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Need advice: S-corp removal of shareholder and officer
Added on : Tuesday April 22nd 2014 05:00:11 AM
g: 0 Posted By: mellle
Views: 61 Replies: 2 We (married) are the majority owners of a Wisc S-corp with one other shareholder. Other shareholder is also officer. Upon creation of the corp (>10 yrs ago), we had an agreement that shareholder would contribute X amount of work/hours. For the last decade, however, there has been zero involvement on the part of this minority shareholder whose only presence is to repeatedly state that he wishes to get more $$ from the corp. We would like to first remove his officer status. I believe this can be done without cause per Wisc statute. Anyone have experience with this?
Secondly, our more important priority is to remove him from the business. Even after his work stopped entirely, we continued to pay him, in good faith, a monthly stipend/wage for >5 years even though he did nothing, never came to the premises and had zero involvement. He is a burden to the corp. We have made fair offers to buy-out his stock, but he rejected the offer saying that he wanted more money.
Would welcome any advice.
Personal Finance Deals
g: 1 Posted By: remick
Views: 107 Replies: 0 http://www.amazon.com/gp/product/B00JOX4TM4

4.9 out of 5 stars (15 customer reviews)

Whether you believe an economic collapse is imminent, the power grid is doomed to fail, you are concerned about a natural disaster or you are preparing because you see how unsustainable this system really is, we need to be prepared for anything. We cant afford to get blindsided by something because we are looking in a totally different direction.
Preparedness should be a mindset, not a fad. Regardless what people believe, it's not all about doomsday, small scale disasters could change our lives as well.
To become a seasoned prepper we need to start from ground zero and work our way up, and we need to do it in a way that doesn't put us in the poor house.
Preparing is also very personalized, there is no one way to build your food storage and no one way to build your bug out bag. All of our situations are different, and we need to plan accordingly.
This is not your typical prepping book; you will not find a list for items you need in the event of a disaster. What you will find is the information you need to build your supplies evenly over time, what to expect from others who are not prepared, form a plan based on our personal situation and do it in a way that helps you become more self-reliant over time.
This book takes disaster preparedness one step further because we are going to give you full access to the Survivalist Prepper Academy free for 60 days. In the academy we have a list of downloadable files, survival courses, prepping courses, spreadsheets and other members only content.
Totally Free Deals
g: 1 Posted By: jaymanthegreat
Views: 212 Replies: 1 Coleman Big Basin Extreme Weather Sleeping Bag $56.20 Save 12%


Product Description:
For extreme sleeping conditions down to zero degrees, this sleeping bag by Coleman has 72 ounces of Coletherm insulation to keep you comfortable. This bag also features a semi-sculpted hood and fleece foot section.
◾The perfect sleeping bag for extreme sleeping conditions down to zero degrees
◾72 ounces of Coletherm insulation
◾Fits most needing big and tall sizes, up to 6 feet 4 inches
◾Diamond ripstop cover to polyester liner
◾Double-batt, offset quilt construction eliminates potential cold spots
◾Semi-sculpted hood surrounds head with warmth and keeps head off the ground
◾Insulated chest baffle keeps heat in the body of the bag
◾Fleece foot section provides extra warmth
◾Full length draft tube locks out chilly drafts
◾Two way zipper for maximum ventilation
◾Stuff sack included

http://www.overstock.com/Sports-Toys/Coleman-Big-Basin-Extreme-W...
Sports & Outdoors Deals

Overstock Coupons
Free - MailWasher Pro for iOS and Android
Added on : Saturday April 19th 2014 09:00:03 AM
g: 0 Posted By: remick
Views: 158 Replies: 0 http://www.windowsdeal.com/w/mailwasher-pro-discount-coupon/

Receiving spam is like those telemarketers who call at dinner time, completely annoying and you didnt ask for it. Luckily you can stop this now! Now with free Android, iPhone and iPad version!

Install MailWasher today to screen all your email accounts in one place and allow only the email you want in your inbox.

MailWasher lets you preview all your email before it gets to your computer or mobile device, enabling you to read all your email securely, and instantly delete any unwanted or suspicious email. Your remaining good email is downloaded to your PC or mobile device, saving you from receiving any spam or email viruses.

When you use MailWasher, the benefits become obvious.

Zero spam in your computer or mobile device.
Inspect any email before it gets to your computer or mobile device.
Never lose an email because you cant afford to.
Intelligent spam tools ensure spam is caught and good email is not
With over 8 million users, 18 languages and features on both BBC World and CNN you can be confident that using MailWasher is one of the easiest ways to get rid of spam.

Check your email with MailWasher first. Youll be safer with the knowledge of whats waiting for you on the server, allowing you to quickly inspect and read your email and remove any unwanted messages quickly and easily.

MailWasher lets you view the email safely in plain text, but you can also inspect who its really from, who owns the company who sent it (WHOIS report) and all the hidden links.

Given that you cant afford to lose any legitimate email, MailWasher lets you have the final say on it before letting you Wash the spam away.

Advanced spam detection technology and tools do all the hard work for you by automatically marking spam emails.

From simple friends list, blacklists and learning filters to advanced custom filters, MailWasher has you covered.
Apps Deals
Double My Coke Rewards (MCR) Points on Powerade 4/22-4/25
Added on : Friday April 18th 2014 11:00:03 AM
g: 0 Posted By: WideOpenSpaces
Views: 112 Replies: 0 Starting 4/22-4/25, you can earn Double Points on all your Powerade and POWERADE ZERO codes.

Need to stock up: Print off $1 coupon to save on Powerade.
Grocery Deals
Free Rockstar Pure Zero Energy at Kum & Go - FB
Added on : Thursday April 17th 2014 04:00:15 AM
g: 0 Posted By: remick
Views: 169 Replies: 0 https://www.facebook.com/kumandgo/app_272887412730429
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 157 Replies: 0 Seemingly endless lands of magic and mystery. People from around the world assuming roles of heroic fantasy. Limitless adventures on which to embark. The World of Warcraft lays within your reach with the power of this 60-Day Subscription card, which provides access to the addicting, immersive excitement you have in store. Become an adventurer of Azeroth within minutes by simply visiting www.worldofwarcraft.com/gamecard and following the easy instructions. Find out what mystical quest awaits.

PRODUCT FEATURES

Continue your epic quest as an adventurer of Azeroth for 60 days with this prepaid game card (full version of World of Warcraft required, not included)
Interact with players from around the world and explore a virtual world full of mystery, magic and endless adventure with the power of a World of Warcraft subscription
Log on to www.worldofwarcraft.com/gamecard to get up and running with your thrilling quest in minutes


www.bestbuy.com/site/world-of-warcraft-game-and-60-day-subscript...
Video Games Deals

Best Buy Coupons
g: 1 Posted By: DizzyT71
Views: 205 Replies: 0 GNC has theCytoSport Muscle Milk Chocolate 4 Shake(s) on sale for $3.97 + free shipping with Shoprunner.

Original price: $11.99
Member Price: $3.18

Lean Muscle Formula

Carb Conscious
No Trans Fatty Acids
Zero Lactose
Tastes Great
20g Protein
Gluten Free


4.3/5 Stars based on 12 customer reviews on product page.

Health Deals

GNC Coupons
g: 0 Posted By: st4rdust
Views: 113 Replies: 0 Gander Mountain has their Zero Gravity XL Loungerfor $44.99 with free in-store pickup.

4.4/5 stars based on 10 customer reviews, found on the product page.

Bungee suspension system
Positions from sitting to fully reclined
Heavy-duty, powder-coated steel frame
Extra-wide, thick foam padded seat and back
350-lb. Capacity

Furniture Deals

Gander Mountain Coupons
g: 0 Posted By: jskins
Views: 296 Replies: 0 Rosewill Digital Kitchen Scale (RKKS-12001) $9.99 w/ Coupon Code EMCPFWW88 with .99 Shipping at Newegg. 4/5 eggs based on 54 customer reviews.

11lbs (5kg) Max Capacity
0.05oz (1g) Gratuation
LCD Digitals
Measures in Grams/ounces or
Graduation in 0.05 oz (1 g)
Automatic Zero Resetting
1-year Limited Warranty

Electronics Deals

Newegg Coupons
g: 0 Posted By: tedhawkins
Views: 91 Replies: 0 Vortex Crossfire II 3-9x40 (V-Brite Reticle) Matte Black + Hunter Ring Set, Lens Pen $189.99 FS

http://www.gearhog.com/?did=67720

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.

Convenience Features:
* Fast Focus Eyepiece - Allows quick and easy reticle focusing.
* Sunshade - Reduces glare and sun reflection off the objective lens.
Guns & Ammo Deals
g: 0 Posted By: SieSilverStars
Views: 1 Replies: 0 T-Mobile is offering their 4G LTE Tablets for the price of their WiFi Models.

Linky

Includes Free 1GB + 200MB 4G LTE Data per month through the end of the year.
Offer is valid for new and existing T-Mobile customers with a voice plan.

Zero money down and interest-free financing

Linky to See All Tablets

Notable Offers:

Asus 32GB Nexus 7 2nd Gen 7" 4G LTE Tablet- $268.80 (($0 Down + $11.20/month for 24-months))
Apple iPad Mini 7.9" 4G LTE Tablet w/ Retina Display- $398.88 (($0 Down + $16.62/month for 24-months))
Apple iPad Air 9.7" 4G LTE Tablet w/ Retina Display- $498.96 (($0 Down + $20.79/month for 24-month))

Still time to do a Backdoor Roth?
Added on : Friday April 11th 2014 07:00:14 AM
g: 1 Posted By: GTPaPi
Views: 87 Replies: 0 I have already contributed Max to my Roth IRA, but doing my taxes, MAGI is too high to contribute max. It is closer to contributing zero than max. I should have paid attention to it more, but had it all setup automatically. Anyhow, my question is can I still do the Backdoor Roth process. Should i file an extension to get this all done, or just pull out the contributions? Any help is appreciated. TIA.
Investing Deals
g: 0 Posted By: robronson
Views: 100 Replies: 0 I am self employed as a consultant. I fly to various states throughout the year, some of which, like California, have high state income tax. I'm toying with the idea of creating a series of entities for my consulting to maximize profit by minimizing state income tax burden. I don't have a solid plan, just some ideas to hash out and hear thoughts on.

The general idea would be to use a different entity for clients in different states. For example, suppose I make $20k from California and $180k combined from various other states. I could do consulting in California as a Sole Prop and do the business in other states through an S-Corp. That would let me specify that my $17.5k Individual 401k Employee contribution could come from the California income, reducing the state tax burden.

The alternative would be doing all consulting under a single entity (whether it be sole prop or S-corp or whatever), and the $17.5k 401k contribution gets equally deducted (allocated) from all income. It doesn't make sense to deduct the contribution from income derived from states with zero or low state income tax if I can specify that it came from California income. The only way I can think to do that would be separate entities.

I'm also looking at the possibility of S-Corp with me being a W2 for some of my income because California, and perhaps other states, appear to count W2 income earned differently. For example, as a non-resident of California, if I earn $20k in Cali and $180k externally, if I can segregate the $20k of Cali income, perhaps through a sole prop from the $180k which perhaps goes through an S-Corp that pays me as a W2, then I can more easily show my W2 income was derived entirely from non-California sources and if I can count my 401k contribution to the sole prop income, I can really get my Cali income low. I'm using Cali as an example of my idea and hoping it could be used in other ways.

Another idea is to S-Corp and make me a W2 for partial parts of the year (I have flexibility in my consulting gigs so I can structure each one however I want). Being a W2 might afford me some possible tax benefits such as contributing $3250 to my HSA, from the S-Corp itself, to avoid SE Taxes, as opposed to contributing to my HSA as a sole prop where there's no SE tax deduction. I wouldn't necessarily want to be a W2 through my own S-Corp for the whole year due to overhead costs of payroll, but I could potentially do it for one month, contribute the full annual HSA amount, and then be sole prop for the other 11 months.

I've also heard if I'm an S-Corp I can pay for non-reimbursable medical expenses on a pre-(SE)-tax basis. With high deductible insurance, little is covered, so maybe I could drive my annual $1k or $2k of out-of-pocket expenses to come from my S-corp and save more taxes. Not sure how this works exactly, I only read someone allude to it in another thread.

Finally, as an S-Corp, I should be able to save on SE-Taxes because right now I earn $200k as a sole prop but there's consulting firms who do the same work as me who offered me $120k as a W2 (plus benefits). I think I could take that offer letter for $120k and make a justification to the IRS that if my S-Corp earns $200k, I only have to pass $120k down to myself, pay SE Taxes on $120k, and pass through the other $80k as dividends. However, since the "FICA cap" is around $120k, maybe that won't really do anything to save taxes.

My biggest concern with this is the possible need to register as a foreign corporation in each state I do business as an S-Corp. As a sole prop, I'm free to go wherever and do consulting work. As an S-Corp, I probably have to drop up to a few hundred dollars to register my S-Corp as a foreign entity in each state I work.

Not sure if there's any benefit to having one or more of the S-Corps used this way to be taxed as a C-corp, perhaps to keep AGI down for things like Student Loan income-based repayment or to push AGI down below a threshold for a phase out. Obviously you will be double taxed on the money, but you can defer that second tax until much later, keeping your AGI down right now, which might be useful.

There may be a possibility to bypass the equal quarterly tax withholding payment rule by becoming an S-Corp as a W2 for the last few months of the year. You could maybe pay $0 in quarterly estimated payments and then as a W2 in November/December, you could withhold your entire W2 paycheck to taxes. Since W2 income tax doesn't need to be withheld equally throughout the year. Not sure if this would work or if the penalty would still apply but I have heard of married couples where the husband is self-employed, pays nothing in quarterly tax payments and the wife modifies her W4 to withhold her entire paycheck to taxes the last 2 or 3 months of the year. That might work as a single person if you can make yourself a W2 the last few months of the year.
Personal Finance Deals
Logitech G100s Optical Gaming Mouse - $19.52 @ Amazon
Added on : Friday April 11th 2014 01:00:02 AM
g: 0 Posted By: Xenocrates
Views: 218 Replies: 0 Logitech G100s Optical Gaming Mouse- $19.52 @ Amazon

Exclusive 2500 DPI Delta Zero Optical Sensor ( 250dpi - 2500dpi )
Ultra-durable: Rugged buttons and low-friction feet, rated to last an amazing 20 million clicks and 250 km
5.3 x 2.2 x 7.6 inches ; 8.8 ounces

Next best priceis $31.98 at B&H

Update: This was $20 exactly only a couple hours ago. Amazon is moving the price around.


Keyboard & Mouse Deals

Amazon Coupons
g: 0 Posted By: MISTERCHEAP
Views: 92 Replies: 0 Red Plum 4/13/14

$1/1 Disney or Marvel gummy vitamin (5/28)
$2/2 Gain or Era detergents 25 oz+ or Gain fabric enhancers ETS (5/31)
$1/1 Gain or Era detergents 25 oz+ or Gain fabric enhancers ETS (5/31)
$1/1 Gillette male disposable ETS (5/31)
$3/2 Gillette male disposables ETS (5/31)
$1/1 Gillette Venus or daisy disposables ETS (5/31)
$3/2 Gillette Venus or Daisy disposables ETS (5/31)
$1/2 Hanovers gold line frozen vegetables (5/15)
$1/2 Hanovers silver line frozen vegetables (5/15)
$.50/1 Hanovers bean essentials (5/15)
$1/2 Hanovers canned green beans 38 oz + (5/15)
$1/1 Hefty tall kitchen trash bags (6/30)
$1/1 Hefty large black trash bags (6/30)
$1/1 Hellmanns product 16.5 oz + (5/11)
$1/1 Hellmanns mayonnaise dressing with olive oil (5/11)
$1/2 Keebler crackers 8oz + (6/8)
$.75/1 Land o Frost Simply delicious lunchmeat (6/13)
$2/1 Natures bounty (6/14)
$2/1 Natures Bounty hair, skin, and nails (6/14)
$1/1 Purina Friskies cat treats 6 oz+ (6/30)
$1/1 Quaker real medleys cereal or bars (5/31)
$.75/2 Quaker Real medleys oatmeal (5/31)
$3/1 Sinus Buster sinus & allergy nasal spray (5/31)
$2/1 Suave Professionals visible glow sunless tanner or body lotion (5/11)
$2/1 Sundown naturals product (6/14)
$.50/1 Superpretzel soft pretzel (5/25)
$.50/1 Superpretzel pretzel dogs (5/25)
$1/1 Tide PODS, gain flings, Downy Unstoppables, gain fireworks, or Bounce bursts ETS (5/31)
$1/2 Welchs sparkling juice cocktail (6/16)

Smart Source 4/13/14

Aveeno product no cleansing bars, trial or 2.5oz body lotion $1.00/1 (5/10/14/)
Aveeno products no cleansing bars, trial sizes or 2.5oz body lotion $2.00/2 (5/10/14)
Benadryl topical product no trial $2.00/1 (5/10/14)
Birdseye voila! variety $1.00/1 DND (7/31/14)
Carapelli olive oil 17oz or larger $1.00/1 (7/13/14)
Cooked perfect bites $1.00/1 bag (7/6/14)
Cooked perfect meatballs $1.00/1 bag (7/6/14)
Digiorno pizza larger $2.00/2 (5/31/14)
GUM Squeeze-a-color toothpaste or power toothbrush $1.00/1 (5/31/14)
GUM Oral care product .55/1 (5/31/14)
Johnsons baby product (no 1 oz to 4 oz) OR any Desitin product (no 1 oz ) .50/1 (6/7/14)
Lipton Iced tea jugs or 12 packs $1.00/2 (5/31/14)
Listerine antiseptic Mouthwash, listerine ultraclean antiseptic, listerine zero, listerine total care or listerine fluoride defense anticavity mouthwash product 1L or larger $1.00/1 (6/30/14)
Listerine Naturals antiseptic 1L $1.00/1 (6/30/14)
Listerine smart rinse anticavity mouthwash 500 ml $1.00/1 (6/30/14)
Lubriderm product 6oz or larger $1.50/1 (5/10/14)
Childrens Motrin or infants motrin product no trial $1.00/1 (5/10/14)
Neosporin, band-aid brand adhesive bandages or Johnson & Johnson red cross brand products no trial or travel, 10 ct on the go first aid kits, Must buy 2 different brand products $2.00/3 (5/10/14)
Neutrogena cleanser no naturals , trial and bar soap $1.00/1 (5/10/14)
Neutrogena sun product no trial $1.00/1 (5/10/14)
Ortega product .50/1 (6/30/14)
People Style Watch May issue $1.00/1 (5/9/14)
People Style Watch June issue .75/1 (6/13/14)
Pepcid product 25 ct or larger $2.00/1 (5/10/14)
Philips sonicare brush head multi-pack no powerup brush heads $4.00/1 (5/31/14)
Philips Sonicare Powerup battery toothbrush or powerup brush head 3-pack $5.00/1 (5/31/14)
Philips sonicare rechargeable toothbrush no powerup $10.00/1 (5/31/14)
Philips sonicare diamond care flexcare platinum or flax care $15.00/1 (5/31/14)
Revlon luxurious colorsilk buttercream $2.00/1 (5/18/14)
Revlon colorsilk, luminista or frost & glow $1.00/2 (5/18/14)
Rogaine hair regrowth treatment product 3 ct or larger $10.00/1 (5/10/14)
Scotch-Brite lint roller no trial $1.00/1 (5/31/14)
Simply Sleep product $2.00/1 (5/10/14)
Starbucks coffee 10 oz or larger $2.00/2 bags (6/14/14)
Starbucks K-Cup packs 10ct or 16 ct $1.50/1 box (6/14/14)
Starbucks VIA pready brew 5ct or greater $1.00/1 (6/14/14)
Adult Sudafed PE, childrens sudafed PE, Benadryl, childrens benadryl, Tylenol sinus, visine or Neosporin eczema essentials products no trial $3.00/2 (5/10/14)
Adult Sudafed PE, childrens sudafed PE, Benadryl, childrens benadryl, Tylenol sinus, visine or Neosporin eczema essentials products no trial $1.00/1(5/10/14)
Tropicana farmstand 46oz bottle $1.00/1 (5/31/14)
Extra Strength Tylenol or regular strength Tylenol product 24 ct or larger $1.00/1 (5/10/14)
Childrens Tylenol or infants tylenol product no trial $1.00/1 (5/10/14)
Zyrtec product 40 ct or larger $5.00/1 (5/2/14)
Zyrtec product 12 ct or larger $4.00/1 (5/2/14)
Childrens Zyrtec dissolve tabs no trial $4.00/1 (5/2/14)


Smart Source 4/13/14

Ajax .25/1 dish liquid 14oz+ or auto dish pacs (5/3)
Arm & Hammer $2.00/2 laundry detergents (5/17)
Birds Eye recipe ready variety $1.00/1 (6/30/14)
Birds Eye steamfresh chefs favorites variety .50/1 (6/30/14)
Colgate .50/1 adult or kids manual toothbrush excluding extra clean, classic clean or triple action (5/3)
Colgate .50/1 toothpaste 3.4oz+ (4/26)
Colgate $2.00/1 360 twin pack or multi pack only manual toothbrushes (4/26)
Colgate $2.00/1 mouthwash 32oz+ (5/10)
Colgate $2.00/1 total, optic white, max fresh or sensitive twin pack (4/26)
Enfamil or Enfagrow products $3.00/2 (5/31/14)
Huggies $1.00/1 little swimmers disposable swimpants (5/10)
Jergens $1.00/1 natural glow face daily moisturizer sunscreen ets (5/10)
Jergens $1.00/1 natural glow moisturizer excludes sunscreen and trial (5/10)
Lysol Touch of Foam hand soaps $1.00/2 (5/14/14)
Lysol Automatic hand soap dispenser $5.00/1 (5/14/14)
Murphy oil soap wipes or liquid 32oz or larger .50/1 (5/3/14)
Nudges .55/1 bag (6/7)
Pantene $1.50/2 product ets (5/31)
Pantene $3.00/3 products ets (5/31)
Schick Xtreme3, ST 2 or ST 3, SlimTwin or Schick Quattro Disposable razor pack no 2 ct, 10+ 2 ct, Schick hydro5 and schick hydro silk disposable $2.00/1 (5/11/14)
Scott Naturals .50/1 flushable cleansing cloths tub or refill (5/25)
Scott Naturals .75/4+ bath tissue rolls (5/25)
Scott Naturals .75/6+ paper towel rolls (5/25)
Secret Outlast, scent espressions, or destinations deodorant no .5 oz and trial/travel $1.50/1 (5/31/14)
Secret Clinical deodorant no .5 oz , trial/travel $3.00/1 (5/31/14)
Simple $2.00/1 cleanser excludes gift packs, trial and wipes (5/11)
Skim Plus one half gallon or two quarts $1.00/1 (7/15/14)
Skim Plus creamer $1.00/1 (7/15/14)
Ultimate Flora probiotic $3.00/1 (6/30/14)
Vidal Sassoon $2.00/1 shampoo or conditioner product excludes 12oz and trial (5/31)
Vidal Sassoon $2.00/1 styling product ets (5/31)
Vidal Sassoon $5.00/1 hair color excludes shampoo, conditioner, styling and trial (4/27)
Viviscal $1.00/1 gentle shampoo or moisturizing conditioner (6/13)
Viviscal $2.50/1 hair filler fibers (6/13)
Viviscal $3.00/1 hair and scalp serum (6/13)
Viviscal $5.00/1 extra strength or man (6/13)=14px
Grocery Deals
Pro-Rata and Zero Coupon Muni Bonds
Added on : Tuesday April 08th 2014 04:00:05 PM
g: 0 Posted By: BrunoB
Views: 124 Replies: 0 I am referring to Municipal Bonds only here. What are Pro-Rata bonds exactly as I see in their description. Are they another way to describe Zero-Coupon bonds? Example: 802576BM9
Deposits Deals
Need advice on mini-splits for an investment property
Added on : Tuesday April 08th 2014 03:00:05 AM
g: 0 Posted By: bzinsky2012
Views: 92 Replies: 2 So this may be the wrong forum to ask this in, but it is for an investment, so I figured I'd give it a shot. I'm renovating an apartment building and I was looking to outfit the apartments with mini-split heat pumps. The property is in NJ, and if there is one downside to air-air heat pumps is extracting heat in cold temperatures. The average temp in January here is 32.5 degrees, but it gets down to the single digits a few times a year, and a rare occassion a few degrees below zero. I am having the most difficult time finding any real world data on these heat pumps. The stats posted on the manufacturer sites are all over the place and I don't think they are accurate. One of the few heat pumps that does seem to have accurate data is the Mitsubishi Hyper Heat products, but they are about the most expensive mini-splits you can buy. Seeing as this is an investment, and I need to do 20 apartments, I was hoping for a more cost effective solution. Nobody understands tech stats and money better than a forum full of cheapskates like myself, so I figured this might be a good place to ask. Does anybody have any evidence on what systems will work? It's not like I can buy one and return it if it doesn't work out. I also have to wait until next winter to find out if it will work. The last thing I want is the building to have no heat on a cold day. I had an engineer do a heat loss calculation, and they range from 3.5k-7k btus at 0 degrees F.

Help me fatwallet, I've been looking for days!

Thanks in advance
Question Deals
Moving to Europe for 4 years, what to do with house
Added on : Monday April 07th 2014 08:00:07 AM
g: 0 Posted By: lostjake
Views: 115 Replies: 7 My family and I will be moving to Europe for 4 years (temporary work assignment). We currently own (no mortgage) a $265k house in northern Wisconsin. Taxes are around $4100 a year and insurance is another $1000. I would like to move back to the area after the assignment, and I believe the house is worth quite a bit more than what I paid for it, and I like it in general. I don't think I can demand $1000 a month in rent in this area, as most places go for around $500 a month. My brother in law was/is thinking about selling his house and would move in and pay to cover the taxes/insurance (around $500 a mo), and "fix everything that breaks", besides the fridge because its a sub-zero. I think he would take better care of the home than some stranger. I don't like just heating the house when I'm gone because over 4 years it would probably be around a 30k carrying cost. Any other ideas out there on how I could make this assignment as least painful as possible house wise? BTW we're moving to the Netherlands.

Thanks!
Personal Finance Deals
g: 0 Posted By: remick
Views: 149 Replies: 0 http://www.amazon.com/ALGEBRA-WORDS-Strategies-Simple-Explanatio...

If you are seeking clarity and success in algebra, this is the book you are looking for. Think of this as an extra voice in your ear, translating the math into words, explaining what things mean, giving you clues to look for, and telling you how to solve problems.

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-What Does "Undefined" Mean?
-Parallel & Perpendicular Lines on a Graph
-What Does "Solving in Terms of" Mean?
-The Wrong Way to Simplify a Rational Expression
-The Part Everyone Forgets (The Last Step of the Quadratic Equation)
-Special Words for Special Cases
-Prime vs. No Solution
-The All-LCD Method
-Cross-Multiplying vs. Cross Cancelling
-List of Common Radical Fingerprints
-Manipulating & Simplifying Radicals
-The Two Meanings of "Cancelling Out"
-What Does "Error" on a Calculator Mean?
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And:
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-connects key topics that cross through different chapters

With its easy click-able index and hyperlinks, this is the perfect resource to keep on any smart device to help you with homework or prepare for an exam. It will help any high school or college student solidify the important fundamentals used in Basic Math, Introductory Algebra, Elementary Algebra, Intermediate Algebra, College Algebra, Pre-Calculus and Calculus.
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4-pc. Wall Collage Frame Set $14.99 at Kohls
Added on : Monday March 31st 2014 09:00:07 PM
g: 0 Posted By: zerodeal
Views: 165 Replies: 0 http://www.kohls.com/product/prd-1515876/4-pc-wall-collage-frame...
Use extra 15% or 20% coupon to make it a sweet deal.his collage frame set is the perfect way to display your favorite photos and add charm to any wall in your home.Product Features:

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8"x10" Collage Print - Free AC w/ Free Store Pickup @ Walgreens
Added on : Saturday March 29th 2014 10:00:03 PM
g: 0 Posted By: Xenocrates
Views: 262 Replies: 0 Walgreens is offering one free 8" x 10" ($4.49 value) print with coupon: CLLGZERO. Pick in store pickup to save the $4.49 shipping.

LINK
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g: 0 Posted By: st4rdust
Views: 90 Replies: 0 Amazon has Caravan Canopy Zero Gravity Reclining Chair w/ Adjustable Headrestfor $38.56. Free Super Saver Shipping or Prime eligible. 4.4/5 stars based on 579 customer reviews.


Available in beige/black or blue/black.

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g: 0 Posted By: st4rdust
Views: 105 Replies: 0 Amazon has various memory foam mattresses on sale with free shipping. 4.6/5 stars based on 114 customer reviews. LINK

10 inches thick. 4 pound density visco elastic memory foam. Made in the USA.

Twin Size - $159.99
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Pay off zero percent interest loan, or invest? What would you do
Added on : Thursday March 27th 2014 09:00:10 AM
g: 0 Posted By: unkinected
Views: 248 Replies: 10 This is similar to this thread but not specifically regarding credit score.

I have a zero percent interest loan, that through automatic payments is scheduled to be paid off in 6-7 months. But I have cash to pay this off now. The question is should I pay off the loan now, which frees up the monthly income to spend/invest elsewhere, or just wait for it to be paid off in 7 months, and take that extra cash and invest it somewhere?

Investmentmath tells me that I would come out ahead (slightly) by investing the money now rather than later. Inflationary math also says wait to pay it off. Not sure if there's any kind of math that says pay it off now.

Curious how the gang here would approach this.

Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 74 Replies: 0 www.woot.com/offers/bates-zero-mass-tactical-8-inch-boots
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Garfield Visa Rewards Card by Commerce Bank
Added on : Tuesday March 25th 2014 06:00:03 PM
g: 0 Posted By: interestedinfw
Views: 211 Replies: 1 Just saw this, who doesn't like Garfield?

Looks like you get points on the interest you carry to the next month.

http://www.commercebank.com/personal/cards/credit/garfield-visa/... points towards hundreds of reward options including Merchandise, Gift Cards, Cash Back, Travel and more every time you make a purchase!
Highlights
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Deal Deals
Northwestern Mutual (help)
Added on : Tuesday March 25th 2014 10:00:14 AM
g: 0 Posted By: corporateclaw
Views: 100 Replies: 2 I will try and get as much "family nonsense" out of this post (though I do want to vomit a bunch of family nonsense on you guys here) -- basically my dad moved all/most of his retirement assets to northwestern mutual about a year ago. I'm not sure what he's in now, but it's mutual funds and investment-type things that I'm certain are not annuities. This was done because various safer investments at Vanguard were not generating "enough return" and through some sales pitch that his principal investment was "guaranteed" or protected in some way. My question is generally about that second part, I know of no way to have your principal guaranteed in this sort of investment (I know a high rate CD or annuity or something would have that protection, but I don't know how a mutual fund would have that protection). I know that NM could have that as some benefit, but I have been digging around on their site and don't see it.

So (1) does this exist and (2) I know that I"m being a little vague, but that's because I just found out about the move, so is there anything short of asking to see the current statements to figure out what/where he is that I can do?

The slightly longer story (with SOME family BS) is essentially that my parents literally no retirement savings about 7-8 years ago and myself and my wife helped them figure out how to put money together. Due to an inheritance and my mother passing away, the funds they had about 1 year ago are such that I would describe them in this way: My dad has enough money to live on until his death barring some major catastrophic event. Based on this, we put his investments in to safe, but not very aggressive Vanguard funds, because unless we dumped it all into some penny stock and he quadrupled his money overnight a couple times, there was no way that this could be increased to make up for some major catastrophic event (essentially any kind of growth that wasn't insanely risky seemed like it got him to the same place - enough money to live on unless there is a disaster, and any disaster would wipe it out barring an insanely risky investment, which would be more likely to wipe him out anyway). So about 1 year ago, I moved away from the city where my dad lives and less than a month after moving, brother in law (who used to work at NM) helped my dad move all of this into NM. I only found out because working on tax stuff my wife logged into his vanguard account and called me scared that he had been hacked since his account values were zero.

Generally, I'm washing my hands of it, but for my own personal benefit I'd like to have some idea of whether my dad just got completely run over or if this is an actual benefit at NM. (he's pretty giddy about the good return he got over the last year, since obviously middle of 2012 to now was a good time to be in more aggressive funds).
Investing Deals
g: 10 Posted By: remick
Views: 1325 Replies: 3 http://www.amazon.com/dp/B008CQGBXE

4.9 out of 5 stars (21 customer reviews)

Your credit history and the scores that go along with it serve as your passport to full participation in the U.S. economy. Your ability to take full advantage of numerous financial benefits will be limited, to whatever extent this passport is not in good standing.

Actually several books in one, The Newest Story of O is a concisely written and highly readable source of high-quality, how-to material, creatively connecting personal credit with debt minimization. It boldly goes where no such book has gone before, offering cutting-edge inside information, while exposing many commonly perpetuated and potentially harmful myths.

With this information at your fingertips, you will be able to convert your high-interest debt to low interest and even zero interest, paying it off in a fraction of the time. If your goal is to become debt-free or simply to improve your financial position, you wont want to miss out on what this book can teach you.

The ten-chapter framework is organized as follows: (1) How the Credit System Works, (2) How to Obtain and Understand Your Reports and Scores, (3) How to Repair Bad Credit, (4) How to Build Good Credit, (5) How to Play and Win the Credit Card Game, (6) Zero-Interest Balance Transfer Offers, (7) Low-Interest Loans and Peer-to-Peer Lending, (8) Fight and Win Against the Banks and Bureaus, (9) Tips for Making Money and Tips for Saving, (10) Ten Special Topic Area "Cheat Sheets": Bankruptcy, Credit and Marriage, Credit and Divorce, Credit Counseling, Debt Collection, Debt Consolidation, Debt Settlement Companies, Foreclosure, Home Loans and Identity Theft.

Highly accessible in its presentation of a rich font of valuable, practical knowledge, if you only buy one book on personal credit or debt reduction, this is clearly the one to get.
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g: 0 Posted By: zimphella
Views: 65 Replies: 0 27" Monoprice IPS Zero-G 2560x1440 Slim LED Monitor 
Compare at $330.00
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g: 0 Posted By: remick
Views: 65 Replies: 0 http://www.amazon.com/dp/B008CQGBXE

4.9 out of 5 stars (21 customer reviews)

Your credit history and the scores that go along with it serve as your passport to full participation in the U.S. economy. Your ability to take full advantage of numerous financial benefits will be limited, to whatever extent this passport is not in good standing.

Actually several books in one, The Newest Story of O is a concisely written and highly readable source of high-quality, how-to material, creatively connecting personal credit with debt minimization. It boldly goes where no such book has gone before, offering cutting-edge inside information, while exposing many commonly perpetuated and potentially harmful myths.

With this information at your fingertips, you will be able to convert your high-interest debt to low interest and even zero interest, paying it off in a fraction of the time. If your goal is to become debt-free or simply to improve your financial position, you wont want to miss out on what this book can teach you.

The ten-chapter framework is organized as follows: (1) How the Credit System Works, (2) How to Obtain and Understand Your Reports and Scores, (3) How to Repair Bad Credit, (4) How to Build Good Credit, (5) How to Play and Win the Credit Card Game, (6) Zero-Interest Balance Transfer Offers, (7) Low-Interest Loans and Peer-to-Peer Lending, (8) Fight and Win Against the Banks and Bureaus, (9) Tips for Making Money and Tips for Saving, (10) Ten Special Topic Area "Cheat Sheets": Bankruptcy, Credit and Marriage, Credit and Divorce, Credit Counseling, Debt Collection, Debt Consolidation, Debt Settlement Companies, Foreclosure, Home Loans and Identity Theft.

Highly accessible in its presentation of a rich font of valuable, practical knowledge, if you only buy one book on personal credit or debt reduction, this is clearly the one to get.
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How to manage this ?
Added on : Sunday March 16th 2014 06:00:09 AM
g: 0 Posted By: fwvisitor
Views: 139 Replies: 0 Thanks to some genetics that we did not plan, my toddler daughter has features that are highly valued in her mom's culture. When we visited the home country, we were approached for an local opportunity that could end up paying her a decent sum of money - about 10K or so. Normally I would say no to this since I hate privacy lost when your face is visible in the town and you have to go to school & deal with it. But considering we do not live there, it has minimal if not zero impact on her day to day stuff. Being a FW reader I want to hear the perspective here and what is the best way to deal with this. We would prefer that the money goes to her somehow and are willing to pay taxes as HHI


Personal Finance Deals
Legal trouble with Chase bank
Added on : Friday March 14th 2014 10:00:08 AM
g: 1 Posted By: acesfullof8s
Views: 172 Replies: 6 Hopefully you guys can help me with this, or point me in the right direction.

I have been a customer with Chase for 7 years, and they hold the second mortgage on my house. In January I deposited a check from a Canadian company. I went in a week later to withdraw some of the funds and was told I needed to speak to a manager. The manager told me they needed to speak to the maker of the check to verify it, which seemed odd to me. They said no one would answer the phone and it was up to me to get them contact information; which I did not have.

A few days later I received a letter from them saying they were closing my account due to 'unusual activity' and that I would receive a check for any remaining funds within 10 days.

On February 11th, I noted my account was zeroed out and there was a line item for a check disbursement of the full amount. I assumed I would be receiving a check any day now. But I did not.

Today I called them and they said that they would release the funds when they could speak to someone at the company, in fact, at first they said I needed to bring in a representative of the company in with two forms of ID to a local branch. Which seemed absolutely ludicrous to me. I told them that I had no contact information, and would not be able to provide it, that it had been two months and either that check had cleared or bounced in the interim. If it had cleared, give me the money, if it had bounced, then return the check to me. They told me that they would do neither and would hold on to both until I provided this information.

This can't be legal can it? What are my options?
Question Deals
Executive Savings Plan for fun and profit
Added on : Wednesday March 12th 2014 03:00:11 PM
g: 0 Posted By: CptSavAHo
Views: 47 Replies: 2 My company offers an Executive Savings Plan and you can defer up to 100% of salary including bonus but you have to elect your participation as a % of salary at the start of the year. This year I elected 5%. As I understand it the money put into ESP is before tax and does not count as income when taxes are filed, and only reported as income when withdrawn or required to be reported as an asset on most federal forms. This had me thinking that there could be several lucrative times and ways to defer significant portions of my income.

1. Spend a year living very frugal, saving $40k or so of post tax earnings. The following year defer 100% of salary and bonus into the ESP and pay bills out of the $40k savings. Report zero taxable earnings for that deferred year and claim the various benefits such as EIC, etc. The ESP can be drawn on in case of emergency and without penalty.

2. Save over a larger time frame, say 10 years but at smaller increments. The two years prior to my son going to college defer a large % of salary and file extremely low income on FASFA forms. Continue to defer income until son graduates.

I'm sure there are more ways to utilize it.
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g: 0 Posted By: ctgolfer
Views: 99 Replies: 0 www.woot.com/offers/goal-zero-rock-out-solar-kit-with-guide-10-p...
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One weird trick to prevent cash advance fees. CitiBank hates it!
Added on : Saturday March 08th 2014 06:00:11 PM
g: 3 Posted By: tedteddy
Views: 559 Replies: 3 This should be shouted from FWF rooftops: "Call Citi and have the cash advance limit on all your cards cut to zero."

I have seen a lot of people here get dinged when buying cash equivalents. This simple trick can prevent huge problems down the line. They will simply decline the card if it will be coded as a cash advance.

Credit Deals
Citi trick to prevent cash advance fees
Added on : Saturday March 08th 2014 12:00:10 PM
g: 0 Posted By: tedteddy
Views: 55 Replies: 0 This should be shouted from FWF rooftops: "Call Citi and have the cash advance limit on all your cards cut to zero."

I have seen a lot of people here get dinged when buying cash equivalents. This simple trick can prevent huge problems down the line. They will simply decline the card if it will be coded as a cash advance.

Credit Deals
g: 0 Posted By: Xenocrates
Views: 219 Replies: 0 LINK

These little Tascam 4 channel interfaces are awesome. I've been watching computer interfaces for years now and have owned 3 different Tascam interfaces.

This is by far the cheapest your going to get into recording with XLR inputs and still have knobs to control important functions like monitor mix, line out, headphones vol., and both input pre-amp levels. These things were almost $200 when they came out a few years back.

Specs:

Provides four audio inputs and four audio outputs (two analog, two digital) for a Windows or Macintosh computer
Two XLR mic inputs
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Stereo digital audio input and output (input: SPDIF, output: selectable SPDIF or AES/EBU)
MIDI input, MIDI output
Up to 96-kHz/24-bit for high quality recordings
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Separate controls for output level and headphones volume
USB 2.0 equipped (also supports USB 1.1)
USB-powered, no AC adapter required
Solid aluminum side panels
Cubase LE4 included

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$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
Personal Finance Deals
Cars 2 Finn McMissile Zero Gravity Vehicle $10.00 at Amazon
Added on : Wednesday March 05th 2014 11:00:03 PM
g: 0 Posted By: ArtieLange
Views: 160 Replies: 0 Cars 2 Finn McMissile Zero Gravity Vehicle $10.00 at Amazon Sold by DEALATHONand Fulfilled by Amazon.Gift-wrap available.

http://www.amazon.com/Cars-Finn-McMissile-Gravity-Vehicle/dp/B00...

Easy to control
Drive on the ground, climb walls, and amaze your friends, with Transitioning Finn
Includes: 1 McMissile, 1 Instruction sheet, 1 Controller/Charger

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g: -1 Posted By: hellokitty27
Views: 179 Replies: 3 Sears has a 4 pack of Titan 7 LED 15W Incandescent-Equivalent Lightbulbsfor $14.99 w/ free shipping.

Fits standard light sockets
15W incandescent equivalent
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Free Rachael Ray Nutrish zero grain Dog Food Sample - working again
Added on : Tuesday March 04th 2014 06:00:18 AM
g: 0 Posted By: attaallah
Views: 24 Replies: 0 Free Rachael Ray Nutrish zero grain Dog Food Sample - working again

http://nutrish.rachaelray.com/switchto/nutrish

Paying for Caribbean honeymoon and need a steal!
Added on : Friday February 28th 2014 06:00:17 AM
g: 0 Posted By: mazeroth
Views: 25 Replies: 0 My son is getting married this summer and my wife and I have decided to pay for the honeymoon. They need to take the trip from July 14-20, due to work schedules, and are set on the Caribbean. Im a complete tightwad and cant purchase things unless I know Im getting a killer deal but unfortunately, planning trips is something I dont do. Id like to keep the total under $4000 for the week, including airfare. Im not sure if an all-inclusive deal would be beneficial as they dont drink or eat much and that might be money wasted. I do want it to be a very nice, memorable trip.

If you guys know of any sites with great deals or a starting point on my journey to saving money Id greatly appreciate it!
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g: 0 Posted By: ArtieLange
Views: 115 Replies: 0 Malwarebytes Anti-Malware Pro Lifetime - 1 PC $14.99 shipped w/ code EMCPHHB46

http://www.newegg.com/Product/Product.aspx?Item=N82E16832562003&...


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Robinhood - Zero Commission Trading
Added on : Wednesday February 26th 2014 06:00:08 PM
g: 0 Posted By: aznshadoboy77
Views: 37 Replies: 0 https://robinhood.com/

Sign up to get early access (it also looks like if you refer people, you get pushed up in line).

Has anybody heard anything about this?
Investing Deals
9 Free Business Kindle ebook downloads
Added on : Wednesday February 26th 2014 06:00:11 AM
g: 0 Posted By: attaallah
Views: 175 Replies: 0

Leadership: Inspiring Others The Way The Legends Do by Jonathan Bello
How to be a Totally Awesome Employee by Melody Litton
Leadership : Influence And Lead Like A Superhero by Mike C. Adams
Growing The Money Tree by John Svazic
How To Write A Novel by Brian Richards
How to Automate Everything You Do on the Web (2.0)
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Cheating on Your Corporate Job
The Procrastination Handbook

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Valve Complete Pack $40 AC @Green Man Gaming
Added on : Tuesday February 25th 2014 10:00:03 AM
g: 0 Posted By: TruSolja
Views: 101 Replies: 0 Link: http://www.greenmangaming.com/s/us/en/pc/games/action/valve-comp...

Complete Valve Game Pack currently listed at 49.99. Using promo code OQE4LG-WEQPSE-SMCME1 will get pack for $40.

Must have Steam account to download games.This pack contains:

Counter-Strike
Team Fortress Classic
Day of Defeat
Deathmatch Classic
Half-Life: Opposing Force
Ricochet
Half-Life
Counter-Strike: Condition Zero
Half-Life: Blue Shift
Half-Life 2
Counter-Strike: Source
Half-Life: Source
Day of Defeat: Source
Half-Life 2: Deathmatch
Half-Life 2: Lost Coast
Half-Life 2: Episode One
Half-Life Deathmatch: Source
Left 4 Dead
Half-Life 2: Episode Two
Team Fortress 2
Portal
Left 4 Dead 2
Portal 2
Counter-Strike: Global Offensive

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g: 0 Posted By: ctgolfer
Views: 263 Replies: 0 www.meijer.com/s/absolute-zero-velvet-blackout-home-theater-curt...
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Tax question - Incorrect 1098-T due to rescinded GI Bill
Added on : Sunday February 23rd 2014 04:00:05 AM
g: 0 Posted By: medion
Views: 0 Replies: 0 For those taking the time to read this, thank you, and here's the situation. I went to school full-time from January 2013 - May 2013. Tuition was $3,250. The GI Bill paid it in full, plus paid me the housing stipend. As I finished the semester,I became aware of another VA program that could not run concurrently with the GI Bill that I was using, ran the numbers, and switched. The VA backdated this new benefit, calculated my retro payment, then debted me what they had paid in tuition, fees, books, and the housing stipend. Overall, I came out pretty far ahead (first two retro payments combined were over $10k AFTER accounting for the debt, which was taken out automatically).

Flash forward to today, and I get a 1098-T from the school saying that my entire tuition was paid for via scholarship. That's because it was, at the time. The VA has since had me repay that, but doesn't report it to the school. Even with my VA debt letter showing that I had to repay (and have repaid) the cost of tuition, the school will not send a corrected 1098-T. My understanding is the following;-I can input block1 of my 1098-T ($3,250 tuition paid) and put in a zero for block 5 (which shows $3,250 in scholarships received)

-The above will decrease the amount that I owe in taxes by roughly $2k, however,
-The above is very likely to trigger an audit, but the VA letter that I have should serve as proof and therefore get me off the hook.The above are based on some limited research and sem-educated assumptions. For those of you tax gurus out there, please tell me if I'm doing this correctly or if there is an alternative approach that I should be taking on this

.And to clarify - VA won't send a corrected letter to the school. VA won't recoup from the school, give me the money, and let me pay the school back. The school won't correct the 1098-T under any scenario except under that last approach I mentioned that the VA won't do. So, I've tried these approaches already. VA flat out told me to use their debt letter if audited.
Questions about Roth 401(k) tax calculation and W-4 withholding
Added on : Thursday February 20th 2014 11:00:14 AM
g: 0 Posted By: SASMel
Views: 17 Replies: 0 My company just started offering a Roth 401(k) option and I'm trying to figure out how to maximize it.

My marginal tax bracket is 15%, but my effective tax rate is 0-2%. Does this mean that my my Roth 401(k) contributions will immediately be taxed at 15%? Would I then get a refund on the overtax when I file 2014 taxes? If not, then the Roth 401(k) is only valuable if my currentmarginaltax bracket is expected to be lower than my retirement effectivetax rate, right?

Is there a way to lower the tax on my Roth 401(k) contributions to my effective tax rate? Could I do this by maxing out deductions on my W-4 so that I have close to zero withholding for federal? Or does the Roth 401(k) tax calculation not consider withholding?

Any advice or correction is appreciated.
Tax Deals
g: 0 Posted By: Pizzero
Views: 240 Replies: 0 Apple iPad 3rd Generation 16GB Tablet w/ 9.7in Retina Display, Wi-Fi Black White $275 + Free Shipping

HERE EBAY..
iPads Deals

eBay Coupons
Easton EC70 300mm Seatpost $49.99 Performance Bike
Added on : Monday February 17th 2014 07:00:18 AM
g: 1 Posted By: tedhawkins
Views: 239 Replies: 0 Easton EC70 300mm Seatpost $49.99 performance bike

http://www.performancebike.com/bikes/Product2_10052_10551_113804...

Easton EC70 300mm Seatpost - Closeout!

The Easton EC70 seatpost is all about performance and durability. With zero setback and a length of only 300mm, this post was designed to put you in an aggressive, confident position while keeping the overall impact of added weight to your bike at a minimum. A 31.6mm size has a claimed weight of just 225 grams (29.4mm available) which makes it a great choice for a cross country race bike.
The EC70 carbon post has an aluminum upper clamp that's easy to adjust for perfect pitch. The TaperWall technology distributes stress along the length of the post to improve its overall durability and maintain a vibration dampening ride quality.


Easton EC70 carbon material
225 grams (based on size 31.6mm, claimed)
300mm length
Zero offset
Bicycle Deals

Performance Bicycle Coupons
​Easton EC70 300mm Seatpost $49.99 Performance Bike
Added on : Monday February 17th 2014 06:00:02 AM
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Easton EC70 300mm Seatpost $49.99 performance bike

http://www.performancebike.com/bikes/Product2_10052_10551_113804...

Easton EC70 300mm Seatpost - Closeout!

The Easton EC70 seatpost is all about performance and durability. With zero setback and a length of only 300mm, this post was designed to put you in an aggressive, confident position while keeping the overall impact of added weight to your bike at a minimum. A 31.6mm size has a claimed weight of just 225 grams (29.4mm available) which makes it a great choice for a cross country race bike.
The EC70 carbon post has an aluminum upper clamp that's easy to adjust for perfect pitch. The TaperWall technology distributes stress along the length of the post to improve its overall durability and maintain a vibration dampening ride quality.


Easton EC70 carbon material
225 grams (based on size 31.6mm, claimed)
300mm length
Zero offset
Lease vs buy new vehicle
Added on : Wednesday February 12th 2014 10:00:17 AM
g: 0 Posted By: RobInBoston
Views: 208 Replies: 5 I have been one to always buy a used with cash. No hassle, no finance charges, I own the vehicle and can do what I want with it, drive as much as I want, don't have to worry about dings and dents, etc. However, I recently got into a new career field, started making a lot more money, and have decided we no longer need to deal with the "hassle" of a used van, for example, whose sliding door gets stuck/frozen every winter, or having to bring to the mechanic a few times a year, breaking down on the side of the road, having to invest in new tires and brakes, etc. Whatever peoples reasons are, some, like me, now choose to own new cars. And yes I realize this isn't the Fatwallet way, theres usually a huge hit in depreciation the first year but stick with me here...

So Ive looked into leases and have found there are some really great deals locally. Was wondering feedback / thoughts / opinions, would you buy new or lease?

Needing a family sedan Im using a 2014 Camry LE as my example. To purchase, with destination, title, doc fees, out the door price is about $24,000. Expected depreciation is $1800-$2000 the first year, $1700 the 2nd, and tapers off after that.

Now lets compare to leasing the same car, 2014, Camry LE. A local dealership has a $1999 due at signing, and $69/month lease. When factoring in the down payment, this comes out to $124/month, or $1488 per year. So for me this is the cheaper way to own a new car, as it costs $4464 over 3 years vs the depreciation of $5200 for the first 3 years of ownership.


Again, the obviously cheaper method is to buy a 3-5 year old Camry, with depreciation of $800-$1400 per year, and pay for the necessary upkeep as you go, but this is for those who want to own new, do not want to put down a lot of money, etc.

Thoughts?


Links
Cheap Lease
http://westborotoyota.com/Toyota-Camry-Zero-Down-Lease/

Average depreciation for a 2012 Camry
http://www.edmunds.com/toyota/camry/2012/tco.html


Personal Finance Deals
g: 1 Posted By: imanemokid
Views: 1507 Replies: 17 Nature Made Vitamins & Supplements FREE @ Walgreens B1G1 free Sale after Qz (PDF) + Bonus Points (5000 after $25.00 for Balance Rewards Members) >> ... ** B1G1 til Feb 15th & Bonus Points only until Tuesday Feb 11 ..

$5 OFF any one (1) Nature Made product at Walgreens MANUFACTURER'S COUPON EXPIRES 03/01/14> PDF 10Qz

Sign up for a Balance Rewards Card @ Wags to be able to use the Bonus Points Q found on the first page of the weekly ad.

Vitamins & Supplements are on sale Buy One Get One Free. To get the item for FREE, the item must be less than $12.50. You can use the $5 Qz on each of the B1G1s - 1 per item.

As per Wags coupon policy ...

When items are featured in a Buy One, Get One Free promotion, up to two coupons can be used against the items being purchased,
as long as the net price does not go below zero for the items being purchased.
Sales tax must be paid for any Buy One, Get One Free coupon offers, if required by applicable state laws.
The coupon amount must be reduced if it exceeds the value of the item after other discounts or coupons are applied.
(For example, a $5.00 coupon for a $4.99 item will result in a $4.99 coupon value).


There are many scenerios for FREE V&S and a MoneyMaker w/ the Qz and Bonus Points ... or at least very cheap / inexpensive

I will try to go to Wags later today & get some prices >>> see NM@Wagz_021014_7p.pdf ... (under Points Booster PIX)


**Excludes Vitamelts & Adult Gummies on the B1G1 Free ... but they are on sale for $4.99 (V) and $6.99 (AG) each

Example ... even for the AG @ $6.99 each ... $28.00 for 4 - w/ $20 in Qz and $5 in bonus points ... they end up costing $0.75 each (plus tax where applicable)

See info on Vitamelts @ C320's post ... Nature Made Vitamelts @ Walgreens free AC + salestax

Side Note : Have a FUN day @ walmartsux and pricematch this deal ... and they don't reduce the Qz value ... so purchase other items to cover overage ...
Health & Beauty Deals
g: 1 Posted By: tedhawkins
Views: 180 Replies: 0 Vortex Riflscope 4-12x44 Crossfire II V-Plex + Rings, Pen & Hat $159.99 Shipped

http://www.gearhog.com/

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.
Guns & Ammo Deals
g: 0 Posted By: Northerner26
Views: 166 Replies: 0 Vortex Riflscope 4-12x44 Crossfire II V-Plex with Medium Viper Rings, Lens Pen, Vortex Hat & shipping only $159.99Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.


$160 shipped @ Gearhog



Guns & Ammo Deals
g: 0 Posted By: imanemokid
Views: 76 Replies: 0 Nature Made Vitamins & Supplements FREE @ Walgreens B1G1 free Sale after Qz (PDF) + Bonus Points (5000 after $25.00 for Balance Rewards Members)

$5 OFF any one (1) Nature Made product at Walgreens MANUFACTURER'S COUPON EXPIRES 03/01/14> PDF 10Qz

Sign up for a Balance Rewards Card @ Wags to be able to use the Bonus Points Q found on the first page of the weekly ad.

Vitamins & Supplements are on sale Buy One Get One Free. To get the item for FREE, the item must be less than $12.50. You can use the $5 Qz on each of the B1G1s - 1 per item.

As per Wags coupon policy ...

When items are featured in a Buy One, Get One Free promotion, up to two coupons can be used against the items being purchased,
as long as the net price does not go below zero for the items being purchased.
Sales tax must be paid for any Buy One, Get One Free coupon offers, if required by applicable state laws.
The coupon amount must be reduced if it exceeds the value of the item after other discounts or coupons are applied.
(For example, a $5.00 coupon for a $4.99 item will result in a $4.99 coupon value).


There are many scenerios for FREE V&S and a MoneyMaker w/ the Qz and Bonus Points ... or at least very cheap / inexpensive

I will try to go to Wags later today & get some prices


**Excludes Vitamelts & Adult Gummies on the B1G1 Free ... but they are on sale for $4.99 (V) and $6.99 (AG) each

Example ... even for the AG @ $6.99 each ... $28.00 for 4 - w/ $20 in Qz and $5 in bonus points ... they end up costing $0.75 each (plus tax where applicable)

See info on Vitamelts @ C320's post ... Nature Made Vitamelts @ Walgreens free AC + salestax

Side Note : Have a FUN day @ walmartsux and pricematch this deal ... and they don't reduce the Qz value ... so purchase other items to cover overage ...
Health & Beauty Deals
Rite Aid 2/16 - 2/22
Added on : Thursday February 06th 2014 04:00:18 AM
g: 0 Posted By: MrVietnam
Views: 69 Replies: 0 +UP Offers:

$1+UP wyb 2 Kelloggs Cereal (Frosted Flakes, Rice Krispies, Froot Loops, Apple Jacks, Corn Pops and Corn Flake 8.7-12 oz.; Raisin Bran Original 13.7 oz; PopTarts and Rice Krispies Treats 8 Pack) @ 2/$4, L2 (marked for B&E)

$3+UP wyb Bausch & Lomb Preservision or Ocuvite Eye Vitamins, L2 (marked for B&E)

$5+UP wyb 2 Lil Critters or Vitafusion Gummy Vitamins @ BOGO50%, L1

$10+UP wyb alli Weight Loss Aid Starter Kit 90 ct or Refill 120 ct., L2

$5+UP wyb $20 of these items, L3:
Nasacort Allergy Relief 60 Sprays @ $12.99
Nasacort Allergy Relief 120 Sprays @ $19.99
Allegra Allergy Relief (Allegra-D available at the pharmacy counter, not available in all states. Limit one Allegra-D per customer)

$1+UP wyb Excedrin Pain Relievers 24 ct. @ $3.99, L4

$2+UP wyb Advil Tablets or Caplets 200 ct., Liquigels 160 ct. or Advil PM Caplet 120 ct @ $15.99, L4

$3+UP wyb 2 Ricola Throat Drops 45-50 ct. @ 2/$8, L2

$2+UP wyb Aleve 100 ct., Liquigels 40 ct., Cold and Sinus 20 ct; Bayer Aspirin 81 mg or 325 mg 200 ct, Back and Body or Extra Strength 100 ct. (Aleve Cold and Sinus located at the pharmacy, not available in all states, Limit 1 Aleve Cold and Sinus per customer.), L4

$10+UP wyb 2 Fiber Choice 90ct. @ 2/$22, L1

$5+UP wys $20 on Revlon Lip, Nail or Face Care @ BOGO50%, L2

$2+UP wyb Vaseline Lotion 10 oz. @ $3.49, L2

$10+UP wys $30 on any LOreal Skincare Items, L2:
LOreal Paris Age Perfect Glow Renewal, Revitalift Miracle Blur and Triple Power or Youth Code (regular retail $24.99-$25.99) @ $19.99
LOreal Paris Facial Moisturizers (regular retail $16.49-$21.99) @ $13.99

$5+UP wys $20 on Garnier Skincare Items, L2:
Garnier Clean+ Product 25% off
Garnier Dark Sport or Ultra Lift Intensive Care (regular $16.99-17.99) @ $14.99
Garnier Skin Renew or Ultra Lift Facial Skin Care (regular $12.99-15.49) @ $11.99

$5+UP wys $20 Olay Complete, Age Defying or Total Effects Facial Moisturizers or Cleansers (regular retail $9.99-$16.49), L2

$5+UP wys $20 on Neutrogena Foundation, Powder, Blush, Concealer or Makeup Removers @ BOGO50%, L2

$2+UP wys $6 on Suave Hair Care, Skin Care, Body Wash or Antiperspirant Deodorant @ BOGO50%, L3

$3+UP wyb John Frieda Precision Color Blend Foam Hair Color @ $12.99, L3

$2+UP wyb Rite Aid Acid Relief Omeprazole or Lansoprazole 14ct. (compare to Prilosec and Prevacid) @ $7.99, L2

$5+UP wys $25 on these Tugaboos items, L2:
Mega Pack Diapers or Overnights @ $11.99
Infant Formula - Regular Retail $6.99-$18.99
Baby Bath or Skin Care Products or Cotton Swabs 300, 500 or 625 ct. (regular retail $2.99-$5.49) @ 2/$5

$3+UP wyb First Response Pregnancy Test Kits or Ovulation Kit, L2

$2+UP wyb 2 Kotex Maxi Pads 28-44 ct, Lightdays Pantiliners 80-135 ct., Secruity Tampons 36 ct, Poise Pads 20-22 ct. regular retail $6.49-$6.99 or Pantiliners 44-48 ct. @ 2/$12, L2

$2+UP wyb 2 LifeStyles Product (excludes 3 ct. Condom) @ BOGO50%, L2

$1+UP wyb Listerine Mouthrinse Cool Mint, Original, Fresh Burst, Soft Mint or Zero, 1 ltr; Toothpaste 4.2 oz; Pocketpaks 72 ct.; Kids Rinse 500 ml; Reach Floss Mint Waxed 200 yd. @ $3.99, L2

$3+UP wyb 2 Colgate Total Advanced or Optic White Mouthwash 8 oz. or Toothpaste Total Advanced 5.8 oz., Total 6 oz, Optic White 4 oz., 2-in-1 4.6oz. @ 2/$7, L2 (tagged for B&E)

$1+UP wyb Pampers Super Pack Diapers @ $24.99, L2 (tagged for B&E)

$3+UP wyb 2 Johnsons Baby Care 27-28 oz., Washcloths 14 ct., Desitin 3.5-4 oz. (regular retail $6.49-$8.49), L2

$1+UP wyb 2 Pirates Booty 4 oz., Smart Puffs 4.5 oz, Riceworks 5.5 oz, New York Bagel Crisps 6 oz @ 2/$4, L3

$1+UP wyb Nesquik 10.9 oz., Nescafe Memento 8 pack, Bigelow Tea 20 ct. @ $2.49, L3

$1+UP wyb 2 Ocean Spray Craisins 5oz., Betty Crocker Baking Mixes 15.25-18.3 oz. or Frosting 16 oz. @ 2/$4, L3

$1+UP wyb 4 7UP or 7UP Products 2 liter @ 4/$5, L2 (tagged for B&E)

$1+UP wyb Ferrero Rocher Easter Egg or Bunny 5.7 oz. @ $6.99, L4

$1+UP wyb 2 Easter Peeps 3-12 ct. (excludes chocolate covered) @ 2/$2 (single purchase price $1.29), L4

$2+UP wyb 2 Rite Aid Bridge Mix 8 oz., Chocolate Covered Peanuts or Raisins 11 oz. or Goetze Caramel Creams 12 oz @ 2/$5 (single purchase price $2.79), L4

$3+UP wyb $12 of Maybelline Cosmetics @ BOGO50%, L2

$2+UP wyb 2 Duracell Copper top Batteries AA or AAA 8 pack, C or D 4 pack, 9 volt 2 pack; Quantum Batteries AA or AAA 6 pack; Hearing Aid Batteries 8 pack @ 2/$12, L2 (tagged for B&E)

$5+UP wyb $20 of Nature Made Vitamins and Supplements @ BOGO50%, L2 (tagged for B&E)

$10+UP wyb $30 Ace, Futuro Supports, Braces and Compression Hosiery and Nexcare Products @ BOGO50%, L2

$1+UP wyb 2 Lays 9.5-10 oz. Potato Chips (excludes Kettle), Rold Gold 10-16 oz., Pepperidge Farm Cookies 4.75-8.6 oz., Mrs. Fields Cookies 8 oz., Nabisco Cookies 8.8-14.4 oz. (excludes Oreo and Fig Newton) @ 2/$6, L2

$2+UP wyb 3 Coke or Coke Products 12 pack, 12 oz. cans @ 3/$12, L2 (tagged for B&E)
Health & Beauty Deals
ZeroXposur 3-in-1 Cannon System Jacket - Boys 8-20 $58.00 at Kohl's
Added on : Tuesday February 04th 2014 01:00:06 PM
g: -1 Posted By: ArtieLange
Views: 167 Replies: 0 ZeroXposur 3-in-1 Cannon System Jacket - Boys 8-20 $58.00 at Kohl's

http://www.kohls.com/product/prd-1511633/zeroxposur-3-in-1-canno...

Highlighted by camo accents, this boys' ZeroXposur Cannon jacket features 2 separate pieces, each of which can be worn separately, or zipped together when the weather gets really cold. In black.Product Features

Heavyweight
Zip front
Long sleeves
4-pocket (outer shell)
2-pocket (inner shell)
D-ring glove clip
Velcro cuffs

Fabric & Care

Polyester
Machine wash
Imported

Clothing Deals

Kohl's Coupons
Chex Systems -- What is it and are there any worries?
Added on : Monday February 03rd 2014 12:00:10 PM
g: 0 Posted By: debentureboy
Views: 93 Replies: 1 I recently decided to get a free copy of my Chex Systems report. It shows some interesting things and begs some questions. Is there a CS expert in the house?

Similar to other reports, they've got 8 addresses for me, all but two of which are twists and flips of where I've really lived. Really, guys? You can't get apartment 2078 right? (shows up as ap, ap 2, #2...)

I've had 15 inquiries in the last year. That's all they gave me -- the last year. I assure you I've had the habit much longer than a year. Their own guidance says that my record can be pulled back as long as 10 years (for negative stuff) and they keep and report for 3 years on non-negative stuff (such as inquiries)... Why only give me the last year? I called (SORRY!!!!) and they said that was all they had on me. Again, I assure you I've had the habit much longer than a year. Is this the result of the CS equivalent of B*? There were several accounts that I opened in the last year that did not show up -- a regional Southwest bank, BBVA Compass are a few that I opened, but don't see an inquiry for. Anyway, I called and asked about only a year of data and the CS rep (India?) said that was all they had on me. OK!

I have 8 non-derogatory records. I wonder what that means? They tell me to write my request down, mail it to them and they'll forward it to Lexis-Nexis. I may do that after a few more checking account bonuses... IF I get some spare time. Zero derogatory records, just in case anyone was curious.

They tell me I've ordered one set of checks in the past three years (and it was about 3 years ago). Hmmm... that must mean the stacks of checks I received from Chase don't actually exist. I'll be sure and share that with Chase next time I see them.

Inquiries seem to come in two types, similar to credit inquiries -- initiated by me (seems to count more), initiated by others (pre-approved offers and the like). Just like hard / soft credit pulls, they say the "soft" inquiries do not affect my score nor are they visible to future providers. Some of my recent prepaid debit card providers did a pull, many did not. Some of the prepaids that have savings accounts associated with them did not make an inquiry. Interesting.

Some banks pulled for every account opened -- savings, checking, CD. Others did one pull for several accounts.

I have a "wealth index" of 4 on a scale of 0 to 6. They tell me this is based on water craft, aircraft and property asset records (Cars were not listed. I don't get credit for driving a decade old Buick?????). I'm guessing the FWF crowd is often mis-represented on THIS scale! The "big hat, no cattle" guys shine here!

They will kindly provide me with my CS score for the low-low price of $10.50. I hope they will take a (rubber) personal check ;^) I'll get a check in the mail to them and report back here.

SO.... I'm really most interested in getting a collection of real examples of AA that anyone's had from too many CS inquiries. (I'm not too interested in AA as a result of overdrafts, write-offs, etc... but if you feel compelled to share, post away!). (I've recently had Simple Bank deny me an account due to too many CS inquiries, so I know that can happen...) Can too many CS inquiries result in AA from other providers? (existing accounts)

Anything I'm missing on the whole CS process?

Thanks in advance!





Discussion Deals
DJ-Tech iDance Zero iPod Mixer $159.97 jr.com
Added on : Sunday February 02nd 2014 04:00:07 PM
g: 0 Posted By: DaysFan
Views: 64 Replies: 0 http://www.jr.com/djtech/pe/DJT_IDANCEZERO/

DJ-Tech iDance Zero iPod Mixer$159.97Free Shipping:J&R Item # DJT IDANCEZERO| UPC # 846903000477| Mfr. Part # IDANCEZEROMobile DJ Workstation / iPod Dock / DSP / USB Audio Output2-channel DJ mixer is the affordable iPod mixing console that provides full control of your Music with Real-time scratching (via jog wheel), a stunning DSP section for the Color of your music and a direct link to connect your iPod to your computer.

Features:

2 channel DJ mixer with iPod docking
Scratch, sample and add effects to your iPod
Multi-function jog wheel with scratch
9 Digital effects
Adjustable Pitch shifter
3-band EQ
4 inputs with sampler playback
Crossfader with adjustable curve
Dedicated Microphone input with tone and level control
USB 2.0 Audio Output + USB iPod Sync port
Headphone output


Electronics Deals
g: 3 Posted By: peps2004
Views: 288 Replies: 0 From now until 2/3/14, you can get double points on 12 packs of Coca-Cola, Diet Coke and Coke Zero - perfect for if you've been holding on to your free 12 pack coupons from the 12 Days Of Christmas deals.
Services Deals
g: 0 Posted By: DaysFan
Views: 197 Replies: 0 http://www.bonton.compdf printable

ONLINE

DISCOUNT

Discount details for our One Day SaleOffer valid Friday, January 31 through Saturday, February 1, 2014Save an extra 25% on sale price women's, men's & kids' apparel categories and fine jewelry; save an extra 15% on sale price accessories, dresses, intimates, ladies' & men's outerwear, maternity, footwear, and home; and save an extra 10% on sale price fashion watches, toys, small electrics, and health & wellness.How to receive your discount online:

1. After adding items to your shopping bag, click View Entire Bag to start the checkout process.
2. Enter this code ONEDAYFEB14 in the Promotion Code box at the bottom of your Shopping Bag. Click Apply. (0=zero; letters must be uppercase)
3. Click Checkout to proceed with Billing & Shipping.Your discount will be reflected on valid items immediately after you click "Apply" in the Shopping Bag. See below for exclusions. Offer valid Friday, January 31 through Saturday, February 1, 2014. Promo code is valid online only and cannot be used in our stores.Excludes regular price merchandise, Bonus Buys, Door Busters, Incredible Values, Yellow Dot/Black Dot merchandise, fragrance & cosmetics, Clearance Center merchandise, tech/electronics, fine watches, furniture, cause-related merchandise, gift cards, salon products, service departments, special orders, select designer handbags and shoes.Excludes merchandise from BCBGeneration, Brahmin, Coach, Cole Haan, Columbia, Donald Pliner, Free People, Frye, Johnston & Murphy, Levis, Michael Kors/MICHAEL Michael Kors ladies apparel/accessories & footwear, NYDJ, Sorel, Tempur-Pedic and Wacoal.

Promo code: ONEDAYFEB14
Clothing Deals

Bon-Ton Stores Coupons
g: 0 Posted By: ArtieLange
Views: 65 Replies: 0 Metal Gear Solid V: Ground Zeroes PlayStation 4 Konami preorder $35.99 shipped at Newegg w/code EMCPWHB99

http://www.newegg.com/Product/Product.aspx?Item=N82E16879248115&...
PS4 Games Deals

Newegg Coupons
Income going up SIX fold - changes to expect?
Added on : Tuesday January 28th 2014 07:00:08 AM
g: -1 Posted By: ChelseaMD
Views: 221 Replies: 5 Hi guys,

I made a new username for this topic - I have been a member here for a while, but wanted to have a different username as my old one is tied to many accounts that could make my identity known, which for some reason, I would like to keep private for this topic.

I am currently a chief resident in a surgical sub-specialty at a terrific institution. While residency comes with great training, the pay is less than stellar. My average for the last five years was about 50k a year. I have had the benefit of being married to an attorney who makes a nice amount of income, about double my salary for the last two years. So we have not, by any means, had any complaints of living under poor circumstances and are very grateful to be in our position.

Through my 5 years of residency, I maxed out my Roth IRA each year, and my wife contributed the max to her TSP to have any equal match by her employer. Our retirement is on track with what we wanted to do, especially since after this year, we will not be able to give to a Roth any more. She was blessed to come out of college and law school with ZERO debt and no student loans. I came out of college with no debt, but have roughly 120k of medical school loans to pay back still. About half are locked into a 3.5-4% rate while the rest are at 6.3%.

We have rented the last 3 years (in a big city) and have a car that is fully paid. No credit card debt at all, all bills paid for 100% every month.

I just signed a contract with a private employer to start next year back near our hometown. The starting salary is roughly 6x what I made in residency with a bonus structure that takes it even beyond that. I was lucky enough to be offered a partnership position from day 1, with no associate years/trial years to decrease my flow of income if I work hard. Basically it is an assured salary with a bonus structure that pays me 100% for every cent I make over my salary floor. It also came with a signing bonus worth about 1/2 of my yearly resident salary and moving expenses to get us moved in to our new location with no cost to us. A true sweetheart deal that I cannot be more thankful for.

Now, my wife will have to leave her job, with no way to transfer as there is no government branch there to transfer to. The cost of living will be lower, so we have that to look forward to as well.

But now comes the great unknown, and I am unsure about a lot of things - I am 30, she is 29. We currently have no children, but plan on having them in the next year or two. We want to buy a place - either a condo or house close to the beach I will be working on. We will need new cars, new health insurance, new retirement planning, new child planning, etc. I assume a lot of our benefits will be done through my employer as I have started to look through it.

However, I ask the awesome FW community - what should I expect? Besides higher taxes, what should I do now that my net worth, etc is worth more than it ever has - and by a long margin. Are there important things I must do now? A will? Life insurance? All these things I am trying to learn about, but I cant seem to shake the fact that I am forgetting many things.

I thank you all ahead of time for whatever advice you can give.
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 184 Replies: 0 Vortex Crossfire II Riflescope 6-18x44 AO (V-Plex Reticle) Matte Black + Pen + Hat + Rings $209.99 + Free shipping

http://www.gearhog.com/

Deal Overview
Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

Construction Features:
One-Inch Tube - Standard tube diameter for most American riflescopes.
One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.
Guns & Ammo Deals
g: 0 Posted By: myonlyday
Views: 6 Replies: 0 Amazon.com has the BenQ XL2420TE 144Hz, 1ms High Performance 24-Inch Professional Gaming Monitor for $279.99 now.

http://www.amazon.com/BenQ-XL2420TE-Performance-24-Inch-Professional/dp/B00D7IG556

144 Hz, Nvidia 3D Vision 2 ready
ZeroFlicker technology for visual comfort during long game sessions
Height adjustment, game mode loader
FPS mode, RTS mode, Intuitive OSD, S. Switch
D-sub + DVI-DL + HDMI1.4x2 + DP1.2/headphone jackHDMI 1.4 x 2, D-Sub; DVI-DL; DP 1.2, Headphone Jack


DOJ files and arrests Bitcoin...
Added on : Monday January 27th 2014 07:00:17 AM
g: 0 Posted By: SinglePapa
Views: 91 Replies: 0 http://www.zerohedge.com/news/2014-01-27/doj-finally-going-after...
General Economics Deals
Avanti Toys Bluetooth Multifunction Plush Toys - 25% off at Amazon
Added on : Sunday January 26th 2014 08:00:06 PM
g: 0 Posted By: zerodeal
Views: 900 Replies: 1 Just came across these toys at Amazon. Interesting idea and I guess adults also can use these toys like bluetooth speaker phone and music players. Its 25% off now with good reviews. I checked their site www.avantitoys.comand there are more features listed there.

Amazon description of the Elephant Plush Toy -

Connect to Smart phone,Tablet or any Bluetooth Enabled Device: Kumki pairs and connects to your iPhone, iPad, Android, Win8, MP3 Player, Tablet, Laptop, Smart phone or any Bluetooth enabled device.
Music Mate, Hours of Story time and Play Personalized Voices: Kumki plays songs, lullabies, audio storybooks and your baby's favorite music. Record songs or stories in your own voice and Kumki will play it back to your baby making it more personalized, which would meaningfully engage and keep your baby entertained for hours. Teach your baby essential sounds, making the learning process fun and engaging.
Baby Connect and Hands Free Phone: Talk to your baby or loved ones using Kumki. Kumki comes with a built-in Speaker and Microphone. Acts as a hands free phone when paired with a smart phone. Sing a song, tell a good night story and talk to your baby by calling a phone paired with Kumki. Kumki gives you the freedom to stay in touch with your loved ones from office, car or when you are away from home.
Wireless Speaker: Use Kumki as a wireless portable speaker. Pair it with your music player and start enjoying crystal clear sound both indoors and outdoors.
USB Charging and Extended Battery Life: Kumki has a built-in Lithium Ion battery and is chargeable through USB. It gives an extended battery life and amazing standby time when fully charged.



http://www.amazon.com/Avanti-Toys-Bunga-Bluetooth-Monkey/dp/B00E...
http://www.amazon.com/Avanti-Toys-Kumki-Bluetooth-Elephant/dp/B0...


Toys Deals

Amazon Coupons
Lowes--Task Force 23 Piece File Set With Pouch $5.70 BM YMMV
Added on : Sunday January 26th 2014 04:00:04 PM
g: 3 Posted By: MrsGuin
Views: 332 Replies: 1 Store availability online @ my Lowesis listed as Zero stock for that store, but they definitely were in fact in stock in the store. This is frequently the case.
http://www.lowes.com/pd_278737-16878-60759_0
g: 0 Posted By: zerodeal
Views: 524 Replies: 1 Just came across these toys at Amazon. Interesting idea and I guess adults also can use these toys like bluetooth speaker phone and music players. Its 25% off now with good reviews. I checked their site www.avantitoys.comand there are more features listed there.

Amazon description of the Elephant Plush Toy -

Connect to Smart phone,Tablet or any Bluetooth Enabled Device: Kumki pairs and connects to your iPhone, iPad, Android, Win8, MP3 Player, Tablet, Laptop, Smart phone or any Bluetooth enabled device.
Music Mate, Hours of Story time and Play Personalized Voices: Kumki plays songs, lullabies, audio storybooks and your baby's favorite music. Record songs or stories in your own voice and Kumki will play it back to your baby making it more personalized, which would meaningfully engage and keep your baby entertained for hours. Teach your baby essential sounds, making the learning process fun and engaging.
Baby Connect and Hands Free Phone: Talk to your baby or loved ones using Kumki. Kumki comes with a built-in Speaker and Microphone. Acts as a hands free phone when paired with a smart phone. Sing a song, tell a good night story and talk to your baby by calling a phone paired with Kumki. Kumki gives you the freedom to stay in touch with your loved ones from office, car or when you are away from home.
Wireless Speaker: Use Kumki as a wireless portable speaker. Pair it with your music player and start enjoying crystal clear sound both indoors and outdoors.
USB Charging and Extended Battery Life: Kumki has a built-in Lithium Ion battery and is chargeable through USB. It gives an extended battery life and amazing standby time when fully charged.



http://www.amazon.com/Avanti-Toys-Bunga-Bluetooth-Monkey/dp/B00E...
http://www.amazon.com/Avanti-Toys-Kumki-Bluetooth-Elephant/dp/B0...


Toys Deals

Amazon Coupons
Avanti Toys Bluetooth Multifunction Plush Toys 25% off at Amazon
Added on : Sunday January 26th 2014 09:00:07 AM
g: 0 Posted By: zerodeal
Views: 59 Replies: 0 Just came across these toys at Amazon. Interesting idea and I guess adults also can use these toys like bluetooth speaker phone and music players. Its 25% off now with good reviews. I checked their site www.avantitoys.com and there are more features listed there.

Amazon description of the Elephant Plush Toy -

Connect to Smart phone,Tablet or any Bluetooth Enabled Device: Kumki pairs and connects to your iPhone, iPad, Android, Win8, MP3 Player, Tablet, Laptop, Smart phone or any Bluetooth enabled device.
Music Mate, Hours of Story time and Play Personalized Voices: Kumki plays songs, lullabies, audio storybooks and your baby's favorite music. Record songs or stories in your own voice and Kumki will play it back to your baby making it more personalized, which would meaningfully engage and keep your baby entertained for hours. Teach your baby essential sounds, making the learning process fun and engaging.
Baby Connect and Hands Free Phone: Talk to your baby or loved ones using Kumki. Kumki comes with a built-in Speaker and Microphone. Acts as a hands free phone when paired with a smart phone. Sing a song, tell a good night story and talk to your baby by calling a phone paired with Kumki. Kumki gives you the freedom to stay in touch with your loved ones from office, car or when you are away from home.
Wireless Speaker: Use Kumki as a wireless portable speaker. Pair it with your music player and start enjoying crystal clear sound both indoors and outdoors.
USB Charging and Extended Battery Life: Kumki has a built-in Lithium Ion battery and is chargeable through USB. It gives an extended battery life and amazing standby time when fully charged.



http://www.amazon.com/Avanti-Toys-Bunga-Bluetooth-Monkey/dp/B00E...
http://www.amazon.com/Avanti-Toys-Kumki-Bluetooth-Elephant/dp/B0...


Toys Deals

Amazon Coupons
Bedol Water Clock (BEWC00-24) - $9.99 w/ Free Shipping at NeweggFlash
Added on : Thursday January 23rd 2014 04:00:05 PM
g: 0 Posted By: jessicadabears
Views: 223 Replies: 1 Bedol Water Clock(BEWC00-24)-$9.99 w/ Free Shipping at NeweggFlash.

These come (2) to a package in your choice of 5 stylish color combinations.
Uses zero electricity
Makes its own power from the ions in ordinary tap water
Looks space age cool
Can run for years and its immune to power outages
Because the clock uses no energy it essentially pays for itself


This must be a new product? I could not find any reviews. Looks cool though!
Home & Garden Deals
Free Rockstar Pure Zero Energy Drink at Kum & Go - FB
Added on : Thursday January 23rd 2014 05:00:16 AM
g: 0 Posted By: remick
Views: 89 Replies: 0 https://www.facebook.com/kumandgo/app_272887412730429
Totally Free Deals
Goal Zero Portable Solar Power Essentials Kit $74.99 shipped @ Woot
Added on : Wednesday January 22nd 2014 07:00:04 PM
g: 0 Posted By: ctgolfer
Views: 125 Replies: 0 www.woot.com/offers/goal-zero-portable-power-essentials-kit
Batteries & Chargers Deals

woot! Coupons
Financial Advice After Insurance Settlement
Added on : Monday January 20th 2014 06:00:08 PM
g: 0 Posted By: tylerAlwaysAdvancing
Views: 83 Replies: 1 First off, thanks for taking the time to read this and respond with any advice. I am a 23 year old recent college graduate. I am engaged and work as a region rep for my fathers small business he started 14 years ago. I rent an apartment with hopes of buying a home in Summer 14.

Recently I was involved in an wheeler accident with zero fault on my part. I suffered back injuries, nothing major but still very much so significant. I am expecting anywhere from 300k-600k in a settlement. I have a top attorney doing his job, all the information has been provided its in their hands.

I am wanting advice on options for me and my soon to be family here in the near future. I have zero college loans or credit debt. I own my current car (after the accident took mine and left me with cash to buy another). I currently have no investments, savings, retirement funds or anything. I have roughly 10k in the bank and my fiance is a school teacher making a living while having no expenses all through hs/college/and young profession other than a car payment. (scholarship, no school debt) she has a nice sum in her bank. I will make around 50k this year and should increase 15-20% a year after that.

The #1 thing to do is purchase my first home. I believe it is in my best interest to purchase my home by paying cash without worrying about mortgages. My budget we will say is 250k.
After that I am running laps around my head trying to figure out what to do first; insurance, retirement, investments, kids college funds etc. and how much to really dive into that right away.

Obviously I need money set aside if my back injury takes a bad turn later down the road.. I will eventually own my fathers company and insurance won't be easy to come by (fiance dreams of stay a home mom) I want to be as prepared as possible going into this.

Any advice would be appreciated.
Personal Finance Deals
Free Rachael Ray Nutrish Zero Grain Dog Food Sample
Added on : Monday January 20th 2014 02:00:06 PM
g: 0 Posted By: remick
Views: 127 Replies: 0 http://nutrish.rachaelray.com/switchto/nutrish

There are also some coupons for dog and cat food if you would prefer them
Home, Auto & Pets Deals
8 Free Audio Books at Audible.com
Added on : Sunday January 19th 2014 04:00:04 AM
g: 0 Posted By: remick
Views: 128 Replies: 0 FREE: The Future of a Radical Price
http://www.audible.com/pd/Business/FREE-Audiobook/B002V5CUHI

Gabriel: Zero Point: The FREE Prequel Novella: Evan Gabriel Trilogy
http://www.audible.com/pd/Sci-Fi-Fantasy/Gabriel-Zero-Point-The-...

Free: Shark Tank Jump Start Your Business: How to Launch and Grow a Business from Concept to Cash
http://www.audible.com/pd/Business/Free-Shark-Tank-Jump-Start-Yo...

Free: Whodunnit? Murder on Mystery Island
http://www.audible.com/pd/Mysteries-Thrillers/Free-Whodunnit-Mur...

Free: I'm Dreaming of an Undead Christmas
http://www.audible.com/pd/Romance/Free-Im-Dreaming-of-an-Undead-...

Free: Whodunnit?: Murder in Mystery Manor
http://www.audible.com/pd/Mysteries-Thrillers/Free-Whodunnit-Aud...

Army of One: FREE Star Force Novella
http://www.audible.com/pd/Sci-Fi-Fantasy/Army-of-One-FREE-Star-F...

Free: Three Shots Rang Out - The JFK Assassination 50 Years Later
http://www.audible.com/pd/History/Free-Three-Shots-Rang-Out-The-...
Books & Magazines Deals
g: 0 Posted By: ctgolfer
Views: 220 Replies: 0 www.sears.com/shc//p_10153_12605_077VA66789012P
Clothing Deals

Sears Coupons
g: 0 Posted By: tedhawkins
Views: 129 Replies: 0 Vortex Diamondback Riflescope 1.75-5x32 V-Plex Matte Black + Rings, Lens Pen & Hat $169.99 FS

http://www.gearhog.com/?did=67329

Deal Overview
Great hunting in dense cover
The 1.75-5x32 Diamondback delivers quick Target aquisition when hunting at short range or in dense cover. Vortex knows good hunting gets all the better with high quality optics. For that reason, Vortex makes sure every glass surface of the Diamondback is fully multi-coated to transmit 91% of the light -- delivering the bright details you need when taking aim.

Zero reset accuracy. Machined for durability.
Make precise adjustments with just the tips of your fingers. Even more important is the fine machining of the metal-on-metal dials -- guaranteeing accuracy for years to come.
Fast focus eyepiece is quick and easy to use.
Pop-up dials let you easily set elevation and windage back to zero.
Audible clicks are easily counted for fast, precise adjustment of elevation and windage.
Guns & Ammo Deals
g: 1 Posted By: ksenn
Views: 187 Replies: 0 GameStop has Command & Conquer: The Ultimate Collectionfor PC download for $4.99. The 17-game collection was originally 19.99.

Includes:

Command & Conquer
Command & Conquer The Covert Operations
Command & Conquer Red Alert
Command & Conquer Red Alert Counterstrike
Command & Conquer Red Alert The Aftermath
Command & Conquer Tiberian Sun
Command & Conquer Tiberian Sun Firestorm
Command & Conquer Red Alert 2
Command & Conquer Red Alert Yuri's Revenge
Command & Conquer Renegade
Command & Conquer Generals
Command & Conquer Generals Zero Hour
Command & Conquer 3 Tiberium Wars
Command & Conquer 3 Kane's Wrath
Command & Conquer Red Alert 3
Command & Conquer Red Alert 3 Uprising
Command & Conquer 4 Tiberian Twilight

Video Games Deals

GameStop Coupons
Redfeather Y20 Snowshoe - Kid's $59.96 FS
Added on : Tuesday January 14th 2014 06:00:05 PM
g: 0 Posted By: tedhawkins
Views: 183 Replies: 0 Redfeather Y20 Snowshoe - Kid's $59.96 FS

http://www.campmor.com/outdoor/gear/Product___78445

Redfeather Y20 snowshoes for kids feature a 20 inch modified V-Tail frame design for excellent maneuverability in the snow. Designed for use by kids weighing up to 80 lbs., these recreational snowshoes feature 20 inch 6000 series aluminum frames, flexible yet secure bindings and real aluminum crampons. A TX 35 Rip Stop deck completes the shoe and is both puncture and abrasion resistant for years of use.
Recreational modified V-Tail kids snowshoes feature 6000 series lightweight aircraft aluminum frame for strength and durability and a shape that excels for maneuvering around rocks and trees in the snow.
Flexible and secure binding features lateral support plus a quick adjusting toe, mid-section and heel straps
A live action hinge connects the binding to the snowshoe, which lifts the tail of the shoe from the snow with every step for added mobility and speed
Aluminum front and rear crampons have superior bite for traction and stability
TX 35 Rip Stop decking provides superior puncture and abrasion resistance while staying soft and flexible in sub-zero temperatures
Sports & Outdoors Deals

Campmor Coupons
T.mobile zero down on phones + 10% discount on monthly bill
Added on : Tuesday January 14th 2014 07:00:06 AM
g: 0 Posted By: elbjackson
Views: 342 Replies: 0 Found this flier:
majority of Tmobile phones $0 down including the iPhone 5C 16gb, 32gm and iPhone 5S 16gb.
10% discount on your monthly rate plan
Exclusive discounts on 4G devices
Waived initial activation fees
Free shipping

Call (866) 464-8662 and use promo code 25148TMOFAV
Mention "stack deals"

Has anyone used this deal or something similar before?
Services Deals

T-Mobile Coupons
Where is the scam here?
Added on : Monday January 13th 2014 12:00:07 PM
g: 0 Posted By: couponking1953
Views: 0 Replies: 0 I tried searching for similar on the internet but did not find anything that fits this situation:

I live in the northeast and on a whim, decided to list my boat for sale. It was listed on one of the major boat website and I included an accurate listing along with several photos and overpriced it dramatically. It was listed at $13k but in peak season, I would expect to get $7-$8k tops. Two days after the listing was posted, I received a phone call from a very interested buyer. We talked about the boat and he was very knowlegable with this make and model and he indicated that this was exactly what he was looking for and would be back in touch. He called again later and wanted me to hold it for him (it is like zero outside and everything is froze solid so I was not expecting a lot of interest) and offered to send me 10% as a deposit and he would make the trip to close the deal this weekend. He lives in the far south and would require an airplane ride here, plus he would need to arrange transportation of the unit back south. Here is what I thought to be the hook. He asked for my checking account number and bank routing number to send the deposit to. OK, I gave him a "waister" account that seldom has any funds in it or activity associated with it. A little while ago, $1,300 shows up in the account. I am thinking about pulling the funds out and closing the account first thing tomorrow morning and if the deal does not close, work with my banker to return the funds in the same manner that they were received

If he does come to town to complete the deal, I will be shocked. If he does come to town, I will require cash. This whole sequence of events scares me a little as it seems too easy of a sale.

What am I missing here and what could go wrong.

Thanks for any thoughts.
g: 0 Posted By: Pizzero
Views: 119 Replies: 0 Metropcs Hot Discounts Starting 1/15 ( our store starts this day in Irving TX) not sure if is gone a be nationwide
Some phones comes whit instant rebate and Mail in Rebate
Valid on New Activations & Upgrades
Checkout the picture for full details ..

thanks
Cell Phones Deals
g: 0 Posted By: tedhawkins
Views: 99 Replies: 0 Vortex Crossfire II 4-12x44 (V-Plex Reticle) Matte Black with Vortex Viper 1-Inch MEDIUM Riflescope Rings Vortex Lens Pen, Vortex Hat $159.99 FS

http://www.gearhog.com/?did=67318

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.
Guns & Ammo Deals
IGN's Free Game of the Month - Modern Combat 4: Zero Hour
Added on : Friday January 10th 2014 10:00:08 AM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.ign.com/prime/promo/modern-combat-4

for iPhone, iPad, iPod touch
Loyal3 Santander IPO - buy stock with CC
Added on : Thursday January 09th 2014 01:00:11 PM
g: 0 Posted By: Matr0skin
Views: 57 Replies: 1 Loyal3 is offering shares in Santader Consumer USA IPO with zero fees. Credit card funding available. I'm waiting to see how Citi treats my initial credit card funding.
http://ipo.loyal3.com/santander
Investing Deals
g: 0 Posted By: heyyl0w
Views: 305 Replies: 0 Amazon has Metal Gear Solid V: Ground Zeroes Pre-Order (PS4)for $39.99. Shipping is free. Also available on the Xbox One.

Alternatively, you can pre-order it for the Xbox 360for $29.99 or the PS3for $29.96 if you weren't one of the lucky ducks that got a next-gen console.

Release date is March 18. If the price decreases between purchase and release date, you'll receive the lowest price.

Here's a linkto 2 trailers that show gameplay.

THE POWER OF FOX ENGINE - Ground Zeroes showcases Kojima Productions' stunning FOX Engine, a true next-generation game engine which revolutionizes the Metal Gear Solid experience.
INTRODUCTION TO OPEN WORLD DESIGN - The first Metal Gear Solid title to offer open world gameplay. Ground Zeroes offers total freedom of play: how missions are undertaken is entirely down to the user.
UNRESTRICTED STEALTH - Imagine classic Metal Gear gameplay but with no restrictions or boundaries. Players use intelligence and cerebral strategy to sneak their way through entire missions, or go in all guns blazing.
MULTIPLE MISSIONS AND TASKS -Ground Zeroes boasts a central story mode and Side-Ops missions ranging from tactical action, aerial assaults and "covert" missions that will be sure to surprise.
REDESIGNED INTERFACE - Ground Zeroes users will benefit from a clean in-game HUD that shows the minimal amount of on-screen data to give a more intense gaming experience.

PS4 Games Deals

Amazon Coupons
Metal Gear Solid V: Ground Zeroes Pre-Order (PS4) - $39.99 @ Amazon
Added on : Thursday January 09th 2014 12:00:02 PM
g: 0 Posted By: heyyl0w
Views: 1 Replies: 0 Amazon has Metal Gear Solid V: Ground Zeroes Pre-Order (PS4)for $39.99. Release date is March 18. If the price decreases between purchase and release date, you'll receive the lowest price.
PS4 Games Deals

Amazon Coupons
g: 0 Posted By: MISTERCHEAP
Views: 91 Replies: 0 http://www.poweraderewards.com/showLBE.do?id=powerade&loc=coupon







ShopRite




Powerade Zero, 32oz - $1.00
$0.50/1 Powerade Zero, 32oz
FREE after coupon
Stop & Shop




Powerade Zero, 32oz - $0.88 (sale price)
$0.50/1 Powerade Zero, 32oz
FREE after coupon
Wegmans




Poweade Zero, 32oz - $0.89
$0.50/1 Powerade Zero, 32oz
FREE after coupon
A&P




Powerade Zero, 32oz - $1.19
$0.50/1 Powerade Zero, 32oz
$0.19 after coupon
Harris Teeter (through 1/14)




Powerade Zero, 32oz - $1.00 (sale price)
$0.50/1 Powerade Zero, 32oz
FREE after coupon
Weis




Powerade Zero, 32oz - $1.00
$0.50/1 Powerade Zero, 32oz
FREE after coupon
Price Chopper




Powerade Zero, 32oz - $1.00 (sale price)
$0.50/1 Powerade Zero, 32oz
FREE after coupon
Lowes




Powerade Zero, 32oz - $0.88 (sale price)
$0.50/1 Powerade Zero, 32oz
FREE after coupon
Acme




Powerade Zero, 32oz -$1.00 (sale price)
$0.50/1 Powerade Zero, 32oz
FREE after coupon



Grocery Deals
g: 0 Posted By: MISTERCHEAP
Views: 108 Replies: 0 http://images.iheartcvs.com/ad_scans/2014/0105/cvs-010514.pdf

ad scan thnx to ihcvs


ECB DEALS
$10 ECB wyb Bayer Contour next or next EZ blood glucose monitoring system (excludes USB) $10 Limit 1 FREE

$5 ECB wyb Pedia Care cough & congestion, multi-symptom cold 4oz, fever reducer/pain reliever 2oz or 6-7 doses $5.99 Limit 1
$1/1 Pedia care www.pediacare.com/coupon.aspx
$2/1 Pedia care SEE OTHER THREAD IN DRUG

$2 ECB wyb (2) General Mills cereal 10.6-14 oz (excludes Fiber One), Nature Valley or Fiber One bars 5-12 ct. 2/$6 Limit 1
$.50/2 Nature Valley granola bars 5ct+, granola thins, soft-baked oatmeal squares or breakfast biscuits (SS 1/5)
$.50/1 Fiber One chewy bars, or 90 calorie products (SS 1/5)
$1/2 General Mills cereals (SS 1/5)
$1/1 Big G Cereal - coupons.com - zip: 77477
$1.25/1 Nature Valley granola bars 5ct or larger - coupons.com - zip 77477


$1 ECB wyb One gallon whole, fat free, skim or 2% milk (excludes flavored milk) $3.69 Limit 2 *regional*

$1 ECB wyb (2) Kellogg's Special K cereal 11-19.5 oz, bars 5-10 ct., crackers or cracker Chips 4-8 oz 2/$5 Limit 1

$10 ECB wys $30 on the items listed: Limit 1
Coke 2 liter bottle 4/$5
Coke 7.5 oz cans 8 pk. 2/$6
Coke 12 oz cans 12 pk. 3/$10
Pringles 5.64-6.75 oz $1.49
Hershey's pouches 5.6-10.5 oz 2/$6
Powerade 8 pk. or Vitaminwater 6 pk. $3.99
Deer Park natural spring water 16.9 oz 24 pk. $3.49
Cadbury or Hershey's Extra Large bar 3.5-4.5 oz 2/$3
Jolly rancher 8.1-14 oz, Kit Kat or Reese's snack size 10.5-10.78 oz 2/$5
$1/2 Pringles fat free/light cans (RP 1/5)
$1/4 Pringles full size cans (RP 1/5)

$2 ECB wyb (2) Bounty paper towels 6 pk., Charmin Basic 12 pk., Ultra Strong or Ultra Soft 9 pk. 2/$11.98 Limit 1

$5 ECB wys $15 on ANY Lysol Household cleaners (excludes clearance items) Limit 1
$.50/1 Lysol disinfectant spray 12.5oz+ (SS 1/5)
$.50/2 Lysol disinfecting wipes 35ct+ (SS 1/5)
$.50/2 Lysol toilet bowl cleaners (SS 1/5)

$10 ECB wys $20 on ANY Air Wick (excludes clearance items) Limit 1
$2/2 Air Wick candles (SS 12/15)
$1 off (1) Air Wick scented oil twin refill pack or (2) single refills (SS 12/15)
$1.50/2 Air Wick freshmatic ultra refills (SS 1/5)
$1/1 Air Wick car filters & freshens air freshener (SS 1/5)
$1/1 Air Wick freshmatic ultra starter kit excludes free item packs (SS 1/5)
$1/1 Air Wick scented oil twin refill pack or 2 single refills (SS 1/5)
$2/2 Air Wick candles (SS 1/5)

$2 ECB wyb Duracell alkaline AAA, AA 16pk., C, D 8 pk., 9-volt 4 pk. or Quantum AAA, AA 12 pk. $11.99 Limit 1
$0.50/1 Duracell Coppertop, Quantum, Ultra Photo Lithium or Specialty Batteries, (P&G 12/29/13)

$5 ECB wys $20 on the stationary products listed: Limit 1
ALL Avery Binders $3.99
ALL Caliber Home and Office Supplies (BOGO 50% OFF)
ALL 3M Post-It, Scotch Mailing Supplies or Tape (BOGO 50% OFF)
PaperMate pens, pencils, Sharpie, Expo markers, ALL Bic pens, pencils, markers or wite-out (BOGO 50% OFF)
$1/1 BIC stationery product (SS 1/5)

$3 ECB wyb (2) Tom's of Maine apdo 2.25 oz or toothpaste 4.2-5.5 oz 2/$7 Limit 1

$2 ECB wyb Edge, Skintimate or Schick shave gel 5.1-10 oz (ETS) Limit 1

$2 ECB wyb Bic disposables 3-10 ct. $6.99 Limit 1
BIC B1G1 free disposable razor ets up to $7.99 (SS 1/5)

$3 ECB wyb (2) Gillette or Venus disposables 2-12 ct. (ETS) Limit 1
$3/1 Gillette Male Disposable Razor, ets(RP 12/08/13)
$3/1 Gillette Female Disposable Razor, ets (RP 12/08/13)
Gillette Buy 2 female disposables, get 1 female disposable free ets up to $14.49 (RP 1/5)
Gillette Buy 2 male disposables, get 1 male disposable free ets up to $17.49 (RP 1/5)

$3 ECB wyb Colgate Total 1 liter or Optic White rinse 32 oz $5.99 Limit 2

$1.25 ECB wyb Colgate Total 4-4.2 oz or 360 toothbrush $2.99 Limit 2
$.50/1 Colgate toothpaste 4oz+ (SS 1/5)
$.50/1 Colgate manual toothbrush excluding plus, triple action, extra clean and classic (SS 1/5)

$5 ECB wys $10 on Crest Pro-Health, Oral-B oral care or Glide floss Single pk. Limit 2
$0.75/1 Crest rinse 458ml+ (P&G 12/29)
$.75/1 Crest toothpaste 4oz+ or liquid gel excludes cavity, baking soda and tartar control (P&G 12/29)

$5 ECB wyb (2) Dove body wash 18-24 oz, cream oil lotion 13.5 oz, Dove, Caress or Lever bar 6-8 pk. 2/$15 Limit 1
$1/1 Dove Beauty Bar 6 bar pk+ ets (RP 1/5)
$1/1 Dove Body Wash (12 oz. or larger. Excludes Dove Men+Care, ets) www.coupons.com

$4 ECB wys $12 on Suave body lotion 10-18 oz, Men shampoo+conditioner 28 oz, Keratin, Moroccan 8-12.6 oz, Kids 22.5 oz or stylers 9-11 oz 2/$6 Limit 1

$5 ECB wys $15 on ANY CoverGirl Foundation, Powder, Blush, Concealer or Eye (excludes clearance) Limit 1
$3/1 Covergirl bombshell mascara (P&G 12/29)

$5 ECB wys $15 on ANY Maybelline Cosmetics (excludes clearance items) Limit 1
$1/1 Maybelline New York Color Show Nail Lacquer, (RP 12/08/13)
$2/1 Maybelline Color Elixir or New York Lip Product, excludes babylips (RP 12/08/13 R)
$2/1 Maybelline mascara (RP 1/5)

$3 ECB wys $10 on Nuance Salma Hayek cosmetics, hair, body or facial care (excludes trial/travel sizes) Limit 1

$3 ECB wys $10 on ANY Sally Hansen Cosmetics (excludes clearance items) Limit 1

$10 ECB wys $30 on ANY L'Oreal Skin Care (excludes clearance items) Limit 1
$1/1 L'Oreal paris skincare item ets (RP 1/5)

$12 ECB wyb (2) Roc Facial Care (excludes cleansing discs and max scrub) Limit 1
$3/1 RoC anti-aging product ets (SS 1/5)

$10 ECB wyb Rogaine men's or women's 3 pk. $39.99 Limit 1
$10/1 Rogaine hair regrowth treatment product 3ct+ ets (SS 1/5)

$10 ECT wys $30 OR $20 wys $50 on these products: Limit $20
Bengay 2 oz $4.99
Visine 0.5 oz $4.99
K-Y Premium items 3 oz $19.99
Rembrandt toothpaste 2.6-3 oz $3.99
ALL Lactaid Fast Act or Tucks (BOGO 50% OFF)
ALL Johnson's or Aveeno Baby Care (BOGO 50% OFF)
Motrin 100 ct., PM 40 ct., Pepcid AC 25-30 ct. or Complete 25 ct. $8.99
Carefree pantiliners 36-60 ct., o.b tampons 40 ct. or ALL Tena (BOGO 50% OFF)
Listerine Original, Cool Mint, FreshBurst, Zero 500 ml or PocketPaks 72 ct. $1.99
Tylenol Sinus, Cold 24 ct., liquid 8 oz, Sudafed PE 24 ct. or children's liquid 4 oz $5.99
$1.50/1 Visine product 1/2floz+ (SS 1/5)
$1/1 Tylenol children's or infants product ets (SS 1/5)
$1/1 Tylenol cold or sinus product ets (SS 1/5)
$1/1 Tylenol extra or regular strength product ets (SS 1/5)
$2.50/2 Tylenol extra or regular strength, children's or infants or cold or sinus products ets (SS 1/5)
$1.50/1 Motrin adult product 40ct+ (SS 1/5)
$1/1 Motrin children's or infants product ets (SS 1/5)
$1/1 Aveeno product excluding cleansing and moisturizing bars, trial size and 2.5oz body lotion (SS 1/5)
$2/2 Aveeno products excluding cleansing and moisturizing bars, trial size and 2.5oz body lotion (SS 1/5)
$.75/1 Johnson's Baby product excludes 1-4oz and hand & face wipes (SS 1/5)
$4/1 K-Y Yours+Mine Couples Lubricant, (RP 12/08/13)
$.50/1 Carefree product ets (SS 1/5)
$5/1 Tena product (SS 1/5)

$4 ECB wyb (3) Band-Aid Brand bandages, Red Cross, Neosporin products, Benadryl or Aveeno anti-itch Limit 1
$3/3 Johnson & Johnson neosporin, neosporin essentials, band-aid, bengay, benadryl topical or red cross brand products(SS 1/5)

$3 ECB wyb (2) Mucinex listed: Limit 5
Mucinex Fast-Max 20 ct. or liquid 6 oz $11.99
Mucinex Sinus-Max 20 ct. $12.99

$10 ECB wys $20 on Excedrin 24-200 ct. Limit 1

$1 ECB wyb NyQuil, DayQuil 24 ct., liquid 12 oz, Children's 8 oz, Sinex spray 0.5 oz, VapoRub 3.53 oz or Vapo Steam 8 oz $7.49 Limit 1
$1/1 Vicks product excluding vapodrops and zzzquil (P&G 12/29)
$1/1 Day/NiQuil severe product (P&G 12/29)

$8 ECB wyb Zegerid 42 ct. $24.99 Limit 1

$1 ECB wyb (3) Nutritional bar Singles (excludes Balance, Met Rx and Pure Protein) Limit 1

$1 ECB wyb (3) Balance bar, Met-Rx or Pure Protein Singles 1.16-3.52 oz Limit 1
$2/3 MET-Rx bars (RP 1/5)
$1/2 Balance Bar singles (RP 1/5)

$4 ECB wyb Sundown Naturals Gummies 50-120 ct. $7 Limit 1
$2/1 Sundown Naturals gummies (RP 1/5)

$1 ECB wyb Boost Regular, high protein or Calorie Smart 6 pk. $6.99, Boost Plus drink 6 pk. or bars 8 pk. $7.99 Limit 1

$5 ECB wys $20 OR $10 ECB wys $30 on the items listed: Limit $10
Meta-mucil 114 doses, packets 44 ct. or capsules 120-160 ct. $13.99
Align Digestive Care probiotic 28 ct. $28.99
Pepto-Bismol 40 ct., liquid 12-16 oz or chewables 24-48 ct. $5.79
$3/1 Align (P&G 12/29)
$1/1 Metamucil (P&G 12/29)

$6 ECB wys $20 on these items: Limit 1
Aleve, Alka-Seltzer, Alka-Seltzer Plus, Bayer aspirin, Citracal, Flintstones , One A Day, Phillips', TruBiotics (BOGO 50%OFF)
$5/2 Aleve Product, 40-ct.+; Excludes D (RP 12/15/13)
$2/1 Aleve Product, 40-ct.+; Excludes D (RP 12/15/13)
$3/1 Aleve product 40ct+ excludes d cold products (SS 1/5)
$2/1 Aleve D product (SS 1/5)
$2/1 Alka-Seltzer plus cold product excluding antacid product (SS 1/5)
$4/1 Alka-Seltzer plus-d multi-symptom sinus & cold product (SS 1/5)
$5/2 Alka-Seltzer plus cold products excludes antacid products (SS 1/5)
$8/3 Alka-Seltzer plus cold products excludes antacid products (SS 1/5)
$2/1 Alka-Seltzer Plus Cold Product, Excludes antacid products (RP 12/15/13)
$1/1 Alka-Seltzer Product, Excludes Plus Cold (RP 12/15/13)
$1/1 Bayer Aspirin Product, 20ct+ (RP 12/15/13)
$1/1 Bayer product 20ct+ (SS 1/5)
$5/2 Bayer Healthcare brands; aleve or bayer 40ct+, one a day, citracal or flintstones (SS 1/5)
$2/1 Flintstones multivitamin or supplement (SS 1/5)
$1/1 Phillips Product (RP 12/15/13)
$2/1 Phillips product (SS 1/5)
$2/1 One A Day product (SS 1/5)
$2/1 One A Day Multivitamin or Trubiotics Supplement Product, (RP 12/15/13)
$1/1 TruBiotics supplement product (SS 1/5)

$5 ECB wys $15 OR $12 ECB wys $30 on the items listed: Limit $12
Slimquick or NV
Mega-T (BOGO)
Sensa QuickStart kit $49.99
TriAdalean, Relacore or Zantrex 56-84 ct. $19.99
Atkins (excludes single bars), Slimfast, Special K shake 4 pk., bars 5-6 ct. or Slimfast powder 12.8 oz 2/$10
$1/1 Atkins bar, treat or shake dnd (SS 1/5)
$1/1 Atkins frozen entree dnd (SS 1/5)
Slim Fast Buy ready-to-drink 4pk, get any product of equal or lesser value free up to $6.49 (RP 1/5)

$10 ECB wyb Alli refill pack 120 ct. $59.99, Alli starter kit 90 ct. $49.99 Limit 1
$10/1 alli 90 or 120ct (RP 1/5)

BOGO SALE
ALL CVS Vitamins
Nature Made Vitamins
$1/1 Nature Made vitamin b product (SS 1/5)
$1/1 Nature Made vitamin d product (SS 1/5)
$2/1 Nature Made adult gummies product (SS 1/5)
$2/1 Nature Made fish oil product (SS 1/5)
$2/1 Nature Made probiotic product (SS 1/5)
$2/1 Nature Made vitamelts product (SS 1/5)
$2/2 Nature Made products (SS 1/5)
$3/1 Nature Made coq10 product (SS 1/5)
ALL Mega-T
ALL Osteo-Bi-Flex, Sundown Naturals, Disney, Ester-C, Nature's Bounty or Flex-a-min (excludes Sundown gummies)
$2/1 Ester-C to go (RP 1/5)
$3/1 Ester-C tablet (RP 1/5)
$3/1 Osteo Bi-Flex 30-60ct (RP 1/5)
$5/1 Osteo Bi-Flex 70ct+ (RP 1/5)
$1/1 Disney/Marvel gummy vitamin item (RP 1/5)
$1/1 Nature's Bounty vitamin or supplement (RP 1/5)
$2/1 Nature's Bounty dual spectrum product (RP 1/5)
$2/1 Nature's Bounty optimal solutions product (RP 1/5)
$3/1 Nature's Bounty fish oil or co q-10 (RP 1/5)
$2/1 Nature's Bounty optimal solutions hair, skin & nails product (RP 1/5)
CVS alkaline batteries AAA, AA 10 pk or Advanced Power AAA, AA 4 pk.

OTHER SALES
All liquid 28-33 loads or mighty pacs 24 ct. 2/$6.99
$1/1 all product (RP 1/5)
$3/2 all products (RP 1/5)
Mars Chocolate Singles 1.08-1.92 oz $0.75
$0.75 Mars scanner coupon printing 1/5
Arizona 23-23.5 oz $0.66
Kellogg's cereal 8.7-13.7 oz or Rice Krispies Treats 8 ct. $1.99
Ajax dish liquid 14 oz $0.99
Choose a gift set from Signature Scents (50% OFF)
Stayfree pads 28-48 ct. $4.49
Stayfree pads 14-24 ct. $2.50
Stayfree B1G1 free ets up to $4.49 (SS 1/5)
Ricola drops 19-24 ct. 2/$3
$1/2 Ricola bags (RP 1/5)
Progresso Soup 18.5-19 oz 2/$3
Bumble bee chunk light tuna 5 oz $0.77
Cafe Bustelo 10 oz or Folgers coffee 10.3-11.5 oz 2/$6 or Folgers Decaf 11.3 oz 2/$8
Select Kleenex Facial tissue 2/$3
L'oreal Advanced Shampoo, Conditioner 12.6 oz or Styler 5-8.3 oz $3.99
L'Oreal Buy 1 advanced haircare shampoo, get 1 conditioner free up to $7.49 excludes 1.7oz (RP 1/5)
$2/1 L'Oreal Advanced Haircare Shampoo or Conditioner, Excludes 1.7-oz. and trial sizes (RP 12/15/13)



thnx naturemade/sd
Blood Pressure Monitor Deals
g: 0 Posted By: remick
Views: 209 Replies: 0 http://www.amazon.com/Instant-Family-Devotions-Discussions-Anywhere-ebook/dp/B0080K3SA6

4.4 out of 5 stars (9 customer reviews)

Parents want their children to grow closer to God, but may not always know the best way to facilitate that growth. Mike Nappa and Jill Wuellner take the guesswork out of family devotional time with this practical, imaginative resource. They provide a year's worth of engaging, transforming, and easy-to-lead Bible discussion guides for parents and children. Combining biblical depth with entertaining and educationally sound teaching techniques, this book will both challenge and inspire families toward lasting spiritual growth.

All 52 studies require zero pre-session preparation and can be used in a variety of settings and times--around the dinner table, during family-night activities, or just before bedtime. They are also perfect for impromptu lessons in Sunday school classes and elementary-aged youth groups.
Books Deals

Amazon Coupons
American Express credit limit
Added on : Friday December 27th 2013 05:00:12 AM
g: 0 Posted By: CheapFish
Views: 33 Replies: 1 AmEx sent me an email the other day and said they'd like to increase my credit limit, and a bunch of blah-blah about good customer...

I'm not sure of my exact credit score, but I don't carry balances and have a few cards with zero balances. Should I let them raise it or leave it alone? I never get close to my max on any card I have. I guess it would increase my utilization? Please advise?
Credit Deals
Anyone here SELL credit card processing for merchants? Career change.
Added on : Thursday December 26th 2013 05:00:14 PM
g: 0 Posted By: FWpep
Views: 100 Replies: 0 Hello,

I am wondering if any other fellow FW folks sell or have sold credit card processing for merchants and if so, could you please provide any insight based on your experiences?

I am strongly considering this change as my present job is slated to end in early 2014. I am currently in sales and have no problems cold calling.

I am prepared (mentally and financially) to work for 6-months to a year knowing that the pay will be very low to zero initially until the business is built up some.

I am not sure if FW allows you to share recommendations on names of merchant processing companies I might consider. If not, I'd appreciate any feedback you could provide via private message.

I am particularly curious about the following:

1). is it better to go with a large processor or smaller processor for potentially better servicing of the client (chargebacks, etc...)

2) is cost pricing (and flexibility for sales person to set pricing) better with a large or smaller processor -or- is cost pricing typically the same across the board.

3) is their a better processor specifically for internet based merchants with high volume of internet sales.

4. can merchant processor companies (i.e. Chase, Wells, Leaders, etc...) compete with the likes of Costco Merchant Services and Paypal high volume programs? (specifically in the area of merchant's internet transactions).

I would appreciate any feedback, or external resources any fellow FW can share. Thank you!


Question Deals
Samsung LCD TV 60PN5000 $648 YMVM @ Walmart
Added on : Thursday December 26th 2013 04:00:06 PM
g: 0 Posted By: Pizzero
Views: 386 Replies: 2 I found this tv at WalMart for $648 the model its 60PN5000
May have the same price at your stores.
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Walmart Coupons
g: 0 Posted By: ArtieLange
Views: 205 Replies: 0 http://www.amazon.com/Cadaco-62253-Syl-la-bles/dp/B001B07TJI/

Product Description

From the Manufacturer Syl-la-bles is a game for all ages. The object of the game is to come up with the longest and most difficult correctly spelled words that begin with the letter on the spaces you land on. The longer the words, the more points you score. The difficulty of the words is up to each individual playing the game. Each letter has a point value and each syllable is worth 50 points. Do you risk misspelling a difficult word and scoring zero points, or do you spell and easy word to ensure you score some points? Land on the space marked Thesaurus and the player must give another word with the same meaning for the word on the top of the card. Match a word on the back and you've just earned 500 Points. Correctly spell the word on the Spelling Bee card and earn another 500 Points. First person to achieve the set amount of points decided by the players before the game starts is the winner. Educational and fun, Syl-la-bles is the game for all ages that encourages you to think big.


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g: 0 Posted By: itsausername
Views: 139 Replies: 0 In the wake of yet another instance of widespread data compromise for the purposes of financial fraud, I thought we should have a discussion of information security as viewed mainly from a financial perspective. While in the case of the Target_ compromise, there may be little that we can personally do to avoid a repeat, the more routine sorts of fraud are more readily influenced by individual behavior.

None of this is particularly new as I expect that it has been repeatedly discussed over time in disparate threads of this board. I would like a more concentrated form of that to be established here.

Financial security is often compromised by our own activities and careless guarding of related details. Not all of this is even under our direct control, but being circumspect about what we can protect is crucial_.

If someone has targeted you for theft, be it digital or otherwise, it is likely you will be compromised to some extent. Over the years, many of our personal details become widely distributed. Further, information aggregation business are out there, simplifying research done by others, including unscrupulous parties.

Most of what I'm concerned about herein is the prevention of casual/incidental abuses that stem from our personal lapses in privacy/security.

Has all this worked for me? Yes and no. Over the years, I've had the occasionally fraudulent CC charge appear and have always been able to get it expunged, sometimes also replacing the related card. So far so good, but the less of it the better.

Also, I don't do all of these things. This is time consuming and somewhat endless due to the moving target_ that is the information age. Securing things often means much less convenience will follow; it is a balance to be sure. Yet I do much of the below and am interested in seeing what others do in addition to this and/or how the FWF community adapts them to their own situations.

The better content should be placed in the quick summary along with proper credits to their posters since reading a long thread (if this becomes that) is not something a lot of casual readers will be inclined to do.

What follows is my personal list, many aspects of which are 'obvious' or will surely not suit others here. It is also far from comprehensive but provides a discussion starting point. To each his own, of course:
:
Online accounts

userid/password/security keys
- Randomize them all, make them strong! After that, you'll probably need to look them up with each usage or trust an account management program. Backups will become crucial_.
- Avoid use of the same entries across multiple sites.
- Verification questions need not have relevant answers. E.g.: What was your first pet's name? "^BxaAp43O", sure seems like a mouthful, but it's more secure than 'Spot'.
- Secondary security elements may be simple/weak as long as they are encapsulated by a strong initial layer which itself cannot be bypassed. I'll leave the 'connecting of dots' to the reader, but the next topic is one encapsulation method I like.

Encryption

Use TrueCrypt; learn how to apply it. Protect all media containing financial information. Specifically, I suggest usage of device level encryption. If not TC, use what you like, but encrypt that financial data! I personally question the strength of Microsoft Office's (and other application suites) built in file encryption/password protection, but something is better than nothing. Do it. Do it now.
Selectively encrypting your email is nice too, but should be rarely need and often means educating recipients which can be royally painful. As an alternative, call or visit the other party if it is necessary to convey sensitive information. Never plain text email account credentials to anyone. Use your online account's 'secure email' option when communicating with your financial institutions.

Digital backup

Use the 'cloud' to store strongly encrypted backups and keep them current. Such could even be posted to Usenet. Trust in your encryption, not the service provider.
Store copies on solid state media like USB sticks. I've had sticks go through the laundry and survive unscathed, but all things fail so treat accordingly.
- Off-site a routinely refreshed copy, e.g. work/home exchange of a pair of encrypted sticks.

Physical records

Shred them before you throw them out: bills, application forms, courtesy checks, statements, etc.
- Storage should not be on the kitchen counter for any persons to see/browse/appropriate; keep them under lock and key and destroy when no longer useful.
- Consider elimination of billing statements via auto pay methods.
Alter the CVV codes on the back of your physical cards. Adopt a secret method of alteration and write the new number in place of the original. Writing an altered form of that often forgotten or rarely used ATM/Debit card PIN on the card itself becomes relatively safe to do as well. While I'm on the topic, don't sign your CCs, it often causes cashiers to check for photo ID. A thief can sign it of course, but it would provide more evidence that you did not authorize the usage in the event of a signature verification.

Email

Limit what details are routinely sent to your email account by bill payment systems.
- Providers, among others, all along the delivery chain are known to do 'market research' via scans of your email content; this is *not* encrypted. Consider what you receive/send by email as equivalent to having been posted on a public bulletin board.

Swipes

Inspect publicly accessible readers (e.g. pumps, ATMs) for skimming paraphernalia. The 'good stuff' may be hard to spot, but observation over time at the same device can help you recognize 'normal' and give pause when something has changed.

Online CC

When available, use the virtual account number features of your CC provider.
- Setting a preauthorize transaction limit and near-term expiration can prevent all sorts of unauthorized tomfoolery.
Avoid saving/registering payment details such as card numbers with each vendor.

Other access restriction*

Disable the cash advance feature of your CC if you don't intend to use it. A call to the issuing bank or online secure email may be all it takes to set this limit to $0. Bonus to doing this is that charges which are not known to be cash advances at the time of the attempt will be declined, avoiding the related advance fee which is often quite substantial.
Disable the debit card functionality of ATM cards if you don't need it. Many ATM debit cards have VISA/MC logos and can be used in credit mode instead. Loosing possession of your card while it has debit enable features can lead to the quick zeroing of your associated account balance.

* It has been my experience that some banks will refuse to do either of the above. So much for consumer focus.

Aggregators

Find them and request that your records be excluded from searches. I leave it to the community to indicated which providers to pursue for this and give related (if any) links/instructions. I'm lazy like that. This would be good content for the quick summary.
Wallet services - one stop shops are run by someone, probably many someone's, all with administrative rights to your account details. How much trust are you willing to seed in them?

Monitoring

Credit/account monitoring services let you know when there is suspicious activity and/or new credit inquiries going on. They can help resolve issues too. I'm personally on the fence regarding these and generally not willing pay for the benefit. They are yet another aggregator like group, but ostensibly 'on your side'.
Some people go as far as placing a security freeze on their accounts for each of the big three credit reporting companies. I've heard third hand that it may require some type of adverse action before it is permitted. Experian's Description

RFID enabled devices/documents

For example, gas pump dongles. Maybe this is more a matter of paranoia, but be aware that it's always 'on' and can be scanned without your knowledge. Not only gas pumps do this.
These chips can be intentionally burnt out or masked if you're sufficiently concerned. I might like to do that to a passport, but doing so may substantially slow usage at the border.

Miscellanea

When all else fails, cash is king?


Let the constructive criticism barrage begin...


General questions for the community:

Which privacy/security practices are of the highest value in return for their corresponding effort to maintain?
How should incapacitation/death be handled, when another trusted party needs to know?


PS: I realize that this discussion scope is in danger of being far too broad already, so though it seems a logical follow up question, I suggest we avoid the 'what do I do now that I have been compromised?' tangents, focusing instead on prevention versus remediation.
Discussion Deals
Kohls and Kohls.com Early Birds are available online
Added on : Wednesday December 25th 2013 01:00:05 AM
g: 0 Posted By: DaysFan
Views: 189 Replies: 1 linked

http://www.kohls.com/

SONOMA life + style Suede Tall Boots - WomenSale $35.97Original $89.99SONOMA life + style Notch Collar Fleece Pajama SetSale $14.99Original $40.00Croft & Barrow Plaid Flannel Lounge Pants - MenSale $7.20Original $24.00
Slumber Rest Fleece Electric ThrowSale $39.99Original $99.99
Chaps Tall Riding Boots - WomenSale $43.97Original $109.99
Apt. 9 Solid Cashmere CardiganSale $33.99Original $125.00Levi's Midrise Skinny JeansSale $29.99Original $54.00
SONOMA life + style Waffle-Knit Pajama Gift SetSale $14.99Original $40.00Vintage Leather Split Napa Leather Jacket - MenSale $79.99Original $250.0010k White Gold 1/2-ct. T.W. Diamond Stud EarringsSale $240.00Regular $600.00Totes Claudia Winter Boots - WomenSale $47.99Original $79.99Croft & Barrow Cable-Knit SweaterSale $13.99Original $36.00SO 3-pc. Knit Fleece Pajama Set - JuniorsSale $14.99Original $40.00Croft & Barrow Easy-Care Classic-Fit Flat-Front PantsSale $19.99Regular $45.00SONOMA life + style Micromink & Sherpa Reversible ThrowSale $17.99Original $44.99Apt. 9 Argyle Cashmere CardiganSale $33.99Original $125.00SO Midcalf Suede Boots - WomenSale $30.99Original $79.99Croft & Barrow sole (sense)ability Tall Riding Boots - WomenSale $34.97Original $89.99SONOMA life + style Luxury Down-Alternative Reversible ThrowSale $17.99Original $59.99Croft & Barrow sole (sense)ability Tall Boots - WomenSale $39.97Original $99.99Croft & Barrow Easy-Care Interlock TurtleneckSale $9.99Towne by London Fog Car Coat - MenSale $79.99Original $250.00Croft & Barrow Flat-Front Corduroy PantsSale $24.99Regular $60.00SONOMA life + style Solid Thermal HoodieSale $16.99Original $44.00Superman Light-Up Winter Boots - Toddler BoysSale $26.99Original $44.99SONOMA life + style Tall Boots - WomenSale $33.97Original $84.99Sterling Silver 1/10-ct. T.W. Diamond Hoop EarringsSale $32.93Original $100.00Home Classics Fleece ThrowSale $4.99Original $13.99The Big One 1 1/2-in. Memory Foam Mattress TopperSale $39.99 - $54.99Regular $79.99 - $109.99Croft & Barrow Classic-Fit Point-Collar Dress Shirt with Striped Tie Box Set - MenSale $23.99Original $50.00Apres by LAMO Shearling Midcalf Boots - WomenSale $29.99Original $67.99Candie's Tall Slouch Boots - WomenSale $30.99Original $79.99Levi's 514 Straight Pants - MenSale $39.99Regular $58.00Slumber Rest Microplush Electric ThrowSale $47.99Original $119.99Tek Gear Performance Fleece Hoodie - MenSale $19.99Original $45.00SONOMA life + style Chevron Chenille ThrowSale $17.99Original $49.99ZeroXposur Solid Midweight Jacket - Girls 7-16Sale $53.99Original $135.00Croft & Barrow Classic-Fit Flat-Front Poplin PantsSale $9.99Original $45.00SONOMA life + style Puffer Vest - MenSale $24.99Original $70.00Apt. 9 Textured Wool-Blend CardiganSale $25.60Original $64.00Croft & Barrow Seasonal Microfleece Lounge Pants - MenSale $7.20Original $24.00ZeroXposur SOLAR Colorblock Jacket - MenSale $59.99Original $120.00



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Kohl's Coupons
Valve Complete Pack - $20 AC - Green Man Gaming - coupon exp Jan 6
Added on : Tuesday December 24th 2013 05:00:07 PM
g: 0 Posted By: Hoogineer
Views: 113 Replies: 0 GMG Link

Regularly $100. 75% off makes it $25. Use voucher code[l=GMG20-ZB5D1-93X49]http://mtrace.greenmangaming.com/u/nrd.php?p=MymaYz5f3T_426758_296197_958_481[/l](exp Jan 6, 2014) to take off an additional 25%.

Currently $50 on Steam. Might go 75% off during the Winter Sale. Maybe 80% (which would be the same price), but who knows.

This pack contains:

Counter-Strike
Team Fortress Classic
Day of Defeat
Deathmatch Classic
Half-Life: Opposing Force
Ricochet
Half-Life
Counter-Strike: Condition Zero
Half-Life: Blue Shift
Half-Life 2
Counter-Strike: Source
Half-Life: Source
Day of Defeat: Source
Half-Life 2: Deathmatch
Half-Life 2: Lost Coast
Half-Life 2: Episode One
Half-Life Deathmatch: Source
Left 4 Dead
Half-Life 2: Episode Two
Team Fortress 2
Portal
Left 4 Dead 2
Portal 2
Counter-Strike: Global Offensive

Video Games Deals
Dorco razor blades $60 worth for $30 (same as Dollar Shave Club.com)
Added on : Tuesday December 24th 2013 11:00:03 AM
g: 3 Posted By: mazeroth
Views: 268 Replies: 2 I got invited to try dollar shave club and received one of their 6 blade razors with 4 cartridges for free. I've been using a Mach3 for a very long time and have tried every other cheap razor out there. When I tried this 6 blade I was shocked! It shaves BETTER than my Mach3 and I get at least 2x the shaves out of it before I have to toss it.

Well, being the FW guy I am, I Googled to see where DSC gets their razors...and I found a little site called dorcousa.com (yes, that's the name). They offer the same razors and blades that DSC does, only a lot cheaper. I ordered the 6-pack of 4 blades for $31.87 ($1.33 each) with free shipping on orders over $25. If you stay with DSC you end up paying $2.25/blade. I should note the refill blades I purchased are a tad bit different than DSC in that they don't have the extra trimmer edge that I didn't use so I opted for the ones that are about $3 less per 24 pack. The others are $34.42, or $1.43 each, still $0.82 cheaper per blade than DSC.

Now, here's where the FW deal comes in. I got an e-mail from dorcousa that gives you $30 off any $60+ purchase AND free shipping. It expires tomorrow, Christmas day. I picked up 48 additional blades just now for $33.74, or $0.70 per blade!

The coupon code is: Shavemas13

Note, you will need to purchase a handle for these. They have handles with 2 blades or you can get a kit. Do some research and find what works best to get you to $60 of spending so that you can apply the $30 discount. Also, a friend of mine tried the cheaper, 4-blade razor from DSC and said it wasn't very good. This 6-blade is where it's at.

Here are the blades I've been using that I love: http://www.dorcousa.com/sxa1040-6-pack-6-blade-system-for-men-ca...

Merry Christmas!
Beauty Deals
Urban Decay Shattered Face Case - $22 at Ulta
Added on : Monday December 23rd 2013 03:00:13 PM
g: 0 Posted By: heyyl0w
Views: 246 Replies: 0 Ulta has the Urban Decay Shattered Face Case for $22.00. Item is usually $44. Discount will show in cart.

Features:

Exclusive Eyeshadow Shades: Nameless (medium gray-brown satin), Remix (rich purple shimmer with tonal micro-glitter), Shakedown (rich brown-gunmetal satin), Minor Sin (champagne-pink satin) and Bleach (yellow-beige matte).
Blush: Overexposed (dusty rose) and Temper (soft baby pink).
Highlighter: Glint (soft pink-champagne shimmer).
Lip Color: Lovechild (cool pink cream).
Eye Pencil: Zero (zealous black cream).

Beauty Deals

ULTA Coupons
g: 0 Posted By: Nov032007
Views: 79 Replies: 0 http://www.mycokerewards.com/

Spend em if you got em




Services Deals
Hypothetically speaking, need tax advice
Added on : Friday December 20th 2013 07:00:08 PM
g: 0 Posted By: chrislk1986
Views: 117 Replies: 2 If our household was expecting to bring in about $41-$44K this year, then during the last two weeks was informed they would be recieving $40,000 in additional income (but no date is given). If additional income is received in 2013, will there be any way to reduce taxes? What is the going tax rate on $84k?

Married, filing jointly. 2 Kids. Don't own a home. Zero debt/no loans...

If the money is received in 2014, I already have a plan.

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

Im Russian-American, naturalized citizen, speak Russian at home. Wasone of 12IT technicians,the rest of the guys are Americans.In July Ive complained to our new CIO (ex-military from Cold War time, chief warrant officer, served 12 years) about porn and violent behavior of one of the company owners (700 people law firm with large internal IT; I dont care about porn, have seen tons of it at work, but in that case a senior partner was just driving me crazy pointing on his desktop XXX files, screaming and beating the desk why, why they keep getting rearranged!!!). Anyway, I email and tell CIO, he investigates, tells me that Im right, did a good thing to complain and that he told the guy to behave properly and to remove porn. He asked me if Ive told anybody else. I tell him 2 names of IT folks (another tech and our senior tech). Next day Im told not to work on that PC, it is too much for you to handle, then me and 2 guys Ive told about porn get Final warning to improve work performance" within 120 days (bogus reasons, never had any warnings, CIO has put some crap in it Ive never did, like reinstalling programs trying to fix them, bad customer service not a single example , did the same to the other guys). Im probably the best tech of the firm at that time tons of positive feedback from users, everybody likes me, no kidding here that idiot with porn was the only issue Ive had for 8 years . I ask CIO WTF, he points on his army medals on the wall and tells me that he wants me to succeed, that he has trained hundreds of folks in the military and will do it to me. OK, shit happens, whatever.
I work like never before (Alabama, single income with a wife a 3 yo, scared to lose my job), run around pleasing everybody, positive feedback skyrockets to the point senior partners call CIO and email the whole firm saying how good Im.
One day had to work on printer of the secretary of the guy who had porn (Ive complained about), went to his PC to print and saw all the porn still there. Whatever.Sometime in August Ive emailed HR about new gun law in Alabama (do they need a copy of concealed carry or not if we keep it in cars in closed container), never ever said that I have a pistol in my car just asked what their policy is. 2 weeks later CIO comes to department and says in front of other folks that he will be the first one I will shoot in the office one day. No kidding. WTF I say. Why? Russians have serious weapons in their possession. Dung, OK, whatever.In September I bring him his new phone and he asks me how Im doing. Working like crazy, pleasing everybody. Yeah, he replies, I get emails about you every day. But you know what, it is not about customer service, it is about tech skills. OK, whatever.In October an attorney Ive upgraded with Windows 7 months ago (finally, he was on broken XP and didnt want to move), calls CIO and screams on him because his PC drives him crazy and he never wanted Windows 7. Attorney is a patent guy, often mad, but actually a very nice person did that crap many times, but never so loud I get a call for him, run, he says that all is good, he called CIO to bitch for no reason, Helpdesk was slow to unlock a document, he is sorry. OK, whatever.
I email my manager (new guy who doesnt know the attorney) that attorney is always like that, he is frustrated with his patenting crap, gets mad often, but it goes away quickly. Say I will deal with it.
Next day talk to that patent attorney again. He says my CIO is sending bad emails about me, he is so sorry, can talk to CIO to tell him that it is not my fault and not to use it against me. WTF?Later on that day I work on IT committee leader PC (CIOs boss). Outlook issues nobody can fix, told by Microsoft girl to check his emails blah-blah-blah see my email first thing. CIO forwarded it to CEO, IT Board guy etc that basically Im an idiot cant write emails properly, dont have skills, frustrate users. Dont see a single email about anybody else, only about me. I say WTF, it is too much.10/4/13 I go to CEO and tell the Man that CIO is hostile towards me without any reason. Sends emails with lies about me, gives bogus final warnings, says he gets tons of emails from happy users but still I dont have freaking skills, our system shows I have tons of positive feedback, said in front of all that I will kill him first one day.
CEO listens and says that the only resolution he sees is for me to talk to CIO like man to man. He says he sees cultural differences, he will arrange meeting. He says CIO is like that because he (CEO) is giving him hard time. Crap, whatever.10/8/13 I print that email for meeting. Microsoft girl is there - a witness from HR CIO says. Cant talk like man to man, CIO refuses to talk until I tell him how I found about the email. An attorney told me about it. No, I called everybody Ive emailed it to, they didnt tell you. Did you see it on a computer while you were working on it? Sure thing I did. I printed it for you. He is happy, tells me he sent it because there were 6 follow up after upgrade, nobody else has so many, I dont have skills, most of the positive feedback I have is solicited blah-blah-blah. Tells me to go and check tickets. I tell him that everybody except him likes me, how the hell I can solicit 100+ feedback from users when some of them I barely know, that I cant sleep and eat because of all his lies and I just dont understand why he is throwing me under the bus like a dog. I was a little bit loud and was crying, yes, but I didnt call him names or anything of that sort. Like I said Microsoft girl was there all the time.10/9/13 I check the tickets of the patent guy. 6 calls, none is my problem. Web site didnt work, Java didnt run, document was locked crap like that. Talk to managers (nice people, were always saying Im their best tech) they also say there was nothing wrong I did. I put everything into I nice email and email CIO the results. hey, sorry blah-blah-blah, here are the results, nothing wrong I did, Sir.
2 hours later Im called to HR, CIO smiles to me and CEO tells me to be terminated or to resign. It is bad to print emails without permission and we just cant work together with CIO. If resign, they will keep me on payroll for another 3 weeks and I will be with the Firm, but dont need to come to work. Whatever, screw them, I resign.
No threats, no firearms on me or in my car, no violence, never had a single complaint of that sort, never arrested, didnt have a freaking traffic ticket. They bring my things from IT and an armed security takes me to my car with a facility manager. Always in a case like that it is just a manager, but for me they arranged an armed security. For 8 years I have never seen an armed security in our building, nobody else did, Ive checked later on. We go to the car, security is holding his hand on his handgun, and the whole freaking firm (10 floors) stares through the windows to see what is going on before I drive away. Im not kidding, it was the most humiliating thing I ever had in my life. 8 years over there, zero complaints, and they called a freaking guy with a revolver.
Ive got 45 very nice feedbacks on LinkedIn after Ive left, including from company owners (freaking CIO himself only has got 10 in his life). People I still talk to say they were in shock to see what has happened.
Ive send a letter to HR 2 weeks ago about CIO (mentioned porn and him saying I will start killing people one day, asked to investigate), CEO called me and said that they will investigate it internally since Im no longer with the Firm, and they will not inform me on the results. They cant hire me back because CIO manages IT and it is his decision blah-blah-blah.
Called an attorney I found in yellow book for a free consultation, but he said he doesnt deal with voluntary resignations and advised to contact Equal employment opportunity commission. Thats basically my story.
Thank you all for reading it
Question Deals
g: 0 Posted By: jehjeh
Views: 101 Replies: 0 Cheaper than anywhere else I was able to find.

https://www.armsunlimited.com/SureFire-T1A-Titan-Variable-Output...

DescriptionThe ultra compact SureFire T1A Titan flashlight boasts an impressive 90 lumen output from a single 123A lithium battery, but it also offers a near infinite range of lower output settings which allow you to conserve battery power or preserve your night vision when doing close work like map reading. A virtually indestructible power-regulated LED emitter and precision micro-textured reflector produce a smooth beam that's selectable, with just a twist of the bezel, from zero to 80 lumens more than three times the output of a much larger two-D-cell flashlight. The stylish T1A Titan is small enough to attach to your keychain, wear around your neck on its included lanyard, or stay in your pocket for easy access.

Roku 2 XD 29.99 After $10 Coupon Discount @ Radio Shack YMMV
Added on : Wednesday December 18th 2013 03:00:10 PM
g: 0 Posted By: Pizzero
Views: 594 Replies: 9 I just picked one up in Arlington TX. Brand New great price for be my first Roku

its 39.99 plus $10 discount = $29.99 but YMMV


Electronics Deals

Roku Coupons
Roku 2 XD 29.99 After $10 Coupon @ Radio Shack YMMV
Added on : Wednesday December 18th 2013 02:00:02 PM
g: 0 Posted By: Pizzero
Views: 0 Replies: 0 I just picked one up in Arlington TX. Brand New 1 year service great price for be my first Roku

its 39.99 plus $10 discount + $29.99 but YMMV

Free Kindle Book- New-Vehicle Showroom 2014
Added on : Wednesday December 18th 2013 02:00:04 AM
g: 0 Posted By: remick
Views: 28 Replies: 0 http://www.amazon.com/New-Vehicle-Showroom-2014-Jeff-Melnychuk-ebook/dp/B00HAPMQ4G

For nearly 20 years, Wheelbase Media has been providing this body of work for more than 250 U.S. newspapers to use as the backbone of their fall new-vehicle guides. This year marks the first that Wheelbase will offer its full uncut version as a consumer product, free of any advertising (that's right, zero ads) to Kindle readers. The average writeup per vehicle, including general U.S. stats, is about 500 words. With a photo of each of the 250 vehicles covered (excluding exotic brands such as Ferrari, Lamborghini, etc.), 'New-vehicle showroom 2014' stretches over a whopping 498 pages with a brand index at the front to aid navigation. If you want Toyota, just tap 'Toyota' and you're off. Written for the non-gearhead, you'll find plain-speak about new models and the key changes to your favorites for the 2014 model. So, fire up the coffee pot, download and enyoy! - Editor
Totally Free Deals
New Brokerage with zero commission, where's the catch?
Added on : Monday December 16th 2013 07:00:08 PM
g: 0 Posted By: noelandres
Views: 40 Replies: 0 I just came across this:

https://www.robinhood.io/

They have to make money someway right? Maybe your order gets a worse fill price? Let's see what the FW trading gurus have to say about it.
Discussion Deals
g: 3 Posted By: ArtieLange
Views: 622 Replies: 3 Product Details:Ratchet and Clank are back! The beloved duo return with an original single-player epilogue to the acclaimed Ratchet & Clank Future: Tools of Destruction and Ratchet & Clank Future: A Crack in Time. Ratchet & Clank: Into the Nexus is a story-driven platform adventure with humor and heart, featuring outrageously upgraded weapons, extreme planet hopping and brand new worlds begging to be explored. Into the Nexus marks a true return to form for the acclaimed series.After one of the most infamous manhunts in galactic history results in the capture of Vendra Prog, Ratchet and Clank offer to escort the dangerous criminal to the Vartax Detention Center. After a daring orbital jailbreak at the forgotten edge of the galaxy, Ratchet and Clank find themselves lost in an abandoned sector. There, in deepest space, they uncover an inter-dimensional event that threatens the universe - and forces Ratchet to decide what's really important.

Features:

A return to the Future - Series protagonists, Ratchet and Clank, return along with Captain Qwark, Talwyn, Cronk and Zephyr in a brand-new, story-driven single-player adventure.
Even more crazy weapons and gadgets for your arsenal - Arm yourself with a variety of exotic new weapons and gadgets, including the Winterizer and Nether Blades.
Clank strikes back - All-new gameplay offers inter-dimensional challenges where Clank can alter gravity, manipulate objects and solve mind-bending platforming puzzles.
Discover new worlds... and the dangers of space - Traverse through the zero-gravity of space and explore a mysterious sector filled with new planets to explore along with hidden dangers and dark secrets yet to be uncovered.

http://www.gamestop.com/ps3/games/ratchet-clank-into-the-nexus/110575


PS3 Games Deals

GameStop Coupons
g: 2 Posted By: ArtieLange
Views: 189 Replies: 1 Product Details:Ratchet and Clank are back! The beloved duo return with an original single-player epilogue to the acclaimed Ratchet & Clank Future: Tools of Destruction and Ratchet & Clank Future: A Crack in Time. Ratchet & Clank: Into the Nexus is a story-driven platform adventure with humor and heart, featuring outrageously upgraded weapons, extreme planet hopping and brand new worlds begging to be explored. Into the Nexus marks a true return to form for the acclaimed series.After one of the most infamous manhunts in galactic history results in the capture of Vendra Prog, Ratchet and Clank offer to escort the dangerous criminal to the Vartax Detention Center. After a daring orbital jailbreak at the forgotten edge of the galaxy, Ratchet and Clank find themselves lost in an abandoned sector. There, in deepest space, they uncover an inter-dimensional event that threatens the universe - and forces Ratchet to decide what's really important.

Features:

A return to the Future - Series protagonists, Ratchet and Clank, return along with Captain Qwark, Talwyn, Cronk and Zephyr in a brand-new, story-driven single-player adventure.
Even more crazy weapons and gadgets for your arsenal - Arm yourself with a variety of exotic new weapons and gadgets, including the Winterizer and Nether Blades.
Clank strikes back - All-new gameplay offers inter-dimensional challenges where Clank can alter gravity, manipulate objects and solve mind-bending platforming puzzles.
Discover new worlds... and the dangers of space - Traverse through the zero-gravity of space and explore a mysterious sector filled with new planets to explore along with hidden dangers and dark secrets yet to be uncovered.

http://www.gamestop.com/ps3/games/ratchet-clank-into-the-nexus/110575
PS3 Games Deals

GameStop Coupons
Ratchet & Clank: Into the Nexus Gamestop $19.99 New
Added on : Sunday December 15th 2013 05:00:03 AM
g: 0 Posted By: ArtieLange
Views: 37 Replies: 0 Product Details:Ratchet and Clank are back! The beloved duo return with an original single-player epilogue to the acclaimed Ratchet & Clank Future: Tools of Destruction and Ratchet & Clank Future: A Crack in Time. Ratchet & Clank: Into the Nexus is a story-driven platform adventure with humor and heart, featuring outrageously upgraded weapons, extreme planet hopping and brand new worlds begging to be explored. Into the Nexus marks a true return to form for the acclaimed series.After one of the most infamous manhunts in galactic history results in the capture of Vendra Prog, Ratchet and Clank offer to escort the dangerous criminal to the Vartax Detention Center. After a daring orbital jailbreak at the forgotten edge of the galaxy, Ratchet and Clank find themselves lost in an abandoned sector. There, in deepest space, they uncover an inter-dimensional event that threatens the universe - and forces Ratchet to decide what's really important.

Features:

A return to the Future - Series protagonists, Ratchet and Clank, return along with Captain Qwark, Talwyn, Cronk and Zephyr in a brand-new, story-driven single-player adventure.
Even more crazy weapons and gadgets for your arsenal - Arm yourself with a variety of exotic new weapons and gadgets, including the Winterizer and Nether Blades.
Clank strikes back - All-new gameplay offers inter-dimensional challenges where Clank can alter gravity, manipulate objects and solve mind-bending platforming puzzles.
Discover new worlds... and the dangers of space - Traverse through the zero-gravity of space and explore a mysterious sector filled with new planets to explore along with hidden dangers and dark secrets yet to be uncovered.

http://www.gamestop.com/ps3/games/ratchet-clank-into-the-nexus/110575
Should I Invest? (question for people w/ home renovation experience)
Added on : Saturday December 14th 2013 07:00:05 PM
g: 0 Posted By: mrobm
Views: 128 Replies: 3 So I had a colleague approach me about a business he's starting and I need some advice before investing anything in it. In reality, he only needs a pretty paltry amount (even if I got zero return, it wouldn't even come close to breaking the bank), but I still want to see if people with more experience in the home renovations/house flipping industry than I have think it meets a legitimate need. The in-person validation I've done has definitely been slanted in one direction, and I'm curious if people here will agree.

First, for those of you who have done considerable room/home renovations, particularly on an investment home or some other semi-professional endeavor, how much of a pain is it to go around and get all of the right supplies from the various sources throughout the project? Is it a huge time investment to plan out and purchase everything you need throughout the project?Was staying within your intended budget difficult throughout the project?

Second (the most important part), would itbe useful to be able to go to a website and see completed rooms (with all the paint, colors, fixtures, tiles, flooring, appliances, etc. all matching and looking good together)that you could select and have all the materials you need to recreate the room shipped right to your door? The price for the room would not be any higher than you would pay purchasing each item individually. (just to give it a quantifiable amount, please rate it 1-10)

Thanks! I appreciate you sharing your expertise!
Investing Deals
sold company, received common stock and share price goes down?
Added on : Friday December 13th 2013 01:00:16 PM
g: 0 Posted By: vinouspleasure
Views: 169 Replies: 4 Hi,

I'm pondering this scenario, the numbers below are not real but are illustrative of a potential future scenario:

I'm offered $500k cash + $500k worth of listed stock for my company but I can't sell the stock for a couple of years:
- do I pay taxes on $1mm now? If so, let's call that $500k in taxes, so after tax, I'm at zero cash.
- let's say the stock loses half it's value after two years and I sell the stock for $250k.
- I have a long-term cap loss of $250k and I overpaid my taxes by $250k.
- Is there anyway to write off my loss at a rate greater than $3k per year? Is there any way for me to recover my $250k of taxes?
- If not, it looks like I sold the company for $1mm and walked away with $250k.

Investing Deals
$0 one-way flights to New York from FLORIDA @ Jet Blue
Added on : Tuesday December 10th 2013 01:00:05 PM
g: -2 Posted By: fatbujy
Views: 96 Replies: 1 $0* one-way flights to New York from FLORIDA @ jet blue
Book by 12/11/2013 and fly between 12/17/13 - 12/25/13 after 4 PM. Read details.

zero NY




Flight Deals Deals

JetBlue Coupons
g: 0 Posted By: Solipsist
Views: 254 Replies: 1 Monoprice MPLE27QADV 27" 2560x1440 IPS-ZERO-G Slim Monitor + $42.89 Rakuten Super Points @ Rakuten.com Shopping (formerly Buy.com) - $329.99
Free Shipping

Coupons
GIFT4U - 13% back in Rakuten Super Points  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Monitors Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
g: 3 Posted By: CandyCane
Views: 412 Replies: 5 Neiman Marcus: Ralph Lauren Greenwich Bath Towels $9.60 w/ Free Rush Shipping & Gift Wrap.

Use Code NMRUSH for rush shipping and complimentary gift wrapping.

Ralph Lauren TowelsGreenwich TowelsThis technologically advanced towel, woven of specially engineered yarn for air creation, provides the feel of a zero-twist towel without the harshness that eventually comes from aging and numerous washings.

Woven of specially engineered air-rich cotton for excellent absorbency and a superior loft for an amazingly soft feel.
Machine wash.
Towel becomes even fluffier after each machine wash.
Virtually lint-free.
Bath towel, 30" x 56".
Body sheet, 35" x 66".
Hand towel, 16" x 30".
Face cloth (not available personalized), 13"Sq.
From Lauren Ralph Lauren.
Imported.

You will be able to specify personalization details after adding item(s) to your shopping cart. Please order carefully. Orders for personalized items cannot be canceled, and personalized items cannot be returned.The Suggested Retail Price is the price recommended by the manufacturer. It is neither our present nor our former selling price.

About Lauren Ralph Lauren:
What began almost four decades ago with a collection of ties has grown into an entire world redefining American style. Polo Ralph Lauren is a leader in the design, marketing, and distribution of premium lifestyle products in four categories: apparel, home, accessories, and fragrances. For more than 35 years, Polo's reputation and distinctive image have been consistently developed across an expanding number of products, brands, and international markets. The iconic American designer Ralph Lauren translated his classically preppy aesthetic into home decor with the introduction of Lauren Ralph Lauren. The collection features luxurious linens, furnishings, and decorative accessories with fine attention to detail and timeless patterns.
Home & Garden Deals
TARGET - Free 20 oz Coke w/40 MCR Points + Bottle Deposit (Mobile App)
Added on : Saturday December 07th 2013 06:00:10 AM
g: 0 Posted By: BigBoyMichigan
Views: 125 Replies: 0 Check out BigBoyMichigan's Other Great Fat Wallet Deals - Click Here


Now Available at Target - Free 20oz Sparkling Mobile Coupon. Use your My Coke Rewards points to pick up one of your favorite participating Coca-Cola sparkling beverages, or even try something new. You'll receive a mobile coupon delivered via SMS directly to your mobile device to redeem at Target checkout. Simply show the mobile coupon with barcode to cashier to redeem at any Target location.

* Limit one coupon per member per week. Limit 4 identical mobile coupon redemptions per household, per day. Depending on date of MCR redemption coupon will expire either 3 - 4 weeks after date sent. Reference actual mobile coupon for specific expiration date. All coupons expire June 8, 2014. Individual coupons are one time use only. Target coupons and mobile coupon discount cannot be combined on individual items. Auction Websites:Void if copied, scanned, altered, transferred, purchased, sold or prohibited by law. No cash value. Offer valid in store only.


MyCokeRewards - Target Offer


OFFER GOOD ON ANY FLAVOR OF:
* Coca-Cola
* Diet Coke
* Coca-Cola Zero
* Sprite
* Fanta
* Mellow-Yellow
* Pibb
* Vault
* Barq's
* Fresca


Memberships & Services Deals
g: 0 Posted By: Pizzero
Views: 367 Replies: 1 AT&T GoPhone - Samsung A157 No-Contract Mobile Phone - Black $7.49 @ Bestbuy / Free Shipping or Store pickup.


SAMSUNG A!%& HERE>>>
Cell Phones Deals

Best Buy Coupons
Earn $120 a year with Bank of America Better Balance Rewards Credit Card
Added on : Friday December 06th 2013 09:00:14 AM
g: 0 Posted By: svhyd
Views: 90 Replies: 1 Hey guys, I just applied for this card today and got approved. I'm not sure if they are any additional rewards/points than the quarterly bonus. Even if there are no additional points, I think it's still worth the guaranteed $120 a year if I can charge just my cable bill to this card every month and pay the bill on time using autopay. I just have to make sure I don't accidentally prepay that way the bill balance is NOT zero.

BankAmericard Better Balance Rewards MasterCard Credit Card

No Annual Fee
Earn $25 per quarter when you pay more than the monthly minimum and pay on time each month. That can be up to $100 towards your credit card balance each year
Get an additional $5 bonus per quarter if you have at least one other qualifying account with us
Cash Back is automatically credited to your card balance
Introductory 0% APR for your first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After that, a Variable APR thats currently between 11.99% and 21.99% will apply. 3% fee (min $10) applies to balance transfers. Please see Terms and Conditions for payment allocation information

NOTE:
BankAmericard Better Balance Rewards Program Information. You will earn a $25 cash reward for each calendar quarter in which all of your monthly payments are received on or before the due date and are more than the minimum payment due. Your account must remain open and you must have a payment due in each of the monthly cycles of the calendar quarter to be eligible for the quarterly cash reward; a zero balance or a credit balance does not qualify. If either the primary or joint applicant for this card has at least one checking, savings or retirement account with Bank of America N.A., a Cash Management Account, Merrill Edge or any other account with Merrill Lynch, Pierce, Fenner & Smith Incorporated or U.S. Trust, the card account will receive a customer bonus of $5 for each quarter you qualify, for a total of $30 per quarter. If you qualify, the cash reward will be issued within 30 days following the end of each quarter. Your cash rewards will be automatically issued in the form of a statement credit to your card account, unless you indicate otherwise. You may choose instead to have your cash rewards deposited directly into a Bank of America checking account or savings account or a Merrill Lynch Cash Management Account. Other significant terms apply. Program subject to change. For more information, visit www.bankofamerica.com/betterbalancerewards. Details accompany new card account materials.
Credit Deals
USPS and possible small claims court.
Added on : Tuesday December 03rd 2013 01:00:06 PM
g: 0 Posted By: CptSavAHo
Views: 7 Replies: 0 Keep it short and simple.

I ordered a package from China through Aliexpress as goods for a part time and very profitable small business. The package cleared US Customs in early September. Initial tracking was fine, then it dropped off the map. Package reappeared in Atlanta, then a month later in CA. Now 3 months later it has not been delivered, and last tracking info was departing CA. 3 tracking inquiries with the USPS have resulted in zero progress, and I got one form email apology. Visiting the local post offices wasn't much more productive. They asked if it was insured, and I said no, and they are refusing to let me file a claim for the $260 value of the package. Now I would understand the insurance claim if it was damaged, or registered as delivered but not ever received, but this is a package they clearly lost. Any recourse through the postal system or any experience with a small claims filing? I can't believe that when I can show the goods purchased, the tracking through them and the clear evidence they lost the package that the claim would require that the Chinese shipper have purchased insurance.
Personal Finance Deals
Back in stock @ BJs.com Asus Transformer T100ta 64GB 299.99 - online only
Added on : Tuesday December 03rd 2013 06:00:04 AM
g: 4 Posted By: mommadj
Views: 445 Replies: 3 Black Friday sale price, back in stock. Website is very slow.

ASUS Transformer T100 64GB 10.1" Windows 8.1 Tablet with Dock for $299.99 + Free Shipping @ BJ's

http://www.bjs.com/asus-transformer-t100ta-c1-gr-101-windows-81-tablet-with-dock.product.250766Product Features:

Includes Windows 8.1 operating system
Powered by 1.86GHz Intel Quad Core Baytrail-T Z3740 processor
10.1" IPS HD display boasts 1280 x 800 resolution for a crystal-clear view
64GB SSD with 32GB free ASUS Cloud Storage for 3 years stores all your important files
2GB DDR3 memory allows for smooth multitasking
802.11a/g/n Wi-Fi and Bluetooth 4.0 keep you connected at home and on the go
Integrated 10/100/1000 Mbps Fast Ethernet for easy networking
Micro USB 2.0 port for connecting a wide range of peripherals
Intel GMA HD graphics enhance the multimedia experience
Memory card reader supports SDXC cards (not included)
SonicMaster Audio for an immersive listening experience
1.2MP HD camera helps you capture and share memories
Striking dark grey housing is sleek and modern looking
Software: ASUS Win flash, ASUS Live Update, eManual, ASUS WebStorage Sync Agent, ASUS Smart Gesture, ATK Package (ASUS On Screen Display), ASUS Product Registration program, KBFilter driver, ASUS Installation Wizard, Office 2013 Home and Student, Skype, McAfee Internet Security 2012 Trial and MaxxAudio
Inputs/outputs: micro USB 2.0 port, micro HDMI port, audio combo jack (headphone and mic-in) and card reader port
31WHrs/8,060mAh 2-cell lithium-ion polymer battery pack fuels up to 11 hours of run time
Dock adds a full-size keyboard and a USB 3.0 port
Includes tablet and dock
Warranty: 1 year international; 30 days Zero Bright Dot Guarantee


(Model T100TA-C1-GR)



Android Tablets Deals

BJs Coupons
Back in stock @ BJs Asus Transformer T100ta 64GB 299.99
Added on : Tuesday December 03rd 2013 05:00:04 AM
g: 0 Posted By: mommadj
Views: 92 Replies: 0 Black Friday sale price, back in stock. Website is very slow.

ASUS Transformer T100 64GB 10.1" Windows 8.1 Tablet with Dock for $299.99 + Free Shipping @ BJ's

http://www.bjs.com/asus-transformer-t100ta-c1-gr-101-windows-81-tablet-with-dock.product.250766Product Features:


Includes Windows 8.1 operating system
Powered by 1.86GHz Intel Quad Core Baytrail-T Z3740 processor
10.1" IPS HD display boasts 1280 x 800 resolution for a crystal-clear view
64GB SSD with 32GB free ASUS Cloud Storage for 3 years stores all your important files
2GB DDR3 memory allows for smooth multitasking
802.11a/g/n Wi-Fi and Bluetooth 4.0 keep you connected at home and on the go
Integrated 10/100/1000 Mbps Fast Ethernet for easy networking
Micro USB 2.0 port for connecting a wide range of peripherals
Intel GMA HD graphics enhance the multimedia experience
Memory card reader supports SDXC cards (not included)
SonicMaster Audio for an immersive listening experience
1.2MP HD camera helps you capture and share memories
Striking dark grey housing is sleek and modern looking
Software: ASUS Win flash, ASUS Live Update, eManual, ASUS WebStorage Sync Agent, ASUS Smart Gesture, ATK Package (ASUS On Screen Display), ASUS Product Registration program, KBFilter driver, ASUS Installation Wizard, Office 2013 Home and Student, Skype, McAfee Internet Security 2012 Trial and MaxxAudio
Inputs/outputs: micro USB 2.0 port, micro HDMI port, audio combo jack (headphone and mic-in) and card reader port
31WHrs/8,060mAh 2-cell lithium-ion polymer battery pack fuels up to 11 hours of run time
Dock adds a full-size keyboard and a USB 3.0 port
Includes tablet and dock
Warranty: 1 year international; 30 days Zero Bright Dot Guarantee


(Model T100TA-C1-GR)



Android Tablets Deals

BJs Coupons
Company charges my credit card 7 times - no business relationship
Added on : Monday December 02nd 2013 05:00:20 AM
g: 0 Posted By: ZeeOhhSix
Views: 16 Replies: 0 Strange thing just happened,

I logged into a seldom-used credit card, and saw 7 charges from October (totaling about $500) from EA (Electronic Arts?) and EA - Origin. All of the charges have an associated credit following them, such that my statement balance was still zero, and I guess that's how I didn't notice the charges until today. Since I have absolutely not made any purchases from them, what could be going on? Also, isn't it strange that a credit was placed back on the card for each and every line item? I'll certainly be calling in during my lunch break, but wanted to see if anyone had experience this before. Possible money maker from unauthorized charges? =)

ZeeOhhSix
Personal Finance Deals
g: 0 Posted By: AJR
Views: 43 Replies: 0 At both WalMart's in central Florida today at the front they had Coke and Pepsi 2-Liter bottles for 75 cents each. I don't know if this is nationwide, at just Super-Walmarts, or any limitation to the store. It is YMMV and if they have it, While Supplies Last. Great time to stock up for holiday parties!

Coke sign in the picture says:
Coca-Cola 2-Liters 75c
2 Days Only 11/30/13-12/1/13
Special pricing good on only Coca-Cola, Coke Zero, Diet Coke, Sprite, and Fanta Orange 2-Liters

Guess Pepsi couldn't be outdone so the had a simple "Was $1.38, now $0.75"
Beverage Deals
JLab Diego Earbus Lightning Deal $9.99 Free Shipping @ Amazon
Added on : Sunday December 01st 2013 03:00:11 AM
g: 0 Posted By: Pizzero
Views: 154 Replies: 0 The DIEGO Gold Box Lightning Deal!
Starts at 6a.m to 8am Only PST 12/1



http://www.amazon.com/JBuds-Diego-Earbud-Universal-Black/dp/B00A...
Headphones & Speakers Deals

Amazon Coupons
Goalzero Guide 10 Plus Mobile Kit $60 @ Sport Chalet FS
Added on : Saturday November 30th 2013 11:00:03 AM
g: 0 Posted By: TeamAllen
Views: 154 Replies: 0 I grabbed one yesterday in the store, but noticed they were discounted and available online as well.
http://www.sportchalet.com/product/302176_3085242.do?keyword=190...
Electronics Deals
Polaroid Zinc GL10 Bluetooth Portable Photo Printer - FS $64.50
Added on : Friday November 29th 2013 08:00:12 AM
g: 0 Posted By: medic75
Views: 115 Replies: 0 3x4 photos aren't my thing, but this is a great deal!

http://www.att.com/shop/wireless/accessory.specialty-items-polaroid-zinc-gl10-bluetooth-printer-sku6230324.html

Prints without ink using 2nd generation ZINK Zero Ink Printing Technology from ZINK Imaging. Inkless printing embeds color into the paper - no ink cartridges or ribbons needed
High quality 3" x 4" full color pictures printed in about 45 seconds
A wide range of custom designed borders allows printing with the Classic Polaroid Border logo, or the ability to add your own customized border, or print borderless (full-bleed)
Print wirelessly from a wide range of smart phones including Blackberry, Android and Windows compatible phones via Polaroid apps
Simply connect and print from most PictBridge-enabled digital cameras using USB
Connect and print from your PC or MAC using the Polaroid USB application or Bluetooth
Rechargeable Lithium-Ion Battery fully-charged can produce 35 prints

Printers & Ink Deals
g: 0 Posted By: 116sloppyjoe116
Views: 138 Replies: 0 Link

Monoprice has an excellent dead pixel warranty. Great price here.

Black Friday discountvalid from 11/29/2013 to 12/4/2013.
Monitors Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
g: 2 Posted By: fivetalents
Views: 247 Replies: 1 As one of its BF doorbusters, the N3wegg Eb ay store is offering the ASUS Notebook X200CA-DB02 11.6" Intel Celeron 1007U(1.5GHz) 320GB HDD 2GB Memory, new/unopened for $149.99 with free shipping.

SPECS:

General
Color Black
Operating System Ubuntu
CPU Type Intel Celeron 1007U 1.5GHz
Screen 11.6"
Memory Size 2GB
Hard Disk 320GB
Graphics Card Intel HD Graphics
Video Memory Shared memory

CPU
CPU Type Intel Celeron
CPU Speed 1007U(1.5GHz)
CPU Support 2MB L3 Cache

Display
Screen Size 11.6"
Wide Screen Support Yes

Operating Systems
Operating System Ubuntu

Graphics
GPU/VPU Intel HD Graphics
Video Memory Shared system memory
Graphic Type Integrated Card

Hard Drive
HDD 320GB
HDD RPM 5400rpm

Memory
Memory 2GB
Memory Spec 2GB x 1

Communications
WLAN 802.11b/g/n Wireless LAN

Supplemental Drive
Webcam Yes

Power
Battery 34WHrs, 3000mAh, 3S1P, 3-cell Li-on Battery pack

Manufacturer Warranty
Accidental Damage Warranty 30-Day Zero Bright Dot
Laptops Deals
g: 0 Posted By: Pizzero
Views: 266 Replies: 0 SURFACE HERE..


32GB Microsoft Surface RT Tablet | P3T-000031 year warranty | Fast shipping optionsYou look for sleek, stylish performance. Something sophisticated, but powerful enough for your needs. Both thin and light for easy portability, the Surface RT is productive, fashionable and efficient. The Surface features Windows RT and Microsoft Office Home and Student 2013 RT Preview, to enable you on your busiest on-the-go days, while the integrated kickstand affords you hands-free entertainment when your ready to relax. Made with VaporMg, the Surface is crafted to be tough yet elegant with an incredibly smooth, yet durable finish.

Screen Size: 10.6"
Resolution: 1366 x768
Aspect Ratio:16:9
Operating System: Windows RT, Microsoft Office Home and Student 2013 RT Preview
Memory: 2GB RAM
Processor Type: NVidia T30
Storage: 32 GB, System software uses significant storage space. Available storage is subject to change based on system software updates and apps usage.
Touch: 5-point multi-touch
Audio: Stereo speakers and microphone
Ports: Full-size USB 2.0, microSDXC card reader, Headphone jack, HD video out port, Cover port
Casing: VaporMg
Color: Dark Titanium
Physical Buttons: Volume, Power
Cameras: Two 720p HD cameras, front and rear-facing
Wireless: Wi-Fi (802.11a/b/g/n), Bluetooth 4.0 technology
Sensors: Ambient light sensor, Accelerometer, Gyroscope, Magnetometer
Warranty: 1-year limited hardware warranty
Included Apps: Mail, Messaging, Word, Power Point, Excel, OneNote, SkyDrive, Internet Explorer 10, Bing, Music, Video, Games, and more.
Battery: Up to 8 hours mixed activity, 7-15 days idle life
Dimensions10.81 x 6.77 x 0.37 inches
Weight: 1.5 lbs
Product Number: Surface 32GB

Windows Tablets Deals
ZeroWater ZP-010 10-Cup Pitcher $29.99
Added on : Wednesday November 27th 2013 06:00:07 PM
g: 0 Posted By: myonlyday
Views: 189 Replies: 0 Amazon.com offers the ZeroWater ZP-010 10-Cup Pitcher for $29.99 with free shipping.

Linky.
Home & Garden Deals

Amazon Coupons
Nikon P223 3-9x40 Mate BDC 600 scope $135.98 @ Amazon
Added on : Monday November 25th 2013 05:00:06 PM
g: 1 Posted By: turbotwo
Views: 153 Replies: 0 http://www.amazon.com/Nikon-P-223-3-9x40-Mate-BDC/dp/B006YVT0R8/ref=sr_1_1?ie=UTF8&qid=1385436980&sr=8-1&keywords=nikon+p223

BDC 600 Reticle-Developed specifically for the trajectory of the .223 Rem /5.56 NATO round with 55-grain polymer tip bullet, the BDC 600 reticle offers shooters unique open circle aiming points and hash marks from 100 to 600 yards.
Precise, 1/4-MOA Hand-turn Tactical-Style, Zero-Reset Turrets-Positive click reticle adjustments get you zeroed in quicker and maintain your setting?even withrepeated recoil.
100-yard Parallax Setting-Eliminates parallax for precise shooting.
Waterproof/Fogproof-Nitrogen filled and O-ring sealed
Generous, Consistent Eye Relief-Keeps your brow safe?even with the heaviest recoiling cartridges, lightweight rifles, and severe shooting angles.

Guns & Ammo Deals

Amazon Coupons
Nikon P223 3x32 Mate BDC Carbine scope $113.98 @ Amazon
Added on : Monday November 25th 2013 05:00:04 PM
g: 0 Posted By: turbotwo
Views: 114 Replies: 0 Price drop today.

http://www.amazon.com/Nikon-P-223-3x32-Matte-Carbine/dp/B006Z07JTE/ref=sr_1_2?ie=UTF8&qid=1385437576&sr=8-2&keywords=nikon+223

BDC Carbine Reticle-Developed specifically for the trajectory of the .223 Rem /5.56 NATO round with 55-grain polymer tip bullet, the new BDC Carbine reticle provides a 200 yard crosshair with ''hash marks'' at 400 yards and 600 yards.

Fully Multicoated Optical System-Provides up to 98-Percent light transmission and maximum brightness from dawn to dusk.
Precise, 1/4-MOA Hand-turn Tactical-Style, Zero-Reset Turrets-Positive click reticle adjustments get you zeroed in quicker and maintain your setting?even withrepeated recoil.
Waterproof/Fogproof-Nitrogen filled and O-ring sealed
Generous, Consistent Eye Relief-Keeps your brow safe?even with the heaviest recoiling cartridges, lightweight rifles, and severe shooting angles.

Guns & Ammo Deals

Amazon Coupons
Banks may charge to take deposits (FT)
Added on : Monday November 25th 2013 02:00:04 AM
g: 0 Posted By: tuphat
Views: 100 Replies: 1 From Financial Times article (link below) --

Leading US banks have warned that they could start charging companies and consumers for deposits if the US Federal Reserve cuts the interest it pays on reserves. Depositors already have to cope with near-zero interest rates, but paying just to leave money in the bank would be highly unusual and unwelcome for companies and households.

The warning by bank executives highlights the dangers of one strategy the Fed could use to offset an eventual tapering of the $85bn a month in asset purchases Executives at two of the top five US banks said a cut in the 0.25 per cent rate of interest on the $2.4tn in reserves they hold at the Fed would lead them to pass on the cost to depositors. Banks say they may have to charge because taking in deposits is not free: they have to pay premiums of a few basis points to a US government insurance programme.

http://on.ft.com/181lD4M
General Economics Deals
g: 0 Posted By: Californiaxraised
Views: 143 Replies: 1 Link http://www.mycokerewards.com/home.do


Services Deals
Iconia B1-710-L401 Android 7" Tablet $99 Free Shipping @ Acer Store
Added on : Friday November 22nd 2013 02:00:02 AM
g: 0 Posted By: Pizzero
Views: 0 Replies: 0 HERE PLEASE.

Iconia B1-710-L401 Android Tablet

Just 0.75 lbs. light, the 7" Acer Iconia A1-810-L416 Android Tablet easily fits your commuting bag and provides a nice view of your favorite media.

Android Jelly Bean Operating System
Media Tek MT8317T Dual-Core Processor (1.2 GHz)
8GB Internal Storage
MicroSD Memory Slot up to 32GB
7" WSVGA LCD Display (1024 x 600)
Micro USB Port | Up to 3.5-hours battery life

g: 2 Posted By: bittul
Views: 33 Replies: 0 Copied/Pasted from DJ3xclusive over @ SD
DJ3xclusive said: *Starts 11/21/2013*

http://www.amazon.com/dp/B00GJ1X4TS/ Rockstar Classics Bundle 7.99
http://www.amazon.com/dp/B00CLEIC6W Shatter - 2.49
http://www.amazon.com/dp/B00DOD0TZG BioShock Triple Pack - 14.99
http://www.amazon.com/dp/B00CPBZDQ8 Borderlands 2 and Borderlands GOTY - 11.99
http://www.amazon.com/dp/B00CPBZDPE Firaxis Pack (XCOM EU, Civ V Gold, Civ IV Complete) - 19.99
http://www.amazon.com/dp/B00ECHYTKY X-COM Collection (Classics +EU + DLC) - 9.99
http://www.amazon.com/dp/B0091T6FQO Desert to Sea - 9.99
http://www.amazon.com/dp/B008GW5V9E Action Shooter Pack - 9.99
http://www.amazon.com/dp/B00ELJROFA CIV V COMPLETE (Gold + Brave New World) - 19.99
http://www.amazon.com/dp/B00AFDKCLE X-COM ENEMY UNKNOWN- SLINGSHOT DLC - 3.49
http://www.amazon.com/dp/B009RSL2EO X-COM ENEMY UNKNOWN- ELITE SOLDIER DLC - 2.49
http://www.amazon.com/dp/B00846E6X4 X-COM: Complete Pack (CLASSICS) - 7.49
DUKE NUKEM FOREVER - 9.99
DARKNESS 2 - 14.99
http://www.amazon.com/dp/B00BCNV1CA CIV V GOLD - 24.99
http://www.amazon.com/dp/B0084FHBGY CIV IV COMPLETE - 14.99
http://www.amazon.com/dp/B00CYOHL48 Sid Meier's Civilization V Game of the Year Edition [Mac Download] - 19.99
http://www.amazon.com/dp/B00BLS4CZ4 Civilization V Gold - 24.99
Duke Nukem Forever [Mac Download] - 9.99
Civilization IV [Mac Download] - 9.99
Civilization V Gold + Civ V: Brave New World - 19.99
http://www.amazon.com/dp/B00BGEAY00 Blacklight Tango Down 4-Pack - 4.49
http://www.amazon.com/dp/B008PGUVLE Blacklight Tango Down - 1.29
BULLY/MANHUNT - 4.99
http://www.amazon.com/dp/B00DQXF8AU GTA TRILOGY - [Mac Version (http://www.amazon.com/dp/B006BEZPTU Click Here)] 6.99
http://www.amazon.com/dp/B00A9XQ83Q Max Payne 3 + Season Pass $7
http://www.amazon.com/dp/B00G3K2JEG MAX PAYNE 3 COMPLETE - 6.99
http://www.amazon.com/dp/B00GJ1X1SM MANHUNT/MANHUNT 2 - 3.99
http://www.amazon.com/dp/B00GJ1X3V2 GTA TRILOGY + GTA IV - 10.99
http://www.amazon.com/dp/B0091UYJ66 LA NOIRE Complete + Max Payne 3 Complete - 7.99
http://www.amazon.com/dp/B00904XVS0 GTA IV Complete + Max Payne 3 - 7.99
L.A. NOIRE - 9.99
GTA IV - 9.99
MANHUNT - 4.99
MANHUNT 2 - 7.49
GTA VICE CITY - 4.99
GTA 3 - 4.99
GTA SAN ANDREAS - 7.49
MAX PAYNE 3 - 9.99
MAX PAYNE 3 SEASON PASS - 7.49
Call of Duty: Black Ops - 19.99
Call of Duty: Black Ops - Rezurrection - 5.99
Call of Duty: Black Ops "Annihilation & Escalation" Content Pack - 9.99
R.I.P.D.: The Game - 2.99
God Mode - 2.99
Zeno Clash 2 - 4.99
Invadazoid - 1
Rails - 4.95
Art Text for Mac - 19.95
Scorpion: Disfigured - 4.9975
Jekyll & Hyde - 4.9975
Outcry - 4.9975
http://www.amazon.com/dp/B00B2CY948 Giana Sisters: Twisted Dreams - 2.99
The Few - 1.99
Strike Suit Zero - 4.99
Dungeons & Dragons: Chronicles of Mystara - 7.49
Dungeons & Dragons: Chronicles of Mystara 4-Pack - 22.49
Super Street Fighter IV: Arcade Edition - 14.99
100% Hidden Objects - 3.99
Ancient Spirits - Columbus Legacy - 1.99
Build It! Miami Beach Resort - 1.99
Dark Mysteries - The Soul Keeper - 2.99
Jewel Legends - Tree of Life - 2.99
Mahjong Mysteries - Ancient Athena - 1.99
Mahjongg: Ancient Mayas - 1.99
Mystery Stories - Mountains of Madness - 2.99
Mystery Stories: Island of Hope - 1.99
Sanctum 2 - 3.74
Super Sanctum TD - 0.99
Sanctum - 2.49
18 Wheels of Steel Long Haul - 2.49
Amnesia - 4.99
Hunting Unlimited 2010 - 2.49
Ultimate Mahjongg 20 - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 4.99
18 Wheels of Steel Extreme Trucker - 2.49
Let's Ride: Silver Buckle Stables - 2.49
Prison Tycoon 4: Super Max - 2.49
18 Wheels of Steel: Extreme Trucker 2 - 9.99
Amnesia - 9.99
Stealth Bastard Deluxe - 2.99
Stealth Bastard Deluxe: The Teleporter Chambers - 1.49
Deponia - 3.99
Chaos on Deponia - 3.99
The Dark Eye - Chains of Satinav - 4.99
A New Beginning - 2.49
Edna & Harvey: Harveys New Eyes - 2.99
Garshasp: The Monster Slayer - 1.25
Garshasp: Temple of the Dragon - 1.25
Secret Files Franchise Pack - 19.99
Cubetractor - 4.99
PixelJunk Monsters Ultimate - 9.99
PixelJunk Shooter - 6.7425
Psychonauts - 2.5
Costume Quest - 3.75
Stacking - 3.75
Brutal Legend - 10
Brutal Legend - Soundtrack Edition - 12.5
Guacamelee! Gold Edition - 9.99
Tales From Space: Mutant Blobs Attack - 3.99
Hunter's Trophy 2 - America - 7.5
Hunter's Trophy 2 - Australia - 7.5
WRC 3 - 14.99
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Restaurant Empire - 4.95
Restaurant Empire 2 - 9.95
Capitalism 2 - 4.985
Zoo Empire - 2.4875
Marine Park Empire - 2.50
Circus Empire - 2.4875
Hotel Giant - 2.4875
Seven Kingdoms 2 - 2.4875
Nemesis of the Roman Empire - 4.9875
Warlords Battlecry 3 - 4.9875
Joan of Arc - 0.9875
Lords of Football - 6.25
Jig-Man! - 2.67
Maze-Master - 2.67
Nancy Drew: The Final Scene - 3.5
Nancy Drew: Secret Of The Scarlet Hand - 3.5
Nancy Drew: Ghost Dogs Of Moon Lake - 3.5
Nancy Drew: The Haunted Carousel - 3.5
Nancy Drew: Danger on Deception Island - 3.5
Nancy Drew: Ransom Of The Seven Ships - 3.5
Nancy Drew: The Phantom of Venice - 3.5
Nancy Drew Dossier: Resorting to Danger - 3.5
Nancy Drew: Legend of the Crystal Skull - 3.5
Nancy Drew Dossier: Lights, Camera, Curses! - 3.5
Nancy Drew: The Haunting of Castle Malloy - 3.5
Nancy Drew: Curse of Blackmoor Manor - 3.5
Nancy Drew: Warnings at Waverly Academy - 3.5
Nancy Drew: Secret of the Old Clock - 3.5
Nancy Drew: Last Train to Blue Moon Canyon - 3.5
Nancy Drew: Danger By Design - 3.5
Nancy Drew: The White Wolf of Icicle Creek - 3.5
Nancy Drew: The Creature of Kapu Cave - 3.5
Nancy Drew: Trail of the Twister - 3.5
Nancy Drew: Secrets Can Kill REMASTERED - 3.5
Nancy Drew: Shadow at the Water's Edge - 9.99
Nancy Drew: Shadow at the Water's Edge [Mac Download] - 9.99
Nancy Drew: The Captive Curse - 9.99
Nancy Drew: The Captive Curse [Mac Download] - 9.99
Nancy Drew: Alibi in Ashes - 9.99
Nancy Drew: Alibi in Ashes [Mac Download] - 9.99
Nancy Drew: Tomb of the Lost Queen - 9.99
Nancy Drew: Tomb of the Lost Queen [Mac Download] - 9.99
Nancy Drew: Treasure In The Royal Tower - 4.99
Nancy Drew: Message in a Haunted Mansion - 4.99
Nancy Drew: The Secret of Shadow Ranch - 7.49
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: The Deadly Device - 9.99
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: Ghost of Thorton Hall - 13.39
Nancy Drew: The Phantom of Venice - 3.5
Defense Grid Containment Bundle - 4.99
StarDrive - 10.2
Endless Space Emperor Special Edition - 10.2
Endless Space: Disharmony - 3.4
Endless Space Gold Edition - 11.9
Adam's Venture - 1.25
Dark Fall: Lost Souls - 2.49
Darkness Within: In Pursuit of Loath Nolder - 2.49
Killing Floor - 4.5
Red Orchestra - 2.49
Baron Wittard - 2.49
Darkness Within 2 - 2.49
Wings of Luftwaffe DLC - 2.75
Wings of Prey - 3.75
Wings of Prey - Collector's Edition - 6.25
Family Farm - 3.75
Nuclear Dawn - 2.49
Oil Rush - 3.99
Armada 2526 - 3.75
Starpoint Gemini - 4.98
Blades of Time Limited Edition - 9.99
Gemini Wars - 4.98
LHOD Society of the Serpent Moon - 4.98
Adam's Venture 3 - 1.25
Adam's Venture 2 - 1.25
SOL: Exodus Collector's Edition - 2.49
Cristiano Ronaldo Freestyle - 1.25
Tiny Troopers - 1.25
Tiny Troopers - 1.25
The Good Life - 2.49
ABC Coloring Town - 1.25
Alphabet Robots Mahjong - 1.25
Balloon Blowout - 1.25
Fantastic 4 In A Row 2 - 1.25
Fantastic Checkers 2 - 1.25
Letter Land Mahjong 2 - 1.25
Mahjong Deluxe 2 - 1.25
Drip Drip - 2.5
Drip Drip - 2.5
Jewel Quest Mysteries: The 7th Gate - 0.99
Jewel Quest Heritage for Kindle Tablet - 0.99
Jagged Alliance: Crossfire - 7.4975
Tropico 4 DLC - Pirate Heaven - 1.2475
Sine Mora - 2.4975
Tropico 4: Megalopolis - 1.2475
Tropico 4: Vigilante - 1.2475
Omerta: City of Gangsters - 19.995
Tropico3: Absolute Power - Expansion - 2.4975
Tropico Reloaded - 1.7475
Tropico 3 - 2.4975
Tropico 4 - 7.4975
Tropico 4: Collectors Bundle - 9.9975
Tropico 4 - 7.4975
Tropico 4 - Junta Military DLC - 1.2475
Tropico 4 - Quick-Dry-Cement DLC - 1.2475
Omerta: City of Gangsters: The Con Artist - 2.495
Anna: Extended Edition - 4.995
Omerta: City of Gangsters: Damsel in Distress - 2.495
Jagged Alliance: Collector's Bundle - 9.9975
Omerta: City of Gangsters: The Arms Industry - 2.495
DARK - 19.995
Tropico Trilogy - 4.9975
Tropico 4: Military Junta DLC - 1.2475
Tropico 4: Voodoo - 1.2475
Tropico 4: Voodoo - 1.2475
Port Royale 3 Gold - 7.4975
Tropico Collection - 9.9925
Tropico 4 - Plantador Production DLC - 1.2475
Tropico 4: Quick-dry Cement DLC - 1.2475
Jagged Alliance - Back in Action - 9.9975
Tropico 4 - Modern Times DLC - 4.9975
Manhunter - 4.99
Euro Truck Simulator 2 - 11.99
Alien Breed : Assault - 2.49
Alien Breed : Descent - 2.49
Alien Breed : Impact - 2.49
Alien Breed Trilogy - 4.59
Superfrog HD - 2.49
Worms - 1.99
Worms Armageddon - 7.49
Worms Blast - 1.99
Worms Clan Wars - 12.49
Worms Collection - 22.49
Worms Crazy Golf - 2.49
Worms Pinball - 1.99
Worms Reloaded Game of the Year Edition - 6.25
Worms Revolution - 7.49
Worms Revolution Season Pass - 7.49
Worms Ultimate Mayhem - 3.75
http://www.amazon.com/dp/B007WWW2C8 The Walking Dead - 6.25
http://www.amazon.com/dp/B00DRKJ7VI The Walking Dead: 400 Days - 1.25
http://www.amazon.com/dp/B00ELJRCDO Walking Dead Pack - 7.49
Duck Tiles - 1.99
Bulldozer - 1.99
SQUIDS - 1.75
The Bridge - 4.99
Spectromancer + League of Heroes + Truth and Beauty + Gathering of Power Bundle - 1.99
Chivalry: Medieval Warfare - 12.49
ANNO 2070 - The Eden Project Complete Pack DLC - 5.2
ANNO 2070 - The Financial Crisis Complete Pack - 5.2
ANNO 2070 - 19.49
Assassin's Creed 2 - 12.99
Assassin's Creed 2 Deluxe Edition - 12.99
Assassin's Creed Brotherhood [Mac Download] - 12.99
Assassin's Creed II [Mac Download] - 12.99
Assassin's Creed Revelations - Gold Edition - 19.49
Assassin's Creed Revelations - Mediterranean Traveler Map Pack DLC - 6.49
Assassin's Creed Revelations - The Ancestors Character Pack DLC - 2.59
Assassin's Creed Revelations - The Lost Archive DLC - 6.49
Assassin's Creed Revelations - 12.99
Assassin's Creed: Brotherhood - 12.99
Assassin's Creed: Brotherhood Deluxe Edition - 19.49
Assassin's Creed: Director's Cut Edition - 12.99
Babel Rising - Mac - 6.49
Babel Rising - Sky's the Limit DLC - 1.94
Babel Rising - Sky's the Limit DLC Mac - 1.94
Babel Rising - 6.49
Beyond Good & Evil - 6.49
Blazing Angels 2: Secret Missions of WWII - 6.49
Blazing Angels Squadrons of WWII - 6.49
Brain Spa - 6.49
Brothers in Arms Earned in Blood - 6.49
Brothers in Arms Road to Hill 30 - 6.49
Call of Juarez 2: Bound in Blood - 6.49
Call of Juarez: The Cartel - 12.99
Cold Fear - 6.49
CSI: Crime Scene Investigation: Hard Evidence - 6.49
CSI: Deadly Intent - 6.49
CSI: Fatal Conspiracy - 12.99
Dark Messiah: Might & Magic - 6.49
Dawn of Discovery Gold - 12.99
Dawn of Discovery: Venice - 6.49
Driver San Francisco - Deluxe Edition - 16.24
Driver San Francisco - Standard Edition - 12.99
Driver San Francisco [Mac Download] - 12.99
Driver: Parallel Lines - 6.49
Far Cry - 32 Bit OS Only - 6.49
Far Cry 2: Fortune's Edition - 6.49
From Dust - 9.74
Heritage of Kings: The Settlers - 6.49
Heroes of Might and Magic V - 6.49
Heroes of Might and Magic V: Hammers of Fate - 6.49
Heroes of Might and Magic V: Tribes of the East - 6.49
Heroes Over Europe - 6.49
I Am Alive - 9.74
IL-2 STURMOVIK: CLIFFS OF DOVER - 12.99
Lock On - 6.49
Mad Riders - Daredevil Map Pack - 1.94
Mad Riders - 6.49
Might & Magic Clash Of Heroes - 6.49
Might & Magic Heroes VI: Pirates of the Savage Sea Adventure Pack - 6.49
Might & Magic: Clash of Heroes - I Am the Boss DLC Pack - 1.94
NCIS - 6.49
Peter Jackson's King Kong - 6.49
Petz Catz 2 - 6.49
Petz Horsez 2: Pippa Funnell Rescue Ranch - 6.49
Petz Sports - 6.49
Prince of Persia - 6.49
Prince of Persia: The Sands of Time - 6.49
Prince of Persia: The Two Thrones - 6.49
Prince of Persia: Warrior Within - 6.49
R.U.S.E. - 6.49
R.U.S.E. - 6.49
R.U.S.E. DLC 3 - 6.49
R.U.S.E: The Chimera DLC-Pack - 4.54
Rayman 3 Hoodlum Havoc - 6.49
Rayman Origins - 12.99
Rayman Raving Rabbids - 6.49
Shaun White Skateboarding - 6.49
Shaun White Snowboarding - 6.49
Splinter Cell Conviction - Insurgency Pack - 6.49
Tom Clancy's EndWar - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter - 6.49
Tom Clancy's Ghost Recon Advanced Warfighter 2 - 6.49
Tom Clancy's H.A.W.X 2 - 6.49
Tom Clancy's H.A.W.X 2 Deluxe - 9.74
Tom Clancy's H.A.W.X. - 6.49
Tom Clancy's H.A.W.X. 2 : The Open Skies - 6.49
Tom Clancy's Rainbow Six Lockdown [Game Download] - 6.49
Tom Clancy's Rainbow Six Vegas - 6.49
Tom Clancy's Rainbow Six Vegas 2 - 6.49
Tom Clancy's Splinter Cell - 6.49
Tom Clancy's Splinter Cell Chaos Theory - 6.49
Tom Clancy's Splinter Cell Conviction [Mac Download] - 12.99
Tom Clancy's Splinter Cell Conviction Deluxe - 12.99
Tom Clancy's Splinter Cell Double Agent - 6.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Pro Cycling Manager 2013 - 14.99
Pro Cycling Manager 2013 - 14.99
Wargame Airland Battle - 13.59
Magrunner: Dark Pulse [Thin Game Download] - 6.79
Mars: War Logs - 6.79
Cities XL Platinum - 7.49
Cities XL Platinum - 7.49
Blood Bowl: Chaos Edition - 7.49
The Testament of Sherlock Holmes - 7.49
The Testament of Sherlock Holmes - 7.49
Adventure Bundle - 14.99
RPG Bundle - 34.99
Game of Thrones - 9.99
DLC Quest - 0.99
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
The Asskickers - 3.1936
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
FTL: Faster Than Light - 5
Megabyte Punch - 7.49
Critical Mass - 0.49
Metal Dead - 1.25
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Sountrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers Soundtrack Edition - 3.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Tiny & Big in: Grandpa's Leftovers - 2.5
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 33.49
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99
THE SIMS 3 70s, 80s, & 90s STUFF (PC/MAC) - 9.99
THE SIMS 3 Diesel STUFF PACK (PC/MAC) - 9.99
THE SIMS 3 DRAGON VALLEY (PC/MAC) - 9.99
THE SIMS 3 FAST LANE STUFF (PC/MAC) - 9.99
THE SIMS 3 GENERATIONS (PC/MAC) - 9.99
THE SIMS 3 HIDDEN SPRINGS - 9.99
THE SIMS 3 HIGH-END LOFT STUFF (PC/MAC) - 9.99
THE SIMS 3 INTO THE FUTURE (PC/MAC) - 22.49
THE SIMS 3 MASTER SUITE STUFF (PC/MAC) - 9.99
THE SIMS 3 MONTE VISTA (PC/MAC) - 9.99
THE SIMS 3 MOVIE STUFF (PC/MAC) - 9.99
THE SIMS 3 OUTDOOR LIVING STUFF (PC/MAC) - 9.99
THE SIMS 3 PETS (PC/MAC) - 9.99
THE SIMS 3 SHOWTIME (PC/MAC) - 9.99
THE SIMS 3 SUPERNATURAL (PC/MAC) - 9.99
THE SIMS 3 TOWN LIFE STUFF (PC/MAC) - 9.99
THE SIMS 3 WORLDS BUNDLE - 9.99
THE SIMS MEDIEVAL (PC/MAC) - 9.99
THE SIMS MEDIEVAL PIRATES AND NOBLES (PC/MAC) - 9.99
MASS EFFECT 3 - 6.99
MASS EFFECT 3 - 6.99
BULLETSTORM - 4.99
DEAD SPACE - 4.99
DEAD SPACE 2 - 4.99
MASS EFFECT - 4.99
MASS EFFECT 2 - 4.99
SIM CITY 4 DELUXE - 4.99
SYNDICATE - 4.99
THE SIMS 3 AMBITIONS (PC/MAC) - 14.99
THE SIMS 3 LATE NIGHT (PC/MAC) - 9.99
THE SIMS 3 PLUS SHOWTIME (PC/MAC) - 14.99
THE SIMS 3 PLUS SUPERNATURAL (PC/MAC) - 14.99
THE SIMS 3 STARTER PACK - 14.99
THE SIMS 3 UNIVERSITY LIFE (PC/MAC) - 14.99
THE SIMS 3 WORLD ADVENTURES (PC/MAC) - 9.99
MASS EFFECT 3 DIGITAL DELUXE - 9.99
BATTLEFIELD: BAD COMPANY 2 ULTIMATE DIGITAL COLLECTION - 8.99
MEDAL OF HONOR ULTIMATE DIGITAL COLLECTION - 8.99
SPORE ULTIMATE DIGITAL COLLECTION - 9.99
THE SIMS 3 ISLAND PARADISE (PC/MAC) - 19.99
THE SIMS 3 PLUS PETS (PC/MAC) - 19.99
THE SIMS 3 SEASONS (PC/MAC) - 19.99
ALICE: MADNESS RETURNS THE COMPLETE COLLECTION - 7.49
CRYSIS 2 MAXIMUM - 7.49
CRYSIS MAXIMUM - 7.49
MASS EFFECT 2 DIGITAL DELUXE EDITION - 7.49
THE SIMS 3 DELUXE (PC/MAC) - 24.49
THE SIMS 3 PLUS ISLAND PARADISE (PC/MAC) - 24.49
Burning Hot Bundle - 5.99
Kingdoms of Amalur Complete Bundle - 8.49
Vintage Sports Pack - 8.49
Medal of Honor Warfighter pack (Game + DLC) - 7.49
Have Faith Bundle - 4.99
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Memoria - 13.19
The Night of the Rabbit - 9.99
1 PLEX: EVE Online [Game Connect] - 16.95
2 PLEX: EVE Online [Game Connect] - 29.75
6 PLEX: EVE Online [Game Connect] - 89.25
12 PLEX: EVE Online [Game Connect] - 178.49
28 PLEX: EVE Online [Game Connect] - 416.49
1 Month Subscription: EVE Online [Game Connect] - 11.25
3 Months Subscription: EVE Online [Game Connect] - 29.13
6 Months Subscription: EVE Online [Game Connect] - 53.77
12 Months Subscription: EVE Online [Game Connect] - 98.55
Painkiller Hell & Damnation Collector's Edition - 5.49
Rooks Keep - 4.99

*Starts 11/22/2013*

S.T.A.L.K.E.R. Call of Pripyat - 9.995
Expeditions: Conquistador - 13.3933
Thunder Wolves - 6.6933
Air Conflicts: Pacific Carriers - 9.995
Galaxy on Fire 2 HD - 9.995
Party of Sin - 2
Party of Sin - 2
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475

*Starts 11/23/2013*

The Book of Unwritten Tales Deluxe Edition - 4.99
The Book of Unwritten Tales Deluxe Edition - 4.99
reef Shot - 2.99

*Starts 11/24/2013*

Inspector Cyndi in Newport--UNFINISHED SYMPHONY - 4.99
Inspector Cyndi in Newport--FALL FROM GRACE - 4.99
Crossed Quotes - 2.49
Jewels of the Nile - 2.99
Crystal Caverns of Amon-Ra - 2.99
Billiards Champ - 2.99
101 Pony Pets - 2.99
Dynasty of Egypt - 2.99
Supreme Commander: Forged Alliance - 2.99
Supreme Commander - 2.99

*Starts 11/25/2013*

Party of Sin - 5
Party of Sin - 5
Kilgazar (Desura) - 2.99
Kilgazar - 2.99
Kilgazar - 2.99
Kilgazar (Desura) - 2.99

*Starts 11/26/2013*

Hell Yeah! - 4.99
Hell Yeah! Virtual Rabbit Missions DLC - 1.87
Hell Yeah! Pimp my Rabbit DLC - 1.02
Hell Yeah! Collection - 6.29
Renegade Ops - 4.79
Renegade Ops 4 pack - 9.99
Reinforcement Pack - 1.0465
Cold Strike Campaign - 1.69
Renegade Ops Collection - 5.29
Red Faction Armageddon - 3.99

*Starts 11/27/2013*

Test Drive: Ferrari Racing Legends - 14.99
Pat Sajak's Lucky Letters - 4.99
Indigo Prophecy - 4.99
Project Runway - 9.99
Test Drive Unlimited 2 - 9.99
911: First Responders - 9.99
Backyard Sports: Rookie Rush - 14.99
Ghostbusters: The Video Game - 4.99
Haunted House - 9.99
Ghostbusters: Sanctum of Slime - 4.99
Yars Revenge - 4.99
Star Raiders - 4.99
Puzzler World - 9.99
Rollercoaster Tycoon 2: Triple Thrill Pack - 4.99
Rollercoaster Tycoon 3: Platinum - 9.99
Swashbucklers - 4.99
Tactical Ops - 9.99
The UnderGarden - 4.99
Baldur's Gate Enhanced Edition - 9.99
Rollercoaster Tycoon Pack (Rollercoaster Tycoon 3: plat + Roller coaster Tycoon 2 - 9.99
Test Drive Pack (Ferrari racing + Unlimited 2) - 14.99
Empire: Total War - Gold Edition - 19.99
Napoleon: Total War - Gold Edition - 14.99
Rome: Total War Gold Edition [Mac Download] - 12.5
Tribes: Ascend Game of the Year Edition - 7.49
Inversion - 4.99
Dark Souls: Prepare To Die Edition - 7.49
Ace Combat: Assault Horizon - 7.49
Star Trek - 4.99
RIDGE RACER Unbounded - 4.99
MUD - FIM Motorcross World Championship - 7.49
Pac-Man and the Ghostly Adventures - 19.99
Pac-Man Championship Edition DX+ - 4.99
Enslaved: Odyssey to the West Premium Edition - 9.99
Mishap 2: An Intentional Haunting - 2.49
Mishap 2: An Intentional Haunting - 3.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Stroke of Midnight Collector's Edition - 3.49
Stroke of Midnight Standard Edition - 2.49
Antiques Roadshow - 2.49
Burger Time Deluxe - 1.69
Cat Wash - 1.69
Dig Dug - 0.99
Everything Nice - 1.69
Garters & Ghouls - 1.19
Gwen the Magic Nanny - 1.69
Journabullet Journey: The Eye of Odin - 1.69
Knightfall: Death and Taxes - 1.69
Mishap: An Accidental Haunting - 0.99
PAC-MAN - 0.99
PAC-MAN Pizza Parlor - 1.69
Pool Pro Online 3 - 2.49
Star Trigon - 1.69
The Otherside: Realm of Eons - 0.99
Tinseltown Dreams - The 50's - 1.69
Sniper Elite V2 - 5.99
Rogue Trooper - 1.49
Sniper Elite V2 - Kill Hitler DLC Pack - 2.39
Sniper Elite V2 - The Neudorf Outpost DLC Pack - 1.49
Sniper Elite V2 - The Landwehr Canal DLC Pack - 1.49
Sniper Elite: Nazi Zombie Army - 4.49
Sniper Elite: Nazi Zombie Army 4 Pack - 11.99
Sniper Elite V2 Bundle - 9.99
The Lord of the Rings Online: Quad Pack - 19.99
The Lord of the Rings Online: Riders of Rohan - 9.99
The Lord of the Rings Online: Samwise Gamgee's Starter Pack - 6.99
Dungeons & Dragons Online: Shadowfell Conspiracy Standard Edition - 14.99
Dungeons & Dragons Online: Shadowfell Conspiracy Collector's Edition - 24.99
Making History II: The War of the World - 4.99

*Starts 11/28/2013*

http://www.amazon.com/dp/B0098QPPL6 Battlefield 3: Premium Edition - 13.99
http://www.amazon.com/dp/B0087STJLS Battlefield 3: Premium Service - 11.49
http://www.amazon.com/dp/B008MNJYI6 Battlefield 3 Ultimate Shortcut Bundle - 9.49
http://www.amazon.com/dp/B00DNHLFQA Command & Conquer The Ultimate Collection [PC Instant Access] - 7.49
http://www.amazon.com/dp/B009IR1SR0 Command and Conquer The Ultimate Collection - 7.49
NiGHTS into Dreams - 3.39
Sonic Adventure 2 - 3.39
Sonic Adventure 2 Battle Mode DLC - 1.02
http://www.amazon.com/dp/B00AWRPEJI Sonic and SEGA All-Stars Racing Transformed - 4.99
Sonic and SEGA All-Stars Racing Transformed 4-Pack - 14.99
Binary Domain - 4.99
Binary Domain Collection - 7.79
Final Fantasy XIV: A Realm Reborn - 14.99
Final Fantasy XIV: A Realm Reborn Collector's Edition - 24.99
Joe Danger - 5.996
Joe Danger 2: The Movie - 5.996
Joe Danger Bundle - 9.996
Risen - 1.99
Risen 2 : Dark Waters - 3.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 5
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 4.99
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
http://www.amazon.com/dp/B00GJ1XDJY Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.49
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 4.99
BioShock [Mac Download] - 4.99
BioShock 2 [Mac Download] - 4.99
Titan Quest Gold - 3.99
Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Sonic Generations - 7.49
Sonic Generations Casino Night DLC - 0.39
Sonic The Hedgehog 4 Episode 1 - 2.49
Sonic The Hedgehog 4 Episode 2 - 3.7475
Viking: Battle For Asgard - 3.7475
Total War: ROME II - 39.99
Total War: ROME II: Greek States Culture Pack - 5.9925
Warhammer 40,000: Dawn of War II - 4.99
Warhammer 40,000: Dawn of War II - Chaos Rising - 4.99
Warhammer 40,000: Dawn of War II: Retribution - 7.49
Total War Master Collection - 16.99
Warhammer 40,000: Dawn of War II: Complete Collection - 24.99
Rocksmith - 7.49
Might & Magic Heroes VI: Complete Edition - 9.99
Anno 2070 Complete Edition - 12.49
Tom Clancy's Ghost Recon Future Soldier - 4.99
Tom Clancy's Ghost Recon Future Soldier - Deluxe Edition - 7.99
Tom Clancy's Splinter Cell Blackbullet - 29.99
Rayman Legends - 19.99
Batman: Arkham Origins - 19.99
LEGO Marvel Heroes - 19.99

*Starts 11/29/2013*

30 Day Membership: RuneScape 3 [Game Connect] - 3.95
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
Stellar Impact - Support Ship DLC - 0.49
Stellar Impact - Artillery Ship DLC - 0.49
Stellar Impact - Carrier Ship DLC - 0.49
Stellar Impact - Science Vessel DLC - 0.49
RIP Trilogy - 1.24
Specforce - 1.24
Alpha Prime - 1.24
Biathlon 2009 - 1.24
Chains - 1.24
Greed - 1.24
GTI Racing - 1.24
Ice Land 2 - 1.24
Nikopol-Secret of the Immortals - 1.24
Obulis - 1.24
Race Team Manager - 1.24
Space Trader - 1.24
Vigil: Blood Bitterness - 1.24
Winter Sports 2009 - 1.24
Vigil: Blood Bitterness - 1.24
RIP Trilogy - 1.24
Chains - 1.24
Obulis - 1.24
Nikopol-Secret of the Immortals - 1.24
Alpha Prime - 1.24
Deadly 30 - 1.24
Hacker Evolution: Untold - 1.49
The Chosen-Well of Souls - 1.49
Chrome - 1.79
Chrome - 1.79
Battle Mages - 1.99
Gear Grinder - 1.99
Daemonica - 2.49
Shadowgrounds - 2.49
Tank Universal - 2.49
Tank Universal - 2.49
Stellar Impact - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Bridge Constructor - 2.49
Family Vacation - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Scratches - Director's Cut - 2.49
Trapped Dead - 2.49
Post Apocalyptic Mayhem - 2.49
Al Emmo and The Lost Dutchman's Mine - 2.49
Australia Zoo Animal Links - 2.49
Avencast: Rise of the Mage - 2.49
Bus Driver - 2.49
Crash Time 2 - 2.49
Dark Matter - 2.49
Future Wars - 2.49
Hacker Evolution - 2.49
Hard Truck: Rise of the Clans - 2.49
Operation Matriarchy - 2.49
Penguins Arena - 2.49
Space Hack - 2.49
Xpand Rally Xtreme - 2.49
Wasteland Angel - 2.49
The Secret Legacy A Kate Brooks Adventure - 2.49
Crash Time 2 - 2.49
Avencast: Rise of the Mage - 2.49
Future Wars - 2.49
Space Trader - 2.49
Grotesque Tactics: Evil Heroes - 2.49
Scratches - Director's Cut - 2.49
Stellar Impact - 2.49
Trapped Dead - 2.49
Penguins Arena - 2.49
Grotesque Tactics 2 Dungeons and Donuts - 2.49
Unstoppable Gorg - 2.49
Battle Mages: Sign of Darkness - 3.79
Hot Dog King - 3.79
Pacific Storm - 3.79
Pacific Storm Allies - 3.79
Shadowgrounds Survivor - 3.79
Pacific Storm Allies - 3.79
Pacific Storm - 3.79
Steller Impact bundle - 3.99
Grotesque Tactics 2 Dungeons and Donuts - 4.99
Big Rig Europe - 4.99
Deer Drive - 4.99
Great Journey - 4.99
Dark Bundle - 6.49
Grotesque pack - 6.49
M4 Danger Pack - 8.29
M4 Family Pack - 8.49
M4 Action Pack - 9.29
Stronghold Crusader HD - 6.99
Space Colony HD - 6.99
BOUNCEBACK- Stronghold HD FREE with Purchase of Stronghold Kingdoms (B0083LD2TE) - 0
Mighty Castle Pack: Stronghold Kingdoms [Instant Access] - 4.99
Top Gun Hard Lock - 2.49
http://www.amazon.com/dp/B00DCDTSRI PAYDAY 2 - 9.99
http://www.amazon.com/dp/B00DGD0DUK PAYDAY 2 4-Pack - 29.99
TAKEDOWN: Red Sabre - 3.68
Brothers - A Tale of Two Sons - 7.49
Marlow Briggs and the Mask of Death - 7.49
How to Survive - 7.49
Fast and Furious: Showdown - 19.99
The Walking Dead: Survival Instinct - 24.99
The Walking Dead: Survival Instinct - Walker Herd Survival Pack - 2.49
Cabela's Bundle - 24.99
Cabela's Dangerous Hunts 2013 - 14.99
Cabela's Hunting Expeditions - 14.99
Caesar III - 1.49
Transformers: Fall of Cybertron - 29.99
Transformers: War for Cybertron - 9.99
Transformers: War for Cybertron - 9.99
Prototype - 9.99
Prototype - 9.99
Prototype 2 - 19.99
Blockland - 4.99
Blockland - 4.99
3,500 Marvelous Coins: Pandora Saga [Game Connect] - 2.5
7,000 Marvelous Coins: Pandora Saga [Game Connect] - 5
14,000 Marvelous Coins: Pandora Saga [Game Connect] - 10
35,000 Marvelous Coins: Pandora Saga [Game Connect] - 25
70,000 Marvelous Coins: Pandora Saga [Game Connect] - 50
3,500 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 2.5
7,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 5
14,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 10
35,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 25
70,000 Marvelous Coins: Shin Megami Tensei: Imagine [Game Connect] - 50
3,500 Marvelous Coins: Battle Space [Game Connect] - 2.5
7,000 Marvelous Coins: Battle Space [Game Connect] - 5
14,000 Marvelous Coins: Battle Space [Game Connect] - 10
35,000 Marvelous Coins: Battle Space [Game Connect] - 25
70,000 Marvelous Coins: Battle Space [Game Connect] - 50
GRID 2 - 15.99
F1 2012 - 12.49
Dirt 3 - 12.49
Dirt Showdown - 14.99
GRID - 7.49
F1 2011 - 14.99
Operation Flashpoint Red River - 7.49
Operation Flashpoint Dragon Rising - 7.49
Overlord - 1.99
Overlord 2 - 4.99
F1 2010 - 12.49
Hospital Tycoon - 1.99
Clive Barkers Jericho - 1.99
Overlord Raising Hell - 4.99
Rise of the Argonauts - 4.99
Maelstrom: The Battle for Earth Begins - 1.99
Damnation - 4.99
F1 Race Stars - 9.79
Codemaster Action Pack - 9.49
F1 2013 - 31.99
F1 2013 Classic Edition - 41.49
Racing Pack (GRID + Dirt 3 + Dirt Showdown) - 9.99
Crysis 3 Complete Pack - 9.99
Dead Space 3 Complete Pack - 15.99
Need for Speed Bundle - 19.99
The Secret World - 10.19
MonstaFish - 1.99
Frozen Hearth - 8.25
Uprising 44: The Silent Shadows - 4.99
Bounders & Cads - 2.49
Tabletop Defense - 3.33
Don't Starve - 7.495
Castlevania: Lords of Shadow - Ultimate Edition - 14.99
Pro Soccer Evolution 2014 -
Kingdom Tales - 6.6933
1953 KGB Unleashed - 9.995
Agricultural Simulator 2012 - 4.995
Bridge Project - 9.995
Farming Giant - 9.995
I Am Vegend - 4.995
Agricultural Simulator 2011 Gold Edition - 3.7475
Chernobyl Terrorist Attack - 2.4975
Farm 2 - 2.4975
GTR Evolution - 3.7475
Hotel - 1.7475
Snowcat Simulator 2011 - 4.9975
Sudokuball Detective - 2.4975
The Surfer - 2.4975
Where Angels Cry - 2.4975
Woodcutter Simulator 2012 - 4.9975
Zooloretto - 2.4975
Papo & Yo - 3.7475
Papo & Yo (Game and Soundtrack Edition) - 4.2475
Europa Universalis IV - 19.99
Europa Universalis IV Digital Extreme Edition - 22.29
Paradox Action Pack - 5.99
Paradox Grand Strategy Pack - 14.99
Aliens vs. Predator - 3.59
Swarm Pack - 1.87
Bughunt - 1.87
Aliens vs. Predator Collection - 5.99
Jet Set Radio - 2.49
Alpha Protocol - 3.74
Space Siege - 3.74
10 Gold: Age of Wushu [Instant Access] - 2.7
100 Gold: Age of Wushu [Instant Access] - 27
200 Gold: Age of Wushu [Instant Access] - 54
30 Gold: Age of Wushu [Instant Access] - 8.1
300 Gold: Age of Wushu [Instant Access] - 81
50 Gold: Age of Wushu [Instant Access] - 13.5
It came from space, and ate our brains - 0.99
Defiance - 4.99
Defiance Digital Deluxe Edition - 14.99
Defiance Digital Deluxe Upgrade - 9.99
Bastion - 3.69
FEAR Ultimate Shooter Edition - 2.49
LEGO Batman - 4.99
LEGO Batman 2: DC Super Heroes - 7.49
LEGO Batman Pack - 11.49
LEGO Harry Potter: Years 5-7 - 4.99
LEGO Harry Potter: Years 1-4 - 4.99
LEGO Lord of the Rings - 7.49
Mortal Kombat Arcade Kollection - 2.49
Scribblenauts Unmasked - 26.79
Vanguard Princess - 2.5
FIFA 14 - 29.99
FIFA 14 [PC Instant Access] - 29.99
FIFA Manager 14 Legacy Edition - 13.99
Need For Speed Rivals - 35.99
SimCity [PC Instant Access] - 29.99
SimCity - Standard (Online Game Code) - 29.99
SimCity Cities of Tomorrow - 26.99
Sega Fun Pack - 9.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
The Last Remnant - 2.99
Dungeon Siege 3 Pack - 2.99
Quantum Conundrum + DLC - 6.99
Dungeon Siege - 1.99
Dungeon Siege II - 2.99
Mini Ninja + Quantum + Seasons of Mystery - 9.99
Legacy of Kain Pack - 3.99
http://www.amazon.com/dp/B00GJ2I1UE LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - 14.99
http://www.amazon.com/dp/B00GJ2I2GW Scribblenauts Pack - 14.99
Call of Duty: Ghosts - 44.99
Call of Duty: Ghosts Hardened Edition - 99.99
DuckTales: Remastered - 7.49
EVE Online: Starter Pack - Caldari Bounty Hunter - 0.99
Eve Online: Starter Pack - Caldari Explorer - 0.99
EVE Online: Starter Pack - Asteroid Miner - 0.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 0.99
Metro 2033 - 3.74
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 14.99
Saints Row: The Third - 5
Saints Row the Third - The Full Package - 7.5
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
EVE Online: Starter Pack - Plasma Planet Command - 0.99
Battlefield 4 - 29.99
Battlefield 4 [PC Instant Access] - 29.99
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
http://www.amazon.com/dp/B007VFH3BQ Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
Final Fantasy VII - 5.99
Assassin's Creed III - 7.49
Assassin's Creed III - 7.49
Assassins Creed III: Deluxe Edition - 14.99
Far Cry 3 Deluxe + Far Cry 3 Blood Dragon Bundle - 14.99
Might&Magic X Legacy Early-Access - 19.99
Far Cry 3 + Far Cry 3 Blood Dragon Bundle - 14.99
Rocksmith 2014 - 39.99
Mortal Kombat Komplete Edition - 14.99


important !important !important
*Starts 11/30/2013*

Party of Sin - 2
Party of Sin - 2
EVE Online: Starter Pack - Caldari Bounty Hunter - 4.99
Eve Online: Starter Pack - Caldari Explorer - 4.99
EVE Online: Starter Pack - Asteroid Miner - 4.99
EVE Online: Starter Pack - Minmatar Arms Dealer - 4.99
EVE Online: Starter Pack - Plasma Planet Command - 4.99
Darksiders - 3.99
Darksiders II - 9.99
Darksiders II Season Pass (DLC) - 3.99
Street Fighter X Tekken - 14.99
Street Fighter X Tekken Complete Pack - 29.99
Metro 2033 - 7.49
Metro Last Light - 26.99
Metro Last Light: Ranger Mode DLC - 3.33
Metro: Last Light - Season Pass - 9.99
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 36.66
Saints Row: The Third - 9.99
Saints Row the Third - The Full Package - 14.99
Saints Row 2 - 7.49
Saints Row IV - 33.33
Saints Row Franchise Pack - 53.32
Impire: Creatures of the Night DLC - 0.99
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2 - Lofty Landmarks DLC - 1.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion 2: Metro Madness DLC - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Bus Mania - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Metro Madness - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Trekking Trolleys - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Cities in Motion II: Wending Waterbuses - 2.49
Hearts of Iron III - 4.99
Hearts of Iron III - 4.99
Magicka - 4.99
Cities in Motion II - 9.99
Cities in Motion II - 9.99
Impire - 9.99
Magicka Collection - 9.99
War of the Roses Kingmaker - 9.99
Europa Universalis III Chronicles - 14.99
Hearts of Iron III Collection - 14.99
Hearts of Iron III Collection - 14.99
Mount & Blade Collection - 14.99
Crusader Kings II - 19.99
Battlefield 4 - 39.99
Battlefield 4 [PC Instant Access] - 39.99

*Starts 12/01/2013*

Trainz Trouble - 2.49
My First Trainz Set - 4.99
Trainz Simulator 12 - 19.99
Trainz Simulator 2010 Engineers Edition - 4.99
Trainz Simulator: Blue Comet Addon Pack [Game Download - 4.99
Trainz Simulator 2009: World Builder Edition [Game Download] - 2.49
Foursquare - 2.49
Slider - 2.49
Word Jungle - 2.49
Casual Strike - 2.99
Jewel Drop - 2.99
Jewel Labyinth - 2.99
Bible Hangman Quest - 2.99
PlayPets: 101 PuppyPets - 2.99
Sonic everywhere pack - 17.49
Neocolonialism - 4
Risen - 4.99
Risen 2 : Dark Waters - 9.99
Risen 2: Dark Waters - A Pirate's Clothes DLC - 1.49
Risen 2: Dark Waters - Treasure Isle DLC - 4.99
Risen 2: Dark Waters - The Air Temple DLC - 4.99
Risen 2 Bundle - 14.99
Risen Franchise Pack - 19.99
Sacred 2 Gold - 9.99
Sacred Citadel - 7.49
Sacred Citadel - Jungle Hunt - 2.49
Sacred Franchise Pack (Citadel, S2G, DLC) - 14.99
Dead Island Game of the Year Edition - 9.99
Dead Island Riptide - 19.99
Dead Island Riptide: Fashion Victim DLC - 1.33
Dead Island Riptide: Survivor Pack DLC - 3.33
Secret Files - Tunguska - 4.99
Secret Files 2 - Puritas Cordis - 4.99
Secret Files 3 - 9.99

*Starts 12/02/2013*

Street Fighter X Tekken - 7.49
Street Fighter X Tekken Complete Pack - 14.99
Metro 2033 - 3.75
Metro Last Light - 13.6
Metro Last Light: Ranger Mode DLC - 1.7
Metro: Last Light - Season Pass - 5.1
Metro: Last Light RPK Weapon DLC - 0.66
Metro Franchise Pack - 18.7
Saints Row: The Third - 4.99
Saints Row the Third - The Full Package - 7.49
Saints Row 2 - 3.75
Saints Row IV - 14.99
Saints Row Franchise Pack - 27.2
Risen - 1.99
Risen 2 : Dark Waters - 4
Risen 2: Dark Waters - A Pirate's Clothes DLC - 0.6
Risen 2: Dark Waters - Treasure Isle DLC - 1.99
Risen 2: Dark Waters - The Air Temple DLC - 1.99
Risen 2 Bundle - 5.99
Risen Franchise Pack - 7.99
Sacred 2 Gold - 4.99
Sacred Citadel - 3.75
Sacred Citadel - Jungle Hunt - 1.25
Sacred Franchise Pack (Citadel, S2G, DLC) - 7.5
Dead Island Game of the Year Edition - 5
Dead Island Riptide - 7.5
Dead Island Riptide: Fashion Victim DLC - 0.6
Dead Island Riptide: Survivor Pack DLC - 1.25
Dead Island Franchise Pack (GOTY, Riptide + DLCs) - 12.5
Secret Files - Tunguska - 2.5
Secret Files 2 - Puritas Cordis - 2.5
Secret Files 3 - 5
Battlefield 3 - 4.79
Battlefield 3 [PC Instant Access] - 4.79
Impire: Creatures of the Night DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2 - Lofty Landmarks DLC - 0.75
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion 2: Metro Madness DLC - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Bus Mania - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Metro Madness - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Trekking Trolleys - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Cities in Motion II: Wending Waterbuses - 1.25
Hearts of Iron III - 2.49
Hearts of Iron III - 2.49
Magicka - 2.49
Cities in Motion II - 4.99
Cities in Motion II - 4.99
Impire - 4.99
Magicka Collection - 4.99
War of the Roses Kingmaker - 4.99
Europa Universalis III Chronicles - 7.49
Hearts of Iron III Collection - 7.49
Hearts of Iron III Collection - 7.49
Mount & Blade Collection - 7.49
Crusader Kings II - 9.99
Company of Heroes 2: Theatre of War - Case Blue DLC Pack - 4.99
Company of Heroes 2 (Digital Collectors Edition) - 49.99
Company of Heroes 2 (Standard Edition) - 29.99
Company of Heroes 2 Barbarossa Skin Pack - 9.99
Company of Heroes 2 Starter Camo Bundle - 3.99
Company of Heroes 2 Starter Commander Bundle - 4.49
Total War Grand Master Collection - 29.99
Sonic Adventure - 2.2375
Crazy Taxi - 2.2375
SEGA Bass Fishing - 2.2375
Space Channel 5: Part 2 - 2.2375
Dreamcast Collection - 6.99
Warhammer 40,000: Space Marine - 6.99
Warhammer 40,000: Dawn of War 1 & 2 Franchise Collection - 29.99
Company of Heroes - 2.49
Company of Heroes - Opposing Fronts - 4.99
Company of Heroes - Tales of Valor - 4.99
Company of Heroes - Complete Pack - 7.49
Tomb Raider - 9.99
Hitman: Absolution - 4.99
Hitman Absolution: Professional Edition - 7.49
Sleeping Dogs - 4.99
Deus Ex: Human Revolution - Standard Edition - 3.99
Deus Ex: Human Revolution - Augmented Edition - 6.09
Just Cause 2 + DLC - 4.99
Tomb Raider: Underworld - 2.99
Lara Croft and the Guardian of Light - 1.99
Hitman Triple Threat Pack - 3.99
Hitman 2: Silent Assassin - 1.99
Hitman: Blood Money - 2.99
Thief Deadly Shadows - 2.99
Thief Gold - 1.99
Thief in the shadows pack - 4.99
Final Fantasy XI: Seekers of Adoulin - 9.99
FINAL FANTASY XI Ultimate Collection Seekers Edition - 14.99
Final Fantasy VII - 5.49
The Last Remnant - 2.99
Dungeon Siege 3 Pack - 2.99
Quantum Conundrum + DLC - 6.99
Dungeon Siege - 1.99
Dungeon Siege II - 2.99
Mini Ninja + Quantum + Seasons of Mystery - 9.99
Legacy of Kain Pack - 3.99
Rocksmith - 7.49
Might & Magic Heroes VI: Complete Edition - 9.99
Anno 2070 Complete Edition - 12.49
Tom Clancy's Ghost Recon Future Soldier - 4.99
Tom Clancy's Ghost Recon Future Soldier - Deluxe Edition - 7.99
Tom Clancy's Splinter Cell Blackbullet - 29.99
Rayman Legends - 19.99
LEGO Heroes Pack (LEGO HP 5-7 + LEGO Batman 2 + LEGO LotR) - 14.99
Mortal Kombat Komplete Edition - 14.99
Skulls of the Shogun: Bone-a-Fide Edition - 4.99


Video Games Deals

Amazon Coupons
g: 0 Posted By: Pizzero
Views: 28 Replies: 0 Receive a $5 Off coupon for every $25 spent on the online purchase of a gift card ( E - Gift Card or Plastic Gift Card)

Gift Card Here...
Gifts Deals
g: -2 Posted By: remick
Views: 206 Replies: 0 Technical Analysis of Gaps: Identifying Profitable Gaps for Trading
http://www.amazon.com/dp/B0089EM3GI

Gaps have attracted the attention of market technicians from the earliest days of charting. Theyre not merely conspicuous: they represent price jumps that could signal profitable trading opportunities. Until now, however, "folklore" about gap trading has been common, and tested, research-based knowledge virtually nonexistent. In Technical Analysis of Gaps, renowned technical analysis researchers Julie Dahlquist and Richard Bauer change all that. Drawing on 60 years of comprehensive data, they demonstrate how to sort "strategic" gaps from trivial ones, and successfully trade on gaps identified as significant. Building on work that recently earned them the Market Technicians Associations 2011 Charles H. Dow Award for creativity and innovation in technical analysis, Dahlquist and Bauer offer specific gap-related trading tips for stocks, futures, and options. They consider a wide variety of market conditions, including gap size, volume and previous price movement, illuminating their findings with easy-to-understand diagrams. Coverage includes: understanding what gaps are and how they arise; recognizing windows on candlestick charts; identifying gaps with superior profit potential; combining gaps with other technical techniques for a more complete and effective analysis; and putting it all together with real trading strategies. For stock, commodity, and currency traders in the U.S. and worldwide, and for active individual investors seeking new ways to maximize returns.


Technical Analysis Trading Methods and Techniques (Collection)
)http://www.amazon.com/dp/B006MQD70Q

Three indispensable books reveal little-known technical and psychological techniques for outperforming the market and beating the traders youre up against!

Three remarkable books help you leverage powerful, little-known insights from technical analysis and behavioral economics to consistently outperform the market! In George Lindsay and the Art of Technical Analysis, Ed Carlson resurrects the nearly-forgotten technical analysis techniques created by the eccentric genius who called the beginning and end of historys greatest bull market, within days! Carlson reveals why George Lindsays techniques are especially valuable right now, demonstrates their power visually, simply, and intuitively and shows how to make the most of them without strong mathematical expertise. Next, Mastering Market Timing combines the powerful, long-proven technical analysis methods of Richard D. Wyckoff with the world-renowned analysis of Lowry Research -- sharing deep new price/volume insights you can use to uncover emerging trends faster, even if youre entirely new to technical analysis. Finally, in Trade the Trader, Quint Tatro focuses on the real zero-sum nature of trading, helping you understand the traders youre up against, anticipate their moves, outwit them and beat them!

From world-renowned investing and trading experts Ed Carlson, Richard A. Dickson, Tracy L. Knudsen, and Quint Tatro
Books Deals

Amazon Coupons
Pokemon X $1.64 at overstock.com
Added on : Friday November 15th 2013 06:00:01 AM
g: 0 Posted By: omnizero
Views: 1 Replies: 0 I don't know if it's their deal of the day or a typo.

http://www.overstock.com/Books-Movies-Music-Games/Nintendo-3DS-P...
3DS Games Deals

Overstock Coupons
GoG.com Insomnia Sale - up to 80% off
Added on : Wednesday November 13th 2013 08:00:04 AM
g: 0 Posted By: Hoogineer
Views: 222 Replies: 13 GoG

Woot-like sale of DRM-free games. Limited number of purchases at set price and then onto the next title.

Shadow Man: $2.39 (-60%)
...
Wing Commander 4: $1.50
Strike Suit Zero: $4.99 (-75%)
Aquanox: $1.49 (-75%)
Space Colony HD: $2.49 (-75%)

Edit: This took too long to post initially, so I lost track of the next couple titles.

Edit: Subsequent titles will come as additional posts to keep thread current / timely.
Video Games Deals
Nikon P-223 3-9x40 Mate BDC 600 $149.98 @ Amazon.com
Added on : Wednesday November 13th 2013 03:00:01 AM
g: 0 Posted By: SilverII
Views: 177 Replies: 0 Link

BDC 600 Reticle-Developed specifically for the trajectory of the .223 Rem /5.56 NATO round with 55-grain polymer tip bullet, the BDC 600 reticle offers shooters unique open circle aiming points and hash marks from 100 to 600 yards.
Precise, 1/4-MOA Hand-turn Tactical-Style, Zero-Reset Turrets-Positive click reticle adjustments get you zeroed in quicker and maintain your setting?even withrepeated recoil.
100-yard Parallax Setting-Eliminates parallax for precise shooting.
Waterproof/Fogproof-Nitrogen filled and O-ring sealed
Generous, Consistent Eye Relief-Keeps your brow safe?even with the heaviest recoiling cartridges, lightweight rifles, and severe shooting angles.

Guns & Ammo Deals

Amazon Coupons
EoTech 512 Holographic Sight - $335 after rebate @ Botach
Added on : Monday November 11th 2013 03:00:07 PM
g: 0 Posted By: Northerner26
Views: 136 Replies: 0 EoTech 512 Holographic Sight - $335 after rebate + shipping


Botach Tactical


The Model 512 is the most popular model HWS. This tactical optic is perfect for agencies that want the best in CQB speed and versatility, without the need for night vision compatibility.

AA Battery model (supports Lithium and Alkaline)
Reticle: 65 MOA circle with 1 MOA aiming dot
Includes rugged aluminum hood assembly and knobbed, tool-less mounting bolt
Interfaces to 1" Picatinny (MIL-STD-1913) or Weaverrail

Operation

Optics:Transmission holography - parallax free
Magnification:1x
Eye Relief:Unlimited
Length/Width/Height:5.4"x2"x2.25" (137x50.8x57 mm)
Weight:10.9 oz (309 grams)
Temperature:-40 to 150 F (using AA lithiums); -20 to 140 F (all other battery choices)
Waterproof:Submersible to 10 ft depth
Sealing:Fogproof internal optics
Adjustment (per click):0.5 MOA (1/2" at 100 yds)
Adjustment Range:+/- 40 MOA travel
Mount:1" Picatinny (MIL-STD-1913) or Weaver rail
Return to Zero:Repeatable to 1 MOA after re-mounting

Heads-Up-Display Window

Optical Surfaces:Anti-glare coating
Window Dimensions:1.20" x 0.85" (30 x 23mm)
Front Window Material:1/8" solid glass
Rear Window Material:Shatter resistant laminate (3/16" thick)
Field of View (100 yds):30 yds (28m) at a 4" eye relief

Electrical

Brightness Adjustment Range:110,000:1 brightest to lowest
No Night Vision Compatibility
Power Source:2x 1.5V AA batteries (supports lithium, alkaline, or rechargeable)
Battery Life:1,000 continuous hours (lithium) at nominal setting 12; 600 continuous with AA alkaline
Brightness Settings:20 settings with scrolling feature
Auto Battery Check Indicator:Flashing reticle upon start-up
Auto Shut-down:At 8 hrs- programmable to 4 hrs



Guns & Ammo Deals
Guns - .750 low profile Zero Hour gas block $19 + $5 Flat shipping
Added on : Friday November 08th 2013 08:00:03 AM
g: 0 Posted By: tedhawkins
Views: 59 Replies: 0 Guns - .750 low profile Zero Hour gas block $19 + $5 Flat shipping

http://www.gearhog.com/

Deal Overview
-Low profile gas block
-Optimal for free float hand guards
-Fits .750 standard AR/M4 barrels
-Mounts with two set screws
-Phosphate coated 1018 steel
-Made in the USA

Zero Hour Brand
Our 100% U.S. manufactured firearm accessory line that is designed to meet the rigorous demands of military, law enforcement,
and civilian shooters alike. Built with precision and the highest quality domestically manufactured materials,
Zero Hour products will enhance any firearm they are placed upon.
Guns & Ammo Deals
g: 0 Posted By: Logan71
Views: 24 Replies: 0 I ran across a post earlier today that was unsettling, but yet debated hotly. I'm not sure of the perspectives of others, but when it's the CBO that's being referenced, I tend to pay a little attention. Granted, FWF is not my 'blog', but I thought discussion here might be insightful.

The CBO projects Medicare/Medicaid/Obamacare spending will exceed 100% of federal tax revenue in about 75 years (used to be 50 years before Obamacare, so it's bought us 25 years). The programs badly need to be reformed, but a particular party keeps blocking any attempts to reform them, saying we can fix things by cutting military spending instead. That used to be true in the 1960s, when military spending was over half the budget; but it's now less than 1/5th the budget. You could reduce military spending to zero and the entitlement programs would still be bankrupting us. None of this is meant as a criticism of the concept of entitlement programs or an endorsement of military spending. I'm just saying whatever you choose to fund, you have to make sure you fund it in a way that's sustainable.

You should put aside any preconceived notions you have and read the CBO's long term budget outlooks some time. They lay it out in black and white what's causing the budget problems, and what we need to do to fix it. They come out with a new version every 1-2 years.
http://www.cbo.gov/publication/44521
Discussion Deals
gamefly: $7.19AC Command & Conquer: The Ultimate Collection (download)
Added on : Friday November 01st 2013 03:00:07 PM
g: 0 Posted By: VivYip
Views: 0 Replies: 0 credit dealnews

GameFly has this item for $7.19 after coupon code GFDNOV20

Command & Conquer: The Ultimate Collection
This incredible value includes:

17 Command & Conquer titles via digital download, updated to run on the Windows Vista and Windows 7 operating systems
A compilation of the best music spanning the Command & Conquer universe (download- North America ONLY)
Early access to the next Command & Conquer game.
This amazing collection includes 17 Command & Conquer titles, via digital download:
Command & Conquer
Command & Conquer The Covert Operations
Command & Conquer Red Alert
Command & Conquer Red Alert Counterstrike
Command & Conquer Red Alert The Aftermath
Command & Conquer Tiberian Sun
Command & Conquer Tiberian Sun Firestorm
Command & Conquer Red Alert 2
Command & Conquer Red Alert Yuris Revenge
Command & Conquer Renegade
Command & Conquer Generals
Command & Conquer Generals Zero Hour
Command & Conquer 3 Tiberium Wars
Command & Conquer 3 Kanes Wrath
Command & Conquer Red Alert 3
Command & Conquer Red Alert 3 Uprising
Command & Conquer 4 Tiberian Twilight

Hope this might help someone. Thank you for reading
g: 3 Posted By: horizon6
Views: 259 Replies: 1 Camera at Staples.com("Regulalry" $99.95 before "Save" and "Instant Savings")
Use $50 off Coupon Code at checkout: 49926
for $29.95 price

Free shipping for Rewards Members
+ Rewards Points
+ FW Cash Back

YMMV: Clearence, supply may be limited

The small camera with a big performance. The FinePix T400 packs intelligent scene recognition, 16-megapixels and a 10x optical zoom into a body that is so compact it fits in every pocket, purse or bag.

16.0 megapixels
Zoom: 7.2x Digital with 10x Optical
3.0-inch TFT color LCD monitor Display
Storage Media: SD/SDHC/SDXC memory card, zero internal memory
File format: jpeg
Image sensor: 1/2.3-inch CCD with primary color filter
Aperture: F3.4 / F8.4 (Wide), F5.6 / F14 (Telephoto) with ND filter
Image stabilizer: CCD shift type
Face detection: yes
Shutter speed: (Auto mode) 1/4sec. to 1/2000sec., (All other modes) 8sec. to 1/2000sec. with mechanical shutter
Movie recording: 1280 x 720 pixels / 640 x 480 pixels / 320 x 240 pixels (30 frames/sec.) with monaural sound
Digital interface: USB 2.0, Video Output: NTSC / PAL selectable with monaural sound
Power supply: Li-ion battery NP-45A
Dimensions: 4.1 (W) x 2.3 (H) x 1.1 (D) in, Weight 5.6 oz
Accessories included: Li-ion battery NP-45A, AC power adapter, USB cable, Hand strap, CD-ROM and Owner's manual

Cameras Deals

Staples Coupons
g: 2 Posted By: tedhawkins
Views: 191 Replies: 0 Guns - Vortex Crossfire II 4-12x44 (Dead-Hold BDC Reticle) + Riflescope Rings + Vortex Hat (was $264) $169.99 FS

http://www.gearhog.com/

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

Construction Features:
* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
* Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
* Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.

Convenience Features:
* Fast Focus Eyepiece - Allows quick and easy reticle focusing.
* Sunshade - Reduces glare and sun reflection off the objective lens.
Guns & Ammo Deals
g: 1 Posted By: MISTERCHEAP
Views: 292 Replies: 2 The Princeton NJ Public School system has announced a one time sale of fairly new pianos, acoustic and electric guitars, violins and digital pianos. Most have been used under 1 year, will include a new factory warranty and will be tuned for free prior to sale.

DELIVERY (at a cost) AND ZERO INTERERST FINANCING ARRANGEMENTS ARE AVAILABLE AT THE SALE!!

You are invited to attend a "private sale" on Fri 11/8 or Sat 11/9 before the sale is open to the general public. To get a "special" appointment ahead of the general public, YOU MUST CALL 609-806-4321

The event will be held at PRINCETON HIGH SCHOOL PERFORMING ARTS CENTER at Franklin Av and Walnut Lane in Princeton NJ.

For directions call 609-806-4321 or use google maps.
RC & Hobbies Deals
g: 0 Posted By: turtlebug
Views: 139 Replies: 0 Link

Carefully selected exotic wood veneers are only the beginning of what makes these knives unique. The stone finished steel blade and Pakka Wood handle is built to last with top quality materials. Pakka wood itself is renowned for its exceptional quality and long-lasting beauty. Each wood veneer handle is implanted with phenolic thermosetting resins, creating durable, dimensionally stable and moisture resistant finishes that will last a lifetime. The implanted color in the Pakka wood and grain structure creates characteristics unique to each piece. Includes: 6 steak knives.

Features:

9in x .75in x .75in steak knives
Thickness: 2.0 mm
Stone finished
Each piece is unique
Pakka wood handle
Stainless steel blade
Knives forged from 420J2 Japanese steel with approximately 53HRC
Sub-zero treated stainless steel
Ergonomically perfect
Not dishwasher safe, hand wash only
Made in China

Home & Garden Deals
My Coke Rewards 17 points (vs 10) per 12pack ZERO Code to 11/3
Added on : Wednesday October 30th 2013 04:00:06 AM
g: 0 Posted By: MISTERCHEAP
Views: 288 Replies: 0 http://www.mycokerewards.com/home.do

see blurb at landing page.
Services Deals
MCR My Coke Rewards - Free Powerade Zero Drops
Added on : Tuesday October 29th 2013 12:00:09 PM
g: 2 Posted By: baileysf
Views: 285 Replies: 6 Entercode DROPSlebron for your free POWERADE ZERO DROPS. Coupon expires 12/31/13.

You can enter the code as you normally would on MCR My Coke Rewards.
Memberships & Services Deals
MCR My Coke Rewards - Free Powerade Drops
Added on : Tuesday October 29th 2013 11:00:09 AM
g: 0 Posted By: baileysf
Views: 0 Replies: 0 Check out http://fullofdeals.com/redirect/bounce.php?afsrc=1&mid=18063710&eurl=https%3A%2F%2Ftwitter.com%2Fsearch%3Fq%3D%2523LeBronTime%26src%3Dhash&orig=forums.free-stuff http://fullofdeals.com/redirect/bounce.php?afsrc=1&mid=18063710&eurl=http%3A%2F%2Ft.co%2FlR9UO5gR1x&orig=forums.free-stuff and head to http://fullofdeals.com/redirect/bounce.php?afsrc=1&mid=18063710&eurl=http%3A%2F%2Ft.co%2Fz8hsbgybRm&orig=forums.free-stuff to get your free POWERADE ZERO DROPS with code DROPSlebron

You can enter the code as you normally would on MCR as well.
Free Auvi-Q Epinephrine Auto Injector
Added on : Saturday October 26th 2013 03:00:04 PM
g: 0 Posted By: returnofmom
Views: 79 Replies: 0 This coupon will pay for your copay amount for up to $100.00 for a two pack.

For those that need an epinephrine injector this one is so small (when compared to the EpiPen) and is very easy to use. It actually verbally walks you through the injection process step-by-step.

Offer is for up to three injectors at one time. Valid through 12/31.

http://www.auvi-q.com/Media/pdf/Zero-Coupon.pdf
Health & Beauty Deals
g: 0 Posted By: tedhawkins
Views: 127 Replies: 0 Vortex Riflescope Crossfire II 2-7x32 (V-Plex Reticle) Matte Black (Standard or Rimfire Available, Your Choice) + Vortex Riflescope Crossfire II 2-7x32 (V-Plex Reticle) Matte Black (Standard or Rimfire Available, Your Choice) + a set of Vortex 1-Inch (MED) Riflescope Ring, a Vortex Hat (Was $219.99) @ $119.99 FS

http://www.gearhog.com/

Deal Overview
Clearer. Tougher. Brighter. Our popular Crossfire riflescopes are completely redesigned and built to exceed the performance standards of similarly-priced riflescopes. Longer eye relief, a fast-focus eyepiece, fully multi-coated lenses and improved, resettable MOA turrets ensure optimal performance in the field. The hard anodized one-piece aircraft-grade aluminum tube is nitrogen purged and o-ring sealed for a lifetime of waterproof/fogproof performance. The Crossfires deliver -- and then some.

Optical Features:
Fully Multi-Coated Lenses - Increase light transmission with multiple anti-reflective coatings on all air-to-glass surfaces.

Construction Features:
* One-Inch Tube - Standard tube diameter for most American riflescopes.
* One-Piece Tube - Maximizes alignment for improved accuracy and optimum visual performance as well as strength and waterproofness.
* Aircraft-Grade Aluminum - Premium grade of aluminum, valued for fatigue resistance.
* Capped Turrets - Is less susceptible to accidental impact damage.
* Adjustable Objective - Uses an adjustment mechanism on the objective lens to fine-tune focus for the purpose of reducing parallax shooting error.
* Reset Turrets - Allow re-indexing of the turret housing to zero after sighting in the riflescope--generally requires use of a coin or wrench.
* Waterproof - o-ring seals prevent moisture, dust, and debris from getting inside the tube for reliable performance in all environments.
* Fogproof - Filled with nitrogen gas to inhibit internal fogging.
* Shockproof - Lenses are locked in place, fore and aft, with machined locking rings to remain in perfect alignment and withstand recoil and impact.
* Hard Anodized Finish - Hard-coat anodization is durable; the low-glare matte helps camouflage the shooter's position.
Guns & Ammo Deals
Here we go again: meet CRO - Collateralized Rent Obligations
Added on : Friday October 25th 2013 01:00:15 PM
g: 0 Posted By: neophyte
Views: 15 Replies: 0 I've heard a tidbit on Bloomberg TV, and followed the rabbit's hole: Blackstone is about to introduce rental-backed bonds aka CROs - Collateralized Rent Obligations

We all remember the CDO debacle; well it crushed the RE prices so Blackstone and others were loading up thousands upon thousands of RE units at discount and converting them to rentals (remember, we are having the miraculous RE recovery going)

Well, they were so successful they became the biggest investors in single-family rental homes, so what you'd think they will do - ride this recovery and sell at profit or keep renting for a cash flow why letting the capital gains to accumulate ?

Nope, how wrong and naive are we, why should they wait and risk the exposure to to downside - they will Collateralize instead !!!
Jump in investors, you can't possibly lose on rentals

Some reading:
Blackstone's rent-secured bonds sound too familiar
Here We Go Again: Step Aside RMBS, Rent-Backed Securities Are Here, And With Them The Beginning Of The End
Home rental bond secures credit rating
g: 0 Posted By: DaysFan
Views: 242 Replies: 0 towels

http://www.neimanmarcus.com/




http://www.neimanmarcus.com/Lauren-Ralph-Lauren/Designers/cat27710731/c.cat;jsessionid=A4CD77598BC53B41F931810772A433DE Greenwich Towels
Greenwich Bath Towel, PlainSugg. Retail:$20.00Special Value:$15.00EVENT:$9.99NMF14_H5NXVThis technologically advanced towel, woven of specially engineered yarn for air creation, provides the feel of a zero-twist towel without the harshness that eventually comes from aging and numerous washings.

Woven of specially engineered air-rich cotton for excellent absorbency and a superior loft for an amazingly soft feel.
Machine wash.
Towel becomes even fluffier after each machine wash.
Virtually lint-free.
Bath towel, 30" x 56".
Body sheet, 35" x 66".
Hand towel, 16" x 30".
Face cloth (not available personalized), 13"Sq.
From Lauren Ralph Lauren.
Imported.

You will be able to specify personalization details after adding item(s) to your shopping cart. Please order carefully. Orders for personalized items cannot be canceled, and personalized items cannot be returned.The Suggested Retail Price is the price recommended by the manufacturer. It is neither our present nor our former selling price.DesignerAbout Lauren Ralph Lauren:
What began almost four decades ago with a collection of ties has grown into an entire world redefining American style. Polo Ralph Lauren is a leader in the design, marketing, and distribution of premium lifestyle products in four categories: apparel, home, accessories, and fragrances. For more than 35 years, Polo's reputation and distinctive image have been consistently developed across an expanding number of products, brands, and international markets. The iconic American designer Ralph Lauren translated his classically preppy aesthetic into home decor with the introduction of Lauren Ralph Lauren. The collection features luxurious linens, furnishings, and decorative accessories with fine attention to detail and timeless patterns.


*Free shipping for purchases and returns on most items. Taxes apply to some orders. For a small percentage of items, such as oversized items, items shipped from vendors, or shipments outside of the United States, delivery and processing charges may apply. For complete delivery, shipping, and return and exchange details, including cost and delivery time, visit NeimanMarcus.com and click on Assistance or call 1.800.944.9888.
Home & Garden Deals
Need advice for federal felon
Added on : Wednesday October 23rd 2013 06:00:12 AM
g: 1 Posted By: classicaltutor
Views: 170 Replies: 9 Back story:
My sibling robbed a bank when she was 14 yrs old. She was convicted and has this Federal Offense on her record adjudication not withheld. She is now 30, newly divorced and is realizing that she is not able to get work anywhere. I'm talking not even at McDonald's. Now, I know that a lot of people will say that this is the bed she made etc. etc., but she was VERY young, and influenced by the movie Set It Off. She is the only one out of the 5 that did not get sentenced as an adult to serve time in prison. She was held in a maximum security adult jail for over a year, and was then released on probation. She has not been in trouble since.
My question is, how can she better herself if she can't get a job? What can she do if she is not allowed to work around children, elderly or money? I have encouraged her to go to school, but what should she go for? Has anyone been in a similar situation? She married at 18 and has never worked. She has a slightly below average learning capacity and has ZERO money and no credit. Any suggestions or advice is greatly appreciated.
Personal Finance Deals
g: 21 Posted By: user0001
Views: 4887 Replies: 39 $29 shipped at Amazon (pick sellers Web's Best Deals or DirectDeals4U)
$30 shipped on eBay

You will not find a cheaper simultaneous dual band gigabit USB router! A worthy successor to the hugely popular $22 Belkin single band router. This is essentially the same router but adds the 5GHz band. I have been using this for about a month now with zero problems. Yes, the Belkin FW probably sucks and switching to Tomato was the first thing I did.

F7D4301 Features:
Dual band wireless N300 (Simultaneous, N600 via DD-WRT/Tomato)*
4 Gigabit Ethernet ports
2 USB 2.0 ports
453MHz Broadcom BCM4716 chip rev 1
64MB RAM
8MB flash
DD-WRT compatible
Tomato compatible (see quick summary below)

*There are a few reports that the Belkin F7D8301 (Play Max N600/Play HD N600) has the same exact hardware as the F7D4301. Tomato FW even labels them as the same. I can't confirm that this F7D4301 running Tomato will do 600Mbps but based on reports I would expect it to work.

Prior deal with similar info
Expired F7D7301 $22 deal with tons of info (DO NOT USE ANY FILES - DIFFERENT HW)
Routers Deals
g: 0 Posted By: user0001
Views: 267 Replies: 0 $27 shipped on eBay
$29 shipped at Amazon (pick sellers Web's Best Deals or DirectDeals4U)
$30 shipped on eBay

You will not find a cheaper simultaneous dual band gigabit USB router! A worthy successor to the hugely popular $22 Belkin single band router. This is essentially the same router but adds the 5GHz band. I have been using this for about a month now with zero problems. Yes, the Belkin FW probably sucks and switching to Tomato was the first thing I did.

F7D4301 Features:
Dual band wireless N300 (Simultaneous, N600 via DD-WRT/Tomato)*
4 Gigabit Ethernet ports
2 USB 2.0 ports
453MHz Broadcom BCM4716 chip rev 1
64MB RAM
8MB flash
DD-WRT compatible
Tomato compatible (see quick summary below)

*There are a few reports that the Belkin F7D8301 (Play Max N600/Play HD N600) has the same exact hardware as the F7D4301. Tomato FW even labels them as the same. I can't confirm that this F7D4301 running Tomato will do 600Mbps but based on reports I would expect it to work.

Prior deal with similar info
Expired F7D7301 $22 deal with tons of info (DO NOT USE ANY FILES - DIFFERENT HW)
Routers Deals
Bullish (with data/reasoning) Finance Blogs recommendations ?
Added on : Monday October 21st 2013 09:00:14 AM
g: 0 Posted By: nic3456
Views: 86 Replies: 3 I'm looking for some blog/finance websites that lean more towards how good the economy is trending, etc. I read a lot of Zero Hedge, Sovereign Man, etc which typically point out all the risks to the downsideand want to increase my exposure to thoughts around the upside (if it exists . Any recommendations on Bullish websites with data to backup and not just cheerleaders? (a la CNBC).
General Economics Deals
making my health care expenses tax deductible
Added on : Sunday October 20th 2013 12:00:07 PM
g: 0 Posted By: BradMajors
Views: 103 Replies: 0 * I am self-employed with a HDHP/HSA.
* My annual qualified health care expenses are greater than my annual HSA contribution, and will likely continue to be greater for the foreseeable future.
* The funds in my HSA are close to zero.
* I can not change health insurance before 2014 because of pre-existing conditions.
* I do not want to change health insurance after 2014 because I have a grandfathered health plan and any new plan in 2014 will be much more expensive.

How can I make my health care expenses that are greater than my HSA contribution limit tax deductible?
Tax Deals
FNB Omaha Closed My Visa Account
Added on : Friday October 18th 2013 05:00:06 AM
g: 0 Posted By: jalsman
Views: 4 Replies: 0 Called them today on a routine matter and found out they had closed my Visa account that had a 4K limit, zero balance.

The reason they cited was "excessive inquiries". I had done a mini-AOR with 2 inquiries. I realize that they can close an account for any reason, but this?

Their rewards werent that great and the card had a zero balance, so no big loss.........just advising others of what happened to me.
newegg: $14.97AC Malwarebytes Anti-Malware Pro Lifetime - 1 PC (F/S)
Added on : Thursday October 17th 2013 01:00:02 AM
g: 0 Posted By: VivYip
Views: 0 Replies: 0 Newegg has this item for $14.97 after coupon code EMCWXXN237 with free shippign and no tax in most states

Malwarebytes Anti-Malware Pro Lifetime - 1 PC
Advanced Malware Detection and Removal
Rapid Response Malware Database updates
Real-Time active Malware prevention
Heuristic Protection against New Zero Day infection

The price is very fair for this item. Thank you for reading.
20% Off Any Single Item Purchase YMMV@ HSN
Added on : Tuesday October 15th 2013 06:00:04 PM
g: 0 Posted By: Pizzero
Views: 231 Replies: 0 Coupon code :137836


* Coupon 137836 is a single item offer and is valid for 20% off your next purchase with maximum savings of $25 from HSN TV, HSN2, HSN.com, HSN Mobile or HSN Shop By Remote (where available). Coupons must be applied when order is placed. Excludes shipping & handling, sales tax, Today's Special, This Day Only offers, and clearance items and can only be applied to the first shipment of AutoShip items. The use of this coupon may disqualify the order from inclusion in other promotional offers or discounts. Coupons cannot be applied to or combined with other coupons. Coupon is not valid for Charitable Contributions, HSN Gift Cards or Wines and Alcohol, Electronics, Toys, Fitness, Furniture, and Cricut. We reserve the right to cancel orders when unexpected coupon system errors occur or in the case of abuse, misuse or fraud in connection with the coupon number. Offer is valid 10/15/2013 - 10/17/2013. Coupon Expires on 10/17/2013 at 11:59 PM ET.
Home & Garden Deals

HSN Coupons
g: 0 Posted By: MISTERCHEAP
Views: 194 Replies: 4 http://www.cokezerorewards.com/showLBE.do?id=cokezero&

For each coke zero code you will get

ONE FREE Contest Entry into ESPN.com College Football Sweeps

ONE FREE " " to choose one of 10 prizes

When you enter 5 contest entries in the one of 10 prizes contest, you also receive 20 BONUS MCR POINTS.
Services Deals
g: 0 Posted By: iLetTheDogsOut
Views: 30 Replies: 0 http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&...
Product Description VIZIO E-series E500I-A1 - 50" LED-backlit LCD TV Product Type LED-backlit LCD TV - Smart TV Power Consumption Operational 77.8 Watt Diagonal Size 50" Diagonal Size (cm) 127 cm Dimensions (WxDxH) 44.5 in x 10.4 in x 28.1 in - with stand Weight 43 lbs Resolution 1920 x 1080 Display Format 1080p (FullHD) Motion Enhancement Technology 120Hz Effective Refresh Rate Video Interface Component, composite, HDMI HDMI Ports Qty 4 port(s) Connectivity Wi-Fi, LAN LCD Backlight Technology LED backlight Internet Streaming Services VIZIO Internet Apps (VIA) Additional Features Ambient light sensor (ALS), Zero Bright Defective Pixel Guarantee, Smart Dimming Speaker System 2 speakers Sound Effects SRS TruSurround HD, SRS StudioSound USB Port Yes , 1 port(s) Remote Control Remote control Power AC 120 V ( 50/60 Hz ) Environmental Standards ENERGY STAR Qualified Manufacturer Warranty 1 year warranty
Tax on Inherited House
Added on : Saturday October 12th 2013 04:00:07 AM
g: 0 Posted By: linuspb
Views: 39 Replies: 1 I have a question about taxes on the sale of a home inherited from my Mother in Law. Ten years ago Father in Law dies and Mother in Law deeds the family home to three grown children with a life estate for her. She recently passed away and the family is proceeding to sell the house. The amount of the sale is only $50,000 and is going to be split three ways. How do we report the sale to the IRS since we have owned the house for ten years? The house was given to us so I guess our basis in the home will be zero but do we go by the value of the house at the time it was transferred to us which will leave no gain or is it all income. Any ideas will be appreciated.
Personal Finance Deals
g: 0 Posted By: CowbellMaster
Views: 1 Replies: 0 First, a rant - I know several friends/family that subscribe to the theory of government savings plans through high withholdings. When filling out their federal and state payroll withholding forms, it's "0" all the way, so their paychecks are ravaged but come April they get this "awesome huge refund." No matter how much I try to explain that this is a 0% loan they're giving to their government, they love getting their annual 'bonus'. When my state had a funding issue and delayed refunds until the budget was straightened out, I tried to explain that not only were they get no interest on their 'investment' but as was just demonstrated, there is risk associated with these entities holding their money for them. Still no dice.

So anyways, at least I do what I can to minimize withholdings to the absolute minimum. I do this by roughly calculating my taxable income throughout the year, taking into account large deductions like property, school and state taxes, tax advantaged account contributions (401k, traditional ira, HSA), and various large credits. My primary goals are two-fold:

1) Make sure I pay as close to 90% of my expected tax liability via paycheck withholding (or 100% of last year's liability, if that is lower). I don't mind paying on 4/15, as long as it's not penalized, as that way it's a 0% loan to ME, from the government.
2) Try to adjust my taxable income to slide in under a relatively higher bracket. For me, I try to avoid the 25% bracket, meaning my taxable income for this year should optimally be under $72,500.

Every year around this time I try to gauge my trajectory and make adjustments as necessary. This time around, my taxable income is well into the $80k's (some slight early-year miscalculations on my part) so I've maxed out our HSA 401K contributions to get that level back down. I also miscalculated some credits I thought we were privy to, so I've added an additional few hundred dollars in withholding per paycheck to get me caught up. Luckily, I have enough emergency fund dry powder to get me through the next couple months which will feature extremely anemic paychecks. As every dollar I earn over $72,500 is culled by 25%, I believe it's a worthwhile exercise, even if it comes with some temporary discomfort.

I would like to hear other FWF strategies to zero in on financially optimal withholding? What do you do when unexpected or unaccounted-for income comes in, to keep you on track for that sweet spot of 90% of liability? I'm thinking of setting up a spreadsheet, with expected income to the dollar, and adjust it, and our withholdings, as necessary throughout the year. The goal is to prevent scrambling for major course adjustments at the end of the year.













Maximizing Obamacare ACA Insurance Exchange Subsidies
Added on : Thursday October 03rd 2013 11:00:04 PM
g: 0 Posted By: calwatch
Views: 91 Replies: 0 With the new Affordable Care Act (Obamacare) in place, tax planning is even more Crucial than ever because of the subsidies provided to buy health insurance on an ACA exchange. Through some income shifting, and estimation, on can take advantage of some of the loopholes in the law and gain health insurance at little cost. Conversely, there are many sub-poverty individuals who cannot qualify for Medicaid expansion since their state didn't sign up, but through a back door way can still get affordable insurance simply by making large estimated tax payments to a state or projecting future income above the poverty line. For those near the poverty line in a Medicaid expansion state, paying attention to the deadlines can avoid having to cycle back and forth between private insurance and the Medicaid system, which generally offers far less choice than most exchange plans.

All income referenced to is MAGI (which is AGI plus nontaxable Social Security, tax exempt interest, and foreign earned income). Regulations on premium tax credit (with examples)

Making too much money

If you think the phaseout for the tuition and fees credit or earned income tax credit is abrupt, the ACA phaseout is even more so. At 400% Federal Poverty Limit (FPL) the subsidy is completely eliminated and there is no cap on repayment amount.

So if you are trying to get income below 400% FPL in order to qualify you need to make sure that you'll hit that. The only way to adjust MAGI after December 31 is through deductible IRA/HSA contributions but traditional IRA deductions phase out for single/HOH AGI over ~$60k or MFJ over ~$100k. Since 400% FPL is $62k for a 2 person household and $110k for a 5 person household this quickly becomes nonviable. To qualify for HSA you have to use an HDHP - I have heard of some exchanges with HSA compatible Bronze plans in Obamacare, but you have to be eligible for HSA prior to December 1 of the tax year. So you have to reduce income below 12/31 which means the usual - contribute max to 401ks, 457s, and 403bs, tax loss harvest to get the $3000 capital loss deduction, and advance business expenses. This also makes income spiking a better deal - if you know you aren't going to qualify for the subsidy, then you could opt to spike income by taking bonuses/income or deferring expenses one year to stay far above 400% FPL, while managing expenses and deductions to remain below 400% FPL other years. Also since recoveries like state income tax refund is treated above the line it is important to manage those so that they don't send someone intentionally above 400% FPL.

The same considerations are at the break point at 133% FPL, where there is a 2% MAGI to 3% MAGI jump.

One interesting loophole in the regulations is the maximum recapture limit on the credit, which can have interesting impacts depending on how you estimate your income. Lower income means more subsidies AND access to special Silver plans that have reduced cost sharing. So for instance a single 60 year old declaring $20,000 in annual income (175% FPL) in LA County gets a $470 monthly subsidy for a "Silver 87" plan with a $2250 out of pocket cap. At the end of the year, they really had a $45,000 MAGI (390% FPL). Normally a $45,000 MAGI qualifies for a "Silver 70" plan with a $6350 OOP cap and a $199 monthly subsidy. Now let's say they got the subsidy for 12 months. The maximum recapture limitation (regulations 1.36B-4-a-3) is $1,250 for the year. But the actual "unearned" subsidy for the year is $3,252, and this for a better plan with a $4100 lower out of pocket cap. Thus, $2,002 (the unearned subsidy above $1,250) is now written off, and up to $4,100 in OOP are never incurred. Just make sure you stay below 400% FPL or else you will have to pay the whole subsidy back (although presumably not the out of pocket cost).

Generally, due to time value of money, if you can afford to repay the credit should you estimate wrong, you should do so, since those credits only need to be repaid April 15 after the year that you receive the advance credits. I can't tell if you have to pay estimated tax penalty on advance credit repayments, but most people should avoid them anyway due to the 100% of prior year tax safe harbor rule.

There are better articles that go into the farce of the "estimation" process for ACA subsidies. Still, even without fraud, one could have honest reasons not to report changes in income - perhaps the job is temporary or unstable and you want to wait until it is stable before reporting the change in income. Regardless, you take advantage of the recapture cap.

For those who want to take advantage of the subsidy this makes the usual advice to do Traditional to Roth conversions in low income periods questionable as Roth conversions are in MAGI. While this may not be an issue for higher income or younger people (a 30 or 40 year old making 390% FPL gets no subsidy anyway in CA since the Silver plan is deemed affordable as a share of MAGI), that 40 year old making $20,000 in odd jobs and unemployment gained $2,112 in subsidy. Is it worth it to convert $25,000 in the 401k to Roth to fill the 15% tax bracket (the normal advice), and lose that $2,112, which is in effect another 8% tax on the conversion?

Making too little money

First, for states without Medicaid expansion, for those below 100% FPL who can control their income, the obvious answer is to get more income. Sell and immediately rebuy winning investments to reset basis and create capital gains (which may also qualify for 0% LTCG), move tax inefficient investments to taxable, do 401k/Traditional IRA conversions, get a job, gamble and report your winnings honestly, sell things and report the income with zero basis on the items sold (since you have no documentation proving the acquisition cost), etc.

But what if you didn't have to do that?

From a Bogleheads thread (where I was admonished not to "game the system"):

My reading of the regulations states that, as long as you estimate at the time of enrollment that your MAGI is between 100% and 400% of FPL, that you are still eligible for subsidies, even though your actual income falls below 100% of FPL. This could happen, for instance, if one lost their job in the middle of the year, which takes them below 100% of FPL. Even if they had to pay back subsidies, an additional provision in regulations limits that to $300 for singles, and $600 for other taxpayers.

1.36B2 Eligibility for premium taxcredit.

[...]
(b) Applicable taxpayer(1) Ingeneral. Except as otherwise providedin this paragraph (b), an applicabletaxpayer is a taxpayer whose householdincome is at least 100 percent but notmore than 400 percent of the Federalpoverty line for the taxpayers familysize for the taxable year.
[...]
(6) Special rule for taxpayers withhousehold income below 100 percent ofthe Federal poverty line for the taxableyear. A taxpayer (other than a taxpayerdescribed in paragraph (b)(5) of thissection) whose household income for ataxable year is less than 100 percent ofthe Federal poverty line for thetaxpayers family size is treated as anapplicable taxpayer if
(i) The taxpayer or a family memberenrolls in a qualified health planthrough an Exchange;
(ii) An Exchange estimates at the timeof enrollment that the taxpayershousehold income will be between 100and 400 percent of the Federal povertyline for the taxable year;
(iii) Advance credit payments areauthorized and paid for one or moremonths during the taxable year; and
(iv) The taxpayer would be anapplicable taxpayer if the taxpayershousehold income for the taxable yearwas between 100 and 400 percent of theFederal poverty line for the taxpayersfamily size.

(7) Computation of premiumassistance amounts for taxpayers withhousehold income below 100 percent ofthe Federal poverty line. If a taxpayer istreated as an applicable taxpayer underparagraph (b)(5) or (b)(6) of this section,the taxpayers actual household incomefor the taxable year is used to computethe premium assistance amounts under 1.36B3(d).

1.36B3 Computing the premiumassistance credit amount.

[...]
(d) Premium assistance amount. Thepremium assistance amount for acoverage month is the lesser of
(1) The premiums for the month forone or more qualified health plans inwhich a taxpayer or a member of thetaxpayers family enrolls; or
(2) The excess of the adjustedmonthly premium for the applicablebenchmark plan over 1/12 of theproduct of a taxpayers householdincome and the applicable percentage
for the taxable year.

That "applicable percentage" is defined in 1.36B-3(g) and is 2.0% of household income (MAGI) for those under 200% of FPL.

Also, for those making under 400%, a "repayment" clause applies further limiting the actual tax subsidy repayment for those under 200% FPL to $300 for singles, $600 for all other taxpayers.

1.36B4 Reconciling the premium taxcredit with advance credit payments.
(a) Reconciliation
(1) Coordinationof premium tax credit with advance
credit payments
(i) In general. Ataxpayer must reconcile the amount ofcredit allowed under section 36B withadvance credit payments on thetaxpayers income tax return for ataxable year. A taxpayer whosepremium tax credit for the taxable yearexceeds the taxpayers advance creditpayments may receive the excess as anincome tax refund. A taxpayer whoseadvance credit payments for the taxableyear exceed the taxpayers premium taxcredit owes the excess as an additionalincome tax liability.

(3) Limitation on additional tax(i)In general. The additional tax imposedunder paragraph (a)(1) of this section ona taxpayer whose household income isless than 400 percent of the Federalpoverty line is limited to the amountsprovided in the table in paragraph(a)(3)(ii) of this section (or successortables). For taxable years beginning afterDecember 31, 2014, the limitationamounts may be adjusted in publishedguidance, see 601.601(d)(2) of thischapter, to reflect changes in theconsumer price index.

This refers to a table which shows the maximum subsidy repayment for single taxpayers ("determined under section 1(c)") with MAGI under 200% FPL at $300, or $600 for other taxpayers.

So for sub poverty level in non-Medicaid expansion states the answer is clear - be more optimistic in declaring income. Note that the exchanges do check reduction in income (to qualify for more subsidy) but don't check increase in income (and, even if this were the case, one paycheck from a seasonal job can be extrapolated for the year). For the super honest, Bogleheads had an interesting tactic of prepaying state estimated tax in the previous year and itemizing (taking care to pay more than the standard deduction normally received), and then receiving the entire state tax refund as income, thus generating enough MAGI to go above 100% FPL. An alternative way is to declare cash income from self employment, as described in this great Forbes article (which includes other loopholes and outright frauds).

Unfortunately, this will help dull some of the movement complaining about the "donut hole" in coveragesince some advocacy groups are already publicly encouraging people to be optimistic.

In Medicaid expansion states, there will be those at the low end that want to avoid Medicaid, since the exchanges may offer more choice. Unfortunately premium credits are not available to those who are eligible for Medicaid (called "government sponsored minimum essential coverage"). Therefore, people will cycle in and out of Medicaid and the exchange depending on income. But, there is a minimum three months grace period to application date, never mind actual receipt of Medicaid. Even if you were ultimately ineligible you are still subject to the subsidy recapture cap.

Under the final regulations,an individual who fails to complete therequirements necessary to receivebenefits available under a government sponsoredprogram by the last day of thethird full calendar month following theevent that establishes eligibility istreated as eligible for the coverage onthe first day of the fourth calendarmonth. Because an individual whotimely completes the necessaryrequirements is treated as eligible forgovernment-sponsored minimumessential coverage no earlier than thefirst month that the individual mayreceive benefits, this 3-month timeperiod does not include the time neededfor a government agency to process anapplication.

See also Example 6 under 1.36B-4. Although it uses employer coverage as an example, it calculates how much needs to be repaid and states that it is subject to the cap. So if you are below 133% of FPL in a Medicaid eligible state, then file the paperwork on the last day of the third month after you become eligible for Medicaid. (But how do you know you are eligible if you can control your income at will? That would be based on the Medicaid regulations for eligibility.)This also works great for people who originally qualify for the exchange but then work for an employer with unaffordable or undesirable coverage, but coverage that still meets Obamacare's minimum requirements. An example would be an unemployed person who has exchange insurance but then gets a job which only offers a Obamacare-qualified captive HMO as its coverage option. They don't want to switch doctors, but they never notify the exchange of their employment. They are subject to the annual recapture cap, at least until the exchange recertifies (at which point the person would then perjuring themselves by signing the certification that they have no qualified coverage).

The married filing separately vs. jointly calculations are even more interesting but that is an exercise left to the reader.





Discussion Deals
Coke Zero Caffeine Free- Free at Safeway
Added on : Friday September 27th 2013 08:00:15 AM
g: 0 Posted By: nerraw00
Views: 148 Replies: 0 safeway has a 2 litre bottle of Coke Zero Caffiene Free this week. YMMV as it is usually only in some areas. Under 4U program.
Beverage Deals
g: 0 Posted By: myonlyday
Views: 215 Replies: 0 27" Monoprice IPS-Glass Panel Pro 2560x1440 LED Monitor w/ DisplayPort : $398.36 FS Monoprice via Amazon

Linky.

27" IPS monitor with LED backlighting
Grade A-1 panel with zero defects/anomalies
109 pixels per inch
327 subpixels per inch in RGB format
440 cd/m brightness
6 millisecond typical gray-to-gray response time
80,000:1 maximum dynamic contrast ratio
16:9 aspect ratio
2560 x 1440 @ 60Hz maximum resolution
Produces over 1.07 billion colors using Frame Rate Control (FRC)
Glass laminate glossy panel with antiglare coating
Includes DisplayPort, VGA, HDMI, and Dual Link DVI-D input options
Removable and angle adjustable stand (+20 ~ -5 degrees)
Built-in stereo speakers with 2 watt/channel amplifier


Monitors Deals

Amazon Coupons
TASSIMO: Home Brewing Bundle $63 (T-20) $99 (T-47) FS Today only!
Added on : Thursday September 26th 2013 05:00:03 AM
g: 0 Posted By: ffrob
Views: 30 Replies: 0 Tassimo: Home Brewing Systems
Original: $158 to $198
GMA Exclusive Deal: $63 to $99 + FREE SHIPPING
50%-59% savings
Valid: 9/26/13
http://www.TassimoDirect.com/GMA
(Promo code: GMA)

Skip out on coffeehouses and save money by brewing your favorite beverages right at home. Tassimo is a single serve home brewing system that uses barcode technology, which contain instructions on brewing thats relayed to your device, such as temperature, water volume and brew time. From rich coffees to cappuccinos, brew your favorite choice with just the touch of a button. Two bundle options are available, both of which include white ceramic mugs and assorted TDISCS in various flavors. Limit to 2 per person. Free shipping!Tassimo T20 Features

Instant heat-up and fast first cup
Customize your beverages with a single touch of a button
Noise reduction system for quiet preparation of beverages
Low energy consumption: zero watt hours in standby mode and an on-demand heating element
Height adjustment and removable cup stand allows you to use the cup or travel mug of your choice
Automatic cleaning and descaling with use of a special T DISC keeps your beverages tasting clean
Removable 1.5 L water tank

Bundle Details

This package of Gevalia Caramel Latte Macchiato includes eight (8) milk creamer T DISCS and eight (8) Gevalia flavor Espresso T DISCS; you use one of each for every drink.
This package of Gevalia Cappuccino includes eight (8) milk creamer T DISCS and eight (8) Gevalia Espresso T DISCS; you use one of each for every drink.
This package contains 16 King Of Joe Dark Roast T DISCs.
Savor every sip of your favorite beverage with this set of two 15-fl oz Tassimo Ceramic Mugs.

Tassimo T47 Features

Instant heat-up and fast first cup
Customize your beverages with a single touch of a button
Noise reduction system for quiet preparation of beverages
Low energy consumption: zero watt hours in standby mode and an on-demand heating element
Height adjustment and removable cup stand allows you to use the cup or travel mug of your choice
Automatic cleaning and descaling with use of a special T DISC keeps your beverages tasting clean
Removable 1.4 L water tank

Bundle Details

This package of Gevalia Caramel Latte Macchiato includes eight (8) milk creamer T DISCS and eight (8) Gevalia flavor Espresso T DISCS; you use one of each for every drink.
This package of Gevalia Cappuccino includes eight (8) milk creamer T DISCS and eight (8) Gevalia Espresso T DISCS; you use one of each for every drink.
This package contains 16 King Of Joe Dark Roast T DISCs.
Savor every sip of your favorite beverage with this set of two 15-fl oz Tassimo Ceramic Mugs.



Ascend: Hand of Kul Xbox 360 FREE Game @ Xbox Marketplace
Added on : Thursday September 26th 2013 04:00:07 AM
g: 0 Posted By: Pizzero
Views: 227 Replies: 1 Free Game on Xbox Marketplace
Asnced : Hand of Kul HERE

total size game 2.03 GB
Xbox Games Deals
Goal Zero Bolt Rechargeable 160-Lumen Flashlight $19.99 shipped @ Woot
Added on : Tuesday September 24th 2013 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 182 Replies: 1 http://sellout.woot.com/offers/goal-zero-bolt-rechargeable-flash...
Sports & Outdoors Deals

woot! Coupons
g: 0 Posted By: Reots
Views: 169 Replies: 0 http://www.rakuten.com/prod/27-ips-zero-g-slim-monitor-wqhd-2560x1440-dual-link-dvi-vga/254863185.html

The glass covered version with displayport/HDMI is $100 more

http://www.rakuten.com/prod/27-ips-glass-panel-pro-led-monitor-wqhd-2560x1440-with-hdmi-1-4-dvi/252439954.html

Main advantage over the eBay Korean monitors is US customer service/warranty from Monoprice

11% back with code EARLYBIRD until 11:59AM PST 9/23

Ripped from SD
Monitors Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
amazon: $4.09 Miracle Noodle Pasta, 7 Ounce (Pack of 6) (F/S over $25)
Added on : Saturday September 21st 2013 04:00:03 AM
g: 0 Posted By: VivYip
Views: 138 Replies: 0 credit dealnews

Amazon has this pack of 6 noodles for $4.09 with free shipping on orders over $25

Miracle Noodle Pasta, 7 Ounce (Pack of 6)
Wheat & gluten free and kosher
Made of naturally water soluble fiber with no fat, sugar, or starch
Zero net carbs, zero calories, and made of a healthy natural fiber called Glucomannan
Easily absorbs the flavors of any soup, dish, or sauce

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

Amazon Coupons
Asus 6GB Notebook, with AMD A-Series A8-4500M(1.90GHz) $494.99
Added on : Wednesday September 18th 2013 02:00:05 PM
g: 0 Posted By: marshmellobbq
Views: 188 Replies: 0 I got just bought this deal from Newegg. Seemed like a pretty powerful laptop for under $500.

ASUS K55 Series K55N-DB81 AMD A-Series A8-4500M(1.90GHz) 6GB Memory 750GB HDD 15.6" Notebook Windows 8 64-Bit
http://www.newegg.com/Product/Product.aspx?Item=N82E16834231083

List: $499.99
1% Cash Back (through Fatwallet) = $5.00
Zero Sales Tax
Free 2-Day Shipping from Shop Runner

Total: $494.99 - I should have this by Friday! YAY!
Laptops Deals

Newegg Coupons
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
New Frontier Armory LW15 Stripped Polymer Lower Reciever $29.95 + shipping
Added on : Saturday September 14th 2013 04:00:07 PM
g: 0 Posted By: GreenTrash
Views: 0 Replies: 0 LINK
New Frontier Armory Light weight Stripped Polymer AR-15 Lower

*Lower will need stock kit and Lower Parts Kit to complete lower before it is ready to fire. (Hammer may need modification for some blow-back operated uppers including some 22LR and 9MM. New Frontier Armory Blowback Hammers will solve any issues customers may have with blowback uppers)
*Lightest most durable composite polymer lower on the market today
*Low maintenance / easy cleaning / scratch resistant
*Accepts all standard MIL SPEC uppers and lower parts
*Can accommodate any brand MIL SPEC LPK upgrade
*"Zero Slop fit eliminates the need for wedges
*Lifetime warranty against any manufacturer defects when used as directed
*100% USA Made lower
*Some Hand Fitting May Be Required on New Frontier Polymer Stripped Lowers When Using Some Lower Parts Kits Due To Different Levels Of Tolerances Allowed In The Manufacturing Of Some LPKs


Free Voucher For BOGO Refreshers Starbucks @ Amazon (Nation Offer)
Added on : Friday September 13th 2013 04:00:04 PM
g: 22 Posted By: Pizzero
Views: 6009 Replies: 25 Free Voucher For Buy One Starbucks Refreshers Beverage, Get One Free Starbucks..

http://local.amazon.com/atlanta/B00F53GMNQ
Restaurants & Entertainment Deals

Starbucks Store Coupons
g: 0 Posted By: Pizzero
Views: 233 Replies: 2 Acer C7 Chromebook Here...


Acer 11.6 C7 Chromebook 2GB 16GB Chrome OS| C710-2833Official Acer eBay Outlet StoreContinually updated, always new, the Acer C7 Chromebook keeps getting better and better. It starts in seconds, has virus protection built in, and runs your favorite Google apps plus thousands more. At about an inch thin and 3 lbs. light, this Chromebook goes wherever you go and keeps your files safe and secure in the cloud.

Laptops Deals
Free Voucher For Buy One Starbucks @ Amazon (Nation Offer)
Added on : Friday September 13th 2013 10:00:04 AM
g: 20 Posted By: Pizzero
Views: 4571 Replies: 22 Free Voucher For Buy One Starbucks Refreshers Beverage, Get One Free Starbucks..

http://local.amazon.com/atlanta/B00F53GMNQ
Restaurants & Entertainment Deals

Starbucks Store Coupons
g: 0 Posted By: Pizzero
Views: 431 Replies: 1 +ASUS 10.1 VIVOTAB RT HERE... $249 + FREE SHIPPING



Manufacturer refurbished, includes tablet and dock.Comes in a brown box, ships in a padded pack, this product will ship Fed Ex smart post.This product ships in 2 business days.90 day warranty from Asus. www.asus.com.
Product Features
10.1" HD (1366x768) Super IPS+, OGS Touch Panel, Outdoor Readable Mode
Powered by NVIDIA Tegra 3 Quad-core processor for best web experience with up to two times faster browsing, and console-quality gaming
Ultra-slim and light (0.33" thin and 1.16lbs light) with metallic finish design
2MP front camera and 8MP auto-focus rear camera with flash, back-illuminated CMOS sensor, and large aperture design to clearly capture every moment
32 GB Flash memory 2GB Ram memory
Windows 8 RT
Bluetooth 4.0 Wireless LanMicrophone:
YesDigital Media: Micro SD(SDHC)Audio:
Hi-Definition Audio CODECFinish:
Amethyst GrayDimensions:
10.3" (L) x 6.7" (W) x 0.3" (D)Weight:
1.1 lbsBattery: 9 hours; 22Wh Li-polymer
16 hours with mobile dock; Dock: 16.5Wh Li-polymerPower:
100-240V AC, 50/60Hz universalWarranty andSupport:
90 Day WarrantyAsus Dock with Keyboard Features:
92% sized QWERTY keyboard Adds an additional 7 hours of battery life to the TF600T
SD card reader 1 USB 2.0 port Large multi-touch touchpad.
What's in the box? Asus VivoTab RT Tablet AC adapter
Asus VivoTab RT Dock with Keyboard
Tablets & iPads Deals
g: 0 Posted By: Pizzero
Views: 97 Replies: 0 +ASUS 10.1 VIVOTAB RT HERE... $249 + FREE SHIPPING



Manufacturer refurbished, includes tablet and dock.Comes in a brown box, ships in a padded pack, this product will ship Fed Ex smart post.This product ships in 2 business days.90 day warranty from Asus. www.asus.com.
Product Features
10.1" HD (1366x768) Super IPS+, OGS Touch Panel, Outdoor Readable Mode
Powered by NVIDIA Tegra 3 Quad-core processor for best web experience with up to two times faster browsing, and console-quality gaming
Ultra-slim and light (0.33" thin and 1.16lbs light) with metallic finish design
2MP front camera and 8MP auto-focus rear camera with flash, back-illuminated CMOS sensor, and large aperture design to clearly capture every moment
32 GB Flash memory 2GB Ram memory
Windows 8 RT
Bluetooth 4.0 Wireless LanMicrophone:
YesDigital Media: Micro SD(SDHC)Audio:
Hi-Definition Audio CODECFinish:
Amethyst GrayDimensions:
10.3" (L) x 6.7" (W) x 0.3" (D)Weight:
1.1 lbsBattery: 9 hours; 22Wh Li-polymer
16 hours with mobile dock; Dock: 16.5Wh Li-polymerPower:
100-240V AC, 50/60Hz universalWarranty andSupport:
90 Day WarrantyAsus Dock with Keyboard Features:
92% sized QWERTY keyboard Adds an additional 7 hours of battery life to the TF600T
SD card reader 1 USB 2.0 port Large multi-touch touchpad.
What's in the box? Asus VivoTab RT Tablet AC adapter
Asus VivoTab RT Dock with Keyboard
Tablets & iPads Deals
Free Voucher For Buy One Starbucks @ Amazon Local
Added on : Friday September 13th 2013 12:00:02 AM
g: 0 Posted By: Pizzero
Views: 0 Replies: 0 Free Voucher For Buy One Starbucks Refreshers Beverage, Get One Free Starbucks..

http://local.amazon.com/atlanta/B00F53GMNQ
Is this bank paying a negative interest rate on a savings account?
Added on : Thursday September 12th 2013 04:00:08 AM
g: 0 Posted By: burgerwars
Views: 64 Replies: 0 I realize we've been earning negative interest for a while, since many rates are next to zero and don't keep up with inflation, but I came across this document from NatWest (UK). Their cash management account, if the deposit is in the foreign currency of Danish Krone, pays a negative interest rate of 0.75% compounded, effective August 2013.

I remember learning the about the power of compound interest in your savings account as a kid. They never told me about the power of negative compound interest. If you leave your money on deposit long enough, it will eventually disappear.
General Economics Deals
Free Gogo wireless movie
Added on : Wednesday September 11th 2013 01:00:08 PM
g: 0 Posted By: Sillyg00se
Views: 524 Replies: 0 I got this email from Gogo wireless today and am going to try it out. Basically, you go to buy a movie and use the promo code. It should cancel out to zero. You must have an account and obviously be flying with an airline that uses Gogo wireless like American.

Hope it works. We'll see shortly! See promo code below:

GOGOFREESHOW

Thanks guys.
Movies & Music Deals
Free Gogo wireless movie
Added on : Wednesday September 11th 2013 12:00:03 PM
g: 0 Posted By: Sillyg00se
Views: 254 Replies: 0 I got this email from Gogo wireless today and am going to try it out. Basically, you go to buy a movie and use the promo code. It should cancel out to zero. You must have an account and obviously be flying with an airline that uses Gogo wireless like American.

Hope it works. We'll see shortly! See promo code below:

GOGOFREESHOW

Thanks guys.
Movies Deals
20% off entire purchase @ Livingsocial
Added on : Tuesday September 10th 2013 02:00:04 PM
g: 0 Posted By: Pizzero
Views: 345 Replies: 2 Use the coupon code SUPER20
* additional restrictions apply; maximum savings is $20; offer ends 9/12/13 at 11:59 pm PST
Restaurants & Entertainment Deals

LivingSocial Coupons
Special Sale " Back to School " @ Xbox Live Marketplace
Added on : Monday September 09th 2013 08:00:05 PM
g: 0 Posted By: Pizzero
Views: 192 Replies: 0 Various Games & Xpansion packs Start from $1.49

Special Sale Here
Xbox Games Deals
M & Ms Pendulum Wall Clock Buy 1 at $18.00 Get 1 Free at Maxwell's Attic
Added on : Monday September 09th 2013 02:00:02 PM
g: 0 Posted By: Ayla
Views: 143 Replies: 0 http://www.maxwellsattic.com/m-m-sidewalk-sale/69-pendulum-wall-...


Retail:$59.98

NOW: $18.00

Save: $39.98


Zero Calories. Low Fat!

Easy wall mounting
Clock chimes every hour
Working Pendulum with hanging Yellow M&M
Optical eye turns off chimes at night
On/Off switch for chimes
Uses 4 AA batteries (not included)
16 1/2 Inches Tall


Buy 1 Get 1 Free. Limit 1 Per Customer. Not to be combined with any other coupon.


Hangout with your favorite candy-coated characters at your place and don't worry about turning up the AC, they won't melt on your walls. This officially licensed, 16 inch tall M&M Pendulum Wall Clock features a Red M&M perched atop the clock and a Yellow peanut M&M dangling from the pendulum. The clever clock chimes every hour with a different character statement and the sounds turn off at night time.

This colorful, adorable wall clocks makes a tasty gift for someone you love or just keep it for yourself.


Decor Deals
g: 0 Posted By: Pizzero
Views: 0 Replies: 0 Xbox Live Marketplace has WSOP : Full House Pro (Xbox 360 Digital Download Game) for Free for Xbox Live Gold Members

Note, offer applies only to Xbox Live Gold Membership only. Game file is 1.10GB and connection speed download may vary from console to console.

WSOP POKER GAME HERE
BBT is there a 6 month time limit to keep account??
Added on : Friday September 06th 2013 08:00:05 PM
g: 0 Posted By: cookemperor
Views: 12 Replies: 0 I just received my $125 bank bonus from BBT and am wanting to close my account. I am curious if you know if they can take the bonus back if I close the account or if I should leave it open atleast 6 months or just take the balance to zero and let BBT charge the 0 balance monthly fee and then hoipefully itll go negative and they close. Reason I ask is I havent seen 6 month requirements anywhere at BBT but regions bank says if you dont keep account 6 months they will take bonus back although I am still waiting on my regions bonus to post yet its been 3 months and they now say takes 120 days. So wondering if there is a bank standard if you cancel after getting bonus. Anyone familiar with bbt 125 offer???
Personal Finance Deals
Rachael Ray ZERO GRAIN Dog Food 6lb as low as $3.99 w/Coupon @ Publix!!!!
Added on : Thursday September 05th 2013 05:00:05 PM
g: 0 Posted By: MISTERCHEAP
Views: 234 Replies: 0 Hello everyone! Yesterday I went on Publix.com making my grocery list and saw that they had Rachael Ray Nutrish Dog food 6lbs for $7.99. So I went there tonight, there was no sale signs, so I had the cashier check the price of the $11.99 Zero Grain, which is part of the Nutrish dog food but $3 more, and sure enough it was $7.99. I had several coupons from the newspaper that expire in 5 days, gotta love eBay, and printable for $4 off Making it $3.99 + tax, came to $4.55 here in Tampa bay. You can't beat $0.76/lb or $0.047/oz for NO GRAIN dog food. Also, you can print up to 2 coupons per computer.


http://nutrish.rachaelray.com/switchto



post from cherry33778/sd (NOT MY INFO)

Pets Deals
Small Business Loan Ideas
Added on : Thursday September 05th 2013 10:00:13 AM
g: 0 Posted By: SmBizJames
Views: 193 Replies: 1 My wife and I are going to undertake our first small business venture, a gas station c-store, and are looking for ways to get the necessary capital. We are going to purchase an existing station which is highly favorable to both us and the bank. We knew that we needed to put down 20% but news that we will most likely need to put down 30% is a serious downer. We dont have that kind of cash. We have excellent credit and zero debt accept for a mortgage we are current on. What are the best methods to get an additional loan or advance of about 30k-50k? Ideas we have been looking into are local credit union, second mortgage, home equity line, and credit card adv.

We plan on throwing as much business profit at the secondary loan as we can to pay it down in short order. What would be the best method in your opinion to help fund this business purchase in addition to a standard small business bank loan?
Personal Finance Deals
g: 0 Posted By: Pizzero
Views: 225 Replies: 0 Pro Elite Controller PS3

$18.99 for Pro Elite Wireless Controller forPlaystation 3($49.99 List Price). Free Shipping and Returns.

Wireless controller forPlaystation 3
Sixaxis-compatible motion sensor
Built-in rechargeable battery
Dual rumble motors
Reverse analog sticks
Textured grips
6' USB charging cable
Condition: new

In the box: wireless controller, USB controller adapter/receiver, 6' USB charging cable
PS3 Deals

Groupon Coupons
g: -1 Posted By: jaarons
Views: 232 Replies: 0 Rosewill RKKS-12001 digital kitchen Scale+ $8 off w/ promo code EMCXMVN236, ends 9/2

http://www.newegg.com/Product/Product.aspx?Item=96-268-007&Tpk=96-268-007

Max capacity:11lbs (5kg)
Gratuation:0.05oz (1g)
LCD Digitals
Measures in Grams/ounces or
Graduation in 0.05 oz (1 g)
Automatic zero resetting

----

Rosewill R-BM-01 2 lbs. Programmable Bread Maker+ $20 off w/ promo code EMCXMVN229, ends 9/2

http://www.newegg.com/Product/Product.aspx?Item=96-268-006&Tpk=96-268-006

2 lbs
12 digital programs
13 hour programmable delay timer

Appliance Deals

Newegg Coupons
CVS 9/15 - 9/21
Added on : Friday August 30th 2013 09:00:11 AM
g: 0 Posted By: MrVietnam
Views: 1 Replies: 0 ECB DEALS
$5.79 ECB wyb Rescue GUM $5.79 Limit 1

$10 ECB wys $30 on Tide, Gain, Bounty, Charmin and Puffs Limit 1
Tide or Gain liquid 48-54 loads $11.94
Charmin Basic 12 pk., Ultra Strong or Ultra Soft 9 pk. $5.49
Bounty paper towels 6 pk. $5.99
Puffs pop-up 96 ct. or Puffs Plus tissues 48-68 ct. $0.99

$1 ECB wyb (3) Dawn 9 oz 3/$3 Limit 1

$1 ECB wyb Nestle Pure Life water 16.9 oz 24pk. $4.49 Limit 1

$1 ECB wyb (2) Twizzlers Twists 22 oz, Hershey's Snack size, Nestle or Mars Chocolate Fun size 2/$5 Limit 1

$1 ECB wyb (2) Kellogg's Special K cereal or bars 5 ct. 2/$5 Limit 1

$2 ECB wyb (2) Hershey's Extra Large bar 4-4.5 oz Limit 1

$1 ECB wyb (2) Ocean Spray juice 64 oz 2/$6 Limit 1

$3 ECB wys $10 on ANY Crayola (excludes clearance items) Limit 1

$3 ECB wys $10 on Five Star 1, 2, 3 or 5-subject notebook (excludes clearance items) Limit 1

$3 ECB wyb $10 on Sharpie, Paper Mate, Expo or InkJoy Limit 1

$5 ECB wyb (3) GE Reveal Light Bulbs (excludes clearance items) Limit 1

$1 ECB wyb Wisk liquid 32 loads $4.99 Limit 1

$5 ECB wys $15 on ANY L'Oreal Foundation, Powder, Blush, Concealer or Lip (excludes clearance) Limit 1

$4 ECB wyb Revlon Lip $6.99 (excludes ColorStay and clearance) Limit 6

$4 ECB wys $10 on Revlon ColorStay (excludes clearance) Limit 6

$3 ECB wys $10 on ANY Maybelline Cosmetics (excludes clearance) Limit 1

$6 ECB wyb (2) ANY Neutrogena Cosmetics (excludes clearance) Limit 1

$5 ECB wyb (2) Nicole nail color (excludes clearance items) Limit 1

$3 ECB wys $10 on Nuance Salma Hayek cosmetics, hair, body or facial care (ETS) Limit 1

$4 ECB wyb (2) ANY L'Oreal Hair Care (excludes clearance items) Limit 1

$10 ECB wys $25 on designer fragrance with a RR of $19.99 + Limit 1

$3 ECB wyb Olay Regenerist Premium $24.99 Limit 1

$3 ECB wyb Olay Regenerist or Total Effects $20.99 Limit 1

$10 ECB wys $30 on La Roche-Posay and Vicky Skin Care (excludes clearance) Limit 1

$5 ECB wys $15 on Simple Facial Care (save $2) Limit 1

$4 ECB wys $10 on Irish Spring bar soap 3 pk., Softsoap hand soap 5-5.8 oz or refill 56 oz Limit 2

$3 ECB wys $10 on Nivea Limit 1
Nivea (excludes hand cream and trial size) $6
Nivea body wash 16.9 oz or scrub 12 oz $4

$2 ECB wyb Garnier Olia hair color $8.99 Limit 1

$2 ECB wyb Clairol nice'n easy or Root Touch-up $5.99 Limit 1

$10 ECB wyb ANY Rogaine 3 pk. Limit 1

$2 ECB wyb Gillette ProGlide 1 ct, cartridges 4ct or Gillette or Venus disposables 2-12 ct. Limit 1

$3 ECB wyb ANY Schick Intuition, Quattro for Men or for Women (excludes clearance) Limit 1

$3 ECB wyb Colgate Multi-pack toothpaste or toothbrushes Limit 2

$1 ECB wyb Listerine Cool Mint, FreshBurst Zero 500 ml or Pocketpaks 72 ct $2.99 Limit 2

$3 ECB wyb (2) Colgate Total Advanced 4-4.2 oz, Total rinse 250 ml or 360 Floss-tip toothbrush 2/$5.98 Limit 2

$1 ECB wyb Tom's of Maine toothpaste 4.2- 5.5 oz or apdo 2.25 oz $3.79 Limit 1

$5 ECB wys $20 OR Get $10 ECB wys $30 on these baby items listed: Limit $10
Pampers Super Pak $24.99
ALL Pampers Jumob pk. $8.99
Luvs Ultra Leakguards $6.99
Select Lansinoh products (BOGO 50% OFF)
Select Playtex baby accessories (BOGO 50% OFF)
Baby Skin Care (Shea, Mustela) (BOGO 50% OFF)

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$4 ECB wyb Sundown Vitamins Gummies 50-120 ct $7 Limit 1

$10 ECB wyb Select CVS Blood Pressure Monitors Limit 1

$1 ECB wyb Tena pads 30-72 ct, male guards 48 ct, womens or mens underwear 16-18 ct$11.99 Limit 1

$5 ECB wyb Prilosec 42 ct. $24.99 Limit 3

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$5 ECB wys $15 on Zarbee's (excludes seasonal relief 10 ct) Limit 1

$3 ECB wyb (2) Delsym or Nyquil Limit 5
Nyquil/ Dayquil 24 ct, 12 oz liquid, Children's 8 oz, Sinex spray 0.5 oz or Vaporub 3.53 oz $7.49
Delsym 3 oz $8.99

$5 ECB wys $20 on ANY Opti Free, Clear Care, Systane, Genteal, Zaditor, Aosept or other Alcon brands (excludes clearance) Limit 1

BOGO DEALS
Select Nature's Bounty Vitamins
Nature Made B, C, D, E or Multi Vitamins
Dial bar soap 2 pk. or Complete hand wash
Right Guard apdo or body wash
ANY Photo Books
IDT $30 Long Distance or $25 International prepaid phone card
Cheeze-It, Keebler Club, Nabisco Cookies or crackers 3.6-7 oz

OTHER SALES
7UP, A&W, Canada Dry or Sunkist 2 liter bottle $0.99
Cheerios cereal 11.25-14 0z or Fiber One Bars 5 ct. 2/$4
Pantene shampoo, conditioner 12.6 oz or styler 5.7-11.5 oz 2/$7
ALL CoverGirl Eye or Outlast Nail (BOGO 50% OFF)


Thx NatureMade/SD
Navy FCU 0% balance transfer for 12 months coming in September
Added on : Friday August 30th 2013 06:00:08 AM
g: 0 Posted By: brettdoyle
Views: 0 Replies: 0 WSJ said: The offers are coming from the country's biggest credit-card issuers, including J.P. Morgan Chase JPM -0.45% & Co., Discover Financial Services Inc., DFS -0.57% and Citigroup Inc. C -1.22% Credit unions are also joining in: Navy Federal Credit Union is starting a promotion in September that offers all of its 4.5 million members, as well as new customers, an interest-free balance transfer for 12 months.

According to the Wall St Journal, numerous companies will be offering 0% balance transfer deals. In particular they mention that Navy FCU will be rolling out a 0% offer for 12 months in September. Hopefully this turns out to be true.

http://online.wsj.com/article/SB10001424127887324906304579036992333629898.html
Monster NCredible NErgy Headphones $25 + Free Shipping@ Ebay
Added on : Monday August 26th 2013 10:00:02 AM
g: 0 Posted By: Pizzero
Views: 14 Replies: 0 Monster Headphones Here..

Product Features:

True performance sound
Durable, tangle-free cables
Built-in ControlTalk remote
Magnets outside earbud allow you to wear them around your neck when not in use

What You Get:

Monster NCredible NErgy In-Ear Flat Cable Noise Isolating Headphones
g: 0 Posted By: archena
Views: 140 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Google Apps Express: The Fast Way To Start Working in the Cloud [Kindle Edition]

James Beswick (Author)

http://www.amazon.com/dp/B004VNVMWW

Publication Date: March 5, 2011

Publisher: One Uproar

20 Reviews ★★★★

#1 inKindle Store > Kindle eBooks > Computers & Technology

#1 inKindle Store > Kindle eBooks > Business & Investing > Industries & Professions > MIS

Google Apps brings the power of the Google platform to your company, school or organization. Throw out costly software licenses and servers and join millions of users in the cloud.

Google Apps Express gives you the fast track to the answers you need:

- Set up Google Apps in minutes and learn everything you need to know to manage your users and domain quickly.

- Get hands-on with each application - Gmail, Calendar, Docs, Sites and Apps - and learn the tricks, tips and shortcuts.

- Access your applications and data from anywhere without any IT or networking knowledge.

- Collaborate with your team in real time and publish your work on webpages and the Internet in seconds.

- Save all your files securely in Googles cloud and never worry about backups again.

Join the cloud computing revolution and reap the benefits of zero-installation software and Internet-based productivity.About the Author James Beswick is an award-winning writer and has a B.Sc. in Management and Computer Science from the University of London. He has worked for a variety of Fortune 500 companies in online project and product management, specializing in implementing web-based technologies to help organizations to maximize their revenue opportunities online. James has written for a range of PC magazines and technology blogs and works as a technology contractor in San Francisco.
Totally Free Deals
New Super Luigi U - $22.80 + Tax @ Rakuten.com whit V.ME
Added on : Monday August 26th 2013 08:00:03 AM
g: 1 Posted By: Pizzero
Views: 132 Replies: 1 Cheapest it's going to get unless you go for the DLC version, Mario stuff very rarely goes on sale and while it works for anything on Rakuten.com
Instantly Save $10 off a $30 order when you use V.me by Visa at checkout. Limit one per customer or while supplies last. Ends 8/31/2013.

1) Browse tohttp://www.rakuten.com/prod/wii-u-new-super-luigi-u/250777247.ht...
2) Add Super Luigi U to cart (from marketplace seller Beach Audio at $30.11 + $2.69 shipping)
3) Notice the banner at top of screen explaining you save $10 by checking out with V.ME
4) Check out with V.ME, you'll see the price confirmation before order is completed.

$22.80 + Tax..
Wii Games Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
g: 0 Posted By: fivetalents
Views: 43 Replies: 0 Instapark 10 Watt Solar Panel Portable Solar Charger with Dual USB Ports for iPhone, iPad & all other USB Compatible Devices

Item model number: MCRY10

4.2 out of 5 stars (167 customer reviews)
Price: $62.70
Sale: $49.70 (price low) & FREE Shipping
Price after 5% Off Instant Coupon: 47.22
Sold by Instapark and Fulfilled by Amazon

Technical Specifications:

Power input: 10 Watt high-efficiency mono-crystalline solar panel with foldable design offers excellent portability, ideal for emergency preparedness, backpacking, camping and other outdoor activities
Power output: 5V Standard dual USB charging ports for directly plugging in iPhone, iPad and other USB compatible mobile devices
Maximum output current: 2 amp
No additional battery needed for charging external devices, 100% green energy with zero carbon footprint
Operating temperature: 32 - 86 F (optimal)
Storage temperature: 32 -104 F (optimal)
Dimensions: only 9 X 6 X 2 inches(folded), 9 x 22 x inches (unfolded) and weighs less than 1 lb
Weight: 12 Oz
1-year manufacturer's warranty

Coupon info: Special Offers and Product Promotions... Save 5% on Instapark Portable & Rechargeable Emergency / Survival Solar Power Generator when you purchase 1 or more Instapark Solar Panels & Portable Solar Battery Chargers offered by Instapark
Batteries & Chargers Deals

Amazon Coupons
CytoSport Muscle Milk Protein buy 2 get 2 $ 32 Price Members@ GNC
Added on : Thursday August 22nd 2013 12:00:01 AM
g: 0 Posted By: Pizzero
Views: 123 Replies: 1 CytoSport Muscle Milk Light - Cookies 'n Creme
30 Servings Each bottle
Buy 2 Get 2 Free Members price $32 - 2 day Free shipping whit Shoprunner

BUILDING ATHLETES FROM THE INSIDE OUT
LOWER CALORIE LEAN MUSCLE PROTEIN

25g Lean Protein
Lactose FREE
20 Vitamins & Minerals
http://www.gnc.com/product/index.jsp?productId=2557385
g: 0 Posted By: lovelybones
Views: 225 Replies: 1 http://1saleaday.com/ledblowout/
Features Include:

Fits standard light sockets
15W incandescent equivalent
0.5W, 110v
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Zero mercury
46mm diameter, 3" length

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1SaleADay Coupons
Insurance for College Student Possessions
Added on : Tuesday August 20th 2013 05:00:13 AM
g: 0 Posted By: couponking1953
Views: 230 Replies: 6 Just an FYI if anybody is in a similar situation.

My daughter just left for college. I was able to add insurance coverage using my homeowners policy for her PC for $20/yr against theft/DAMAGE/loss. Her musical tools (sax.oboe) are covered at $0.59/yr per hundred of stated value. Zero deductable, any claims are not counted against my homeowners record.

If anybody has better thoughts on this type of coverage, those would be welcome.
General Economics Deals
g: 0 Posted By: suncityrk
Views: 49 Replies: 0 Samsung A157 quad band world phone for $4.99 Amazon Free Shipping No Contract Was $14.88LINKCheapest Unlock LINK IMEI is not set to zero when you unlock through code by inserting non att sim, and its permanent unlock
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Buying a $700,000 house...I know it's crazy, but is it even possible?
Added on : Saturday August 17th 2013 06:00:10 AM
g: -2 Posted By: Thrwaway1234569
Views: 202 Replies: 9 I understand that this is crazy I am not looking for "pay your bills" and "you are irresponsible" advice. I fully understand that this would be spending way above our means, but theoretically, I just want to go through the exercise and see if the loans even exist to buy a house with our financial situation.I want to know if my wife and I can buy a $700,000 house with our financials, and if so, what kind of loan we could get to accomplish this. I already know that a conventional mortgage loan is more than likely out of the question.Wife and I have $100,000 cash and gross about $137,000/year. In two years my wife's salary will jump and hopefully we will be around $240,000/year (She is a medical resident). We have zero debt. Cars, student loans etc...all paid off. My question is simple...Is it possible to get a loan to buy a $700,000-$730,000 house, and if so, what kind of loan would it be? I am envisioning a zero percent down loan and use the cash to pay for the first couple years until we see a jump in our salary. Do any loans like this exist?
Personal Finance Deals
g: 0 Posted By: MISTERCHEAP
Views: 440 Replies: 3 You will need to enter FOUR cap or 12 pack codes from any Coke Zero product to unlock the COKE ZERO FALL FOOTBALL Collection prizes found in MY SPECIAL OFFERS in your MCR account. The skin-it prize is unlocked after the 4th ZERO codewww.mycokerewards.comThis football season, let your team pride be known when you dress your favorite device in your favorite team's colors with a phone or laptop cover from SkinIt.
Phones skins available:
. Apple iPhone 3G
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Cell Phones Deals
g: 0 Posted By: MISTERCHEAP
Views: 145 Replies: 0 You will need to enter FOUR cap or 12 pack codes from any Coke Zero product to unlock the COKE ZERO FALL FOOTBALL Collection prizes found in MY SPECIAL OFFERS in your MCR account. The skin-it prize is unlocked after the 4th ZERO codewww.mycokerewards.comThis football season, let your team pride be known when you dress your favorite device in your favorite team's colors with a phone or laptop cover from SkinIt.
Phones skins available:
. Apple iPhone 3G
. Apple iPhone 4/4S
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. Samsung Galaxy S II
Cell Phones Deals
Feeling Angry... Variable annuity in a Roth
Added on : Friday August 16th 2013 12:00:03 PM
g: 0 Posted By: Aagiants
Views: 0 Replies: 0 I was lucky enough to have a family member invest some cash for me when i was younger. I finally got off my lazy but to find out that it was a Variable Annuity in a Roth. Bad idea! No going back now, but i'm trying to weigh my options. I've had this for so long that the surrender fee is almost at zero. What i'm asking the FW community is if there is ANY good reason to hold onto this thing? I was planning on terminating this, and transferring the funds to another brokerage house/roth IRA... I didn't see any good reason to hold onto this thing.Also- I've never done a transfer before, is there anything i need to be aware of for tax purposes, and not look like i'm withdrawing the money from my Roth and incurring some unexpected tax bill from uncle Sam?Thanks FW
GE Energy Smart 3 pack CFL BR30 Floodlight $3.98 @ Sam's Club YMMV
Added on : Wednesday August 14th 2013 05:00:04 PM
g: 0 Posted By: mazeroth
Views: 158 Replies: 0 Tonight I saw a pallet full of these 3 packs of GE BR30 CFL's for $3.98 at Sam's Club in central Ohio. AEP Electric does subsidize the price of these but even then they are typically around $15 - $20 for the three pack. Note, these are not the dimmable kind.
Home & Garden Deals

Sams Club Coupons
g: 16 Posted By: n4w
Views: 1052 Replies: 5 NO-CALORIE BONUS OFFER
Want the points without the calories?
Time to stock up. Through 8/16, get Double Points on codes from your favorite no-calorie 12-packs, including Coke Zero, Diet Coke, Sprite Zero and more so you can double up on points while you reduce calories. http://www.mycokerewards.com/home.do
Surveys & Rewards Deals
g: 0 Posted By: MISTERCHEAP
Views: 155 Replies: 0 enter a 12 pack code (worked with zero for me).after entry on confirm screen see extra offers earned, one will be a free month to ESPN.com insider.
www.mycokerewards.comnot sure if this is a stackable offer (ie, enter 6 codes, get 6 months) please update when someone knows.
Services Deals
g: 2 Posted By: n4w
Views: 152 Replies: 0 NO-CALORIE BONUS OFFER
Want the points without the calories?
Time to stock up. Through 8/16, get Double Points on codes from your favorite no-calorie 12-packs, including Coke Zero, Diet Coke, Sprite Zero and more so you can double up on points while you reduce calories. http://www.mycokerewards.com/home.do
Services Deals
Excellent FICO but zero income
Added on : Tuesday August 13th 2013 08:00:08 PM
g: 0 Posted By: dellmezzie
Views: 36 Replies: 1 I have a FICO around 800, an average credit age of 14 yrs, and an average CL on personal cards of $12k, but this year I have no declarable income. I want to start a new business, but I need some more credit to do what I need to do. I refuse to lie on my credit applications and play games, but I want to know whether I could get some business credit cards with my high FICO declaring $0 as income. Have any of you ever been in a similar situation, and actually been approved when you declare no or low income but with great credit?
New User Question Deals
g: 0 Posted By: Pizzero
Views: 471 Replies: 2 HP Pavilion 11.6" with 2 years 4G Service 4GB RAM 500GB HDD Win8 | C2K41UAR#ABAHERE ...You are getting much more than a chromebook or tablet , good reviews !! No WiFi. No Problem. Free 4G.
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g: 0 Posted By: Pizzero
Views: 201 Replies: 1 HP Pavilion 11.6" with 2 years 4G Service 4GB RAM 500GB HDD Win8 | C2K41UAR#ABAHERE ...You are getting much more than a chromebook or tablet , good reviews !! No WiFi. No Problem. Free 4G.
Don't worry about connecting, even beyond the bounds of WiFi with free 4G for 2 years*.
Enjoy 2 years of free mobile internet service up to 200MB of 4G data per month with no annual contract, no credit card, and no overage fees. And, for those who are constantly on the go, add flexible data passes at low rates as you need it, still with no annual contract or overage fees.
Easy to get started, easy to use:
Pre-installed SIM provides out-of-box access to T-Mobile network
Activate service with no credit card, no annual contract, no overage fees
Easy to purchase additional data passes at low rates, still with no annual contract
Laptops Deals
Buy One Get One Free (BOGO) - Testosterone Booster - Amazon
Added on : Saturday August 10th 2013 10:00:04 AM
g: 0 Posted By: biggoals
Views: 292 Replies: 1 I am on this email list and just received this coupon code.
Buy 2 Units and get $20 Off. Buy 4+ units and get $80 Off.
Includes Fenugreek Seed Extract, Tribulus Terrestris, Ginseng, Coryceps, Sinensis, Muira Puama, Chrysin, and our proprietary Vitamin Support Matrix.
Non-Stimulating. Safe and Effective Way to Amplify Natural Testosterone Production in Men.
Urevive All Natural Testosterone Booster - Zero Filler, Zero Binders, Zero Artificial Ingredients. Boost libido, build muscle and melt fat, and enhance mental clarity and mood.
FULL-Strength 608MG Per CAPSULE. Full 30-Day Supply. 60 vegi-caps / bottle. Recommended Dosage: 2 caps / day.http://www.amazon.com/Urevive-Testosterone-Booster-Vitality-Supp...Add 2 to your cart and apply coupon ZTKHCB88 and get one free.
Health Deals

Amazon Coupons
g: 5 Posted By: archena
Views: 1722 Replies: 8 FREE SHUTTERFLY 8X8 PHOTO BOOKMake your best photos mean more. For free.Get your best photos off the screen and into a beautiful 8x8 hard cover Shutterfly photo book (retail value $29.99). Simply enter 1 code in the month of August, and its yours for FREE. Smile!http://www.mycokerewards.com/enterCode.do?WT.mc_id=EM2594SHUTTERINACTCoke Zero codes not eligible.While supplies last. Enter codes by 8/31. Must claim photo book by September 15, 2013. Offer expires September 15, 2013 (11:59 P.M. PT). Offer is good for one free 20-page 8x8 hard photo cover photo book at shutterfly.com. Valid for one-time redemption per each qualifying My Coke Rewards member. Taxes, shipping and handling will apply. Additional pages, Storytelling styles and elements, matte finish and memorabilia pockets will incur extra fees. Not valid on other sizes, layflat pages, soft cover, padded, cloth, crocodile, leather, genuine leather, faux lizard photo books, prepaid plans, other products, prior purchases, purchases made on the Shutterfly for iPhone app, Shutterfly Facebook apps or Shutterfly Pro Gallerie
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Shutterfly Coupons
Craig Bluetooth Boombox Speaker $20 Free Shipping @ Ebay
Added on : Friday August 09th 2013 06:00:04 PM
g: 0 Posted By: Pizzero
Views: 207 Replies: 1 Craig Bluetooth Boombox Speaker w/Microphone, 32' Range, USB Charger & AUX Cable2 Colors Available $20Link Here ..Condition: New
Packaging: Retail
Manufacture: Craig
Model: CMA3558-Red, CMA3558-Black, CMA3558-BlueFeatures: Supports Wireless Music Streaming via Bluetooth wireless Technology
Easily Connects to your Smartphone or other Bluetooth wireless technology enabled Audio Device
Built-in Li-polymer Rechargeable Battery
Remote Headset allows you answer phone call during listening music
Plays all Audio devices through 3.5mm Aux in Jack
Transmission Distance: up to 32 Feet
Power On and charging Indicator
Power ON/OFF Button
Volume Control Button
Available in black, red, or bluePackage Includes:Craig portable Bluetooth speaker, 3.5mm Jack Aux in Cable, USB cable
Headphones & Speakers Deals
g: 0 Posted By: archena
Views: 0 Replies: 0 FREE SHUTTERFLY 8X8 PHOTO BOOKMake your best photos mean more. For free.Get your best photos off the screen and into a beautiful 8x8 hard cover Shutterfly photo book (retail value $29.99). Simply enter 1 code in the month of August, and its yours for FREE. Smile!http://www.mycokerewards.com/enterCode.do?WT.mc_id=EM2594SHUTTER...Coke Zero codes not eligible.While supplies last. Enter codes by 8/31. Must claim photo book by September 15, 2013. Offer expires September 15, 2013 (11:59 P.M. PT). Offer is good for one free 20-page 8x8 hard photo cover photo book at shutterfly.com. Valid for one-time redemption per each qualifying My Coke Rewards member. Taxes, shipping and handling will apply. Additional pages, Storytelling styles and elements, matte finish and memorabilia pockets will incur extra fees. Not valid on other sizes, layflat pages, soft cover, padded, cloth, crocodile, leather, genuine leather, faux lizard photo books, prepaid plans, other products, prior purchases, purchases made on the Shutterfly for iPhone app, Shutterfly Facebook apps or Shutterfly Pro Gallerie
g: 0 Posted By: tedhawkins
Views: 55 Replies: 0 Guns - ICE Arms EXO NiB M-16 Stripped Bolt Carrier (MSRP $99.00) $67 Shippedhttp://www.gearhog.com/Deal Overview
The product is an m16 Nickel Boron Fail Zero plated carrier
M16 Bolt Carrier made with 8620 steel and coated with Fail Zero's EXO Nickel Boron finish for a slick finish that does not require lubrication and is good for 20,000 rounds.This carrier will give you thousands of rounds of continuous use without the hassle of continuous cleaning due to its natural lubricious properties.Legal Notes:
Any purchases and purchasers of this offer agree and declare that they do legally own a registered M-16 and/or a registered Short Barreled Rifle and these components are replacement parts for them. I understand that all NFA rules apply and I will abide by the rules of the BATFE. I am aware of all the legal ramifications that accompany installing these components in or on an AR-15 Lower. I hold Gearhog harmless for any legal issues that may arise due to my purchasing and utilizing these components. I certify that I will not break any federal, state, or local laws by acquiring and/or using these components in my legally registered firearms. Any and all questions, comments, or inquiries concerning legality of usage or ownership should be directed to the BATFE http://www.atf.gov/firearms/industry/
Discount RE Broker - Good or Bad Idea?
Added on : Wednesday August 07th 2013 07:00:07 AM
g: 0 Posted By: DrewR
Views: 213 Replies: 2 FWF,I just received a job offer this morning in a different part of the state (7 hours away). Job starts in two months, so I need to sell my home in a hurry.I've been doing a lot of research the past few weeks because I was confident that I was going to get an offer. I've been looking into selling FSBO with a 3% commission offer to buyer's agents + flat fee MLS listing + paying an attorney to help with paperwork. I was pretty confident that I was going to go with this option until I stumbled upon a local discount RE broker. This broker claims to provide all of the traditional full service features of MLS listing, signage, flyers, lockbox, etc for 3.5% total commission. They give 2.5% to the buyer agent and keep 1% themselves. In comparing cost, this option is pretty close to what I was considering with FSBO once you factor in all of the costs. It may be $500 or so more, but the full service aspect would be worth it to me, especially since I need to sell in a hurry and I'll have a lot going on in the next 2 months. This broker has a few positive reviews online, zero negative reviews, but I can't find a whole lot in general. I think they are a pretty small shop.My question: What do you think, is this a good idea or bad one? Does anyone have experience with this type of broker? Also, since they are only offering 2.5% commission to the buyer's agent, am I risking getting skipped over by some agents?Any and all opinions are appreciated. Thanks.
Personal Finance Deals
g: 7 Posted By: archena
Views: 1222 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.From The Trash Man To The Cash Man [Kindle Edition] was $9.99Myron Golden (Author) http://www.amazon.com/dp/B00E5RWNXQPublication Date: July 25, 2013Publisher: Skillionaire Enterprises Inc. 11 Reviews - ★★★★★
#11 in Kindle Store > Kindle eBooks > Business & Investing
Myron Golden wrote From The Trash Man To The Cash Man as a means to help other people who wanted and book about wealth building made easy. The physical copy of the book has already sold over 139,000 copies world-wide. Myron Golden wanted to show others how to use the basic principles of personal finance to get rich or what ever level of wealth creation the reader desires. This is a practical book about personal finance. It is a simple guide to financial literacy. The subtitle of the book says it all. How anyone can get rich starting from anywhere. If you want to get out of debt, this book can help you. If you want to learn how to become a millionaire or how to become a multimillionaire, this book can help you. The financial principles are both powerful and simple. If you apply these wealth principles they will work for you. If you want some practical answers to the questions, how do I start and run a successful business or how to I teach my children about money, or what is the best way to plan for retirement? This book is for you.
Look at what others are saying about From The Trash Man To The Cash Man:
Allyson says:
This book was a real eye-opener, and it changed my financial condition for the better. Thanks, Myron!Gregg Scott says:
The Trash Man to the Cash Man is a great book. It outlines principles that my wife and I have been applying to our lives and getting results. It has inspired us to pursue the success we desire.
Gregg and Lenika ScottJames Davis Jr. says:
With all the gloom and doom talked about our economy, From The Trash Man To The Cash Man is the perfect book to help change your mind set about money. You will learn amazing principals that are not taught in school to give you the upper hand to empower and improve your family financial well-being.KimAlyse Popkave says:
From The Trash Man To The Cash Man is a phenomenal book. Whats so great about it is it just makes sense.
I teach these principles to my clients & my students, and I have given copies of this book as gifts.
KimAlyse PopkaveProsperity Professor says:
Myron, your book, The Trash Man to the Cash Mn, was the first book I read on self-improvment and professional development. I have read close to two-hundred more books since then on similar topics, and I firmly believe that you offer the best value for someone starting at ground zero. The Trash Man to the Cash Man is a must read.Marvin Nixon says:
Because of this book my wife and I have a new out look on our future. We have learned so many principles that has helped us. We believe so much in this book and have recommended many copies to friends and family.
Marvin and Syreeta NixonMyla Everett says:
When I attended Six Figure Business School I read your book. At that time I was not sure what led me to the program, but since then my life has changed tremendously. The class filled a need in my preparation for where I am today. The book made so much sense then, and now that I can live it, I fully understand the principles. I also brought the book home to my son who now has a good foundation for his financial success.
Myla EverettChiara says:
FANTASTIC book Myron! Thank you for sharing your amazing story, experinece & knowledge with the world. You make a difference!
Rich blessings,Maria Husbands says:
From The Trash Man To The Cash Man has encouraged me a great deal. I now have the drive to go ahead and take the steps I need toward a better life.Misty Ward says:
I actually read The Trash Man to the Cash Man in 1 day & I am not the type of person who enjoyed reading but this book was such an easy read & it had so many nuggets that I couldnt put it down! Myron doesnt hold anything back, he gives you all the information you need.If you are serious about learning to create wealth for yourself and your family, don't wait another minute! Get this book now and read it before you go to bed tonight. You will find that it is one of the best personal finance books you have ever read.
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FREE Kindle Book - From The Trash Man To The Cash Man was $9.99
Added on : Monday August 05th 2013 06:00:11 AM
g: 2 Posted By: archena
Views: 254 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.From The Trash Man To The Cash Man [Kindle Edition] was $9.99Myron Golden (Author) http://www.amazon.com/dp/B00E5RWNXQPublication Date: July 25, 2013Publisher: Skillionaire Enterprises Inc. 11 Reviews - ★★★★★Myron Golden wrote From The Trash Man To The Cash Man as a means to help other people who wanted and book about wealth building made easy. The physical copy of the book has already sold over 139,000 copies world-wide. Myron Golden wanted to show others how to use the basic principles of personal finance to get rich or what ever level of wealth creation the reader desires. This is a practical book about personal finance. It is a simple guide to financial literacy. The subtitle of the book says it all. How anyone can get rich starting from anywhere. If you want to get out of debt, this book can help you. If you want to learn how to become a millionaire or how to become a multimillionaire, this book can help you. The financial principles are both powerful and simple. If you apply these wealth principles they will work for you. If you want some practical answers to the questions, how do I start and run a successful business or how to I teach my children about money, or what is the best way to plan for retirement? This book is for you.
Look at what others are saying about From The Trash Man To The Cash Man:
Allyson says:
This book was a real eye-opener, and it changed my financial condition for the better. Thanks, Myron!Gregg Scott says:
The Trash Man to the Cash Man is a great book. It outlines principles that my wife and I have been applying to our lives and getting results. It has inspired us to pursue the success we desire.
Gregg and Lenika ScottJames Davis Jr. says:
With all the gloom and doom talked about our economy, From The Trash Man To The Cash Man is the perfect book to help change your mind set about money. You will learn amazing principals that are not taught in school to give you the upper hand to empower and improve your family financial well-being.KimAlyse Popkave says:
From The Trash Man To The Cash Man is a phenomenal book. Whats so great about it is it just makes sense.
I teach these principles to my clients & my students, and I have given copies of this book as gifts.
KimAlyse PopkaveProsperity Professor says:
Myron, your book, The Trash Man to the Cash Mn, was the first book I read on self-improvment and professional development. I have read close to two-hundred more books since then on similar topics, and I firmly believe that you offer the best value for someone starting at ground zero. The Trash Man to the Cash Man is a must read.Marvin Nixon says:
Because of this book my wife and I have a new out look on our future. We have learned so many principles that has helped us. We believe so much in this book and have recommended many copies to friends and family.
Marvin and Syreeta NixonMyla Everett says:
When I attended Six Figure Business School I read your book. At that time I was not sure what led me to the program, but since then my life has changed tremendously. The class filled a need in my preparation for where I am today. The book made so much sense then, and now that I can live it, I fully understand the principles. I also brought the book home to my son who now has a good foundation for his financial success.
Myla EverettChiara says:
FANTASTIC book Myron! Thank you for sharing your amazing story, experinece & knowledge with the world. You make a difference!
Rich blessings,Maria Husbands says:
From The Trash Man To The Cash Man has encouraged me a great deal. I now have the drive to go ahead and take the steps I need toward a better life.Misty Ward says:
I actually read The Trash Man to the Cash Man in 1 day & I am not the type of person who enjoyed reading but this book was such an easy read & it had so many nuggets that I couldnt put it down! Myron doesnt hold anything back, he gives you all the information you need.If you are serious about learning to create wealth for yourself and your family, don't wait another minute! Get this book now and read it before you go to bed tonight. You will find that it is one of the best personal finance books you have ever read.
Totally Free Deals
g: 5 Posted By: archena
Views: 932 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Freedom Manifesto: How To Make A Million Dollars, Travel The World, And Live The Life Of Your Dreams [Kindle Edition] was $9.99Ryan Moran (Author)http://www.amazon.com/dp/B00DE0BO30Publication Date: June 12, 2013Publisher: Freedom Fast Lane LLC14 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedAre you tired of leading a life that you feel you have ZERO control over? Do you have a passion, but feel too bogged down by responsibilities to pursue it? Are you constantly worried about your financial security?If you answered yes to any of those questions, then you have not been living the life you were meant to lead. In The Freedom Manifesto, Ryan Moran uncovers the secrets steps followed by a new community of people who play by a new set of rules. Learn exactly how these people have accomplished living a life of freedom and how you can do it, too. The Freedom Manifesto will give you the 5 Steps you must take to lead the life of your dreams and never have to worry about money again. Want to quit your job, start your own business, and work from home? You can. Learn how you can create passive online incomes, work from anywhere, work less, spend more time doing what you want to do, and start living life on your terms.If you're tired of slaving away week after week and never enjoying the benefits of your hard work - this book is for you. It covers● Defining yourself by the life that you live, not what you do for a living.● Creating the life that you want by DECIDING how you will spend your time.● Learning how to name and eliminate the unnecessary distractions that are holding you back.● Using your passions to create online businesses and expand your income by setting up online cash flow streams.● Managing your profits so you never have to worry about money again.● Living a life of abundance by giving back.
Finally, make the shift you've been wanting to make. Discover the steps that will help you make more money, work on your own terms, and finally be free to do the things you've been dreaming of doing.
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FREE Kindle Book - The Freedom Manifesto [Business] was $9.99
Added on : Sunday August 04th 2013 04:00:04 PM
g: 0 Posted By: archena
Views: 123 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Freedom Manifesto: How To Make A Million Dollars, Travel The World, And Live The Life Of Your Dreams [Kindle Edition] was $9.99Ryan Moran (Author)http://www.amazon.com/dp/B00DE0BO30Publication Date: June 12, 2013Publisher: Freedom Fast Lane LLC14 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedAre you tired of leading a life that you feel you have ZERO control over? Do you have a passion, but feel too bogged down by responsibilities to pursue it? Are you constantly worried about your financial security?If you answered yes to any of those questions, then you have not been living the life you were meant to lead. In The Freedom Manifesto, Ryan Moran uncovers the secrets steps followed by a new community of people who play by a new set of rules. Learn exactly how these people have accomplished living a life of freedom and how you can do it, too. The Freedom Manifesto will give you the 5 Steps you must take to lead the life of your dreams and never have to worry about money again. Want to quit your job, start your own business, and work from home? You can. Learn how you can create passive online incomes, work from anywhere, work less, spend more time doing what you want to do, and start living life on your terms.If you're tired of slaving away week after week and never enjoying the benefits of your hard work - this book is for you. It covers● Defining yourself by the life that you live, not what you do for a living.● Creating the life that you want by DECIDING how you will spend your time.● Learning how to name and eliminate the unnecessary distractions that are holding you back.● Using your passions to create online businesses and expand your income by setting up online cash flow streams.● Managing your profits so you never have to worry about money again.● Living a life of abundance by giving back.
Finally, make the shift you've been wanting to make. Discover the steps that will help you make more money, work on your own terms, and finally be free to do the things you've been dreaming of doing.
Books & Magazines Deals
g: 1 Posted By: archena
Views: 172 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.How to Grow Glorious Wheatgrass at Home Tutorial: With Salty Sea Mineral Eco-Fertilization for Superior Mineral Rich Soil [Kindle Edition] was $7.99Eryn Paige (Author) http://www.amazon.com/dp/B00A6VTN9WPublication Date: November 12, 20126 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Alternative Medicine > Healing#2 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > NutritionLearn how to grow thriving wheatgrass with over 200 beautiful pictures to guide you in this How to Grow Glorious Wheatgrass at Home Tutorial - With Salty Sea Mineral Eco-Fertilization for Superior Mineral Rich Soil. You will learn how to effectively grow this unsurpassed green vegetable in an especially nutrient rich way.This tutorial specifically zeros in on how to successfully grow wheatgrass at home. You will learn why good soil selection truly matters, how to exceptionally fertilize your soil in a safe manner, how to foliar feed your wheatgrass, how to select the right seeds, how to properly water, how to overcome challenges with mold, plus so much more. The growing wheatgrass instructions can be used to grow barley grass as well. It also contains research resources on the benefits of wheatgrass.Eryn Paige embraces the nourishment from the ocean to powerfully fertilize the appreciative wheatgrass - a fertilization method which she believes holds tremendous promise for an enhanced tomorrow.Glorious wheatgrass and its remarkable juice awaits you!About the Author
Eryn Paige is the Editor of HealthBanquet.com. Growing nutrient rich wheatgrass embracing the fertilization power of the ocean is one of her passions. She loves sharing about this phenomenal plant that has so much to offer physically and mentally and so many lessons to teach. To learn more you can follow her on Twitter - http://twitter.com/HealthBanquet or visit her website - http://www.HealthBanquet.com/ or find out news at her Facebook page http://www.facebook.com/HealthBanquet
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Next free games for Xbox 360 Gold subscribers @ 1 Aug - 16th Aug
Added on : Wednesday July 31st 2013 08:00:04 AM
g: 1 Posted By: Pizzero
Views: 186 Replies: 0 Microsoft has just confirmed the earlier reports that next month's free Xbox 360 Games with Gold titles will be Crackdown and Dead Rising 2.Even better, you'll get Dead Rising 2's standalone episode Case Zero free as well.Crackdown, usually $14.99 is free from tomorrow until 16th August. Dead Rising 2 and Case Zero will be free from August 16th until the end of the month. Crackdown - 1st Free Game HereDea Rising 2 - 2nd Free GameDead Rising 2 Case Zero - Free as well
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g: 0 Posted By: lovelybones
Views: 273 Replies: 0 linkCoupon code JULY50 Features:27" IPS monitor with LED backlighting
Grade A-1 panel with zero defects/anomalies
109 pixels per inch
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2560 x 1440 @ 60Hz maximum resolution
Produces over 1.07 billion colors using Frame Rate Control (FRC)
Glass laminate glossy panel with antiglare coating
Includes DisplayPort, VGA, HDMI, and Dual Link DVI-D input options
Removable and angle adjustable stand (+20 ~ -5 degrees)
Built-in stereo speakers with 2 watt/channel amplifier
S&H varies by zip code
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Pay Chase CC with 'debit card'
Added on : Sunday July 28th 2013 11:00:06 PM
g: 0 Posted By: fakeginger
Views: 89 Replies: 0 I called Chase for an unrelated issue and the rep mentioned that I could make an instant credit card payment over the phone with a debit card. Having a prepaid card on me, I gave her the number and zeroed out the account. This should make some activities a little easier if they do not limit the number of payments per month.
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Goal Zero Power $94-$174 shipped @ Woot
Added on : Saturday July 27th 2013 07:00:03 PM
g: 0 Posted By: ctgolfer
Views: 41 Replies: 0 www.woot.com/offers/goal-zero-power
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2-nite Celebration cruise for two $83/person all-in(?)+tips
Added on : Saturday July 27th 2013 11:00:07 AM
g: 0 Posted By: SinglePapa
Views: 268 Replies: 0 http://www.cruisebahamasfree.com/I haven't taken the offer apart; if interested, then tell us what you think Of the terms. The only problem I see is dates availability at this (what they call ZERO-DOLLAR) rate. See if you can demand YOUR DATE or no go!!
Cruises Deals
T-Mobile Offering $0 Down Summer Sale on all Phones
Added on : Friday July 26th 2013 07:00:01 AM
g: 0 Posted By: hotpep
Views: 0 Replies: 0 Link
g: 1 Posted By: Augustheat
Views: 693 Replies: 1 Lower LinkUse Coupon code "Slickguns" for 5% off. Free shipping on orders over $90. JoeBobOutfitters has always come through for me so I feel confident with this post. Thanks for looking.New Frontier Armory
Light weight Stripped Polymer AR-15 Lower
*Lower will need stock kit and Lower Parts Kit to complete lower before it is ready to fire
(Hammer may need modification for some blow-back operated uppers including some 22LR and 9MM)
-New Frontier Armory Blowback Hammers will solve any issues customers may have with blowback uppers*Lightest most durable composite polymer lower on the market today
*Low maintenance / easy cleaning / scratch resistant
*Accepts all standard MIL SPEC uppers and lower parts
*Can accommodate any brand MIL SPEC LPK upgrade
*"Zero Slop fit eliminates the need for wedges
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*100% USA Made lower and all parts kits
Use Coupon Code "NFA5" for $5 off EACH lower on 10+ Stripped Polymer Lowers!
Use Coupon Code "NFA25" for $8 off EACH lower on 25+ Stripped Polymer Lowers!
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g: -1 Posted By: Augustheat
Views: 199 Replies: 0 Lower LinkUse Coupon code "Slickguns" for 5% off. Free shipping on orders over $90. JoeBobOutfitters has always come through for me so I feel confident with this post. Thanks for looking.New Frontier Armory
Light weight Stripped Polymer AR-15 Lower
*Lower will need stock kit and Lower Parts Kit to complete lower before it is ready to fire
(Hammer may need modification for some blow-back operated uppers including some 22LR and 9MM)
-New Frontier Armory Blowback Hammers will solve any issues customers may have with blowback uppers*Lightest most durable composite polymer lower on the market today
*Low maintenance / easy cleaning / scratch resistant
*Accepts all standard MIL SPEC uppers and lower parts
*Can accommodate any brand MIL SPEC LPK upgrade
*"Zero Slop fit eliminates the need for wedges
*Lifetime warranty against any manufacturer defects when used as directed
*100% USA Made lower and all parts kits
Use Coupon Code "NFA5" for $5 off EACH lower on 10+ Stripped Polymer Lowers!
Use Coupon Code "NFA25" for $8 off EACH lower on 25+ Stripped Polymer Lowers!
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g: 0 Posted By: MISTERCHEAP
Views: 266 Replies: 0 b
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g: 0 Posted By: MISTERCHEAP
Views: 27 Replies: 0 www.mycokerewards.com
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6 Free Kindle Books
Added on : Tuesday July 23rd 2013 07:00:11 AM
g: 3 Posted By: remick
Views: 250 Replies: 0 I Got The Job! 8 Steps to Get Hired in 2013 [Kindle Edition]
http://www.amazon.com/dp/B00CMZ7QYO/Zero to Social Media (Social Media Marketing for Results) [Kindle Edition]
http://www.amazon.com/dp/B00A1NRJQ4/Master Photo Lighting... Light 101 (On Target Photo Training) [Kindle Edition]
http://www.amazon.com/dp/B007RPMBNK/Passionate About Pierogies: Delicious Homemade Pierogi Recipes (Easy Ethnic Dishes) [Kindle Edition]
http://www.amazon.com/dp/B006VOL7QK/Vegetarian Cookbook: Over 85 Healthy, Delicious & Balanced Recipes Ready for Eating All Through The Year! [Kindle Edition]
http://www.amazon.com/dp/B008GUXA8A/The High Plains Sifter: Retro-Modern Baking for Every Altitude [Kindle Edition
http://www.amazon.com/dp/B008S3TDGS/
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g: 0 Posted By: Butcherboy
Views: 739 Replies: 2 http://www.amazon.com/dp/B008N4QIZG
Superior metal blades for long life and quiet operation; light weight and install anywhere
Solve air delivery problems without major system rework or expense
Extra-long 5.5-Feet grounded power cord
Motor features a permanently lubricated bearing that operates quietly and requires zero maintenance
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g: 0 Posted By: Butcherboy
Views: 143 Replies: 1 http://www.amazon.com/dp/B008N4QIZG
Superior metal blades for long life and quiet operation; light weight and install anywhere
Solve air delivery problems without major system rework or expense
Extra-long 5.5-Feet grounded power cord
Motor features a permanently lubricated bearing that operates quietly and requires zero maintenance
Electronics Deals

Amazon Coupons
Getting A Box Of Personal Checks Delivered To Non-Home Address?
Added on : Friday July 19th 2013 03:00:09 AM
g: -2 Posted By: Wanamakemoolah
Views: 177 Replies: 3 I travel a lot for work and maintain officially residency in a zero percent income tax state. I have mail forwarding set up through a rental service and pay a fee plus actual forwarded shipping costs. I am running low on personal checks and want to order more, but it's always a hassle because typically they say the checks must be delivered to the address that is printed on the checks. That will add another $10 to $20 onto the cost for the mail forwarding and take an extra month for me to get since I only get stuff forwarded monthly (to save money).Is there any way to get checks delivered to a secondary address? It's honestly not worth saving the $20 on extra re-shipping fees to spend an hour calling different check companies trying to find loopholes, but it's worth the 1 minute to write this post and see if anyone knows offhand or has experience doing this.
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69% off Tire Valve LED lights, just $0.40 shipped from BG
Added on : Wednesday July 17th 2013 11:00:02 PM
g: 0 Posted By: PraiseBear
Views: 116 Replies: 0 Here is a deal from Banggood.com that came into my mailbox. Deeply discounted are these battery operated, bright colored, waterproofed, motion-activated LED lights that are installed on Tire Valves. They come in 4 random colors. They are activated when the wheel spins, and they automatically turn off when the wheel stop spinning. Not only that they are cool looking, the highly visible LEDs add safety measures on bikes. Easily installed on bicycles, motorcycles and any moving vehicles with standard size tire valves. Regular price: $1.29 each
Use Coupon Code: 000000 (6 zeroes)
Discount: 69%
Net Cost: $0.40
Free shipping. Not sure how BG does it, because it costs less than a 1st class domestic postage stamp.Seller has volume discount also, so the more you buy, the more you save. For example, I'm in for 10, the net cost after coupon code is $0.31 each.LinkyDon't forget to collect 4% FW Cash Back, too.
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McDonald's budgeting demonstration and extreme savings
Added on : Tuesday July 16th 2013 08:00:07 PM
McDonald's is putting together a module to help its employees budget better, which is getting pilloried all over the Internet for making unrealistic assumptions about minimum wage workers.http://www.washingtonpost.com/blogs/wonkblog/wp/2013/07/16/that-...So the figures for heating and health insurance in the original Visa/McDonalds sample budget are hard to defend. But overall, it offers a reasonable picture of how a typical person in the lower half of the income spectrum spends his money.
And the reality is that these low-income Americans have to make the kind of hard choices that critics are deriding as ridiculous. They have to make do with a used car, live in a modest apartment with a roommate, get by with basic cable and a low-end cellular plan, and travel and go out to eat infrequently.
Gawker calls the budget just-shy-of-condescending, but budgeting is an important skill that isnt obvious to every young adult in America. Offering practical advice on how to live on a modest income is more constructive than ridiculing the choices required to do so.I don't want this to be a political thread but you need to look at this from the extreme retirement people, who create a zero based budget starting from the hierarchy of needs and moving up. So you need food and would pick a thrifty food plan with what's on sale at the market that week, housing would be a room in someone's home, you would bike to work or take the bus, and your entertainment would be something free like walking or going to the library. Even in Los Angeles, you can find rooms, utilities included, for $600 or less - go to Craigslist and search under rooms for "utilities included". Food would cost you $150 a month, a bus pass would cost you $80 a month, laundry and miscellaneous expenses $20, and a prepaid phone might cost you $50 a month - for $900 a month in baseline costs, against a CA minimum full time wage ($8 an hour, 40 hours a week, minus taxes) of about $1100. Add an individual studio apartment, entertainment, etc. accordingly to fill out the amount and increase the comfort level. Health insurance is an issue, but starting in 2014 with the ACA someone making minimum wage will have free insurance at the "bronze" level.The big issue is one time expenditures like clothing, security deposits, furniture, etc. and unexpected expenditures - which the minimum wage does not account for. A car would fall under this capital cost category. Many people run back to mommy and daddy for those things, but you would have to save over many months for the minimum subsistence wage to provide for this. If you didn't have someone to fund these one time expenditures you have to deal with the shady signature loan market, with accordingly high rates. But the point of a minimum wage is basically to allow one person to subsist and not starve or be without shelter.Looking at this in CA, monthly expenses only, capital costs excluded:
---
Room - $600 (including utilities)
Food - $150 (thrifty food plan)
Health care - $50 (subsidized clinic now, Bronze health insurance + co pays post-2014)
Transportation - $75 (bus pass)
Incidentals - $25 (laundry, etc.)
Phone - $40 (Page Plus, needed for shifts at work)
---
$940 totalIn other parts of the country I have seen furnished all utilities included rooms for under $300. In those areas you probably will need a car which will cost you about $300 a month in gas, car payment, and insurance (liability only) so it is a wash. I sometimes think about this should I get into a situation where I need to seriously conserve cash. While in my case my housing prices are higher due to PITI, I would consolidate my stuff and have someone stay in an extra room. What's the lowest you could spend a month and still survive?
Nike Action Men's 800 Fill Down Jacket $119.99 + Free shipping @ altrechttp://outlet.altrec.com/odat/Whether snowboarding mid-storm or heading out to the store for some last minute groceries (and it's sub-zero temps), wrap yourself in the lightweight warmth of the Men's Nike Action 800 Fill Down Jacket. Made from 100% polyester and insulated with a minimum of 90% down fill, this men's winter jacket offers comfort and long-lasting warmth against even the coldest winter conditions. Plus, a lined, multi-panel hood adjusts for a customized fit, while a mock neck zips up to the chin or added warmth and lined zip hand pockets help keep essentials secure and fingers warm. Zip into the Nike Action 800 Fill Down Jacket for men and feel the warmth of a winter faced with the power of Nike-engineered down. Fabric: 100% polyester
Insulation: Minimum 90% down fill
Lined, multi-panel hood with bungee cord and toggle for a custom fit
Mock neck that zips up to the chin
Interior zip pocket with cord-management solution to keep media-player cords out of the way
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Jacket is packable into zip pocket
Lightweight
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LINKWithout Subscribe & Save $13.42 & FREE Shipping on orders over $25.Made with organic pasta and real cheddar cheese colored naturally with annatto--a really delicious dish you are sure to relish
Pack of six 5-count boxes
Vegetarian product, zero grams trans fat, and sugar free
Good source of protein, calcium, grown and processed without GMOs Annies Homegrown real cheddar microwavable mac and cheese is just perfect for a quick snack or meal--quick and easy meal made more colorful. Made with certified organic pasta and real white cheddar cheese colored naturally with annatto, it is a really delicious dish you will relish. Just pop one of the pouches into your bag and you have a quick meal anywhere. Just add water and microwave the pasta and you will get a healthy, hot meal fit for one in just three minutes. As an added extra, this is also the prefect size for a childs meal. This is a vegetarian product that has zero grams trans fat and is sugar free. It is a good source of protein and calcium and is grown and processed without GMOs. This is sold in a pack of six 5-count boxes
Baker's Shoes - "Awarding" boot - $99,999.00 - Free shipping
Added on : Saturday July 13th 2013 03:00:03 AM
Price mistake! Better get it before they realize they forgot to add a zero. You may be able to find one of their 25% off coupon codes and get $24,999.75 off! Free shipping on orders over $75. There's a warning in the description that says it contains lead, but I'm assuming they mean you have a "license to kill" if you wear them. Link--> Boots link
Today I got out my "sockdrawered" credit cards that are still active, and destroyed and threw out the expired ones. Then with each of my open CC/debit accounts, I purchased a 90-cent Amazon GC for my own use. (We'll soon learn why that might not have been a great idea...) Like many on FWF, I've accumulated a decent number of credit cards through bonus and BT offers. I have 12 open credit card accounts (almost all with zero balances), as well as 3 debit cards (USAA, ING Electric Orange, and AMEX Serve). So that's 15 cards in total; I think Amazon still had on file various expired cards and prepaid cards I previously cashed out, but I deleted most of them today (until Amazon broke my account.) Some of the cards I used today haven't been used in 2+ years.It didn't seem like such a stupid idea at first; my anticipation was that I would get calls from half of the CC companies, I would assure them everything is a-ok (as usual), and we'd be good. (I know that very small/unusual transactions on cards are a red flag for fraud, especially if the card's been unused for a long time. 90 cent transactions at Amazon tend to be a bit unusual. So I don't blame the issuer for denying it, especially when it could be the first txn in a while.) My reason to make a small transaction/activity on each card was to reduce the likelihood of sockdrawer cards going "dormant" and possibly being closed. There's been discussion on this topic in FWF before, either on cheap transactions to keep CCs "alive" (as I tried to do) or cheap transactions to fulfill reward checking program requirements (eg 10 debit txns/month). So I decided to get cheap Amazon GCs, as I can just deposit them and buy things on Amazon like I always do (sans the 5% bonus from using Citi Forward). You can buy email gift certificates in denominations as low as 15 cents, and they send and are redeemable almost instantly. The 90 cent amount was chosen in part to see which (if any) of the dormant CCs would "cancel out" a very small bill. IIRC some issuers do/did it for statements below ~$1.As I understand, I did not do anything illegal; rather, Amazon probably just found my pattern of transactions to be sketchy. I'm buying 15 $0.90 giftcards individually using 15 different payment methods; that's probably a bit out of the ordinary. I'd figure they lose money from these low-dollar giftcard transactions (eg payment processing fees), but I figured that I'd need to do a huge volume of low-dollar txns for Amazon to take notice. At first I'd imagine they wouldn't care so much about 15 orders as they would care about bulk customers making hundreds or thousands of orders. I'd finished 14 orders, each on a different card (but all on the same Amazon account and "home" IP addy/PC) by the time I reached the 15th transaction. Surprisingly, not a single transaction had been declined so far!I think the 15th (and last) was for my AMEX Serve card, which still has the $20 on it from the signup offer. It goes through, says order is processing, and I poke around on Amazon some more. Shortly I see an Amazon login page, which just gives me the error "There was an error with your E-Mail/Password combination. Please try again." But I hadn't changed my login so I tried again, then tried changing my password...but still no dice. I can browse public content and it still acknowledges that I'm logged in, but can't access any "restricted" areas at all (ie almost anything in "Your Account" or checkout). I got the "processing order" email for the last one, but not the GC itself. (In retrospect, this may have been caused by me typing my name with middle initial as printed on most cards, whereas the Serve card only has first/last. Or they might have been planning to shut me down regardless.) It now seemed plausible that Amazon broke my account because of the recent activity, but I had received no email or notification about any problems. It seems like they disabled my account for suspicious behavior, but didn't even have the courtesy to honestly notify me of the issue. So uh oh: maybe "error with your email/password" is just Amazon-speak for "we assume you did something pretty bad"...I go to Amazon online support chat, and the rep has very limited info/power on the situation. Apparently no way to escalate; supposedly there's no live online/phone communications with the higher tier support team (it's just email). I had conversations with a couple of reps, and both asked me to provide my billing address, and the phone number for "my bank" so they can escalate the case, as they cannot handle it. (It's a little harder to give the bank contact information when you have transactions through nearly a dozen financial institutions...) So along with explaining the situation (all cards are solely in my name, and I personally hold responsibility and authorize the charges), I go along and read all 13 of the customer service phone numbers I found on my active credit/debit cards. But this information is practically public knowledge, and they know what cards I used anyway.After I provided the requested information, I'm told I'll hear back from an "Account Specialist" within 24 hours regarding my account and order (they kept the last 90-cent order floating in the air). This slightly worries me though; I've heard that Amazon is known to permanently ban "abusive" customers for things like making too many returns, or whatever else they consider "bad customer" behavior. Buying fifteen $.90 giftcards separately isn't really profitable for Amazon (with credit card fees and such). But this pales in comparison to the other business I've done with Amazon over the years (Prime, Associates, and Chase Amazon CC customer), so I wouldn't think they would drop me just because they lost a few bucks here. It seems more plausible that they would just deem me a security threat based on this incident ("sane people don't have 15 credit cards, I'm sure he's up to something"), and maybe ban me on suspicion of CC fraud or money laundering. Of course, I do not and never intended any actions relating to these crimes. Being banned from Amazon would not be fun for me But I'll have to see what I hear back from them.Have any FWFers ever dealt with Amazon over something like this, especially with many tiny orders in a short period of time? What sort of response do you usually get from them, and how does it turn out? The rep suggested that I might later be asked to send in financial documentation such as bank/credit card statements. That seems excessive to me; I might expect that for an AMEX Financial Review or something, but not for the privilege of giving my money to Amazon. Of course they're a private business, they have the right to refuse service for (almost) any reason, and so on. But I might have to rethink doing business if they actually demand financial records just for me to buy books. (plus Amazon seems to have been going downhill in recent years anyway)Any thoughts appreciated. Thanks!
Fuel in a Bottle Energy Shots are $1.50 off
Added on : Monday July 08th 2013 05:00:04 AM
Fuel in a Bottle Energy Shots are $1.50 off at Amazon.com.Fuel in a Bottle Energy is a fast-acting, ready-to-drink Power Shot packed with B-vitamins. With zero calories and no sugar, get the pick me up you need without the crash! http://www.amazon.com/gp/coupon/fuel-in-a-bottle-energy-shots/A3...
Amazon Coupons
ASUS VivoBook S400CA-DH51T 14" Touchscreen Ultrabook Gray
on sale at New Egg for $649 w/ free shipping.Best deal I have seen on a touchscreen laptop with a hybrid drive + touchscreen. All you whiners saying that there's no good deals on a touch screen laptop.... well here's your chance!Some of the specs:
Intel Core i5-3317U 1.7GHz
14.0 HD (1366x768) display with capacitive touch panel and multi-touch functionality
500GB HDD with 24GB SSD for smooth computing and ample storage for all your media files
4 GB RAM
ASUS SonicMaster technology, delivering surprisingly full sound from built-in speakers
2-second Instant On resume time from hibernate mode
32GB x 3years free ASUS cloud storage (valued at $49.99)
Worry free auto back up when battery life falls below 5%
1 year Accidental Damage Protection
Intel HD Graphics 4000
Wireless b/g/n
USB 2.0 x 2
USB 3.0 x 1
HDMI and VGAThe part that impresses me is that they give you 1 year Accidental Damage Protection with 30 days Zero Bright Dot Guarantee. Most manufacturers charge you through the nose for "Accidental Damage Protection" which would include things like accidental spills & such. Atleast an additional $150 & upwards for such coverage.The memory is on the light side for my tastes. 6 or 8 GB would make this deal much sweeter. There's no sense in using a 64-bit OS when you only have 4 GB RAM - but that's just my humble opinion only. And yes, after all it's the "ultrabook" class so expecting more than 4 GB RAM is not very realistic.
Newegg Coupons
Must buy 5 w/coupon on back of wrap(?) Appears that only 12 oz cans of Coke products are on sale (Coke zero & Fanta also pictured), while Pepsi products include varying sizes of bottles as well as 12 oz cans.http://www.acmemarkets.com/savings/view-ads/view-circular.html?c...Sale from 6/28/13 to 7/4/13
Xbox Live Game Sale @ Via Online or Console..
Added on : Tuesday July 02nd 2013 07:00:03 AM
Xbox Live Marketplace has games on sale. Assasins Creed III $15
Borderlands 2$10
Far Cry 3$20
WWE 13$15
Broders in Arms HH$5
Bulletsorm$5C&C Alert $5
Divinity II TDKS$5
Crysis$5
Dragon Age O$5
Mass Effect$5
Fasr Cry Instincts$5
Prey$3
Max Payne 3$10
Perfect Dark Zero$3
ASUS A55VD-NS51 Notebook Intel Core i5 3230M(2.60GHz) 15.6" 6GB Memory DDR3 1600 500GB HDD 5400rpm DVDR/RW NVIDIA GeForce GT 610M on sale @NeweggFlash for $529.99SPECSModel
BrandASUS
ModelA55VD-NS51
General
ColorMocha
Operating SystemWindows 8 64-Bit
CPU TypeIntel Core i5-3230M 2.6GHz
Screen15.6"
Memory Size6GB DDR3
Hard Disk500GB
Optical DriveDL DVD+-RW/CD-RW
Graphics CardNVIDIA Geforce GT 610M
Video Memory2GB
CommunicationGigabit LAN and WLAN
Dimensions14.9" x 9.9" x 1.0"-1.3"
Weight5.8 lbs.
CPU
CPU TypeIntel Core i5
CPU Speed3230M(2.60GHz)
CPU Support3MB L3 Cache Max Turbo Frequency 3.2 GHz
Chipset
ChipsetIntel HM75
Display
Screen Size15.6"
Wide Screen SupportYes
Resolution1366 x 768
Operating Systems
Operating SystemWindows 8 64-Bit
Graphics
GPU/VPUNVIDIA GeForce GT 610M
Video MemoryDedicated 2GB
Graphic TypeDedicated Card
Hard Drive
HDD500GB
HDD RPM5400rpm
Memory
Memory6GB
Memory SpeedDDR3 1600
Memory Slot (Total)2
Max Memory Supported8GB
Optical Drive
Optical Drive TypeDVDR/RW
Optical Drive SpecDL DVD+-RW/CD-RW
Communications
LAN10/100/1000Mbps
WLAN802.11b/g/n Wireless LAN
BluetoothBluetooth 4.0
Ports
USB1 x USB 2.0 2 x USB 3.0
Video Port1 x VGA
HDMI1 x HDMI
Audio Ports1 x Microphone jack; 1 x Headphone jack
Input Device
KeyboardNumeric Keypad, Chiclet Style
Supplemental Drive
Card ReaderSD only
Webcam0.3MP
General
StyleStandard
TypeMainstream
UsageConsumer
Power
Battery50WHrs, 4700mAh, 3S2P, 6-cell Li-ion Battery pack
Physical Specifications
Dimensions14.9" x 9.9" x 1.0"-1.3"
Weight5.8 lbs.
Manufacturer Warranty
Accidental Damage Warranty1 Year Accidental Damage/30-Day Zero Bright Dot
See Less
Warranty
Limited Warranty period (parts): 1 year
Limited Warranty period (labor): 1 year
ASUS A55VD-NS51 Notebook Intel Core i5 3230M(2.60GHz) 15.6" 6GB Memory DDR3 1600 500GB HDD 5400rpm DVDR/RW NVIDIA GeForce GT 610M on sale @NeweggFlash for $529.99SPECSModel
BrandASUS
ModelA55VD-NS51
General
ColorMocha
Operating SystemWindows 8 64-Bit
CPU TypeIntel Core i5-3230M 2.6GHz
Screen15.6"
Memory Size6GB DDR3
Hard Disk500GB
Optical DriveDL DVD+-RW/CD-RW
Graphics CardNVIDIA Geforce GT 610M
Video Memory2GB
CommunicationGigabit LAN and WLAN
Dimensions14.9" x 9.9" x 1.0"-1.3"
Weight5.8 lbs.
CPU
CPU TypeIntel Core i5
CPU Speed3230M(2.60GHz)
CPU Support3MB L3 Cache Max Turbo Frequency 3.2 GHz
Chipset
ChipsetIntel HM75
Display
Screen Size15.6"
Wide Screen SupportYes
Resolution1366 x 768
Operating Systems
Operating SystemWindows 8 64-Bit
Graphics
GPU/VPUNVIDIA GeForce GT 610M
Video MemoryDedicated 2GB
Graphic TypeDedicated Card
Hard Drive
HDD500GB
HDD RPM5400rpm
Memory
Memory6GB
Memory SpeedDDR3 1600
Memory Slot (Total)2
Max Memory Supported8GB
Optical Drive
Optical Drive TypeDVDR/RW
Optical Drive SpecDL DVD+-RW/CD-RW
Communications
LAN10/100/1000Mbps
WLAN802.11b/g/n Wireless LAN
BluetoothBluetooth 4.0
Ports
USB1 x USB 2.0 2 x USB 3.0
Video Port1 x VGA
HDMI1 x HDMI
Audio Ports1 x Microphone jack; 1 x Headphone jack
Input Device
KeyboardNumeric Keypad, Chiclet Style
Supplemental Drive
Card ReaderSD only
Webcam0.3MP
General
StyleStandard
TypeMainstream
UsageConsumer
Power
Battery50WHrs, 4700mAh, 3S2P, 6-cell Li-ion Battery pack
Physical Specifications
Dimensions14.9" x 9.9" x 1.0"-1.3"
Weight5.8 lbs.
Manufacturer Warranty
Accidental Damage Warranty1 Year Accidental Damage/30-Day Zero Bright Dot
See Less
Warranty
Limited Warranty period (parts): 1 year
Limited Warranty period (labor): 1 year
Was almost ready to buy Dell 27 inch monitor but saw this deal going on. Will end in 12 hr.
Got good reviews and is no worse than Dell's monitors.https://www.massdrop.com/buy/monoprice-monitorMonoprice sells it for 390.60 and charges S/H.
Monoprice Coupons
Complete Collection of Financial Resouces
Added on : Tuesday June 25th 2013 11:00:07 PM
How I would go about learning finance today if I was a newbieI've been getting this more and more in my own private life and via PM on here(and a long response just accidentally deleted broke the camels back on me answering it piecemeal).Obviously depending on where you're at already would determine where you would probably want to hop in.It's my belief that most people should follow some pattern like this:
1) They see something in the space that captures their attention and interests them
2) Learn the basic building blocks like time value of money(and get good at it on excel), basic bond valuation, basic macro/micro, etc.
3) Pick up regular financial habit like reading a particular financial news site or show on TV. It just has to be something that interests you enough to be able to keep up with it. This one is very important since most people aren't going to be able to 'crash course' enough information in large blocks of dense reading to really get that far. In most cases it's the regular stuff that really gets someone up there.
4) The real great thing is using google, wikipedia, and investopedia to look up something you don't quite understand every time it comes up from those regular financial habits. See nobody really has the attention span to jump from constant wikipedia entries to more entries. Instead it's the occasional article with some term you don't know much about that spawns a few dense readings that is pretty bearable.
5) Then supplement all of this with the occasional book focused on some particular subject matter that interests you in a more dense fashion.List of many of my financial site bookmarks
Aggregation:
-Street Sleuth probably the best financial news aggregator online that has the last handful of headlines from numerous online sources, many of whom are listed below
-RealClearMarkets Very good focused aggregator of financial news sort of like a Drudgereport of financial news for the day
-Finviz News Besides being quite likely the best free stock screener online Finviz has pretty decent rolling news aggregator
-Then obviously google and yahoo financial news although it's pretty sub par unless you use specific keyword searches into their news search engine.Main general publications:
-Wall Street Journal needs no introduction, WSJ allows a person coming from Google to get by the pay wall a certain number of times a day so if you see an article you want to read just search it's title and you can get past the pay wall
-Financial Times
-CNBC
-Bloomberg
-Businessweek
-Forbes
-Barrons
-NYT Business
-Reuters Business
-Investors Business Daily
-CNN Money
-Fortune Mag(CNN money)
This list is really quite endless and the interesting this is that you'll basically get all of the same information from each of these places because they all rely on the wires to determine content minus maybe a few idiotic personal finance pieces thrown in as filler.Specialized and Original WorkGeneral Dense:
-Zerohedge Despite some of the more apocalyptic postings from some of the staff and very weird comment community they do quite often produce some of the best work in the business
-Dealbreaker A little more 'inter workings' focused news site for original content with a little bit of comedic side of shoveling $hit at key Wall Street players in a TMZ fashion
-Dealbook(nyt) Basically an advanced financial news site for industry professionals
-Market Folly Not particularly high volume, but good valuable information you wont find too many other places. Their weekly "hedge fund links" is usually a great source of info.
-Motley Fool Not particularly more advanced than your typical news site
-247 Wall Street Same as aboveInternational English:
-Globe and Mail Investor
-Spiegel Business
-South China Morning Post Business
-Arabian Business
-African Business News DigitalGeneral Econ:
-The Economist More high brow
-Mish's Global Economic Analysis More low brow
-A lot of this is covered in the general news section otherwise the next place is to go to the think tank publications like Cato, Brookings, etc. depending on the persuasion your after(my quick dig: fyi in this area Krugman doesn't really count since practically all of the think tanks out there actually do real work except him).Trading/Investing News:
-Seeking Alpha Primary utility to me has been their aggregation of company conference calls
-Value Walk Value focused news site
-Value Investors Club Value focused research community
-Wall St. Cheat Sheet Stock specific news and useful earnings report cliff notes
-The Street Even though it's Jim Cramer's baby it has become a bigger player in stock news so it deserves to be mentionedUseful Trading Investment Tools, Research, etc.:
-Zacks Probably best free equity research site
-Morningstar Best free mutual fund and ETF research and info online
-ETF Database Good ETF screener and source of lists
-Finviz Probably the best free stock screener online
-Firecalc Best free historical and/or monte carlo simulator online
-MSN Money Great for stock research particularly in their interactive graphing, historical revenue and income numbers, and tracking of earnings estimates.
-Google Finance Mostly for equity research. Laid out well, but pretty similar to what else you'll see.
-Yahoo Finance Really yahoo key statistics is really all that is left that I like about of habit I still yahoo to look up SEC filings. Places like MSN have mostly beaten them in all the other areas. They have their message boards as a semi unique offering, but those have mostly become a joke.
-Quantum Online Good outfit for researching things like Preferreds
-Big Charts Really nice interactive charts. Great because you can easily customize date ranges, have dividend dates appear on the map, even include the number of news stories for each day, etc. pretty useful
-Earnings Whispers Good source of information on guidance, changes in earnings expectations prior to an earnings release, etc.
-Conference Call Transcripts A search engine for transcripts of company conference calls
-ZenWealth Time Value of Money Calc FYI it defaults to type 0 for payments which means that it assumes end of period payment
-Stock Mapper Mostly just a cool heat map type of site for how the NYSE is doing at any point of the day. Provides a great visual plus it's pretty to look at.
-Citron Research These guys do some pretty damn good short focused researchTech, Angel/Venture Capital, etc.:
-Venture Beat Financial news site for start ups
-Tech Crunch Financial news site for start ups
-Finovate Site for financial start ups. Can watch many of the pitches onlineFollowing Key Financial Investors/Hedge Fund Managers/etc.:
-Financial Titan Thread FWF thread I started covering many famous financial figures
-GuruFocus Site dedicated to following the actions of famous investors
-Hedge Fund Letters A site dedicated to being a depository of letters to investors from various hedge funds. Not particularly up to date on many of them they cover.
-Name.Blogspot One gentlemen has a created a list of blogs for famous financiers and updates new information quite regularly. This one is devoted to Kyle Bass, but if you look in the lower right you'll see other ones this individual follows and posts on.
-Titan Search Query 1 One of 3 search queries I run for a list of names. From there I go to search tools and specify a period of time(maybe 1 month or 1 week) and just look at the recent results mentioning these people. I also go to videos to see if they've done any recent video interviews or presentations
-Titan Search Query 2 Same as before just another list of names.
-Titan Search Query 3 Same as the prior 2Financial Documentaries/Media/Online Class
-Financial Documentaries
-Top Documentaries Go to the Economics section
-Coursera Site for free online courses taught by good professors from top schools
-MIT OpenCourseWare Can look at the course notes of any financial or accounting class you likeTax Information:
-Fairmark Probably the best online source for new tax info out that I know of
-PWC 2013 Tax Planning GuideBooks(note I have a high preference for audiobook so I only *read* a whole book if I think it's worth it):
-The Intelligent Investor
-Security Analysis 6th edition
-Snowball: Warren Buffett
-Berkshire Hathaway Letters to Shareholders (you can actually get all of these online and avoid the book)
-Market Wizards, New Market Wizards, Hedge Fund Market Wizards
-Wilmott's Reading List I probably wouldn't trust anyone more than Wilmott to provide a solid reading list for those that want to look at more advanced books
-Wiley Finance Otherwise if looking at solid financial textbooks today I would mostly stick to what is published by Wiley.Audiobooks(slim pickings out there in good finance books most are the more entertaining sort):
-Liar's Poker
-The Big Short
-Boomerang
-Fools Gold: JP Morgan
-House of Cards: Bear Stearns
-Crash of the Titans: Merrill and BofA
-All the Devils are Here
-The Match King: Ivar Kreuger
-The Dark Genius of Wall Street: Jay Gould
-Den of Thieves: Drexel Burnham Lambert
-King of Capital: Schwarzman
Specifically What Kind of Program Would I Probably Put Someone on That was Interested1) Watch "The Ascent of Money"2) Watch "Commanding Heights: Battle for the World Economy"(probably the biggest list of key world figures taking part in one documentary ever made)3) Seek out a basic understanding of the following concepts(via google, wikipedia, investopedia, or a class on coursera or MIT OCW):
a) Time Value on Money calculations: Should set a goal to get pretty good on multi step calculations on excel
b) Key assets: Coupon bonds, zero coupon bonds, convertible bonds, preferred shares, common stocks, and shares in pass through entities such as Master Limited Partnerships and Real Estate Investment Trusts.
c) Collections of exchange traded assets: ETFs, mutual funds, index funds, etc.
d) Trade execution: Bid, ask, long vs. short, market order vs. limit order, stop loss(don't use), trailing stop loss(don't use)
e) More complicated assets/derivatives: Call option, put option, asset backed security/mortgage backed security.
f) How call and put options operate from the perspective of the seller or buyer to the point they could draw an options return profile themselves.
g) Bond valuation
h) How to read financial statements(income statement, balance sheet, cash flows) knowledge of how to write up journal entries not required.4) Pick up some regular financial habit(s). The list above should provide plenty of options. If I were to suggest a couple I would say:
a) Street Sleuth for a while. You'll eventually start to notice you navigating to particular sites on Street Sleuth, but at first it's a great place to see what headlines grab your attention.
b) Real Clear Markets. Content is just nice and balanced. Good mix of basic and more advanced. Good mix of bullish and bearish work. Good mix of the main news for the day with some of the less talked about stuff. Just a very well designed news site.
c) Whatever else listed above interests you. WSJ is a good choice. So is Zerohedge and Dealbreaker. Snagging video from the financial titan search queries are really interesting as well.5) I would then supplement that with some reading.
-The Intelligent Investor
and
-Security Analysis
are probably the most ideal starting points
This is all I've got for tonight I might add more later on. I'm sure I forgot a bunch and it's getting late.
6 pages of FAR items at Newegg
Added on : Tuesday June 25th 2013 02:00:05 AM
http://www.newegg.com/Net-to-Zero/PromotionStore/ID-187?SID=JMcN...
Newegg Coupons
Free Quarter Pounder Coupon with FREE My Coke Reward Code Entry YMMV
Added on : Saturday June 22nd 2013 06:00:07 AM
coke rewards:Simply enter any MCR code and youll receive a coupon for a FREE McDonalds Quarter Pounder* with cheese if you don't have a code, enter
PASSTHECOKE, then go to "my special offers" Meals Promo.Some accounts are seeing a ZERO point offer for the 1/4 pounder coupon, others see the 50 points. Def. a YMMV situation, but worth a try since the code PASSTHECOKE is free to enter.

http://www.mycokerewards.com/multipleEnterCode.do?WT.mc_id=EM255...
here is the email i received after enter the code:

Congratulations on choosing your reward. This email is a receipt which confirms that you redeemed 0 points for : Free McDonald's Quarter Pounder* Burger.

You will receive your reward within the next 2-4 weeks, but between now and then you can check the status of your rewards anytime. Just log in, click on "My Account" and choose the "Where's my...?" tab.

Want to get your hands on more Free McDonald's Quarter Pounder* Burger coupons? Check it out in the MCR catalog here for only 50 points.

*Weight before cooking 4 oz (113.4 gms). Expires 07/30/13. Valid only at participating U.S. McDonald's. Not valid with any other offer, discount, coupon or combo meal. Cash value 1/20 of 1 cent. Limit one coupon per person per visit. Coupon may not be transferred, auctioned, sold or duplicated in any way or transmitted via electronic media. Valid when product served. May not be valid for custom orders. Void where prohibited. 2013 McDonald's.
MCR OFFER.... FREE Quarter Pounder
Added on : Saturday June 22nd 2013 05:00:13 AM
I Just received an e-mail from MCR, zero points required ...
but you need to enter 1 code to get the free offer.
You still get the points for the code!!
Simply enter any MCR code and youll receive a coupon for a FREE McDonalds Quarter Pounder* with cheese. Take your pick of three tasty, brand-new varieties: Bacon Habanero Ranch, Bacon & Cheese and Deluxe. Mouth watering yet? Lets eat.
Coke 12 packs (classic, diet, zero and sprite only) $1.99ea limit 4 & Must Buy 4 w/$10 add purch.Stewarts Fountain Soda Bottles 5 packs for $10Kraft Singles, Shreds, Chunks or Crumbles (7-12oz based on type) 2 for $3 w/in ad coupon need a coupon for each 2 you buy.
MCR OFFER.... FREE Quarter Pounder
Added on : Saturday June 22nd 2013 04:00:09 AM
I Just received an e-mail from MCR, zero points required ...
but you need to enter 1 code to get the free offer.
You still get the points for the code!!
Simply enter any MCR code and youll receive a coupon for a FREE McDonalds Quarter Pounder* with cheese. Take your pick of three tasty, brand-new varieties: Bacon Habanero Ranch, Bacon & Cheese and Deluxe. Mouth watering yet? Lets eat.
You can see it at Amazon. Amazon sells it for $80 but there are marketplace sellers that charge under $50 shipped. Online WalMart says the 4010 is available for store pickup but I don't see the S150. The picture and specs seem similar, but I bought the S150, NOT the 4010. I bought the only two at the Crenshaw/MLK store. $20 each. According to the tags, they were originally $98.88, then $30.00, then $20.00 They were on a shelf under and behind a bunch of clearance heavy-duty staplers and heavy-duty three-hole punches.(From Amazon) Up to 150 lb (68kg) weight capacity
Displays weight in 0.2 lb increments
Powered by included AC adapter or 9 volt battery not included
Zero Function - weigh items in a container minus the weight of container
Hold Function - displays weight of item after item is removed from scale
Wall mountable remote displayhere are some numbers, in case someone can work stock-check magic.
071701001078 <-- the UPC
7170100107 <- on the clearance stickers 06/01/13 & 06/06/13
550274837 <- on the clearance stickers
Amazon Coupons
http://www.acehardware.com/product/index.jsp?productId=12602638Features:Holds 250 pounds
21" arm to arm
Padded adjustable headrest
Full double bungee on sides for added support
Braking system in arm to hold chair in position. Can be released by applying pressure with your feet
Powder coated and treated steel frame
All weather quality textile fabric
Folds for easy storage
Ace Hardware Coupons
http://www.amazon.com/gp/goldbox
Mortgage question - 401k loan, HELOC, Bridge, or wait
Added on : Friday June 14th 2013 03:00:05 PM
Would like advice on current situation. Current home was just paid off... We are looking to upgrade to about a 400-500k house. Have put majority of assets into our existing home, 401k, and 529s. Household income in upper 100s. Zero debt/loans/liabilities...Zero credit card debt FICO scores are ~800The dilemma - we want to buy the new house before selling the old one, and do it without a contingency contract for selling existing home (for a variety of reasons).While our networth is high (house which we own outright is worth ~200k, 500k in 401k, 80k in 529 plans), our readily available funds are only about 35k or so.I am thinking about taking out a 401k loan for both me and the wife (so we could borrow 100k) toward down payment (basically giving myself a bridge loan). The loan would be paid off in its entirety as soon as the existing house sells. Looking at bridge loans, this seems like a much better option, gets us out of PMI, overall cost to us is lower, etc. We are financially in a position where paying the 401k loan, along with new mortgage isn't a issue, and would continue to contribute to 401k to get that free company match (and would comfortably meet the standard debt to income ratios).Anyone have any experience doing this? We will be talking to loan officers in near future, and I am trying to educate myself ahead of time.Is a loan officer going to have a issue with me using that amount of money from a 401k plan as down payment? So long as I show the 401k loan payment as a liability and still meet typical debt/income ratios does it really matter?Advice/suggestions/experiencesThanks
http://www.amazon.com/dp/B002ZVOLYI
From the Manufacturer
The GreenWorks products that you purchase have a ZERO carbon footprint. We'll say that again - our entire product line will never release an ounce of carbon emission into the air. 4 Year Warranty - Double The Industry Standard. When looking for lawn tools, we know you're thinking about quality. You're looking for something that will get the job done and get you back to your weekend. That's why GreenWorks backs every tool with a full four-year warranty - we know our products will perform at the highest level and always be reliable. GreenWorks high quality products are manufactured to last. That's why we back every product with a warranty that's twice the industry standard. We'll provide all the power you need without polluting the air or forcing you to keep hauling your gas can to the nearest station (especially in the middle of a mow). No more tune-ups or maintenance. No more emissions. Fifty-four million Americans mow their lawns every weekend, according to the EPA, using 800 million gallons of gas each year. Along the way, homeowners spill more than 17 million gallons of gas while refueling. That's equivalent to the 1989 Exxon Valdez disaster. It's time to move beyond clumsy, harmful gas-powered mowers. It's time for GreenWorks to be your lawn tools for life.
Product Description
25062 Features: -Reel mower. -9 Position height adjustment. -18" Cutting width. -10" Front / 6" rear wheel size . -Assembly required.
Amazon Coupons
sam's club instant savings 6/17-6/23 (maybe YMMV)
Added on : Tuesday June 11th 2013 04:00:03 AM
I found this while I was double checking my account details..It might not be as good as the 2 week offers, but just in case others can use thisTo see the offers (for now it's "upcoming") Click on your account (on right hand side of screen)the middle header bar (you'll see tabs for "My Sam's Club, My Preferences, My Instant Savings, Refer a friend, tools") click on "My Instant Savings" (not sure if this link will work: http://www.samsclub.com/sams/eValues/specialSavingsHome.jsp#/ )The values have not shown up yet, but it's sorta a heads upThe following might be useful for some:Savings on the 2L bottles of soda (maybe $1, i think)
Savings on various HP toner cartridges

140624 HP LaserJet 64A Print Cartridge - Black
140661 HP 78A LaserJet Print Cartridge with Smart Printing Technology - Black
140690 HP LaserJet CE390A Black Toner Cartridge
140697 HP 55A LaserJet Print Cartridge - Black
140716 HP 42A LaserJet Smart Print Cartridge - Black
140724 HP LaserJet CE505X Black Print Cartridge
390428 HP 12A LaserJet Toner Cartridge
583309 HP LaserJet 85A Toner Cartrildge - Black
836767 HP 05A LaserJet Toner Cartridge

motor oil stuff
Limit 3 per Membership 3 remaining
42549 Mobil 1 5W-30 Motor Oil - 1 qt. bottles - 6 pk.
42550 Mobil 1 - 10W-30 Motor Oil - 1 qt. bottles - 6 pk.
100593 Mobil 1 5W-20 - Motor Oil - 1 qt. bottles - 6 pk.
425746 Mobil 1 5W-30 High Mileage Advanced Full Synthetic Motor Oil - 1 qt. bottles - 6 pk.
Limit 4 per Membership 4 remaining
5657 Quaker State 10W-30 Motor Oil - 1 Quart Bottles - 12 Pack
18409 Pennzoil 10W-30 Motor Oil - 1 Quart Bottles - 12 Pack
20711 Pennzoil 5W-30 Motor Oil - 1 Quart Bottles - 12 Pack
74135 Quaker State 5W-30 Motor Oil - 1 Quart Bottles - 12 Pack
386692 Rotella T 15W40 Heavy Duty Motor Oil - 1 Gallon Bottles - 6 Pack

Milk

Office Supply stuff

436672 Scotch 810 Magic Tape, 3/4" x 1296" - 12 Rolls

Limit 5 per Membership 5 remaining
23828 Post-it Notes - 3" x 3" - 100 sheets/pad - 27 pads

Limit 1 per membership
85744 Pilot - G2 Gel Roller Ball, Retractable, Assorted Colors, Fine - 20 Pens

Limit 3 per Membership 3 remaining
45925 Expo Dry Erase Markers - 18 Pack

Limit 3 per Membership 3 remaining
Sharpie - Permanent Marker, Fine, Black - 24 Count
The industry standard, original Sharpie.
Permanent on most surfaces.
Fade, smear and water resistant.
744575 Sharpie - Permanent Marker, Fine, Black - 24 Count

Limit 3 per Membership
18712 uni-ball - Signo Gel 207 Roller Ball Retractable Gel Pen, Black Ink, Medium - 10 Pens
unsalted butter
47993 Hunts Tomato Ketchup - 1000/.32 oz.

candy

Limit 2 per Membership 2 remaining
55386 Sour Patch Kids Watermelon Candy - 24 ct.
674152 Sour Patch Kids Soft & Chewy Candy - 2 oz. - 24 ct.

more drinks
Limit 2 per Membership 2 remaining
151991 Fruit2O Flavored Purified Water Beverage Variety Pack - 16 oz. bottles - 28 pk.

Limit 3 per Membership 3 remaining
642480 VITAMINWATER BONUS 18 / 20OZ BOTTLES
642490 VITMINWTR ZERO BONUS 18 / 20OZ BOTTLES

health related stuff
Limit 5 per Membership 5 remaining
228339 Alka-Seltzer Original Antacid and Analgesic - 116 ct.

Limit 4 per Membership 4 remaining
440955 Members Mark Simple Tie Drum Liners - 55 gal. - 80 ct.

Limit 5 per Membership 5 remaining
201472 Yoplait Original Yogurt Multi Pack - 6 oz. cups - 18 ct.
Limit 3 per Membership 3 remaining
873485 Jack Links Original Beef Jerky - 4.05 oz. - 3 bags
873492 Jack Links Peppered Beef Jerky - 4.05 oz. - 3 bags
873499 Jack Links Teriyaki Beef Jerky - 4.05 oz. - 3 bags
Limit 3 per Membership 3 remaining
352992 SMARTWATER SPORTSTOP 12 / 700ML ST BOTTLE
631615 Smartwater Water - 12/1 Liter
Limit 3 per Membership 3 remaining
381234 POWERade Variety Pack - 24/20 oz.
Limit 5 per Membership 5 remaining
788870 Chex Mix Traditional - 36 ct.
Limit 3 per Membership 3 remaining
4364 Trident Spearmint Sugar Free Gum with Xylitol - 18 piece pks. - 12 ct.
4405 Trident Original - 18 stick pks. - 12 ct.
4426 Trident Cinnamon -18 piece pks. - 12 ct.
667828 Trident Tropical Twist - 18 stick pks. - 12 ct.
800961 Trident Watermelon Twist Sugarfree Gum with Xylitol - 18 piece pks. - 12 ct.
800968 Trident Bubblegum Sugar Free Gum with Xylitol - 18 piece pks. - 12 ct.
Limit 1 per membership
235105 Gatorade Cool Blue - 20 oz. bottles - 24 pk.
385312 Gatorade Lemon-Lime - 24/20 oz. bottles
385319 Gatorade Orange - 24/20 oz. bottles
385536 Gatorade Fruit Punch - 20 oz. bottles - 24 pk.
Limit 2 per Membership 2 remaining
283398 Listerine Pocket Paks Breath Strips - 12 pk. - 24 ct.
Limit 1 per membership
193186 Scrubbing Bubbles Lemon Foaming Bathroom Cleaner - 25 oz. - 4 pk.
270326 Scrubbing Bubbles Bathroom Cleaner - 3/25 oz.
Limit 2 per Membership 2 remaining
BAND-AID Brand Adhesive Bandages - 160ct
All purpose adhesive bandages: protection for everyday cuts and scrapes.
Item #: 694530
694530 BAND-AID Brand Adhesive Bandages - 160ct
Limit 1 per membership
838279 Minh Pork Egg Rolls - 20 ct.
Limit 1 per membership
498025 Red Baron French Bread Pepperoni Pizza - 9 ct.
Limit 1 per membership
361387 Hefty Supreme Plates - 250 ct.
Limit 2 per Membership 2 remaining
32951 M&Ms Milk Chocolate King Size - 24 ct.
32952 M&M Peanut King Size - 24 ct.
Limit 1 per membership
841750 Energizer MAX 9V Batteries - 12 ct. in Resale Packs
841760 Energizer MAX AAA Batteries - 36 ct. in Resale Packs
841788 Energizer MAX D Batteries - 12 ct. in Resale Packs
841954 Energizer MAX AA Batteries - 36 ct. in Resale Packs
842405 Energizer MAX C Batteries - 12 ct. in Resale Packs
Limit 3 per Membership 3 remaining
833905 Diet Coke - 12 oz. bottles - 24 pk.
776912 Coca-Cola de Mexico - 355mL bottles - 24 pk.
107446 Sprite - 16.9 oz. bottles - 24 pk.
107383 Coca-Cola - 16.9 oz. bottles - 24 pk.
896020 Coca-Cola de Mexico - 355mL bottles - 24 pk.
858157 Dr Pepper - 16.9 oz. bottles - 24 pk.
415742 Coca-Cola - 12 oz. bottles - 24 pk.
801128 Diet Coke - 12 oz. bottles - 24 pk.
298713 Coca-Cola de Mexico - 355mL bottles - 24 pk.
776933 Coca-Cola de Mexico - 355mL bottles - 24 pk.
468499 Diet Coke - 12 oz. bottles - 24 pk.
468506 Coca-Cola - 12 oz. bottles - 24 pk.
449642 Diet Dr Pepper - 16.9 oz. bottles - 24 pk.
743835 Coca-Cola - 16.9 oz. bottles - 24 pk.
800840 Sprite - 12 oz. bottles - 24 pk.
667249 Coca-Cola de Mexico - 355mL bottles - 24 pk.
161641 Coca-Cola - 16.9 oz. bottles - 24 pk.
961753 Coca-Cola - 12 oz. bottles - 24 pk.
161648 Diet Coke - 16.9 oz. bottles - 24 pk.
801135 Coca-Cola - 12 oz. bottles - 24 pk./q]
Limit 1 per membership
242062 Pepsi - 24 oz. bottles - 24 pk.
241978 Pepsi - 24 oz. bottles - 24 pk.
242020 Pepsi - 24 oz. bottles - 24 pk.
23547 Pepsi - 16 oz. bottles - 24 pk.
253293 Diet Pepsi - 24 oz. bottles - 24 pk.
641802 Pepsi - 24 oz. bottles - 24 pk.
241673 Mountain Dew 24 / 24 oz. bottles
489004 Pepsi - 16 oz. bottles - 15 pk.
136869 Pepsi - 16 oz. bottles - 24 pk.
136883 Mountain Dew - 12 oz. bottle - 12 pk.
241992 Diet Pepsi - 24 oz. bottles - 24 pk.
136890 Diet Pepsi - 24 oz. bottles - 24 pk.
242069 Mountain Dew 24 / 24 oz. bottles
212125 Diet Pepsi - 16.9 oz. bottles - 24 pk.
23488 Mountain Dew - 16.9 oz. bottles - 24 pk.
228892 Pepsi - 24 oz. bottles - 24 pk.
23497 Mountain Dew - 16.9 oz. bottles - 24 pk.
136876 Pepsi - 24 oz. bottles - 24 pk.
246213 Pepsi - 24 oz. bottles - 24 pk.
219167 Pepsi - 16.9 oz. bottles - 24 pk.
Limit 3 per Membership 3 remaining
785169 Sharpie - Permanent Marker, Chisel Tip, Black - 12 Count
Limit 3 per Membership 3 remaining
847188 Capri Sun Variety Pack - 40 pouches
Limit 1 per membership
48417 Planters NUT-rition Heart Healthy Mix - 1.5 oz. bags - 12 ct.
599047 Planters Nut Variety Pack - 24 ct.
Limit 5 per Membership 5 remaining
82631 BIC - Round Stic Ballpoint Pen, Black Ink, Medium - 72 Pens
82639 BIC - Round Stic Ballpoint Pen, Blue Ink, Medium - 72 Pens
clarified butter, half and half, sour cream
Limit 5 per Membership 5 remaining
164902 BIC Wite-Out EZ Correction Tape - 6 pk.
Limit 1 per membership
824807 Dixie - PerfecTouch, Insulated Paper Hot Cup, 12 oz., Coffee Haze Design - 160 Cups
824835 Dixie - PerfecTouch, Insulated Paper Hot Cup, 16 oz., Coffee Haze Design - 140 Cups
824884 Dixie - PerfecTouch, Insulated Paper Hot Cup, 8 oz., Coffee Haze Design - 160 Cups
964180 Dixie - PerfecTouch, Insulated Paper Hot Cup, 20 oz., Coffee Haze Design - 100 Cups
Limit 3 per Membership 3 remaining
281710 Heinz Tomato Ketchup - 44 oz. - 3 pk.
Limit 2 per Membership 2 remaining
353646 Nestle Pure Life Purified Water - 35/.5L
973703 Nestle Pure Life Purified Water - 16.9 fl. oz. - 32 pk.
sunkist orange soda 24/pk
Limit 10 per Membership 10 remaining
271150 Simply Right Body Care Hand Sanitizer - 67.6 fl. oz.
delmonte stuff
Limit 6 per Membership 6 remaining
39006 Del Monte Fancy Cut Green Beans - 101 oz. can
283046 Del Monte Whole Kernel Corn - 106 oz. can

Limit 6 per Membership 6 remaining
860346 Del Monte Tropical Fruit Salad - 107 oz. can
Limit 1 per membership
102550 Dixie - Bath Cup, 3 oz. - 600 Cups
950163 Dixie - Cold Cup, 5 oz. - 450 Cupsthe nicer version of a brochure should be up maybe on the 15th? maybe this linki admit for copy/pasting, but I can't quite find a way to make it look nice. (sorry)thank you for your patience in viewing this
http://www.classiccityfirearms.com/index.php?l=product_detail&p=...composite in title These are the newest model that includes a factory installed Tapco Single Point Sling Mount!
Complete* Lower - ready to pin onto upper and fire!!!
Lightweight weighs in at 1.6 lbs Thats 7.2oz lighter than a standard lower
Lightest most durable composite polymer lower on the market today
Low maintenance / easy cleaning / scratch resistant
Accepts all standard MIL SPEC uppers and lower parts
Features the accu-group composite fire control system with 4.5lb trigger pull
Can accommodate any brand MIL SPEC LPK upgrade
Reversible safety to accommodate left or right hand shooters
Also available in multiple configurations ◦Complete Lower
◦California compliant complete lower
◦Pistol model complete lower
◦Complete RifleZero Slop fit eliminates the need for wedges
Lifetime warranty against any manufacturer defects when used as directed*Included and assembled with lower: Complete lower parts kit, pistol grip,
commercial buffer tube, buffer, buffer spring, and six position M4 style stock*NOTE: Some .22LR, 9mm and other blowback style uppers use a groove in their BCG that is too narrow for the polymer hammer of the LW-15. In these cases you will need to switch to a blowback style hammer also available in this product category. The blowback style hammer, once installed, will run all rimfire and pistol uppers, and still work fine with standard mil-spec rifle uppers.Check out the torture tests we've put these polymer lowers up against at www.LW15.com or our Facebook fan page at www.facebook.com/NFALW15
It feels strange to recommend an auto lease, but this one intrigued me.$259/mo., $259 due at signing, unlimited miles, includes zero-deductible collision cover, includes all maintenance, includes roadside assistance, three year term.Only available to "residents" of California, Oregon, New York, New Jersey, Connecticut, Massachusetts, Maryland, and Rhode Island.If you have a free charging station at work, your fueling cost could be zero. EPA range 82 miles.http://automobiles.honda.com/fit-ev/
http://automobiles.honda.com/fit-ev/faq.aspx
Student Loan in ICR - How much is owed?
Added on : Sunday June 02nd 2013 09:00:07 PM
I have a family member with the following:Experian credit reports $39k student loan ($36k original amount).
Student loan balance $50k-something from edfinancial.
Monthly payments have been zero or near zero for 10 years under ICR. Balance doesn't change in edfinancial statements or in Experian.I think the ICR capitalization rules are in effect, but how to benefit from this? Is the PIF amount $39k or $50-something? It sounds like it would be pretty dumb to switch from ICR to any other repayment plan if the PIF is $39k.
Boat damage with extreme deposit fines
Added on : Sunday June 02nd 2013 05:00:06 PM
Rented a pontoon boat this weekend for ~$450 + $800 deposit on a credit card. Went around and took pictures with boat rental company of several big dings, and 5 cigarette burns in the carpet.Had a couple smokers on the boat (not me) and three more very small, almost unnoticeable, burns showed up. Stupid, I know, but it happened. They're charging $125 per burn, so $375 total.To me it seems like a racket to figure out ways to keep as much of the deposit as possible. If the boat had zero burns, then we put the first one, I can see how that'd be a big hit...but now it seems like they're imposing a huge smoker's fee. Almost like a rental car with 10 door dings, then you get one more, and they never repair it.Right now, we're thinking the three smokers are going to have to pay $125 each. Anybody have any experience with this type of thing?
All,Looking for your help....I had applied for NFL Barclay card during recent promotion. My credit card was charged 3 transactions, one from travel agency ( $5), one from united airline ( $955) and one from Eva Air ($1236)
Travel agency is in Phoenix,Az. Ticket from united , was booked with my name, while Eva air ticket was booked with different name.I contacted the credit card company on 5/3 when I noticed the charges and created a case with credit card company.Then after few days, they reverted Travel agency charge and United airline. They are still investigating other charge.
Today I received a letter from them saying first two charges are valid and I'm supposed to pay.I did not travel anywhere during those days and never had contacted this travel agency. So clearly its an identity theft/fraud case.What can I do ?
Whom to contact ? What kind of protection I've ?I thought all credit cards (Visa, mastercard.... ) comes with zero liability protection. How can credit card company deny to revert the charges ?Any help is appreciated....
Thanks
Places to read up about building credit
Added on : Friday May 31st 2013 10:00:06 AM
A buddy of mine has zero credit. He ran his credit reports and they came back with nothing. We followed up with a phone call and they looked him up and said he has zero history.Where are some places I can read up about the proper way to build him solid credit.I read http://www.fullofdeals.com/forums/finance/155093/ and I'd really like to get more in depth and find out what specific cards to recommend for him.He's around 26 and owns his own business. This would be for a personal credit card and future car loans, etc.I'd like FWF advice on some quality forums or places to read up on how to start properly.Thanks FWF
Complimentary overnight stay - Atlantic City
Added on : Wednesday May 29th 2013 06:00:01 AM
That's what a glossy on my key said, and I posted about it in Travel Discussion May 21:"Today I picked up a "key" for one free night in AC, good Sun-Thu over the next 30 days. Three Caesars Showgirls were making circles all day: Bryant Park, Times Sq, Wall St, Penn Station handing out keys (you're responsible for $13 tax). I was also told keys were briefly available on-line yesterday noon. The girls were also present on Twitter today, updating their location.
So please follow the action and post if you see similar offered again by same casino group, or most likely another group. I think they do this regularly, at least I've had a lot of opportunities over the years with different Atlantic City promotions. I recall Borgatta and Hilton giving free nights"Well, Travel Discussion produced zero discussion - while most of the four hotels quietly sold-off. There are just a few dates remain unclaimed, according to http://www.totalrewards.com/atlantic-citySelect either Harrah's, Showboat or Bally's (Caesars was available when I first posted, but it's completely sold out by now). Then select "flexible" dates. Then use code "SHORE"; and PKG will indicate the dates which are still available!
Any date marked "PKG", will show $8.96 (and then $19.80 with all taxes) - including PREMIUM and WATERFRONT. Once you establish the room/date you want, call 800-223-7277 and tell them the story about the Showgirls promo in Manhattan. Get supervisor to take $8.96 off. Let me know what you got!!
1000 rounds of .40 Federal American Eagle FMJ for $399 shipped
Added on : Tuesday May 28th 2013 07:00:04 PM
1000 rounds of Federal American Eagle FMJ 180gr .40 for $399 with free shipping from Sportsmans Outdoor Superstore (which I've purchased many guns from in the past, and had zero issues)39.9 cents per round, shipped to your door. Beats standing in line at the store for essentially the same price as the store. My wally world had these for 41 cents a round plus city tax. So this is actually cheaper than my WalMart. 1000 Rounds LINKY
Online Code: MEMORIALD25
http://www.bonton.com/Online Only!
Discount details for our $25 off $75 purchase offer
Monday, May 27, 2013Save $25 off an online regular and sale price purchase of $75 or more. How to receive your discount online:
1.After adding items to your shopping bag, proceed to the Checkout.
2.Enter this code MEMORIALD25 in the Promotion Code box. Click "Apply." (0=zero; letters must be uppercase)
3.Click "Checkout" to proceed with Billing & Shipping.
Your discount will be reflected on valid items immediately after you click "Apply" in the Shopping Bag. See below for exclusions. Offer valid Monday, May 27, 2013. Promo code is valid online only and cannot be used in our stores.Online Code: MEMORIAL13Y
Discount details for our Memorial Day Sale
Wednesday, May 22 - Tuesday, May 28, 2013Save an extra 25% on regular and sale price apparel and fine jewelry; save an extra 15% on regular and sale price accessories, footwear, intimate apparel, maternity, ladies' and men's outerwear and suits, men's tailored clothing, home store and luggage; save an extra 10% on regular and sale price fashion watches, small electrics, health & wellness and toys.Online Code: MAYGOLF2013
Discount details for our Men's Golf Sportswear Event
Wednesday, May 22 - Tuesday, May 28, 2013Take $25 off your regular or sale priced men's golf sportswear purchase of $75 or more.
Bon-Ton Stores Coupons
( Full Lifetime Warranty) http://www.sears.com/shc/s/p_10153_12605_07169605000P?PDP_REDIRE...Product DescriptionIdeal for use in all conditions. Remains flexible to 25 deg. below zero and withstands temperatures to 160 deg. F. Lifetime [ALL_Warranty].
New concave hexagonal shape
Reinforced radial tire cord provides 500 psi burst strength
Crush-proof brass coupler
Sears Coupons
www.biglots.comSALES VALID SUN-MON 5/26-27 only while supplies last
PROSCAN JELLY BEAN 4.1 Android w/Case and Keyboard $79.88
SPECS: 1.2ghz proc, multitouch screen, 4GB internal, 800x400 res, WIFI, front camera____________________
Rocker Recliners $299.99Armless Accent Chairs $88Glider Recliner w/Ottoman $199.99Outdoor Water Slides $17.99Zero Gravity Chair w/Canopy and Pillow $39.99125ft Garden Hose 5/8" $2016" Stand Oscillating Fan $1950" Swivel Mount TV Stand $149.99
Move over Vic? Economic Case for EVs
Added on : Thursday May 23rd 2013 07:00:08 AM
Article states EVs have a cost of near zero:WSJ - use Google if paywalledAnyone have EVs and share their financial (and other) experiences? Eliminating gasoline expenditures sounds good to me, but how do electricity costs compare, especially in high cost areas like California?
http://sellout.woot.com/offers/rawlings-baseball-glove-4-optionsShips in 1-2 business daysCondition: NewFeatures:
Your choice of the following:

Sandlot 11.75" Baseball Glove Price $39.99 ∙ 11.75" infield glove
∙ Pro I Web pattern
∙ Recommended for adult or elite player
∙ 25% player break-in
∙ Retro leather shell
∙ Full-grain leather lace and lining
∙ Pro "I" web is typically used in middle infielder gloves
∙ Conventional back provides flexibility and strength
∙ For right-handed throwers
Gold Glove 11.5" Youth Baseball/Softball First Base Glove Price $19.99 ∙ 11.5 glove
∙ Youth pattern
∙ Basket web with fingerhood design
∙ All leather shell
∙ Zero shock sting absorption
∙ Available for right-handed or left-handed throwers
Renegade Basket Web Youth Baseball Glove Price $24.99 ∙ 11.5 glove
∙ Renegade Series
∙ All leather shell
∙ Basket web
∙ Palm pad
∙ For right-handed throwers
Fastpitch Series Youth Softball Glove Price $19.99 ∙ 11 glove
∙ Girls fastpitch model
∙ Pigskin leather design shell
∙ Pink accents for the up and coming softball player
∙ Zero Shock sting reduction
∙ For right-handed throwersShipping Note: Eligible for shipping to all 50 statesWarranty: 90 Day Rawlings
Flat ship is $5 and woot off also going on if you find something else.http://www.woot.com
http://home.woot.com
http://kids.woot.com
http://sport.woot.com
http://wine.woot.com
woot! Coupons
Angie's List: a Colossal Scam?
Added on : Sunday May 19th 2013 07:00:05 AM
I hope this is the right forum for this type of a post.I just want to post on my experience of using Angie's List, and what I have learned.In summary, I believe that unlike what is advertized, Angie's List is not a Consumer Friendly Review Site. It operates a rather sophisticated marketing machinery, and primarily is a paid Yellow Pages type service, using internet and direct mail as marketing channels, while disguising itself as a consumer friendly website.First, my experiences.On three different occasions, in three different metropolitan areas (Minneapolis / St Paul, MN; Indianapolis, IN; and Norther NJ, NJ / NY), I signed up for Angie's List. In all three cases I was looking for local business reviews, and each case, a google link from Angie's List was at the top, advertizing (falsely, as I will find out) that Angie's List has reviews on the local business. The businesses searched were: (a) gutter cleaner and mold cleaner, (b) kitchen contractor, and (c) mortgage broker.In each of the three cases, based Angie's List claim that they had reviews for a specific contractor, I signed up, paying for the 1-month fee only, in order to have access to the full website. In all three cases, it turned out, that they did not have ANY reviews for the specific contractor, despite advertizing so earlier. Bait and switch? You decide.Having already paid for the monthly service in the first two cases using a one-time credit card, I simply let the memberships expire. However, both during membership, and after membership, Angie's List relentlessly spammed my (already-spammed) e-mail account, sending tons of unsolicited ads from various businesses I had no interest in dealing with. In the first two cases (Minneapolis and Indianapolis), I had signed up for relatives (I myself live in NY / NJ). In the third case, I signed up with my own address.In the third case, I had to make a phone call to cancel. I canceled within about 20 days of signing up. First of all, cancelation was not easy. Second, they did not extend the courtesy of refunding the entire amount, but rather, only pro-rated for the remainder of the month, even though I explain that I got ZERO value from them. And third, after I told them that I firmly believed that they had done a bait-and-switch for the third time, they had nothing to say.About a month after canceling the third service, I received a paper brochure from Angies, "Angies List New York City and New Jersey Edition, May 2013", which is basically a collection of unsolicited advertizing.There are basically 2-3 completely USELESS "articles", and then after that, we have page, after page, after page of relentless advertizing from local businesses I have ZERO interest in. You want some examples? Here we go:- Laser Skin Rejuvenation from Dr Glenn K* of T* F*, NJ,
- Implants and Dentures from Dr. Edgar A*, DMD, of some town in Middlesex County, more than 50 miles away,
- tons of kitchen remodel advertizements (I have a brand new one),
- tons of painter advertizement (I don't need painting),
etc.So my conclusion is as follows: Angie's List is a sort of a new Age Yellow Pages / Useless Entertainment Book coupon, but CHARGING consumers anywhere from single digit to double digit dollars per month, while claiming to be a consumer focused business review / referal system.I thought this would be useful for FWF community to know, given how much house maintenance / repair, mortgage broker discussion topics we have.
This Friday and Saturday ( May 17 & 18) Kmart is doing a secret member event. They will double any points you use up to $15.this event is valid in CT, DE, IA, IL, IN, MA, ME, MI, MN, NH, NY, OH, PA, RI VT & WI.REDEEM UP TO $15 AND WE'LL DOUBLE THEM MAKING THEM WORTH UP TO $30 WORTH.I was at my local Kmart and the cashier told me secret member event. I personally confirm it workedI had $4 in points and I got $8 worth of stuff and I paid zero.
Kmart.com Coupons
HUGE... FREE after rebate sale at Newegg!!!! MANY ITEMS
Added on : Tuesday May 14th 2013 11:00:02 PM
http://www.newegg.com/Net-To-Zero/PromotionStore/ID-187?cm_sp=Homepage_TopRightV1-_-nepro/13-1890-_-http%3a%2f%2fpromotions.newegg.com%2fnepro%2f13-1890%2f269x120.jpgClick on the link to see the many rebatesITEMS ARE FREE AFTER REBATE
Newegg Coupons
Orville Redenbacher's Popcorn, Butter, 3.3 Ounce (Pack of 36) $6.18 w/S&S Almost 7 1/2 pounds total
Amazon Mom Prime member w/5 or more S&S in the same month - $5.21
Use Subscribe and Save for free shipping

Product Details
Shipping Weight: 9.1 pounds

Orville redenbacher's microwave popcorn (butter flavored popcorn) in family favorite popcorn bags, a perfect balance of butter flavor and salt
Made with zero grams of trans fat (no trans fat) per serving and 100% whole grain gourmet popping corn (popcorn) per serving
Orville redenbacher's microwave popcorn pops up in minutes to give you a delicious, light, and fluffy snack that is perfect anytime
Popcorn is a delicious and wholesome treat, is 100% whole grain, a good source of fiber, and free of trans fat per serving
Butter up the family with these delicious, whole-grain varieties everyone will love no other snack draws a crowd like a warm, delicious bowl of popcorn pop a bag and get ready for company

http://www.amazon.com/gp/product/B00BKUULEO/ref=rcxsubs_mys2_pro...
Amazon Coupons
Craftsman 5/8 in. x 100 ft. All Rubber Hose for $29.99 + free shippinghttp://www.sears.com/shc/s/p_10153_12605_07169605000P?PDP_REDIRE...Item # 07169605000P Model # 69605
Ideal for use in all conditions. Remains flexible to 25 deg. below zero and withstands temperatures to 160 deg. F. Lifetime [ALL_Warranty].
New concave hexagonal shape
Reinforced radial tire cord provides 500 psi burst strength
Crush-proof brass coupler
with a lifetime warranty - last hose you will buy!

Sears Coupons
Adidas Tour 360 ATV M1 20% off at amazon
Added on : Monday April 29th 2013 02:00:05 PM
Amazon has a promotion for 20% off some shoes, handbags and more.I noticed that the current model Tour 360 ATV M1 has the discount. I know that this isn't a smoking deal, but current models rarely get discounted. They tend to be excluded from coupons as well. I'm sure other things have 20% off, but the Adizero Tour was not one of them.Amazon linkAlso, Dicks Sporting Goods currently have $15 of $75, $20 off $100, or $25 off $125, and it seems to work on all Adidas shoes. If you're looking to score the Adizero Tours, this might be a better option.Amazon promo ends May 6th. and Dick's ends today.
Amazon Coupons
For your worthless electronic junk that you can't get rid of even for free, e.g. 10+ year old dead desktop computer sitting in the attic wasting storage space.Find a box, pack it and send it with the free prepaid UPS shipping label. They can recycle most electronic items you can think of, not just computer stuff."If youre not using that electronic device anymore, send it to us! Well make sure that your product is safely recycled at one of Sims Recycling Solutions domestic processing facilities where a zero-landfill policy and proven sustainability give you peace of mind in knowing that your electronics will be managed responsibly. The cart will accept 10 items and generate a label for each item. Individual items may be combined into a single package with a weight limitation of 70 pounds per package, and any unused labels may be discarded."LinkyCourtesy of Apple
Find a box, pack it and send it with the free prepaid UPS shipping label. They can recycle most electronics you can think of, not just computer stuff."If youre not using that electronic device anymore, send it to us! Well make sure that your product is safely recycled at one of Sims Recycling Solutions domestic processing facilities where a zero-landfill policy and proven sustainability give you peace of mind in knowing that your electronics will be managed responsibly. The cart will accept 10 items and generate a label for each item. Individual items may be combined into a single package with a weight limitation of 70 pounds per package, and any unused labels may be discarded."LinkyCourtesy of Apple
Will it hurt my refi if my checking/savings account is zero?
Added on : Thursday April 25th 2013 11:01:14 PM
Because I want to buy I bonds by April 30, there is a chance my checking/savings account balance will be (essentially) zero dollars when I apply for my refi. Is this going to be a problem? I have other liquid (non-retirement) investments and our paycheck over the next 2 pay cycles would cover our closing costs.
I recently started an online venture (outside of my "day job"), and it has taken off in the last couple months. I was hoping it would make a few hundred dollars here or there, but all of a sudden it's pulling in ~$20k/month. It's currently set up as a simple sole proprietorship, but I'm wondering if I should form an S-Corp or LLC to minimize the self-employment tax. I have zero experience with this sort of thing, and I don't really know anyone who's business savvy, so I thought I'd ask here for advice on where to start. I've read some of the past threads about S-Corps, but I'm still not sure where to start. (I was thinking about checking out a NOLO book on incorporation, and possibly consulting a professional accountant.)I'd also like advice on how to go about finding/choosing an accountant. To date, my income has been on the low side (~$30k/year), so I've always taken a thrifty/do-it-yourself approach. (I hope to get a better paying job in the near future, but that's another story.)I'm afraid that revenue could fall significantly at any time, so I've been reluctant to invest in it, but it's currently going full-steam ahead. Another question is, is it possible to retroactively form the LLC/S-Corp (to classify all 2013 income under the S-corp, even though I haven't incorporated yet)? I just received some large checks made out to me; if I were to open a business checking account and deposit them there, would that help at all? And if revenue nose-dives, how much of the cost of incorporation could I get out of by cancelling it?As far as I can tell the venture doesn't have a significant liability risk, so I'm mainly interested in this for tax reasons rather than liability shielding. If anyone has experience with this sort of thing, can you give an estimate of the costs associated with managing payroll, incorporation, accountant fees, ... anything else I'm missing? I'm in California.Then if I do incorporate, there's the question of what fraction of the income to pay as wages. I've heard that you should pay 50% to be on the safe side, but in this case the revenue is not particularly tied to the amount of work I put in (once something starts doing well, it can continue to bring in revenue with very little input from me). Business expenses are also extremely low. If the fact that there's no significant capital expenditure means I have to pay wages much over 50%, then this whole exercise may not be worth it.I'm also realizing that I should possibly set up some sort of retirement account contribution, since I don't need this cash right away. In the past I've just made Roth IRA contributions, so I don't really know anything about 401(k)s etc.To summarize, main questions are:
At what point is it worth it to incorporate and what are the costs?
What is the best way of learning how to incorporate and to find good professional help?
Is there any way to retroactively incorporate?
General advice very welcome.Thanks for any input, and sorry this is a bit of a scattered question.
How can you protect your assets in case of injury without insurance?
Added on : Thursday April 25th 2013 12:01:38 PM
Is there anything that can be done to protect a persons assets in case they were to need medical attention, and not have adequate insurance?For example...I've been a hardworking person all my life. Most of the time though I don't have health insurance. Just haven't been able to find a good solid non-temp job/career that offers it. I also never made very much money in my life. Because of very frugal living though (never had cable ever, don't go to restaurants, only taken one vacation in my entire life and it was a cheap one under $500), I've been able to build up a net worth of around $100k. About $55k is equity in my house. $30k is from an inheritance which is in the stock market as the beginning of what will hopefully be a retirement fund. $5k is in a cash emergency fund, since I often earn less than my general bills. And the remaining $10k is the value of my car.However I am absolutely terrified that I will loose everything that has taken my whole life to achieve, in the inevitable event that I eventually will need medical attention for something. The medical system is so screwed up here, that it would be very easy to rack up a $100k+ bill after just one accident, one needed surgery, or one health problem.The costs of purchasing health insurance yourself are ridiculously prohibitive as well. If I were to actually purchase health insurance, I'd just deplete whatever money I have in very short order. Many years my earnings are in the negative compared to general bills, other times they break even, occasionally they are a little up, but even in an up year, if I were to purchase insurance, it is so expensive, I'd go in the negative. Its a loose-loose situation though, because if I don't, I'm afraid of getting hurt, racking up a bill higher than my whole net worth in short order, and next thing I know, my house is liened, bank account drained, stock portfolio garnished to zero, car taken away, etc. Just feels like I'll loose everything buying health insurance since I can't afford it, but I'll inevitably loose everything not having it since accidents or health problems are inevitable. Is there anything I can do to protect or shelter what I have? Since if I were to loose everything, I'd never have enough time in life left to get it back.Any advice?
Mega Man Zero Collection: Video Games for $17.75 + free shipping
Added on : Tuesday April 23rd 2013 09:00:04 AM
Mega Man Zero Collection: Video Games for $17.75 + free shippinghttp://www.amazon.com/Mega-Man-Zero-Collection-Nintendo-DS/dp/B0...Four Mega Man Games on One DS Cartridge!The Mega Man Zero Collection is comprised of all four classic Mega Man Zero titles bundled together in one game collection. This popular series having sold over 500 thousand units in North America in their original GameBoy Advance releases is now available for play in a single collection, optimized for play on the DS and at a great price.Free shipping w/ $25(super saver) or with Amazon Prime.
Newegg Better than Black Friday Free AFter Rebate sale OMG
Added on : Tuesday April 23rd 2013 05:00:09 AM
OK here's the link to all the freebies some dont have free shipping enjoy. Thanks to TDMVP on sd.http://www.newegg.com/Net-to-Zero/PromotionStore/ID-182?SID=_O8Q...
FREE AFTER REBATE ITEMS:
Boombug Portable Mini Premium Speaker SPLW11-4 DK BLU [Newegg.com] - Limit 2 Per Household
$24.99 - $24.99 Rebate [Newegg.com] = FREERosewill RCX-ZAIO-92 92mm Sleeve Bearing Fan CPU Cooler [Newegg.com] - Limit 2 Per Household
$19.99 - $19.99 Rebate [Newegg.com] = FREEMaha MHR84VI 1-pack 250mAh 9V Ni-MH Rechargeable Batteries [Newegg.com] - Limit 5 Per Household
$14.99 - $14.99 Rebate [Newegg.com] = FREEKoutech PCI to USB 2.0 Card Model IO-PU520 [Newegg.com] - Limit 2 Per Household
$13.99 - $13.99 Rebate [Newegg.com] = FREEBYTECC Bracket-25350 Dual 2.5" HDD/SSD Bracket for 3.5" Drive Bay or Enclosure [Newegg.com] - Limit 2 Per Household
$10.99 - $10.99 Rebate [Newegg.com] = FREEUltra Thin High Performance HDMI Cable with RedMere Technology 6 ft. (1.8m) [Newegg.com] - Limit 1 Per Household
$13.99 - $13.99 Rebate [Newegg.com] = FREEHAWKING HAI7SIP 2.4GHz Hi-Gain Omni-Directional 7dBi Antenna [Newegg.com] - Limit 1 Per Household
$10.00 - $10 Rebate [Newegg.com] = FREETenda W311MI Wireless N150 Pico Adapter [Newegg.com] - Limit 1 Per Household
$10.00 - $10 Rebate [Newegg.com] = FREERosewill RCHD-12007 10 ft. Ultra Slim HDMI Cable w/ RedMere Technology [Newegg.com] - Limit 5 Per Household
$11.99 - $11.99 Rebate [Newegg.com] = FREEInland Black 10" Simple Neoprene Sleeve with Zipper Model 02425 [Newegg.com] - Limit 1 Per Household
$9.99 - $9.99 Rebate [Newegg.com] = FREEInland Black 7" Simple Neoprene Sleeve with Zipper Model 02420 [Newegg.com] - Limit 1 Per Household
$9.99 - $9.99 Rebate [Newegg.com] = FREEZALMAN High Performance Notebook Cooler Model NC11 [Newegg.com] - Limit 2 Per Household
$35.00 - $34.99 Rebate [Newegg.com] = FREEPioneer SE-CL331-P 3.5mm Connector Canal Headphone - Pink [Newegg.com] - Limit 2 Per Household
$24.99 - $24.99 Rebate [Newegg.com] = FREEiLuv iEP205 (Black) Earbud Bubble Gum II Earphones [Newegg.com] - Limit 2 Per Household
$9.99 - $9.99 Rebate [Newegg.com] = FREEScosche bandEDGE g4 Black Polycarbonate & Rubber Edge Case for iPhone 4/4S [Newegg.com] - Limit 1 Per Household
$4.99 - $4.99 Rebate [Newegg.com] = FREEScosche sunVOLT Black 1500 mAh Solar Powered Backup Battery and Charger SOLBAT2 [Newegg.com] - Limit 5 Per Household
$14.99 - $14.99 Rebate [Newegg.com] = FREECFI Prime 101 CFI-A3089 Black ATX Mid Tower Computer Case [Newegg.com] - Limit 1 Per Household
$15 - $15 Rebate [Newegg.com] = FREELOGISYS Computer PS480D2 480W ATX12V Power Supply [Newegg.com] - Limit 1 Per Household
$5 - $5 Rebate [Newegg.com] = FREEi-ON White 1400 mAh Extended Battery Stick for iPod and iPhone IB-19 [Newegg.com] - Limit 5 Per Household
$5 - $5 Rebate [Newegg.com] = FREEOptical Quantum 25GB 6X BD-R 10 Packs Disc Model OQBDR06LT-10 [Newegg.com] - Limit 1 Per Household
$5 - $5 Rebate [Newegg.com] = FREEMEElectronics Black 3.5mm Stereo Headset for Cell Phones N8P [Newegg.com] - Limit 1 Per Household
$9.99 - $9.99 Rebate [Newegg.com] = FREEFREE AFTER COUPON & REBATE:
Patriot Xporter Mini 8GB Flash Drive (USB2.0 Portable) Model PSF8GMUSB [Newegg.com] - Limit 2 Per HouseholdApply Coupon Code: NET301$5 (after coupon above) - $5 Rebate [Newegg.com] = FREEADATA 4GB NBA Paul Pierce USB 2.0 Flash Player Model ATNBA-4G-CPP [Newegg.com] - Limit 2 Per HouseholdApply Coupon Code: NET513$5 (after coupon above) - $5 Rebate [Newegg.com] = FREEMONEY-MAKERS AFTER COUPON:Apply Coupon Code: EMCXSWL48 at checkout for an additional 20% off.Cavalry EN-CAUH-B 3.5" Black USB 2.0 Desktop External Enclosure [Newegg.com] - Limit 2 Per Household
$10.39 (after coupon above) - $12.99 Rebate [Newegg.com] = $2.60 Money Maker Per UnitRosewill RX-DU101 Plastic 2.5" & 3.5" Black USB 2.0 Docking Station [Newegg.com] - Limit 2 Per Household
$19.99 (after coupon above) - $24.99 Rebate [Newegg.com] = $5 Money Maker Per UnitNOTE: The 20% off coupon can only be used once per account, so please keep that in mind. The promo code expires on 04/25/13 at 11:59 PM PDT; maximum discount $200.00 per order.Rebate forms and pricing will update shortly.SHIPPING INFO: Please check individual item pages for shipping costs. Everything should be Shop Runner eligible.
Newegg Coupons
Property Tax Question
Added on : Tuesday April 23rd 2013 04:02:17 AM
Ok, I'm a bit confused here...I bought a new construction house for around 140k last year, paid full in cash. This year the property tax statement came in and it was only around 300 bucks, I thought it was just for January. I thought they where going to send me another letter for Feb for another 300, but when I looked online at my property tax account, it said I dont owe anything and my account has a zero balance.I remember when I was going to sign a mortgage with the builder's lender, it stated on the paper work it was 300 for property tax each month added to my mortgage.So do I pay less property tax when I own the house outright? 300 per year(non-mortgage) vs 3,600 per year(w/ mortgage)I live in the Dallas-Fort Worth area
Estate Sales Deals (maybe garage sales too)
Added on : Sunday April 21st 2013 10:02:49 PM
I regularly see signs for garage sales near where I reside, but the 2-3 I have been to in recent years did not impress me so I never pursued the subject further. Yesterday, I noticed a sign for an estate sale, and after some web-searching, I realized that these are very common (at least 20 with driving distance of me this weekend alone). Moreover, there are sites that display all the items up for sale at most of these estate sales, and some of the stuff out there seems very valuable.Anyone make some serious money going to estate sales? I am especially interested in buying art, even though I have zero knowledge on valuation.How do you guys sell your purchases at estate sales other than via eBay/Amazon? Any suggestions for bargains, bidding etc...?
Rent Vs Buy in AZ (Another thread - 24 yrs old)
Added on : Sunday April 21st 2013 01:01:17 AM
Me: Single 24 year old male looking to purchase first home in AZ.Let me start by saying I've been reading many rent vs. buy threads on this forum. I would appreciate feedback on my specific situation.Finance situation:
ZERO debt (No car payment, credit cards (PIF each month), or student loans - NOTHING) Credit score is about 780.
Salary is $49,300 plus $5,000 yearly bonus at a very stable fortune 500 company. Job security is high (recently promoted). Have a BS in Finance (Please don't bash me about this post).
$25,000 in scottrade account (Index Funds)
$6,000 in roth IRA
$13,300 in 401k
Working on building liquid savings . I know I should have some liquid savings but I simply continue to stock away in my Scottrade account.Currently, my living situation involves renting a room from a friend who owns a house out in Peoria, AZ. I pay $450 rent and half utilities (~$120 ish) which amounts to about $570 total per month. So far, this situation has worked out okay. I'm fine with staying here a little longer, but I want to start thinking of my next move.I've been browsing properties online and the houses in the area I would like to live range from about $130K - $150K, although I would like to stay closer to the $130K range. I'm not looking for a house so much as an investment, but a place to live and make my own. I would like to possibly rent one of the rooms out, however, I am not considering this as an ideal situation just yet. I'm the mechanical type, so a man cave garage is definitely calling my name for my hobbies (cars & quads). I would like to finance this house with a 30 year fixed mortgage, and put as little down as possible (FHA?). I know by not having the 20% down, I'm paying PMI, and that is something I am fine with. I know many people will ask how long I plan on living in this house, truth is, I do not know. I would definitely live in the house for atleat 5-7 years, possibly much longer, I would then look to rent it out or possibly sell it depending on how the market is at that time. However, I've also never lived in an apartment entirely on my own and it's one of this things I sort of want to experience while I'm still young before commiting to home ownership. My fear is if I rent an apartment, interest rates may move against me. Apartments will rent for roughly anywhere from $500 - $750 where I am looking.What do you FWF's think? Should I buy or rent?Thanks.
http://images.iheartwags.com/ad_scans/2013/0414/wags041413.pdfad scan thx to ihwags/erica 
FARR:AllergEase Natural Herbal supplement (21 ct) WIC 268475 - $4 get $4 RRMorton Plain Epsom salt (4 lb) WIC 232905 - $4 get $4 RR (new product)3M Nexcare Blister Waterproof bandages (6 ct) WIC 155110 - $3.50 get $3.50 RR (new product)RC Ten, Dr. Pepper Ten, 7-Up Ten, Sunkist Ten, A&W Ten or Canada Dry Ten (2 L) - $1 get $1 RRchoice of one per order, can not roll RR on another soda listed)
Crest Pro-Health Rinse 500 ml $2.99 = $2 RR
Use the $1.50/1 Crest Rinse 458 mL+ coupon found in the 3/31 PG (Expires 4/30)
Or the $1/1 Crest Rinse coupon found here http://www.pgeveryday.com/
Pay as low as $1.49
Get back $2 RR
Final cost FREE + $0.51 money maker! 
Bic disposable razors Buy 1 get 1 50% off
Use the $3/1 Bic Flex4, Flex3, Comfort 3 Advance, Hybrid Advance 3 or Hybrid Advance 4 coupon found in the 4/14 SS
Use the $3/1 Bic Soleil Disposable Razor coupon found in the 4/14 SS
Use the $3/1 Bic Disposable Razor coupon found in the 3/17 SS (Exp. 4/14)
Deal Scenario:
Buy 2 Bic Silky Touch disposable razors fr Women 10 ct $3.99 (based on online price)
Minus the Buy 1 get 1 50% off sale = $5.99 for both
Use 2 $3/1 Bic Disposable Razor coupons found in the 3/17 SS (Exp. 4/14)
Final cost 2 FREE packs!Glade Plugins warmer, spray 8 oz, solid 6 oz or decor scents refill 3/$3
Use 3 $1/1 Glade Plugins Scented Oil Warmer coupons found herehttp://www.coupons.com/coupons/?pid=15493&nid=10&zid=yn07&plid=E...and here
https://www.rightathome.com/Offers/Pages/default.aspx
Final cost 3 for FREE!  
thx collin/h2s Other RR items:Crest Pro-Health or Oral-B - $2.99 get $2 RR
Crest PH Clean Mint (6 oz) toothpaste
Crest PH Clinical Mint (6 oz)
Crest PH For Life Smooth Mint (6 oz)
Crest Mouthwash (500 ML)
Oral-B Cross Action PH toothbrush
Oral-B Cross-Action regular toothbrush
Oral-B Cross Action PH For Life toothbrush
Total Protection Enamel (6 oz) & PH For Kids rinse (16.9 oz) listed at $2.99 w/o RR
Crest $1.50/1 458mL+ Rinse ets (4/30/13)
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)Listerine Cool Mint or Ultra Clean Cool Mint mouthwash (500 ML) - $3.99 get $2 RR
Total Care, Ultra Clean Artic, Fresh Burst, Zero, Gold all listed at $3.99U By Kotex Super Plus (18 ct) tampons - $3.99 get $2 RR
Super and regular listed at $3.99 likely included
Kotex $.50/1 U product excludes 14-22ct liners (5/4/13) SS 3/24/13
Loyalty Point offers:Buy $30 or more participating Walgreens Nasal strips, Saline Packets, Kettle Neti Pot kit, Wal-Fex, Sudafed, Wal-Zyr, Benadryl, Zyrtec, Tylenol or Visine get 5,000 points (monthly deal)
Zyrtec 24 HR (30 ct w/10 free) or (25 ct) Liquid Gels - $18.99 on 4/14Buy $20 or more participating Advil, Excedrin or Thermacare products get 5,000 points (monthly deal)
Advil Infant drops (.5 oz) or JR Strength (24 ct) - $5.99 and BOGO 50% on 4/14
Advil liquid Children (4 oz) - $6.99 and BOGO 50% on 4/14
Advil PM (40 ct) caps - $8.99 and BOGO 50% on 4/14
Advil (100 ct) tabs - $9.99 BOGO 50% on 4/14
Advil Liqui-Gel (80 ct) or Migraine (80 ct) - $10.99 and BOGO 50% on 4/14
Excedrin Xtra Strength (100 ct) caps - $8.99 on 4/14
$1.50 mq in Sunday 4/14 paper
Thermacare (2 ct) - $6.99 and BOGO 50% on 4/14
Thermacare Cold Joint or Muscle wrap - $8.99 and BOGO 50% on 4/14 (new product)
Thermacare $1/1 Cold Wrap 1ct or HeatWrap 2ct+ (6/22/13) RP 3/24/13
Advil $1/1 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 Children's (5/31/13) RP 3/24/13
Advil $1/1 Migraine 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 PM 16ct+ (6/22/13) RP 3/24/13
Excedrin $1.50/1 100ct+ product (4/21/13) SS 3/24/13
Excedrin $1/1 24ct+ product (4/21/13) SS 3/24/13Buy $15 or more participating Secret, Gillette, Vidal Sassoon, Olay, Pantene, Always or Tampax products get 3,000 points (monthly deal)
Always Infinity regular w/wings (18 ct) - $4.99 and BOGO 50% on 4/14
Secret Outlast w/Olay or Invisible Solid (2.6 oz) - $3.99
Tampax Pearl regular unscented (18 ct) - $5.49 and BOGO 50% on 4/14
Tampax Compak Pearl regular (20 ct) - $5.79 and BOGO 50% on 4/14
Always $1/1 pads or feminine cleansing cloth ets (4/30/13)
Always $2.50/2 Infinity or Radiant Infinity pads 12ct+ ets (4/30/13)
Tampax $.50/1 18ct+ ets (4/30/13)
Tampax $2.50/2 Pearl or Radiant including Compak and Active 16ct+ or Pearl Liners ets (4/30/13)
Secret $2/1 Clinical, Scent Expressions or Outlast twin pack excludes .5oz ets (4/30/13)Aleve arthritis tabs (200 ct) - $14.99 get 1,000 pointsAllegra 24 HR tabs (30 w/7 free) - $17.99 Buy 2 get 5,000 points (monthly deal)
$7 mq in Sunday 4/14 paperAllegra 12 HR Child suspension (4 oz) - $9.99 Buy 2 get 3,000 points (monthly deal)
$2 mq in Sunday paperAlmay cosmetics Buy $15 participating get 4,000 points (monthly deal)
Make Up remover towelettes (25 ct) - $5.49 and BOGO 50% on 4/14
Eye makeup remover pads (80 ct) or liquid (4 oz) - $5.99 and BOGO 50% on 4/14
Propel/Repel pencil - $7.49 and BOGO 50% on 4/14
Intense I-color trio - $7.49 and BOGO 50%
Liquid eye liner (.1 oz) - $7.99 and BOGO 50% on 4/14Ban deodorant - $1.99 on 4/14 Buy 3 get 1,000 points (monthly deal)Bayer aspirin Buy 1 get 1,000 points
81 mg (200 ct) - $7.99 ($3 off)
Advanced aspirin E/S tabs (80 ct) - $8.49 ($3 off)
325 mg (200 ct) - $8.99 ($3 off)
81 mg (300 ct) - $12.99 ($3 off)Biore, John Freida hair care or hair colour, Jergens or Curel products Buy 2 get 3,000 points (monthly deal)
Biore Deep cleansing pore nose strips (8 ct) or combo (14 ct) - $5.99 on 4/14
Biore 4in1 cleanser (6.7 oz) - $5.99 on 4/14
Curel lotion original or Ultra Healing (13 oz) - $5.99 on 4/14
Jergens cream Coconut Milk (8 oz) - $5.99 on 4/14Boost products Buy $20 get 2,000 points items BOGO 50%Cerave products Buy 2 get 1,000 points items BOGO 50%Claritin Buy 2 get 5,000 points (monthly deal)
Claritin Pediatric Reditabs (10 ct) - $9.99 on 4/14
$2 mq in Sunday 4/14 paper
Claritin 10 mg (30 w/10 free) or 10 mg Liquigel (24 w/6 free) - $18.99 on 4/14
$7 mq in Sunday 4/14 paperClear Scalp+hair oil (3.3 oz) - $4.99 get 1,000 pointsClorox liquid bleach (30 oz) - $1.69 get 250 pointsClorox, Formula 409 or Pine-Sol 2/$6 Buy 2 get 1,000 points
Clorox Clean Up w/bleach (32 oz)
Clorox Bath cleaner (30 oz)
Formula 409 cleaner (32 oz)
Pine-Sol All Purpose cleaner (40 oz) Colgate products- $3.49 Buy 2 get 2,000 points
Total Advance Sensitive (5.8 oz)
Sensitive Pro 360 toothbrush
Optic White or 360 Optic White toothbrushCover Girl Buy 2 participating nail and eye cosmetics get 1,500 or Buy 3 get 3,000 points (monthly deal)
Eye Enhance shadow (.19 oz) - $5.99 and BOGO 50% on 4/14
Nail Outlast (.37 oz) - $5.99 and BOGO 50% on 4/14
Perf. PT pencil - $6.49 and BOGO 50% on 4/14
Clean Oil control LMU (1 oz) - $7.99 and BOGO 50% on 4/14
Clump Crusher mascara - $8.99 and BOGO 50% on 4/14
$3/2 mq off any GC in Sunday paperCover Girl and Olay Simply Ageless cosmetics $9.99 - $15.99 - Buy 1 get 2,000 or Buy 2 get 6,000 points items BOGO 50% on 4/14 (monthly deal)
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Crest or Oral-B products Buy $10 get 3,000 points (monthly deal)
Crest 3D White Adv Vivid Enamel (4.1 oz) - $3.99 on 4/14
Crest 3D White Artic Fresh or Vivid Radiant (5.8 oz) - $3.99 on 4/14
Crest 3D White Arctic Fresh rinse (473 ML) - $3.99 on 4/14
Oral-B 3D White Pro Flex toothbrush - $3.99 on 4/14
Oral-B Advantage 3D White Vivid toothbrush - $3.99
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)
Oral-B $1/1 Glide floss 35m+ or Glide floss picks 30ct+ ets (4/30/13)
Oral-B $1/1 Pulsar, 3D White, Pro-Health or Complete toothbrush or 2 Indicator or Cavity Defense toothbrushes ets (4/30/13)
Oral-B $3/1 adult battery toothbrush or #D White action rechargeable toothbrush ets (4/30/13)Dentyne Pure Mint (9 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Finest Nutrition products Buy 2 get 2,000 points
Papaya & Enzyme tabs (100 ct) or Iron 28 mg (100 ct) 2/$6.99ICaps products Buy 2 get 1,000 points items BOGO 50%Johnson & Johnson first aid kit, adhesive pads, Band-Aid, Benadryl, Neosporin or Neutrogena Sun Care products buy 2 get 3,000 points (excludes trail sizes and twin packs) (monthly deal)
Band-Aid (10 80) select - $2.99 on 4/7
Benadryl cream (1 oz) - $3.99 on 4/7
Neutrogena Sun Care products items BOGO 50% on 3/31, $3 off on 4/7 & $8.99 on 4/14
Neosporin ointment or cream (.5 oz) or To Go Spray (.26 oz) - $3.99 on 4/7
Neutrogena $1/1 hair, hand, body or men's product (4/27/13) SS 2/24/13
Neutrogena $5/2 hair, hand, body or men's products (4/27/13) SS 2/24/13Kiss or Broadway products Buy 2 participating get 1,000 points
Kiss nail glue - $2.59 and BOGO 50%
Nail artist stickers - $2.99 and BOGO 50%
Kiss 24HR eyelash adhesive - $3.99 and BOGO 50%
Premium lashes - $4.29 and BOGO 50%
Kiss variety pack art kit - $4.99 and BOGO 50%
Kiss nail art kit (3.7 oz) - $6.99 and BOGO 50%
Kiss Pro Lash starter kit - $5.99 and BOGO 50%
Kiss Pro lash - $6.99 and BOGO 50%
Kiss acrylic fill kit - $7.49 and BOGO 50%
Kiss Let Go & Glow top coat trio - $7.79 and BOGO 50%Kraft Mac & Cheese - $.79 Buy 2 get 500 pointsLOreal cosmetics, skin care or Sublime products Buy $30 get 3,000 points 4/20 SaturDate (monthly deal)
W/I S/S eye shadow - $5.49 and BOGO 50% on 4/14 4/20 SaturDate
Color Riche or Trend Setter nail (.39 oz) - $5.99 and BOGO 50% on 4/14 4/20 SaturDate
360 Deep Cleanser (6 oz) - $6.29 and BOGO 50% on 4/14 4/20 SaturDate
HydraFresh toner (8.5 oz) or Advance Revit cleansing towelette (30 ct) - $7.29 and BOGO 50% on 4/14 4/20 SaturDate
Eye makeup remover (4 oz) - $7.49 and BOGO 50% on 4/14 4/20 SaturDate
Volume mascara (.23 oz0 - $7.99 and BOGO 50% on 4/14 4/20 SaturDate
Shocking mascara (.29 oz) - $9.99 and BOGO 50% on 4/14 4/20 SaturDate
$2 face product mq
Sublime items - $11.79 and BOGO 50% on 4/14 4/20 SaturDate
Age Perfect BB cream SPF20 (2.5 oz) - $16.99 and BOGO 50% on 4/14
Revitalift X3 serum (1 oz) - $24.99 and BOGO 50% on 4/14
Youth Code items - $24.99 and BOGO 50% on 4/14 4/20 SaturDate
L'Oreal $1/1 Paris eye product (5/18/13) RP 3/24/13
L'Oreal $1/1 Paris skincare products (5/11/13) RP 3/17/13
L'Oreal $2/1 Paris cosmetic face product excludes Magic Perfecting Base .17floz mini size (4/27/13) RP 3/3/13
L'Oreal $3/1 Paris Youth Code Serum Intense, Day/Night Cream and SPF 30 Day Lotion (5/11/13) RP 3/17/13
L'Oreal $3/1 Telescopic Shocking Extensions Mascara (5/18/13) RP 3/24/13
L'Oreal $3/2 Paris skincare products (5/11/13) RP 3/17/13Mucinex, Delsym or Cepacol products Buy 2 get 3,000 points (monthly deal)
Mucinex 600 MG ER tabs (20 ct) or Max Strength tabs (14 ct) - $10.99 on 4/14Natures Bounty twin pack products Buy 2 get 5,000 pointsNature Made products Buy 2 get 2,000 points items BOGO 50%Nice peanut butter - $2.29 or honey - - Buy 2 get 250 pointsNivea Buy $10 participating products get 2,000 or Buy $20 get 5,000 points (monthly deal)
Skin Firm w/Q10 lotion (13.5 oz) - $11.49 and BOGO 50% on 4/14
Good Bye Cellulite gel (6.7 oz) - $13.99 and BOGO 50% on 4/14
Body G/B cell 10day serum (2.5 oz) - $15.49 and BOGO 50% on 4/14Nexxus products - $10.99 - $16.99 Buy 2 get 2,000 points and BOGO 50%Nice cheese products Buy 2 get 250 points
American singles (12 oz) 2/$4Oscar Mayer bacon 2/$7 Buy 2 get 500 pointsOne A Day products $6.99 - Buy 2 get 1,000 points
VitaCrave Gummies (50 ct)
Mens Pro Edge (50 ct)
Womens or Mens formula (100 ct)
Teen Adv. Tabs (80 ct)Osteo Bi-Flex Buy $30 get 5,000 points items BOGO 50%
Osteo Bi-Flex $3/1 30-60ct (4/17/13) RP 3/3/13
Osteo Bi-Flex $5/1 70ct+ (4/17/13) RP 3/3/13Pantene Expert Series hair care products Buy 2 get 1,000 points
Pantene $3/2 products ets (4/30/13)Pedigree or Cesar pet products Buy $20 get 4,000 points (monthly deal)
Pedigree dog food (13.5 oz) - $10 on 4/14
Pedigree dry dog food 3.5 pounds+ $1 (04/27/13) RP 3/3/13Trident gum (18 ct) or Layers (14 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Wal-itin or Wal-Zyr Buy 2 get 5,000 points (monthly deal)
Wal-Zyr 24 HR (60 ct) - $20.99 and BOGO 50%Walgreens Lansoprazole 15 mg (42 ct) caps - $18.99 get 3,000 points
Walgreens Omeprazole 20mg (42 ct) - $18.99 get 3,000 points
Walgreens Probiotic 4X (42 ct) caps - $18.99 get 3,000 points
Walgreens Smooth laxative 50 day (29.9 oz) - $18.99 get 3,000 pointsOther sale items:Aquafresh Extreme Clean Whitening (5.6 oz) - $2.99
$1 mq in Sunday 4/7 paper
$1 IVC in April bookArrid or Arm & Hammer A/P - $.99Arm & Hammer liquid 2X (50 oz) 2/$6
$1/2 mq in Sunday 4/14 paperAxe deodorant or body spray or Old Spice deodorant (2.6 or 4 oz) - $3.99
Axe $1/1 4oz bodyspray, 2.7oz antiperspirant and deodorant or 3oz deodorant ets (4/21/13) RP 3/24/13BIC razors BOGO 50%
Comfort Twin 2/$3
Twin Select (10 ct) - $3.99
Comfort3 Men (4 ct) - $4.49
Classic shaver (12 ct) - $4.59
Soleil (4 ct) - $6.49
Soleil Bella 4 blade (3 ct) - $7.49
Hybrid shaver system, Flex3 or Flex4 - $7.49
Soleil shaver & trimer (4 ct) - $7.99
$3 mq in Sunday 4/14 paperBubble toys BOGO 50%Centrum & Caltrate - $4 offCoke (12 pk) or Dasani (24 pk) 3/$10Comet cleanser (14 oz) - $.59Conair bobby pins BOGO at $1.59- more expensive hair accessories includedCoppertone or Bain/Sol - $7.99Cover Girl full line BOGO 50%
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Dawn (9 oz) - $.99
Dawn $.25/1 ets (4/30/13)
Dawn $.50/1 Hand Renewal, Power Clean, Bleach Alternative or Oxi ets (4/30/13)Dentyne (16 ct) - $.99Dove body wash or soap BOGO 50%
Dove $1/1 12oz+ body wash excluding Men+Care and trial (4/21/13) RP 3/24/13Glade aerosol (8 oz), Dcr refill (.28 oz)? or solid (6 oz) 3/$3Hefty Cinchsak - $5.99
$1/2 mq in Sunday 4/14 paperICaps Buy 2 get 1,000 points items BOGO 50%Jimmy Dean (2 ct) biscuit or Breakfast Bowl - $1.99Kelloggs cereal or Eggo waffles - $1.99Kleenex tissue (70,100) - $.99Maxwell House instant coffee or decaf (8 oz) - $3.99
3/17 SS $1 one Maxwell House product (4/13/13)Maybelline BOGO 50%Nestle Nips - $.89Nice thin mints (5 oz) or peanut brittle - $.89Nice wax paper, facial tissue, aluminum foil - $.99Nice designer paper plates 2/$3Nice (8 oz) nuts or (12 oz) trail mix - $1.99Nivea lip Kiss (.17 oz) - $1.99
$1 mq in Sunday 4/14 paperNivea body wash (16.9 oz) 2/$7
$3/2 mq in Sunday 4/14 paperOlay skin care 20% offPepsi, Mountain Dew, Sierra Mist (12 pk) 3/$10RC Ten, 7-Up Ten, A&W Ten, Sunkist Ten, Dr. Pepper Ten or Canada Dry Ten (12 oz) 12 pk - $2.99
$1 IVC in April bookRevlon BOGO 50% off all face and eye products
$2 mq in Sunday 4/14 paperRussell Stover BOGO
Sugar Free items (3 oz) 2/$2.19
Chocolate assorted (12 oz) 2/$8.99SoftSoap pump (7.5 oz) BOGO at $2.59 or refill (56 oz) BOGO at $7.99SoftSoap or Irish Spring body wash or Irish Spring (6 bar) soap - $2.99
$1 mq in Sunday 4/14 paper for both productsW Premium diapers 2/$13.48W baby wipes (64 ct) 2/$3.43Walgreens 325 mg tabs (100 ct) - $1.29 and BOGO 50% - various aspirin included in BOGO 50%Walgreens antacid or X/S antacid (96 150 ct) BOGO at $3.99Vicks Dayquil or Nyquil (12 oz) or (24 ct) - $6.99Fillers:Arizona tea 2/$1Hersheys bars - $.59Super Bubbles (8 oz) - $.79 and BOGO 50%
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thnx reg036 & pwcpal; sd
Craftsman Men's Brown Steel Toe Sport Boot for $29.99
Added on : Wednesday April 17th 2013 04:00:04 PM
Craftsman Men's Brown Steel Toe Sport Boot for $29.99http://www.kmart.com/craftsman-men-s-spartacus-steel-toe-sport-w...The Men's Brown Steel Toe Sport Boot Delivers the Long-Wearing Comfort
Say goodbye to skimping with the Craftsman Spartacus Work Boot--after all, anyone whose office is ground zero of a bustling job site or production environment knows that safety boots are one area where only the best is good enough. If youre on your feet all day, you need comfort, and these boots deliver on that need. A mesh lining allows air to circulate, keeping feet comfortable for hours.
Kmart.com Coupons
Zero Gravity Recliner Blue, 2 Pack
Added on : Monday April 15th 2013 09:00:27 AM
From sitting upright to fully reclined, the Infinity Zero Gravity Chair glides smoothly to all positions in between and locks in place with the fingertip locking system.
SOLUTION To American Express Giftcards!! (Get cash)
Added on : Sunday April 14th 2013 07:03:05 PM
Hey everyone, I'm new here. I had been looking at these forums from Google searches because I had a AMEX giftcard that I wanted cash for. Though the posts I read on here didn't give me the answer, I did finally get the cash value of the card so I though I would share it here for anyone interested:1. Register the giftcard with American Express. Call 877-297-4438, which is their special giftcard service number, and enter your card details and the 3-digit security code from the back of the card. Then it will give you menu options 1-5 with the last one seeming promising. However, choose NUMBER 3, which is the button to click for a "declined purchase." It will give you some tips and then say if you have anymore questions, to hit ZERO on the keypad to speak to a representative. From there, just tell the service person you want to add your details so you can use the card for an online purchase and they will do that for you.2. On your Paypal account, make sure that your bank account is linked (Or if you want to just use the cash within the paypal account, that's fine too). Create a donation button that donates money to your own account. This might take a few minutes, but once you finish, it will give you the HTML code to paste into a website. 3. Get the donate link from the button you just generated and donate the amount of your card to yourself. (Note: I had a $100 card, so I donated $94 because there is a $5.95 transaction fee for card purchases) MAKE SURE that you use the SAME information (name, address, ZIP code, etc.) when you donate that you gave to the service representative. ALSO (!!!) use the four-digit code on the FRONT of your AMEX giftcard when you are on the paypal donate page, NOT the three-digit one on the back!4. Now it should be in your paypal balance. From there I simply withdrew the $94 back into my bank account! It's that easy!Have fun and let me know if you have any questions!
Options for true zero cost balance transfer with 0% interest rates
Added on : Sunday April 14th 2013 05:01:26 PM
Looking for a CC with zero percent introductory rate and no balance transfer fees. I know Slate from Chase does, it but anything else out there who offers it? Best regardsHP
http://images.iheartwags.com/ad_scans/2013/0414/wags041413.pdfad scan thx to ihwags/erica 
FARR:AllergEase Natural Herbal supplement (21 ct) WIC 268475 - $4 get $4 RRMorton Plain Epsom salt (4 lb) WIC 232905 - $4 get $4 RR (new product)3M Nexcare Blister Waterproof bandages (6 ct) WIC 155110 - $3.50 get $3.50 RR (new product)RC Ten, Dr. Pepper Ten, 7-Up Ten, Sunkist Ten, A&W Ten or Canada Dry Ten (2 L) - $1 get $1 RRchoice of one per order, can not roll RR on another soda listed)
Crest Pro-Health Rinse 500 ml $2.99 = $2 RR
Use the $1.50/1 Crest Rinse 458 mL+ coupon found in the 3/31 PG (Expires 4/30)
Or the $1/1 Crest Rinse coupon found here http://www.pgeveryday.com/
Pay as low as $1.49
Get back $2 RR
Final cost FREE + $0.51 money maker! 
Bic disposable razors Buy 1 get 1 50% off
Use the $3/1 Bic Flex4, Flex3, Comfort 3 Advance, Hybrid Advance 3 or Hybrid Advance 4 coupon found in the 4/14 SS
Use the $3/1 Bic Soleil Disposable Razor coupon found in the 4/14 SS
Use the $3/1 Bic Disposable Razor coupon found in the 3/17 SS (Exp. 4/14)
Deal Scenario:
Buy 2 Bic Silky Touch disposable razors fr Women 10 ct $3.99 (based on online price)
Minus the Buy 1 get 1 50% off sale = $5.99 for both
Use 2 $3/1 Bic Disposable Razor coupons found in the 3/17 SS (Exp. 4/14)
Final cost 2 FREE packs!Glade Plugins warmer, spray 8 oz, solid 6 oz or decor scents refill 3/$3
Use 3 $1/1 Glade Plugins Scented Oil Warmer coupons found herehttp://www.coupons.com/coupons/?pid=15493&nid=10&zid=yn07&plid=E...and here
https://www.rightathome.com/Offers/Pages/default.aspx
Final cost 3 for FREE!  
thx collin/h2s Other RR items:Crest Pro-Health or Oral-B - $2.99 get $2 RR
Crest PH Clean Mint (6 oz) toothpaste
Crest PH Clinical Mint (6 oz)
Crest PH For Life Smooth Mint (6 oz)
Crest Mouthwash (500 ML)
Oral-B Cross Action PH toothbrush
Oral-B Cross-Action regular toothbrush
Oral-B Cross Action PH For Life toothbrush
Total Protection Enamel (6 oz) & PH For Kids rinse (16.9 oz) listed at $2.99 w/o RR
Crest $1.50/1 458mL+ Rinse ets (4/30/13)
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)Listerine Cool Mint or Ultra Clean Cool Mint mouthwash (500 ML) - $3.99 get $2 RR
Total Care, Ultra Clean Artic, Fresh Burst, Zero, Gold all listed at $3.99U By Kotex Super Plus (18 ct) tampons - $3.99 get $2 RR
Super and regular listed at $3.99 likely included
Kotex $.50/1 U product excludes 14-22ct liners (5/4/13) SS 3/24/13
Loyalty Point offers:Buy $30 or more participating Walgreens Nasal strips, Saline Packets, Kettle Neti Pot kit, Wal-Fex, Sudafed, Wal-Zyr, Benadryl, Zyrtec, Tylenol or Visine get 5,000 points (monthly deal)
Zyrtec 24 HR (30 ct w/10 free) or (25 ct) Liquid Gels - $18.99 on 4/14Buy $20 or more participating Advil, Excedrin or Thermacare products get 5,000 points (monthly deal)
Advil Infant drops (.5 oz) or JR Strength (24 ct) - $5.99 and BOGO 50% on 4/14
Advil liquid Children (4 oz) - $6.99 and BOGO 50% on 4/14
Advil PM (40 ct) caps - $8.99 and BOGO 50% on 4/14
Advil (100 ct) tabs - $9.99 BOGO 50% on 4/14
Advil Liqui-Gel (80 ct) or Migraine (80 ct) - $10.99 and BOGO 50% on 4/14
Excedrin Xtra Strength (100 ct) caps - $8.99 on 4/14
$1.50 mq in Sunday 4/14 paper
Thermacare (2 ct) - $6.99 and BOGO 50% on 4/14
Thermacare Cold Joint or Muscle wrap - $8.99 and BOGO 50% on 4/14 (new product)
Thermacare $1/1 Cold Wrap 1ct or HeatWrap 2ct+ (6/22/13) RP 3/24/13
Advil $1/1 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 Children's (5/31/13) RP 3/24/13
Advil $1/1 Migraine 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 PM 16ct+ (6/22/13) RP 3/24/13
Excedrin $1.50/1 100ct+ product (4/21/13) SS 3/24/13
Excedrin $1/1 24ct+ product (4/21/13) SS 3/24/13Buy $15 or more participating Secret, Gillette, Vidal Sassoon, Olay, Pantene, Always or Tampax products get 3,000 points (monthly deal)
Always Infinity regular w/wings (18 ct) - $4.99 and BOGO 50% on 4/14
Secret Outlast w/Olay or Invisible Solid (2.6 oz) - $3.99
Tampax Pearl regular unscented (18 ct) - $5.49 and BOGO 50% on 4/14
Tampax Compak Pearl regular (20 ct) - $5.79 and BOGO 50% on 4/14
Always $1/1 pads or feminine cleansing cloth ets (4/30/13)
Always $2.50/2 Infinity or Radiant Infinity pads 12ct+ ets (4/30/13)
Tampax $.50/1 18ct+ ets (4/30/13)
Tampax $2.50/2 Pearl or Radiant including Compak and Active 16ct+ or Pearl Liners ets (4/30/13)
Secret $2/1 Clinical, Scent Expressions or Outlast twin pack excludes .5oz ets (4/30/13)Aleve arthritis tabs (200 ct) - $14.99 get 1,000 pointsAllegra 24 HR tabs (30 w/7 free) - $17.99 Buy 2 get 5,000 points (monthly deal)
$7 mq in Sunday 4/14 paperAllegra 12 HR Child suspension (4 oz) - $9.99 Buy 2 get 3,000 points (monthly deal)
$2 mq in Sunday paperAlmay cosmetics Buy $15 participating get 4,000 points (monthly deal)
Make Up remover towelettes (25 ct) - $5.49 and BOGO 50% on 4/14
Eye makeup remover pads (80 ct) or liquid (4 oz) - $5.99 and BOGO 50% on 4/14
Propel/Repel pencil - $7.49 and BOGO 50% on 4/14
Intense I-color trio - $7.49 and BOGO 50%
Liquid eye liner (.1 oz) - $7.99 and BOGO 50% on 4/14Ban deodorant - $1.99 on 4/14 Buy 3 get 1,000 points (monthly deal)Bayer aspirin Buy 1 get 1,000 points
81 mg (200 ct) - $7.99 ($3 off)
Advanced aspirin E/S tabs (80 ct) - $8.49 ($3 off)
325 mg (200 ct) - $8.99 ($3 off)
81 mg (300 ct) - $12.99 ($3 off)Biore, John Freida hair care or hair colour, Jergens or Curel products Buy 2 get 3,000 points (monthly deal)
Biore Deep cleansing pore nose strips (8 ct) or combo (14 ct) - $5.99 on 4/14
Biore 4in1 cleanser (6.7 oz) - $5.99 on 4/14
Curel lotion original or Ultra Healing (13 oz) - $5.99 on 4/14
Jergens cream Coconut Milk (8 oz) - $5.99 on 4/14Boost products Buy $20 get 2,000 points items BOGO 50%Cerave products Buy 2 get 1,000 points items BOGO 50%Claritin Buy 2 get 5,000 points (monthly deal)
Claritin Pediatric Reditabs (10 ct) - $9.99 on 4/14
$2 mq in Sunday 4/14 paper
Claritin 10 mg (30 w/10 free) or 10 mg Liquigel (24 w/6 free) - $18.99 on 4/14
$7 mq in Sunday 4/14 paperClear Scalp+hair oil (3.3 oz) - $4.99 get 1,000 pointsClorox liquid bleach (30 oz) - $1.69 get 250 pointsClorox, Formula 409 or Pine-Sol 2/$6 Buy 2 get 1,000 points
Clorox Clean Up w/bleach (32 oz)
Clorox Bath cleaner (30 oz)
Formula 409 cleaner (32 oz)
Pine-Sol All Purpose cleaner (40 oz) Colgate products- $3.49 Buy 2 get 2,000 points
Total Advance Sensitive (5.8 oz)
Sensitive Pro 360 toothbrush
Optic White or 360 Optic White toothbrushCover Girl Buy 2 participating nail and eye cosmetics get 1,500 or Buy 3 get 3,000 points (monthly deal)
Eye Enhance shadow (.19 oz) - $5.99 and BOGO 50% on 4/14
Nail Outlast (.37 oz) - $5.99 and BOGO 50% on 4/14
Perf. PT pencil - $6.49 and BOGO 50% on 4/14
Clean Oil control LMU (1 oz) - $7.99 and BOGO 50% on 4/14
Clump Crusher mascara - $8.99 and BOGO 50% on 4/14
$3/2 mq off any GC in Sunday paperCover Girl and Olay Simply Ageless cosmetics $9.99 - $15.99 - Buy 1 get 2,000 or Buy 2 get 6,000 points items BOGO 50% on 4/14 (monthly deal)
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Crest or Oral-B products Buy $10 get 3,000 points (monthly deal)
Crest 3D White Adv Vivid Enamel (4.1 oz) - $3.99 on 4/14
Crest 3D White Artic Fresh or Vivid Radiant (5.8 oz) - $3.99 on 4/14
Crest 3D White Arctic Fresh rinse (473 ML) - $3.99 on 4/14
Oral-B 3D White Pro Flex toothbrush - $3.99 on 4/14
Oral-B Advantage 3D White Vivid toothbrush - $3.99
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)
Oral-B $1/1 Glide floss 35m+ or Glide floss picks 30ct+ ets (4/30/13)
Oral-B $1/1 Pulsar, 3D White, Pro-Health or Complete toothbrush or 2 Indicator or Cavity Defense toothbrushes ets (4/30/13)
Oral-B $3/1 adult battery toothbrush or #D White action rechargeable toothbrush ets (4/30/13)Dentyne Pure Mint (9 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Finest Nutrition products Buy 2 get 2,000 points
Papaya & Enzyme tabs (100 ct) or Iron 28 mg (100 ct) 2/$6.99ICaps products Buy 2 get 1,000 points items BOGO 50%Johnson & Johnson first aid kit, adhesive pads, Band-Aid, Benadryl, Neosporin or Neutrogena Sun Care products buy 2 get 3,000 points (excludes trail sizes and twin packs) (monthly deal)
Band-Aid (10 80) select - $2.99 on 4/7
Benadryl cream (1 oz) - $3.99 on 4/7
Neutrogena Sun Care products items BOGO 50% on 3/31, $3 off on 4/7 & $8.99 on 4/14
Neosporin ointment or cream (.5 oz) or To Go Spray (.26 oz) - $3.99 on 4/7
Neutrogena $1/1 hair, hand, body or men's product (4/27/13) SS 2/24/13
Neutrogena $5/2 hair, hand, body or men's products (4/27/13) SS 2/24/13Kiss or Broadway products Buy 2 participating get 1,000 points
Kiss nail glue - $2.59 and BOGO 50%
Nail artist stickers - $2.99 and BOGO 50%
Kiss 24HR eyelash adhesive - $3.99 and BOGO 50%
Premium lashes - $4.29 and BOGO 50%
Kiss variety pack art kit - $4.99 and BOGO 50%
Kiss nail art kit (3.7 oz) - $6.99 and BOGO 50%
Kiss Pro Lash starter kit - $5.99 and BOGO 50%
Kiss Pro lash - $6.99 and BOGO 50%
Kiss acrylic fill kit - $7.49 and BOGO 50%
Kiss Let Go & Glow top coat trio - $7.79 and BOGO 50%Kraft Mac & Cheese - $.79 Buy 2 get 500 pointsLOreal cosmetics, skin care or Sublime products Buy $30 get 3,000 points 4/20 SaturDate (monthly deal)
W/I S/S eye shadow - $5.49 and BOGO 50% on 4/14 4/20 SaturDate
Color Riche or Trend Setter nail (.39 oz) - $5.99 and BOGO 50% on 4/14 4/20 SaturDate
360 Deep Cleanser (6 oz) - $6.29 and BOGO 50% on 4/14 4/20 SaturDate
HydraFresh toner (8.5 oz) or Advance Revit cleansing towelette (30 ct) - $7.29 and BOGO 50% on 4/14 4/20 SaturDate
Eye makeup remover (4 oz) - $7.49 and BOGO 50% on 4/14 4/20 SaturDate
Volume mascara (.23 oz0 - $7.99 and BOGO 50% on 4/14 4/20 SaturDate
Shocking mascara (.29 oz) - $9.99 and BOGO 50% on 4/14 4/20 SaturDate
$2 face product mq
Sublime items - $11.79 and BOGO 50% on 4/14 4/20 SaturDate
Age Perfect BB cream SPF20 (2.5 oz) - $16.99 and BOGO 50% on 4/14
Revitalift X3 serum (1 oz) - $24.99 and BOGO 50% on 4/14
Youth Code items - $24.99 and BOGO 50% on 4/14 4/20 SaturDate
L'Oreal $1/1 Paris eye product (5/18/13) RP 3/24/13
L'Oreal $1/1 Paris skincare products (5/11/13) RP 3/17/13
L'Oreal $2/1 Paris cosmetic face product excludes Magic Perfecting Base .17floz mini size (4/27/13) RP 3/3/13
L'Oreal $3/1 Paris Youth Code Serum Intense, Day/Night Cream and SPF 30 Day Lotion (5/11/13) RP 3/17/13
L'Oreal $3/1 Telescopic Shocking Extensions Mascara (5/18/13) RP 3/24/13
L'Oreal $3/2 Paris skincare products (5/11/13) RP 3/17/13Mucinex, Delsym or Cepacol products Buy 2 get 3,000 points (monthly deal)
Mucinex 600 MG ER tabs (20 ct) or Max Strength tabs (14 ct) - $10.99 on 4/14Natures Bounty twin pack products Buy 2 get 5,000 pointsNature Made products Buy 2 get 2,000 points items BOGO 50%Nice peanut butter - $2.29 or honey - - Buy 2 get 250 pointsNivea Buy $10 participating products get 2,000 or Buy $20 get 5,000 points (monthly deal)
Skin Firm w/Q10 lotion (13.5 oz) - $11.49 and BOGO 50% on 4/14
Good Bye Cellulite gel (6.7 oz) - $13.99 and BOGO 50% on 4/14
Body G/B cell 10day serum (2.5 oz) - $15.49 and BOGO 50% on 4/14Nexxus products - $10.99 - $16.99 Buy 2 get 2,000 points and BOGO 50%Nice cheese products Buy 2 get 250 points
American singles (12 oz) 2/$4Oscar Mayer bacon 2/$7 Buy 2 get 500 pointsOne A Day products $6.99 - Buy 2 get 1,000 points
VitaCrave Gummies (50 ct)
Mens Pro Edge (50 ct)
Womens or Mens formula (100 ct)
Teen Adv. Tabs (80 ct)Osteo Bi-Flex Buy $30 get 5,000 points items BOGO 50%
Osteo Bi-Flex $3/1 30-60ct (4/17/13) RP 3/3/13
Osteo Bi-Flex $5/1 70ct+ (4/17/13) RP 3/3/13Pantene Expert Series hair care products Buy 2 get 1,000 points
Pantene $3/2 products ets (4/30/13)Pedigree or Cesar pet products Buy $20 get 4,000 points (monthly deal)
Pedigree dog food (13.5 oz) - $10 on 4/14
Pedigree dry dog food 3.5 pounds+ $1 (04/27/13) RP 3/3/13Trident gum (18 ct) or Layers (14 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Wal-itin or Wal-Zyr Buy 2 get 5,000 points (monthly deal)
Wal-Zyr 24 HR (60 ct) - $20.99 and BOGO 50%Walgreens Lansoprazole 15 mg (42 ct) caps - $18.99 get 3,000 points
Walgreens Omeprazole 20mg (42 ct) - $18.99 get 3,000 points
Walgreens Probiotic 4X (42 ct) caps - $18.99 get 3,000 points
Walgreens Smooth laxative 50 day (29.9 oz) - $18.99 get 3,000 pointsOther sale items:Aquafresh Extreme Clean Whitening (5.6 oz) - $2.99
$1 mq in Sunday 4/7 paper
$1 IVC in April bookArrid or Arm & Hammer A/P - $.99Arm & Hammer liquid 2X (50 oz) 2/$6
$1/2 mq in Sunday 4/14 paperAxe deodorant or body spray or Old Spice deodorant (2.6 or 4 oz) - $3.99
Axe $1/1 4oz bodyspray, 2.7oz antiperspirant and deodorant or 3oz deodorant ets (4/21/13) RP 3/24/13BIC razors BOGO 50%
Comfort Twin 2/$3
Twin Select (10 ct) - $3.99
Comfort3 Men (4 ct) - $4.49
Classic shaver (12 ct) - $4.59
Soleil (4 ct) - $6.49
Soleil Bella 4 blade (3 ct) - $7.49
Hybrid shaver system, Flex3 or Flex4 - $7.49
Soleil shaver & trimer (4 ct) - $7.99
$3 mq in Sunday 4/14 paperBubble toys BOGO 50%Centrum & Caltrate - $4 offCoke (12 pk) or Dasani (24 pk) 3/$10Comet cleanser (14 oz) - $.59Conair bobby pins BOGO at $1.59- more expensive hair accessories includedCoppertone or Bain/Sol - $7.99Cover Girl full line BOGO 50%
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Dawn (9 oz) - $.99
Dawn $.25/1 ets (4/30/13)
Dawn $.50/1 Hand Renewal, Power Clean, Bleach Alternative or Oxi ets (4/30/13)Dentyne (16 ct) - $.99Dove body wash or soap BOGO 50%
Dove $1/1 12oz+ body wash excluding Men+Care and trial (4/21/13) RP 3/24/13Glade aerosol (8 oz), Dcr refill (.28 oz)? or solid (6 oz) 3/$3Hefty Cinchsak - $5.99
$1/2 mq in Sunday 4/14 paperICaps Buy 2 get 1,000 points items BOGO 50%Jimmy Dean (2 ct) biscuit or Breakfast Bowl - $1.99Kelloggs cereal or Eggo waffles - $1.99Kleenex tissue (70,100) - $.99Maxwell House instant coffee or decaf (8 oz) - $3.99
3/17 SS $1 one Maxwell House product (4/13/13)Maybelline BOGO 50%Nestle Nips - $.89Nice thin mints (5 oz) or peanut brittle - $.89Nice wax paper, facial tissue, aluminum foil - $.99Nice designer paper plates 2/$3Nice (8 oz) nuts or (12 oz) trail mix - $1.99Nivea lip Kiss (.17 oz) - $1.99
$1 mq in Sunday 4/14 paperNivea body wash (16.9 oz) 2/$7
$3/2 mq in Sunday 4/14 paperOlay skin care 20% offPepsi, Mountain Dew, Sierra Mist (12 pk) 3/$10RC Ten, 7-Up Ten, A&W Ten, Sunkist Ten, Dr. Pepper Ten or Canada Dry Ten (12 oz) 12 pk - $2.99
$1 IVC in April bookRevlon BOGO 50% off all face and eye products
$2 mq in Sunday 4/14 paperRussell Stover BOGO
Sugar Free items (3 oz) 2/$2.19
Chocolate assorted (12 oz) 2/$8.99SoftSoap pump (7.5 oz) BOGO at $2.59 or refill (56 oz) BOGO at $7.99SoftSoap or Irish Spring body wash or Irish Spring (6 bar) soap - $2.99
$1 mq in Sunday 4/14 paper for both productsW Premium diapers 2/$13.48W baby wipes (64 ct) 2/$3.43Walgreens 325 mg tabs (100 ct) - $1.29 and BOGO 50% - various aspirin included in BOGO 50%Walgreens antacid or X/S antacid (96 150 ct) BOGO at $3.99Vicks Dayquil or Nyquil (12 oz) or (24 ct) - $6.99Fillers:Arizona tea 2/$1Hersheys bars - $.59Super Bubbles (8 oz) - $.79 and BOGO 50%
--------------------------------------------------------------------------------
thnx reg036 & pwcpal; sd
Environment Getting Tough For Investors: My Breakdown
Added on : Wednesday April 10th 2013 07:01:17 PM
In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest for the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from the valuation of the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute, central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself out and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
cost-less-half-put-inmates-carnival-cruise-ships
Added on : Wednesday April 10th 2013 06:02:08 PM
http://www.zerohedge.com/news/2013-04-10/it-would-cost-less-half...
My Breakdown of the Current Economic Environment
Added on : Wednesday April 10th 2013 06:01:16 PM
In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest in the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from your confidence in the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
http://images.iheartwags.com/ad_scans/2013/0414/wags041413.pdfad scan thx to ihwags/erica 
FARR:AllergEase Natural Herbal supplement (21 ct) WIC 268475 - $4 get $4 RRMorton Plain Epsom salt (4 lb) WIC 232905 - $4 get $4 RR (new product)3M Nexcare Blister Waterproof bandages (6 ct) WIC 155110 - $3.50 get $3.50 RR (new product)RC Ten, Dr. Pepper Ten, 7-Up Ten, Sunkist Ten, A&W Ten or Canada Dry Ten (2 L) - $1 get $1 RRchoice of one per order, can not roll RR on another soda listed)
Crest Pro-Health Rinse 500 ml $2.99 = $2 RR
Use the $1.50/1 Crest Rinse 458 mL+ coupon found in the 3/31 PG (Expires 4/30)
Or the $1/1 Crest Rinse coupon found here http://www.pgeveryday.com/
Pay as low as $1.49
Get back $2 RR
Final cost FREE + $0.51 money maker! 
thx collin/h2s Other RR items:Crest Pro-Health or Oral-B - $2.99 get $2 RR
Crest PH Clean Mint (6 oz) toothpaste
Crest PH Clinical Mint (6 oz)
Crest PH For Life Smooth Mint (6 oz)
Crest Mouthwash (500 ML)
Oral-B Cross Action PH toothbrush
Oral-B Cross-Action regular toothbrush
Oral-B Cross Action PH For Life toothbrush
Total Protection Enamel (6 oz) & PH For Kids rinse (16.9 oz) listed at $2.99 w/o RR
Crest $1.50/1 458mL+ Rinse ets (4/30/13)
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)Listerine Cool Mint or Ultra Clean Cool Mint mouthwash (500 ML) - $3.99 get $2 RR
Total Care, Ultra Clean Artic, Fresh Burst, Zero, Gold all listed at $3.99U By Kotex Super Plus (18 ct) tampons - $3.99 get $2 RR
Super and regular listed at $3.99 likely included
Kotex $.50/1 U product excludes 14-22ct liners (5/4/13) SS 3/24/13
Loyalty Point offers:Buy $30 or more participating Walgreens Nasal strips, Saline Packets, Kettle Neti Pot kit, Wal-Fex, Sudafed, Wal-Zyr, Benadryl, Zyrtec, Tylenol or Visine get 5,000 points (monthly deal)
Zyrtec 24 HR (30 ct w/10 free) or (25 ct) Liquid Gels - $18.99 on 4/14Buy $20 or more participating Advil, Excedrin or Thermacare products get 5,000 points (monthly deal)
Advil Infant drops (.5 oz) or JR Strength (24 ct) - $5.99 and BOGO 50% on 4/14
Advil liquid Children (4 oz) - $6.99 and BOGO 50% on 4/14
Advil PM (40 ct) caps - $8.99 and BOGO 50% on 4/14
Advil (100 ct) tabs - $9.99 BOGO 50% on 4/14
Advil Liqui-Gel (80 ct) or Migraine (80 ct) - $10.99 and BOGO 50% on 4/14
Excedrin Xtra Strength (100 ct) caps - $8.99 on 4/14
$1.50 mq in Sunday 4/14 paper
Thermacare (2 ct) - $6.99 and BOGO 50% on 4/14
Thermacare Cold Joint or Muscle wrap - $8.99 and BOGO 50% on 4/14 (new product)
Thermacare $1/1 Cold Wrap 1ct or HeatWrap 2ct+ (6/22/13) RP 3/24/13
Advil $1/1 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 Children's (5/31/13) RP 3/24/13
Advil $1/1 Migraine 20ct+ (6/22/13) RP 3/24/13
Advil $1/1 PM 16ct+ (6/22/13) RP 3/24/13
Excedrin $1.50/1 100ct+ product (4/21/13) SS 3/24/13
Excedrin $1/1 24ct+ product (4/21/13) SS 3/24/13Buy $15 or more participating Secret, Gillette, Vidal Sassoon, Olay, Pantene, Always or Tampax products get 3,000 points (monthly deal)
Always Infinity regular w/wings (18 ct) - $4.99 and BOGO 50% on 4/14
Secret Outlast w/Olay or Invisible Solid (2.6 oz) - $3.99
Tampax Pearl regular unscented (18 ct) - $5.49 and BOGO 50% on 4/14
Tampax Compak Pearl regular (20 ct) - $5.79 and BOGO 50% on 4/14
Always $1/1 pads or feminine cleansing cloth ets (4/30/13)
Always $2.50/2 Infinity or Radiant Infinity pads 12ct+ ets (4/30/13)
Tampax $.50/1 18ct+ ets (4/30/13)
Tampax $2.50/2 Pearl or Radiant including Compak and Active 16ct+ or Pearl Liners ets (4/30/13)
Secret $2/1 Clinical, Scent Expressions or Outlast twin pack excludes .5oz ets (4/30/13)Aleve arthritis tabs (200 ct) - $14.99 get 1,000 pointsAllegra 24 HR tabs (30 w/7 free) - $17.99 Buy 2 get 5,000 points (monthly deal)
$7 mq in Sunday 4/14 paperAllegra 12 HR Child suspension (4 oz) - $9.99 Buy 2 get 3,000 points (monthly deal)
$2 mq in Sunday paperAlmay cosmetics Buy $15 participating get 4,000 points (monthly deal)
Make Up remover towelettes (25 ct) - $5.49 and BOGO 50% on 4/14
Eye makeup remover pads (80 ct) or liquid (4 oz) - $5.99 and BOGO 50% on 4/14
Propel/Repel pencil - $7.49 and BOGO 50% on 4/14
Intense I-color trio - $7.49 and BOGO 50%
Liquid eye liner (.1 oz) - $7.99 and BOGO 50% on 4/14Ban deodorant - $1.99 on 4/14 Buy 3 get 1,000 points (monthly deal)Bayer aspirin Buy 1 get 1,000 points
81 mg (200 ct) - $7.99 ($3 off)
Advanced aspirin E/S tabs (80 ct) - $8.49 ($3 off)
325 mg (200 ct) - $8.99 ($3 off)
81 mg (300 ct) - $12.99 ($3 off)Biore, John Freida hair care or hair colour, Jergens or Curel products Buy 2 get 3,000 points (monthly deal)
Biore Deep cleansing pore nose strips (8 ct) or combo (14 ct) - $5.99 on 4/14
Biore 4in1 cleanser (6.7 oz) - $5.99 on 4/14
Curel lotion original or Ultra Healing (13 oz) - $5.99 on 4/14
Jergens cream Coconut Milk (8 oz) - $5.99 on 4/14Boost products Buy $20 get 2,000 points items BOGO 50%Cerave products Buy 2 get 1,000 points items BOGO 50%Claritin Buy 2 get 5,000 points (monthly deal)
Claritin Pediatric Reditabs (10 ct) - $9.99 on 4/14
$2 mq in Sunday 4/14 paper
Claritin 10 mg (30 w/10 free) or 10 mg Liquigel (24 w/6 free) - $18.99 on 4/14
$7 mq in Sunday 4/14 paperClear Scalp+hair oil (3.3 oz) - $4.99 get 1,000 pointsClorox liquid bleach (30 oz) - $1.69 get 250 pointsClorox, Formula 409 or Pine-Sol 2/$6 Buy 2 get 1,000 points
Clorox Clean Up w/bleach (32 oz)
Clorox Bath cleaner (30 oz)
Formula 409 cleaner (32 oz)
Pine-Sol All Purpose cleaner (40 oz) Colgate products- $3.49 Buy 2 get 2,000 points
Total Advance Sensitive (5.8 oz)
Sensitive Pro 360 toothbrush
Optic White or 360 Optic White toothbrushCover Girl Buy 2 participating nail and eye cosmetics get 1,500 or Buy 3 get 3,000 points (monthly deal)
Eye Enhance shadow (.19 oz) - $5.99 and BOGO 50% on 4/14
Nail Outlast (.37 oz) - $5.99 and BOGO 50% on 4/14
Perf. PT pencil - $6.49 and BOGO 50% on 4/14
Clean Oil control LMU (1 oz) - $7.99 and BOGO 50% on 4/14
Clump Crusher mascara - $8.99 and BOGO 50% on 4/14
$3/2 mq off any GC in Sunday paperCover Girl and Olay Simply Ageless cosmetics $9.99 - $15.99 - Buy 1 get 2,000 or Buy 2 get 6,000 points items BOGO 50% on 4/14 (monthly deal)
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Crest or Oral-B products Buy $10 get 3,000 points (monthly deal)
Crest 3D White Adv Vivid Enamel (4.1 oz) - $3.99 on 4/14
Crest 3D White Artic Fresh or Vivid Radiant (5.8 oz) - $3.99 on 4/14
Crest 3D White Arctic Fresh rinse (473 ML) - $3.99 on 4/14
Oral-B 3D White Pro Flex toothbrush - $3.99 on 4/14
Oral-B Advantage 3D White Vivid toothbrush - $3.99
Crest $1/1 4oz+ toothpaste excludes Cavity, Baking Soda and Tartar ets (4/30/13)
Oral-B $1/1 Glide floss 35m+ or Glide floss picks 30ct+ ets (4/30/13)
Oral-B $1/1 Pulsar, 3D White, Pro-Health or Complete toothbrush or 2 Indicator or Cavity Defense toothbrushes ets (4/30/13)
Oral-B $3/1 adult battery toothbrush or #D White action rechargeable toothbrush ets (4/30/13)Dentyne Pure Mint (9 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Finest Nutrition products Buy 2 get 2,000 points
Papaya & Enzyme tabs (100 ct) or Iron 28 mg (100 ct) 2/$6.99ICaps products Buy 2 get 1,000 points items BOGO 50%Johnson & Johnson first aid kit, adhesive pads, Band-Aid, Benadryl, Neosporin or Neutrogena Sun Care products buy 2 get 3,000 points (excludes trail sizes and twin packs) (monthly deal)
Band-Aid (10 80) select - $2.99 on 4/7
Benadryl cream (1 oz) - $3.99 on 4/7
Neutrogena Sun Care products items BOGO 50% on 3/31, $3 off on 4/7 & $8.99 on 4/14
Neosporin ointment or cream (.5 oz) or To Go Spray (.26 oz) - $3.99 on 4/7
Neutrogena $1/1 hair, hand, body or men's product (4/27/13) SS 2/24/13
Neutrogena $5/2 hair, hand, body or men's products (4/27/13) SS 2/24/13Kiss or Broadway products Buy 2 participating get 1,000 points
Kiss nail glue - $2.59 and BOGO 50%
Nail artist stickers - $2.99 and BOGO 50%
Kiss 24HR eyelash adhesive - $3.99 and BOGO 50%
Premium lashes - $4.29 and BOGO 50%
Kiss variety pack art kit - $4.99 and BOGO 50%
Kiss nail art kit (3.7 oz) - $6.99 and BOGO 50%
Kiss Pro Lash starter kit - $5.99 and BOGO 50%
Kiss Pro lash - $6.99 and BOGO 50%
Kiss acrylic fill kit - $7.49 and BOGO 50%
Kiss Let Go & Glow top coat trio - $7.79 and BOGO 50%Kraft Mac & Cheese - $.79 Buy 2 get 500 pointsLOreal cosmetics, skin care or Sublime products Buy $30 get 3,000 points 4/20 SaturDate (monthly deal)
W/I S/S eye shadow - $5.49 and BOGO 50% on 4/14 4/20 SaturDate
Color Riche or Trend Setter nail (.39 oz) - $5.99 and BOGO 50% on 4/14 4/20 SaturDate
360 Deep Cleanser (6 oz) - $6.29 and BOGO 50% on 4/14 4/20 SaturDate
HydraFresh toner (8.5 oz) or Advance Revit cleansing towelette (30 ct) - $7.29 and BOGO 50% on 4/14 4/20 SaturDate
Eye makeup remover (4 oz) - $7.49 and BOGO 50% on 4/14 4/20 SaturDate
Volume mascara (.23 oz0 - $7.99 and BOGO 50% on 4/14 4/20 SaturDate
Shocking mascara (.29 oz) - $9.99 and BOGO 50% on 4/14 4/20 SaturDate
$2 face product mq
Sublime items - $11.79 and BOGO 50% on 4/14 4/20 SaturDate
Age Perfect BB cream SPF20 (2.5 oz) - $16.99 and BOGO 50% on 4/14
Revitalift X3 serum (1 oz) - $24.99 and BOGO 50% on 4/14
Youth Code items - $24.99 and BOGO 50% on 4/14 4/20 SaturDate
L'Oreal $1/1 Paris eye product (5/18/13) RP 3/24/13
L'Oreal $1/1 Paris skincare products (5/11/13) RP 3/17/13
L'Oreal $2/1 Paris cosmetic face product excludes Magic Perfecting Base .17floz mini size (4/27/13) RP 3/3/13
L'Oreal $3/1 Paris Youth Code Serum Intense, Day/Night Cream and SPF 30 Day Lotion (5/11/13) RP 3/17/13
L'Oreal $3/1 Telescopic Shocking Extensions Mascara (5/18/13) RP 3/24/13
L'Oreal $3/2 Paris skincare products (5/11/13) RP 3/17/13Mucinex, Delsym or Cepacol products Buy 2 get 3,000 points (monthly deal)
Mucinex 600 MG ER tabs (20 ct) or Max Strength tabs (14 ct) - $10.99 on 4/14Natures Bounty twin pack products Buy 2 get 5,000 pointsNature Made products Buy 2 get 2,000 points items BOGO 50%Nice peanut butter - $2.29 or honey - - Buy 2 get 250 pointsNivea Buy $10 participating products get 2,000 or Buy $20 get 5,000 points (monthly deal)
Skin Firm w/Q10 lotion (13.5 oz) - $11.49 and BOGO 50% on 4/14
Good Bye Cellulite gel (6.7 oz) - $13.99 and BOGO 50% on 4/14
Body G/B cell 10day serum (2.5 oz) - $15.49 and BOGO 50% on 4/14Nexxus products - $10.99 - $16.99 Buy 2 get 2,000 points and BOGO 50%Nice cheese products Buy 2 get 250 points
American singles (12 oz) 2/$4Oscar Mayer bacon 2/$7 Buy 2 get 500 pointsOne A Day products $6.99 - Buy 2 get 1,000 points
VitaCrave Gummies (50 ct)
Mens Pro Edge (50 ct)
Womens or Mens formula (100 ct)
Teen Adv. Tabs (80 ct)Osteo Bi-Flex Buy $30 get 5,000 points items BOGO 50%
Osteo Bi-Flex $3/1 30-60ct (4/17/13) RP 3/3/13
Osteo Bi-Flex $5/1 70ct+ (4/17/13) RP 3/3/13Pantene Expert Series hair care products Buy 2 get 1,000 points
Pantene $3/2 products ets (4/30/13)Pedigree or Cesar pet products Buy $20 get 4,000 points (monthly deal)
Pedigree dog food (13.5 oz) - $10 on 4/14
Pedigree dry dog food 3.5 pounds+ $1 (04/27/13) RP 3/3/13Trident gum (18 ct) or Layers (14 ct) Buy 1 get 100 points - $.99 on 4/14 (monthly deal)Wal-itin or Wal-Zyr Buy 2 get 5,000 points (monthly deal)
Wal-Zyr 24 HR (60 ct) - $20.99 and BOGO 50%Walgreens Lansoprazole 15 mg (42 ct) caps - $18.99 get 3,000 points
Walgreens Omeprazole 20mg (42 ct) - $18.99 get 3,000 points
Walgreens Probiotic 4X (42 ct) caps - $18.99 get 3,000 points
Walgreens Smooth laxative 50 day (29.9 oz) - $18.99 get 3,000 pointsOther sale items:Aquafresh Extreme Clean Whitening (5.6 oz) - $2.99
$1 mq in Sunday 4/7 paper
$1 IVC in April bookArrid or Arm & Hammer A/P - $.99Arm & Hammer liquid 2X (50 oz) 2/$6
$1/2 mq in Sunday 4/14 paperAxe deodorant or body spray or Old Spice deodorant (2.6 or 4 oz) - $3.99
Axe $1/1 4oz bodyspray, 2.7oz antiperspirant and deodorant or 3oz deodorant ets (4/21/13) RP 3/24/13BIC razors BOGO 50%
Comfort Twin 2/$3
Twin Select (10 ct) - $3.99
Comfort3 Men (4 ct) - $4.49
Classic shaver (12 ct) - $4.59
Soleil (4 ct) - $6.49
Soleil Bella 4 blade (3 ct) - $7.49
Hybrid shaver system, Flex3 or Flex4 - $7.49
Soleil shaver & trimer (4 ct) - $7.99
$3 mq in Sunday 4/14 paperBubble toys BOGO 50%Centrum & Caltrate - $4 offCoke (12 pk) or Dasani (24 pk) 3/$10Comet cleanser (14 oz) - $.59Conair bobby pins BOGO at $1.59- more expensive hair accessories includedCoppertone or Bain/Sol - $7.99Cover Girl full line BOGO 50%
$3/2 mq in Sunday 4/14 paper
Covergirl $1/1 product excludes accessories ets (4/30/13)
Covergirl $3/2 products excludes accessories ets (4/30/13)Dawn (9 oz) - $.99
Dawn $.25/1 ets (4/30/13)
Dawn $.50/1 Hand Renewal, Power Clean, Bleach Alternative or Oxi ets (4/30/13)Dentyne (16 ct) - $.99Dove body wash or soap BOGO 50%
Dove $1/1 12oz+ body wash excluding Men+Care and trial (4/21/13) RP 3/24/13Glade aerosol (8 oz), Dcr refill (.28 oz)? or solid (6 oz) 3/$3Hefty Cinchsak - $5.99
$1/2 mq in Sunday 4/14 paperICaps Buy 2 get 1,000 points items BOGO 50%Jimmy Dean (2 ct) biscuit or Breakfast Bowl - $1.99Kelloggs cereal or Eggo waffles - $1.99Kleenex tissue (70,100) - $.99Maxwell House instant coffee or decaf (8 oz) - $3.99
3/17 SS $1 one Maxwell House product (4/13/13)Maybelline BOGO 50%Nestle Nips - $.89Nice thin mints (5 oz) or peanut brittle - $.89Nice wax paper, facial tissue, aluminum foil - $.99Nice designer paper plates 2/$3Nice (8 oz) nuts or (12 oz) trail mix - $1.99Nivea lip Kiss (.17 oz) - $1.99
$1 mq in Sunday 4/14 paperNivea body wash (16.9 oz) 2/$7
$3/2 mq in Sunday 4/14 paperOlay skin care 20% offPepsi, Mountain Dew, Sierra Mist (12 pk) 3/$10RC Ten, 7-Up Ten, A&W Ten, Sunkist Ten, Dr. Pepper Ten or Canada Dry Ten (12 oz) 12 pk - $2.99
$1 IVC in April bookRevlon BOGO 50% off all face and eye products
$2 mq in Sunday 4/14 paperRussell Stover BOGO
Sugar Free items (3 oz) 2/$2.19
Chocolate assorted (12 oz) 2/$8.99SoftSoap pump (7.5 oz) BOGO at $2.59 or refill (56 oz) BOGO at $7.99SoftSoap or Irish Spring body wash or Irish Spring (6 bar) soap - $2.99
$1 mq in Sunday 4/14 paper for both productsW Premium diapers 2/$13.48W baby wipes (64 ct) 2/$3.43Walgreens 325 mg tabs (100 ct) - $1.29 and BOGO 50% - various aspirin included in BOGO 50%Walgreens antacid or X/S antacid (96 150 ct) BOGO at $3.99Vicks Dayquil or Nyquil (12 oz) or (24 ct) - $6.99Fillers:Arizona tea 2/$1Hersheys bars - $.59Super Bubbles (8 oz) - $.79 and BOGO 50%
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thnx reg036 & pwcpal; sd
4/14 Smart Source and Red Plum Previews
Added on : Monday April 08th 2013 08:01:58 AM
Smart Source 4/14
Alberto V05 $1/1 Salon Series shampoo or conditioner 14.2oz (5/31/13)
Alberto V05 $1/1 Salon Series styling, treatment or hot oil product (5/31/31)
Alberto V05 $1/4 shampoo or conditioner 15oz+ (5/31/13)
Arm & Hammer $.75/2 liquid or powder detergent or fabric softener sheets (6/30/13)
Arm & Hammer $1/1 4X concentrated detergent 45oz+ (6/30/13)
Arm & Hammer $1/1 Power Paks single-use detergent (6/30/13)
Baileys $1/2 non-alcoholic coffee creamers dnd (5/31/13)
ban $.40/1 product 1.5oz+ (5/26/13)
ban $.75/1 solid (5/26/13)
BIC $3/1 Flex4, Flex3, Comfort 3 Advance, Hybrid Advance 3 or Hybrid Advance 4 (5/12/13)
BIC $3/1 Soleil disposable razor ets (5/12/13)
Birds Eye $.50/1 Steamfresh Chef's Favorites variety (5/31/13)
Campbell's $1/1 skillet sauces (6/30/13)
Clairol $2/1 Natural Instincts hair color ets (5/31/13)
Clairol $5/2 Nice 'n Easy boxes ets (5/31/13)
Claritin $2/1 10ct+ (5/12/13)
Claritin $5/1 24ct+ (5/12/13)
Claritin $7/1 24ct+ (4/21/13)
Colgate $1/1 Optic White, Total Advanced or Sensitive Pro-Relief 4oz+ (5/4/13)
El Monterey $1/1 product minimum $2.99 purchase (5/15/13)
Excedrin $1.50/1 product 100ct+ (6/2/13)
Excedrin $1/1 product 24ct+ (6/2/13)
Gas-X $1.50/1 product 48ct+ (7/6/13)
Gas-X $1/1 product (7/6/13)
GE $1/1 energy smart CLF, LED, reveal, energy-efficient soft white or halogen lighting product (5/25/13)
GenTeal $1.50/1 lubricant, eye drop, gel or ointment (6/30/13)
Gillette/Satin $.55/1 Gillette Series shave gel or Satin Care shave gel ets (5/31/13)
Hartz $1/1 dog treat (5/31/13)
Hartz $2/1 dog pads (5/31/13)
Hartz $3/1 First Defense (5/31/13)
Hawaiian Punch $1/1 Aloha Morning gallon bottle or 6pk 10oz bottles (5/26/13)
Hershey's $1/2 chocolates bags 10oz+ (6/2/13)
IHOP At Home $1.50/1 frozen breakfast item family pack (8/14/13)
IHOP At Home $1/1 frozen breakfast item (8/14/13)
Kauai Coffee $1/1 10oz bag (5/31/13)
Keri $2/1 lotion (6/30/13)
Lysol $.50/2 disinfecting or Power & Free wipes (5/14/13)
Lysol $.50/2 toilet bowl cleaners (5/14/13)
Lysol $.75/1 Touch of Foam antibacterial hand wash (6/4/13)
Lysol $2/1 No-Touch hand wash soap system starter kit (5/14/13)
Lysol Buy disinfectant spray 12.5oz+ get wipes free up to $3 (5/14/13)
OPTI-FREE $1.50/1 product 10oz+ (5/19/13)
OxiClean $.50/1 pre-treater (6/30/13)
OxiClean $.75/1 dishwashing booster (6/30/13)
OxiClean $1/1 liquid or power paks (6/30/13)
OxiClean $1/1 versatile stain remover 3lb+ (6/30/13)
Phillips $10/1 1-handle Sonicare AirFloss model HX8111 (5/31/13)
PUR $.50/1 faucet mount refill or pitcher refill any size (7/31/31)
PUR $5/1 faucet mount, pitcher or dispenser (7/31/13)
Purina $1/1 ONE dry cat food (7/14/13)
Purina $1/3 ONE wet cat food cans (7/14/13)
Rachael Ray $4/1 Nutrish Zero Grain Super Premium Food for Dogs (7/14/13)
Scott Naturals $.50/1 flushable cleansing cloths tub or refill (5/26/13)
Scott Naturals $.75/1 bath tissue package 4 rolls+ (5/26/13)
Scott Naturals $.75/1 paper towels 6 rolls+ (5/26/13)
Sea Breeze $1/1 skin care product (6/30/13)
Smart Balance $1/2 buttery spreads (5/29/13)
Tena $1/1 product (7/31/13)
Triscuit $1/2 brown rice and wheat crackers 9os dnd (5/24/13)
Trojan $2/1 Lubricants product (6/16/13)
Zadiator $2.50/1 eye drops 5mL+ (6/30/13)
Zest $.50/1 3bar+ (5/22/13)
Zest $1/1 body wash (5/22/13)4/14 Red Plum
Adams $5/2 Spot On product (5/31/13)
Allegra $10/1 Allergy 70ct excludes D (4/21/13)
Allegra $2/1 Children's Allergy (5/4/13)
Allegra $3/1 Allergy 24HR 5/15ct, Allergy 12HR 12ct or any D excludes 2ct trial (5/4/13)
Allegra $7/1 Allergy 30ct or 45ct excludes D (4/21/13)
Aqaufresh $.75/1 Kids or Infant toothpaste (6/14/13)
Aquafresh $1/1 Extreme Clean 5.6oz+ (6/14/13)
Arrowhead $1.50/1 100% Mountain Spring Water 700mL multipack (5/26/13)
Centrum $3/1 Centrum, Silver Multivitamin or Specialist Multivitamin 80ct+ (5/12/13)
Centrum $3/1 Flavor Burst chews (5/12/13)
Cheer $1/1 detergent ets (5/31/13)
Downy/Gain $2/1 Unstopables or Fireworks ets (5/31/13)
Gain/Era $.40/1 Gain detergent or fabric enhance or Era detergent ets (5/31/13)
Gain/Era $1/2 Gain detergent or fabric enhance or Era detergent ets (5/31/13)
Gillette $2/1 disposable ets (5/31/13)
Kerasal Nail $3/1 Fungal Nail Renewal Treatment 10ml tube (5/31/13)
L'Oreal $1/1 EverCurl, EverCreme, EverSleek, EverPure or EverStrong shampoo or conditioner (6/8/13)
L'Oreal $1/1 EverCurl, EverCreme, EverSleek, EverPure or EverStrong treatment (6/8/13)
L'Oreal $1/1 EverStyle product (6/8/13)
L'Oreal $1/1 Paris skincare product ets (6/8/13)
L'Oreal $2/1 Paris cosmetic face product excludes Magic Perfecting Base .17oz (6/8/13)
L'Oreal $2/1 Preference shade (6/8/13)
L'Oreal $2/1 Revitalift product ets (6/8/13)
L'Oreal $3/1 11oz standard size Elnett hairspray excludes 2.2oz trial size (6/8/13)
Maybelline New York $1/1 lip product (6/8/13)
Morton $1/2 40, 50 or 80lb System Saver 2 pellets bags or 3 25lb System Saver 2 pellets bags or 2 40 or 80lb Rust Remover pellets bags (9/30/13)
Newman's Own $.50/1 pasta sauce (5/25/13)
Newman's Own $.50/1 salad dressing (5/25/13)
Newman's Own $.50/1 salsa (5/25/13)
Newman's Own $1/1 Complete Skillet Meal (5/25/13)
Newman's Own $1/1 Thin & Crispy pizza (5/25/13)
Newman's Own $1/1 wine (5/31/13)
Nivea $1/1 lip care product .17oz stick-.3oz tube or .59oz tin (4/28/13)
Nivea $2/1 for Men face care product or 2 shave gels or foams .3oz08.7oz (4/28/13)
Nivea $3/2 body washes, shower gels or lathering body scrubs 12-16.9oz (4/28/13)
Nivea $3/2 for Men body washes 16.9oz (4/28/13)
Nutella $1/1 jar 13oz+ (7/31/13) Nutro $2/1 Natural Choice dry cat food 3lb+ (6/16/13)
Prilosec OTC $2/1 Wildberry product (5/31/13)
Pringles $.50/1 Snack Stacks or Stix 70ct or 8pk ets (5/26/13)
Pringles $1/2 fat free/light cans 150g+ (5/26/13)
Pringles $1/4 full size cans 160g+ (5/26/13)
Superpretzel $.50/1 soft pretzel (5/10/13)
Tide $1/1 washing machine cleaner 3ct+ or to go stain eraser pads 4ct+ TARGET coupon (5/11/31)
Tide/Downy/Bounce $.50/1 laundry care items; Tide detergent, Tide Boost Duo Pacs, Downy softener, Downy Unstopables, Bounce sheets or Bounce dryer bar excludes PODS and trial TARGET coupon (5/11/13)
Tide/Downy/Bounce $1.50/2 laundry care items; Tide detergent, Tide Boost Duo Pacs, Downy softener, Downy Unstopables, Bounce sheets or Bounce dryer bar excludes PODS and trial TARGET coupon (5/11/13)
Tide/Downy/Bounce $3/3 laundry care items; Tide detergent, Tide Boost Duo Pacs, Downy softener, Downy Unstopables, Bounce sheets or Bounce dryer bar excludes PODS and trial TARGET coupon (5/11/13)
Venus/Daisy B1G1 free disposable razor ets up to $11.99 (5/31/13)
Windex $1/1 Touch-Up Cleaner product (5/25/13) thnx dirick/sd
Added to mortgage docs with no consent?
Added on : Wednesday April 03rd 2013 07:03:43 AM
Here is the deal. My wife bought this house before we were married. We wanted to refi to take advantage of the rates. According to the mortgage guy her family uses, there is no real advantage to adding me, so we didn't. I've signed nothing so far and provided zero information. This morning, my wife is supposed to settle. She gets an email this morning from the title company saying I am going to be added and need to be at closing. How is this possible when I haven't even consented to a credit pull? Is there a scam here? Apparently today is the last day for the rate lock, because they screwed something in else up last week. I don't like having this dropped on me at the last second and don't get how it happened.
4/7/13 SmartSource, RedPlum #1, RedPlum #2 - Insert Previews
Added on : Tuesday April 02nd 2013 05:01:31 PM
Thanks to Jasper at Coupon Previews. Please remember that your coupons may differ from those below.SmartSource 4/7/13 Insert PreviewAlouette$1/1 cheese portions dnd (6/1/13)
Barilla $1/1 pasta sauce jar (6/1/13)
Biz $1.25/1 any size (5/19/13)
Blue Diamond $.25/1 4oz+ almonds (5/31/13)
Blue Diamond $1/1 10oz+ thin-shelled almonds (5/31/13)
Brookside $1/2 7oz pouches Manufacturer Coupon Valid Only At CVS (6/15/13)
Claritin $2/1 4oz or 20ct+ children's (5/5/13)
Claritin $3/1 4oz children's syrup (4/14/13)
Claritin $4/1 15ct+ D product (5/5/13)
Claritin $5/1 20ct+ children's chewables (4/14/13)
Clearasil $.50/1 Daily Clear product (5/19/13)
Clearasil $1/1 Ultra product (5/19/13)
Clif $.50/1 Mojo bar (5/31/13)
Coca Cola/Mission Save $1.50 when you buy 2 Coca Cola 2L products and 2 Mission tortillas (5/5/13)
Colgate $.50/1 adult or kids manual toothbrush excluding Triple Action and Extra Clean (4/27/13)
Colgate $.75/1 4oz+ Total Zx ProShield, Total Advanced, Optic White or Sensitive Pro-Relief (4/27/13)
Dr. Scholl's $3/1 For Her insoles (5/18/12)
Dr. Scholl's $3/1 Massaging Gel insoles (5/18/12)
Dr. Scholl's $3/1 Pain Relief Orthotic inserts (5/18/12)
Dr. Scholl's $4/1 Active Series insoles (5/18/13)
Farmer John $.75/1 bacon product (6/7/13)
Farmer John $1/1 hot dogs product (6/7/13)
Farmer John $1/1 sliced lunch meats product (6/7/13)
Farmer John $1/2 breakfast sausage product (6/7/13)
Farmer John $2/1 smoked sausage product (6/7/13)
Glade $1/2 4oz jar candles (6/1/13)
Golden Grain $.55/1 Hidden Veggie package (5/31/13)
Infusium 23 $2/1 8oz+ shampoo, conditioner or leave in treatment excludes 1.7oz or trial (5/7/13)
Mitchum $1/1 men or women product excludes trial and multipacks (5/2/13)
Nexcare $.55/1 bandages (5/31/13)
Nexcare $.55/1 first aid tape (5/31/13)
Palmolive $.50/1 14oz+ dish liquid (4/27/13)
Peet's
Coffee $1.50/1 12oz bag dnd (6/30/13)
Pepperidge Farm $.50/1 3-layer cake (6/16/13)
Pepperidge Farm $1/1 cookie cake (6/16/13)
Pert Plus $1/1 13.5oz+ 2-in-1 product excludes 1.7oz or trial (5/7/13)
Planters $1/1 peanut butter (5/5/13)
Poise $3/1 product ets (5/18/13)
RevitaLens $2/1 10oz+ OcuTec (5/13/13)
Schiff $1/1 vitamin or supplement excludes Move Free and Digestive advantage (7/7/13)
Schiff $3/1 Move Free (7/7/13)
Soft Soap $1/1 12oz+ body wash or bar soap (4/27/13)
Softsoap $.35/1 8oz+ antibacterial or premium liquid handsoap pumps (4/27/13)
Softsoap $.50/1 28oz+ liquid hand soap refills (4/27/13)
Stride $1/2 single packs (5/19/13)
V8 $1/2 64oz Splash (5/12/13)
Zantac $2/1 24ct or 30ct product (5/6/13)
Zantac $5/1 50ct+ product (5/6/13)
Zim's $1/1 Max-Freeze or Maximum Heat (7/7/13)
RedPlum #1 4/7/13 Insert PreviewCrest $10/1 3D White Whitestrips; Intensive Professional Effects, Professional Effects, Advanced Vivid or 2-Hour Express TARGET coupon (5/7/13)
Fiora $.50/1 bath tissue excluding single roll dnd (5/31/13)
Fiora $1/1 12 roll bath tissue or 8 roll paper towel dnd (5/31/13)
Garnier $2/1 skincare product (6/1/13)
Garnier $3/1 Olia Oil Powered Haircolor (6/1/13)
Garnier Fructis $1/1 shampoo, conditioner or treatment ets (5/18/13)
Garnier Fructis $1/1 style product ets (6/1/13)
Garnier Nutrisse $2/1 Nourishing color foam (6/1/13)
Gillette $1/2 deodorants ets (5/31/13)
Gillette $2/1 Mach3 razor ets (5/31/13)
Gillette Buy 1 Series or Fusion Shave Prep, get 1 Fusion Shave Prep free ets up to $4.99 (5/31/13)
Gold Bond Ultimate $1/1 Men's Essentials Cream (6/1/13)
Gold Bond Ultimate $2/1 Men's Essentials Lotion (6/1/13)
MET-Rx $1/6 minis singles or 1 value pack (5/25/13)
MET-Rx $2/2 bars (5/25/13)
Oral-B $10/1 rechargeable electric toothbrush excludes heads TARGET coupon (5/7/13)
Oral-B $5/1 3ct+ replacement brush heads TARGET coupon (5/7/13)
Osteo Bi-Flex $3/1 30-60ct (5/22/13)
Osteo Bi-Flex $5/1 70ct (5/22/13)
Prosacea $1/1 gel (6/30/13)
Purina $1.50/10 single ALPO cans (5/20/13)
Purina $1/1 6oz+ Beggin' package (6/7/13)
Purina $1/1 7.5lb+ Tidy Cats litter TARGET coupon (6/15/13)
Purina $2/1 8ct+ ALPO variety pack (5/20/13)
Purina 2 free 3oz Fancy Feast cans up to $1.48 with purchase of 20lb Tidy Cats Spring Breeze litter TARGET coupon (6/15/13)
Rimmel London $1/1 face product (6/30/13)
Rimmel London $1/1 product (6/30/13)
Sensodyne $.50/1 ProNamel toothbrush (6/2/13)
Sensodyne $1/1 fluoride rinse (6/2/13)
Sensodyne $1/1 ProNamel toothpaste ets (6/2/13)
Surf $1/1 laundry detergent (6/2/13)
Venus $3/1 refillable razor ets (5/31/31)
Venus/Satin Care Buy 1 Venus refill, get Satin Care shave gel free ets up to $4.99 (5/31/13)
VetGuard $2/1 VetGuard Plus for dogs or VetGuard for cats (6/30/13)
Welch's $.75/1 Natural Spread dnd (6/30/13)
White Castle $.50/1 6ct microwaveable hamburgers or cheeseburgers (5/25/13)
White Castle $1/1 16ct microwaveable hamburgers or cheeseburgers (5/25/13)
RedPlum #2 4/7/13 Insert PreviewAdams $2/1 product (7/31/13)
Aveeno $1/1 product excludes cleansing bars, trial and 2.5oz body lotion (6/30/13)
Aveeno $2/2 product excludes cleansing bars, trial and 2.5oz body lotion (6/30/13)
Band-Aid $.75/2 products ets (5/24/13)
Benadryl $1/1 adult or children's product ets (6/30/13)
Benadryl $2/1 topical product ets (5/24/13)
Carefree $1/1 36ct+ (6/30/13)
DermaSilk $5/1 full size product (5/4/13)
Hydroxycut $5/1 (7/7/13)
Johnson & Johnson $1/2 Red Cross products excludes trial and first aid kits (5/24/13)
Listerine $1/1 1L+ Antiseptic, Ultraclean Antiseptic, Total Care, Zero or Fluoride Defense Anticavity (6/30/13)
Lubriderm $2/1 8oz+ product ets (6/30/13)
NeilMed $2/1 NasoGel spray or NasaDrops Saline on the Go (4/30/13)
NeilMed $3/1 Sinus Rinse kit or Sinugator Pulsating Nasal Wash (4/30/13)
Neosporin $1/1 first aid product ets (5/24/13)
Neutorgena $1/1 Naturals cleanser product excludes bar soap and trial size (6/30/13)
Neutorgena $2/1 Naturals moisturizer product excludes bar soap and trial size (6/30/13)
Right Guard $1.50/1 Xtreme antiperspirant, deodorant or body wash (5/5/13)
Right Guard $1.50/2 Total Defense 5 antiperspirant, deodorant, body wash or bar soap (5/5/13)
Sensodyne $.50/1 Precision toothbrush (6/2/13)
Sensodyne $1/1 toothpaste ets (6/2/13)
Stayfree/o.b. $1/1 product (6/30/13)
Sudafed PE $1/1 product ets (6/30/13)
Tic Tac $.75/1 200ct Jumbo Pack or multi-pack (6/30/13)
Visine $2/1 Soothing Wipes product (6/30/13)
Visine $2/1 Visine-A or Visine with Hydroblend moisturizer 1/2floz+ ets (6/30/13)
Wet n Wild $1/1 product (4/20/13)
Zyrtec $4/1 24ct+ regular or D product (4/20/13)
Zyrtec $7/1 24ct+ regular or D product (4/14/13)
Men'sKid's
Finish Line Coupons
28 yrs old, Financial Picture, Help me achieve my goal :)
Added on : Sunday March 31st 2013 03:01:03 AM
Welcome Fellow Fatwalleters,I'm 28, I had a very questionable early 20's where I ran up around ~50k in credit card debt & got a car repo'd due to really bad financial decisions and a girl that broke my heart. I am within 1 year of all of those date of last activity dates to roll around and those bad items to fall off my credit report. Placing me in a better financial situation to purchase my own home for myself & my new family (24 yr old GF & her young girl). We've been in a relationship for 3 years now and she's also relocated to northern CA to be with me (ie: it's serious). My goal is to limit my debt & build enough capital to purchase a home worth 250-300k (ie: something I could see myself in long term with enough space to accommodate a couple children & a guest) while also having enough space in my income to regularly deposit some of my money into some sort of investment (lendingclub, brokerage account, etc.)My current credit (~690-700) is good enough to acquire a FHA Loan but I would rather do it the conventional way to acquire a better interest rate & get rid of those pesky fees involved with putting less than 20% down on a home. Below is my current financial picture.Income: (base salary of $110,000)
2012 ~175k
2013 44,000, so far. I'm a desk jockey in the electric industry that works regular overtime, I averaged about 52 hrs/week last year.
My monthly take home is variable, anywhere from $4600 after my maxed 401k contributions, to $12,000 in very rare circumstances.ACCTs:BoA Savings: ~$27,000
SJPECU: ~$10,000
401k: ~$66,000
Lending Club: $250 (it was easily funded via paypal, seemed like fun.. so I took a teeny tiny bite, what little research I did do seems to lead me to believe that it's worth tossing some extra funds into if only to diversify that much more)Debt:Credit Card Debt: ~$2,000, I normally keep my credit card balances at zero, not sure how this crept up this high, must have a talk with the GF!
Car Loan: ~16,500 %4.00 interest rate, originally 32,500 but paid it down 16,000 in the last year. Next payment due date is April 2014. I shouldn't have bought used by I really love my GF and she came from a poor upbringing and has never had anything really nice that she could call her own. I splurged and I shouldn't have necessarily.Monthly Payments:
Rent: $900 (I currently live with my parents as I'd rather pay rent to someone I know will benefit from it as opposed to a stranger, also the price is pretty good for this area considering it's 2 bedrooms in a 5,000 sq. ft. household, another year here is going to be achy since my GF would like to jump ship and jump right into a house this instant regardless of our financial situation. I'd very much like to wait the extra year for the huge bump in my credit score and be able to put 20% down on a house as mentioned above.)
Cell Phones: $140/month, grandfathered in unlimited data plan w/ AT&T. I know I'm going to get crap for this but I don't want to lose that unlimited data, and we both have AT&T Iphones, and I'm locked into their 2 yr. contract.
Car & Truck Insurance: $240/month I have a lousy driving record, that's why this is so high.
I Own:
A truck I'd like to sell this if possible 19.6k trade in, 23.7k private party (good category via kbb.com) as I only use to to commute to and from work. It's had around 4k in engine repairs done to it recently and runs like a charm now but I'd like to sell it with a clear conscience and I'm unaware of the best way to do this as I've never sold a vehicle before.Feel free to leave your generic comments (ie: trolling etc.) but what I'd really like is just some recommendations as to... *Whether or not to pay off that car loan now or to take a large chunk of my savings and place it into something that would garner me some interest (above 4% to counteract the interest incurred from my car loan) if so how much & where?
*Whether or not keeping that 10k in SJPECU is a good idea or whether it should be moved as well. If so how much and where?
http://sjpecu.org/wp-uploads/2013/03/dividend-rates.pdf <---SJPECU Dividend Rates can be shown here. A detail that should be mentioned is that they cap their deposits per customer to $500/monthly. So if I take this out and put it somewhere else and their dividend rates go higher back to 1983 rates perhaps?.. I would not be able to place the 10k back.
*Where I can sell my truck easily.
*What type of service I can use to get all those negatives off my credit report once my date of last activity has reached 7 years, possibly talk to someone that has gone through a situation like mine to find out if they have had to continually go back and clean it up every once in awhile to keep the negatives off?I know I'm asking a lot of from this community and I appreciate every comment I garner negative or positive!Thanks!
Amazon Gold Box - Leviton Decora Wall Switch Occupancy Sensor $32.99Product Features
Convenient push-button provides manual on/off light switching at any time
180-degree field of view provides approximately 2,100 square feet of coverage
Segmented Fresnel lens provides optimum sensitivity and performance
Horizontal field of view may be adjusted between 180 degrees and 32 degrees of arc
Ambient light override can be set to prevent activation if sufficient ambient light is availableProduct Description
Amazon.com
The Leviton ODS10-ID Decora wall switch occupancy sensor is the ideal energy-saving choice to provide automatic (auto on/off and manual on/auto off) lighting control in a variety of commercial and residential applications, including offices, conference rooms, multimedia rooms, child-care centers, and more. The ODS10 is the perfect solution for controlling a wide variety of load types. It features a low-profile digital design and vandal-resistant PIR lens. It does not require a neutral connection, and it installs in place of a single-pole wall switch to fit in a standard wall box.ODS10-ID Decora Wall Switch Occupancy Sensor
At a Glance:
Automatic lighting control; 180-degree field of view; 2,100 square feet of coverageUse with incandescent lamps, fluorescent, and low-voltage lighting with electronic or magnetic ballastsConfigurable for optimum sensitivity and performanceLow-profile design eliminates obtrusive scanning device lookFive-year limited warranty
180-degree field of view; provides approximately 2,100 square feet of coverage (shown in white). View larger.
Field of ViewAutomatic Lighting Control for Energy Savings
It's well-known that turning off the lights when leaving the room is one of the simplest ways to cut down on energy usage. Yet it's not always convenient or easy to remember, especially in places where a variety of people are coming and going throughout the day.The ODS10-ID helps eliminate the problem of load type selection by providing automatic control of incandescent lamps, fluorescent, and low-voltage lighting with electronic or magnetic ballasts. It provides an adjustable 180-degree field of view with optional adjustments for sensitivity, ambient light override, and delayed off time. The unit also features a manual override switch that can be used to keep lights off while an area is occupied, which may be desired in conference rooms and other areas during slide or film presentations.For increased energy savings, the ODS10-ID offers a light sensor which provides an ambient light override option that can be set between 2 and 500+ foot-candles at full brightness to prevent the sensor from switching lights on when there's sufficient sunlight, regardless of occupancy.About PIR Technology
The ODS10-ID uses passive infrared (PIR) detection technology via a segmented Fresnel lens to monitor a room for occupancy. This specialized lens divides the field of view into sensor zones. When a person passes into or out of a sensor zone, the sensor detects motion and switches the lights on. The lights will remain on as long as there is an occupant in the room. When the space being monitored by the sensor is unoccupied for the preset time you've chosen, the unit will switch the lights on.Long Life and Automatic or Manual Operation
To ensure longer service life and compatibility with electronic ballasts, the ODS10-ID carefully times its switching-contact opening and closing with the zero crossing point of the AC power curve (Zero Crossing Technology). Additionally, a latching relay provides prevents product failure when used with high inrush loads.For manual control, the ODS10-ID features a convenient push-button switch. If the lights are off, pressing the button will turn lights on and keep them on for as long as the room is occupied. This mode is ideal for areas where manual on switching is required but automatic off switching is desired for energy savings (CEC Title 24 Compliant). Lights can also be turned off manually at any time by pressing the push button.For three-way and four-way control, the ODS10-ID features multi-location capability, where multiple sensors can work with one load. Multiple sensors are wired together with the load to turn the lights on. Both sensors must time out or both manual buttons must be pressed for the lights to turn off.Compliancy and Warranty Information
UL-listed and CSA certified, the Leviton ODS10-ID Decora wall switch occupancy sensor complies with California Title 24 Energy Code and FCC regulations, and is backed by a five year limited warranty.What's in the Box
Leviton ODS10-ID Decora wall switch occupancy sensor and manual. Wall plate not included.
ODS10-ID Decora Wall Switch Occupancy Sensors ODS10-IDI Ivory
ODS10-IDW White
ODS10-IDG Gray
ODS10-IDT Light Almond
http://www.amazon.com/dp/B0007N72P6/ref=xs_gb_A3B462ELLOJT5U?_en...
Amazon Coupons
Men's Point Zero Black V-Neck Solid Tee $2.40
Added on : Thursday March 28th 2013 11:00:08 PM
http://shop.stagestores.com/point-zero-v-neck-solid-tee.htmlUse Code: 25247
Free Google Play songs Bowie, Rolling Stones etc.
Added on : Wednesday March 27th 2013 11:00:58 PM
David Bowie - Changes
https://play.google.com/store/music/album?id=Bglfy7srixberwqbjsu...
(fixed link)David Bowie - Heros
https://play.google.com/store/music/album?id=B7izxil5o4hhgbufofi...Song of the day:
Josh Rouse - The Western Isles
https://play.google.com/store/music/album?id=Boubobv2chthbkrlhaf...A few other free songs (Rolling Stones etc)
https://play.google.com/store/music/collection/series_overview_t...
King Tut (Feat. Reek Da Villian & J Doe) - Busta Rhymes
The Only Place - Best Coast
Ants Marching - Dave Matthews Band
The First Time I Ran Away - M. Ward
Miss You - The Rolling Stones
Hidden Staircase - Feather & Belle
Gone Tomorrow - Lambchop
Sister Ray Charles - JC Brooks & the Uptown Sound
Pressure - Quadron
Why Stop Now (Ft. Chris Brown) - Busta Rhymes
Cole (Zero Gravity Reveal Mix) - Teddybears
Rose Mary Stretch - Pepper Rabbit
Pioneers - The Lighthouse and the Whaler
Barton Hollow- Live At Sundance - The Civil Wars
The Understanding - Jones Street Station
Waiting On A Friend - The Rolling Stones
Faster - Matt NathansonAntenna Sampler:
https://play.google.com/store/music/collection/series_overview_a...
Money - Lady
You Got Me - Ashley Monroe
Like Whaaat (feat. Bad Lucc) - Problem
Coalition - Iceage
Halla Bol - Red Baraat
Athena - Gorgon City
Just a Ride - The Virginmarys
Las Escondidas - Raul Y Mexia
Temptation - YONAS
Nails - Funeral For A Friend
Death on the Road (album) - Y La Bamba
Cooler Master Seidon 120M Liquid CPU Heatsink - $36.10 AR @ Amazon
Added on : Tuesday March 26th 2013 04:00:05 PM
Link- Pre-filled with coolant at the factory then sealed and pressure tested, allowing a 2-year Zero Maintenance guarantee. Pre-applied thermal compound is also included.
- Compact and durable all-in-one waterblock secured with 12 stainless steel bolts
- Waterblock machined out of a single block of copper for the best possible heat transfer
- Precision machined micro channels maximize the water contact surface to quickly dissipate heat
- Compact 120mm radiator fits in virtually any computer case, internally or externally
- 120mm PWM fan with a wide RPM range to fine tune and balance fan noise and performance
- Compatible CPU Sockets - Intel LGA 2011, 1366, 1156, 1155, 775 and AMD FM1, AM3+, AM3, AM2, FM2
- Fin design optimized for minimum air restriction to reduce fan speed and noise
Amazon Coupons
Link to AmazonI got this off of SD. Thought I would give it try just for fun to see if it gets filled.Garcinia Cambogia Extract - Extra Strength Garcinia Cambogia 1300 with 60% HCA (Hydroxycitric Acid) - Clinically Proven - Zero Fillers, Zero Binders, Zero Artificial Ingredients - 60 Veggie Caps (30 day supply) or 180 Veggie Caps (90 day supply)Ships from and sold by URUSH.Clinically Proven Garcinia Cambogia Extract - 60% Hydroxycitric Acid (HCA)
100% Pure all natural formula - Zero Fillers, Zero Binders, Zero Artificial Ingredients
Supports weight loss for all body types - No side effects
Reduces body fat while increasing muscle mass
Supports appetite control and healthy lipid levels
Amazon Coupons
Zero Xposur Women's Megan Mid-weight Hooded Jacket @ Sears - $19.99
Added on : Friday March 22nd 2013 09:00:02 PM
0 Posted By: FatWalletTopDeals
Views: 0 Replies: 0

Zero Xposur Women's Megan Mid-weight Hooded Jacket @ Sears - $19.99
was $120.00
Shipping adds $5.75

Availablein in size 1X only.
(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Sears Coupons
[Store stock is 100% YMMV]This is the start of "90% off" (+ or -, mathmatically not exact) winter clearance clothing items at Sears brick & mortar stores.Today I found kids winter coats 90%, ladies winter coats 80%, and mens winter coats $75% off.Including...$115 (XL price) Zero Xposur Boys Rec Ski Jacket + Beanie clearance for $12.99. Very heavy. Amazing style in person. Showing photo:
http://s.shld.net/is/image/Sears/spin_prod_736304912?hei=185&wid... $120 Zero Xposur Ladies Ski Jacket for $19.99. Many color choices in store.Showing photo:
http://www.sears.com/zero-xposur-women-s-megan-mid-weight-hooded...

$80 Mens Woven Covington Winter Jacket clearance $19.99. Many colors. Has back shoulder flap accent, zipper storm flap & chest accent flaps, velcro wrists, zipper pockets, etc step up from Cabela's 3 Season jacket.

Showing photo:
http://c.shld.net/rpx/i/s/i/spin/image/spin_prod_709514301?hei=2...$120 ZeroXposur Men's System or Performance Shell Jackets & $120 NordicTrack Men's Winter Coats either clearance for $24.99
no photos$30 Diehard or TKS Boys Winter Boots clearance $7.99 (all colors and styles)Showing photo
http://s.shld.net/is/image/Sears/spin_prod_695706901?hei=185&wid...
Out of all the above, only ladies winter coats had new clearance prices correctly marked. All else needed a price checker scan to see current price.
Sears Coupons
Text
http://www.sears.comZero Xposur Boy's Snowboard Coat & Hat Reg Price: $115.00 now $12.99
Clearance.Intermediate markdowns may have been taken While supplies last
Sold by Sears
Fit: Boys 8-20 Size XL Color
Select Black/Green
Special Offers Take 15% off Clothing & Accessories w code SPRING or SYWR Members can get 25% in Points w code SHOP Offer ends 23-Mar-2013 See details.

Product Description
Keep warm and looking cool while propelling down the mountain or climbing a snowbank with ZeroXposur boy's snowboard coat and hat set. This is a winter jacket for the active boy, one with an exterior keeping the cold and wet outside thanks to a resistant woven construction, a flexible gaiter and snow skirt keeping out the elements. The interior's fleece lining will maintain a comfortable temperature whether your boy is simply walking to school or flying down a steep mountainside.
Set: Jacket and hat
Beanie: Knit construction, one size fits most
Jacket: Removable hood
Water- and wind-resistant
Zip front
Velcro storm flap
Articulated sleeves with adjustable cuffs
Fleece lined
Two interior media storage pockets
Jacket shell/fill/lining: 100% polyester
Trim: 82% nylon, 18% spandex
Hat: 100% acrylic
Care: Machine wash
Imported
Text Add to Cart
Some nice drink deals at ACME PA starts 3/22all with store cardBuy 10 mix match of FUZE, VITAMINWATER, PWERADE or Powerade Zero, Smartwater (sizes 16-32oz as shown in store ad) for $1 ea (10 for $10)get 10 Free bottles of FUZE instantly (so 20 for $10, 10 must be FUZE)Snapple Tea Six Packs are 2 for $10 with $2oyno back. use two $1/1 (exp 3/31) coupons found in the 7up/Dr Pepper flyer in sunday papers on 2/26, pay $6 for 2 six packs ac/oyno.both offers limit 1 per transaction.
linkProduct Description
Size: 16 oz
EXTRA VIRGIN ORGANIC COCONUT OIL Coconut oil is a natural energy source because it contains MCTs (medium chain) good fats the body uses to produce energy. As a dietary supplement, Coconut oil is a good addition to physical activity, exercise and weight loss programs. Our Coconut oil is certified Organic, Non-GMO, Pure extra virgin, Cold pressed, Hexane-free, Unrefined, Non-bleached, has Zero trans fat and Zero hydrogenated fat. Coconut oil can be taken as a dietary supplement, used for cooking or used for skin & hair care.
Amazon Coupons
Strange address on my credit report
Added on : Sunday March 17th 2013 04:00:59 PM
I need my friends at CSI:Fat Wallet to help me figure out a mystery. While refi-ing my mortgage, I was asked about an address that showed up on my credit report. I was completely unfamiliar with the address, but when I googled it, the corporate offices of an internet retailer came up. I have never ordered from them before. Here is where it takes a strange strange twist. I went to high school with the (now former) President of this internet retailer. We were friendly, but had a falling out about 15 years ago and other than a handful of cordial correspondences, have not spoken really since. This is no minor website. It's not in Amazon's league, but as far as I know this is a major major company, and this old friend built it up from basically nothing to where it is now. I will not name the company until I figure out whats going on.This may be no big deal at all. I don't have any issues with my credit. I am just dumbfounded how this is on my credit report, and am afraid that maybe something funny was going on. Maybe this guy was using my identity in some way when he started the company. I've had no adverse actions if he did (as far as I know), but I do want to know how this address got on my report, one way or another. I only see this address on my Experian report, and as you can imagine, they have been zero help in answering any questions.FInally, YES, I reached out to this old friend, and he just wrote back that he doesn't work there anymore, has no clue how that could happen and that he'd try to look into it. NEver heard back after that, but again, we rarely if ever speak anyway.My questions are: How could this have happened? And how to I fix it, if it even needs fixing?
Sugoi MidZero Men's Zip Top ($39.93 compare at $80.00) @ REI
Added on : Sunday March 17th 2013 12:00:33 PM
Sugoi MidZero Men's Zip Top @ REI - $39.93
Added on : Sunday March 17th 2013 12:00:03 PM
0 Posted By: FatWalletTopDeals
Views: 49 Replies: 0

Sugoi MidZero Men's Zip Top @ REI - $39.93
compare at $80.00
Free shipping on orders over $50
Expires On: Mar 18, 2013 11:59pm


(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
REI Coupons
Pringles and Coke Zero Sampling Event @Walmart. (YMMV)
Added on : Sunday March 17th 2013 10:00:41 AM
Text
I dont know whether its the best price, but its really a good price compared to the last $89.99. This is really a cool marine tool for fishermen. I just got one a few minutes ago. Features: -Using an ultra wide, 25 degree sonar beam angle, delivers accurate depth, fish and bottom structure readings from 1.5 to 99.9 feet
-Operationable down to zero degrees Fahrenheit; includes a trollable, mountable, and floatable sonar sensor with 35 feet of cable and cable tie-strap
-Exceptionally easy to use; simply turn the power on, toss the sonar sensor from the shoreline, bridge, or boat
-Fits in the palm of your handhttp://www.amazon.com/
Amazon Coupons
Debunking Crugman, Bernanke and Co - deficits do matter
Added on : Tuesday March 12th 2013 08:02:19 PM
Sorry, I know it's a blog-like post, but I enjoyed the article By Laurence Kotlikoff and just must share:
Krugmans Four Dangerous Fiscal FablesThere are four dangerous fiscal fables afloat. The first is that taxes can be cut to raise revenues and lower the deficit. The second is that spending can be raised to raise revenues and lower the deficit. The third is that the deficit can be financed by printing money with no real consequences. And the fourth, and most dangerous, is that the deficit's accumulated value -- the official debt -- is a meaningful measure of our country's or any country's true indebtedness.Paul Krugman, who has been pleading for more deficit spending on a continuous basis in his New York Times column, is hawking all four fables. Pity our children if our policymakers continue to take his views seriously.The Deficit and RealityLet's start with the worst fable, namely that the debt Krugman is considering is, in fact, the right measure of our government's obligations. The measure Krugman is using is the official debt in the hands of the public, which is $11 trillion. But the true debt, known to economists as the fiscal gap, which includes all the off-the-book obligations of the government, is 20 times larger!These off-the-book obligations include the requirement, under current law, to pay today's 40 million seniors, on average, $30,000 per year in today's dollars in Social Security, Medicare, and Medicaid benefits through the rest of their days. They include the requirement, under current law, to pay today's 78 million baby boomers, when fully retired, $40,000 per head, in today's dollars, in Social Security, Medicare, and Medicaid benefits. They include the requirement to pay for all future military expenditures, all future welfare benefits, all future Supreme Court Justices salaries, and the list goes on.Like interest and principal payments on official government debt, these other payments are coming in the future. But of all the expenditures the government is promising explicitly or implicitly to make in the future, only those called "interest and principal payments" are being valued in the present and included in Krugman's measure of government debt.Perhaps Krugman should sit down with a 75-year-old and ask her whether she thinks the government has an obligation to continue sending her a Social Security check every month or a commitment, under Medicare and Medicaid, to help cover her future healthcare bills. Perhaps he should sit down with an admiral and ask whether the government has an obligation to build new submarines and maintain our fleet over time. Perhaps he should ask the head of the Department of Transportation whether there is a requirement to repair federal highways and build new ones.Krugman would quickly learn that these debts -- these obligations to spend -- are no less real and, indeed, a lot more real than the official debt. The official debt, after all, can be wiped out in real terms by printing money and raising prices. Not the case for our transfer payments and direct government purchases. They are either formally or informally indexed for inflation. As for the politics of who will get paid in a crunch, it's not the official debt holders. Just ask Greek bond holders how they fared in recent years compared to Greek retirees collecting state pensions.Paul Krugman is a Nobel Prize winner in economics. He should know the debt is not well defined -- that what's put on the books and what's kept off the books reflects labeling choices by successive Congresses designed to make the official debt as small as possible because, guess what, people like Krugman are writing about the official debt, but not the unofficial debt.Economists have been discussing this labeling problem and have been producing meaningful fiscal gap measures, that are label-invariant, for 40 years. I wrote a column called Deficit Delusion on this in the Public Interest back in 1984 and one in Science back in 1988. My most recent column is posted on the PBS Newshour site.Yet Krugman says in his most recent column that "I have yet to see any coherent explanation of why these longer-run concerns should determine budget policy right now." The coherent explanation is given by economic theory, which makes crystal clear that the choice of fiscal labels is economically arbitrary and that, as a consequence, the projected path of the government's short and long-term cash flows is arbitrary, and that, as consequence, economic theory does not distinguish short-run vs. long-run budget policy. What economic theory tells us is to look at the entire projected path of policy, measure its fiscal gap, and decide on the basis of the size of its fiscal gap whether the policy is sustainable.The equations of our economic models don't define the debt. It's that simple. Nor do the equations in physics define time or distance. In physics, how you measure time and distance is a matter of your frame of reference, which can be viewed as a language or labeling convention.When I was asked in 1988 by Science to write about economics fiscal relativity problem I was struck that the hard scientists could get this point so quickly and that so many economists could not. But, then again, economists are the tailors of this emperor's new clothes and have a very strong incentive to keep discussing fiscal policy using meaningless measures. Krugman is the chief tailor in this regard.The U.S. fiscal gap of $222 trillion is enormous and totally unsustainable. But rather than discuss the fiscal gap, Krugman discusses the official debt which is one-twentieth as large and, as indicated, a measure of the government's words, not its policies.Of course, once you have the emperor convinced that his new clothes are for real, you can take full advantage of his ignorance. Krugman is doing this with his readers. He's taking advantage of their ignorance by showing that a non-measure of government sustainability, intentionally designed to be as small as possible, is not of major concern. And in claiming that the long-run is distinct in terms of policy from the short run and can be ignored until we reach it, he's persuading his readers that they needn't worry about the fiscal Sword of Damocles suspending over our children's heads.This is fiscal child abuse pure and simple, and Krugman should be ashamed of his contribution to it. There is not a single dynamic model of the economy's dynamic transition being published in leading economics journals that doesn't include the constraint that the fiscal gap be zero. But Krugman simply discards what we academic economists call the government's intertemporal budget constraint.Let's be clear. Generationally speaking, paying for the government's spending is a zero sum game. Eliminating the fiscal gap -- satisfying the government's intertemporal budget constraint -- requires either a) an immediate and permanent 64 percent hike in all federal taxes or b) an immediate and permanent 35 percent cut in all projected government outlays including those called "interest and principal." If we wait a decade to take our medicine, these figures become 70 percent and 38 percent respectively. And, guess what? In that case, our children will face even higher taxes or lower spending over their precious lives.These aren't my estimates of the fiscal gap or what's needed to close it. They are my calculations based on the Congressional Budget Office's long-term fiscal forecast called the Alternative Fiscal Scenario. The CBO publishes this forecast in June each year. Last June the fiscal gap was $222 trillion. In June 2011 it was $211 trillion. It rose by $11 trillion between 2011 and 2012, which is the same amount as the entire stock of federal debt! The reason, in large part, is that baby boomers got one year closer to cashing in on all those Social Security, Medicare, and Medicaid payments which they are owed, but which have conveniently been ignored in tallying up federal debt.Krugman dismisses the terrible zero sum generational game we are playing with our kids. He sees our economy operating at less than full employment and says that if the government spends more on what it labels as purchases or transfer payments the economy will be stimulated, everyone will be hired, and the extra spending covered by the associated extra revenues.Something for NothingThis is the second fable -- demand-side voodoo economics -- that more spending will beget more taxes. But it's also the first fable -- supply-side voodoo economics -- that less taxes will beget more taxes. The reason is that cutting someone's taxes is, apart from words, no different that increasing their transfer payments so since Krugman believes that more transfer payments will pay for themselves, he must, perforce, believe tax cuts pay for themselves.Believing that we can get something for nothing -- that we can, in effect, produce mana from heaven by being more fiscally profligate -- is believing in magic. This is why President Bush, the senior, properly called such fantasies, when they were being espoused by Ronald Reagan, "voodoo economics." And when George Bush, the junior, cut taxes, Krugman routinely skewered him for doing precisely what Krugman is now advocating -- praying for mana.But let's assume Krugman has it right and that gambling yet further with our children's economic future will restore the economy to full employment. How much of the fiscal gap will go away? Precious little.Given the recent tax hike and sequester cuts, my guess is that this June's Alternative Fiscal Projection will look better, that the fiscal gap will fall to $200 trillion, and that we'll be short, on an ongoing basis, not 12 percent of GDP, but 11 percent of GDP.The CBO projection has the economy returning to full employment (defined as 5.5 percent) in 2017.If we could miraculously and immediately get back to full employment at no net budgetary cost via spending that pays for itself that would mean, at most, 5 percent more GDP for 4 years relative to what the CBO projects will arise. In terms of lowering the fiscal gap, this would contribute perhaps 2 percent in net revenue for four years against the 11 percent in additional net revenue needed in those years. But, and this is key, it would do nothing to come up with the 11 percent of GDP in net revenue needed for every year in the country's future beyond 2017. The point is that we'd still have an absolutely enormous fiscal gap to deal with even if more voodoo finance pays for itself and immediately gets the economy back to its potential GDP.Earth to Paul Krugman. We've just spent four years experimenting with demand-side and supply-side economics. During this time, the fiscal gap rose by $42 trillion to its current value of $222 trillion. If the fiscal gap in June is $200 trillion, as I predict, its $22 trillion decline won't reflect the healing power of your crude Keynesian voodoo policy, but real tax hikes and spending cuts.So as a means of achieve fiscal solvency, neither Keynesian demand management nor Reagan supply management is working. Yet Krugman and his partner in economic crime -- Larry Summers -- would say more voodoo medicine is needed. But we gave the patient a very big dose and he didn't respond.Meanwhile the underlying structural drivers of the long-term fiscal gap were ignored with all attention focused on the "short term." Again, every passing year brings us closer to all 78 million baby boomers receiving their benefits. These projected payments are like zero-coupon bonds. We're not feeling any cash-flow pain from them now, because Congress arranged the payment stream to delay when they come due. But they will come due shortly.Social Security, Medicare, and Medicaid expenditures are a 35 percent larger share of GDP today than in 2000. President Obama was able to stabilize this growth in his first term, but he didn't reverse it. Meanwhile, the way his healthcare reform was implemented could lead to explosive costs. There is a huge incentive under the Affordable Care Act for employers to shut down their health insurance plans, pay the relatively small penalty, and ship their workers over to the new health exchanges where the vast majority will get very large subsidies. This was one of the few things that Mitt Romney actually got right. But the Congressional Budget Office doesn't have this baked into their projections as far as I know.Don't Forget About InflationThe last fable -- fable three -- is that we can pay off our debts, no matter their labeling, simply by printing money. There is, today, a band of very prominent pundits and policymakers, I'll call them the Money Printers, who think the U.S., the UK, the Eurozone, and Japan can safely print tons and tons of money, pay their bills with this paper, and never have to worry about inflation. The ranks of the Money Printers include not just Krugman, but also Fed Chairman Ben Bernanke, FT columnist, Martin Wolf, Adair Turner, head of the UK's Financial Services Authority, the new Prime Minister of Japan, Shinzo Abe, IMF chief Christine LaGuarde, and the list goes on.But we've seen this movie for five years now, and it's a horror show. Since 2007, the developed world's central banks have roughly tripled the basic amount of money, called the monetary base, that existed in 2007. This has laid the groundwork for a tripling of the price level, i.e., for hyperinflation. Yet the printing presses continue to run at full tilt every second of every minute of every day. Here, again, we have reckless endangerment of our children with no accounting of the generational risks being imposed.In the last century, 20 countries ended up with hyperinflations by using the printing press to avoid taking fiscal responsibility. Now we have virtually the entire developed world printing money out the wazoo.Krugman's response is, "Where is the inflation? Where are the high interest rates?"My answer is give it time. The long history of fiscal and financial crises is that they happen abruptly, at a moment that seems not to matter, but in retrospect it was easy to see that the crisis would eventually materialize.I'm not a religious person, but this quote from the bible seems apt: "When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me."The belief in and practice of voodoo economics, extraordinary reliance on the printing press, and the intentional use of deceptive measures of our nation's fiscal obligations is, at its root, childish, selfish, and self-serving behavior by people who don't deserve the title of "adult."Laurence Kotlikoff is an economist at Boston University and President of Economic Security Planning, Inc. whose company markets Maximize My Social Security and ESPlanner (Economic Security Planner).
interesting that Vantagescore will now ALSO use 300-850 rangeimo, this new scoring system (if its ever utilized as much as Fico), is a way from lenders to well lend more to "worthy" applicants. banks are always looking for new revenue stream, especially now that the re-fi express may be coming to an end and revolving debt keeps on declining. would be interesting to see if/what Fico does to follow suit.
Text"A new credit scoring model will potentially boost scores for many credit applicants and help establish credit for millions of people who previously had little or no credit history.
The new scoring model will be used in the latest version of the VantageScore, the credit score created by the three major credit bureaus -- Experian (EXPGF), Equifax (EFX) and TransUnion. Currently, debts that go into collections, even if they are paid off, are factored into all credit scores for up to seven years, said John Ulzheimer, president of consumer education for SmartCredit.com. But VantageScore 3.0 will no longer factor these accounts into a consumer's score if the debt was paid in full or settled, just as long as the balance is zero. Also, natural disaster victims will now be able to benefit from good credit behaviors -- like making payments on time, despite the hardship -- but will continue to be protected against negative accounts. Previously, both negative and positive accounts were ignored in the aftermath of natural disasters, making it difficult for victims to improve their credit scores. Related: Employer credit checks keep jobless out of workforce With big natural disasters like Hurricane Sandy hitting thousands of consumers in the Northeast last fall and millions of others with paid collection accounts on their credit reports, many people are likely to see their scores improve under this new model, said Ulzheimer. "Consumers who have a zero-dollar balance on collections and no other negative information on their credit reports should see their VantageScore's increase significantly," he said. But the boost only matters if a lender uses the new VantageScore. While FICO is still the most widely used scoring model, the VantageScore is gaining ground. It's currently used by seven of the top 10 financial institutions, six of the top 10 credit card issuers and four of the leading auto lenders and mortgage lenders, according to its website. Related: Millions of credit reports have errors VantageScore's new model will also weigh rent and utility payment records, and public records like bankruptcies for people with very limited credit histories. This will allow it to score as many as 30 million people who previously couldn't get a credit score, and potentially help them qualify for more competitive credit rates, said Ulzheimer. Other score developers, like FICO, may follow suit. FICO announced Monday that it will begin looking into ways of factoring in alternative records to calculate scores for those without -- or with limited -- credit files. Meanwhile, VantageScore is changing its scoring range to align with FICO's 300 to 850 range. Earlier versions range from 501 to 990, often causing confusion for consumers and lenders since most are more familiar with FICO's range. "This is like changing your speedometer from kilometers per hour to miles per hour, it just makes more sense to American consumers and American lenders," said Ulzheimer."
New credit score could help millions
Added on : Monday March 11th 2013 07:02:42 PM
interesting that Vantagescore will now ALSO use 300-850 rangeimo, this new scoring system (if its ever utilized as much as Fico), is a way from lenders to well lend more to "worthy" applicants. banks are always looking for new revenue stream, especially now that the re-fi express may be coming to an end and revolving debt keeps on declining. would be interesting to see if/what Fico does to follow suit.
Text"A new credit scoring model will potentially boost scores for many credit applicants and help establish credit for millions of people who previously had little or no credit history.
The new scoring model will be used in the latest version of the VantageScore, the credit score created by the three major credit bureaus -- Experian (EXPGF), Equifax (EFX) and TransUnion. Currently, debts that go into collections, even if they are paid off, are factored into all credit scores for up to seven years, said John Ulzheimer, president of consumer education for SmartCredit.com. But VantageScore 3.0 will no longer factor these accounts into a consumer's score if the debt was paid in full or settled, just as long as the balance is zero. Also, natural disaster victims will now be able to benefit from good credit behaviors -- like making payments on time, despite the hardship -- but will continue to be protected against negative accounts. Previously, both negative and positive accounts were ignored in the aftermath of natural disasters, making it difficult for victims to improve their credit scores. Related: Employer credit checks keep jobless out of workforce With big natural disasters like Hurricane Sandy hitting thousands of consumers in the Northeast last fall and millions of others with paid collection accounts on their credit reports, many people are likely to see their scores improve under this new model, said Ulzheimer. "Consumers who have a zero-dollar balance on collections and no other negative information on their credit reports should see their VantageScore's increase significantly," he said. But the boost only matters if a lender uses the new VantageScore. While FICO is still the most widely used scoring model, the VantageScore is gaining ground. It's currently used by seven of the top 10 financial institutions, six of the top 10 credit card issuers and four of the leading auto lenders and mortgage lenders, according to its website. Related: Millions of credit reports have errors VantageScore's new model will also weigh rent and utility payment records, and public records like bankruptcies for people with very limited credit histories. This will allow it to score as many as 30 million people who previously couldn't get a credit score, and potentially help them qualify for more competitive credit rates, said Ulzheimer. Other score developers, like FICO, may follow suit. FICO announced Monday that it will begin looking into ways of factoring in alternative records to calculate scores for those without -- or with limited -- credit files. Meanwhile, VantageScore is changing its scoring range to align with FICO's 300 to 850 range. Earlier versions range from 501 to 990, often causing confusion for consumers and lenders since most are more familiar with FICO's range. "This is like changing your speedometer from kilometers per hour to miles per hour, it just makes more sense to American consumers and American lenders," said Ulzheimer."
HyperWallet - They make up rules as they go along (dormancy fee).
Added on : Monday March 11th 2013 01:01:14 PM
I need to vent. I have an account with HyperWallet. Never really used it. I had $25 in it, which is now $15. They charged me a $10 dormancy fee for not having a financial transaction for one year. I sent them an email saying I did have more than one financial transaction. I exchanged amounts between my US$ and CDN$ balances. I did one dollar each way. Did this every six months for years, and never was charged a dormancy fee. Foreign exchange is a financial transaction in my mind, but this is what they told me:Dear Customer,Unfortunately by accepting the Terms of Use while creating your HW account in section 9. Dormant Wallets you agree that if you do not complete a financial transaction using your Wallet for a period of one year then you agree to pay a service fee of US$10.00. Since Foreign exchange is not considered a financial transaction the wallet is currently deemed dormant.For answers to our most frequently asked questions, please visit https://www.hyperwallet.com/faqs.jspKind Regards.From their terms of service:If you do not complete a financial transaction using your Wallet for a period of one year then you agree to pay a service fee of US$10.00 which shall be charged to your Wallet with the same fee being charged in each subsequent year where you continue to not complete a financial transaction using your Wallet. Notwithstanding the foregoing, we will upon your request return to you any money we collected from you as a dormant Wallet service fee provided that such request is made within three years of the date of your last financial transaction using your Wallet, and before any of your money has been turned over to a governmental agency as part of an escheatment transfer. If your Wallet has a zero or negative balance for two years then all Services provided to you may be terminated and you will be notified of such termination in accordance with these Terms.-----My question. There is nothing in their terms of service that says what is, and what is not, "a financial transaction." Nothing about foreign exchange not being. If I go into a bank and exchange one currency for another, if it's not a financial transaction, what is it?Anyway, I have no need for this account. I'll probably just close it. They won't be missing me.
Text
Zero Xposur Infant & Toddler Boy's Bubble Coat, Hat & Mittens
$12.99 each $75.00 each
Clearance.Intermediate markdowns may have been taken While supplies last
All items on clearance Sold by Sears Size
Select 12 months 18 months 24 months 2T 3T 4T Color
Select Black
in blue
TextText
girls
ZeroXposur Infant Girl's Puffer Jacket, Scarf & Mittens $12.99 each $75.00 each
Clearance.Intermediate markdowns may have been taken While supplies last
All items on clearance Sold by Sears
Sears Coupons
How much did you pay for your 2013 car THREAD!
Added on : Friday March 01st 2013 04:00:58 PM
I found a few ancient threads on the subject, so I though it'd be easier and more relevant, if the thread was organized by year. I recently got a 2012 Mazda 5 - touring edition - for $515/mo. for 36 mos. with zero interest and $5,000 down. I went into the dealer looking for the 2013, but I couldn't pass this deal.So what did you pay for your new 2013 ride? or, 2012?
ZeroXposur Nitrogen Stretch Men's Jacket @ Kohl's - $66.00
Added on : Thursday February 28th 2013 09:00:05 PM
0 Posted By: FatWalletTopDeals
Views: 94 Replies: 0

ZeroXposur Nitrogen Stretch Men's Jacket @ Kohl's - $66.00
compare at $170.00
Shipping adds $8.95.


(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Kohl's Coupons
Sears has some sales on women's Zero Exposur Jackets. This one has pretty good reviews and the comes in other colors for $30.Link to all jackets (Select GREEN color for the $20.99) : ClickForJacket Other styles Jackets $20.99 to $30 :Text
Sears Coupons
Severance payment help
Added on : Wednesday February 27th 2013 01:01:03 PM
I need help determining the best course of action for a severance package. I am now permanently disabled and this is the last step in a long and difficult process. I am struggling with some cognitive issues so please be gentle ... not asking to be fleeced, I need help.
My salary was $93000 and the company is offering me 1 month of severance or $7750. After taxes & deductions, the severance payment will be $5369.
My disability payment is $4600/month, but it will be reduced dollar for dollar by the severance agreement. So my check will be zero for the month I am paid. The net gain for a 1 month severance package is roughly $769.
Could the company put $800 in a 401k package and I come out ahead?
The company has private stock, do you know how that would be taxed?
Any and I mean any advice would be greatly appreciated. Thanks ...
Was sold incorrect brake parts - what would you do?
Added on : Monday February 25th 2013 11:01:30 AM
I recently did a front brake job on our family station wagon and upon test driving afterward found the stopping distance and overall braking power were so awful it was past the point of unsafe, and I was getting all sorts of squealing noises as I would go around corners when I wasn't even touching the brake pedal. So I took the wheels off again to see what could be wrong and noticed that the rotors I was sold were significantly smaller in diameter than they should have been - the pads were only grabbing onto the very outer lip of the rotors. Somehow they had the correct bolt pattern and thickness (which is why I was still able to install them without any red flags going off in my head) but had the wrong diameter by a couple inches.So I took the rotors back to the store and we eventually figured out they had an error in their computer that prompted me to be given the wrong parts. So I exchanged for the correct size on the spot. However, when I bought the original pair online I had used a coupon code that saved me ~$30. No more coupon code when I did the exchange in store so I'm out the $30 and they won't do anything about it (argued in the store, online chat, and on the phone with customer service). All they will do is give me a $25 discount if I spend $XX on a future order.The other kicker is that I had put in new pads as part of the brake job and now they are still squeaking because of the uneven wear they got when I was using them on the too-small rotors. If I want to fix that I have to do another brake job and then argue with them about returning used parts.So after no hint of an apology for potentially injuring or killing me, my family, and/or others on the road, and zero willingness to give me back the $30 I think I'm due, now I'm starting to get pretty pissed. What would you do at this point?
- Drop it (nobody got hurt, I can't say I need the $30, and I've got better things to do with my time)
- Send a letter to their corporate HQ requesting the $30 plus extra for all the hassle
- Send a letter to their corporate HQ with notice of me retaining a lawyer for the safety issue. Faulty brakes are no joke.
- Other?
http://www.listerine.com/21days
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Tell us why you dont believe that you felt the difference in your mouth after rinsing with ANY LISTERINE THERAPEUTIC MOUTHWASH* ( antiseptic or fluoride mouthwash) for 21 days, vs. prior to using LISTERINE (up to 50 words). Be sure to include your name and address, city, state, and zip code with your comment.
No P.O boxes, only street and rural route addresses are acceptable.
*Excludes LISTERINE ZERO
*Excludes LISTERINE SMART RINSE Anticavity Fluoride Rinse
Offer limited to sizes 250mL or larger for LISTERINE THERAPEUTIC MOUTHWASH and 32 oz. for LISTERINE Whitening Restoring Fluoride Whitening Rinse
Enclose your original store identified sales receipt dated 2/1/13 through 6/30/13 indicating eligible LISTERINE product purchased with purchase price circled.
Enclose the original LISTERINE Therapeutic Mouthwash (antiseptic or fluoride mouthwash) package UPC from the bottle.
Mail to: LISTERINE CHALLENGE, P.O. Box 49160 Dept M, Strongsville, OH, 44149-0160. Offer Terms valid for U.S. residents only. Purchase must be made 2/1/13 through 6/30/13 and received at the mailing address on or before 8/15/13. Offer is limited to one (1) reimbursement claim per household or street address for the purchase of a single product. No P.O. boxes. Maximum value of the reimbursement equals $12.99 USD, including tax. Participants will receive a refund check by mail.Please allow 6-8 weeks for processing and delivery. If original UPC, valid original sales receipt (with retailer name, accurate product description and date) are not included in the request for a refund, the purchase price (up to $12.99) will not be refunded. Fraudulent submission including use of multiple addresses to obtain additional rebates may result in federal prosecution under the U.S. Mail Fraud Statutes (18 U.S. Code, Section 1342). Not responsible for lost, late or undelivered responses. Must be 18 or older to participate.
* Use a LISTERINE therapeutic mouthwash as directed for 21 days. If you dont feel a
difference, you will receive a full refund for your purchase. Offer valid until June 30, 2013.
These came back to the BF sale price, after coupon EMCXVVW262 is applied. Happy customer here, I had zero problems with them since I installed them, in late November, almost three months now.
Link
http://www.mycokerewards.com/Kroger
Where can I find My Coke Rewards Codes?
There are lots of ways to refreshand reward yourself. Most Coca-Cola brands are participating now Coke, Diet Coke, Coca-Cola Zero, Sprite, Fanta, DASANI, POWERADE, Minute Maid, Pibb, Fresca, Barq's, Mello Yello, Seagram's, and FUZE. On 12-Pack Fridgepacks, its inside the tear-off flap. On shrink-wrapped cases, its inside the shrink wrap on the bottom of the carton. Not all of our packages have codes, so look for the My Coke Rewards logo before your buy just to be sure.

3 - 12 PACK CODES......DAY 1 = 30 POINTS + 10 POINT BONUS = 40 POINTS
3 - 12 PACK CODES......DAY 2 = 30 POINTS + 10 POINT BONUS = 40 POINTS
3 - 12 PACK CODES......DAY 3 = 30 POINTS + 10 POINT BONUS = 40 POINTS
3 - 12 PACK CODES......DAY 4 = 30 POINTS + 10 POINT BONUS = 40 POINTS
TOTAL POINTS RECEIVED..........160 POINTS - YAY!
10 Inch Thick, 4 Pound Density Visco Elastic Memory Foam Mattress Bed Made in the USA regular price $503.79 less than $403.79 with 20% Off Coupon Code: BEDSALES from All Sleep.10 Inch Thick, 4 Pound Density Memory Foam MattressBEDSALES
Instantly makes sleeping more restful, comfortable, and supportive similar to zero gravity.
3 inches of 4 lb memory foam conforms to your body perfectly, 7 inches of high resilence base
Made in the USA using enviromentally friendly processes. PURGreen Certified
Memory foam reduces pressure points that cause you to toss and turn, so you sleep better.
Mattress features 3 inches of four-pound density with the famous gel-like feel. Product Description
Size: Queen
Memory foam's ability to reduce pressure points is one of the reasons so many people are using it to get the best night's sleep. Now you can enjoy the benefits of memory foam without having to buy a new mattress by replacing this memory foam mattress with your existing innerspring mattress. This mattress will add comfort and increase the quality of your sleep from immediately. Three inches of four pound density memory foam used in this mattress is specifically designed to provide you with an enhanced gel like feel, and also provides additional support in areas where where traditional innerspring mattresses creat painful pressure points. The foam is also specially formulated to contour to your body at any temperature, and will give you the extra comfort you need to get the best night's sleep possible. Environmentally friendly processes are used to make our memory foam. This makes our memory foam more "green" and eco-friendly, by the use of earth friendly processes. Our mattresses have also earned the PURGreen certification, which means they are manufactured, fabricated and packaged in the U.S.A. meeting all EPA and CSPC standards being safe and free from harmful chemicals. PURGreen uses independent laboratory results to qualify products and ensure they are manufactured without the use of ozone-depleting substances such as Chlorofluorocarbans, Polybrominated Diphenyl Ether substances, Harmful Metals, Formaldehyde, Prohibited Phalates or any other unsafe materials. PURGreen also implements baseline requirements such as conserving water, energy and other natural resources in the manufacturing processes established through internationally accepted ISO standards and procedures in order to receive certification.***There may be a new foam smell associated with your new mattress; however, this odor is not toxic or harmful passing all PURGreen, EPA and CSPC standards. MADE IN THE USA.
Amazon Coupons
Appears DEAD. Dell Inspiron laptop with i5 $450 Sorry for late post!
Added on : Tuesday February 19th 2013 03:00:08 PM
I will preface this saying this is a complete copy of a deal on SD. I just wanted to post it here as well. I take zero credit for this and am simply sharing it for the purpose to share the deal and for comments I posted below as I'm in the market for a new laptop. Dell Inspiron Laptop Ivy Bridge i5, 17" 1600x900 resolution, 6GB RAM - $450 + free shipping
i5 laptop with a decent resolution, praise the Lord. It is a larger size due to that screen, so keep that in mind.$599.99 - Coupon code "T15HGBVS9PS?VF" takes it down to $449.99 with free shippinghttp://configure.us.dell.com/dell...3242274942Windows 8, 64-bit, English
Inspiron 17R Notebook (Inspiron 5721)
3rd Generation Intel Core i5-3317U processor (3M Cache, up to 2.6 GHz)
6GB Dual Channel DDR3 1600MHz
750GB 5400 RPM Hard Drive
Intel HD Graphics
8X CD / DVD Burner (Dual Layer DVD+/-R Drive)
17.3 HD+ (900p) WLED with Truelife (1600x900)
Intel Centrino Wireless 2230, 2x2 bgn + Bluetooth
Waves MaxxAudio 4
Dell Chiclet Keyboard with Multi-touch Touchpad, US English
Primary Battery 6 Cell
Moon Silver
I do want some input on this specific deal. I missed out yesterday on the new 17 inch deal for $399 they had. It has a new i3 process: i3-3227U There is no benchmark yet that I can find. It's still on sale today but at $449, still a pretty decent deal. My question is, the new 17R has an old i5 in it. The i5-3317U processor, I believe, from just scanning online came out last summer. Whereas the new i3 literally was just released. So to sum up, each is the same price at $449. BUT...17R has 6GB Ram, 750GB hard drive. 17 has 4GB Ram and 500 GB hard drive. It appears every other detail, besides process is the exact same. Why put out a new 17 inch with a new i3 in it AND put out a new 17R laptop with an old processor in it? Is the older i5 worth it for 2gb of ram and 250gb of hard drive?
I'd appreciate any input on this matter!
Dell Consumer Coupons
Zero-coupon bond taxation question
Added on : Sunday February 17th 2013 12:01:26 AM
For the first time I bought some zero-coupon muni bonds in 2012. Regarding tax, I found on investopedia.com:Taxation of Zero-Coupon Bonds:
Despite the fact that they have no stated coupon rate, zero-coupon investors must report a prorated portion of interest each year as income, even though it has not been paid out. Zeros are issued at a discount and mature at par, and the amount of the spread is divided equally among the number of years to maturity and taxed as interest, just as any other original issue discount bond.My broker's 1099 Form provides zero data regarding these particular bonds. My question is, how does IRS keep track if an investor pays or not this prorated portion of interest (not all investors are aware of this rule)? 1099-INT Form dutifully reports all other numbers (non-zero interest, sales numbers, etc.). Bond purchases are not reported (only sales).
Balance transfer to zero balance credit card
Added on : Saturday February 16th 2013 04:01:04 PM
I applied for the chase slate card and want to do a balance transfer from the card and get cash. They said they can't issue my access checks because its a new account. If I submit a balance transfer to a credit card that has a 0 balance, what happens? Will that company send me a check? I have cards with BofA, Citi, AMEX - is one of those better to use for this purpose?Alternatively, are there any other ways to get a balance transfer into my checking account?
CVS 3/3 - 3/9 ECB Deals and ScansAd scan HERE https://docs.google.com/file/d/0B83MhcHUQWQGdTZ2cWd2dmNZa2s/edit...FREE after ECB

Gold Emblem jelly beans 7 oz. $.99 get $.99 ECB Limit 1
ECB DealsOlay Total Effects facial (excludes cloths and tone correcting $18.99 get $1 ECB Limit 1Any Pantene Expert shampoo, conditioner or treatment (excludes clearance items) $10 ECB web $30 Limit 1ZzzQuil LiquiCaps 12 ct. or liquid 6 oz. $4.99 get $1 ECB Limit 1
*$1 MQ in Sunday paper*NyQuil, DayQuil 24 ct., liquid 12 oz, Sinex 24 ct., spray 0.5 oz, Nature Fusion 8 oz or 20 ct. $6.99 get $1 ECB Limit 1
*$1 MQ in Sunday paper*Oral-B power toothbrush refills 3 pk. $21.99 Get $3 ECB Limit 2
*$1 MQ in Sunday paper*Oral-B 3D White Action rechargeable brush $10 ECB Limit 2Irish Spring bar 3 pk. or Softsoap liquid 8.5 oz. $2.99 get $1 ECB Limit 1Any Maybelline eye or lip (excludes clearance items) $3 ECB wyb $10 Limit 1L'Oreal Colour Riche Lip or ANY L'Oreal nail (excludes Anti-Age, Collagen, Infalliable lip and clearance items) $3 ECB wyb $10 Limit 1Any Sally Hansen cosmetics (excludes clearance items) $5 ECB wyb $10 Limit 1Vaseline lotion 20.3 oz, spray 6.5 oz, Dove body wash 18-24 oz, Dove, Caress or Lever bar 6-8 pk. $5 ECB wyb $15 Limit 1Softsoap body wash 15-18 oz. 2/$7 get $4 ECB wyb 2 Limit 1Any L'Oreal hair color (excludes clearance items) $4 ECB wyb 2 Limit 1Colgate manual toothbrush 2-4 ct., toothpaste Twin Pk. or Optic White rinse 32 oz. $2 ECB Limit 2Colgate Optic White toothpaste 4 oz, rinse 8 oz, toothbbrush 1 ct., Speed Stick or Lady Speed Stick (excludes twin pk.) 2/$6 get $2 ECB on 2 Limit 1Ban roll-on 3.5 oz. 2/$10 get $4 ECB
*$1 MQ in Sunday paper*Right Guard Total Defense or Dry Idea antiperspirant/deodorant (excludes sport and aerosol) 2/$6 get $1 ECB Limit 6
*$2 MQ in Sunday paper*Opti-Free twin pk., Zaditor 5ml, GenTeal 25 ml or gel twin pk. $14.49 get $1 ECB Limit 1
*$1.50 MQ in Sunday paper*Depend Silhouette or Real Fit 3 ct. $3.99 get $1 ECB Limit 1Zegerid 42 ct. or Culturelle 30 ct. $22.99 get $5 ECB Limit 3Pulse oximeter, pedometer or select blood pressure monitors $10 ECB Limit 1ANY Dr. Scholl's (excludes clearance items) $5 wyb $20 Limit 1Pedialyte 1 liter, PediaSure 6-8 pk. or Similac Ready-to-Feed $2 ECB wyb 2 Limit 1Disney Wreck-It Ralph DVD $19.99 get $5 ECB Limit 1
*Blu-Ray $29.99*$5 ECB wyb $15 of Easter candy shown below Limit 1
Easter Peeps 3-12 ct. 2/$2.98
Hershey's Easter Big Bag 18-18.5 oz 2/$10
Hershey's Easter assorted 8-10 oz. 2/$5
Twizzlers Snack Size 10.24 oz or Jolly Rancher sour Bunnies 10 oz. 2/$4
Cadbury single egg 1.2 oz, Mini Eggs 1.5 oz, Reeses egg or Hershey's bunny 2/$1.50
Hershey's Easter bunnies, eggs 6 pk. or mini eggs 12 pk. 2/$7
Whoppers Robin Eggs 10 oz. 2/$4Easter M&M's 9.9-12.6 oz 4/$12 get $4 ECB Limit 1Crest Pro-Health toothpaste, rinse, Oral-B toothbrush or Glide floss, (excludes clearance items) $5 ECB wyb $10 Limit 2Prilosec 32 ct. $24.99 get $5 ECB Limit 3
*$1 MQ in Sunday paper*
$15 rebate when you spend $50 on Venus, Secret, Olay, Pantene, Herbal Essences, Aussie, Head & Shoulders, Clairol, Cover Girl, Crest 3D White products, Puffs, Ivory, and Safeguard.
Offer valid 2/13/13 - 4/30/13
Rebate available at www.CVS.com/PGBeautyRebate (excludes clearance items). REBATE FORM NOT YET UPLOADED as of 2/15
Olay Regenerist or Total Effects Tone (excludes kits and treatments). $20.99
*$3 MQ in Sunday paper*
Olay Total Effects facial (excludes cloths and tone correcting) $18.99 get $1 ECB Limit 1
*$3 MQ in Sunday paper*
Olay Complete Defense 2.5 oz, Fresh Effects 1.7-2.5 oz, cleansing system or ALL Age Defying Anti-Wrinkle $12.99
*MQ in Sunday paper*
Olay body wash 15.2-23.6 oz, bath bar 6 pk. or ultra moisture lotion 20.2 oz.
*MQ in Sunday paper*
Olay Complete or Age Defying lotion 4-6 oz, cream 2 oz, eye gel o.5 oz or 2in1 cloths 66 ct. $9.99
*$2 MQ in Sunday paper*
Olay Regenerist Premium or facial hair removal $22.99
*$3 MQ in Sunday paper*
Olay daily facial cloths 20-33 ct. or cleansers 5-7 oz. $4.99
*$2 MQ in Sunday paper*
Any Pantene Expert shampoo, conditioner or treatment (excludes clearance items) $10 ECB wyb $30 Limit 1
Clairol natural instincts, nice'n easy or root touch-up hair color $5.99
*$2 MQ in Sunday paper*
Head & Shoulders 13.5-14.2 oz.
Puffs 95-100 ct. or Puffs Plus 48-68 ct. tissues $.99
*MQ in Sunday paper*
ALL Crest 3D Whitestrips - Save $10
Pantene shampoo, conditioner 12.6 oz or styler 5.7-8.5 oz. Limit 4 2/$7
*$1 MQ in Sunday paper*
ALL CoverGirl face, eye, lip or Outlast nail. Limit 6
Secret antiperspirant/deodorant (excludes twin pk.) Limit 2
Front/Back page Sales
Pepsi 12 oz cans 12 pk. Plus deposity where required. Limit 4 (12 pas.) 2/$7
24 Pack Purified Water 16.9 oz bottles. Plus deposity where required. Limit 3 $2.44Your choice $9.99 Limit 2: Bounty paper towels 12 pk., Charmin Ultra Strong or Ultra Soft double rolls 16 pk. Tide or Gain liquid 19-32 loads. $5.94 Limit 3Hershey's Easter assorted 8-10 oz 2/$5
Gold Emblem mixed nuts 8.75 oz, cashews 8.25-10.5 oz or Emerald almonds 11 oz. Limit 4
Dawn 9 oz. Limit 7
Rice Krispies treats 8 ct., select Kellogg's cereal 8.7-13.7 oz or pop-tarts 8 ct. 2/$4
$1/2 at the ExtraCare Coupon Center Limit 1
Pepsi 2 liter bottle. Plus deposit where required. $.99 Limit 5
Mars Chocolate, Wrigley's, Unreal singles or Necco wafers 1.08-2.17 oz. Limit 6
TRESemme 32 oz or styler 8-11 oz. 3/$10 Limit 3 BOGO
Nature's Bounty, Flex-a-min or Osteo Bi-Flex Limit 6
Rembrandt, Listerine paste 2.6-4.2 oz. or Listerine Whitening rinse 32 oz.
Nature Made value sizes 80-500 ct,
CVS Letter Vitamins 50-500 ct. coQ-s0, fish Oil or Red Yeast Rice
All Schiff or Cosamin
All Osteo Bi-Fex. Limit 6
CVS acid controllers or reducers
ALL CVS batteries
Arm & Hammer liquid 25-32 loads, Crystal Burst paks 16 ct., total dryer cloths 40 ct., Purex 25-33 loads, UltraPacks 18 ct. or Crystals softener 32 loads
Flipz 7.5 or Planters Trail Mix 6 oz.
BOGO50
Oral-B Pulsar, Cross Action power, adult manual toothbrush 1 ct. refill 2 ct., Satin, Ultra or SuperFloss
All Rimmel cosmetics
Plus $1 instant coupon for beauty club members only
Neutrogena grapefruit or bluse line cleansers
Plus $2 instant coupon for beauty club members only
Designer fragrances with a regular retail of $12.99 & up
ALL John Frieda hair care
Conair hairbrushes, mirrors, shower caps or rollers
ALL Schick disposable razors
Sensodyne 3.4-4.3 oz or twin pk. 8 oz total
Select migraine relief products 8-200 ct.
ALL CVS bandages, antibiotic, bacitracin creams, ointments, wound care gauze or pads.
ALL CVS stop smoking aids
ALL Tums or Gas-X
Citrucel caplets 100 ct., powder 16.9-30 oz, Colace or Senokot 10-60 ct.
ALL Boost
Candle-lite frangranced 3-layer jar candle 19 oz.
Caliber envelopes, notebooks, filler paper or pads
Secret antiperspirant/deodorant (excludes twin pk.) Limit 2
CVS allergy relief
Additional Sale Items
Fixodent 2-2.7 oz. $3.99
*MQ in Sunday paper*
Gillette Venus razor 1 ct. or cartiridges 4-8 ct.
*$3 MQ wyb BOTH razor AND cartridges*
Gillette disposable razors 2-12 ct.
*$2 MQ in Sunday paper*
Old Spice, Gillette body wash 16 oz or Ivory bar 10 pk. $3.99
*$1 MQ in Sunday paper*
Always Infinity/Radiant pas 24-36 ct. Radiant liners 128 ct., Radiant liners 128 ct. or Tampax Pearl/Radiant 32-40 ct. 2/$14
*$2.50/2 MQ in Sunday paper*
Always pads 20-48 ct. or dri-liners 60-80 ct. (excludes Always Infinity and Radiant). $5.49
*$.50 MQ in Sunday paper*
Pampers Super Pack $24.99
Cascade gel, powder 75 oz or ActionPacs 16-20 ct. $4.99
Downy liquid 44-51 oz or Bounce sheets 120 ct. $5.99
Duracell alkaline AAA, AA 4 pk., C, D 2 pk. or 9-volt 1 pk. 2/$7
Jergens Natural Glow $8.99
*MQ in Sunday paper*
Jergens 16.8-21 oz, Curel 13 oz, Biore cleanser 4.5-6.77 oz, towelettes 30 ct. or pore strips 6-8 ct. $6.99
*MQ in Sunday paper*
All Garnier Nutrisse hair color or Nourishing color Foam $6.99
*MQ in Sunday paper*
L'Oreal Advanced shampoo, conditioner 25.4 oz or treatment 3.4-8.5 oz. $5.99
Garnier Olia hair color $8.99
*MQ in Sunday paper*
L'Oreal Afvanced shampoo or conditioner 12.6 oz.
VO5 shampoo or conditioner 15 oz. $.82
Fructis shampoo, conditioner 13 oz or stylers 2-8.5 oz.
*MQ in Sunday paper*
Aleve 80-100 ct, (excludes liquid gels 80 ct.) $8.99
Optive or Refresh eye drops 0.5 oz, singles 30 ct.
Tena pads 30-56 ct., male guards 48 ct., women's or men's underwear 16-18 ct.
Allegra 24-hr. 30 ct., Allegra-D 12-hr. 20 ct. or 24-hr. 15 ct. $17.99
Mucinex Fast-Max 20 ct. or liquid 6 oz. $10.99
Select weight loss supplements $19.99
Claritin 24-hr., 12-hr. RediTabs or 12-hr Claritin-D 30 ct. $19.99
*$5 MQ in Sunday paper*
Zytec 70 ct. $34.99
*$10 MQ in Sunday paper*
Select Ocuvite items $9.99
*$3 MQ in Sunday paper*
CVS Lansoprazole or Omeprazole 42 ct. 2/$30
Bengay ultra, zero degrees, cold therapy or pain relief+massage 3-4 oz. $8.99
*$4 MQ in Sunday paper*
Febreze 27 oz. $4.99
*$1 MQ in Sunday paper*
Swiffer Sweeper dry 32 ct., wet 24 ct., Dusters refills 10 ct. or Dusters kit. $7.49
Febreze AIR effects 9.7 oz, candle 3.5 oz, car vent clip or Set & Refresh air freshener 1 ct. $2.99
*MQ in Sunday paper*
Tropicana 59 oz. 2/$6
Maxwell House Wake Up Roast coffee 30.65 oz. $6.49
Poland Spring water 3 ;oter or Gerber purified water 1 gallon. $1
Jiff peanut butter 18 oz, Smucker's preserrves 18 oz or Go Go Squeez applesauce 4 ct. 2/$6
Gold Emblem roasted or party peanuts 16 oz. 2/$6
Doritos 10.5-11.5 oz (excludes Baked) or Munchies 8 oz. 2/$6
Bumble Bee tuna in water 5 oz. 4/$5
Aussie or Herbal Essences 10.1-13.5 oz. or styler 6-14 oz. 2/$7
*$1 MQ in Sunday paper*
*$1/2 at the ExtraCare Coupon Center*
--------------------------------------------------------------------------------
thx sd to 1dollarorless & rydergal;
http://www.mycokerewards.com/Kroger
Where can I find My Coke Rewards Codes?
There are lots of ways to refreshand reward yourself. Most Coca-Cola brands are participating now Coke, Diet Coke, Coca-Cola Zero, Sprite, Fanta, DASANI, POWERADE, Minute Maid, Pibb, Fresca, Barq's, Mello Yello, Seagram's, and FUZE. On 12-Pack Fridgepacks, its inside the tear-off flap. On shrink-wrapped cases, its inside the shrink wrap on the bottom of the carton. Not all of our packages have codes, so look for the My Coke Rewards logo before your buy just to be sure.
http://www.mycokerewards.com/Kroger
Where can I find My Coke Rewards Codes?
There are lots of ways to refreshand reward yourself. Most Coca-Cola brands are participating now Coke, Diet Coke, Coca-Cola Zero, Sprite, Fanta, DASANI, POWERADE, Minute Maid, Pibb, Fresca, Barq's, Mello Yello, Seagram's, and FUZE. On 12-Pack Fridgepacks, its inside the tear-off flap. On shrink-wrapped cases, its inside the shrink wrap on the bottom of the carton. Not all of our packages have codes, so look for the My Coke Rewards logo before your buy just to be sure.
Hedge Fund Manager Ray Dalio, Standardizing Risk Over Asset Classes
Added on : Tuesday February 12th 2013 09:01:06 PM
It's been a while since I've been on here.Had a question for some of the very smart finance guys on here.
I've sort of had a lukewarm reception to Ray Dalio since he became one of the anointed financial guru's given the fact that he runs the largest hedge fund in the world Bridgewater($122 Billion AUM). It's hard not to respect the guy that manages that kind of money, but he always comes off as a bit too much like a simpleton relative to the other financial giants out there.That said I know his strength has always been correlation. Many people believe he is the worlds expert on the variability of correlation of asset classes over time(which is definitely the subject matter that will get endowments and pension funds to take notice because they need stability more than anything else).Basically, he claims his 'great' revelation in the 90's is that once you standardize all asset classes(stocks, bonds, commodities, etc.) by risk the return vs. risk profile converges on asset classes. Example: He thinks that the main reason why equities have returned more than bonds historically is because most companies are already leveraged 2 to 1 or more which causes their revenue streams to be leveraged as well creating amplified returns(this explanation seems to ignore operational leverage, the fact that equity is subordinated to creditors, and that earnings grow over time while fixed debt is contractually a stagnant stream...but whatever nice additional food for thought on Ray's part I guess). This standardization of risk(which he calls 'risk parity') is largely categorized by the relatively simple return = cash rate + beta + alpha method of theorizing returns. Makes sense.
Here's the problem I'm having because this all seems to make sense theoretically. And maybe I'm just missing something here, but how is it possible to actually standardize the risk of asset classes in a portfolio in practice. See his example is that if your long 50% equities and 50% bonds in a portfolio he would say that equities represent about 80% of your risk and bonds represent only 20% of your risk. Okay fair enough. The obvious theoretical solution if you wanted to bring the bonds up to some concept of risk parity with equities would be to lever the bonds and hedge the equity positions. But in practice it doesn't seem to me to work that way. For example if I want to lever up the bonds by double I could go out on margin I could do that, but the leverage will apply to the overall portfolio not to the specific asset class I want to have it. I.e. after your done I would argue you don't have 50% equities with no margin and 50% bonds levered up 2 to 1 meaning that you have 40% risk in bonds and 60% risk in equities(according to Dalio's theory) instead you still have a portfolio of 80% risk from equities 20% risk from bonds levered 3/2. Now instead you could say well I'm going to get bond beta some other way. I could buy already leveraged bond portfolios, but...
A) That subjects yourself to yield curve risk
B) You would be forced into buying leveraged high yield fixed income because otherwise if it was also an ultra safe bond asset(the kind that he would prefer in case of a deflationary environment like a treasury) the cost to carry the leverage would significantly eat into it's cash flow
C) By extension you would be taking on higher default risk which would be more correlated to equities during market downturns which is precisely the thing he wants avoid by having non correlation between his asset classesYou could also achieve higher bond beta by going longer duration and go zero coupon like a zero coupon 30 year treasury. That would seem to help a bit, but again...
A) You expose yourself to yield curve risk.You could go higher yield to get beta, but again:
A) You would be taking on higher default risk which would be more correlated to equities during market downturns which is precisely the thing he wants avoid by having non correlation between his asset classes.
So his central theory is that he has disproven the notion that diversification over asset classes automatically comes with reduced returns associated with portfolios that have lower risk/lower return asset classes because somehow he can magically convert one asset class into risk parity with another one. I just don't see how you can actually do that in practice. What am I missing?
Walgreens 2/24 3/2 weekly dealsFARR:Arctic Naturals Dailey Omega 3 (60 ct) softgels WIC 415682 - $10 get $10 RREnergize energy tabs (28 ct) WIC 228011 - $8 get $8 RRCuracaine Rapid Act topical anesthetic cream (1 oz) WIC 219962 - $7 get $7 RRNatrol Melatonin Time Release 5 mg (100 ct) tabs WIC 534314 - $4 get $4 RR
Other RR deals:Colgate Max Fresh (6 oz) or 2in1 (4.6 oz) - $3.49 get $3 RR
$.50 mq in Sunday 2/24 paper
Loyalty point offers:Buy $30 or more participating Pediasure, Nuk, or Similac products get 3,000 points (monthly deal)
Similac Adv. Complete Nutrition (168 oz) - $23.99Buy 2 participating Sudafed, Tylenol, Zyrtec, Benadryl, Wal-Zyr, Wal-itin, Wal-Tap, Wal-Fex, Walgreens cough/cold or Walgreens nasal strips get 3,000 points (monthly deal)
Zyrtec (25 ct) - $18.99 on 2/24Buy participating SC Johnson or Kimberly Clark products Buy $15 get 3,000 points (monthly deal)
Fantastik cleaner (32 oz) 2/$5 on 2/24
Glade candle (4 oz) - $3 on 2/24
Scrubbing Bubbles bath cleaner (16 oz), Mega Shower Foamer (20 oz) or Foaming Kitchen aerosol (11 oz) 2/$5 on 2/24
Shout liquid (22 oz) 2/$5 on 2/24
Windex (26 oz), wipes, Antibacterial (26 oz) 2/$5 on 2/24Buy 2 participating Robitussin, Advil or Dimetapp products get 3,000 points
Advil Congestion Relief (10 ct) tabs - $4.99
Dimetapp (4 oz) - $4.99
Robitussin (4 oz) or (20 ct) - $4.99Aleve or Alka-Seltzer products Buy 2 get 4,000 points (monthly deal)
Aleve (100 ct) caps - $8.99 on 2/24
Aleve (80 ct) liquigels - $11.99 on 2/24Allegra products Buy 2 participating get 5,000 points (monthly deal)
24 HR tabs (30 ct w/7 free) - $17.99 on 2/24Aveeno products Buy $20 participating get 5,000 points items BOGO 50% on 2/24 (monthly deal)
Lotion tube (2.5 oz) - $3.29
Bar (3.5 oz) - $3.49
Soothing Baby bath (3.75 oz) - $5.99
Body wash (12 oz) - $6.79
Lotion (8 oz) - $7.29
Shampoo (10.5 oz) - $7.49
Sting Relief diaper rash cream (3.7 oz) - $7.49
Daily scrub, make-up removal wipes or Daily pads - $7.99 - $9.99
Baby Eczema cream (5 oz0 - $9.49Centrum or Caltrate products Buy 2 participating get 2,000 points items BOGO 50%
Centrum (200 ct) - $13.99
Silver w/Lycopene (150 ct) - $14.99
Centrum Ultra (200 ct) - $18.99
Pro Nutrients Fruit/Veg, Omega 3 (100 ct) - $19.99Claritin 10mg (40 ct) or 24HR (45 w/15 free) - $24.99 get 2,000 pointsClorox products 2/$5 Buy 2 participating get 1,000 points
Clorox wipes, toilet bowl cleaner, Disinfecting bath cleanser (30 oz)
Formula 409 cleaner (32 oz)
Pine Sol All Purpose claner (24 oz)
Tilex Fresh Shower (32 oz)Colgate toothbrushes Buy $5 get 3,000 points
Max Fresh or Max White - $3.59
Total - $3.99
360 Optic White or Surround - $4.99Cover Girl eye cosmetics Buy 1 get 750 or Buy 2 get 2,000 points items BOGO 50% on 2/24 (monthly deal)
Lash Blast mascara - $8.99Crest or Oral-B products Buy $10 get 4,000 points
Whitening rinse 3D White (8 oz) - $3.99
3D White (4 oz) - $3.99 - $4.79
3D White (5.8 oz) - $4.99 - $5.29
3D White Arctic Fresh (473 ml) - $5.99
3D White rinse (32 oz) - $7.49
3D White Vivid (5.8 oz) 2 ct - $8.29
Oral-B Pulsar 3D White toothbrush - $6.99Dove or Degree - $6.99 Buy 1 get 1,000 points
Degree Clinical
Dove A/P deodorant (2.6 oz) 2 count
Dove ClinicalDr. Scholls Buy 2 participating get 2,000 points 25% off
Ultimate thin corn removal - $4.11
Ultimate corn cushion (6 ct) or Odor Destroy powder - $4.49
Hidden Arch support - $5.24
For Her heel liner (3 ct) - $5.99
Tri-Comfort inserts - $8.24
Wart pen - $9.74
Freeze Away wart removal - $11.99
Massaging gel insole - $11.99 - $13.49Energizer batteries $5.99 - Buy 2 get 1,500 pointsEnsure or Glucerna products Buy 3 participating get 2,000 points
Ensure shake (14 oz) 4 ct or (8 oz) 6 ct 2/$16
Glucerna Shake (11 oz) 4 ct 2/$16
$3/2 mq in Sunday 2/24 paperFinest Nutrition Buy 3 participating get 3,000 points
Cheaper items:
Papaya & Enzyme (100 ct) tabs - $4.99
Garlic Odorless 100 mg (100 ct) softgel - $5.49Huggies Buy 2 participating get 2,000 points
Little Movers - $8.99Jelly beans 2/$4 Buy 2 get 250 points Nice, Sweetarts, LifeSaver, Starburst, FerraraJergens Natural Glow products Buy $10 get 2,000 points (3/2 SaturDate) (monthly deal)Kotex products Buy 2 get 1,000 points items BOGO 50% on 2/24 (monthly deal)Living Solutions small appliances Buy 1 get 1,000 pointsBuy 3 Listerine or Reach products get 3,000 points
Listerine Total Care Plus Whitening or Whitening Plus Restore (16 oz) - $5.49
$1 mq in Sunday 2/24 paper
Listerine Total Care, Zero, Ultra Clean Arctic, mint, or Citrus (33.8 oz/1L) - $5.49 ($2 off)
$1 mq in Sunday 2/24 paperMaybelline products Buy 2 participating get 1,000 points items BOGO 50% on 2/24 (monthly deal)
Eye pencil - $4.29
Baby Lips (.15 oz) - $3.99
Eye shadow - $4.29 - $5.49
Expert Wear products - $6.49 - $8.79
Great Lash mascara - $5.99 - $6.79
Pressed powder - $6.49Mucinex, Delsym or Cepacol products Buy 2 participating get 3,000 points (monthly deal)
Mucinex Fast Max (20 ct) caps - $10.99Nabisco or Post breakfast products Buy 4 get 1,000 points
Nabisco Belvita 2/$5
Nabisco Oreos 2/$6
Post cereal 2/$5Natures Bounty products Buy 2 participating get 2,000 pointsNature Made products Buy 3 participating get 3,000 points items BOGO 50%Neutrogena skin care products Buy 2 get 3,000 points Items 25% off on 2/24 (monthly deal)Nexxus hair care products Buy 2 get 2,000 points Items BOGO 50%
Mouse Plus (2 oz) - $2.99
Shampoo or conditioning products - $10.49 - $16.99
Styling products - $13.99Nice ripe black olives (6 oz) - $.99 Buy 5 get 250 pointsOsteo products Buy $30 participating get 5,000 points items BOGO 50%
Omega 3 (120 ct) softgel, Bi-Flex (80 120 ct) - $29.99
Bi-Flex Joint & Muscle (74 ct) - $30.99Palmolive, Scotch Brite or Suavitel Buy $5 get 500 points
Palmolive (10 oz) dish soap - $.99
Scotch Brite scouring pad (3 ct) BOGO at $3.49
Scotch Brite Kitchen sponge (3 ct) BOGO at $3.79
Suavitel fabric softener BOGO at $2.99Pepsi (12 pk) 3/$10Pure Life products Buy $20 participating get 5,000 points items $15.74 - $22.29Purell products Buy $5 participating get 1,000 points (monthly deal)
Advance Jelly Wrap (1 oz) ast 4/$5
$1/3 mq in Sunday 2/24 paperPrevacid 24HR (42 ct) - $25.99 get 3,000 pointsRevlon products Buy $15 participating products get 2,000 points BOGO 50% on 2/24 (monthly deal)
Nail enamel - $4.99
Brow Fantasy products - $8.49
Color Burst lipgloss - $7.79
Color Stay products - $8.79 - $12.99Schick Hydro products Buy $20 get 5,000 points (monthly deal)
Hydro 5, Hydro Men disposable razor (3 ct), Hydro 3, Hydro 3-blade system w/2 cartridge, Hydro Power Select - $8.99
Hydro women disposable razor (3 ct) - $9.99
Hydro Silk cartridge (4 ct) or Silk razor - $9.99Speed Stick or Lady Speed Stick 2/$5 Buy 2 get 2,000 pointsSystane products Buy 2 participating get 2,000 points
Eye drops, lid wipes - $11.49Vicks products Buy 1 participating get 1,000 points
Nyquil or Dayquil (48 ct) - $10.99
Vicks combo - $10.99Vitafusion or One-A-Day Buy 2 get 2,000 points items BOGO 50%
One-A-Day Vitacraves gummies or Gummies for Her or For Him (50 ct) - $9.99
One-A-Day Vitacraves gummies (100 ct) - $17.99
Vitafusion prices start at $9.99Zegerid (42 ct) caps - $22.99 get 3,000 points
$6 mq in Sunday 2/24 paperOther sale items:Advil (100 ct) tabs - $7.99 ($2 off)All 2X (50 oz) or Snuggle (80 ct) - $3.99Carefree or Stayfree BOGO 50% (inc. Carefree liner for $1.59)Cover Girl BOGO 50%Digiorno pizza 2/$10Excedrin BOGO 50%General Mills Nature Valley or Fiber One bars 2/$4General Mills cereal 2/$5
$1/2 IVC in March bookGillette Mach3 disposable, Custom Plus3, Series shave gel, Venus disposable, Sensor3 BOGO 50%Head & Shoulders - $6.49 and BOGO 50%Kleenex facial tissue BOGO at $2.29Nice distilled water (1 gl) or purified water (128 oz) - $.79Nice purified water (24 ct) - $2.49Nice storage or sandwich bags - $.99Nice designer plates, cups or bowls or Sunny Smile heavy duty plates 2/$3Nice drawstring, Wing Tie or Tuf twist tall kitchen or trash bags - $2.99Nice mixed nuts, roasted peanuts, cashews 2/$4Ponds skin care BOGOProgresso soup 4/$5Schiff Mega Red Omega 3 Krill (60 ct) or Joint (30 ct) - $14.99Walgreens aspirin, pain reliever, ibuprofen BOGO 50%Werthers original, Lifesavers, Starburst, Skittles or Riesen BOGO at $2.29Fillers:Scotch mailers - $.39Russell Stover Easter candy - $.39Nestle candy bars, Wonka Nerds, Sweetarts - $.39Sunny Smile big toll bath tissue or paper towel 10/$5Wrigley (14 ct) or Eclipse (18 ct) - $.69
--------------------------------------------------------------------------------
thanks pwcpal;sd 02-09-2013 at 11:40 AM..
Boscovs.com Men's Zero Xposur Mid Weight Jacket Price: $120.00 Now! $29.99
Added on : Saturday February 02nd 2013 09:00:02 PM
Text
http://www.boscovs.comMen | Outerwear for Him | Active OuterwearZero Xposur Mid Weight Jacket

Mid weight jacket features multiple interior/exterior pockets with warming liner, adjustable hood/cuffs, outer layer maximizes moisture movement for a fast dry, inner layer increases warmth and minimizes weight and has adjustable drawcord and hem. 100% Polyester. Machine wash. Sizes: M-2XL. Limit 1 per Customer.
Item:# 160833
Price: $120.00 Now! $29.99
$8.95 shipping
f/s wyb $50 or more Color Size Quantity- Select -BLACKSILVER ICE- Select -LGEMEDXLGXXLTextZero Xposur Systems Jacket
.
Zero Xposur systems full zip jacket features: Detachable fleece hood, 4 exterior pockets with zip closure, outer layer maximizes moisture movement for a fast dry, inner layer increased warmth and minimizes weight. Wear the outer shell only, inner shell only or both for for 3 different stylish looks. 100% Polyester. Machine wash. Available in Silver Ice and Steel. Sizes M-XXL.Item:# 48428Price: $180.00
Now! $59.99
Boscov's Coupons
AMC Theatres - Offers for Oscar Nominated Films
Added on : Friday February 01st 2013 06:00:02 PM
BOGO FREE ticket to see Django Unchained - info here
Valid only 2/3BOGO FREE ticket to see Beasts of the Southern Wild - info here
Valid 2/11-2/12Military Priced Ticket for all to see Zero Dark Thirty - $1.50 off an adult ticket after 4PM - info here
Valid 2/15 - 2/16$5 to see Lincoln - info here
Valid only 2/17 - 2/18That was all the ticket offers, now the Snack offersFREE Small Fountain Drink w/ Argo ticket purchase - info here
Valid 2/5 -2/6FREE Cheese Pizza w/ Life of PI ticket purchase - info here
Valid 2/7-2/8FREE Small Popcorn w/ Silver Linings Playbook ticket purchase - info here
Valid 2/9-2/10FREE French Fries w/ Les Miserables ticket purchase - info here
Valid 2/13 - 2/14FREE Light Snack Combo w/ Amour ticket purchase - info here
Valid 2/19-2/20
FREE 20 oz Coke Product on Super Bowl Sunday 2/3 - 1st 50,000 MCR Members
Added on : Thursday January 31st 2013 11:00:40 PM
During the Super Bowl on Sunday, February 3rd watch for this commercial (Link goes to YouTube) during the FIRST HALF of the Super Bowl that will ask people to vote on the ending. The first 50,000 people to vote here will get a FREE 20oz Coke, Diet Coke or Coke Zero You will need to make sure that you are logged into your MCR (My Coke Rewards) account. If you are not a member you can sign up here at Mycokerewards.com. Please post as soon as this goes live, once you see commercial, if you can, to let others know.
FARR:
Walgreens Deal
Buy (1) Listerine Whitening Rinse 16oz $3.99
(1) $2/1 LISTERINE WHITENING Product www.coupons.com (Zip 33033)
= $1.99, Get $2 Register Rewards
TOTAL = FREE Listerine!!
a fabulous coupon some of you will get in your SmartSource inserts this upcoming week 2/3. There is a Walgreens coupon for FREE Poise Body Cooling Towlettes 20ct. It states one coupon per customer but this is a little unusual because ordinarily Walgreens coupons take off for multiples in one order. However, it seems crazy to me that that would be the case with this coupon.thx christie at wfw for two item aboveAzo Cranberry (100 ct) softgel WIC 446516 - $9.99 get $10 RRCulturelle Digestive (30 ct), Culturelle For Kids probiotic (30 ct) packet or Culturelle Kids chewable probiotc (30 ct) - $10 get $10 RR
Answers at Wags digestive health booklet - $1 off any Culturelle product (5/1/13) mqSheets Energy strips (8 ct) mint - $3.99 get $4 RR (Berry Blast listed at $3.99, may be included)Thermacare Heat Wrap Back L/XL WIC 169264 - $2.99 get $3 RROther RR items:Claritin 10 mg Liquigels (40 ct) or 24 HR 10 mg (45 ct w/15 free) - $26.99 get $4 RR
$6 mq in Sunday 2/3 paperColgate Total Gum Defense or Total Advanced (4 oz) or Max Fresh Intense (6 oz) or Max Fresh toothbrush - $2.99 get $2 RRPlaytex Gentle Glide (36 ct) or Sport tampon (36 ct) - $6.99 get $2 RR
Loyalty point offers:Buy participating Aleve, Centrum, Caltrate, Osteo Bi-Flex, Natures Bounty, Sundown, Ester-C, Glucerna, Ensure, Depends or Poise products Buy $20 get 5,000 or Buy $30 get 10,000 points (monthly deal)
Aleve (50 ct) caps or tabs - $5.99 on 1/27
Aleve liquid gel (40 ct) - $7.99 on 1/27
Centrum Silver (100 125 ct), ProNutrients (50 - 100 ct) - $11.99 and BOGO 50% on 1/27 & 2/3
Depends or Poise - $11.99 on 1/27
Disney Toy Story Gummy vitamin (60 ct) - $6.99 and BOGO 50%
Ensure - $7.99 on
Ester-C products BOGO 50% - cheapest is gummies (60 ct) at $6.99
Glucerna shake (11 oz) 4 ct - $7.99 on 1/27
Mq in Sunday 1/27 paper
Natures Bounty BOGO 50% on 2/3
Osteo Bi-Flex products BOGO 50%
Sundown products BOGO 50% - Vitamin D 1000IU (100 ct) - $5.99Buy participating Curel, Jergens, Lubriderm, Eucerin, Gold Bond, Aveeno or W Dry Skin lotion Buy $10 get 2,000 or Buy $20 get 5,000 points (monthly deal)
Aveeno lotion tube (2.5 oz) - $3.29 and BOGO 50% on 1/27
Aveeno bar (3.5 oz) - $3.49 and BOGO 50% on 1/27
Aveeno lotion (12 oz) - $8.99
Eucerin hand crme (2.7 oz) or (2 oz) cream tube - $5.49 and BOGO 50% on 1/27
Gold Bond Ultimate Healing or Moisturizing X/S lotion (14 oz) - $7.99 on 2/3
$2 mq in Sunday 2/3 paper
Jergens Daily lotion (21 oz) - $7.29
Lubiderm Advanced Therapy lotion (16 oz) - $7.99Buy participating Robitussin, Dimetapp, Advil, Campbells, Emergen-C, Lysol or Nice products Buy $10 get 2,000 (monthly deal)
Advil Allergy & Congestion or Congestion Relief (10 ct) - $5 on 1/27
Advil Infant drops (.5 oz) - $5.99 and BOGO 50% on 1/27
Advil liquid Children (4 oz) - $6.99 and BOGO 50% on 1/27
Dimetapp DM cough (4 oz) - $5 on 1/27
$1 mq in Sunday 1/27 paper
Lysol Disinfecting spray (12.5 oz) - $3.99 on 2/3
Robitussin (20 ct) or (4 oz) - $5 on 1/27Buy participating Schick, Skintimate, K-Y, Listerine, Rembrandt, Revlon, or Body Fantasies products Buy $10 get 1,000 or Buy $20 get 3,000 points (monthly deal)
Body Fantasies mist (8 oz) 2/$10
Edge shave gel - $3.29 and BOGO 50% on 2/3
K-Y Yours + Mine - $14.99 Lists a free $25 restaurant.com offer
$4 mq in Sunday 2/3 paper
K-Y Intense gel - $24.99
$4 mq in Sunday 2/3 paper
Listerine Pocket Packs (72 ct) - $2.99
Rembrandt (3 oz) toothpaste - $4.99
Revlon Color Burst lip gloss - $7.49 or lip butter - $7.99 and BOGO 50% on 1/27
Schick Hydro shave gel (8.4 oz) - $3.99 and BOGO 50% on 2/3
Schick Slim Trim disposable razor (12 ct) - $8.49 and BOGO 50% on 2/3
Schick Quattro disposable women (3 ct) - $9.99 and BOGO 50% on 2/3
Schick Xtreme3 disposable (4 ct) - $8.99 and BOGO 50% on 2/3
Skintimate shave gel - $3.49 and BOGO 50% on 2/3Advil or Thermacare products Buy 2 get 1,000 or Buy 3 or more get 2,000 points (monthly deal)
Advil Liqui-gel (160 ct), (200 ct) tablets or PM (120 ct) caplets - $12.99 on 2/3
Thermacare (2 ct) - $6.99 and BOGO 50% on 1/27
$1 mq in Sunday 1/27 paperBlink Tears lubricating drops (.5 oz) or For Contacts or gel Tear drops (.34 oz) - $5.99 Buy 1 get 1,000 pointsComplete Multipurpose solution (12 oz) or Blink-N-Clean drops (15 ml) - $5.99 Buy 1 get 1,000 pointsDove or Caress bar soap 4/$5 Buy 4 get 1,000 pointsFinest Nutrition vitamins & supplements Buy 3 get 3,000 points items BOGO 50% (monthly deal)
Iron 28 mg (100 ct), B12 (2 oz) 2 count, Papaya & Enzyme (100 ct) or Vitamin C 500 mg (100 ct) - $4.99Garnier products Buy $15 get 3,000 points
Towelette (25 ct) - $5.99
Cleanser - $7.79
Skin products - $12.99Gillette products Buy $20 get 3,000 points (monthly deal)
Fusion Proglide razor - $9.99 on 1/27 & 2/3
Fusion Proglide trimmer system with cartridge - $9.99 on 1/27 & 2/3
Fusion Proglide (4 ct) cartridge - $18.99
Venus w/Olay razor - $9.99
Cartridges in 1/27 bonus buys
Fusion Proglide Silver Touch razor, manual or power at $9.99
Mq in Sunday 1/27 paper
Series shave gel (7 oz) - $2.99 and BOGO 50% on 1/27
Disposable razors listed BOGO 50%, but do not show the point offer. Need to check on 1/27 to see if included
Mach3 razors listed as well, but without points. Another item to check on 1/27Glade Buy 3 participating products get 2,000 points (monthly deal) items 25% off on 2/3
Carpet & Room (32 oz) or Tough Odor spray (9.7 oz) - $2.39
Plug-In or candle Scented Oil refill or candle - $2.84
Dcor Scents (.28 oz) or Expression refill (7 oz) - $2.99
Expression (7 oz) - $3.36
Plug-In warmer (.67 oz) - $3.74
Scented Oil candle holder w/3 refills - $4.11
Plug-In Scented Oil refill or LI refill (2 ct) - $4.49
Lasting Impressions (1.34 oz) or Sense & Spray - $7.49
Auto spray kit - $9.74Hallmark Buy $20 get 2,500 points
Lists Valentines bags - $.99 to $4.99Hefty Cinchsak (45 ct) Kitchen, (28 ct) Trash or (18 ct) Lawn & Leaf - $5.99 Buy 1 get 1,000 pointsHerball Essences or Aussie products 2/$5 Buy 2 get 1,000 pointsHersheys King Size bars 3/$3 Buy 2 get 500 pointsKelloggs 2/$5 Buy 4 get 1,000 points
Special K, Frosted Mini Wheats, Crunch Nut, Raison Bran Crunch, Fun Pak (8 ct), Smart Start, Nutra Grain bars, Fiber Plus,Lindt, Ghiradelli, Ritter or Green & Black bars 2/$4 - Buy 2 get 100 pointsLiving Solutions appliances Buy 1 get 1,000 points items 20% offLOreal Color Riche lip, nail or eye products $5.99 - $9.49 and BOGO 50% - Buy $15 get 3,000Method products Buy 2 get 1,000 points items 25% off
Dish pump (18 oz) - $2.99
Glass & Surface or A/P spray cleaner (28 oz) - $3.36
Wood cleaner (25 oz) - $4.86
Detergent 25 load - $6.74Mucinex, Delsym, or Cepacol products Buy 2 get 4,000 points (monthly deal)
Delsym adult (4 oz) - $11.99 and BOGO 50% on 2/3
Mucinex Child cough Melts (12 ct) - $8.99 on 2/3
Mucinex ER tabs (20 ct) - $10.99 on 1/27Nestle or Butterfinger candy bars 2/$1 Buy 4 get 1,000 pointsNice candy $1.99 - Buy 2 participating (13 16 oz) get 100 pointsNice N Easy foam hair color - $7.99 Buy 1 get 1,000 points (monthly deal)Nicoderm or Nicorette - $39.99 Buy 1 get 2,000 pointsNutrisse hair color - $6.99 Buy 1 get 1,000 points
$2/2 mq in Sunday 2/3 paperOlay Total Effects products $18.99 - Buy 2 get 3,000 pointsPure Life products Buy 2 get 5,000 points (monthly deal)
25% offRevitalens Multi-Purpose solution (10 oz) - $5.99 Buy 1 get 1,000 pointsRobitussin (8 oz) - $7.99, Dimetapp (8 oz) or (20 ct) Advil Congestion Relief products Buy 2 get 4,000 points
Does not appear to DD with monthly deal different sizes, but worth checking.SC Johnson products Buy 3 get 2,000 points items (25% off)
Drano Professional Strength (32 oz) - $4.71
Fantastik (32 oz) - $2.99
Pledge or Pledge wipes - $4.11
Scrubbing Bubbles 1 Step toilet refill (18 oz) - $2.99
Scrubbing Bubbles Fresh Brush refill (12 ct) - $3.36
Scrubbing Bubbles Mega Shower foamer - $3.96
Scrubbing Bubbles 1 Step toilet kit - $7.49
Vanish Drop-In bowl cleaner (1.7 oz) - $1.49
Windex Wipes - $2.99
Windex (26 oz) trigger - $3.21Unilever products Buy $15 get 5,000 points
Hellmans mayo 2/$7
Lipton tea bags (100 ct), Ice tea (10 qt), Cold Brew (22 ct), Decaff tea bags (48 ct), Green tea (40 ct) or Family size (24 ct) - $3
Ragu sauce 2/$4Vicks Nyquil (48 ct) Liquicaps - $10.99 Buy 1 get 1,000 pointsVisical Hair E/S Dietary supplement - $39.99 Buy 1 get 5,000 points (monthly deal)Walgreens Childrens Pain & Fever, thermometers, Childrens Tylenol or Childrens Motrin products Buy 2 get 2,000 points (monthly deal)
Walgreens Pain/Fever Child (30 ct) - $3.99 and BOGO 50% on 2/3
Walgreens Pain/Fever Jr (24 ct) - $4.99 and BOGO 50% on 2/3
Wal-Tap Child cough/cold (4 oz) - $4.99 and BOGO 50% on 2/3
Walgreens Pain/Fever 160 mg (1 oz) - $5.49 and BOGO 50% on 2/3
Walgreens Ibuprofen 100 Child (4 oz) - $5.99 and BOGO 50% on 2/3Walgreens TrueTest BG test strips (25 ct) - $19.99 Buy 1 get 1,000 pointsWindex and Scrubbing Bubbles Buy 2 get 1,500 points need to check for DD with SC Johnson, only item listed with this deal is:
Windex Touch-Up kitchen or bath cleaner - $3.49Wrigley or Extra products (3 pk) 2/$4 Buy 2 get 250 points
Other Sale items:7-Up, Canada Dry, A&W, Sunkist or Hawaiian Punch (2L) - $.99Bayer aspirin 81 mg (300 ct) - $12.99 ($3 off)
Bayer 325 mg (200 ct) - $8.99 ($3 off)
Bayer Extra Strength tabs (80 ct) - $8.49 ($3 off)Biscoff snack pack, Sunshine Cheez-It (4.5 oz), Royal Dansk cookies (3.5 oz), Nabisco cookies or crackers (3.8 6 oz) or Kelloggs Rick Krispie Treat - $.99Campbells Chunky - $1.69Coke, Sprite, Sprite Zero, Dr. Pepper, diet Coke (12 pk) 1 day sale 3/$10 3/$12 the rest of the week.Cosmetics BOGO 50% - Maybelline, LOreal, Neutrogena
$3 IVC Neutrogena Skin Clearing or Shine Control productsCrest Whitening Baking Soda Peroxide, regular or T/C (6.4 oz), Crest Kids toothbrush or Oral-B Indicator or Stages - $1.99Dial body wash (16 oz) BOGO at $5.49Foster Grant readers BOGO at $9.99 - $24.99Frito Lay chips, Doritos or Tostitos 1 day sale - $1.99 (2/$6 rest of the week)Garnier Fructus products - $3.49
$1 mq in Sunday 2/3 paperGold Bond lotions BOGO 50% (doesnt list any with monthly point offer)Kleenex or Puffs - $.99Mentos or Wrigley gum or Altoids or Tic Tac - $.99Neosporin, Cortizone, Cortaid, Band-Aid, J&J First Aid BOGO 50%Nice black olives - $.99Nice purified water (24 ct) - $2.49 (1 day sale - $1.99)Reach Total Care Plus Whitening floss (30 yd) - $1.19
Reach Total Care toothbrush - $1.99
Reach Advantage toothbrush - $2.79SoftSoap (7.5 oz) pump - $.99Speedstick or Lady Speedstick A/P - $1.99
$1 mq in Sunday 1/20 paperTheater box candy 3/$3Viva (6 roll) - $5.99
$1 IVC in Feb. bookWalgreens aspirin (100 ct) BOGO at $1.29 more expensive aspirin includedWalgreens ISO alcohol or Hydrogen peroxide BOGO 50%Walgreens nutritional shakes BOGO 50% and on sale - $5.99 and $7.49Yardley bar soap - $.79
Buy One get something:Apple I-Tunes card - $50 Buy 1 get $10 Wags GC
Fillers:Valentine gift sacks 6/$1Valentine wrapped pencil w/eraser topper 3/$1Valentines Mars, Nestle, Necco, Topps, Wonka candy - $.39Nestle or Butterfinger candy bars 2/$1 Buy 4 get 1,000 pointsValentines Palmer (4 oz), Ferrara - $.79Bumble Bee chunk light tuna - $.89
Rebate:Arctic Naturals Daily Omega-3 (60 ct) softgels, Ultimate Omega-3 (60 ct) softgel or Total Omega (60 ct) softgels - $15 get $15 MIR in Feb. bookFlexSure Restorative Joint Health (90 ct) capsules - $20 get $20 MIR in Feb. bookJamieson Natural Eggshell Membrane caps (30 ct) - $20 get $20 MIR in Feb. bookRenew Life Love Your Heart Veggie (90 ct) capsules - $20 get $20 MIR in Feb. bookVirmax T testosterone booster (30 ct) - $20 get $20 MIR in Feb. bookWalgreens True Result BG meter - $14.99 MIR in package also Buy 1 get 1,000 points also earn 10% BONUS if rebate option for Walgreens Gift Card is chosen. rebates (except for the glucose meter) can submitted online at www.walgreensrebates.com
thnx pwcpal/sd
Bon-Ton - 25% off on Regular and Sale prices + FS on $75 - ends 1/31
Added on : Tuesday January 29th 2013 07:00:17 PM
https://www.bonton.com/Online Code: E25OFF27JAN
Free Shipping on orders $75 and over with code: FREESHIP75Discount details for our January Winter Sale & Clearance
Sunday, January 27 - Thursday, January 31, 2013Save an extra 25% on regular and sale price apparel and fine jewelry, accessories, footwear, intimate apparel, maternity, ladies' and men's outerwear and suits, and men's tailored clothing; save an extra 15% on regular and sale price home store and luggage; save an extra 10% on regular and sale price fashion watches, small electrics, health & wellness and toys. How to receive your discount online:After adding items to your shopping bag, proceed to the Checkout.
Enter this code E25OFF27JAN in the Promotion Code box. Click "Apply." (0=zero; letters must be uppercase)
Click "Checkout" to proceed with Billing & Shipping.Your discount will be reflected on valid items immediately after you click "Apply" in the Shopping Bag. See below for exclusions. Offer valid Sunday, January 27 - Thursday, January 31, 2013. Promo code is valid online only and cannot be used in our stores.Excludes Bonus Buys, Door Busters, electronics/Tech Trek, fine watches, fragrance & cosmetics, cause-related merchandise and other charitable items, furniture departments and mattresses, clearance center merchandise, gift cards, Incredible Values, salon products, service departments, special orders, Yellow Dot/Black Dot merchandise, Brahmin, Coach, Columbia, Fossil, Frye, Levi's, Michael Kors, Not Your Daughter's Jeans and Tempur-Pedic.
Bon-Ton Stores Coupons
Warm: Kingston HyperX 3k 120GB SSD $89 @ Amazon f/s
Added on : Tuesday January 29th 2013 03:00:02 AM
Kingston HyperX 3k SSD DriveI was trying to find this drive for a good price for a few months now and came across this on searching today. Sure it isn't as good of a deal as the previous $79 but it is still a good price so I just stated warm in the thread topic. Hopefully this helps someone out.These are actually great drives. sandforce chipset and genuine Intel NAND with incredible specs on the chips and always get great reviews. I have two of these in this PC I am typing on now and have had zero issues with them.
Amazon Coupons
Bon-Ton - 25% off on Regular and Sale prices + FS - ends 1/31
Added on : Monday January 28th 2013 12:00:05 PM
https://www.bonton.com/Online Code: E25OFF27JAN
Free Shipping on any order with code: FREESHIPDiscount details for our January Winter Sale & Clearance
Sunday, January 27 - Thursday, January 31, 2013Save an extra 25% on regular and sale price apparel and fine jewelry, accessories, footwear, intimate apparel, maternity, ladies' and men's outerwear and suits, and men's tailored clothing; save an extra 15% on regular and sale price home store and luggage; save an extra 10% on regular and sale price fashion watches, small electrics, health & wellness and toys. How to receive your discount online:After adding items to your shopping bag, proceed to the Checkout.
Enter this code E25OFF27JAN in the Promotion Code box. Click "Apply." (0=zero; letters must be uppercase)
Click "Checkout" to proceed with Billing & Shipping.Your discount will be reflected on valid items immediately after you click "Apply" in the Shopping Bag. See below for exclusions. Offer valid Sunday, January 27 - Thursday, January 31, 2013. Promo code is valid online only and cannot be used in our stores.Excludes Bonus Buys, Door Busters, electronics/Tech Trek, fine watches, fragrance & cosmetics, cause-related merchandise and other charitable items, furniture departments and mattresses, clearance center merchandise, gift cards, Incredible Values, salon products, service departments, special orders, Yellow Dot/Black Dot merchandise, Brahmin, Coach, Columbia, Fossil, Frye, Levi's, Michael Kors, Not Your Daughter's Jeans and Tempur-Pedic.
Bon-Ton Stores Coupons
Tanga - FREE SHIP on all orders thru 8PM PT
Added on : Saturday January 26th 2013 09:00:07 PM
Only for 2 hours code ZEROSHIP. Can be used sitewidehttps://tanga.com
Tanga Coupons
GUNS:New Frontier Armory Polymer Lower $79+ship @ midwestpx.com
Added on : Thursday January 24th 2013 08:00:05 PM
Just in case you need one...Here ya go...New Frontier Armory Light weight Stripped Polymer AR-15 Lower*Lower will need stock kit and Lower Parts Kit to complete lower before it is ready to fire. (Hammer may need modification for some blow-back operated uppers including some 22LR and 9MM. New Frontier Armory Blowback Hammers will solve any issues customers may have with blowback uppers)
*Lightest most durable composite polymer lower on the market today
*Low maintenance / easy cleaning / scratch resistant
*Accepts all standard MIL SPEC uppers and lower parts
*Can accommodate any brand MIL SPEC LPK upgrade
*"Zero Slop fit eliminates the need for wedges
*Lifetime warranty against any manufacturer defects when used as directed
*100% USA Made lowercredit to abtocmeptb
Link$79.99 w/ Free shipping
Regular $126.00The GG&G MAD (Multiple Aperture Device) BUIS (Back Up Iron Sight) was originally developed to fulfill a request from Naval Surface Warfare for a battle-ready low-profile back up iron sight that provided both a large and small aperture on the same plane and provide co-witness capability with the majority of red dot optics.
The MAD BUIS has four apertures, two of each size (so that rotating the aperture disc in either direction will bring the next size into view). All apertures are on the same plane and are thus zeroed to the same point of impact. For this reason, the MAD is sometimes referred to as a flat top sight or a same plane sight. The aperture disc is knurled for easier manipulation in combat environments. The small aperture diameter is 0.073-inch and the large aperture is 0.199-inch in diameter. Windage adjustments are easily made with the GG&G tactile windage knob.
The MAD body is CNC manufactured from billet 6061 T6 aluminum alloy and Type III hard coat anodized in a non-reflective black mil-spec finish to provide durability. The stem and aperture disc are made from solid billet 4140 steel and have hardened wear points for long service life. All steel components are black manganese phosphated per mil-spec. The sight stem locks in the up position with a positive mechanical detent system. Once placed in the up position, the sight cannot be folded down without depressing the spring assisted detent release button located on the left side of the sight base. This totally eliminates the possibility of accidentally lowering the multi aperture rear sight.
eBay Coupons
Free Sample Nectresse Natural No Calorie Sweetener, Plus $1.50 Off Coupon!
Added on : Wednesday January 23rd 2013 04:00:36 PM
https://secure.nectresse.com/offersFrom the makers of Splenda, New NECTRESSE Natural No Calorie Sweetener is what youve been searching for100% natural, zero calories per serving and the rich, sweet taste of sugar.NECTRESSE Sweetener tastes like sugar and is naturally
zero calories per serving. How? We started with the deliciously
sweet extract of monk fruit and combined it with the perfect
blend of other natural sweeteners. It's 100% natural with
nothing artificial. You're going to love the way it tastes.
Free sample Nectresse Natural No Calorie Sweetener, Plus $1.50 Off Coupon!
Added on : Wednesday January 23rd 2013 04:00:02 PM
https://secure.nectresse.com/offersFrom the makers of Splenda, New NECTRESSE Natural No Calorie Sweetener is what youve been searching for100% natural, zero calories per serving and the rich, sweet taste of sugar.NECTRESSE Sweetener tastes like sugar and is naturally
zero calories per serving. How? We started with the deliciously
sweet extract of monk fruit and combined it with the perfect
blend of other natural sweeteners. It's 100% natural with
nothing artificial. You're going to love the way it tastes.
Classic Nintendo games for 30 cents on Wii U eShop
Added on : Wednesday January 23rd 2013 01:00:03 PM
Classic Nintendo games for 30 cents on Wii U eShop

http://www.joystiq.com/2013/01/23/classic-games-available-for-30... "To celebrate the 30th anniversary of the Nintendo Entertainment System, Nintendo will make one game available on the Wii U eShop for $0.30 between now and July. Each NES or SNES game will be available at the discounted price for 30 days.

First up is Balloon Fight, which is available right now on the eShop at the discounted price. The next six are listed in the picture above. Remember, you only have 30 days to grab each game for $0.30. The Virtual Console will arrive on the Wii U in greater number following the spring update."

January: Balloon Fight
February: F-Zero
March: Punch Out! Featuring Mr. Dream
April: Kirby's Adventure
May: Super Metroid
June: Yoshi
July: Donkey Kong
Jcaelum op
Free Shipping on $49+ order.
Expires: Jan 29
Code: BH197Offer good on merchandise orders of $49 or more. Cannot be combined with any other special offers or coupons and cannot be redeemed for cash. Heavy/bulky charges still apply. Does not include Express Shipping upgrades. Does not apply to Canadian or International Orders. Alaska and Hawaii charges still apply. Offer expires at 11:59 P.M. CST on Thursday, February 28, 2013.Text
Men's Guide Gear 12" Waterproof 1,600 gram Colossal Boots, BrownCompare at $200.00 $55.99  Save $144.01 Available Colors/Sizes:
BROWN: 8, 8.5, 9, 9.5, 10, 10.5, 11, 12, 13, 14, 8EE, 8.5EE, 9EE, 9.5EE, 10EE, 10.5EE, 11EE, 13EE
Because feet are the furthest from the body's center of heat! These Boots do a great job keeping feet reliably warm. It's all about trapping heat inside, creating a barrier from the c-c-cold as you pass time in your tree stand. Even if the temps plunge way below zero, you'll laugh at the chill when your feet are cocooned within these Colossal Boots.The 1,600 gram Thinsulate Ultra Insulation ensures welcome warmth. Oh, yes, they're 100% waterproof to keep feet bone-dry in the wet. Hunting just improved! Since we had these fine Boots made to our exacting specs, there's no middleman markup. You simply SAVE BIG!Details:
Waterproof, oil-tanned, full-grain leather uppers
Guide Gear waterproof construction
Slip and oil-resistant rubber outsole
Padded tongue and collar
Mesh-lined, padded insole for pure comfort
Moisture-wicking mesh lining
Gusseted tongue locks out water and debris
Rear pull-on loop.
Each approx. 12"h., 38 ozs.State Width: medium or wide; and Size, as available in the Shopping Cart below. Order yours ONLINE today!
In the CVS flyer, they have Coke, Diet Coke, and Coke Zero 12-packs on sale 4 for $10. In addition, if you spend $30 on selected items you get $30 in reward bucks. (Limit 5 free cash cards per cardholder per week. Doesn't say there is a limit on how much coke you can buy.)
Putting YMMV on this, because I don't know if it's a national sale. I'm in the Chicago market.Maybe punch in your zip and check local flyer here:
http://weeklyad.cvs.com/cvs/default.aspx?action=entryflash&Sale price is good through 1/26.
luggageonline.com MLK Day ONLY Additional 25% off Sitewide.
Added on : Monday January 21st 2013 11:00:02 AM
http://www.luggageonline.comLuggageOnline.comSale ends Monday, 1/21/2013 at 11:59pm PST. *Sale prices will be reflected on site. Includes Items already up to 75% off. May not be applied to previous purchases. May not be combined with discount coupons.

Sitewide Sale Discount not valid on:

American Tourister
Antler
Atlantic
Baggallini
Bosca
Brics
Briggs & Riley BRITTO by HEYS USA
Delsey
Victorinox
New Titan
Piel
Korchmar
Lipault

Disney by HEYS USA
Eagle Creek
Hartmann
International Traveller
Jack Georges
Johnston and Murphy
Knomo Osgoode Marley
Kipling
Tony Perotti
Travelpro
Tumi
Zero Haliburton
KIVA Designs

Lodis
Manhattan Portage
Marc New York
Mulholland Brothers
Rimowa
Samsonite
Token New York
Ricardo Beverly Hills Collections:
Crystal City
Roxbury
Sausalito
San Mateo
Venice Lite
Eagle Creek Closeout Items
Crown Edition by HEYS USA
VALID ON OVER 100 OTHER BRANDS.
BB&T Checking $125 AL, DC, FL, GA, IN, KY, MD, NC, SC, TN, VA, WV
Added on : Saturday January 19th 2013 05:01:05 PM
Promo code AJIAZ by May 31 2013
www.bbt.com/plus125From previous threads:
Hard pull (eq?)
No CC fundingSouth East footprint, looks like.Open a personal checking account,
use direct deposit or bill pay,
get $125!1
Sign up for a new checking account today and get $125.
Plus, you'll get all of these great features for free:
Debit card with cash rewards
Online banking and bill payment
Mobile banking and alerts2
Mobile check deposit21Eligibility: This special limited time offer is available for personal checking accounts only that are opened between 1/01/2013 and 5/31/2013. Offer is subject to change or be withdrawn at any time without notice and cannot be combined with any other offer. Offer is limited to one incentive per household, and does not apply to second or multiple personal accounts. In order to receive the $125 incentive, clients must open a checking account and do at least one of the following. 1) Use BB&T online bill payment service to initiate 3 online bill payments (minimum payment of $25) from your new checking account within 90 days of account opening; OR 2) Enroll in and receive 2 direct deposits (minimum of $100 each) to the new personal checking account within 90 days of account opening. Any account not in good standing, closed, and/or with a balance less than or equal to zero at the time we review account eligibility (between 90-120 days of account opening) will not receive the $125 incentive. Normal minimum balance requirements apply. Some BB&T checking account options accrue interest. For example, an Elite Gold account earns 0.01% Annual Percentage Yield (APY) for balances $0 - $2,499, 0.01% APY on balances of $2500 - $24,999 and 0.01% APY on all balances $25,000 - $99,999,999,999 in North Carolina; rates good as of 11/5/2012 and are subject to change. The $125 incentive will be deposited directly to your account within 120 days of account opening if qualifiers above are met; and will be reported to the IRS as required by law.2Fees from your mobile or data carrier may apply.
FARR:Azo Cranberry (100 ct) softgel WIC 446516 - $9.99 get $10 RRCulturelle Digestive (30 ct), Culturelle For Kids probiotic (30 ct) packet or Culturelle Kids chewable probiotc (30 ct) - $10 get $10 RR
Answers at Wags digestive health booklet - $1 off any Culturelle product (5/1/13) mqSheets Energy strips (8 ct) mint - $3.99 get $4 RR (Berry Blast listed at $3.99, may be included)Thermacare Heat Wrap Back L/XL WIC 169264 - $2.99 get $3 RROther RR items:Claritin 10 mg Liquigels (40 ct) or 24 HR 10 mg (45 ct w/15 free) - $26.99 get $4 RR
$6 mq in Sunday 2/3 paperColgate Total Gum Defense or Total Advanced (4 oz) or Max Fresh Intense (6 oz) or Max Fresh toothbrush - $2.99 get $2 RRPlaytex Gentle Glide (36 ct) or Sport tampon (36 ct) - $6.99 get $2 RR
Loyalty point offers:Buy participating Aleve, Centrum, Caltrate, Osteo Bi-Flex, Natures Bounty, Sundown, Ester-C, Glucerna, Ensure, Depends or Poise products Buy $20 get 5,000 or Buy $30 get 10,000 points (monthly deal)
Aleve (50 ct) caps or tabs - $5.99 on 1/27
Aleve liquid gel (40 ct) - $7.99 on 1/27
Centrum Silver (100 125 ct), ProNutrients (50 - 100 ct) - $11.99 and BOGO 50% on 1/27 & 2/3
Depends or Poise - $11.99 on 1/27
Disney Toy Story Gummy vitamin (60 ct) - $6.99 and BOGO 50%
Ensure - $7.99 on
Ester-C products BOGO 50% - cheapest is gummies (60 ct) at $6.99
Glucerna shake (11 oz) 4 ct - $7.99 on 1/27
Mq in Sunday 1/27 paper
Natures Bounty BOGO 50% on 2/3
Osteo Bi-Flex products BOGO 50%
Sundown products BOGO 50% - Vitamin D 1000IU (100 ct) - $5.99Buy participating Curel, Jergens, Lubriderm, Eucerin, Gold Bond, Aveeno or W Dry Skin lotion Buy $10 get 2,000 or Buy $20 get 5,000 points (monthly deal)
Aveeno lotion tube (2.5 oz) - $3.29 and BOGO 50% on 1/27
Aveeno bar (3.5 oz) - $3.49 and BOGO 50% on 1/27
Aveeno lotion (12 oz) - $8.99
Eucerin hand crme (2.7 oz) or (2 oz) cream tube - $5.49 and BOGO 50% on 1/27
Gold Bond Ultimate Healing or Moisturizing X/S lotion (14 oz) - $7.99 on 2/3
$2 mq in Sunday 2/3 paper
Jergens Daily lotion (21 oz) - $7.29
Lubiderm Advanced Therapy lotion (16 oz) - $7.99Buy participating Robitussin, Dimetapp, Advil, Campbells, Emergen-C, Lysol or Nice products Buy $10 get 2,000 (monthly deal)
Advil Allergy & Congestion or Congestion Relief (10 ct) - $5 on 1/27
Advil Infant drops (.5 oz) - $5.99 and BOGO 50% on 1/27
Advil liquid Children (4 oz) - $6.99 and BOGO 50% on 1/27
Dimetapp DM cough (4 oz) - $5 on 1/27
$1 mq in Sunday 1/27 paper
Lysol Disinfecting spray (12.5 oz) - $3.99 on 2/3
Robitussin (20 ct) or (4 oz) - $5 on 1/27Buy participating Schick, Skintimate, K-Y, Listerine, Rembrandt, Revlon, or Body Fantasies products Buy $10 get 1,000 or Buy $20 get 3,000 points (monthly deal)
Body Fantasies mist (8 oz) 2/$10
Edge shave gel - $3.29 and BOGO 50% on 2/3
K-Y Yours + Mine - $14.99 Lists a free $25 restaurant.com offer
$4 mq in Sunday 2/3 paper
K-Y Intense gel - $24.99
$4 mq in Sunday 2/3 paper
Listerine Pocket Packs (72 ct) - $2.99
Rembrandt (3 oz) toothpaste - $4.99
Revlon Color Burst lip gloss - $7.49 or lip butter - $7.99 and BOGO 50% on 1/27
Schick Hydro shave gel (8.4 oz) - $3.99 and BOGO 50% on 2/3
Schick Slim Trim disposable razor (12 ct) - $8.49 and BOGO 50% on 2/3
Schick Quattro disposable women (3 ct) - $9.99 and BOGO 50% on 2/3
Schick Xtreme3 disposable (4 ct) - $8.99 and BOGO 50% on 2/3
Skintimate shave gel - $3.49 and BOGO 50% on 2/3Advil or Thermacare products Buy 2 get 1,000 or Buy 3 or more get 2,000 points (monthly deal)
Advil Liqui-gel (160 ct), (200 ct) tablets or PM (120 ct) caplets - $12.99 on 2/3
Thermacare (2 ct) - $6.99 and BOGO 50% on 1/27
$1 mq in Sunday 1/27 paperBlink Tears lubricating drops (.5 oz) or For Contacts or gel Tear drops (.34 oz) - $5.99 Buy 1 get 1,000 pointsComplete Multipurpose solution (12 oz) or Blink-N-Clean drops (15 ml) - $5.99 Buy 1 get 1,000 pointsDove or Caress bar soap 4/$5 Buy 4 get 1,000 pointsFinest Nutrition vitamins & supplements Buy 3 get 3,000 points items BOGO 50% (monthly deal)
Iron 28 mg (100 ct), B12 (2 oz) 2 count, Papaya & Enzyme (100 ct) or Vitamin C 500 mg (100 ct) - $4.99Garnier products Buy $15 get 3,000 points
Towelette (25 ct) - $5.99
Cleanser - $7.79
Skin products - $12.99Gillette products Buy $20 get 3,000 points (monthly deal)
Fusion Proglide razor - $9.99 on 1/27 & 2/3
Fusion Proglide trimmer system with cartridge - $9.99 on 1/27 & 2/3
Fusion Proglide (4 ct) cartridge - $18.99
Venus w/Olay razor - $9.99
Cartridges in 1/27 bonus buys
Fusion Proglide Silver Touch razor, manual or power at $9.99
Mq in Sunday 1/27 paper
Series shave gel (7 oz) - $2.99 and BOGO 50% on 1/27
Disposable razors listed BOGO 50%, but do not show the point offer. Need to check on 1/27 to see if included
Mach3 razors listed as well, but without points. Another item to check on 1/27Glade Buy 3 participating products get 2,000 points (monthly deal) items 25% off on 2/3
Carpet & Room (32 oz) or Tough Odor spray (9.7 oz) - $2.39
Plug-In or candle Scented Oil refill or candle - $2.84
Dcor Scents (.28 oz) or Expression refill (7 oz) - $2.99
Expression (7 oz) - $3.36
Plug-In warmer (.67 oz) - $3.74
Scented Oil candle holder w/3 refills - $4.11
Plug-In Scented Oil refill or LI refill (2 ct) - $4.49
Lasting Impressions (1.34 oz) or Sense & Spray - $7.49
Auto spray kit - $9.74Hallmark Buy $20 get 2,500 points
Lists Valentines bags - $.99 to $4.99Hefty Cinchsak (45 ct) Kitchen, (28 ct) Trash or (18 ct) Lawn & Leaf - $5.99 Buy 1 get 1,000 pointsHerball Essences or Aussie products 2/$5 Buy 2 get 1,000 pointsHersheys King Size bars 3/$3 Buy 2 get 500 pointsKelloggs 2/$5 Buy 4 get 1,000 points
Special K, Frosted Mini Wheats, Crunch Nut, Raison Bran Crunch, Fun Pak (8 ct), Smart Start, Nutra Grain bars, Fiber Plus,Lindt, Ghiradelli, Ritter or Green & Black bars 2/$4 - Buy 2 get 100 pointsLiving Solutions appliances Buy 1 get 1,000 points items 20% offLOreal Color Riche lip, nail or eye products $5.99 - $9.49 and BOGO 50% - Buy $15 get 3,000Method products Buy 2 get 1,000 points items 25% off
Dish pump (18 oz) - $2.99
Glass & Surface or A/P spray cleaner (28 oz) - $3.36
Wood cleaner (25 oz) - $4.86
Detergent 25 load - $6.74Mucinex, Delsym, or Cepacol products Buy 2 get 4,000 points (monthly deal)
Delsym adult (4 oz) - $11.99 and BOGO 50% on 2/3
Mucinex Child cough Melts (12 ct) - $8.99 on 2/3
Mucinex ER tabs (20 ct) - $10.99 on 1/27Nestle or Butterfinger candy bars 2/$1 Buy 4 get 1,000 pointsNice candy $1.99 - Buy 2 participating (13 16 oz) get 100 pointsNice N Easy foam hair color - $7.99 Buy 1 get 1,000 points (monthly deal)Nicoderm or Nicorette - $39.99 Buy 1 get 2,000 pointsNutrisse hair color - $6.99 Buy 1 get 1,000 points
$2/2 mq in Sunday 2/3 paperOlay Total Effects products $18.99 - Buy 2 get 3,000 pointsPure Life products Buy 2 get 5,000 points (monthly deal)
25% offRevitalens Multi-Purpose solution (10 oz) - $5.99 Buy 1 get 1,000 pointsRobitussin (8 oz) - $7.99, Dimetapp (8 oz) or (20 ct) Advil Congestion Relief products Buy 2 get 4,000 points
Does not appear to DD with monthly deal different sizes, but worth checking.SC Johnson products Buy 3 get 2,000 points items (25% off)
Drano Professional Strength (32 oz) - $4.71
Fantastik (32 oz) - $2.99
Pledge or Pledge wipes - $4.11
Scrubbing Bubbles 1 Step toilet refill (18 oz) - $2.99
Scrubbing Bubbles Fresh Brush refill (12 ct) - $3.36
Scrubbing Bubbles Mega Shower foamer - $3.96
Scrubbing Bubbles 1 Step toilet kit - $7.49
Vanish Drop-In bowl cleaner (1.7 oz) - $1.49
Windex Wipes - $2.99
Windex (26 oz) trigger - $3.21Unilever products Buy $15 get 5,000 points
Hellmans mayo 2/$7
Lipton tea bags (100 ct), Ice tea (10 qt), Cold Brew (22 ct), Decaff tea bags (48 ct), Green tea (40 ct) or Family size (24 ct) - $3
Ragu sauce 2/$4Vicks Nyquil (48 ct) Liquicaps - $10.99 Buy 1 get 1,000 pointsVisical Hair E/S Dietary supplement - $39.99 Buy 1 get 5,000 points (monthly deal)Walgreens Childrens Pain & Fever, thermometers, Childrens Tylenol or Childrens Motrin products Buy 2 get 2,000 points (monthly deal)
Walgreens Pain/Fever Child (30 ct) - $3.99 and BOGO 50% on 2/3
Walgreens Pain/Fever Jr (24 ct) - $4.99 and BOGO 50% on 2/3
Wal-Tap Child cough/cold (4 oz) - $4.99 and BOGO 50% on 2/3
Walgreens Pain/Fever 160 mg (1 oz) - $5.49 and BOGO 50% on 2/3
Walgreens Ibuprofen 100 Child (4 oz) - $5.99 and BOGO 50% on 2/3Walgreens TrueTest BG test strips (25 ct) - $19.99 Buy 1 get 1,000 pointsWindex and Scrubbing Bubbles Buy 2 get 1,500 points need to check for DD with SC Johnson, only item listed with this deal is:
Windex Touch-Up kitchen or bath cleaner - $3.49Wrigley or Extra products (3 pk) 2/$4 Buy 2 get 250 points
Other Sale items:7-Up, Canada Dry, A&W, Sunkist or Hawaiian Punch (2L) - $.99Bayer aspirin 81 mg (300 ct) - $12.99 ($3 off)
Bayer 325 mg (200 ct) - $8.99 ($3 off)
Bayer Extra Strength tabs (80 ct) - $8.49 ($3 off)Biscoff snack pack, Sunshine Cheez-It (4.5 oz), Royal Dansk cookies (3.5 oz), Nabisco cookies or crackers (3.8 6 oz) or Kelloggs Rick Krispie Treat - $.99Campbells Chunky - $1.69Coke, Sprite, Sprite Zero, Dr. Pepper, diet Coke (12 pk) 1 day sale 3/$10 3/$12 the rest of the week.Cosmetics BOGO 50% - Maybelline, LOreal, Neutrogena
$3 IVC Neutrogena Skin Clearing or Shine Control productsCrest Whitening Baking Soda Peroxide, regular or T/C (6.4 oz), Crest Kids toothbrush or Oral-B Indicator or Stages - $1.99Dial body wash (16 oz) BOGO at $5.49Foster Grant readers BOGO at $9.99 - $24.99Frito Lay chips, Doritos or Tostitos 1 day sale - $1.99 (2/$6 rest of the week)Garnier Fructus products - $3.49
$1 mq in Sunday 2/3 paperGold Bond lotions BOGO 50% (doesnt list any with monthly point offer)Kleenex or Puffs - $.99Mentos or Wrigley gum or Altoids or Tic Tac - $.99Neosporin, Cortizone, Cortaid, Band-Aid, J&J First Aid BOGO 50%Nice black olives - $.99Nice purified water (24 ct) - $2.49 (1 day sale - $1.99)Reach Total Care Plus Whitening floss (30 yd) - $1.19
Reach Total Care toothbrush - $1.99
Reach Advantage toothbrush - $2.79SoftSoap (7.5 oz) pump - $.99Speedstick or Lady Speedstick A/P - $1.99
$1 mq in Sunday 1/20 paperTheater box candy 3/$3Viva (6 roll) - $5.99
$1 IVC in Feb. bookWalgreens aspirin (100 ct) BOGO at $1.29 more expensive aspirin includedWalgreens ISO alcohol or Hydrogen peroxide BOGO 50%Walgreens nutritional shakes BOGO 50% and on sale - $5.99 and $7.49Yardley bar soap - $.79
Buy One get something:Apple I-Tunes card - $50 Buy 1 get $10 Wags GC
Fillers:Valentine gift sacks 6/$1Valentine wrapped pencil w/eraser topper 3/$1Valentines Mars, Nestle, Necco, Topps, Wonka candy - $.39Nestle or Butterfinger candy bars 2/$1 Buy 4 get 1,000 pointsValentines Palmer (4 oz), Ferrara - $.79Bumble Bee chunk light tuna - $.89
Rebate:Arctic Naturals Daily Omega-3 (60 ct) softgels, Ultimate Omega-3 (60 ct) softgel or Total Omega (60 ct) softgels - $15 get $15 MIR in Feb. bookFlexSure Restorative Joint Health (90 ct) capsules - $20 get $20 MIR in Feb. bookJamieson Natural Eggshell Membrane caps (30 ct) - $20 get $20 MIR in Feb. bookRenew Life Love Your Heart Veggie (90 ct) capsules - $20 get $20 MIR in Feb. bookVirmax T testosterone booster (30 ct) - $20 get $20 MIR in Feb. bookWalgreens True Result BG meter - $14.99 MIR in package also Buy 1 get 1,000 points also earn 10% BONUS if rebate option for Walgreens Gift Card is chosen. rebates (except for the glucose meter) can submitted online at www.walgreensrebates.com
thnx pwcpal/sd
"Hide Yo Silver... AWAY!"
Added on : Friday January 18th 2013 01:00:58 PM
Link to articleNote: Thread title is lifted from the comments section of the above article.
FARR:Azo Cranberry (100 ct) softgel WIC 446516 - $9.99 get $10 RRCulturelle Digestive (30 ct), Culturelle For Kids probiotic (30 ct) packet or Culturelle Kids chewable probiotc (30 ct) - $10 get $10 RR
Answers at Wags digestive health booklet - $1 off any Culturelle product (5/1/13) mqSheets Energy strips (8 ct) mint - $3.99 get $4 RR (Berry Blast listed at $3.99, may be included)Thermacare Heat Wrap Back L/XL WIC 169264 - $2.99 get $3 RROther RR items:Claritin 10 mg Liquigels (40 ct) or 24 HR 10 mg (45 ct w/15 free) - $26.99 get $4 RR
$6 mq in Sunday 2/3 paperColgate Total Gum Defense or Total Advanced (4 oz) or Max Fresh Intense (6 oz) or Max Fresh toothbrush - $2.99 get $2 RRPlaytex Gentle Glide (36 ct) or Sport tampon (36 ct) - $6.99 get $2 RR
Loyalty point offers:Buy participating Aleve, Centrum, Caltrate, Osteo Bi-Flex, Natures Bounty, Sundown, Ester-C, Glucerna, Ensure, Depends or Poise products Buy $20 get 5,000 or Buy $30 get 10,000 points (monthly deal)
Aleve (50 ct) caps or tabs - $5.99 on 1/27
Aleve liquid gel (40 ct) - $7.99 on 1/27
Centrum Silver (100 125 ct), ProNutrients (50 - 100 ct) - $11.99 and BOGO 50% on 1/27 & 2/3
Depends or Poise - $11.99 on 1/27
Disney Toy Story Gummy vitamin (60 ct) - $6.99 and BOGO 50%
Ensure - $7.99 on
Ester-C products BOGO 50% - cheapest is gummies (60 ct) at $6.99
Glucerna shake (11 oz) 4 ct - $7.99 on 1/27
Mq in Sunday 1/27 paper
Natures Bounty BOGO 50% on 2/3
Osteo Bi-Flex products BOGO 50%
Sundown products BOGO 50% - Vitamin D 1000IU (100 ct) - $5.99Buy participating Curel, Jergens, Lubriderm, Eucerin, Gold Bond, Aveeno or W Dry Skin lotion Buy $10 get 2,000 or Buy $20 get 5,000 points (monthly deal)
Aveeno lotion tube (2.5 oz) - $3.29 and BOGO 50% on 1/27
Aveeno bar (3.5 oz) - $3.49 and BOGO 50% on 1/27
Aveeno lotion (12 oz) - $8.99
Eucerin hand crme (2.7 oz) or (2 oz) cream tube - $5.49 and BOGO 50% on 1/27
Gold Bond Ultimate Healing or Moisturizing X/S lotion (14 oz) - $7.99 on 2/3
$2 mq in Sunday 2/3 paper
Jergens Daily lotion (21 oz) - $7.29
Lubiderm Advanced Therapy lotion (16 oz) - $7.99Buy participating Robitussin, Dimetapp, Advil, Campbells, Emergen-C, Lysol or Nice products Buy $10 get 2,000 (monthly deal)
Advil Allergy & Congestion or Congestion Relief (10 ct) - $5 on 1/27
Advil Infant drops (.5 oz) - $5.99 and BOGO 50% on 1/27
Advil liquid Children (4 oz) - $6.99 and BOGO 50% on 1/27
Dimetapp DM cough (4 oz) - $5 on 1/27
$1 mq in Sunday 1/27 paper
Lysol Disinfecting spray (12.5 oz) - $3.99 on 2/3
Robitussin (20 ct) or (4 oz) - $5 on 1/27Buy participating Schick, Skintimate, K-Y, Listerine, Rembrandt, Revlon, or Body Fantasies products Buy $10 get 1,000 or Buy $20 get 3,000 points (monthly deal)
Body Fantasies mist (8 oz) 2/$10
Edge shave gel - $3.29 and BOGO 50% on 2/3
K-Y Yours + Mine - $14.99 Lists a free $25 restaurant.com offer
$4 mq in Sunday 2/3 paper
K-Y Intense gel - $24.99
$4 mq in Sunday 2/3 paper
Listerine Pocket Packs (72 ct) - $2.99
Rembrandt (3 oz) toothpaste - $4.99
Revlon Color Burst lip gloss - $7.49 or lip butter - $7.99 and BOGO 50% on 1/27
Schick Hydro shave gel (8.4 oz) - $3.99 and BOGO 50% on 2/3
Schick Slim Trim disposable razor (12 ct) - $8.49 and BOGO 50% on 2/3
Schick Quattro disposable women (3 ct) - $9.99 and BOGO 50% on 2/3
Schick Xtreme3 disposable (4 ct) - $8.99 and BOGO 50% on 2/3
Skintimate shave gel - $3.49 and BOGO 50% on 2/3Advil or Thermacare products Buy 2 get 1,000 or Buy 3 or more get 2,000 points (monthly deal)
Advil Liqui-gel (160 ct), (200 ct) tablets or PM (120 ct) caplets - $12.99 on 2/3
Thermacare (2 ct) - $6.99 and BOGO 50% on 1/27
$1 mq in Sunday 1/27 paperBlink Tears lubricating drops (.5 oz) or For Contacts or gel Tear drops (.34 oz) - $5.99 Buy 1 get 1,000 pointsComplete Multipurpose solution (12 oz) or Blink-N-Clean drops (15 ml) - $5.99 Buy 1 get 1,000 pointsDove or Caress bar soap 4/$5 Buy 4 get 1,000 pointsFinest Nutrition vitamins & supplements Buy 3 get 3,000 points items BOGO 50% (monthly deal)
Iron 28 mg (100 ct), B12 (2 oz) 2 count, Papaya & Enzyme (100 ct) or Vitamin C 500 mg (100 ct) - $4.99Garnier products Buy $15 get 3,000 points
Towelette (25 ct) - $5.99
Cleanser - $7.79
Skin products - $12.99Gillette products Buy $20 get 3,000 points (monthly deal)
Fusion Proglide razor - $9.99 on 1/27 & 2/3
Fusion Proglide trimmer system with cartridge - $9.99 on 1/27 & 2/3
Fusion Proglide (4 ct) cartridge - $18.99
Venus w/Olay razor - $9.99
Cartridges in 1/27 bonus buys
Fusion Proglide Silver Touch razor, manual or power at $9.99
Mq in Sunday 1/27 paper
Series shave gel (7 oz) - $2.99 and BOGO 50% on 1/27
Disposable razors listed BOGO 50%, but do not show the point offer. Need to check on 1/27 to see if included
Mach3 razors listed as well, but without points. Another item to check on 1/27Glade Buy 3 participating products get 2,000 points (monthly deal) items 25% off on 2/3
Carpet & Room (32 oz) or Tough Odor spray (9.7 oz) - $2.39
Plug-In or candle Scented Oil refill or candle - $2.84
Dcor Scents (.28 oz) or Expression refill (7 oz) - $2.99
Expression (7 oz) - $3.36
Plug-In warmer (.67 oz) - $3.74
Scented Oil candle holder w/3 refills - $4.11
Plug-In Scented Oil refill or LI refill (2 ct) - $4.49
Lasting Impressions (1.34 oz) or Sense & Spray - $7.49
Auto spray kit - $9.74Hallmark Buy $20 get 2,500 points
Lists Valentines bags - $.99 to $4.99Hefty Cinchsak (45 ct) Kitchen, (28 ct) Trash or (18 ct) Lawn & Leaf - $5.99 Buy 1 get 1,000 pointsHerball Essences or Aussie products 2/$5 Buy 2 get 1,000 pointsHersheys King Size bars 3/$3 Buy 2 get 500 pointsKelloggs 2/$5 Buy 4 get 1,000 points
Special K, Frosted Mini Wheats, Crunch Nut, Raison Bran Crunch, Fun Pak (8 ct), Smart Start, Nutra Grain bars, Fiber Plus,Lindt, Ghiradelli, Ritter or Green & Black bars 2/$4 - Buy 2 get 100 pointsLiving Solutions appliances Buy 1 get 1,000 points items 20% offLOreal Color Riche lip, nail or eye products $5.99 - $9.49 and BOGO 50% - Buy $15 get 3,000Method products Buy 2 get 1,000 points items 25% off
Dish pump (18 oz) - $2.99
Glass & Surface or A/P spray cleaner (28 oz) - $3.36
Wood cleaner (25 oz) - $4.86
Detergent 25 load - $6.74Mucinex, Delsym, or Cepacol products Buy 2 get 4,000 points (monthly deal)
Delsym adult (4 oz) - $11.99 and BOGO 50% on 2/3
Mucinex Child cough Melts (12 ct) - $8.99 on 2/3
Mucinex ER tabs (20 ct) - $10.99 on 1/27Nestle or Butterfinger candy bars 2/$1 Buy 4 get 1,000 pointsNice candy $1.99 - Buy 2 participating (13 16 oz) get 100 pointsNice N Easy foam hair color - $7.99 Buy 1 get 1,000 points (monthly deal)Nicoderm or Nicorette - $39.99 Buy 1 get 2,000 pointsNutrisse hair color - $6.99 Buy 1 get 1,000 points
$2/2 mq in Sunday 2/3 paperOlay Total Effects products $18.99 - Buy 2 get 3,000 pointsPure Life products Buy 2 get 5,000 points (monthly deal)
25% offRevitalens Multi-Purpose solution (10 oz) - $5.99 Buy 1 get 1,000 pointsRobitussin (8 oz) - $7.99, Dimetapp (8 oz) or (20 ct) Advil Congestion Relief products Buy 2 get 4,000 points
Does not appear to DD with monthly deal different sizes, but worth checking.SC Johnson products Buy 3 get 2,000 points items (25% off)
Drano Professional Strength (32 oz) - $4.71
Fantastik (32 oz) - $2.99
Pledge or Pledge wipes - $4.11
Scrubbing Bubbles 1 Step toilet refill (18 oz) - $2.99
Scrubbing Bubbles Fresh Brush refill (12 ct) - $3.36
Scrubbing Bubbles Mega Shower foamer - $3.96
Scrubbing Bubbles 1 Step toilet kit - $7.49
Vanish Drop-In bowl cleaner (1.7 oz) - $1.49
Windex Wipes - $2.99
Windex (26 oz) trigger - $3.21Unilever products Buy $15 get 5,000 points
Hellmans mayo 2/$7
Lipton tea bags (100 ct), Ice tea (10 qt), Cold Brew (22 ct), Decaff tea bags (48 ct), Green tea (40 ct) or Family size (24 ct) - $3
Ragu sauce 2/$4Vicks Nyquil (48 ct) Liquicaps - $10.99 Buy 1 get 1,000 pointsVisical Hair E/S Dietary supplement - $39.99 Buy 1 get 5,000 points (monthly deal)Walgreens Childrens Pain & Fever, thermometers, Childrens Tylenol or Childrens Motrin products Buy 2 get 2,000 points (monthly deal)
Walgreens Pain/Fever Child (30 ct) - $3.99 and BOGO 50% on 2/3
Walgreens Pain/Fever Jr (24 ct) - $4.99 and BOGO 50% on 2/3
Wal-Tap Child cough/cold (4 oz) - $4.99 and BOGO 50% on 2/3
Walgreens Pain/Fever 160 mg (1 oz) - $5.49 and BOGO 50% on 2/3
Walgreens Ibuprofen 100 Child (4 oz) - $5.99 and BOGO 50% on 2/3Walgreens TrueTest BG test strips (25 ct) - $19.99 Buy 1 get 1,000 pointsWindex and Scrubbing Bubbles Buy 2 get 1,500 points need to check for DD with SC Johnson, only item listed with this deal is:
Windex Touch-Up kitchen or bath cleaner - $3.49Wrigley or Extra products (3 pk) 2/$4 Buy 2 get 250 points
Other Sale items:7-Up, Canada Dry, A&W, Sunkist or Hawaiian Punch (2L) - $.99Bayer aspirin 81 mg (300 ct) - $12.99 ($3 off)
Bayer 325 mg (200 ct) - $8.99 ($3 off)
Bayer Extra Strength tabs (80 ct) - $8.49 ($3 off)Biscoff snack pack, Sunshine Cheez-It (4.5 oz), Royal Dansk cookies (3.5 oz), Nabisco cookies or crackers (3.8 6 oz) or Kelloggs Rick Krispie Treat - $.99Campbells Chunky - $1.69Coke, Sprite, Sprite Zero, Dr. Pepper, diet Coke (12 pk) 1 day sale 3/$10 3/$12 the rest of the week.Cosmetics BOGO 50% - Maybelline, LOreal, Neutrogena
$3 IVC Neutrogena Skin Clearing or Shine Control productsCrest Whitening Baking Soda Peroxide, regular or T/C (6.4 oz), Crest Kids toothbrush or Oral-B Indicator or Stages - $1.99Dial body wash (16 oz) BOGO at $5.49Foster Grant readers BOGO at $9.99 - $24.99Frito Lay chips, Doritos or Tostitos 1 day sale - $1.99 (2/$6 rest of the week)Garnier Fructus products - $3.49
$1 mq in Sunday 2/3 paperGold Bond lotions BOGO 50% (doesnt list any with monthly point offer)Kleenex or Puffs - $.99Mentos or Wrigley gum or Altoids or Tic Tac - $.99Neosporin, Cortizone, Cortaid, Band-Aid, J&J First Aid BOGO 50%Nice black olives - $.99Nice purified water (24 ct) - $2.49 (1 day sale - $1.99)Reach Total Care Plus Whitening floss (30 yd) - $1.19
Reach Total Care toothbrush - $1.99
Reach Advantage toothbrush - $2.79SoftSoap (7.5 oz) pump - $.99Speedstick or Lady Speedstick A/P - $1.99
$1 mq in Sunday 1/20 paperTheater box candy 3/$3Viva (6 roll) - $5.99
$1 IVC in Feb. bookWalgreens aspirin (100 ct) BOGO at $1.29 more expensive aspirin includedWalgreens ISO alcohol or Hydrogen peroxide BOGO 50%Walgreens nutritional shakes BOGO 50% and on sale - $5.99 and $7.49Yardley bar soap - $.79
Buy One get something:Apple I-Tunes card - $50 Buy 1 get $10 Wags GC
Fillers:Valentine gift sacks 6/$1Valentine wrapped pencil w/eraser topper 3/$1Valentines Mars, Nestle, Necco, Topps, Wonka candy - $.39Nestle or Butterfinger candy bars 2/$1 Buy 4 get 1,000 pointsValentines Palmer (4 oz), Ferrara - $.79Bumble Bee chunk light tuna - $.89
Rebate:Arctic Naturals Daily Omega-3 (60 ct) softgels, Ultimate Omega-3 (60 ct) softgel or Total Omega (60 ct) softgels - $15 get $15 MIR in Feb. bookFlexSure Restorative Joint Health (90 ct) capsules - $20 get $20 MIR in Feb. bookJamieson Natural Eggshell Membrane caps (30 ct) - $20 get $20 MIR in Feb. bookRenew Life Love Your Heart Veggie (90 ct) capsules - $20 get $20 MIR in Feb. bookVirmax T testosterone booster (30 ct) - $20 get $20 MIR in Feb. bookWalgreens True Result BG meter - $14.99 MIR in package also Buy 1 get 1,000 points also earn 10% BONUS if rebate option for Walgreens Gift Card is chosen. rebates (except for the glucose meter) can submitted online at www.walgreensrebates.com
BOGO Farm Rich Product Coupon on January 17th at 4PM EST
Added on : Wednesday January 16th 2013 11:01:22 PM
The FREE Farm Rich Product Keep em Happy Hour will go live on Thursday, January 17th at 4PM EST. Log in for a chance to print* a coupon for a FREE Farm Rich product. You will need to register first, so sign up here for the Keep em happy Club.
*Some stores will not accept printables for free products, so YMMV.
Important Update, please read: Here is what Farm Rich posted on their Facebook wall: "Our Stuffed Pretzel Bites have had a cheese makeover - yummm! Log in for Keep 'em Happy Hour tomorrow at 4 p.m. EST for a chance to print a coupon for a free Farm Rich product, so you can give them a try!"All the blogs/boards are reporting this as being a printable coupon for a free product. I did a little Googling, and found the following from the Farm Rich website: " The right place at the right snack time! For a limited time, you can grab a Buy One, Try One coupon. Buy one Farm Rich product, get the second one free! Be here on the third Thursday of every month as this counter nears zero.
Be logged in to the Keep 'em happy Club.
Be one of the first 300 to click "Print."
Enjoy a new favorite for free!"So, what we have, is a monthly program to get a chance at one of 300 BOGO coupons on Farm Rich snacks. Sorry for the confusion, but I wanted to make sure that this is correct (anybody remember the Free KIND bars coupon fiasco?) Because this is a BOGO offer, I also requested that the mods move it to Grocery Coupons & Deals. Also, thank you Nickcoty for the heads up, You are correct.
Sugoi MidZero Women's Zip Top ($32.93 was $85.00) @ REI
Added on : Tuesday January 15th 2013 09:00:30 PM
Sugoi MidZero Women's Zip Top @ REI - $32.93
Added on : Tuesday January 15th 2013 09:00:04 PM
0 Posted By: FatWalletTopDeals
Views: 287 Replies: 0

Sugoi MidZero Women's Zip Top @ REI - $32.93
was $85.00
Free in-store pickup


(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
REI Coupons
http://www.amazon.com/dp/B0030BG1KE/The GreenWorks products that you purchase have a ZERO carbon footprint. We'll say that again - our entire product line will never release an ounce of carbon emission into the air. 4 Year Warranty - Double The Industry Standard. When looking for lawn tools, we know you're thinking about quality. You're looking for something that will get the job done and get you back to your weekend. That's why GreenWorks backs every tool with a full four-year warranty - we know our products will perform at the highest level and always be reliable. GreenWorks high quality products are manufactured to last. That's why we back every product with a warranty that's twice the industry standard. We'll provide all the power you need without polluting the air or forcing you to keep hauling your gas can to the nearest station (especially in the middle of a mow). No more tune-ups or maintenance. No more emissions. Fifty-four million Americans mow their lawns every weekend, according to the EPA, using 800 million gallons of gas each year. Along the way, homeowners spill more than 17 million gallons of gas while refueling. That's equivalent to the 1989 Exxon Valdez disaster. It's time to move beyond clumsy, harmful gas-powered mowers. It's time for GreenWorks to be your lawn tools for life.Features:
The Greenworks 10 amp electric snow thrower clears a 16-inch path
Cord lock conveniently holds extension cord securely in place
This electric snow thrower is capable of clearing a depth of 6 inches
Saves money while protecting the environment
6-inch wheels; 25-foot discharge distanceDeal ends at 5PM ET/2PM PT
Amazon Coupons
Vanilla reload issues
Added on : Friday January 11th 2013 09:01:11 PM
I purchased vanilla reload card for 400$ (using cash) but when i tried to load bluebird, reload card had only 8 digit PIN and cant fund blue bird online since it expects 10 digit PIN. I called vanilla customer service to report this - they say the funds has been transferred but bluebird shows zero. I reached out to a supervisor and created a dispute.They say it should be resolved with in 60 days.what if vanilla network later says they cant refund the amount.....Any other way to handle this issue......
Walgreens 1/13 - 1/19 weekly deals Ad Scan (thx erica/ihwags
http://images.iheartwags.com/ad_scans/2013/0113/wags011313.pdf)
FARR:Estroven PM Caplets (24 ct) - WIC 604914 - $10 get $10 RR (Wags.com has "Estroven Nighttime Dietary Supplement Caplets" for the description).Lipton Pure Leaf Raspberry, Lemon, Sweet, unsweetend or Extra Sweet (18.5 oz) tea or Lipton Natural (20 oz) tea - $1 get $1 RRMangodrin Extreme Weight Loss Supplement, 30 ct. - $10 get $10 RR Other RR items:Gillette Buy $30 participating items get $10 RR
Fusion shave gel (7 oz) - $4.99
Fusion (4 ct) cartridge - $18.99
Venus (4 ct) cartridge - $13.99 or (8 ct) cartridged - $22.99
Mach3 cartridge (5 ct) - $14.99 or (12 ct) - $28.99
Other cartridges listedLoyalty Point offers:Buy participating One A Day, Cirtracal, Phillips or Flinestones products Buy 1 get 500 or Buy 2 or more get 2,000 points (monthly deal)
One A Day Mens Pro Edge (50 ct), Vitacraves gummies (50 ct). Womens Formula (100 ct) or Gumies for Her (50 ct) - $6.99 Some items BOGO 50% on 12/30 & $4 off on 1/13
$2 mq in Sunday 1/6 paperBuy participating Natures Bounty, Sundown, Ester-C, Osteo, Pure Protein, Good N Natural, Disney Gummies, Body Fortress or Met-Rx products Buy $30 get 5,000 or Buy $40 or more get 10,000 points (monthly deal)
Ester-C 500 mg (90 ct) tablets - $10.99
Body Fortress whey protein (2 lb) - $21.99 and BOGO 50% on 1/6
Body Fortress Muscle SUP180 - $24.99 and BOGO 50% on 1/6
Mq in Sunday 1/6 paper
Met-RX Big100 (3.52 oz) or Protein Plus (3.17 oz) bar BOGO 50% on 1/6
Met-RX Big100 Colossal (3.5 oz) bar - $2.99 and BOGO 50% on 1/6
Mq in Sunday 1/6 paper
Natures Bounty BOGO 50% on 1/13
Osteo Bi-Flex (80 or 120 ct) $29.99 and BOGO 50% on 12/30 & 1/6
Oesteo Bi-Flex T/S Adv (120 ct) - $39.99 and BOGO 50% on 12/30 & 1/6
Advil- Buy 2 participating products get 2,000 or Buy 3 or more get 4,000 points (monthly deal)
Pain Relief tablets (50 ct), (20 ct) PM or (40 ct) Liqui-gels - $4.99 on 1/13
Infant drops (.5 oz) or Childrens (4 oz) liquid - $4.99 on 1/13
Thermacare knee/elbow (2 ct) - $4.99 on 1/13Almay products Buy 2 get 2,000 points Items BOGO 50%Centrum or Caltrate products Buy 2 get 2,000 points Items BOGO 50% (monthly deal)Cerave products Buy 2 get 1,000 points Items BOGO 50%Colgate Buy 2 get 2,500 points (monthly deal)
Total Advance Clean (5.8 oz) toothpaste 2/$7
360 Optic White full, Sensitive Pro-Relief or 360 42mm toothbrush 2/$7Colgate Max Fresh (6 oz) toothpaste or Max Fresh toothbrush - $2.99 Buy 1 get 1,500 points
Colgate Total Advance Clean (4 oz) - $2.99 Buy 1 get 1,500 pointsCrest or Oral-B products $2.99 - Buy 3 get 4,000 points
3D White Vivid Radiant or Arctic Fresh (4 oz)
Pro-Health mouthwash (500 ml) or (6 oz) PH or PH for Life (6 oz) toothpaste or PH For Me kid rinse (16.9 oz)
Oral-B Pro Health or Cross ActionDigestive health products Buy $25 or more get 5,000 points (monthly deal)
Culturelle (30 ct) - $19 on 1/13
Dulcolax tablets (25 ct) - $6 on 1/13
Ex Lax (24 ct) - $6
Lactaid Fast Acting (32 ct) caps
Miralax Sachet (10 ct)
$1 mq in Sunday 1/6 paper
Pepto Bismol (10 oz) liquid, Pepto To Go (24 ct) or Child (24 ct) tabs - $6 on 1/13
Prilosec OTC 20 mg (28 ct)
Walgreens Lansoprazole 15mg (42 ct) caps
Walgreens Smooth 30 day laxative (17.9 oz)
Walgreens Stool softener 100 mg (200 ct)
Walgreens Super probiotic (60 ct) caps
Wal-Zan 150 mg (24 ct)
Zantac 150mg (24 ct) tabs - $9 on 1/13Dove, Caress or Lever 2000 products Buy $15 get 1,500 points
Caress bar - $1.59
Caress body wash (12 oz) - $3.99
Dove bar soap - $1.43 or (2 pk) - $3.83 or (6 bar) - $7.59
Dove Men body wash (13.5 oz) - $4.39
Dove body wash (24 oz) - $7.19 or (12 oz) - $5.03
Lever 2000 (2 pk) - $1.99Dr. Scholl foot care products Buy 2 get 2,000 points Items 25% off
Ultra think corn removal (9 ct) - $4.11
Corn cushion (6 ct) or deodorant powder (4.7 oz) - $4.49
Hidden Arch support (1 pair) - $5.24
For Her heel liner (3 ct) or gel heel cushion (2 ct) - $5.99
Wart removal items ($9.74 - $14.99)
Messaging gel insole - $9.36
Messaging gel arch support (2 ct) - $10.49
List Lotrimin & Clear Away products in this dealFinest Nutrition participating products Buy $30 get 3,000 or Buy $40 or more get 5,000 points Items BOGO 50% (monthly deal)
(cheapest listed)
Iron 28 mg (100 ct) tablet - $4.99
Vitamin C 500 mg (100 ct) - $4.99
Vitamin B w/C 1200 mg (100 ct) - $5.99
Vitamin B12 500 mg (100 ct) - $6.49Garnier Fructus hair care products Buy $15 or more get 4,000 points (monthly deal)Gerber Buy $15 or more participating products get 1,500 points
Gerber 2nd 4/$5
Puffs, cookies, biscuits or Lil Crunchies 2/$4
Lil entrees, Fruit Splashers, Yogurt Melts 2/$6Keebler or Cheez-it, select products 3/$6 - Buy 3 get 1,000 pointsKraft singles or Oscar Mayer Deli meats 2/$6 Buy 2 get 1,000 pointsLindt (5.1 oz) bags 2/$7 Buy 2 get 250 pointsMucinex DM Bi-Layer (40 ct) tablets - $19.99 Buy 1 get 3,000 pointsNice bagged candy - $.99 Buy 2 get 100 points (chocolates)Nice peanuts 2/$5 Buy 2 get 500 pointsOpti Free Puremoist multi-purpose disinfectant (10 oz) - $8.49 Buy 1 get 1,000 pointsP&G Buy $15 or more participating products get 3,000 points (monthly deal)
Always/Tampax BOGO 50%
Cover Girl BOGO 50%Pepsi, Frito Lay, Aquafina, Starbucks or Lipton products Buy $15 or more get 3,000 points (monthly deal)
Doritos (11.5 oz), Tostitos or Lays chips or dip 2/$5
Aquafina (24 pk) - $3.99
Pepsi 2 L 4/$5
Pepsi, Mountain Dew, Sierra Mist Fridgemate (12 pk) 4/$10Post cereals 2/$5 Buy 4 get 1,000 pointsPowerade, Vitamin or Smart water 5/$5 Buy $5 get 500 pointsReplenish multi-purpose solution (10 oz) - $8.49 - Buy 1 get 1,000 pointsRevlon Buy $10 or more participating products get 2,000 points (monthly deal)Schick, Edge or Skintimate products Buy $20 get 10,000 points
Edge shave gel (7 oz) - $3.29 - $3.99
$.55 mq in Sunday 1/13 paper
Schick Hydro shave gel (8.4 oz) - $3.99
Schick Intuition razor - $11.99
$2 mq in Sunday 1/13 paper
Schick Quattro women razor - $9.99 or (4 ct) cartridge - $12.99
Schick Quattro Titanium cartridge (4 ct) - $11.99
Skintimate shave gel (7 oz) - $3.49 - $4.29SC Johnson products Buy 2 get 1,000 or Buy 3 or more get 2,000 points Items 25% off
Fantastik (32 oz) - $2.99
Pledge (9.7 oz) - $4.11
Shout (22 oz) - $2.84
Scrubbing Bubbles bath cleaner or kitchen (16 oz) - $2.69
Scrubbing Bubbles toilet gel Fresh (6 ct) - $3.21
Scrubbing Bubbles Mega Shower foamer (20 oz) - $3.96
Vanish Drop-In bowl cleaner (1.7 oz) - $1.49
Windex (26 oz) or wipes (28 ct) - $3.21Tide Pods, Gain or Downy Unstopables Buy 2 get 500 points
Gain 2X (50 oz) liquid or Tide Pods (16 ct) or Downy Unstopables (9.7 oz) - $4.99Tresemme hair care products Buy 2 get 1,000 points ($4.99 - $5.99) and BOGO 50%Vicks products Buy $20 or more get 4,000 points (monthly deal)
Nyquil or Dayquil (12 oz) or new Nyquil D - $6.49 on 1/13
Natures Fusion Cold/Flu (20 ct) caps or (8 oz) syrup - $6.49 on 1/13
Sinex spray (.5 oz) or (24 ct) Liquicaps - $6.49 on 1/13Vidal Sassoon products $4.99 - Buy 2 get 1,000 pointsViva, Cottonelle or Scott products Buy 2 get 1,000 points
Cottonelle Ultra or Clean Care (12 ct) - $5
Scott bath tissue (12 ct) - $7.49
Viva (6 roll) - $5.99Walgreens Childrens Cough & Cold, Thermometer, Childrens Tylenol or Childrens Motrin products Buy 2 get 2,000 points (monthly deal) Wags items BOGO 50%Wrigley Extra, Wrigley brand and Mentos Up2U 3/$2 Buy 3 get 100 pointsOther sale items:Dove or Degree deodorant - $1.99Folgers classic - $3.49 or Decaf - $4.49Gillette Mach3, Custom Plus3 disposables or Shave gel BOGO 50%Listerine Ultra Clean Arctic or Cool Mint, Total Care , Zero (500 ml) - $2.74 or Pocket Mist spray - $3.24
Listerine Smart Rinse Barbie (16.9 oz) - $2.99Maxwell House Instant - $3.99 or Decaf Instant - $3.99Nice Draw String, Twist Tie or Wing Tie Tall Kitchen or Trash bags - $4.99Ocean Spray juice BOGO at $4.49Puffs - $.99Schiff Mega Red products BOGO 50%
$3 IVC in Jan. book
Mq in Sunday 1/13 paperW Premium diapers 2/$10Fillers:Russell Stover heart bar - $.39Mars bars or singles - $.59Nice candy - $.69Lindsay olives - $.99Sunny Smile paper plate - $.99Rebate:
From the January IVC/Easysaver Book
$20 MIR Renew Life Ultimate Flora Daily Probiotic plus Fiber, 30 pk. *Limit 1
$20 MIR FlexAid Joint Formula 90ct. *Limit 1
$14.99 MIR Phase+ for Diabetics Foot Therapy, 6oz. *Limit 1
$7.99 MIR Phase+ for Diabetics Exfoliating Waash, 8oz. *Limit 1
$4 MIR wyb two or more participating Similac products below.
Similac Infant Formula 22 to 23.2 oz.
or Prenatal Dietary Supplement 2pk, 30ct ea. *Limit 1
* In Rhode Island, rebate limit is two (2). thx pwcpal/sd
AMC Best Picture Showcase - Nine Movies for $60
Added on : Friday January 11th 2013 06:00:02 PM
This deal gets posted every year. I realize some people don't like it, but others do so I'm posting it again this year. AMC Theaters is once again doing their Best Picture Showcase. For those unfamiliar with the program, here's how it works. They show all nine Academy Award Best Picture nominees back-to-back on two consecutive Saturdays, four on one day and five on the other. It's $30 for the shorter day and $40 for the longer day, or you can do both days for $60. If you're a member of their Stubs program, you also get $5 credit each day to use for concessions. Full Information HereParticipating TheatersSaturday, February 16th:
Amour
Les Miserables
Argo
Django UnchainedSaturday, February 23rd:
Beasts of the Southern Wild
Life of Pi
Lincoln
Silver Linings Playbook
Zero Dark ThirtyThis will be my seventh year going to this event and it's always a great time!
Free cumin from Penzeys 0.9oz
Added on : Friday January 11th 2013 05:00:40 AM
From DN
http://www.penzeys.com/cgi-bin/penzeys/express.html
Hit the checkout button with an empty cart and enter "42730C" this will add the item to your cart. It will show $7.95 shipping cost, but drops to zero once you put in your info and submit.
CVS 1/13 - 1/19: Get a $10 CVS Cash Card wyb $30 of select products
Added on : Thursday January 10th 2013 09:01:26 AM
All are limit 1 unless stated otherwiseGet $3 ECB wyb (3) American Greetings Cards priced $1.99+ Limit 1
FREE after ECB (Typically the $0.99 cards still work for this deal)Get $4 ECB wyb (4) of the following Valentine's Day Candy 4/$12 Limit 1
Valentines M&Ms 7-12.6oz
Dove Chocolate Minis or Hearts 7.94-9.5oz
Snickers Fun Size or or Mars Chocolate Minis 9-11.5ozGet $2 ECB wyb Olay Regenerist or Total Effects Tone (excludes clearance items, kits and treatments) $20.99 Limit 1
$2/1 Olay Total Effects Facial Moisturizer or Cleanser, (RP 12/09/12)
$3/1 Olay Pro-X or Regenerist Facial Moisturizer, (RP 12/09/12)
$2/1 Olay Total Effects Facial Moisturizers or Age Defying Series Facial Moisturizer, (P&G 12/30/12)
$3/1 Olay Regenerist Facial Moisturizer or Facial Hair Removal Duo, (P&G 12/30/12)Get $5 ECB wyb $15 on ANY L'Oreal Eye or Lip (excludes clearance) Limit 1
$1/1 L'Oreal Paris Eye Product, (RP 12/09/12)
$1/1 L'Oreal Paris Eye Shadow or Eyeliner, (RP 12/09/12)Get $5 ECB wyb $15 on ANY Maybelline Foundation, Powder, Blush, Concealer or Eye (excludes clearance) Limit 2
$1/1 Maybelline New York Eyeshadow or Eye Liner, (RP 12/02/12)
$1/1 Maybelline New York mascara (RP 1/6/13)Get $3 ECB wyb Almay Intense i-Color Shadow, liner or mascara $5.99(excludes clearance) Limit 6
$2/1 Almay cosmetics purchase(tearpad found at CVS) *exp. 2/4/13Get $10 ECB wyb SensatioNail Gel Polish starter kit $49.99 (excludes clearance) Limit 1Get $3 ECB wyb $10 on these Products: Limit 1
Dial, Tone Bar 2-3pk or Dial Complete Hand Wash 7.5 oz $2
Select Right Guard, Dry Idea APDO (excludes Twin pks and aerosals) or Total Defense 5 Body Wash 13.5oz $3
Dial, Tone Body Wash 16-18oz or Dial Bar Soap 8pk $4
Dial NutriSkin Lotion 21 oz $5
$1/1 Dial 12oz+ lotion product (RP 1/13/13)
$1/2 Dial 6oz+ regular or for men body washes (RP 1/13/13)
$1/3 Dial liquid or foaming hand soap or 3pk+ bar (RP 1/13/13)Get $5 ECB wyb $15 on ANY Garnier Skin Care (excludes clearance) Limit 1
$2/1 Garnier moisturizer (RP 1/13/13)
$2/1 Garnier Moisturizer, (RP 11/04/12 R)(RP 12/02/12)
$1/1 Garnier Cleanser, (RP 10/28/12 R)Get $6 ECB wyb (2) Curel 13-16 oz or Jergens 16.8-21oz Limit 1
$1/1 Curel Moisturizer, 7.5oz+ (SS 12/02/12) *exp. 1/13
$2/1 Curel Intensive Healing Cream, (SS 12/02/12) *exp. 1/13Get $4 ECB wyb $12 on these Suave Products: Limit 1
Suave Keratin, Moroccan shampoo, conditioner 12.6oz, mask 8oz, almond/shea butter or men's shampoo/conditioner 28oz 2/$6
Suave Professionals Natural, Kids, Men's or Stylers 5-22.5 oz 3/$5
Suave Body Wash 12oz 2/$4Get $10 ECB wyb $30 on ANY Pantene Expert Shampoo or Conditioner 8.4-10.1oz (excludes clearance) Limit 1
$3/2 Pantene (P&G 12/30)Get $5 ECB wyb $15 on ANY Garnier Nutrisse Hair Color or Color Foam (excludes clearance) Limit 1
$2/1 Garnier Nutrisse Nourishing Color Creme, (RP 12/09/12) (RP 1/13/13)Get $5 ECB wyb ANY Gillette Fusion ProGlide or Venus Razor 1ct (excludes clearance) Limit 1
$3/1 Venus Razor (Parade 12/16/12)
$4/1 Gillette Fusion ProGlide Styler (USA weekend or Parade 12/16) *if included
$5/both Venus razor AND refill pack excludes disposables (P&G 12/30)
$10 off One ProGlide Razor wyb Gillette Cartridge or Disposable (RP 12/2)
$5 off Gillette ProGlide razor when you buy 4ct+ cartridge or disposable(P&G 12/30)Get $2 ECB wyb ANY Multi-Pack Crest, Fixodent, Glide or Oral-B (2 and 4 packs only, excludes brush heads, Crest 3D and clearance) Limit 2
$.75/1 Fixodent cleanser(P&G 12/30)
$1/1 Fixodent 1.05oz+ adhesive(P&G 12/30)
$.50/1 Oral-B 35m+ Glide floss or 30ct+ Glide floss picks(P&G 12/30)
$.75/1 Oral-B Pulsar, 3D White, Pro-Health or Complete or $.75/2 Indicator or Cavity Defense toothbrushes(P&G 12/30)
$1.50/1 Crest Rinse, 458mL+ (P&G 12/30)
$0.50/1 Crest Toothpaste or Liquid Gel, 4oz+(P&G 12/30/12)Get $10 ECB wyb ANY Crest 3D Whitestrips Limit 2
$10 MIR Crest 3D White Intensive Professional Effects, Professional Effects or 2 Hour Express Whitestrips, 7-ct. 3D White Intensive Professional Effects, 20-ct. Professional Effects or 4-ct. 2 Hour Express Whitestrips; Valid 12/30-6/30 (P&G 12/30/12)Get $5 ECB wyb $10 on Select Crest 3D White Paste, Rinse or Brush (excludes clearance) Limit 2
$.75/1 Oral-B Pulsar, 3D White, Pro-Health or Complete or $.75/2 Indicator or Cavity Defense toothbrushes(P&G 12/30)
$1.50/1 Crest Rinse, 458mL+ (P&G 12/30)
$0.50/1 Crest Toothpaste or Liquid Gel, 4oz+(P&G 12/30/12)Get $4 ECB wyb (2) Prevacid 24 hour 42 ct 2/$50 Limit 3
* shows $6/2 MQ Coming in 1/13 PaperGet $3 ECB wyb (2) of these Cold Products below: Limit 5
Dimetapp, Robitussin Liquid 4oz or Robitussin 20ct $4.99
Nyquil/Dayquil 48ct, liquid 24oz, Nature Fusion Liquid/Tablet Combo pk or VapoRub 6oz $10.99
Mucinex Fast-Max 20ct or Liquid 6oz $10.99
$1/1 Dimetapp Children's Product, (RP 12/9)(1/6/13)
$1.50/1 Vicks Nature Fusion excludes VapoDrops and ZzzQuil (P&G 12/30)
$1/1 Vicks product excludes VapoDrops and ZzzQuil(P&G 12/30)Get $3 ECB wyb (2) Zicam Spray .5oz, oral mist 1oz, chewables or RapidMelts 18-25 ct 2/$20 Limit 2
$1/1 Zicam Product, (SS 11/04/12 R)Get $10 ECB wyb Select CVS Blood Pressure Monitors or Pulse Oximeter PSA $49.99 Limit 1Get $5 ECB wyb CVS Stop Smoking Aid Gum 100-110 ct, patch 14ct, or lozenge 72 ct $29.99 Limit 1
BOGO DEALSEdy's Ice Cream 48oz
CVS Alkaline Batteries AA AAA 4pk
Ponds Towelettes 30ct or facial cream 9.5-10.1 oz
Naturemade CoQ10 40-80ct, Cholest Off 60-120 ct, fish oil 60-300 ct, flaxseed 100-180 ct or krill oil 60 ct
CVS or Radiance Vitamins Limit 6
Nature's Bounty or Flex-a-min (excludes Optimal Solutions) Limit 4
$1/1 Nature's Bounty vitamin or supplement (RP 1/6/13)
$2.50/1 Nature's Bounty fish oil or CoQ-10 (RP 1/6/13)
$4/1 Nature's Bounty Optimal Solutions product (RP 1/6/13)
$5/1 Nature's Bounty Optimal Solutions shake mix (RP 1/6/13)
Colgate Total Advanced, Whitening 7.6-7.8oz or Optic White 5.5oz Limit 4OTHER SALESGold Emblem Peanut Butter $2.99
Mars or Tic Tac Singles BOGO $.25
Kellogg's Pop Tarts 8ct 2/$4
Wonderful Pistachios $3.99
Capri Sun or Kool Aid 10pk $2.99
Austin Crackers 8pk 10/$10
Kraft Macaroni & Cheese 10/$10
Renuzit Adjustable Air Freshener 7.5 oz $.88
Schick Extreme3 Superpack 4+4ct total $7.99
$2/1 Schick Disposable Razor Pack, excludes 2ct (SS 12/02/12) *exp. 1/13/13
Vitaminater 20oz or Powerade 32oz 4/$5
$1/4 CRT Printing From the Red Machine starting 1/13
Campbell's Chicken Noodle or Tomato Soup 10.75 oz $0.77FREE CVS Glass Scale wyb $30 on the following Weight Loss Products: Limit 5Balance Bar 1.76oz 5/$5
Pounds Lost Shot 2pk $3.99
Right Size Smoothie Drink Mix 18.5-20.5oz
Kellogg's Special K Protein Shakes 4pk or bar 6pk 2/$12
NV 60ct, Hydroxycut, Xenadrine or ALL Slimquick dietary supplement $19.99
Fastin, Lipodrene 30-45 ct, Hi-Tech rasberry ketone, saffron or coffee trim 90ct $19.99Get a $10 CVS Cash Card wyb $30 of the following products: Limit 5Coke Product 12 pk 12 oz cans 3/$9
Coke 7.5oz cans 2/$6
Coke Product 2 liter bottles 4/$5
Wheat Thins, Triscuit or Ritz 9-15.1oz 2/$6
Powerade 8pk or Vitamin Water 6pk $3.99
Planters Peanuts 16oz 2/$6
Hershey's or Brookside Pouches 7-11oz 2/$6
Hershey's Kit Kat or Reese's Snack Size 10.5 - 10.78oz 2/$5
Wisk $4.99
Scott Bathroom Tissue 12-18 pk $7.49
Cottonelle Bathroom Tissue 18pk or Scott Paper Towels 12pk $9.99
Cottonelle Wipes 42ct or Kleenex Hand Towels 60ct 2/$5
Pantene Shampoo, Conditioner 12.6oz or Styler 5.7 - 11.5oz 2/$7
ALL Covergirl Face, Eye, Lip or Outlast Nail BOGO 50%
ANY Huggies Jumbo Pack Diapers, Pull-Ups or Goodnites $9.49
Depend Silhouette or Real Fit 10-12 ct, underwear 14-20 ct, guards 52ct $10.99
Poise or Poise Hourglass Pads 27-66ct (excludes 45ct Value Pack) $10.99
Kotex Pads 28-44ct, Lightdays 80-135 ct, or Tampons 36ct $4.99
U by Kotex Liners 50-60 ct, pads 14-18 ct, or Tampons 18ct $3.99
$1/1 MQ Coming in 1/13 Paper
Huggies Wipes 168-184 ct $5.99
Luvs Ultra Leakguards Jumbo pack $7.99
Huggies Big Pak Diapers, Pull-Ups or Goodnies $19.99
Poland Spring or Deer Park Natural Spring Water 16.9oz 12pk+ 4 Bonus Packs $3.99
Dawn 9-10.3 oz $.99
Prilosec 42ct $24.99
Kleenex 184ct, lotion, ultra soft, cool touch or slim pack 30-75ct 2/$3
Duracell Alkaline AA, AAA 8pk, C, D 4pk, 9 volt 2pk, Lithium Power AA, AAA 6 pk $5.99
Glade Scented Oil Plugins Refill 2pk 1.34oz total or Expressions Mist 7oz $4
Glade Fabric Spray 22oz, Oust, Sense & Spray Refill, candle refill, Plugins Refill .28-.71oz or candle $3
Glade Sense & Spray or Lasting Impressions Kit $5
Fancy Feast Cat Food 3oz 10/$5.50
Pedigree dog food 4.4oz or Purina Friskies 3.15lbs 2/$9
Arm & Hammer Super Scoop Cat Litter 14lbs $5.99
Select Dog Treats Waggin' Train or Beggin' Strips and more $9.99
Tide or Gain Liquid 19-32 loads $5.94
Always Infinity Radiant pads 24-36ct, Radiant liners 128ct or Tampax Pearl/Radiant 36-40 ct $6.99
Select Gillette or Old Spice Premium APDO 2.6-4oz BOGO 50%
$1/4 Sprite, Sprite Zero, Seagrams, Mello Yello, Fresca or Fanta Toronja, 2-Liter bottles, Mix or match (SS 12/09/12) *exp 1/13
$1/2 Coca Cola Glass Bottles, Mini Cans, or Bottles, 6-pk., 8-oz. Glass bottles; 8-pk. 7.5-oz. mini cans; 8-pk., 12-oz. bottles or 6-pk. 0.5-L. bottles (SS 12/09/12) *exp 1/13
$1/2 Planters Nuts Product, 4-21.4oz (SS 11/11/12 R)
$1/2 Planters 4-21.5oz products excluding pistachios dnd (SS 12/2) or HERE
$1/1 Wisk 45oz+ laundry detergent (RP 1/13/13)
$3/2 Pantene Products, ets (P&G 12/30/12)
$1/1 Covergirl Outlast Stay Brilliant Nail Gloss excludes accessories(P&G 12/30)
$3/2 Covergirl products excludes accessories(P&G 12/30)
$0.50/1 Dawn Hand Renewal, Power Clean, Bleach Alternative or Oxi, (P&G 12/30/12)
$0.25/1 Dawn Product, (P&G 12/30/12)
$1/1 Prilosec Product, (P&G 12/30/12)
$.50/1 Duracell CopperTop, Ultra Power, Ultra Photo Lithium or Specialty batteries excludes 1ct and trial (RP 12/9)
$2.00/1 Duracell CopperTop, Ultra Power, Ultra Photo Lithium or Specialty batteries excludes 1ct and trial (RP 12/9 R)
$.50/1 Duracell CopperTop, Ultra Power, Ultra Photo, Lithium or Specialty batteries excludes 1ct (P&G 12/30)
$1.50/1 Tide detergent excludes PODS (P&G 12/30)
$.50/1 Tampax 18ct+(P&G 12/30)
$1/1 Tampax 16ct+ Pearl or Radiant including Compak(P&G 12/30)
$.50/1 Always 30ct+ Pantiliners (P&G 12/30)
$.50/1 Always Pads or Feminine Cleansing Cloth(P&G 12/30)
$1/1 Always 12ct+ Infinity including Radiant Infinity(P&G 12/30)
$1/2 Old Spice products (P&G 12/30)
$1/2 Gillette deodorants or body washes(P&G 12/30)
Purina Free 16oz ONE beyOnd cat food carton up to $3.25 or $3.25/1 3lb+ cat food bag (RP 1/13/13) *any cat food bag? or One BeyOnd only?* The coupon for your free CVSCash Card will print at a minimum of $29.40, $58.80, $88.20, $117.60, $147
* Limit of 5 free $10 CVSCash cards per cardholder per week, while supplies last. No Rainchecks.
* The required amount is before coupons. You can get your subtotal down to zero and you'll still get your CC!
* You do NOT have to get it all in one transaction. You have all week to finish out your deals and the register keeps track of your running totals which are listed on the bottom of your receipt!
* The ECB that prints is to be redeemed for the Cash Card, it is not a regular ECB.
Thx CVS_Lifer/sd
Walgreens 1/13-19 THREE Free a/RR Items, Bal Rwds Offers, Ad Scan
Added on : Thursday January 10th 2013 09:01:21 AM
Walgreens 1/13 - 1/19 weekly deals Ad Scan (thx erica/ihwags
http://images.iheartwags.com/ad_scans/2013/0113/wags011313.pdf)
FARR:Estroven PM Caplets (24 ct) - WIC 604914 - $10 get $10 RR (Wags.com has "Estroven Nighttime Dietary Supplement Caplets" for the description).Lipton Pure Leaf Raspberry, Lemon, Sweet, unsweetend or Extra Sweet (18.5 oz) tea or Lipton Natural (20 oz) tea - $1 get $1 RRMangodrin Extreme Weight Loss Supplement, 30 ct. - $10 get $10 RR Other RR items:Gillette Buy $30 participating items get $10 RR
Fusion shave gel (7 oz) - $4.99
Fusion (4 ct) cartridge - $18.99
Venus (4 ct) cartridge - $13.99 or (8 ct) cartridged - $22.99
Mach3 cartridge (5 ct) - $14.99 or (12 ct) - $28.99
Other cartridges listedLoyalty Point offers:Buy participating One A Day, Cirtracal, Phillips or Flinestones products Buy 1 get 500 or Buy 2 or more get 2,000 points (monthly deal)
One A Day Mens Pro Edge (50 ct), Vitacraves gummies (50 ct). Womens Formula (100 ct) or Gumies for Her (50 ct) - $6.99 Some items BOGO 50% on 12/30 & $4 off on 1/13
$2 mq in Sunday 1/6 paperBuy participating Natures Bounty, Sundown, Ester-C, Osteo, Pure Protein, Good N Natural, Disney Gummies, Body Fortress or Met-Rx products Buy $30 get 5,000 or Buy $40 or more get 10,000 points (monthly deal)
Ester-C 500 mg (90 ct) tablets - $10.99
Body Fortress whey protein (2 lb) - $21.99 and BOGO 50% on 1/6
Body Fortress Muscle SUP180 - $24.99 and BOGO 50% on 1/6
Mq in Sunday 1/6 paper
Met-RX Big100 (3.52 oz) or Protein Plus (3.17 oz) bar BOGO 50% on 1/6
Met-RX Big100 Colossal (3.5 oz) bar - $2.99 and BOGO 50% on 1/6
Mq in Sunday 1/6 paper
Natures Bounty BOGO 50% on 1/13
Osteo Bi-Flex (80 or 120 ct) $29.99 and BOGO 50% on 12/30 & 1/6
Oesteo Bi-Flex T/S Adv (120 ct) - $39.99 and BOGO 50% on 12/30 & 1/6
Advil- Buy 2 participating products get 2,000 or Buy 3 or more get 4,000 points (monthly deal)
Pain Relief tablets (50 ct), (20 ct) PM or (40 ct) Liqui-gels - $4.99 on 1/13
Infant drops (.5 oz) or Childrens (4 oz) liquid - $4.99 on 1/13
Thermacare knee/elbow (2 ct) - $4.99 on 1/13Almay products Buy 2 get 2,000 points Items BOGO 50%Centrum or Caltrate products Buy 2 get 2,000 points Items BOGO 50% (monthly deal)Cerave products Buy 2 get 1,000 points Items BOGO 50%Colgate Buy 2 get 2,500 points (monthly deal)
Total Advance Clean (5.8 oz) toothpaste 2/$7
360 Optic White full, Sensitive Pro-Relief or 360 42mm toothbrush 2/$7Colgate Max Fresh (6 oz) toothpaste or Max Fresh toothbrush - $2.99 Buy 1 get 1,500 points
Colgate Total Advance Clean (4 oz) - $2.99 Buy 1 get 1,500 pointsCrest or Oral-B products $2.99 - Buy 3 get 4,000 points
3D White Vivid Radiant or Arctic Fresh (4 oz)
Pro-Health mouthwash (500 ml) or (6 oz) PH or PH for Life (6 oz) toothpaste or PH For Me kid rinse (16.9 oz)
Oral-B Pro Health or Cross ActionDigestive health products Buy $25 or more get 5,000 points (monthly deal)
Culturelle (30 ct) - $19 on 1/13
Dulcolax tablets (25 ct) - $6 on 1/13
Ex Lax (24 ct) - $6
Lactaid Fast Acting (32 ct) caps
Miralax Sachet (10 ct)
$1 mq in Sunday 1/6 paper
Pepto Bismol (10 oz) liquid, Pepto To Go (24 ct) or Child (24 ct) tabs - $6 on 1/13
Prilosec OTC 20 mg (28 ct)
Walgreens Lansoprazole 15mg (42 ct) caps
Walgreens Smooth 30 day laxative (17.9 oz)
Walgreens Stool softener 100 mg (200 ct)
Walgreens Super probiotic (60 ct) caps
Wal-Zan 150 mg (24 ct)
Zantac 150mg (24 ct) tabs - $9 on 1/13Dove, Caress or Lever 2000 products Buy $15 get 1,500 points
Caress bar - $1.59
Caress body wash (12 oz) - $3.99
Dove bar soap - $1.43 or (2 pk) - $3.83 or (6 bar) - $7.59
Dove Men body wash (13.5 oz) - $4.39
Dove body wash (24 oz) - $7.19 or (12 oz) - $5.03
Lever 2000 (2 pk) - $1.99Dr. Scholl foot care products Buy 2 get 2,000 points Items 25% off
Ultra think corn removal (9 ct) - $4.11
Corn cushion (6 ct) or deodorant powder (4.7 oz) - $4.49
Hidden Arch support (1 pair) - $5.24
For Her heel liner (3 ct) or gel heel cushion (2 ct) - $5.99
Wart removal items ($9.74 - $14.99)
Messaging gel insole - $9.36
Messaging gel arch support (2 ct) - $10.49
List Lotrimin & Clear Away products in this dealFinest Nutrition participating products Buy $30 get 3,000 or Buy $40 or more get 5,000 points Items BOGO 50% (monthly deal)
(cheapest listed)
Iron 28 mg (100 ct) tablet - $4.99
Vitamin C 500 mg (100 ct) - $4.99
Vitamin B w/C 1200 mg (100 ct) - $5.99
Vitamin B12 500 mg (100 ct) - $6.49Garnier Fructus hair care products Buy $15 or more get 4,000 points (monthly deal)Gerber Buy $15 or more participating products get 1,500 points
Gerber 2nd 4/$5
Puffs, cookies, biscuits or Lil Crunchies 2/$4
Lil entrees, Fruit Splashers, Yogurt Melts 2/$6Keebler or Cheez-it, select products 3/$6 - Buy 3 get 1,000 pointsKraft singles or Oscar Mayer Deli meats 2/$6 Buy 2 get 1,000 pointsLindt (5.1 oz) bags 2/$7 Buy 2 get 250 pointsMucinex DM Bi-Layer (40 ct) tablets - $19.99 Buy 1 get 3,000 pointsNice bagged candy - $.99 Buy 2 get 100 points (chocolates)Nice peanuts 2/$5 Buy 2 get 500 pointsOpti Free Puremoist multi-purpose disinfectant (10 oz) - $8.49 Buy 1 get 1,000 pointsP&G Buy $15 or more participating products get 3,000 points (monthly deal)
Always/Tampax BOGO 50%
Cover Girl BOGO 50%Pepsi, Frito Lay, Aquafina, Starbucks or Lipton products Buy $15 or more get 3,000 points (monthly deal)
Doritos (11.5 oz), Tostitos or Lays chips or dip 2/$5
Aquafina (24 pk) - $3.99
Pepsi 2 L 4/$5
Pepsi, Mountain Dew, Sierra Mist Fridgemate (12 pk) 4/$10Post cereals 2/$5 Buy 4 get 1,000 pointsPowerade, Vitamin or Smart water 5/$5 Buy $5 get 500 pointsReplenish multi-purpose solution (10 oz) - $8.49 - Buy 1 get 1,000 pointsRevlon Buy $10 or more participating products get 2,000 points (monthly deal)Schick, Edge or Skintimate products Buy $20 get 10,000 points
Edge shave gel (7 oz) - $3.29 - $3.99
$.55 mq in Sunday 1/13 paper
Schick Hydro shave gel (8.4 oz) - $3.99
Schick Intuition razor - $11.99
$2 mq in Sunday 1/13 paper
Schick Quattro women razor - $9.99 or (4 ct) cartridge - $12.99
Schick Quattro Titanium cartridge (4 ct) - $11.99
Skintimate shave gel (7 oz) - $3.49 - $4.29SC Johnson products Buy 2 get 1,000 or Buy 3 or more get 2,000 points Items 25% off
Fantastik (32 oz) - $2.99
Pledge (9.7 oz) - $4.11
Shout (22 oz) - $2.84
Scrubbing Bubbles bath cleaner or kitchen (16 oz) - $2.69
Scrubbing Bubbles toilet gel Fresh (6 ct) - $3.21
Scrubbing Bubbles Mega Shower foamer (20 oz) - $3.96
Vanish Drop-In bowl cleaner (1.7 oz) - $1.49
Windex (26 oz) or wipes (28 ct) - $3.21Tide Pods, Gain or Downy Unstopables Buy 2 get 500 points
Gain 2X (50 oz) liquid or Tide Pods (16 ct) or Downy Unstopables (9.7 oz) - $4.99Tresemme hair care products Buy 2 get 1,000 points ($4.99 - $5.99) and BOGO 50%Vicks products Buy $20 or more get 4,000 points (monthly deal)
Nyquil or Dayquil (12 oz) or new Nyquil D - $6.49 on 1/13
Natures Fusion Cold/Flu (20 ct) caps or (8 oz) syrup - $6.49 on 1/13
Sinex spray (.5 oz) or (24 ct) Liquicaps - $6.49 on 1/13Vidal Sassoon products $4.99 - Buy 2 get 1,000 pointsViva, Cottonelle or Scott products Buy 2 get 1,000 points
Cottonelle Ultra or Clean Care (12 ct) - $5
Scott bath tissue (12 ct) - $7.49
Viva (6 roll) - $5.99Walgreens Childrens Cough & Cold, Thermometer, Childrens Tylenol or Childrens Motrin products Buy 2 get 2,000 points (monthly deal) Wags items BOGO 50%Wrigley Extra, Wrigley brand and Mentos Up2U 3/$2 Buy 3 get 100 pointsOther sale items:Dove or Degree deodorant - $1.99Folgers classic - $3.49 or Decaf - $4.49Gillette Mach3, Custom Plus3 disposables or Shave gel BOGO 50%Listerine Ultra Clean Arctic or Cool Mint, Total Care , Zero (500 ml) - $2.74 or Pocket Mist spray - $3.24
Listerine Smart Rinse Barbie (16.9 oz) - $2.99Maxwell House Instant - $3.99 or Decaf Instant - $3.99Nice Draw String, Twist Tie or Wing Tie Tall Kitchen or Trash bags - $4.99Ocean Spray juice BOGO at $4.49Puffs - $.99Schiff Mega Red products BOGO 50%
$3 IVC in Jan. book
Mq in Sunday 1/13 paperW Premium diapers 2/$10Fillers:Russell Stover heart bar - $.39Mars bars or singles - $.59Nice candy - $.69Lindsay olives - $.99Sunny Smile paper plate - $.99Rebate:
From the January IVC/Easysaver Book
$20 MIR Renew Life Ultimate Flora Daily Probiotic plus Fiber, 30 pk. *Limit 1
$20 MIR FlexAid Joint Formula 90ct. *Limit 1
$14.99 MIR Phase+ for Diabetics Foot Therapy, 6oz. *Limit 1
$7.99 MIR Phase+ for Diabetics Exfoliating Waash, 8oz. *Limit 1
$4 MIR wyb two or more participating Similac products below.
Similac Infant Formula 22 to 23.2 oz.
or Prenatal Dietary Supplement 2pk, 30ct ea. *Limit 1
* In Rhode Island, rebate limit is two (2). thx pwcpal/sd
FREE Coke Zero at Thorntons Stores (FB)
Added on : Tuesday January 08th 2013 01:00:51 PM
Get a FREE Coke Zero at Thorntons Stores! Valid January 8-14. You will need to Like Thorntons on Facebook and if you do not see the coupon. Click the COUPON Tab at the top of their page, just above the video.Link it up here.....https://www.facebook.com/thorntonsinc/app_116119781806554
Thank the monkey by throwing him some bananas (green) if this works for you.
I have found a way to put infinite money in a Roth IRA!
Added on : Monday January 07th 2013 04:01:02 PM
Inspired by a worthless post on how to borrow money tax free from an IRA I present an equally complicated way that you can actually put as much money as you can afford into a Roth IRA.The gist of it is you're going to open two Roth IRAs simultaneously and take completely opposite positions in the two. You will use a complex options strategy to make it very likely that one account will go broke while the other doubles in value. You will then "undo" the contribution to the loser account, while leaving the winning account in tact. The contribution limit for 2013 is $5,500 so the winning account will have $11,000. If that's all you want to do you stop, otherwise continue:Make two more accounts, do the same trick. Now you have two accounts with $11,000 and two zeroed accounts that have been undone. You then bet the two $11,000 accounts against each other so you have just one account left with $22,000. By now you get the point and you can keep on doing this forever in theory, by simply undoing contributions except for the last one which has all the money in it. Because you always bet on opposite sides of an option bet you're only ever out your commissions.The specifics of why this should work:We all know you can only contribute $5,500 to your IRA for the year. But you can open as many IRAs as you want so long as you withdraw all excess contributions and earnings before the end of the year. Publication 590 says: "If you withdraw contributions (including any net earnings on the contributions) by the due date of your return for the year in which you made the contribution, the contributions are treated as if you never made them. If you have an extension of time to file your return, you can withdraw the contributions and earnings by the extended due date. The withdrawal of contributions is tax free, but you must include the earnings on the contributions in income for the year in which you made the contributions." So even if I make 64 accounts at the start of the year and have them battle against each other until there is just one account standing with all the money, I am technically fine so long as I withdraw all contributions for all but 1 of the accounts. I just pick all of the losing accounts to undo, none of which have any earnings to include in income (note you cannot deduct the losses), and I am left with one account with a giant balance. It's as if the first 63 accounts never happened and I just got incredibly lucky with options bets on that one account.Now what investment could you make that would guarantee one account to double in value and the other to go to zero? You need a broker that will let you trade option spreads. In general IRAs cannot hold short positions in stocks or options, because those have infinite potential losses and they would not let your IRA go negative. But you are allowed to short an option if you limit you loss by buying another option that will offset any losses after a certain point. Let's say the SPY ETF is at $146. What you would do with your $5,500 short 55 call options with a $146 strike while simultaneously buying 55 call options with a $147 strike in the first account. On your second account you do the opposite and buy the 55 $146 strike call options while shorting the 55 $147 strike options. Now the first account will go broke if at the end of the contract SPY is anywhere above $147, and will double in price (net of spread and commissions) if the price ends at anything under $146. The other account will do the opposite. It will double if SPY ends above $147 and be broke if it ends under $146. If it ends in the middle one account will make some money and other will lose the same amount.Now if you followed any of that, you will probably be thinking you will get killed in commissions and bid/ask spread by buying so many contracts, and while that is the case you could certainly choose much wider spreads which would require you to buy many fewer contracts. If you chose a $5 spread, 145/150 for example, you would only need 11 contracts per account to be pull this off. The downside is you make it more likely that the price will end in the middle and leave both accounts with some money, which would make the process trickier to continue (but not impossible).So there's my strategy. I can't imagine anyone bothering to try and pull it off on a large scale but from everything I've read it should work.
Free in store pick up at fry's or it's showing $14.59 for shipping for me. Linky
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From what I understand, in 2010 the income limitation for converting money in an IRA to a Roth IRA was eliminated. So I am considering converting some money in my regular IRA into my Roth IRA. And I need a sanity check to see if I am overlooking something.I am 54 and single and will have no earned income in 2013 (I am living off my savings now). My interest income will be around $4000. I expect a capital loss (from carryover) of $3000. I cannot itemize (not enough deductions). I estimate dividends to be around $3500. My plan is to estimate my current 2013 taxes as best I can and convert an amount currently in my regular IRA to my Roth IRA so that I am comfortable with the tax rate (if any) that I would have to pay for 2013. I won't be converting a lot - probably just enough ( a few $1000) to keep me at zero owed taxes.Does this make sense? Am I overlooking anything?
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$1/3 General Mills Big G cereals (2/16/13)
$.50/1 Goody 24ct+ Ouchless Elastics (2/15/13)
$.60/3 Green Giant frozen boxed vegetables (3/2/13)
$.75/3 Hamburger Helper skillet dishes (3/2/13)
$.50/2 Nature Valley 5ct+ Granola Bars or Granola Thins (3/2/13)
$1/1 Neo-Synephrine product (3/31/13)
$.55/1 Odwalla 12oz+ beverage (2/28/13)
$.55/2 Odwalla bars (2/28/13)
$2/1 One A Day product (2/28/13)
$1/1 Oscar Mayer Carving Board meat (3/3/13)
$1/2 Oscar Mayer Deli Fresh lunch meat (3/3/13)
$2/1 Phillips product (3/31/13)
$.40/2 Pillsbury Sweet Rolls or Grands! Sweet Rolls (3/30/13)
$.40/3 Pillsbury refrigerated Grands! biscuits (3/30/13)
$.50/2 Pillsbury Toaster Strudel, Toaster Scrambles Pastries or Pancakes (3/30/13)
$.75/2 Pillsbury refrigerated cookie dough (3/30/13)
$1/1 Playtex Gentle Glide tampons or Sport tampons (2/24/13) 2 coupons
$1/1 Playtex On The Go wipes or Sport Body wipes (2/24/13)
$.25/1 Progresso light soup cans (3/2/13)
$.50/2 Progresso soup cans (3/2/13)
$3/2 Refresh products (3/15/13)
$4/1 Refresh Optive Advanced product (3/15/13)
$1/2 Ricola bags (3/6/13)
$1.50/1 Rubbermaid LunchBlox product (2/15/13)
$1/1 Rubbermaid Easy Find Lids, Produce Saver, Lock-its, Glass or Premier container (2/15/13)
$1/1 Rubbermaid Hydration bottle (2/15/13)
$1/1 Starbucks 11oz+ packaged coffee or 10 or 16ct k-cup pack (2/9/13)
$3/2 Starbucks 11oz+ packaged coffees or 10 or 16ct k-cup packs (2/9/13)
$3/1 TruBiotics product (2/28/13)
$.50/1 Ultra Palmolive 20oz+ dish liquid (1/19/13)
$1/1 Vanquish product (3/31/13)
$.40/6 Yoplait yogurt cups (3/2/13)
$.50/2 Yoplait Greek yogurt cups (3/2/13)
$.50/8 Yoplait yogurt cups (3/2/13)
$.75/2 Yoplait Go-Gurt, Kids Cup, Trix multipack and Splitz yogurt (3/2/13)
::Smart Source #3$1/1 Air Wick Freshmatic Ultra refill (2/3/13)
$1/1 Air Wick Freshmatic Ultra starter kit (2/3/13)
$1/1 Air Wick Scented Oil Mega or Triple refill (2/3/13)
$1/1 Air Wick Scented Oil twin refill pack or 2 single refills (2/3/13)
$.50/2 Campbells 100% Natural soups (3/15/13)
$.50/1 Easy-Off oven cleaner (2/28/13)
$.35/1 Glass Plus product (2/28/13)
$1/2 Golden Grain 100% Whole Grain products (2/9/13)
$1/1 Lean Cuisine Salad Additions variety (4/6/13)
$1/5 Lean Cuisine varieties (4/6/13)
$.50/1 Lime-A-Way cleaner (2/28/13)
$.50/1 Lysol 12.5oz+ disinfectant spray (2/5/13)
$.50/2 Lysol disinfecting wipes (2/5/13)
$.50/2 Lysol toilet bowl cleaners (2/5/13)
$2/1 Lysol No-Touch hand soap system starter kit (2/5/13)
$1/1 Mitchum mens or womens product excludes trial and multipacks (2/10/13)
$.50/1 Mop & Glo product (2/28/13)
$1/1 Mucinex product (3/31/13)
$1/1 Nature Made magnesium product (3/6/13)
$2/1 Nature Made adult gummies product (3/6/13)
$2/1 Nature Made full strength MINIs product (3/6/13)
$2/1 Nature Made VitaMelts prdouct (3/6/13)
$2/2 Nature Made products (3/6/13)
$.75/1 Old English product (2/28/13)
$1 off $5+ Post-it flag purchase (2/17/13)
$1 off $5+ Post-it Super Sticky Note or Full Adhesive Note purchase (2/17/13)
$2 off $5+ Post-it dispenser purchase (2/17/13)
$2 off $5+ Post-it tab or pocket purchase (2/17/13)
$1/3 Purina Friskies Party Mix cat treats (3/6/13)
$2/1 Purina 3lb+ dry pet food TARGET COUPON (2/28/13)
$2/2 Purina 6oz+ Beggin (3/6/13)
$2/2 Purina Busy (3/6/13)
$2/1 Revlon cosmetic item TARGET COUPON (2/5/13)
$1/1 Schick disposable razor pack excludes 2ct (2/3/13)
$3/2 Schick disposable razor packs excludes 2ct (2/3/13)
$.40/2 Swanson 26oz+ broth or stock cartons (3/31/13)
$2/1 Zantac 24 or 30ct product (2/6/13)
$5/1 Zantac 50ct+ product (2/6/13)
::Red Plum 1$1/1 ACT product ets (2/24/13)
$2/1 Allegra product excluding 2 & 5ct (2/24/13)
$5/1 alli 90ct+ product (3/31/13)
$.45/1 Angel Soft 4pk double roll or larger bathroom tissue (2/28/13)
$5 Target gift card wyb 3 Chattem products; Selsun Blue, Gold Bond Ultimate, Icy Hot, Act, Cortizone-10, Unisom, Aspercreme, Allegra ets TARGET COUPON (1/19/13)
$1/1 Clairol color product or herbal color(2/28/13)
$1/1 Crotizone 10 product ets (2/24/13)
$1/1 Disney/Marvel gummy vitamin (2/20/13)
$2/1 Ester-C to go (2/20/13)
$3/1 Ester-C tablet (2/20/13)
$1/1 Gillette disposable razor ets (2/28/13)
$3/1 Gillette Mach3 disposable razor ets (2/28/13)
Buy 1 Gillette Series or Fusion Shave Prep, get 1 Fusion Shave Prep free up to $3.99 ets (2/28/13)
$1/1 Gold Bond 6.5oz or smaller body lotion ets (3/6/13)
$2/1 Gold Bond 7oz+ body lotion (3/6/13)
$1/1 Gold Bond Ultimate product ets (2/24/13)
$1.50/1 Goodn Natural multi-pack or 6+ single bars (2/17/13)
Free Goodn Natural bar up to $1.50 (2/17/13)
$1/1 Icy Hot/Aspercreme product ets (2/24/13)
$1/6 MET-Rx minis singles or 1 value pack (2/17/13)
$2/2 MET-Rx bars (2/17/13)
$.75/1 Nasoya Pasta Zero (4/7/13)
$1.25/2 Nasoya products (4/7/13)
$1/1 Natures Bounty vitamin or supplement (2/5/13)
$2.50/1 Natures Bounty fish oil or CoQ-10 (2/5/13)
$4/1 Natures Bounty Optimal Solutions product (2/5/13)
$5/1 Natures Bounty Optimal Solutions shake mix (2/5/13)
$.75/1 Newmans Own lite salad dressing (2/16/13)
$10/1 Nicorette gum 100ct+, NicodermCQ 14ct+ or Nicorette Lozenge 72ct+ (2/10/13)
$3/1 Osteo Bi-Flex 30-60ct (2/20/13)
$5/1 Osteo Bi-Flex 70ct+ (2/20/13)
$1/1 Pedigree 3.5lb+ dry food for dogs (3/2/13)
$1/1 Pedigree Little Champions 8 or 12ct pouch variety pack or 6 single pouches, trays or 13.2oz cans (3/2/13)
$3/1 Prilosec OTC RITE AID COUPON (1/19/13)
$1/2 Pure Protein bars (2/24/13)
$2/1 Pure Protein 4pk 23g shakes, 1lb or 2lb protein powder or value packs (2/24/13)
$1/1 Purex liquid detergent or UltraPacks detergent ets (2/2/13)
$1/1 Selsun Blue product ets (2/24/13)
$1/1 Slim-Fast bar or snack bites (2/3/13)
$1/1 Slim-Fast shake multi-pack or shake mix (2/3/13)
$1/1 Sundown Naturals vitamin or supplement (2/5/13)
$2/1 Sundown Naturals 120ct+ product (2/5/13)
$1/1 Unisom product ets (2/24/13)
$3/1 Venus razor AND 1 refill excludes disposables and trial (2/28/13)
$2/1 Venus/Daisy Venus disposable, Daisy disposable or Daisy3 disposable ets (2/28/13)
$1/2 Vidal Sassoon shampoo, conditioners or stylers RITE AID COUPON (1/19/13)
$2/1 Vidal Sassoon hair color RITE AID COUPON (1/19/13)
::Red Plum 2$2/2 all liquid, powder or mighty pacs laundry detergents ets (2/7/13)
$1/1 Aquafresh 5.6oz+ Extreme Clean (3/3/13)
$2/1 Caltrate product (3/3/13)
$2/1 Centrum 56ct+ Specialist multivitamin (2/2/13)
$2/1 Centrum 60ct+ Flavor Burst Chews (2/2/13)
$3/1 Centrum 100ct+ regular or Silver mutivitamin (2/2/13)
$8/both Centrum 80ct+ multivitamin AND any ProNutrients supplement (2/2/13)
$1/1 Dimetapp Childrens product (3/2/13)
$.50/1 Fiora/Paseo bath tissue excluding single roll (2/28/13)
$1/1 Fiora/Paseo 12-roll bath tissue or 8-roll paper towel (2/28/13)
$1/1 Hefty waste bags (3/31/13)
$.55/1 Kibbles n Bits dry dog food (3/6/13)
$.55/1 Land OFrost Bistro Favorites, Premium, DeliShaved or Canadian Bacon (2/6/13)
$1/1 Land OFrost sub sandwich kit or wrap kit (2/6/13)
$1/1 LOreal Paris skincare item ets (3/2/13)
$1/1 LOreal Studio Line styling product (3/2/13)
$2/1 LOreal Advanced Haircare shampoo or conditioner (3/2/13)
$2/1 LOreal Advanced Haircare treatment (3/2/13)
$2/1 LOreal haircolor product (3/2/13)
$2/1 LOreal Paris powder, concealer, primer or blush excludes Magic Perfecting Base .17floz mini size (3/2/13)
$3/1 LOreal Paris cosmetic face product excludes Magic Perfecting Base .17floz mini size (3/2/13)
$1/1 Maybelline New York mascara (3/2/13)
$.75/1 Meow Mix 3lb+ dry cat food (3/2/13)
$.75/6 Meow Mix single cat food cups or 1 cat food variety pack (3/2/13)
$2/1 Nivea 13.5oz body lotion (2/3/13)
$2/1 Nivea 8.4-16.9oz body lotion (2/3/13)
$3/2 Nivea .59oz tin, .17oz stick or .3oz tube lip care products (1/20/13)
$1/1 Sensodyne 4oz+ product (3/3/13)
$1/1 Sensodyne 4oz+ ProNamel product (3/3/13)
$.50/1 Snuggle fabric softener liquid or dryer sheets (2/7/13)
$1.50/1 Splenda Nectresse natural no calorie sweetener dnd (3/23/13)
$.55/2 StarKist single serve pouch products (3/3/13)
$1/1 Surf laundry detergent (2/17/13)
thx lrwc/
CVS 1/13 - 1/19
Added on : Tuesday January 01st 2013 03:01:19 PM
All are limit 1 unless stated otherwiseGet $3 ECB wyb (3) American Greetings Cards priced $1.99+ Limit 1
FREE after ECB (Typically the $0.99 cards still work for this deal)Get $4 ECB wyb (4) of the following Valentine's Day Candy 4/$12 Limit 1
Valentines M&Ms 7-12.6oz
Dove Chocolate Minis or Hearts 7.94-9.5oz
Snickers Fun Size or or Mars Chocolate Minis 9-11.5ozGet $2 ECB wyb Olay Regenerist or Total Effects Tone (excludes clearance items, kits and treatments) $20.99 Limit 1
$2/1 Olay Total Effects Facial Moisturizer or Cleanser, (RP 12/09/12)
$3/1 Olay Pro-X or Regenerist Facial Moisturizer, (RP 12/09/12)
$2/1 Olay Total Effects Facial Moisturizers or Age Defying Series Facial Moisturizer, (P&G 12/30/12)
$3/1 Olay Regenerist Facial Moisturizer or Facial Hair Removal Duo, (P&G 12/30/12)Get $5 ECB wyb $15 on ANY L'Oreal Eye or Lip (excludes clearance) Limit 1
$1/1 L'Oreal Paris Eye Product, (RP 12/09/12)
$1/1 L'Oreal Paris Eye Shadow or Eyeliner, (RP 12/09/12)Get $5 ECB wyb $15 on ANY Maybelline Foundation, Powder, Blush, Concealer or Eye (excludes clearance) Limit 2
$1/1 Maybelline New York Eyeshadow or Eye Liner, (RP 12/02/12)
$1/1 Maybelline New York mascara (RP 1/6/13)Get $3 ECB wyb Almay Intense i-Color Shadow, liner or mascara $5.99(excludes clearance) Limit 6
$2/1 Almay cosmetics purchase(tearpad found at CVS) *exp. 2/4/13Get $10 ECB wyb SensatioNail Gel Polish starter kit $49.99 (excludes clearance) Limit 1Get $3 ECB wyb $10 on these Products: Limit 1
Dial, Tone Bar 2-3pk or Dial Complete Hand Wash 7.5 oz $2
Select Right Guard, Dry Idea APDO (excludes Twin pks and aerosals) or Total Defense 5 Body Wash 13.5oz $3
Dial, Tone Body Wash 16-18oz or Dial Bar Soap 8pk $4
Dial NutriSkin Lotion 21 oz $5
$1/1 Dial 12oz+ lotion product (RP 1/13/13)
$1/2 Dial 6oz+ regular or for men body washes (RP 1/13/13)
$1/3 Dial liquid or foaming hand soap or 3pk+ bar (RP 1/13/13)
Get $5 ECB wyb $15 on ANY Garnier Skin Care (excludes clearance) Limit 1
$2/1 Garnier moisturizer (RP 1/13/13)
$2/1 Garnier Moisturizer, (RP 11/04/12 R)(RP 12/02/12)
$1/1 Garnier Cleanser, (RP 10/28/12 R)Get $6 ECB wyb (2) Curel 13-16 oz or Jergens 16.8-21oz Limit 1
$1/1 Curel Moisturizer, 7.5oz+ (SS 12/02/12) *exp. 1/13
$2/1 Curel Intensive Healing Cream, (SS 12/02/12) *exp. 1/13Get $4 ECB wyb $12 on these Suave Products: Limit 1
Suave Keratin, Moroccan shampoo, conditioner 12.6oz, mask 8oz, almond/shea butter or men's shampoo/conditioner 28oz 2/$6
Suave Professionals Natural, Kids, Men's or Stylers 5-22.5 oz 3/$5
Suave Body Wash 12oz 2/$4Get $10 ECB wyb $30 on ANY Pantene Expert Shampoo or Conditioner 8.4-10.1oz (excludes clearance) Limit 1
$3/2 Pantene (P&G 12/30)Get $5 ECB wyb $15 on ANY Garnier Nutrisse Hair Color or Color Foam (excludes clearance) Limit 1
$2/1 Garnier Nutrisse Nourishing Color Creme, (RP 12/09/12) (RP 1/13/13)Get $5 ECB wyb ANY Gillette Fusion ProGlide or Venus Razor 1ct (excludes clearance) Limit 1
$3/1 Venus Razor (Parade 12/16/12)
$4/1 Gillette Fusion ProGlide Styler (USA weekend or Parade 12/16) *if included
$5/both Venus razor AND refill pack excludes disposables (P&G 12/30)
$10 off One ProGlide Razor wyb Gillette Cartridge or Disposable (RP 12/2)
$5 off Gillette ProGlide razor when you buy 4ct+ cartridge or disposable(P&G 12/30)Get $2 ECB wyb ANY Multi-Pack Crest, Fixodent, Glide or Oral-B (2 and 4 packs only, excludes brush heads, Crest 3D and clearance) Limit 2
$.75/1 Fixodent cleanser(P&G 12/30)
$1/1 Fixodent 1.05oz+ adhesive(P&G 12/30)
$.50/1 Oral-B 35m+ Glide floss or 30ct+ Glide floss picks(P&G 12/30)
$.75/1 Oral-B Pulsar, 3D White, Pro-Health or Complete or $.75/2 Indicator or Cavity Defense toothbrushes(P&G 12/30)
$1.50/1 Crest Rinse, 458mL+ (P&G 12/30)
$0.50/1 Crest Toothpaste or Liquid Gel, 4oz+(P&G 12/30/12)Get $10 ECB wyb ANY Crest 3D Whitestrips Limit 2
$10 MIR Crest 3D White Intensive Professional Effects, Professional Effects or 2 Hour Express Whitestrips, 7-ct. 3D White Intensive Professional Effects, 20-ct. Professional Effects or 4-ct. 2 Hour Express Whitestrips; Valid 12/30-6/30 (P&G 12/30/12)Get $5 ECB wyb $10 on Select Crest 3D White Paste, Rinse or Brush (excludes clearance) Limit 2
$.75/1 Oral-B Pulsar, 3D White, Pro-Health or Complete or $.75/2 Indicator or Cavity Defense toothbrushes(P&G 12/30)
$1.50/1 Crest Rinse, 458mL+ (P&G 12/30)
$0.50/1 Crest Toothpaste or Liquid Gel, 4oz+(P&G 12/30/12)Get $4 ECB wyb (2) Prevacid 24 hour 42 ct 2/$50 Limit 3
* shows $6/2 MQ Coming in 1/13 PaperGet $3 ECB wyb (2) of these Cold Products below: Limit 5
Dimetapp, Robitussin Liquid 4oz or Robitussin 20ct $4.99
Nyquil/Dayquil 48ct, liquid 24oz, Nature Fusion Liquid/Tablet Combo pk or VapoRub 6oz $10.99
Mucinex Fast-Max 20ct or Liquid 6oz $10.99
$1/1 Dimetapp Children's Product, (RP 12/9)(1/6/13)
$1.50/1 Vicks Nature Fusion excludes VapoDrops and ZzzQuil (P&G 12/30)
$1/1 Vicks product excludes VapoDrops and ZzzQuil(P&G 12/30)Get $3 ECB wyb (2) Zicam Spray .5oz, oral mist 1oz, chewables or RapidMelts 18-25 ct 2/$20 Limit 2
$1/1 Zicam Product, (SS 11/04/12 R)Get $10 ECB wyb Select CVS Blood Pressure Monitors or Pulse Oximeter PSA $49.99 Limit 1Get $5 ECB wyb CVS Stop Smoking Aid Gum 100-110 ct, patch 14ct, or lozenge 72 ct $29.99 Limit 1
BOGO DEALSEdy's Ice Cream 48oz
CVS Alkaline Batteries AA AAA 4pk
Ponds Towelettes 30ct or facial cream 9.5-10.1 oz
Naturemade CoQ10 40-80ct, Cholest Off 60-120 ct, fish oil 60-300 ct, flaxseed 100-180 ct or krill oil 60 ct
CVS or Radiance Vitamins Limit 6
Nature's Bounty or Flex-a-min (excludes Optimal Solutions) Limit 4
$1/1 Nature's Bounty vitamin or supplement (RP 1/6/13)
$2.50/1 Nature's Bounty fish oil or CoQ-10 (RP 1/6/13)
$4/1 Nature's Bounty Optimal Solutions product (RP 1/6/13)
$5/1 Nature's Bounty Optimal Solutions shake mix (RP 1/6/13)
Colgate Total Advanced, Whitening 7.6-7.8oz or Optic White 5.5oz Limit 4OTHER SALESGold Emblem Peanut Butter $2.99
Mars or Tic Tac Singles BOGO $.25
Kellogg's Pop Tarts 8ct 2/$4
Wonderful Pistachios $3.99
Capri Sun or Kool Aid 10pk $2.99
Austin Crackers 8pk 10/$10
Kraft Macaroni & Cheese 10/$10
Renuzit Adjustable Air Freshener 7.5 oz $.88
Schick Extreme3 Superpack 4+4ct total $7.99
$2/1 Schick Disposable Razor Pack, excludes 2ct (SS 12/02/12) *exp. 1/13/13
Vitaminater 20oz or Powerade 32oz 4/$5
$1/4 CRT Printing From the Red Machine starting 1/13
Campbell's Chicken Noodle or Tomato Soup 10.75 oz $0.77FREE CVS Glass Scale wyb $30 on the following Weight Loss Products: Limit 5Balance Bar 1.76oz 5/$5
Pounds Lost Shot 2pk $3.99
Right Size Smoothie Drink Mix 18.5-20.5oz
Kellogg's Special K Protein Shakes 4pk or bar 6pk 2/$12
NV 60ct, Hydroxycut, Xenadrine or ALL Slimquick dietary supplement $19.99
Fastin, Lipodrene 30-45 ct, Hi-Tech rasberry ketone, saffron or coffee trim 90ct $19.99Get a $10 CVS Cash Card wyb $30 of the following products: Limit 5Coke Product 12 pk 12 oz cans 3/$9
Coke 7.5oz cans 2/$6
Coke Product 2 liter bottles 4/$5
Wheat Thins, Triscuit or Ritz 9-15.1oz 2/$6
Powerade 8pk or Vitamin Water 6pk $3.99
Planters Peanuts 16oz 2/$6
Hershey's or Brookside Pouches 7-11oz 2/$6
Hershey's Kit Kat or Reese's Snack Size 10.5 - 10.78oz 2/$5
Wisk $4.99
Scott Bathroom Tissue 12-18 pk $7.49
Cottonelle Bathroom Tissue 18pk or Scott Paper Towels 12pk $9.99
Cottonelle Wipes 42ct or Kleenex Hand Towels 60ct 2/$5
Pantene Shampoo, Conditioner 12.6oz or Styler 5.7 - 11.5oz 2/$7
ALL Covergirl Face, Eye, Lip or Outlast Nail BOGO 50%
ANY Huggies Jumbo Pack Diapers, Pull-Ups or Goodnites $9.49
Depend Silhouette or Real Fit 10-12 ct, underwear 14-20 ct, guards 52ct $10.99
Poise or Poise Hourglass Pads 27-66ct (excludes 45ct Value Pack) $10.99
Kotex Pads 28-44ct, Lightdays 80-135 ct, or Tampons 36ct $4.99
U by Kotex Liners 50-60 ct, pads 14-18 ct, or Tampons 18ct $3.99
$1/1 MQ Coming in 1/13 Paper
Huggies Wipes 168-184 ct $5.99
Luvs Ultra Leakguards Jumbo pack $7.99
Huggies Big Pak Diapers, Pull-Ups or Goodnies $19.99
Poland Spring or Deer Park Natural Spring Water 16.9oz 12pk+ 4 Bonus Packs $3.99
Dawn 9-10.3 oz $.99
Prilosec 42ct $24.99
Kleenex 184ct, lotion, ultra soft, cool touch or slim pack 30-75ct 2/$3
Duracell Alkaline AA, AAA 8pk, C, D 4pk, 9 volt 2pk, Lithium Power AA, AAA 6 pk $5.99
Glade Scented Oil Plugins Refill 2pk 1.34oz total or Expressions Mist 7oz $4
Glade Fabric Spray 22oz, Oust, Sense & Spray Refill, candle refill, Plugins Refill .28-.71oz or candle $3
Glade Sense & Spray or Lasting Impressions Kit $5
Fancy Feast Cat Food 3oz 10/$5.50
Pedigree dog food 4.4oz or Purina Friskies 3.15lbs 2/$9
Arm & Hammer Super Scoop Cat Litter 14lbs $5.99
Select Dog Treats Waggin' Train or Beggin' Strips and more $9.99
Tide or Gain Liquid 19-32 loads $5.94
Always Infinity Radiant pads 24-36ct, Radiant liners 128ct or Tampax Pearl/Radiant 36-40 ct $6.99
Select Gillette or Old Spice Premium APDO 2.6-4oz BOGO 50%
$1/4 Sprite, Sprite Zero, Seagrams, Mello Yello, Fresca or Fanta Toronja, 2-Liter bottles, Mix or match (SS 12/09/12) *exp 1/13
$1/2 Coca Cola Glass Bottles, Mini Cans, or Bottles, 6-pk., 8-oz. Glass bottles; 8-pk. 7.5-oz. mini cans; 8-pk., 12-oz. bottles or 6-pk. 0.5-L. bottles (SS 12/09/12) *exp 1/13
$1/2 Planters Nuts Product, 4-21.4oz (SS 11/11/12 R)
$1/2 Planters 4-21.5oz products excluding pistachios dnd (SS 12/2) or HERE
$1/1 Wisk 45oz+ laundry detergent (RP 1/13/13)
$3/2 Pantene Products, ets (P&G 12/30/12)
$1/1 Covergirl Outlast Stay Brilliant Nail Gloss excludes accessories(P&G 12/30)
$3/2 Covergirl products excludes accessories(P&G 12/30)
$0.50/1 Dawn Hand Renewal, Power Clean, Bleach Alternative or Oxi, (P&G 12/30/12)
$0.25/1 Dawn Product, (P&G 12/30/12)
$1/1 Prilosec Product, (P&G 12/30/12)
$.50/1 Duracell CopperTop, Ultra Power, Ultra Photo Lithium or Specialty batteries excludes 1ct and trial (RP 12/9)
$2.00/1 Duracell CopperTop, Ultra Power, Ultra Photo Lithium or Specialty batteries excludes 1ct and trial (RP 12/9 R)
$.50/1 Duracell CopperTop, Ultra Power, Ultra Photo, Lithium or Specialty batteries excludes 1ct (P&G 12/30)
$1.50/1 Tide detergent excludes PODS (P&G 12/30)
$.50/1 Tampax 18ct+(P&G 12/30)
$1/1 Tampax 16ct+ Pearl or Radiant including Compak(P&G 12/30)
$.50/1 Always 30ct+ Pantiliners (P&G 12/30)
$.50/1 Always Pads or Feminine Cleansing Cloth(P&G 12/30)
$1/1 Always 12ct+ Infinity including Radiant Infinity(P&G 12/30)
$1/2 Old Spice products (P&G 12/30)
$1/2 Gillette deodorants or body washes(P&G 12/30)
Purina Free 16oz ONE beyOnd cat food carton up to $3.25 or $3.25/1 3lb+ cat food bag (RP 1/13/13) *any cat food bag? or One BeyOnd only?* The coupon for your free CVSCash Card will print at a minimum of $29.40, $58.80, $88.20, $117.60, $147
* Limit of 5 free $10 CVSCash cards per cardholder per week, while supplies last. No Rainchecks.
* The required amount is before coupons. You can get your subtotal down to zero and you'll still get your CC!
* You do NOT have to get it all in one transaction. You have all week to finish out your deals and the register keeps track of your running totals which are listed on the bottom of your receipt!
* The ECB that prints is to be redeemed for the Cash Card, it is not a regular ECB.
Thx CVS_Lifer/sd
Redplum coupon Inserts for 1/6/13
Added on : Tuesday January 01st 2013 11:01:26 AM
Redplum First InsertACT $1/1 product (2/24) ETS
Allegra $2/1 product excluding 2 & 5ct (2/24)
alli $5/1 90ct+ product (3/31)
Angel Soft $.45/1 4pk double roll or larger bathroom tissue (2/28)
Chattem $5 Target gift card wyb 3 Chattem products; Selsun Blue, Gold Bond Ultimate, Icy Hot, Act, Cortizone-10, Unisom, Aspercreme, Allegra TARGET COUPON (1/19) ETS
Clairol $1/1 color product or herbal color (2/28)
Crotizone 10 $1/1 product (2/24) ETS
Disney/Marvel $1/1 gummy vitamin (2/20)
Ester-C $2/1 to go (2/20)
Ester-C $3/1 tablet (2/20)
Gillette $1/1 disposable razor (2/28) ETS
Gillette $3/1 Mach3 disposable razor (2/28)
Gillette Buy 1 Gillette Series or Fusion Shave Prep, get 1 Fusion Shave Prep free up to $3.99 (2/28) ETS
Gold Bond $1/1 6.5oz or smaller body lotion (3/6)
Gold Bond $2/1 7oz+ body lotion (3/6)
Gold Bond Ultimate $1/1 product (2/24) ETS
Goodn Natural $1.50/1 multi-pack or 6+ single bars (2/17)
Goodn Natural Free bar up to $1.50 (2/17)
Icy Hot/Aspercreme $1/1 product (2/24) ETS
MET-Rx $1/6 minis singles or 1 value pack (2/17)
MET-Rx $2/2 bars (2/17)
Nasoya $.75/1 Pasta Zero (4/7)
Nasoya $1.25/2 products (4/7)
Natures Bounty $1/1 vitamin or supplement (2/5)
Natures Bounty $2.50/1 fish oil or CoQ-10 (2/5)
Natures Bounty $4/1 Optimal Solutions product (2/5)
Natures Bounty $5/1 Optimal Solutions shake mix (2/5)
Newmans Own $.75/1 lite salad dressing (2/16)
Nicorette $10/1 Nicorette gum 100ct+, NicodermCQ 14ct+ or Nicorette Lozenge 72ct+ (2/10)
Osteo Bi-Flex $3/1 30-60ct (2/20)
Osteo Bi-Flex $5/1 70ct+ (2/20)
Pedigree $1/1 3.5lb+ dry food for dogs (3/2)
Pedigree $1/1 Little Champions 8 or 12ct pouch variety pack or 6 single pouches, trays or 13.2oz cans (3/2)
Prilosec OTC $3/1 RITE AID COUPON (1/19)
Pure Protein $1/2 bars (2/24)
Pure Protein $2/1 4pk 23g shakes, 1lb or 2lb protein powder or value packs (2/24)
Purex $1/1 liquid detergent or UltraPacks detergent (2/2) ETS
Selsun Blue $1/1 product (2/24) ETS
Slim-Fast $1/1 bar or snack bites (2/3)
Slim-Fast $1/1 shake multi-pack or shake mix (2/3)
Sundown Naturals $1/1 vitamin or supplement (2/5)
Sundown Naturals $2/1 120ct+ product (2/5)
Unisom $1/1 product (2/24) ETS
Venus $3/1 razor AND 1 refill excludes disposables and trial (2/28)
Venus/Daisy $2/1 Venus disposable, Daisy disposable or Daisy3 disposable (2/28) ETS
Vidal Sassoon $1/2 shampoo, conditioners or stylers RITE AID COUPON (1/19)
Vidal Sassoon $2/1 hair color RITE AID COUPON (1/19)Redplum second insert
All $2/2 liquid, powder or mighty pacs laundry detergents (2/7) ETS
Aquafresh $1/1 5.6oz+ Extreme Clean (3/3)
Caltrate $2/1 product (3/3)
Centrum $2/1 56ct+ Specialist multivitamin (2/2)
Centrum $2/1 60ct+ Flavor Burst Chews (2/2)
Centrum $3/1 100ct+ regular or Silver mutivitamin (2/2)
Centrum $8/both 80ct+ multivitamin AND any ProNutrients supplement (2/2)
Dimetapp $1/1 Childrens product (3/2)
Fiora/Paseo $.50/1 bath tissue excluding single roll (2/28)
Fiora/Paseo $1/1 12-roll bath tissue or 8-roll paper towel (2/28)
Hefty $1/1 waste bags (3/31)
Kibbles n Bits $.55/1 dry dog food (3/6)
Land OFrost $.55/1 Bistro Favorites, Premium, DeliShaved or Canadian Bacon (2/6)
Land OFrost $1/1 sub sandwich kit or wrap kit (2/6)
LOreal $1/1 Paris skincare item (3/2) ETS
LOreal $1/1 Studio Line styling product (3/2)
LOreal $2/1 Advanced Haircare shampoo or conditioner (3/2)
LOreal $2/1 Advanced Haircare treatment (3/2)
LOreal $2/1 haircolor product (3/2)
LOreal $2/1 Paris powder, concealer, primer or blush excludes Magic Perfecting Base .17floz mini size (3/2)
LOreal $3/1 Paris cosmetic face product excludes Magic Perfecting Base .17floz mini size (3/2)
Maybelline New York $1/1 mascara (3/2)
Meow Mix $.75/1 3lb+ dry cat food (3/2)
Meow Mix $.75/6 single cat food cups or 1 cat food variety pack (3/2)
Nivea $2/1 13.5oz body lotion (2/3)
Nivea $2/1 8.4-16.9oz body lotion (2/3)
Nivea $3/2 .59oz tin, .17oz stick or .3oz tube lip care products (1/20)
Sensodyne $1/1 4oz+ product (3/3)
Sensodyne $1/1 4oz+ ProNamel product (3/3)
Snuggle $.50/1 fabric softener liquid or dryer sheets (2/7)
Splenda $1.50/1 Nectresse natural no calorie sweetener (3/23) DND
StarKist $.55/2 single serve pouch products (3/3)
Surf $1/1 laundry detergent (2/17
Hot?
Still $130 on Amazon.The imageCLASS MF4570dn is a reliable, multifunction solution for any home or small business office. Featured in an eye-catching piano black design, it offers Canon's renowned quality and durability along with a variety of features aimed at improving office efficiency.Duplex Versatility
Print on two sides use half the paper! Two-sided output for printing, copying and receiving faxes saves space and reduces paper consumption.High Performance
Why waste time? With Canons Quick First Print technology, the first print will arrive in approximately 6 seconds. The MF4570dn can print or copy up to 26 ppm/cpm. The fast Super G3 fax includes over 100 convenient speed dials (4 one-touch and 100 coded), as well as a generous 256-page fax memory.Compact Design
With a small footprint, the Canon imageCLASS MF4570 is specifically designed for home/small office placement and provides convenient access to the office functions you require.Built-in Networking
Sharing the MF4570dn is easy with the built-in Ethernet connectivity. You can share the convenience of network printing, scanning, and PC faxing.Improved Usability & Maintenance
Easily complete tasks with the large 5-line LCD. On screen animations assist you with tasks such as changing cartridges. The Canon Single-Cartridge system combines toner & drum into a single unit no messy toner changes.Toner Cartridge Recycling Program
Canon toner cartridges are 100% recovered with zero landfill waste.Energy Saving Mode
When the imageCLASS MF4570dn enters the Energy Saving Mode, it has a low power consumption of 3 watts of energy.Operating System
Windows / Server 2008 / Vista / XP / 2000
Mac OS X 10.4.9 - 10.6
What's in the Box
MF4570dn
Starter Cartridge 128
Setup Instructions
Manuals
Power Cord
User Software CD-ROM
Registration Card
Warranty Card
Best way to approach paying off part of student loan
Added on : Sunday December 30th 2012 11:01:10 PM
My son has a 10% student loan of $15,000. (one of many of his loans). He has asked me for help to pay this loan off. I am seeking advice on the best way to do this. Should I take cash from investment account, which has a current yield of around 8%? Should I apply for a 15 month, zero interest loan? Help...please.
Vortex Vortex Viper Riflescope 6.5-20x44 V-Plex With Scopecoat XP-6 - 1452 and a Vortex 44mm Shade $339.98 Shippedhttp://www.gearhog.com/Deal Overview
High performance shooting opticsThe precise, smooth-handling Viper 6.5-20x44 PA riflescope makes target and varmint hunting all the easier. Not only does this Viper riflescope give you the power to handle very long distances, it also target small objects with ease. The Viper riflescope features a unique ViewMag adjustment lever so you can make rapid power adjustments without ever taking your eye off your target. And that's just the first of many reasons you can count on the Viper riflescope for smooth handling when the pressure is on:* ViewMag adjustment bar lets you keep track of target and magnification at the same time.
* Side parallax adjustment turret lets you maintain your shooting position and cheek weld while adjusting parallax.
* Fast focus eyepiece is quick and easy to use.
* Pop-up dials let you easily set elevation and windage back to zero.
* Audible clicks are easily counted for fast, precise adjustment of elevation and windage.
* Fine Plex reticle allows for extremely precise shooting, especially when highly magnified.
SPOT satelite messenger free afte rebate - buy before 12/24 from retail
Added on : Sunday December 23rd 2012 10:00:05 AM
SPOT satelite messenger free after rebate - buy before 12/24 from retail and activatre subscription...http://www.findmespot.com/HolidayWeekendRebate/Spot2_HolidayWknd...\Rebate Card Offer Period, Eligible Products: You must submit a mail-in rebate form if you purchase
an eligible SPOT Satellite GPS Messenger (SPOT-2) from a participating retailer between 12/21/2012 and
12/24/2012. Qualifying participants will receive a VISA pre-paid card in the mail for the price paid (up to
full retail price) as shown on sales receipt for the SPOT Satellite GPS Messenger, excluding shipping and sales tax. Minimum value for rebate is $50 and the maximum is $119.99. The VISA
pre-paid card is only valid for 120 days. The following products are not eligible for this rebate: SPOT Personal Tracker (SPOT-1), SPOT HUG and SPOT Connect.
Eligible Participants: To qualify for this rebate card, participant must be 18 years of age or older. You must mail in: 1) this form; 2) the sales receipt; 3) the original UPC code (or photocopy)
from the product package (see picture below); 4) copy of your activation confirmation email (provided after you activate SPOT service), or proof of purchase for service certificate. Your
rebate claim must be postmarked no later than 1/24/2013. Each rebate claim must be submitted in its own envelope. Please allow eight (8) to sixteen (16) weeks after the redemption
center receives your claim for processing of your rebate card. Actual processing times can vary depending on volume of claims submitted, and extend even beyond sixteen (16) weeks. If
you have questions about your rebate card or have not received a VISA pre-paid card within sixteen (16) weeks, please contact the rebate processing company at www.status-now.com or
1-800-953-3098. If you still have unresolved concerns after talking to the rebate processing company, you may contact SPOT LLC Customer Care at 1-866-OK1-SPOT (651-7768) for more
information. SPOT LLC will utilize its commercially reasonable efforts to expedite claims processing.
Restrictions: Limit one (1) rebate per each SPOT Satellite GPS Messenger (SPOT-2) purchased and three (3) rebate claims per address. Taxes and shipping not included. Purchases from
E-Bay Auctions or other secondary distribution sources are not eligible for this rebate. This rebate may not be combined with other service promotions/discounts. Pre-owned product is not
eligible. Rebate Payable in US Dollars for US Residents. Not valid in Canada.
Disclaimer: SPOT product may not be returned for refund once the rebate card form has been submitted. SPOT LLC is not responsible for lost, misdirected, delayed, postage due mail or
incomplete information. Keep a copy of your rebate claim for reference or in case of processing error. All fees subject to change. Check www.FindMeSPOT.com for service coverage area.
Pre-Paid VISA Guidelines: You may utilize your VISA pre-paid card for multiple purchases until the value of the card is depleted to zero. If the remaining value on the VISA pre-paid card
is less than the total purchase amount you need to charge the exact balance remaining or the VISA pre-paid card will be declined. To determine your remaining balance, call the toll-free
number on the back of the VISA pre-paid card.
Advice on IRS lien
Added on : Thursday December 20th 2012 06:00:58 PM
My father died owing the IRS $13,000 and was on a payment plan with them when he died. The put a lien on the the house which is paid for. He left the house for me and my bother. He had close to zero cash when he died. I think there is $1000 now after funeral expenses and other expenses and bills. My brother talked to them and they said they weren't in the house selling business and that a lien would remain on the house until it was paid and nothing more was likely to happen. I don't know if I believe that. Well in the meantime, we moved my mother in the home and I am worried that they will sell the house to get their money and throw her out on the street. We are also collecting rent from her and putting into an account which we originally decided we would let grow for a few years and then go and offer them a cash settlement and get it paid. The house is a very small house, maybe worth $20,000? I have no idea but I would like to keep it for an investment and get the IRS paid and I don't think my brother cares what happens to the home. He is also the executor of the will and he has not gone through probate yet. Not sure what the hold up is, my Dad did own some medical bills but I'm not sure how much. Any advice on what to do would be appreciated.
Star Trek Enterprise NCC-1701 Pizza Cutter $18.76 shipped Amazon Prime
Added on : Thursday December 20th 2012 02:00:10 PM
Pizza cutter
Slices Pies At Warp Speed Now you can own this genuine, licensed U.S.S. Enterprise" pizza cutter, formerly available only through Federation Restaurant Supply depots. And only to Star Trek" mess personnel. The solid zinc-alloy, chromium-plated body is in the shape of the starship itself. It's 8-1/2" long overall, with a 4" dia cutting wheel marked "USS Enterprise NCC-1701." Gift-boxed for your favorite Trekker. Functions well in zero gravity, but not for use on Tribbles.The classic design of the USS Enterprise, now as a pizza cutter
Saucer cutter made of laser-etched stainless steel
Zinc-chromium alloy secondary hull and warp nacelles for you to grip
Officially licensed Star Trek collectable
The only logical thing to useI've been waiting weeks for the price to drop, has been $29.99. Can be found for $18.49 from other sellers, Amazon Prime eligible
Amazon Coupons
3 Pk Quick Sealant - Liquid Rubber Spray (14oz each) $19.99 Shipped
Added on : Thursday December 20th 2012 11:00:06 AM
3 Pk Quick Sealant - Liquid Rubber Spray (14oz each) $19.99 Shippedhttp://www.dailybargainshop.com/The miracle sealer that stops leaks immediately!!!The easy way to Seal, Coat & Protect any material!Quick Sealant liquid rubber coating is excellent for roof leaks, butters, skylights, hoses, windowsills, PVC pipes, flashings, duct work, foundations, basements, chimneys, downspouts, vent pipes, A/C drip pans, RV's & Campers, trailers and so much more!The liquid rubber spray seeps into cracks and holes to seal out air and moisture. It will not sag, drip, crack or peel and forms a durable flexible barrier that lasts for YEARS!
Features:Quick Sealant is rubber in liquid form in a spray canFix leaky pipes - Seals windows - seals anything you want!
Long-lasting, Watertight
Can be top-coated with latex or alkyd based paints
Withstands temperatures from 40 degrees below zero to 160 above
Can be used indoor or outdoorCondition: New
You Get: 3 Pc Value Pk of Quick Sealant Rubber Spray 14oz (Each) spray
$3 off any one BENGAY Zero Degrees MFR Q (1-17-13) >> Prints @ Top - ad rest of 2/3 pageHEREoriginal $$ @ T around $10 or less for 3 oz sizeto go with$4 off any 3 oz Bengay Zero Degrees Pain Relief Item (12-30-12) Target WEB Coupon on couponz dot com under Personal Care (may use zip 62946)HERE
fruit ninja (normally 0.99)
https://itunes.apple.com/us/app/fruit-ninja/id362949845?mt=8
fruit ninja HD (normally 2.99)
https://itunes.apple.com/us/app/fruit-ninja-hd/id370066032?mt=8fruit ninja puss in boots (normally 0.99)
https://itunes.apple.com/us/app/fruit-ninja-puss-in-boots/id4692...
fruit ninja puss in boots HD (normally 2.99)
https://itunes.apple.com/us/app/fruit-ninja-puss-in-boots-hd/id4...age of zombies (normally 0.99)
https://itunes.apple.com/us/app/age-of-zombies-anniversary/id451...age of zombies anniversary (normally 1.99)
https://itunes.apple.com/us/app/age-of-zombies/id395627741?mt=8monster dash (normally 0.99)
https://itunes.apple.com/us/app/monster-dash/id370070561?mt=8blast off (normally 0.99)
https://itunes.apple.com/us/app/blast-off/id356994310?mt=8
iTunes Coupons
Nice deal on 32 oz Powerade/Zeroor 18 oz Fuze Drinks.50 ea wyb 10 or more on one order.Powerade Zero caps now worth 6 MCR point during doubling period to 12/19!www.acmemarkets.comon back page of current ad.
FREE 500MB/MO. 4G WIRELESS, JUST BUY MODEM, GREAT FOR TABLETS
Added on : Wednesday December 12th 2012 12:00:11 PM
TYPE IN YOUR ZIP CODE TO SEE IF YOU QUALIFY!
http://www.freedompop.comTYTBUDGETEndgadget
December 12, 2012FREEDOMPOP BRINGS FREE WIRELESS INTERNET TO THE HOME WITH HUB BURST MODEM AND ROUTERIf you happen to live in an area that's served by Clearwire's WiMAX network, then you may be interested to learn of a new home internet service that's very aggressive on the pricing front. FreedomPop has announced a free broadband service that'll offer 1GB of data consumption per month. Not to stop there, heavier users can sign up for a $9.99 monthly subscription that provides 10GB of data usage, or take advantage of a pay-as-you-go option that costs $0.005 per megabyte ($5/GB). Also of note, free users will be able to earn additional data by engaging friends and participating in promotions.FreedomPop's service will launch in conjunction with the Hub Burst, a 4G modem and router that costs $89, which is available for pre-order now and is set to ship next month. The Hub Burst offers two Ethernet jacks -- useful for your desktop or home entertainment setup -- along with support for 802.11b/g/n (WiFi). While WiMAX is a bit pokey by modern standards, if you're looking to lighten your monthly bills, this alternative to Clear and NetZero may be the ticket, indeed.
CVS 12/16 - 12/22
Added on : Tuesday December 11th 2012 10:01:55 PM
All are limit 1 unless stated otherwiseECB DEALSSpend $30 Get $10 ECB wyb Christmas decorationsSpend $30 Get $10 ECB wyb Hallmark Christmas itemsConair infiniti pro straightener with bonus argan oil Pay 29.99 receive $5 ECBConair infiniti pro 1875 watt hair dryer with bonus argan oil or diffuser Pay 29.99 receive $5 ECBConair infiniti pro 2" spin air brush Pay 49.99 receive $5 ECBJohn Freida Full Volume hair dryer or sleek finish straightener Pay 39.99 receive $5 ECBSpend $30 Get $10 ECB wyb on any Gillette shaving items
Gillette $1/1 disposable ets (12/31/12) RP 11/4/12
Gillette $10 off ProGlide razor when you buy cartridge or disposable (1/31/13) RP 12/2/12
Gillette $5 off Mach3 razor when you buy cartridge (1/31/13) RP 12/2/12
Gillette Buy Mach3 cartridge, get $5 off Mach3 razor excludes disposables and trial (12/31/12) RP 11/4/12
Gillette Female Disposable Razor B1G1F to $11.99 (12/31/12) P&G 11/25/12
Gillette Fusion Proglide Razor AND Cartridge $5 (12/31/12) P&G 11/25/12
Gillette Male Disposable Razor B1G1F to $11.99 (12/31/12) P&G 11/25/12
Gillette Series Shave Prep .75 (12/31/12) P&G 11/25/12
Gillette Venus, Daisy or Daisy3 disposable ets $1 (12/31/12) RP 11/4/12
Gillette disposable razor, $2/1 (12/31/12) Parade Magazine/USAToday 11/18/12Emerson, Vivitar cordless shaver, Neutrogena, Nivea Men's 3PC gift set, Axe 4 pc gift set Pay 9.99 receive $2 ECBPhilips Norelco body groom or triple-head razor Pay 34.99 receive $5 ECBPhilips Norelco powertouch electric razor with aquatec Pay 64.99 receive $5 ECBSpend $30 Get $10 ECB wyb on Loreal items
Triple power RevitaLift 0.5-1.7 oz or Youth code $19.99
Age Perfect Golden Balm 0.5-17 oz or RevitaLift deep Set Wrinkle 1-1.7 oz $14.99
RevitaLift , Age Perfect, Youth code BB cream $11.99Spend $30 Get $10 ECB wyb on Skin care products
St Ives body lotion, wash 21-24, ALL Noxzema, St. Ives, Simple Facial Care or DermasilkBuy any (2) L'oreal Ever or EverStyle Hair Care receive $5 ECBSpend $20 Get $10 ECB wyb EucerinSpend $10 Get $5 ECB wyb Conair or Scunci Hair accessories and HairbrushesPantene Shampoo/Conditioner 12.6 oz or styler 5.7-11.5 oz Pay 3/14 Get 3 ECBSpend $20 Get $10 ECB wyb ANY Nexxus Shampoo, conditioner, stylerReceive $3 ECB wyb (2) limit 5
Colgate single pk manual tooth brushes 2/$5.98
Delsym cough suppressant for adults children 3-4 oz $8.99
Nyquill/Dayquill 48 ct, liquid 24 oz, Nature fusion liquid/caplet combo pk or vaporrub 6 oz $10.99Receive $2 ECB wyb limit 1 Speed stick deodorant twin pk, colagte manual toothbrush 2-4 ct or toothpaste twin pkReceive $2 ECB wyb limit 2 Arm Hammer spin toothbrush 1 ct or brush heads 2 ct (excludes tooth tunes)Prilosec 42 ct $24.99 get $2 ECB limit 3Receive $2 ECB wyb limit 1
Ensure regular nutrition drinks 6 pk, $7.99
Ensure clear or Muscle health 4 pk 6.99 with cardSpend $30 and get $10 ECB wyb Pamper and Huggies products
All pamper or Huggies Jumbo 2/$20
Pampers or Huggies wipes 168-216 ctCVS Sesame Street bandages 20 Ct $2.99 receive $1 ECBCVS Protective Undergarments $8.99 receive $3 ECBDepend Silhouette or Real fit 3 ct $3.99 receive $2 ECB
Depend Guards for Men $1 (12/29/12) SS 11/18/12
Depend Product, any $1 (12/29/12) SS 11/18/12Alaway 10 ml, Bio-true or re-nu 2 pk $13.99 get $4 ECBBuy any ZZZquil get $2 ECBBuy select Diagnostic items get $10 ECB limit 2Buy any Lysol healthy touch hand soap get $3 ECBPlanters Deluxe mixed nuts 8.75 oz, whole cashews 8.5 oz or nut*rition 8.75-10.25 2/$9 get 2 ECBPay $3.99 get $3 ECB limit 2
Colgate total advanced 5.8 oz or Sensitive pro-relief 4 oz
$1 CVS coupon for Total Advanced in the Diabetic Health magazine mailer or online here: http://www.cvs.com/promo/promoLan...cad-member.Tide or Gain liquid 48-64 loads $11.97 get $3 ECB limit 1Pay $4.99 get $3 ECB limit 6
All Revlon NailPay $6.99 get $4 ECB limit 6
Revlon super lustrous or color burst lipBOGO
ALL CVS vitamins Limit 6
ALL CVS batteries Limit 4
Colgate Total Advanced or Whitening 7.6-7.8oz Limit 4
Gold Emblem mixed nuts 10.3oz, almonds 8-10.5oz or cashew halves 8oz Limit 4
Lay's chips 10-10.5oz (excludes Baked) Limit 2
CVS triple size cotton balls 100ct
IDT long distance prepaid phone cards rechargeable in store or by phone (excludes Penny Talk)
CVS Power Flash all purpose camera 27 exposures
Nature Made CoQ10 40-60ct, CholestOff 60-120ct, fish oil 100-180ct or kril oil 60ct Limit 6BOGO50
Designer fragrances with a regular retail of 12.99 Limit 6
ALL Covergirl face, eye or lip Limit (?)
ALL Caliber tape
ALL Milani cosmetics
ALL Almay cosmetics
Essence of Beauty cosmetic brushes, applicators, accessories or fragrances (excludes 2oz trial size)
ALL eyelashes or artificial nails (excludes glue)
ALL L'eggs sheers, leggings, tights, shapewear or foot covers
ALL CeraVe
ALL L'Oreal hair color Limit (?)
Neutrogena grapefruit or blue line cleansers
CVS facial care
ALL RoC skin care
Fx, Organix hair care, body wash, lotion 13oz, body oil 6.8oz (excludes trial/travel size)
Neutrogena shampoo, conditioner 4.4-16oz or treatment 6oz
Shea Moisture hair care 8-12oz
Select CVS brand cold remedies (excludes ExtraBuck offers)
CVS anti-gas, anti-diarrheal or lactose intolerance medications
CVS liquid nutrition or Nutrition Plus 6pk all flavors
ALL i-Caps
Gummy vitamins (excludes CVS brand)
Met-Rx or Pure Protein bars
CVS acetaminophen (excludes PM)
CVS tampons 36-40ct, maxi pads 28-48ct or pantiliners 68-135ct
Select natural sleep aids
Frames or albums
ALL photo books
Photo calendar
Essential Elements reed diffusers 9oz jar candle, 3 wick jar candle or 2oz variety 3pk
CVS cups 20-60ct, cutlery 24-48ct, mapkins 40ct, bowls or plates 16-48ctB2G1
Nestle, Russell Stover, Mars or Hershey's and more Christmas novelty candy .875-5oz
Cadbury bar 3.5-4oz
Hershey's Extra Large bar 4-4.5ozONE DOLLAR OR LESS
Fancy Feast cat food 3oz 10/$6
Select Blistex $.99
CVS facial tissues upright 75-90ct or family size 184ct $.99
Campbells cream soup 10.75oz $.99
Palmolive 10oz $.99 Limit 3Russell Stover, Whitman's, Lindt Lindor or Ferrero Rocher 1-2oz 3/$3
Dentyne Pure, Trident or Stride singles gum 9-18ct 3/$3
Select grocery or snack items 10/$10 (pictured: cereal cups, Emerald cashew snacks, Duncan Hines chewy fudge mini brownies mix, Chow Mein, JTB party mix, Rice A Roni)
Gatorade 32oz or Sobe Lifewater 20oz 5/$5A SMATTERING OF OTHER SALES
7" Andriod wireless touchscreen tablet (models may vary) $88.88
Coke 12oz 12pks 3/($10? $11?) Limit 6 12pks
Hershey's or Nestle singles .5-2.1oz buy 1 get the second for $.25
Clear shampoo 12.9oz $4.99 + get a free conditioner 12.7oz
Mitchum or Lady Mitchum apdo (excludes twinpacks) $1.99
Select Secret or Old Spice apdo 2/$4
Listerine Cool Lint, Fresh Burst, Zero 500ml or PocketPaks 72ct 50% off
Crest 3D White Vivid whitestrips 10ct
Ricola drops 2/$3
Trigosamine 90ct or Cosamin 60-108ct 50% off
Mega Red or Move Free 50% off
Suavitel fabric softener 33.8oz 2/$3
Reynolds Wrap aluminun foil 30 sq ft 2/$4
Gold Emblem roasted or party peanuts 16oz 2/$6
Pop Chips 3oz 2/$4
Select groceries 2/$4 (pictured: Kellogg's Cars fruit snacks, Pop Tarts, Planters trail mix, Sun Maid raisins, Motts apple sauce 6pk, Quaker oats canister, Aunt Jemima syrup, Nestle Toll House morsels, Keebler Sandies, Biscoff)
Amp Energy 16oz, Starbucks DoubleShot 6.5oz, Frappuccino 9.5oz or Refreshers 12oz 2/$3
Nesquick 16oz 2/$3
Thx laku/sd
LLC business Divorce lawyer fee Help NJ
Added on : Tuesday December 11th 2012 01:01:12 PM
Have LLC business with zero income.I am unemployed and have zero income this year.I have to pay divorce lawyer fee almost 30kHow can i get more refund back in my tax return this year?
Give me all suggestions or advises...Thanks...