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g: 1 Posted By: joannem
Views: 147 Replies: 1 I've never had an Amex before, but this offer in the mail intrigued me because of the grocery Cash Back. They offered an Amex Blue Cash Everyday with $200 and 1 year of free Amazon prime (eligible to extend current Amazon prime membership) after a $1000 spend in 3 months. 0% APR for 15 months on purchases and balance transfer. 3% balance transfer fee. 3% back at grocery (up to $6000 spend), 2% back at gas and select department stores, 1% back everywhere else. No annual fee. I am bummed that they state Wholesale clubs that sell gas are not considered gas stations. Freedom codes BJs gas as a gas station.

I decided to call to apply and they offered the Preferred version with the same bonus offer. Preferred gives 6% at grocery (up to $6000 spend), 3% at gas/department, 1% everywhere else. $75 annual fee.

Being new to Amex, what perks should I be aware of? Sounds like they have some holiday promotions?
Credit Deals
g: 0 Posted By: savvy002
Views: 150 Replies: 0 Decided to start a new thread with this deal. Available from Amazon.com at $199 as well.

Highly rated soundbar with surround sound system.

http://www.costco.com/VIZIO-S4251W-B4-5.1-Home-Theater-Soundbar-...
Headphones & Speakers Deals
g: 0 Posted By: remick
Views: 139 Replies: 0 http://majornelson.com/2014/11/21/sunset-overdrive-free-xbox-liv...

To celebrate the first anniversary of Xbox Ones launch, Microsoft and Insomniac Games are inviting all Xbox Live Gold members to a taste of the Awesomepocalypse.
Beginning Saturday, November 22nd at 12.01 Eastern Time, Xbox Live Gold members on Xbox One will get to play Sunset Overdrive for free for 24 hours. This is the full game; players will earn achievements and be able to save how far they progress during that 24 hour span. If you decide to purchase the game at a later point, you will be able to start again right where you left off.

Sunset Overdrives 8-player cooperative multiplayer experience, Chaos Squad, will also be available for everyone tomorrow. Please note: Chaos Squad must be unlocked by playing a certain amount into the campaign.
Totally Free Deals
How is this possible?
Added on : Thursday November 20th 2014 11:00:19 AM
g: 0 Posted By: alamo11
Views: 102 Replies: 4 So I'm needing another car for a friend who is coming from overseas for a few years. My cars get lots of miles so I decided to buy him a new car (business expense).

Thing is I think the deal being offered by a dealer is too good to be true. This is for a popular but not extremely popular car. 2014 model and its the last one left at this dealership.

I sent them an email asking for a quote. From there I negotiated a bit.

MSRP: $19,500
Invoice $18,300
My price: $12,900.

I have a signed letter by the manager saying this is the price I will get when I drive down there.. I'm like 6 hours away.

How is this possible? I understand holdbacks but aren't they a max of like 3%?

Personal Finance Deals
Declaring BK - Inflated income on CC and loan apps. Will I go to jail?
Added on : Wednesday November 19th 2014 04:00:07 PM
g: -1 Posted By: CrownVicSuperFan
Views: 216 Replies: 7 I am in a very bad financial situation and it may be time to declare BK. I have a small business and I gross about 90k per year and net 60k. I declared income of 140k on several loan and CC apps about 3 years ago.

Auto loan balance is currently about 25k at 2.5% with Penfed, and the CC balances are over 120k (mostly 0% or 1.99% interest rate because of offers). My Fico score is in the 650 range mainly because of utilization.

I took the CC money and made some foolish business risks if anyone is wondering where the cash went. If you ever want to figure out how to turn 250k into 100k, just ask

I don't own a home or any real assets. I am 26 years old and married. We have 2 kids. Wife is 23 and pursuing grad school. Is there any chance I will see fraud charges or jail time if I decide to declare BK?



New User Question Deals
Google Wallet for Digital Item Payments shutting down March 2015
Added on : Tuesday November 18th 2014 03:00:11 PM
g: -2 Posted By: forbin4040
Views: 1743 Replies: 9 http://www.itproportal.com/2014/11/14/google-wallet-close-paypal...

It appears that Google has decided to not compete with Paypal in the web payments dept and will shut down that service.
Not that I noticed too many websites that offered google wallet, but it's going to be zero.

Note : This does not affect the NFC version of Google wallet (Aka the one Apple pay is trying to kill), this is only the paypal competitor version. The website title is a bit misleading.

Edit : Looks like I read it wrong, it's for Digital Payments only.
Discussion Deals
In a serious bind with a botched used car purchase!!
Added on : Monday November 17th 2014 02:00:23 PM
g: 0 Posted By: leftandwest
Views: 15 Replies: 1 For everyone's convenience I'm going to try to make this as concise as possible. I had been making the payments on a relatives car for about a year, and during that time it was completely in my possession. Later on down the road, family member runs into serious financial trouble and needs to claim bankruptcy. To remove some of his debt and make the car fully mine, I got to bank, get a loan in my name, and send the check to my relative. After cashing the check his bankruptcy attorney tells him that if he pays of the car, or pays me back, it is considered being preferential to his creditors, and I could be held liable. For a few months we sat in a limbo period where I kept making my loan payments, and I thought he was making his. Turns out my relative is a scumbag, and wasn't making his payments, and now the car is supposed to be repossessed. So to get to my real question, what are my options? If I parted out the car that I paid for, what would be my liability? Must I surrender the car for repossession? What legal action can I take against someone claiming bankruptcy, and what could I expect if the court decides in my favor? Any help would be greatly appreciated! Thanks!
New User Question Deals
Polk Audio BUCKLE Headphone, $99.94 clearance Office Depot YMMV B&M only
Added on : Monday November 17th 2014 10:00:10 AM
g: 2 Posted By: RedWolfe01
Views: 254 Replies: 1 Just picked up one of these locally (Product ID:285302) MSRP 249.95 -- apparently OD decided to try getting into higher level headphones and failed. They also had the Polk HINGE for 89.94 as well as a lot other headphones at up to half off. (they seem to have gone heavily into Monster's line) This does NOT count the Beats line. Still lists full price on the website so you will have to find it at a B&M store

Not sure how many stores stocked headphones, but if yours does its worth a look.
Headphones & Speakers Deals

Office Depot Coupons
Polk Audio BUCKLE Headphone, $99.94 clearance Office Depot YMMV B&M only
Added on : Monday November 17th 2014 09:00:33 AM
g: 0 Posted By: RedWolfe01
Views: 1 Replies: 0 Just picked up one of these locally (Product ID:285302) MSRP 249.95 -- apparently OD decided to try getting into higher level headphones and failed. They also had the Polk HINGE for 89.94 as well as a lot other headphones at up to half off. (they seem to have gone heavily into Monster's line) This does NOT count the Beats line. Still lists full price on the website so you will have to find it at a B&M store

Not sure how many stores stocked headphones, but if yours does its worth a look.
How to plan financially if you won't live until retirement?
Added on : Monday November 17th 2014 08:00:17 AM
g: 1 Posted By: sailwind
Views: 165 Replies: 4 I'm a 40yr old male that has just been diagnosed with end stage kidney failure. The best case scenario is if I get kidney transplants I can live for another 30 years, worst case I go on dialysis and survive for 10-15 years. Either way, it looks like I won't make it to retirement age of 70 and take distribution of my retirement savings as originally planned.

My priority now is to make sure my wife and my daughter are financially covered if I'm not around to provide for them. A key question I'm trying to decide is whether to continue to put money into my company's 401k now that I won't be using it in retirement. Is 401k still a good place to hoard as much money as possible so my wife can roll it over to her own IRA and make withdraws as necessary? Or is it better to keep things around as cash so it's readily available to her?

Some info:
- I don't qualify for any life insurance except the 1x salary at work
- We own a home with a small mortgage that she can easily pay for the next 27 years.
- The home have significant equity (60%) that she can draw on as needed.
- After 10 years, our combined retirement should be valued at 13x her current salary
- We're high income earners in higher tax bracket, so maxing 401k yearly helps with tax deductions.

What do you guys think? Is it worthwhile to continue contributing to retirement account? Is that still a better place to park money for her?

Boy I feel like Walter White in Breaking Bad. Any suggestions welcome!



Personal Finance Deals
Fifty Years of Silence (Kindle Edition) -- $0.36 at Amazon
Added on : Monday November 17th 2014 12:00:05 AM
g: 0 Posted By: ragingwookiee
Views: 60 Replies: 0 Fifty Years of Silence (Kindle Edition)-- $0.36 at Amazon

The extraordinary memoir of a war rape survivor.'How can you tell your daughters, you know? I mean, the shame, the shame was still so great. I knew I had to tell them but I couldn't tell them face to face . . . so I decided to write it down.' Jan Ruff O'Herne's idyllic childhood in Dutch colonial Indonesia ended when the Japanese invaded Java in 1942. She was interned in Ambarawa Prison Camp along with her mother and two younger sisters. In February 1944, when Jan was just twenty-one years old, she was taken from the camp and forced into sexual slavery in a military brothel. Jan was repeatedly beaten and raped for a period of three months, after which she was returned to prison camp with threats that her family would be killed if she revealed the truth about the atrocities inflicted upon her. For fifty years, Jan told no-one what had happened to her, but in 1992, after seeing Korean war rape victims making appeals for justice on television, she decided to speak out and support them. Before she could testify publicly, though, she had to find a way to tell her family and friends about all she had suffered. Jan's survival is a tribute to her inner strength and deep faith. For the past fifteen years, she has worked tirelessly to protect the rights of women in war and armed conflict.
Books Deals

Amazon Coupons
Google Wallet for Websites shutting down March 2015
Added on : Sunday November 16th 2014 09:00:06 AM
g: 0 Posted By: forbin4040
Views: 118 Replies: 0 http://www.itproportal.com/2014/11/14/google-wallet-close-paypal...

It appears that Google has decided to not compete with Paypal in the web payments dept and will shut down that service.
Not that I noticed too many websites that offered google wallet, but it's going to be zero.

Note : This does not affect the NFC version of Google wallet (Aka the one Apple pay is trying to kill), this is only the paypal competitor version. The website title is a bit misleading.

Discussion Deals
Free - Stayfocused Pro (Windows)
Added on : Sunday November 16th 2014 04:00:10 AM
g: 0 Posted By: remick
Views: 93 Replies: 0 http://www.topsoftbargains.com/w/stayfocused-pro-discount-coupon...

Why Stayfocused?
What makes Stayfocused so unique, and unlike any other time management software on the market today?

WORK WITH TIME
Stayfocused teaches you to work with time, rather than struggling to counter it. Stayfocused is a revolutionary time management software that is at deceptively simple to learn and life-changing to use. No longer does time have to be the enemy, or something we race against to complete tasks and meet deadlines.

ELIMINATE BURNOUT
Stayfocused helps in dividing a large task into several smaller tasks, and within the task set times to rest. Completing several small tasks in order to complete the larger task gives a sense of accomplishment, eliminating burnout, and encourages us to stay focused. Its a bit like an agile project management approach.

MANAGE DISTRACTIONS GET MORE FOCUS
Whether it is a call, or a facebook message, suddenly remembering your vehicle needs refueling; many things distract and delay your progress. Stayfocused helps you track and manage each items priority to know what to accomplish and what can wait.

CREATE A BETTER WORK/LIFE BALANCE
Being productive every day Stayfocused helps to eliminate procrastination and guilt. This can lead to truly enjoying the free time we have when we know we have completed necessary tasks. Stayfocused helps you build an effective schedule, so you get a balance of work and rest.

How it works?

Write a to-do list
Decide on the task to be done
Set the pomodoro timer to n minutes (traditionally 25)
Work on the task until the timer rings; record with an x
Take a short break (3-5 minutes)
Every four pomodori take a longer break (1530 minutes)
How can it help you?

Reduces the time anxiety
Enhances concentration and attention, reducing interrupt
Enhanced making sense
Wakes incentives and lasting incentives
Determination to achieve the goal of consolidating
Learning process improvements
Totally Free Deals
Grade me
Added on : Saturday November 15th 2014 04:00:10 PM
g: 0 Posted By: rattletrap
Views: 90 Replies: 1 I put this on bogleheads and thought I would put it here as well...

Looking for anyone interested to go Suze Orman on me and give me a grade on how we are doing. I also welcome any advice! For the first time in our lives, we have the problem of having extra money that we need to decide what to do with.

We are both mid 30's
1 child - 1.5yr old
Debt: 87K mortgage (Home value 190K)
Savings: 97K (sitting in an account making about 1%)
Retirement:
me - 100K in a 403b
wife - 35K in TRS (Teacher Retirement System) making about 5%
I currently put 700/mo into my 403b. Wife started staying home when we had our first child, so nothing currently going into hers. Although I may try to look into option of putting into it... not sure how that works.

So, net worth is around 300K. We managed to save the 97K by putting away my wife's entire check for 3 years straight. Now that she's staying home, that money train is over. She may go back to work one day, but for now we both value her staying home with our child. We haven't invested it to this point b/c we weren't sure how everything would shake down with my wife no longer working and adding a child to the mix. After 1.5 years, I think we're doing okay. Right now after all bills are paid, we save about $500/mo. I'm thinking we need to earmark 35K of savings as Emergency fund and then invest the rest (very interested in ideas for this).
I've thought about putting it in CD's allocated into amounts like- $1k, $2k, $4k, $8k, $16k, $32k (advice I read to someone else on FW). That way if I need it, I could just break the ones for the amount I need. Of course, I've never bought a CD, so no idea where to find the best ones. Other than this option, the best idea I have is to go with something like the American Fund or S&P 500. But, I'm just not sure what to do...

The two things I'd like to get set up in addition to an investing plan are a fund for future car replacement and possibly a 529.
Personal Finance Deals
Software Engineer multiple offers help me decide
Added on : Saturday November 15th 2014 08:00:09 AM
g: 0 Posted By: antib55
Views: 47 Replies: 1 I've been working as a software engineer for 5 years and recently started applying for a new job and have 3 offers.

Offer 1:
Large bank
100,000+ employees
Title : Sr software engineer
Sal: 105k base, 10k bonus, 401k matches first 10k 100 percent
Desc: mostly doing web development where most of the team will be remote in india.
Commute: 5 miles

Offer 2:Large tech company
8000 employees
Title: Sr software eng
Sal: 117k base, 20k RSU, 401k only matches first 3 percent.
Commute: 20 miles
job desc: web dev with local team

Offer 3:
start-up
125 employees
title: principal QA engineer
sal: 150k, no 401k
commute: 25 miles
Job desc: lead for doing testing and automation

Which one do you all recommend?
Discussion Deals
MBA student lost about career direction
Added on : Thursday November 13th 2014 08:00:07 PM
g: 0 Posted By: brandonq
Views: 108 Replies: 0 I decided to enroll in a full-time MBA program (top 15 school) and I still haven't found what I want to do. I came to school wanting to do something in finance such as asset management, equity research, etc. I also passed CFA level 1 to indicate interest and be more competitive for recruiting.The interviewing process has been difficult and I'm not sure whether I have what it takes to get through. I like the financial markets and enjoy studying it, but I'm not sure whether I'm "passionate" about it. I like macroeconomics, but I'm not sure whether I'm "passionate" about it. I have to prepare stock investment ideas for interviews and it feels more like a chore than something I should be doing in my free time for fun. I don't think I really have anything I'm "passionate" about.

Deep down, I feel that I should've been some data analytics type person or even a software developer because I'm technically inclined and I pick up that stuff quick, but am I short-changing myself? And I didn't come to MBA school to go that path. Since I don't have a good job lined up, I'm somewhat regretting the MBA decision. I don't know what I was thinking when I decided to go to school and take out loans. What other paths are worth considering within finance? Since my resume seems to mostly get me interviews for asset management/equity research, am I better off continuing to knock on those doors or am I trying to go in a path that really isn't for me?
Finance Deals
Best Health Insurance For Traveling Consultant - No Out Of Network?
Added on : Thursday November 13th 2014 05:00:04 PM
g: 0 Posted By: itconsult
Views: 136 Replies: 2 Long time lurker, first time poster. IT Consultant making $250k/year. Single, mid-30s, no children, no medical problems, reasonably healthy. I've been going with high deductible HDHP for several years at around $100/month for a $6k deductible and happy with it. In 2015, the price goes up to $320/month for the same coverage. No political commentary necessary, we all know what's going on.

I decided that at $320/month, this coverage is absolutely not worth it. It only covers out-of-network claims at 50% of the cost, above my $6k deductible. My residence is Florida but I am only home a total of 30 to 60 days per year and travel around the country to various places the other 300+ days. It makes no sense for me to maintain this insurance at the new price. I'm either going to drop insurance entirely or I'm going to upgrade to a better plan that covers out-of-network at a better rate. Statistically, the chances are if something happens, it will happen when I'm out-of-network and it will be some kind of trauma or acute medical situation that requires an emergency room visit and hospitalization. It's much less likely I'll get brain cancer and quit my job and do treatment in Florida, although possible.

I don't mind the $6k deductible because I have $15k in my HSA and 9 months living expenses in a series of rewards checking accounts (thanks FWF!). I do mind the 50% coverage for out-of-network. As I did some preliminary research today, I found that most insurance companies don't advertise their out-of-network coverages and only display their in-network coverage on their website. So it's difficult to see what actually is covered by out-of-network without requesting additional information. Hell, I wouldn't mind a $20k deductible insurance. I just don't want to be stuck with a $1M+ medical bill that my insurance only covers 50% because I got hit by a bus while working outside of Florida.

Any suggestions? Also considering some kind of disability insurance. I'm a 1099 and at a previous W2 position, they offered disability insurance for $5 a paycheck and the employer didn't cover any of it so I imagine it's something that can be had for $20/month or so. Might be worth having given my $250k salary although perhaps it scales in price so maybe it would be much more expensive and not worth it given the low liklihood I'll need it and the fact that I have a generous cash buffer (with several years living expenses saved in various I-Bonds, 401ks, IRAs, etc) and no dependants.

There must be some insurance that caters to people who travel a lot. Ideally with very high deductibles.
New User Question Deals
Ipad Mini 2 16GB Refurb @ Costco Morrow, GA $209
Added on : Wednesday November 12th 2014 04:00:04 AM
g: 0 Posted By: AlwaysFrugal
Views: 90 Replies: 0 This is one of the better deals on the Ipad Mini 2 (retina display) 16gb white $209 plus tax. This is a refurb but it has the apple warranty and also the Costco warranty.Costco's business center in Morrow, GA. They also had the Ipad Air refurbfor $299 but was sold out. Had ipods but didn't pay much attention to those prices because I had no interest. I had been looking at the mini2 with 32gb at Costco for $334but decided on this one instead and very pleased with my purchase.
iPads Deals
ethics of manufactured spend: who loses?
Added on : Wednesday November 12th 2014 03:00:11 AM
g: 0 Posted By: catanpirate
Views: 56 Replies: 1 A thought expirement. Old catanpirate applies to a credit card with a 50k frequent flyer signup bonus, with the intention to close the card after the bonus is received, and is approved. Catanpirate receives the card in the mail, heads down to his local grocery store and buys several thousand dollars of VR. Catanpirate returns home and loads VR onto his BB. Catanpirate logs on to his BB account, and pays his new credit card bill - or simply withdraws the funds into his checking account after he sets his new credit card to autopay balance in full.

I'm getting scrupulous. May get red for it. I've kind of decided to find whether I'm okay with continuing to do this. The returns are large, I know.

Who wins and loses in the above scenario?

Catanpirate: wins big. For the cost of a hard pull, he gets two round trip tickets. He doesn't even need the cash on hand to cover the transaction (though this is not advised), since his credit card payment from BB will post even before the credit card transaction is finalized. He can certainly pay off the balance before the statement closes if he wanted to.

Grocery store: unharmed?I don't believe the grocery store is harmed. There is a transaction fee charged by the credit card for the VR. Frankly, I'm ignorant into what goes on with marketing and so forth between VR and its vendors, and credit card companies and stores that use their payment services. The person at the register or customer service desk could be harmed if they are "conned" into proceeding with a transaction that catanpirate knows is against their store policy.

Credit card company: loses?I know that they plan for this, someone signing up for the rewards and then canceling. It's all part of their marketing strategy. I don't know too much about this.

Airline: loses?How can catanpirate receive two round trip tickets without having to pay anything for them? Does the credit card company pay for these? If so, then the cc co. loses quite hard.

VR: unharmed?I don't think VR cares with how it's used. The trouble is that it seems so unregulated that I'm sure that it is used very frequently for illicit purposes (ie money laundering, trafficking, funding crime and badness, etc).

BB: loses?Catanpirate is not using BB the way Amex wants him to. He is not generated revenue by making purchases. He's not obligated to do this, of course. He is basically using BB to move money around.

Anyways, thanks for humoring me. I'm trying to think this through. I'm guessing there aren't a lot of people on FWF who object to doing MS.
Discussion Deals
g: 0 Posted By: Larryslug
Views: 235 Replies: 0 Use code VETERAN40 FOR 40% off your order of regularly priced items. It seems there must be a glitch in the system as this code is only supposed to be good for one regularly priceditem, thus the YMMV in the title. If my order is cancelled so be it. Also I am not sure if it is sitewide or only music and dvds like I ordered


I was e-mailed a code good for 40% off a single regularly priced item. I was going to buy an audio cd/blu-ray combo and choose in-store pickup and seen that it seemed like I could add more than one coupon code in my cart.So I used the code VETERAN40 and sure enough the second item added a 40% discount. I then decided to make it a $50 order to get free shipping. That is when I discovered the glitch as each item added increased the discount. I added an item on sale (43% off anyway) to get the total up to $50..and actually the total was $50.23 after sales tax. Just for fun I went to amazingon to comparison shop and the cds and dvd were $71.

I tested to see which code had the glitch and was able to verify it was VETERAN40; when I removed it and kept only the code e-mailed to me then only the highest priced item in the cart was 40% off.


Books Deals
GSM Moto G 2013 $95 and Moto G 2014 $133 at Sears
Added on : Sunday November 09th 2014 03:00:04 AM
g: 9 Posted By: ZombieHunter
Views: 2100 Replies: 5 Both of these are currently on sale for a couple of days during the F&F sale.

Both of these are easily unlockable from sellers on eBay for under $3.
-------------------------
The Moto G 2013 8gb model is the Global Version XT1032 so T-mo users will only get 2G.
http://www.sears.com/consumer-cellular-motorola-moto-g-android-s...

unlocked through these guys in about 20 minutes: http://www.ebay.com/itm/131267844827?_trksid=p2059210.m2749.l264...
--------------------------
The Moto G 2014 8gb model is a US version XT1064 and has a MicroSD slot (Says up to 32gb, but I am using a 64gb Samsung Evo with no problems)
http://www.sears.com/consumer-cellular-motorola-moto-g-8482-ext-...

unlocked through these guys in about 15 minutes: http://www.ebay.com/itm/191372507473?_trksid=p2059210.m2749.l264...
---------------------------
After my Nexus 5 crapped out last week, I decided not spend $400+ on a phone, and bought both of these to try, I settled on the 5" because of my fat fingers. But, they are both great phones and very responsive. Both have 4.4.4 KitKat and of course will upgrade to 5.0 soon.

These are both Consumer Cellular models, but contain Vanilla Android. Both are unbranded and contain one 480k app for Consumer Cellular. The 2013 version you can hide the app, the 2014 version, you can stop it, but not hide it.

These both are great primary phones and spare phones.

+ TAX of course.

Finally, these are NOT Iphone 6's, Nexus 6, S5's, G3's, etc... So please do not compare them. These are great budget phones at a great price....
Cell Phones Deals

Sears Coupons
GSM Moto G 2013 $95 and Moto G 2014 $143 at Sears
Added on : Saturday November 08th 2014 02:00:04 PM
g: 2 Posted By: ZombieHunter
Views: 378 Replies: 0 Both of these are currently on sale for a couple of days during the F&F sale.

Both of these are easily unlockable from sellers on eBay for under $3.
-------------------------
The Moto G 2013 8gb model is the Global Version XT1032 so T-mo users will only get 2G.
[url]http://www.sears.com/consumer-cellular-motorola-moto-g-android-s...[/url]

unlocked through these guys in about 20 minutes: [url]http://www.ebay.com/itm/131267844827?_trksid=p2059210.m2749.l264...[/url]
--------------------------
The Moto G 2014 8gb model is a US version XT1064 and has a MicroSD slot (Says up to 32gb, but I am using a 64gb Samsung Evo with no problems)
[url]http://www.sears.com/consumer-cellular-motorola-moto-g-8482-ext-...[/url]

unlocked through these guys in about 15 minutes: [url]http://www.ebay.com/itm/191372507473?_trksid=p2059210.m2749.l264...[/url]
---------------------------
After my Nexus 5 crapped out last week, I decided not spend $400+ on a phone, and bought both of these to try, I settled on the 5" because of my fat fingers. But, they are both great phones and very responsive. Both have 4.4.4 KitKat and of course will upgrade to 5.0 soon.

These are both Consumer Cellular models, but contain Vanilla Android. Both are unbranded and contain one 480k app for Consumer Cellular. The 2013 version you can hide the app, the 2014 version, you can stop it, but not hide it.

These both are great primary phones and spare phones.

+ TAX of course.

Finally, these are NOT Iphone 6's, Nexus 6, S5's, G3's, etc... So please do not compare them. These are great budget phones at a great price....
Cell Phones Deals

Sears Coupons
American Express: $5 Back on $10 Purchase at Starbucks (via Amex Offers)
Added on : Friday November 07th 2014 07:00:03 PM
g: 0 Posted By: martin628
Views: 255 Replies: 3 I spoke toa csa in theAmex promo deptand was told that due to the overwhelming popularity of the Twiiter offer, they have decided to make the offer available directly through the Amex Offers section of their website.
If you have not previously taken advantage of the Twitter offer, you can check your account offers to see if it has already been added.
I created a new thread to reflect the new offer, so those seeing it will check their accounts first without having to go through the tweet process.

I have used the offer directly on starbucks.com to reloadmystarbucks card with $10 andreceived theamex email immediatelysaying the the offer had beenfulfilled.
Do not try it on an eGift card as that is sold by another company...

OFFER DETAILS: Get a one-time $5 statement credit by using your enrolled Card to spend a total of $10 or more on qualifying purchases online at store.starbucks.com by 12/31/2014. Offer not valid in-store. TERMS: Offer valid online only at store.starbucks.com. Not valid on in-store and phone orders. Offer valid for US site only, all Starbucks international sites are excluded. Offer is only valid for purchases shipped within the United States. Offer is not valid on the following brands: Seattle's Best, Tazo Tea, Teavana, Evolution Fresh, and La Boulange. B2B transactions, including corporate gift card purchases are excluded. Starbucks Office Coffee (starbucksocs.com) and Starbucks Branded Solutions and Food Services (starbucksfs.com) are excluded. If you order an item during the offer period but it is not sent until after 12/31/14, it may not count towards determining whether the purchase qualifies for the offer. Enrollment limited. Must add offer to Card and use same Card to redeem. Limit 1 statement credit per American Express Card across all American Express offer channels. Statement credit will appear on your billing statement within 90 days after 12/31/14, provided that American Express receives information from the merchant about your qualifying purchase.

Grocery Deals

American Express Consumer Coupons
Paypal reduced the backup funding limit for everyone i need an alternative
Added on : Wednesday November 05th 2014 12:00:05 PM
g: 0 Posted By: jimmyzshack
Views: 105 Replies: 3 Anyone know a good bank that gives % Cash Back on purchases with a debit card? Paypal decided to change the backup funding for all paypal users to $1000 from $3000 without warning. I get 1.5% Cash Back on that those 2 cards. It takes too long to transfer money into paypal sense green dot came along. i need a better solution that is NOT a credit card and doesn't have limits higher than $1000 Cash Back a month.

Question Deals
CT As Hi Sparkling Sequins and Canvas Sneaker crafted in canvas with all over sequin detail and leather accents, adds sparkle to what ever you decide to pair it with including a maxi skirt if you dare. Featuring sparkling sequined hi-top upper, leather tongue with logo star, lace-up front closure, leather heel tab with star, rounded toe cap and white rubber sole. Limited edition.
Pep Boys 25% offf order over $100 (FALL25), plus free shipping
Added on : Tuesday November 04th 2014 03:00:04 PM
g: 0 Posted By: HokieBrian
Views: 138 Replies: 0 I've been looking for a tool box for my truck, saw one in their B&M store for $199, which I though was pretty good, but waited to check online for deals. Went to their website and saw that they're doing a "FALL25" coupon code for 25% off anything over $100. Added the truck box to my cart, applied the coupon, and boom - $50 knocked off. I also could get free shipping, but decided to just pick-up at store tomorrow, since shipping would probably take longer. I think it was about $162 after taxes.

If you need any other car parts or accessories, might be a good time to head to http://www.pepboys.com/
Tools & Automotive Deals
Free Over $135 worth of Amazon Android Apps
Added on : Friday October 31st 2014 10:00:10 PM
g: 0 Posted By: bearcloud
Views: 96 Replies: 0 Quickly, get your free apps before it's too late. Ends Saturday...

Plex
Plex organizes all of your personal media, wherever you keep it, so you can enjoy it on any device. With Plex, you can easily stream your videos, music, photos and home movies to your Android phone or tablet from your home computer running Plex Media Server (available for free at https://plex.tv).

Fruit Ninja
Playing with your food might not seem like a crucial part of ninja training, but as the good folks at Halfbrick Studios will tell you--for ninjas, it's more than just a game. All ninjas hate fruit! Join the ninja clan as you slash your way through three modes of juicy gameplay. You'll soon see that Fruit Ninja is the messiest, most satisfying fruit game ever!

Plants vs. Zombies
Get ready to soil your plants! The hit PopCap game comes to Android at last. Forget shotguns, flamethrowers, and cricket bats. A well-tended garden is your best defense against a rampaging horde of undead. Keep the zombies at bay with an array of deadly plants and well-aimed lawnmowers. With Plants vs. Zombies, the fun never dies!

Sonic the Hedgehog
The sequel fans have waited for is finally here - Sonic The Hedgehog 4 Episode I!
Featuring enhanced gameplay elements, including the classic Sonic Spin Dash, and the versatile Homing Attack, Sonic 4 picks up right where Sonic and Knuckles left off.

Human Anatomy Atlas
***** The definitive world-wide bestseller with the most anatomy.
***** The most content of all true 3D anatomy apps. Over 3,800 anatomical structures (1) New microanatomy of senses (2) Anatomy of male and female urinary and reproductive structures (3) Optional animations that present physiology and function.
***** New UI and new features: (1) Share views with other users of Atlas for iPad/iPhone. (2) Create notecards to use in presentations or for studying (3) Access views for all twelve systems from one home screen. Quickly add entire systems to any view.
***** Want to try the app for free? View More from developer and download the free Skeleton Preview version (Human Anatomy Atlas SP).

World of Goo
Beautiful and surprising, the millions of Goo Balls who live in the World of Goo are curious to explore - but they don't know that they are in a game, or that they are extremely delicious.
This is the FULL award winning game, now on Amazon Apps! Drag and drop living, squirming, talking, globs of goo to build structures, bridges, cannonballs, zeppelins, and giant tongues.

Zombie Gunship
Zombie Gunship puts you in the gunner seat of a heavily-armed AC-130 ground attack aircraft. Strategically fire your powerful guns to slay endless waves of zombies and protect the remaining survivors of the zombie apocalypse!

Blocky Roads Pro
The tornado ripped your farm apart and scattered it around the Globe. Collect the missing parts to restore the farm to its former glory!
Choose one of the 9 cars or build your own block by block!

Toca Town
You rule in Toca Town, a play world where anything and everyone is welcome! With different locations and many classic Toca Boca characters, the everyday adventures in Toca Town are infinite.

Unpossible
Unpossible will test your skills, your reflexes, and even your memory. It will make you smile. It will probably make you scream. You will die often and it will always be your fault. Fight to learn the obstaclesthey already know how to fight you. Relentless. Thrilling. Unpossible!

Lapse It Pro
Lapse It is an award-winning full featured app for capturing amazing time lapse clips with your Android camera, simple, fast and intuitive.
"Looking to do time-lapse with your mobile device? Lapse It is a very appealing option" by Erez Zukerman, PCWorld

Can You Escape
Can You Escape saga continues with the grand adventure. Your mission is to test your escaping skills at different locations by solving amazing puzzles and using all the objects around you to advance to the next stages.
Do you accept this challenge? Let's find out if you have what it takes to complete this free, fun and popular adventure game!
Download this game now and find out the answer... Can You Escape - Adventure!

Trivia Crack
From the creators of Aworded arrives Trivia Crack, the amazing quiz game that lets you test your knowledge and challenge your friends to see who is the smartest! Trivia Crack is a trivia game with six different categories: geography, history, art & literature, science and technology, entertainment, and sports. You'll have to collect the characters that correspond to each one of the categories. Spin the wheel and chance will decide which category you will have to answer. If the wheel stops at the special slot, you'll be able to play for a character of your choice! But knowledge is not enough to win!

Devil's Attorney
Devil's Attorney is a turn-based strategy game set in the 80's where you play as Max McMann, a defense attorney that's high on charm but low on moral fiber.
Your objective is to free all of your clients and use the money you earn to buy accessories and new furniture for your apartment; boosting your ego and unlocking new courtroom skills in the process.

BeFunky Photo Editor Pro
With all the photo effects you love and many you wont find anywhere else, BeFunky is the most feature filled photo editing app in the world! BeFunky comes stocked with powerful photo editing tools, tons of fonts (tons more now because you can access all the fonts in your device!), fantastic photo frames, a bunch of great goodies and stickers, and the ability to simultaneously share your photo to your device AND BeFunky/Facebook/Twitter/Instagram/Flickr/Tumblr, then to top it all off we added our WORLD FAMOUS Collage Maker!!

Endomondo Sports Tracker Pro
The only personal trainer youll ever need fits right in your pocket. Whether youre running, cycling, walking, kayaking, or something completely different, we keep you motivated, and most importantly - keep what youre doing fun.
Track routes, record stats and share your workouts - all from one simple app. Join 25 million users and start freeing your endorphins.

Repix
Repix is more than a photo editor. Its a creative tool that lets you turn ordinary photos into masterpieces. Studio-grade technology and intuitive interface to inspire new levels of creativity.

Plant's Vs Zombies (WIFI Download Only)
Get ready to soil your plants! The hit PopCap game comes to Android at last. Forget shotguns, flamethrowers, and cricket bats. A well-tended garden is your best defense against a rampaging horde of undead. Keep the zombies at bay with an array of deadly plants and well-aimed lawnmowers. With Plants vs. Zombies, the fun never dies!

Longman Dictionary
"Longman's flagship learners dictionary is now available as an Android application. Improve your fluency in English with the most up-to-date learner's dictionary at your fingertips.
Now with integrated Thesaurus and Collocations Dictionary.

Easy Voice Recorder
Easy Voice Recorder Pro is a fun, simple and easy to use audio & voice recorder. Use it to reliably record your meetings, personal notes, classes, and more, with no time limits or ads!

Icebreaker: Viking Voyage
An epic adventure based on the award-winning flash game!
An icy wind has swept the Vikings away, leaving them stranded throughout the land and surrounded by trolls, deadly traps, dangerous enemies, and worst of all troll snot!
Now its up to you to save them!

Eve of Genesis
Two thousand years ago, a faraway world was under the control of an empire of living machines. Humans toiled for their robotic masters for ages, until the day revolution finally came. The dread empire was driven into the Lands of Darkness, and humans could finally chart their own future.

ScreenDim Full
Is your minimum screen brightness still too bright? Dim your screen below what your device normally permits for comfortable use in darker environments, reading in bed, amateur astronomy, etc. Save battery life. No root required.

Alpha Wave
Do you have 10-15 minutes to kill? Alpha Wave was made for just such an occasion! A well polished, extremely easy to play, intense arcade space shooter with it's roots firmly planted in the old-school arcade classics such as AstroSmash, Galaga and Asteroids.

Eufloria HD
Experience space exploration, conquest, plant growth and bio mechanical evolution. Conquer asteroids in deep space and use their resources to grow and nurture semi-organic plants and creatures to do your bidding. Plan your strategy against AI opponents that all vie for the same resources and offer fierce opposition.

CarbsControl Carb Counter and Tracker
Perfect for people with diabetes and those on low-carb diets, CarbsControl App keeps your carbs under control.
With 80,000 foods and details from 300 restaurants and 500 specific brands, youll know exactly where you stand with your carbs for the day. This App works great with the Atkins Diet, South Beach Diet, the Zone Diet, Protein Power Lifeplan, Go Lower Diet, and other low-carb plans. Its also helpful for those trying to lose weight or maintain their current weight by cutting back extra carb calories. This App helps you stick to your carb goals even when eating out.

Amelia and Terror Night Story Book for Kids
Help Amelia and team rescue their friend from devious dark creature - Whine.
It is a story about friendship, acceptance, cooperation and courage. Discover unique adventure you have never seen before.

Weird Park: Scary Tales
Louis the Clown and Mr. Dudley are back in an all-new disturbing adventure full of twisted versions of childrens fairy tales. Play through the dark and well-crafted puzzles, discover hidden objects, and rescue the children who have been taken to the evil clowns tower. You will be drawn in by the amazing story, the creepy atmosphere, and the awe inspiring cinematics. Prepare for anything in Weird Park: Scary Tales!

Braveland
Braveland is a turn-based game inspired by old-school strategies. You start as a humble warrior's son whose village was cruelly raided by bandits and use your wits and skill to become a commander of your own army. The game story takes place in a carefully drawn colorful world, which the path of your hero will go through.

Knock-knock
Three generations of Lodgers have occupied the cabin, but lately, the walls seem to undulate, skittering unknowns shift in the darkness, and an unruly growl seeps from the attic. Are they hallucinations pecking at the insomnia-afflicted Lodger, or the gnarled remnants of a darker secret?

MoneyWiz - Personal Finance
Have all your accounts, transactions, budgets and bills in one place. See forecasts & reports. Import easily from other software. Always have your data in sync between multiple devices with SYNCbits. This is MoneyWiz!

Hidden Object - Haunted House 2
Popular Hidden Object - Haunted House game is back with 20 new spooky levels! Packed with loads of items to find, this sequel to the amazing hidden object game sends more goosebumping and chilling experience to loyal fans!

Timers4Me - Stopwatch Pro
Timers4Me Plus is an easy-to-use count down timer tool to create and manage multiple timers, such as parking timer, cooking timer, working timer, napping timer, sports timer and more. The best timer tool you must have!
NO TIMER NUMBER LIMIT,AD FREE AND LESS PERMISSIONS COMPARED TO THE FREE VERSION TIMERS4ME

ai.type Keyboard Plus
Over 10 million users LOVE ai.type! Now launching a brand new premium version with significantly improved next word prediction capabilities and a refreshing FLAT design, ai.type is the smartest Android keyboard with context aware features.

XnInstant Camera Pro
Take awesome photos in vintage style with many professional real-time filters.
Perfect app for selfies, you can take several photos in a row at events, parties with your friends.

Web of Deceit (Kindle Edition)
Youre drawn into a web of deceit when your train stops in Andville, where the Black Widow lies in wait. Follow a trail of clues and dead husbands as you explore this once picturesque town now at the mercy of the Black Widow and her mechanical minions. What drives her lust for revenge? Where is the root of her strange power? Uncover the bizarre history and mystery of this little town. And track down the Black Widow in time to foil her devious plot for revenge! Discover more from Big Fish Games! Big Fish is the leading global marketplace to discover and enjoy casual games.

V for Vampire
Help the little Vampire to make his way through the levels to the objects of his desire: Beautiful pale Princesses with delicious royal blood running through their veins!
Nerdy skeletons, witty witches and angry bats will try anything to get in your way! Make sure to turn off every source of light by throwing stones and bombs. Use bouncing magic mushrooms, flooding water, disgusting smoke and many other items! If you succeed, a very tasty reward will be yours!

To-Fu Fury
To-Fu Fury is a fast-paced, action-packed take on the puzzle-platform genre. Use the Amazon Fires ground-breaking Dynamic Perspective to solve crafty physics puzzles and triumph in frenetic melee battles. Stick to wooden surfaces, slide down slippery jade, and use metal to ricochet towards your goal but beware the deadly traps and devious Hoshi bandits!
Free Apps Deals
Nakamichi Mini Speaker $3.24 @Sears YMMV
Added on : Thursday October 30th 2014 05:00:03 PM
g: 0 Posted By: Y3ll0wSlack3r
Views: 193 Replies: 2 Saw a bunch of these at a clearance section in my local Sears store yesterday.
It had 75% off.
Before I bought it, I asked an associate for the price. He scanned it and it was $19.99. With 75% off, it was $5.
I decided to buy, but then it turned out the speaker was $12.97, and with 75% it was only $3.24.

Link to item

Search forItem # 05727239000P
Model # MI01This speaker has very good review on Amazon and it is a great item for upcoming holiday gift or Yankee Swap

Headphones & Speakers Deals

Sears Coupons
Traffic Ticket (21453B,Right Turn On Red) In Bay Area CA
Added on : Thursday October 30th 2014 03:00:11 PM
g: -14 Posted By: kayke
Views: 1714 Replies: 63 Hello, everyone
I am a new driver, I just got my license early this year. I was driving on Hayward A st, ready to turn in to Grove Way, this was a sign " No right turn on red", I was paying attention to the traffic and the police suv cross street of me, i didn't notice the sign. As soon as i just turn, that police suv was tailing me, then he pulled me over gave me a ticket. He told me that he pulled over so many people in the same spots, i don't need to go to court, just pay the bill online.
Traffice Ticket (21453bB) In Bay Area CA
I heard the bill will be at least $500, can anyone here help me, thank you so much~~

Another information is the one who gave me the ticket is a highway Patrol, yet he caught me in downtown street. Is that means most likely he won't show up in the trial if I decide to gofor trial ?
Personal Finance Deals
Traffic Ticket (21453B) In Bay Area CA
Added on : Thursday October 30th 2014 02:00:06 PM
g: -14 Posted By: kayke
Views: 1681 Replies: 62 Hello, everyone
I am a new driver, I just got my license early this year. I was driving on Hayward A st, ready to turn in to Grove Way, this was a sign " No right turn on red", I was paying attention to the traffic and the police suv cross street of me, i didn't notice the sign. As soon as i just turn, that police suv was tailing me, then he pulled me over gave me a ticket. He told me that he pulled over so many people in the same spots, i don't need to go to court, just pay the bill online.
Traffice Ticket (21453bB) In Bay Area CA
I heard the bill will be at least $500, can anyone here help me, thank you so much~~

Another information is the one who gave me the ticket is a highway Patrol, yet he caught me in downtown street. Is that means most likely he won't show up in the trial if I decide to go to trial ?
Personal Finance Deals
g: 0 Posted By: Y3ll0wSlack3r
Views: 100 Replies: 0 He's Irresistible: Contemporary Romance Boxed Set

Get it while it is FREEEditorial ReviewsAbout the AuthorSUSAN HATLER, VERONICA BLADE, VIRNA DePAUL SUSAN HATLER is an International Bestselling Author, who writes humorous and emotional contemporary romance and young adult novels. Many of Susan's books have been translated into Spanish and German. A natural optimist, she believes life is amazing, people are fascinating, and imagination is endless. She loves spending time with her characters and hopes you do, too. You can reach Susan here: Facebook: facebook.com/authorsusanhatler Twitter: twitter.com/susanhatler Website: susanhatler.com Blog: susanhatler.com/category/susans-blog VERONICA BLADE lives in Southern California with her husband and whichever of their kids or someone elses kid decides to drop in. By day she runs the family business, but each night she slips away to spin her tales. She writes stories about young adults to relive her own childhood and to live vicariously through her characters. Except her heroes and heroines lead far more interesting lives and they are always way hotter. You can visit Veronica Blade on Facebook, check out her website at www. VeronicaBlade.com, or follow her on Twitter @VeronicaBlade. She loves hearing from readers! VIRNA DePAUL is a former criminal prosecutor and bestselling author of steamy, suspenseful fiction. Whether its vampires, a Para-Ops team, hot cops or swoon-worthy identical twin brothers, her stories center around complex individuals willing to overcome incredible odds for love. CONTACT VIRNA HERE: Website: http://www.virnadepaul.com (Sign up for my monthly newsletter for updates and contests!) Twitter: @virnadepaul Email: virna@virnadepaul.com Facebook Fan Page: http://www.facebook.com/booksthatrockProduct DetailsWould you like to give feedback on images or tell us about a lower price? .

File Size: 1402 KB
Print Length: 308 pages
Page Numbers Source ISBN: 1493627678
Simultaneous Device Usage: Unlimited
Sold by:Amazon Digital Services, Inc.
Language: English
ASIN: B00FQ5TWJY
Text-to-Speech:
X-Ray:http://www.amazon.com/dp/B00FQ5TWJY?ie=UTF8&link_code=as3&camp=211163&creative=375279&creativeASIN=B00FQ5TWJY#
Lending: Not Enabled


Totally Free Deals
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/gp/product/B00OE8JPXC/

Are You and Your Family Ready to Survive the Next Disaster? Do you worry what would happen to your family in an emergency?
If so, then The Prepper's Bundle: Even More Survival Guides for Every Situation is exactly what you need.
With this collection you'll get four best-selling guides covering dozens of different aspects of Prepping. With tons of information for beginners all the way to seasoned preppers, this collection cannot be found anywhere else. Save $$ off the price of buying each book individually!

With The Prepper's Bundle: Even More Survival Guides for Every Situation, you'll get the following:

Bugging In or Bugging Out?: This guide will teach you all about bugging out versus bugging in, including:
- The main differences between Bugging In and Bugging Out
- How to pack a Bug Out Bag for each member of your family, without going overboard.
- How to fortify your home and yourself for ultimate safety and protection.
- Tips and Tricks for deciding which method is right for you
- And much, much more!

The Urban Prepper: A City Survival Guide: This guide will teach you about prepping for survival in an urban situation, which is completely different than a rural one. You'll learn how to:
- Pack an Urban Bug Out Bag for each member of your family.
- Fortify your city home for ultimate protection.
- Decide which foods and supplies you need to store for urban survival
- And much, much more!

The Prepper's Guide to Firearms: This guide will teach you the fundamental issues around having a firearm for survival. You will learn how to:
- Choose which type of firearm is right for you and your family
- Maintain and repair your firearm, to keep it in top working condition
- When to use your firearm and when to keep it holstered
- Important training and marksmanship drills to help you become a better shooter
- Much, much more!

The Frugal Prepper: Survival on a Budget: The Frugal Prepper: Survival on a Budget will guide you and your family through the important steps and considerations that you need to begin prepping without spending a lot of money. In this book you will learn:
- Which foods and supplies you need to store for survival, and how to find them for the lowest price possible.
- Pack a Bug Out Bag for each member of your family, without going overboard.
- Fortify your home and yourself for ultimate safety and protection.
- Clever ways to cut costs and save big while prepping.
-And much, much more!




also

Mason Jars for Extreme Preppers Vol.2 - A Beginner's Guide to Using Mason Jars to Prepare for Emergency Situations
http://www.amazon.com/Mason-Jars-Extreme-Preppers-Vol-2-ebook/dp...


PREPPER: THE PREPPER'S URBAN GUIDE: A Beginner's Survival Guide For Emergency Water & Food Storage During Crisis
http://www.amazon.com/PREPPER-PREPPERS-Beginners-Survival-Emerge...


The Urban Prepper - A Quick Start Handbook for Modern Day Preppers to Prepare For Any Disasters
http://www.amazon.com/Urban-Prepper-Handbook-Disasters-Preparati...


The Prepper Survival Guide to Bugging Out When You Absolutely Positively Can't Stay There Any Longer
http://www.amazon.com/Prepper-Survival-Bugging-Absolutely-Positi...


Survival Essential Tactics - The Urban Prepper's Handbook To Preparing The Essentials For Modern Day Disasters
http://www.amazon.com/Survival-Essential-Tactics-Preparing-Essen...










Totally Free Deals
3-Pack Andrew Scott Woven Lounge Pants $14.98 shipped @ Tanga
Added on : Saturday October 25th 2014 06:00:09 AM
g: 1 Posted By: ctgolfer
Views: 196 Replies: 0 Made from 85% microfiber poly and 15% cotton, these lightweight fabric pants have both vented pockets and an adjustable drawstring. They are great for sitting around and redefining what relax actually means. Theyre machine washable and youll receive 3 pairs with this deal, so if you decide to the weekend should come early, youll have the pants for the job!

Whats Included:

3 Andrew Scott Lounge Pants
Note: Colors are selected at random.

www.tanga.com/deals/3b591d529c92/3-pack-andrew-scott-woven-loung...
Clothing Deals

Tanga Coupons
LG 55 inch 1080p TV 539 Frys
Added on : Friday October 24th 2014 07:00:54 AM
g: 0 Posted By: harrisonh
Views: 186 Replies: 0 Not advertised, but on sale in store at Fry's Electronics
I went in to pick up the great deal on the Samsung55inch for 599. While I got there, they had the 55 inch LG LB6000 series (I think it's the top of their "dumb" tv line") for only 539.
Because I've had great success with other LG products, I decided to save the 10% off the Samsung price.

Pros: nice 55 inch panel with full array and 120 motion, but the electronics are oversampled to 240hz. Motion was very smooth. Vibrant colors,very very good performance on test pattern bluray. Very good blacks, especially forbeing so inexpensive.
Cons: not a "smart TV, but who cares? All of us have multiple devices thathave "smart features". Only 2 HDMI in and no HDMI out, but that is pretty standard for under 1000TV's. It has a dark metal bezel instead of black, which I would have preferred. Under movie room lightingconditions it is completely invisible, but under conditions like watching the news it is visible, but not distracting.It is very small about 3/8 inch, so not too intrusive. No 3d, but I don't really like 3d anyways, and wasn't looking for one. No auto adjust brightness, but again that's pretty much standard under about 800 and I can do it myself, or forget about it.

Stock level is pretty good at my location.
LED TV Deals
g: 0 Posted By: remick
Views: 119 Replies: 0 Minecraft Kid's Stories Book
http://www.amazon.com/gp/product/B00ONCO6P6

From Best Selling Children's Book Authors...

A Collection of Awesome Minecraft Short Stories for youngsters!

Inside this carefully complied collection of Minecraft children's stories, you will find exciting stories to capture your child's attention. Help your little one's to get reading with these adventurous Minecraft stories.

Inside over 100+ pages of Minecraft kid's stories including...

Brother Brother

A girl with a dark past has no idea who she is or where she is. Nevertheless, she has lived a life under the wrong identity this whole time. Her real brother stumbles upon her and takes her back to lead her to the right path. After discovering who she is and what her purpose is, she teams up with her brother to make things right.

Somewhere In The Blocky World
This story is the story of a girl named Kat. She is a sweet, kind and loving individual. However, when it comes to fighting, she is one of the best in Minecraft.

Enderman Army
John is a man finds who finds himself in a lot of trouble. After a series of numerous tests, he finds out that he is on Minecraft to serve a greater purpose. He is the new spy for the Enderman Army. When faced with an impossible mission, John must push the limits physically and mentally to save the army.

Need for Steve
Based on the popular video game and movie, Need for Speed, this Minecraft novel features racing, betrayal, and the coolest minecarts. Hold onto your hats and GET READY TO RACE.

The Royal Ores

The kingdoms of Minecraft have been living in peace for a very long time. Tara has just turned 17 and is set to become the queen of diamonds. However, tragedy strikes and the squids decide to attack the kingdom and hunt down Tara. They are very interested in her magical powers!

Stampy Cat and Friends

In a world of adventure, danger, and excitement lives one feline who isn't afraid of anything. He travels all across Minecraft. He creates ingenious inventions. He plays tons of games. But most of all, he is always on an adventure with his friends. His name is Stampy Cat.





Minecraft Books for Kids: The Complete Minecraft Book Series
http://www.amazon.com/Minecraft-Books-Kids-Complete-Novels-ebook...

The following books are included in this Minecraft Boxed Set:



Trapped in Minecraft: Spuds Thrilling Adventure in the Overworld

Trapped in Minecraft starts with Spud, a perfectly normal kid, who gets home and plays his Minecraft game. Like most nights, he plays for as long as he can. But this time, he soon finds himself trapped inside the Minecraft game, fighting for his survival. Will Spud escape or become another victim to Minecraft?



Stories from the Skylands

This story starts with our main characters, Rozzie & Greyson, tricking their parents into letting them hunt for secret treasure on Shell Mountain. Once they reach the mountain, however, they are transported to a strange, dangerous world the Skylands! Filled with floating islands, weird creatures and dangerous obstacles, the Skylands make Rozzie and Greyson wish they were back at home under the covers!



Escape from Minecraft: Buck Descends into the Caves

Buck was having another normal night, playing Minecraft in hopes that his mom would stop bothering him. The longer he plays, however, the more he realizes he is being transported into the game! Soon he is in the caves, battling angry creepers and scary zombies. Will Buck be able to lead his group through the spooky Minecraft caves and get back to the real world?



Herobrine Invades the Overworld

The Overworld has been swarmed and civilization destroyed by massive hordes of attacking Creepers. Someone is behind it and some say its Herobrine. Our three heroes, Tone Dead, Fumbles, and Moose, form a deadly team and fight their way through horde after horde. Finally, they encounter the legendary Herobrine. But Herobrine wasnt exactly who they thought
Totally Free Deals
Free Android App on amazon: Tiny Thief
Added on : Tuesday October 21st 2014 09:00:10 AM
g: 0 Posted By: sarahturtle
Views: 69 Replies: 0 http://amzn.com/B00EAIMGDW
Product Features

Six big adventures - sneak and steal your way through six epic quests, featuring an awesome pirate ship and daring castle siege!
Use cunning and skill - out-smart your tricky opponents using the element of surprise and some downright sneakiness!
Unexpected surprises - explore fully interactive levels and uncover hidden treasures and other surprises at every turn!


Product DescriptionJoin Tiny Thief on a big adventure!

In a world of greed, corruption and injustice, one little guy decides to stand up for the little guy! Say hello to Tiny Thief, an unconventional hero who uses cunning and trickery to out-smart his opponents across six epic medieval adventures. But beware! He faces fearsome foes, like the Dark Knight, rogue pirates and even a giant robot!

Tiny Thief brings back the magic from the point-and-click games of old, charming you with its very own visuatol style and offbeat sense of humor.

The game throws some seriously mind-boggling puzzles at you, with tons of surprising interactive gameplay elements along the way. So get ready to embark on an epic quest to save a princess and kingdom in peril!

Six big adventures sneak and steal your way through six epic quests, featuring an awesome pirate ship and daring castle siege!

Use cunning and skill out-smart your tricky opponents using the element of surprise and some downright sneakiness!

Unexpected surprises explore fully interactive levels and uncover hidden treasures and other surprises at every turn!

Tiny Thief is ready to start his big adventure. Are you?

Terms of Use: http://www.rovio.com/eula

Privacy Policy: http://www.rovio.com/privacy


Important Message for Parents

This game may include:
- Direct links to social networking websites that are intended for an audience over the age of 13.
- Direct links to the internet that can take players away from the game with the potential to browse any web page.
- Advertising of Rovio products and also products from select partners.
Technical Details

Totally Free Deals
g: 1 Posted By: remick
Views: 286 Replies: 0 http://www.amazon.com/gp/product/B00NFUPKNO/

4.9 out of 5 stars (11 customer reviews)

WHAT IS THE SINGLE MOST IMPORTANT ELEMENT THAT HINDERS YOUR SUCCESS?

This book answers that question.

In a society awash with perseverant yet unsuccessful men and women, this book is making a great plea to all readers: Let us show you the 10 key languages of success. The book surveys the rich, successful and famous and illustrates what it takes to thrive in life, distance yourself from the rest of the pack, and wrap your existence in the language of success, motivation and conviction.



also free

On the Leadership Journey...: 30 conversations about leading yourself and others
http://www.amazon.com/On-Leadership-Journey-conversations-yourse...
4.8 out of 5 stars (6 customer reviews)

The way you grow internal power (greatness within) and how you project that power (influence) in your environment will dictate your level of success every day. This book is not about boring theories of leadership but about finding, within your arena of life, real leadership growth and manifesting it in everything you do. This is about converting your every-day life experience into an influential leadership experience. Thats how you will become the leader others want to follow!




Success Made Simple: Achieve Your Business and Personal Dreams by Mastering One New Habit at a Time
http://www.amazon.com/gp/product/B00O47VRPW

It is in your moments of decision that your destiny is shaped
Tony Robbins

This is one of my favourite quotes. The reason is, it can be put to use moment by moment in every area of our lives. In fact right now as you are reading this introduction you have the opportunity to make a commitment to yourself to read everything in this book and decide to put one new idea into practice every week, and do what you can to master just one idea. In 12 months from now you will have 52 awesome habits that will change your life forever.

Of course you can also choose to be a slave to your excuses. I dont have time, Im too busy or whatever you can come up with so you dont need to challenge your comfort zone, so you can slide into the massive sea of mediocrity with the masses.

In your hands you have information and ideas that have been generated from almost 20 years of research and experience in the area of personal performance and personal change. You have the opportunity to benefit massively without the significant time, effort and money that I have invested over that period, but you must act! That is the price you must pay for the benefits you can enjoy with this information.



Think Rich: The Power of the Mind - Believe It, Create It, Become It
http://www.amazon.com/gp/product/B00IERPW3Q
4.5 out of 5 stars (19 customer reviews)

Have You Ever Dreamed of Being Rich?
The first steps to becoming rich is believing it WILL happen. You've got to have the mindset and believe that money WILL be in your future...and we're not just talking about a few nickles and dimes - we're talking about thousands or even millions of dollars - that part is up to you to decide.
Recently the secrets of how powerful the mind ACTUALLY is have become more noticed with the wealth of information that is at your fingertips today. Years ago only a few of the wealthiest people knew the secrets I am about to share with you. The richest people in America know that the power of the mind plays a huge role in the ability to make money and become rich.

You Are About To Discover:
- How To Use The Power of the Mind To Your Advantage
- Why & How the Law of Attraction Can Make You Rich
- The Steps Napoleon Hill Used To Become One of the Richest Men Ever
- Strategies To Keep a Positive Mindset & Believe in Yourself
- How To Deal With Failure
- And Much Much More!
Books Deals

Amazon Coupons
ShopRite ending it's reusable bag 5c credit on Oct 25th, 2014
Added on : Sunday October 19th 2014 05:00:06 PM
g: 0 Posted By: rsuaver
Views: 98 Replies: 0 Dear ShopRite Customer:

ShopRite has always embraced sustainable business practices that minimize our impact on the environment and improve the quality of life in the communities we serve. More than 20 years ago, we introduced a reusable bag rebate. One of the first of its kind in the Northeast, the program offered a small financial incentive to reuse your plastic, paper and other reusable shopping bags. Back then it was a way to educate and encourage our customers to conserve resources. We are happy to say that in the last seven years alone, YOU have been part of keeping approximately 321 million bags out of landfills! Our goal of encouraging bag reuse has been met. As a result, we have decided to end the rebate program effective October 25, 2014.

You can load a coupon good for $1.00 towards a reusable bag if you log in to my price club.
Consumer Alerts Deals
g: 0 Posted By: Y3ll0wSlack3r
Views: 13 Replies: 0 Elegant Thanksgiving Recipes: Upscale Your TraditionsBook DescriptionPublication Date: October 4, 2014Make your Thanksgiving dinner one they'll remember...in a good way! With awesome food!Do you search year after year for the perfect Thanksgiving recipes to add a new twist to your traditional turkey and dressing menu? Thanksgiving is a difficult holiday to try to serve something different. Sometimes the tried and true is what everyone wants. So why not give it to them - with some upgrades, of course!This new Thanksgiving recipe book from Natalie Oliver includes a complete menu with recipes for a stunning traditional turkey and dressing meal. Your family and friends will enjoy upscale tradition and never know what hit them! If you've decided to be daring and go with something other than turkey, Natalie also includes two other menus - one with a lamb main course and one with pork.Each mouth watering menu includes appetizers, a main course with several side dishes, a dessert, and a signature drink for the meal. You'll also have a chance to get printable shopping lists for each menu and a BONUS! See inside the book for details!
g: 0 Posted By: DiMAn0684
Views: 73 Replies: 0 I've been with my current insurance company (Plymouth Rock) for 3 yrs now and just got renewal documentation with new premium going up by 30% (no accidents / violations in the past 6 yrs). The cost increase was pretty disappointing so I decided to see how much a similar policy would cost with other insurance providers. So far I have tried getting quotes from three other companies (Geico / Progressive / Metlife) but all of them had property damage liability of $100k max available through their online tools. My current policy goes up to $250k and I'd like to either stick with that amount or go higher. Any ideas on why other insurance companies have such low limits and if there're any ways to increase them? Thank you!
Insurance Deals
Driveway Easement - any concerns?
Added on : Friday October 17th 2014 11:00:02 PM
g: 0 Posted By: dblevitan
Views: 43 Replies: 0 We're considering a house in WA that has a driveway easement along one edge of it. This part of the driveway is shared between this house and the next property. The only information I've found (from public documents) is that there is a non-exclusive right of ingress and egress to the owner of the other property, that maintenance costs are shared between the two houses, and that no structure can be built within 55 feet from this edge of the property. I don't know, at this time, whether other agreements exist. This would be our first home purchase and neither of us has experience with such easements, so hopefully someone can answer a few questions from the financial side of things:

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

Thanks for any help you may have!

Discussion Deals
g: 0 Posted By: JiggleTheHandle
Views: 343 Replies: 4 I have a vested retirement plan from a job years ago.

I received an offer to receive money now rather than after I am dead (do not expect to ever live to see 60). So now is better. It is free money. I have 2 weeks to decide what to do.

Question is, the offer stated it was void without wife's birthday. So I gave it to them and the offer was changed to less money. Wife is not connected to this annuity having signed away her rights to it so I could name someone else to receive funds.The plan is administered by Milliman Service. Is there any way to restore the innitial value?
Investing Deals
Immediate payable annuity early retirement offer from Milliman
Added on : Friday October 17th 2014 09:00:08 AM
g: 0 Posted By: JiggleTheHandle
Views: 153 Replies: 2 I have a vested retirement plan from a job years ago.

I received an offer to receive money now rather than after I am dead (do not expect to ever live to see 60). So now is better. It is free money. I have 2 weeks to decide what to do.

Question is, the offer stated it was void without wife's birthday. So I gave it to them and the offer was changed to less money. Wife is not connected to this annuity having signed away her rights to it so I could name someone else to receive funds.The plan is administered by Milliman Service. Is there any way to restore the innitial value?
Investing Deals
Walgreens emergen-C 30pk Buy 1 get one half off
Added on : Friday October 17th 2014 03:00:05 AM
g: 0 Posted By: skh12
Views: 169 Replies: 1 Emergen-C

most varieties seem to be around $12.50

i was shopping for it on Amazon, and it's an add on for prime, so i decided to check the Walgreens site
Health Deals

Walgreens Coupons
PSA - Beware changes to Mango Money monthly fees
Added on : Thursday October 16th 2014 09:00:12 AM
g: 0 Posted By: BenH
Views: 67 Replies: 2 Not sure how many of you are dealing with a MangoMoney account, but I thought I would share this info as it was news to me.

I have one for my wife and I which is a prepaid debit account with a linked savings that has a 5.85% rate on up to 5K.

Previously, there was no monthly fee if you deposited $500 or more each month.

This month I saw a $3 monthly fee appear on our accounts. When I called to question I was told that they amended their terms and now they charge every month regardless...although they dropped their fee from $5 down to $3.

They claim they sent letters in and e-mails in June...of which I don't recall. I generally don't delete e-mails and can't find any on my wife's or my account.

I'm trying to decide what to do, since I think these change of terms is pretty crappy, especially the surreptitious way in which they have done it.

However, at $36 in fees a year, that still means a net of over $250 dollars on the 5.85%

Additionally, before I had to worry about posting every month and transferring out, now since I will be charged regardless, it doesn't really matter.

I'm still thinking it is a pretty decent return on the money.

Thoughts?
Investing Deals
g: 0 Posted By: peps2004
Views: 112 Replies: 0 I noticed that there are a number of business credit cards that provide primary coverage when renting a car for business purposes so that you can decline the CDW.

We're planning on renting a minivan over Thanksgiving week for a vacation, although I'll also be working while we're there. As the main purpose of the trip is for a vacation, should I assume that the primary coverage wouldn't be included if renting a car using this card, even though some business will be happening on the trip?

I'm trying to decide whether to use this card or pay the $25 for the AMEX coverage.
Credit Deals
Is my approach right or wrong for car lease
Added on : Sunday October 12th 2014 07:00:19 AM
g: 0 Posted By: virtualdesire
Views: 75 Replies: 2 Hi All,
I am quite new to finance and leasing. I am looking to buy a car(new/used/certified) and did a little bit of research on leasing and financing. After going through several pages on google search, what I understood about lease takeover is comfortable option to me. However, I still could not understand a point on lease takeover. Every forum tells the cons while returning the car after the end of the lease. What if I decided to buy that car after the end of lease? Please help me understand this lease take over concept.Will this work out if I want to purchase a vehicle with high depreciation value and do not loose a lot. I know Honda/Toyota have low depreciation. But I am interested to own other cars. So I am considering this option. Please advise me if my assumption right or wrong

Example Lease take over advertisement (Assuming the vehicle is in excellent condition and my credit rating is Good/Excellent seller pays the transfer fees).
Make year: 2012 Ford || Total Lease: 36 months || Monthly Payment: 630 || Remaining Months/miles: 5 months with 1100 miles/month || KBB today value : $31,699 || New car value: $41,000 (Some where between 36k-40K)
From my understanding, the owner might have paid: 31 months * $630 = $19,530 since the time he leased this car. If I take over the lease, the balance amount would be 5 months * $630 = $3150. As we know we have an option to purchase this car at the end of the lease. So I decided to buy this car after 5 months. Does the final price will be $41,000 - $22680($19,530 + $3,150) = $21,470. So will I get this car for $21,470 + $3,150(5 months lease) price = $24,620 approximately?
A certified car is $31,699 (KBB) . But I am getting this car for $24,620. Did I calculate right or is there any thing hiding?

Please help me understand.
New User Question Deals
g: 0 Posted By: remick
Views: 222 Replies: 3 http://sonypicturesstore.com/product.html?productId=195934

Jay (Jason Segel) and Annie (Cameron Diaz) are a married couple still very much in love, but ten years and two kids have cooled the passion. To get it back, they decide why not? to make a video of themselves trying out every position in THE JOY OF SEX in one three-hour marathon session. It seems like a great idea until they discover that their most private video has gone public. In a panic, they begin a wild night of adventure tracking down leads, roping in friends and duping Annies boss all to reclaim their video, their reputation, their sanity and, most importantly, their marriage.

R
Rating Reason:for strong sexual content, nudity, language and some drug use.
Duration: 94 Minutes
Released:12/31/1969
Studio:Columbia Pictures Industries, Inc.
Movies Deals
Should I take a new job in California?
Added on : Friday October 10th 2014 12:00:05 PM
g: 1 Posted By: me94
Views: 90 Replies: 5 My husband and I are both professionals living in the south. We make a decent living but both work long hours and have a large amount of student loan debt. I recently received a very competitiveoffer from a company in Orange County, California and am trying to see if there's anything I'm missing before we decide to make a move. Right now I work for a small family business and honestly I am the person holding the place together. The company in California is one my current company has done joint projects with in the past, and they want me to come and run their entire west coast operation. This company and my current company are in the same industry but operate in different states, so they do not compete (and to my knowledge, I don't have any "trade secrets" or clients that I would be taking).Still, if I move I will likely burn several bridges in my field and it would be difficult to work in the south or southeast for several years (it's a small field and everyone knows everyone else).

Financial situation:
Me - currently working. Salary: 90k, annual bonus usually around 25-40k.
Husband -currently working. Salary: 70k, annual bonus usually around 10-20k.
2children (3 yrs and 1 yr).
Assets: 2 cars, 2008Honda Accord, 2008 Honda Civic. Will probably replace the civic with a bigger car next year.
IRA: about $75k. No retirement plan at our current jobs.
Savings: about $60k in a CD ladder or savings.

Debt: Student loans, around $380k total. The rate is something like 7.4% (combined), and it's set by the government so we can't refi. Monthly payments are around $4000. No other debt.

Current expenses: Rent: $1050/month for a nice house in the country. This is very expensive for our area, but it's a nice house and we have not been able to qualify for a mortgage due to our DTI ratio. We pay $2400/month for a nanny (including employment taxes), as the only day cares here are religious and we are not members of any local churches. Utilities+phone is around $150 a month, and insurance is around 300.

The offer I have for the new job is $450,000 plus performance bonuses, and I may be able to negotiate that higher. I know the cost of living out west is higher, and taxes are higher (by my calculation, its around 4% higher), but I believe that even taking that into consideration making the move is a net financial positive. (More than that, the new company has several women in management and at the board level, and I feel there would be more room for promotion. I am the first and only woman working at my level at my current job, there are no women in senior management and no women partners.) I have some family in the LA area who have told me to budget around $4-5000 a month for rent on a nice four bedroom house.

My husband would have to quit his job and try and find something out west - that's a big unknown but honestly with the bump in salary, I figure he can take his time looking for new employment. A big factor for me is that the schools here are atrocious (something I can confirm, as I hire high school graduates for unskilled office jobs and they're barely literate). If we stayed here we'd absolutely have to pay for 18 years of private school for the kids. I have been told the Irvine school district has excellent schools. I am leaning towards finishing the year at my current job and moving after the baby is born in the spring but I thought I'd post this for FWF to see if there is anything I'm missing.
New User Question Deals
g: 2 Posted By: wizwor
Views: 470 Replies: 3 Direct from Real Simple Software, these are $199.99. Amazon lists them for $118. WalMart lists them for$147.83.

Let's start by saying this is a Simple DVR not a Silicundust HD Homerun. Silicondust happens to manufacture the devices. This is the modified two tuner model of the Simple DVR. First generation was the single tuner STV-1000 which was a kickstarter campaign. They later released a two tuner STV2-2ATSC. This device had a fan, got really hot, consumed the lubricant in the fan, got noisey, and failed. They refitted these with ventilated covers and modified the software to make the device run cooler and the fan run less. There is no way to distinguish between these models except to look for the ventilated cover. The Newegg images indicate a ventilated cover, and there is no indication that these are refurbished, so I assume this is the modified STV2-2ATSC.

This is a standalone device -- no PC is required. There is no cable card version.

This DVR requires some kind of subscription service to function. The basic version is free but limited to interactive use (watch, pause, record, etc.). The premier service let's you schedule recordings without regard to time and channel. This costs $60 per year or $150 for lifetime.

Here's a tip: If you decide you like the premier service, you can buy an STV-1000 with lifetime for less than $100 on eBay -- save $50 on the subscription and get a free dvr!

So, what is a Simple DVR? The Simple.TV DVR is a whole house Tuner/DVR for broadcast television. According to the manufacturer, Simple.TV is the first personal DVR that streams live and recorded TV to your favorite devices, wherever you are. Get all your broadcast TV favorites on your iPad, PC, Mac or Roku box. It plugs in to your antenna, ethernet, and usb drive, but not your television. To watch the Simple DVR on your television, you need a Roku. Up to five devices can access live or recorded programming concurrently, but there are only two tuners, so all people watching live programming must watch the same channels.

What Does This Do? In the most common configuration, you attach the DVR to your antenna and LAN and use a Roku to access the DVR from your television. You can use the tuner to watch live television from your antenna or play files already stored on the DVR. You can pause, rewind, or fast forward the programming, delete files from the DVR, and schedule recordings (one episode or all episodes) with the Roku. If you have more than one DVR, you can switch from one DVR to another.

Remote access is excellent. Image quality and buffer management are good enough to enjoy live and recorded programming via public wireless networks. My mother can use my antenna to watch broadcast television via a Roku at her home which has poor reception. There are iOS, Android/Kindle Fire, Windows 8, and Plex apps for the Simple DVR. I cannot speak for the iOS app, but the Android app is amazing. The Plex app only supports playback (no live tv or file management), but you can use it to watch your recordings on many devices including the Amazon Fire TV.

What Doesnt This Do? With the current software, you cannot watch the video as you rewind and fast forward and there is no slow motion or frame by frame review. You cannot do time based recordings (record channel 38 from 3pm to 8pm weeknights). Id really like to see a Play All and/or Play List option for recordings and it would be great if the Premier software managed all DVRs as one choosing the next available tuner, showing all programs in a single browse window, etc. Finally, and this is a big deal for me, it doesnt work at all when you have no internet connection. It will record scheduled shows, but you cannot watch live tv or your recordings.

This is NOT for cable TV. While the STV-1000 officially supports Clear QAM, this model does not.

Support I have been very disappointed with Simple support. The documentation is sparse, the support site is inaccurate, and email support is sporadic. Worse, they dont seem to know any more about the product than I do. The best help has come from the user community. I hope this changes. Its easy to see how nontechnical users could become frustrated.

Installation The setup process is very straightforward. You have to use specific browsers to configure the device. I have used Chrome and Firefox. Internet Explorer does not work. It seems that security software can interfere with the process as well. Security settings and ad-blockers can cause problems with the discovery and configuration process.

- Plug DVR into your network, a usb disk, and your antenna
- Open your browser to [url]http://simple.tv[/url], sign into your account (or create an account)
- Activate your lifetime subscription
- Click Activate Your DVR
- Select the DVR to register
- Prepare your disk
- Scan for channels

Downloading Recordings This DVR allows you to download recordings as MP4 files. The recordings do not look as good as the files look played directly from the DVR.

You Will Love the Simple DVR If

- Your home is situated such that television signals come from multiple directions. Instead of using a rotor or combiner, you can install one or more DVRs for each market and access the antennas via a Roku.
- Your home is not pre-wired with coax. Run coax from the antenna to your router and install the Simple DVR(s) next to the router.
- You have to have a television where no one thought to install coax. A Roku brings live tv to your remote television.
- You want to watch tv by the pool or on the deck. Simple can stream to a laptop, a tablet, or a wireless Roku by the pool.
- Your remote vacation home does not have television but does have internet access.
- You travel a lot and hate infomercials.
- All your favorite shows air when you are at work.
- You want to share antennas with a friend in a different market

You May Not Love the Simple DVR If

- You have poor broadcast reception
- You need visual cues when fast forwarding or rewinding a program
- You have a poor network in your home

I love the Simple DVRs. After two months with the dual tuner Simple DVR, I give it two enthusiastic thumbs up.

Happy shopping!
Electronics Deals

Newegg Coupons
Where can I get the best APY for 5 months?
Added on : Thursday October 09th 2014 10:00:17 AM
g: 0 Posted By: tannerjimmonen
Views: 131 Replies: 2 Hello everyone I have had credit cards for the past few years now.. keeping up with my balance and everything is great!

I've decided that come March of 2015 I want to finance a $25,000 car and put as much down on it as possible and I need some advice.. (I plan to keep this car as long as possible.. I've looked into leasing and I decided purchasing is a better investment.)

My situation:
I will begin saving $500/month starting in November and ending March which should leave me with $2,500.. I will of course be trying to save more than $500 if possible leaving me with hopefully $3,000 for my down payment. + My tax return..

I want to take this money every month and deposit into an account that is gaining interest.. But I do not know where to go or what my best options are.. CD's offer a low return.. especially for only saving 5 months.. and you can forget the .80% APY of your average savings account

My question is.. Where do I put my money for the 5 month period? The higher the APY the better.
Personal Finance Deals
Credit Card Statement Cut Dates
Added on : Saturday October 04th 2014 07:00:07 PM
g: 0 Posted By: noelandres
Views: 88 Replies: 4 I need to know exactly when my statement cuts for each credit card. I noticed that different credit card companies have different formulas for deciding when the statement cuts.

Chase, Discover and Barclays seem to always cut the statement on the same day of the month. While Amex, Citi, and BoA(FIA) have cut on a different date each month. I called each
company and asked about this. Amex was very helpful, in part because their method is very simple. They always give you 25 days of grace. So the formula in Google Sheets is:

=DAY(EOMONTH(TODAY(),0))-XX

Where XX is a number that depends on your payment due date (XX=25-Due Date). So, if your Due Date is on the 15th, then XX = 25-15=10.

Now, I can't figure out Citi's or BoA's formula. The CSR tried to explain to me how they decide it. But it just doesn't make sense. I wonder if anyone has figured out how those 2 CC companies decide the statementcut date. At this point, I just asked them for the closing dates in the next 12 months, but this is not a permanent solution. I'll have to call and ask them again in 1 year.

Any help with this would help out a lot. I'm hoping I'm not the only one who keeps track of most of their CCs information, so hopefully someone has already this figured
out.

Thanks for any input.


Credit Deals
UPDATE to recent Top Cashback/Virgin Mobile Hot Deal (make $20 cb )
Added on : Friday October 03rd 2014 05:00:06 AM
g: 1 Posted By: MISTERCHEAP
Views: 117 Replies: 0
Hello,I hope you dont mind, but we needed to get in touch with you, so we have created a support ticket in your TopCashback Account.Our message is shown below, if you need to reply, please log in and send us a message by visiting the support section.Information about your Virgin Mobile transaction

Hi there,

We just wanted to reach out with a bit of information about the recent Virgin Mobile offer of "$35 on an $11.99 handset over the weekend of 9/19 through 9/22.

This week, we have been in discussion with Virgin Mobile and their agents regarding this issue. Although we placed their offer correctly on our site and despite repeated requests, Virgin have informed us that they will not pay out CashBack on your order unless the handset is activated. However, we don't feel that this is fair to our members and I am pleased to tell you that, in line with our fair play policy, TopCashback will honour the offer displayed on our site.

As long as the transaction has tracked to your TopCashback account, we will make the $35 payable within the next 2-3 weeks.

To be clear, if you do decide to activate the handset, TopCashback will receive the $35 from Virgin rather than paying for this ourselves, but whatever you decide to do with the handset, you will receive the full amount of CashBack you expected.

We are however aware that some transactions have not appeared at all. If your transaction hasnt tracked, Im afraid wed only be able to honor this CashBack if you can provide us with proof of activation. Similarly, if you have made multiple transactions we can only offer on the initial one.

This is an unfortunate situation and we are very sorry for any confusion and inconvenience this may have caused.

Many thanks,
TopCashback Support
Partnership scenario...
Added on : Friday October 03rd 2014 01:00:07 AM
g: 0 Posted By: Patieboy40
Views: 40 Replies: 0 Hi all -

Thought the FW community might be a good place to ask this. Opening a business with a partner , who will be hands off. It's a franchise. He's putting up 75% of the capital and 75% of the monthly overhead. Comes out to about $80K over the first year compared to my 25K. He'll get paid back first -- up to 75% of the revenue until payback which we anticipate will happen sometime around month 18.

At that point, he becomes a 15% owner of the business. We're trying to decide if this is the best approach or , should his addition cash contributions (above mine) be considered a note loan, etc.

Anyone have any experience in this type of agreement ? It's a very time consuming business - will be 50-60 hour weeks for at least the first few years.

Thanks!
Discussion Deals
Question on health insurance -- layoff versus resign
Added on : Tuesday September 30th 2014 06:00:11 PM
g: 0 Posted By: bbway
Views: 0 Replies: 2 I know that lay off is considered an event and I can then change my benefit selection. However, if hubby decides to resign next year, and no new jobs, can I change my benefit in middle of next year? Anything I need to show to my employee that my husband changed from employed to unemployed?

Thanks
Question Deals
Demand letter from previous tenant, respond?
Added on : Friday September 26th 2014 07:00:13 AM
g: 1 Posted By: sailinlight
Views: 56 Replies: 3 I had a tenant move out after going month-to-month after the expiration of their lease. About six months past into the month-to-month I gave them 30 days notice (per the lease, state law specifies 7 days) to move out since we decided to sell the house. Tenants were not happy about moving out, but things went relatively smoothly. Didn't do a formal move-out pre-inspection but I went over there to talk to the tenants and the place was a mess. They had three children and apparently didn't believe in discipline whatsoever. There were crayon and marker all over the walls, large and small holes in the drywall in many walls throughout the house, the kitchen was a mess, etc. They promised that everything would be fixed when the moved out. After move-out, the place was less of a disaster but not anywhere close to move-in ready. The drywall patches were extremely poorly done and required sanding and repainting, much of the marker on the walls didn't come out so required sanding and repainting.
Painting alone cost $800, plus there were other things like cleaning the oven, walls which didn't need repainting, grass needed reseeding where . They also owed about $500 in back rent for the first few weeks of the last month they were there which they didn't bother paying. Total security deposit was $1,000, and I withheld the other $500 for repairs/cleaning. I itemized charges well in excess of $500 and put a line at the bottom for goodwill negating the amount over what the security deposit would cover. They clearly weren't happy about this..
So yesterday I get a demand letter from an attorney asking for the $500 back or a lawsuit would be filed for triple the original security deposit. From reviews I found this law firm seems to handle mostly prepaid legal services, and the letter even said that further contact should be made directly with the former tenants, so I suspect the chances that they plan to retain the law firm for an actual suit is low, most likely if they do sue it would be in small claims I imagine.

How would you respond if at all? I am thinking one of these choices-
1) Ignore it and see if they sue
2) Respond back with the plethora of pictures I have (which I already sent with the original itemization) saying that I believe I was correct in withholding the deposit
3) Respond back stating that if a suit is filed, that I would counter-sue for the water damage they allowed to accrue in the basement, a bleach stain in the carpet which I didn't note in the original itemization because I didn't replace the carpet, dents in the refrigerator which was brand new, a new water heater to replace one that was working fine but they threatened to sue over stating all five of them couldn't take back to back showers and baths so the house was not fit for habitability, etc

I have no intention to pay them without a court order. They were the worst tenants I've ever had, called all the time for the most minor of things (they overloaded a GFI outlet once and made me come over to replace it because the sprinkler control box was on the outlet and said that if I didn't come fix it, they'd let the lawn die- all it needed was the reset button pressed), let the basement flood (then tried to complain about mold, which they also brought up in the demand letter) without notifying me for almost two days.

Thoughts? I promise to keep the thread updated for entertainment value (if there is any for anyone).
Personal Finance Deals
g: 3 Posted By: CorpRebel
Views: 427 Replies: 0 I saw these Scotch Plaid Shirtsadvertised on another site and decided to get one for my husband. Blairis offering Free Shipping on their site right now, so I thought it was a pretty good deal.


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Men's Scotch Plaid Shirts Only $10.47 (Were $25.99 - $35.99)
Added on : Friday September 26th 2014 02:00:03 AM
g: 0 Posted By: CorpRebel
Views: 2 Replies: 0 I saw these Scotch Plaid Shirtsadvertised on another site and decided to get one for my husband. Blairis offering Free Shipping on their site right now, so I thought it was a pretty good deal.


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g: 0 Posted By: ctgolfer
Views: 153 Replies: 0 free shipping with Prime or on $35+

Collection includes the following titles on Blu-ray:
Bus Stop
A naive but stubborn cowboy falls in love with a saloon singer and tries to take her away against her will to get married and live on his ranch in Montana.

Niagara
Marilyn Monroe and Joseph Cotten are an ill-suited couple staying in the cottage next to happy newlyweds Casey Adams and Jean Peters near Niagara Falls. While sightseeing, the newlyweds see Monroe kissing her young lover (Richard Allen) and hear them plot to kill her husband, making it look like suicide. When the latter goes missing, Monroe is asked to identify a body and discovers it's her lover. Her husband's vengeance threatens them all.

Gentlemen Prefer Blondes
Marilyn Monroe and Jane Russell sizzle, sing and dance as a couple of gold diggers out to land rich husbands. This Technicolor film fable follows the exploits of two gorgeous women aboard a luxury ocean liner. One (Monroe) loves diamonds and the other (Russell) loves men. On the ship with them are an elderly diamond mine owner (Charles Coburn), a team of handsome and muscular Olympic athletes, a fascinating but very young millionaire (George Winslow) and a nosy private eye. Packed with 40 minutes of production numbers, Gentlemen Prefer Blondes includes the legendary title song and "Diamonds Are a Girl's Best Friend."

How to Marry a Millionaire
Three New York models, Shatze, Pola and Loco set-up in an exclusive appartment with a plan: tired of cheap men and a lack of money they intend to use all their talents to trap and marry three millionaires. The trouble is that's it's not so easy to tell the rich men from the huxters and even when they can, is the money really worth it?

River of No Return
After his wife dies, Matt Calder (Robert Mitchum) and his young son begin a new life in the breathtaking, rugged Northwest wilderness, where Calder is robbed and beaten by ruthless gambler Harry Weston (Rory Calhoun). When Weston's beautiful fiance (Marilyn Monroe) then decides to nurse Calder back to health, the insanely jealous Weston risks their lives by taking them all on a ride down a treacherous river in this spectacular looking Western.

There's No Business Like Show Business
Molly and Terry Donahue, plus their three children, are The Five Donahues. Son Tim meets hat-check girl Vicky and the family act begins to fall apart.


The Seven Year Itch
It's every man's fantasy - a summer romance with the sexiest woman he can imagine. Richard Sherman (Tom Ewell) is a happily married man whose wife and son are off on vacation when his tempting new neighbor (Monroe) sneaks in one hot summer night to cool off in his air-conditioned apartment. How does an ordinary man deal with this irresistible temptation after seven years of marriage? Find out in this 1955 treasure featuring Evelyn Keyes and Marguerite Chapman and directed by Oscar winner Billy Wilder.

Some Like it Hot
When two musicians witness a mob hit, they flee the state in an all female band disguised as women, but further complications set in.

The Misfits
A sexy divorce falls for an over-the-hill cowboy who is struggling to maintain his romantically independent lifestyle in early-sixties Nevada.

www.amazon.com/dp/B00FC1ZC9Q
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Home Closing Problem - Seller breaches contract?
Added on : Tuesday September 23rd 2014 11:00:10 AM
g: 0 Posted By: Luser
Views: 194 Replies: 3 Hi FWF,

You guys have give good advise in the past and I wanted to know what your opinions are.

I am pursuing in purchasing a 2 family house in New York. It has a clean title. My attorney is not offering advise at this point except to wait for the seller attorney's response. The contract of sale required the seller to do extermination of termites with 1 year warranty. Also deliver a "broom sweep and clean"apartment before or on the closing date. This is fairly common I believe. I ask the seller attorney to produce the extermination report many time, but his reply was it will be provide at closing. 30 mins before closing I find out extermination was never taken care of. I backed out of the closing.

Long story short: The seller decided not to do either requirements on the contract, because I believe he can think he could have sold the house for much more.

Other terms in the contract is the seller may live in the resident for up to 3 months after the closing. I have 10K escrow if the don't move out or damages. I am willing to buy, but I have to pay for gas and electric for the next 3 month while seller lives there.

What are my options while my deposit is being held? My lender is in limbo and waiting for an answer. Should I tell my lender that I don't want to borrow from them anymore until the seller makes a decision?

What should I do to minimize cost? Already spend about $2000 for appraisal, inspection and etc...



Question Deals
g: 0 Posted By: tedhawkins
Views: 153 Replies: 0 Mountain Hardwear Powzilla 30 Backpack $109.95 FS @ Usoutdoor (reg $189.95+)

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

If your idea of fun is trekking through miles of back country to get to that glorious fresh powder, you need the Mountain Hardwear Powzilla 30 backpack. It gives you plenty of space for all year gear, but has a slim profile so it never gets in your way. A special webbing system at the back of the Powzilla 30 gives you options for carrying skis or snowboard securely, while pockets in front and back let you decide what you want close at hand. And of course this backcountry pack from Mountain Hardwear is waterproofed and ventilated where needed to keep you dry and comfortable throughout your journey.
Features of the Mountain Hardwear Powzilla 30 Backpack

Capacity: 1830 cu. in. / 30 L
Weight: 2 lb. 14 oz. / 1.30 kg.
Suspension: HardWave suspension maintains excellent fit and ventilation regardless of load
Features: Convenient front pocket keeps small safety gear or other needed items in easy reach
Compression: Compression wings allow for variable volume / gear to be carried with no compromises
Pockets: Generous, large opening zippered front pocket with enough room and compartments for safety gear, Easy access large main compartment with water resistant zippers
Ski Carry: Unique, continuous webbing snow gear system allows for an easy and secure way to carry skis, snowboard or other snow toys
Back Panel: Comfortable and well padded compression-molded backpanel, shoulder straps and hipbelt shed snow and ice
ABS System: ABS Vario Base Unit compatible: zip off backpanel allows pack to be used with industry leading avalanche airbag system


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g: 0 Posted By: remick
Views: 121 Replies: 0 http://www.amazon.com/gp/product/B00GWT8E10/

4.5 out of 5 stars (56 customer reviews)

Former Navy rescue swimmer Brian Dickinson was roughly 1,000 feet from the summit of Mount Everestalso known as the death zonewhen his Sherpa became ill and had to turn back, leaving Brian with a difficult decision: should he continue to push for the summit, or head back down the mountain? After carefully weighing the options, Brian decided to continue toward the summitalone. Four hours later, Brian solo summited the highest peak in the world. But the celebration was short-lived. After taking a few pictures, Brian radioed his team to let them know he had summited safely, and got ready to begin his descent. Suddenly, his vision became blurry, his eyes started to burn, and within seconds, he was rendered almost completely blind. All alone at 29,035 feet, low on oxygen, and stricken with snow blindness, Brian was forced to inch his way back down the mountain relying only on his Navy survival training, his gut instinct, and his faith. In Blind Descent, Brian recountsin fantastic detailhis extraordinary experience on Everest, demonstrating that no matter how dire our circumstances, there is no challenge too big for God.
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g: 0 Posted By: fsidos
Views: 85 Replies: 0 http://www.amazon.com/dp/B00NLNOM2U/ref=nosim/?tag=web2list-20&l...DescriptionPublication Date: September 14, 2014 This little book is everything you're ever going to need for making raw desserts. Do you want to become a master at making healthy, gluten free, raw cakes? Then this is definitely the book for you.

It's written by two sisters, whose love for raw desserts has grown into a local cake business. Now they decided it is time to share their secrets with you.

In this book you will find five delicious mouthwatering recipes:
Creamy Chocolate Cake with Strawberry Filling,
Decadent Brownie Cheesecake,
Better than original Raffaello Cake,
Refreshing Blueberry & Lime Cake and
Orange 'Cheesecake' with Chocolate Filling.
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Free Kindle Book- Jim Crumley's Secrets of Bowhunting Deer
Added on : Tuesday September 16th 2014 12:00:16 PM
g: 0 Posted By: remick
Views: 45 Replies: 0 http://www.amazon.com/gp/product/B008N230PE

Using a black magic marker and a gray work jumpsuit, Jim Crumley of Buchanan, Virginia, drastically changed the nature and purpose of hunting camouflage when he created the first sportsmans camouflage Trebark. Crumleys idea that vertical camouflage patterns best represented objects in the forest and created an illusion of a tree stump or the trunk of a tree brought into being a new term, sportsmans camouflage. Prior to Crumleys forward thinking, most of the camouflage used for hunting was military camouflage. But Crumleys love of bowhunting and his desire to be more invisible changed hunting clothing forever. Throughout his life, Crumley has been a constant student of how to bowhunt better, and his desire to learn new and better techniques for bowhunting was one of the reasons he created Trebark camouflage. In this hunting guide he shares the wisdom that hes learned throughout his lifetime about how to be a hunter, how to find a deer lease, how to scout for deer and more. Im sure his deer hunting tips will help you take more bucks with your bow this deer season.

SPECIAL FEATURES INCLUDE HOW TO:
Have a Magic 60 Acres to Hunt
Decide the Best Equipment to Use
Find Deer Year-Round
Locate Land to Hunt
Know the Best Place to Put Your Tree Stand
Get Bucks Within Bow Range

This book also contains numerous color deer pictures, deer illustrations and hunting-camouflage pictures.
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Purchasing house with Girlfriend..HELP!
Added on : Monday September 15th 2014 10:00:20 AM
g: 0 Posted By: ICMATULKASPRMKY
Views: 391 Replies: 26 We have always rented, but decided to start looking into home prices and think it may make more sense than renting. Renting an apartment would be around $2500-$2800 vs a mortgage in the $1800-$2200 range. The big thing is figuring out how to handle the downpayment, finding the best place for rates, and how being married vs not would benefit this situation if it matters at all. My income was significantly low this year, but I have a good amount of money in savings so not sure if I can play some approach to avoid a big down payment. Thanks
Personal Finance Deals
Business partnership ending and I got bad vibes, how to handle?
Added on : Friday September 12th 2014 03:00:08 PM
g: 0 Posted By: MightySlacker
Views: 70 Replies: 0 This is in the state of Ohio for reference. Some parts need to be left vague, but hopefully I can get in all pertinents.

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

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

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

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

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


Discussion Deals
g: 1 Posted By: peterl1365
Views: 315 Replies: 0 Deal begins September 19th.

If you are a T-Mobile post-paid subscriber and have a qualifying phone that can handle WiFi calling, T-Mobile will give/rent you their customized version of the Asus AC-RT68U router for a $25 refundable deposit. On approved credit, so YMMV. This is an 87% savings from normal cost. You can even consider it completely free since you can get your deposit back whenever you decide to return the router. T-Mobile is giving these away to encourage people to utilize WiFi calling (and of course to gain new customers).

If you are a TMO pre-paid customer, then the cost is $99, which is still 50% off the typical price for this model. I don't think the $99 is a refundable deposit, but I could be wrong.

Technically, the part number is TM-AC1900, but it appears to be nothing more than the stock Asus RT-AC68U which has been preconfigured with QOS settings optimized for T-Mobile WiFi calling and texting.

Even if you have a perfect signal at your house like I do, this is a great deal just to have the outstanding router. The ability to use your cell phone in areas without good coverage is just a bonus. You must, of course, have a broadband internet service at your location. This is NOT a signal repeater/amplifier.

Some details are still sketchy. For example, can you get more than 1 router for your home? Could you get extra routers for your office/workplace/vacation home? What happens when you cancel service? Can you forfeit the $25 and just keep the router?

More information here: http://www.tmonews.com/2014/09/t-mobile-personal-cellspot-specs-dual-band-1900-gigabit-wireless-ac-router/

Manufacturer's product page

This router sells for $200 at Amazon. LINK

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TiVo Mini Sale $149 Total includes Lifetime Activation (Reg $249)
Added on : Tuesday September 09th 2014 03:00:03 PM
g: 0 Posted By: phive0
Views: 118 Replies: 0 https://www.tivo.com/shop/mini

Discounted $100. Good through Jan, 2015 or until Tivo decides otherwise.
Electronics Deals
How to find fair market value of a house and lot
Added on : Monday September 08th 2014 11:00:12 AM
g: 0 Posted By: drdobro
Views: 79 Replies: 4 I am a babe in the woods when it comes to real estate dealings. My wife and I bought our home28 years ago and have lived there since, and that transaction is the extent of my experience. I hope some knowkedgeable folks can offer me advice on the following.My mother, 85 years old and widowed, has decided that her single-family home (3 bedroom ranch and acre lot) is too much. She and my father bought the place in 1967 and it has been kept up well. She wants to move into Section 8 housing, at a nice elderly apartment complex less than a mile from her house.On the Section 8 application, she has to list the "fair market value" of her property, which will not be sold until after she moves (waiting list 12 to 18 months). I asked the people at the housing office what they need, and they said they need a statement of fair market value from a realtor.What would be a typical fee for this kind of appraisal? Should we make any promises about listing the property with the realtor when it comes time to sell? Any pitfalls I should watch out for?Thanks in advance for any assistance.
Question Deals
Local newspaper article can help save on a college education.
Added on : Friday September 05th 2014 07:00:12 AM
g: 0 Posted By: scatti
Views: 20 Replies: 0 To reduce the cost of a college education, know the right questions to ask.

One way that a student can significantly reduce his or her college costs is by looking carefully at the credit transfer process. Completing the first two years at a community college by taking core curriculum classes can help students earn transferable credits while keeping their cost of tuition low. The majority of these core classes transfer because most of the colleges and universities are evaluated by the same accrediting agencythe Middle States Association of Colleges and Schools. This agency sets the standard by which courses and curriculum must be maintained.

As a starting point, students should find out if the institutions that they are considering have this accreditation.

The key to the transfer of credits and courses is to work closely, very closely, with the admission staffs of each institution. In my admissions career, I always felt it better to work with the student during the first two years so that they will transfer to your institution for the last two. Because of financial and/or personal constraints, many students will need to utilize this approach to earn their degree; therefore, good advice can only benefit the student and the college in the end.

As a potential transfer student, you must have a clear answer as to whether the school will accept the course(s) as direct equivalents to their courses or will they only be accepting the credit hours. Accepting only the credit hours will likely mean that you will have to repeat the course at the accepting institution. Also, what grade is required to have the course transfer? Typically, this would be a C or better, but each institution could have its own variance on this requirement.

One question that I was frequently asked was how many credits will we accept? A school can accept as many or as few as they want. The key question here is to ask how many credits I will need to earn to graduate in a specific degree program after I transfer. Many degrees have specific requirements that must be completed at the degree-granting institution.

As an illustration, lets assume that a student wishes to become a certified public accountant. To do so, the student typically needs to earn a bachelors degree in accounting with additional coursework totaling around 150 credit hours. No college or university can grant the CPA. A student must pass a state monitored exam to earn this certification. It may also include experience in the field. The point being is that a student can begin to earn their degree requirements at a community college and then finish at a bachelor-degree granting institution.

Never eliminate any college in your initial search regardless of your financial situation. Most scholarships offered by four year institutions are front-ended. This simply means that they are going to offer most of their scholarship dollars to potential first-year students. Make application to these colleges and see what they are offering. It might be to your benefit to start at a four-year school when you calculate the costs over that period of time. Discounting tuition is a common practice. Be sure to explore this possibility so you can decide on the best course of action to obtain your degree.

The key to the transfer process is not to be concerned about where or how you start your college experience. In my career, I used the following question to make this point: How many have ever asked their physician where he/she took CHEM 101? If past experience dictates, then the answer in none. Why? Because your family doctor has a degree from a medical school and has passed the state boards to practice medicine, therefore no one really cares where they took CHEM 101? Remember its not where you start but that you finish.

Emory Guffrovich earned his BS and MA after completing a tour of duty in Vietnam. Having spent 35-plus years in the college admissions field, he recently retired as the director of enrollment management at Penn State Lehigh Valley
General Economics Deals
iolo System Mechanic 14 (1 Year License) for $14.98
Added on : Thursday September 04th 2014 10:00:10 AM
g: 0 Posted By: softwaredealhunter
Views: 91 Replies: 0 Thenew version of iolo System Mechanic 14includes a lot of interesting and fresh technology that may help to even the playing field a bit even the most budget-conscious consumer may well decide System Mechanic 14 is worth the splurge.Building on the strength of the previous versions 12.5 and 12.7, iolo System Mechanic 14 is a solid upgrade with a host of new and useful features.

https://secure2.iolo.com/order/checkout.php?PRODS=4155797&QTY=1&...
Software Deals
Nonmarriage and children
Added on : Wednesday September 03rd 2014 04:00:06 AM
g: 0 Posted By: nasheedb
Views: 43 Replies: 0 I read this article yesterday:http://www.usatoday.com/story/news/nation/2014/09/02/statutory-r... which started a thought process in my head. Granted the guy in the article was an idiot for 1. not reporting the rape and 2. ignoring the court request for paternity testing, child support hearing, etc. He basically told his side of the story to the press, but not to the judge.

Then I started reading some of the comments on reddit (http://www.reddit.com/r/news/comments/2f9ej9/statutory_rape_vict... including this one:
reddit said: Wound up in this sort of situation. Worked hard to provide for and spend as much time with the child as possible during the first three years of their life. The mother filed for support from the state. The first thing the state did was unleash child-support services on me to levy multiple years of back-support.
Walked into their offices with bank records and details I felt supported my active involvement in the childs life during that time. The state would not accept this, calling these contributions 'gifts' that would not be counted towards the amount owed.

and
reddit said: Same thing happened to my wife. She ended up moving out and paid for the med bills, mortgage, utilities etc for another year. Ex took her to court for Child support. She said the same thing. They said those are gifts. You still owe. The child support system is supremely *******up.

Many people on FWF, myself included are not married, nor do they want to be married. Many are happily living together without being married (I'll refer to this as nonmarriage) and some are raising children together. Unfortunately, reality is, that relationships sometimes do end up going sour. Couples break up and go their separate ways. In my state, Texas, courts can allow for retroactive child support. Here is what I found on one of the legal resource websites:
[L=http://www.lanwt.org/txaccess/backchildsupport.asp said: Another]http://www.lanwt.org/txaccess/backchildsupport.asp]Another[/L] scenario would occur if you are not married. In that case your child support obligation could begin at the time of the child's birth. You could also be ordered to help pay prenatal and postnatal expenses for the mother that were not covered by insurance.

Here is a sample scenario. Let's say a man and a woman are in a nonmarriage (living together but not married legally). They decide to have a child together and everything is fine for 10 years. When the child is 10 years old, the parents split up. What is there to prevent the woman from trying to claim child support going back to birth? What if she claims that the contributions made by the father during the first 10 years of the child's life were "gifts"? Granted, the average FWF reader probably has much better access to legal resources than the average redditor, so they're less likely to be screwed over, but the question remains how do you prevent yourself from getting screwed? If you were married, the courts would never allow for child support going back to birth, only to the time of separation.

I am very curious about real life situations FWF readers have encountered. My gf and I would like to have children in the next 2-5 years. How can I protect myself if we have children, but the relationship goes sour?
groupon: $15 for a One-Month Membership to Match.com
Added on : Wednesday September 03rd 2014 03:00:02 AM
g: 0 Posted By: VivYip
Views: 56 Replies: 0 I saw this in the philly Groupon email.

$15 for a One-Month Membership to Match.com (Up to $42.99 Value)
The Deal
$15 for a one-month membership to match.com (up to $42.99 value)
Membership grants access to match.com's online dating community, which is populated by hundreds of thousands of other singles. In addition to generating matches for each user, the site's tools help searchers create an intriguing profile, upload pictures, chat with potential dates, and even decide on a fun, icebreaking activity for the first meeting.

The Fine Print
Expires Dec 29th, 2014. Limit 1 per account. Valid for new members only. Gift must be redeemed by a different user. Online registration required at match.com, subject to match.com Terms of Use. Redemption may require providing match.com with a valid credit card. match.com may automatically renew any subscription to match.com services until canceled by customer. See match.com Terms of Use for more information. Must be 18+. Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services.

The previous thread from puggle is already in archives, otherwise, I'd've bumped the thread instead of posting.

Hope this might help someone. Thank you for reading.
Question regarding PA 529 Guaranteed Savings Plan
Added on : Saturday August 30th 2014 01:00:15 PM
g: 0 Posted By: munkyxtc
Views: 23 Replies: 0 My wife and I have been considering setting up PA 529 Guaranteed Savings Plans for our 2 children (2 & 4 years old) but I have a question which I'm not exactly clear on...

When you open an account you choose the tuition level for which you'd like to save in order to earn college credits; however, I had a question regarding what happens if my child(ren) later decide they want to go to a lower or higher tiered school?

Basically; to go to many state schools it recommends you save $275/mo per child; however, for Penn State it recommends $600+/month. I found the following blurb on the PA 529 site:
. said: Tuition level
When you open a PA 529 GSP account, you will be asked to designate a tuition level on the enrollment form. When you designate a tuition level, you are choosing the type of school for which you are saving. However, you may change your choice at any time and the change is made retroactively. Additionally, your tuition level will automatically be changed for you, if needed, to match your students school if he or she ultimately attends a specific Pennsylvania publicly funded college or university. The Tuition Level determines the growth on your account when used for qualified higher education expenses. It determines the tuition inflation rate of growth and the tuition inflation value of the account.

The way I read this is if I at a later date decide to change a lower tier that all of my previously paid funds will be converted to credits at the new tuition level based on the rates when I contributed. What I'm am question and want to make sure is that the conversion rate will not be made at the current prevailing rate as you'd end up potentially losing out on a ton of value the longer you'd wait to convert.

Does anyone have a definite answer on this? Thanks in advance.
g: 0 Posted By: ctgolfer
Views: 169 Replies: 0 85%-90% Off Category

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New York (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Road & Track (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Flex (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
O, The Oprah Magazine (1yrs: $6.99)
Slam (1yrs: $5.99)
Harper's Bazaar (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Islands (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Motorcyclist (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
Chicago (1yrs: $4.99, 2yrs: $9.98)
Life Extension (1yrs: $4.50)
Log Home Living (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
Los Angeles (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Ebony (1yrs: $3.99, 2yrs: $7.98)
Time Out New York (1yrs: $4.99, 2yrs: $8.99)
Atlanta (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)
Alternative Press (1yr: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Artnews (1yrs: $7.99, 2yrs: $15.98, 3yrs: $23.97)

80%-85% Off Category

Popular Science (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Men's Health (1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97)
Good Housekeeping (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Backpacker (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Country Living (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97)
Dwell (1yrs: $4.99, 2yrs: $9.98)
Running Times (1yrs: $5.99, 2yrs: $11.98, 3yrs: $17.97, 4yrs: $23.96)
Old House Journal (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
American Photo (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Bridal Guide (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Dog Fancy (1yrs: $11.99)
Complex (1yrs: $3.50, 2yrs: $7.00, 3yrs: $18.00, 4yrs: $24.00)
Arthritis Today (1yrs: $3.99, 2yrs: $7.98, 3yrs: $11.97)
Latina (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50)
Town & Country (1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97)
Bowhunt America (1yrs: $4.50, 2yrs: $9.00, 3yrs: $13.50, 4yrs: $18.00)
Baseball Digest (1yrs: $9.99, 2yrs: $19.98, 3yrs: $29.97)
Orange Coast (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)

75%-80% Off Category

Weight Watchers (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97, 4yrs: $19.96)
Prevention (1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97, 4yrs: $27.96)
Consumer Reports (1yrs: $19.99, 2yrs: $39.98)
Popular Mechanics (1yrs: $7.99, 2yrs: $15.98, 3yrs: $23.97)
Home Business (1yrs: $6.50, 2yrs: $13.00)
Oxygen (1yrs: $14.99, 2yrs: $19.99)
Arts & Crafts Homes (1yrs: $6.99, 2yrs: $13.98)
Instructor (1yrs: $4.99, 2yrs: $9.98, 3yrs: $14.97)
Woodcraft (1yrs: $7.99, 2yrs: $15.98)
Cat Fancy (1yrs: $7.99)
Nylon Guys (1yrs: $3.50, 2yrs: $7.00, 3yrs: $10.50)
Midwest Home (1yrs: $5.99, 2yrs: $11.98)

70%-75% Off Category

ShopSmart (1yrs: $14.96)
Martha Stewart Living (1yrs: $14.99)
CBS Watch! (1yrs: $3.99, 2yrs: $7.98)
The Ring (1yrs: $24.99)
Cookbook Digest (1yrs: $9.99, 2yrs: $19.98, 3yrs: $29.97, 4yrs: $39.96)
Catholic Digest (1yrs: $14.99, 2yrs: $29.98)
The American Spectator (1yrs: $22.99, 2yrs: $45.98)

65%-70% Off Category

Urban Farm (1yrs: $8.99)
MAD (1yrs: $11.99, 2yrs: $23.98, 3yrs: $35.97)
Girls Life (1yrs: $6.99)
The Beer Connoisseur (1yrs: $9.99, 2yrs: $19.98)
iD: Ideas & Discoveries (1yrs: $9.99)
Bloomberg Markets (1yrs: $19.99
)
60%-65% Off Category

Thomas & Friends (1yrs: $14.99, 2yrs: $29.98)
Disney Princess (1yrs: $13.99, 2yrs: $27.98)
Disney Junior (1yrs: $13.99, 2yrs: $27.98)
Games World of Puzzles (1yrs: $9.99)
Consumer Reports Money Advisor (1yrs: $22.50)
Popstar! (1yrs: $17.99, 2yrs: $39.98)


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JPMorgan Chase and at least 4 other banks hacked
Added on : Thursday August 28th 2014 04:02:16 AM
g: 0 Posted By: BenH
Views: 49 Replies: 1 http://www.nytimes.com/2014/08/28/technology/hackers-target-bank...

Not really a lot of data at this point. Was hoping to consolidate what others have read here. We probably won't get any details or any action for a couple weeks at least. The banks may decide there were no risks they can't mitigate internally and may never disclose details.
For now, I'd be interested in what the other banks were as well.
General Economics Deals
g: 2 Posted By: remick
Views: 291 Replies: 0 http://www.amazon.com/gp/product/B00K5RUFEY/

Learn the latest SQL Server 2014 database design methods for career advancement; among them in-memory OLTP tables, FileTable FILESTREAM storage and ColumnStore indexes. Relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some database design, and who wish to refresh & expand their RDBMS design technology horizons. Familiarity with at least one computer programming language, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 700 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master relational database design & T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries, "CREATE TABLEs" must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database designer expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Chuck, can you create a new table for our electric pumps inventory?", you have to be able to type the CREATE TABLE query without documentation or SQL forum search and explain how it will work to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio (SSMS). Mastery of the relational database design book likely to be sufficient for career advancement as a database designer and database developer.



also free

What's HTML?
http://www.amazon.com/gp/product/B00H59AW5C/

This book is designed to be a quick way to learn HTML and HTML5. It should also be used as a reference for you to look back at for refreshers and information on tags that are commonly used. This is a great resource for students and professionals that need a quick reference or wish to learn the basics of HTML and HTML5 quickly. As a computer science professor, Ive taught hundreds of students HTML. The reason I wrote this book is help teach others HTML and HTML5. For more HTML and HTML5 information, free instructor resources, and online tutorials visit http://www.whatshtml.com.

Table of Contents
Preface
Chapter 1 Whats HTML?
Chapter 2 Getting the basics
Chapter 3 In your HEAD
Chapter 4 Text and Stuff
Chapter 5 Anchors Away
Chapter 6 Picture Perfect
Chapter 7 Lists and More Lists
Chapter 8 Its all about Style
Chapter 9 iFrames, Divs, and Tables
Chapter 10 Simple Forms
Chapter 11 HTML5
About the Author
Appendix A HTML Reference
Appendix B CSS Reference
Appendix C HTML Entities



Fractal Vision. Part 1.: Studies in Fractal Computation Theory
http://www.amazon.com/gp/product/B00MLU1BAU/

Fractal Computation Theory is, as far as I am aware, a brand new area of science and mathematics. This discipline relates to performing computations in a fractal manner.
This book is the first in a series of studies on my Fractal Computation Theory.
These studies show how the Byng Fractal Computer, Patent Pending is used in a variety of applications. The first book in this series is about vision and shows how vision is processed using the Byng Fractal Computer.



Unraveling HTML5, CSS3, and JavaScript
http://www.amazon.com/gp/product/B00IOSC4CM/

As an experienced C# programmer and enterprise architect, I found myself in a strange situation after 20 years of experience. Even if I worked on project teams that implemented big systems including satellite web sites, I was dropped behind those team members who started their professional life pretty close to new generationneat, asynchronous, dynamic, etc.web page development. It took months to find the right way to be able to communicate with them, and find the common language with them. During these months I read many books, blog posts, articles, and went through many small programming exercises to get into the picture.

Well, I decided to create a series of booklets using my experiencesto help you cope with similar situations.
I wrote this book for those developers who areor might bein a situation I was months ago. If you worked on the server side for a long time, or you used only desktop UI technologies, this is the book you should read to get acquainted with HTML, CSS, and JavaScriptin order to understand them quickly, and keep up the race with youngsters.

If youre already a web developer who is familiar with these technologies, this book may help you to pass this knowledge to your teams new members who are novices in web UI.

How This Book Is Structured

This book is divided into ten chapters that will help you understand the concepts and technologies behind web UI. These chapters are built on each other, so youd better read them sequentially from the first to the last one.

Chapter1: A Short Tour of HTML, CSS, and JavaScript
This chapter provides an overview of the fundamental technologiesthrough a number of short examples that explains to you the role and behavior of them.
Chapter 2: Getting to Know HTML5
In this chapter you will learn the basics of HTML5, and you will create a few simple HTML pages using the concepts learned here.
Chapter 3: Achieving Richer User Experience with HTML
HTML5 provides you rich structure and semantics that help you design and render web pages with images, tables, and multimedia. In this chapter you will
learn these elements and utilize them.
Chapter 4: Forms and Controls
This chapter will teach you creating and using HTML web forms.
Chapter 5: A Few More Things about HTML
To provide additional knowledge on HTML5, in this chapter you will learn about special HTML elements and techniques, such as painting the new HTML5 canvas, and using HTML compatibility and validation tools.
Chapter 6: Exploring the Document Object Model
To provide interactive and dynamic web pages, getting familiar with the Document Object Model (DOM) is a key element. In this chapter you will learn all the basics that let you understand and manipulate the DOM.
Chapter 7: Getting to Know JavaScript
JavaScript is often mentioned as the assembly of the web. In this chapter you will learn the basics of this simple programming language that vivifies your web pages with only a few lines of code.
Chapter 8: Advanced JavaScript Programming
JavaScript is very easy to use, and it also can be used for very advanced web programming tasks in the browser. This chapter teaches you these advanced programming topics.
Chapter 9: Getting to Know Cascading Style Sheets
In this chapter you will learn the concepts of the Cascading Style Sheets technology that provides the power of great-looking web pages.
Chapter 10: Basic Style Patterns
In this chapter you will learn the most important CSS patterns that add great appearance to your web pages.



The Philosophical Implications of Information Overload
http://www.amazon.com/gp/product/B00MSZ3W14
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Best places to travel alone?
Added on : Wednesday August 27th 2014 10:00:51 AM
g: 0 Posted By: freejunkmail
Views: 67 Replies: 0 This year my wife is going to spend her vacation at her mom's for two weeks. Luckily I got a free pass. Now I have 2 week vavation but no one to travel with. I decide to take a trip just by myself, no friend. What destinations are best suitable for single travellers? My budget is around 2-3k for two weeks. I'm 33yr old male.
Question Deals
Plastic surgery, the FWF way.
Added on : Tuesday August 26th 2014 07:01:08 AM
g: 2 Posted By: CowbellMaster
Views: 219 Replies: 9 My wife is a warrior - after multiple children she has some war wounds and although she's incredibly fit, thin and healthy there are some things that diet and exercise can't fix so she has decided to pursue a fix. We're planning on a traditional 'mommy makeover' which will include a tummy tuck, hernia repair, and BA. I'm curious what other FWFers have done or would advise.

She has a relatively severe diastasis (separation of abdominal muscles) as well as a small hernia. From what I've read, insurance won't cover the diastasis repair (which is BS but I won't try to change the world today) but WILL cover the hernia repair. That said, I'm wondering if I can have a portion of the procedure(s) covered as the surgeon will be repairing the hernia in the same procedure as the tummy tuck. From some cursory research it looks like our insurance co will accept an invoice that includes "repaired hernia" and send us a check for the amount of the repair benefit, which will include the negotiated anesthesia benefit. While this may only be a small portion of the entire amount, I'm looking for any way to mitigate this potential large expense.

Other things to think about: cash offer. Knowing a surgeon's marginal tax rate is probably close to 50% I wonder if this is an option? As they are not an insurance-funded industry for the most part I don't know if there is more flexibility here.

I want to keep my expenses as low as possible but obviously I want the very best for my wife. This is less financial in nature but I wonder if anyone has ever researched plastic surgeons before and can offer advice? I'm in the Rochester area and am struggling to find "the best" in New York State or within around 8 driving hours of us. I've read countless "Realself" posts but the more you read the more you start seeing that many of those reviews seem to be very suspiciously biased. I was looking at a Toronto surgeon but I recently found out an acquaintance had a cauterizing tool dropped on her stomach during a standard BA procedure with him and lawyers in the area are shrugging it off, the surgeon is offering free scar cream, end of story. Are there any high-end PSs in the Western New York area or should I bite the bullet and go someplace closer to NYC?

Thanks for any insight.
Personal Finance Deals
g: 1 Posted By: mayberj
Views: 468 Replies: 2 I called Staples and they had issues in giving me a 20% off coupon for the Netgear Nighthawk R7000.

I had them pricematch Newegg at $158 and told them how Newegg has the 10% off with Visa and they price matched it to $127.19

From there I decided I should get 2 making it $254.38

Followed by the rep being nice enough to take $10 off as I was on the phone for an hour.

This brings the price to $127.19 shipped free to my door. I do not think this price can get much better than that

$254.38
$10 off
= $244.38

Key points:
1. Price Match Newegg or another site
2. Show how there is a 10-20% off coupon
3. As long as Newegg has it through their resellers for $158 its yours. YMMV


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Career Coach
Added on : Monday August 25th 2014 04:01:00 AM
g: 0 Posted By: GermanBoy
Views: 17 Replies: 0 I was talking to one of my friends recently about some time that he spent with a professional career Coach. This was a one-time consultation paid for by his company. He described it as helpful, but not something that they would pay for with his own money. I know that there are a number of people with high-earning careers and am trying to decide if this is something I should look into further.

If you have worked with a professional career Coach, what has been your experience? Specifically...

How did you find your career Coach?
How much did/does career Coach charge?
What did his/her services include?
Was your relationship with your career Coach transactional or ongoing?
What do you estimate has been the impact on your career, both in terms of salary and fulfillment?
Would you work with your career Coach again/are you continuing to work with your career Coach?
g: 0 Posted By: mayberj
Views: 147 Replies: 1 I called Staples and they had issues in giving me a 20% off coupon for the Netgear Nighthawk R7000.

I had them pricematch Newegg at $158 and told them how Newegg has the 10% off with Visa and they price matched it to $127.19

From there I decided I should get 2 making it $254.38

Followed by the rep being nice enough to take $10 off as I was on the phone for an hour.

This brings the price to $127.19 shipped free to my door. I do not think this price can get much better than that

$254.38
$10 off
= $244.38

Key points:
1. Price Match Newegg or another site
2. Show how there is a 10-20% off coupon
3. As long as Newegg has it through their resellers for $158 its yours. YMMV


Routers Deals

Staples Coupons
g: 0 Posted By: Xenocrates
Views: 357 Replies: 0 Insignia 19.5" LED 720p 60Hz HDTV DVD Combo(NS-20ED310NA15)- $129.99 FS @ Best Buy

UPDATE:Looks like Best Buy decided to update their daily deal prices after putting them live. Price dropped from $149.99 to $129.99.

19.5" 720p LED Backlit LCD Display

60Hz
200,000:1 Dynamic Contrast Ratio
140 cd/m2 Brightness
2 HDMI and 1 USBInputs
H 12.9" x W 18.5" x D 5.5" (w/ stand)
1 Warranty

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g: 0 Posted By: ctgolfer
Views: 185 Replies: 0 use promo code: 4F4A553

Video FeaturesNext Generation AC750 Technology: Increased speed, range, and reliability ensure coverage throughout your home.
Video FeaturesFast Gigabit Ports: Four 10/100/1000 Fast Gigabit ports give you high-speed wired connectivity.
Video FeaturesBackward Compatibility: Works with existing and future Wi-Fi devices.
Video FeaturesDual Band Performance: Faster speeds with less Wi-Fi interference for maximum throughput.
Video Featuresmydlink Cloud Services: Remotely monitor your network using your smartphone or tablet.
Video FeaturesFast, Faster, Fastest: Gigabit Ports.
Video FeaturesFour Gigabit LAN ports deliver high-speed wired connectivity giving you a seamless networking experience.
Video FeaturesGet more total bandwidth, less congestion and better overall performance when you have multiple users accessing the same network.
Video FeaturesAC Wi-Fi is Fast. Really, Really Fast.
Video FeaturesAC means doing what you love on all your devices. Watch a movie. Game without lag. Upload pictures of your cat. Whatever youre into, AC Wi-Fi has your back.
Video FeaturesLess Wireless Interference. More Internet Happiness.
Video FeaturesA dual band router gives you two wireless networks in one.
Video FeaturesUse the 2.4 GHz band for everyday internet activities like viewing photos and checking email. The clearer 5GHz is for more intensive activities like HD movies and gaming.
Video FeaturesLess wireless congestion means you can do more on your network, all at the same time.
Video FeaturesAccess your content from anywhere. Save your photos, music, videos, and documents to a USB drive and connect it to your router for instant access -- anywhere, anytime, any device -- with the free mydlink SharePort app.
Video FeaturesParental Control Be in charge and decide what your kids can view on your home network
Video FeaturesIt's Easy to Setup. Our QRS app allows for ridiculously easy push button setup. It's hassle-free and gets you online fast.

www.rakuten.com/prod/d-link-wireless-ac750-750-mbps-home-cloud-a...
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Paying IRS 10% Penalty on Non-qualified Annuity Withdrawal
Added on : Friday August 22nd 2014 07:00:47 AM
g: 0 Posted By: agawam
Views: 104 Replies: 0 Several years ago, I purchased with after-tax funds a non-qualified variable annuity. I have now decided to withdraw my contributions and earnings instead of annuitizing. Since I am not yet 59 1/2, I know I will have to pay a 10% IRS penalty on the earnings (not very large).The insurance company has stated that they can withhold federal and state taxes on the earnings but none of those taxes will be used toward the penalty. With that being the case, once I receive these funds, do I need to wait until next year to pay the penalty when I complete my 2014 taxes? Or is there a way to pay the penalty this year? If I can pay this year, what form do I need to fill out? If I have to wait until I complete my 2014 taxes, is there an additional form that I will need to fill out to address this penalty?

Thanks!
Personal Finance Deals
g: -2 Posted By: goodmans4
Views: 217 Replies: 0 Looking for a new laptop computer for my wife -- I've always been aPC guy but decided on the Apple OS over Windows 8 for ease of use. Debated betweenthe MacBook Pro (better screen and more power for about the same price) over the MacBook Air (a little lighter).Compared a lot of websites and best deal I could find todayis at Adorama.com and boughtthe Apple MacBook Pro 13" Notebook, Retina Display, 2.6GHz Dual-core, i5 Haswell, 256GB Flash Storage, 9h battery, and includes 3 Year AppleCare support (sign up for Adorama's free VIP account), free shipping (US), and no taxes for CA, total $1,499.00.
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"Comfy Sacks" Samples
Added on : Wednesday August 20th 2014 02:00:08 PM
g: 0 Posted By: KCQT
Views: 185 Replies: 0 "So you want to touch the fabric before you decide to buy huh? Maybe you want to match a color for little Johnny's sports cave. Maybe you just collect free stuff. Whatever! They are free!"

http://www.comfysacks.com/samples
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g: 0 Posted By: oxygenmm
Views: 4 Replies: 0 Sprintis offering a new family plan that provides 20GB data at $100 for a maximum 10 lines.

For people who are willing to switch to Sprints new Family Share Pack, the company will reimburseup to$350 of the early termination fee for their old wireless carriers.

Here is how the new Sprint family planworks. The monthly fee per-device varies. For monthly data allowance more than 20GB: If you getnon-discountedphone with Sprint Easy Pay, you will pay$15 per month per device; if you choose to get a discounted phone by enrolling in a two-year contract, thats going to cost you $20 per month for each device. Tablets and mobile broadband devices can join the plan with additional fees.

Sprint said the new plan providesshared data at a per-gigabyte price lower than its competition. For example, for a family that hasfour lines, it costs $160 per month to share the 20GB data ($100 for data allowance + 4*$15 per non-discounted phone). At AT&T and Verizon, the cost is estimated to be at least$210 per month for the same data plan.

Note that the above chart shows how $100 can buy you 20GB at Sprint but only half of the data bucket at AT&T and Verizon. In addition, with Sprint, a family plan with four lines will need to pay $170 to get an 8GB plan, which is actually more than the $160 for 20GB. The thinking behind it, asthe Consumeristnoted, is that most people will never come close to using their 20GB data every month.Sprint can dangle all that extra data out there and pretend like youre getting a great offer. So people who switch to the new Sprint plan may be saving money on a per-gigabyte basis, but they will likely leave lots of unused data on the table every month, Chris Morran wrote in his article on the Consumerist.The only consumers who would benefit from the new Sprint plans are true data hogs that use more the 4 to 5GB of wireless data per month and are tired of being throttled or paying overage fees to their providers.The new data plan pricing marks the first move for the companys new chief executive, Marcelo Claure, who said last weekit would be his top priority cutting prices. He also admitted that the company still has far to go in improvingitswireless network.In a recent study published by RootMetrics,Sprint performed poorly across the board while Verizon ranked top for reliability, speed, data, call and text performances. Sprint also remained as the slowest carrier in terms of average 4G LTE rates in another test conducted by CNET examining the speed of the four major wireless providers.When you have a great network, you dont have to compete on price, Claure said. When your network is behind, unfortunately you have to compete on value and price.Sprint has decided to drop its bid for its rival T-Mobile U.S.and will announce more aggressive pricing plans; Verizon went back to basics with a $60 single line plan with unlimited talk and text plus 2GB wireless data; and T-Mobile unveiled a promothatundercuts AT&T on a four-line, 10 GB family plan.Analysts said carriers would likely respond to Sprints price cuts with more steepdiscount of their own to keep their subscribers.We will see a trickle down in pricing concessions across the industry. This is the start of a price war many anticipated would be coming, Angelo Zino, analyst at S&P Capital IQ, told Reuters.The new Sprint family plan will launch Aug. 22 with alimited-time offer that adds 2GB per line each month for free. Claure said Sprint will announce more pricing for individual plans later this week.( I took this info from http://www.washingtonpost.com/news/business/wp/2014/08/19/sprint... )

**Monthly charges exclude taxes & Sprint Surcharges [incl. USF charge of up to 15.7% (varies quarterly), up to $2.50 Admin. & 40 Reg./line/mo. & fees by area (approx. 520%)]. Surcharges are not taxes. See sprint.com/taxesandfees.Activ. Fee: $36/line. Credit approval required. Plans: Offer ends 09/30/2014. No discounts apply to access charges. Includes unlimited domestic Long Distance calling and texting. Data allowance as specified. Third-party content/downloads are addl charge. Intl svcs are not included. Max of 10 phone/tablet/MBB lines. Waived Monthly Access: Ends 12/31/15. After that customer will be charged applicable monthly access charge based on option selected in addition to monthly data allowance charge. To avoid charges, customer must contact Sprint to make changes. Sprint Easy Pay obligations will still apply if applicable. Discounted phones Access ($40): Invoice will show a term access charge of $15 or $25 to add up to the $40/mo/line charge based upon the data allowance selection until the customer enters into a new device transaction that does not have an annual term service agreement. Data: Includes shared data across all subs. Amount of on-network data allowance depends on selection and 100MB off-network data usage. Addl on-network data usage: 1.5/MB. Additional Off-network data can be added by opt in only for 25/MB for tablets/MBBs. If conflicting share data allowances are applied to an account, the majority on account or most recent change may be applied for all lines. Mobile Hostpost Usage pulls from your shared data and off-network allowances. Usage Alerts: Customers on the Sprint Family Share Pack Plan will receive text alerts or email to the primary account holder in 40% increments over the original data allowance for customers with a 600 MB allowance, at 20% increments for customers with a 2 GB or 4 GB allowance, or at 5% increments for customers with a 8 GB or higher allowance. Customers on other plans will continue to receive notifications after exceeding 20% increments over their original data allowance. Early Upgrade for Easy Pay: Req. active add-on thru time of upgrade with min. 12 consecutive payments of both the buy up and an installment agreement for phones, new phone Installment Agreement, acct. in good standing, & give back of current eligible device in good & functional condition. After upgrade, remaining unbilled installment payments for giveback device are waived. No discounts apply. If you choose to not upgrade early, we will remove the $5 monthly option charge after your Sprint Easy Pay installment agreement is paid in full. Usage Limitations: Other plans may receive prioritized bandwidth availability. To improve data experience for the majority of users, throughput may be limited, varied or reduced on the network. Sprint may terminate service if off-network roaming usage in a month exceeds: (1) 800 min. or a majority of min.; or (2) 100MB. Prohibited network use rules apply see Sprint.com/terms and conditions. $350 Visa Prepaid Card Offer: Consumer, IL and CL phone lines purchasing a new device with Sprint Easy Pay and porting the new line on a Sprint Family Share Pack Plan with 20GB of data or higher. Amount based on ETF (Early Termination Fee) charged or remaining balance on install-bill device (excludes Prepaid devices). All lines must be ported from an active wireless line at another carrier and remain active and in good standing for at least 45 days to receive the prepaid card. You must submit your final bill showing your ETF or installment balance no later than 12/31/2014. Allow 12 weeks for your prepaid card to arrive. Register at www.sprint.com/jointoday.Excludes 100+ Corporate-liable, upgrades, replacements, and ports made between Sprint entities or providers associated with Sprint (i.e., Virgin Mobile USA, Boost Mobile, and Assurance), and plans $10 or less. Not combinable with other offers. Cards are issued by Citibank, N.A., pursuant to a license from Visa U.S.A. Inc., and managed by Citi Prepaid Services. Cards will not have cash access and can be used everywhere Visa debit cards are accepted. Sprint Easy Pay: Req. 24-mo. installment agreement, 0% APR, & qualifying device & service plan. Credit approval req. Device pricing for well-qualified buyers. Monthly payment terms for all others will vary and a down payment may be required. Down payment, unfinanced portion and sales tax (on full purchase price) due at purchase. If you cancel wireless service, remaining balance on device becomes due Network Improvement Claims: Compared to prior Sprint network. Visit Sprint.com/network. Coverage not available everywhere. Other Terms: Offers and coverage not available everywhere or for all phones/networks. May not be combined with other offers. There is no minimum term applied based on the Sprint Family Share Pack, but the Service Agreement applies and automatically continues on a month-to-month basis unless you contact us to inform us of any changes, including cancellation. There may be a minimum annual term applied or continued based on a discounted device purchase. Sprint 3G network reaches over 281 million people. Sprint 4G LTE network reaches over 225 million people. Restrictions apply. See store or Sprint.com for details. 2014 Sprint. Sprint and the Sprint logo are trademarks of Sprint. Other marks are the property of their respective owners.
Contigo Monroe Autoseal Travel Mug $6 @ Meh
Added on : Tuesday August 19th 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 198 Replies: 0 $5 shipping or free for members

12 oz. capacity is no match for your super-sized American appetite
One-handed operation leaves your other hand free to text while driving
Full stainless body keeps beverages too hot or cold
Cup-shaped, like a cup
Some of the colors are a little gross, but we'll let you decide which ones

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Home & Garden Deals
Management company vs self manage on rental house
Added on : Tuesday August 19th 2014 11:00:08 AM
g: 0 Posted By: roxygirlie1021
Views: 131 Replies: 0 Just curious what other FWFers do on your rental homes. The husband and I are moving into a new house, but keeping our current one as a rental. Trying to decide if we should get a management company to take care of everything for us (and thus take 10% of the total rent...) or manage it ourselves. Our new home is about 40 minutes away, and my husband is a stay at home dad, so he would be available during the day. We are just worried about getting calls in the middle of the night and when we are out of town, things like that.
Question Deals
Did not pay estimated taxes - now what?
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: LagerChamp
Views: 0 Replies: 0 I made a little "too much" money last year, because I still had employment income and also started a business that was profitable in 2013. So in April 2014, TurboTax printed 4 estimated tax coupons for me, with the first one being due, I believe, in April and the second one 3 months after that. It is now end of August, and I still haven't mailed any of those vouchers, for several of reasons, some of which are: 1) I quit my regular job and am now living off the income from the business, so there is no more W2 income (i.e. the estimate amount is way off);2) My business income is down from last year (although still profitable); 3) I was short on cash due to additional loans taken to invest in the business.

In the end, I'm pretty sure that I still owe estimated taxes, because my business did make money, and I still haven't paid a dime in taxes for 2014. I have two questions:

1. What will be the consequences if I continue to sit on my ass until April 2015 and pay all the taxes then? Interest, fines, and/or jail?
2. If I do decide to pay everything I owe up until now, which vouchers do I mail right now? The April one? Just the second one with combined amounts from vouchers 1 and 2? Will there still be penalties if I pay everything now? Can I take the liberty of adjusting the amounts or does it have to be whatever TurboTax printed on the vouchers?
g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

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

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

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

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

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

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

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

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

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

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

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

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

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

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
Discussion Deals
g: 1 Posted By: remick
Views: 220 Replies: 1 https://www.udemy.com/self-leadership-system-how-to-achieve-95-o...

Self-Leadership System: How To Achieve 95% Of Your Goals!
Learn How To Become A Person Of Value With The One And Only Self-Leadership System.
By Vladimir Raykov

My first goal: I needed $35.000 for education - done.
My second goal: I needed admission to one of the best business schools in Europe - done.
My third goal: I needed a boost in my career and this resulted in four (4) promotions in eight (8) months - done.
The list goes on and on.
I've been studying successful people for 7 years now and Ive noticed striking similarities, which I intend to share with you in this course.

During my journey, Ive discovered 7 key principles that help people to become of great value (being useful and important) and to achieve their personal goals. These principles are the essence of:
Self-Leadership.

1.PRINCIPLE ONE BE PURPOSEFUL. Having a clear purpose simply means to know what you want. Once you understand what you really, really want (this may be challenging) you will instantaneously have a direction to move in. This is the first step in both leadership and self-leadership.
2.PRINCIPLE TWO BELIEF. This is one of the most important topics of all. Without belief one will not accomplish any significant achievements. What we believe shapes our reality. Believe in yourself, believe in others, believe in a higher power.
3.PRINCIPLE THREE COMMUNICATION. Communication plays too important a role. All excellent leaders, marketers, politicians, lawyers, teachers, etc. are proficient at communication. This is an area where we should pay attention and strive to improve constantly.
4.PRINCIPLE FOUR POSITIVISM. We are attracted by positive people. Emotions are contagious positive and negative. Positivism does not mean blind optimism. Not being positive in some cases may be considered as a lack of confidence. No confidence no results.
5.PRINCIPLE FIVE THINKING. Successful people think in a different from the masses way. There are different types of thinking. Our mindset determines if we are going to be successful or not. We should be constantly working on it. There are essentially two ways to improve your thinking the people you meet and the books you read. (an old saying)
6.PRINCIPLE SIX GOALS. This is how you become purposeful (principle 1) by having goals. There are some key moments that we have to take into consideration when we set goals. Most importantly, our goals must be specific, detailed and written down.
7.PRINCIPLE SEVEN EDUCATION. When it comes to personal development, many people just want to become successful we all would love to win, but how many of us love to train? Successful people (including leaders) educate themselves constantly. Do not miss an opportunity to learn something new every day!

I really got excited and I wrote a book about the application and integration of the first 4 principles, by giving examples and sharing my personal story. If youd like to learn more about it you can check out my book Leadership: Achieve Your Goals Four Simple Leadership Principles For Everyone!
It already has approximately 3000 downloads from all over the world.
Vladimir Raykov offers a deep insight on the natural human instinct for success through self-development. He obviously has valuable innate personal qualities that seek a way to express themselves.
The inspired and hard working man as himself sees options and possibilities in the same social environment where the average person sees only obstacles.
You always have to work hard enough to improve yourself - this is the key to understand his vision. In his own words - have a plan and stick to it. If one is content with his accomplishments he loses his drive to live a fruitful life.
As the saying goes:Speak so that I may see you,Vladimir adds a useful advice DO,so the others could evaluate you,because actions speak louder than words.
There is no other way he will definitely get your attention. He points a fact often neglected we all have approximately the same amount of time in our lives and what we choose to do with it ends up being our so called destiny.

Regional Manager Dimitar Ilchev.

I decided to go one more step (or a leap) further. I felt a need of a system to guide us towards the accomplishment of our personal and meaningful goals. This is why, Ive created:
**The Self-Leadership System**

I appreciate simplicity, this is why I designed the system in a way that is comprehensible for everyone. The system has four elements the last three from the list above plus belief.

Thinking --> Goals --> Belief --> Education

Everything that you will learn in this course has been tried and tested. The ultimate goal of learning is a change in your behavior.
I firmly believe that this course is going to help you achieve your personal goals, as it did with me and so many other people.
Yes, there is valuable information here, in this description; however, this is just the surface.
Are you interested in developing yourself, becoming a person of value and achieving your goals?
If your answer is YES, I would like you to invite you to take this course right now.
Services Deals
When the Soul Mends $9.33 @ www.walmart.com
Added on : Sunday August 17th 2014 12:00:07 AM
g: 1 Posted By: jaymanthegreat
Views: 155 Replies: 0 When the Soul Mends $9.33

Format:Paperback,=12px
354 pages
Publisher:Random House Inc
Publish Date:Sep 2008

Book Information:The following content was provided by the publisher.Returning to the home she fled in disgrace, will Hannah find healing for the wounds of the past?
After receiving a desperate and confusing call from her sister, Hannah Lapp reluctantly returns to the Old Order Amish community of her Pennsylvania childhood.
Having fled in disgrace more than two years earlier, she finally has settled into a satisfying role in the "Englischer" world. She also has found love and a new family with the wealthy Martin Palmer and the children she is helping him raise. But almost immediately after her arrival in Owl's Perch, the disapproval of those who ostracized her, including her headstrong father, reopens old wounds.
As Hannah is thrown together with former fiance Paul Waddell to work for her sister Sarah's mental health, hidden truths surface about events during Hannah's absence, and she faces an agonizing decision. Will she choose the "Englischer" world and the man who restored her hope, or will she heed the call to return to the Plain Life-and perhaps to her first love?
"When the Soul Mends" is the third and final book in the Sisters of the Quilt series.

Customer Review:
Nice book, Journey of Healing
I had the chance to read and review "When the Soul Mends" by Cindy Woodsmall. This is the third book in the "Sister of the Quilt" series. I have not read the first two books, but I intend to now after reading the third book. This Amish novel is about a twenty year old Amish girl who needs to find peace and healing to past events that had happened to her in the first two books. After giving birth to a child who dies, Hannah ends up leaving the Old order Amish world to find her aunt who became an Englisher. She then falls in love with Martin and together they take care of his niece and nephew (Kevin and Lissa) who were abandoned by their mother. Returning to her Amish homeland two years later, because of a tragic death, she learns her younger sister is having mental health problems and feels the need to help her. This books takes you through her journey of healing her broken heart and trust issues. Old feelings arise with her ex-fiance Paul and at the end of the book you will see if she decides to return to her Plain life, or if she makes a life with Martin and becomes a family with him, Kevin and Lissa. I enjoyed reading this book and the way Cindy Woodsmall write.
Books Deals

Walmart Coupons
International wire transfer theft question
Added on : Friday August 15th 2014 04:00:05 PM
g: 0 Posted By: zlloyd1
Views: 152 Replies: 4 I know that once you send money via an international wire transfer that you are essentially stuck with it, but I have a concern that is somewhat related to this, but not exactly that....
I was doing payment processing for a company based in the Warsaw, Poland that runs an online eCommerce site similar to Amazon, and eBay, where people purchase high dollar items online, and they are shipped to them around the world. Because of the location of this organization in the former Soviet Union, they have payment processing agents in the United States that receive the payments for these items from customers who buy out the U. S. to their personal PayPal accounts, transfer the funds to their bank account,s and then wire the payments to them in Poland. This done for a commission, and a percentage of the payments are kept by the processing agent.
This is a simple enough job with a pretty decent payout, but it becomes an issue when the item that was purchased is not sent to the customer, and they file a dispute with PayPal, citing the processing agent as the merchant responsible. PayPal decides in the buyer's favor, and refund the full amount of the purchase to them, taking it out of the processor's account balance....
This is after the money has already been wired to Poland. I have been the victim of this, and have a question that I need to know. Of Course, I cannot reach the company for the life of me to get a resolution to this, and am not expecting to.
I now have a -$5300 balance in my PayPal account because of this exact thing happening to me, but I have a wire transfer receipt from my bank showing that I did indeed send this money overseas. Is that receipt enough to influence PayPal to drop this against me, and restore my positive balance?? I mean, I have nothing to do with this guy not receiving his necklace, but I am his only contact point and so I am now holding the blame. PLEASE explain what I can do here, and thanks in advance!!
New User Question Deals
HUD Minimum Acceptable Bid & Other Questions
Added on : Friday August 15th 2014 05:00:07 AM
g: 0 Posted By: scottybweyy
Views: 27 Replies: 0 I'm planning on bidding on a house in SC, which is in HUD Region 4. It's uninsured so it only has a 5 day exclusive bid period for owner occupants and no investors.I couldn't find much data on the minimum acceptable bid for uninsured HUD houses. I've read as high as 93%, but many numbers have said 87%, 85%, and 80% are possible depending on region for insured houses during their first bidding period. Some questions:

Any ideas on what the minimum acceptable bid for this house in percentages?
If I think I'll be the only bidder and place an offer, will I have to accept the counter before the first investor bids a minimum acceptable bid? Or would they let me decide on the counter before they open any investor bids?
If you resubmit a bid do you get a new bid acknowledgement number?
Union Plus Prepaid Savings Account - 5.1% APY
Added on : Monday August 11th 2014 09:00:10 AM
g: 0 Posted By: MoogLiberation
Views: 32 Replies: 0 I searched and didn't find any threads that had answers to my questions and I just figured I'd throw them out there to the group. I'm looking to open an account with Union Plus and I have a few questions before I do so:

I don't plan on using the account for anything besides the savings account. Am I understanding it correctly that the monthly $2 fee is waived as long as you DD $500/month? So with the DD I wouldn't experience any fees, right?

I'm planning to fund the account with $5,000, so each month I would have to withdrawal roughly $530 (DD + monthly interest) if I want to keep it around that optimal $5,000 level. Is there any way to withdraw that kind of money without being charged another fee? I have a Mango account as well and am just asking for CashBack at the supermarket. Although I don't ask for nearly as much CashBack back, and I'm not sure if that same strategy would work.

If I decide not to do the DD and just eat the monthly fee, is there anything I have to do (like a small DD) just to keep the account active and open? Thanks.
Best ways to make money while traveling the world
Added on : Sunday August 10th 2014 09:00:09 AM
g: 0 Posted By: eddierd
Views: 32 Replies: 0 Permanently traveling the world sounds like it could quickly drain your finances. But for Derek Earl Baron, 37, founder of wanderingearl.com, it was the most lucrative decision of his life. Hes been on the road for 5,268 days over 14 years visited 88 countries, and worked 10 different jobs.After graduating college, Baron was only planning to travel for three months before buckling down to start his career in sports management. But a week into his trip, he decided corporate life wasnt for him.In just that one week I had so many life-changing travel experiences, that [I thought] there must be so many more of those experiences out there in the world. I decided that I couldnt go back, Baron told Yahoo Finance. Determined to make a living while on the road, he was able to find money-making opportunities that allowed him to save money while seeing the world.Article Continues: http://finance.yahoo.com/news/how-i-saved--24-000-while-travelin...
Discussion Deals
Small car accident, adjuster issue.
Added on : Friday August 08th 2014 07:00:07 AM
g: 0 Posted By: unnamedny
Views: 34 Replies: 1 I was rear ended while driving in slow moving traffic on high way. Car is drivable, little damage to front and rear bumper cover (got pushed into car in front of me). I decided to go with insurance of driver who ran into me. Make it short, I scheduled an adjuster to come and take a look at car on 7/31.I parked car at my Body Shop on 7/30. I was supposed to get confirmation call from that independent adjuster on 7/30. No one ever called or showed up the following day. I called insurance company and they have rescheduled for adjuster to come on 08/05 and he did. As of now he still did not send anny details back to Body Shop on the damages or to insurance company and its friday now. My car was supposed to be out of the shop next week, instead its going to take another week to fix it at its best. Can I claim anything from that independent adjustment company? Should I claim anything from driver's insurance? Should I just pick up my car and drive it until its all settled?

It's not a big deal, but it just seems to me that someone is not doing their job property. I also needed a car next week and now I have to borrow it from relatives.
2001 Chrysler Town and Country failed smog test in CA. Advice?
Added on : Monday August 04th 2014 05:00:09 PM
g: 0 Posted By: vikasdua
Views: 171 Replies: 2 !!!!!THIS IS MY FIRST POST AND I HOPE I AM PUTTING IT IN THE RIGHT SECTION. IF NOT, APOLOGIZE IN ADVANCE.!!!!!

Background:
I have a 2001 Chrysler Town and Country that I brought used from a private party in Oct 2010. While I was inspecting the car, the engine light was on (code: P072 which means engine running rich). The owner replaced 2 oxygen sensors and showed me the receipt of the work done and I bought the car in 2010. I bought this car using craigslist and paid cash for the car. Ever since I drove the mini van from the sellers house it has been having intermittent issues with the engine light (same error code). Over the years I have tried to get this issue fixed and spend about $1000/- but was never able to resolve the issue. The last time I had to do a smog i.e in 2012 I was lucky that the engine light was off and the van passed smog.

Current Situation
The smog check was due and when I was getting the smog test the engine light came on with the same code (P072) and the car failed smog. I decided to try my luck and took it to Big O tires to try and fix it and they replaced another oxygen sensor that cost me $273/- but the problem came back.

Question:
I cannot sell it to a private party in CA without passing the SMOG test. The KBB value for the van is between $2800-$3300. I have an appointment with Big O Tires on Friday for them to try and diagnose the problem and I have a strong feeling that they will recommend replacing something else that will cost me more money but will not eliminate the problem.

What do you guys recommend? Try my luck and change another part OR donate it and get a tax write off OR sell it for parts?




Question Deals
Nintendoland Wii U w/ Luigi Remote Plus $29.99 Best Buy
Added on : Sunday August 03rd 2014 08:00:03 AM
g: 0 Posted By: mike96sc2
Views: 247 Replies: 0 A couple weeks back Best Buy had a daily deal on this for $39.99, I missed the deal and didn't get one.

Fast forward to today, I'm in my local store and I see it on the shelf on clearance for $42.xx. I decide to bite and then when I get to the checkout it rings up as $29.99. Cashier told me staff at the local store doesn't do a good job of keeping the current pricing on the shelf and that it was probably $29.99 everywhere.

BBY.com shows none in stock in my area, but I found about a dozen copies on the shelf, so I wouldn't trust their inventory checker.

Happy Hunting.
Wii U Deals

Best Buy Coupons
g: 0 Posted By: alamo11
Views: 0 Replies: 0 I know it's Fox but..

This is how unethical servicers make money!


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

http://www.foxbusiness.com/markets/2014/08/01/some-subprime-mort...
Federal Direct Graduate PLUS loan vs private loans
Added on : Tuesday July 29th 2014 07:00:08 PM
g: 0 Posted By: garyshultz
Views: 81 Replies: 1 Hey guys,

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

What are the pros and cons?

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

Thanks.

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

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

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

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

-=-

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

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

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

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

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

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

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

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

Thanks much,
Dell4600
FHA 203(k) Questions
Added on : Sunday July 27th 2014 04:00:07 PM
g: 1 Posted By: scottybweyy
Views: 50 Replies: 1 I'm considering purchasing a multi-family quadplex and had some questions on FHA 203(k) loan.

1.) When searching the lender liston the HUD site, I return 0 lenders when searching for those who have done a 203(K) loan in the post 12 months in SC. Does that mean 203(k) loans don't exist in my state?
2.) What national lenders will allow appliance purchases with this program?
3.) Is there a lender where I can qualify for both a conventional FHA and a 203(k) loan in case I decide to only go conventional?
4.) I have read that you need working capital since the draws to pay contractor milestones are typically delayed ~60 days. Is it possible to do a 203(k) without paying contractor personally?




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

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

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

I know that I could have gotten an existing townhouse in the neighborhood cheaper for the most part but the market is tight where I am so most people are paying above listing price and none of the places I looked at were worth the listing price. My credit is only average so I know that I don't qualify for the best rates. Chase quoted me 4.75% on a 30 year fixed with a mean CS of 670.
Personal Finance Deals
Killzone: Shadow Fall - PlayStation 4 $19.99 @ Best Buy
Added on : Thursday July 24th 2014 10:00:06 PM
g: 0 Posted By: ctgolfer
Views: 156 Replies: 0 Transform yourself into Lucas Kellen, a Shadow Marshal of the world Vekta who is equal parts elite soldier and master spy, sworn to defend your human brethren from co-inhabitants and sworn enemies, the HelghastRepresent the ISA as you strive to stabilize an ever-deteriorating cold war against the Helghast your choices will determine the fate of this world, so you must preserve the peace, no matter what it takesCome face-to-face with the mysterious and dangerous female Helghast soldier, Echo, and uncover a truth that will crumble the boundaries between right and wrong in a twist that will force you to decide what kind of hero you want to beChoose from a vast selection of futuristic weapons and gadgetry, including the OWL a versatile, controllable combat drone to augment your skills and provide an array of innovative tactical optionsExperience stunning environments, awe-inspiring futuristic set pieces, an enhanced shooter experience and highly intelligent enemy AI, all of which display the unbridled power of the PlayStation 4 and DUALSHOCK 4 controller


www.bestbuy.com/site/killzone-shadow-fall-playstation-4/8677045....


PS4 Games Deals

Best Buy Coupons
g: 0 Posted By: cyberfire
Views: 98 Replies: 2 I did some searching on older threads and didn't see much in the way of topics around renting, mainly around ownership, so I'm hoping some members with recent experience can lend some insight here...

I wouldn't normally look at mobile / manufactured homes in my market as a rental property, but a situation just came up with someone we know that is currently renting one, and the owner is selling it, which made me wonder about this. Here are some of the specifics:

It's been converted to real property, the land and unit are both owned, which qualifies for traditional mortgage lending (in theory anyways)
Located in a desirable area of town, centrally located
Was built in 1984, in immaculate shape, dated interior
Asking price is 70K - majority of the cost is from the land
Current tenants are paying about $550 / mo
If they ever decided to leave, new tenant rent would go up to $650-700

With 20% down, after all expenses it would still cash flow, although not by much, around $150 / mo.

Getting $1,800 / yr return on $14K would be 12.8% - doesn't seem terrible, but is that the best way to look at this?

Has anyone else bought and rented out mobile or manufactured homes? What was your experience like? Was it worth it?





Real Estate Deals
First Gear Motorcycle jacket $30 net after giftcard
Added on : Monday July 21st 2014 01:00:04 PM
g: 0 Posted By: LORENW
Views: 215 Replies: 0 Motorcyclegear.com
Having trouble viewing? Open in a web page by clicking here. Almost Free #29

FirstGear Rush Mesh Jacket,Net Cost Just $29.95!Summer is coming to an end, so we thought we'd throw out a red hot deal while you can still get some use out of your summer gear this season! The deal is: Buy this jacket for $179.95 plus shipping and you'll get a $150 gift card in return to use towards a future purchase, so your net cost is just $29.95 plus shipping! This jacket went on closeout a few weeks back. We like this product and decided to buy the whole lot. That's how I can offer you this great "Almost Free" deal today. But it won't go on for long... so hurry!The Rush Mesh Jacket is designed for hot weather use. The entire shell of this jacket is constructed of flow through mesh material so youll get the most flow possible out of a protective jacket. I find that wearing a full mesh jacket like this will also help protect from sunburn and windburn. This jacket also has a removable windproof/waterproof full sleeve liner. When things cool off a bit, you can install the liner to widen the comfort temperature range. And with a layer underneath you could wear this jacket down to cool temperatures.









Nearly every size available in mens Small thru XXXL in these three colors. Tall sizes are available too!

Fine Print: Here are details on how the Promo Gift Cards are issued. You can request the gift card as soon as you've received your order and confirmed you will be keeping it (not exchanging or returning). If you don't make an early gift card request, it will be automatically issued in 30 days.

Restrictions for this Almost Free Sale:
1) We do not allow you to purchase this product with a Gift Card issued as a result of this sale or any prior "Almost Free" sale (our cart will allow it, but we will subsequently cancel the order, so please don't make us jump through that hoop!);
2) Likewise, you cannot purchase this or any future "Almost Free" sale item(s) with the Gift Card issued as a result of this sale;
3) Orders not eligible for free shipping. Shipping charges apply to all shipments from our TX warehouse including this jacket. You may add extra merchandise, but shipping will be charged. Merchandise shipping from other locations is eligible for free shipping (if over $89);
4) Any percentage off coupons you may hold may not be applied to the purchase price of this item (although other items in your order may be discounted if not otherwise excluded by brand);
5) This sale is for our private customers/consumers. Purchases from resellers are not welcome and will be cancelled. Limit 2 per customer please!

Your cooperation is appreciated:There are a lot of outstanding Almost Free gift cards. Admittedly, we don't have special software in place to prevent an order from being placed with a previous Almost Free gift card, but we do manually screen all orders placed using store credits. So please, save us both some time and don't use those previous Almost Free Gift cards!


Here's Why You'll Love Shopping With Us: Expert Product ReviewsFree Shipping/Easy ReturnsGreat CloseoutsEarn Cash, Sell Used Gear in the Customer's Closet

Personal Customer Support
Family Owned/Operated for 15 Years
Thanks for your business!

Paul Thompson, OwnerMotorcycleGear.com
New Enough, LTD
405 Clovis Road, Unit 83
Shallowater, TX 79363


Corp To Corp versus 1099 Sole Prop Consulting? Pros/Cons?
Added on : Sunday July 20th 2014 07:00:07 PM
g: 0 Posted By: robronson
Views: 33 Replies: 0 I'm currently doing 1099 consulting. I've considered doing Corp To Corp (C2C) consulting such that I can form an S-Corp, hire myself as a W2, pay for things such as HSA Contribution pre-FICA tax, retain some of the money in the business to avoid SE Tax, and also to enroll in state unemployment because I believe my line of work will be dying out in the next 6 to 36 months. I see UI as a net positive given the tax-deductible cost of enrolling a single employee compared to 6 months of payouts when my consulting work eventually dries up.

Further, I work through third-party consulting firms through a loose relationship where they land me gigs, and a few of these consulting firms do not offer 1099 relationships, only W2 (through them) or C2C. I refuse to be someone else's W2.

Third point is I started a thread earlier this year that fizzled out, where I suggested it may be beneficial to have two separate entities to perform consulting through, such that you may be able to reduce state income tax. For example, perhaps you can do work in NY/CA through your S-Corp, max out your HSA contribution, Employee and Employer 401k Contribution, etc, through that S-Corp, and then the second part of the year, if you do work in TX/FL, you do it through your Sole Prop without any deductions. In theory, if you did everything through one entity, you'd have to reduce your 401k contributions/etc across all income equally such that you only get to deduct a portion of your deduction against your NY/CA income versus if you separated entities, you could say the S-Corp got all of those tax benefits and reduce taxes owed to the high-income tax states.

Fourth point is the ability to mess with income tax withholding through your S-Corp. Suppose you work Jan through August as a 1099 and decide to pay nothing in quarterly taxes. But then you withhold your entire paycheck from your W2 September through December and mail those to the IRS biweekly. I know married couples do this trick where husband does 1099 and underpays quarterly taxes and wife adjusts her withholding the last few months of the year to compensate. No penalties. Not sure if this works as an individual.

My biggest concerns with using an S-Corp are:

1) If I have to register as a foreign entity in each state I do consulting in. That seems like a hassle, and expensive. I think California was $500 to register as a foreign entity per year. I am nearly certain as a sole prop this is not necessary.

2) How difficult doing payroll for myself as a W2, filing UI payments with the state, etc. I've never used an accountant. I prefer learning things myself and handling as much as I can, and so far as a 1099, it's cake. I prefer this because as a true fatwalleteer, I use my understanding on a daily basis to plan the year out. I don't wait until April of the following year to talk to my accountant only to learn I should have done something differently the previous year. Doing things myself has a huge net positive benefit that exceeds the cost savings of paying for the accountant.

3) Anything else I missed?

Tax Deals
Citi Visa vs. Amex for big-ticket electronics?
Added on : Saturday July 19th 2014 03:00:04 PM
g: 1 Posted By: Tony1337
Views: 164 Replies: 3 I currently have a Citi Visa and an Amex and I'm trying to decide which one to use for my next major online electronics purchase (e.g. DSLR camera). Both have 1% Cash Back, 90-day purchase protection (against thefts/accidental damage), and 1-year extended warranty. Based on what I've heard, the Amex extended warranty program is much more hassle-free than the Visa (haven't heard anything about the purchase protection). However, the Visa card offers Citi Price Rewind, which refunds the difference if you buy an item and in the next 30 days, it is being sold for at least $25 cheaper by any retailer, which is not available for the Amex.

Based on these details, which card do you think I should use?
Credit Deals
Job Resignation Cirumstances
Added on : Saturday July 19th 2014 09:00:12 AM
g: 0 Posted By: Dus10
Views: 103 Replies: 1 To keep a long story short, my wife has had significant health issues for seven years. At times they are worse and they are currently getting there. She is a nurse and as things have gotten worse she has missed some work and despite stellar performance and accolades from the doctors she works with was placed on a sort of probation due to some absences (all backed up with medical documentation). She has an upcoming surgery and she was planning to take leave for that period and had approval for that time off. She changed her mind as she found out she would have subsequent unrelated surgeries in the following months and put in her two weeks notice. She worked through the notice and it was obvious that she was being treated poorly because they had her floating to other departments every day. On her last day, she was signing her paperwork finalizing her resignation and it was stated in the documentation that she would be ineligible for rehire; as her boss wasn't present, nobody could give her an explanation other than her boss indicated she would know why.

Normally, I would be concerned with such a thing, but she works for a very large health system and this will significantly reduce her employment options going forward, should she decide to return to the workforce. Since all of this is due to her health, it really seems inappropriate. What sort of direction should be take? Should we consider speaking with an employment attorney to get this removed from her employment record? All of the doctors loved working with her as she was competent and hard working... I could easily see them being appreciative of having her as a nurse on their staff in the future as they work at multiple hospitals (all within the same system) and she could simply work in a different office.

It really seems like they were trying to get her to quit prior to her notice so that they could have a more legitimate reason for the statement in her employment record. As we have little desire to move elsewhere, this sort of thing will be very problematic as there are only three other major health systems in the area and they all pretty much control everything in the area, whether that is nursing homes, doctors offices, etc.
Question Deals
g: 0 Posted By: Xenocrates
Views: 48 Replies: 0 ASUS VE247H Black 23.6" 2ms (GTG) 1080pHDMI LED BackLight LCD Monitor w/Speakers- $119.99 AC AR FS @ Newegg.com

This deal is back again. This is the standard low price for 24" 2ms ASUS monitors, but for anyone out there in the market for one this is a decent deal.

Coupon Code:EMCPCWE24 - This coupon may require being signed up for the newegg emails.

Rebate: $20 Prepaid Card

23.6" 1080p LED Backlit LCD Display

2ms (GTG) Response Time
10M:1 Dynamic Contrast Ratio
300 cd/m2 Brightness
Inputs:1 HDMI, 1 DVI, 1 D-Sub
22.42" x 16.13" x 7.91" (w/ stand)
3 Year Warranty

4 / 5 eggs with 627 customer reviews

The next best price from a rated merchant on Google Shoppingis $156.62 from NextWarehouse.

Personal Experience: I and most of my friends ended up getting ASUS monitors and all of them still have them 3 years on and mine is now 5 years old. I will be buying another when it finally dies or I decide to upgrade to a 27". I still wish they hadn't ditched making 1920 x 1200 28" monitors but such is commerce.
Monitors Deals

Newegg Coupons
Xbox One or Playstation 4 for $306 AC at Target B&M 2 Days Only
Added on : Sunday July 13th 2014 12:00:04 PM
g: 9 Posted By: jephboy
Views: 1608 Replies: 10 Get the Xbox One or Playstation 4 for 15% off, plus 5% off on top if you have a Target Redcard and another 5% off for Pharmacy Rewards. This is for in-store purchases only. Same procedure can be applied for other electronics and entertainment items as well, so not just Xbox One and PS4.

Instructions:

Sign up for Target Cartwheel if you don't already have it on your mobile device: http://cartwheel.target.com/
Add the 15% off Electronics and Entertainment coupon to your Cartwheel app.
Go in store before all the crazy couponers show up and realize the deal.
Buy Xbox One, PS4, video games, or any other electronics/entertainment item allowed. Limit 4 and some exclusions apply.
If you have Pharmacy Rewards, present this first for 5% off.
Present Cartwheel coupon at checkout for 15% off.
If you have Redcard, an additional 5% will automatically be applied at payment.

Potential discount in order of compound coupon application:

$399.99 - $60.00 (Cartwheel 15% off) = $340.00 +tax
$399.99 - $60.00(Cartwheel 15% off) - $17.00 (Redcard 5% off) = $323+tax
$399.99 - $20.00(Pharmacy Rewards 5% off) - $57 (Cartwheel 15% off) = $323+tax
$399.99 - $20.00(Pharmacy Rewards 5% off) - $57 (Cartwheel 15% off) - $16.15(Redcard 5% off) = $306.85+tax (best value!)

Cartwheel coupon is also good for other electronics and entertainment, including TVs and video games, but only for the next two days. So feel free to use it for Apple products as well as TVs and video games, etc. etc. Have fun beating up other couponers for the remaining inventory! Yes, it works on:

Xbox One and PS4 games
computer games
GoPro
Laptops
Tablets
Apple products (iPad, iPod, etc.) and accessories.
TVs
DVD and Blu-ray players
Roku

If you're not sure, check the Target mobile app to see if "Cartwheel Offer" displays next to the item or scan the UPC in store with the Target Cartwheel app. Coupon expires July 14 at end of business or when Target decides to revoke the coupon because it's being over redeemed...?
Video Games Deals

Target Coupons
Thermoworks RT600C Instant Read Thermometer $21 shipped
Added on : Sunday July 13th 2014 05:00:04 AM
g: 0 Posted By: Scumbag
Views: 208 Replies: 0 Link

I've had one of these for years and it works like a charm. I like it so well I decided to order another one and found they were on sale. I've checked mine against my NISC calibrated datalogger and it's within 1/2 degree F from freezing to boiling, but they advertize +- .9F. These aren't as good as the Thermapen, but are still far better than the ones you'll find at most places like Wal-Mart.
Home & Garden Deals
Going after a mortgage broker
Added on : Saturday July 12th 2014 03:00:11 PM
g: 0 Posted By: alamo11
Views: 49 Replies: 0 I'm coming to the FWF community for help with a situation involving a close friend. This person is very deserving and has done a lot of good for others in the community myself included. Recently he purchased a short sale. His DTI wasn't good enough for a 15 year so the broker his mortgage guy put him in a 30 year at a high rate (4.875%) but with no closing costs so he could refinance after he bought the place.

Anyhow he closed and came to me asking for help.Naturally I hopped on Bankrate and found a broker who just happened to be not too far from where I used to live. After a few emails I talked him into doing 2.75% with a .75% rebate on a 15 year with a 1% broker fee. Total closing costs about $3,400. Pretty incredible so he paid for the appraisal and had that done. Three weeks later broker saids the lender denied the loan because of seasoning. Not to worry he found someone with the same rate just a much smaller rebate (about $100). Still an awesome deal so we said fine.

Another three weeks or so of stalling later broker sends an updated GFE with points, higher broker compensation, and a bunch of fees tacked on. I tell him "No Way" and he saids he will get it taken care of. Another two weeks of stalling we decide we've had enough and drive down to his office. Office looks like it was setup overnight; guy looks shocked we showed up and sends us to his secretary. She announces "Maybe we will close next week." "Your cash at close is about $9,000". We flip our shit and leave.

Now: Clearly what happen is a bait-and-switch. During this time I have a number of GFEs and emails saying "ignore the GFE. It's wrong" and now I found out he doesn't have an NMLS license. In fact no one we saw or dealt with has a licence. Just some guy who doesn't even sit in his office. How do I go about reporting this goon and his unlicensed tactics? Friend suffered real damages in increased interest charges and almost had his credit trashed when they said not to worry about paying the mortgage. This is in FL.

Since then I'm working with a direct lender and got a similar deal as he was supposed to get just about $800 more in costs. How do I go about getting this guy arrested or in serious trouble? I wanted to put the fear of god into this guy but my friend restrained me from beating the living shit out of him.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 207 Replies: 0 Product Description
Fiesta 5-Piece Place Setting manufactured by The Homer Laughlin China Company. America's largest domestic producer of dinnerware, and the sole manufacturer of all Fiesta dinnerware. All Fiesta pieces are Microwave safe, Oven-proof, Dishwasher safe, Freezerproof, Lead-Free, and Made in America with the implementation of many green practices. The very durable glaze is great for everyday use. Fiesta as a pattern has stood the test of time, and is typically passed down from one generation to the next. We have kept the pattern constant through the years so that you can count on us to be here when you decide to expand or change your collection. New pieces and colors are added every so often to keep things interesting. Currently, Fiesta is the most collected dinnerware in America.


Whats in the Box
1 place setting. Place setting consists of: dinner plate; salad plate; bowl; 7.75-ounce cup; saucer. 5 pieces total.

www.amazon.com/Fiesta-5-Piece-Place-Setting-Shamrock/dp/B00006JO...


ALSO AVAILABLE T Kohl's FOR $32.99 ( possible discount with Kohl's charge card )
www.kohls.com/product/prd-1095535/fiesta-5-pc-place-setting.jsp
Garden Deals

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

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



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

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


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

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



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

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

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

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

Montmartre Neighborhood Guide (Bravo Your City! Book 6)
http://www.amazon.com/gp/product/B00EDE3RC2
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 30 Replies: 0 shipping adds $5

The Fuji FinePix 16MP Digital Camera, S4830 is equipped with a powerful FUJINON optical zoom lens armed with sensor shift OIS to reduce blur and a Super Macro mode for extreme close-up images down to 2cm
In addition, the Fuji FinePix 16MP Digital Camera, S4830 boasts a 16MP 1/2.3" CCD sensor that captures even the finest details
A Scene Recognition Auto mode with six different scene types can cleverly recognize the subject you're shooting and decide on the settings required
Autofocus times as fast as 0.3 seconds, and start-up times of up to 1.3 make the S4800 a responsive and hassle free way to capture your best photos
In addition, record HD movie 720P/30fps in 16:9 format, take advantage of the convenient Mode Dial for selecting a variety of shooting modes, a large 3.0" LCD screen
You can also take advantage of Instant Zoom, Individual Shutter 3D, AA battery operation (batteries not included) and a host of other performance and convenience features available on the S4800

http://electronics.woot.com/offers/fujifilm-16mp-digital-camera-...
Daily Deals

woot! Coupons
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 09:00:05 PM
g: 0 Posted By: jpfulton
Views: 817 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

I took my car into the dealer last week for repair. Extended warranty covers vehicle rental for me. I went to Enterprise and got a vehicle which I then promptly backed into a building and caused bumper damage. I chose not to get Enterprise's insurance.

I talked to a collision shop before turning the vehicle in and he said that I would need a brand new bumper put in. No way to repair the existing bumper (Ram 1500 chrome bumper). Cost would be $635. I decided to wait until I turned the vehicle in and see what they said. They had me fill out an incident report and give them $500 on the spot which is equivalent to my insurance deductible EVEN THOUGH I hadn't yet decided to put it through insurance. Enterprise called me a couple days later to tell me what the collision shop would charge (technically I called them a few days in a row before I finally got them info). Shop wanted $533. If the true final cost was $533 then I would just pay out of pocket. Problem is that there will also be an administrative fee. No one can commit to exactly what that will be. There will also be a daily loss of use fee. No one can commit to what that will be per day nor how many days I'll be charge. Basically I'm estimating a total of $652. AAA cannot commit to whether loss of use and/or the administrative fee will be covered --- I suspect not but they can't tell me until I file a claim and I'm contacted by a claim handler. Also, in my research I have found that under $500 in damage is a $50 admin fee, over $500 is a $100 fee. I can't help but think that the collision shop's estimate being just over $500 is not random chance (I have read online about other's experience with this). I contacted Chase Sapphire. Though I used my card to put a deposit down, Chase won't cover anything since I didn't use the card to pay in full (extended warranty paid it).

I have been advised that I can call my local Enterprise in a few days to ask how many days I'll be charged for loss of use. I will be contacted by MAIL in 3 weeks by the Damage Recovery Unit with final numbers etc.

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 05:00:09 AM
g: 0 Posted By: jpfulton
Views: 22 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

I took my car into the dealer last week for repair. Extended warranty covers vehicle rental for me. I went to Enterprise and got a vehicle which I then promptly backed into a building and caused bumper damage. I chose not to get Enterprise's insurance.

I talked to a collision shop before turning the vehicle in and he said that I would need a brand new bumper put in. No way to repair the existing bumper (Ram 1500 chrome bumper). Cost would be $635. I decided to wait until I turned the vehicle in and see what they said. They had me fill out an incident report and give them $500 on the spot which is equivalent to my insurance deductible EVEN THOUGH I hadn't yet decided to put it through insurance. Enterprise called me a couple days later to tell me what the collision shop would charge (technically I called them a few days in a row before I finally got them info). Shop wanted $533. If the true final cost was $533 then I would just pay out of pocket. Problem is that there will also be an administrative fee. No one can commit to exactly what that will be. There will also be a daily loss of use fee. No one can commit to what that will be per day nor how many days I'll be charge. Basically I'm estimating a total of $652. AAA cannot commit to whether loss of use and/or the administrative fee will be covered --- I suspect not but they can't tell me until I file a claim and I'm contacted by a claim handler. Also, in my research I have found that under $500 in damage is a $50 admin fee, over $500 is a $100 fee. I can't help but think that the collision shop's estimate being just over $500 is not random chance (I have read online about other's experience with this). I contacted Chase Sapphire. Though I used my card to put a deposit down, Chase won't cover anything since I didn't use the card to pay in full (extended warranty paid it).

I have been advised that I can call my local Enterprise in a few days to ask how many days I'll be charged for loss of use. I will be contacted by MAIL in 3 weeks by the Damage Recovery Unit with final numbers etc.

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
401k Investment Options
Added on : Sunday July 06th 2014 09:00:11 AM
g: 0 Posted By: furlongce
Views: 77 Replies: 0 I need to decide where to put my investments in my 401k. I have always been a fan of the Vanguard LifeStrategy Growth Fund, but unfortunately that is not an option. The 401k is with fidelity, and I have to choose between the following:
Name Ticker Symbol Fund Code Fidelity Money Market Trust Retirement Money Market Portfolio FRTXX 0630 DFA Inflation-Protected Securities Portfolio Institutional Class DIPSX OUTW American Century Investments Government Bond Fund Investor Class CPTNX OLAG PIMCO Total Return Fund Institutional Class PTTRX OF1P Vanguard Total Bond Market Index Fund Signal Shares VBTSX OKVY . MFS Massachusetts Investors Trust Class R3 MITHX OUCL Vanguard Institutional Index Fund Institutional Shares VINIX OFVH Fidelity Low-Priced Stock Fund FLPSX 0316 Spartan Extended Market Index Fund - Fidelity Advantage Class FSEVX 1521 Wells Fargo Advantage Small Cap Value Fund Institutional Class WFSVX OKWB Fidelity Contrafund FCNTX 0022 Neuberger Berman Socially Responsive Fund Institutional Class NBSLX OLEA Morgan Stanley Institutional Mid Cap Growth Fund Class I MPEGX OFMW American Funds EuroPacific Growth Fund Class R-5 RERFX OQVQ Invesco Developing Markets Fund R5 Class GTDIX OUAW Spartan International Index Fund - Fidelity Advantage Class FSIVX 1522 Cohen & Steers Institutional Realty Shares CSRIX OSQO Ivy Science and Technology Fund Class I ISTIX OLSZ PIMCO CommodityRealReturn Strategy Fund Institutional Class PCRIX OSCV T. Rowe Price Health Sciences Fund PRHSX OFN1 Fidelity BrokerageLink BLNK

Fidelity Freedom Index Income Fund - Class W FIKFX 2216
I would like to choose funds that would imitate the Vanguard LifeStrategy Growth Fund. What would you recommend? I am also having to decide whether or not to open a traditional 401k or a ROTH 401k. I will be contributing to a ROTH ira (LifeStrategy Growth Fund) in addition to whichever 401k option I decide to go with.


Thanks in advance for your time and help, I appreciate it.

- Chris

Investing Deals
g: 0 Posted By: ctgolfer
Views: 84 Replies: 0 RAVPower Deluxe 14000mAh External Battery Pack Portable Power Bank Charger for Tablet, Smartphone and most of the mobile device with DC 5V input.

Power at your fingertips
The RAVPower 14000mAh use high quality Samsung Li-Ion batteries provide over 500 recharge cycles. Giving you not only the best in quality, but also the best in value!

You to decide what device to charge and when
Our 5V RAVPower battery charger has 2 USB ports to allow for multiple device charges. You can rapidly charge your tablet and iPhone/Smart phone at the same time.

Design
We always strive to keep our battery packs looking sleak and made from the highest quality parts. Our RAVPower 14000mAh is offered with a black matte finish that is fingerprint and light scratch proof. And, lastly, it has a full functioning flashlight for those times when you're stumbling in the dark!

Specification:
Capacity: 14000mAh
Input: DC 5V/1A (Standard Micro USB Port)
Output: DC 5V/3.1A (2A+1A)
Warranty: 12 Months Warranty

Compatibility:
- iPad 4 3 2,iPad Mini, iPhone 5 4S 4,iPod (please use the original 8Pin/30Pin Cable from Apple)
- 1 x Micro USB Connector:
SmartPhones: Samsung/HTC/LG/Motorola/BlackBerry/Nokia/Sony...
Tablets & eReader:Google Nexus 7/Nexus 10
- 1 x Samsung 30pin Connector: Galaxy Tab, Galaxy Tab 2,Galaxy Note
- 1 x Mini USB Connector : some cell phone, MP3, MP4, digital camera, and other with mini USB slot digital devices
- 1 x Nokia DC 2.0 Connector: Nokia cell phone with DC 2.0 port

Package Included:
- 1 * RAVPower RP-PB13 PowerBank
- 2 * Coiled cables
- 4*Connectors ( Micro USB, Mini USB, Nokia DC 2.0, Samsung 30 pins)
- 1 * User Guide
- 1 * Travel pouch

www.newegg.com/Product/Product.aspx?Item=0SC-000Y-00061
Want to buy new car
Added on : Saturday July 05th 2014 02:00:02 AM
g: 0 Posted By: jagan164
Views: 62 Replies: 0 Hi,

I am looking to buy a new car. Getting confused on what to buy SUV vs Sedan ! Fyi- I have a 2 year old kid. Unable to decide b/w Honda CRV and Camry. Appreciate your suggestions and also any suggestions on taking lease vs Buy . I am open to both. Also what is the best price range to pay for XLE ( need leather interior)

Many thanks
Free steam key for Woodle Tree Adventures
Added on : Wednesday July 02nd 2014 02:00:06 PM
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.indiegala.com/giveaways

After the big success we had with the Afterfall Insanity - Extended Edition giveaway and after a lot of requests from our friends and fans, we decided to offer you another fantastic game on Indie Gala, this time giving you for FREE Woodle Tree Adventures, an old school platform game with a catchy and unique art style!

Required Steps *
Join IndieGala STEAM GROUP *
Enter your email address in the textbox. *
Fill in the recaptcha. *
Click the SUBMIT button! *
Totally Free Deals
Load fee funds through employer retirement plans
Added on : Wednesday July 02nd 2014 08:00:11 AM
g: 2 Posted By: kenyanboy
Views: 127 Replies: 7 FWFers,

I'm a Bogleheads lazy portfolios follower, investing in Vanguard no-load, low expense ratio funds, through my employer 401(k) plan. However, this is about kenyangirl, aka ze wife. I've searched the FWF finance forums and learn a lot about this category. Thank you contributors!

Her employer plan (IRA) offers a 100% match on her first 3% contribution. However, the IRA is through American Funds, and is offering Class-A and Class-C funds, which have load fees aka sales charges, plus high expense ratios. (It's a small company and the owner's friend is a fund chappie, hence you know how the story goes).

I'm against the wife investing through American funds as their Class A sales charges are 5.75%. The Class-A expense ratios range from 0.58% to 1.13%, with the average being 0.70% over the various asset classes (excepot money-market funds). Class C has a 1% sales charge if sold in the first year, but ER are over 1.3%. Her opinion is that since she's getting a 100% match, this will offset the load fees(she won't be contributing any more since we diversify our investments through local RE, etc).

What has your experience been with fee-loaded funds through employers, when you don't have any other choice? Do you take the free money and absorb the high costs, or do you decide to not participate and open a Roth IRA?
Investing Deals
Surprising / Interesting Business Deductions
Added on : Tuesday July 01st 2014 05:00:05 PM
g: 2 Posted By: robronson
Views: 195 Replies: 2 Being an independent contractor traveling consultant, I look for ways to max out possible business expenses. I'm not interested in ethics, only what's legal. Nothing is ethical about how taxation works so it's just a matter of following the rules to your most advantage.

As such, I've come up with a handful of neat ideas for business deductions and I'd like to hear from others with interesting ideas:

1) Do your dry cleaning at your customer site, if you travel to a dedicated customer over long periods of time. I used to take my dry cleaning home with me every weekend, and pay extra for my local dry cleaner to expedite overnight service on Friday so it'd be ready for my flight back to the customer on Sunday. Then I learned if I had my dry cleaning done at my customer, it was a business expense, tax deduction, and more importantly, my clothes would be wrinkle-free waiting for me when I flew back. Of course, you should still travel with one pair of business clothes for one day, just in case you can't pick them up first thing Monday morning or in case of a problem. Dry cleaning is NOT a business expense if it's done in your home city, but is when you do it out-of-state at your client site.

2) Switch to a prepaid phone that bills by the minute like a 10 cents per minute plan as your personal phone, and get an unlimited minutes plan for your "business phone". Your business phone will be fully tax deductible, and your personal phone, even though you're not really paying for it if you don't use minutes, is proof to the IRS during an audit that your business phone is strictly business and your personal phone is strictly personal. Much like cars as a business expense, it's better to have a second dedicated to personal use, even if it's a cheap POS beater, so you can deduct 100% of the business car or phone.

3) Do personal errands while traveling for business. Your gas mileage is deductible when driving for business. So why not do your grocery shopping and other errands on the same trip? Then the gas is deductible at 50+ cents per mile, which, if you're driving a fuel efficient vehicle, is double your actual expense. So assuming 50% tax bracket between state, federal, and SE tax, if you're only spending half of the allowable IRS rate on fuel, then the tax break on the trip makes it completely free.

I'm considering buying other things while on business trips such as deodorant and toothpaste. I haven't looked into the rules deeply enough, but I imagine if I buy toothpaste while traveling for work, it may be a business expense. Suppose the airliner lost my luggage and I had to buy more... certainly in that case re-buying hygiene products is a business necessity for me to complete that travel. I wonder what the IRS guidelines are to decide what exactly qualifies.

What tips and tricks for maximizing business deductions have you found?

Discussion Deals
g: 0 Posted By: VegasVegan
Views: 127 Replies: 0 Free Oil Change for Veterans and Active Military 7/9/2014 @ Tire Rama
http://www.tirerama.com/promotions/
5-7pm Wed. July 9th

Locations

"On Wednesday, July 9th, 2014 from 5 pm to 7pm, Tire-Rama Corporation of Billings, MT will offer a free oil change to Active Duty and Veteran Military men and women at all 45 Tire-Rama locations across Montana, Idaho, Washington and Wyoming.

Dave Wehr, President and CEO of Tire-Rama Corporation said, Because of the resounding success of this event in 2013, we have decided to expand this years event across our 4 state service area. This is a great way for Tire-Rama to express our gratitude to all servicemen and women."
Services Deals
Expected ER wait times
Added on : Monday June 30th 2014 01:00:08 PM
g: -2 Posted By: legendarybarney
Views: 107 Replies: 7 When walking into an ER, what sort of wait time should I expect for a first look by a triage nurse in a quiet small city suburb?

The reason I ask is that my 2-year old son was brought to the ER near our home with a cut that was bleeding rather profusely. She was told to wait while he continued to bleed. When she asked for towels to help control the bleeding, she was told to use the paper towels in the bathroom. After 1.5 hours of waiting she decided to go to another facility because she saw people that came in after her were being taken in before our son.

She probably should have talked to the receptionist, but the lady was snippy with other people who approached her. Being afraid of being pushed lower down the list, she did not approach the lady. She is a bit of a hot head and her mouth can get her in trouble. Thinking about our son she kept quiet.

Everything web went fine at the other location. Son is back home and recuperating. I am just curious what sort of expectations are from an ER? Are there laws that govern wait times?
Question Deals
Promotion at work
Added on : Friday June 27th 2014 01:00:08 PM
g: 0 Posted By: californication
Views: 42 Replies: 3 I was offered a promotion at work yesterday. I had already decided to go back to school this fall for another degree. I wouldn't be able to work part time in my current position. Should I accept the promotion and work until school starts or let them know of my intentions now? I am fairly certain I will be let go if I do not accept. A similar situation happened to a past coworker and they showed her the door. I will have a part time departmental job on campus, but it won't start until September and don't want to go that long without some sort of income. Any advice would be appreciated.
New User Question Deals
Lowe's Coupon Thread
Added on : Thursday June 26th 2014 09:00:06 AM
g: 2 Posted By: SieSilverStars
Views: 204 Replies: 0 Hey guys! I've decided to put this thread together so we can all take advantage of the Lowe's coupon codes that keep running around. We can put them all together and make them into one big thread. I'm going to try to keep this up to date for everyone. Please feel free to post any good coupon codes or offers that are not listed. You can add it in the forums or to the member summary!

We have a whole bunch of other store threads on our Official "Store Coupons & Clearance Master Thread", but I noticed there's not one for Lowe's in there.

47000LOWES9077S - $10.00 Off $50.00 Purchase

47000LOWES2406S - 10% Off Entire Purchase

47000RRRRR2404O - 10% Off Entire Purchase

470000000024040 - 10% Off Entire Purchase

4700RRRRR2404R - 10% Off Entire Purchase

47000LOWES9094S - $25.00 Off $250.00 Purchase



Here's the Lowe's website link,you can start shopping now!


Need to find a Lowe's store near you? Here's the store locator.

Here's the most recent weekly ad we have.

(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted)
Home & Garden Deals

Lowe's Coupons
Rental Property as a Primary Residence
Added on : Wednesday June 25th 2014 06:00:08 PM
g: 0 Posted By: andresaur
Views: 6 Replies: 0 Hi Guys,

Hoping for some simple straight from experts like you. Let say I am buying a rental property with non-occupant loan (higher rate of course) but decide not to rent it out but live in it - would this be illegal?


Thank you,
g: 0 Posted By: SieSilverStars
Views: 263 Replies: 0 Today only, the Sears Outlet is offering a FREE Ladie's Apparel Item - No Purchase Necessary.

Printable Coupon Link

Click here to find a store near you.

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Specific mortgage request, Loan officers please review
Added on : Friday June 20th 2014 04:00:13 AM
g: 0 Posted By: SoCalJohn
Views: 31 Replies: 0 Much to my dismay, my wife has decided that she wants a bigger house with a bigger yard. I currently own 2 houses in the same city, I will have to cashout both houses to come up with the downpayment for the new house and possibly sell one or both after acquiring the new mortgage.

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

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

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

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

Thanks for any help

Properties are all located in Southern California, Primary is SFR
Personal Finance Deals
banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
Free Kindle Book - Contact Aliens Within 30 Days. A 2014 How to Guide
Added on : Wednesday June 18th 2014 05:00:11 AM
g: 0 Posted By: remick
Views: 71 Replies: 0 http://www.amazon.com/gp/product/B00K4ASH1U/

We've all had alien contact. All 7 billion of us. We just don't remember it.

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This title is not for everyone and it is absolutely necessary that you wish to meet aliens out of a curiosity or excitement, not a need. You need to have an extremely positive and happy outlook, and so the guide is written with this in mind, and assists in getting your joy level even higher.

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Totally Free Deals
g: 0 Posted By: slovell
Views: 150 Replies: 5 Around 4-5 years ago, we were going to do a cash out refi with Oxford Lending. The day that we were supposed to attend the closing, an employee from Oxford called to tell us that our loan would not be going through. He said that underwriting had taken a second look & decided not to approve our appraisal after all because there hadn't been a comparable house sold in our area in the last 3 months (we live in a very rural area). We were shocked, but this guy had been inefficient from the start. We dropped the plan to refi. Fast forward to now & we were offered a rate reduction from Chase (our original mortgage co.) We decided to go ahead with the process due to it being no cost. We were shocked when their underwriting called & told us that we had a $1000 bill with the local title company that was scheduled to close the previous loan. They recommend that I call them. When I contacted them, they stated that it was due to such things as abstracting fees, attorney opinions etc. I was shocked & couldn't believe they hadn't contacted us earlier or why Oxford Lending had even had those things done if they weren't going to proceed with the loan. My question is, are we legally responsible for these fees? If not, is there anyway to make Oxford pay them?
New User Question Deals
Is Buying A Condo Ever a Good Idea? When?
Added on : Sunday June 15th 2014 06:00:08 PM
g: 0 Posted By: robronson
Views: 16 Replies: 0 We know that in general, buying a condo is a terrible idea. a few highlight bullet points:

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

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

Tell me, FWF, when does buying a condo make sense?
Free Fathers Day iPhone Case - 1st 3,000
Added on : Sunday June 15th 2014 12:00:12 PM
g: 0 Posted By: remick
Views: 37 Replies: 0 https://www.surveymonkey.com/s/8PJSSF8

If we make it to 3000 shares, we will send out an email with a coupon code for the case, and a link directing you to the purchase page! The code will be sent out approximately 8 weeks after the close of this giveaway. The cases will be given out on a first come first serve basis so be sure to act fast!

To say thank you to all those wonderful dads out there we decided to bring back the Sign Up. Share. WIN! Giveaway!!
If this Fathers Day inspired design gets 3000 shares, we'll giveaway 3000 FREE Fathers Day Cases! Just click the link below to sign up!
In order to qualify for a free case you must SHARE and be SIGNED UP.
We have until Tuesday June 17th to reach our goal. Lets Get Sharing!!
Sign up HERE! https://www.surveymonkey.com/s/8PJSSF8
Electronics Deals
Chuck E. Cheese: Free Tokens For Reading! with pizza purchase
Added on : Sunday June 15th 2014 03:00:05 AM
g: 0 Posted By: puggle
Views: 173 Replies: 1 Chuck E. Cheese's was founded by Nolan Bushnell (founder of Atari & Pong), in May 1977. The first Chuck E. Cheese's was located on Winchester Boulevard, in San Jose, California. The concept for Chuck E. Cheese's evolved from Mr. Bushnell's belief that there were not enough places where young people could go to play video games that had a family atmosphere.In 1984 the parent company to Chuck E. Cheese's, Pizza Time Theatre Inc. was purchased by their direct competitor at the time Showbiz Pizza. A few years later it was decided to change the Target audience to focus specifically on families with young kids. Both the Chuck E. Cheese's and ShowBiz names continued to be used until 1992, when Chuck E. Cheese's Pizza became the name for all of the restaurants.Today, their mission is simple, bring families together in a wholesome environment for fun, games and kids. Chuck E. Cheese's consists of over 500 entertainment centers in 48 states and 6 countries.Print and redeem the certificate and get 10 free tokens for summer reading. No more than 1 of any free token offer can be used per child, per day. Only at participating locations. Pizza purchase is required.Offer expires 12/31/14.
http://www.swaggrabber.com/freebies-all/chuck-e-cheese-free-toke...
Food & Grocery Deals
Chuck E. Cheese: Free Tokens For Reading!
Added on : Saturday June 14th 2014 07:00:12 PM
g: 0 Posted By: puggle
Views: 43 Replies: 0 Chuck E. Cheese's was founded by Nolan Bushnell (founder of Atari & Pong), in May 1977. The first Chuck E. Cheese's was located on Winchester Boulevard, in San Jose, California. The concept for Chuck E. Cheese's evolved from Mr. Bushnell's belief that there were not enough places where young people could go to play video games that had a family atmosphere.In 1984 the parent company to Chuck E. Cheese's, Pizza Time Theatre Inc. was purchased by their direct competitor at the time Showbiz Pizza. A few years later it was decided to change the Target audience to focus specifically on families with young kids. Both the Chuck E. Cheese's and ShowBiz names continued to be used until 1992, when Chuck E. Cheese's Pizza became the name for all of the restaurants.Today, their mission is simple, bring families together in a wholesome environment for fun, games and kids. Chuck E. Cheese's consists of over 500 entertainment centers in 48 states and 6 countries.Print and redeem the certificate and get 10 free tokens for summer reading. No more than 1 of any free token offer can be used per child, per day. Only at participating locations. Pizza purchase is required.Offer expires 12/31/14.
http://www.swaggrabber.com/freebies-all/chuck-e-cheese-free-toke...
Food & Grocery Deals
private student loans without income?
Added on : Friday June 13th 2014 12:00:09 PM
g: 0 Posted By: hchang9
Views: 87 Replies: 3 Hi guys. I was wondering if anyone knew of any private student loans without a cosigner or income verification. This is for my girlfriend who decided to back to school. She's attending a public university, but the grants and loans (maxed both subsidized and unsubsidized loans) provided by FAFSA isn't enough to cover her living expenses. She's works during the week while attending school at the same time trying to make ends meet, but I think she might break soon. We tried looking for a private lender, but she doesn't make enough money from her side job to qualify for a private loan. Her family members either have poor credit or are unwilling to cosign. I am a student myself and don't have the income to cosign for her. Her credit is between 650 and 700 right now. Any ideas out there?
Question Deals
g: 0 Posted By: j129
Views: 105 Replies: 0 A little backstory.
I am a foreign Medical graduate with a green card (will get my citizenship later this year).
I've decided that I don't want to pursue medicine as a career. I want to try something Managerial and based on research, have decided to do a Masters in HealthCare Administration.
All that I've read, seems to say that this is a growing career path with a lot of potential.

My financial situation.
Used to work as a pharmacy tech while I was preparing for the USMLE,but after a lot of procrastination and doubtI have finally decided that I didn't want to take the USMLE.
I don't want to be a doctor.
I don't have much saved (been in the US of A for 3 years), have about $4k in my bank account.
Live with my parents but I don't ask them for any money. They put a roof over my head and food on the table for no cost, and that is more than enough for me.

Plans for the future.
After spending a lot of time trying to figure out what I want to do with my life (am also really interested in stuff like Advertising, Media, things of that nature, but have no idea how to get into that, since I don't have any background in media whatsoever)
and decided on the MHA program.
I live in CT and there are two universities here that offer the MHA program.
The one that I like is the University of New Haven.

The cost is $825 per credit (42 credits) = $34,650. I have spoken to the Financial Aid officer at the university and he told me that I can easily get a Federal Direct Unsubsidized Student Loan (and it's not need based).
FA can pay a maximum of $20,500 per year, so for the first year (27 credits = $22,275) I'd be short a few thousand + cost of books. So there's another loan called the Graduate Plus Loan that I can get, which will pay for the rest.
Interest Rate for the former loan is 6.21% and for the latter is 7.21%.

My questions.

1. Is financial aid taxable?

2. The Median salary for someone with a Masters in Healthcare administration is about $70-80,000. A faculty member I spoke to, said that I should easily be able to start off with a $55,000 salary at least. And it'll go upwards from there.
Does taking a loan of $40,000 (assuming books etc) make sense?

3. Hoping to get an assistantship that'll cut the tuition cost by 50%. If it does get cut, would it be possible for me to hold on to the surplus FA I'm getting? Because....

4.. I'm single right now...But the plan is to get married next year. Yes...I won't have a permanent job, and I know all the problems I'll face getting married before I'm able to stand on my own feet, but it's complicated and it needs to happen by next year, or it'll never happen.
My fiance will not move here until she received her green card, and that's not going to happen till we get married, so it's going to be a while before she comes here, and hopefully by then, I'll be really close to completing. (Begins in Sept 2014. Ends in March 2016).
Iwill need about $15k..if I save that from FA, can i just use that? The reasoning behind that being, that I would not have to pay off the loan till 6 months after I graduate giving me enough time to find a job and start paying it off.
As opposed to taking a personal loan (also something I know nothing about) but which I think, I'd have to pay back sooner and the interest rate would be higher?

4. Do local universities carry more weight in their home towns? I asked local folk. Friends of my mother from church, and they all seem to have a high opinion of the University of New Haven.
It is ranked #101 here.I couldn't find a ranking for it's MHA program but I've heard that a lot of universities pay for these rankings so I don't know how much attention to pay to it.
I guess my main worry is, is it worth it? Am I getting into something that's not good for me?

5. A friend I know from medical university who later moved here to do her Masters in Public Health (she was always passionate about it), says that in her opinion $35k is a lot (no subsidized in-state costs because UNH is private) and if I'm spending that much, I'd rather go to a better university.
Problem with that reasoning is, that I'd have to move to a different state. Have to take a bigger loan to pay for housing and food and end up in even more debt. It's easy for her to say because her tuition was paid for by her parents.
But what do you guys think?

6. What's a better way to get jobs? Networking or interning? I have no problem doing tons of internships but I would rather try and find some part time work that'll put some money in my pocket.

I would highly appreciate any help that I can get.
I never went to high school or undergraduate college in the U.S so I really don't know how all this functions.
Would appreciate any suggestions, ideas that you'd provide.

Thank you.
Personal Finance Deals
g: 0 Posted By: BenH
Views: 190 Replies: 2 Situation:
I have an interesting situation where another unit owner may have family members interested in moving to the area. Because of various (some obvious) reasons, they would prefer to live as close as possible, ideally in our building. At this point, there has only been a query from neighbor of "are you still looking to sell soon?" with the explanation above. At this point, I have not talked to her family members or have any idea of their real interest.

Background:
I'm wanting to sell my city Condo to move out to a SFH in the burbs. We've been wanting to do it for a year or two now, but haven't really gotten around to looking in earnest. We can probably be in here for another year before things start getting cramped. Realistically, we could probably stay 2-3 more years here if required - but after that I think we need to start looking at an area with schools above the 30% mark.

The unit is one of 8 in the building and the last unit sold (across the hall, identical to mine, though maybe not as in good condition) for about 70% of the value I paid for my unit in 2006. Part of the reason it sold so cheap was that it was a foreclosure. Currently, all the units in the building are sold and about half are owner occupied - the rest are rented. One other unit sold at foreclosure about a year or two previously. Other units went up for sale, but the owners decided to keep them as rentals since likely they didn't get their asking price within the short time frame they were trying to sell (all were moving out of state).
Additionally, rent in this area is pretty high and I can probably rent my unit for my costs, but I don't believe I would clear more than say $3-4k a year. I am not really interested in the hassle of being a land lord or the possible extra expenses that may wipe out my yearly take as well as the complications of two mortgages on properties this high.

Challenges:
All being said, it would be extremely convenient for us to have a willing buyer with an extra incentive to have *our* place (or at least one in the building). Likely they would have an elastic schedule, as I believe this will be a second home, which may make things easier for us.
Of course, I'm not willing to just give them an awesome price just because I'm being approached in this manner. But, it does give me some incentive.

I know I'm not going to recoup the total investment in the condo. But, the first thing I am trying to figure out is what is the real value of the property? I obviously think it is worth more than what the foreclosure sold for.
Zillow's Zestimate of my place is about 10% higher than the foreclosure sold for, however it alsoshows the value of the recently sold foreclosed unit for 15% less than what it actually foreclosed for.
I've seen some other indicators that the value maybe 20-25% higher than what the foreclosure sold for, so I have no idea what to trust.

I'm also under the impression that I could take an offer slightly below market value because no realtors are involved (at least I don't think they will need to be). Is that a smart way to think? I realize I can always sell at any time without a realtor, but in this case all the work and challenges of that are taken care of.

In short, I'm interested to make an attractive price and sell since it gives me the incentive to move right now without a lot of the hassle. But, I don't want to take significantly less than market value (whatever that means).

A further possible complication is that there are 4 units in the building which are currently being rented. I wouldn't be surprised if they attempt to make contact with the other units owner's to gauge their interest in selling instead of continuing to rent. My only advantage here is that the other units have leases for renters right now but if these people are flexible they might not mind waiting say 6 months to get another unit at a substantial savings. OTOH, some of these units have been rented for 2-3 years and I have the feeling those owners are looking to hold on to the units as long as possible to try and recoup their initial costs - or - some of them were purchased at a lower price than mine (with a better rate) that makes them more attractive for rental opportunities.

Any advice on how to approach this is appreciated. It may be a few weeks before I know how serious the potential buyers are - but I'd like to be prepared when that time comes.
Personal Finance Deals
how to dispose clunker for top dollar
Added on : Tuesday June 10th 2014 12:00:11 PM
g: 0 Posted By: bobaldie
Views: 110 Replies: 5 My 01 Altima, single owner is currently with 120k and good body. Recent service visit mechanic said one cylinder is bad and have to replace engine. 120k is nothing for this car but replacing engine is not worth in my opinion.
While service engine light on, how can i get a top dollar for it?

I know i have to buy another car - surely used one - but not decided if i will buy from a dealer.
Question Deals
Traavel Plans
Added on : Monday June 09th 2014 05:00:13 AM
g: 0 Posted By: scorpio0414
Views: 68 Replies: 0 Hi,
We are planning to travel to California and Nevada this August 22nd and coming back on 3rd. We are planning to travel from Philadelphia to Las Vegas and then drive to San Francisco or Oakland. Our initial plan was to fly from Philadelphia to Oakland and then drive to LasVegas and then back to Philadelphia. But the car rental in San Francisco or Oakland is very costly. So , we decided to fly to Vegas instead and then drive to San Francisco as car rentals are cheap in Vegas. We are a family of four two adults and two kids ages 11 and 5 . We would really like to use our time to the maximum and see places and spend time together as a family cause these are memories. We really appreciate any suggestions like good places to stay and things for kids to see about how to make this a fun and budget friendly trip. Thank you.
Discussion Deals
Star Trek Enterprise Plush Dog Chew Toy for $7.99 @ Thinkgeek.com
Added on : Monday June 09th 2014 04:00:09 AM
g: 0 Posted By: Deals4mykids
Views: 171 Replies: 1 http://www.thinkgeek.com/product/15f4/

Original Price: $14.99 (save 47%)

Dogs (especially puppies) like to chew. And it's always better to give them something you want them to chew on instead of letting them decide what to chew on. That makes this perfect for pups who eye your Star Trek Enterprise Plush longingly. Dogs can have hours of fun chomping on this Enterprise with no danger to the canine or your stuff.

Enterprise dog chew toy for fans of ST:TOS
Officially-licensed Star Trek: The Original Series merchandise
For your own personal Porthos, Butler, or Alfa 177 canine
Perfect for pups who eye your Star Trek Enterprise Plush longingly
Heat-transferred vinyl details
3 braided fleece warp trails for tugging
Squeaker in the saucer section
Materials: Polyester / cotton, nylon, and polyester styrene with polyester fiberfill, with nylon squeaker in saucer section
Care Instructions: Machine wash cold and air dry
Dimensions: 14" long including warp trails, 5" tall, 5" diameter saucer section
Pets Deals

ThinkGeek Coupons
g: 0 Posted By: remick
Views: 99 Replies: 0 http://www.amazon.com/gp/product/B00JQR1EGM/

Are you sick of paying rent? Unable to buy your own home? Facing eviction or foreclosure? Or do you simply want the freedom to move freely or travel? Then living fulltime in an RV might be for you! This book was written by a single woman who quit her day job, and did just that. It's designed to help you get started; help you decide which type of RV is right for you, some of the basic workings of living with an RV, finding places to park, and also, ideas on how to earn a living on the road.
Totally Free Deals
ON SALE: Alessi - Caccia - Cutlery Set for 1 person (6 pc.)
Added on : Saturday June 07th 2014 09:00:05 AM
This beautiful set by Alessi is part of the Caccia collection designed by Luigi Caccia Dominioni. This design was originally created in 1938 but Alessi decided to put it back in production, because today it represents a milestone of the creative Alessi process. The set has 6 pieces: 1 table spoon, 1 table fork, 1 table knife, 1 dessert fork,1 dessert knife, 1 coffee spoon. Made in Italy
How to "maximize" closing costs in a full cash house purchase
Added on : Friday June 06th 2014 07:00:03 PM
g: 0 Posted By: lutgaya
Views: 37 Replies: 2 I'm buying a house and working with a realtor who Agreed to share The Commission with me At closing. This commission can be applied toward the closing costs to minimize the complexity. Problem is that I decided to buy the house in cash and there are negligible closing costs. What kind of costs I can add toward closing other than home insurance and may be home warranty to maximize my commission credits?
Personal Finance Deals
g: 3 Posted By: remick
Views: 203 Replies: 0 182 Free Things To Do In New York City: The Best Free Museums, Sightseeing Attractions, Events, Music, Galleries, Outdoor Activities, Theatre, Family Fun, ... & Tours In NYC
http://www.amazon.com/182-Free-Things-York-City-ebook/dp/B00JG5I...

WHATS NEW IN 2014

Im really excited for this, the third edition of this book. Every year it just gets better, and for 2014, Ive expanded the descriptions, added more great photos, and increased the number of entries, including over 70 places to get free food and drink.
This really is the best available guide on whats free or how to get it for free -- in the best City in the world.
When I first moved to New York, I was so broke I couldnt pay attention. I had no choice but to seek out all thats great and free in the big city. It was all right there in front of me, and I wasnt going to let it pass me by just because I couldnt pay for it!
I found that there are tons and tons and TONS of great things to do in New York that wont cost you a dime. With this book, you have access to the best of whats free, compiled into one reference.
You could be in the know, doing 100% FREE, yet fun and rewarding, activities such as:

- Free Kayak Rentals on the Hudson River
- Free performances including jazz, rock shows, plays, spoken word, beat boxing, dance comedy, word beat, blues, experimental artists, the list goes on!
- List of the best free museums and art galleries from the Village to Harlem
- Free T.V. show tapings
- Free movies, festivals, and more entertainment
- Free food and drinks
- Free kids activities

For example, many know about Shakespeare In The Park, but have you ever heard about the hilarious (and free) Upright Citizens Brigade Theatre? Its a free comedy show with many Saturday Night Live alum.

WHY THIS E-GUIDEBOOK IS DIFFERENT
This book is not about discount travel. Its about FREE travel.

- It only includes free activities, events, locations & attractions. It tells you how to get in to many paid attractions and events for free.
- Its exclusively formatted for the Kindle and Kindle App
- Its interactive, so you can easily access directions from your current location, reviews from other travelers, and more information entries in the book.

WHAT YOULL FIND INSIDE
Each entry has a well-researched description, contact information (email, phone, website), and links to contextual information. Color photos too!
It works great with the Kindle App for your smartphone, so you can get directions from Google.
Theres an interactive map, showing you all the free activities and an appendix with free trip planning tools, apps, etc.

TABLE OF CONTENTS

1. Introduction
2. Interactive Map
3. Free Music & Entertainment
4. Free Museums
5. Free Art, Literature, and Architecture
6. Free Outdoor Activities
7. Free Theater, and Dance
8. Free Kids & Family Activities
9. Free Festivals, Street Fairs and Parades
10. Free Tours & Walks
11. Free Food & Drink
12. Free Transportation and Parking
13. Markets, Stores With Free Things & Window Shopping
14. Free Things To Do With Pets
15. Free WIFI
16. Free Tip Planning Resources
17. About The Author



Your Own Personal New Orleans Tour (Travel Guide): Seven Things You Must Do To Have A Fabulous Time In The Crescent City -- A guide for visitors and locals alike
http://www.amazon.com/dp/B00BKDG1CM

NO WADING THROUGH LIST AFTER LIST of suggestions like your typical Fodor's or Lonely Planet, this travel book was put together by a full-fledged local who knows the best places to go to have an authentic New Orleans experience.

THIS GUIDE INCLUDES RECOMMENDATIONS FOR:
* the best restaurants with the most delicious food authentic New Orleans food,
* elegant hotels in all price ranges,
* great bars for fantastic libations,
* insider sightseeing tips,
* popular music venues
* and other fine suggestions on how to have an all around memorable time in the Crescent City.



A Hawaiian Family Vacation: Oahu
http://www.amazon.com/A-Hawaiian-Family-Vacation-Oahu-ebook/dp/B...

What would a woman who grew up in Hawaii show her mainland-born husband and son when they visited Oahu? A former Honolulu resident profiles various beaches, tourist sights, and different types of local food in a new Amazon ebook.

A Hawaiian Family Vacation: Oahu is a virtual scrapbook, with photos and commentary of various Oahu destinations. Barbara Lougheed was born and raised in Honolulu, graduated from the University of Hawaii, moved to the mainland, and married a mainlander. After her son was born and was old enough to travel, she had to plan her first visit back home and decide what to show her mainland born husband and son. She came back to visit every few years, and her new ebook is a summary of the places they visited and the foods they ate. Readers benefit from a different point of view than other travel guidebooks.

Photos and reviews of famous locations like Waikiki and Hanauma Bay are included, but so are other lesser-known areas like Chinatown and Hoomaluhia Botanical Garden. See her son jumping off the rock at Waimea Bay on the North Shore, posing with a turtle at Turtle Beach, eating Waiola shave ice in Kapahulu, hanging from a Banyan tree in Kapiolani Park, ringing the bell and feeding the fish at Byodo-In Temple in Kaneohe, and swimming to Flat Island at Kailua Beach.

Dining reviews cover the local plate lunch, along with other locations serving Chinese, Korean, and Hawaiian food, Pacific Rim cuisine, supermarket deli food, a shrimp truck on the North Shore, and even mochi ice cream.

Choosing a Hawaiian Island to Visit, the last section in the book, details the differences between the Hawaiian Islands, so visitors can decide for themselves which island best suits them. Kauai, Oahu, Maui, and The Big Island of Hawaii differ in population, types of beaches, activities, and ambience, but visitors may not be aware of these differences.



Destinations: The Chicago Tribune Guide to Vacations and Getaways
http://www.amazon.com/Destinations-Chicago-Tribune-Vacations-Get...

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

The Must Sees of Seoul
http://www.amazon.com/Must-Sees-Seoul-Bravo-Your-ebook/dp/B00FJD...

Top Ten Sights: Sorrento
http://www.amazon.com/Top-Ten-Sights-Mark-Jones-ebook/dp/B00K98R...

Top Ten Sights: Dubrovnik
http://www.amazon.com/Top-Ten-Sights-Mark-Jones-ebook/dp/B00K989...

Italy Luxury: Family Hotels & Resorts
http://www.amazon.com/Italy-Luxury-Family-Hotels-Resorts-ebook/d...

Montmartre Neighborhood Guide
http://www.amazon.com/Montmartre-Neighborhood-Guide-Bravo-Your-e...

Havana Tips and Tricks: Interesting Facts and Tips On Havana And Cuba
http://www.amazon.com/Havana-Tips-Tricks-Interesting-Facts-ebook...

Retiring to the Philippines
http://www.amazon.com/Retiring-Philippines-Travel-Expatriates-Ex...

Ten Must-See Sights: Istanbul
http://www.amazon.com/Ten-Must-See-Sights-Mark-Green-ebook/dp/B0...

Books & Magazines Deals
Skip seller agent and talk to home seller directly?
Added on : Wednesday June 04th 2014 03:00:08 PM
g: -2 Posted By: dxulab
Views: 150 Replies: 4 It's a new build. Seller's agent is a bit hard to work with. Is it ok to contact the builder directly? I asked the agent for his representation agreement, he would not share. So the terms are unknown. I think it is up to the seller to decide if he wants to (or may) deal with me directly. If he does, do I have any legal liability in this situation?
Question Deals
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B008A2BNFQ

When the warm weather arrives each year, people who love swimming and have some space on their property will often start to think longingly about owning their own pool. However, many people are not aware of the cost of buying a pool, and even fewer are aware of the cost of maintaining the pool throughout every month and year.

Proper care and maintenance of a pool can help protect your investment and, above all, your family's health and well-being. In this guide, you will learn about the main factors to consider when thinking about buying and installing an above-ground or in-ground swimming pool, including:

+ Your budget
+ The size of the area you wish to place the pool
+ How much time you can spend on pool maintenance
+ How much you can afford to pay on maintenance when the pool is in use
+ What part of the country you live in and how it affects your pool choices
and much more.

Discover key questions to ask for each type of pool you might be interested in. Learn how to maintain your pool in winter depending on where you live and what kind of pool you have chosen. Find out the best ways to prepare your pool each year when the warm weather starts to arrive.

Learn how to measure the area for your pool correctly if you want to buy an in-ground pool. Discover the critical mistake that many would-be pool owners make that can cost them thousands of dollars.

If you are thinking about installing a pool as an investment in the value of your home, learn about the upfront costs as well as ongoing costs to decide if a pool is right for you. Also learn the main questions to ask any pool builder before you sign on the dotted line to keep your family safe and you sane as the pool installation process begins.

If you are thinking of buying and installing a swimming pool this year, this beginner's guide is designed to help you weigh the pros and con. If you decide to get a pool, this guide will help you learn the essentials for maintaining it in order to keep you and your family safe.

Word Count=12,000
=====

TABLE OF CONTENTS

WHATS IN THIS GUIDE
INTRODUCTION
CHAPTER 1: THE PROS AND CONS OF OWNING A SWIMMING POOL
CHAPTER 2: HOW MUCH DOES A SWIMMING POOL COST?
CHAPTER 3: HOW MUCH DOES IT COST TO MAINTAIN A SWIMMING POOL
CHAPTER 4: HOW TO CHOOSE A SWIMMING POOL
CHAPTER 5: HOW TO CHOOSE A SWIMMING POOL BUILDER
CHAPTER 6: POOL WATER CHEMISTRY ESSENTIALS
CHAPTER 7: COMMON SWIMMING POOL PROBLEMS ONCE YOUR POOL IS INSTALLED
CHAPTER 8: DEALING WITH POOL PUMP ISSUES
CHAPTER 9: HOW TO GET RID OF INSECTS IN YOUR SWIMMING POOL
CHAPTER 10: WINTERIZING YOUR POOL
CHAPTER 11: GETTING YOUR POOL READY AGAIN IN SPRING
CHAPTER 12: SWIMMING POOL FREQUENTLY ASKED QUESTIONS
CONCLUSION
FURTHER READING
APPENDIX: POOL FENCING ESSENTIALS
Totally Free Deals
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/gp/product/B004SIR422

Many of us are crazy about money. We spend too much of it and save too little. We hoard it and we sink into debt over it. We lavish it and are stingy with it. We lie about it and fight over it. We think about it all the time and we avoid thinking about it at all.
What makes us act this way? We like to believe that our choices and actions are guided by rationality and common sense. But in fact, reason and common sense often have little to do with our money behavior. Even trained financial professionals can be crazy about money. Rather, our decisions are governed by our emotions and money beliefs.
If these emotions and beliefs are balanced and clear, we will act wisely with our money. If they are confused, we will make poor decisions, creating financial havoc and deep unhappiness. Crazy About Money helps you identify the unconscious emotions and beliefs that typically develop in childhood and drive your money decisions as an adult. It also shows you how to change misguided attitudes that lead so many people into money trouble.
Crazy About Money uses real and composite cases drawn from author Maggie Bakers 30 years of clinical psychology practice. Youll learn about Mary, who has a basement full of useless Internet purchases she made to get even with her seemingly indifferent husband. And about Harry, an 89-year-old multi-millionaire bachelor who nearly decided to move into a state-assisted living facility for fear he would run out of money. You will also meet others who, perhaps just like you, over-spend, under-save, and make poor investment decisions.
In-depth discussions explain how many people, once they understand their motivations, are able to break short-sighted or destructive money attitudes and patterns of behavior. Exercises at the end of each chapter will help you examine your own feelings and actions and point the way toward smarter choices with money, whether in saving, investing, spending, giving, or sharing.
In todays economic climate, its crucial to understand how you make money decisions and how you can improve them. Emotional clarity about money and financial literacy are necessary 21st-century survival skills.

Praise for Crazy About Money from other money experts:

Funny, humane, and to the point, this will be the most fun youve had while learning why we act as we do. It is a bible for anyone who teaches or counsels people about their money. Kent Engelke, Managing Partner and Chief Strategist, Capitol Securities Management

Read this book and insist that your financial advisors read it as well! G. Scott Budge, Ph.D., Psychologist/Managing Director, RayLign Advisory, LLC

"Crazy About Money takes a uniquely direct approach to how and why so many of us struggle with money. Dr. Baker draws on her extensive professional experience and her personal journey with her own finances to teach us that a healthy relationship with money is both freeing and attainable... this book a great read for anyone looking to understand his/her own attitudes and spending habits."
Leslie Gordon Mayer, Ph.D. President &CEO, Mayer Leadership Group; Fellow, Wharton School of Business

"... A priceless contribution to the field of money psychology, this book is a must-read for individuals and couples facing money conflicts or money avoidance. Mental health professionals, money coaches and financial professionals will also find it a great resource for themselves and their clients."
Olivia Mellan, psychotherapist, money Coach, speaker, and author of Money Harmony and The Client Connection (with Sherry Christie)(moneyharmony.com)
Totally Free Deals
g: 0 Posted By: leoslion
Views: 183 Replies: 0 Sam's Club has the Sharp LC-60C7500U"http://www.sharpusa.com/ForHome/HomeEntertainment/LCDTV/Archives/LC60C7500U.aspx"60-Inch Class Aquos 1080p 240Hz Smart LED HDTV with Quattron for $898.17 "http://www.samsclub.com/sams/60-240hz-led-wifi-1080p-4-hdmi-wifi/prod9300318.ip".

I went TV shopping yesterday and the Sharp LED TVs seem to have better picture than the Samsungs. I went to Best Buy (bright environment) and hhgregg (dim environment). The wife liked the Sharp's Aquos tvs more than any other which helped make my decision between this and the Samsung UN60H6350.

The aren't many online reviews for the LC-60C7500U but the ones I found are very good (Amazon). You will find slightly more reviews for the LC-60LE750U. The only difference seems to be that LC-60C7500U has AquoMotion 480 and the LC-60LE750U has AquoMotion 240.

Comparison: http://www.sharpusa.com/Product/Compare.aspx?models=LC60LE750U,L...

PRICEMATCHING

Amazon "http://www.amazon.com/Sharp-LC-60C7500U-60-Inch-Class-Quattron/dp/B00CR6CHTW"
I personally decided to get it from Amazon for Prime, No Tax, and SquareTrade warranty. I put the item in my cart, used the "contact us" link to get them to call my phone, then had to be transferred to the large items dept. Once there I didn't have any problems pricematching to SamsClub.com. I provided them the Item #: 101894, and the store location that had it in stock at Sunrise Club, 13550 W. Sunrise Blvd., FL 33323, (954) 846-7001. Amazon has their own login for Sam's Club and they were able to verify the $898.17 with no issue. FWIW, I had it shipped to DC and they didn't give me a hassle about the store not being local or me not having a Sam's Club membership.

WARRANTY
I added theSquareTrade 5-Year TV Protection Plan ($800-$900) "http://www.amazon.com/gp/product/B005STXP5K/ref=oh_details_o01_s00_i00?ie=UTF8&psc=1"for $79.81. Otherwise, it seems to come with a 1 year Parts & Labor warranty from the manufacturer.

Let me know if it's a hot deal and post your config if you get it.
LED TV Deals

Sams Club Coupons
LEGO Star Wars Desert Skiff 9496 $19.99 w/FS @ eBay by Target
Added on : Saturday May 31st 2014 06:00:05 AM
g: 0 Posted By: ctgolfer
Views: 79 Replies: 0 LEGO Star Wars Desert Skiff 9496
Escape from the jaws of the Sarlacc aboard the Desert Skiff with Luke Skywalker and Lando Calrissian! Or be foiled in your attempts by Boba Fett and Kithaba. You decide with the LEGO Star Wars Desert Skiff set. Comes with all 4 minifigures, Sarlacc pit, and lots of weapons.


Product Specifications:
Manufacturer's Suggested Age: 7 Years and Up

Includes: Toy Building Components

Number of Pieces: 213

Material: Plastic

Educational Focus: Creative Thinking

Languages: English, Spanish, French

Dimensions: 2.32 " H x 7.52 " W x 13.9 " L

Product Weight: 0.78 Lb.

Care and Cleaning: Wipe Clean With a Dry Cloth


www.ebay.com/itm/LEGO-Star-Wars-Desert-Skiff-9496/281319251090
What's Going On: Marvin Gaye: MP3 Downloads For $3.99 @ Amazon
Added on : Thursday May 29th 2014 04:00:04 AM
g: 0 Posted By: Deals4mykids
Views: 53 Replies: 0 CD+MP3: $4.99 << Best deal if you have Prime or an order of $35
MP3 Limited time Price : $3.99

Best soul album ever ?
That's the word on this 1971 release by Marvin Gaye.
Decide for yourself .
Great deal whichever way you decide to purchase this digitally remastered classic.

The tracks:
1 What's Going On
2 What's Happening Brother
3 Flyin' High (In The Friendly Sky)
4 Save The Children
5 God Is Love
6 Mercy Mercy Me (The Ecology)
7 Right On
8 Wholy Holy
9 Inner City Blues (Make Me Wanna Holler)
10 God Is Love (Single Version)
11 Sad Tomorrows (Single Version)

http://www.amazon.com/Whats-Going-On-Marvin-Gaye/dp/B000V658EQ
Music Deals

Amazon Coupons
Financial Implications of UberX
Added on : Wednesday May 28th 2014 08:00:05 PM
g: 0 Posted By: BigManonCampus
Views: 56 Replies: 3 I know this idea has partially been discussed here:http://www.fullofdeals.com/forums/finance/1337560/ but I wanted to go into a bit more detail and go with a slightly better thought out "business plan" for UberX driving. I recently finished my MBA and so I suddenly have what feels like a ton of free time at night and on weekends. There are the obvious FWF solutions of how to spend this time (H&B, etc.) but it seems like some amount of this time could be spent making more money and getting me out of the house. I had an idea today to start driving for UberX a couple nights a week (I'm thinking a weekday night and a weekend night) and how it could potentially be profitable.

My current vehicle is a pickup truck, so I'd have to obtain a second vehicle for Uber driving. Their requirements are <10 years old, clean title (not salvage/rebuilt), "excellent cosmetic and mechanical condition" (frighteningly vague) and 4 doors. A bit of basic craigslist/autotrader browsing suggests I can get a suitable 4 door vehicle with ~100k miles on it that is exceptionally unpopular (Suzuki Forenza/Verona, Chrysler Sebring/PT Cruiser, Chevy HHR, etc.) for around $3,500-5k. Alternatively, there are some nicer options (Lexis IS250, Cadillac CTS/Deville) in the $7-9k range. The hope would be that I could essentially drive these cars around 20k miles and do little maintenance beyond oil changes and treat this car as my UberX whipping boy then just sell them for roughly I have in them (alternatively, if something serious breaks or the car is totaled, consider it a capital loss and see what I can get for scrap, I'm cool with this risk).

So, here's my math:
Shift Mileage $ from Mileage $ from Time (Assuming 80% time/mile ratio) $ from Base fares (assuming 5 mi/ride*$2) Total Gross Earnings Uber's Cut Gas Cost @ 25 mpg @ $3.7/gal IRS Mileage Deduction (.56/mi) Taxable Amt Tax Burden ( assumed @30%) Net Earnings 20 28 22.4 8 58.4 11.68 2.96 15.82 30.9 9.27 21.63 40 56 44.8 16 116.8 23.36 5.92 31.64 61.8 18.54 43.26 60 84 67.2 24 175.2 35.04 8.88 47.46 92.7 27.81 64.89 80 112 89.6 32 233.6 46.72 11.84 63.28 123.6 37.08 86.52 100 140 112 40 292 58.4 14.8 79.1 154.5 46.35 108.15 120 168 134.4 48 350.4 70.08 17.76 94.92 185.4 55.62 129.78 140 196 156.8 56 408.8 81.76 20.72 110.74 216.3 64.89 151.41 160 224 179.2 64 467.2 93.44 23.68 126.56 247.2 74.16 173.04 180 252 201.6 72 525.6 105.12 26.64 142.38 278.1 83.43 194.67 200 280 224 80 584 116.8 29.6 158.2 309 92.7 216.3
Here's my explanation of my assumptions/numbers
Shift Mileage: Assumed mileage driven with a paying passenger

Income:
$ from Mileage: Assumed mileage x mileage rate
$ from Time: I took my last twenty UberX trips and the average Mileage $/Time $ was around .8, so I just multiplied $/Mile * .8
$ from Base Fare: Obviously this is highly dependent on number of trips. I punted on this one and assumed each trip was 5 miles, so every 5 miles I make $2/base fare.
(Not Calculated): Any weekend night I don't spend partying in bars, I don't spend money on drinks/rides home.

Deductions:
Uber's Cut: 20%. I would probably also drive for Lyft as well, in my travels, I've seen many drivers do both UberX and Lyft at the same time, but I'm assuming whomever I'm driving for, that's commission.
Gas: My assumptions per mile
Taxes: Assume 30% for taxes and 56.5 cents per mile deducted.

The obvious things ignored here are miles with no earnings going to pick somebody up (to which I have no idea how to calculate) and insurance costs. I assume my insurance costs will be minimal because it'll be a second car on my current single driver policy and carry liability only insurance. If I have a $3,500 car that is only the UberX whipping car and I total the thing, I assume my insurance and Uber's $1 million liability will pick up the liability, and I'll just get rid of the wrecked car and decide that UberX wasn't worth it.

I'm assuming that using a normal distribution with the above numbers and assuming 60-120 paid miles, I'll average $100/night (I suspect it would be more like $50/weeknight, $150/weekend night) Whether this is realistic or not, I don't have a good way to determine, Uber's community managers swear that everybody gets $1000+ a week, blah blah blah.

So, my only unknowns are the real UberX market in my city, if I bought a car and immediately had to put a significant amount of money into it ($500 repair or something two weeks after I get it), but that is just a risk I have to take with this plan.

So, FWF, anything I'm missing?
Question Deals
Question about multiple claims against my homeowner's insurance.
Added on : Wednesday May 28th 2014 03:00:09 PM
g: 0 Posted By: chocula
Views: 31 Replies: 0 I have a couple of questions about making another claim against my homeowner's insurance.

I have had the same insurance company for my house and car for about 15 years or so. I never had a claim until about 8 years ago when our town was hit pretty hard by tornadoes and an extremely large tree landed on our house. Somehow our chimney took the brunt force of the tree (i was sleeping under where the tree landed on the house), it still did about $30k in damage to our house.
We filed an insurance claim and they paid everything but our deductible. Other than about 3 or 4 back and forth messages there were no issues with getting the work approved and the contractor paid.

About 2 years ago, I got a chip in my windshield and was told that the insurance company would repair those for free. We had a guy come out to the house and he repaired the windshield.

We have lived in our current house for almost 7 years and have never had a claim against it. Last year, we had a really bad storm and about 60% of the houses on our street had their roofs replaced. We decided against repairing the roof or filing a claim since we had one previously. In the 7 years we have lived here, we have had several bad storms.
Last week, we had another pretty bad storm and the builders were out in force trying to get people to replace their roofs.

After the most recent storm, we had a very small amount of water in our garage where you could see it leaked from the roof area.

My wife and I were discussing whether or not we should get our roof replaced and decided to have someone inspect the roof. You can clearly see the damage from the hail on the shingles and the flashing. Several of our screens were damaged as well. My vehicle has a few hail marks on it, but it is 8 years old and a few marks on it are no big deal.

The builder that inspected our roof said that the front part of our roof has a great deal of damage, but surprisingly the back part of the roof is not that bad.

I have read here that just calling your insurance company about these issues can count against you, so I wanted to get some advice before calling them.

My questions:
1. Will having another claim cause my premiums to go up?
2. Can they cancel my insurance if I have a 2nd claim? I am guessing it will be $5-6k to replace the roof (based on the costs for my neighbors to get their roofs repaired).
3. The builder said that my insurance company may not pay for the back part of my roof because it was not that bad. Would an insurance company only repair half a roof?
3A. Our house that was hit by a tree in Atlanta was a split level and only one roof was damaged. We paid for one roof and the insurance company paid for the other one,
4. Do you have any advice for me with this situation?

Thanks in advance. We are obviously trying to get the roof repaired, but at the same time do not want to lose our insurance.


Question Deals
Anyone here deal with Prosper.com
Added on : Monday May 26th 2014 01:00:09 PM
g: 0 Posted By: robasha4
Views: 49 Replies: 0 Pretty straight forward, looking for input from the fine members here with their experiences with Prosper.com before I decide to deal with them.

Thanks in advance!
Question Deals
using Amex $10 off $50 on Lowes LED bulbs, 800 Lumens for $8
Added on : Sunday May 25th 2014 09:00:06 AM
g: 0 Posted By: sailandpaddle
Views: 203 Replies: 0 Decided to use my Amex Blue Cash $10 off $50 deal to buy a bunch of Utilitech non-dimmable 850 Lumens bulbs for $7.98 each:
http://www.lowes.com/pd_557095-75774-LA800830LED_4294801193__?pr...


Home & Garden Deals
Buying back the remainder of my tenants lease?
Added on : Saturday May 24th 2014 10:00:09 AM
g: 0 Posted By: veckle
Views: 7 Replies: 0 I would like to see if my tenant would consider re-negotiating the terms of our agreement to allow me to take my property back earlier than originally scheduled. I dont think they want to leave now or even at the end of the lease, but Ive decided not to continue and would like to propose an early out that would include some form of cash incentive.

I would appreciate advice on what might be a reasonable approach. They are in the second year of a two year lease that ends January 31st 2015.
g: 0 Posted By: remick
Views: 78 Replies: 0 http://www.amazon.com/gp/product/B00KEW9ENS

Hate Getting Your Car Serviced Because You're Afraid of Auto Repair Rip-offs?
Get Your Copy of this Book! It Gives You the Inside Scoop on the Tricks of the Trade

You will learn how mechanics, world wide, use a "tried and true" sales technique
known as the "Three F's" to get you to agree to spend more money. You'll learn other common ways they cheat customers. This book will teach you about the "dirty air filter" trick and the non-existent "Brake Fluid Flush" that makes the shop money while ripping you off.
You will learn the ways dishonest mechanics scam you by "up selling" services you don't need.

We've All Suspected it Happens, Now there's Proof!
You will learn how dishonest mechanics reel you in with cheap oil change prices then do a "bait and switch" to charge you more.

If you've ever dreaded taking your car in for routine maintenance, such as getting a simple oil change, or you've skipped getting your tires rotated because you're afraid a dishonest mechanic will rip you off, then THIS IS THE BOOK FOR YOU!

That's because, chances are you HAVE BEEN CHEATED! If you're a woman, you can bet you've been cheated, not once, not twice, but over and over again!

Journalist Investigates:
Marty Guerrero is a two-time Emmy Award winning journalist who caught a so-called "female friendly" mechanic cheating her. He was charging her more than $1000.00 for various services when all her car needed was a new battery. When he refused to refund her money, she took her case to state investigators and won!. The shop owner was such a jerk she decided to take auto repair classes, learn about her car and expose the industry's dirty little secrets.

THIS POWERFUL BOOK WILL SAVE YOU MONEY!
Buy this book for yourself, and give copies as gifts to your friends and family. It will save all of you from agreeing to unnecessary services.

You will save on your personal finances and have a lot less anxiety and headaches going to an independent auto repair shop or an auto dealership.

IT'S A "MUST READ" FOR ANYONE WHO DRIVES A CAR!
Totally Free Deals
g: 0 Posted By: Krazen1211
Views: 102 Replies: 0 Link

Rewards members should get free shipping to home. Usually these go on sale at about $6-$6.50 at WalMart/grocery stores.


You might also be able to use coupon code 19980 if you decide to get this deal in store to get 20% off.
Grocery Deals

Staples Coupons
Penfed 5/5 or BoA 10ARM Mortgage - please help me decide
Added on : Tuesday May 20th 2014 03:00:06 PM
g: 0 Posted By: 1X2Y3Z
Views: 60 Replies: 0 Hi:
I am taking a loan of around 640K after 20% down payment and here are the two options I am considering. I intend to stay in this home no more than 10 years and hence I am considering these two options

Penfed -- Current rate on the 5/5 ARM is 3%. 2% max every reset, with 5% lifetime max. Will help with closing costs upto 10K but I need to use their title services which as per the GFE cost at around $8000 -- $5000 for title services and lenders title insurance and $3800 for owners title insurance. I read elsewhere in these forums that they don't treat them as simultaneous insurance policy which other title services companies quote at $4600. Also, I believe the first 5 year reset is a minimum 4% because what I am getting now is promotional rate of 3%.

BoA - Current rate on the 10/1 ARM is 3.25%. 5% max on first reset, 2% max subsequent resets, with 5% lifetime max. Will provide lenders credit of around $2000 and I can use my own title service which is around $4600. One additional cost compared to Penfed is $800 origination fee.

I must mention that dealing with Penfed is extremely difficult, very poor response whereas BoA rep is very accessible and very eager to help and expedite.

Any views, recommendations and/or things I should be considering as I make a decision? Please help me make a decision.

Thanks in advance...

New User Question Deals
New driver with $5k car damage. Please help me decide what to do.
Added on : Tuesday May 20th 2014 08:00:08 AM
g: 1 Posted By: vholic
Views: 202 Replies: 9 I'm a driver in my 30s, however I only got my driver license recently (Oct 2012). I live in MA with a full coverage insurance for $3,033/yr with $1,000 deductible.

Car info:
2009 Mazda 3 S Touring Hatchback 41,500 miles
Purchase used in Jan 2013, paid cash OTD $16K (incl tax & everything)
Blue Book value as of today: Trade in to dealer in fair condition $10K
Recent repairs: $1K for one new tire, one new axle/CV joint, all new rotors (Apr 2014)

I got into an accident in an underground parking lot last Sunday. I hit the cement support beam when backing up and had some damage to the left side of my car. All lights are still functioning after the accident. Pic attached.
I went to 2 reputable body shops. Body Shop A quoted me $5,500 (big shop, everything is guaranteed). Body Shop B (mom&pop) but also reputable quoted me $4,200 insurance or 10% disc if I don't do insurance.
The car needs a new quarter panel, bumper and rear lights-left side.

Please help me decide what to do:
1. Do nothing. Knowing that I'm a new driver, I don't think this will be my last accident. I will use this car as my "training wheel" for 3-4 years.
2. Claim my insurance. I will get 4 points in my record for 5 years. Insurance will incr to $3,917/yr. My out of pocket will be $1K ded + 2 weeks of rental car (found out that I don't have rental coverage).
3. Pay the repair out of pocket.
4. Go to a cheap/somewhat shady place looking for a repair that costs half as much (~$2K).
5. Sell my car as is (maybe ~$6K?) and get a crown vic.

I'm leaning toward option 1 right now. Need some opinions on pros & cons. Thanks in advance.

Pic: http://i.imgur.com/DhdxvdO.jpg

Personal Finance Deals
AZ property management. . .
Added on : Monday May 19th 2014 08:00:11 PM
g: 0 Posted By: hambirg
Views: 5 Replies: 0 My mother owns a park model in a very nice park in AZ. It is also in a prime location, about a block from the main club house, pool, etc.

She hasn't been down in a few years. From what I have found out, it can rent for $1700/month during the rental season.

She does nothing but complain about paying the HOA fees and the taxes on this property.

She did rent it for a few months a couple of years ago, but it was nothing but problems, as far as I know. It was rented through the park's office and there was some sketchy things with the man that was the agent. The story is, my mom asked about some blankets that were missing and the agent admitted to letting some friends "stay there for awhile" and they must have taken the blankets. I think the translation is that the agent was renting the place out, but not reporting it and paying my mom. . .or so she believes. Welcome to Del Boca Vista folks!

Anywhoo, it makes no sense to me that she isn't renting it out. She can easily make the HOA fees and the property taxes on it, plus some, in a season. It does need a new air conditioner, cleaning and de-weatherization (is that even a word?) at the beginning of each season, someone to clean after each renter, and someone to weatherize at the end of the season. According to her, she does not have to go through the park to rent it. Soooooo. . .my question is. . .can't we use a property management company from the area? Surely she is not the first person to ever do this, right? How much do they normally take as a cut in that area and what services do they provide as standard. Normally around here it can be anywhere between 10-20% depending on the services they provide. Also, what are the tax implications? Does she need to consult her tax attorney if she decides to do this?

TIA! Please be kind. I'm not an idiot, but I don't have any experience with this kind of thing. It just doesn't make any sense to me that she isn't using this asset for income and instead making it a liability. However, at her age, if it is too much work than it truly will be a liability. I'm just looking for a way to put this on auto pilot and at least break even. In three more years my brother will be old enough to own and can take it over. We would like to keep the property in the family.

Question Deals
Great Prices For Buying PC Games. Up To 50% Off Retail Price
Added on : Saturday May 17th 2014 07:00:02 PM
g: 0 Posted By: TheNightSky
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g: 0 Posted By: robronson
Views: 125 Replies: 0 I travel for a living and build up a lot of free frequent flier and other reward points. However, since I travel so much for work, I have zero desire to travel for fun, at least anytime soon. I thought about saving the points for use in a few years when I eventually stop traveling consulting work, but as experience of recent years dictates, I can guarantee a huge devaluation of the points over that time frame. Also, there's no reason I couldn't cash in my points now, and then about 6 months before I decide to "retire" from this line of traveling consulting work, start saving again since 6 months worth of points for a weekly traveler is enough reward points for 3 to 5 years of vacations.

That said, how can we cash out our points for non-travel rewards in the most efficient, least-riskiest way? Selling the points is out of the question due to the high risk. The risk of getting caught and being blacklisted from ever getting any additional points is not worth it. The best I've come up with is the following:

1) Cash them out for gift cards for places like Amazon and use them for personal purchases. Southwest offers redemption for Amazon GCs at 1 point per 1 cent. 50,000 points per $500. I can easily earn 50,000 points every 3 months of travel which is $2,000 per year in Amazon gift cards. That's enough for a new laptop and a new large flat panel television per year. Pretty sweet considering it's tax-free benefit of working.

2) Cash them in for gift cards/travel on the airline/hotel itself, and then remit those expenses to the client. Unethical? Maybe. Illegal? Not sure. I can see it borderline. The way this would work is cashing in 100k+ Marriott Points for Marriott Gift Cards and then paying for your hotel stay with the Gift Card, and then submitting your receipt to the client for reimbursement. With airliners, you may be able to book flight with your points on a refundable trip, cancel the flight, get a voucher for money, apply that voucher for a future light to your client, and submit an invoice for that flight.

Option 2 seems like it would be a higher payout since you usually get higher rewards if used directly with the place you earned them and you get Cash Back from the client. The downside is option 2 seems like it could be considered unethical or illegal. I'm not a lawyer. I do know the following is legal:

I book a flight for a client, pay on my personal credit card. Client cancels the trip to meet their needs. I paid for the trip out of pocket but don't get reimbursed because I didn't actually make a trip for the client. Assuming it's refundable airfare, I can use the voucher towards a future client trip, and get reimbursed for this at that future time. Perfectly legal, perfectly ethical, no problems. However, if I received the voucher by virtue of trading in my FF points, then I can see the argument that it's wrong to use the voucher for a future trip and get reimbursed. I say this because I know it's considered unethical to book a flight with FF points and try to expense that to the client. In my new method, while I am using points to pay for the trip, I'm first using the points to book a flight, cancel it, get a voucher, and apply the voucher to the new flight.

It's also legal for me to go to Lowes with my Chase Freedom card during Q2 with 5% Lowes CashBack, buy Marriott/Southwest Gift Cards, pay for my flight with those GCs, and expense them at full cost. No problems with that ethically or legally, especially since I can prove I paid for the GCs with cash out of pocket. Thus, maybe if I use my Marriott points to buy Marriott Gift Cards, I can do the same even though it's unethical to book a room with points and expense it.

I'd justify it this way: if you get frequent flier points they are not considered taxable income but they are considered property because your ex-wife could sue you for them as an asset (as per one of the opening scenes in the movie Wedding Crashers).

Justification stated, I feel more comfortable cashing out for Amazon Gift Cards because it feels less risky and more ethical. Not sure what to do with Marriott, Hilton, IPG points since they don't appear to be able to cash out for any GCs worth using.
Question Deals
Process of switching jobs
Added on : Saturday May 17th 2014 03:00:05 PM
g: 0 Posted By: job2092
Views: 79 Replies: 1 I have been at the current job for more than 12 years and do not remember exactly what I did last time I switched jobs. I have found another position - a W2 hourly consulting position with a contracting company. I have interviewed at the client and have verbally come to an agreement on hourly rate. I was wondering about the actual process of switching jobs.

1. Do I get a written offer before turning in the notice at the current company?
2. I have not talked about this to the new company - but do companies usually give offer and a specific time period in which to accept the offer?
3. Should I ACCEPT the offerbefore turning in the notice at the current company, if the offer is made and am required to accept it immediately?
4. If my current company counters and I do decide to accept the counter-offer, will it be a problem if I have already accepted the new company's offer?

I would appreciate any advice on the process.
Personal Finance Deals
g: 0 Posted By: remick
Views: 566 Replies: 0 http://www.amazon.com/gp/product/B00K11XPWI

5.0 out of 5 stars (12 customer reviews)

This book was inspired by the stories of many women who I have met over the years. It is about their challenges, failures, and successes. Their moving stories motivated me to write this book to help other women understand how every choice they make can either help or destroy their retirement. Learn from their inspiring and heartbreaking stories. I know they will want any woman who reads this book to be aware of the "wolves" that can, in the blink of an eye, wipe away hopes and dreams of her retirement. Discover the secrets to personal empowerment and what you need to know to find your own yellow brick road to financial inner peace.

This book will help you understand the complicated relationship between you as a woman, your money, and your financial professional. Many women go through life with the illusion that their future is secure just because they set aside money for retirement and have a financial advisor who they believe has their best interest in mind. Many women don't ask the right questions, don't demand the right answers, and are routinely pushed away from being involved in the most important dream
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Books Deals

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g: 1 Posted By: johnmayer
Views: 58 Replies: 3 Needing advice from FW'ers that know the rights for renters. Here's my problem...

Recently signed a lease for an apartment about 1-2 weeks ago. My girlfriend and I were approved to move in 3 weeks later... the deposit was paid, app fees paid, redecoration fee paid, credit pulled. So we are getting excited about moving out, and we get a call today saying that the current renters in the apartment decided to stay longer, and that we are shit-out-of-luck. So here I am, 2 weeks before I have to move out of my current apartment... with no place to live.

Is there any recourse for me against the apartment complex? Is this even legal to do? They approved us, we signed the lease, and paid the fees. I'm even upset that they pulled my credit score, so now I have 1 or 2 hard inquiries on my credit score. How can they do this?

Thanks to all that respond.
Personal Finance Deals
Vanguard Mutual Retirement Fund
Added on : Tuesday May 13th 2014 10:00:03 PM
g: 0 Posted By: furlongce
Views: 55 Replies: 0 I am 22 years old, and have a well-paying job and no debt. After doing some research, I have decided to open a ROTH IRA account through Vanguard. I will have roughly 4,000 to invest initially, so I am not hindered by the 3,000 minimum on some of their mutual funds.

It seems like there is a fair amount of controversy regarding their Target Retirement Mutual Funds, so I am wary of putting money into that though I am still considering it as an option.

Although I would prefer to put my money into an account that did not require much attention, I would like to put myself in the best position possible even if that requires more effort to understand the market. I am saving for my first home, and I plan to use as much of the earnings as possible towards that goal.

Any advice would be greatly appreciated

Thanks in advance!


Question Deals
How to find good real estate attorney quick / semi FSBO
Added on : Tuesday May 13th 2014 05:00:09 PM
g: 0 Posted By: GermanExpat
Views: 75 Replies: 1 I have a question around selling our house. We are getting our house ready to sell and had picked a Realtor that we were ready to sign a contract with some time later in the week or next week. There were still some small things to be done to get the house ready (some tiles to be replaced, get the clutter out etc.).

By chance we found a letter in our mailbox from somebody asking if they can look at the house. They did hear from a friend living in our extended neighborhood that probably knew from our neighbors that we are getting ready to sell.

We called the number on the letter and talked to the family and they did tour the house today for an extended time (with me partially present at the beginning). I just got a call that they are interested in the house and would like to know our price. They do know we don't have a realtor yet and are willing to deal without a realtor and just use real estate attorneys. Ok now making a long story short I have to get back to them with our price and will give them a discount on our price based on not involving a realtor.

But now we are a bit unprepared to go through with a (semi) FSBO but for sure a realtor is not worth the 50k+ commission on our house just for holding our hands. I am trying to get a crash course now how to sell myself. So here are my questions and please add anything I might have missed:

- get a real estate attorney asap, how do I go finding a good one?
- ask the seller to send an offer in with earnest money attached to it (I assume our real estate attorney could hold it in a trust account?)
- find a title company for the closing (I assume this has some time or should I just ask the real estate attorney after finding one). It is Colorado and from what I understand in most cases the seller picks the title company albeit the buyer can select one as well.

I assume my biggest issue is finding a real estate attorney right away and have them check out the offer. The potential buyer stated he has a relative (uncle) in his current state he can use to draft the offer. So how do I go to find a good real estate attorney within a day?

Anything else I should consider?

Also on a side note the realtor did have a 1 week limited agreement. We already had a letter in the mailbox 2 weeks ago and asked him to follow up and signed a limited agreement with him for a couple days to show the house to this potential buyer and 2 of his agent friends had candidates that wanted to see the house as well. One buyer made a lowish offer and we did not accept it and our verbal counter was too high for them. The realtor was kind of pushy to talk us down price wise (ok, no surprise here). They then decided to wait for us to put the house on the market probably hoping it gets closer to their Target price. I don't feel we owe our realtor anything because he didn't have to do any work yet (no MLS listing, no adds etc.) and the limited agreement expired anyway. We are not in a hot area of the country, sales are doing reasonable well and not a huge inventory of houses comparable to ours (and they seem to sell much quicker then last year in our price range). But we were still a bit puzzled to have people show up before we even are ready to sell it. The realtor also kind of tried to low ball our house based on he didn't like our style (our house is quite contemporary and he has a more traditional style preference) and probably also to make it sell quicker (he did use some debatable comps and focused on per square foot price but we have e.g. a lot premium because of the lot location).
g: 0 Posted By: remick
Views: 2 Replies: 0 http://www.amazon.com/The-Guide-Douchebags-Recruiting-ebook/dp/B...

4.1 out of 5 stars (16 customer reviews)

Recognizing that boys issues and problems have too long been ignored, Rosalind (a mother of two boys), decided to pull back the curtain on Guy World, working collaboratively with middle-school and high-school boys for a period of two years to chart the emotional terrain that boys inhabit. But as she was working on her book for the boys parents, Rosalind realized that teenage boys themselves are in desperate need of guidance. They need a book, The Guide, that speaks directly to them (in a boy-friendly format and in their language) about the problems they face every day:

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With the help of hundreds of middle and high school aged boys, Rosalind has identified and answered the most pressing questions teenage boys have. The result is an invaluable e-book guide that no teenage boy should be without.
g: 0 Posted By: DirtCheap
Views: 75 Replies: 0 Seems to be a good price, I have one and I think it's brighter than those with 1x18650.

TangsFire C8 8W XM-L2 U3 1300LM Aluminum Alloy Flashlight BlackAs it is known to all, flashlight is a necessity for households, especially when you come across supply interruption. With the rapid development of science technology, flashlights havegone throughnumerous innovations. Here we will introduce this TangsFire C8 8W 3.6V-4.2V 1300LM XM-L2 U3 Aluminum Alloy Flashlight. Made of high quality aluminum alloy, it is sturdy enough. Its bright beam can be seen miles away in the dark, helping you to see the way clearly. What is more, it is suitable for household, outdoor activities, hiking, night fishing, camping, sailing, etc. It is really a must-have for you! You wont be disappointed at both our product and service. Do not hesitate!Features

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Camping Deals
Free Kindle Book- Italy for First Timers
Added on : Sunday May 11th 2014 04:00:16 AM
g: 0 Posted By: remick
Views: 22 Replies: 0 http://www.amazon.com/gp/product/B00I9P0VO8

This book overflows with hands-on, proven techniques for getting the most out of this tripand future trips too! Selecting what to see and do, picking where to stay, where to eat and what to pack, the best guide for making your dream vacation a reality.
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g: 0 Posted By: Farfisa850
Views: 991 Replies: 2 http://www.ebay.com/itm/Nikon-D3100-Digital-SLR-Camera-w-18-55mm...

Product Information Nikon D3100 is a small, 14.2 MP camera that captures high-quality images and videos. This Nikon DSLR has a large 3-inch LCD monitor and is equipped with automatic correction of lateral chromatic aberration that prevents purple/green fringing. The Nikon D3100 supports a GPS unit, for automatically geo-tagging photos. Moreover, this Nikon camera features continuous autofocus during video recording. The Scene Auto Selector function in the Nikon D3100 helps with face detection and subject tracking. This Nikon DSLR includes active D-lighting basic in-camera movie editing options for greater functionality. Besides, this Nikon camera works pretty well in low-light situations without the use of flash.
Product Features
14.2 megapixel DX-format CMOS image sensor
14.2 megapixel DX-format CMOS image sensor delivers beautiful photographs and prints well beyond 20 x 30 inches.
Full 1080p HD Cinematic Video with full-time autofocus and sound
Full 1080p HD Cinematic Video with full-time autofocus and sound lets you record cinematic-quality movies in Full 1080p HD format (1920 x 1080 pixels).
Easy-to-use-featuring Nikon's guide mode
Easy-to-use-featuring Nikon's guide mode with intuitive controls and on-board assistance helping you take better pictures every step of the way.
Fast 11-point Autofocus System
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Built-in HDMI port
Built-in HDMI port lets you connect directly to your HDTV using an optional HDMI cable.
6 Automatic Exposure scene modes
6 Automatic Exposure scene modes just set the Mode dial to Portrait, Landscape, Child, Sports, Close-up or Night Portrait for stunning results in otherwise challenging conditions.
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Picture control lets you choose from Standard, Neutral, Vivid, Monochrome, Portrait, or Landscape to apply a personal look and feel to your pictures.
Built-in pop-up flash
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Split-second shutter response eliminates the frustration of shutter delay, capturing moments that other cameras miss.
ISO sensitivity 100-3200, expandable to ISO 12800 equivalent
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Scene auto selector
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In-camera image editing allows creative freedom, without the need for a computer, offering easy editing functions.




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g: 0 Posted By: Farfisa850
Views: 85 Replies: 0 http://www.ebay.com/itm/Nikon-D3100-Digital-SLR-Camera-w-18-55mm...
Product Information Nikon D3100 is a small, 14.2 MP camera that captures high-quality images and videos. This Nikon DSLR has a large 3-inch LCD monitor and is equipped with automatic correction of lateral chromatic aberration that prevents purple/green fringing. The Nikon D3100 supports a GPS unit, for automatically geo-tagging photos. Moreover, this Nikon camera features continuous autofocus during video recording. The Scene Auto Selector function in the Nikon D3100 helps with face detection and subject tracking. This Nikon DSLR includes active D-lighting basic in-camera movie editing options for greater functionality. Besides, this Nikon camera works pretty well in low-light situations without the use of flash.
Product Features
14.2 megapixel DX-format CMOS image sensor
14.2 megapixel DX-format CMOS image sensor delivers beautiful photographs and prints well beyond 20 x 30 inches.
Full 1080p HD Cinematic Video with full-time autofocus and sound
Full 1080p HD Cinematic Video with full-time autofocus and sound lets you record cinematic-quality movies in Full 1080p HD format (1920 x 1080 pixels).
Easy-to-use-featuring Nikon's guide mode
Easy-to-use-featuring Nikon's guide mode with intuitive controls and on-board assistance helping you take better pictures every step of the way.
Fast 11-point Autofocus System
Fast 11-point Autofocus System delivers razor-sharp pictures.
Built-in HDMI port
Built-in HDMI port lets you connect directly to your HDTV using an optional HDMI cable.
6 Automatic Exposure scene modes
6 Automatic Exposure scene modes just set the Mode dial to Portrait, Landscape, Child, Sports, Close-up or Night Portrait for stunning results in otherwise challenging conditions.
Picture control
Picture control lets you choose from Standard, Neutral, Vivid, Monochrome, Portrait, or Landscape to apply a personal look and feel to your pictures.
Built-in pop-up flash
Built-in pop-up flash for those times when there isn't enough light.
Compact and lightweight design
Beautifully styled, ready to go wherever life takes you.
Split-second shutter response
Split-second shutter response eliminates the frustration of shutter delay, capturing moments that other cameras miss.
ISO sensitivity 100-3200, expandable to ISO 12800 equivalent
ISO sensitivity 100-3200, expandable to ISO 12800 equivalent delivers exceptional results, even in the most challenging low-light situations.
Scene auto selector
Scene auto selector lets the D3100 decide the best mode to match the shooting situation when using Live View.
EXPEED 2
Nikon's image processing engine assures breathtakingly rich image quality, managing color, contrast, exposure, noise and speed.
Scene recognition system
Scene recognition system in Live View automatically optimizes exposure, autofocus, and white balance, allowing you to obtain beautiful photos without the hassle of making complicated camera adjustments yourself.
Active D-Lighting
Active D-Lighting restores picture-enhancing detail in shadows and highlights.
Automatic image sensor cleaning
Automatic image sensor cleaning uses an ultrasonic process and exclusive Airflow Control combats the accumulation of dust in front of the image sensor, safeguarding image quality shot after shot.
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In-camera image editing allows creative freedom, without the need for a computer, offering easy editing functions.




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g: 0 Posted By: robronson
Views: 1 Replies: 0 How hard/expensive is it to set up an HSA plan under an S-Corp? I don't think you can have your business contribute to your HSA on a pre-SE-tax basis unless you're a W2 employee of the business. So assuming you decide to structure your business this way, with you as a W2, how does one contribute to an HSA on behalf of the employer?

It's $500 of tax savings on a $3250 contribution so assuming there's some kind of annual fee that your S-Corp must pay the HSA custodian, maybe you could do this in December, contribute the $3250 for 2014, then in January, contribute the $3300 (or inflation adjusted max for 2015), and then cancel your plan with the custodian and rollover the money into your free personal HSA (at Patelco or Alliant or wherever you have it). Then repeat the same thing in December of 2016 to get 2016 and 2017 contributions in there.

Assuming the cost of doing this, (after the business deduction of the expense since you get to writeoff the fee you pay the custodian) is less than $500 (which is the SE tax savings), then it may be worth doing.

I'm guessing you can't just have your S-Corp cut a check directly to your personal HSA custodian and say "employer contribution" and then write that off your SE tax money.

Then again, if you're running an S-Corp with you as an employee, then you're probably not distributing 100% of your profit to yourself, you're only distributing enough to meet IRS requirements as what salary you should be getting paid. And if the S-Corp is contributing to your HSA on your behalf, it's unlikely the IRS will allow you to reduce your W2 salary by that amount you pay yourself, so it'd be coming out of the S-corp money that's being retained within the S-corp anyway, which isn't SE-taxed, and thus going through this hassle might not be worth it.

Thoughts?
Vonage - $30 Macy's gift card!
Added on : Thursday May 01st 2014 05:00:06 PM
g: -1 Posted By: phil4444
Views: 164 Replies: 1 NEW! Get Promo Price $9.99/mo for 6 MONTHS + $30 Macy's Gift Card! [L=Vonage World Residential Plan- Includes Calls to the US & 60+ Countries (India, China, Canada, Mexico, etc) with 1-Year Agreement [free activation, includes a phone adapter] + Free Shipping & Handling online only! limited time offer]http://out.deals2buy.com/out/398397?p=4[/l] forSALEat Vonage

Select $9.99/mo for the first 6 months (then just $26.99/mo)(plus taxes & fees) plan and Sign-up to get phone adapter + Free Activation (w/ 1-year agreement)
Final Price : $9.99/mo for the first 6 months (then just $26.99/mo)+ Taxes & Fees+ Free Activation ($29.99 value) + Vonage Extensions (your first Extension is free to register, and only $4.99/mo(plus tax)to add a second one) + $30 Macy's Gift Card + Free ShippingPlease note: to receive this offer, order must be placed online.
Restrictions:=11.5ptLimited time offer.Valid for residents of the 48 contiguous United States (&DC), 18 years or older, who open new accounts. Cannot be combined with any other promotional offer. Offer good while supplies last.Limit one Gift Card per household. Customer must subscribe to Vonage for 61 consecutive days(during which time the account must remain active and in good standing)=11.5ptto receive the Gift Card. Allow up to 8 weeks after the 61-day requirement to receive the Gift Card. Terms and conditions are applied to Gift Cards. Vonage has the sole right to decide all matters and disputes arising from the Gift Card and all decisions are final. All taxes on Gift Cards are solely Customer's responsibility. Vonage is not responsible for any damage to the Gift Card sustained during delivery or product defects of any kind. In the event that the Gift Card becomes unavailable for any reason, Vonage reserves the right to provide a substitute of similar type and value.




Link
Gifts Deals
Tracking Business Expenses (Receipts/Invoices) For Audit Purposes
Added on : Sunday April 27th 2014 08:00:11 PM
g: 0 Posted By: robronson
Views: 21 Replies: 0 I've been looking around on different computer software forums with little success for a good solution on how to track business expenses. I would think things are much easier now that smartphones allow us to easily snap a picture of a receipt but I can't seem to find a good solution. I run a Mac on my personal computer and a PC at work. I'd prefer to do this on the Mac and iPhone if possible because usually an iPhone app will sync with a Mac version counterpart and my Mac is smaller/lighter so I use it more.

I want to be able to take a picture of a receipt, tag it with metadata like "food" or "dry cleaning" or whatever custom metatag I want to give it. I want to tag it with a client name like Client A, Client B, etc, also as a form of metadata. Ideally I could query it and pop out total cost of food expenses for the year for all clients, or total food per Client B, or total food between April and June, etc.

Right now I'm just snapping pictures using a PDF generator scanner app on the iPhone and on a weekly basis when I send off the receipts to the customer, I snap all the pictures at once into a single PDF and that's my week's expenses for Client A. Then I fill out a spreadsheet that the consulting firm uses that has the date, expense type, expense name, and amount. I send off the spreadsheet and the PDF and I'm good to go for the week.

The problem is I am basically a free agent that can go between various consulting firms every few months to serve as the intermediary and each has a different process. If I'm audited in 2 years, I'd hate to try to prove to the IRS that 30% of my weekly 1099 money was client-reimbursable expenses by busting out terribly organized PDFs and random spreadsheets in different formats. It wouldn't be terrible, but it would be messy and I believe if I was organizing things correctly the first time around there would be minimal added overhead up front but huge stress savings in the event of an audit. Also, I may decide to do all-expense (non-reimbursable) gigs in the future (I know it's a dumb idea for 99% of cases, but who knows) and being able to query old expenses in a logical way could help me estimate my costs.

I'm writing this post for two reasons:

1) Are there any good systems that handle this for an individual sole proprietor/small business?

2) What best practices do the financial wizards on here have regarding such tracking? This isn't a question I can ask on a software forum because those guys aren't crown vic driving badasses like the members on FWF. I may just wind up saving everything to PDFs organized in various folders with clever names to identify the client/trip. And then using Google Docs Spreadsheet with special tabs built out to handle tracking things. That gives me cloud backup as well. Seems like a dirty way to do it but if no good pre-made options exist, I'll go this route. If I do, what kinds of discrete data do I want to be able to query/track that I haven't considered?
Question Deals
g: 1 Posted By: conncarl
Views: 204 Replies: 2 linky

I don't know how many of you are in the same boat, but my tractor battery, which has been on its last legs for a year or so and needed constant charging, finally gave up and wouldn't take a charge when I tried to cut the lawn yesterday.

I was searching around for the cheapest replacement I could find, and it was looking like a DieHard for $36 or so. I decided to check AutoZone and found they had a Valucraft for $27.99. Lower CCA rating than the DieHard, but that's not important for my (fair-weather) use. To my surprise when I put it in my cart, an "$11.00 savings - L&G Battery" item popped up, and the price dropped to $21.99 including the refundable $5.00 core deposit.

That's an incredibly cheap price for a lawn and garden battery, enough so that if you need a 12-volt battery for hobby purposes or other use where a full-size automotive battery would be overkill, you should consider grabbing one.

Enjoy! Carl
Tools & Automotive Deals

AutoZone Coupons
Luau in Oahu
Added on : Friday April 25th 2014 08:00:12 AM
g: 0 Posted By: JOVIAL
Views: 38 Replies: 0 My family of 4 including me will be staying in Waikiki in June for five days. I want to take my children to a Luau. My wife and I did the timeshare 20 years ago to get a free luau but don't want to do that. After researching, I'm leaning toward getting a Go Card which includes a luau in PCC or Germaine. I checked Enterntainment Book with 25% off. Are there any better deals before I decide to go with the Go Cards?
Hawaii Deals
g: 0 Posted By: MisterTyson
Views: 214 Replies: 0 I had been looking for a tiny grill so I wouldn't have to deal with firing up the monster in the back yard for little things. Saw one posted here for $20 and decided to price check. Found this one at WalMart for $10 w/ free in-store pickup. Pretty good reviews.

Specs:(L x W x H): 12.6 x 14.2 x 12.0

Grill

Honorable mentions: $15 14.5" dome grills
Black
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smart and safe travel in Europe
Added on : Wednesday April 23rd 2014 06:00:12 AM
g: 0 Posted By: amp3d
Views: 8 Replies: 0 I usually travel abroad with USD to exchange at my destination, along with a back up credit card. I have been to Mexico, the Bahamas, Hong Kong, china, and Thailand, carrying my cash in this manner.
We will be going to France and Italy soon, and Idon't want to carry thousands in USD anymore. Stories of extreme pickpocketing and theft in Europe have me seriously concerned for the first time ever.
I have decided to rely more on cards with no foreign transaction fees since its just the smarter and safer approach. These will be:
Chase Marriott visa
Barclay arrival MC
Capital one 360 debit for ATM withdrawals.

Since the credit cards have no foreign transaction fees, I should always ask to be charged in the local currency right?
I think the capital one 360 debit card doesn't charge a currency conversion fee, but I'm not sure. I was thinking of only taking enough cash out for 1-2 days at a time. Is this efficient?
Free app for Android - Rick Steves Audio EuropeTM
Added on : Tuesday April 22nd 2014 04:00:12 AM
g: 0 Posted By: remick
Views: 105 Replies: 0 http://www.amazon.com/Rick-Steves-Audio-EuropeTM/dp/B0052VCXXE

Product Features
Travel Europe with help from Rick Steves' audio guides and maps
Download and listen to hundreds of audio guides for locations all over Europe
Choose from geographically-based playlists so you can focus on your personal travel plans
Enjoy access to maps that you can view on your phone or print from a computer
Remember that you need a Wi-Fi or cell phone connection to download new files to your device
Product Description
Rick Steves Audio Europe
The audio player is easy to use and often displays noteworthy images as you listen
Rick Steves Audio Europe
Deluxe content includes interviews with well-known literary figures
For more than three decades, Rick Steves has been teaching Americans how to travel independently and thoughtfully in Europe and beyond. His guidebooks, TV shows, and public radio broadcasts have become indispensable resources for self-motivated travelers. Now this audio app for your Android device makes it even easier to enjoy and learn from Rick's expertise.

European Travel, Rick Steves Style
Rick Steves Audio Europe contains hundreds of audio programs--including self-guided tours, podcasts, and radio interviews--that can help you enjoy your European trip to the fullest. The app organizes Rick's vast library of audio content into playlists that are location-specific, so you can enjoy easy access to information that relates to your personal travel plans.

If, for example, your trip starts in Lisbon, navigate to the app's Portugal section and choose from several relevant audio tracks. You might want to consult a 20-minute city guide to Lisbon, or you can expand your territory by listening to a longer "Touring Portugal" feature. Whatever you decide on, all the tracks are easy to access and boast professional production values.

Useful Tips, Entertaining Tales, Handy Resources
Many of the app's audio tracks provide general cultural and sightseeing information gleaned from Rick's public radio program, Travel with Rick Steves. Others lead you on self-guided tours among great sights and historic landmarks, with information excerpted from Rick's country and city guidebooks.

There are some great special features, as well: the "Notable Travelers" section, for one, offers Rick's interviews with such well-known literary figures as David Sedaris, Frances Mayes, Paul Theroux, and Bill Bryson.

Along with a huge selection of audio tracks, Rick Steves Audio Europe includes access to maps that complement many of the self-guided tours. The maps are in PDF format, and they can be viewed on your Android device or printed from any computer.

Download, Disconnect, and Go
This app uses a Wi-Fi or cell phone connection to download audio files, which are then stored on your Android device. Once you've downloaded a track, you won't need a Wi-Fi or cell phone connection to listen. (You will, of course, need a connection if you choose to add more audio tracks later.)

Since there's always plenty of downtime when you're traveling--relaxing at a hotel, say, or waiting for a train--you can take these opportunities to download more tracks. Or simply listen to interesting programs while you recharge.

Rick's audio guides are designed to entertain and teach, with the ultimate goal of making your European travels more meaningful--and more fun.
Totally Free Deals
Pats eco2SYSTEM Carbonator Bottle Starter kit $26.95 - FS on $45+
Added on : Monday April 21st 2014 05:00:02 AM
g: 0 Posted By: tedhawkins
Views: 17 Replies: 0 Pats eco2SYSTEM Carbonator Bottle Starter kit $26.95 - FS on $45+

http://www.tinytrekker.com/50pc1ltgkit/pat-s-eco2system-carbonat...

Description

Introducing the most environmentally responsible carbonated beverage system on earth! The carbonator bottle's organic form "feels" like it belongs in your hand... because it does! This elegant little addition to your gear list is engineered with an emphasis on rugged durability and simplicity of use. In its more docile state, it functions as your standard run of the mill water bottle (yawn). However, when you decide to kick it into high gear and unleash the technology hiding under its hood, you get a burst of crisp refreshing carbonation to energize the beverage of your choice. So no matter how far your wander lust leads you down the trail of your next adventure, you can still indulge your thirst for carbonated refreshment! Pats eco2SYSTEMcomes with everything you need to start making a wide variety of carbonated beverages anywhere on earth! It contains: 1 eco2LOGICAL carbonator bottle, an assortment of 5 beverage concentrates, and 6 packets of eco2ACTIVATOR powder. Lightweight, quick, and easy to use!

Whats included:

Carbonator Bottle
6 Activator Powder Packs
1 Terra Cola Concentrate
1 Ginger Trail Concentrate
1 Lemon Clime Concentrate
1 Bearfoot Root Beer Concentrate
1 PomaGranite Concentrate
Boat Repair Scam?
Added on : Thursday April 17th 2014 06:02:01 AM
g: 0 Posted By: joemah
Views: 127 Replies: 2 Morning FW,

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

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

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

Any similar experiences? Any other suggestions?

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

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

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

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

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

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

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

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

Has anyone else here considered early retirement? Or considered why it wouldn't be feasible for themselves?
Discussion Deals
Eye exam - Insurance says covered but billed for $311
Added on : Wednesday April 16th 2014 01:00:06 PM
g: 0 Posted By: netkicker2000
Views: 200 Replies: 3 Wife decided to get her eyes checked out. She doesn't use glasses or lenses she just wanted to have a routine eye exam to see if her eyes are still doing ok. She calls the insurance first to make sure it is covered. Insurance says it is. She makes an appointment with an eye doctor affiliated with one of the big hospitals. When she goes to the appointment before the procedure she also checks with the receptionist to make sure the eye exam is covered. She was told yes. Doctor says her eyes are ok there are no problems and no need for glasses or lenses. About a month later we received a bill in the amount of $311 after insurance. She calls the insurance finds out doctor did more than a routine eye exam for some reason and that's why it was $311. Calls the hospital explains situation. Hospital looks into it and sends a letter explaining it was not incorrectly coded so we need to pay. Is there anything we can do at this point? Does anyone have any recomendations/experience on how to fight this?
Question Deals
New Employer Retirement Plan - Quit and Rehire?
Added on : Wednesday April 16th 2014 12:00:05 PM
g: 0 Posted By: qualation
Views: 211 Replies: 7 Long time lurker, I'm 28 year old Male, $42k W2 with 5 years at company vested in pension. Currently get 23 days of PTO a year and have 9 weeks in the bank and max out at 9.5 weeks. Employer currently pays out 100% of PTO upon termination of employment, but almost definitely will change in next 6 months as outside consulting group works with company to save money. Through FWF techniques I'm hoping to retire at 35. I'm currently maxing 403B. Employer has been giving 1-2% raise annually. Don't believe I can be promoted any higher.

Employer recently change retirement plan. They made a Track A and Track B with everyone not vested in pension going to track B. I'm in Track A and don't have option to switch nor would I want to at this point. I know this sounds crazy, but I think I'm actually better of getting on the new employee track.

Track A
No 401A contribution or employer match
Pension: Monthly benefit decided by the greater of 1. $40/year up to 10 year or 2. 1%x last 7 year Average Annual Pay x Years of Service /12
Vested in Pension at 5 Years
Rehires join track B

Track B
401A contribution of the greater of 1. 3% of Annual Salary or 2. $1800
401A vested 100% after 3 years
Pension: Monthly benefit decided by the greater of 1. $20/year up to 10 year or 2. .5%x last 7 year Average Annual Pay x Years of Service /12
Vested in Pension at 5 Years

Up until the end of last year there was .5% match on 403b contributions up to 3% that has been cut for everyone.
Pension Plan before:Monthly benefit decided by the greater of 1. $30/year up to 10 year or 2. 1%x last 5 year Average Annual Pay x Years of Service /12

To get full pension you must wait till 65 and partial pension available at 55.

According to my math I'm better off on paper quitting and getting rehired on the new track if I work at company for at least 3 more years after that. I'm trying to come up with all the pros and cons of each. I worked part time for the 3 years so I'm definitely getting minimum benefit for next 5 years. I conservatively have at least 3 years savings and assuming I still have tenants could go closer to a decade without working.
Pros:
1. Current Pension locked in at $200/month and not subject to future pension changes
2. Cash out PTO at 100% ($7500ish approx.)
3. Don't have to worry about maxing PTO
4. Collect $1800 in 401A that can grow over next 37 years and hopefully be greater than $20/month annuity
5. New pension continues to increase every year, If I don't quit Year 11 will probably still be min. benefit and year 12 will be in the $430-450
6. If die after 3 years heirs get 401A money.

Cons:
1. Not vested in new pension for 5 years
2. Not vested with 401a money for 3 years
3. Lose 5 days of PTO a year for next 10 years
4. Will have 0 PTO for 2 weeks
5. May not get rehired
6. May get rehired at lower rate

I'm good at math and tried to assume I lived till 90 and used 25 Year annuity cost for the $20/month difference, but not exactly sure how much new plan would really save me assuming I only work 7 more years there and if it's really worth the risk. I'm hoping there's an actuary that can provide me some insight on life expectancy and other variables I may have missed.

Thanks for the help I've enjoyed reading this forum the past couple years.
Personal Finance Deals
Kindle Book: That Will Do Nicely $0.99 @ Amazon
Added on : Tuesday April 15th 2014 12:00:04 PM
g: -3 Posted By: BigReader
Views: 637 Replies: 3 That Will Do Nicely: A satisfying, fast-paced thriller where a sophisticated victim-less crime caper takes place in London, & are hunted by Scotland Yard & the American Secret Service across Europe.

Amazon Kindle Book
Regular price $3.99
on sale for $0.99

U.S. http://www.amazon.com/dp/B004183MXE
U.K http://www.amazon.co.uk/dp/B004183MXE
Canada http://www.amazon.ca/dp/B004183MXE
Australia http://www.amazon.com.au/dp/B004183MXE

That Will Do Nicely is a fast-paced thriller and is plot-driven. It concerns an ordinary man placed in extraordinary circumstances through no fault of his own. At his wifes request, he throws a party at their cottage and invites his wifes friends to attend. All perfectly understandable until the moment she plays mistress and takes her lover to the marital bed. The rest you can imagine. Tom, her husband, discovers her inflagrante delicto in the bedroom and throws wife and lover out into the street in front of her friends. Understandably, all three of them are suitably embarrassed and Theresa (the wife) determines to exact her revenge on husband Tom. However following the axiom about revenge being a dish best served cold, Theresa takes her time. Realising that she and her husband share the same initials Tom Pascoe and Theresa Pascoe she decides to apply for a credit card and runs up a huge bill under the name T. Pascoe.

Follow Tom ashetries to solve the mystery.





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Amazon Coupons
April Kindle Sale - That Will Do Nicely
Added on : Tuesday April 15th 2014 07:00:02 AM
g: 0 Posted By: BigReader
Views: 222 Replies: 1 That Will Do Nicely: A satisfying, fast-paced thriller where a sophisticated victim-less crime caper takes place in London, & are hunted by Scotland Yard & the American Secret Service across Europe.

Amazon Kindle Book
Regular price $3.99
on sale for $0.99

U.S. http://www.amazon.com/dp/B004183MXE
U.K http://www.amazon.co.uk/dp/B004183MXE
Canada http://www.amazon.ca/dp/B004183MXE
Australia http://www.amazon.com.au/dp/B004183MXE

That Will Do Nicely is a fast-paced thriller and is plot-driven. It concerns an ordinary man placed in extraordinary circumstances through no fault of his own. At his wifes request, he throws a party at their cottage and invites his wifes friends to attend. All perfectly understandable until the moment she plays mistress and takes her lover to the marital bed. The rest you can imagine. Tom, her husband, discovers her inflagrante delicto in the bedroom and throws wife and lover out into the street in front of her friends. Understandably, all three of them are suitably embarrassed and Theresa (the wife) determines to exact her revenge on husband Tom. However following the axiom about revenge being a dish best served cold, Theresa takes her time. Realising that she and her husband share the same initials Tom Pascoe and Theresa Pascoe she decides to apply for a credit card and runs up a huge bill under the name T. Pascoe.

Follow Tom ashetries to solve the mystery.





Books Deals

Amazon Coupons
Banks Refusing To Give Accounts To RVers With No "Home" Address?
Added on : Monday April 14th 2014 04:00:06 PM
g: 0 Posted By: robronson
Views: 159 Replies: 4 Question for my crazy uncle who is too paranoid to post on the internet himself (or he'll get hacked and all of his money will be gone). He's been retired for a few years and RVs around the country. Put his drivers license to a mail forwarding place that he read about on some RV forum. Apparently he's never been hassled with that address for anything (his income taxes, bank statements, credit cards, etc) and he calls them once a month to forward the mail to him at whatever campground he's at.

He tried to open a new bank account last week and they opened it for him. He's not as financially savvy as me, but I'm pretty sure his CHEX and all credit bureaus point to his mail forwarding address, based on the information he's told me. The account was opened and he had another bank cut a check directly to this new bank. The new bank got the check and now has decided the account is restricted because he doesn't have a residential address on file.

Everyone in my family has heard about this all week because he's complained to everyone about the new bank is holding his money hostage and won't return the check and he can't give them the information they want (some kind of a utility statement showing that he lives in his mail forwarding address that is on his drivers license). The bank is playing the Patriot Act card which only made my tin-foil hat uncle more fired up.

I'm not sure what to advise him. I find it strange that he already has (according to him at least), a few bank accounts (checking, saving, etc) with his mailbox address as his "home" address, he was somehow able to convince the DMV to put that address on his drivers license, and now this new bank won't give him an account. My uncle has always been a little nutty and suspect so I'm not 100% this is accurate but it seems reasonably legit from the questions I've asked him. What do you suggest I tell him?
Personal Finance Deals
withdraw money from Roth/Traditional for down payment
Added on : Saturday April 12th 2014 04:00:05 PM
g: 0 Posted By: faltutp
Views: 87 Replies: 8 Context: 1st time home buyer. Have Money in savings to pay for decided down payment for home.Both Wife and I have Roth and traditional IRA. Roth is open for 5+ years. My Roth has 2K Capital gain and 15K of my added contribution money. My wifes Roth has 7K Capital Gain and 15K of contribution money. My Traditional IRA has 6.5K of profit and 20K of contribution money. My Wifes Traditional IRA has 4K (with $850) loss. Besides this have 175K in my 401K and 10K in wifes 401KStock market has taken beating in last few months (as I am in high quality growth stocks) Both wife and me are in mid 30s.

Question: Should I/Wife withdraw from Roth or traditional IRA for part of down payment and keep more savings account money as it is (gets 0.85 interest rate). I know the annual max of 10K each from roth/traditional withdrawal limit. Also am aware that 1st money that will come out of Roth is contribution. If I pay down payment from savings I will still have 1+ year of expense cushion. Thoughts? Suggestions?
Investing Deals
Titanfall (Xbox One or PC) - $44.99 + FS @ Best Buy
Added on : Monday April 07th 2014 08:00:03 PM
g: 0 Posted By: st4rdust
Views: 149 Replies: 0 Best Buy has Titanfall available for $44.99 with free shipping.

Xbox One Link
PC Link

Positive reviews for both console versions can be found on their respective product pages. IGN gave Titanfall an 8.9/10 here,and Metacritic gave it an 86.

Enter Titanfall, a universe that pits small against giant, nature against industry and man against machine, from the people who brought you the Call of Duty series
Choose whether to play as elite assault Pilot or agile, heavily-armored, 24' tall Titans
Decide to either attack or escape on the fly, thanks to Titanfall's dynamic combat and movement system
Bring your A-game to the online battlefield that combines fast-paced action with the heroic set-piece moments of traditional Campaign mode
For 1 player; multiple players online

Xbox One Games Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 33 Replies: 0 http://www.amazon.com/gp/product/B00JGF7E04

You have landed in the right place my friend! My name is George Jenkins and I have spent my entire life in the back woods of good ol Tennessee makin Moonshine for my friends and family. Now that it is LEGAL I have decided to write this book so that YOU can start making fabulous Moonshine today!
You are going to get all my years of knowledge in this book as well as my top secret closely guarded recipes that will be sure to knock your socks off!
How to Make Moonshine - Master the Art of Making Moonshine from Home (A Preview)

* What is Moonshine? - You may have heard or Moonshine but lets explore EXACTLY what it is in order to find a better understanding on how to make it!
* History of Moonshine - Moonshine has a long and storied history. Lets take a walk down memory lane.
* Famous Moonshine Makers - I want to introduce you to the forefathers of Moonshine. You will learn about the pioneers of this tasty beverage!
* What do you need to make Moonshine? - Now its time to get down to the nitty gritty. Here we are going to get our hands dirty and start the whole process of making the Shine.
* How do I make Moonshine? - This is what you have all been waiting for. Youll learn the top secrets that have made me an award winning Moonshine maker.
* Moonshine Reeipes - Here I am giving you the top secret Moonshine recipes that I have used for many years to make the best Shine in all of the south!
Botched Root Canal & Crown Procedure
Added on : Sunday April 06th 2014 05:00:03 PM
g: 0 Posted By: helyn4
Views: 109 Replies: 1 Good Evening,

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

Any recommendations? How would I go about "asking" her to pay for something she is clearly responsible for but unlikely to help with?
Discussion Deals
g: 0 Posted By: mistadeal
Views: 242 Replies: 0 Morris home furnishings has decided to exit the electronics business and has put all related items at 40-70% off. Some good deals to be had on larger screen TVs. Dayton and Centerville OH locations only.

Unfortunately, deals are all in a picture that I could not upload to FW.

http://www.morrisathome.com/tvclosing/



Electronics Deals
g: 0 Posted By: ensignlee
Views: 298 Replies: 12 Hey y'all,Here's the situation. A few months back, I left my job in Dpt A in my company to join Dpt B, both because Dpt B was willing to pay me more and because it was something I wanted to do.

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

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

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

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

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

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

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

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

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

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

Thanks for the advice master FW negotiators!

~~~
P.S. Given the choice, I'd rather contract rather than take the full time position, as I don't think this company is particularly well run from top management. Also, taking contract allows me to be in a better position in case the company decides to just string me along and pay me my higher requested salary until they can find someone to fill my shoes. That's why I mentioned it first (along with the fact that my proposal to $112k salary from $80k then seems cheap in comparison).
Discussion Deals
REI - GoPro Hero 3+ Black Edition $319.89 w/Coupon Code SAVE20
Added on : Friday March 28th 2014 02:00:03 PM
g: 0 Posted By: acrochriscb
Views: 275 Replies: 0 I just received my $100 Gift Card from REI (for signing up for their REI Visa Card promotion) and decided to check and see if the GoPro Hero was on sale. No such luck. However, I did notice they have a save 20% off one item currently being promoted. So, I put the GoPro Hero3+ in my cart and applied the coupon code: SAVE20 and that brought my price down to $319.89. It wouldn't let me apply the gift card for some reason so I had to call REI order line and the sweet girl applied the coupon plus gift card bringing my final price down to $219.89 (but only if you have the $100 gift card from the Visa promo). Otherwise, the price is $319.89 which is still good, imo.

http://www.rei.com/product/867117/gopro-hero3-black-edition-came...

SAVE20

Cameras Deals

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

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

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


Discussion Deals
g: 0 Posted By: nwill002
Views: 70 Replies: 0 I decided to redeem my Southwest Rapid Reward Points for a trip to NYC for my fam of 4 on a 4 night trip. This is our first trip here and have not researched much about NYC yet but next step is booking a room for our trip in June. I'd like to be in a hotel in NYC within a reasonable distance to the subways. I have about 80K UR points which I just checked could be transfered into Hyatt gold points and redeemed at Hyatt Place New York/Midtown-South at a rate of 20K points per $329 a night for a total price of $1316. However I can also sell these points at a rate of 1.4 for $1120 so I'm essentially paying a discount of price of $1120 for a hotel that advertises for $1316.... seems like I can do better than this. My next step is to see what discounts I can find on the usual travel sites and Groupon. Any other suggestions for me to consider? thanks
Popular Destinations Deals
g: 0 Posted By: johnmayer
Views: 0 Replies: 0 Here my situation:

My bathroom drain got clogged in my apartment. Called maintenance, and set up a date for them to come and unclog it, (and told them there was about an inch of standing water in the sink). The date/time comes, and they never showed up. I call two hours after they were suppose to show up. The apartment office says they could get to my issue that day. I explain that it would have been a good idea to have called me to let me know they were cancelling. So now I re-schedule for the maintenance to come another day. Again I wait for them to show up, and same thing happens. They don't show up... and no cancellation heads up call. So I call them 2 hours after they were suppose to be there. They give the same excuse of "sorry, we just couldn't get to your problem today, we were busy". This did not make me happy. So I decide it time for me to take on unclogging the sink. So I resorted to using Lye drain cleaner (http://www.ebay.com/itm/New-ROOTO-Crystals-of-Household-Lye-Drai... since it worked really well in the past. After using it, the clog didn't go away. There was still about an inch of water sitting water in the sink. So for the third appointment that was made, they finally showed up and unclogged the drain. After the sink drained, there was what looked like filth from the unclogging/standing water. It wasn't that... it was worse. Apparently the Lye chemicals had risen up through the pipes and dissolved in the standing sink water... and started taking the finish off of the sink bowl. It look like it had melted it off/curdled the finish where the water was standing. (PIC ATTACHED). I called the property manager, explained that I didn't want to be liable for the damages on the sink due to their negligence and full knowledge that I had standing water. Property manager then bitched at me and said that her maintenance work got burned from the chemicals I used on the sink and that I should just try to clean "harder". Even though I explained that the finish was coming off.

So here's my problem...I want to get my deposit ($350) back when I move out in a month. Because I feel that if I didn't get (no showed/cancelled on) TWICE by the apartment maintenance crew/management, I wouldn't have had to resort to trying to unclog my bathroom sink myself... and the sink finish wouldn't be ruined.

Do I have any recourse? Do I have any options if they say they wont give my deposit back?

Thanks to all that respond!


Refurbished Microsoft Surface RT for $249
Added on : Friday March 21st 2014 07:00:02 AM
g: 0 Posted By: CodeVeroby
Views: 1 Replies: 0 Microsoft is offering the [URL="[L=http://www.microsoftstore.com/store/msusa/en_US/pdp/productID.27...]http://www.microsoftstore.com/store/msusa/en_US/pdp/productID.275706600"]Microsoft[/L] Surface RT for just $249[/URL] with FREE shipping and returns, and a 1 year warranty.

If you're on the fence regarding refurbished products, I've wrote a [URL="[L=http://www.refurbisheddesktops.org/buyers-guide-refurbished-desk...]http://www.refurbisheddesktops.org/buyers-guide-refurbished-desktops/"]refurbished[/L] products benefits guide[/URL] to help you decide. This is an awesome deal, I really hope you'll buy it rather than a new (ie: unboxed) full price item!
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/Unlimited-Streaming-Internet-your-Cable-eb...

Is it time for you to cut cable TV?


Millions of Americans have cut cable TV in the last few years. They enjoy more freedom, more control and more money. Are you ready to join them?

I have yet to meet anyone who has cut cable TV, that decided to go back. Im sure there are a few, but most find they enjoy the freedom, control and money that cutting cable TV gives them and never go back after they make the switch.

This is book three of the Keys to Cut Cable TV series.

Unlimited Streaming: From the Internet to your TV:


It gives you everything you need to know to stream from your computer or other devices directly to your TV.

Roku and media devices are great for easy streaming. However, with those, your options may be limited by the available channels. Streaming from a computer or other device gives you unlimited access to everything that is available on the internet.

It is just a matter of setting it up. For many people this is a very simple solution. For others it is a little more complicated. This book will lead you through your choices so that you can decide what you want, get what you need, set it up quickly and cut cable TV.

This book answers the following questions:

Can you hook your computer to your TV?
What do you need to hook your computer to your TV?
What types of connections will give you the best results?
Should you add a graphics card?

What about Chromecast?
What does it take to set up a Chromecast?
Chromecast vs other computer streaming options, which is better for you?

Do you want a dedicated computer for your streaming needs?

Wireless or wired connection, which is right for you?.
What is the best way to set up your wireless connection for HD streaming?
How do you set up a wired ethernet connection?

Do you want to add one or more pay streaming services?
Each has unique benefits, which one is right for you?

Get your copy of Unlimited Streaming: From thRoku and Media Devices: Easy Streaming today and cut cable TV in the next seven days

The keys to cut cable TV series gives you what you need to know to make your preferred cable cutting solution work for you. If you want information on all the best cable cutting options, in one place The CTRL+ALT+DEL Plan: Cut Cable TV in 7 days. features all the information in the Keys to Cut Cable TV series.

Whichever option is right for you. Isnt it time for you to Take Control, Find Alternatives and Delete your cable TV bill?
Totally Free Deals
g: 0 Posted By: bittul
Views: 91 Replies: 0 First click hereto activate 15% off all orders.

http://www.drugstore.com/swiffer-bissell-steamboost-steam-mop-st...

Click $5 coupon checkbox.

Note: 15% off is once per account, so if you want anything else, decide before you place your order.
Home & Garden Deals

drugstore.com Coupons
g: 0 Posted By: bittul
Views: 2 Replies: 0 First click hereto activate 15% off all orders.

http://www.drugstore.com/gillette-mach3-extra-comfort-shave-gel/...

Click $2 coupon checkbox.

Note: 15% off is once per account, so if you want anything else, decide before you place your order.

Also note, might want to add some more Gillette items, and stack it with the $5 off $30.
Details here: http://www.fullofdeals.com/forums/hot-deals/1350237/
g: 8 Posted By: remick
Views: 1379 Replies: 1 Bring Home The Butterflies Vol. I: How to Attract More Monarchs to your Butterfly Garden...and Keep Them There!
http://www.amazon.com/Bring-Home-Butterflies-Vol-Butterfly-ebook...

5.0 out of 5 stars (18 customer reviews)

Even though monarch butterflies are more common than most others, they are rarely seen in many of our butterfly gardens. But what if you could have hundreds of monarchs fluttering through your yard each summer?... or even dozens at once? Then imagine these magical monarch butterflies staying around for hours on end entertaining you with a spectacular aerial display. If this sounds like a dream, it is! But it's a dream that can happen if you're willing to try some new strategies in your garden. In this book I'll reveal:
Uncommon species of Milkweed plants
Tried and true Native plants
Annual plants that drive monarchs wild
Learn how Container Gardening and Vertical Gardening can be implemented into your butterfly garden plan
A new way to Water
Easy Garden Care that can have a huge impact on your results
Raising Monarch Butterflies is a fun and educational activity that will get kids excited about monarchs while increasing butterfly traffic in your garden!
Helpful Garden Resources to create your best monarch butterfly garden
This book is based on one monarch butterfly gardener's experience, along with helpful information harvested from other butterfly gardeners across North America.
The tips offered inside are the rarely shared secrets that have brought more monarchs to our butterfly garden than I ever thought possible! Large, colorful photographs are included to illustrate the exciting possibilities for your Monarch Butterfly Garden.



Garden Magic In Your Backyard!
http://www.amazon.com/Garden-Magic-In-Your-Backyard-ebook/dp/B00...

5.0 out of 5 stars (6 customer reviews)

Americas top garden experts provide you, the reader, with dozens of solutions to problems in your garden.
The how-to information is easy to follow and is garden-tested. In addition, comments and descriptions help the gardener select the right plant for the right spot.
Recommendations of specific cultivars help assure putting Garden Magic in Your Own Backyard.
Written by David Soper, a 40 year garden writer, lecturer and a past board member of The Northwest Perennial Alliance and Seattle Rose Society.


13 Easy Culinary Herbs To Grow In Containers
http://www.amazon.com/Easy-Culinary-Herbs-Grow-Containers-ebook/...


Garden Design and Landscaping - The Beginner's Guide to Successfully Landscaping a Garden ('How to Plan a Garden' Series)
http://www.amazon.com/Garden-Design-Landscaping-Beginners-Succes...

In order to create a fantastic looking landscaped garden, you need to know about what's involved and how much it's likely to cost you.
It can feel quite daunting tackling a garden either on your own or hiring landscape professionals to help. You may not even know if you want to DIY or hire someone. So, this book will explain what each stage of the landscape process involves, from the landscape design concept to creation, so you can decide which bits you do yourself.
In this book, professional, international garden designer, Rachel Mathews, from Successful Garden Design, will share over twenty year's experience as a designer and landscaping contracts manager. She will give you the low down on how to spot the good landscape designers and landscape contractors from the bad ones.


How To Grow Carrots, Growing Carrots Made Easy
http://www.amazon.com/Grow-Carrots-Growing-Made-Easy-ebook/dp/B0...


How to Build A Greenhouse And How To Garden In It: Discover How To Easily Build Your Own Affordable Greenhouse & Learn Some Key Secrets on How To Garden In A Greenhouse
http://www.amazon.com/How-Build-Greenhouse-And-Garden-ebook/dp/B...


Backyard Chickens for Beginners: Getting the Best Chickens, Choosing Coops, Feeding and Care, and Beating City Chicken Laws
http://www.amazon.com/dp/B0084HOC50




Books & Magazines Deals
Bank of America Statement Closing Date Mess
Added on : Monday March 17th 2014 06:00:07 PM
g: -1 Posted By: noelandres
Views: 92 Replies: 2 Hopefully someone can help me out with this question. My BoA checking account statements close on different days each month. I opened a chat with a rep. to try to get an answer as to how they decide when to close a statement. This information is useful for me, since I need to know the last day I can do an ACH push AKA "direct deposit" to waive the monthly fee. This is the conversation we had:

EDITED OUT SINCE FWF MADE A MESS OUT OF THE FORMAT

tlr: The rep. said that for me, the statement closes after 13th business days in the month. I guess for other members the statement closes in a different business day count (maybe depending on when the account was opened). The problem is that the 13th business day rule doesn't line up with the statement closing dates! The rep. said my statement will close on the following days this year:

February- 19
March- 20
April-21
May- 20
June-19
July-23
August- 20
September- 19
October- 22
November-18
December- 19

However, if you look at a calendar, and apply the rule of the 13th business day, you see that there's no match. For example, March. If I apply the rule, I get that the statement should close on March 19. Yet it closes on March 20!? And most troubling, November. How come in November the statement closes on the 18? The earliest it can close is on the 19th, and that is ignoring Veteran's Day (November 11). If we don't count that as a business day, then the statement closes on November 20th. So, if anyone understand this rule, please let me know.
Personal Finance Deals
g: 0 Posted By: robronson
Views: 98 Replies: 2 This is a warning not to make it obvious you are gaming the system as well as informative as to a specific new landmark court ruling. After reading the specifics, I believe the case would have resolved differently had it not been thoroughly obvious he was gaming the system.

In this case, Mr. Bobrow attempted to game the 60-day indirect rollover rule for IRAs that lets you "borrow" from your IRA by doing a distribution and paying it back into a different IRA within 60 days without penalty or tax consequence. IRS Publication 590 specifically states this can occur only once on a 12 month period per IRA account, which means, per Pub 590, if you have multiple IRAs at different places, or multiple IRAs within the same custodian, then the once-per-12-month limit applies separately to each.

The specifics of the case are as follows, "On April 14, 2008, Mr. Bobrow withdrew $65,064 from one of his IRAs. On June 6, 2008, he withdrew $65,064 from his other IRA. On June 10, 2008, Mr. Bobrow used that money in an attempt to complete a rollover of his first IRA distribution. On July 31, 2008, [His Wife] Ms. Bobrow withdrew $65,064 from her IRA. The money was used in an attempt to complete a rollover of Mr. Bobrow's second IRA distribution.

Finally, on Sept. 30, 2008, $40,000 was moved from a non-IRA account to Ms. Bobrow's IRA [to complete that third rollover, although he didn't have the full $65,064 in liquid cash so only paid by $40k of it but if he had the liquid cash, he likely would have moved the full amount back]."

The court ruled that all IRAs must be counted as one IRA regardless of how many custodians or separate accounts they are in, so only the first IRA rollover was permitted under the 12-month rule period and the other 2 were taxable and penalty-inducing distribution events.

In my mind, had he not done EXACTLY $65,064 in FIVE separate transactions that were so close together, it wouldn't have been so blatantly obvious that he was gaming the system. Maybe if he took out $50k the first time (a nice round number) and then $60k from the second account on distribution #2 to pay back the $50k, and then $50k from the third distribution (plus the $10k he had extra from the second), then it wouldn't have been so obvious and the IRS might not have sued.

The moral of this story is, when you're doing something that's "legal" or "seemingly legal" as per some IRS guidelines, if you're violating the intent of that law, then don't make it obvious you're doing so or you will piss off the people who realized you are getting one over on them. Realistically, the IRS processes so many documents each day that the only reason this came up was because some government bureaucrat noticed the $65,064 number written FIVE TIMES, thought it seemed fishy, looked into it, and then one of the bosses decided "screw this guy, he's trying to get one over on us." Since the IRS Pub 590 does allow what Bobrow did, there was likely no automated algorithm in place to catch this. It was just some curious looking transactions that caught the attention of someone.


http://www.investmentnews.com/article/20140316/REG/303169996

g: 0 Posted By: robronson
Views: 108 Replies: 3 I started working this year through a third party consulting firm as a 1099. I pay for all of my business expenses and bill the consulting firm for them, as well as my hours and the consulting firm pays me and then bills the client. In return, the consulting firm takes around 10% but it's worth it for me because they help find me work and deal with getting vendor status at clients.

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

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

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

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

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

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

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

Are any of these 3 situations possible or is there a standard way for this to be done? I really don't want to ask and risk them deciding to change their policies to Option 2 to be "safe" for themselves.
Discussion Deals
Just turned 18, living on my own. Any financial advice?
Added on : Saturday March 15th 2014 12:00:07 PM
g: 0 Posted By: tayumi
Views: 15 Replies: 0 Sorry this is so long but please read the whole thing because everything is just really complicated

My situation right now is that I'm a high school senior, I work part-time (getting $300 a month), my mother owned the house where I live in (I say "owned" because she passed away a few days ago. The house will automatically go to my older brother, who has no use for it as he lives in a different state, so he plans on signing it over to me). It's a duplex, so right now there's a renter on the other side paying $600 a month, while I'm paying $690 a month for mortgage, $30 for water, and.. well honestly I don't know how much electric is. That, and I can probably live off about $40 a month for food, plus or minus some.

My mom owed a lot of money to people, so whenever any of her bank accounts went over about $400 they'd garnish her money. I had to have a bank account when I started my job, and being only 17 then, it had to go under her name, or she had to cosign it or something. I think in November, actually, they took about $230 from my account. Will this happen again? My card from them says her name and I've yet to talk to my bank account about this (actually it's a credit union but it's basically the same thing. I should be talking to them I guess but they're closed on weekends).

That being said, her credit rating was pretty low - about 580. So obviously the mortgage interest rate, which still has 25 years to go, is very high. It's a $70,000 house where I have to pay almost $700 a month for 30 years. I don't know the exact rate, but it's a lot that could be cut in half with a good credit score. The thing is, I have NO credit, and at this point I don't think I can afford getting credit because that would involve buying stuff, and I can't afford to pay back for the stuff that I buy, if that makes any sense.

Also, I'm guessing I'm going to owe her car too, and honestly I don't know anything about car ownership other than expensive, complicated, paperwork. I don't even have a driver's license, all I have is a permit.

Since I only get $900 a month of income, would I be eligible for foodstamps? How would I go about getting that?

Even though I'm a high school Senior and I AM college-bound, I'm taking a gap year to get everything settled down, then after that, well.. I don't know what to do with my pets, but then I'm going off to college and probably renting out the other side of the duplex, so I'd get $1200 a month from there ($1100 if I decide to be nice). Does this overall seem like a good idea?

That's about all the issues I can think of. I'd greatly appreciate any advice and suggestions!
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g: 1 Posted By: remick
Views: 88 Replies: 0 Bring Home The Butterflies Vol. I: How to Attract More Monarchs to your Butterfly Garden...and Keep Them There!
http://www.amazon.com/Bring-Home-Butterflies-Vol-Butterfly-ebook...

5.0 out of 5 stars (18 customer reviews)

Even though monarch butterflies are more common than most others, they are rarely seen in many of our butterfly gardens. But what if you could have hundreds of monarchs fluttering through your yard each summer?... or even dozens at once? Then imagine these magical monarch butterflies staying around for hours on end entertaining you with a spectacular aerial display. If this sounds like a dream, it is! But it's a dream that can happen if you're willing to try some new strategies in your garden. In this book I'll reveal:
Uncommon species of Milkweed plants
Tried and true Native plants
Annual plants that drive monarchs wild
Learn how Container Gardening and Vertical Gardening can be implemented into your butterfly garden plan
A new way to Water
Easy Garden Care that can have a huge impact on your results
Raising Monarch Butterflies is a fun and educational activity that will get kids excited about monarchs while increasing butterfly traffic in your garden!
Helpful Garden Resources to create your best monarch butterfly garden
This book is based on one monarch butterfly gardener's experience, along with helpful information harvested from other butterfly gardeners across North America.
The tips offered inside are the rarely shared secrets that have brought more monarchs to our butterfly garden than I ever thought possible! Large, colorful photographs are included to illustrate the exciting possibilities for your Monarch Butterfly Garden.



Garden Magic In Your Backyard!
http://www.amazon.com/Garden-Magic-In-Your-Backyard-ebook/dp/B00...

5.0 out of 5 stars (6 customer reviews)

Americas top garden experts provide you, the reader, with dozens of solutions to problems in your garden.
The how-to information is easy to follow and is garden-tested. In addition, comments and descriptions help the gardener select the right plant for the right spot.
Recommendations of specific cultivars help assure putting Garden Magic in Your Own Backyard.
Written by David Soper, a 40 year garden writer, lecturer and a past board member of The Northwest Perennial Alliance and Seattle Rose Society.


13 Easy Culinary Herbs To Grow In Containers
http://www.amazon.com/Easy-Culinary-Herbs-Grow-Containers-ebook/...


Garden Design and Landscaping - The Beginner's Guide to Successfully Landscaping a Garden ('How to Plan a Garden' Series)
http://www.amazon.com/Garden-Design-Landscaping-Beginners-Succes...

In order to create a fantastic looking landscaped garden, you need to know about what's involved and how much it's likely to cost you.
It can feel quite daunting tackling a garden either on your own or hiring landscape professionals to help. You may not even know if you want to DIY or hire someone. So, this book will explain what each stage of the landscape process involves, from the landscape design concept to creation, so you can decide which bits you do yourself.
In this book, professional, international garden designer, Rachel Mathews, from Successful Garden Design, will share over twenty year's experience as a designer and landscaping contracts manager. She will give you the low down on how to spot the good landscape designers and landscape contractors from the bad ones.


How To Grow Carrots, Growing Carrots Made Easy
http://www.amazon.com/Grow-Carrots-Growing-Made-Easy-ebook/dp/B0...


How to Build A Greenhouse And How To Garden In It: Discover How To Easily Build Your Own Affordable Greenhouse & Learn Some Key Secrets on How To Garden In A Greenhouse
http://www.amazon.com/How-Build-Greenhouse-And-Garden-ebook/dp/B...





Books & Magazines Deals
Free Kindle Book- Reasoning by Association (was $17.95)
Added on : Saturday March 15th 2014 01:00:07 AM
g: 0 Posted By: remick
Views: 203 Replies: 0 http://www.amazon.com/Reasoning-Association-Diana-Kanecki-ebook/...

Introduction
I would like to share the philosophy, methods, and practices that I use in reasoning and problem solving, and these methods cross into many areas, and can be applied to many fields as personal, business, or technical. The primary basis of the practice is to allow you mind to see all the possibilities and to coordinate what you have seen into a directed result or thought. The processes used involve using both your left and right portions of your brain, and synthesizing the interactions of the two.

The history of reasoning is based upon a single idea that was refined through many years. The Ionian culture was the first people to realize that any process one performs is based upon a organized method. From this premise, they were able to write down the rules for geometry, mathematics, logic, medicine, language, and music. The interesting point is that Renaissance was based upon the new acceptance of their premise and the finding of the books and papers. One person, Descartes, followed the Ionian premise and wrote a book on the problem solving method, "Rules for the Direction of Mind." This book was written when he was young man, but it was not published until a few years after his death for fear of the ruler's response. This fact shows reasoning was used as a weapon by an elite group of people. After his death, more people began to break the reasoning wall that rulers used over the ruled. As a result of this, new people began to explore reasoning. Babbage thought that if a process could be documented then it could be automated. To explore this, he decided to automate the calculation of various mathematical functions. In addition, he enlisted the help of Ada Lovelace to develop the method of translating human processes to machine processes, programming. Also, they realized that the analytical engine could be used to simulate various actions as opposed to only calculating various functions.
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Amazon Coupons
g: 0 Posted By: 740il
Views: 177 Replies: 4 Hi, I was looking for a pre-owned 07-08 Range Rover with high miles that has the Luxury pkg/Cooled seats feature and I found one online at a dealer in FL (I live in PA). They mention on their websitethat the vehicle has "Heated and cooled front & rear seats".

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

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

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

I've saved pictures of their vehicle and the other comparable vehicle and marked the difference. I also saved pdf printouts of the vehicle description and the photos from their website. I called the credit card company and setup a dispute. They started one but weren't sure if it will go through since I signed a contract that says all deposits are non-refundable under any circumstances but they will try anyway. I also filed a complaint on the florida attorney general's website. Do you think I've done enough or anything else remaining? thanks
Question Deals
g: 0 Posted By: actionjbone
Views: 551 Replies: 0 http://www.microcenter.com/product/414303/Wireless_Solar_Keyboar...

Usually sells for $50+ at Amazon and other major sellers, MSRP $60. No indication it's anything other than new.

I ordered the last one in stock at that price from my local store (Rockville), but other B&M stores may still have it, or you can have it shipped (add $6 for shipping).

EDIT: In spite of the web site not saying so, I got to Micro Center and learned it's REFURBISHED, not new. Decided to get it anyway, and it works fine, but it wasn't the same great deal I was expecting.
Keyboard & Mouse Deals
W2 vs 401k contribution
Added on : Thursday March 13th 2014 06:00:10 AM
g: 0 Posted By: ksuwldkat
Views: 137 Replies: 2 I am self employed and am trying to determine how much W2 wage I should take for 2014. As part of the growth process of our business, my partner and I decided to be taxed as an S corp and take wages. I had originally decided to take a wage of 75k. Then I realized I would not be able to reach the maximum 401k contribution for the year if I did this. Can someone check my math?
75k wage
employee contribution 17,500
employer contribution (0.25)75,000=18,750
Total contribution= 36,250
So I would be short of the 52,000 limit by 15,750

if I wanted to reach the 52,000 limit I would have to give myself a 138,000 wage
138,000 Wage
employee contribution 17,500
employer contribution (0.25)138,000=34,500
Total contribution=52,000

The downside of this is that it looks like I would owe an additional $7,035 in FICA tax (63,000(2.9%) medicare and 42,000(12.4) ss)
Do these numbers look right? Is it worth it to pay the extra FICA tax and make the retirement contribution? I will be in the 35% or 39.5% bracket this year.
Tax Deals
Effort/Risk to Reward Analysis of 2014 FWF Techniques (such as MS)
Added on : Thursday March 13th 2014 05:00:15 AM
g: -1 Posted By: robronson
Views: 76 Replies: 3 I'm big on calculating effort-reward ratios to determine if something is worth my time. I also factor risk in there. It seems like most of the things being done in 2014 on FWF have substantial risk with lots of effort involved to receive the reward.

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

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

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

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

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

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

Everyone's personal value of their time, risk tolerance, and personal situation will be different so you need to decide for yourself what's worth doing and what isn't.
Discussion Deals
Free Ebooks 3-12-14
Added on : Wednesday March 12th 2014 04:00:09 AM
g: 0 Posted By: jhall1822
Views: 97 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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

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

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

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

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

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

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

A serial murderer nicknamed the Blood Dahlia has been terrorizing the quiet suburbs of Pennsylvania. Brutally mutilating his victims in the fashion of the most famous murder in Hollywood, the killer leaves no trace behind.
The FBIs elite Behavioral Science Unit, the section responsible for the study and investigation of serial murder, has little evidence to go on. Believing the killer to be beyond their reach, the agents in the BSU decide they must simply wait for the killer to make a mistake until they meet Sarah King.
Sarah, a mysterious outcast of the Pennsylvania Amish community, claims she has a unique ability: she can speak to the dead. And the victims of the Blood Dahlia are calling out to her.
When the FBI enlists her help, special agent Giovanni Adami is skeptical of her abilities, but begins falling for the young woman. His feelings for her are clouded with his distrust of psychic phenomena, but as the Blood Dahlia grows in his barbarism, he knows the FBI has little choice but to explore every avenue available.
Whether or not Sarah can speak with the dead ultimately doesnt concern Giovanni. He is interested in results, and when Sarah begins providing some, he must question everything he knows about the world and his place in it. She is either the cleverest fraud he has ever met, or a true psychic with an unexplainable gift.
But when the Blood Dahlia takes an interest in Sarah personally, it will take every ounce of strength she has to survive. And as she prepares for him to come for her, she realizes that not everyone is what they seem
Totally Free Deals
Lowe's, 2 cu. ft. Red/Brown Premium Mulch, $2/bag
Added on : Tuesday March 11th 2014 06:00:03 PM
g: 0 Posted By: mrbargain
Views: 27 Replies: 0 Link to Lowe's website description

Note: Please check online if on sale at your location. Doesn't seem to be nationwide.

I noticed on the Lowe's website for the La Habra, CA store that mulch was on sale for $2 for a 2 cu. ft. bag (regular price $3.33). Went to the store and noticed that it wasn't marked on sale. The garden department person said that, based on the info he received, it wasn't going on sale until 3/20. I decided to check with Lowe's customer service. The cashier looked it up and said that the sale price was already in the computer. She thought it might be nationwide, but wasn't sure. I bought a few bags at the sale price.

When I got home I decided to check some random locations nationwide. Based on my quick check, this sale does not seem to be available at all Lowe's nationwide...mostly at stores in warm weather states.
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Lowe's Coupons
Free Ebooks 3-11-14
Added on : Tuesday March 11th 2014 09:00:08 AM
g: 0 Posted By: jhall1822
Views: 1 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

Freedom from Luggage: Packing Light to Simplify Travel
Rating - 4.8 (5 Reviews)

Travel without luggage. Really. Without luggage!
We first enjoyed packless travel while celebrating our retirement with two months touring New Zealand. Having escaped the many burdens of luggage, we offer you the same opportunity.
Learn step-by-step how to develop an efficient collection of travel clothes. Discover new ways to carry the few accessories we really need. You can be ready for most occasions and weather with a minimum of clean, fresh, wrinkle-free extra clothes. The goal: avoiding the hassle of even a roll-around carry-on.
Recognizing that some situations like cruises require some luggage, we also offer strategies for determining when you really need luggage and when you dont. Then we describe how to minimize any luggage you take.
We invite you to experience the freedom of packless travel.

Travel Resolutions: 52 New Ways to Experience Planet Earth
Rating - 4.3 (3 Reviews)

Every day is a good day to make a resolution. Let Lonely Planet help you celebrate travel and create your ultimate travel wish list. Our FREE ebook Travel Resolutions: 52 New Ways to Experience Planet Earth features some of the most inspiring travel experiences from the travel experts at Lonely Planet. Paraglide in South Africa; rock climb in China; sleep in a tree-house on Canadas Vancouver Island; take a cooking course in Jordan or a flower-arranging course in Kyoto; go clubbing in Berlin; and much more. The 52 experiences introduced in this planning ebook will whet your travel appetite and help you to decide which promises to make and inspire you to keep them all. Begin your journey now!

Beginners Guide to Fly Fishing
Rating - 5 (1 Review)

In many cases an anglers life proceeds in a series of stages. To begin with he goes in for the simplest way of catching fish because at that stage his sole outlook is to deceive as many fish as possible at each outing, irrespective of the size or lack of cunning of such fish.
Later the angler may well find that he feels an urge to try something more difficult in the way of either fishing methods or fish.
Gradually he finds that there can be immense satisfaction in catching fewer fish, but of better size, possibly through mastering a more difficult method of fishing which, when he started fishing, seemed beyond his skill.
Eventually, having tried out various methods among various fish, most enthusiasts settle down to one, or perhaps two methods and apply them to the pursuit of one or two kinds of fish.
You have of course, exceptions. There are those who are dedicated to coarse fishing with bait and who would not waste time going after trout or salmon. You have the trout or salmon Fanatics who would not fish with bait for any fish and who have no interest in coarse fishing. Then there are the few who divide their time between coarse and game fishing.
For myself I am a trout and salmon addict and nowadays I fish only with the fly. That does not mean that I do not admire those who fish for other fish in other ways. Indeed I think that the coarse fisher of the English waters is worthy of the greatest admiration as a very sporting gentleman who goes to immense trouble and expends great skill to catch fish, all of which he returns to the water. What could be more sporting than that?
In my own case I caught my first trout on fly and it was at a later date that I enjoyed flood fishing with the worm.
So with salmon-my first fish was on a fly and it was in later years that I learned spinning with the difficult centre-pin reel and then went on through almost all the spinning reels that were manufactured. Eventually I turned to the fly completely for the simple reason that I love fly fishing better than any other method I have tried.
Today, as I see it, too many beginners buy a fixed-spool reel, find it simple to work and then, gaining an impression that fly casting is difficult, they go on bait fishing or spinning even though they feel they would like to try the fly.
I am not going to say that there is anything wrong in this but I do feel that many of our younger anglers today would like to try fly fishing if only they had someone to guide them at the start.
If in this way I can help even a few anglers to share the joy and the satisfaction that fly fishing has given to me over the years I will have been amply repaid.

Move the Ball: How the Game of American Football Can Help You Achieve Your Life Goals
Rating - 5 (2 Reviews)

Move the Ball draws parallels between football and life. The two are very similiar in that the principles needed to win the game of football are the same principles you need to win the game of life. Football teaches you how to use the strategies of the game to tackle any obstacle, beat any blitz, and overcome any blindside on lifes field. No matter what the situation, football provides you with the tools necessary to scramble through a field of defenders, move the ball forward, get into the end zone, and achieve lifes goals.
Achieving lifes goals comes down to this: hard work, teamwork, discipline, and dedication. In both situations, these principles build the conviction to drive that ball into your end zone and score. Defenders on your personal field intentionally want to stop the ball and limit your movement. You must recognize these defenders exist and have a plan to outmaneuver them. This book teaches you how to recognize the blitz, adjust to the blitz, and beat the blitz.
In football and in life, the players need to define the goals, invent the playbook, and execute the plays. Move the Ball draws upon the football playbook to show you how to do this and realize your dreams. Great players dont settle for being ordinary. They have a strong belief in themselves and strive to be extraordinary. They have M.A.D. P.R.I.D.E. This book shows you how you can use the elements of M.A.D. P.R.I.D.E. to overcome any obstacle and win.
As human beings, we need challenges to value our accomplishments; to experience the joy and elation of winning against obstacles. A great persons true character is displayed when he is able to face adversity, persevere, and accomplish his goals.
Life is about happiness. You only live once, so make every minute count. Life is about never giving up. Dont stop playing the game until its over. Life is about getting into the end zone and winning. You will achieve greatness.
The time is now for you to make the change. Are ready to move the ball?

Bow & Arrow, Archery Set for Scouts (Illustrated How to Build Guide #1)
Rating - 4.2 (23 Reviews)

This is a simple and illustrated, HOW-TO guide for an economical and environmentally friendly, Archery Set.
The materials used are bamboo, reed grass, and recycled man-made materials found easily around the world most prominently in third-world countries.
This guide will allow scouts in all economic situations to learn gadget building skills and archery, hence reinforcing the idea that Scouts Build a Better World.
Hopefully, experienced archers will find this guide entertaining and challenging, allowing them to expand their creativity and handicraft skills.
The author envisions a series of guides that serve to further enhance the development of scouts archery skills, while teaching them rudimentary survival tactics that they can both enjoy and benefit from.

HOW TO MAKE A WEBSITE OR BLOG: with WordPress, WITHOUT Coding, on your own domain, all in under 2 hours! (THE MAKE MONEY FROM HOME LIONS CLUB)
Rating - 4.4 (44 Reviews)

Learn how to make a professional website or blog on your own domain in less than a couple of hours, and learn how to do it all using the Internets most popular Content Management System: WordPress.
No coding knowledge is required to use WordPressif you can use Microsoft Word, you can make a professional website with WordPress (WordPress is software that is completely free).
It is all taught in step-by-step lessons in this book (with links to supporting video lessons for extra clarity - the video lessons show you the entire completion of mikeomarwebsites.com from beginning to end).
With the lessons taught in my book, you will be able to create any type of website that you want with any kind of look that you want, from personal blogs to professional business websites to e-commerce websites.
Also, included as a bonus chapter, an introduction to how to build passive income websites using WordPress, and how making money online actuallyworks!
Here are the topics covered in my book:
TECHNICAL / SETTING UP:
The SMARTEST and CHEAPEST way to buy a domain.
The SMARTEST and CHEAPEST way to buy a hosting package.
Linking your domain to your hosting account and installing WordPress.
BASICS:
An introduction to WordPress and best Search Engine Optimization (SEO) settings for your website.
How to add pages for regular websites.
How to add posts for blogs.
How to add pictures and links.
How to set up a sidebar using widgets.
How to change the look of your website with different themes.
How to add a contact form, plugins, and social media buttons.
ADVANCED:
How to install Google Analytics for tracking.
How to add buy now PayPal buttons.
How to add an interactive Google Maps map to your website.
How to set up a mailing list / newsletter (and best practices for doing so).
How to protect your website from hackers, malware, and other viruses.
Resources for e-commerce websites, doing keyword research, doing link building and SEO, affiliate marketing, membership websites, outsourcing, video recording, and more!
AN INTRODUCTION TO MAKING MONEY ONLINE:
What are some of the most common methods for making money online?
What is the simplest way to make passive income online?
If I want to make money online, where do I start?
The Structure of a $1,000 per Month Passive Income Website.
Credit Card lineup, thoughts?
Added on : Saturday March 08th 2014 12:00:10 PM
g: 0 Posted By: interestedinfw
Views: 180 Replies: 0 So, I decided to start applying for CC since I only had Penfed Cash Rewards card. So, with a 780 credit score (now 720 after all these openings...), I opened the following:

Penfed Cash Rewards Plat (already had - 18k limit)
Chase Sapphire Preferred 18k
Chase Ink Visa Signature 18k
Amex Blue 7k
Discover IT - 7k
Wells Fargo Visa Signature 6k (for promo)

Thoughts? Hopefully this is a good lineup, I need to rebuild my credit back up though next round looking at Fidelity 2% amex.
Credit Deals
question: auto accident/ contesting repair estimate
Added on : Saturday March 08th 2014 01:00:05 AM
g: 0 Posted By: rasheedaas
Views: 64 Replies: 0 Pulling out of a parking space, I pulled into the path of a vehicle. My fault. I checked my mirror, but did not check the blind spot.
Cop was called, ticket and points issued to me.

I looked at the other vehicle, she had a few scratches on her bumper, no dents, a few scratches.
I'm thinking I got off light, and told her let's do this without insurance.
so she sends me an estimate of over $1000. cuz she needs a new bumper.

I don't think she needs a new bumper.
I now have the option of going thru my insurance company and higher rates.

but I'm wondering is there no way to contest this estimate?
Isn't there some standard of reasonableness?

suppose she decides she needs a new paint job, cuz the new bumper doesn't match? Am I responsible for that too?
Personal Finance Deals
GM Card (from Capital One) Conversion Dilemma
Added on : Friday March 07th 2014 08:00:13 AM
g: 0 Posted By: trp2525
Views: 149 Replies: 1 I currently have the GM World MasterCard from Capital One. I have had the card since 1992 when it first came out. In 1992 I originally had the regular GM MasterCard, got upgraded to the GM Gold MasterCard at some point later on and then was further upgraded to the GM World MasterCard. I fall under the "old" program rules for this card which gives me 5% back towards the purchase or lease of a GM vehicle on up to $10,000 in purchases per year ($500 in earnings per year). I can accumulate earnings over 7 years for a total of $3,500 and I have no redemption limits based on the vehicle I choose to purchase or lease. After 7 years my earnings expire on a month-to-month basis. Right now I have $3,500 in earnings and I am losing earnings monthly as I have a total of 7 years of earnings accumulation.

I noticed that recently (October 2013) Capital One started offering a new GM World Elite MasterCardwhich had terms that were much better for my situation. The new card gives you 5% back on up to $5,000 in purchases per year and then 2% on all purchases over $5,000 with no limit on how much you can earn per year. The new card also has no redemption limits per vehicle and the accumulated earnings do not expire. You also get the World Elite MasterCard benefits package with this new card.

I called regular customer service to inquire about converting to the GM World Elite MasterCard and was told I was eligible for the conversion. I was transferred to the "Redemption Department" to find out the details as to how my current $3,500 in earnings would carry over to the new card. I was informed that only $500 in earnings would carry over to the new card and that I would have to forfeit the other $3,000. I decided to decline the conversion. It was suggested to me by the "Redemption Department" that I wait until I redeem my current earnings with my next GM purchase or lease and then do the conversion to the new card.

I later contacted Capital One Executive Offices regarding my situation and was told that there was nothing that they could do for me. They thanked me for being a GM Card holder for 22 years but the $500 earnings carryover limit to the new card was set in stone by their agreement with General Motors and they could not do anything else for me.
Credit Deals
Free Ebooks 3-7-14
Added on : Friday March 07th 2014 07:00:11 AM
g: 0 Posted By: jhall1822
Views: 226 Replies: 0 Note: Please make sure these Ebooks are still free as they are not guaranteed at any price! I am only posting 4+ rated books from FreeEbooksToday.com

Six Seconds
Rating - 4.6 (78 reviews)

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

RATS
Rating - 4.8 (14 reviews)

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

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

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

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

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

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

~Her whole life, it had just been the two of them. Before her mothers last breath, she gave Camille the information she had craved her entire life: the identity of her father. Daring to contact him, Camille was welcomed by an entire family she never knew existed. But nothing comes without a price, as she discovers when her family claims a legendary heritage tracing back to a Centaur touched by Zeus.As she learns the secrets of her Centaur bloodline, she is drawn into a forbidden love with Drake. Her family acknowledges her life may be the blood debt required to pay for her mothers transgressions. The same person who once held her mother captive, and forced her into decades of hiding, now controls Camille. Her only chance is to seek a piece of her mothers past that will win her freedom and the life she desperately desires.
Totally Free Deals
Amazon MP3 Buy 2 Get 1 Free
Added on : Thursday March 06th 2014 08:00:05 PM
g: 0 Posted By: chrislk1986
Views: 144 Replies: 0 I've got Amazon MP3 homepage set as a favorite. I Literally clicked it at 10:13pm to check out the $5 albums. I opened another tab at 10:15pm, clicked on the Amazon MP3 link again and a buy 2 get 1 free promo showed up.

Not sure if it is targeted, random, or just decided to launch at 10:15.

Amazon MP3 B2G1

You may be able to get 3 albums cheaper or for the same price as 3 of the $5 albums. haven't check out the deals yet.

Music Deals

Amazon Coupons
g: 0 Posted By: Yuyak
Views: 348 Replies: 5 Xbox 360 ($60 - $60 MIR = $0):
Link w ww.n ewegg.com/Product/ComboDealDetails.aspx?ItemList=Combo.1592052
PS3 ($60 - $60 MIR = $0):
Linkw ww.n ewegg.com/Product/ComboDealDetails.aspx?ItemList=Combo.1592055
Xbox One ($70 - $60 MIR = $10):
Linkw ww.n ewegg.com/Product/ComboDealDetails.aspx?ItemList=Combo.1592056
PS4($70 - $60 MIR = $10):
Linkw ww.n ewegg.com/Product/ComboDealDetails.aspx?ItemList=Combo.1592058




Again, it's TotalDefense rebate so you can decide whether you want to do it or not. Personally, I've been 6 for 6 with their rebates so I have no qualms, but I know a lot of people don't like it for some reason. If you're new to TotalDefense rebates, here' the deal - you have to register the product with a valid credit card. This signs you up for a free 1yr subscription to the product and will auto-renew after the 1yr. You can cancel the auto-renew online at anytime (I do it immediately after I register) and it won't affect your rebate. You DO NOT need to actually install anything on your computer. Also, even if you've done a TotalDefense rebate in the past, you can do it again if the offer code is different. Usually Newegg and TigerDirect has different offer codes and there's a new offer code for each retailer every month. Remember, just like any other mail-in rebate offers, you should make a scan or take a picture of everything you send in.
Video Games Deals

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

As you read, you'll have the option to read two completely different perspectives on each life lesson.You can start with the artistic account written by Seth, bass player for the southern rock band NEEDTOBREATHE.Or...Dive into Chandler's entrepreneurial story told from the perspective of the younger brother.There are two major benefits that will manifest from reading these intriguing tales. First, your life will gain a fresh new outlook on how blazing new trails can be the perfect addition to your own path.
Totally Free Deals
100% Sold Out: PM's no more.
Added on : Tuesday March 04th 2014 09:00:10 AM
g: -5 Posted By: greling
Views: 290 Replies: 6 I have sold out entirely of my precious metals positions. I no longer own a single ounce of gold and I am now down to just one Silver American Eagle kept for the memories. After seeing the U.S. economy start to improve with Obamacare and the effects of the stimulus bill, I have decided that I now agree with nycll, the Keynesians and economists like Paul Krugman and Janet Yellen. The U.S. economy is turning around. Gold will crash to less than $600 and the stock market will see higher highs, possibly over 20,000 in the next five years. I will be investing my assets into the U.S. economy and doing my part to support the American Dream. I have decided to split my wealth 50/25/25. Half will go into a total stock market index fund with Vanguard. The other half will be split between i-Bonds and a money market fund. I plan to make a down payment on a home in either California or South Florida. The game is over.
Investing Deals
g: 0 Posted By: remick
Views: 1 Replies: 0 Holy Fire: A Balanced, Biblical Look at the Holy Spirit's Work in Our Lives (was $15.99)
http://www.amazon.com/Holy-Fire-Balanced-Biblical-Spirits-ebook/...

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

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


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

4.6 out of 5 stars (101 customer reviews)

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


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

4.5 out of 5 stars (88 customer reviews)

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


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

4.8 out of 5 stars (84 customer reviews)

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


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

4.5 out of 5 stars (51 customer reviews)

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


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

5.0 out of 5 stars (27 customer reviews)

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


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

4.6 out of 5 stars (11 customer reviews)

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


ShopDiscover Cashback Account is Negative
Added on : Sunday March 02nd 2014 09:00:10 PM
g: 0 Posted By: KYBOSH
Views: 90 Replies: 1 Wokeup to find my CashBack account in the red. They decided to clawback some CB on purchases that i made through their website,
As far as i can see i would have to earn CB to bring it back in the black.which feels like throwing good money away. Either i would have to pay them out right or earn CB over time to bring my CashBack balance up. Or close the account app later hoping i wont get AA or the balance follow me.

If anyone has any exxperience with this please feel free to comment and share.
Discussion Deals
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!
Requests Deals
g: 0 Posted By: IStillPickUpPennies
Views: 30 Replies: 0 We nearly went to California for our spring vacation. At that point, I was looking at getting a "Go Los Angeles" card, which for $263 would have given us 5 days with Six Flags, Knotts Berry Farm, Legoland California & Universal Studios. Instead, we decided to go to Orlando and take a Disney Cruise. Before the cruise, we have 6 days in Orlando. We did Disney last time, and this time would like to focus on Universal, and perhaps a day at Legoland or another park. We are staying at the Coco Key water park & resort, so we are not interested in water parks.

So far I haven't had any luck in finding a decent deal that includes Universal Islands, Universal Studios, plus possibly Legoland. I have been able to find a Go Orlando card - $263 for 4 days, has Legoland but no Universal, and a bunch of other stuff we don't want. I also came across a $304 "Orlando Flex Ticket", which has the 2 Universal parks, plus 3 parks we don't want. (Seaworld & 2 water parks) I just can't seem to find the combination that we want!

Also, I know that I previously saw a "dine all day" option at Universal Orlando that let you stop at their fast service restaurants multiple times all day for about 25 bucks, but that seems to be gone now - replaced with a "eat one meal for $20" plan, evidently. Argh!

If anyone has been to Universal Orlando recently, and has any tips for saving $$, I would appreciate any ideas. Thanks!
Requests Deals
g: 1 Posted By: oxygenmm
Views: 284 Replies: 3 My quest for tires began when Goodyear quoted me $683+ tax for the cheapest tires installed I thought that was ridiculous so I started searching for a deal on new tires. I have a small car so I didn't want to order online and try to find a way to get my new tires to the installer. Than I found TireBuyer.com I called first with an arsenal of questions for them. They do not offer road hazard but said some installers offer road hazard, and the DOT codes were less than a year old. They explained that I had to pay for my tires immediately and they would ship directly to the installer I selected and I would pay install costs to the installer when I arrived with my car.

I was considering the following 3 types of tires
Fuzion Touring $58
Continental - ExtremeContact DWS $112.00
BF Goodrich - g-Force Sport Comp-2 $93.45

I decided to buy the cheapest ones they had solely based on price and the fact they are rated 4.5/5 stars from 774 reviewers. Only bad reviews were ice/snow which doesn't affect me in the south. If I had to replace 1 tire it would only be $58 + tax with free quick shipping to installer + $24 to install

My total price for 4 tires installed was $300
$ 232.00 - $20 off ( for signing up for newsletter ) - $11.60 (5% CB) = $200.40 + tax + $90 labor to install $300.00
http://tirebuyer.com/tires/fuzion/touring/p/tv103000021

If you don't know about tires you can learn about them here:
http://www.cars.com/go/advice/Story.jsp?section=maintenance&stor...

I am so happy with my purchase my car drives and rides so much better now. This was a wonderful buying experience and I wanted to share with everyone looking for tires and wanting to save money. I saved over 1/2 of what Goodyear wanted to charge me. I was skeptical at first buying online and shipping to an installer I do not know but I am soooo happy I did. I loved the installer they were quick and careful with my car. They mentioned they don't get many TireBuyer customers so I am on a mission to change that. My last tires were $600 cooper tires that the owner said were highly recommended so I bought them and they were crap I was so unhappy they were loud and miserable. The only good thing I had to say about the coopers was I only had 1 nail patched in 5 years. I only drove a few miles in these Fuzions and I can only say they are better than the coopers so far. I miss the Goodyear Eagle F1 GSD3's but I ate nails in those.
Tools & Automotive Deals

TireBuyer Coupons
High Deductible plan versus. Traditional plan
Added on : Sunday February 23rd 2014 02:00:05 PM
g: 0 Posted By: couponqueenabk
Views: 80 Replies: 0 I am trying to decide between the two health plans offered by my employer. I am married (30 yrs. old) with no kids. My husband will remain on his own plan, so I will opt for a single plan.

High Deductible-
Monthly employee cost - $111.39
Deductible - $3,000.00
Coinsurance - 0% after deductible (for hospitalization, emergency room and office visits). Preventative care is 100% covered (deductible does not apply).
Out of pocket maximum = 4,000
Note that the high deductible plan still gets the insurance carrier's negotiated rates.

Traditional:
Monthly employee cost - $189.98
Deductible - $500.00
Coinsurance - 20% after deductible, emergency room = $200 copay and 20% coinsurance; office visit = $20 copay; hospitalization = 20% after deductible; same preventative care as above
Out of pocket maximum = 3,000

This is very perplexing to me. Annually, I would pay about $950 less in premiums under the high deduct. plan. I feel that the simple answer is that if I plan on seeing the doctor 0-3 times per year (as was the case with me for 4 of the past 6 years), and assuming a doc visit costs about 100 bucks, I should pick the high deductible plan.

HOWEVER ---- My husband and I are trying to have a baby, so, in that case, we would probably want the traditional plan, correct (due to the lower out of pocket max and assuming deliver costs around 10k)?

Any thoughts? Am I missing anything in my rationale?
Personal Finance Deals
Starwood Award Night Prices Go UP (and some down) Effective March 4, 2014
Added on : Saturday February 22nd 2014 06:00:07 PM
g: 0 Posted By: helloimalbert
Views: 100 Replies: 0 Per TheRewardBoss.com there will bechanges to SPG categories. Pasted from the site:

Our hotel Category adjustments for 2014 will soon be in effect, and we would like to provide you with an advance look at the preliminary list of changes. Please note that we are not adding new categories or changing category pricing.
Just over 20% of hotels are changing category, of these 56% are moving down and 44% are moving up. We want to make sure youre able to maximize your Starpoints, so please review the information to decide if it makes sense to redeem before or after the changes take place starting March 4, 2014. Please note that Category changes are always subject to change, and while we make every attempt to provide you the latest, most accurate information, there may be adjustments necessary before or after the March 4, 2014 date.

Click here to view the list of changes -https://lacek.hs.llnwd.net/e1/starwood/2014categorychange/2014Ca...

Click here to view existing hotel categories -https://www.starwoodhotels.com/preferredguest/account/starpoints...

When youre ready to book, visit spg.com or contact one of our Customer Contact Centers.

Best regards,

Christopher Carman
Social Media Specialist
Starwood Hotels & Resorts Worldwide

spgchampion@starwoodhotels.com
Hotel Deals
How to get fund from a Temporary Serve card?
Added on : Saturday February 22nd 2014 11:00:05 AM
g: 0 Posted By: winsome
Views: 25 Replies: 1 Sorry if this has been asked and answered. I searched and did not see any similar posts.
I received several Serve cards for Christmas. I found out there is a monthly fee so I decided to load everything on one card. This is where the problems begin. I was able to register one card but now I cannot find a way to get the funds from the rest. I am not able to load them to the permanent card and when I called Serve I could barely understand what the customer service rep was saying.
I want to either get all the funds from the temporary cards or load all the cards to one card.
Any ideas are welcome.
Thanks.


Question Deals
g: 0 Posted By: Murrow
Views: 275 Replies: 0 Humble Linky

That's a lot of adventure, man.The Humble Weekly Sale features 12 adventure games from The Adventure Company and friends. Pay what you want for the 18th century murder mystery game,Dead Reefs, and the Transylvanian hidden object game,Mystery Series: A Vampire Tale. Paying $1 or more gets you access to the challenging puzzle adventure title,Safecracker: The Ultimate Puzzle Adventure, and the first-person puzzle exploration game,Aura: Fate of the Ages, on Steam.

If you pay $6 or more you'll also receive the Myst-style horror-adventure games,Dark Fall: The JournalandDark Fall 2: Lights Out, the comedic point-and-click titles,The Book of Unwritten Tales Digital Deluxe EditionandThe Book of Unwritten Tales: The Critter Chronicles Collectors Edition, the fast-paced adventure game,Jack Keane 2: The Fire Within, the brilliantly absurdDeponiaand the insane point-and-click adventure game,Edna & Harvey: The Breakout. Paying $15 or more will unlock the thrilling crime adventure game,The Raven: Legacy of a Master Thief Digital Deluxe Edition.

Pay what you want.Normally, these games would cost you more than $170, but we are letting you name your price!

DRM-free and on Steam.Pay $1 or more to accessSafecracker: The Ultimate Puzzle AdventureandAura: Fate of the Ageson Steam for Windows. All games $6 or more are available on Steam for Windows, with select games available for Mac and Linux.Dead ReefsandMystery Series: A Vampire Taleare only available DRM-free for Windows.Mystery Series: A Vampire Taleis also available for Mac. For full system requirements, please clickhere.

Support vital causes.You decide how your purchase is allocated: between the content creators and/or to the non-profit organizations, Child's Play Charity and Electronic Frontier Foundation. And if you like this promotion, a tip to Humble Bundle would be greatly appreciated!

The current average price as of this posting is $7.75.
Video Games Deals
g: 4 Posted By: Murrow
Views: 1434 Replies: 5 Humble Link

Humble Indie Bundle 11

Action! Adventure! Puzzles!Humble Indie Bundle 11 features six top-notch indie games, just name your price. Pay what you want for the magical Mex-inspired action-platformer,Guacamelee! Gold Edition, the gorgeous action RPG,Dust: An Elysian Tail, the atmospheric puzzle-platformer,The Swapperand the blistering hardcore platformer,Giana Sisters: Twisted Dreams, which includes a sweet digital comic. Pay more than the average price and you'll also unlock the mind-bending psychological exploration game,Antichamber, and the adrenaline-pumping heist game,Monaco: What's Yours is Mine.

Your wallets will thank you.Buying these games separately could cost you more than $133, but we're letting you name your price.

Cross-platform and DRM-free.All of these games are available DRM-free for Windows, Mac and Linux.* Many of these games are making their debut on Mac and Linux with this exquisite bundle! Pay $1 or more to gain access to the games on Steam. For full system requirements, please clickhere.*Note:Giana Sisters: Twisted Dreamsis currently available DRM-free and on Steam only for Windows. Mac and Linux versions will be available later this year. Online multiplayer forMonaco: What's Yours is Mineis only available via Steam.

Make a difference.You decide where your money goes: between the developers and/or two vital causes: Child's Play Charity and the Electronic Frontier Foundation. And if you like this bundle, a tip to Humble Bundle would be greatly appreciated!

As of this post, the average price is $4.19. Beat that and get Antichamber and Monaco as well! More games will be added soon, so get in while it's relatively cheap!
Video Games Deals
g: 4 Posted By: Murrow
Views: 1382 Replies: 5 Humble Link

Humble Indie Bundle 11

Action! Adventure! Puzzles!Humble Indie Bundle 11 features six top-notch indie games, just name your price. Pay what you want for the magical Mex-inspired action-platformer,Guacamelee! Gold Edition, the gorgeous action RPG,Dust: An Elysian Tail, the atmospheric puzzle-platformer,The Swapperand the blistering hardcore platformer,Giana Sisters: Twisted Dreams, which includes a sweet digital comic. Pay more than the average price and you'll also unlock the mind-bending psychological exploration game,Antichamber, and the adrenaline-pumping heist game,Monaco: What's Yours is Mine.

Your wallets will thank you.Buying these games separately could cost you more than $133, but we're letting you name your price.

Cross-platform and DRM-free.All of these games are available DRM-free for Windows, Mac and Linux.* Many of these games are making their debut on Mac and Linux with this exquisite bundle! Pay $1 or more to gain access to the games on Steam. For full system requirements, please clickhere.*Note:Giana Sisters: Twisted Dreamsis currently available DRM-free and on Steam only for Windows. Mac and Linux versions will be available later this year. Online multiplayer forMonaco: What's Yours is Mineis only available via Steam.

Make a difference.You decide where your money goes: between the developers and/or two vital causes: Child's Play Charity and the Electronic Frontier Foundation. And if you like this bundle, a tip to Humble Bundle would be greatly appreciated!

As of this post, the average price is $4.19. Beat that and get Antichamber and Monaco as well! More games will be added soon, so get in while it's relatively cheap!
Video Games Deals
Humble Indie Bundle 11: Pay what you want!
Added on : Tuesday February 18th 2014 12:00:04 PM
g: 1 Posted By: Murrow
Views: 225 Replies: 1 Humble Link

Humble Indie Bundle 11

Action! Adventure! Puzzles!Humble Indie Bundle 11 features six top-notch indie games, just name your price. Pay what you want for the magical Mex-inspired action-platformer,Guacamelee! Gold Edition, the gorgeous action RPG,Dust: An Elysian Tail, the atmospheric puzzle-platformer,The Swapperand the blistering hardcore platformer,Giana Sisters: Twisted Dreams, which includes a sweet digital comic. Pay more than the average price and you'll also unlock the mind-bending psychological exploration game,Antichamber, and the adrenaline-pumping heist game,Monaco: What's Yours is Mine.

Your wallets will thank you.Buying these games separately could cost you more than $133, but we're letting you name your price.

Cross-platform and DRM-free.All of these games are available DRM-free for Windows, Mac and Linux.* Many of these games are making their debut on Mac and Linux with this exquisite bundle! Pay $1 or more to gain access to the games on Steam. For full system requirements, please clickhere.*Note:Giana Sisters: Twisted Dreamsis currently available DRM-free and on Steam only for Windows. Mac and Linux versions will be available later this year. Online multiplayer forMonaco: What's Yours is Mineis only available via Steam.

Make a difference.You decide where your money goes: between the developers and/or two vital causes: Child's Play Charity and the Electronic Frontier Foundation. And if you like this bundle, a tip to Humble Bundle would be greatly appreciated!

As of this post, the average price is $4.19. Beat that and get Antichamber and Monaco as well! More games will be added soon, so get in while it's relatively cheap!
Video Games Deals
g: -3 Posted By: SinbadS
Views: 794 Replies: 7 I applied for Anthem Bronze plan on Covered CA website in Dec. 2013 and was approved. I didn't pay their premium because I later decided to choose a Minimum Coverage plan from HealthNet that has a lower premium. My first question is can I apply for a 2nd plan without cancelling the 1st one. 2nd question is I found out I I was unable to apply for Minimum Coverage plan online. Is this true? I am over 30 but I qualify for an exemption for Minimum Coverage. I sent a paper application to Covered CA 3 weeks ago but I can't confirm the status of my application (heavy call volume, etc.) I was left with an option to apply directly to HealthNet for the same plan but with a higher premium (the same exact plan through Covered CA would be cheaper). Both are unsubsidized plans but still Covered CA is cheaper. If I apply directly and sign up with HealthNet and then realize Covered CA has approved I will then be stuck with one month premium payment with HealthNet coverage for my direct application. This would be the March coverage. Would Covered CA coverage be retroactive if approved and also cover March, which means I have to pay twice for March -- one mandatory pay for direct plan application and another for the Covered CA plan if I want to choose the Covered CA plan permanently, which is cheaper and makes sense in the long run although I have to pay twice for March? P.S. I sent my paper application to Covered CA on Jan. 24. My deadline to apply (send application) directly to HealthNet for the higher-premium coverage to start on March 1 is today (can be done by fax or email) by 11:59 PM. The difference in monthly premium is ~$25.
Discussion Deals
g: 0 Posted By: Deals4mykids
Views: 65 Replies: 0 HOT! DieHard Gold Portable Power 950 with JumpStarter DC & USB Power Source - for $61.99 + Free Shipping

Here is the scoop on jump start packs

1. Unless you buy a jumper packe that specifically states the battery can be replaced you have to realize this will become junk after a couple of years
2. You have to keep a charge on the gell cell battery that is in a jumper pack or it will not last. This means bringing it inside to get a full charge routinely even if it is not used. (every other week)
3. I live in Florida where the heat robs the life out of batteries. Leave this in a locked car where the temp is 20-40 degree higher and battery life is shortened.
4.There are electric components inside the device. The heat from the car melted the onboard flashlight on my last pack. Expect heat and moisture to compromise circuitry
5. New Gel cell batteries cost about as much as this whole unit
6. Made in China or not if the Western company specify cheap it will be made cheap
With this knowledge you have to decide if a Jumper Pack is right for you.

http://www.sears.com/shc/s/p_10153_12605_02871987000P

This DieHard Portable Jump-Starter and DC/USB power source has two 12V DC power outlets and one USB power outlet. This 18Ah non-spillable AGM battery also offers a variety of features including a clear digital display, ON/OFF jump start switch, reverse hookup alarm, spark-resistant jumper clamps and much more.
950 Peak Amps
Tools & Automotive Deals

Sears Coupons
How does a car lease rebate work (and other questions)!
Added on : Sunday February 16th 2014 10:00:12 AM
g: 0 Posted By: Thisiswhaticanafford
Views: 105 Replies: 0 Hi all, will be looking forward to your helpful and knowledgeable responses!

We have decided to lease through Ford, using Z plan pricing. I have read pros and cons of leasing (a lot right here at FW!)but this is the way we need to go right now for the vehicle that best suits our current needs.

This vehicle also has a $2000 leasing rebate. How does that work?Has that in any way, shape or form been applied towards the overall purchase price if (for some reason) we were to purchase at end of lease?

We are also struggling with whether to go with 12K miles per year or 15K. Price difference is $18/month if I remember correctly. If we go with the 45,000 3 yr lease, then we may very well end up outside of the 36 month/36,000 mile bumper-to-bumper warranty. Apparently for $600 or so we could purchase an extended warranty to cover those 9K miles -- do you think we'd have the opportunity to purchase this later in the lease but sometime before the 36000 mile deadline?

Myhead keeps spinning trying to anticipate the future. I figure if we go in with the (not popular) intent to buy later, we can definitely bypass purchasing the extra miles (saves $648), not worry about Ford WearCare (saves $750), and also not worry about extended warranty (saves $600) while leasing. We both currently have vehicles, adult children are out on their own! Semi retired, with jobs within 28 miles round trip.

I am also thinking that depending on how the $2,000 'leasing rebate' works, we may not be that far behind the game when factoring that in along with Z plan price. Whether or not we would be still eligible for Z plan years down the road is an unknown.

Sorry if I am asking too much or being confusing -- Thanks for helpful insights

p.s. Am still trying to understand Ford WearCare. Seems like Ford has a rather generous lease turn-in condition program. And, WearCare doesn't come into play if damage is 'accident-related' -- so what would be instances when we would be glad to have it? [side note: leather interior]

Question Deals
g: 0 Posted By: robronson
Views: 64 Replies: 1 I've never understood how traveling consultants paid income taxes to various states they worked in. Especially when they might have done work in 10 or more states in a given year. I've always imagined they just shirked their state income taxes and only paid to their home state.

When you live in one state and drive/commute/work in an adjacent state (like NJ/NY), they have some kind of reciprocity agreement that makes it easier on how it works. But if you live in Texas and fly to California, NY, Georgia, and Oregon for work, good luck with that.

I imagine if you're a 1099 then business expensing would become a bigger issue. Suppose you worked in Cali for a few weeks and made $20k. How do you decide which of your business expenses to write off against that $20k to determine what your actual net California income tax is? Do you have to prorate the expense against every client you saw that year (like a laptop computer)? Or can you determine a specific expense was California only? Are consultants getting 15 different accountants, one for each state they work?

I really do imagine these are simply taxes that aren't going paid and smart consultants are residents of Washington, Texas, Florida or one of the handful of no income tax states.
Tax Deals
Covered CA (Affordable Care Act) Dilemma
Added on : Saturday February 15th 2014 01:00:11 PM
g: 0 Posted By: SinbadS
Views: 109 Replies: 0 I applied for Anthem Bronze plan on Covered CA website in Dec. 2013 and was approved. I didn't pay their premium because I later decided to choose a Minimum Coverage plan from HealthNet that has a lower premium. My first question is can I apply for a 2nd plan without cancelling the 1st one. 2nd question is I found out I I was unable to apply for Minimum Coverage plan online. Is this true? I am over 30 but I qualify for an exemption for Minimum Coverage. I sent a paper application to Covered CA 3 weeks ago but I can't confirm the status of my application (heavy call volume, etc.) I was left with an option to apply directly to HealthNet for the same plan but with a higher premium (the same exact plan through Covered CA would be cheaper). Both are unsubsidized plans but still Covered CA is cheaper. If I apply directly and sign up with HealthNet and then realize Covered CA has approved I will then be stuck with one month premium payment with HealthNet coverage for my direct application. This would be the March coverage. Would Covered CA coverage be retroactive if approved and also cover March, which means I have to pay twice for March -- one mandatory pay for direct plan application and another for the Covered CA plan if I want to choose the Covered CA plan permanently, which is cheaper and makes sense in the long run although I have to pay twice for March? P.S. I sent my paper application to Covered CA on Jan. 24. My deadline to apply (send application) directly to HealthNet for the higher-premium coverage to start on March 1 is today (can be done by fax or email) by 11:59 PM. The difference in monthly premium is ~$25.
Discussion Deals
Tax implications of repaying a gift from relatives?
Added on : Saturday February 15th 2014 12:00:06 PM
g: 0 Posted By: moxie
Views: 117 Replies: 0 When my husband and I were looking for a house last year, we found a good fit and had an accepted offer within less than 24 hours after we saw the house.My (awesome and generous) folks offered to gift us part of our down payment, but when we were applying for a loan in November they surprised us by wiring over twice the amount they had offered. This amount was well over the $52K annual exclusion amount. I wanted to give it back but they insisted that we take it as an interest free loan with no due date.

After consideration, my husband and I decided to hang on to it for a few months. My parents were right-- the extra sum sitting in our account made the bank loan go through smoothly. They saved us from having to break our laddered CDs or dip into our Roth IRAs. The house buying process turned out to have a lot of unexpected expenses too so things would have been very tight without their help.

At any rate, three months later all our money is now liquid, I got paid for some major contracts which had been outstanding in 2013, we got back rebates on our closing fees, points, agent fees, and reimbursed for moving expenses (thanks to Redfin, PenFed, and husband's employer), and we can now pay my parents back. We want to do this ASAP so that we don't get spendy with what is probably a large chunk of their retirement savings.

My question is:
What is the best way to deal with this tax-wise? Do they have to file a gift return for 2013 and will we have to file a gift return for 2014? Should we treat this as a loan (though when applying for our housing loan, they wrote us a gift letter)? I don't expect that either of us will ever approach the lifetime gift-tax exemption of $5.25 million, so is there anything to worry about at all?

Thanks for your thoughts and advice!
Tax Deals
Landscape Proposal
Added on : Friday February 14th 2014 12:00:04 PM
g: 0 Posted By: master44
Views: 141 Replies: 3 I have a flagstone patio that is aging and in need of repair so I got bids from several contractors to fix the problem. I found a contractor I liked, he wrote up a proposal that I signed with the verbal agreement that I would call him in March or April as temps warmed up to do the job.

A few weeks after signing the proposal a family friend had a friend who was in the business, looked at the patio and said he did this sort of work all the time and offered to do the job for a lower price. I liked the idea of a known referral and the lower price didn't hurt.

Long story short I called the contractor I originally signed the proposal with and told him we decided we no longer needed him to do the work and thanked him for his time. The contractor informed me that since we had signed the 'acceptance of proposal' we owed him for the job whether or not he does it. I argued back and forth with him that he had no money put into my job and that I would not pay. In the end the contractor threatened to sue for breach of contract if I did not pay or schedule the job. At this point I really wouldn't want him doing the work and I am inclined to ignore any future contact, but also don't want to be on the hook for $1000 or wasted time in a lawsuit.

The proposal I signed has the job written out, a price, and payment terms as "pay when complete" and then the section I signed says:
"The above prices, specifications and conditions are satisfactory and are accepted. You are authorized to do the work as specified. payments will be made as outlined above."

Any thoughts as to how to proceed, do I need legal counsel or am I just being bullied? Thanks!
Personal Finance Deals
Dungeon Keeper for FREE + Dungeon Keeper 2 75% off! gog.com
Added on : Friday February 14th 2014 04:00:02 AM
g: 0 Posted By: backsplatter
Views: 0 Replies: 0 http://www.gog.com/news/dungeon_keeper_for_free_dungeon_keeper_2...Dungeon Keeper for FREE + Dungeon Keeper 2 75% off!A Dungeon of Love for Valentines Day from GOG.com and EA!

Today of all days, a good part of the world celebrates love in all shapes, sizes, and flavors. For us at GOG.com, there is no greater love than the love of classic PC games. We love them, you love them, and you know what? We love you as well! So we decided to celebrate Valentines Day by partnering up with our friends at Electronic Arts to offer you an exclusive Dungeon Keeper promotion:

For the next 48 hours Dungeon Keeper Gold(complete with the Deeper Dungeons expansion) can be added to your GOG.com account for free! If you already own it on GOG.com, you can still get one extra gift-code for the game and present it to your significant other gamer, or a friend.
Putting It In The Backdoor (Roth) For Fun And Profit
Added on : Thursday February 13th 2014 02:00:10 PM
g: 21 Posted By: robronson
Views: 3596 Replies: 21 I've been reading about backdoor Roths for a while but it never applied to me since my income has been below the threshold. For you old-timers, skip to the last two paragraphs of this post for my "new" information. The bulk of this post is a primer for people not in the know about the concept. For anyone reading who is new to the concept, the IRS disallows a person to contribute money into a Roth IRA if they earn more than a certain amount of money (in the $100k+ range). You also can't get a traditional IRA deduction at that income due to phaseouts that disallow it. Thus, people contribute to a non-deductible IRA, which has no income phaseout, and then convert it to a Roth IRA since the government recently removed the income-level restriction on a Roth conversion.

The benefit here is that with a non-deductible IRA, you get no deduction of the contribution but all of the earnings are taxable like a traditional IRA. If you contribute $5k to a non-deductible IRA and it grows to $10k over time, your $5k contribution comes out tax free but you're taxed on the $5k of earnings. With a Roth IRA, you get no deduction on the initial contribution but the earnings also come out tax-free (everything is tax-free in the Roth) so it's a much better deal.

You can convert a Traditional or Non-Deductible IRA into a Roth by simply paying the tax on any earnings to date. For example, if you put $5k into a non-deductible IRA and it's worth $6k, you pay income taxes on $1k (the earnings) and can convert all $6k (your $5k contribution and the $1k earnings) into a Roth which can grow for decades completely tax free. It's a great deal if (in this example) you believe the taxes on the $1k right now are less than the present value of the future taxes you'll pay on all earnings from it.

So what people are trying to do lately is contribute $5k into a non-deductible IRA. Then immediately convert it into a Roth IRA. They pay the "taxes" on the $0 of earnings (since they convert it in the same day), which costs $0 and like magic, they were able to bypass the income restriction on contributing money into a Roth IRA.

The problem that many people don't realize is that you can't simply convert one piece of your Traditional/Non-Deductible IRA money into a Roth. Suppose you already had $100k of money in a Traditional IRA that you built up over the years. And suppose it is 50% earnings and 50% contribution (you contributed $50k to the Traditional IRA over the years and it's grown to $100k, so if you withdrew it today, you'd owe taxes on the $50k earnings). If you then contribute $5k to a non-deductible IRA and try to convert that $5k to a Roth, it doesn't work.

This is because the IRS looks at the Traditional and Non-Deductible IRA money as one package. So to the IRS, in the above example, you have $105k in IRAs and decided to convert $5k from that, which is about 5% of it. You can't decide which of that $105k to convert, you must convert it equally split between whatever the ratio of earnings to contributions is. Thus, if you convert $5k, you're really converting around $2,500 of earnings (out of that $100k Traditional IRA money) and $2,500 of contributions. So you pay taxes on $2,500 to do the conversion, not $0. And, you didn't actually move all $5k of the non-deductible IRA into a Roth. You only moved half of it. The other half is stuck in that T-IRA/Non-Deductible IRA pool.

None of this is new information, it's simply summarized from what I've read on these forums and elsewhere. What is new is my proposal to fix the problem. You're allowed to rollover Traditional IRA money into a 401k. Thus, if in the above example you rolled over your $100k Traditional IRA into a 401k, and then contributed $5k to a non-deductible IRA, you could do the full $5k conversion to Roth, tax-free, because that $5k is the only IRA you have. The problem is that virtually no 401k custodians, through employers, allow for in-service rollovers into the 401k.

The potential solution? Open an Individual 401k, designed for Self Proprietors/Small Business Owners and roll your T-IRA into there. From the looks of things, Vanguard allows an I-401k to anyone (who claims to be a self proprietor) and there's no fees if you have at least their lowest level status (which offhand I think is $50k in assets with them). If you're not actually self employed, you won't be able to contribute money into the I-401k, but you should be able to rollover your T-IRA money into it. Then do your backdoor Roth with no problems.

Investing Deals
10% off at Boxed.com! Like Costco on your phone, prices better than Amazon!
Added on : Thursday February 13th 2014 01:00:09 PM
g: 0 Posted By: Thrilla
Views: 332 Replies: 0 Given the latest news about Amazon likely to raise the price of Prime, I've been looking around to see what alternatives are out there and I came across Boxed. This app has been getting a lot of press lately so I decided to check them out and found this coupon code for 10% off:BOXED2014. I checked out the prices and they're extremely competitive. I can't copy the links here since I can only order through the phone or tablet but here's a sample of their prices and how they compare to Amazon:

Baked Lays Potato Chips 30 Bag Variety Pack
Boxed - $11.99
Amazon - $25.95Link

Orbit Sugarfree Gum 18 Pack
Boxed - $12.99
Amazon - $18.49Link

Advil 200mg, 360 count
Boxed - $18.99
Amazon - $22.49Link

There's a ton more out there, almost everything I looked at beat Amazon's prices.

Free shipping on orders of $75 or more, don't forget the 10% off code!
Grocery Deals
Money Order - Change Recipeint?
Added on : Thursday February 13th 2014 10:00:14 AM
g: 0 Posted By: Tom9999
Views: 119 Replies: 3 I needed to order a birth certificate from the local county clerk. Since they don't take personal checks or credit cards, I was going to do it in person and pay cash - until I found about 150 people were ahead of me in line. Since I did not have hours to wait, I decided to mail it - so I picked up a USPS money order. The fee was a whopping $2.00.

Turns out they could not find the record, so they returned the money order along with the rest of the paperwork. Ended up having to spend $37 through Vitalcheck online to get it from the state.

Anyway, I now have a $2 money order payable to the county clerk. What would happen if I were to cross that out and put in my own name, then deposit it into the ATM? Is my bank (BoA) going to accept it, reject it, come after me for fraud, ??? I see the post office will replace it free, but I find myself inside a post office about once every five years and don't want to stand in line to recover my $2 (that I paid $3.25 for).

Personal Finance Deals
Car accident, rejection 1, small claims win, rejection 2, ....???
Added on : Wednesday February 12th 2014 01:00:08 PM
g: 0 Posted By: Marlin1975
Views: 229 Replies: 3 ~~Ok thought this was going to take time but not be this mess so here Iam asking for outside opinions on something that happened in 2012.

In late 2012 lets say Bob was driving a 4 door car and sideswiped my car. The car belonged to Bob's girlfriend but he had permission to drive it. He said he was not at fault and tried to fight it. It was obvious he was at fault due to road layout and signs. His insurance company Penn National said they could not decide who was at fault, again it was very obvious.

I filed a complaint with the State Insurance Review. I knew it was a long shot but they said they can't help on deciding fault. So between what they said and Penn Nationals adjuster I sued Bob since he was the driver.

Went to small claims and I had the estimate, insurance rejection letter, and pictures of the road/signs/cars. The judge was very swift in deciding Bob was at fault, again its that obvious. He looked at the estimate and pictures and felt it did not sound obscene or out of line. He found for me for roughly $1600 plus court cost.

Bob said he would send me money himself and I gave him a copy of the official court record showing he was at fault to give to the insurance company. Bob sent $200 which covered the court cost. I never heard from him or the insurance company, this was late 2013 by now. So I gave time for holidays but they came and went with no one sending the payment for repairs.

I then send an e-mail to Penn National to the original adjuster and the general inbox. I gave them a month (over 30days). I do not hear back. I forward the original message back to them again saying this is well past due this time. I receive a message from a 2nd adjuster today. He now gives a 2nd reason for rejecting the claim. He states that their position is that their insured does not have coverage for this matter. I wrote back asking how that was since that never came up and this is a completely different rejection from the first.

That is where I am at now, just received their replay and sent my replay today.

Just in case anyone is wondering Bob is dirt poor. Bob's girlfriend may have some money but I sued him since he was the driver. Bob did have permission to drive the car as I spoke with her as she was trying to make a claim with my insurance, as you can guess they said no.I'm thinking my next course of action is file another clam with the State Insurance board since I now have a valid claim per the courts action. I don't have a copy of the insurance policy of the other driver so not sure if I can get that easily.

So what would you do next that I may be missing?


https://www.creditkarma.com/reviews/auto-insurance/single/id/pen...


Personal Finance Deals
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
Starting a Curbside Recycling Business: A Journal
Added on : Tuesday February 11th 2014 02:00:15 PM
g: 17 Posted By: behr
Views: 3569 Replies: 46 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).

UPDATE as of 2/11/14: Got a domain that had free email so replace all mentions of the gmail account (facebook page, the survey, etc) with the new domain name branded emails.

Ordered the final surveys (again, 500 postcards to be distributed door to door [most likely IN peoples' door]).

Current expenses up to $242.46. (includes state LLC filing fee, postcards, an address stamp in case alot of folks want paper surveys, 1yr webhosting, and 3 months PO BOX rental)

Once the surveys arrive I will distribute them and wait several weeks for my 2 responses to pour in
Discussion Deals
g: 6 Posted By: remick
Views: 1734 Replies: 1 http://www.amazon.com/Authentic-Parenting-Power-powerful-realize...

It takes more than love to be an authentically powerful parent. This book begins with the paradox that parents are less powerful than they want to be and more powerful than they realize. Knowing how you are totally powerless actually opens the pathway to discovering where your greatest influence lies.
Once you understand and accept the Cosmic Design of your childrens hard wiring you are free to give up the struggle of trying to change them. This book will help you unclench your resistance in needing others to behave in certain ways in order to feel fulfilled or happy.

What is Meant By Your Childs Cosmic Design?

* Temperament

* Emotional Hard Wiring

* Brain Circuitry and Learning Style

* The Intention of Their Soul

* Energetic Interplay with Universal Forces

Just as you wonder if you have any control at all, this book invites you to unlock the amazing extent of your true power. You will discover your ability to affect abundant, authentic relationships as a new code of communication is clarified for you.

What Does this New Code of Communication Look Like?

* Shifting Belief Systems that Keep You Stuck and Worried

* Changing Your Inner Dialogue for Amazing Positive Results

* Trading Ego Thinking, Nagging and Lecturing into Wise Council and Authentic Appreciation

* Turning Self-Defeating Patterns into Healthy, Positive Discipline

* Integrating Feelings, Energy and Spirit into Daily Challenges

You cannot control the school system, the government, your extended family or ultimately, your childs important life choices. You can learn when and how to step in without creating power struggles or emotional upheavals.
Your starting point is in the moment that you decide to nurture an environment of unconditional love, trust, compassion and open communication. No one does it perfectly but if we are to get positive results, we must parent with deliberate intention.
All your power is in the NOW. When you order your copy of Authentic Parenting Power you step into a place of empowerment because you make the conscious choice to learn, to grow and to actually be the parent you have dreamed of being.



Critical Connection: A Practical Guide to Parenting Young Teens
http://www.amazon.com/Critical-Connection-Practical-Guide-Parent...

Raising Super Kids: How to Raise Intelligent, Respectful Kids That Grow Up To Be Leaders - The Guide
http://www.amazon.com/Raising-Super-Kids-Intelligent-Respectful-...




Books & Magazines Deals
The Correct Way To Do A Backdoor Roth Contribution
Added on : Tuesday February 11th 2014 05:00:21 AM
g: 0 Posted By: robronson
Views: 151 Replies: 2 I've been reading about backdoor Roths for a while but it never applied to me since my income has been below the threshold. For you old-timers, skip to the last two paragraphs of this post for my "new" information. The bulk of this post is a primer for people not in the know about the concept. For anyone reading who is new to the concept, the IRS disallows a person to contribute money into a Roth IRA if they earn more than a certain amount of money (in the $100k+ range). You also can't get a traditional IRA deduction at that income due to phaseouts that disallow it. Thus, people contribute to a non-deductible IRA, which has no income phaseout, and then convert it to a Roth IRA since the government recently removed the income-level restriction on a Roth conversion.

The benefit here is that with a non-deductible IRA, you get no deduction of the contribution but all of the earnings are taxable like a traditional IRA. If you contribute $5k to a non-deductible IRA and it grows to $10k over time, your $5k contribution comes out tax free but you're taxed on the $5k of earnings. With a Roth IRA, you get no deduction on the initial contribution but the earnings also come out tax-free (everything is tax-free in the Roth) so it's a much better deal.

You can convert a Traditional or Non-Deductible IRA into a Roth by simply paying the tax on any earnings to date. For example, if you put $5k into a non-deductible IRA and it's worth $6k, you pay income taxes on $1k (the earnings) and can convert all $6k (your $5k contribution and the $1k earnings) into a Roth which can grow for decades completely tax free. It's a great deal if (in this example) you believe the taxes on the $1k right now are less than the present value of the future taxes you'll pay on all earnings from it.

So what people are trying to do lately is contribute $5k into a non-deductible IRA. Then immediately convert it into a Roth IRA. They pay the "taxes" on the $0 of earnings (since they convert it in the same day), which costs $0 and like magic, they were able to bypass the income restriction on contributing money into a Roth IRA.

The problem that many people don't realize is that you can't simply convert one piece of your Traditional/Non-Deductible IRA money into a Roth. Suppose you already had $100k of money in a Traditional IRA that you built up over the years. And suppose it is 50% earnings and 50% contribution (you contributed $50k to the Traditional IRA over the years and it's grown to $100k, so if you withdrew it today, you'd owe taxes on the $50k earnings). If you then contribute $5k to a non-deductible IRA and try to convert that $5k to a Roth, it doesn't work.

This is because the IRS looks at the Traditional and Non-Deductible IRA money as one package. So to the IRS, in the above example, you have $105k in IRAs and decided to convert $5k from that, which is about 5% of it. You can't decide which of that $105k to convert, you must convert it equally split between whatever the ratio of earnings to contributions is. Thus, if you convert $5k, you're really converting around $2,500 of earnings (out of that $100k Traditional IRA money) and $2,500 of contributions. So you pay taxes on $2,500 to do the conversion, not $0. And, you didn't actually move all $5k of the non-deductible IRA into a Roth. You only moved half of it. The other half is stuck in that T-IRA/Non-Deductible IRA pool.

None of this is new information, it's simply summarized from what I've read on these forums and elsewhere. What is new is my proposal to fix the problem. You're allowed to rollover Traditional IRA money into a 401k. Thus, if in the above example you rolled over your $100k Traditional IRA into a 401k, and then contributed $5k to a non-deductible IRA, you could do the full $5k conversion to Roth, tax-free, because that $5k is the only IRA you have. The problem is that virtually no 401k custodians, through employers, allow for in-service rollovers into the 401k.

The potential solution? Open an Individual 401k, designed for Self Proprietors/Small Business Owners and roll your T-IRA into there. From the looks of things, Vanguard allows an I-401k to anyone (who claims to be a self proprietor) and there's no fees if you have at least their lowest level status (which offhand I think is $50k in assets with them). If you're not actually self employed, you won't be able to contribute money into the I-401k, but you should be able to rollover your T-IRA money into it. Then do your backdoor Roth with no problems.

Investing Deals
g: 0 Posted By: remick
Views: 95 Replies: 0 http://www.amazon.com/Anatomy-Apple-Lessons-Steve-Taught-ebook/d...

Steve Jobs, a self taught college dropout, accomplished repeated business miracles. What did he do that MBA's, tech pundits and competitors repeatedly missed? Why are they in denial about it to this day?
90 days from bankruptcy, Apple welcomed home its founder in 1996. In just a few years, Steve Jobs accomplished the impossible - Apple was now a Trillion dollar juggernaut in Music, Books, SmartPhones, Tablets, Laptops and more. Learn the often overlooked, misunderstood or misrepresented lessons that made it all possible.

Meticulous myth-busting of major Technology history through surgical cross-examination!
Apple's tale of redemption and renewal powerfully conveyed through an engaging and unforgettable storytelling...
Fresh Business lessons about what it took for Apple to return from the brink of disaster from an experienced midwestern businessman!
˃˃˃ Anatomy of an Apple turns the abstract business concepts behind Apple's astounding comeback into easily digestible everyday business lessons.From start to finish, you will be treated to a feast of life changing anecdotes, piquant down and dirty myth-busting and utterly refreshing, setting-the-record-straight facts and figures. Anatomy of an Apple is an engaging and knowledgeable romp through technology history.

Anatomy of an Apple takes us on a thrilling journey through the highs and lows of Steve's fascinating life across several business eras, including Apple, NeXT, and Pixar.

˃˃˃ Anatomy of an Apple isn't another dispassionate attempt to examine Apple in the laboratory. We get right to the heart of the real people involved and discuss the real outcomes and motivations of their actions and decisions. We present our view of each lesson in whatever form that can most benefit people trying to be successful in life and business. Some chapters are vivid stories, some are detailed history lessons, and some are concise arguments against commonly held misconceptions.

˃˃˃ How these two entities, Steve the man, and Apple the company, healed each other. Ben Klaiber been a huge business fan of Steve Jobs for years. Steve's lessons helped keep him alive in both the literal and financial senses over the harshest years of his life. The lessons of Apple's comeback were invaluable to him, but the existing books just didn't convey the lessons he saw. After a decade of meticulous research, Ben decided to write a book on Steve's and Apple's comeback from his unique perspective.

In Anatomy of an Apple - The Lessons Steve Taught Us, we learn a very different story than the one told by the other books - how these two entities, Steve the man, and Apple the company, healed each other.
Totally Free Deals
Help a newbie with his first AOR
Added on : Sunday February 09th 2014 11:00:04 PM
g: 0 Posted By: ceonelson
Views: 15 Replies: 0 After way too long spent reading about AORs Ive decided to go for my first big batch of new cards. I figure with some of the deals a little MS might be in order too.
Any recommendations you have on cards to apply for, or which order to do it in would be appreciated. I usually fly AA or SWA.
Posting this is also helpful as I gotta figure out my current cards and finally start tracking them.
Thank you!

Credit Karma: 757
Average age: 8yr 1mo
Total accounts: 9 (6 open, 3 closed)
Hard inquiries: 2

Current cards (I pay them in full each month except the 2 listed at 0% apr):

Personal (30% total CL utilization, mostly on the BA card):
Discover 1: unused
Discover 2: 10% utilization at lifetime 0% apr (dont know if Ill ever see an offer like that again)
BA Mastercard: 85% utilization, 0% apr until 2/2015
Chase Freedom: 0% util
Citi AA Platinum Visa: 1% util, applied 7/2013, got 50k bonus miles

Business cards:
Amex Simply Cash: ~15% util
Chase Ink Bold: ~25% util, applied 7/2013, got 50k points

My thoughts for new cards:
Wells Fargo Cash Back (5% CB for 6mo)
Barclay US Air 40k miles, $89 AF (or to go for the 30k miles with no AF version?)
Citi AA Executive, $450 AF
Chase Ink Plus, 50k UR, waived AF
Next week: Citi AA Biz MC, 50k miles, waived AF

Some questions/misc thoughts:
1. What other business card would you recommend? Hotel card?
2. Are the Chase SWA cards churnable? Im not keen on getting the companion pass now when I wont use it as much as I would if I first got it a couple years from now. However, if I could get the bonus again in a year then I might as well get them now
3. I was planning on closing the Ink Bold in June to avoid the AF and applying for the Ink Plus then to get the signup bonus again would it be better to get the Ink Plus now, then close the Bold and reapply for the Bold in the summer? Would I get the 50k bonus again on the Bold?
4. Any tips on when to close cards that have AFs and when to reapply for the same ones while still being able to get the bonus would be much appreciated.
5. Is there a 40k US Air biz card? Id like to get the business card as well, but all I can find is 25k bonus.
6. How many Chase cards can be applied for in a day?
7. Another other advice for an AOR newbie 

Thank you again!!
Question Deals
Starting an LLC: A Journal
Added on : Saturday February 08th 2014 04:00:05 PM
g: 0 Posted By: behr
Views: 7 Replies: 1 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).
Discussion Deals
Free Kindle Book - Authentic Parenting Power and other parenting books
Added on : Saturday February 08th 2014 03:00:05 PM
g: 0 Posted By: remick
Views: 126 Replies: 0 http://www.amazon.com/Authentic-Parenting-Power-powerful-realize...

It takes more than love to be an authentically powerful parent. This book begins with the paradox that parents are less powerful than they want to be and more powerful than they realize. Knowing how you are totally powerless actually opens the pathway to discovering where your greatest influence lies.
Once you understand and accept the Cosmic Design of your childrens hard wiring you are free to give up the struggle of trying to change them. This book will help you unclench your resistance in needing others to behave in certain ways in order to feel fulfilled or happy.

What is Meant By Your Childs Cosmic Design?

* Temperament

* Emotional Hard Wiring

* Brain Circuitry and Learning Style

* The Intention of Their Soul

* Energetic Interplay with Universal Forces

Just as you wonder if you have any control at all, this book invites you to unlock the amazing extent of your true power. You will discover your ability to affect abundant, authentic relationships as a new code of communication is clarified for you.

What Does this New Code of Communication Look Like?

* Shifting Belief Systems that Keep You Stuck and Worried

* Changing Your Inner Dialogue for Amazing Positive Results

* Trading Ego Thinking, Nagging and Lecturing into Wise Council and Authentic Appreciation

* Turning Self-Defeating Patterns into Healthy, Positive Discipline

* Integrating Feelings, Energy and Spirit into Daily Challenges

You cannot control the school system, the government, your extended family or ultimately, your childs important life choices. You can learn when and how to step in without creating power struggles or emotional upheavals.
Your starting point is in the moment that you decide to nurture an environment of unconditional love, trust, compassion and open communication. No one does it perfectly but if we are to get positive results, we must parent with deliberate intention.
All your power is in the NOW. When you order your copy of Authentic Parenting Power you step into a place of empowerment because you make the conscious choice to learn, to grow and to actually be the parent you have dreamed of being.



Critical Connection: A Practical Guide to Parenting Young Teens
http://www.amazon.com/Critical-Connection-Practical-Guide-Parent...

Raising Super Kids: How to Raise Intelligent, Respectful Kids That Grow Up To Be Leaders - The Guide
http://www.amazon.com/Raising-Super-Kids-Intelligent-Respectful-...




Books & Magazines Deals
g: 1 Posted By: cr3s
Views: 146 Replies: 4 Question: Am I stuck with this lease or can I get out? Landlord is not open to renegotiating the rent $.

Location: California.

Short Version:

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

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

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

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


Question Deals
Vacant house next door: any opportunity?
Added on : Friday February 07th 2014 06:00:15 AM
g: 0 Posted By: bluegreenturtle
Views: 197 Replies: 5 We bought our house 10 years ago and had a very nice and cool neighbor next door who had lived there for decades and fixed his house up nicely, but about a year after we moved in, he decided to sell and move elsewhere. The house sold for $275,000 to a couple from CA. About 3 years ago they got into a disagreement and walked away from the house - one to another state and the other disappearing. I talked to one of them and she said that indeed they were walking away and leaving any equity they had. The house has been vacant ever since. About a year ago, finally somebody from the bank showed up and drilled out the locks and about once a month in the summer somebody mows the lawn and trims a little. I talked to the lock guy and he said that the mortgage was at least 3 years in arrears and so it was well past the point of forclosure. But there's been nothing - it's just vacant, and in fact the front door has no latch or locks on it. I went over there the other day and it's wide open - leaves in the living room from the door being open, bathrooms have been winterized but otherwise it's just empty. Absolutely no activity from anybody, the bank, whatever, since the locks got taken out - but the house is still in good shape. Market value is probably about $350,000, but they seem to have forgotten about this house. Is there anyway to buy it super cheap? There's no contact info anywhere. FOr the most part all of us neighbors have treated it respectfully - no squatters, nobody stealing stuff, the crazy car guy with 30 cars in his yard parked one in front of the house which is probably a good thing. Electricity is still on, which boggles the mind.

Don't expect there's anything I can do but thought I would type all this out because I think about it sometimes.

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Gold Singer: Ray Charles: MP3 Downloads for $3.99
Added on : Friday February 07th 2014 04:00:05 AM
g: 1 Posted By: Deals4mykids
Views: 194 Replies: 0 Gold Singer: Ray Charles: MP3 Downloads for $3.99

100 original remastered recordings of the R&B great Ray Charles. You will be hard pressed to find a more complete and sweeter sounding collection, and certainly not for only $3.99 !
If you think that's too good of a deal, you could buy them all individually for $89.00. : )

http://www.amazon.com/Singer-Original-Recordings-Collection-Rema...

Start downloading. You'll be glad you did. Enjoy !

The tracks:
1 You Don't Know Me
2 Georgia On My Mind
3 I Can't Stop Loving You
4 What'd I Say
5 Hit the Road Jack
6 I Got a Woman
7 The Man I Love
8 Ruby, Pt. 1
9 You Are My Sunshine
10 Bye Bye Love
11 A Fool for You (Live)
12 Come Rain or Come Shine
13 My Melancholy Baby
14 Hallelujah, I Love Her So
15 Stella By Starlight
16 Making Believe
17 Hot Rod (Live)
18 Don't Tell Me Your Troubles
19 Half as Much
20 I'll Never Stand in Your Way
21 Chattanooga Choo Choo
22 Soul Meeting
23 Black Coffee
24 Ain't That Love
25 Sweet Georgia Brown
26 I Love You so Much It Hurts
27 Just a Little Lovin' (Will Go a Long Way)
28 Moonlight in Vermont
29 In a Little Spanish Town
30 Mess Around
31 Greenbacks
32 Early in the Morning
33 Talkin' 'bout You (Live)
34 Cherry
35 Ain't Misbehavin'
36 Hardhearted Hannah
37 Sherry (Live)
38 I'm Wonderin' and Wonderin'
39 Worried Mind
40 Dawn Ray
41 Black Jack
42 Your Cheatin' Heart
43 Joy Ride
44 The Ray
45 Music, Music, Music
46 It Makes No Difference Now
47 Born to Lose
48 Roll With My Baby
49 Jumpin' in the Morning
50 Josephine
51 No Letter Today
52 Night Time Is the Right Time
53 Teardrops in My Heart
54 Mr. Charles Blues
55 Hard Times (No One Knows Better Than I)
56 Sinner's Prayer
57 Oh, Lonesome Me
58 Nancy
59 I'm Movin' On
60 Hang Your Head in Shame
61 Feelin' Sad
62 Ray's Blues
63 Marie
64 Don't You Know Baby
65 All to Myself
66 Careless Love
67 Th' Ego Song
68 Blues Waltz (Live)
69 The Sun's Gonna Shine Again
70 Late in the Evening Blues
71 I Wonder Who
72 Mr. Charles' Blues
73 Diane
74 My Bonnie
75 Take These Chains from My Heart
76 Nobody Cares
77 Come Back Baby
78 Hey, Good Lookin'
79 You Win Again
80 Heartbreaker
81 Someday (You'll Want Me to Want You)
82 Doodlin
83 I Love You, I Love You
84 Candy
85 The Snow Is Falling
86 Bags' Guitar Blues (feat. Milt Jackson)
87 Blue Genius
88 The Midnight Hour
89 Kissa Me Baby
90 Undecided
91 Lonely Boy
92 I Wonder Who's Kissing Her Now
93 I Got a Woman (Live)
94 Charlesville
95 Margie
96 Baby Let Me Hold Your Hand
97 Love On My Mind
98 Midnight
99 I'll Do Anything but Work
100 Just for a Thrill
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Turbo Tax/Tax Act - Basic version
Added on : Thursday February 06th 2014 04:00:16 AM
g: 0 Posted By: jgooner22
Views: 50 Replies: 1 Forgive me for asking this naive question.

This is the first time I am doing my own taxes using Turbo Tax or Tax Act (can't decide which one I should go with). I only have W2, 1099-INT and 1099-DIV to be taken care of. tIRA and standard deductions, no mortgage, kids etc. Do I really need anything other the basic version for either TT or TA? I don't see any benefit of going with the deluxe version, or am I missing anything? Thank you.
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More ZZ Top: Eliminator: ZZ Top: MP3 Downloads for $3.99
Added on : Thursday February 06th 2014 04:00:09 AM
g: 1 Posted By: Deals4mykids
Views: 219 Replies: 0 More ZZ Top: Eliminator: ZZ Top: MP3 Downloads for $3.99

This is their 1983 acclaimed LP brought to digital.

CD Price: $9.98

Limited Time MP3 Price: $3.99

YES. There are a couple crossovers from the "Greatest Hits" Collection posted yesterday. {and it appears a slightly different version of "Legs"}

But some folks like the full LP experience from whence a song came.{me for example} So here you are ZZ Top fans, just for you ! Decide for yourself if you want this deal too. Heck for only $3.99 why not ?

http://www.amazon.com/Eliminator-ZZ-Top/dp/B001F5M9MG

The tracks:
1 Gimme All Your Lovin'
2 Got Me Under Pressure
3 Sharp Dressed Man
4 I Need You Tonight
5 I Got The Six
6 Legs [Album Edit Version]
7 Thug
8 TV Dinners
9 Dirty Dog
10 If I Could Only Flag Her Down
11 Bad Girl
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​More ZZ Top: Eliminator: ZZ Top: MP3 Downloads for $3.99
Added on : Thursday February 06th 2014 03:00:02 AM
g: 0 Posted By: Deals4mykids
Views: 0 Replies: 0 More ZZ Top: Eliminator: ZZ Top: MP3 Downloads for $3.99

This is their 1983 acclaimed LP brought to digital.

CD Price: $9.98

Limited Time MP3 Price: $3.99

YES. There are a couple crossovers from the "Greatest Hits" Collection posted yesterday. {and it appears a slightly different version of "Legs"}

But some folks like the full LP experience from whence a song came.{me for example} So here you are ZZ Top fans, just for you ! Decide for yourself if you want this deal too. Heck for only $3.99 why not ?

[url]http://www.amazon.com/Eliminator-ZZ-Top/dp/B001F5M9MG[/url]

The tracks:
1 Gimme All Your Lovin'
2 Got Me Under Pressure
3 Sharp Dressed Man
4 I Need You Tonight
5 I Got The Six
6 Legs [Album Edit Version]
7 Thug
8 TV Dinners
9 Dirty Dog
10 If I Could Only Flag Her Down
11 Bad Girl
iRobot Roomba 770 - $75 off - $424.99 FS Amazon (price in cart)
Added on : Wednesday February 05th 2014 03:00:09 PM
g: 0 Posted By: Indecided
Views: 237 Replies: 0 Amazon has the irobot Roomba 770 for $424.99 with free super saver shipping. Regular $499.99. Link

Granted, it's not as low as the previous deals in August/October last year for 374.99 and 349.99 respectively, but it's the lowest on Amazon so far based on CamelCamelCamel.

The discount is a little sneaky - there's no mention of it on the product page, and it only shows up in the cart right before completing your order, so go all the way to the end.
I have Prime, so I don't know if that makes a difference.



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Question about making a Roth IRA withdrawal
Added on : Wednesday February 05th 2014 07:00:09 AM
g: 0 Posted By: CaliforniaDriver
Views: 36 Replies: 0 Hey guys,

I contributed about 9.5k and have a value of 13.5k
If I withdrawal $5k, I understand that there will be no penalty (tax wise) since its FIFO and im not taking any of my capital gains.
However my question is, do I get a timeframe to put it back in if I decide later that I dont need the money anymore?


Personal Finance Deals
g: 0 Posted By: bittul
Views: 205 Replies: 0 Click here to activate 20% off all Skin Care:
http://www.drugstore.com/beauty/skin-care/qxg180646-0?aid=339035&aparam=14wk23dsSKINC

Click here, click $1 coupon checkbox, and add to cart:
http://www.drugstore.com/curel-ultra-healing-lotion-for-extra-dry-skin/qxp345232?catid=182922

NOTE: 20% off is ONCE per account, so decide if this is the only item you want BEFORE submitting your order.

More deals with the 20% off here: http://www.fullofdeals.com/forums/hot-deals/1338773/
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drugstore.com Coupons
g: 0 Posted By: bittul
Views: 82 Replies: 0 Click here to activate 20% off all Skin Care:
http://www.drugstore.com/beauty/skin-care/qxg180646-0?aid=339035&aparam=14wk23dsSKINC

Click here and add to cart:
http://www.drugstore.com/nivea-creme-travel-sized-tin/qxp361730?catid=182946

NOTE: 20% off is ONCE per account, so decide if this is the only item you want BEFORE submitting your order.

More deals with the 20% off here: http://www.fullofdeals.com/forums/hot-deals/1338773/
Beauty Deals

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g: 0 Posted By: IL352010
Views: 217 Replies: 2 First, thank you for your ideas and suggestions. This truly means a lot to me. I have searched and read through the required materials on this board. Again, I genuinely thank you for your time. I have tried to include the most pertinent information below.

My question is: How much should I invest in my 401k v. how quickly should I pay off my student debt.

I am 26 years old. Graduated with a professional degree in mid-2013, passed my professional licensing exam and started working at a Fortune 500 company in early January 2014.

I managed to get out of undergrad with no student loans (working during the year + summers and earning grants and scholarships). I graduated from law school with $62,000 of debt and allocated it by percentage below. (All Federal Loans).

Direct unsub. Stafford- $33,000 (6.8%)
Direct Sub. Stafford- $17,000 (6.8%)
Direct Student Plus- $12,000 (7.9%)

I've been paying off interest as it comes due throughout law school and have no other debt whatsoever. That said- my savings are nearly 0. (I will be receiving my second paycheck this week).

My starting salary is $75,000 even. I expect to hopefully be able to increase that in the near future. Truthfully, in my industry, I'm fortunate to have a job right now. That said, once I gain a few years of experience I believe I will be able to increase that figure dramatically.

My company offers a 6% 401k matching plan, which vests on a graded scale. Meaning- they will match my first 6% fully, however, after my first full year of employment 33% of their match will vest and be mine if I leave the company. After two years- 66% will vest and then after 3 years 100% of their match will vest. This worries me a bit because it is not uncommon to find or be offered a higher paying job within that time span. I suppose I'll have to decide how big a pay jump and whether it's worth it at the time.

Also my employer is a public traded company and they offer a ESPP. They will match the first 3% of contributions, after-tax, to that program.

I've also started a Roth IRA- although I have only put a few hundred dollars in it so far. I live in Chicago with a roommate and pay about $1,000/month total for rent, utilities, etc. I picked this living arrangement so that I could not have a car and walk about 4 blocks to work each day. If I need a car for a particular day for work- my employer will pick up the zipcar tab- which is great. My goal is to stay in this specific living situation for about 2-3 years. I eventually hope to save to buy a modest 1 or 2 bedroom condo.

Back to my question- Any advice on the strategy of repaying my loans and saving for retirement would be incredibly helpful. Again, thank you for your time and consideration.



Personal Finance Deals
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
g: 0 Posted By: jaymanthegreat
Views: 184 Replies: 0 10-Movie Mega Pack, Vol. 3 (Full Frame) $4.00

You Save: $10.99 (73%)

Movie Description:

"Sex & Mrs. X": Joanna Scott and Madame Simone are as different as night and day. Joanna, a reporter muddling through a divorce after ten years of marriage, is hopeless in the dating department. Madame Simone's mantra as a matchmaker in the most romantic city on the planet is "If you've got it, flaunt it."
"Another Woman's Husband": Laurel, a psychologist, has finally decided to confront her paralyzing fear of swimming and enrolls in lessons with Susan, a swim instructor at the community center. The two become fast friends as they share their dreams and secrets with each other, but they face the ultimate test in friendship when they discover they share something else: the same man.
"The Rendering": After being brutally attacked by a deranged stalker, artist Sarah Reynolds drew a perfect sketch of her assailant to put him behind bars.
"Taming Andrew": After her ex-husband kidnaps her young son, Andrew, Gail launches a desperate five-year search to find him. And when she finally gets him back, he's not the sweet child she remembers - it'll take every bit of courage, patience and strength for Gail and her family to come together again.
"The Haunting of Lisa": When a young child is murdered in a city park, the police find that the key to solving the gruesome crime may be nine-year-old Lisa Downey. Like her mother, Ellen, Lisa is blessed - and some say cursed - with haunting premonitions of looming dangerous events.
"Untamed Love": Caitlin, a troubled child with a violent past, has shuffled from one program to the next and is now on the verge of being admitted to an institution. But when she is temporarily placed in Maggie's classroom, she is finally given the chance to shine - and Maggie discovers that a sweet, smart child is waiting to be discovered.
"Just Ask My Children": Bakersfield, CA, 1982. Brenda and Scott Kniffen, parents of two boys, are handcuffed in their home and taken to jail on molestation charges. They're innocent and there's no solid evidence, so they're prepared for an open and shut case. But little did they know, they'd spend the next decade in jail as their children are shuffled from one foster home to another.
"Invisible Child": A devoted mother and wife, Annie Beeman has two children, but believes she has three. Her family pretends that five-year-old Maggie is real and cleverly manages to keep Annie's hallucinations under wraps until they hire a nanny, Gillian.
"Dangerous Evidence": Desperate to bring closure to the high-profile rape case of a Marine's wife, the military justice system convicted Lindsay Scott, who, despite no evidence against him, was charged with the crime. What they didn't know is that civil rights activist Lori Jackson would single-handedly lead a daring charge against them and free an innocent man.
"The Good Fight": When Tony, her son's best friend recently diagnosed with cancer, begs Grace Cragin (Christine Lahti) to take on a big tobacco company in his honor, she can't refuse the case. But she never could have predicted how dirty the game would become, nor how personal the fight for justice would get.
http://www.walmart.com/ip/10-Movie-Mega-Pack-Vol.-3-Full-Frame/1...
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Valentine's Day (Widescreen) $4.00 @ www.walmart.com
Added on : Sunday February 02nd 2014 09:00:03 PM
g: 0 Posted By: jaymanthegreat
Views: 26 Replies: 0 Valentine's Day (Widescreen) $4.00
You Save: $10.99 (73%)
Movie Description:

"Sex & Mrs. X": Joanna Scott and Madame Simone are as different as night and day. Joanna, a reporter muddling through a divorce after ten years of marriage, is hopeless in the dating department. Madame Simone's mantra as a matchmaker in the most romantic city on the planet is "If you've got it, flaunt it." "Another Woman's Husband": Laurel, a psychologist, has finally decided to confront her paralyzing fear of swimming and enrolls in lessons with Susan, a swim instructor at the community center. The two become fast friends as they share their dreams and secrets with each other, but they face the ultimate test in friendship when they discover they share something else: the same man. "The Rendering": After being brutally attacked by a deranged stalker, artist Sarah Reynolds drew a perfect sketch of her assailant to put him behind bars. "Taming Andrew": After her ex-husband kidnaps her young son, Andrew, Gail launches a desperate five-year search to find him. And when she finally gets him back, he's not the sweet child she remembers - it'll take every bit of courage, patience and strength for Gail and her family to come together again. "The Haunting of Lisa": When a young child is murdered in a city park, the police find that the key to solving the gruesome crime may be nine-year-old Lisa Downey. Like her mother, Ellen, Lisa is blessed - and some say cursed - with haunting premonitions of looming dangerous events. "Untamed Love": Caitlin, a troubled child with a violent past, has shuffled from one program to the next and is now on the verge of being admitted to an institution. But when she is temporarily placed in Maggie's classroom, she is finally given the chance to shine - and Maggie discovers that a sweet, smart child is waiting to be discovered. "Just Ask My Children": Bakersfield, CA, 1982. Brenda and Scott Kniffen, parents of two boys, are handcuffed in their home and taken to jail on molestation charges. They're innocent and there's no solid evidence, so they're prepared for an open and shut case. But little did they know, they'd spend the next decade in jail as their children are shuffled from one foster home to another. "Invisible Child": A devoted mother and wife, Annie Beeman has two children, but believes she has three. Her family pretends that five-year-old Maggie is real and cleverly manages to keep Annie's hallucinations under wraps until they hire a nanny, Gillian. "Dangerous Evidence": Desperate to bring closure to the high-profile rape case of a Marine's wife, the military justice system convicted Lindsay Scott, who, despite no evidence against him, was charged with the crime. What they didn't know is that civil rights activist Lori Jackson would single-handedly lead a daring charge against them and free an innocent man. "The Good Fight": When Tony, her son's best friend recently diagnosed with cancer, begs Grace Cragin (Christine Lahti) to take on a big tobacco company in his honor, she can't refuse the case. But she never could have predicted how dirty the game would become, nor how personal the fight for justice would get.http://www.walmart.com/ip/10-Movie-Mega-Pack-Vol.-3-Full-Frame/1...
Free Kindle Book - The Unofficial Guide to Nutella
Added on : Thursday January 30th 2014 07:00:07 AM
g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/dp/B006YRN15O

4.1 out of 5 stars (24 customer reviews)

Nutella. A mix of chocolate and hazelnut If you know it, you love it!
We, the World Nutella Day co-hosts, decided to put together this primer for both aspiring and veteran Nutella fans to better understand their favorite hazelnut spread and help spread the word about Nutella!
Inside the guide, you'll find Nutella recipes with full-color photos (black & white on classic Kindle), an introduction on how to eat Nutella, our favorite Nutella combinations, fun ideas for how to enjoy Nutella, how to throw your own Nutella party, and much more.
If you like to cook, or just want to experiment with some sweet treats, you'll love the recipes in The Unofficial Guide to Nutella.
g: 30 Posted By: Redbeard25
Views: 1074 Replies: 21 text<---link to all eligible products

Okay, FatWalleters, this isn't in "Free stuff" because you still have to pay shipping and handling, and please, please, please follow through with the promise to review the product:

Facebook Friends! Free coffee

Recently, we decided to take the coffee business to the next level and start offering on Amazon. But as we all know, its very much a feedback related type business to get new customers using that channel.

Ive talked to my partners and we agreed that for our friends and family, if you pay for shipping ($4.49 Amazon doesnt have an option to credit this) , we will give you a 33oz bag of coffee (whichever flavor we have available on Amazon) for FREE. We are asking that after you get it, please write a feedback for the product you chose.

How to find us on Amazon:

Search - america's best coffee 33oz
Select the coffee that you like - There are quite a few to choose from (flavors and grinds).
At checkout, use promo code ONEGRIND (all caps).
We appreciate your support and feedback!

You are welcomed to share this with your friends as well.

I consider all of you my friends (and actually checked this one out with a friend of the business owner before I posted it.) So, go ahead and buy some, and set yourself a reminder to write that review.

Thanks in advance for roasting this deal green!

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g: 7 Posted By: Redbeard25
Views: 371 Replies: 5 text<---link to all eligible products

Okay, FatWalleters, this isn't in "Free stuff" because you still have to pay shipping and handling, and please, please, please follow through with the promise to review the product:

Facebook Friends! Free coffee

Recently, we decided to take the coffee business to the next level and start offering on Amazon. But as we all know, its very much a feedback related type business to get new customers using that channel.

Ive talked to my partners and we agreed that for our friends and family, if you pay for shipping ($4.49 Amazon doesnt have an option to credit this) , we will give you a 33oz bag of coffee (whichever flavor we have available on Amazon) for FREE. We are asking that after you get it, please write a feedback for the product you chose.

How to find us on Amazon:

Search - america's best coffee 33oz
Select the coffee that you like - There are quite a few to choose from (flavors and grinds).
At checkout, use promo code ONEGRIND (all caps).
We appreciate your support and feedback!

You are welcomed to share this with your friends as well.

I consider all of you my friends (and actually checked this one out with a friend of the business owner before I posted it.) So, go ahead and buy some, and set yourself a reminder to write that review.

Thanks in advance for roasting this deal green!

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g: 0 Posted By: scottxmso
Views: 40 Replies: 0 Long ago, I opened my Paypal account before I even had a driver's license. Of course, having registered while I was a minor is against Paypal's terms forbidding users under 18. However, I was never caught as an underage user, and continue to use the same Paypal/eBay accounts to this day. I'm not even sure if this is still possible today, given all of the regulation and such regarding identity verification on online payment services.

But recently, I failed approval to get a PayPal debit card (the MasterCard that will allow you to withdraw/spend your PayPal balance) and PayPal decided to "limit" my account until I give them sufficient proof of identity. This was likely the result of a mixup between names (between my first name name and middle/given name, which I accidentally chose as "first name" on PayPal.) And the necessary outcome of this seems to be that I need to change my name, which requires lots of documentation. Not surprising, though. (Interestingly I had such a card before I was 18 too, but I later canceled it due to non-use. AML procedures and such must be tougher now.)

And the only thing I'm "limited" from doing is actually closing the account; it lists virtually everything else I can do on Paypal as not part of being "limited". Really, I had hoped that I would avoid giving this kind of extensive documentation to PayPal, but at this point it seems kind of inevitable. I've sent 4-5 documents already, but they are asking specifically for photo ID with date of birth.

Of course, giving proof of DOB will give away that my account was registered a while before I turned 18, although I'm an adult now. Is this something that they care about, or do they just want proof of identity information to meet AML requirements and the like? I can see how they'd note that I violated the TOS there if I was a minor, but I'm not sure if Paypal customer service is so pedantic that they'd go back and suspend my account for something I did many years ago. Of course, it's not unheard of to cut off customers completely just because an algorithm predicted that you were a high risk. Is it likely that Paypal would shut down my account if they find out I opened it well before my 18th birthday? My eBay and PayPal reputation have both been very good the whole time, with only a couple eBay negatives and a handful of Paypal disputes (for probably 1000+ transactions on PayPal)...so I have caused little trouble.

This situation was probably going to come sooner or later. Sure, maybe I would have done things differently with PayPal when I was a kid. But I wouldn't be surprised if many of the other younger folks in this forum had PayPal accounts open before they turned 18 too. I just want to figure out the best way to deal with this. And if sending an ID with DOB should be okay even though it shows that I registered as a minor, then that's the way I will probably go about this.

Thanks!
Question Deals
Canon imageCLASS MF4770n B&W Laser at $99 shipped from buy.com with coupon
Added on : Wednesday January 29th 2014 05:00:05 PM
g: 0 Posted By: thriftier
Views: 172 Replies: 1 I saw this deal from an email from Buy.com (akaRakuten.com). It is an all-in-one (print/copy/fax/scan).
you'll see $149.99 price, till you enter 'CANON50' at the 'review order' page. The final price of $99.99 is ~$18 cheaper than Amazon at present.

I own a MF4370n and is happy with it. Replacement cartridge can be found under $20, from Amazon.Somehow couldn't make it print/scan from network. so I decide to buy another to use with USB 2.

http://www.rakuten.com/prod/canon-imageclass-mf4770n-black-white...
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Neighbor's leak has caused property damage - difficulty getting resolution
Added on : Wednesday January 29th 2014 09:00:10 AM
g: 0 Posted By: udonoogen
Views: 133 Replies: 1 Hello Fatwallet!

I thought I might be able to get some advice on how to resolve this issue - which has been a lot more difficult to do than I originally thought.

The Story:
- I have a detached garage in my townhome complex. Above my detached garage, there is another unit owned by another neighbor, who rents it out via a property management company. His porch is directly above a portion of the garage.
- I live in Southern California. It's usually sunny but occasionally it really pours here.
- In Spring-ish 2013, it rained pretty heavily and caused the drywall in my built-in cabinets to collapse. Water damage turned into mold.
- I began the process of contacting the HOA, which in turn contacted the other owner. No response. It's not a big deal, since it's my detached garage, so it fell through the cracks with other life priorities (e.g. new baby).
- It rained again in September/October last year and water was draining out of my cabinet again. I contacted the owner's property management company and they sent out a contractor to do an estimate. I contacted them persistently since then and they gave me various excuses. They finally told me a couple weeks ago that the owner had postponed the repair due to lack of funds.
- I contacted my insurance agent and she said my homeowner's couldn't do much because they can't repair the source of the leak. The HOA claims they are only responsible for the roof (not the porch).
- I filed a Better Business Bureau complaint against the property management company yesterday and emailed their customer service, copying my HOA representative. Short of that, I'm running out of options to get this fixed (short of paying for his porch repair, myself).

Do y'all have any suggestions? I have a group legal plan through work but I understand I'll still have to pay for a portion of the attorney's fees. If I go to small claims court, do I get my attorney's fees back? If I call my homeowner's insurance (Mercury), would they fight for this on my behalf, since it is causing damage to my property? I am concerned about the black mold and (later on) resale value of this townhome when our family decides to move.

Thanks in advance!
Real Estate Deals
DRM-Free Time Machine Sale @ GOG. com
Added on : Wednesday January 29th 2014 07:00:03 AM
g: 1 Posted By: slervik
Views: 255 Replies: 0 GOG.com is having their DRM-Free Time Machine Sale. LINK Below I have quoted the description of the sale

"Fasten your seatbelts and prepare for a fascinating ride to the early days of PC gaming and back again, with 30 excellent titles selected from the years 1983-2013, available up to 90% off (that is for as little as $0.59!). You'll find amazing games in amazing prices featured one by one on GOG.com main page, and before the sale is done you'll be able to complete your very own display of gaming history on a budget below $65 (because this would be the cost to get every single game in the sale). Are you ready?

There's more than just buying games incredibly cheap to our DRM-Free Time Machine Sale! We're ready to pass its steering wheel (or rather the control console) to YOU. Each game in the sale is offered for a limited time only, and how long we stay in its year is up to you! Each time you see a new game on sale you can vote to either add or subtract 1 second from the timer. Each time you buy a game, you add 3 seconds to the time of it being on sale. We begin with 1983's Zork, bundled with the rest of the Zork Anthology of 6 games in total, for only $1.79. How long will it last on the front page? You'll be the judge. What comes next, as the game of 1984? Let's find out!

Let's take a trip in GOG.com's DRM-Free Time Machine Sale! 30 great games from 1983-2013 will be available up to 90% off, and you get to decide how long each game is on sale. Ready? The technomagical gateway to 1983 opens NOW!

* "Again?", you might ask, "when did they ever do the time warp?". Well, once you embark on a journey through time, all becomes relevant and there's absolutely no guarantee that what you are doing, you are doing for the first time. In fact, that's highly improbable. After all, time isn't linear. It's more like a giant wobbly-bobbly goggy-boggy ball of gaming awesome! "

I'll try to keep the thread updated for you guys, so you'll have a chance to see all of the games..

1983: Zork Anthology
1984: Ultima 1+2+3
1985: King's Quest 1+2+3
1986: Might and Magic 6-pack: Limited Edition
1987: Space Quest 1+2+3
1988: Police Quest 1+2+3+4
1989: SimCity 2000 Special Edition
1990: Wizardy 6+7
1991: Wing Commander 1+2
1992: Star Control 1+2
1993: Cannon Fodder
1994: Jagged Alliance
1995: Crusader: No Remorse
1996: Tomb Raider 1+2+3
1997: Carmageddon Max Pack
1998: Rayman Forever
1999: Legacy of Kain: Soul Reaver
2000: ?
2001: ?
2002: ?
2003: ?
2004: ?
2005: ?
2006: ?
2007: ?
2008: ?
2009: ?
2010: ?
2011: ?
2012: ?
2013: ?

Video Games Deals
Bob Harper 7-Day Cleanse - $7.95 + FS @ Amazon
Added on : Tuesday January 28th 2014 04:00:02 PM
g: 0 Posted By: heyyl0w
Views: 218 Replies: 1 Amazon has the Bob Harper 7-Day Cleanse for $7.95 with free shipping. This was a few dollars cheaper back in June.

Cleanses are basically glorified laxatives/diuretics, but they're great ways to jump-start a healthy lifestyle. The reviews are mixed on Amazon, so take the time to read them before you decide on this for yourself!

Feel revitalized and refreshed
Gluten-free and dairy-free
Gently flushes your system with senna
Contains aai and a scientifically researched key ingredient


"Bob harper Americas inspirational tv trainer has dedicated his life to giving you the inspiration, the encouragement, and the supplements you need to help you reach your weight-loss goals. Thats why he helped create the smart weight losstm starter kit. Its formulated to his highest personal standards and made with clinically proven key weight-loss ingredients. You can trust it works! This 7-day kit is a great way to get yourself started. It comes in an easy-to-use AM/PM format."
Health Deals

Amazon Coupons
Short-term investments for spending later
Added on : Sunday January 26th 2014 12:00:11 PM
g: 0 Posted By: RunToday
Views: 144 Replies: 4 Hey all,

I need some advice on where to drop a growing amount of money (~$1k monthly) into a place that I can get it out without too much effort at some unpredictable point in the future assuming I find something fun to do with it (dream vacation, etc). HY checking accounts are not an option because I don't enjoy working to meet their minimal requirements, and the point of having this extra money is to have fun. On the other hand, I wouldn't mind investing/experimenting in private equity because the value of holding something that may generate money is fun to me in a weird way. In that case, I wouldn't necessarily need an easy way to cash out at an arbitrary time.

I make $50k annually. In 4 years I'll make $150k (on the low side) annually, putting me in the "spend now, save later" school of thought. But, I'm still living an austere and single lifestyle now, and take in approximately $15k annually more then spending. I've maxed a Roth for 2013 and 2014. Last year I almost maxed a 401k too but decided against any 401k contributions this year (just doesn't make sense with my career and near-future salary bump).

I have about $9k in savings, growing at ~$1k/month. The plan is to keep $5k in cash holdings and put the rest in some other equity of anykind. Right now I was thinking a total bond ETF but that's kind of tame. What other options are there?
Investing Deals
UPDATE: 2504-pc. Loom Bandz Set w/ Tools - $5 + FS @ Daily Sale
Added on : Wednesday January 22nd 2014 03:00:04 PM
g: 10 Posted By: heyyl0w
Views: 2451 Replies: 10 DailySale has a 2504-pc. Loom Bandz Set w/ Toolsfor $5 with free shipping. This was supposed to be a one-day sale, but apparently they decided to extend it.

Took a second for me to get the site to load but opening it in a new browser helped.

Features

100% Brand new and high quality
Can make bracelets, necklaces, rings, and more
Makes a great gift for both girls and boys
Warning: recommended for children 8 years old & up
Adult supervision required for younger children
Not for children under 3 years old due to potential choking hazard, as well as functional sharp object (hook tool)
Set includes: 2400 x rubber Loom Bandz in assorted colors, 100 x S-clips, 4 x loom hooks

Clothing Deals
Bachelor of Arts in BA but want to pursue accounting certificate
Added on : Tuesday January 21st 2014 11:00:13 AM
g: 0 Posted By: CaliforniaDriver
Views: 41 Replies: 1 Hey guys,

Profile: Mid 30's
State: CA
BA from an accredited UC school in business.

I decided that I want to go the accounting route. I understand that I can pursue the MBA route but I'd rather get an accounting certificate at my UC extension program and get a certificate in about 1 1/2 years. My question is that when I was in school, many of my peers who had an Accounting Degree was able to get into entry level accounting positions at the Big 4.

If I have a BA and get an accounting certificate (assuming 4.0), would I also be considered for an entry level? Although Im close to making 6 figures, I'd rather not continue my current path and get into accounting which can be versatile in the long run.

I appreciate all the feedback.
Personal Finance Deals
g: 0 Posted By: heyyl0w
Views: 175 Replies: 0 E.L.F. Cosmetics has Free Shipping on orders of $15+today only. Enter code "DREAMY" at checkout. Free shipping threshold is usually $35.

Personally, I like their skincare and brushes as well as most of their eye products. Read the reviews to decide if something is best for your needs. Sometimes the item descriptions can be a little misleading.

One option to get your $15 worth would be to get a mini makeup set. You'll receive a variety of products while spending the minimum amount you need to use the coupon code.

Here's a mini 27-piece palettefor $15. I bought it for my cousin for Christmas and she loves it. Alternatively, here is onefor $20 that has 83 pieces - usually it's $35.

Happy shopping
Health & Beauty Deals

e.l.f. Cosmetics Coupons
How should I report this income on my tax return?
Added on : Sunday January 19th 2014 05:00:13 PM
g: 0 Posted By: MisterEd
Views: 152 Replies: 2 Please, not looking for morality lectures or "why did I accept it" lectures, or "why didn't I quit" lectures all I want to find out is how to report this income properly.

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

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

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

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



Tax Deals
CURealty - Earn cash back on real estate purchase/sale transactions
Added on : Friday January 17th 2014 04:00:11 PM
g: 0 Posted By: mistadeal
Views: 85 Replies: 0 Text

Whether you are buying or selling a home, you can earn a cash rebate back in the amount of 20% of your real estate agent's commission when you start your real estate search with a participating credit union. It is pretty simple actually - here's how I did it:

1. Visited my local credit union when looking for a mortgage to purchase a home. They told me about this program, which they participate in, and they referred me to a participating agent.
2. My agent filled out a form or two for me to sign, and he sent it in to CU Realty for processing at closing.
3. Purchased a home, waited 60 days, and received a rebate check for 0.6% of the purchase price (20% of my agent's 3% commission).
4. Sold my home, waited 60 days, received another rebate check for 0.6% of the sale price.

Overall I received a cash rebate of about $2,500.

Notes:
-To find participating realtors in the area, you can fill out the enroll form on the site or chat with a live representative during regular business hours.
- This is obviously YMMV based on participation - From the site text, it seems like you might not even need to belong a credit union and can possibly directly be linked to the participating realtors. But since it is CU realty, I feel like you might need to link to a participating CU to be considered, at least initially.
- Iended up actually using PenFed CU for my loan since my local CU could not match their 5/5 ARM terms. PenFed does not participate in this program, but since I started my real estate search with a CURealty participating credit union and considered their mortgage products before choosing PenFed, the rebate was still allowed.
- The CU had a list of participating realtors, I just happened to choose the first one referred to me because he came highly recommended. You can probably be more selective and interview some before you decide on a particular one. I learned to appreciate my realtor during the process because I came across some really flaky ones while looking at open houses.
- I'm not sure about tax implications, I will post a reply once I hear back from them about whether this rebate is taxable income.

Site text:
Our Realtors = Rebate.CU Realty has partnered with some of the top real estate professionals in your area to provide members with an outstanding opportunity to work with a trusted Realtor and earn a substantial rebate all at the same time.

How does it work?Its really quite simple. When you use any agent in our network to buy or sell your home, youll earn a cash rebate equal to 20% of the agents commission. That money is yoursapply it towards closing costs, agent commissions or take the cash outright! Its your choice.*

How much can you save?Use the chart to the right to estimate your savings. The rebate is based on the total home price, not the amount mortgaged.
HomeAdvantageis an exclusive service provided by your Credit Union in partnership with CU Realty Services, the nations leading provider of real estate services for credit union members. Best of all, the program isabsolutely free!To take advantage, simplyenrolltoday. Once youve enrolled, youll have access to all the tools and expertise youll need.
Sample Average CU Realty Home Rebates Home Sale Price Rebate to Member* $200,000 $1,200 $400,000 $2,400 $600,000 $3,600 $800,000 $4,800
*Rebates are awarded to buyers and sellers registered in the CU Realty program before they begin their home search or sale and who use a REALTOR from the Approved Agent network. Examples of rebate amounts shown here are based on 3% commission rate; your agents commission rate may differ. Terms of receiving the rebate vary by state and credit union. Please check with your credit union for specifics on their program.
Real Estate Deals
Girlfriend housing problem
Added on : Friday January 17th 2014 10:00:12 AM
g: 0 Posted By: brucesprings
Views: 70 Replies: 2 My girlfriend has rented a townhome for the last 6 years following a divorce. She was a stay at home momfor most of her marriage which her ex wanted and she enjoyed which makes it difficult to find job paying a decent wage. She is nearing the end of alimony and child support payments and was working a part time job for years up until recently when she started looking for full time employment. Then last night she finds out her landlord has decided to sell townhome which was an investment property that is worth $100,000 less than what she paid for it 8 years later. She asked my girlfriend if she wanted to buy it for $160,000 and I think my girlfriend has enough money to pay cash for it but due to no job at moment is hesitant. My question is would bank give any kind of mortgage to her so she wouldn't have to pay all cash as she will need money for other things and I would assume paying all cash is not a good thing.
Personal Finance Deals
Can i save money on my HW Floor of my new house
Added on : Friday January 17th 2014 07:00:10 AM
g: 0 Posted By: bobaldie
Views: 77 Replies: 0 I recently signed for a new home construction , around 700k. I am trying to cut costs where possible and one that crossed my mind is to get some work done by private contractor. Ideally i would like to do the work later after some time but things like flooring it is better done before move-in. Someone suggested we take just basic flooring(carpet) from builder and then the day you take possession and before move-in have your contractor do the HW.

What do I gain:
- I can get more HW flooring for same amount
- I can get it done for less (guessing it could save at least 5 - 7k)

Concerns:
- Quality of work done by private contractor vs builder
- Will the builder raise any issues or do i void any warranty
- It appears portions of the floor i can get it done by the builder for very cheap but if i get the private contractor to do the rest .. would it be possible for private contractor to match it perfectly


Am i being penny wise in this case or anyone done similar? If so, what is your experience. I have to decide quickly as I need to inform my builder which route i take.


Personal Finance Deals
g: 0 Posted By: remick
Views: 123 Replies: 0 http://www.amazon.com/gp/product/B00HOG9BT4

5.0 out of 5 stars (7 customer reviews)

Would you love to create great tasting soups from scratch but think there is some mystique to soup making?
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Making soup is very easy
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These are four very good reasons to jump in a start creating your own soup masterpieces without recipes. Open your mind, create some original soups and impress your family and friends with your new talent. Homemade vegetable soup, chicken noodle soup, fresh tomato soups are just some of the soup classics you can put together with very little effort. Whether you choose traditional methods or the more up to date crockpot, any soup you decide to make will come out perfectly when you follow these simple directions.

Everything you need to know about soup making, from making your own stock to stocking your cupboards is discussed in detail.



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Fresh and Fast Soups Made Easy - 25 Soul-Satisfying Vegetarian Soups Almost Everybody Loves
http://www.amazon.com/Fresh-Fast-Soups-Made-Easy-ebook/dp/B005OT...


The Slow Cooker Soup Cookbook
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Totally Free Deals
g: 0 Posted By: rite
Views: 155 Replies: 2 So back last December I went to R & F and bought a couch. At the store I applied for the 0% financing . I filled up the paperwork and left. 1 day later I get a call from the store asking me to come back because they forgot to get my signature on some more papers. I didn't want to go back so I decided to pay it off with my CC.
Today I received a store card from R & F with a pretty decent limit. I check my credit report and of course these guys had done a hard query and dinged my score.Needless to say I am frustrated.
My question is , Is it legal that they run my credit report even after my application was incomplete (according to them)
What should I do to have them fix my score?
Any suggestions to fix this is really appreciated
Thanks
Personal Finance Deals
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: bigdinkel
Views: 134 Replies: 2 Not everyone with an American ExpressCard qualifies for the same features. We are pleased to offer you theExtended Payment Option.Enroll now and as an added bonus, you can earn 10,000 Membership RewardsPoints.

Flexibility You can decide to pay over time with interest on eligible purchases of $100* or more.=9px1The APR will be a variable rate, currently 15.24% or 18.24% (the rate assigned will be the same as the current rate for your Select and Pay Later facility). You maintain the option to pay your balance in full each month. No Enrollment Fee There is no fee to enroll and you will continue to enjoy all of the benefits of your Platinum Card. Enrollment Bonus 10,000 Membership Reward Points for enrolling by February 28, 2014


Credit Deals
Slim-Fast "Meal" Bars: 10 for ~$6 @ Amazon & Drugstore.com
Added on : Sunday January 12th 2014 06:00:03 AM
g: 1 Posted By: bittul
Views: 168 Replies: 0 Decide which is cheaper for you depending on whether you have Shoprunner or not, and/or whether you have 5x S&S for the month @ Amazon...

2 5-packs are [for select flavors]:

$6.23 (+FS w/Shoprunner) @ drugstore.com
$6.83 (+FS) w/ Regular S&S @ Amazon
$5.86 (+FS) w/ 5x S&S @ Amazon
$5.37 (+FS) w/ 5x S&S + mom @ Amazon


Must add two to cart to benefit from BOGO 50% off.

For drugstore.com

[CLEAR COOKIES / PRIVATE BROWSING then] click here to activate 20% off "Bars".
http://www.drugstore.com/category.asp?catid=184309&aid=337642&aparam=14wk19dsBARS
Click here and add 2 to cart. (price above is based on the $5.19 flavors)
http://www.drugstore.com/user/promo.asp?code=slimfastbogo50jan14&trx=29984&trxp1=146587&trxp2=4


For Amazon.com

Click here and add 2 via Subscribe and Save (price above is based on the $4.88 flavors)
http://www.amazon.com/SlimFast-Chocolate-Fudge-Brownie-Count/dp/B00APTJMHS/


~~~~~~~~~~~~~
Note: Amazon also still has the Snack Bars, 12 for $4.20 [or as low as $3.30] + Free Shipping w/S&S.

Peanut Butter Crunch Time: www.amazon.com/gp/product/B00APTHUEK
Double-Dutch Chocolate: www.amazon.com/gp/product/B00APTIV02
Chocolate Mint: www.amazon.com/gp/product/B00APTIR5G

Food Deals

drugstore.com Coupons
Fighting off wrong EZPass charges... is it possible at all?
Added on : Saturday January 11th 2014 05:00:05 PM
g: 0 Posted By: ilya2012
Views: 140 Replies: 1 Hi everyone,

Upfront disclaimer: amount of EZPass charges in question in my case is less than $10. It is just a matter of principle that I don't like paying for something that I should not be paying for. If you consider such an approach a complete waste of time (which it might well be) then you might better save you time on something more useful instead of reading below Thanks.

Short description: Live close to NYC, don't own a car, rent cars on a regular basis (at least 3-4 times a month). To save time and money I bought my own EZPass tag, good suction mount for it and move it from car to car together with GPS.
EZPass NY recommends to register all cars being used with a specific tag by their license plate to be able to charge a specific account if a registered car goes throw a toll plaza and the system fails to read a tag. It is a quick process and I used to do it every time renting a new car right from my smartphone, just for a peace of mind. I remove license plates from my account right after I drop the car back to the rental company (usually the same day).

It worked like a charm for a very long time, until I rented a car from Dollar Rent-a-Car for one day in April last year. I returned a car next day at around 09:00am, went to the meeting and eventually logged to my EZPass account to remove a license plate there in the afternoon.
Several days later I see several toll charges for the total of ~$8 in the area nearby coming from the plate recognition of the rental car. The timestamp says somewhere around 11:30am the same day I returned this car, but before I removed it from my EZPass account (so, obviously, a guy/girl who rented a car after me decided somehow not to pay tolls and EZPass had to read his plates and matched it to my account).

Thinking that the situation is very simple, I wrote an email request to EZPass through their website with a detailed explanation asking to credit those charges back to my account and go after the owner of this car (Dollar) for those toll violations. Several days later I get an answer to call them.

(skip many months)

Long story short - in total I tried to contact them 5 or 6 times using all types of communication (email, phone, snail mail). I sent them my rental car receipt that I asked Dollar to send me, that clearly says that I dropped the car at 09:00 and at the time of those charges it was NOT in my possession. The last LETTER I received from them made me seriously think if I speak to a brick wall and if my explanations are actually being read by someone or I'm just getting automated "F**K OFF" answers for all my communication - basically, they write that they have reconfirmed that the license plate had been recognized properly (like I argued with that) and ask me to provide documentation that I sold this car or got rid of it by other means if I was not in its possession.

My brain starts to explode here. I wrote them 2 or 3 times that it was a RENTAL car. I sent them rental receipts twice. I just don't understand what else can/should I do? )


Is it about the money? Of course, no, at least now. I think I am close to spending similar amount on postal stamps and I already spent much more in terms of my time dedicated to this. What pisses me off most is that I thought that rental receipt is going to be a universal and unquestionable proof that I was not a driver at the time of violation. "Sir, a car with a plate XXX-ZZZ was involved in bank robbery and triple homicide yesterday. We saw you in this car three days ago, so you are under arrest... - Sure, but guys, I dropped this RENTAL car 2 days ago, sorry. Bye.". Apparently it is not, at least for EZPass.

What should I do next? The most natural answer is obviously "Let it go. Forget" and I lean towards this myself, but I hate situations like that and want to make it right..

Any ideas? Is there any authority I can report EZPass to? (I guess they don't really care about BBB...)

Personal Finance Deals
20% off bibles and books at laridian.com
Added on : Saturday January 11th 2014 07:00:03 AM
g: 0 Posted By: ryansteele
Views: 95 Replies: 0 20% OFF POCKETBIBLE BIBLES AND BOOKS
Add a new book (or two) to your PocketBible app at special savings.

Pick a Bible. Choose a commentary. Whatever you decide, be sure to use Priority Code ALL20 at checkout to get 20% off your purchase of PocketBible Bibles and books at our website now through January 14 (excludes PocketBible Libraries and NIV Bible).
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Books Deals
Free Pink Zebra Sprinkle Samples
Added on : Saturday January 11th 2014 03:00:05 AM
g: 0 Posted By: remick
Views: 81 Replies: 0 https://docs.google.com/forms/d/1jhl3pi-m4UufKozriM12mCXrRpPkx7h...

Sprinkles are made in America of our premium Soft Soy wax and high-quality fragrance oils, which are blended together at super concentrated levels to deliver up to 50% more fragrance than average candles. Designed to give you home fragrance variety at an affordable price, Sprinkles allow you to decide what you want, how much impact you want, and when you want it.

Just simply pour it on.
No mess, no worries.
Food & Grocery Deals
Family member likely being laid off...sort of
Added on : Friday January 10th 2014 08:00:05 PM
g: 0 Posted By: chaster86
Views: 127 Replies: 0 So this is going to come as kind of a unique situation (sorry, it's kind of long), and I'd appreciate any insight as to how this can be handled in the best way and potentially to get the most payout (from the severance).

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

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

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

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

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

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

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

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

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

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

What would you do in her shoes? I appreciate any insight.
Discussion Deals
ON SALE: Forzieri - Dandy - Sterling Silver Giglio Cuff Links
Added on : Friday January 10th 2014 09:00:12 AM
These sterling silver round cuff links feature a fleur-de-lis, the traditional symbol of Florence. Understated and decidedly worldly fashion statement for the elegant man. Gift box included, made in Italy.
ON SALE: Forzieri - Gold Plated Giglio Button Covers
Added on : Friday January 10th 2014 09:00:12 AM
These gold plated round button covers feature an elegantly designed fleur-de-lis, the traditional symbol of Florence. Understated and decidedly worldly, you»ll have no trouble complementing your wardrobe with these. (Gold Plated, Italian made)
ON SALE: Forzieri - Silver Plated Giglio Button Covers
Added on : Friday January 10th 2014 09:00:12 AM
These silver plated round button covers feature an elegantly designed fleur-de-lis, the traditional symbol of Florence. Understated and decidedly worldly, you»ll have no trouble complementing your wardrobe with these. Gift box included, Made in Italy.
g: 1 Posted By: jessicadabears
Views: 232 Replies: 0 LEGO Friends (Nintendo 3DS) for $19.99 at Amazon w/ Free Super Saver Shipping on purchases $35+.

Express Yourself: Pick out your clothing, hairstyle and accessories, decorate your bedroom the way you want
Choose your favorite animal as a pet and even pick out accessories for your pet
Join your new Friends on unique adventures; Enjoy different activities with each friend as you learn about her unique personality, sets of interest and personal style
Explore Heartlake City and decide how you want to spend your time; Hang out with your friends at the cafe, play soccer, attend dance rehearsal, or visit the karate dojo
Help your Friends on special adventures like winning a trophy in a horse riding competition and your friendship levels with the girls will grow closer to True Friend status
Train your pet to do tricks, groom her, feed her treats, and enter her in a pet show; Each pet has a special skill that they can use to help you on your adventures; You can even trade places with your fun-loving pet so you can play as her

This has gotten great reviews on Amazon
3DS Games Deals

Amazon Coupons
Car dealer ripoff issues....
Added on : Tuesday January 07th 2014 07:00:11 PM
g: 0 Posted By: ZDog377
Views: 86 Replies: 0 Hello everyone,

Here is the situation I have run into over the past few weeks with my car, a 2009 Hyundai Sonata. The car has a little over 66K on it now, it had about 63K when the issue started.

- The car had been making a harsh downshift from 2nd gear into 1st only when the car was cold. When it warmed up it was fine. I decided to get a fluid and filter change on the transmission to see if it solved the issue. It did not, it made things worse.
- Since I had a third party warranty through the purchasing dealer, I decided to take it back to them and have them do diagnostics to determine what was wrong.
- Dealer did 1/2 hour of diagnostics at $46/.5 hours and came to the conclusion that the transmission was bad. They told me that they had a transmission there but it could be covered under my third party warranty. It would be roughly $2600 if it wasn't covered. They said that I needed to get them all my maintenance records so they could send them to the warranty company to let them make a determination. This was quite an issue because I normally do all my own work on my vehicle.
- Decided to call another dealer in the area to see what their price on a transmission was. New dealer mentioned to me that there was an update for the ECM and TCM to fix this issue and it would only cost me an hour of labor to do (~$100). My wife took it last Friday to get the update done and I have driven the car several times since and the issue has not come back.

My question is this: is it fair to ask the original dealer for a refund of the diagnostic charge? They did not even mention the update to me, it was just that I needed a new transmission. Also, would it be worth it to email Hyundai corporate and mention what is going on here? I've had one or two minor issues with this dealer before, but this one definitely takes the cake.

If any one would like more info, please let me know.

Personal Finance Deals
g: 1 Posted By: cogitovici
Views: 268 Replies: 0 I did not see this get posted yet. Costco had it for $229 on BF, I think, then MS had it for $99 and $199. I decided not to get it then wished I had, though some reviews say Dell is dumping these because they are no good, but I decided to grab one today at Staples. On sale this week for $249.99.

CES is this week, so I am leaving it in the box to see if there are any better 8" WIN 8 tablets on the horizon. I bought a Nokia 521 to fool around with and thought this would add another dimension to that and my wife's WIN 8 desktop. We will see, though she seems to want nothing to do with this or the 521.

Just another toy. Anything better out there right now? I have a 2012 Nexus 7 that works pretty good but thought I'd mess around with the WIN 8 ecosystem.
Windows Tablets Deals

Staples Coupons
Tablet Flash Sale @ Cowboom today only
Added on : Thursday January 02nd 2014 05:00:05 AM
g: 0 Posted By: infinitemonkeys
Views: 265 Replies: 0 CowBoom.com is having another flash sale on tablets. You can find some good deals on open box and returned items. Note, these are not refurbished and all will show some signs of use (or they would just be put on the Best Buy floor), but the signs of use can vary from visible to hard to find. I have purchased several items from them and been very happy.

Some warnings about the flash sales, though. If you are interested in an item, be sure to check the condition just before you purchase. They will cycle through items throughout the day and each time the same item comes up, it will be one in different condition. So, if you see an item in good condition and decide to come back later, it could be the same item in different or worse condition.

They have a very good return policy and are easy to work with if you do have a problem. All CowBoom.com sales are for the day only and flash sales cycle through products until they are gone.

www.cowboom.com
Tablets & iPads Deals

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Straight Talk Unlimited Three Months - $125.99 - Walmart.com
Added on : Wednesday January 01st 2014 12:00:04 AM
g: 2 Posted By: Hoogineer
Views: 2405 Replies: 31 I never saw this posted, but I wanted Straight Talk users to know that the three-months card has been on sale for $125.99 and it EXPIRES TODAY. This is $9 off the regular price. I decided to purchase one as a bridge to hopefully a better discount on the six- or twelve-months cards.

You have two purchase options:
- Directly from Straight Talk
- From Walmart.com-- 2% FWCB

Straight Talk doesn't look like it'll let you purchase without having a number activated already, whereas WalMart.com will just email it to you regardless.

If your shipping address is in a no-sales-tax state, you won't have to worry about sales tax.

Edit: Updated title to just mention WalMart since price directly from Straight Talk expired last night.
Services Deals

Straight Talk Coupons
Asics Kayano 19 men's running shoes $78.28 AC
Added on : Tuesday December 31st 2013 06:00:03 AM
g: 0 Posted By: StudlyDego73
Views: 174 Replies: 0 I had some Amazon gift cards burning a hole in my pocket and I was also in dire need of new running shoes. So I decided to upgrade from my Asics Gel 1160s to these Kayano 19s. Amazon has a coupon for $15 off $75 in certain Athletic shoes right now with code NYNYSHOE.

Different colors are different prices. The black/red/lime appear to be the cheapest. I wasn't a huge fan of the pic of them, but when I had them delivered yesterday, I was pleasantly surprised that the lime did not "pop" as much as it does in the pictures. Obviously not all sizes will be available. At the time I ordered, the black/red/lime were the only ones available in 12; however, now there seems to be a bigger selection. This is a great running shoe and after a 5 mile run it feels great. I don't do more than 3-5 miles at a time due to back issues, but I can say that at shorter distances these provide great support and cushioning. Probably a tad heavy to do marathons in, but I know people who have with older versions.

Kayano 19
Shoes Deals

Amazon Coupons
Straight Talk Unlimited Three Months - $125.99 - exp 12/31 (TODAY!)
Added on : Tuesday December 31st 2013 04:00:05 AM
g: 1 Posted By: Hoogineer
Views: 203 Replies: 1 I never saw this posted, but I wanted Straight Talk users to know that the three-months card has been on sale for $125.99 and it EXPIRES TODAY. This is $9 off the regular price. I decided to purchase one as a bridge to hopefully a better discount on the six- or twelve-months cards.

You have two purchase options:
- Directly from Straight Talk
- From Walmart.com -- 2% FWCB

Straight Talk doesn't look like it'll let you purchase without having a number activated already, whereas WalMart.com will just email it to you regardless.

If your shipping address is in a no-sales-tax state, you won't have to worry about sales tax.
Services Deals

Straight Talk Coupons
Blue Cash (5% after $6500 spend) Still Available
Added on : Monday December 30th 2013 08:00:07 AM
g: 0 Posted By: dvaught
Views: 85 Replies: 2 Hey everyone. I happened to be reading through a post on myFico and someone mentioned that the Blue Cash (old version) is still available to be applied for. Since I already have a few Amex cards, including the Blue Cash Preferred, I decided to call to see if they would let me switch. Much to my delight, the rep had no trouble switching me to the Blue Cash.

I don't think I have to tell you why this is a big deal.

If you're having trouble finding it on the site, try opening this link in incognito mode in Chrome.https://www304.americanexpress.com/credit-card/blue-cash/

Good luck!
Credit Deals
HELP Needed Understanding Wash Sale Rules
Added on : Saturday December 28th 2013 05:00:05 PM
g: 0 Posted By: fwbuckeye
Views: 69 Replies: 2 So I have read this http://www.tradelogsoftware.com/resources/definitive-guide-to-wa... and other sites http://www.schwab.com/public/schwab/resource_center/expert_insig... about wash sale rules and i am still a little confused. Here is my situation, I bought and sold various stocks in a cash account making a decent gain throughout the year in september and november i bought positions in a new stock. These positions are since down about 40%. Now I bought this stock at various levels on the way down so the initial large purchase has a huge loss but subsequent losses are smaller. So far it's all clear, the tricky part is I also bought the same stock in my Roth IRA and SEP IRA (again a few months ago). I would like to sell the cash account position (if possible only the first purchased one --largest loss to offset the capital gains in other stocks throughout the year). I would like to keep the IRA positions. Everything I read seems to say close out all open positions in which you are taking a large capital loss by the end of the year--I don't think the IRS mandates this but it seems to be general advice. I think the stock will rebound within the next year so I would like to keep the IRA positions since I get no losses from them. I don't want to do anything to jeopardize the large capital loss though so if there's any chance that something will be questioned, I would liquidate the IRA positions. I do plan on buying this stock again in February after the 31 day period has lapsed. Can someone with some experience in this clarify whether I need to sell my IRA holdings if I'm taking the loss and also whether I can keep an open position in the stock (ie some shares I purchased in November and sell only the ones I bought in September). I have about 2 trading days to decide so any help soon would be appreciated.
Discussion Deals
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.


Toys Deals

Amazon Coupons
g: 0 Posted By: badsister
Views: 1 Replies: 0 I've been calling doctors and hospitals confirming network status for United Healthcare's on-exchange plans.
Several doctors noted on the list informed me that they are not, in fact, participating in the exchange plans.
I would follow up by calling United with what the doctors told me and they would do nothing more than simply go the the xny site (which obviously i didnt need their help for) to confirm or negate a provider's network status according to what was noted online.

One of the hospitals i phoned was Sloan Kettering, as they were on the list (while though i heard that they were not participating).
They told me that they had negotiated a contract, but decided not to sign it. they are, therefore, officially not participating.

So i called United once again, and the rep i spoke to told me (sit down for this), that the list of providers on xny.com is their CURRENT list of providers and has nothing to do with the exchange plans.
I'm pretty sick over this, as if we want a United plan (with what is 'supposed to be' the largest network) we are buying completely blind as to who is in-network.
Is this not major fraud?

American express eliminates message center
Added on : Saturday December 21st 2013 04:00:05 PM
g: 0 Posted By: nymgiants
Views: 127 Replies: 1 I needed to reach amex because it appears i did not receive my reward points. I do not like to call as i want proof of info received as in a prior incident. Amex provided me with incorrect info causing an issue of several hundred dollars in lost rewards. luckily i had used message center and after sending an email to the ceo office, after amex refused to fix it despite admitting it was their erroneous info, the ceo's office credited me back. so when i saw this small potenital issue i wanted a electronic paper trail.

When I clicked on message center under messages, instead of being able to send a secure message i got this message .In order to better serve you, we now offer Live Chat as an alternative to email. You can chat live with a Customer Care Professional to get an immediate response to your inquiries. I decided to use chat as i thought i would get a paper trail. after waiting almost 10 minutes for a chat rep to be avialble, i proceeded to get a clueless rep that kept repeating incorrect info and ignored what i typed. so i gave up and called. The rep on the phone did try to help but they did not have access to view the reward activity screen I needed.

Did anyone else see the replaced option, or was it just mine that was eliminated

Credit Deals
Disney Movies $14(DVD) or $17 (Blu-ray & DVD) + tax @ Costco
Added on : Saturday December 21st 2013 11:00:03 AM
g: 1 Posted By: junkregisterjk
Views: 280 Replies: 0 The instant dollars off (-$5 forDVD or -$8 forBlu-ray/DVD) is still going on for select Disney movies at your local warehouse.
This promotion is set to expire 2-28-2014, or when the vendor decides to end it early.
This discount is not available online at Costco.com.

A DVD will run $13.99 + tax on the original price of $18.99.
A Blu-ray/DVD combo will run $16.99 + tax on the original price of $24.99.

Selection: There were some recent movies (Monsters University, Brave) and some older titles (Wreck it Ralph, Little Mermaid, Tangled, Incredible, Cinderella, etc).
Selection will vary at your warehouse.

The -$8 sure made the Blu-ray/DVD combo cheaper than Amazon (new and used), Target, WalMart, BestBuy, etc.
DVD Deals
ON SALE: Alessi - Caccia - Stainless Steel Serving Fork
Added on : Saturday December 21st 2013 09:00:16 AM
This slender design origins in 1938 from Luigi Caccia Dominioni, and Livio and PierGiacomo Castiglioni. Alessi decided to put it back in production because today it represents a milestone of the creative Alessi process. Made in Italy
ON SALE: Alessi - Caccia - Stainless Steel Serving Spoon
Added on : Saturday December 21st 2013 09:00:16 AM
This slender design origins in 1938 from Luigi Caccia Dominioni, and Livio and PierGiacomo Castiglioni. Alessi decided to put it back in production because today it represents a milestone of the creative Alessi process. Made in Italy
Stubhub.com 5% Rewards starts today, 12/21/13 thru 12/25/13
Added on : Saturday December 21st 2013 01:00:05 AM
g: 0 Posted By: DaysFan
Views: 195 Replies: 0 http://www.stubhub.com/
http://www.stubhub.com/promotions/scratch/common/gc_fr.jpg


The 5% rewards promotion period starts on December 20, 2013 12:00 AM PST and ends on December 25, 2013 11:59 PM PST
Must be enrolled in StubHub Fan Rewards prior to purchase.
Offer applies only to gift certificates purchased on stubhub.com to receive the 5% in rewards. Other event purchases will earn rewards at the standard rate for your level of membership.
Offer only applies to gift certificates purchased in the same order and cannot be combined with other offers, discounts, promotions or gift certificates.
Offer does not apply to previous gift certificate purchases.
Offer is non-transferable, void where prohibited, not redeemable for cash and has no face value.


Except as set out above, all other terms and conditions of the StubHub Fan Rewards program apply to this promotion. Promotion is subject to change without notice.
These are the StubHub Fan Rewards Program Terms & Conditions ("Program Terms"). These Program Terms are effective on September 16, 2013, or upon acceptance for all eligible StubHub users who have successfully registered for the Program.StubHub Fan Rewards Program Terms & ConditionsThe StubHub Fan Rewards Program ("Program") is designed to reward StubHub users for purchasing tickets on www.stubhub.com. Eligible Participants will receive Rewards based on a percentage of their Eligible Purchase or through other promotional offers and have an opportunity to redeem Rewards in accordance with the following Terms and Conditions:

Eligible Participants. An "Eligible Participant" means a StubHub user who meets, and continues to meet during participation in the Program, the following criteria:

1.1 Is a registered member of www.stubhub.com with a StubHub account in good standing (no hold or suspension) and is a legal U.S. or Canadian (excluding Quebec) resident who has reached the age of majority or older in their jurisdiction of residence, with a U.S. or Canadian (excluding Quebec) registration address tied to his/her StubHub account;
1.2 Accepts these Program Terms;
1.3 Receives confirmation of registration in the Program from StubHub;
1.4 Has not been previously terminated from participation in the Program by StubHub.

Earn Rewards Toward Rewards FanCodes. The Program allows Eligible Participants to earn Rewards on every Eligible Purchase they make on www.stubhub.com. These Rewards will then be converted into a Rewards FanCode when the Eligible Participant accrues $10 in Rewards.

2.1 Eligible Purchase. "Eligible Purchase" means a purchase made by an Eligible Participant that meets the following criteria:

2.1.1 The Eligible Participant purchased tickets, gift certificates, parking passes, hospitality, packages, and service and delivery fees after confirmation of Program registration on www.stubhub.com.
2.1.2 StubHub has verified delivery of the purchase via a courier, the ticket is available for download on PDF/email format, or Last Minute Services (LMS) has confirmed ticket pick-up (collectively, "Verified Delivery").
2.1.3 The amount of an Eligible Purchase does not include any gift certificate redemption, Customer Service credit, any FanCodes, whether issued as Rewards under this Program or through other StubHub channels, partial refunds, free items, purchases that fail to comply with applicable StubHub Terms and Conditions, past purchases, and non-shipped, undeliverable or returned items.
2.1.4 For canceled orders and refunds, StubHub will reduce an Eligible Participant's Rewards balance (even if the purchase was returned or refunded after the Eligible Participant already redeemed Rewards for such item) and this may result in a negative Rewards balance. StubHub reserves the right to place a hold or suspend an Eligible Participant's StubHub Fan Rewards account in the Program if the Negative Rewards Balance is not reversed within 6 months.

2.2 Rewards. "Rewards" means a U.S. dollar amount which may become redeemable in the form of a Rewards FanCode (see Section 2.3 below) attributed to the Eligible Participant's StubHub account. Rewards will be calculated as follows:

2.2.1 Once StubHub receives Verified Delivery of an Eligible Purchase, it will issue Rewards based on the Eligible Participant's membership status to the Eligible Participant within 72 hours. The Rewards earned will be displayed on the Eligible Participant's "Rewards Summary" within "My Account".

2.2.1.1 Star Status. "Star" is the status designated to an Eligible Participant who completes fewer than 10 purchases or spends less than $2,000 in a calendar year. Eligible Participants at this status will earn Rewards at the rate of 2% on the amount of their Eligible Purchases. When an Eligible Participant enrolls in the Rewards Program, they will automatically be set at Star status.
2.2.1.2 Superstar Status. "Superstar" is the status designated to an Eligible Participant who completes 10 or more purchases or spends $2,000 or more between January 1, 12:00 am PST, and December 31, 11:59 pm PST, of each calendar year. Eligible Participants at this status will earn Rewards at the rate of 3% on Eligible Purchases. Once an Eligible Participant achieves Superstar status, their Superstar benefits begin immediately upon qualification in the current calendar year through December 31, 11:59 pm PST, of the following calendar year. For example, if an Eligible Participant makes their 10th Eligible Purchase for the calendar year on August 1, 2011, their Superstar status will begin on August 1, 2011 and remain intact through December 31, 2012. Eligible participants with Superstar status may also receive additional benefits at StubHub's sole discretion.


2.3 Rewards FanCode. "Rewards FanCode" means an electronic certificate that is awarded to an Eligible Participant after the Eligible Participant earns $10 in Rewards.

2.3.1 StubHub will endeavor to issue an Eligible Participant a Rewards FanCode within 72 hours after an Eligible Participant has earned $10 in Rewards, but StubHub may take longer to issue a Rewards FanCode. StubHub reserves the right to withhold issuance of a Rewards FanCode if StubHub is investigating an Eligible Participant's compliance with these Program Terms or any other of its policies.
2.3.2 Any earned Rewards FanCode, including its expiration date, will be displayed in the StubHub Fan Rewards section of My Account and on the Rewards summary page. You will also see any unused, unexpired Rewards FanCode in the checkout flow when you make a purchase.


Rewards FanCode Redemption. An Eligible Participant may redeem any Rewards FanCodes issued by StubHub in accordance with the following requirements:

3.1 The Rewards FanCode is valid and redeemable by an Eligible Participant for six (6) months after StubHub issues the Rewards FanCode.
3.2 Rewards FanCodes may only be redeemed on www.stubhub.com.
3.3 An unused or partially used Rewards FanCode is forfeited when the Rewards FanCode expires.
3.4 Rewards FanCodes may be redeemed together, unless StubHub specifies otherwise.
3.5 To use a Rewards FanCode, the Eligible Participant must place an order before the expiration of the Rewards FanCode. During checkout, the Eligible Participant must select the checkbox for the Rewards FanCode they want to use.
3.6 The Rewards FanCode will be applied to the total purchase price and any unused amount remaining on a Rewards FanCode, if any, will continue to be available to the Eligible Participant until that Rewards FanCode expires.

Restrictions

4.1 Rewards Restrictions

4.1.1 Expiration of earned rewards. Rewards totaling less than $10 that have not been converted into Rewards FanCodes are forfeited if the Eligible Participant cancels their membership in the Program, the Eligible Participant's StubHub account is terminated or suspended, StubHub terminates the Program or the Eligible Participant's participation in the Program, or the Eligible Participant has not made an Eligible Purchase on www.stubhub.com within 12 months.
4.1.2 Earning limits per transaction. Subject to these Program Terms, there is no limit to the total Rewards an Eligible Participant may earn for each Eligible Purchase transaction or in a calendar year.
4.1.3 Rewards may only be earned on Eligible Purchases made on www.stubhub.com.
4.1.4 Rewards may only be earned on one StubHub account per Eligible Participant, regardless of the number of StubHub accounts used by such Eligible Participant.
4.1.5 Rewards will be tied to the StubHub account of the Eligible Participant and Rewards cannot be combined across any other StubHub accounts.
4.1.6 StubHub reserves the right to hold back or otherwise suspend Rewards after purchase in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards may not be earned or may be removed from the Eligible Participant's account during StubHub's investigation.
4.1.7 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards after posting.
4.1.8 If an order is canceled, the Rewards earned for that purchase will be deducted. If the order resulted in a Rewards FanCode, the Rewards FanCode will be voided if unused. If the Rewards FanCode has been used, the Rewards deducted may result in a negative Rewards balance.
4.1.9 If an Eligible Participant cancels their membership in the Program with a negative Rewards balance in their account and subsequently decides to rejoin the Program, the negative Rewards balance will remain.

4.2 Rewards FanCode Restrictions

4.2.1 Rewards FanCodes are not transferable, have no cash value and cannot be redeemed for cash. Rewards FanCodes will be cancelled and become null and void if sold, purchased or transferred, whether for value or not, except as expressly provided in these Program Terms.
4.2.2 Rewards FanCodes cannot be used retroactively for prior purchases.
4.2.3 Rewards FanCodes cannot be used to purchase gift certificates.
4.2.4 Rewards FanCodes can only be applied during online checkout, and cannot be applied retroactively by LMS or StubHub Customer Service.
4.2.5 StubHub reserves the right to hold back or otherwise suspend Rewards FanCodes in its sole discretion to investigate compliance with StubHub's policies. Consequentially, Rewards FanCodes may not be redeemed during StubHub's investigation.
4.2.6 StubHub reserves the right to fix any processing errors it discovers resulting in adjustments to Rewards FanCodes after posting.
4.2.7 Unredeemed Rewards FanCodes are not forfeited if the Eligible Participant cancels membership. However, these Rewards FanCodes may be forfeited if StubHub terminates the Eligible Participant's membership or terminates the Program.
4.2.8 If an Eligible Participant uses the Rewards FanCode towards the purchase of an item that is later refunded or credited, StubHub will credit back and reissue to the Eligible Participant the Rewards FanCode used on the refunded item with its original expiration date. If the FanCode's original expiration date has passed or is less than 30 days away from the date of reissuance, StubHub will issue the FanCode with a new expiration date of 30 days from the date of reissuance.


Other Terms and Conditions.

5.1 Modification and Termination.

5.1.1 StubHub reserves the right to modify or terminate this Program, in whole or in part, at any time by posting amended terms or a termination notice on the Eligible Participant's "Rewards Summary" section within "My Account", by sending an email notice to the email addresses tied to the Eligible Participant's StubHub accounts, or by any other means it deems sufficient ("Notice"). Except where stated otherwise by StubHub or as required by applicable law, all amended terms will be effective three (3) days after Notice. If any modification is unacceptable to you, your only recourse is to cancel membership of the Program by going to the StubHub Fan Rewards page, clicking "Cancel Membership" and then clicking "I'm sure" to confirm your cancellation. Without limiting the foregoing, StubHub may suspend an Eligible Participant's participation in the Program indefinitely to investigate potential violations of StubHub's policies without prior notice to the Eligible Participant. If StubHub in its sole discretion believes an Eligible Participant has or is using existing StubHub accounts or creating new accounts in order to circumvent or undermine these Program Terms, or is otherwise engaging in any activity not in keeping with the letter and/or spirit of the Program and these Program Terms, as interpreted by StubHub in its sole and absolute discretion, StubHub reserves the right to terminate the Eligible Participant's participation from the Program and their StubHub account.
5.1.2 To cancel membership in the Program, please go to the StubHub Fan Rewards Page under My Account and click the link "Cancel Membership". By cancelling, you forfeit all accumulated Rewards.

5.2 Other Restrictions. The Program is void where prohibited. All Rewards and Rewards FanCodes are subject to verification at any time. StubHub reserves the right, in its sole and absolute discretion, to invalidate any Rewards or Rewards FanCodes it deems to have been awarded in error, or as the result of any fraudulent activity, or any activity not in keeping with the letter and/or spirit of these Program Terms, as interpreted by StubHub in its sole and absolute discretion.
5.3 Combination with Other Programs. Rewards FanCodes may be redeemed with Gift Certificates, Discounts, Other Rewards FanCodes, and Customer Service credits as may be permitted by StubHub in its sole and absolute discretion. StubHub reserves the right to disallow the combination of certain Rewards FanCodes with any of the above listed or any other promotions it may offer from time to time.
5.4 Promotions. StubHub may in its sole and absolute discretion and from time to time, offer supplementary programs, rewards, benefits or promotions related to the Program. These Program Terms shall apply to such offers, along with any additional terms and conditions that accompany the offer, unless you are notified otherwise.
5.5 Limitation of Liability. TO THE EXTENT PERMITTED BY LAW, STUBHUB, INC. ("STUBHUB") STUBHUB SHALL NOT BE LIABLE FOR ANY CLAIMS, ACTIONS, INJURY, LOSS OR DAMAGE OF ANY KIND, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY OR DEATH, RESULTING FROM THE PROGRAM. THIS LIMITATION OF LIABILITY IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL DAMAGES OF ANY KIND, INCLUDING (WITHOUT LIMITATION) COMPENSATORY, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES; LOSS OF DATA, INCOME, OR PROFIT; LOSS OR DAMAGE TO PROPERTY; AND CLAIMS OF THIRD PARTIES. ELIGIBLE PARTICIPANTS OF THE PROGRAM AGREE THAT STUBHUB HAS NOT MADE NOR IS IN ANY MANNER RESPONSIBLE OR LIABLE FOR ANY WARRANTY, REPRESENTATION, OR GUARANTEE, STATUTORY, EXPRESS OR IMPLIED (INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, AND FITNESS FOR A PARTICULAR PURPOSE), IN FACT OR IN LAW, RELATIVE TO THE PROGRAM. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, STUBHUB DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES OR REPRESENTATIONS WITH RESPECT TO WWW.STUBHUB.COM OR THE PROGRAM, AND STUBHUB SHALL NOT BE LIABLE FOR THE CONSEQUENCES OF ANY INTERRUPTIONS OR ERRORS RELATED THERETO. THESE TERMS GIVE YOU SPECIFIC LEGAL RIGHTS. StubHub is not responsible for printing or typographical errors in any Program related materials; for stolen, lost, late, misdirected purchases; or for transactions and/or emails that are lost, misdirected, fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly or are lost for any reason including computer, telephone, paper transfer, human or other error; or for electronic, computer, or telephonic malfunction or error, including inability to access any web site associated with the Program, or process any transaction thereon. If in StubHub's opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Program, or if computer virus, bugs, unauthorized intervention, fraud, or technical difficulties or failures compromise or corrupt or affect the administration, integrity, security, fairness, or proper conduct of the Program, StubHub reserves the right at its sole discretion to disqualify any individual connected therewith, to modify or suspend the Program, or to terminate the Program. In all matters relating to the interpretation and application of any rule or phase of this Program, the decision of StubHub shall be final. StubHub reserves the right to cancel, amend or revoke the Program or any portion thereof at any time due to business considerations or circumstances beyond its control. Any attempt by an Eligible Participant or any other individual to deliberately damage any web site or undermine the legitimate operation of the Program is a violation of criminal and civil laws and should such an attempt be made, StubHub reserves the right to revoke any Rewards or Rewards FanCodes, and seek damages and other remedies from any such person to the fullest extent permitted by law. Any attempts by an individual to access any web site associated with the Program via a bot script or other brute force attack or any other unauthorized means may in the sole and absolute discretion of StubHub will result in the IP address becoming ineligible. Use of automated devices or programs to access, accrue, or redeem any Program benefits is prohibited.
5.6 The waiver by StubHub of a breach of any provision of these Program Terms by an Eligible Participant or other individual shall not operate or be construed as a waiver of any other or subsequent or preceding breach by an Eligible Participant or other individual. No waiver by StubHub of any right under the Program shall be construed as a waiver of any other right. StubHub shall not be required to give notice to enforce strict adherence to all terms of the Program.
5.7 Governing Law. For purchases made at www.stubhub.com these Program Terms and the Program will be interpreted, construed and enforced, and governed in all aspects in accordance with the exclusive jurisdiction and laws of the state of California. Any cause of action arising under or relating to these Terms and Conditions will be brought exclusively in a court in San Francisco County, CA. Any claim or dispute arising under or relating to these Program Terms will be brought exclusively in a court in San Francisco, CA.
5.8 In the event that any provision in these Program Terms is determined to be invalid, illegal, or unenforceable, such determination shall not affect the validity and enforceability of any other remaining provisions of these Program Terms.
5.9 All Eligible Participant personal information will be subject to the StubHub Privacy Policy available at http://www.stubhub.com/privacy-policy/ as may be amended from time to time in accordance with its terms. Without limitation, Eligible Participant personal information may be used to administer the Program


Services Deals
Amex Serve Linking and CVS Load Question
Added on : Friday December 20th 2013 11:00:03 PM
g: 0 Posted By: southerncynic81
Views: 16 Replies: 0 I just received my new AMEX Serve card and was attempting to link my HigherOne (wex bank issued) Debit card to it. The HO card is issued by my school for fin.aid refunds, and I had been using it for direct deposits and bill payments. I decided to switch because of their outrageous fees. The card has my name, an exp date, and an ach acct/routing number associated with it. It is not a "gift card", and I have been using it for 2 years now.

The issue I am having is that I made 3 attempts to link it to my Serve acct so I can transfer what remaining funds I have. Serve keeps giving me an error saying that it could not complete the request at this time. I assume that their system must think I am using a gift card of some sort? Could that be the issue? I am waiting still for their bank verification deposits to go through to the acct/routing associate with the HO Card as well.

If I can not link the card, that is fine. I was wondering if I would run into an issue with using the HO card at CVS to load for free from there. Would they still have a problem with that particular card being used?

I read their FAQs and it does not get into specifics about what type of cards can and can not be used to link and add funds.


Credit Deals
FHA loan vs. Conventional loan--which one is better?
Added on : Friday December 20th 2013 01:00:05 AM
g: 0 Posted By: dyslexiateechur
Views: 17 Replies: 0 I posted awhile back about owning several smaller rental houses but having issues getting financed for a larger house, due to medical collections. I was advised at that time to put it off for awhile, pay off my collections, and wait for my credit to improve on its on. I've done that and my credit is now high enough to qualify me for a mortgage.

We have found a house that we think we can pick up at a very good price that would fit our family's needs. I've turned in the paperwork, and now it's time to decide which route we want to go.

The house is listed at $159K, but we think we can get it between $120K and $130K. Our household income will be around in the $150K's for this next year.

Choice A:
FHA mortgage at 4.3% interest with $171 mortgage insurance required for the life of the loan. 3.5% down

Choice B:
Conventional Mortgage at 5.3% interest with $114 mortgage insurance required until we pay it 80% of the way down. 5% down.

We've got enough saved for the down payment, so that's not an issue.

I'm really thinking about going with B and paying it down to 80% right away. My husband thinks we can pay the house off completely within 3 years if we are aggressive, but with the fed getting ready to up interest rates, I'm not sure how wise that is.

Any advice would be greatly appreciated.
Oakland Raiders Youth Helmet & Jersey $14.96 w Prime @ Amazon
Added on : Thursday December 19th 2013 12:00:03 PM
g: 0 Posted By: SanDiegoDude
Views: 103 Replies: 0 Yes, I am a RaiderHater by default coming from San Diego, but a good deal is a good deal especially when delivered in time for Christmas. Reviews are good. Perfect for all you Raider fans who (against the advice of the rest of the planet) decided to procreate teehee

***NOTE:***
The set doesn't come with any bloody spikes, silver facepaint, werewolf teeth, or severed heads on spears, you crazy raider fans will have to buy those separately.


http://www.amazon.com/Oakland-Raiders-Replica-Helmet-Jersey/dp/B003LMT2C6



Sports & Outdoors Deals

Amazon Coupons
Family Financial Management Strategies
Added on : Thursday December 19th 2013 12:00:06 AM
g: 0 Posted By: DrToxic
Views: 61 Replies: 3 Hello everyone! I've been a long-time reader of FWF, but never much got around to posting anything up, so I figured now was as good a time as any to start! I am recently married, (1 month!) and with my wife and I wanting to start a family in the (relatively) near future, I wanted to ask if anyone had any advice they could share about how to manage the everyday money as a couple and as a family. e.g.: If you're married, do you have one person who primarily does all of the finances? Is there any specific strategy that you try to follow to make sure money comes and goes the way it should? Or even, if you have children, how do you teach them about money and financial responsibility from a young age?

Right now, her and I use what I like to call the "Automate & Skim" method. We have several high-rewards CC's, which all expenses are charged to. (Citi Forward for entertainment, PenFed for Gas, and the Priceline Rewards Visa 2% for everyday - all of which I found on FWF!) All of our paychecks are direct deposited to our joint checking, and throughout the month, our card payments deduct automatically when they come due. (We always pay in full) At the end of the month, we decide how much we want to keep in the account for next month by looking at our expected CC bills, then 'skim' the rest off the top and split it up into personal accounts for each of us, or put it towards a goal or vacation. I really like this method, and it feels pretty easy to manage to me, but sometimes it leaves her feeling like all of our money just gets dumped into a 'big black hole' and we wait to see what comes out at the end of the month. Because of that, I wanted to ask you all what methods you use - anything is helpful, I'm just naturally curious!
New User Question Deals
Monster High Scaris Catrine DeMew Doll @ Walmart - $15.97
Added on : Wednesday December 18th 2013 03:00:09 PM
g: 0 Posted By: Virgil27
Views: 331 Replies: 0 Monster High Scaris Catrine DeMew Doll @ Walmart - $15.97
compare at $35.40
Shipping adds $4.97.Can't decide between cats or Barbie dolls? Combine the two with this Monster High Scaris Catrine DeMew Doll from Walmart for $14 off shipped. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Toys Deals

Walmart Coupons
g: 3 Posted By: remick
Views: 288 Replies: 0 http://www.amazon.com/Sacred-Search-Couples-Conversation-Guide-ebook/dp/B00AIELY4E

In this companion resource to The Sacred Search, Gary Thomas helps dating and engaged couples work through the critical issues and questions they must address before they decide to marry. The Sacred Search Couple's Conversation Guide features 9 sessions of biblical study for couples, as well as a pastor/counselor's premarital plan for walking a couple through the guide.
Books Deals

Amazon Coupons
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
g: 3 Posted By: craig001
Views: 1056 Replies: 4 I would say this is a warm deal. But if you missed out on the Microsoft Store $99 Dell Venue 8Pro with 32GB and the subsequent $199 offer and still want to try one of these then this is a decent deal. TigerDirect has the Dell Venue 8 Pro 64GB on sale for $299.99 + S&H and possibly taxes. If you use your Amex card - activate the $30 off $100 offer at TD first or you can just use your Discover card with 10% CB (5% CB + bonus 5% CB for on-line purchases) for $29.99 CB, submit the $20 MIR on $100 TD purchase and then sign up for Great Fun and get their $20 rebate then add the 1% CB here on FatWallet you get to the $239.99. I have not decided if I wil do GreatFun! - they were not open for business when I placed my order. Factor in the $25 Microsoft Store GC and this deal is moderately hot considering you are getting the 64GB version versus the 32GB unit that was the rage last week.

Link: Dell Venue 8 Pro Tablet - Windows 8, 64 GB, 8" IPS (1280x800), Rear Camera + Front Camera, MicroSD Slot, Wi-Fi, Bluetooth, Black - BELL8-1818BLK
$20 MIR on $100 TD purchase: $20 Cashback* on $100 purchase - ends 12/16/2013

Tablets & iPads Deals

Tiger Direct Coupons
FREE 2-Months of Sirius XM Radio Service (No Credit Card Required)
Added on : Saturday December 14th 2013 08:00:03 AM
g: 0 Posted By: cyberpitstop
Views: 245 Replies: 0 http://care.siriusxm.com/preownedvehiclestrial_view.action
Saw this over a TB and thought I would share.~~*This is a free, no-obligation trial. No credit card or other payment information is required to take advantage of this offer, only your personal information is needed to set-up an account. If you decide to continue at the end of your trial subscription, service will continue until you call us at 1-866-635-2349 to cancel. See our Customer Agreement for complete terms at www.siriusxm.com. Our satellite service is available only to those at least 18 and older in the 48 contiguous USA and DC. Our Sirius satellite service is also available in PR (with coverage limitations).
Music Deals

SIRIUS Satellite Radio Coupons
g: 0 Posted By: craig001
Views: 39 Replies: 0 I would say this is a warm deal. But if you missed out on the Microsoft Store $99 Dell Venue 8Pro with 32GB and the subsequent $199 offer and still want to try one of these then this is a decent deal. TigerDirect has the Dell Venue 8 Pro 64GB on sale for $299.99 + S&H and possibly taxes. If you use your Amex card - activate the $30 off $100 offer at TD first or just use your Discover carr with 10% CB (5% CB + bonus 5% CB for on-line purchases) for $20 CB, submit the $20 MIR on $100 TD purchase and then sign up for Great Fun and get their $20 rebate then add the 1% CB here on FatWallet you get to the $239.99. I have not decided if I wil do GreatFun! - they were not open for business when I placed my order. Factor in the $35 Microsoft Store GC and this deal is moderately hot considering you are getting the 64GB version versus the 32GB unit that was the rage last week.

Link: Dell Venue 8 Pro Tablet - Windows 8, 64 GB, 8" IPS (1280x800), Rear Camera + Front Camera, MicroSD Slot, Wi-Fi, Bluetooth, Black - BELL8-1818BLK
$20 MIR on $100 TD purchase: $20 Cashback* on $100 purchase - ends 12/16/2013

Tablets & iPads Deals

Tiger Direct Coupons
Refurbished ipad mini $250 @ apple store
Added on : Friday December 13th 2013 07:00:05 AM
g: 0 Posted By: wwinters
Views: 206 Replies: 0 For all of us that missed (or had husbands that decided the day AFTER the sales ended that they wanted) the ipad mini's on sale at Best Buy or Target earlier in the season, Apple has some refurbished mini's for $250.
ipad mini
Refurbished iPad mini with Wi-Fi 16GB - Black & Slate

Originally released October 2012
Wi-Fi (802.11a/b/g/n)
Bluetooth 4.0 technology
7.9-inch LED-backlit display
5-megapixel iSight camera
FaceTime HD camera
1080p HD video recording
Dual-core A5 chip
10-hour battery life
Smart covers (sold separately), instant on
Multi-Touch screen
.68 pound and 0.28 inch
ipad mini


iPads Deals

Apple Store Coupons
Diminished Auto Claim
Added on : Thursday December 12th 2013 02:00:07 PM
g: 0 Posted By: wannabuyhome
Views: 152 Replies: 1 So I have been in an auto accident. just bought a jeep for 21k 2 weeks ago. Now I have repair bills for 5500 that are going through the process of getting paid. I am waiting on the police report, but it is pretty cut and dry the others persons fault. I have found a site such ashttp://www.collisionclaims.com/. Can I file that claim after they decide to repair my car or should it have to be done at the same time? I am in Indiana.
Question Deals
Income tax question, specifically 1099 income & reimbursed expenses....
Added on : Thursday December 12th 2013 09:00:16 AM
g: 0 Posted By: jonesjeremya
Views: 17 Replies: 0 I know, I know...this is FatWallet and not a CPA serivce. But since I don't have a CPA lined up quite yet, I have a quick question I hope one of you fine folks in the know can answer.

This is the first year (2013) I have done contractual work for my former full-time employer. They couldn't afford to keep me on as a salaried employee any longer (cash strapped/high debt) so we decided that I would work contractually for this year. It's actually worked out well for both of us so far.

I perform a service (on-site consult/repair of commercial equipment) to their industrial customer base, as I always had. The customer just assumes I am still an "employee" of Company X. Anyways, once I've completed a "job"I bill my former employer for my labor time (our lower negotiated hourly rate) and for my direct travel expenses (airfare, rental car, hotel, meal Per Diem, etc.) My former employer then bills their customer for all of the time (their higher hourly rate) and the associated exact cost expenses of the "job".

So, my question is this: Will my former employer only list out all monies they paid me as income on my 1099? Or will it be up to me to itemize/differentiate what was income and what was a direct expense? The have clear invoices from me and record of what was billable time (my income) and what was travel expenses as they bill their customer for the exact cost of the travel expenses. The main reason I ask is that this is the first time they have had a contract worker like this, and I'm not certain they know what exactly to do. This is also a first for me too, and I don't fully know either - in this circumstance.

I am operating as a sole proprietor, under my personal name for this year. Next year, if we decide to continue this arrangement, I will operate as an LLC C-Corp for the tax advantages. My "income" is expected to be around $70k, and the expected expense reimbursement is expected to be about $30k. Will the 1099 have a box with $100k only?

Thanks in advance for your knowledgeable advise!


Tax Deals
g: -1 Posted By: remick
Views: 190 Replies: 0 http://www.amazon.com/PUNCH-Days-Crossing-Your-Goal-Line-ebook/dp/B008X6FLZ2

5.0 out of 5 stars with 7 reviews

There is a goal-line in our everyday lives and most of the time we dont even recognize it when its right in front of our faces. We dont even know it is there, but it is. Punch It In will guide you in changing your life and accomplishing what you truly want, but only if you commit to the team.
What team you ask? If you decide to get this book, you will join a team of many people (including myself) who are dedicated to punching it in whenever they get near their goal-line. If you are ready to buy in, and I mean ALL IN, we cant wait to have you. Commit the next 25 days of your life to following this book and you will be pleased with the results.
PUNCH IT IN is written by Dan Gheesling, winner of the CBS show Big Brother. Since writing PUNCH IT IN, Gheesling has returned to Big Brother 14 for the 2nd time in hopes to reach his personal goal of winning the CBS show a 2nd time. Hopefully Dan can PUNCH IT IN!
Books Deals

Amazon Coupons
[First Post] Free music on google play
Added on : Tuesday December 10th 2013 09:00:10 PM
g: -1 Posted By: aRAGE
Views: 91 Replies: 0 Whats up fatwallet forum. So I've been lurking here for about 4-5 months... honestly? I've gotten some pretty cool stuff; for this I am appreciative. I decided to finally register and start contributing XD

Each week Google Play has been offering free playlists, or mixtapes if you will, of some pretty decent stuff. This week is 80's Classics. Last week was a "best of pop" compilation for like 2008-present; artists like T.I., Justin Timerberlake, Katy Perry, and so on. I, personally, never pay for music; but even so this is still a cool grab while its going on.






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

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

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

Personal Finance Deals
Naught: Appstore for Android FAOTD for $0
Added on : Friday December 06th 2013 05:00:08 AM
g: 0 Posted By: Deals4mykids
Views: 68 Replies: 0 Play with the gravity to lead Naught through a mysterious underground land where everything is possible.
In Naught, you decide how to play.
Rotate your device 360 degrees to make the scene turn around changing the world gravity or, if you prefer, you can select one of the two additional gaming controls (touch and drag mode or virtual pad mode).
http://www.amazon.com/Blue-Shadow-Games-S-L-Naught/dp/B00DNB9RXO

Totally Free Deals
Road trip suggestions NYC -gt; New Orleans -gt; Las Vegas
Added on : Thursday December 05th 2013 11:00:07 AM
g: 0 Posted By: mysteryAgain
Views: 29 Replies: 0 Continuing from this thread,we (a couple in late 20s, adventurous) decided to drive from NY to Las Vegas via New Orleans,leaving NYC on Dec 20 and returning (by plane) from Las Vegas on 31. ( I am fully aware that we're celebrating New Years in the sky). So we have about 11 days to make the trek.

How feasible is it and what are must see spots along the road? Please suggest.

Discussion Deals
g: -28 Posted By: medion
Views: 3053 Replies: 26 I apologize, but this may be a bit long winded. Here's the full story. I'm also not going to name the company involved, as I'm not interested in dragging a company name through the mud with this post.

My initial purchase was in May 2012. I purchased an audio amplifier from an online store that also has their own store-brand equipment. As such, you go through the store not only for returns/exchanges (45-day limit), but also for warranty service (1-year limit). This amplifier died in September 2013, more than one year after purchase. I didn't want to blow another $100 on a replacement amp unless I had to, so I decided to ask them how much it would cost me to have it repaired. I was pretty much dead set on <$50 = repair, and >$50 meant paying $90 for a better amp off Amazon, but I didn't tell them that.

I was shocked when they came back and said they'd do a courtesy replacement, and all that I had to do was mail it to them at my expense (roughly $15). They then clarified that the "replacement" would be a refund of $90, issued as a store credit towards any purchase. The same $90 amp on Amazon was $130 through these guys, so I figured between the extra cost and the one-way shipping, I'm paying $55 instead of $90. So, I clarified with them, stating that the credit card used in the May 2012 purchase has since been closed. They once again reiterated via email that the credit would be store-credit used towards my next purchase.

A week goes by and I've since received a store credit via email, but it doesn't reflect online. So, I called them and the rep stated that the store credit doesn't show up, but will be applied after purchase. So, I ordered online and paid my $130. However, once my CC was charged, I had to call them again. This time they told me that the store credit could only be used for phone orders, not online, and that the previous rep has mislead me (actually, they said that I had lied).We switched to email correspondence, and they promised to issue the credit towards the credit card used for purchase. I once again clarified that my original CC was closed, and she stated that they would refund the card used for my most recent purchase. They said to allow 7 days for this to process.

I waited 8 days (even though these things usually take 2-3 business days), and no refund, so I called them. They informed me that the refund had in fact been issued to the old credit card. There was nothing more that they would/could do and that I was SOL, but I could try calling the issuing bank. I did in fact call the issuing bank, but the card was closed just short of a year ago. We argued and I stated that if they had accepted the refund, they were obligated to give it to the intended recipient, or return it to the refunder due to account closure (no legal citation, just me trying to sound smart). that seemed to work, so they cut mea check. They wanted to charge me a $4.95 processing fee, which I convinced them to waive. So, in the end, I did get my money back.

However, I have a VERY stale taste in my mouth from the bait and switch from the online electronics company. They came forward with an amazing offer, but botched it every step of the way. At one point near the end, their rep even said, "But we gave you an offer that we didn't have to. That should count for something!" It doesn't count if it was a bait and switch. So, as for the chargeback, I'm leaning 75/25 towards not doing it on the prinicipal that I did in fact get my money back. I only want to do it to hit them for their negligence so that they see a penatly for handling transactions in this manner. So, this thread is primairly for me to see other viewpoints and to see if my mind can be changed.

Also, keep in mind that I saved the email trail. At every step of the way there is email confirmation of what they promised to do, followed by them stating that they failed to do it, how they'd fix it, followed by another failure (rinse and repeat). The email trail makes it look like a refund was promised but never given, and can easily be printed and used for the CB.
Personal Finance Deals
g: 0 Posted By: NightSpirit
Views: 169 Replies: 0 Hamilton Beach Countertop Oven With Convection & Rotisserie

Model #31100 with the black front & dials. I've been looking all over this week for a good sale on these & the cheapest price I found was was $85.49 at Sears & $99.99 everyplace else that had it. Decided to give it one last check around the stores & it popped up for $62.99 at K-Mart this morning.

This is the large size with 2 oven racks & it bakes a 12" pizza. It has (despite what the description on the K-Mart site says) a 120 minute timer, comes with rotisserie mechanism, 2 broiler racks, 2 baking pans & 2 broiling pans. It has a slide out crumb tray & non-stick interior.

There are K-Mart codes you can use too for either $5 off $45 (KMARTMUST) or $5 off $50 (KMART5OFF50) or if you're buying additional items, KMART10PSAVINGS for 10% off orders of $75 or more or $25 off $125 (25OFF125) plus 8% CashBack at ebates (10% on ShopDiscover but I hesitate to use them if I'm using codes.) and if you're a shopyourway member there's a coupon to load for $25 back in points on a $50 purchase.




Appliance Deals

Kmart.com Coupons
tax jointly or married but separated
Added on : Sunday December 01st 2013 03:00:11 PM
g: 0 Posted By: moneybie
Views: 221 Replies: 2 Wife and I decided to file for divorce next year and it would not be finalized until after tax deadline (april 15th). We have some personal things to sort out before that. We will end in good terms as in uncontested . What's her is hers, what's mine is mine. But we are not sure what to do with tax filing next year. Should we file jointly as we normally did in the past or file married separately? Which way would be best beneficial to us both? She makes less than 10k this year, and I make 50k this year.
Tax Deals
Nintendo 3DS Game - Paper Mario Sticker Star $9.96 walmart.com
Added on : Sunday December 01st 2013 05:00:06 AM
g: 1 Posted By: gizmo
Views: 246 Replies: 0 Linkified
Free store pick-up, Free shiping w/$35 or add $4.97
On the day of the annual Sticker Fest, Bowser decides to pull a prank and scatters six Royal Stickers across the land. To retrieve these mysterious, magical stickers, which are now stuck onto Bowser and his underlings, Mario sets off on an adventure with Kersti, a sticker fairy, visiting prairies, deserts, forests, snowy mountains and volcanoes around the world. Use parental controls to restrict 3D mode for children 6 and under.

Stickers are blended into every aspect of game play. They become your arsenal of items and attacks in traditional Paper Mario action-battles and can even unfold the environment to reveal new areas and ways to progress through the game.
Collect stickers by peeling them off their environment, buying them in shops, or even making your own, and store them in your notebook for later use.
"Paper"-ize the world by flattening it out and then use your stickers to find secret areas and hidden items just about anywhere in the game.
The papercraft setting of the game is really emphasized in 3D, giving you the feeling of peering into and exploring a world comprised of shoebox dioramas.
A cast of colorful characters will keep players laughing at every turn.
ESRB Rating: EVERYONE with Mild Cartoon Violence

3DS Games Deals

Walmart Coupons
House sale fell through -being sued -update-Is this finally the end??
Added on : Saturday November 30th 2013 06:00:09 PM
g: 0 Posted By: ditchqueen
Views: 67 Replies: 0 Orginal Post


UPDATED - After themediator found in my ex's favor and theseller decided to bring it toa higher court , the mortgage company hired a lawyer as did my ex. From what I understand the trial was a crap show. Half way through, the seller (whom is a lawyer), called his realtor to the stand to testify, only for the presiding judge to realize was that he was currently selling his house, with her as a realtor! The judge thanrecused himself, but my ex's lawyer requested that the trial resume from the end of the current one, since the trail was video taped.

A month later the trial resumed with a new judge whom viewed the video of the prior trial, this way the seller could not be more prepared etc from the last trial. My ex Got the decision a few weeks ago and the judge ruled in favor of my ex.! The judge basically said that even though it is unfortunate that the deal fell through the contract did not state that my ex would pay for any repairs so he is not responsible for them.

Also, come to find out my ex never really released the $1500 deposit. he has sent a copy of the decision along with a certified letter requesting the deposit and has not heard back. He is waiting a few more days and then contacting his lawyer. the seller has threatened to take the case to the supreme court! If this happens my ex is going to see if he an file a complaint with the bar association for him bringing a frivolous lawsuit forth (not sure)



Real Estate Deals
harryanddavid.com Save up to 50% off these select holiday items
Added on : Friday November 29th 2013 12:00:03 PM
g: 0 Posted By: DaysFan
Views: 95 Replies: 0 Black Friday SaleSave up to 50% off these select holiday items
http://www.harryanddavid.com

Enter coupon code holiday during check out and save:
10% on $49 purchase
15% on $99 purchase
20% on $199 purchase
Qualifying purchase levels are: save 10% on product purchase of $49.00 - $98.99; save 15% on product purchase of $99.00 - $198.99; save 20% on product purchase of $199.00 or more. To qualify for the savings, the required product purchase must be made in a single transaction. Limit of one savings per customer per transaction. Required product purchase is exclusive of taxes and shipping and processing charges and excludes the purchase of gift cards, wine products and The Cheesecake Factory products. Not valid with other offers or coupons and cannot be applied to previous purchases. Void where prohibited by law. No cash value. Offer valid through December 2, 2013 and is subject to modification or cancellation at any time.

Home>Gifts on Sale>Black Friday Sale>NEW Christmas Creek Brownie Gift Box$29.95 now $14.95
50% OFF
Item W-27293X
If sweet treats are on your list this year, the Christmas Creek Brownie Gift Box fits the bill. It's a festive plaid box brimming with gourmet brownies made by hand, from scratch, in our own kitchens. We can never decide which is our favorite flavor when it comes to gourmet brownies, so we included a trio of tasty options. We did extensive research first, tasting the brownies still warm from the oven. When it comes to sweet treats, it would be hard to beat this brownie gift box. Try them for yourself. Or send them to a friend. Take them to a potluck, or to the office to share

9 Brownies (1.4 oz each):
3 White Chocolate Raspberry
3 German Chocolate
3 Peanut Butter
Net Weight: 12 oz



Advice on paying down student loans vs. 401k contributions
Added on : Friday November 29th 2013 09:00:10 AM
g: 0 Posted By: br435
Views: 78 Replies: 0 Hi,

Here is our (my fiance and I) situation:

Me:
401k account: 50k (currently maxing out contributions and getting some company match)
Roth IRA: 8k
Cash (savings+checking) assets: 90k @ 1%
Debt: None
Income: Approximately 110k per year right now (20% of that being bonus)

Her:
Cash assets: 10k
Debt: 137k (Some @ 5% and some @ 6.8%)
Income: 55k per year, probably going up to something around 120-140k in 1.5 years when she finishes residency

My question:
We are getting married in a few months and I think there are a couple of things we can do to benefit significantly financially. One is for her to max out her 403b contributions (to get the tax benefits). The other is to pay down her loans to reduce the interest. The question is which to do first?They are to some extent mutually exclusive (at least till her income increases) because we do not have the savings to pay down her loan in its entirety at the moment. So would we derive more benefit in the long term from the tax benefits in the 403b on in the benefits of paying down the high interest loan?

Any and all input welcome. To speed things up I have already considered the financial implications of marriage in general and have decided to take my chances as far as that goes.
Personal Finance Deals
Extra $50 off PCs $449+ or $100 off PCs $649+ AC @ Dell Small Business
Added on : Friday November 29th 2013 09:00:02 AM
g: 0 Posted By: Solipsist
Views: 89 Replies: 0 Dell started out their Black Friday sale with $25 off $449+ and $50 off $599+ codes, which do still work; however, they decided to release some more aggressive coupons this afternoon.Extra $50 off PCs $449+ or $100 off PCs $649+ @ Dell Small Business
Expires On: 12/1/2013 10:59PM

Coupons
CQKR462F17R93V - Extra $50 off PCs $449 or above
JDB25CQ9TJH$9M - Extra $100 off PCs $649 or above  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Cyber Days Black Friday Deals

Dell Small Business Coupons
Novice question: How do you decide when to invest and in what?
Added on : Friday November 29th 2013 06:00:27 AM
g: 0 Posted By: snnistle
Views: 45 Replies: 1 I have never invested in anything (unless you consider the house I live in). However, investing has intrigued me for a number of years. The problem is that I have no clue how a smart investor decides to put money into something. Every time I see something that I like, I pass because of my lack of knowledge and fear of losing money. Here are a few examples:

This is very general, but after 9/11 I saw the Dow fall below $9,000. I told my wife that we should invest because the market suffered a temporary loss, but it would regain the losses. But, I had no clue what to invest in. Today, the Dow is over $16,000 (close to a 200% return).

In 2009 Caribou Coffee CBOU fell below $1.60/share. When they went private and bought out shareholders last year (not sure if that's exactly how to word what happened) each share was worth $16 (1000% return)..

Earlier this month I saw a thread about Bitcoin here on FW. I looked at it as an investment opportunity. The rate then was 1/$250. Today they are valued at over $1000 (400% return).

I've also thought about rental properties, but they seem like a very long-term investment so I haven't looked seriously at this option.

All of my serious thoughts were simply huntches, but they all seemed logical. Just wondering if you could share some insight, thoughts, and advice on how you decide to invest in something. Thanks.
Investing Deals
LifeSpan TR800-DT5 Treadmill Desk @ OfficeMax - $999.99
Added on : Wednesday November 27th 2013 04:00:02 PM
g: 0 Posted By: Virgil27
Views: 156 Replies: 0 LifeSpan TR800-DT5 Treadmill Desk @ OfficeMax - $999.99
compare at $1479.00
Free Shipping!Can't decide between working . . . and working out? Now you can do both with this combination treadmill and work desk for $478 off the next lowest price and free shipping! (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Health Deals

OfficeMax Coupons
Request- Need your idea driving vs flying : Houston-LA
Added on : Monday November 25th 2013 08:00:14 PM
g: 0 Posted By: conniedps
Views: 32 Replies: 0 My son is temporary moving from Houstonto LA from Dec 20 - July 17 next year. He will need the car while in LA. We are trying to decide the 2 issues.

1) Shouldwe drive the car to LA, leave car for him there and my husband and I fly back to Houston? Or should we three fly to LA and ship the car there?

2) If we were to drive, which route is better I-10 or I-40? Where should we stop if we plan to drive around 600 miles a day?

Any idea will be greatly apprecaited.
Question Deals
Wahoo - B1G1 Salmon (CA only) or Fish Dinner until 11/30
Added on : Monday November 25th 2013 07:00:09 AM
g: 1 Posted By: remick
Views: 242 Replies: 1 http://wahoos.com/blog/2013/11/21/try-our-new-salmon-plate-for-free/

In the spirit of giving thanks, Wahoos has decided to reward our giving fans!
Buy someone one of new Salmon Plates between November 25th and November 30th, and your meal is on us*.
*meal is defined as any single combo or menu item.
Salmon Plates will ONLY be offered at California locations, all locations outside California will be offering our Wahoos Fish Plates!
Restaurants & Entertainment Deals
Considering issuing a chargeback on a purchase, requesting your insight
Added on : Monday November 25th 2013 04:00:09 AM
g: 1 Posted By: medion
Views: 100 Replies: 1 TLDR: If you don't want to comment, use the red/green to vote.
Green = stay the course, don't do the CB
Red = you're wrong, do the CB

I apologize, but this may be a bit long winded. Here's the full story. I'm also not going to name the company involved, as I'm not interested in dragging a company name through the mud with this post.

My initial purchase was in May 2012. I purchased an audio amplifier from an online store that also has their own store-brand equipment. As such, you go through the store not only for returns/exchanges (45-day limit), but also for warranty service (1-year limit). This amplifier died in September 2013, more than one year after purchase. I didn't want to blow another $100 on a replacement amp unless I had to, so I decided to ask them how much it would cost me to have it repaired. I was pretty much dead set on <$50 = repair, and >$50 meant paying $90 for a better amp off Amazon, but I didn't tell them that.

I was shocked when they came back and said they'd do a courtesy replacement, and all that I had to do was mail it to them at my expense (roughly $15). They then clarified that the "replacement" would be a refund of $90, issued as a store credit towards any purchase. The same $90 amp on Amazon was $130 through these guys, so I figured between the extra cost and the one-way shipping, I'm paying $55 instead of $90. So, I clarified with them, stating that the credit card used in the May 2012 purchase has since been closed. They once again reiterated via email that the credit would be store-credit used towards my next purchase.

A week goes by and I've since received a store credit via email, but it doesn't reflect online. So, I called them and the rep stated that the store credit doesn't show up, but will be applied after purchase. So, I ordered online and paid my $130. However, once my CC was charged, I had to call them again. This time they told me that the store credit could only be used for phone orders, not online, and that the previous rep has mislead me (actually, they said that I had lied).We switched to email correspondence, and they promised to issue the credit towards the credit card used for purchase. I once again clarified that my original CC was closed, and she stated that they would refund the card used for my most recent purchase. They said to allow 7 days for this to process.

I waited 8 days (even though these things usually take 2-3 business days), and no refund, so I called them. They informed me that the refund had in fact been issued to the old credit card. There was nothing more that they would/could do and that I was SOL, but I could try calling the issuing bank. I did in fact call the issuing bank, but the card was closed just short of a year ago. We argued and I stated that if they had accepted the refund, they were obligated to give it to the intended recipient, or return it to the refunder due to account closure (no legal citation, just me trying to sound smart). that seemed to work, so they cut mea check. They wanted to charge me a $4.95 processing fee, which I convinced them to waive. So, in the end, I did get my money back.

However, I have a VERY stale taste in my mouth from the bait and switch from the online electronics company. They came forward with an amazing offer, but botched it every step of the way. At one point near the end, their rep even said, "But we gave you an offer that we didn't have to. That should count for something!" It doesn't count if it was a bait and switch. So, as for the chargeback, I'm leaning 75/25 towards not doing it on the prinicipal that I did in fact get my money back. I only want to do it to hit them for their negligence so that they see a penatly for handling transactions in this manner. So, this thread is primairly for me to see other viewpoints and to see if my mind can be changed.

Also, keep in mind that I saved the email trail. At every step of the way there is email confirmation of what they promised to do, followed by them stating that they failed to do it, how they'd fix it, followed by another failure (rinse and repeat). The email trail makes it look like a refund was promised but never given, and can easily be printed and used for the CB.
Personal Finance Deals
China Announces That It Is Going To Stop Stockpiling U.S. Dollars
Added on : Friday November 22nd 2013 04:00:09 PM
g: 0 Posted By: unnamedny
Views: 127 Replies: 0 http://seekingalpha.com/article/1857411-china-announces-that-it-...
1 said: China just dropped an absolute bombshell, but it was almost entirely ignored by the mainstream media in the United States. The central bank of China has decided that it is "no longer in Chinas favor to accumulate foreign-exchange reserves". During the third quarter of 2013, China's foreign-exchange reserves were valued at approximately $3.66 trillion. And of course the biggest chunk of that was made up of U.S. dollars. For years, China has been accumulating dollars and working hard to keep the value of the dollar up and the value of the yuan down. One of the goals has been to make Chinese products less expensive in the international marketplace. But now China has announced that the time has come for it to stop stockpiling U.S. dollars. And if that does indeed turn out to be the case, than many U.S. analysts are suggesting that China could also soon stop buying any more U.S. debt. Needless to say, all of this would be very bad for the United States
Question Deals
g: -1 Posted By: elptrainerny
Views: 222 Replies: 2 -Wonder how much money he will make after the law suits.."A man trying to pay a fee using $2 bills was arrested, handcuffed and taken to jail after clerks at a Best Buy store questioned the currencys legitimacy and called police.According to an account in the Baltimore Sun, 57-year-old Mike Bolesta was shocked to find himself taken to the Baltimore County lockup in Cockeysville, Md., where he was handcuffed to a pole for three hours while the U.S. Secret Service was called to weigh in on the case.Bolesta told the Sun: I am 6 feet 5 inches tall, and I felt like 8 inches high. To be handcuffed, to have all those people looking on, to be cuffed to a pole and to know you havent done anything wrong. And me, with a brother, Joe, who spent 33 years on the city police force. It was humiliating.After Best Buy personnel reportedly told Bolesta he would not be charged for the installation of a stereo in his sons car, he received a call from the store saying it was in fact charging him the fee. As a means of protest, Bolesta decided to pay the $114 bill using 57 crisp, new $2 bills.As the owner of Capital City Student Tours, the Baltimore resident has a hearty supply of the uncommon currency. He often gives the bills to students who take his tours for meal money.The kids dont see that many $2 bills, so they think this is the greatest thing in the world, Bolesta says. They dont want to spend em. They want to save em. Ive been doing this since I started the company. So Im thinking, Ill stage my little comic protest. Ill pay the $114 with $2 bills.Bolesta explained what happened when he presented the bills to the cashier at Best Buy Feb. 20.She looked at the $2 bills and told me, I dont have to take these if I dont want to. I said, If you dont, Im leaving. Ive tried to pay my bill twice. You dont want these bills, you can sue me. So she took the money like shes doing me a favor.Bolesta says the cashier marked each bill with a pen. Other store employees began to gather, a few of them asking, Are these real?Of course they are, Bolesta said. Theyre legal tender.According to the Sun report, the police arrest report noted one employee noticed some smearing of ink on the bills. Thats when the cops were called. One officer reportedly noticed the bills ran in sequential order.Said Bolesta: I told them, Im a tour operator. Ive got thousands of these bills. I get them from my bank. You got a problem, call the bank. Im sitting there in a chair. The stores full of people watching this. All of a sudden, hes standing me up and handcuffing me behind my back, telling me, We have to do this until we get it straightened out.Meanwhile, everybodys looking at me. Ive lived here 18 years. Im hoping my kids dont walk in and see this. And Im saying, I cant believe youre doing this. Im paying with legal American money.Bolesta was taken to the lockup, where he sat handcuffed to a pole and in leg irons while the Secret Service was called.At this point, he says, Im a mass murderer.Secret Service agent Leigh Turner eventually arrived and declared the bills legitimate, adding, according to the police report, Sometimes ink on money can smear.Commenting on the incident, Baltimore County police spokesman Bill Toohey told the Sun: Its a sign that were all a little nervous in the post-9/11 world."
Discussion Deals
g: 0 Posted By: satchelsofgold
Views: 2 Replies: 0 This deal is not showing up on the national Gilt City site, so choose a city. Here is the link for Chicago. There is an option to have them send you a prepaid label, so AFAIK you don't have to live in the city you choose to get in on the deal, but I'm not 100% sure about that.

The deal is: donate 5 items of clothing (brand must be on a list of designer brands, think J. Crew up to Chanel and beyond) to Fashion Project and get a $50 Gilt City credit. Gilt City is essentially a Groupon clone, they offer local deals in major cities but also regularly have vouchers for online retailers. According to a recent WSJ deal post, the credit may or may not apply to the regular Gilt flash sale site as well as City. (That deal is still alive, by the way, and worth checking out.)

Someone will look through your stuff and decide if you get the credit based on brand, condition, etc. For this reason, I am donating more than 5 items in hopes at least 5 make the cut. I wouldn't necessarily risk going out to thrift stores to buy your 5 branded items but if you have stuff to get rid of anyway, may as well give it a try.

Will update the quick summary with the list of brands, because they want you to log in to be able to see it.
Dental Insurance - Good or Bad investment?
Added on : Thursday November 21st 2013 01:00:06 PM
g: 0 Posted By: BenH
Views: 1 Replies: 0 So we are into Open Enrollment for 2014 at work.

My wife and I had our last dentist visits near the end of 2012.
Neither of us have any major issues (she had a cavity because she neglected the dentist for many years).
I hadn't been to the dentist in probably 3+ years and they said my teeth were perfect.

Last year I opted out of Dental coverage for my family (me, wife, 1 child under 2) because I figured we could go a year without a visit since we don't really need it.

I presumed that I would sign up again in 2014 so basically we would just "skip" a year here or there and save some money.

Looking at costs for 2014, I would end up paying about $500 for the year for coverage for the family. The plan looks like this:

$150 family deductible
Annual maximum benefit - 2K
x-rays/cleanings/exams - 100% deductible waived
basic services (root canals, filings) - 80%
Major services - 50%
Orthodontia (braces) - 50%, $1500 Lifetime maximum

I figure even if we decided to both go in for a cleaning, that's probably like what... $100-150 each? If we had one filling needed between us, that's another say $200.
That's your $500 right there.

But, in all honesty - I don't know if we even need to go in for a cleaning. I haven't had cavities in like 18 years and we are all more diligent about tooth care now.

My daughter is not even 2...and hasn't been to the dentist yet. We brush her teeth daily, and haven't had any issues (apart from well you know...teething!).

I think that we should probably take her in at least once this year...but I can't see that visit being more than $100.

I was leaning on paying for the plan this year (it is actually cheaper than last year, although our medical went up). But now that I am looking at the enrollment forms, I'm thinking..I should save the $500, pay out of pocket for my daughter and just hope the wife and I have no serious issues.

I'm basically making like a $1500 gamble because the maximum annual payout is only $2K, right? I feel it is a pretty safe gamble though, and I can save $3-400 bucks this year.

Convince me one way or another....
buying home in the SF area
Added on : Wednesday November 20th 2013 05:00:16 PM
g: 0 Posted By: proflin
Views: 269 Replies: 5 Hi, I really could use some help here -- My wife and I have been looking around in the bay area and I've been trying to run numbers on what we can afford. Between the two of us, we'd be making about 200k and the homes are around the 1 Million range.

We plan to stay in the area for the long term and are trying to decide if this is a time to buy a place or not. Current rents would be around 3K.

I'm also wondering if it makes sense to put more money down (my parents are willing to help and we can put as much as 40% without too much stress). So, with a 600K loan, my estimates work out to monthly:
3K (Principal/Interest), 400 (Homeowners Insurance), 300 (maintenance/utilities), 1K (property tax) .. so that's about $4700 per month. We take home about 9,500 / mo with our current deductions. Is our housing payment too much? Our agent is saying we should factor in our tax deduction (33% federal, 15% california) making our monthly payment ~2400.

This is a lot lower than a comparable 3K rent. Am I missing something with this calculation?

My main concern is if one of us loses our jobs, will we be able to still live comfortably? I don't want to be stressed about cash flow...
.
Real Estate Deals
Sitting on cash with a student loan decision to make...
Added on : Wednesday November 20th 2013 05:00:15 PM
g: 0 Posted By: jd2010
Views: 161 Replies: 0 Time for another installment of "pay your student loans, deadbeat."

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

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


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

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

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

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

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


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

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

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

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

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


Would appreciate outsider input as to whether Im overcomplicating this. If I do keep stockpiling, how aggressively do I then invest it ranging from 1% CD to putting it all on black in vegas?
Personal Finance Deals
Steinfeld v. Discover settlement
Added on : Wednesday November 20th 2013 04:00:08 PM
g: 0 Posted By: flwsoldier
Views: 14 Replies: 0 An e-mail came to my spam folder today about a Discover card settlement with estimated payouts between $20 and $40.
It doesn't look like it's possible to file the claim form online yet. "This functionality will be available at a later date."

I was lucky enough to get several hundred dollars in the Chase Payment Protector settlement, I'm not hopeful that will happen here, but ever since then I always join the class actions
email said: IF YOU RECEIVED A CALL THROUGH THE USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM AND/OR A PRERECORDED VOICE FROM DISCOVER TO YOUR CELLULAR TELEPHONE BETWEEN NOVEMBER 30, 2007 AND SEPTEMBER 10, 2013, THIS NOTICE DESCRIBES YOUR RIGHTS IN CONNECTION WITH SETTLEMENT OF A LAWSUIT AND YOUR POTENTIAL RECOVERY.
You may be entitled to a payment under a proposed class action settlement. In the lawsuit entitled Andrew Steinfeld v. Discover Financial Services, et al., U.S.D.C., Northern District of California Case No. 3:12-cv-01118-JSW (the Action), Plaintiffs claim that Discover Financial Services or related parties (including Discover Bank, The Student Loan Corporation and Discover Home Loans) (Discover) violated the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq. (the TCPA), by placing calls on or after November 30, 2007 to cellular telephones through the use of an automatic telephone dialing system or an artificial or prerecorded voice without the prior express consent of Plaintiffs and the putative class members. Discover denies these claims and denies any claim of wrongdoing. The Court has not decided who is right. However, in settlement of the Action, Discover has agreed to implement practice changes and establish a settlement fund of $8.7 million. This notice is only a summary. Details of the settlement, including information on how to file a claim, are available at www.SteinfeldTCPASettlement.com or by writing to or calling the Claims Administrator at the address or toll-free number below.

Discovers records indicate that you may be a member of the Settlement Class because Discover may have placed a call to your cellular telephone number using an automatic telephone dialing system or an artificial or prerecorded voice at some time between November 30, 2007 and September 10, 2013. Settlement Class Members may (1) submit Revocation Request Forms requesting that Discover cease making calls to their cellular telephone numbers using an automatic telephone dialing system or an artificial or prerecorded voice, (2) submit Claim Forms requesting money from the settlement in the form of a check or in the form of a one-time credit against the balance of their Discover credit card account, (3) exclude themselves from the settlement, (4) object to the settlement, and/or (5) do nothing. Class Counsel estimate that settlement payments or credits will be between $20 and $40, but could be more or less based on factors including the number of claims submitted.

You cannot receive a payment unless your claim is received by February 25, 2014. In addition to payments to the Settlement Class Members, the settlement provides for not more than $2,175,000 in attorneys fees and costs and $2,000 in service awards for the two representative plaintiffs to be sought from the Court by counsel for the Settlement Class. In the event that there are any remaining monies from uncashed checks totaling $50,000 or less, such monies will be paid to charity.

If you do not want to be legally bound by the settlement, you may opt out of the settlement by sending a request for exclusion to the Claims Administrator postmarked no later than January 13, 2014. If you exclude yourself from the settlement, you will not receive any money or other benefits from the settlement. If you stay in the settlement (i.e. do not exclude yourself from the settlement), you may object to the settlement by explaining in writing why you do not like the settlement postmarked no later than January 13, 2014. You will be bound by the settlement if your objection is rejected. If you do nothing (i.e. submit no claim or request for exclusion) you will not receive any benefits from the settlement but will nevertheless be bound by the settlement. All Settlement Class Members who do not exclude themselves will be bound by any judgment approving the settlement and will give up any right to sue Discover or related parties for any known or unknown claims relating to calls made to their cellular telephone numbers, including alleged violations of the TCPA.

TO OBTAIN FULL INSTRUCTIONS FOR EXCLUDING YOURSELF, FILING AN OBJECTION, SUBMITTING A REVOCATION REQUEST FORM, OR SUBMITTING A CLAIM FORM, GO TO WWW.STEINFELDTCPASETTLEMENT.COM, OR WRITE OR CALL THE CLAIMS ADMINISTRATOR AT STEINFELD TCPA CLAIMS ADMINISTRATOR, P.O. BOX 43209, PROVIDENCE, RI 02940-3209 OR 1-800-248-1796 (TOLL-FREE).




Credit Deals
Free Kindle Book - Freeman by Leonard Pitts (was $16.00)
Added on : Tuesday November 19th 2013 05:00:05 AM
g: 2 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/dp/B008164K6A

4.6 out of 5 stars with 235 reviews

Freeman, the new novel by Leonard Pitts, Jr., takes place in the first few months following the Confederate surrender and the assassination of Abraham Lincoln. Upon learning of Lee's surrender, Sam--a runaway slave who once worked for the Union Army--decides to leave his safe haven in Philadelphia and set out on foot to return to the war-torn South. What compels him on this almost-suicidal course is the desire to find his wife, the mother of his only child, whom he and their son left behind 15 years earlier on the Mississippi farm to which they all "belonged."

At the same time, Sam's wife, Tilda, is being forced to walk at gunpoint with her owner and two of his other slaves from the charred remains of his Mississippi farm into Arkansas, in search of an undefined place that would still respect his entitlements as slaveowner and Confederate officer.

The book's third main character, Prudence, is a fearless, headstrong white woman of means who leaves her Boston home for Buford, Mississippi, to start a school for the former bondsmen, and thus honor her fathers dying wish.

At bottom, Freeman is a love story--sweeping, generous, brutal, compassionate, patient--about the feelings people were determined to honor, despite the enormous constraints of the times. It is this aspect of the book that should ensure it a strong, vocal, core audience of African-American women, who will help propel its likely critical acclaim to a wider audience. At the same time, this book addresses several themes that are still hotly debated today, some 145 years after the official end of the Civil War. Like Cold Mountain, Freeman illuminates the times and places it describes from a fresh perspective, with stunning results. It has the potential to become a classic addition to the literature dealing with this period. Few other novels so powerfully capture the pathos and possibility of the era particularly as it reflects the ordeal of the black slaves grappling with the promise--and the terror--of their new status as free men and women.
Books & Magazines Deals

Amazon Coupons
sellers agent doesnt want to show me the property..what are my options?
Added on : Monday November 18th 2013 02:00:07 PM
g: 0 Posted By: heehaa
Views: 257 Replies: 6 i went to a Open house in my neighborhood about 2 weeks ago. I stopped at the door hoping that i would be greeted by the broker. There were a few women in a circle talking right in front of me. Some of them glanced at me and then went right back to business. I stood their somewhat embarrassingly looking around trying to locate the listing agent. Then after more than a min or so , i heard one of the ladies from the group that stood in front of me " feel free to walk around ..information is in the kitchen" with a grin. She turned out to be the listing agent and this was the only interaction we had. I felt unwelcome.( ? extra-sensitive..... I was not born in this country, have an accent and am brown) This is a relatively high end neighborhood. I managed to look at the property all by myself.

I brushed this experience off thinking that this person may have had a bad day and decided to call the company for a second look. I was told that the broker will give me a call. I received a call later but the identified herself with a different name than the listing agent. I assumed that she might be working for the listing broker. She again sounded very cold. She asked me if I knew what the asking price was ( I guess I didnt sound like someone with an excellent credit history). I asked her why she would ask that question and asked her if I needed to commit to asking price before she would show me the house.? She said she will call back to schedule the showing. She called back an hour later with meeting day/time. When I told her that the suggested day and time workedfor me, she said she will call back to confirm. She is suggesting day and time ...and needs to confirm!!
I received a call 2 hours later. She tells me that she cant show the property on the day that she had suggested and that they actually had received an offer already...she subsequently clarifies that the offer is verbal. she then offers to show me other properties... As you can see ..this sounds very strange. Brokers accept offer and show properties until the deal goes through (money flows).

it seemed to me that this person was playing a foul game against the seller -my neighbor...i actually live 2 blocks away from this property..i had never met the seller before though.. This weekend I stopped by this property knocked on the door and told the seller the story. They said they were not happy with the agent and were thinking about dropping her . When i gave them the name of the person who I talked to over the phone. they told me that that person was actually not their agent. She was a buyer's representative from the same brokerage whose client actually had made a verbal offer. You guessed it right. ...very hard to believe!

I made an offer directly to the seller.

My question you learned men and women is ....what are my legal options here? Which rights were infringed ?
What are the seller's options? Can he get out of the contract here with the listing agent.?

thanks very much for reading this long story!
btw, I did talk to an attorney. He was shocked and thinks that the agent who I spke over the phone and wouldnt show me the property was trying to protect her commission that she would potentially get from her client. He said he will do more research.
Real Estate Deals
EIN number changes with business structure change?
Added on : Monday November 18th 2013 10:00:07 AM
g: 0 Posted By: BenH
Views: 23 Replies: 0 So I had posted in another thread about dissolving my LLC and simply continuing to operate as a Sole Proprietorship. I contacted my bank about what this might mean for my current banking accounts under the business. This was their reply:
bank rep said: If you are changing from an "LLC" to a "Sole proprietorship", we actually need to reopen a new account as a sole proprietorship. Also, your current tax id number is associated with the LLC and thus would need to amended in one of the following ways:

- Applying for a new tax id number as a sole proprietorship with the IRS. Here is the link to the free online application http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/A...
- You may use your Social Security Number as your tax id number when operating a sole proprietorship.
- Contact the IRS and have them reassign your current EIN number from an LLC entity to a Sole Proprietorship. They would also need to provide you with an update EIN letter that is now assigned to the sole proprietorship.

In the event, you decide to go with option 3 I would suggest talking to a tax professional about any possible ramifications of using the same tax id number. Please let me know if you have any questions or concerns regarding the process involved.


​This IRS sitestates:
IRS said: Limited Liability Company (LLC)
An LLC is an entity created by state statute. The IRS did not create a new tax classification for the LLC when it was created by the states; instead IRS uses the tax entity classifications it has always had for business taxpayers: corporation, partnership, or disregarded as an entity separate from its owner, referred to as a disregarded entity. An LLC is always classified by the IRS as one of these types of taxable entities. If a disregarded entity is owned by an individual, it is treated as a sole proprietor. If the disregarded entity is owned any any other entity, it is treated as a branch or division of its owner.

I believe I am a "disregarded entity" (singly owner, no employees, not taxed as corp.) so it appears the IRS is saying that I am already treated like a sole proprietor ?

Regardless of what the bank says, is their really anything I need to do with the IRS to let them know I am changing from an LLC to sole proprietorship? Can I not continue to use my existing EIN?

The bank rep stated I had to contact them to "reassign" it, but I don't seem to find any information about that.

TIA

Personal Finance Deals
g: 0 Posted By: Hoogineer
Views: 195 Replies: 0 Link (add it to cart to see price)

One of the Canon lenses for crop. You trade the max aperture (f/2.8) of the 17-55 for extended zoom range (and lower cost).

For comparison, it's $699 new at Am@zon right now. (Decided to post separately since it's a really good deal and people seem to be buying the new 60d body and will be in need of a lens.)
SLR & dSLR Deals

Canon Coupons
'How Big Banks Killed a Plan to Speed Up Money Transfers'
Added on : Friday November 15th 2013 02:00:04 AM
g: 1 Posted By: tuphat
Views: 78 Replies: 0 From Payments trade website. Excerpt below, link to full article:http://www.paymentssource.com/news/how-big-banks-killed-a-plan-to-speed-up-money-transfers-3016022-1.html?zkPrintable=1&nopagination=1

More than two years ago, the staff of Nacha, the industry-owned group that sets the rules for the automated clearing house network, decided it was time to modernize the system. The group's proposal was far more modest than the near-real-time systems that now exist in numerous other countries. If a U.S. bank submitted a payment before 2 p.m. Eastern time on a weekday, it would be settled around 5 p.m., rather than waiting until the following weekday, or perhaps the day after that.

The plan, known as Expedited Processing and Settlement, may not have been a step into 21st Century, but at least it would remodel a system built in the 1970s and 1980s.

But even this incremental move was too much change for a bloc of big banks that played a decisive role in torpedoing the proposal in a vote in August of last year.The episode, which happened mostly outside of public view, demonstrated the enormous power that a small number of large commercial banks wield over the U.S. payments system. Their interests prevailed over the wishes of many smaller banks, corporations, and consumers, all of whom would benefit from a faster, broadly accessible way to make electronic payments. And because Nacha's balloting process is shrouded in secrecy, these large banks didn't leave any fingerprints.
Discussion Deals
g: 0 Posted By: chocula
Views: 2 Replies: 0 We are going to Naples, Florida for Thanksgiving and decided to drive there. After thinking about it, we decided to take my 5 year old to Disney World. It will be a complete surprise as we are not going to tell him until we basically pull into the parking lot.

I have searched the forums and am surprised at the limited amount of recent information here. I would think this would be a very popular topic here.

Anyway, I am wondering what kind of recommendations you have for which hotel in the park to stay at and what else we should do in Orlando.

On the flip side, I cannot believe how much information is online. I have read a ton of blogs and articles and it seems that most places are going to be great in the park.

Our basic plans are to spend day 1 driving to Orlando which is an 8 hour drive. Then go to the Magic Kingdom, Sea World and Universal over the next three days.

We will travel to Florida on Saturday, November 23 and go to the parks on Sunday, Monday and Tuesday. It will be my wife and I as well as my 5 year old.

We would love to stay at the Animal Kingdom resort, but do not know if it worth all that money to stay there.

In addition to any suggestions you may have, I was hoping that you may have a favorite blog or site about Orlando or Disney.

Thanks in advance






Orlando Deals
Best Ways To Churn At this Point...
Added on : Thursday November 14th 2013 05:00:16 AM
g: 0 Posted By: justignoredem
Views: 101 Replies: 2 Hello FWers. I'm looking for some advice from people. Namely, these questions:
1) Should I get more credit cards (Or will it hurt my credit too much?)
2) Which Credit Cards Should I get? (To Maximize churn, good starting bonus, etc)
3) Should I get any with annual fees that I have been avoiding like the plague?

Situation:
I am looking for more ways to churn money as possible. As of right now, I have stuck with nothing but No annual fee, rotating 5% category credit cards. These have been incredibly lacking lately. Apparently they are playing a game for the last year called "Match what the other is doing!", thus making them insignificant to having multiple (aside from being able to put more into the category). I want to maximize as much different revenue from all categories as possible. At the same time, I don't wantrandom cards for 1 tiny category that I barely contribute anything to - especially if it has an annual fee tacked on to it. While I don't want to HURT my credit, I'm not at a point where I think I can hurt it too much either. I have 0 loans under my belt (including college), 0 mortgage, but ~4 years experience with credit cards and 0 late fees. I do not pay interest on anything.

The other day we decided to buy $2k for wooden flooring replacement. I had nothing to do other than get a measly 1% out of it. I felt bad getting so little out of that. We just got back from a trip where we had to spend on hotels, I feel we don't get enough CashBack out of trips as well... For that, I was thinking the Marriott with 70k points, but that is an annual fee card.

Current Credit Cards:

Discover - Rotating 5% Categories
Chase - Rotating 5% Categories
Citi - Rotating 5% Categories
American Express, Costco - 3% Off Gas (Not used), 2% Travel (Use this for flights/hotels), 1% Else. Mostly this card I use for risky transactions, AMX is known for being the most reliable in helping
Bank of America, Cash Rewards - 3% Off Gas (Use this), 2% Off Groceries (Use this), 1% Else
Bank of America, Better Balance Rewards - Free $ Churn


Personal Life:
I'm in my mid 20's. I'm about to get married, my fiance has a mortgage that is entirely under her name. We have a lot of expenses coming up with the wedding, honey moon, and more. While we want to move, there currently is just no means to with our job situation. We hate the town, but we have excellent opportunity with our career. It's a mixed bag.

Anythign else, feel free to ask
Credit Deals
Cards Against Humanity Holiday Special $12 + Free Shipping
Added on : Wednesday November 13th 2013 06:00:04 AM
g: 0 Posted By: slavik
Views: 61 Replies: 0 You give us $12. We'll send you 12 gifts over 12 days.

You give us $12 right now.
We'll decide if you've been naughty or nice.
If you've been nice, we'll send you 12 mystery gifts over 12 days.
We'll send you the gifts if you've been naughty too.




(One subscription per household.)
Home & Garden Deals
Roommate situation took the turn for the worst
Added on : Monday November 11th 2013 05:00:11 AM
g: 0 Posted By: mysteryAgain
Views: 184 Replies: 7 Two months ago, a roommate and I signed one year lease for an apartment in Manhattan. We both gainfully employed and split rent and utilities 50/50. While we didn't really have any major conflicts, plus I spent most of October travelling, he decided to abruptly move out without any explanation and be taken off the lease. When I returned from the trip two weeks ago, h announced that he's moving by December 1, we need to find a replacement and have lease reassigned to a new person and myself, possibly involving creating a new lease. It is a first time happened to me and I don't want to potentially (1) lose an apartment, (2) lose his portion of the rent and utilities if case we don't find a replacement in time. (3) have rent increase due to reassignment (3) lease extended beyond what I agreed in original lease. What should I do in this situation? Please advise.
Personal Finance Deals
g: 0 Posted By: MrVietnam
Views: 559 Replies: 2 Not sure if this is a regional price or the price this week all over the country, but in my CVS ad (in Southern California) Progresso soup is on sale for 88 cents a can, couple that with the 0.50/2 coupon in today's (11/10) SS and the 0.50/2 deal on SavingStar and you will get the 38 cent price for the first two cans. After that it will be 63 cents a can after man Q should you decide to buy more. That is a very good price for Progresso soup. Although way over priced, at CVS its normal shelf price is $3.49 a can. I plan to stock up. There is a limit of 8 cans per transaction.

Here is the SavingStar deal I mentioned:

Save 50 when you buy TWO (2) CANS any flavor Progresso Soups.Expires 11/30/2013
One time use only
Grocery Deals
CVS: Two cans of Progresso soup for .38 cents each through 11/16/13
Added on : Sunday November 10th 2013 02:00:06 AM
g: 0 Posted By: MrVietnam
Views: 13 Replies: 0 I don't know if this is a regional price or the price this week all over the country, but in my CVS ad (in Southern California) Progresso soup is on sale for 88 cents a can, couple that with the 0.50/2 coupon in today's (11/10) SS and the 0.50/2 deal on SavingStar and you will get the 38 cent price for the first two cans. After that it will be 63 cents a can after man Q should you decide to buy more. That is a very good price for Progresso soup. All though way over priced, at CVS its normal shelf price is $3.49 a can. I plan to stock up. There are no limits mentioned in the ad.

Here is the SavingStar deal I mentioned:

Save 50 when you buy TWO (2) CANS any flavor Progresso Soups.Expires 11/30/2013
One time use only
Grocery Deals
Stock + option situation
Added on : Saturday November 09th 2013 11:00:09 AM
g: 0 Posted By: NeoDough
Views: 65 Replies: 1 Hi everyone,

I have long been a fan of the FW forums and finally decided to join. I really love the level of financial sophistication, insight, and experience you all have. I am hoping for some thoughts/ideas on a situation I am very likely to find myself in in the coming weeks. First of all, I have a call set up with a tax advisor for Tuesday (so no need to tell me to seek professional help! ) but the more thoughts, the better...

I joined a startup several years ago and have a combination of stock options - some are NQSOs, some are ISOs. Almost fully vested. I also have a number of actual shares of the stock (via options I've exercised over the years). Some shares have been held more than a year, some less than a year.

It now looks like acquisition is imminent. At the moment it looks like the acquisition will be in cash. Unvested options will probably be accelerated (although that is of least concern to me.)

My stock+options in the company look about like this:

30% of my holdings are in common stock held longer than 1 year [likely to be worth ~$1-2M] (yay, long-term cap gains!)
10% of my holdings are in common stock held less than 1 year [<$1M]
10% are in vested, unexercised NQSOs [<$1M]
50% are in vested, unexercised ISOs [$2-4M]

My main question for you tax wizards out there is this:

Is there any (legal) way to protect the vested, unexercised options from being taxed as ordinary income? I realize I'm lucky and I'm not complaining, but saving $1M+ in taxes is obviously appealing. If there are any quick moves I can make now that might help in that regard, I want to make them - and fast. I can exercise them now, I guess, which will at least move them from my 1099/W-2 over to my Schedule D, but that's not going to make any difference without a strategy.

I'm willing to be aggressive and creative, but not willing to do anything illegal or in a gray area.

Thanks in advance!
Personal Finance Deals
Becoming a Part Owner
Added on : Friday November 08th 2013 05:00:09 AM
g: 0 Posted By: uberbartok
Views: 43 Replies: 1 Hey guys,

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

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

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

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

Anyone have any advice that they could give me before I plung head first into this?
Personal Finance Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/CTRL-ALT-DEL-Plan-complete-ebook/dp/B00FO8ADAU

In this book we cover, the simplest alternatives:

Using an antenna: HDTV free Over The Air.(OTA)
Using media devices to stream content: Streaming via Roku and similar devices.
Stream from your computer: Hooking your computer to the TV.

And the more complicated (still easy with this plan) Home Theater PC options:
Making your current desktop do double duty: Can you make your current computer act as an HTPC?
Re-purposing an old computer: Simple steps to change that old computer into an HTPC.
Building an HTPC: It seems intimidating, but it isn't hard to build one from scratch.

You can cut cable in the next seven days, even if you decide you want to go all out and build a Home Theater PC (HTPC). Previously, this option was usually reserved for IT pros and tech geeks. With this book and free software available on the internet, the process becomes simple for anyone.
Screwed myself with student loans. Now what?
Added on : Thursday November 07th 2013 01:00:07 PM
g: 0 Posted By: mike2358
Views: 198 Replies: 1 So the 19 year old blissfully ignorant version of me decided it was a good idea to finance a $45k/year education 100% on private loans through Salle Mae.Years later my tab is up to about $250,000 and growing. Last time I checked the monthly payment they want from me is about $2000/mo which I obviously can't pay.I make enough money to live ok IF I didn't have that loan hanging over my head and right now the loans are completely in default. I've pretty much accepted that I can't pay them in their current state and I'm not sure what to do. I've seriously considered leaving the country and working on gaining citizenship elsewhere.I'm wondering what the options are for someone in my shoes. I'm assuming my credit is pretty much shot for life now and I'm scared to buy anything of value ever (car, house, ect) because it could be seized by my creditors no?I've heard stories of people forming companies and making the company the owner of their assets and use that as a shelter but I'm not too familiar with how that works.If anyone could share some insight into my situation I'd really appreciate it.Thanks!
Personal Finance Deals
g: 0 Posted By: bighitter
Views: 150 Replies: 2 Per the wall street journal,

"Federal lawmakers and state officials are stepping up pressure on insurers to allow consumers whose coverage has been canceled in response to the health overhaul to keep their policies beyond the end of the year.On Tuesday, one of the largest regional health plans in the nation, Blue Shield of California, said it would relax its stance on terminated policies for about 115,000 people after state regulators demanded it do so. Customers now will have until March to decide which plan to choose for 2014, a three-month extension. Because the newer plans generally cost more, the extension could save residents as much as $28.6 million on premiums, said Dave Jones, California's insurance commissioner.'

For reference the entire article here: WSJ Online

If the lawmakers are pressuring insurers to extend existing insurance policies, should we assume that they expect the government's healthcare website won't be working properly before year end?
Discussion Deals
suing convelesent home for negligence
Added on : Wednesday November 06th 2013 01:00:07 PM
g: 0 Posted By: nwill002
Views: 75 Replies: 2 My grandfather had a stroke that left him pretty much paralyzed and bed ridden. After he stabilized in Kaiser they send him to some crappy convalescent home. I can go on and on off all the bad stuff I seen here and I know it must be worse when no visitors are there. After a few months he goes into septic shock. My sister is the one who discovered him unresponsive but the care takers \shrug it off saying its "normal". My sister had to raise hell for them to finally send in a RN who immediately realized something was wrong and called for ambulance.
It is discovered that he developed an infection through his bed sores as he was not being rotated which may have caused the septic shock. But after a few days of being in a coma like state he gains consciousness and recovers so well to the point that he is almost back to his regular old self before the stroke. Prior to his septic shock he was deteriorating in the convalescent home. His speech was getting worse and worse and whatever meds they had him on was causing him to randomly start crying, and his once very sharp mind was showing signs of memory loss. But just a few days out of that place and his mind is sharp again and I could understand what he was saying. However not a moment too soon Kaiser sends him back to that convalescent home and he dies a few weeks later.
Considering we want to sue for negligence, any general advice on how to proceed such as what type of a lawyer to contact?
Also my uncle became his power of attorney when he had a stroke. Can my mom sue even if my uncle decides he does not want to get involved?
Thanks

Discussion Deals
Rear-Ended in CA
Added on : Tuesday November 05th 2013 03:00:07 PM
g: 0 Posted By: RWAnderson72
Views: 204 Replies: 7 Last Thursday, Halloween, I got rear-ended on the freeway in California. I called the police, and called my insurance company, and I've set up an appointment with my insurance company's Body Shop (I'm fine with their choice) to repair the damage to my rear bumper. I'm guessing it will be at least $1,500, though I don't know. I had similar, but somewhat lesser, damage to the same area of the car about seven years ago that cost $800 to fix, and this damage is at least twice as extensive.

Her car was totaled and barely driveable (though it did drive when the CHP asked her to move the car to the shoulder), while I sustained merely cosmetic damage.

As far as I know, no one was injured. I'm not going to pretend to have been injured when I wasn't. I wasn't even thrown forward, and my seat-belt didn't deploy, much less lock. I think most of the kinetic energy of the crash went into damaging my rear bumper, her car's front end, and giving my car a bit of a push forward. I suspect the fact that I was accelerating at the time may have minimized the damage to me and my car.

I'm going to let my insurance company deal with subrogating the claim--I don't need the possibility she might lie to her insurance company about how it happened, leading to a year-long headache. I have no problem paying the $500 deductible and, hopefully, I'll get it back later.

I'm wondering about who pays for a rental car while my car is being repaired. I don't have coverage on my own policy for that. If I decide to rent a car, how do I go about that and not winding up paying for it myself?
Personal Finance Deals
Rollover out of my old 401K to Regular or Roth IRA?
Added on : Tuesday November 05th 2013 07:00:17 AM
g: 0 Posted By: DrewR
Views: 82 Replies: 4 I have about 33K sitting in a John Hancock 401K from a job I left about 6 weeks ago. I would like to get it out of the current account due to high expense ratios and into a Vanguard account, but I can't decide between a Roth IRA and a regular IRA.

I can afford to pay the extra 3k or so in taxes I will face at the end of the year due to the Roth conversion out of pocket, and I was pretty sure I was just going to do a Roth conversion until I read a blurb on Vanguard's site about tax diversification (https://personal.vanguard.com/us/insights/article/bruno-ira-tax-diversification-062013). I already have a Roth with about 5K in it that I will be attempting to max out each year going forward, so by keeping my 401K proceeds in a traditional IRA, I would get some diversification by holding both types of IRA's.

I already understand the considerations of Roth vs Traditional as far as estimated tax bracket when I retire, minimum required distributions, etc, so I guess my question comes down to: How important is tax diversification really? I'd really like to put everything into my Roth but I'm wondering if having it all in one basket is a bad idea.

Any opinions are appreciated. Thanks.
Personal Finance Deals
Starting New Job, Working Out Logistics and Seeking Opinions
Added on : Tuesday November 05th 2013 04:00:12 AM
g: 0 Posted By: Dus10
Views: 0 Replies: 0 Well, an opportunity and its timing have finally worked themselves out for me to make an employment move. I have been working at my current employer for nearly 4 years and it has been a tremendously positive experience. When I started, it was a 15% pay increase and had some requirements for higher end industry certifications for which they funded training. Over the years, I received good reviews with a carrot of promotion which eluded me because I took on our biggest project and it left me without any time for some of the new duties I would have in addition to it. In addition, they paid for about 4/5 of a masters degree for me and most of that has rolled off of the tuition payback timetable. Each year I have had at least one job offer that was for significantly more money, but the benefits were less; while it came out positively for the move, I decided to stay because of the short-term costs of paying back my tuition that would have been more significant and I felt I was doing good work that would benefit me into the future. This year, I have had three job offers and this latest is a good opportunity, I believe. The pay is slightly less than other opportunities, but it has a better bonus potential and benefits that are very close to what I have now.

So, I have some logistics to work out assuming I accept the offer (which is my plan). First, the new employer has a 30-day waiting period for insurance. This is a big deal for me as my wife has been ill for many years. The last time I had a small gap in insurance, it was a big deal. The new recruiter thought that perhaps my current employer would have my coverage through the end of the month, so I could have my last day be at the beginning of the month and it would give me that month to absorb those 30 days. The timing isn't working out well, though, as the next orientation opportunity would be Dec 2nd, making my last day Nov 29th. Is the "through the end of the month" common? I will definitely get the information from my insurance company to see. I would hate to do it, but perhaps I should schedule my last day to be the end of the first week, and just call in that week? Honestly, I don't like it, but the insurance is a big deal. What other options, besides COBRA do I have? COBRA is ridiculously expensive. Maybe ask for a sign on bonus that would cover COBRA, or leaving something equivalent to the premiums I would be paying with the new insurance?

Now, I still have some tuition reimbursement to pay back, but it is relatively small compared to what it would have been earlier in the years ($12k then, about $3k now). I have a full month of PTO accrued which will be enough to cover that and still give me a few thousand after taxes are taken out... so it mostly works out like a bonus.

Now, both companies offer professional services, though my new company also sells products (for which my current employer is in a partnership with them for). In these situations, how amenable do you think be current and future employers would be to working out an arrangement for my old employer to subcontract my new employer for me to continue work with them? My current employer is a federal contractor and I have privileged access that would be active for several more years. They need someone to fill my role for the next several months until the system I am supporting is outsourced. The contract they are on expires next year, so perhaps it is in their interest to have me continue to work (perhaps 50% instead of 100%) with them. My current employer offers this same kind of service and they have plenty of work, but my current utilization is 100% (meaning I must be billable for 8 hours a day each working day of the month or use flex time or PTO to cover the difference), but my new employer only requires a 65% utilization to meet bonus. I could walk in the door and have 50% of my time full utilized and take on the new work that they have for me and effectively be at 100+% utilization (more than full-time). This would have me exceeding my standard bonus requirements and get me the maximum eligible bonus. Granted, these two companies are in partnership... so they work together already, and my current contract is a foot in the door that is leading to a much broader partnership. I would like to pursue this, but if anyone has experience diving off of something like this, I would greatly appreciate your insight. I would imagine I should ask my new employer first if they would even have interest in that (I can't imagine they wouldn't... they are in business to earn money). Then, if things are doable, as the current employer when I hand in my resignation.

Now, there is a chance that when I hand in my resignation that they will walk me out. However, this has never been the case so far with folks that are leaving on good terms. It would actually work out favorable for me if they did, as they would be terminating my employment at that point, meaning I pay back none of the tuition reimbursement and I get severance. This happened to a former coworker as he gave them a resignation that was two months into the future, and they ended it within two weeks, but things were going downhill for him for a while, which is the reason he left. The difference for me is that I am on good terms and my boss has actually been hoping to get me to work on another contract with him. If I could get them to have me work with them on a continued basis on this current contact, perhaps that could extend to a new contract.

What are your thoughts? Thanks FWF.
Pefect for my room 6' Wesley Pine Artificial Christmas Tree for $20
Added on : Sunday November 03rd 2013 05:00:03 PM
g: 1 Posted By: SNakian
Views: 221 Replies: 0 So this year I decided to have my own separate Christmas tree in my bedroom. Real trees are messy and so artificial was the best option. I found the perfect tree and thought I share it with you. From WalMart for $20. Free Shipping on orders over $50 or free pickup from a store or FedEx Office. Now all I need is some colorful lights and inexpensive ornaments and I'm all set.

Walmart Christmas Tree
Decor Deals

Walmart Coupons
g: 0 Posted By: TheWankeler
Views: 0 Replies: 0 zoolz.com - unlimited online backup from ONE computer - includes network drives and external drives.

They are running a Halloween 20% off special. This was valid as of one hour ago, but who knows for how long? Scroll to the bottom for home backup options.

Pricing (including 20% discount):
1 year - $29
2 years - $48
5 years - $96 ( = $1.60/month)

This works for me because all of my media and photos are on one computer, and all of our personal files are on dropbox, but it may not work for you. It is only for occasional restores - when you click the folder you want to restore, they send you a restore link by email a few hours later. Watch the video, read some reviews, and decide for yourself: Brief overview
g: 1 Posted By: bittul
Views: 297 Replies: 0 I saw this deal a few hours ago, but refrained from posting it, as the "call-to-cancel" sort of killed it for me. But seeing the amount of attention it's getting at other sites, maybe I should post it anyway, and let the FW community decide.

Copied/pasted from TofuVic @ SD.

TofuVic @ SD said: Hello, I hope you are doing well.

NatureBox is a company that offers monthly boxes of healthy gourmet snacks. For this deal, you will get the Deluxe box of 5 full-sized snack bags, which usually costs $19.95. At $1, this is by far the cheapest promotion NatureBox has ever offered. This deal will expire sometime today, so my advice is for you to hurry and place your order before it ends. This deal is supposedly valid only for new subscribers, but current subscribers have been able to use the code, as well.

Direct link to NatureBox.com
Enter code: TRICKORTREAT at checkout

For this deal, you cannot choose which snacks you want, but my experience has been that most of their snacks are delicious. (For examples of their snacks, check out http://naturebox.com/foods).

Easy Cancellation Needed
The only catch is that unless you want to be charged $19.95 on a monthly basis, you will have to cancel your subscription once you receive the first box. To cancel, you will have to call the company. I have done this in the past and each call has taken less than two minutes, including hold time; the representatives have been very courteous. (For more information on the cancellation process, go to http://support.naturebox.com/customer/portal/articles/1069681-how-do-i-cancel-my-subscription-.)

Author's Note
I would willingly pay up to $10 for 5 snack bags on a regular basis because I like NatureBox and the foods are of really high quality. None of the food has partially hydrogenated oils, artificial flavors or colors, high fructose corn syrup, MSG, and trans fat.


If you have any questions, please reply and I will try my best to answer them.

Enjoy!
Tofu Vic
Food Deals
Amazon donates 0.5% of the price of your eligible purchases to Charity!
Added on : Thursday October 31st 2013 11:00:02 AM
g: 0 Posted By: bittul
Views: 0 Replies: 0 Is this a "hot" deal per se? I don't know, will let the Mods decide where this belongs...

Shop at Amazon? Now do your shopping through http://smile.amazon.com/, and Amazon will donate 0.5% of your purchase to charity!


Amazon donates 0.5% of the price of your eligible AmazonSmile purchases to the charitable organization of your choice.
AmazonSmile is the same Amazon you know. Same products, same prices, same Amazon Prime benefits.
Support your charitable organization by starting your shopping at smile.Amazon.com.
Halloween Masquerade Mask For $7.53 + Free S/H
Added on : Thursday October 31st 2013 07:00:04 AM
g: 0 Posted By: magni
Views: 103 Replies: 0 I know it's Halloween today and this would arrive after the fun is over, but here at FW, I believe (hopefully everyone would agrees with me) that if it's a great deal, why not "Go For It!" and save it for the next Halloween or just for scaring the bejesus out of someone any day!

Came across this one and thought of sharing...it's seems to be a good price.
It's a Halloween Masquerade Mask.

Here's the Link

I know the store seems to be new, here is a link to report from ScanVoid
You all can decide on it's Web Worthiness, I believe it based out of China.
Hope this helps!

Happy Halloween Everyone!
Thank You Rewards Redemption Rate Changes after receiving Share Points
Added on : Monday October 28th 2013 07:00:13 AM
g: 0 Posted By: howie888
Views: 76 Replies: 2 Anyone else have this strange issue?

My wife and I own two thank you reward accounts:

TYR Acct #1: The sponsor account is our joint checking
TYR Acct #2: The sponsor account is our joint credit card

Last Friday, we decided to use the "share" feature to combine our points into one account and redeem for a $750 (75,000 points) mortgage payment.
On both TYR Acct's the redemption rate was the same (75,000) points. So we arbitrarily decided to share (60,000) points from our TYR Acct #2 (sponsor join credit card acct) into our TYR Acct #1 (sponsor joint checking).

Today, the redemption rate on the TYR Acct #1 (sponsor joint checking) became devalued. Now it costs 93,900 points to redeem for $750 mortgage payment.
However, on the TYR Acct #2 it still costs 75,000 points.

I was on the phone speaking to the manager and their explanation is that the banking product redemption rates differ compared to credit card redemption rates.
This doesn't make any sense to me. If you earn TYR via checking/product or credit card product & you can transfer points between those TYR accounts arbitrarily, the redemption rates on both should be the same.

If they were not, everyone would transfer points from TYR account sponsored by a banking product to a TYR account sponsored by a credit card to get more value.

Any thoughts?


Deposits Deals
g: 0 Posted By: remick
Views: 32 Replies: 0 http://www.amazon.com/dp/B008Z03RIE

Using strategic supply chain network design, companies can achieve dramatic savings from their supply chains. Now, experts at IBM and Northwestern University have brought together both the rigorous principles and the practical applications you need to master. Youll learn how to use supply chain network design to select the right number, location, territory, and size of warehouses, plants, and production lines; and optimize the flow of all products through your supply chain even if extends around the globe. The authors present better ways to decide what to manufacture internally, where to make these products, which products to outsource, and which suppliers to use. They guide you in more effectively managing tradeoffs such as cost vs. service level, improving operational decision-making by integrating analytics throughout supply chain management; and re-optimizing regularly for even greater savings. Supply Chain Network Design combines best practices, the latest methods in optimization and analytics, and cutting-edge case studies: everything you need to maximize the value of supply chain network design. For all supply chain executives, managers, strategists, and analysts; and for all students, instructors, and researchers in advanced supply chain management and/or logistics courses.
Books Deals

Amazon Coupons
g: 0 Posted By: NonReturnable
Views: 162 Replies: 0 I'm 28, my wife is 25. We have twin daughters, 2.5 years old.
My wife will graduate from college in two semesters from Penn State World Campus with a B.S. degree in Human Resources.
She has not worked for over 5 years, since she moved in with me. She quit her job, and I've been the sole source of income.
She is currently a "stay at home mom" in addition to going to school online full-time.

I make roughly $80k a year.

I owe $70k in student loans.
My loans are on the income based repayment option.
Yes, I understand that I'm not even paying the interest. The plan is, once she graduates and gets a good job, to put all of her income (besides what it takes to pay for childcare) at paying everything off ASAP.
Right now, the goal is to just keep our heads above water. Obviously we did not expect twins, and it has incurred a lot more expense than expected when we decided to have a kid.
I am concerned, if she works, my payment goes up beyond the extra money she is bringing in (if any at all) after paying for childcare.

She is concerned about not having anything on her resume for 5 years, and has started applying at entry-level jobs, to beef her resume up.
She has an offer for $10 an hour to work as a "sample lady" at WalMart, for a contracting company. This would be roughly 30 hours a week, mostly during the afternoons.

This means, we will need to start paying for childcare. This would actually be good for my girls, because they are a bit behind speech wise, and it would be very good for them to be around other kids.

I have a couple of concerns. If she works 30 hours a week, she could potentially bring home up 15k a year. This could either raise my IBR payment, or totally knock me out of IBR, meaning my payments would almost triple.
However, if she does get the job, its just going to be barely enough to pay for childcare. She would be doing it only to get something recent on her resume, to get out of the house, and so that the kids can have some time around other kids. We've looked into playgroups, and there just aren't any in our area. We live in a rural farming area.

I found thishttp://www.irs.gov/uac/Ten-Things-to-Know-About-the-Child-and-Dependent-Care-Credit

"The credit can be up to 35 percent of your qualifying expenses, depending upon your adjusted gross income."

So...I can only write off 35% of the child care costs? meaning, 65% of her income is still going to go towards our gross for the year.

Are there other child care tax reducing methods that I do not know off? Any advice?

Thanks!



Personal Finance Deals
g: 1 Posted By: Sashinator00
Views: 459 Replies: 1 Got this in my email, may be targeted:

Set up DirectDeposit and nab a sweet $25bonus
after your first two deposits.

Ready to get some (or all) of your hard-earned money working as hard as you do?

Set up Direct Deposit into your 360Checking account, and your cash will start doing a whole lot more without breaking a sweat. Deposit all or just some of your paycheck you decide and kick back knowing your moneys automatically there when you want it.

Best part? You get $25 after making two DirectDeposits of at least $250 each
Deposits Deals
$25 bonus for adding direct deposit to existing capital one 360
Added on : Friday October 25th 2013 02:00:13 PM
g: 0 Posted By: Sashinator00
Views: 98 Replies: 0 Got this in my email, may be targeted:

Set up DirectDeposit and nab a sweet $25bonus
after your first two deposits.

Ready to get some (or all) of your hard-earned money working as hard as you do?

Set up Direct Deposit into your 360Checking account, and your cash will start doing a whole lot more without breaking a sweat. Deposit all or just some of your paycheck you decide and kick back knowing your moneys automatically there when you want it.

Best part? You get $25 after making two DirectDeposits of at least $250 each
Deposits Deals
Need advice on cell plane: AT&T or T-mobile
Added on : Wednesday October 23rd 2013 06:00:06 PM
g: -1 Posted By: mooseranger
Views: 82 Replies: 0 I'm interested in hearing from FW members' opinion on ATT vs T-moble contract/plan. My contract with ATT is up next week and I can't decide if I should switch from ATT to T-Mobile or not. I've been with ATT forever, my current family contract consists of 590 minutes a month with rollover and unlimited data (stutter after 3bg) with no text. Unlimited data only apply to one phone, the second phone is a flip phone, thus only voice. My monthly bill after taxes and discount and all come to $82.

T-Mobile Bliss ad looks interesting with the simple plan with international text and data. I look at T-Mobile family plan and it costs $90 before taxes for 2 lines with 2.5 gb one phone and 500mb second phone. I can't decide if it's worth switching to T-Mobile or not since I have no experience with T-Mobile beside AT&T. Any thoughts and suggestions?
Thanks.
Discussion Deals
g: 0 Posted By: badsister
Views: 70 Replies: 0 I've been calling around trying to find a 0% BT with 0% fee, and there's absolutely nothing aside from Chase Slate.

I decided to give Barclay's a call, even though I havent used their NFL card in over a year...and they offered me 0% thru December 2014 with a 1% BT fee.

My husband and sister also have this card, but the offer was not available to them, so YMMV.

If interested, call customer service at 866.421.8004.

FYI: BT takes 7-10 business days to process.
Credit Deals
Corp-To-Corp vs 1099 and Unemployment Tax Issues
Added on : Wednesday October 23rd 2013 10:00:10 AM
g: 0 Posted By: robronson
Views: 1 Replies: 0 I've recently started in the traveling IT consulting space. I want to avoid working as a W2 of an employer directly for several reasons:

1) No children, no family, so "Cadillac" health plans are wasted compensation.

2) I intend to max out retirement plans as much as possible. Many more options if not W2ed.

3) Opportunities to deduct several purchases such as new phones, laptops, etc. For my personal life I run a dirt-cheap crappy prepaid phone at 10 cents a minute. If I get a W2 job, they'll expect me to buy my own cell phone and pay for my own minutes, but I can't deduct that. As a 1099, I can buy a new phone, new phone plan, keep my existing 10cents a minute plan for personal use, and deduct the new phone/plan 100%.

I was dead set on 1099 until I learned about Corp-to-Corp, which seems like some staffing firms require that I would use in stead of a 1099. I've done some research on Corp-to-Corp but most of it seems to be tailored to the non-Fatwallet crowd who gives the federal government an interest free loan each year and is excited at tax return time to get "free money." Thus, I am proposing the question here about Corp-to-Corps because I imagine there's some high level operators doing some nifty things with them.

I do have a few specific questions and would like to open the floor to general comments on pros/cons.

1) If I'm the only person working through this corp, does it matter if I use S-Corp versus LLC?

2) Does my corp hire me as a W2 of the corp, or contract me as a 1099 of the corp, or is either allowed?

3) Are 1099s exempt from unemployment taxes (and subsequently, benefits if eligible?)

4) How does unemployment work on a corp-to-corp if I'm the sole W2 employee of my corp? From my research it appears I'll be on the hook for around $500 per year for state/federal UI insurance, at least for the first 2.5 years and then it may get cut in half or so. I ran the numbers on UI insurance, and assuming I was legally able to decide on W2 versus 1099 within my Corp-to-Corp, it seems like UI insurance is a good deal for me for several reasons:

a) You're only taxed up to the first $7k or so of income, but the maximum benefits of UI are not realized until around $40k of income. Thus, unlike social security where you're negatively penalized for making too much with respect to the ratio of payout, with UI, you're unfairly compensated for being a high earner. Since the tax stops at $7k but the benefits run until $40k or so, then if you're making $40k+, you're getting more than your payout relative to someone earning less than $40k.

b) As the owner of my S-Corp, I could decide not to take on a new Corp-to-Corp contract and make my sole employee (myself) be unemployed. And thus I have more control over my own unemployment. This is probably borderline fraud, but that also means it's borderline legitimate. So suppose the market for what I do dies down, there's no requirement for my S-Corp to take on a crappy contract I don't want when I can just terminate my own W2 within the corp and collect 6 months of unemployment.

c) The possibility exists of future federal extensions of UI benefits. This is effectively free money with regard to the cost/benefit analysis of UI insurance. The possibility exists that you pay the exact same amount ($500 annually) but get double or triple the payout in the event of unemployment. From a pure economics perspective, that has some form of value.

In summary, let's discuss the pros/cons of 1099 versus Corp-To-Corp and details of how Corp-to-Corp can work. Either in general or pick one of my topics above to comment on.

Personal Finance Deals
DRIVING FROM DALLAS TO LA
Added on : Monday October 21st 2013 03:00:10 PM
g: -2 Posted By: sunshinethestylist
Views: 56 Replies: 1 HELP NEEDED!! WE ARE DRIVING FROM DALLAS TX TO LOS ANGELES CA LEAVING NOV 30TH. WE CANNOT DECIDE IF WE NEED TO TAKE I-10 OR I-40! SOMEONE POSTED ONLINE THAT THEY TOOK I-40 AND HAD TO DRIVE STRAIGHT UP A MOUNTAIN! THEN SOME PEOPLE SAY THAT TAKING 1-10 IS BORING AND YOU DRIVE FOR LIKE 200 MILES WITH NO GAS STATIONS OR HOTELS IN SIGHT. DOES ANYONE KNOW ANYTHING ABOUT THIS?
Requests Deals
g: 0 Posted By: VivYip
Views: 81 Replies: 0 credit techbargains

Adorama via eBay has this refurb'd item for $299 with free shipping

Nikon D3100 Digital SLR Camera w/18-55mm NIKKOR VR Lens - Refurbished by Nikon
FEATURES
14.2 Megapixel DX-format CMOS Image Sensor delivers beautiful photographs and prints well beyond 20 x 30 inches
Full 1080p HD Cinematic Video with full-time autofocus and sound lets you record cinematic-quality movies in Full 1080p HD format (1920 x 1080 pixels)
Easy-To-Use featuring Nikon's Guide Mode with intuitive controls and on-board assistance helping you take better pictures every step of the way
Fast 11-point Autofocus System delivers razor-sharp pictures
3in monitor with One-Touch Live View shooting and movie capture
Built-in HDMI port lets you connect directly to your HDTV using an optional HDMI cable
Control Image and Movie Playback with most HDTV remote controls
6 Automatic Exposure Scene Modes Just set the Mode dial to Portrait, Landscape, Child, Sports, Close-up or Night Portrait for stunning results in otherwise challenging conditions
Picture Control lets you choose from Standard, Neutral, Vivid, Monochrome, Portrait, or Landscape to apply a personal look and feel to your pictures
Built-in pop-up flash for those times when there isn't enough light
Includes 3x 18-55mm Zoom-NIKKOR VR Image Stabilization Lens with legendary NIKKOR optical quality and fast, accurate autofocus for vivid color, striking contrast and crisp detail and VR image stabilization to ensure the sharpest hand-held pictures and movies
Compact and Lightweight Design Beautifully styled - Ready to go wherever life takes you
Split-second Shutter Response eliminates the frustration of shutter delay, capturing moments that other cameras miss
ISO sensitivity 100-3200, expandable to ISO 12800 equivalent delivers exceptional results, even in the most challenging low-light situations
Scene Auto Selector lets the D3100 decide the best mode to match the shooting situation when using Live View
EXPEED 2 Nikon's new image processing engine assures breathtakingly rich image quality, managing color, contrast, exposure, noise and speed
Scene Recognition System in Live View automatically optimizes exposure, autofocus, and white balance, allowing you to obtain beautiful photos without the hassle of making complicated camera adjustments yourself
Active D-Lighting restores picture-enhancing detail in shadows and highlights
Automatic Image Sensor Cleaning uses an ultrasonic process and exclusive Airflow Control combats the accumulation of dust in front of the image sensor, safeguarding image quality shot after shot
In-camera Image Editing allows creative freedom, without the need for a computer, offering easy editing functions
14.2MP DX-format CMOS image sensor
3-inch monitor with One-Touch Live View shooting and movie capture
Full 1080p HD video recording with full-time autofocus and sound
Capture images to SD/SDHC/SDXC memory cards (not included)

Hope this might help someone. Thank you for reading.
SLR & dSLR Deals
COBRA or Obmacare?
Added on : Monday October 21st 2013 06:00:18 AM
g: 0 Posted By: Veeekay
Views: 144 Replies: 4 I am planning on taking up an offer to work in a country with lower cost of living and if everything works out settle there. The expected start date is in March 2014. To help with smoother transition, I am planning to go there in March and come back in May 2014 to get my spouse and kid, at which time we will be relocating.

I have family medical and dental insurance (HSA 5.6K ded and 11.2K out of pocket) thru my employer. COBRA costs $1200 per month for the current plan. Healthcare.gov estimates PPO bronze at about $430-650 per month, depending on the provider.

It is expected that my family will be in COBRA or Obmacare between March and May. Given the 60 day grace period (or is it 45?) for COBRA, I may be able signup for COBRA, only after there is a need for it.

Questions are:
1. If I didn't signup for COBRA, but had to use the insurance during the grace period, would the medical providers accept the negotiated rate as total payment. In other words, I am using COBRA to get a better/current rates.

2. If the grace period for COBRA is 45 days and I decide to opt for Obamacare after the 45 days, would that be considered as lapse in coverage and if so, would Obamacare not be of any help?

3. Should I just pay $860-1300 for 2 months of Obmacare or are there other options to avoid insurance payment for the March to May time-frame.
Personal Finance Deals
g: 0 Posted By: NantucketSunrise
Views: 84 Replies: 0 A current"contest" by Life Extension is pretty good - it seems to be offering a similar type of thing as this"Hot Deal" offer offered in January 2013 -->http://www.fullofdeals.com/forums/hot-deals/1250278/

This is the current url to enter: https://mycart.lef.org/livebetter/register/

At the moment it's probably giving most (or all)people who enter the contest:
-a free half-year membership, a savings of $37.50
- free 6 month subscription to their monthly health magazine
- free shipping on one order
- a $25 product credit
.... not bad, when it's entirely for free!

Tonight I was looking for a free membership to Life Extension (there used to be a sign-up page for a 6-month free membership, and I finally found that online, but after I filled it in, it told me that it was no longer a valid offer), and I found the above Hot Deal from January 2013 and a month-old threadin the Contests forum, so I entered the contest tonight and I instantly "won" a 6 month free membership, free shipping on my first supplement purchase, a $25 product credit, and a chance to win $25,000 by calling a telephone number right away.

Well, I realized it was not so likely that I'd have won the $25,000, but the contest rules seemed okay and it was just a quick call, so I called the number expecting to get an automated system that would want me to press a few buttons on the phone, and instead a real guy answered immediately (like on the first ring) -- and he addressed me by my name right off the bat (without my telling him what my name is -- obviously he was reading it off his computer screen, from my telephone number). ...It was a little creepy, to be honest, and threw me for a moment.

He told me that unfortunately I was not the winner of the $25,000 prize. I wonder how often he has to say that to people - apparently constantly. What a job he's got.

Anyway, my point is that this contest probably has the same odds as the Hot Deal in January 2013 did -- a person who enters it is probably quite likely indeed to be offered a free half-year membership to the organization, a $25 coupon off their products,and free shipping of the first order. An annual membership there really does go for $75 at full price, so it's quite a substantial free offer, and I don't know how much shipping is for their products, but one instance of free shipping is probably worth at least $5 or $10 (of course, it would be of value to you only if you intend to use any of their services or buy any of their products, or will utilize the free monthly magazine that comes as part of the free membership.)

You can also enter this contest more than once, it says (once a day, I guess). It's a pretty quick and simple process to enter.

Also: their $25,000 prize hasn't been won yet, and that particular aspect of the contest is over Wednesday Oct. 23rd, so there are only a few days left!
(It's been going since May 30th, it says: http://fullofdeals.com/redirect/bounce.php?afsrc=1&mid=18045646&eurl=https%3A%2F%2Fmycart.lef.org%2FLiveBetter%2FCashPrizeRules.html%29&orig=forums.contests-and-sweepstakes

---
Note: I did ask the moderators if they could cross-post the month-old entry about this freebiefrom the Contests forum (http://www.fullofdeals.com/forums/contests-and-sweepstakes/1299376/), but the feeling was that the waytheoriginal post therewas written, itdescribedthe offerstrictly as a contest, so it would have been confusingto readers to directly cross-post that thread to another forum. Therefore, I'm making this new thread here, because I do think the current free offer (styled as a contest, but probably given to most, if not all, people who "enter")from Life Extensionis pretty substantial and might be worth something to some Fatwallet readers.The mods may delete this -I don't mind if they decide to do that.
Surveys & Rewards Deals
Career going very well, yet the money is not there. Advice?
Added on : Saturday October 19th 2013 08:00:09 AM
g: -1 Posted By: dynorodzilla
Views: 262 Replies: 8 I graduated HS in 2005. From 2007-2011 I was making around $16 an hour while going to school. Graduated from a well known state college in December 2010 with a bachelors in business

After graduating, I took a trainee role working at a scrap metal recycling company for $21 hourly, with no benefits until the trainee period ended. It was kind of a mismanaged company and I did not see much potential there. After 8 months I decided to start looking for a new job. I anticipated a difficult job search, but got the first job I interviewed for and was hired on to an entry level job at a salary of $38,000 with good benefits. I started in November 2011. I have had 2 reviews/raises since then. First one raised me $1000 to $39,000. I was recently reviewed again and received a promotion for which I got an 8% raise. Which really is only a 4 or 5% raise because everyone gets a standard 3 or 4% raise every year. So now I am in this position which should be paying in the $50,000's, yet I am making $42,000 a year.

Everyone at my company seems to like me. I get great reviews every year and meet every challenge I am given. The company has a good reputation and I am working in the company s main building, which has 500+ people working in it.I like everything about my job and employment situation, except my paycheck. I am not some young kid anymore and I am gonna have to support a family. I need to make more money. Considering I was recently promoted, how long do I have to put in before leaving for a competitor, if that is my best option?

Does anyone have any suggestions for me? Thanks






Personal Finance Deals
Take Out Unnecessary Student Loan to Boost Credit Score?
Added on : Thursday October 17th 2013 06:00:11 AM
g: 0 Posted By: km782
Views: 67 Replies: 0 I am looking for a way to boost my credit score. My score from Transunion is 747, which is ok but I don't really think it reflects my financial situation so I'd like to increase it. Two years ago it was over 780 but I decided to close my oldest credit card which began charging an annual fee and offered no rewards. I also opened a new account in its place and my score dropped 40 points as a result.

Right now I have 2 open credit card accounts. One is a Capital One card with a $15k limit and the other is a Citi card with a $31k limit. Citi recently increased my limit but Capital One refuses my requests. I have $170k in liquid assets (stocks, savings, etc.) so I am more than capable of paying off any bill that comes my way and have no other outstanding debt.

I am a part time student in grad school right now and have been paying the tuition bills out of pocket. Would taking out a student loan and then paying it off soon after that boost my credit score? My understanding is that it is helpful to have types of debt other than just credit card debt on your credit report. Id like to purchase a house in the next few years so even though I would pay a fee for the student loan I wonder if a lower interest rate on a mortgage would more than make up for it?
Personal Finance Deals
2014 Planning (AOR #3) - Should I pay of 0% CC or BT + Invest?
Added on : Thursday October 17th 2013 05:00:07 AM
g: 0 Posted By: Muscle
Views: 91 Replies: 2 Hi all,

I'm starting to put together a gameplan for the next calendar year. Around the beginning of this year I did my AOR #2 with the following results:

$10k BT with no fee (Chase Slate) + card consolidation (2x Chase Freedom) for a total 0% APR CL of $15k
$200 Cash Back from Amex Blue + BoA 0% APR cards
~$100 more Cash Back from these cards based on spending

I have $3500 left that I can load up on my remaining 0% APR cards. The promotional period runs out between4/1/14 - 7/1/14, with the largest balance (around $15k) on 7/1/14. Once the cards are loaded I will have a total of about $25k in CC debt.

I doubt I'll be able to get any other no-fee balance transfers, so I need to decide if I want to pay off the balance on the staggered cards prior to the promo period running out or pay a 3% BT fee (will be around $750) for another 1-1.5 years of no interest.

So, what have you done with this $25k?

I've been investing into various mutual funds and have been fortunate enough to get a ~20% return on my money. I can pay off the balances, but why not keep the train rolling?

Also, I have a 2 tier emergency fund on top of this, so that's of no concern.

----

Game Plan Options:

1) Pay off: Do a new AOR in January, pay off staggered balances on old cards while loading up new cards.
Pros: no balance transfer fees to pay, peace of mind (arguable).
Cons: much lower ROI because despite the $750 BT fee I could make way more than that by investing the same balance again. I won't be able to invest any money for half the year.

2) BT: Do a new AOR in January and BT as much of the current balance as possible. Load up new cards (if there's anything left) while investing the rest.
Pros: higher ROI.
Cons: growing debt, $750 BT fee.

3) Hybrid: Do a new AOR in January, BT staggered amounts on cards that have the promo period running out earlier. Invest as much in the first half of the year as possible. Sell off some investments mid-year to either pay off remaining balances, do another AOR, or some combination based on offers at that point.
Pros: mid range ROI, lowering (but not eliminating) debt, lower BT fee.
Cons: mid range ROI.

---

What do you guys think?

I'm leaning towards #2, but may have to be somewhat flexible based on available offers (for instance I just got a 0% APR for 15 months BT offer to transfer $7k from Citi - I have some cards with them I don't use anymore - but they want to charge a 5% fee) because I'm not sure how high my new CL will be. I doubt I'd get $25k+ worth.

For the record, I could pay off all the balances now, but that would be silly, as I'd be selling off over $20k worth of investments that are bringing in healthy returns.

TIA




Personal Finance Deals
Wedding Registry
Added on : Wednesday October 16th 2013 06:00:05 PM
g: 0 Posted By: miniChapMan
Views: 97 Replies: 1 Searched for the topic, all seemed old/archived.

Looking for advice about wedding registries. Partner and I are looking specifically for a honeymoon-like registry for cash/debit/check transactions that minimize transaction costs. Looked around online, best I've found have something like a 2.8% or so transaction cost. In the FWF way, I'd like to minimize that.

Anyone have any ideas? We may also register on Amazon or something too, haven't decided yet.
Discussion Deals
Orbitz has been stalling to refund me for 11 months - how to escalate?
Added on : Wednesday October 16th 2013 01:00:07 AM
g: 0 Posted By: OrbitzSux
Views: 28 Replies: 0 Orbitz has the WORST customer service department, and they completely ROBBED $1400 from me. I purchased my ticket in September of 2012 to go to Brazil, due to extenuating circumstances, I was unable to go and i had to cancel my ticket about 2 month later. Mind you this was still 4 months before my scheduled flight.

I contacted customer service and asked to cancel my flight, which they did and they mentioned i will be changed $250 cancellation fee, despite buying the cancellation insurance. Later during that conversation i was told i had to contact COPA airlines to get my refund. And when i contacted COPA they bounced me back to Orbitz.

Needless to say this back and forth bouncing went on for about 3 months, where i call either companies and would have to wait an average of 30-40 minutes (with Copa Id wait for more than an hour), be transferred between 3-4 agents till finally someone would speak with me, and finally im told that i should call the other company.

Finally i decided to write to Orbitz' claims department. after a number of emails (about 2 weeks) they said they will refund me my money, and this should take a few business days. I mentioned to them that the CHASE CC which i bought the ticket with has been cancelled, and i would need the money to be refunded back to me in a different way. They replied, "we can not do that, we can only refund the CC which you bought ur ticket with. Dont worry, banks still have your information and will send you your money."

In any case, what they Said was NOT TRUE - to this day i have not received my money - and i even had chase contact them and send them documents stating that chase bounced back the funds to them and instructed them on how to refund me my money. I truly feel that by rerouting the customer service overseas, this gets most the basic issues resolved but anything besides that - its a hopeless case. And looking online i see plenty of cases where Orbitz has screwed customers, all you have to do is google - i should have done so before buying anything through them. they use these clever tactics to screw over the little guy and keep their money. Needless to say Im out $1400 for a service i did NOT get and Orbitz is up $1400 for a service they did NOT give.

Do yourself a favor - save yourself the headache that I have been going through the past 10 months, and STAY AWAY FROM Orbitz.
Question Deals
Buying foreclosed condo that is owned by my passed away dad.
Added on : Tuesday October 15th 2013 02:00:09 PM
g: 0 Posted By: webdeveloper
Views: 59 Replies: 0 Two years ago my dad has been diagnosed with cancer. Due to his condition he wasn't able to work and decided that he will not be paying for the underwater condo that is worth around 70k and he owes 130k on.
He has passed away few months ago, in the meantime foreclosure proceedings have progressed. He was the only one on the mortgage.

My mom is currently the only person that is living in the condo. Due to foreclosure she will have to move out soon.
I'm looking for another condo for my mom in the 70k price tag, rough value of the current condo.

I will buy a place for her to live anyways, but I'm wondering what do you guys think about contacting a bank that owns it and offering them market value of the condo?
I would be making a cash offer if that makes any difference.
Real Estate Deals
Reverse Mortgage for fun and profit
Added on : Monday October 14th 2013 09:00:13 AM
g: 9 Posted By: brettdoyle
Views: 793 Replies: 31 I recently read an article stating that the FHA will need a $1.7 billion bailout from the Treasury to cover projected losses in its reverse mortgage programs. This got me wondering how they are losing so much money on these mortgages at a time when housing prices are supposedly rising. Until recently I didn't fully understand this program as I am a younger person and reverse mortgages have a negative stigma attached to them. They are generally used by individuals living beyond their means... but when I looked into it and ran the numbers it sounds like a pretty good deal in many scenarios.

A quick background: Reverse mortgages are only for individuals ages 62 or older. You can either take a lump sum payment or receive a payment stream. The home continues to compound principle and interest over time, however you cannot be kicked out of the home no matter how large the mortgages compounds. When that individual passes away, the family has the option to repay the balance and keep the home or leave the collateral to the lender. Any excess equity it kept by the lender. You can borrow up the 75% of the appraisal value.

The system was designed with rules to protect taxpayers such that only the individuals on the mortgage could continue to live in the home indefinitely. You could only qualify if every person on the mortgage was 62 years old, so a couple typically left the younger spouse off the mortgage. Women typically outlive men, and often this meant that when the man died the widow would need to cough up the mortgage balance or else move out of the house. Of course, the losers who made bad decisions didn't like this outcome and looked for ways to prevent it.

Now the interesting part is that AARP ultimately teamed up with these widows, went to court, and somehow got a judge to decide that the widows cannot be kicked out of the homes... even though they never qualified for the reverse mortgage program (which is ridiculous).

http://www.aarp.org/about-aarp/press-center/info-10-2013/Two-Sur...

Ultimately, this could be a really good deal in a situation where a woman is younger than her husband. Consider a homeowner with a $400,000 property who is eligible to borrow up to $300,000. If he has a wife that is 57 years old and assuming she lives until the median expectancy of 82... that would allow her to live in the home for 25 years without ever repaying a cent.

Assuming a 7% annual investment on that $300,000.... after 25 years it would compound into a value of $1,628,230 that could be left to heirs in lieu of a house. This would probably be much larger than the future value of the home... a house is a fixed asset that simply sits there whereas the $300,000 could be employed into active business investments that will co