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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.





Books Deals

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




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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!
New User Question Deals
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.
Garden Deals

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 #]
....


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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.

Real Estate Deals
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
Music Deals

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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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Amazon Coupons
​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:
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Click here, click $1 coupon checkbox, and add to cart:
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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:
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Click here and add to cart:
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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!

Grocery Deals

Amazon Coupons
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!

Grocery Deals

Amazon Coupons
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...
All in one printers Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
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?
Well think again. Nothing could be easier to make without recipes than soup.
Making soup is very easy
Making soup is very creative
Making soup is very inexpensive
Making soup from scratch is fun

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.



Top 30 Soup Recipes For Everyday Eating: Latest Collection of Healthy, Popular And Mouth-Watering Soups For Everyone
http://www.amazon.com/Soup-Recipes-Everyday-Eating-Mouth-Waterin...


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
http://www.amazon.com/Slow-Cooker-Soup-Cookbook-ebook/dp/B00HVLR...

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.

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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

CowBoom Coupons
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.
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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.)
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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 compound and generate much higher returns on investment.

What happens after the widow finally dies? As you can imagine, an individual without equity in a home is not going to take great care of the property. They aren't going to renovate the kitchen or do major repairs. The interest and principle compound over decades but the collateral is probably worth no where near that amount. The home gets sold off a large loss relative to the mortgage. Interestingly enough the lender doesn't care if this happens as they won't lose a penny. They get to make a bunch of money off fees and interest and are made whole loans by the US taxpayer as these loans are federally guaranteed. Their goal is to just write as many of these smelly loans as possible.

In more extreme scenarios with a 62 year old male and a 45 year old wife that lives until 95... the payouts could hit $10 million. I also wonder how badly this ruling could be abused. What if the widow decides to marry a younger male? Does that mean he can live in the home for the rest of his life without paying a cent? Could the widow arrange a paper wedding with a 20 year old to give him a free house? Could he then marry someone in turn and keep the home? Who knows... but the losses on these loans are massive.
General Economics Deals
Reverse Mortgage... a hot deal
Added on : Monday October 14th 2013 07:00:12 AM
g: 0 Posted By: brettdoyle
Views: 0 Replies: 0 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. 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.

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.

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 compound and generate much higher returns on investment.

What happens after the widow finally dies? As you can imagine, an individual without equity in a home is not going to take great care of the property. They aren't going to renovate the kitchen or do major repairs. The interest and principle compound over decades but the collateral is probably worth no where near that amount. The home gets sold off a large loss relative to the mortgage. Interestingly enough the lender isn't on the hook for a penny. They get to make a bunch of money off fees and interest and are made whole loans by the US taxpayer as these loans are federally guaranteed.

I also wonder how badly this ruling could be abused. What if the widow decides to marry a younger male? Does that mean he can live in the home for the rest of his life without paying a cent? Could the widow arrange a paper wedding with a 20 year old to give him a free house? Could he then marry someone in turn and keep the home? Who knows... but the losses on these loans are massive.
Food Stamp glitch
Added on : Monday October 14th 2013 04:00:09 AM
g: -1 Posted By: xerty
Views: 42 Replies: 1 From the 'No Good Deed Goes Unpunished' Dept...

You may recall the news that Xerox's recent software upgrade crashed the food stamp debit cards used by a handful of stamps, leaving a number of people without access to the taxpayer's wallet. Well things were slowly getting back online, but for a while there were no limits on the spending power of these EBT cards. Predictably, some people decided to push the (lack of ) limits. WalMart Corporate tried to be a good citizen and help out the people who had already been several days without access to their cards, and this was the result:

http://www.ksla.com/story/23679489/walmart-shelves-in-springhill...

[Springhill Police Chief] Lynd explained the cards weren't showing limits and they called corporate WalMart, whose spokesman said to let the people use the cards anyway. From 7 to 9 p.m., people were loading up their carts, but when the cards began showing limits again around 9, one woman was detained because she rang up a bill of $700.00 and only had .49 on her card. She was held by police until corporate WalMart said they wouldn't press charges if she left the food.

I let the armchair lawyers among you debate the legal and ethical issues involved.
Discussion Deals
g: 0 Posted By: AnAceBuyer
Views: 634 Replies: 4 Just in time for Thanksgiving!!! Been shopping, and units of this quality are RARELY below $500.

These two are both scored very, very highly at every site I've checked, including Lowes, Home Depot, Whirlpool, and Sears. I like the look: no controls visible on the front; they're hidden in the top lip of the door. Simply needs a little craftsmanship installing them to ensure screws in top mounting don't scratch the controls. NOTE: there are holes in the side where you can use screws instead of the top!

Through Tuesday only, 10/15 at Lowes.com (15 place setting capacity, too)

Deal 1: cheapest deal, great features, price, and ratings
linky1 (can get 1.5% FWBCB or 2.5% ebates CB, plus 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used: net $404!)
$449 price in card (vs $599 list) Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR
Item #: 362071 | Model #: WDT710PAYMWhirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR ($26/yr operating estimate)

The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher - uses nearly 1/2 the water and energy without compromising performance
Sani Rinse option sanitizes dishes by eliminating 99.999% of food soil bacteria, as certified by NSF International
AnyWare plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cycle to clean tough soils
The top rack wash option saves you time and energy by washing dishes in the top rack
Manually raise or lower the upper rack to better fit tall or odd-shaped items in either rack
Designed, engineered, and assembled in the USA


Deal 2:
If you "HAVE" to have the best, and a stainless tub, and quieter (51db vs 55db above)
linky2$539 price in cart(vs $799 "list")(can get 1.5% FWBCB or 2.5% ebates CB, plus 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used, net $489)
Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR($26/yr operating estimate)
Item #: 362073 | Model #: WDT790SLYM Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR

Lowe's exclusive feature - easily adjust the upper rack 2" up or down to fit larger items in either rack without sacrificing usable space
The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher uses nearly half the water and energy without compromising performance
The industry-exclusive Eco Dry option uses 70% less energy compared to using Heated Dry
AnyWare Plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cyce to clean tough soils
The Top Rack Wash option saves you time and energy by washing dishes in the top rack
Designed, engineered, and assembled in the USA


I bought both, for store pickup, and will decide after looking at them which to keep. Used my Amex Gold card, too, adding a 1-year warranty extension. Like the great price for the first one, BUT, the extra features on the second one probably are worth it.

Would welcome FatWallet community feedback!!

Appliance Deals

Lowe's Coupons
g: 0 Posted By: AnAceBuyer
Views: 509 Replies: 2 Just in time for Thanksgiving!!! Been shopping, and unit of this quality are RARELY below $500.

Through Tuesday only, 10/15 at Lowes.com (15 setting capacity, too?)

Cheapest deal, great features, price, and ratings
linky1 (can get 1.5% FWBCB or 2.5% ebates CB, plus 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used: net $404!)
$449 price in card (vs $599 list) Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR
Item #: 362071 | Model #: WDT710PAYMWhirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR ($26/yr operating estimate)

The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher - uses nearly 1/2 the water and energy without compromising performance
Sani Rinse option sanitizes dishes by eliminating 99.999% of food soil bacteria, as certified by NSF International
AnyWare plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cycle to clean tough soils
The top rack wash option saves you time and energy by washing dishes in the top rack
Manually raise or lower the upper rack to better fit tall or odd-shaped items in either rack
Designed, engineered, and assembled in the USA


Deal 2:
If you "HAVE" to have the best, and a stainless tub, and quieter (51db vs 55db above)
linky2$539 price in cart(vs $799 "list")(can get 1.5% FWBCB or 2.5% ebates CB, plus 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used, net $489)
Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR($26/yr operating estimate)
Item #: 362073 | Model #: WDT790SLYM Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR

Lowe's exclusive feature - easily adjust the upper rack 2" up or down to fit larger items in either rack without sacrificing usable space
The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher uses nearly half the water and energy without compromising performance
The industry-exclusive Eco Dry option uses 70% less energy compared to using Heated Dry
AnyWare Plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cyce to clean tough soils
The Top Rack Wash option saves you time and energy by washing dishes in the top rack
Designed, engineered, and assembled in the USA


I bought both, for store pickup, and will decide after looking at them which to keep. Used my Amex Gold card, too, adding a 1-year warranty extension. Like the great price for the first one, BUT, the extra features on the second one probably are worth it.

Would welcome FatWallet community feedback!!

Appliance Deals

Lowe's Coupons
g: 0 Posted By: AnAceBuyer
Views: 154 Replies: 0 Just in time for Thanksgiving!!! Been shopping, and unit of this quality are RARELY below $500.

Through Tuesday only, 10/15 at Lowes.com (15 setting capacity, too?)

Cheapest deal, great features, price, and ratings
linky1 (can get 1.5% FWBCB or 2.5% ebates CB, plue 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used: net $404!)
$449 price in card (vs $599 list) Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR
Item #: 362071 | Model #: WDT710PAYMWhirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR ($26/yr operating estimate)

The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher - uses nearly 1/2 the water and energy without compromising performance
Sani Rinse option sanitizes dishes by eliminating 99.999% of food soil bacteria, as certified by NSF International
AnyWare plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cycle to clean tough soils
The top rack wash option saves you time and energy by washing dishes in the top rack
Manually raise or lower the upper rack to better fit tall or odd-shaped items in either rack
Designed, engineered, and assembled in the USA


Deal 2:
If you "HAVE" to have the best, and a stainless tub, and quieter (51db vs 55db above)
$539 price in cart(vs $799 "list")linky2(can get 1.5% FWBCB or 2.5% ebates CB, plue 5% discount w/Lowes card OR 10% if you grab a post office moving discount card, which I used, net $489)
Whirlpool Gold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR($26/yr operating estimate)
Item #: 362073 | Model #: WDT790SLYMGold 24" Built-In Dishwasher (Stainless Steel) ENERGY STAR

Lowe's exclusive feature - easily adjust the upper rack 2" up or down to fit larger items in either rack without sacrificing usable space
The Sensor cycle automatically selects the right wash and dry settings for your load and cleans tough soils 35% better
Highly energy-efficient dishwasher uses nearly half the water and energy without compromising performance
The industry-exclusive Eco Dry option uses 70% less energy compared to using Heated Dry
AnyWare Plus silverware basket can be placed on the front of the rack, in the door or use it in the bottom rack for 100% usable rack space
The industry-exclusive Overnight cycle quietly soaks your dishes with an extended prewash and then runs a Heavy Wash cyce to clean tough soils
The Top Rack Wash option saves you time and energy by washing dishes in the top rack
Designed, engineered, and assembled in the USA


I bought both, for store pickup, and will decide after looking at them which to keep. Used my Amex Gold card, too, adding a 1-year warranty extension. Like the great price for the first one, BUT, the extra features on the second one probably are worth it.

Would welcome FatWallet community feedback!!

Appliance Deals

Lowe's Coupons
Some Free Kindle Books - updated 10/13
Added on : Sunday October 13th 2013 05:00:08 AM
g: 7 Posted By: remick
Views: 1246 Replies: 3 Free Kindle Books at the time of posting. I may be adding to these later in the day


John Brown Illustrated [Kindle Edition
http://www.amazon.com/John-Brown-Illustrated-ebook/dp/B00FAQFF4K

John Brown was a driven man on a mission to abolish slavery. On October 16, 1859, he commanded twenty-one volunteer soldiers of black and white skin color on a raid of the United States Armory and Arsenal at Harpers Ferry.

Yellow Green Beret Volume III: Stories of an Asian-American Stumbling Around U.S. Army Special Forces (Yellow Green Beret : Stories of an Asian-American Stumbling Around U.S. Army Special Forces) [Kindle Edition
]http://www.amazon.com/dp/B009BA1UJK

As the final tome in the three-part series depicting the off-color and unusual stories that highlighted Chester Wongs uncharacteristic career as a detachment commander in the U.S. Army Special Forces, Yellow Green Beret: Volume III is a considerably more serious account almost devoid of the trademark goofy and comical stories that were speckled amongst the first two books. In many ways, Yellow Green Beret: Volume III is a true and honest revelation regarding the darkest sides of Chester Wongs path and experiences as an unsure West Point cadet on his way becoming a leader in one of wartime Americas most elite and cutting edge counterterrorist forces. Truly the final pillar in the house called Wong, Yellow Green Beret: Volume III leaves no stone unturned in piecing together the coming-of-age journey of an unusual Asian-American young man.


In the Beginning Was the Logos [Kindle Edition]
http://www.amazon.com/dp/B00BQ3HKEE

Who is the Logos? Men brawled in bars and beat each other to death in the streets over this question, a controversy which came to a head at the Council of Nicea. There a fringe group of peace-loving, communal worshipers of a crucified Palestinian prophet took over the Roman empire and begin an odyssey that would transform the world as we know it.
In this information age, rumors fly about the Council of Nicea. From fictions spread by noted university professors to the _Da Vinci Code_, and even to the Glenn Beck show, everyone counts himself an expert on the most significant transformation of Christianity in history.
Paul Pavao, webmaster of Christian History for Everyman, not only tells you the story of the most world-changing century of Christianity since the apostles, He puts the original sources in your hand, letting you read the words of the participants in the council and in the battles that preceded and followed the council itself. You'll never wonder again what really happened at the Council of Nicea.
Was the Emperor Constantine a Christian or a worshiper of Apollo, out to mold Christianity into pagan hybrid?
Was the Trinity invented at Nicea?
Were the books of the Bible decided upon at the Council of Nicea?
You'll not only know the answers to all these questions, you will relive the events of it in the words of the early Christians. No other century has influenced Christianity, and possible the whole western world, like the fourth. You will understand why. You will understand the issues, and maybe, just maybe, you will even begin to care about them.


The Kings of Mauretania (The Forgotten Civilisations of Africa) [Kindle Edition]
http://www.amazon.com/Mauretania-Forgotten-Civilisations-Africa-ebook/dp/B007Q2GW4S

The Kingdom of Numidia was the most powerful autochthonous civilisation in North Africa until Rome set foot on the African soil. Numidia became even too powerful for its own good and Rome (that just got rid of its rival Carthage) did not intend to let a new rival develop in its vicinity.
Rome fought many times against the Numidian kings and at some stage they managed to occupy completely their lands.
After that Numidia disappeared completely from the maps but the neighbouring kingdom of Mauretania survived and grew in power and in importance. Mauretania and Rome co-existed in peace for a while but at some stage, the Romans, decided to expand further in Africa and moved towards Mauretania.
This book will deal with this other great civilisation (too little known too) that existed more than 2000 years ago.


Heroes of the Light Brigade [Kindle Edition]
http://www.amazon.com/Heroes-Light-Brigade-ebook/dp/B0096ORTVO

With information drawn from eyewitness accounts and official documentation such as soldiers' service papers and census returns, this extensively researched publication provides biographical tributes to 30 soldiers who rode in The Charge of the Light Brigade, giving a valuable insight into the kind of men who took part


Local Heroes: Boer War VCs [Kindle Edition]
http://www.amazon.com/Local-Heroes-Boer-War-ebook/dp/B0096U46ZA

With information drawn from official documents this extensively researched book provides biographical tributes and accounts of the deeds of a selection of men who were awarded the Victoria Cross for action during the Boer War of 1899-1902. With a summary of the conflict, a chronological roll of all 78 Boer War VCs and a useful bibliography for further reading.


Gallantry Awards at Rorke's Drift [Kindle Edition]
http://www.amazon.com/Gallantry-Awards-Rorkes-Drift-ebook/dp/B00FA61RGA

Extensively researched over four decades, this publication provides biographical tributes and accounts of the deeds of the sixteen men who were awarded gallantry medals during the defence of Rorke's Drift; the battle made famous in the motion picture 'ZULU!' With a useful bibliography for further reading.



Cake Making Made Easy - Instructions and 60 Cakes [Kindle Edition]
http://www.amazon.com/Cake-Making-Made-Easy-ebook/dp/B009NNL1UI

This book was written primarily for the cake maker who has always relied on a cake mix for special occasions rather than dive into the adventure of making a cake from scratch


The Craft Beer Kitchen [Kindle Edition]
http://www.amazon.com/The-Craft-Beer-Kitchen-ebook/dp/B00EZV3HX2

Cooper Brunk is an accomplished, classically trained chef with a passion for craft beer. In this book he combines subtle flavors from malts and hops to create balanced dishes that will certainly impress family and friends. No beer brats, chili, or sloppy Joes here! These dishes are made for the table not the tailgate. So pop the top on one of your favorites and start cooking. We all know that if it's good enough to drink, it's good enough to cook with!


Candy Making Made Easy - Instructions and 17 Starter Recipes [Kindle Edition]
http://www.amazon.com/dp/B008YKG4Y4


Sauce Recipes - 50 Tasty Choices (Mama's Legacy Series) [Kindle Edition]
http://www.amazon.com/dp/B008MEI3LO



The Handy Little Guide to Farting [Kindle Edition]
http://www.amazon.com/Handy-Little-Guide-Farting-ebook/dp/B00EXBWNS4

#1 in Kindle Store > Kindle eBooks > Education & Reference > Studying & Workbooks
#2 in Kindle Store > Kindle eBooks > Education & Reference > Test Preparation


Books & Magazines Deals
g: 0 Posted By: majorchamp
Views: 2 Replies: 0 So I am trying to decide which rewards CC to go with. My wife and I don't travel..and though a vacation is in the future, I don't feel a rewards based travel card is necessary. Cash Back and/or points would be ideal.

The QuickerSilver 1.5% Cash Back unlimited sounds very promising. The AMEX Preferred with 6% toward groceries, 3% toward gas, etc.. sounds promising as well, but seems to have limitations. Here are my questions.

My monthly bills come out to roughly $350 gas, $600-800 groceries (includes Kroger grocery, CVS pharmacy). We don't do much "shopping" like department stores.

Also, when I pay my verizon bill, gas bill, water bill, and general expenses with a Cash Back card like those mentioned, do I earn still 1.5%?

Thanks
Credit Deals
Sale of rental property which was primary home
Added on : Thursday October 10th 2013 10:00:07 AM
g: 0 Posted By: nileshd
Views: 82 Replies: 0 Hi,

I'm considering selling my rental property before I hit 2 out of last 5 years test. I had purchased 2nd property on Nov-25-2010, meaning escrow was closed on that day and I got keys for the 2nd house. It needed some work, so after renovation we moved into this 2nd house ( new primary ) on Jan-7-2011.

Now I'm reaching my 2 out of last 5 years use as primary home on 1st home. I've a possible buyer and we are working on it. Buyer needs some more time and it may not be possible to close before Nov-25.
My question is, for the test of "2 out of last 5 years " which date does IRS looks at ? Closing of the new home loan or Use of the old house ?

If its 1st option, then it is not worthwhile for me to take the risk. if it's 2nd then I can give him some more time.
Everything I read so far, seems like "Use" is important, hence 2nd option. However it is still grey area for me to decide.
So, Looking for an answer/help....
Thanks,

Real Estate Deals
HP G7 2250 nr 17.3" laptop $229 @ Radio Shack clearance
Added on : Wednesday October 09th 2013 11:00:02 AM
g: 0 Posted By: anokato
Views: 20 Replies: 0 Bought a HP G7 2250nr laptop about 3 weeks ago when Radio Shack first had these on clearance for $279. Was on the fence about keeping it and didn't even open it up but decided to return it. When doing the return , I asked them to scan it and it came up $229. I bought it right back on spot for $229 and saved $50. So for those of you that can find one or bought one @ 279 and are within the return period you may try to get the $50 price difference.
Laptops Deals

RadioShack Coupons
g: 5 Posted By: Logan71
Views: 259 Replies: 1 It's a SIG. It's under $400. I'll let each of you decide if there's value in this deal.

Description:
The P290 Laser Sub-Compact 9mm, the most innovative and versatile polymer pistol. Designed to be the ultimate in conceal carry. This unique 9mm pistol is the perfect small defense handgun that meets the demands of today's law enforcement professionals as a backup duty gun, and responsible citizens as a conceal carry gun. This version comes complete with a integrated laser module. The removable grip plates allow for customization with aluminum, wood, and polymer and can be engraved with your initials for a true customized pistol.

Link


Guns & Ammo Deals
Dropping Health Insurance. Options to Minimize Risk.
Added on : Monday October 07th 2013 05:00:18 AM
g: 0 Posted By: Bizatch
Views: 0 Replies: 0 Background:

We're a family of 4, earn a decent income, so no subsidies/welfare for us.
Our health care has been a HDHP with an HSA. $10k deductible. Blue Cross. Premiums average $325/month.
In 2014, our lowest cost insurance option is $747 month, with a $11k deductible.
Since we're a healthy family (typical health care expenses of under $1k a year), we will be going without health insurance starting Jan 1st of 2014.
We have $20k already in the HSA, so we can cover a good portion of unexpected health care expenses. If we start putting that $747/mo premium into our own back account, we'll quickly grow a large emergency fund.

I'd like this thread to be about ways to reduce our risk, by using other insurance options, that hopefully come at a small premium expense.

Here Is Our First Step:
My first thought was auto accidents. That is our most likely cause of a major health care expense. Typical auto insurance comes with a $5k 'Medical Payments' coverage. Meaning, have an accident and your auto insurance will cover $5k in medical costs. That's usually enough to cover health insurance deductibles. Since we won't have health insurance next year, I called to inquire about raising this coverage. I was told that I could raise our policy to $100k, per person, per accident, no fault coverage, for a grand total of $13.54 for the YEAR. I was going to start this coverage on Jan 1st but decided to make it take immediate effect. This is very cheap insurance in my opinion.

Other ideas for other coverage? Anyone have experience with someone like Aflac? Insurance where you get a cash payout when you develop a specific disease like heart attacks or cancer?

6pk Mens Seamless Athletic Compression Boxer Briefs. $12. F/S
Added on : Friday October 04th 2013 10:00:05 AM
g: 0 Posted By: jigsaw1975
Views: 248 Replies: 1 One size fits all. $2 per underwear. Not too bad of a deal. Hopefully balls dont get itchy.
Buy here

Product Description:
Boxers or briefs? You no longer have to decide! With the set of 6 Mens Striped Seamless Microfiber Boxer Briefs, you can have the best of both worlds.

Enjoy the comfort and coverage of a boxer with the support of a brief. In brief, boxer briefs beat boxers and briefs! You no longer have to decide between quality and value either. Get 6 pairs of Mens Boxer Briefs at 1 amazing price.

6 Pack of Mens Striped Seamless Microfiber Boxer Briefs;
Colors included in each order are (2) black, white, red, dark blue, and grey;
One size fits most (size medium-XL);
Seamless design makes them comfortable and soft;
Measurements: One size fits most (Medium-XL, Approx. 33-42);
Clothing Deals

Newegg Coupons
Planning holiday in Southest Asia
Added on : Thursday October 03rd 2013 11:00:05 PM
g: 0 Posted By: tristantgo
Views: 3 Replies: 0 Hi there,
My girlfriend and I are planning our "big" trip to Southeast Asia. My girlfriend is keen on seeing beautiful landscape and cultural site (such as Angkor Temples, we decided it is our must-see this time). We have seen many travel forums and magazine to decide where to go. Now we are quite interested in Cambodia, Vietnam, Burma (people are talking about this country a lot). We would like to explore Thailand as well but it's depend on how long it takes to travel through the other countries. We have about 3 weeks, is it enough?
We havent decided which country country we arrive first yet, any suggestion?
Tristant
Question Deals
g: 0 Posted By: elcharley1
Views: 100 Replies: 2 We have been looking for our first home for a while and finally found one that is for sale by owner - not on any MLS. The house needs some repairs and we want to have an expert with us to go through the home tell us what needs to be fixed, approx costs, etc, and also what they'd estimate the value to be currently and once it is rehabbed. This is our first house purchase, hence the need for expertise.

However, we don't want to worry about a buyer's agent who is also a RE investor to decide it IS a great deal and quickly submit a cash offer and undercut our negotiations. Since normally the buyer's agent is paid when we purchase a home and the seller pays them, in this case would we pay them a fee up front, so that there is a legal contract between us and the buyers agent, and then if we purchase the home then we pay a % to them directly? The sellers would not be willing to pay the buyers agent a commission, so it would either be a fixed fee commission or something else.

Any advice is most appreciated.
Personal Finance Deals
Western Union no fee WU Pay money transfer - What's the catch?
Added on : Thursday October 03rd 2013 07:00:08 AM
g: 0 Posted By: Need
Views: 141 Replies: 2 I have been using Western Union every month to transfer money to Russia. Usually I would go to Ralphs and pay $15.xx for $1000 transfer. So this month I decided to look up WU online to see if there is a way for me to do it from home. And from what I could tell, there is NO fee if I transfer online using my bank's bill pay. I just request the transfer online, and then do a Bill Pay from my bank to WUPay. And there is $0 fee. So what's the catch? What kind of voodoo is this? Has this always been there? How do they make money with no fee at all??
General Economics Deals
g: 0 Posted By: avash
Views: 310 Replies: 0 Home Depot is running a promo until end of October, where they're including a bonus 4Ah battery for free (regularly $119 by itself) with either their RIDGID X4 5-piece kit ($499) or hammer kit ($279).
Don't forget 3% Cash Back

The RIDGID X4 5-piece kit ($499) with bonus 4Ah batteryModel R9651-AC840087 (Link)comes with:

R8611501X4 Hammer Drill (1/2" chuck, selector to switch between hammer/drill/drive)
TwoAC840083standard 3Ah 18V Hyper Li-Ion battery
AC840093dual chemistry charger (compatible with all 9.6V - 18V Ridgid slide pack batteries, Ni-Cad or Li-Ion)
bonusAC840087 4Ah 18V Hyper Li-ion battery
R8651circular saw (6-1/2" blade)
R86034impact driver (1/4" hex)
R8641reciprocating saw (with dial for orbital/normal)
R8691LED work light


If you don't care for all the circular saw, impact driver, reciprocating saw or LED work light and just want the hammer drill kit and bonus battery for $279:
The RIDGID X4 hammer drill combo with bonus 4Ah battery ModelR8611501K-AC840087 (Link)comes with:

R8611501X4 Hammer Drill (1/2" chuck, selector to switch between hammer/drill/drive)
TwoAC840083standard 3Ah 18V Hyper Li-Ion battery
AC840093dual chemistry charger (compatible with all 9.6V - 18V Ridgid slide pack batteries, Ni-Cad or Li-Ion)
bonusAC840087 4Ah 18V Hyper Li-ion battery



Why is this hot?
1) The combo prices are regular but you get a bonus 4Ah battery which HD normally sells for $119. So basically, you're getting a free extended battery.
2) The Lifetime Service Agreement warranties ALL batteries in the combo for life, including the bonus 4Ah battery.


Ridgid offers a free Lifetime Service Agreement (LSA) to the original owner if registered within 90 days, and the coversnormal wear items such as brushes, chucks, motors, switches, gears and batteries within the combo. However, standalone batteries purchased outside of a combo are not covered for life. Purchasing one of these combos nets you an extra extended 4Ah battery in addition to the two existing standard 3Ah batteries.There are no other combos that offer that many "larger capacity" batteries.

Ridgid also has other cheaper X4 combos previously discussed on FWsuch as theRIDGID 18-Volt X4 Hyper Lithium-Ion Drill Driver and Impact Driver Combo Kit (2-Tool) for $189 (Link)or RIDGID 18-Volt X4 Hyper Lithium-Ion Cordless Drill and Impact Driver Combo Kit (3-Tool) with Radio for $199(Link)but both these kits only come with two compact 1.5Ah batteries AC840085.

IMO, these cheaper < $200 combos would be fine if you don't need/want a hammer drill or any of the tools and don't expect to expand your 18V cordless lineup to more power hungry tools where the those compact 1.5Ah batteries will run out of juice quicker.I was originally going to go with the $189 combo (which has a faster charger vs the $199 combo which has an extra radio) but decided that the compact 1.5Ah batteries would be a hindrance since that is my biggest problem with my current cordless drill always running out of juice halfway through a project.

Not to mention the fact that I really wanted a reciprocating saw. I was on the fence on whether I needed a hammer drill as I don't deal with concrete much but after renting one for $20 last week to drill 4 holes in concrete, I decided it might prove useful "just to have".
I didn't expect the circular saw to be decent but got a chance to play with an open box kit at Home Depot and was surprised at how nice they felt, also the circular saw had awesome "kick" which I've never felt with my Ryobi One+ 18V circular saw on Ni-Cad batteries that always struggled to handle anything I threw at it, so I always resorted to my trusty Porter cable corded circular saw.
RIDGID also has some nice Jobmax 18V and other bare tools which generally run around $100/ea and are all covered under LSA, so it can help me expand my tool lineup and utilize my three decently sized lifetime-warrantied batteries I got with the combo kit.

I've spent some times revading through various X4 reviews and they generally seem favorable, with some complaints on the < $200 kit not having decent battery life to do some jobs (what to expect with 1.5Ah compact batteries?!!). I found a review that seems rather "glowy" but I thought I'd post it anyways since it has decent pics of the kit in use:Glowy review ... hmmmm.

My local HD store told me that there's an authorized RIDGID service center within 5 miles of me, so I don't have to worry about shipping anything in for service ... just drop it off and pick it up, so hopefully warranty through LSA will be a breeze. I've read mixed reviews about warranty service, especially if you have to ship it in but I think that is with just about anything (car dealerships, repair centers, etc).
Tools Deals

Home Depot Coupons
g: 0 Posted By: fantasma62
Views: 281 Replies: 6 HI Folks,

I am looking to make changes at home and decided to change my alarm system from wired to wireless. My system is almost 15 years old and is failing in certain areas. Also, I am going to change monitoring service. Paying ADT $43 per month is just not acceptable.

So, as I looked around, I found out that Honeywell is very good in alarm systems (I own a wifi thermostat and it works very well) The alarm./whole home system can be controlled via your phone or tablet. You can say that this is a system for a geek. Here are the specs.

It is very important to stress that if you would like to use anything else rather than just the alarm, you will need to have a monitoring service to activate the whole home system. Also, the system does not come with the wifi module or the Z Wave controller, which is the one that allows you to control the whole home. These sell separtately, but I had read many comments that in some cases, the unit is coming with the Z Wave controller already installed. I just bought mine today and I am hoping this is the case.

Either way, not sure if anyone would consider this a hot deal, but I did, and I bought it...

This control panel is in Amazon right now for$199.95when last week it was selling for $212.95. Also, I read yesterday that some of the systems are
Home & Garden Deals

Amazon Coupons
US Bank Flexperks not filling redemption requests?
Added on : Tuesday October 01st 2013 05:00:08 AM
g: 0 Posted By: waldvogelmj
Views: 103 Replies: 2 So I decided to take a trip this weekend and went to the US Bank Flexperks website to redeem the points I earned and the website says down for maintenance. I called and they told me they can't redeem points over the phone because they're doing a systems upgrade that will take a week and extend past my travel dates. They're basically telling me I can't redeem the points I earned. I realize US Bank is a lesser tier bank, but can they do this? What recourse do I have to redeem the points I earned?

I read an article recently that US Bank ranks at the bottom of some recent customer survey. I'm thinking I file a complaint with the Wisconsin attorney general just to harass them.
General Economics Deals
Free 30 day trail of Cialis (for Erectile Dysfunction)
Added on : Monday September 30th 2013 08:00:04 AM
g: 0 Posted By: ChiefBrody
Views: 25 Replies: 0 Not that I need it er um...But this stuff is like $150 without insurance. Must take voucher to doctor. He writes script. You take voucher and script to pharmacy.

BaBaBlinko

The CIALIS Promise=0.8emTMProgramWith the Promise Program, men with erectile dysfunction (ED) and men with both ED and the symptoms of benign prostatic hyperplasia (BPH) can try 1 month's supply (30 tablets) of CIALIS for daily use (2.5 mg or 5 mg) for FREE. Or, since CIALIS for use as needed (5 mg, 10 mg, 20 mg) is also indicated for the treatment of ED, men with ED can try 3 tablets of 36-hour CIALIS*=0.8emfor use as needed (10 mg or 20 mg) for FREE. Remember, only you and your healthcare provider can decide if CIALIS is right for you.First, download your voucher. You and your doctor can choose between a 30-day, 30-tablet free trial of CIALIS for daily use (2.5 mg or 5 mg) or a 3-tablet free trial of 36-hour CIALIS for use as needed (10 mg or 20 mg). It's a FREE TRIAL, so there's absolutely no cost to you. And with CIALIS, you can be more confident in your ability to be ready when the moment is right.* Remember, you can take advantage of only 1 CIALIS Promise Program FREE TRIAL voucher every 12 months.
* Individual results may vary. Not studied for multiple attempts per dose. =0.8em In clinical trials, 36-hour CIALIS taken as needed was shown to improve, up to 36 hours after dosing, the ability of men with ED to have a single successful intercourse attempt.
If you use this offer to try CIALIS and you and your healthcare provider decide it's not the right ED treatment for you, we promise to pay for another CIALIS option or 3 tablets of another prescription ED medication of your choice, as prescribed by your healthcare provider. Offer applies to ED medications only, not other BPH treatments. If you are taking CIALIS for daily use to treat only your BPH symptoms, you are not eligible for a second trial of an alternative ED treatment.
Greentoe.com Offers $20 rebate off your first purchase (email required)
Added on : Sunday September 29th 2013 09:00:06 PM
g: 0 Posted By: icantiwont
Views: 134 Replies: 0 Like many of you when I first heard about his website I was like....Green what? For the record, I am in no way, shape, or form affiliated with this website and I have not yet used them to make a purchase. I heard about it on the news this morning. Here is the News Link It will explain how it works. Essentially, you make an offer on a product and a vendor decides whether to accept your offer or not. Unlike, eBay you are not bidding against others. Right now, if you sign up for their newsletter they will send you a code for a $20 rebate off your first purchase.


Home & Garden Deals
Targeted quarterly bonuses for Bank of America credit cards
Added on : Saturday September 28th 2013 07:00:05 PM
g: 0 Posted By: billrubin
Views: 0 Replies: 0 Since the old threadgot archived, I've decided to start a new one. Bank of America offers targeted quarterly bonuses for their credit cards. You're supposed to get something in the mail (and maybe via email), but it's been posted previously that you can go to https://easyrewards.bankofamerica.com/Default.aspxto find what your offer is. Just say you do not have a code and you can enter your last name, zip code and last 4 digits of the card number. If your card does not have an offer (as is the case for my 3-2-1 card), you'll get "Record not found".

FIA cards can check be checked here: https://easyrewards.fiacardservices.com/Default.aspx. I've never anything on my FIA Fidelity AMEX.

Please post what your offers are. I'll post mine separately after this to keep it out of the initial post.
Panasonic HC-V110 HD Camcorder - $131.99 at Best Buy B&M - YMMV
Added on : Saturday September 28th 2013 06:00:03 PM
g: 0 Posted By: zapdaddy
Views: 247 Replies: 0 Howdy all:
I was at Best Buy tonight and was just poking around when I ran across a pretty good deal. The Panasonic HC-V110 camcorder (4 1/2 stars on Amazon) was on sale for $131.99. Since I needed a cheap camcorder, I decided to go ahead and pick it up. It is coming up as $168.99 on BB's site, thus YMMV. It was listed on my receipt as 'Clearance'. I hope this can help someone out!

zapdaddy

Camcorders Deals

Best Buy Coupons
g: 0 Posted By: scottxmso
Views: 131 Replies: 0 I have a credit card with CapitalOne, which was recently converted from a HSBC/Orchard Bank card. Although Orchard Bank mostly catered to subprime customers (low CLs, high fees, etc), I had a no annual fee card with 2% CashBack. I used the card pretty regularly because of the 2% CashBack rate, which CapOne recently reduced to 1.5%.

Anyway, Orchard was really conservative about credit line increases. I've had the card since 2007 and my CL has risen to $1500 over time from my original $500 CL, whereas I have several other cards with $5000+ CLs up to $14000 (including another CapitalOne card). My account was in good standing, regularly used the card, always paid the bills, and so on. I think the Orchard cards like mine that had no annual fees and 2% CashBack were mostly offered to customers with relatively decent credit, whereas the high-risk customers had to pay a fee to open the account and an annual fee. When CapitalOne was converting the accounts, I was hoping that it would be easier to get a CL. Tried once a little while after getting my new card, but this was rejected because supposedly they weren't doing CLs during the HSBC->CapOne transition.

Then I decided to try again a couple days ago, and put in a CLI request. Unfortunately, they rejected the request again; the letter states the reason it was declined was: "Credit line increases are not available upon request for this type of account". Has anyone else encountered this issue? What "type of account" is not eligible for CLI? Could it be something to do with it being a former Orchard account? I could see them labeling every account in the Orchard Bank portfolio as "subprime", and therefore being highly conservative with CLIs on these accounts.

Has anyone else had this issue with CapitalOne, especially with former HSBC cards? Is there a way to get CapitalOne to change the "type of account" so it is eligible for CLI? And as I have another CapitalOne card with $7000 CL, might it be possible to transfer CL from that card to the former Orchard card with $1500 CL currently?

Thanks!
Credit Deals
Business Checking - HSBC retrenched, Need recommendation
Added on : Saturday September 28th 2013 07:00:05 AM
g: 0 Posted By: Bulldawg
Views: 0 Replies: 0 Today HSBC has decided to end a 5-yr relationship with us. This was our "secondary" business checking account. Hence, the hunt for a new business checking .

Here's our specific requirements for a new business checking product:

Solid Online / Mobile banking ability (we deposit all checks via mobile scans)
Bank to Bank transfers - ACH / online - fast? Daily/monthly limits (min $10k/day and min $50K/month) and transfer fees (Free)
Maintenance Requirements - monthly fee (Free or Low!) / Balance requirements (less than $5k / day)
Incoming wire transfer fees - Domestic / International - Free or no more than $15/transfer. Also very important to have a direct SWIFT code for incoming wire transfers. Cannot use a bank which has intermediaries associated for incoming wires.
Outgoing wire transfer fees - not much of an issue but lower the better.

So far I have called Citibank, PNC, Chase, BOA, WellsFargo and unfortunately none of them seem to have anything close to what we had with HSBC ! I wonder if the days of free business checking loaded with features are now over !!
Any recommendations or help / direction for research will be highly appreciated.
Should I take any recourse on a car dealer?
Added on : Wednesday September 25th 2013 05:00:18 AM
g: 0 Posted By: kubakj
Views: 154 Replies: 5 Over year ago I bought brand new car from a Lexus dealer. Car was new, inspected and no visible scratches whatsoever (of course they washed a car before my look at a car). I've decided to trade in recently and upon checking car history at lexus website in maintenance records I see 2 records of scratches reported on a day of a delivery of the car. I was of course not told about it and also in 'we owe' documents was nothing declared that car has any scratches/dents. This lowers value of my car as anyone who checks it says car has scratches/dents.

I feel like they cheated me and never mentioned anything, but left a trace in maintenance records.

Should I know about it I would renegotiate amount. Is there any recourse I could take against them? I don't use this dealer as they are too far from me.
Personal Finance Deals
Switch Job - Roll 401K
Added on : Tuesday September 24th 2013 08:00:09 AM
g: 0 Posted By: jojosung
Views: 99 Replies: 7 I'm trying to decide how I should deal with the 401K at my employer...

Should I roll it to a bank as IRA?
Should I roll it to the new company 401K?

What's the pro and cons in each of these two options?
Thanks
Jojosung
Personal Finance Deals
Recyclebank restricts gift card purchases
Added on : Saturday September 21st 2013 05:00:08 AM
g: 0 Posted By: kwg
Views: 28 Replies: 0 Recyclebank has added a new restriction:
Sorry, this reward is only available to members who participate in our Home Recycling program.

----

For Houstonians, this is a slap in the face since we were customers but now our points, which we earned as participants, are now impossible to get rid of.
Yeah, I know, always use "points" when you can....but Shell giftcards were the best deal - only available every 3 months.

Houston discontinued its association with Recyclebank a few weeks ago when Houston decided to expand recycling.

I'd love to find out how much cities pay Recyclebank each month. I'd also like to find out how much Houston makes on recycling each month.

Report to Insurance or Pay out of pocket
Added on : Friday September 20th 2013 04:00:13 AM
g: 0 Posted By: radiomessenger49
Views: 145 Replies: 2 My teenager was at fault in a minor accident at a stop sign, with some damage to the car in front of him. The other driver thought that the damage was small enough that they shouldnt report it to the insurance company and just get an estimate and pay out of pocket. The other driver sent us an estimate for approximately $300 from a local dealership.

Here is my question: should I, pay the estimate, ask for more estimates, report it to my insurance or ???? I would prefer at least two additional estimates to make sure that the cost is reasonable, but I dont want to upset the other driver because if they decide to report it to the insurance company I am sure that I will pay more than $300 in rate increases. Also, if I pay out of pocket, is there a boilerplate document that I could get the other driver to sign so they cant come back to me at a later date to get more money?

I should say that this happened in Michigan which is a no fault insurance state.
Personal Finance Deals
ALLCapture 3.0 for PC free today *9-19 @ bitsdujour
Added on : Thursday September 19th 2013 12:00:07 AM
g: 1 Posted By: HRMHRMHRMHRM
Views: 153 Replies: 0 Simple and Powerful Screen Recording / Video Creating Software!

http://www.bitsdujour.com/software/allcapture-30/src=day

Offering quick and easy one-click efficacy, ALLCapture 3.0 supports partial-screen, full-screen, multi-screen, and even overlapping window recording. Based on an intuitive, time-line based interface, ALLCapture's built in audio and video editor lets you undo, redo, preview, copy and paste as well as animate, add transitions, text bubbles, music, and WAV files.

ALLCapture 3.0 can export most major playback file types including: Flash (SWF), Windows Media Player (ASF), MPEG for DVD, SVCD, VCD or without resolution adaptation and Executable (EXE). And ALLCapture 3.0 incorporates its own compression technology to produce small-sized videos ideal for internet and email use.


Who is it for?
AllCapture is designed for users who want to quickly create screen capture videos for training or other communication, especially if there is a need for annotation and other enhancements to the raw capture.

What problem does it solve?
AllCapture incorporates screen capture recording with the ability to annotate and apply special effects all into one relatively familiar interface.

Features
Recording: The screen capture process could not be simpler. The user decides the screen size and clicks the record button. AllCapture follows every move of the mouse and every click of a button.
Annotation: Once your screen capture is complete you can add annotations to the video such as chat balloons, highlights, animations, images, and sound using the simple tools provided in the timeline editor.
Exporting: Your annotated screen capture can be exported into several different formats: Flash animation, Windows Media Player file, MPEG Video, and a playable executable file.



Software Deals
Mountain Hardwear Lamina 20 Sleeping Bag $99.95 + Free shipping
Added on : Wednesday September 18th 2013 06:00:04 AM
g: 0 Posted By: tedhawkins
Views: 230 Replies: 0 Mountain Hardwear Lamina 20 Sleeping Bag $99.95 + Free shipping

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

In 1993, a small group of people who had weathered years in the outdoor industry decided to get together and form Mountain Hardwear. In addition to working in the outdoor industry, the Mountain Hardwear founders were avid outdoors people themselves Mountain Hardwear has always focused on bringing radical thinking to the gear they make. That's why they have a section in our website that talks about the innovation they've built into their products. The Lamina 20 is an excellent choice for damp, cold conditions. Welded layer construction maintains loft in the bag through repeated washings and compression cycles. This comfortable, roomy, mummy cut bag is insulated with ThermicMicro fill. Face gasket and Ergo Draft Collar work together to seal in warmth.
Camping Deals
U.S. District Court Violation Notice (Ticket)
Added on : Monday September 16th 2013 01:00:07 PM
g: 0 Posted By: trekwars2000
Views: 129 Replies: 5 So I'm driving on Beale AFB northeast of Sacramento yesterday and I get pulled over for doing a "very slow roll" through a stop sign. It is complete BS because I had 3 other coworkers in the car, a comment was made about a cop sitting on a 4 way stop corner and I came to a complete stop, looked both ways and went. Regardless, a Senior Airmen who didn't have much of a clue what she was doing wrote me a ticket. She had to "call for backup" and it took well over 40 minutes to write the ticket. Fine is $40, plus a processing fee of $25. I assume the correct answer is to pay it and forget about it, but I'm curious what the actual implications of the ticket are. Can points be assessed on my licence in NV? The ticket was such effing BS.

Where do I go to court to try to reduce the violation (to non-moving no points, perhaps). I'm more worried about the possible impact to my insurance than the effing fine. I'm in the 9th district and this was written near Sacramento, does it get assigned to a court up there or down by my house (Vegas)?

Also, on a side note the fine goes up by a few dollars if I decide to contest the violation and am found guilty anyway. Guilty until proven innocent and even more of an incentive for it to stay that way?

(Sorry still steaming from this BS).
Personal Finance Deals
$10 Off Waterpik Ultra Witn Manufacturer B&M Coupon For USA & Canada
Added on : Saturday September 14th 2013 06:00:04 PM
g: 0 Posted By: fivetalents
Views: 116 Replies: 1 Waterpik has a $10 in-store manufacturer coupon for the Waterpik Ultra that doesn't expire until 01-31-2014. They usually only offer $5 off coupons for this model, $10 off is rare. Since the coupon expires 4 months from today, there is plenty of time to shop around and consider your best options... even if you want to wait to see if there are any price drops between Black Friday and Christmas.

I initially thought that this would be good to use at Bed Bath ab Bey0nd to stack with their 20% off one item store coupon, but they do not currently carry the Ultra and do not plan to restock it. BB&B does have the newer/upgraded Platinum model for $60 but this coupon probably would not work with that if the box does not say ultra, but I can't find a picture of the box online. Also, the coupon states only one coupon per item, but does not specify whether this means more than manufacturer coupon or manufacturer + store coupon. OTOH, the coupon says "Colors and product offering may vary by model," and the "Ultra" (WP-100) only comes in blue, so they could be referring to the grey Platinum model.

Anyway...
- WaImart has the Ultra for $45 or $35 AC. This coupon seems to comply with their terms.
- K0hl's has the Ultra for $69.99. If you have a store credit card, you can get 30% off + $10 K0hl's cash on every $50 during the recurring promotion. That would be $49 - $10 = $39 + $10 K0hl's cash. However, it is up to the manager's discretion of each store to decide if they take manufacturer coupons.

Those are the best deals I can find right now, but as I noted above, there are likely to be some decent sale prices during the holiday season, so it may be worth biding your time if you don't need one now. I'm hoping that BB&B accepts both coupons since the Platinum is a nice upgrade and would only be $38 or $40, depending on which coupon they let you apply first.

Exclusions:
- Colors and product offering may vary by model. Waterpik" is a registered trademark of Water Pik, Inc. All other trademarks refer to their respective companies.
- CONDITIONS: Offer limited to one (1) product per person. Cannot be used with any other offer. Valid for retail purchases only, no internet purchases. Offer good on purchases made from 9/1/13 through 1/31/14. Void where prohibited by law. LIMIT ONE COUPON PER ITEM PURCHASED.
Health Deals
g: 1 Posted By: archena
Views: 1466 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Teaching Kids to Be Good People: Progressive Parenting for the 21st Century [Kindle Edition] was $9.99

Annie Fox (Author)

http://www.amazon.com/dp/B009P5JEZS

Publication Date: October 3, 2012

Publisher: Electric Eggplant

38 Reviews ★★★★★

#1 inKindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Child Care

Not all teachers are parents, but all parents are teachers. When we teach kids to be good people who possess the social courage to do the right thing, we help to make the world a safer, saner, more accepting place for all of us. Annie Fox, M.Ed.

We live in a time shaped by a viral culture of cruelty. Now and in the future, we desperately need more good people. But where will these young people come from? From the homes of parents with a game plan! In Teaching Kids to Be Good People, Annie Fox has written a very personal, step-by-step guide to teaching your children to make healthy choices (online and off). Because being good is not enough. We have to do good.

This very pragmatic and funny guide includes essays, podcasts, prompts, tools, questions, answers, and self-assessment quizzes, all for the purpose of teaching kids to be good people. Hopefully, youll become so engaged in this process that you will inspire your children to do the right thing when no one's watching, and when everyone is watching.

About the Author

When Annie Fox's first book "People Are Like Lollipops" (Holiday House) was published, she wasn't old enough to legally sign the contract! By the time she turned 21, though, she decided that helping kids would be her life's work. After graduating from Cornell University with a degree in Human Development and Family Studies then completing her Master's in Education, she began exploring ways to use technology to entertain kids while building their emotional intelligence skills.In 1977, Annie and her husband David opened Marin Computer Center, the world's first public access microcomputer facility. Her work there led her to write her best selling book, "Armchair BASIC: An Absolute Beginner's Guide to Microcomputers and Programming in BASIC" (Osborn/McGraw-Hill). After a detour into the world of screen writing, Annie returned to computers as an award-winning writer/designer of children's CD-ROMs. (Putt-Putt; Madeline; Get Ready for School, Charlie Brown; and Mr. Potato Head Saves Veggie Valley are just a few of the titles on which she worked.)At the dawn of the Internet age, Annie dreamed up the idea for The InSite (TheInSite.org), a place "for teens and young adults to turn their world around." She is the creator, co-designer, writer, and executive producer of that award-winning site. One of The InSite's most popular features is Hey Terra, a Cyberspace Dear Abby. Annie's first book for teens, "The Teen Survival Guide to Dating & Relating: Real World Advice About Guys, Girls, Growing Up And Getting Along" (2000, 2005 Free Spirit Publishing), is based on hundreds of emails to Terra and Annie's responses to them. "Teen Survival Guide" is now available as a free PDF download from TeenSurvivalGuide.com."Are You My Friend?" a Read-it-to-Me iBook was written by Annie Fox, illustrated by Eli Noyes and produced by Electric Eggplant. This digital story book for 4-8 year olds is the first of the Raymond and Sheila Series and is now available in print form on Amazon, and as Android apps for Kindle Fire, Nook Tablet, and other Android tablets. The second Raymond and Sheila story "Are We Lost?" will be available in print in 2013. See RaymondAndSheila.com for more info.Annie's other books include: "Too Stressed to Think? A Teen Guide to Staying Sane When Life Makes You CRAZY," co-authored with Ruth Kirschner (Free Spirit Publishing) and the popular 3 book Middle School Confidential series (Free Spirit Publishing). Annie's Middle School Confidential apps (developed by Electric Eggplant) are available for iPad, iPhone, Kindle Fire, Nook Tablet, and other Android tablets (see MiddleSchoolConfidential.com).Through her conference appearances and public events for kids, tweens, teens, parents, and educators, Annie continues working toward her goal of empowering young people through increased emotional intelligence skills, social courage, and stress-reduction strategies. Her new book for parents and teachers, "Teaching Kids To Be Good People," is now available in print and for Kindle (see TeachingKidsToBeGoodPeople.com)Visit Annie at her website, AnnieFox.com
Follow Annie on Twitter: @Annie_Fox
Follow Annie on Facebook: http://www.facebook.com/Annie.Fox.author
Totally Free Deals
Ipad 2 Bluetooth Keyboard and Case $19.99 at OD
Added on : Thursday September 12th 2013 09:00:02 AM
g: 0 Posted By: forbin4040
Views: 0 Replies: 0 I don't know if it has been posted but Office Depot is running their 'mega sale' (Means clearance to me) and giving out a 'suprize' discount card for October

So I picked up this Ipad 2 or 3 Bluetooth case and keyboard for $19.99
http://www.officedepot.com/a/products/691607/Bluetooth-Tablet-Case-With-Keyboard-Black/

It's THICK (1.25"), and fairly well constructed however the keyboard is 'fair'. I like the Apple Keyboard better but this one works.

It's cheap so I decided to blow $20 on it.
Free 2014 Stossel In The Classroom DVD for Educators
Added on : Wednesday September 11th 2013 06:00:09 AM
g: 0 Posted By: remick
Views: 185 Replies: 0 http://www.stosselintheclassroom.org/freedvd/
Includes eight segments from John Stossel's television programs.College Tuition and Campus Luxuries
Product Liability Lawsuits: Who Gets Burned?
High Speed Rail: Boondocks & Boondoggles
Food Nannies: Who Decides What You Eat?
The Psychology Behind Political Campaigns
Totally Free Deals
Junk yard return rejected - what action to take?
Added on : Tuesday September 10th 2013 06:00:11 AM
g: 1 Posted By: andrey2506
Views: 269 Replies: 10 Hello there,

Need advice from more experienced forum members.

I was looking for a nice used allow wheel to replace one that was bend by previous owner. So, I purchased a used alloy wheel from a junk yard and did not inspect it carefully on site since it was covered with dust and dirt and I didn't want to get dirty (very stupid of me, I know!). It was advertised on their website as in "A" condition, but I noticed some dents and scratches on the front (that is when I should have walked away!), but I thought "not a big deal", since my other wheels are also slightly curb rashed. Now when I came back home and washed the wheel, I found pretty bad corrosion on the inside and some corrosion on the front on the wheel, yellow oxidation and paint peeling on the side/back edges. So, I decided to return the wheel.

The very next morning I come back and they do not accept my return stating their "25% restocking fee on all ACCEPTED returns" policy and, apparently, they do not "accept" the wheel back (although they just have to put it on the rack in the back room). Sounds deceiving to me, since this is effectively "no returns" policy that they do not disclose, but what do you think? Should I fight this someway or should I eat the $100 (since I don't want to put this corroded wheel on my nice Mazda)?

Short version: Bought used wheel, not inspected, found corrosion, tried to return - do not accept back for refund due to deceiving policy. Fight or eat the loss?
Personal Finance Deals
SELLER REFUSING TO RETURN HOUSE BUYER'S EARNEST DEPOSIT
Added on : Monday September 09th 2013 11:00:07 AM
g: -1 Posted By: eladbbennett
Views: 188 Replies: 7 Hello, I'm new to fat wallet and I'm not sure I'm submitting this properly but I'm hoping someone can help me with a real estate transaction problem.

I placed a contact on a housein August 2013on a townhouse in Northern Virginia. The contract specifically stated that it was contingent upon me obtaining financing. I placed a $2500 deposit. I was unable to obtain financing because of credit inquiries on my credit from earlier in the year on homes that I bid on and was outbid--Northern Virginia is a hot real estate market. Now the sellers are refusing to give me my $2,500 deposit back. They went to a lawyer who is stating that I caused the sellers irreparable financial harm.
The backstory is that I had previously bid on this same house and the sellers accepted my offer. After they accepted my first offer, they received an all-cash offer which they decided to go with. The all-cash offer fell through and the sellers came back to me to see if I was still interested. Thats when I placed a contract on the townhome. My realtor does not want me to go through the National Realtors Association because then it involves him.
I do not have the money to spend on a lawyer and what I do have I need for my house purchase. I feel that my realtor and the sellers realtor have a professional responsibility to resolve this issue. I did everything I was required to do including giving a Void of Contract notice based on my being unable to obtain financing. Is there a way I can 1) quickly resolve this issue and 2) not spend money on a lawyer? If I go to the National Realtors Association, what can it do to help me resolve this issue?
If the realtors association cannot help me, I was considering taking the sellers to small claims court. Since I have all my written back up documentation, I believe I should win. But then I would have to have to have a lien placed on the property. In my research I read that a Virginia lien would still be valid even if the property was sold. If I inform the sellers lawyer that this is what I intend to do and he sells the property to an unsuspecting buyer, it would hurt his reputation not to have disclosed this dispute and Im thinking that that would provide him some incentive to resolve this issue. Wasnt the sellers realtor required to hold the deposit check until I closed on the house?
Personal Finance Deals
What should I move long distance? Is a weight/value decision?
Added on : Monday September 09th 2013 06:00:09 AM
g: 0 Posted By: rpi1967
Views: 78 Replies: 0 Planning a long distance cross country move in the near future. Do not know how the moving companies charge? Is it by weight or the number of cartons. Is there a rule of thumb that Ican use to decide what to move and what to junk?
Is it cheaper to send some things by UPS or parcel post (seems to be about $2 per pound)?

General Economics Deals
Greenman gamming-PC Digital Download: Mass Effect Trilogy $11.84
Added on : Monday September 09th 2013 06:00:05 AM
g: 0 Posted By: lovelybones
Views: 165 Replies: 0 Linky
$11.84 With code: GMG20-8MUTY-M21VN
As Commander Shepard, rise to become the galaxys most elite soldier and lead an all-out war to stop an ancient and ruthless enemy: the Reapers. With over 75 hours of content and more than 300 awards, one of gamings most acclaimed franchises is available for the first time in a premium foiled box set.

Heart-pounding action meets gripping interactive storytelling where you decide how your unique story unfolds. Assemble and lead your team aboard the SSV Normandy, the most advanced ship in the galaxy, and travel to distant and unexplored star systems. On your journey, meet a cast of intriguing characters each with their own story to tell. Wield powerful weapons and customize them with upgrades to create new and devastating attacks. All the thrilling action and your decisions culminate into a heroic battle against the greatest threat ever known.

The fate of the galaxy lies in your handshow will you chose to fight for it?

Video Games Deals
Looking for New/Used/No car advice
Added on : Sunday September 08th 2013 03:00:08 AM
g: 0 Posted By: TheBeagle
Views: 55 Replies: 2 I have no idea if this belongs in FWF or not, I just need a place to get some intelligent feedback.

I currently drive a 2003 Durango. Bought new, been paid off for 6-7 years, runs fine (has a small emmission leak and uses a lot of oil). I guess I'm getting tired of it because I've been thinking about getting a new car/truck. A few years ago (07) I bought a used Vette, loved it, but with a 1 year old at the time, I didn't get to drive it much so I sold it. Wife has a paid off 08 CRV.

So here I am trying to decide between a 4 door truck and a 4 seat sports car. If I get a truck, the Durango gets traded in (for next to nothing). If I buy the sports car, I keep the Durango. We have a 3 car garage, but things are tight with 3 cars in there.

My heart wants the sports car, my head tells me the truck, and my wallet tells me to keep the Durango. Anyone been in a similar situation and are happy (or regret) what you did?
Personal Finance Deals
g: 2 Posted By: Trishako1
Views: 305 Replies: 1 Schlage Camelot Touchscreen Deadbolt w/ Nexia Home Intelligence and Alarm @ Amazon - $129.60
Compare at $162.00
Free Shipping! Make your house behave the way you want it too! *If you decide to use this with Schlage's Nexia controller and it's monthly service, yes, you'll have a fee . However, if you use this with eg MicasaVerde's Vera controller or the Homeseer solution there is no monthly fee and free apps are available for both Android and iOS*20% off instant savings during checkout  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Home & Garden Deals

Amazon Coupons
g: 0 Posted By: Virgil27
Views: 2003 Replies: 2 Dell Inspiron 14R Touchscreen Laptop with i5 Processor, 6GB Memory and 750GB Hard Drive @ Office Depot - $499.99
compare at $609.99
Free Shipping!Can't decide between tablet and a laptop? Try both with this Dell Inspiron 14R Laptop with combines the power of a Dell with the touchscreen interface of a tablet for $110 off with Cash Back and Free Shipping.Intel Core i5 Processor.6GB Memory and 750GB Hard Drive.Integrated Intel HD Graphics.Windows 8 Operating System.   (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Laptops Deals

Office Depot Coupons
g: 0 Posted By: Virgil27
Views: 185 Replies: 0 Dell Inspiron 14R Touchscreen Laptop with 15 Processor, 6GB Memory and 750GB Hard Drive @ Office Depot - $499.99
compare at $609.99
Free Shipping!Can't decide between tablet and a laptop? Try both with this Dell Inspiron 14R Laptop with combines the power of a Dell with the touchscreen interface of a tablet for $110 off with Cash Back and Free Shipping.Intel Core i5 Processor.6GB Memory and 750GB Hard Drive.Integrated Intel HD Graphics.Windows 8 Operating System.   (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Laptops Deals

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Savings vs CD account advice
Added on : Tuesday September 03rd 2013 09:00:13 PM
g: 0 Posted By: stiga9
Views: 64 Replies: 1 My newb question: I am thinking of putting money into Savings or a CD for about 2 years before I decide to move it to something more permanent (like an IRA/mutual funds/etc.). The APY for the Savings account is .85% APY for 2 years and the CD is .60% APY for 2 years.I plan to add approx $1000 a month for 2 years. I know CD APYs are fixed and Savings are not. But for this little amount of money and only 2 years time, I obviously should add it to the Savings account, right? Am I missing something?

thanks...
New User Question Deals
g: 0 Posted By: archena
Views: 133 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Teaching Kids to Be Good People: Progressive Parenting for the 21st Century [Kindle Edition] was $9.99

Annie Fox (Author)

http://www.amazon.com/dp/B009P5JEZS

Publication Date: October 3, 2012

Publisher: Electric Eggplant

Not all teachers are parents, but all parents are teachers. When we teach kids to be good people who possess the social courage to do the right thing, we help to make the world a safer, saner, more accepting place for all of us. Annie Fox, M.Ed.

We live in a time shaped by a viral culture of cruelty. Now and in the future, we desperately need more good people. But where will these young people come from? From the homes of parents with a game plan! In Teaching Kids to Be Good People, Annie Fox has written a very personal, step-by-step guide to teaching your children to make healthy choices (online and off). Because being good is not enough. We have to do good.

This very pragmatic and funny guide includes essays, podcasts, prompts, tools, questions, answers, and self-assessment quizzes, all for the purpose of teaching kids to be good people. Hopefully, youll become so engaged in this process that you will inspire your children to do the right thing when no one's watching, and when everyone is watching.

About the AuthorWhen Annie Fox's first book "People Are Like Lollipops" (Holiday House) was published, she wasn't old enough to legally sign the contract! By the time she turned 21, though, she decided that helping kids would be her life's work. After graduating from Cornell University with a degree in Human Development and Family Studies then completing her Master's in Education, she began exploring ways to use technology to entertain kids while building their emotional intelligence skills.In 1977, Annie and her husband David opened Marin Computer Center, the world's first public access microcomputer facility. Her work there led her to write her best selling book, "Armchair BASIC: An Absolute Beginner's Guide to Microcomputers and Programming in BASIC" (Osborn/McGraw-Hill). After a detour into the world of screen writing, Annie returned to computers as an award-winning writer/designer of children's CD-ROMs. (Putt-Putt; Madeline; Get Ready for School, Charlie Brown; and Mr. Potato Head Saves Veggie Valley are just a few of the titles on which she worked.)At the dawn of the Internet age, Annie dreamed up the idea for The InSite (TheInSite.org), a place "for teens and young adults to turn their world around." She is the creator, co-designer, writer, and executive producer of that award-winning site. One of The InSite's most popular features is Hey Terra, a Cyberspace Dear Abby. Annie's first book for teens, "The Teen Survival Guide to Dating & Relating: Real World Advice About Guys, Girls, Growing Up And Getting Along" (2000, 2005 Free Spirit Publishing), is based on hundreds of emails to Terra and Annie's responses to them. "Teen Survival Guide" is now available as a free PDF download from TeenSurvivalGuide.com."Are You My Friend?" a Read-it-to-Me iBook was written by Annie Fox, illustrated by Eli Noyes and produced by Electric Eggplant. This digital story book for 4-8 year olds is the first of the Raymond and Sheila Series and is now available in print form on Amazon, and as Android apps for Kindle Fire, Nook Tablet, and other Android tablets. The second Raymond and Sheila story "Are We Lost?" will be available in print in 2013. See RaymondAndSheila.com for more info.Annie's other books include: "Too Stressed to Think? A Teen Guide to Staying Sane When Life Makes You CRAZY," co-authored with Ruth Kirschner (Free Spirit Publishing) and the popular 3 book Middle School Confidential series (Free Spirit Publishing). Annie's Middle School Confidential apps (developed by Electric Eggplant) are available for iPad, iPhone, Kindle Fire, Nook Tablet, and other Android tablets (see MiddleSchoolConfidential.com).Through her conference appearances and public events for kids, tweens, teens, parents, and educators, Annie continues working toward her goal of empowering young people through increased emotional intelligence skills, social courage, and stress-reduction strategies. Her new book for parents and teachers, "Teaching Kids To Be Good People," is now available in print and for Kindle (see TeachingKidsToBeGoodPeople.com)Visit Annie at her website, AnnieFox.com
Follow Annie on Twitter: @Annie_Fox
Follow Annie on Facebook: http://www.facebook.com/Annie.Fox.author
Totally Free Deals
Question on Trusts...
Added on : Monday September 02nd 2013 07:00:11 PM
g: 0 Posted By: hurricanedarby
Views: 110 Replies: 0 My company will pay for me to setup a trust which I've decided to take advantage of. I've never set one up before and I don't own anything major other than some furniture and a car. Is there any advice anyone can give on options I should choose or pitfalls I should avoid? Thanks!
Personal Finance Deals
Indian Reservation lost my camping items
Added on : Monday September 02nd 2013 11:00:06 AM
g: 0 Posted By: bigdinkel
Views: 0 Replies: 0 I hiked and camped Havasupai in Havasupai, Arizona with some friends for the past four days. Yesterday, because of the weather, we hired an individual from the Campsite Office to horseback our items to the top of the Canyon because of the rain and mud that we would encounter. During the transport of our items, one of the horses decided to run away from the Pack and traveled through the Grand Canyon for many hours. After waiting at the top of the Canyon for our items, the horse was found and led to the top of the Canyon. Sure enough many items were lost during this "horse chase" including my REI tent and sleeping bag. I've talked to the Office and they haven't located the items. I asked if they're willing to replace these items and was told I would have to wait for the Supervisor to be available.

My main concern now is the Office will refuse to replace my tent and sleeping bag. As beautiful as the scenery was, the Reservation is almost a 3rd World Country that is filled with rabid dogs, malnourished horses, and locals that are strung out on drugs. Hotels and airlines have Policy's for lost luggage that are handled by them, but I worry that since it was an Indian Reservation, then any type of reimbursement could be limited. What would be the best course of action in case the Reservation refuses to reimburse me for the lost items?
Affordable Healthcare Act
Added on : Sunday September 01st 2013 11:00:04 AM
g: -3 Posted By: syber
Views: 132 Replies: 4 October 1, 2013 Americans can sign up for Medical insurance coverage through the government. There have been a lot of misinformation and people will have to decide who they believe. From the perspective of personal finance, this will be a very big choice for many people. From my reading I will provide the basics and not argue it.

Each state will have 100 medical policies which people can choose from. These are from the same companies and the same policies we have seen in the past. They are also at the same cost as in the past. The difference is if your family income is less then 400% of the federal poverty level, the government will pay a part of your monthly income. A family of 4 making $92,000 a year is under 400% of the poverty level. A family of 2 making under $40,000 a year is under 400% of the poverty level. So how much you will pay depends on last years adjusted gross income on your federal return and the government pays the rest. Some people do not want the government helping them pay so there is an option of paying the full cost each month yourself. A decent family policy runs between $1000 and $1400 monthly and you make the pick. A family of 2 making $40,000 a year is at $250% of the poverty level and will pay about $200 monthly and the government will pay $1200 monthly for this couple. One other thing to consider if you currently have a high deductible health plan and also pay premiums. If your deductibles, co-pays, and premiums cost you more then 9.5% of your income each year, you can apply under the affordable care plan to keep your health expenses below 9.5% of total health costs. Here is a calculator you can use to see what % of the poverty level your family is at, how much your will pay and how much the government will pay. Remember, use adjusted gross income.
calculator
Personal Finance Deals
Ameriprise vs Allied (Nationwide)
Added on : Saturday August 31st 2013 05:00:12 AM
g: 0 Posted By: itshuman
Views: 12 Replies: 0 Hello experts, My current insurance (home, auto and Umbrella) is from Ameriprise (costco). I'm overall happy with their service. I did find another quote thru Allied (Nationwide) which is little lower by $50 for an year premium and for almost same coverage ( Allied has little more coverage on Auto 500/500 instead of 250/500). Any suggestions on service of Allied (nationwide) vs Ameriprise. Your feedback will help me to decide.

-Thx

Personal Finance Deals
Get our car insurance involved or not?
Added on : Friday August 30th 2013 11:00:12 AM
g: 0 Posted By: seankovacs
Views: 24 Replies: 1 Long story short, my wife was hit by a large truck in her brand new 2014 SUV (2 weeks old). It was their fault and the police noted as such (they admit as well). It was a large landscape company that hit her and they are self insured. In fear of not increasing our insurance rate by contacting our insurance, I decided to deal with the matter without them (so far). They told me to go get a quote and I went to a Nissan dealership (Infiniti SUV) and got one, though they don't even have the car in the system, so getting parts could be tricky. I sent it in and now they sent a "General Release" document for us to sign. And that's where the pleasure of dealing with them ends. I included the document less personal information for review, but it seems like it rids them of any guilt or wrong doing and also seems like it ends our relation once we get paid for the car repairs (the estimate did say there may be other damage not in the original estimate).

I'm very pissed of the situation as this is a very new expensive SUV ($60k) and for it to already be damaged is eating at me. Such is life.

Should we get a lawyer involved and/or our insurance (Geico)? Thoughts? My concern is the repair costing more and/or long term hidden pain my wife has?

Personal Finance Deals
7% off Priceline Hotel Express Deals, TODAY 8/30/13 only!
Added on : Thursday August 29th 2013 08:00:04 PM
g: 0 Posted By: freshair3
Views: 102 Replies: 0 The hotel has to be 3 stars rated, or over.

AVLC8FWU

My first experience with Priceline Express Deals. In a nutshell - not good.

I received this email coupon the day after I did some searching on Priceline...Only when I went back in the only 3 star hotel in the area I wanted was no longer listed. I reviewed the other hotels and decided to go with a 2 star as this was only for one night. The only hotel that matched the one listed with the 2 star designation has pretty good reviews. The fine print with the Express deals, however, states that only the perks listed are the ones that are guaranteed and that they can switch the hotel you think you are bidding on with another one if it is the same star value or higher. Long story short, that is exactly what happened and I was burned by Priceline twice. The hotel I ended I ended up with does NOT have good reviews. It supposedly has bugs and is in an unsafe neighborhood. BURN. First time I have ever been really displeased with Priceline... No more Express deals for me.
Discussion Deals
Government is a Good Venture Capitalist?
Added on : Thursday August 29th 2013 05:00:13 AM
g: 2 Posted By: Argyll
Views: 92 Replies: 3 Early-stage tech firms get more funding from Washington than from private VC investors.
Article from WSJ: http://online.wsj.com/article/SB10001424127887323906804579036813...

Some excerpts: "For more than four decades, R&D magazine has recognized the top innovations100 each yearthat have moved past the conceptual stage into commercial production and sales. Economic sociologists Fred Block and Matthew Keller decided to ask a simple question: Where did these award-winning innovations come from?

...Two of their findings stand out. First, the number of award winners originating in Fortune 500 companieseither working alone or in collaboration with othershas declined steadily and sharply, from an annual average of 44 in the 1970s to only nine in the first decade of this century.

Second, the number of top innovations originating in federal laboratories, universities or firms formed by former researchers in those entities rose dramatically, from 18 in the 1970s to 37 in the 1980s and 55 in the 1990s before falling slightly to 49 in the 2000s. Without the research conducted in federal labs and universities (much of it federally funded), commercial innovation would have been far less robust. "





General Economics Deals
g: 2 Posted By: 77Rus
Views: 173 Replies: 2 I will do it 1 to 10, so it is easier to read. Hopefully, somebody finds it useful if you have a tire problem one day. I didn't realize thatthere are so many things involved to get the tire warranty honored.

1. June of 2010 Ive got4 Michelin Hydroedge tires 195/60R15 for my wifes Toyota. I like to use Sams club for that because they do a simple $15/tire installation and balancing, plus they offer free rotation/balancing for the life of the tires plus free flat tire repair. I pay $118 per tire plus installation costs, around $520 OTD.
2. Hydroedge tires have 90,000 miles treadwear warranty from Michelin (Sams club tells me about), however warranty has a fine print (they dont tell me about) you have to do tire rotation every 6,000 miles (6K per Sams club, Michelin says 6K-8K miles for any tires).
3. My wife drives less than 10K miles a year, for3 years she has put less than 27K on the tires. Two weeks ago, while checking the tire pressure (I do that at least once a month), to my surprise I see that all 4 tires have big cracks on them (see picture). Not small hairline, spider web, superficial whatever cracks, but some deep long nasty cracks that actually made me very uncomfortable to think that she has to drive on interstate at the posted 70 MPH on these tires.
4. I drive to Sams club. Hello, can you check you system with my membership number? I have purchased a set of tires from you about 3 years ago and they have cracks on them now for an unknown reason, look! They try; the system only allows them to search for 2 years so no dice. They want original receipt anyway, plus they want to know if the tires were rotated every 6K miles. Man, it is dry rot, it is normal in Alabama. They suggest calling Michelin since they can help me better than Sams.
5. I search the house and find the receipt! And I call Michelin. Michelin tells me5 important things: a) Cosmetic ozone or weather cracking is not covered 2) tires have 6 years workmanship/materials warranty 3) I need to take the car to a local retailer for inspection with original installation invoice and , hello, a completed service form 4) the retailer will check and if they agree that it is covered, they will use prorated formula to give me credit for new tires counting the remaining tire life and the original price5) any installation costs are not covered.I ask them politely WTF is a completed service form??? Well, they reply, any records that can show that the tires were rotated and inspected every 6K-8K miles. OK, thanks Michelin.
6. The only time I took my other car to Sams to do rotation theyve spent 2 1/2 hrs on it! Since then Ive decided to do tire rotation myself when I check the brakes, and I check those about once a year. Am I complaining about treadwear? No, Im complaining about deep long cracks on all 4 wheels. Those have nothing to do with rotation IMHO, especially on Hydroedge tires which are directional tires and can only be moved front to back same side, but not front to rear opposite side.
7. I go to http://www.toyota.com/owners/web/pages/homeand fill the service history myself, that page doesn't care who did what, you can enter whatever. I print it for Michelin after that to have the completed service form.
8. I go to Sams club. Young shift manager of the tire department checks the original receipt andwalks outside to take a look. Our conversation goes like this:
- It is dry rot. It is normal, Im sorry.
- The tires are 3 years old and have 90K warranty on them
- 90K warranty does not apply here; it is dry rot, normal weather damage.
- Listen, my other car has Dunlop tires for 4 years. They dont have cracks. I may have to replace them soon because of treadwear, but they dont have cracks.
- You dont expect tires to last 10 years, do you?
- Hell no. I expect them to last at least 6 years, thats what the warranty Michelin has for material.
- Weather cracking is not covered
- COSMETIC WEATHER CRACKS are not covered, deep cracks are not "cosmetic"...
- I dont know, man. I dont decide. I will call the store manager and if he OKs it we will see.
- I understand. Michelin said I can get credit for unused tire life, just check the tread. I have 63,000 miles left per their warranty.
9. Store manager comes. Actually, a very nice guy. I start showing him my tire service records, Michelin warranty I have printed, stick a cent into one of the biggest cracks, tells him that my other Sams club tires dont have this problem so it is probably just a bad batch. Store manager OK the replacement using 75% of the original life left!
10. We walk to the register and I purchase a set of BFGoodrich tires with 75K warranty (Sams club tells me about, see #2 above) for $6.62/each after discount, plus installation costs, total $93.13 OTD

Why did Michelin cracked? I still dont know. But Im highly suspicious that it is because of Armor All tire shine Ive started using onthe wife'scar to make her happy. Ive noticed that the tire walls started getting lighter and lighter with time, so I was applying more and more of that crap.
Thanks.
Personal Finance Deals
Getting replacement tires from Sams club and Michelin. Success story.
Added on : Tuesday August 27th 2013 06:00:06 PM
g: 0 Posted By: 77Rus
Views: 25 Replies: 0 I will do it 1 to 10, so it is easier to read. Hopefully, somebody finds it useful if you have a similar problem one day.

1. June of 2010 Ive got4 Michelin Hydroedge tires 195/60R15 for my wifes Toyota. I like to use Sams club for that because they do a simple $15/tire installation and balancing, plus they offer free rotation/balancing for the life of the tires plus free flat tire repair. I pay $118 per tire plus installation costs, around $520 OTD.
2. Hydroedge tires have 90,000 miles treadwear warranty from Michelin (Sams club tells me about), however warranty has a fine print (they dont tell me about) you have to do tire rotation every 6,000 miles (6K per Sams club, Michelin says 6K-8K miles for any tires).
3. My wife drives less than 10K miles per year. For 3 years she has put less than 27K miles on the tires. Two weeks ago, while checking the tire pressure (I do that at least once a month), to my surprise I see that all 4 tires have big cracks on them (see picture for an example). Not small hairline, spider web, superficial whatever cracks, but some deep long nasty cracks that actually made me very uncomfortable to think that she has to drive on interstate at the posted 70 MPH on these tires.
4. I drive to Sams club. Hello, can you check you system with my membership number? I have purchased a set of tires from you about 3 years ago and they have cracks on them now for an unknown reason, look! They try; the system only allows them to search for 2 years so no dice. They want original receipt anyway, plus they want to know if the tires were rotated every 6K miles. Man, it is dry rot, it is normal in Alabama. They suggest calling Michelin anyway, since they can help me better than Sams.
5. I search the house and find the receipt! And I call Michelin. Michelin tells me 4 important things: a) Cosmetic ozone or weather cracking is not covered 2) tires have 6 years workmanship/materials warranty 3) I need to take the car to a local retailer for inspection with original installation invoice and , hello, a completed service form 4) the retailer will check and if they agree that it is covered, they will use prorated formula to give me credit for new tires counting the remaining tire left and their price 5) any installation costs are not covered.I ask them politely WTF is a completed service form??? Well, they reply, any records that can show that the tires were rotated and inspected every 6K-8K miles. OK, thanks Michelin.
6. The only time I took my other car to Sams to do rotation theyve spent 2 1/2 hrs on it! Since then Ive decided to do tire rotation myself when I check the brakes, and I check those about once a year. Am I complaining about treadwear? No, Im complaining about deep long cracks on all 4 wheels. Those have nothing to do with rotation IMHO, especially on Hydroedge tires which are directional tires and can only be moved front to back same side, but not front to rear opposite side.
7. I go to http://www.toyota.com/owners/web/pages/homeand fill the service history just in case so Michelin fills better; I print it after that for the same reason so they can get their completed service form.
8. I go to Sams club. Young shift manager of the tire department checks the original receipt andwalks outside to take a look. Our conversation goes like this:
- It is dry rot. It is normal, Im sorry.
- The tires are 3 years old and have 90K warranty on them
- 90K warranty does not apply here; it is dry rot, normal weather damage.
- Listen, my other car has Dunlop tires for 4 years. They dont have cracks. I may have to replace them soon because of treadwear, but they dont have cracks.
- You dont expect tires to last 10 years, do you?
- Hell no. I expect them to last at least 6 years, thats what the warranty Michelin has for material.
- Weather cracking is not covered
- COSMETIC WEATHER CRACKS are not covered, deep cracks are "cosmetic"...
- I dont know, man. I dont decide. I will call the store manager and if he OKs it we will see.
- I understand. Michelin said I can get credit for unused tire life, just check the tread. I have 63,000 miles left per their warranty.
9. Store manager comes. Actually, a very nice guy. I start showing him my tire service records, Michelin warranty I have printed, stick a cent into one of the biggest cracks, tells him that my other Sams club tires dont have this problem so it is probably just a bad batch. Store manager OK the replacement using 75% of the original life left!
10. We walk to the register and I purchase a set of BFGoodrich tires with 75K warranty (Sams club tells me about, see #2 above) for $6.62/each after discount, plus installation costs, total $93.13 OTD

Why did Michelin cracked? I still dont know. But Im highly suspicious that it is because of Armor All tire shine Ive started using on her car to make her happy. Ive noticed that the tire walls started getting lighter and lighter with time, so I was applying more and more of that crap.
Thanks.
Personal Finance Deals
Today only: Virgin Mobile 20% off iPhones! (and that's not all!)
Added on : Tuesday August 27th 2013 04:00:10 AM
g: 4 Posted By: BargainActivist
Views: 493 Replies: 2 I've been in the market for a prepaid iPhone 5. Just as I had decided to wait until the new model comes out for good discounts, Virgin slaps me outside the head with a deal I can't pass up:

VirginMobile

iPhone 5 gets a 20% discount today only (trust me, these are not that common). This discount also applies to all iPhones (4, 4S) - add to cart to see discount.
plus, if you decide to activate:
$70 account credit if you do before September 9 (new model announcement is scheduled for the 10th)
Lastly, because it is an iPhone, you can get a monthly $5 discount if you sign up for auto pay. So their 300 minute Beyond Talk plan will cost me $30/month.
Not to mention $12.50 FW CashBack!

Just thought somebody out there might be interested
Cell Phones Deals

Virgin Mobile Coupons
Amazon offering refunds for small items - no return necessary?
Added on : Monday August 26th 2013 05:00:10 AM
g: 1 Posted By: boonkauc
Views: 169 Replies: 9 Today I requested a return on a relatively small (under $10) item, and I received an on-screen message stating that they'd refund the money and I didn't need to return the item. This was an add-on item, so I guess they've decided it's not worth the shipping cost to get it back. This is the first time it's happened to me. I buy a decent amount of stuff there and have returned several things before.

Anyone else have this happen? Seems to be along the same lines of cancelled balances on cards.
Proof attached
Discussion Deals
g: 0 Posted By: remick
Views: 34 Replies: 0 http://www.amazon.com/Heaven-Hears-Happened-Grandsons-ebook/dp/B00AEB3AXY

Was $15.99

On June 19, 2001, Ryan Corbin, grandson of Pat Boone, accidently stepped through a skylight and fell three stories onto a cement floor. When he broke through that roof, Ryan fell into a very different life from the one he had before as the beloved son of Lindy Boone Michaelis and first grandson of entertainment icon Pat Boone. As Ryan lingered between life and death in intensive care at UCLA Medical Center, Pat and Lindy decided to take action, in a big way; they went on Larry King Live, shared their faith, and asked millions of TV viewers to pray for Ryan. And so, they prayed. Heaven Hears is an unbelievable story of answered prayerand its not over yet. This book will inspire you to look for answers to prayer and to see Gods miracles.
FREE Kindle Book - Stress Management was $30
Added on : Thursday August 22nd 2013 05:00:05 PM
g: 0 Posted By: archena
Views: 394 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Stress Management (An easy to understand book full of tricks and tips to fight against everyday stress and anxiety) [Kindle Edition] was $30

Robert Gallagher (Author)

http://www.amazon.com/dp/B00EAQTKPQ

Publication Date: August 1, 2013

7 Reviews ★★★★★

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

#2 inKindle Store > Kindle eBooks > Health, Fitness & Dieting > Personal Health > Healthy Living


Amazon BEST SELLER!!!! CHECK THE RANKINGS!!!FOR FREE!!!!!!!!ONLY FOR A FEW DAYS!!!!!BUY NOW!!!!Stressors are everywhere. Each and every day, we run into situations that constantly test us, rob us of our patience, strip us of our sanity, impact our focus, and cause us to lose control of our days.A look in to the book 'How does stress affect our mental health' by Robert Gallagher Stress prevails in our lives, but not everyone knowshow to copewith it. The worst part is that if you leave it untreated, it has the tendency to disrupt your entire life. For this reason, the author, Robert Gallagher, decided tohelp every single readerthrough this amazing book. His book, titled 'How does stress affect our mental health?' presents basic insight in to what stress and anxiety are about, their impact on health and how they can be treated. The author also goes on to provide his intellectual insight into how his readers should deal with stress at work, and the anxieties related with exams. On the whole, the book is more of a guide to everything related to stress. The author has put inyears of researchto present detailed information about the problems in life that trigger stress and make it impossible for people to function normally on a day to day basis. See, the basic fact is that we live in world where we are surrounded by endless issues - issues that take away every bit of happiness from our lives. The only thing that we are left with is unhappiness, and well, 'stress'. For this reason, it is necessary for us to know just what we need to do to be able to cope with it and live a fuller, healthier life and this is just what this book is all about. Through it,you will acquire knowledge about not just natural treatments, but even the changes that you need to make in your lifestyle to get rid of stress.Readers will also get to learn about themedical treatmentsthat are used by psychologists and psychiatrists to help people with extreme levels of stress.STOP THINKING ABOUT IT!!!!BUY NOW!!!!FREE!!! FREE!!! FREE!!!
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How can I budget with such wacky income?
Added on : Thursday August 22nd 2013 07:00:12 AM
g: 0 Posted By: RecklessRin
Views: 188 Replies: 5 So here's my story:

I was always great with my money. Never had debt. Until I met my husband. When I was 19 (5 years ago), I did a voluntary repo on my car, and had a bankruptcy. My husband had sweet talked me into getting in over my head in debt. Over the years it's gotten worse, and I've decided that enough is enough; I'm taking over of our finances. I mean, I do have a kid and one more on the way, I just want the best for them!

I'm a pre med student. I'm National Guard so luckily I don't pay for it, yet. My husband just got a really good job, his first one ever, though we've yet to see a paycheck. I'm a bartender at a busy chain restaurant, on unemployment, and recieve a small amount of money each month to go to school.

The problem is, our rent is expensive (we can't move because no one else will accept our two Great Danes), our car is expensive (again, can't get a lower payment on ANYTHING because of my crappy credit), and I have no idea how to budget for food, gas, and daycare. I'm off to a late start at 24, and my husband, 31, has never budgeted in his life.

The biggest problem is that my husband likes to eat out, a lot. Always going to restaurants or picking up a sandwich at a gas station. As much as I tell him it bothers me, he won't stop. My plan is to give him a weekly allowance to do with as he pleases.

How can I set up a budget with suck wacky income? And how can I stand up for myself and my kids against my husband? I'm definitely not a "take charge" type of person, but I am desperate. Thank you in advance for any advice you may be able to give!





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Should I cancel my wife's LTC insurance?
Added on : Monday August 19th 2013 06:00:08 PM
g: 0 Posted By: balor124
Views: 168 Replies: 2 My wife's employer provides some amount of long term care insurance for free through Unum ($2k/mo). When she joined they offered us additional coverage and we selected the maximum coverage ($6k/mo w/inflation, home care I think). The plan is portable and if we wanted it we had to do it when she joined. Rates can change but for her group as a whole. The additional coverage is $70/mo, fixed I think, but I don't know what the base coverage would be if she left the company and we had to pay out of pocket. We opted-in at the time since there was a small window to decide but are re-considering now whether to keep it. Once we leave we cannot get it back. What do you all think - should we keep it? She's 33yo and has a clean but not spotless health record. The alternative would be to wait 10-15 years and look at repurchasing again if reforms require it.
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FREE Kindle Book - Supply Chain Network Design was $89.99
Added on : Monday August 19th 2013 09:00:03 AM
g: 0 Posted By: archena
Views: 56 Replies: 1 Supply Chain Network Design: Applying Optimization and Analytics to the Global Supply Chain (FT Press Operations Management) =16px[Kindle Edition] was $89.99Michael Watson (Author), Sara Lewis (Author), Peter Cacioppi (Author), Jay Jayaraman (Author)

Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

http://www.amazon.com/dp/B008Z03RIE

Publication Date: August 20, 2012

Publisher: FT Press
7 Reviews★★★★.5

#1 inKindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

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.About the AuthorMichael Watson is currently the world-wide leader for the IBM ILOG Supply Chain Products. These products include the network design product, LogicNet Plus XE. He has been involved with this product since 1998 when the product was owned and produced by LogicTools and then sold to ILOG in 2007 prior to being acquired by IBM. During this time, he has worked on many network design projects, helped other firms develop network design skills, and helped shape the direction of the group and product. He is an adjunct professor at Northwestern University in the McCormick School of Engineering, teaching in the Masters in Engineering Management (MEM) program. He holds an M.S. and Ph.D. from Northwestern University in Industrial Engineering and Management Sciences.

Sara Lewis is currently a world-wide technical leader for the IBM ILOG Supply Chain Products. She has run many full-scale network design studies for companies around the world, she has conducted hundreds of training sessions for many different types of clients, leads a popular network design virtual users group, and helps create educational material for network design. She has been involved with this group since 2006 when the network design tool was owned and produced by LogicTools. Prior to LogicTools, she held various supply chain roles at DuPont. She holds a Bachelors degree in Business Logistics and Management Information Systems from Penn State University and is a fre- quent guest lecturer on the topic of network design at several U.S. universities.

Peter Cacioppi is the lead scientist for IBMs network design product, LogicNet Plus XE. He also holds the lead scientist role for IBM's inventory optimization solution. He first began developing network design engines in 1996 as employee number one for LogicTools, a supply chain planning company that was sold to ILOG in 2007 prior to being acquired by IBM. His responsibilities include translating business design issues into formal mathematical problems. His scientific contributions have ranged from developing a targeted network design computational engine to designing both the GUI and the engine for network design multi-objective analysis. He holds an M.S. in Computer Science (with a thesis in Operations Research) from the University of Chicago, and a BA in Computational Physics from Dartmouth College.

Jay Jayaraman currently manages the ILOG Supply Chain and Optimization consulting services team within IBM. This team solves clients most challenging supply chain and optimization business problems. He brings extensive hands-on expertise in supply chain network design and inventory optimization, with projects ranging from large scale, global supply chain network design strategy to implementing production planning and inventory optimization projects at the tactical level. He has successfully led and managed consulting projects for clients around the world and in many different industries such as chemicals, consumer packaged goods, retail, transportation, pharmaceutical, and many others. Prior to joining LogicTools (later acquired by ILOG and then IBM), he worked for Kuehne & Nagel, helping run network design projects and implement the results. He holds an M.S. in Industrial Engineering from the University of Florida, and a Bachelors degree in Industrial Engineering from Anna University, India.



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IBR/PSLF, Roth or Traditional with Conversion
Added on : Sunday August 18th 2013 07:00:11 AM
g: 0 Posted By: Shaudius
Views: 46 Replies: 0 I'm 30 years old with just south of 100k in federal loan debt. Also have about 40k in private student loan debt, about a third of which is at 8%, the rest is between 4.75 and 5%. I converted about 14k of private debt to 4.99% life of loan penfed credit card debt(which even at APY is still 3% lower than the 8%.) I have a government job making about 75k a year. I'm 3 years into IBR/PSLF. I don't want to have a discussion about whether or not PSLF/IBR will still be around in 7 years, I'm pretty much committed to that at this point to my own wheel or woe.I have about 20k in my retirement right now(I know I am way behind.)Since every dollar I put into a tax deferred account saves me 15% in student loan payments I've developed the following plan, which seems to beat the interest rates of all my debt. Contribute the max to the TSP(fed 401k), max to a traditional IRA, and max to a HSA. I'm not in a HDHP this year so the latter won't be done til next year. The plan is to then do this for the next 6 years and then in the 10th year convert the traditional IRA to a Roth IRA and pay the taxes then, still having saved the 15% for the 6 years. Since the majority of my contribution is in the 25% bracket now, and will be taxes as same likely in 6 years(I don't forsee being higher than 25% in 6 years, although maybe the tax rate will be higher by then?)I realize that there is phase out for the traditional IRA and I may hit in the next 6 years depending on income growth, even contributing the max to my TSP and HSA, so that only some of these years there will be a choice between traditional IRA deduction and Roth IRA(obviously if I reach the phase out or completely not being able to the calculation would change.)1) Do people think making traditional IRA contributions and then converting them to Roth later is the right move? Should I skip this step and contribute directly to the Roth IRA now. Obviously it won't help with the IBR but the earnings won't get hit with income tax either in 6 years or in the future either. 2) I do also have the option of placing some or all of my contributions to the TSP in a Roth version. Should I switch some of the traditional to Roth in the TSP. Obviously since I'm behind right now(even with a pension that may or may not exist, and social security that may or may not exist.) Is tax treatment diversification worth the hit I'd take to my IBR payment?3) I can take a loan out against my TSP of up to 10k in order to pay off my private student loans, but obviously that money wouldn't garner earnings. It is paid back at a rate of 2.25% or so right which goes back into my account(can be paid back over 5 years.)4) Municipal bonds aren't taxed on the federal level as I understand it. I do have state income tax in my state, Maryland, do they make more sense because of the IBR than other investments outside of my retirement account because of this or am I better off with other investment vehicles. As far as other questions wrt marriage(I am single) and homeownership, I am currently undecided on both. Right now all my income goes to rent(about $750 a month) and student loans(about $1500 a month, so should be paid off in a little under 3 years if I don't do the above with the TSP loan, less if I do but then I'd have the TSP loan.)I realize this post has a lot of different topics, but I'd appreciate any insight anyone has.
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g: 4 Posted By: DjScibbity
Views: 262 Replies: 9 OK, so this is my first FW post on the finance forum and Im not sure this belongs here, but here goes:I purchased a home about a year ago that had the in ground Sentricon terminte system installed and was being service by Arrow Exterminators. As far as I know, the original owner paid a lot initially to have them install the system and then paid annually ($350 which is insane) for them to come out and monitor the stations. So, after I moved in, I began receiving invoices from Arrow Extermiantors (AE) for $350 to renew the annual contract and "Termite Warranty." Being an active Fatwalleter (and a devout skeptic), I was leary of the whole Sentricon system (read about all the cons to this system as well as ways exterminators wiggle out of the termite warranties) and felt that $350 was a waste of money. So, I ignored the invoices and decided I would use the stations since they are there and just monitor and service the stations myself (its not rocket science, though I am versed in that as well). I found online companies that sold replacement bait and read through all the literature on Sentricon and similar systems (still skeptical about it working effectiely, but since it was there I might as well use it).
Anyway, to make a long story longer, I came home from work yesterday and saw a plastic bag on my doorknob. Inside the bag was a brochure from Arrow Extermiantors saying they came and removed all of the in ground bait stations since I have not paid for the annual renewal. I was quite PO'ed at this for many reasons.

First, they came onto my property and into my back yard (I do not have a fence) while I was at work WITHOUT my permission. Thats trespassing in my book and if I was home, I wouldnt have let them onto my property.
Second, they removed all the stations and in many cases, left large holes in the ground, disturbed the ground cover, and were sloppy. Now I need to go back and refill holes, re-spread pine straw, etc. I have a few pictures of some of the holes, but its a bit difficult to see in pictures.
Third, what would have happened if my dog was outside and bit them or if they got injured on my property? This seems like a VERY poor practice.
Last, it was my understanding that the bait stations were paid for by the original owner and that the annual fee was for monitoring and re-baiting if necessary. Maybe this is untrue, but it wasnt clearly explained to me by Arrow.What are my rights and options here? Call and talk to them and get them to reinstall? Take them to small claims court? I cannot leave the holes because I have a dog that could fall into them and it just looks bad. I was planning on calling Arrow today to give them a piece of my mind and ask for compensation/rectification, but I expect them to tell me to go pound sand. I dont really care too much about the stations, but if I did want to use them again, I would be forced to pay a lot to reinstall them - something that was already paid for by the original owner of the house. I appreciate all of your advice.PS - Property is in GA (1.5 acres) in case it somehow matters-DJScibbity
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g: 0 Posted By: tedhawkins
Views: 61 Replies: 0 Pack of 5 Clear Screen Protectors for Samsung Galaxy S4 / S IV $3.97 Shippedhttp://www.amazon.com/Collection-Screen-Protectors-Samsung-Galax...Product Description
MPERO's clear screen protector for Samsung Galaxy S4 offers superior protection from scratches, dust, and dirt that may be accumulated from everyday use. It applies quickly and easily using the included applicator and has a self adhesive backing that helps it stay put while not leaving any sticky residue behind should you decide to remove or replace it. The precision-cut of the screen protector for Samsung Galaxy S III Mini allows for a perfect fit with any case you may have protecting it. Also included with the screen protector for Samsung Galaxy S4 is a cleaning cloth which is to be used to wipe away smudges or fingerprints accumulated from everyday use.
g: 8 Posted By: archena
Views: 4330 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.THE MIRACULOUS RESULTS OF EXTREMELY HIGH DOSES OF THE SUNSHINE HORMONE VITAMIN D3 MY EXPERIMENT WITH HUGE DOSES OF D3 FROM 25,000 to 50,000 to 100,000 IU A Day OVER A 1 YEAR PERIOD [Kindle Edition] - $3.99Jeff T Bowles (Author) http://www.amazon.com/dp/B005FCKN2SPublication Date: July 22, 2013196 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Physician & Patient > Healing#4 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic THIS IS THE LAST TIME THIS BOOK WILL EVER BE GIVEN AWAY FREE!PLEASE TELL ALL YOUR FRIENDS AND EMAIL CONTACTEES TO NOT MISS THIS OPPORTUNITY-THEY WILL THANK YOU FOR IT.Book description:
144+ Pages of Fact-Packed Science Based Information-But FUN to read-
Upon realizing that taking 4,000 IU of Vitamin D3 a day was not enough for me, I decided to embark on a "dangerous" experiment that directly contradicted everything MD's had told me for years: DON'T TAKE TOO MUCH VITAMIN D IT IS DANGEROUS!I started taking 20,000 IU a day-50X times the recommended dose of 400 IU a day.
After about 4 months upped the dose to 50,000 IU a day or 150X the old recommended safe dose I then boosted it to 100,000 IU a day or 300 x TIMES the old maximum safe dose!What happened over these last 10 months? Did I die? get sick? No! Just the opposite!!High dose Vitamin D3 therapy over the last year-CURED ALL MY CHRONIC CONDITIONS-SOME THAT I'D HAD FOR 20+ YEARS!1. A painful snapping hip syndrome which I had been suffering from for 23 years and no Dr could help me-It is now 100% gone. No pain and NO SNAPPING!!
2. Yellow fungus infected toenails (under the nail)- I tried everything over 20 years and nothing worked-10 months of high dose Vitamin D3 and they are clear as a bell! 100% cured.
3. A knobby bone spur on my elbow that made me look like Popeye the sailor man-It has now 100% dissolved and my elbow is back to the way it used to be 20 years ago.
4. Painful , clicking, popping, stiff Arthritic shoulders that prevented me from even throwing a ball from home plate past the infield. A condition Ive had for 15 years. Gone. No more popping snapping or clicking and I can throw the ball twice as far .
5. A ganglion cyst that persisted on my wrist for over 5 years has shrunk from the size of half a golf ball to the size of a pea and now it is rock hard ,painless, and shrinking.
6. A small subcutaneous cyst on my face that had not gone away for 20 years now gone!
7. AND-Without even trying my weight has dropped by 25 pounds from 204 to 179.
This book tells you detailed results of my experiment, dangers to avoid, and also discusses a simple and elegant new theory that suggests how High Dose Vitamin D3 therapy Should help PREVENT OR CURE all the epidemics of disease and health issues that have been plaguing us since the 1980s when Doctors started warning us to stay out of the sun and always use sunscreen. This has created the huge epidemics we see today of Obesity, Autism, Asthma, and many others!The theory is simple-Vitamin D3 is a hormone that your skin makes when you sit in the sun, it is not a vitamin it was just mislabeled when it was discovered. When your Vitamin D3 levels are low, your body gets you to prepare for winter by overeating, slowing you down to conserve energy, and even making you depressed to keep you housebound. Interestingly it is this same drop in Vitamin D3 levels that signals a bear to start hibernating!If your body expects famine-like conditions caused by winter to be likely- it will conserve your critical resources for the future. This leads to what I call the Incomplete Repair Syndrome which in turn causes most of the diseases humans face other than spontaneous gene mutations that cause syndromes and diseases caused exclusively by aging. High D3 can be used to prevent or treat a huge number of diseases MS, asthma, 17 kinds of cancer, lupus, arthritis, heart disease, obesity, depression, Parkinsons+many more...This IS the better mousetrap! Most MD's get just a basic 4 years in Med School, then work to earn not learn. I've researched diseases and aging for 20+ years, with a 10 year stint where I spent 12 hrs/day everyday in the Northwestern Med School's library just reviewing clinical and scientific studies! .I've had 3 major papers published; the publishing journal has 5 Nobel Prizes between the editors. And described my papers as extremely exciting and of major importance
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Leaving Employer & 401k Loan Penalty Questions
Added on : Tuesday August 13th 2013 09:00:12 AM
g: 0 Posted By: Winded
Views: 239 Replies: 10 This is my first question in the finance forum but being I am definitely not educated in this area and know there are some great finance guru's here I figured i'd ask this here. Long story short, I have been with the same employer for 7 years and (for many reasons) have decided to leave this employer. I landed a job with a new employer where I will start in two weeks. The new employer offers a 403B option with matching (immediate) while my current employer has offered a 401k plan w/ matching since I've been with them and which I've been a part of. Last year I purchased a house but didn't have enough down payment saved so I had no other option but to tap into my 401k plan where I withdrew 9k. I've been paying this money back with each paycheck and paid down roughly 2k over the last year. I still owe about 7k. As mentioned, i'm leaving my current employer and the HR director stated there are 3 options.1) To pay back the loan in full with my own money (which I don't have) within 90 days.
2) To fill out a 1099 at the end of the year and have this remaining loan amount of ~7k taxed as income
3) To have John Hancock deduct the 7k from my 401k balanceOption 1 isn't an option as I don't have the money. Option 2 would be a possibility and option 3 (if i'm understanding correctly) would seem to be completely idiotic. I understand it was a loan I took but it was a loan from money I had already earned in my 401k. Money is extremely tight right now so of the 3 options I was given option 2 is the only one that would work for me. I guess my question is whether i'd have ANY other options that weren't mentioned to me which would be more beneficial for me? Thanks in advance for any suggestions/advice/help. Thank you.
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g: 0 Posted By: DTASFAB
Views: 2365 Replies: 16 Ok I'm not proud to admit I screwed up a little. Hopefully it won't hurt me in the long run.Abridged version:
New car salesman has told me repeatedly that my $500 deposit has already been fully refunded to my credit card since the deal we originally agreed on fell through. However, it has been a week, and the credit has not posted yet. I'm also concerned that someone in the dealership may use my finance application for identity theft purposes, either in retaliation for not buying the car or simply as a crime of opportunity. Should I be concerned about this? Should I try to freeze my credit? I'm assuming it will cost money to put a freeze on at all three bureaus?TLDR version:
So I go into the first dealer and we agree on vehicle, trim, price, packages, and options, but they can't find the vehicle in the color scheme I want. Their computer isn't working properly and the sales manager tells me there's not a vehicle in the trim with the package I want within a 200 mile radius in any color. After checking again, he sees he has two such vehicles on his lot, but again, wrong color. So he says he'll do the deal if I'll settle for the color he has. I thank him for his time and tell him I'm going to continue searching for the color I want, but if anything changes, I'll let him know.I find a second dealer whose website says they have the exact vehicle I want with the exact color scheme I want. I call and they confirm. The next day I go in at lunch time and they tell me the color codes were entered on their website incorrectly. The exterior color is correct but the interior color is wrong. The interior only comes in two colors. I felt strongly about the interior color, but it wasn't non-negotiable the way the exterior color was. So they tell me if I really want the interior I want, they can find it from another dealer. I say ok, good, please try to do that. I tell them the trim, price, packages, and options the first dealer agreed to, and they agree to match it. The salesman asked, "If I can match this price, do we have a deal?" I responded, "If you can find the vehicle and match the price, we have a deal." They wanted me to put down a deposit, but I refused and told them I'll put down a deposit when they locate the vehicle I want.Three hours later, they call to tell me they found exactly what I wanted. Less then 90 minutes after that, I'm back in their showroom to put down a deposit on the vehicle they found from another location. Only problem now is that the other dealer who had the exact vehicle I wanted has sold it in the past 85 minutes and it's no longer available because I didn't put down a deposit at lunch time. Yeah, right, ok, sure.So I tell them I want to look at the car on their lot with the correct exterior color but the wrong interior color. After seeing it up close and in person, I decide to buy it. So we go back to the showroom and I put down a deposit on a credit card. They told me it's fully refundable if the deal falls through, but I screwed up and didn't get this promise in writing. I also filled out a finance application because financing through the car manufacturer was worth an extra $500 off the purchase price and there would be no prepayment penalty after 90 days. Otherwise, I never would have tried to finance since I have the cash available. I also only put down a deposit and didn't purchase the car right then and there because the sales manager who agreed to the price was gone for the day, so they told me I'd have to come back tomorrow to finish the paperwork.The next day, they call and tell me we're several hundred dollars apart on price, since the accessories I wanted were more expensive than the prices listed for them on the car manufacturer's website. By this time, I'm thoroughly disgusted with these people and I decide to walk away. Remember, I told them if they can find the vehicle and match the price, we'd have a deal. Well they didn't have the right color and now they were trying to squeeze more money out of me, so I wasn't going to let them manipulate me further. The salesman tells me he'll fully refund the deposit and there won't be any issues. He also suggests that he doesn't want to make me upset because even though this deal fell through, I'm still a potential future customer and he wants to make things right.I have a saved voicemail from the salesman telling me he needs my credit card account number so he can process the credit. I responded via e-mail with the credit card information and I have that saved in my sent messages folder. Otherwise, I have no real evidence that they've agreed to refund the deposit. I know they technically have 30 days to issue a credit, but I think they've been holding out, hoping I'd change my mind and buy the car.I'm also concerned that I left a finance application in the dealership containing my name, address, DOB, and SSN. I know they probably ran my credit as soon as I gave them that paper, but I don't even care about the hard pull at this point. I just want my deposit back and I don't want my personal information used by unauthorized persons.This dealer has several outstanding ratings on dealerrater.com but based on my experience with them, I can't understand why. They're obviously playing games and trying to screw me over. If I hadn't left that finance application there, I'd be kicking and screaming to get my deposit back, and I'd even stand on the sidewalk wearing a placard saying this dealer ripped me off in order to get their attention if necessary. But I'm afraid of ID theft, so I have to tread carefully.
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Condo Issue - Driveway Replacement
Added on : Monday August 12th 2013 10:00:12 AM
g: -1 Posted By: manipulator211
Views: 217 Replies: 8 Hi all,I recently purchased a condo in Ohio. It was a bank owned property but was not a foreclosure. The bank sold us the property as-is, which was fine. I believe it was a great deal, and I still do. Anyways....The driveway is considered in poor condition. We knew this when we bought it, so it's no surprise. The driveway has about FOUR decent size pits/holes along the center seams(?). It is an approx 12x12 driveway. I decided to fill in the holes with concrete. The job was good, but I think since the concrete color is off the association is having an issue. Upon talking to a board member this driveway issue has been there since 2 years prior while still owned by the bank.This board member sent me emails between him and the bank showing he tried to get the bank to repair this issue to no avail for over TWO YEARS. The driveway is not mentioned in any copy of the bylaws I have. Patios, decks, etc but not the driveway. The association however states the driveway is considered a "limited use" area. And I agree with that.My question is....since this has been a long standing issue...why did the association not set a lien against the property so that the next owner doesn't get stuck with the bill? I asked this and the board member told me he never heard of a lien for a specific issue, only liens for not paying condo fees.Do I have any recourse since the association tried getting the bank to pony up for YEARS? Thanks
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Ratcheting Crimp Tool $7.99 Harbor Freight Tools
Added on : Saturday August 10th 2013 09:00:09 PM
g: 0 Posted By: PedroDaGr8
Views: 175 Replies: 0 I was walking around HFT and came across this. It is a ratcheting crimper for insulated and uninsulated wire terminals. I had been looking for one for a while and decided to give this one a try as it was only $8. It's not bad, clearly a pressman clone, it does what it says and is light years better than these. I redid a few crimps at home and could feel it crimping them much tighter. It does the three standard sizes (red yellow and blue) of crimp terminals.
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Owners title insurance when lenders is paid - Penfed 5/5
Added on : Thursday August 08th 2013 06:00:07 PM
g: 0 Posted By: gruntwork
Views: 149 Replies: 0 I am purchasing a house for 700K and financing with Penfed 5/5. Penfed will pay for lender's title insurance, irrespective of whether I buy owners title insurance. Generally, when the borrower pays for lender's title insurance it makes sense to buy owners title insurace as the cost of buying them together is not much different from buying just the lenders. As Penfed is paying for lenders, its a $2,800.00 question for me.
I read some great discussions on FWF regarding owners title insurance here and other threads. Here are some arguments to start of the discussion from what I understand about title insurance1) Lender will be purchasing title insurnace, therefore a title search will be done and title company will ensure a marketable title. 2) Title insurance is primarily based on public records, issues coming of unrecorded liens are not covered. So again, lender title insurance will ensure a proper search of public records is done.3) Lender title insurance protects the lender, owners title insurance protects the owner. In case of a complete claim, like fradulent signature, the insurance company will buy the note from the lender and I would still owe the borrowed amount. However how likely is a full value claim? Isn't it more likely to have a partial claim, like unrecorded mechanic lien. In case of partial claim, will lender's title insurace protect me indirectly?4) Lender's coverage reduces as the principal is paid off, while owners title insurance coverage never reduces. This is not much of a concern as I believe most of the title issues will come to fore during the inital period of ownership.5) Per Geo, a good title is better than title insurance. So how do I ensure I have a good title. I've hired a attorney for this purchase, what will be his role in title search?6) The house was built in 1990, sold in 2002, then again in 2006 and now I am purchasing it. There has been no apparent remodeling since the last owner purchased the house.FWF please help me decide whether I should plunk down 2800 on the purchase of 700k house. This is in NJ.
Real Estate Deals
Owners title when lenders is paid - Penfed 5/5
Added on : Thursday August 08th 2013 05:00:16 PM
g: 0 Posted By: gruntwork
Views: 0 Replies: 0 I am purchasing a house for 700K house and financing with Penfed 5/5. Penfed will pay for lender's title insurance, irrespective of whether I buy owners title insurance. Generally, when the borrowers is paying for lender's title insurance it makes sense to buy owners title insurace as the cost of buying them together is not much different from buying just the lenders. As Penfed is paying for lenders, its a $2,800.00 question for me.
So I read some great discussions on FWF regarding owners title insurance here and other threads. Here is jist of what I understand.1) Lender will be purchasing title insurnace, a title search will be done and title company will ensure a marketable title. 2) Title insurance is primarily based on public records, issues coming of unrecorded liens are not covered. So again, lender title insurance will ensure a proper search of public records.3) Lender title insurance protects the lender, owners title insurance protects the owner. In case of a complete claim, like fradulent signature, the insurance company will buy the note from the lender and I would still owe the borrowed amount. However how likely is a full value claim? Isn't it more likely to have a partial claim, like unrecorded mechanic lien. In case of partial claim, will lender's title insurace protect me indirectly?4) Lender's coverage reduces as the principal is paid off, while owners title insurance coverage never reduces. This is not much of a concern as I believe most of the title issues will come to fore during the inital period of ownership.5) Per Geo, a good title is better than title insurance. So how do I ensure I have a good title. I've hired a attorney for this purchase, what will be his role in title search?6) The house was built in 1990, sold in 2002, then again in 2006 and now I am purchasing it. There has been no apparent remodeling done since the last owner purchased the house.FWF please help me decide whether I should plunk down 2800 on the purchase of 700k house. This is in NJ.
g: 0 Posted By: gacobacov
Views: 192 Replies: 2 I was out yesterday visiting dealerships in Southern California to get quotes on a specific new vehicle I am looking to purchase. I found it very bizarre that two of them were pressuring me to fill out a loan application form even when I was telling them I just wanted a quote at that time and would be paying all cash if I decided to buy from them.I was able to fully resist at the first dealership, but at the second I filled out my name, address, and date of birth on that form. They were saying this would speed up the process when I return and am ready to actually purchase the car. What bothers me now is that the guy at the second dealership also asked me to sign at the bottom of the form and I did it without thinking.The form currently sporting my signature is largely incomplete (I left many other things like SSN# blank), but I am not sure if I could still be in some kind of trouble if I decide not to purchase from that dealership. Since I put my signature in the bottom, could they claim I somehow made a commitment to buy? Or could they get a loan in my name, steal my identity, etc.?
Personal Finance Deals
following my money trail
Added on : Thursday August 08th 2013 02:00:07 PM
g: -4 Posted By: twoplustwo
Views: 106 Replies: 2 so I decided to create an account for the purpose of this thread. I think I am one of those people who are relatively dollar wise quarter stupid and penny crazy.What I plan to do is list out on a regular basis the state of my mint account in hopes to share what I am doing right, help others, and maybe learn something. So a little about myself first- And this is not a show off contest as i am trying to be honest and informational. judgemental be if you want.Late 30's. Married 2 kids, with twins on the way.
house purch 830k in 2011 - 3.25/30 yrs. Taxes 22k/yr - NYer Monthly Mortg ~1750 Owe $400k.
Always buy new Japanese imports. current fleet 2006 Accord, 2012 Pilot (owe 20k)
Wife is homemaker - I earn $250k total gross from day job.
Investments -
Retirement - 300k
LongTerm Work Bonus - ~4 yrs 200k
Personal investment acct $50k mixed stocks, and 100k equivlant of Euro myco stock
UGMA accts for 2 kids ~ about 7500 and 3500 respectively
Cash $10k on hand
Bluebird $5k
GCs in my wallet
20k in 0% credit card debit coming up in SeptThats the balance sheet. Next posts are the income statement.
Personal Finance Deals
10-Pack Stacy Adams Multi Stripe Dress Socks - $15.98 AC Shipped @ Tanga
Added on : Thursday August 08th 2013 10:00:02 AM
g: 0 Posted By: Solipsist
Views: 226 Replies: 0 This is scheduled as one of their deals of the day for tomorrow (8/9/2013), but Tanga decided to give it to us a bit early since this deal on the Stacy Adams argyle socks was so popular with our Best Deals viewers10-Pack Stacy Adams Multi Stripe Dress Socks - $14.99
was $65.00
Shipping adds $1.99

Coupons
DRESSY - $1 off(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Clothing Deals

Tanga Coupons
g: 0 Posted By: Dragonsnack
Views: 29 Replies: 1 LINK
Disappointed by the terms of the unsolicited offer for a credit card from Tinkoff Credit Systems in 2008, a 42-year-old Dmitry Agarkov from the city of Voronezh decided to hand write his own credits terms.
Credit Deals
g: 0 Posted By: pokerplyer
Views: 0 Replies: 0 My father received treatment at a hospital earlier this year that required surgery and a week long stay at the hospital. About a month later, he received explanation of benefits statements from his insurance company stating that the entire surgery and hospital stay would not be covered due to the hospital failing to obtain prior authorization. The insurance company told me that it would be willing to review the claims and cover them under a process known as retroactive authorization (where the hospital would submit clinical paperwork for review).I contacted the doctor's office to find out what went wrong, and his assistant (who I believe was supposed to have obtained the prior authorization in the first place) had no idea what was going on and pointed her finger at someone called the surgery scheduler as being responsible for obtaining prior authorization. Of course, the surgery scheduler also had no idea what was going on. At this point, I was more concerned about obtaining the retroactive authorization, and the assistant eventually introduced me to a financial counselor who would be able to straighten things out.I sent the financial counselor the explanation of benefits statements after explaining to her how to start the process of obtaining retroactive authorization. The financial counselor told me that it would typically take 30 days to complete the process. When I first heard this, I thought it was strange as a customer service representative from the insurance company told me that the process typically took around a week after receiving the paperwork, but I didn't question it as I assumed she was busy and thus was quoting me a generous timeframe.Fast forward a month later, and I email her asking her for a status update on the retroactive authorization process. She informs me that she would contact the business office (has anyone working in healthcare ever heard of this term) and get back with me. Several days later, she still has not responded back, and I thought about writing this on Fatwallet Finance to ask for advice but decided to email her one more time. This time, she responds and tells me that she has provided the business office with the copies of my father's explanation of benefits statements and that I should contact her in 30 days to check again on the status. I find this reply absolutely appalling because it implies that she has done nothing in the past month to resolve this issue. In fact, her wording suggests that she only started working on the retroactive authorization process after I emailed her for the status update. The other problem is that my father has already received the hospital bill for one of the claims that the insurance company was not willing to cover. According to the bill, he is responsible for the portion the insurance company did not cover. I'm not entirely familiar on how much time you have to pay a medical bill, but I don't want my father to be stuck with a 6 figure bill that the insurance company would have paid if someone at the hospital had not dropped the ball in the first place. Based on everything that has happened so far, I am very worried that this will eventually happen. What is the best course of action to take here? At this point, I honestly do not think the employees at this hospital will get this straightened out without my constant intervention, and I don't see why it is so difficult for them to accomplish a simple task. I need to get the ball rolling. For those who have had a similar experience:1) Am I speaking with the wrong person? Should I be speaking with another person to get the ball rolling? For example, should I contact the hospital's CEO and request his assistance or is there a specialized department that can help me?
2) I haven't replied to her response yet, and I strongly feel that I need to challenge the financial counselor on why nothing was seemingly accomplished/why the process will take so long when the insurance company itself quotes a much shorter timeframe.
3) Is there a way to delay the hospital bills until the insurance issue has been resolved?Thank you for reading my lengthy post, and I would appreciate any help/advice.
g: 0 Posted By: teddibear703
Views: 210 Replies: 0 Hi Guys, i posted this up in another deals forum but forgot to put it up here:My directv subscription came up a few months ago. I called in and was given an offer which i thought was ok, but not great. So i waited and called back every 2 weeks. Every 2 weeks, the offers that I got became worse and worse, so i finally decided to switch to Dish.I didn't see any good deals for dish other than what was listed however here are the best deals that I found. I went with the $200 rebate back
Option #1
GWdish.com will rebate you $200 back with the AT200 package and up, or $150 for the AT120 package.I got the Hopper and comes with the free Sling adapter!!!!NOTE: Website is nothing fancy, this is a small company, but I did get the rebate check as promised right away. It looks like they are compensating the difference so i'm ok with helping out the small guy.
Option #2
If you prefer to go with a bigger company, this link will get you $100 credit with Amazon.http://www.dish.com/redirects/partners/amazon/
I went with option 1 since i got $200. I received it after 1 week of ordering the service. Both options should be free activation and no installation fee.I really dont like directv since they kept raising their rates every time i called. Normally i can negotiate better and better, but this just got worse and worse!
Update: I really love Dish over directv. The hopper is really awesome. It records all my primetime shows and then it can auto skip all the commericals for the recorded primetime shows. Even better is that i can watch dish network on my iphone or ipad anytime anywhere as long as i have a good connection!
Services Deals
g: 2 Posted By: archena
Views: 191 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.THE MIRACULOUS RESULTS OF EXTREMELY HIGH DOSES OF THE SUNSHINE HORMONE VITAMIN D3 MY EXPERIMENT WITH HUGE DOSES OF D3 FROM 25,000 to 50,000 to 100,000 IU A Day OVER A 1 YEAR PERIOD [Kindle Edition] - $3.99Jeff T Bowles (Author) http://www.amazon.com/dp/B005FCKN2SPublication Date: July 22, 2013196 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Physician & Patient > Healing#4 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic THIS IS THE LAST TIME THIS BOOK WILL EVER BE GIVEN AWAY FREE!PLEASE TELL ALL YOUR FRIENDS AND EMAIL CONTACTEES TO NOT MISS THIS OPPORTUNITY-THEY WILL THANK YOU FOR IT.Book description:
144+ Pages of Fact-Packed Science Based Information-But FUN to read-
Upon realizing that taking 4,000 IU of Vitamin D3 a day was not enough for me, I decided to embark on a "dangerous" experiment that directly contradicted everything MD's had told me for years: DON'T TAKE TOO MUCH VITAMIN D IT IS DANGEROUS!I started taking 20,000 IU a day-50X times the recommended dose of 400 IU a day.
After about 4 months upped the dose to 50,000 IU a day or 150X the old recommended safe dose I then boosted it to 100,000 IU a day or 300 x TIMES the old maximum safe dose!What happened over these last 10 months? Did I die? get sick? No! Just the opposite!!High dose Vitamin D3 therapy over the last year-CURED ALL MY CHRONIC CONDITIONS-SOME THAT I'D HAD FOR 20+ YEARS!1. A painful snapping hip syndrome which I had been suffering from for 23 years and no Dr could help me-It is now 100% gone. No pain and NO SNAPPING!!
2. Yellow fungus infected toenails (under the nail)- I tried everything over 20 years and nothing worked-10 months of high dose Vitamin D3 and they are clear as a bell! 100% cured.
3. A knobby bone spur on my elbow that made me look like Popeye the sailor man-It has now 100% dissolved and my elbow is back to the way it used to be 20 years ago.
4. Painful , clicking, popping, stiff Arthritic shoulders that prevented me from even throwing a ball from home plate past the infield. A condition Ive had for 15 years. Gone. No more popping snapping or clicking and I can throw the ball twice as far .
5. A ganglion cyst that persisted on my wrist for over 5 years has shrunk from the size of half a golf ball to the size of a pea and now it is rock hard ,painless, and shrinking.
6. A small subcutaneous cyst on my face that had not gone away for 20 years now gone!
7. AND-Without even trying my weight has dropped by 25 pounds from 204 to 179.
This book tells you detailed results of my experiment, dangers to avoid, and also discusses a simple and elegant new theory that suggests how High Dose Vitamin D3 therapy Should help PREVENT OR CURE all the epidemics of disease and health issues that have been plaguing us since the 1980s when Doctors started warning us to stay out of the sun and always use sunscreen. This has created the huge epidemics we see today of Obesity, Autism, Asthma, and many others!The theory is simple-Vitamin D3 is a hormone that your skin makes when you sit in the sun, it is not a vitamin it was just mislabeled when it was discovered. When your Vitamin D3 levels are low, your body gets you to prepare for winter by overeating, slowing you down to conserve energy, and even making you depressed to keep you housebound. Interestingly it is this same drop in Vitamin D3 levels that signals a bear to start hibernating!If your body expects famine-like conditions caused by winter to be likely- it will conserve your critical resources for the future. This leads to what I call the Incomplete Repair Syndrome which in turn causes most of the diseases humans face other than spontaneous gene mutations that cause syndromes and diseases caused exclusively by aging. High D3 can be used to prevent or treat a huge number of diseases MS, asthma, 17 kinds of cancer, lupus, arthritis, heart disease, obesity, depression, Parkinsons+many more...This IS the better mousetrap! Most MD's get just a basic 4 years in Med School, then work to earn not learn. I've researched diseases and aging for 20+ years, with a 10 year stint where I spent 12 hrs/day everyday in the Northwestern Med School's library just reviewing clinical and scientific studies! .I've had 3 major papers published; the publishing journal has 5 Nobel Prizes between the editors. And described my papers as extremely exciting and of major importance
Totally Free Deals
Amex Bluebird - cash out your VISA rebate gift cards YMMV
Added on : Saturday August 03rd 2013 08:00:05 AM
g: -3 Posted By: khom
Views: 147 Replies: 1 There has been alot of talk about purchasing Vanilla VISA gift cards at CVS and transfering those funds to an Amex Bluebird checking account. This is great for those who need to want to rack up frequent mileage points and other related credit card bonus offers, but I think I've come across another beneficial use for Bluebird.Most rebate offers now tend to provide money back in the form of gift cards. I despise this practice as you can be left with managing a handful of cards which will expire if you don't spend them in time. So, here is a slightly different spin: you can use Bluebird's funding features to transfer your VISA rebate card balances! If you can set a PIN for your VISA rebate card, this can be easily done (YMMV).To maximize this benefit, you want to perform this at at WalMart store with a MoneyCenter ATM that supports Bluebird. This is important because not all stores have WalMart MoneyCenter ATMs, and not all of such ATMs have support for Bluebird. There are no fees when transfering money to Bluebird at the ATM. Transfering money via their online site, however, will incur a $2 fee.I decided to test and see if I can do this with the VISA rebate cards I have been getting from Newegg purchases. ("Rosewill" is a Newegg house brand, and most of their rebate offers are sponsored directly from Newegg.) Fortunately, Newegg's VISA card rebates supports this, via the online site: myprepaidcenter.comSo, I finally got to test this today with my newly received $13.99 and $29.98 cards. The MoneyCenter ATM was painstakingly slow, but after several go's at it, I found that this was only possible with whole dollar amounts. So, now I have a card with .99, and .98 which I will need to spend. It's a minor nuisance to spend these low dollar amounts, but it is so much better than losing out on gift cards that expire or even to be charged a $2 monthly maintenance fee after a set time frame.I'm interested in seeing how many others here have been able to do this successfully.
Credit Deals
g: 0 Posted By: MISTERCHEAP
Views: 183 Replies: 0 http://game.giveawayoftheday.com/the-surprising-adventures-of-mu...
The once prosperous and happy kingdom has succumbed to darkness and despair. The Heart of the Kingdom the magic crystal that used to be the only source of light and hope has been destroyed by the villain. The disheartened and impoverished King decides to marry his daughter to a stranger in exchange for a chest of gold. Sensing the strangers evil, the Princess writes to Munchausen who must now stop the wedding and save the Kingdom in The Surprising Adventures of Munchausen!

Features:
Dozens of unique mini-games.
Challenging brain-teasers.
Association-based hidden object search.
Beautiful animation.
Restore the Heart of the Kingdom!
Video Games Deals
FW Way to Fly Last-Minute?
Added on : Friday August 02nd 2013 10:00:08 AM
g: 0 Posted By: Shelbycobra
Views: 234 Replies: 9 Since the travel forum has disappeared and this is more of a general strategy question, I've posted this in Finance. My apologies if that irks anyone.My wife is about 37 weeks pregnant and she and her sister have decided that her sister is going to hop on a plane as soon as my wife goes into labor in order to be there for the birth. We will be paying for some or possibly all of her sister's ticket (sister is financially irresponsible, so instead of giving her money for some baby stuff she gave to us, we decided to pay for or subsidize the plane ticket).
I'm trying to get some ideas to find the most economical way for my sister-in-law to book a flight last-minute. So far, the best strategy is:1.) Wait to book until my wife goes into labor.
Pros: Very flexible
Cons: Ticket prices (at least online) seem significantly higher than if we book out a couple of weeks in advance.Strategies that have been pretty much ruled out:
2.) Book a ticket and pay a change fee later on:
Pros: Should be able to hop on a plane pretty quick, provided there's room.
Cons: Change fee + difference between the fares makes this a worse option than #1
3.) Fly Standby:
Pros:?
Cons: Not really applicable....already need to have a ticket for travel within 24 hours and then pay a change fee

4.) Buy a refundable ticket
Pros: Most flexible
Cons: Most likely the most expensive option. I've been looking at same-day reservations off and on for the last few weeks and they average about $400-$500 round-trip through Delta. For comparison, a refundable ticket is approx. $1,500.I'm definitely considering booking last-minute through Southwest as even though they don't have direct flights from TPA to DTW, they have a lot of options for connecting flights and they're about 1/2 the price of a direct flight for the same times through Delta. Relevant Information:
Her sister doesn't have much vacation time, so planning a long trip centered around due date is not an option.
Sister will be flying out of TPA (Florida) to DTW (Michigan) 
I'm pretty sure buying a ticket as soon as my wife goes into labor will be the best option, but I'd love to hear any advise from someone who has more knowledge or an experience with a similar situation.
Air Travel Deals
Merit Scholarships/Grants for Adult College Students
Added on : Thursday August 01st 2013 05:00:06 PM
g: 0 Posted By: zhelder
Views: 0 Replies: 0 After many years, my brother decided to return to college a few years ago with the goal of obtaining a bachelor's degree in medical informatics. He began the program at a community college, and he just received the associate's degree in the field with a 3.9 GPA. He now wants to attend a public four year technical college to complete the bachelor's degree. The problem is, the cost per class are about triple what they were at the community college. He has a full-time job, but his salary certainly wouldn't light the boards up here, and the tuition reimbursement is meager. He squeezed out enough money to pay for one class, but he's likely not going to be able to pay for many more classes on his own.Does anyone know of any merit based scholarships or grants for adult students? Almost all of the information online is focused on high school students. He is trying to avoid taking out loans, because he's afraid of getting stuck in a position where he has to pay back a ton of money and might not have a job that pays enough to do so. Thanks for any tips or information.
Trouble with HSA Bank
Added on : Thursday August 01st 2013 09:00:11 AM
g: 0 Posted By: yeastbeast
Views: 45 Replies: 0 TL;DR Don't do business with HSA Bank
A few years ago I tried to invest some HSA money through the HSA Bank/TDAmeritrade deal described in numerous FWF threads (see here). Unfortunately, this has not worked out well. Let this serve as a cautionary tale to those who would play this game. I set up a small balance (about $6K) account with HSA Bank, then transferred those funds into a linked TDAmeritrade account. Initially things went well but my investment priorities changed and I decided to put the money in a different, easier to access HSA. This was in part motivated by HSA Bank's high fees ($3 monthly waived for balance of >$3000 plus $2.50 monthly "investment fee."The trouble began with my attempts to transfer money out of HSA Bank. Numerous little steps in the transfer process are designed as obstacles to customers. Here's a brief summary of the runaround. -I first tried to close the account and cash out but learned of a $25 closing fee
-To avoid that fee, I next tried to ACH transfer leaving a tiny balance so account would go negative and auto-close, but learned that outbound ACH transfers are capped at $500 daily.
-Next, tried to roll over into another HSA and was required to fax in a form, but the fax number listed on contact page wasn't right.
-Eventually succeeded in faxing to a live human who processed the transaction but imposed a fee anyway, leaving the account with a lower balance the requested transfer, thus invalidating the transfer request.
-Spoke with another CSR who altered the original transfer to reflect the new balance, but this got "lost" in document processing until the end of the month, whereupon there were more fees levied, once again invalidating the transfer request.
-Spoke with a manager who claimed that the fees would be reversed and the check would be in the mail today. It's unclear whether the account will remain open. Altogether, this whole operation was unsuccessful in earning money (monthly fees ate most of my investment earnings) and just created trouble.Lessons learned: don't do business with HSA Bank, at least not with small balances like this.Does anyone here have a similarly bad experience with HSA Bank or can suggest alternative routes to investing HSA money?
g: 0 Posted By: 740il
Views: 57 Replies: 0 Hi, I was working with a buyer's agent in northampton county PA for the past few months and finally decided to settle on a property and there is a new issue that popped up yesterday.These are the approximate timelines1) Agent showed up a home 3 weeks ago
2) Made an offer 2 weeks ago
3) Offer made about a week ago and after a bit of negotiation settled on a price.
4) Inspection went through 2 days before got the report this morning. Most are minor issues but the major issue is the home does not have a permit for the basement (he visited the township to find out).
5) I mentioned this to my agent and he said this might be to my advantage, so let me know if I still wanted to go through this deal.Now, I'm seriously pissed at my agent for not offering to press the seller's agent to contact the owner and see that the permit is done atleast now. How would I deal with this? Question is, if the permit is not taken care of by the owner, what kind of compensation can I ask. This is a 3000sqft home with 600sqft finished walkout basement. Thanks in advance.
Staples - $100 off Windows 8 Computers Regularly Priced $499 or more!
Added on : Thursday August 01st 2013 09:00:08 AM
g: 4 Posted By: SunkenTreasure
Views: 1597 Replies: 7 Staples is offering a $100 off coupon which you can use towards Windows 8 versions of tablets, desktops, AIO PCs, and laptops. It excludes the Surface RT, SKU numbers 49556 and 56855, and clearance items. Make sure to read the bottom of the coupon. If you buy a touch screen computer, it'll also come with free Office 365 University for four years.Both the online and in-store coupons expire 8/3/13. (Saturday)http://reg.e.staples.com/c/s/tagfrm/hBR$iR6B7SHGCB80Q00NuKDEVkZ/...Online coupoun: 24181==========================================================================================================
*Prices include the $100 discount*
Toshiba C55-A5281 15.6" Laptop - $274.99
Intel Pentium 2020M 2.4GHz 2MB Cache Processor (Even though it is Pentium, it is still a good processor.)
6GB DDR3 Memory
750GB 5400RPM Hard Drive
HP Pavilion 15-e028us 15.6" Laptop - $299.99
AMD Dual-Core A6-5350M Accelerated Processor
4GB DDR3 SDRAM (1 DIMM)
750GB 5400RPM hard drive with HP ProtectSmart Hard Drive Protection
Lenovo G500s 15.6" Touch Screen Laptop - $499.99
Intel i5-3230M 3.20GHz 3MB Cache Processor
6GB DDR3 SDRAM Installed Memory
1TB 5400RPM Hard Drive
Lenovo C540 23 All-in-One Computer - $429.99
3rd gen Intel Core i5-3337U Cache Processor plus Turbo Boost Technology. Enjoy an automatic burst of...
4GB DDR3 Installed Memory
500GB HDD Storage & 24GB SSD Cache
HP ENVY dv7-7240us 17.3" Laptop - $549.90
3rd generation Intel Core i5-3210M 2.5GHz with Turbo Boost Technology up to 3.1GHz Processor; Enjoy...
8GB DDR3 SDRAM Memory
750GB 5400RPM Hard Drive with HP ProtectSmart Hard Drive Protection
Lenovo IdeaPad U310 13.3" Touch Screen Ultrabook - $449.99
3rd gen Intel Core i5-3337U Cache Processor plus Turbo Boost Technology. Enjoy an automatic burst of...
4GB DDR3 Installed Memory
500GB HDD Storage & 24GB SSD Cache
Toshiba L55T-A5290 15.6" Professional Touch Screen Laptop - $549.99
Intel Core i5-3337u 2.70GHz 3MB Cache Processor
8GB DDR3 Memory
750GB 5400RPM Hard Drive
Toshiba S55-A529515.6" Professional Laptop - $599.99 [Nevermind, it excludes this item]
Intel Core i7-3630QM
12GB DDR3 Memory
1TB 5400RPM Hard Drive
=======================================================================================================================The better deals are near the top of the list but decide for yourself. I'll be going into the store later on to check the in-store prices which may be cheaper. I'll let you guys know.
Laptops Deals

Staples Coupons
Staples $100 off any Windows 8 Computer Regularly Priced $499 or more!
Added on : Thursday August 01st 2013 07:00:08 AM
g: 1 Posted By: SunkenTreasure
Views: 939 Replies: 5 Use on a whole bunch of different computers. Excludes the Surface RT and clearance items. Make sure to read the bottom of the coupon. If you buy a touch screen computer, it'll also come with free Office 365 University for four years.Both the online and in-store coupon expire 8/3/13. (Saturday)http://reg.e.staples.com/c/s/tagfrm/hBR$iR6B7SHGCB80Q00NuKDEVkZ/...Online coupoun: 24181================================================================================================================================================http://www.staples.com/HP-Pavilion-15-e028us-156-Laptop/product_...http://www.staples.com/Lenovo-C540-23-All-in-One-Computer/produc...http://www.staples.com/Lenovo-IdeaPad-U310-133-Touch-Screen-Ultr...http://www.staples.com/HP-ENVY-dv7-7240us-173-Laptop/product_985...http://www.staples.com/Toshiba-L55T-A5290-156-Professional-Touch...http://www.staples.com/Toshiba-S55-A5295156-Professional-Laptop/...www.staples.com/Toshiba-C55-A5281-156-Laptop/product_49563===================================================================================================================================================Decide for yourself what is the best price. I'll be going into the store later on to check the in-store prices which may be cheaper. I'll let you guys know.
Laptops Deals

Staples Coupons
Staples $100 off any Windows 8 Laptop Priced $499 or more!
Added on : Thursday August 01st 2013 06:00:07 AM
g: 0 Posted By: SunkenTreasure
Views: 519 Replies: 4 Use on a whole bunch of different computers. Excludes the Surface RT and clearance items. Make sure to read the bottom of the coupon. If you buy a touch screen computer, it'll also come with free Office 365 University for four years.http://reg.e.staples.com/c/s/tagfrm/hBR$iR6B7SHGCB80Q00NuKDEVkZ/...================================================================================================================================================http://www.staples.com/HP-Pavilion-15-e028us-156-Laptop/product_...http://www.staples.com/Lenovo-C540-23-All-in-One-Computer/produc...http://www.staples.com/Lenovo-IdeaPad-U310-133-Touch-Screen-Ultr...http://www.staples.com/HP-ENVY-dv7-7240us-173-Laptop/product_985...http://www.staples.com/Toshiba-L55T-A5290-156-Professional-Touch...http://www.staples.com/Toshiba-S55-A5295156-Professional-Laptop/...www.staples.com/Toshiba-C55-A5281-156-Laptop/product_49563===================================================================================================================================================Decide for yourself what is the best price. I'll be going into the store later on to check the in-store prices which may be cheaper. I'll let you guys know.
Laptops Deals

Staples Coupons
new car dealer dragging feet refunding deposit & ID theft concerns
Added on : Thursday August 01st 2013 05:00:08 AM
g: 0 Posted By: DTASFAB
Views: 172 Replies: 0 Ok I'm not proud to admit I screwed up a little. Hopefully it won't hurt me in the long run.Abridged version:
New car salesman has told me repeatedly that my $500 deposit has already been fully refunded to my credit card since the deal we originally agreed on fell through. However, it has been a week, and the credit has not posted yet. I'm also concerned that someone in the dealership may use my finance application for identity theft purposes, either in retaliation for not buying the car or simply as a crime of opportunity. Should I be concerned about this? Should I try to freeze my credit? I'm assuming it will cost money to put a freeze on at all three bureaus?TLDR version:
So I go into the first dealer and we agree on vehicle, trim, price, packages, and options, but they can't find the vehicle in the color scheme I want. Their computer isn't working properly and the sales manager tells me there's not a vehicle in the trim with the package I want within a 200 mile radius in any color. After checking again, he sees he has two such vehicles on his lot, but again, wrong color. So he says he'll do the deal if I'll settle for the color he has. I thank him for his time and tell him I'm going to continue searching for the color I want, but if anything changes, I'll let him know.I find a second dealer whose website says they have the exact vehicle I want with the exact color scheme I want. I call and they confirm. The next day I go in at lunch time and they tell me the color codes were entered on their website incorrectly. The exterior color is correct but the interior color is wrong. The interior only comes in two colors. I felt strongly about the interior color, but it wasn't non-negotiable the way the exterior color was. So they tell me if I really want the interior I want, they can find it from another dealer. I say ok, good, please try to do that. I tell them the trim, price, packages, and options the first dealer agreed to, and they agree to match it. The salesman asked, "If I can match this price, do we have a deal?" I responded, "If you can find the vehicle and match the price, we have a deal." They wanted me to put down a deposit, but I refused and told them I'll put down a deposit when they locate the vehicle I want.Three hours later, they call to tell me they found exactly what I wanted. Less then 90 minutes after that, I'm back in their showroom to put down a deposit on the vehicle they found from another location. Only problem now is that the other dealer who had the exact vehicle I wanted has sold it in the past 85 minutes and it's no longer available because I didn't put down a deposit at lunch time. Yeah, right, ok, sure.So I tell them I want to look at the car on their lot with the correct exterior color but the wrong interior color. After seeing it up close and in person, I decide to buy it. So we go back to the showroom and I put down a deposit on a credit card. They told me it's fully refundable if the deal falls through, but I screwed up and didn't get this promise in writing. I also filled out a finance application because financing through the car manufacturer was worth an extra $500 off the purchase price and there would be no prepayment penalty after 90 days. Otherwise, I never would have tried to finance since I have the cash available. I also only put down a deposit and didn't purchase the car right then and there because the sales manager who agreed to the price was gone for the day, so they told me I'd have to come back tomorrow to finish the paperwork.The next day, they call and tell me we're several hundred dollars apart on price, since the accessories I wanted were more expensive than the prices listed for them on the car manufacturer's website. By this time, I'm thoroughly disgusted with these people and I decide to walk away. Remember, I told them if they can find the vehicle and match the price, we'd have a deal. Well they didn't have the right color and now they were trying to squeeze more money out of me, so I wasn't going to let them manipulate me further. The salesman tells me he'll fully refund the deposit and there won't be any issues. He also suggests that he doesn't want to make me upset because even though this deal fell through, I'm still a potential future customer and he wants to make things right.I have a saved voicemail from the salesman telling me he needs my credit card account number so he can process the credit. I responded via e-mail with the credit card information and I have that saved in my sent messages folder. Otherwise, I have no real evidence that they've agreed to refund the deposit. I know they technically have 30 days to issue a credit, but I think they've been holding out, hoping I'd change my mind and buy the car.I'm also concerned that I left a finance application in the dealership containing my name, address, DOB, and SSN. I know they probably ran my credit as soon as I gave them that paper, but I don't even care about the hard pull at this point. I just want my deposit back and I don't want my personal information used by unauthorized persons.This dealer has several outstanding ratings on dealerrater.com but based on my experience with them, I can't understand why. They're obviously playing games and trying to screw me over. If I hadn't left that finance application there, I'd be kicking and screaming to get my deposit back, and I'd even stand on the sidewalk wearing a placard saying this dealer ripped me off in order to get their attention if necessary. But I'm afraid of ID theft, so I have to tread carefully.
Personal Finance Deals
Pep boys gift card dispute
Added on : Wednesday July 31st 2013 02:00:10 PM
g: 0 Posted By: pricefeliciajessica
Views: 166 Replies: 0 Hello, I'm new to this website and would love some feedback. I received a $100 Pep Boys gift card for Christmas. I went into the store and purchased a car air freshener for about $5. When I went back in to use the rest of my card the cashier told me the amount came up as "unavailable." The cashier was confused because usually the card should read $0 if there is no balance. He tried calling Pep Boys customer service and it was passed business hours so there was nothing he could do. I later went back to use the card a different time hoping for a better outcome. Same problem had occured and and there was nothing that could be done. I decided to finally call Pep Boys on my own and was spoke to a women on the phone who said my balance was at $0. I asked her if she could read the transaction where the money was spent but she said the card has been deactivated because it was all used up. Again, nothing anyone could help me with. I called again another day and asked to speak to corporate this time. Of course I was just led to a voice mail machine where I left a message, but never recieved a call back. I had them emailed customer support and they had emailed me back with the number to the original gift card department that I had already been calling. I then emailed them again but no response. Can I take legal action?
Discussion Deals
g: 0 Posted By: supadupamikey
Views: 69 Replies: 0 Was walking through Lowes a few minutes ago and saw this oil-less turkey fryer was marked down to $31.68 from $99. Consulted with Dr Google for a few mins and found excellent reviews and decided to purchase.here's the link to the product on Lowes:
http://www.lowes.com/pd_276307-82210-10101480_0__?ipTrail=70.39.176.52&zipCode=44240&address2=&state=OH&address1=218+Nicholas+Way&catalogId=10051&productId=3557058&pl=1&city=Kent&selectedLocalStoreBeanArray=%5Bcom.lowes.commerce.storelocator.beans.LocatorStoreBean%402eb22eb2%5D¤tURL=%3FNtt%3Dthe%2Bbig%2Beasy&storeNumber=2500&Ntt=the+big+easy&langId=-1&storeId=10151Here's the same product on Amazon:
http://www.amazon.com/Char-Broil-TRU-Infrared-Oil-less-Turkey-Fryer/dp/B001HBI7D8/ref=dp_ob_title_gardenI had Lowes associate check the store inventory and the display model was the last one (Green, OH). He commented that they just dropped the price on that item yesterday. I checked the webpage selecting my store and it still showed $99 online, but rang up $31.68 in store. Several nearby stores have more units. Good luck!
Home & Garden Deals

Lowe's Coupons
g: 0 Posted By: vins0010
Views: 42 Replies: 0 Hi,So, in July 2011, my wife and I took out a second mortgage (for 24,000) as part of a piggybacked 80-10-10 loan to buy our primary residence. Since, then, we've been paying back the second mortgage at about $400 total (so, covering interest and extra principal payments each month). This month, our principal owed was around 4400 dollars, so, we just decided to pay thing off and be done with it - but still keep the line of credit open. My wife stopped by the bank to do this, and she paid the $4400, but they said there was an additional $500 or so due in "interest" (their words). So, they wanted about $4900 to pay it off. Unfortunately, my wife did not ask questions and just wrote a check. This struck me as a big extra amount to pay, over 10%, of what remained of the principal. So, I'm suspicious about the transaction. I plan on following up with the bank, but want to see if this sounds normal? I couldn't find anything about this when I tried searching the web, but, at the same time, I might be missing some critical terms or language to describe the situation. Thanks...
Personal Finance Deals
NewsgroupDirect Usenet 500 GB Blocks $20 expires 8/5/13
Added on : Monday July 29th 2013 10:00:05 AM
g: 0 Posted By: floridapanda
Views: 104 Replies: 0 NewsgroupDirect is having another block sale. Once again it's 500 GB blocks for $20. It looks like the blocks are now shareable, so there's that if you want to buy something and share with a bunch of people. Deal is here: http://newsgroupdirect.com/deal-of-the-week
Email I received:
The Perfect Block for Sharing
500 GB Usenet Blocks on Sale For Just $20, Regularly $60.
Block usenet gives you all the power. You decide when to buy and how much to spend. Usenet blocks do not expire.

Now, our block accounts are shareable. So buy a block and share with your friends.

Details: The 500 GB usenet blocks are available for $20 through August 5, 2013. All usenet blocks include a 10% allowance for headers, so a 500 GB block is actually a 550 GB block. Blocks do not expire and may be shared with friends. You can purchase as many blocks as you like at this rate. This sale cannot be combined with coupons, new or existing.

Services Deals
New Member
Added on : Sunday July 28th 2013 06:00:15 PM
g: -3 Posted By: ipaydnabiz
Views: 204 Replies: 1 Hello,I am a new member to this forum, and my name is AnuarJorge. Mostly I always stick to various forums to get informations about various life experiences and to get updated. I was searching for a good forum and finally decided to make my favorite. I found this forum very informative and the members are very helping and also there are many interesting topics are discussed here.Bank Credit Cards that are issued with a Visa or Mastercard logo work equally well whether issued by a bank.I hope I can enjoy my stay here.Thanks a lot
Anuar Jorge
Credit Deals
g: 0 Posted By: vasooli2
Views: 174 Replies: 0 I was at the local Target today and the salesperson told me that they are giving iPhone 5 (AT&T 2 yr contract new/upgrade) for $149. Also if you trade in your old phone they offer phone's value + $25. Their valuation is also very reasonable. If you have an iPhone 4S in working condition with no screen crack they offer you $184 for the phone + $25 extra credit towards new phone purchase, and if you decide to upgrade to iPhone-5, you actually end up making $60 on a Target gift card. Pretty good deal if you are going to stick with AT&T for another 2 yrs and are eligible for an upgrade.
Cell Phones Deals
g: 0 Posted By: CinderellaMan
Views: 49 Replies: 2 So I start medical school in a few weeks. Its going to be 4 years and its going to be intense in terms of time, effort, commitment.Went to undergrad and then graduate school and graduated with a Masters degree in 2006.Laid off from industry I was employed in in 2010.After brutal analysis, decided to switch professions and pursue medical school, so I had to go back to undergrad and basically redo 3 years of it in the sciences. Its been brutal but I got in.Now, just getting in was difficult enough. I need to start out on the right foot of course. Student loan trouble is going to drain me of time/ effort/ brain space I do not have to waste.At this point I have ~80k in gov student loans and ~22k in private loans. The ~22k in private loans is all from earning my Masters back in 2006.Discover Loans bought out Citibank recently. They are the ones I owe 22k. Got off the phone with them yesterday and they say they can no longer defer the loans and payments are due starting now. I am already robbing Peter to Pay Paul to get through med school (~300K in tutition and fees and living expenses these days). Ideas for dealing with this moving forward?Also, will the gov keep my loans in deferment for the next four years while I am in medical school full time?
Question Deals
Legal advice needed
Added on : Friday July 26th 2013 12:00:05 PM
g: 0 Posted By: indiana2009
Views: 138 Replies: 2 Hello everyone
I know asking legal questions on forums is not a good idea but, legal advisers are costing more than the amount of the judgement.
Short story:
While overseas pursuing a degree I received a judgment from a magisterial court. I never received certified mail from the court to appear as I was physically outside of US. My brother who has a Power of attorney was in US Army basic training. My sister in law tried to get the notice from USPS, but they even refused to show who it was from.So I was not aware of the date of hearing.However the judge decided to rule the case in plaintiffs favor.When I called the court asking to have another hearing so my brother can appear with POA, the secretary saidont ever call again that they have closed the case and it is now in the court of common pleas.Filed an appeal in the court of common pleas within 20 days and sent certified mail to other party still no response after 30 days.
Judgement amount is 1300$, already spent 150$ for filing an appeal and sending certified mail.
Here is what happened:
We have purchased tile from a local tile store in PA, where owners son was helping us to choose the right tile and stone needed for remodeling of my house. He said that we will not find them any cheaper but if we do he will give it to us for free.
Next morning my brother went to HomeDepot since he felt like we overpaid for the product and found similar ( I would say same) product 30% cheaper. So he went back to the store and asked if he can return it, explaining the situation. Owner son said that he will go to Home Depot together with my brother to check the prices (my brother never said anything about his promise to give it to us for free)Once they arrived at Home Depot, owners son started saying that it is not as good as his product and he still sold it much cheaper than he supposed to, when my brother insisted on returning the product he start yelling at him inside the HomeDepot (my brother has a video)saying that if he will come back to his store, he will call the police and tell them that he stole the product, my brother response was: but I have a receipt.
So he went back to the house picked the product and drove back to the store along with the gentleman who suggested we purchase the tile from that particular store. Once they arrived, owners son start yelling do not enter my store and called the cops.
5 minutes later 2 police cars pulled in and asked my brother and the other gentleman what happened, they explained the situation as well as provided IDs, police officers said that this is not a 1st time, they have been dispatched to this store and that the owners son needs to learn how to handle customer service issues. Also, police officers told them that they cant make him to accept the return. So my brother left and we filed a dispute with my credit card issuer ( we still had tiles, that they were supposed to give us since they didnt have them in stock) and we submitted everything and we were successful. Now a year later they filed a lawsuit and basically won since no one appeared at the hearing. As I explained earlier I was and still am overseas and my brother is serving in US Army.
Owners son was deported from US, since he overstayed his visa and was here illegally and his father thinks that we had something to do with it (so it might be a personal vendetta)
Attorneys my sister in law talked want 200$ for consultation and about 750-1200$ in fees, I just hate to pay that much since we havent received the product in full and disputed only the amount that we paid for the product that we have.
Any advice will be appreciated
I simply can not afford to pay right now
Personal Finance Deals
Pay off the mortgage?
Added on : Friday July 26th 2013 09:00:08 AM
g: 0 Posted By: GreatestGambler
Views: 142 Replies: 3 I am trying to decide if it would be a wise decision for me to pay of my mortgage.
Mortgage Payoff amount $570K (@ 3.5% for 30 year loan)
Car loan 18K @ 1.5%
Cash: 300K
Stocks: 200K
Other investment: 40K in 401K
Single income, around 200K/year (+ around 50K from stocks)
The cash is sitting in my brokerage account earning almost no interest. Stocks are doing ok, around 8 to 10% up and earning some dividend.No other investment or loan.
Age 40. Have one kid, will go to college in 8 years. No separate collage fund setup yet. But I want to pay for his college (my parents paid for mine).It may not be the best financial decision to pay the mortgage off as much as possible. But I have worked hard for this cash and dont want to risk it with wrong investment decision.After seeing all the greed in financial and banking sector over past several years, I am not very trusting on their investment advice. Thats why I invest myself in stock and did ok. But it takes too much of my time and risky, so I started cashing it and have 300K in cash with tax paid off. I can cash in remaining 200K to pay off mortgage.I am looking for easy and safe way. I will lose all extra income from stocks once pay off mortgage, but it will reduce risk and give me more free time.
Or is there other safe investment where I can get more than 3.5% interest completely risk free?
Personal Finance Deals
Nook e-Ink Simple Touch for $6.50 AC at Staples - BM - Extreme YMMV
Added on : Thursday July 25th 2013 01:00:03 AM
g: 1 Posted By: rockymast
Views: 88 Replies: 0 Travelling through Colorado, I stopped off at a Denver area Staples and saw they had the Nook Simple Touch for $36.50 as they have for some time. Out of curiosity, I asked the cashier to see if the $30 off tablet coupon works and it sure as hell does. Out the door for one at $6.50. Decided to try my luck again at another store and worked for two.SKU is 333764This deal is only available in store only. I asked the cashier to see what kind of stock was in the area and she indicated a good number of stores have this SKU still.
Tablets & iPads Deals

Staples Coupons
g: 0 Posted By: lovelybones
Views: 98 Replies: 0 Link
Not the best price I've seen. But sill not bad.
Product Details:Dishonored is an immersive first-person action game that casts you as a supernatural assassin driven by revenge. Creatively eliminate your targets with the flexible combat system as you combine the numerous supernatural abilities, weapons and unusual gadgets at your disposal. Pursue your enemies under the cover of darkness or ruthlessly attack them head on with weapons drawn. Regardless of your actions, the outcome of each mission plays out based on the choices you make. Dishonored is set in Dunwall, an industrial whaling city where strange technology and otherworldly mysticism coexist in the shadows. You are the once-trusted bodyguard of the beloved Empress. Framed for her murder, you become an infamous assassin, known only by the disturbing mask that has become your calling card. In a time of uncertainty, when the city is being besieged by plague and ruled by an oppressive government armed with neo-industrial technologies, dark forces conspire to bestow upon you abilities beyond those of any common man - but at what cost? The truth behind your betrayal is as murky as the waters surrounding the city, and the life you once had is gone forever. Improvise and Innovate - Approach each assassination with your own style of play. Use shadow and sound to your advantage to make your way silently through levels unseen by foes, or attack enemies head-on as they respond to your aggressiveness. The flexible combat system allows you to creatively combine your abilities, supernatural powers and gadgets as you make your way through the levels and dispatch your targets. Improvise and innovate to define your play style.
Action with Meaning - The world of Dishonored reacts to how you play. Move like a ghost and resist corruption, or show no mercy and leave a path of destruction in your wake. Decide your approach for each mission, and the outcomes will change as a result.
Supernatural Abilities - Teleport for stealth approaches, possess any living creature, or stop time itself to orchestrate unearthly executions! Combining your suite of supernatural abilities and weapons opens up even more ways to overcome obstacles and eliminate targets. The game's upgrade system allows for the mastery of deadly new abilities and devious gadgets.
A City Unlike Any Other - Enter an original world envisioned by Half-Life 2 art director Viktor Antonov. Arkane and Bethesda bring you a world where industry and mysticism collide, creating an atmosphere thick with intrigue. The world is yours to discover.
Invasive bookkeeper. Is this legal?
Added on : Tuesday July 23rd 2013 12:00:12 PM
g: 0 Posted By: LightHearted
Views: 94 Replies: 4 My wife works for a small nonprofit and gets reimbursed for purchases that she makes for the organization by submitting receipts to a part-time contracted bookkeeper. We decided to get my wife a credit card in her name that she can use to make all/most of her purchases for work. Yesterday, the bookkeeper asked to see her credit card statement to confirm that the money she was reimbursing was indeed being paid to the card. This is my wife's personal credit card. Is that appropriate or even legal for her to require that? Of course we do use the reimbursed funds to pay off the card, but is that any of the bookkeeper's business, or is she overstepping her bounds?Your opinions are greatly appreciated.Thanks,
LightHearted
Personal Finance Deals
Purchasing a vacation home
Added on : Monday July 22nd 2013 08:00:08 AM
g: 0 Posted By: berkeleyman
Views: 117 Replies: 0 Hi All,I am a long-time reader of FWF and now decided to get some advice from the crowd on the financial implications of purchasing a vacation home(~$90k). I've seen a few threads on this but none answer all of my questions.
So here it goes:
1) Financing - I have enough cash savings for 40-50% down-payment and can finance the rest (or even 100%) with HEL on my main house. With penfed 2.74% APR it seems a no-brainer and I foresee no problems for 10-year term. Is there a financial reason not do do it, e.g. go conventional mortgage route?2) I found the house myself and saw it with seller's agent. Now I would like to get my own representative, hopefully with buyers rebate. I saw a few companies around that advertise 2% which sounds pretty good. Should I just go with one of these or should I email some local realtors asking if they'd do this for me. Please share your experiences in finding rebate realtor.3) The house is furnished and per listing agent all the furniture stays. How do I make sure of this in the Purchase Agreement? Should there be an itemized list or ...?4)I am considering offering weekly rentals on the house with VRBO or airbnb. I am not expecting the income to afford the purchase but it's nice to have a side income. I am not sure if this deserved a separate thread but if someone is doing this I would appreciate your advice on where I should start my research on the topic to avoid legal pitfalls etc. Do I need to think about any of this in the pre-purchase stage?Thanks!
Personal Finance Deals
TurboTax Class Action Notificaiton
Added on : Monday July 22nd 2013 03:00:11 AM
g: 0 Posted By: jhall1822
Views: 162 Replies: 0 Anyone else get this?
(Legal Notice)
UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF CALIFORNIAIf You Used TurboTax Online and Opted to have your TurboTax Fees Deducted from your Tax Return for a Fee,
You May Be Eligible for a Payment from a Class Action Settlement.A $6.55 million proposed settlement has been reached in a class action lawsuit against Intuit, Inc. regarding the Refund Processing Service products ("RPS") available on TurboTax online that allow TurboTax customers to choose to pay their TurboTax fees by deducting the amount owed from their tax refund for a fee (typically $29.95). Intuit, the owner of TurboTax, denies the claims in the lawsuit and maintains there was nothing wrong with the practice. The Court has not decided which side is right.Who's Included In The Class? Intuit's records show you are a Settlement Class Member. The Settlement Class includes anyone who used TurboTax's Online Refund Processing Service, from January 12, 2008 through May 28, 2013.What Are the Settlement Terms? Intuit has agreed to establish a Settlement Fund of $6.55 million. You cannot receive a payment unless you submit a claim form. Information regarding how to fill out and submit claim forms can be found online at www.TurboTaxClassAction.com or by calling 1-888-980-9394. Claim forms may be submitted online.Your Rights May Be Affected. If you do not want to be legally bound by the settlement, you must exclude yourself by September 23, 2013. If you stay in the settlement, you may object to it by August 28, 2013. Instructions on how to exclude yourself or object are contained in the detailed notice at the website listed below. The Court will hold a hearing on September 27, 2013, at 9:00 a.m. to consider whether to approve the settlement, Class Counsel's request for attorneys' fees of up to 25% of the value of the Settlement Fund, reimbursement of expenses, and service award for the Class Representatives. You can appear at the hearing, but you do not have to. You can hire your own attorney, at your own expense, to appear or speak for you at the hearing. For more information, call or visit the website.www.TurboTaxClassAction.com
1-888-980-9394TurboTax Class Action
Settlement Administrator
c/o Heffler Claims Group
P.O. Box 220
Philadelphia, PA 19105-0220
Deal Deals
Yamaha Jim Self Replica Series Tuba Mouthpiece $59.99 + Free shippinghttp://www.wwbw.com/Yamaha-Jim-Self-Replica-Series-Tuba-Mouthpie...  32.86mm inner diameter
Standard contour
Semi-thick
Standard cup depth
8mm throat
Standard backbore
Silver-platedYamaha Jim Self Replica Series Tuba Mouthpiece
Jim Self's signature Replica Series mouthpiece embodies his years of experience playing all types of music in demanding situations. Jim doesn't like changing rims, so he uses the same mouthpiece on all his tubas. It is a medium-large rim that is comfortable to play for the many hours a day required in his work. The cup and backbore are rather large for the best combination of a good centered attack and a warm, alive sound. Jim says, "I feel more accurate on the high notes than on any previous mouthpieces, and on the low ones too." Silver-plated.Whether or not you have heard his name, you have heard the Jim Self sound. His beautiful tone and lyrical phrasing have inspired leading studio composers to write prominent tuba solos for him in their scores. He has worked in all the major Hollywood studios, performing on over 900 motion pictures and hundreds of TV shows. His solos in major films include Jurassic Park, Home Alone, Sleepless in Seattle, Star Trek VIII, and the X-Files. His tuba was the "Voice of the Mothership in Close Encounters of the Third Kind.Yamaha's Replica Series mouthpieces come after year of collaborating with hundreds of the world's best players at their R&D Ateliers. These players were unsatisfied with the commercial models out there and knew the Yamaha technicians would deliver exactly the tone and response they wanted. The demand for these mouthpieces has grown, so Yamaha decided to offer a select lineup. Each Replica Series mouthpiece is produced on a precise, computer-controlled lathe to guarantee each one is exactly the same as the one used by its namesake.
Auto Loan / Payoff
Added on : Monday July 15th 2013 06:00:07 AM
Ok here is the deal i graduated college and have a real job now and decided to go buy me a nice car 28k. I don't have any trouble making the payments on it, I just did not put any money down on it so I am around 1000-2000 upside down on it. What i am wanting to do is get a cheaper car that i can pay off and have liability and start paying extra on student loans. My question is should i go ahead and trade it in for a cheaper car with negative equity or wait till I catch up then trade it in? any advice appreciated
Multiple house offers, how to proceed
Added on : Saturday July 13th 2013 05:00:05 AM
I live in the central valley(Manteca), CA. It is mostly a commuter town of people that drive to San Jose/East Bay area. The houses are super affordable compared to the crazy prices to live in the silicon valley. I am drained by the commute and have decided to sell my house(purchased in 2010) and move closer to work. It has been on the market for 6 days and I have 6 offers so far and more likely coming in today. The house is listed for 225k.I am told by my agent, this house won't appraise for much higher than the list price. She said maybe 235k but likely about 230k, she recently got an 1100 sq ft house to appraise for 195k for reference.I have offers in the range of 231-245k. One offer simply says appraisal price plus 5k cash. There is a huge rush to buy houses in this area as you can see. I also got a cash offer for 225k. I am overwhelmed by this and would appreciate any supplemental information for when I speak with my agent next. I don't want to take the high offer if it has no chance of appraising but want to make sure I get what is fair based on what people are willing to pay.My agent mentioned asking people to add cash to offers which requires some negotiating and more time. That shouldn't take long as people would likely respond immediately but I don't want to drag this out for another couple weeks.Thanks for the help.
House sale fell through -being sued -update
Added on : Saturday July 13th 2013 03:00:04 AM
I wanted to update those interested on what has happened so far. I had stopped posting, because I was worried the seller maybe also on this forum.
Archived topic:LINK
Original post:
A little background- (very long read)
I currently have a home with several mortgages due to (2) 100 year flood, national disasters (one right after another. Lucky me) My soon to be ex-husband is not on my primary mortgage, but is on the deed.
He was pre-approved for a loan and He went to buy a home, a short sale from BOA. The process started in dec 2011. He put 1500 down as good faith money with the normal contingencys that it would pass inspection and he could obtain financing.
in Jan the seller's still could not get written approval from BOA, he extended the contract. Come March BOA finally gave him approval and he order the house inspection. Due to the sellers not putting oil in the tank or winterizing , when the house inspection started the pipes burst from being frozen and the inspector found mold. He then extended the contract hoping they would fix the home. After his agent hassled the other one for weeks asking for info/ update etc, they finally decided to fix the home because BOA offered to pay the expenses. They fixed the pipes at the end of April(yes that long!) and my ex paid to have the house re-inspected. (about 1300 total) . The sellers did not fix the mold, hoping it would pass the assement and the mold could be mitigated later. My ex agreed because BOA closing deadline was getting close. It did not pass the assessment (about $500), so my ex again extended the contract while he awaited the mold to be fixed . BOA insisted that the house must close by the 15th of June. After hassling the sellers agent again, she finally had the mold mitigation done on Jun 11th. During this time he finds out through a friend at the town hall that the town is putting a lien on the house for an unpaid water bill. The agent contacts the sellers agent and they refuse to pay it and then proceed to call the town hall and try to see if they can stick him with the water bill
The mortgage broker ordered another assessment which was finished on the 14th ($75). The mortgage broker put in all the paperwork and tries to push in the closing for the 15th. It can't be done so they push the closing to the 18th with BOA approval. Come the 18th, my ex gets a call from his buyers agent, stating the loan did not go through because he is on 2 of the house mortgages, (due to the floods). These were found by the underwriters doing a deed search. He was not aware he was on the mortgages and because he was on the deed thought when he signed the forms he was just giving permission.( He is not on the main mortgage) In the beginning, He did bring this up to the finance guy when he was running his credit and asked if he was on the mortgages and the guy said no, and In fact they never show up on his credit report.
Now because of the debt, he no longer meets the ratio and the sale fell through. His agent called him in a panic and told him to release his good faith money or that the sellers agent was going to try and keep it and sue him for her out of pocket money. (unknown to him, the sellers agent had paid to put oil in the tank, and paid for all the repairs upfront) My ex tells her he will not release the funds because the contract clearly states he has to obtain financing, or the contract is void and he gets his money back. Plus he feels as though he got screwed out of money because he had to keep getting the inspectors to go back due to her procrastinating , but she tells him that the date of the contract was never extended past March. My husband feels that if the other agent hadnt procrastinated so long the loan people would have found the mortgages and we could have tried to fix it. As it is now Im filing a Quick Claim deed and will try and call the mortgages tomorrow to have a loan novation to have him taking off ( there is no way I can refinance) .
So several questions Does anyone know why these mortgages are not showing up on his credit? Should he release the funds ? The agent has been calling him all day and insisting that he will be sued and it will be expensive. UPDATE:
My ex-husband gave back the deposit. The prepaid lawyer told him that if he gave it back, and the seller accepted it, then the seller would technically give up all legal recourse. Unfortunately, no one explained this to the seller (whom is a lawyer), because he then took my ex-husband and the mortgage broker to small claims court. The seller lost in small claims but then brought it forth to superior court. Both my ex and the mortgage broker, at this point, hired separate lawyers. The seller represented himself, (probably not a good idea). The seller argued that he made the repairs because he was going to get reimbursed by the bank when the house sold. Since the house did not sell, he felt he was entitled to the repair money from my ex. My ex's lawyer argued that: the repairs would not have had to be made if the seller had kept the house in good repair ,(by purchasing oil in the winter), that the bank was supposed to reimburse the seller and that the seller did not have a contract signed by my ex stating he would assume financial responsibility for the repairs. The lawyer also argued that the bank would not have loaned the money without the repairs and that it was up to the sellers real estate agent to have had a contract with BOA for the repair money. After my ex's lawyer reviewed all the contracts, she found that in fact there was a contract that the seller signed stating that my ex would get his deposit back no matter what if the sale fell through. After my ex gets the decision from the court, the lawyer wants to sue the seller for lawyers fees and the deposit.
As far as the house.. the joke is, once it went into foreclosure , (several weeks after this deal fell through),a new relator took the house on and sold it in 5 days for $225,000 . My ex was going to buy it for $184,000. This helps prove my argument that this whole fiasco was the sellers realtors fault.
As far as a mortgage for my ex.. I did a quick claim deed the next day. SBA would not take my ex off the loans nor do a novation. (Dealing with the SBA was a whole 'nother horror show that could fill a forum!)Due to that, my ex could not get an FHA loan but was able to do a loan through TDBank through one of their other programs. He contracted with a new realtor (it was too awkward to use the old one), and he purchased a home , (oddly enough), directly in back of the one he is being sued over! The other ironic thing was this new house also needed some repairs and my ex's realtor had a contractor contract with the bank directly so the repairs were a separate transaction from the sale of the house. That way the contractor would be paid weather the house sold or not. (something the other relator should have done and supposedly she sells multi-million dollar homes!) When the decision from the court comes through, I will update.
MyCokeRewards.com (My Coke Rewards) Mobile Deals Master Thread
Added on : Friday July 12th 2013 07:00:03 AM
I debated about whether to make this an add-on to our overall My Coke Rewards Wednesday deal master thread, or to create a new one, and decided on the later so as to keep them separate. I've been keeping an eye on the MCR mobile app to see if there is any good promise of exclusive deals, and it looks like offers are finally being populated. Just like the Wednesday deal thread, this is meant to keep track and document the mobile offers that are issued. The Wednesday deal obviously only last for 24 hours; however, it is unknown how long the mobile deals will stay live at this point.If you run across a mobile offer not posted, please add it to the list. When appropriate, I will reference the Wednesday deal archives for comparison on the deal.
Been wanting to replace my old Chaco's and decided to jump on today's DOTD at REI. When I added to my cart, I noticed the "you saved $XXX dollars" math was off indicating I saved more than what the price on the main page said. On the billing page my order total reflected the lower amount - $36.73. Not a bad deal even at 49.73, thought I'd share that there may be extra savings here. I never clicked anything about applying a dividend, so I think something may be off in their system. http://www.rei.com/outlet/deal-of-the-dayEDIT: Looks like there may be a 25% off footwear promotion that REI stacked that is running today only. But even then, the math doesn't quite work out. Thanks REI!
http://www.rei.com/outlet/promotions/outlet10daysofdeals?cm_mmc=...
REI Coupons
In the long run should I worry about how many miles I put on my car?
Added on : Thursday July 11th 2013 05:00:09 AM
Based off the upgrade my car for work thread; I am asking this because my wife is always bugging me about how many miles I put on my current vehicle. She even suggest not going out of town or bugs about going out of town stating the number of miles that will be added to the car. I have a 2008 Honda Accord 4 Door LX. It is getting close to 90,000 miles. She has also brought up the fact that being close to 90K miles I will soon need to dump alot of money into repairs. Even more reason not to drive out of town and long distance in her opinion.The bottom line is will extra miles on my accord affect me financially when I decide to sell it or trade it in? If so will it be a few $1000 or maybe just $500 bucks? The car is averaging about 15,000 miles / year.Thank you all.
Today I got out my "sockdrawered" credit cards that are still active, and destroyed and threw out the expired ones. Then with each of my open CC/debit accounts, I purchased a 90-cent Amazon GC for my own use. (We'll soon learn why that might not have been a great idea...) Like many on FWF, I've accumulated a decent number of credit cards through bonus and BT offers. I have 12 open credit card accounts (almost all with zero balances), as well as 3 debit cards (USAA, ING Electric Orange, and AMEX Serve). So that's 15 cards in total; I think Amazon still had on file various expired cards and prepaid cards I previously cashed out, but I deleted most of them today (until Amazon broke my account.) Some of the cards I used today haven't been used in 2+ years.It didn't seem like such a stupid idea at first; my anticipation was that I would get calls from half of the CC companies, I would assure them everything is a-ok (as usual), and we'd be good. (I know that very small/unusual transactions on cards are a red flag for fraud, especially if the card's been unused for a long time. 90 cent transactions at Amazon tend to be a bit unusual. So I don't blame the issuer for denying it, especially when it could be the first txn in a while.) My reason to make a small transaction/activity on each card was to reduce the likelihood of sockdrawer cards going "dormant" and possibly being closed. There's been discussion on this topic in FWF before, either on cheap transactions to keep CCs "alive" (as I tried to do) or cheap transactions to fulfill reward checking program requirements (eg 10 debit txns/month). So I decided to get cheap Amazon GCs, as I can just deposit them and buy things on Amazon like I always do (sans the 5% bonus from using Citi Forward). You can buy email gift certificates in denominations as low as 15 cents, and they send and are redeemable almost instantly. The 90 cent amount was chosen in part to see which (if any) of the dormant CCs would "cancel out" a very small bill. IIRC some issuers do/did it for statements below ~$1.As I understand, I did not do anything illegal; rather, Amazon probably just found my pattern of transactions to be sketchy. I'm buying 15 $0.90 giftcards individually using 15 different payment methods; that's probably a bit out of the ordinary. I'd figure they lose money from these low-dollar giftcard transactions (eg payment processing fees), but I figured that I'd need to do a huge volume of low-dollar txns for Amazon to take notice. At first I'd imagine they wouldn't care so much about 15 orders as they would care about bulk customers making hundreds or thousands of orders. I'd finished 14 orders, each on a different card (but all on the same Amazon account and "home" IP addy/PC) by the time I reached the 15th transaction. Surprisingly, not a single transaction had been declined so far!I think the 15th (and last) was for my AMEX Serve card, which still has the $20 on it from the signup offer. It goes through, says order is processing, and I poke around on Amazon some more. Shortly I see an Amazon login page, which just gives me the error "There was an error with your E-Mail/Password combination. Please try again." But I hadn't changed my login so I tried again, then tried changing my password...but still no dice. I can browse public content and it still acknowledges that I'm logged in, but can't access any "restricted" areas at all (ie almost anything in "Your Account" or checkout). I got the "processing order" email for the last one, but not the GC itself. (In retrospect, this may have been caused by me typing my name with middle initial as printed on most cards, whereas the Serve card only has first/last. Or they might have been planning to shut me down regardless.) It now seemed plausible that Amazon broke my account because of the recent activity, but I had received no email or notification about any problems. It seems like they disabled my account for suspicious behavior, but didn't even have the courtesy to honestly notify me of the issue. So uh oh: maybe "error with your email/password" is just Amazon-speak for "we assume you did something pretty bad"...I go to Amazon online support chat, and the rep has very limited info/power on the situation. Apparently no way to escalate; supposedly there's no live online/phone communications with the higher tier support team (it's just email). I had conversations with a couple of reps, and both asked me to provide my billing address, and the phone number for "my bank" so they can escalate the case, as they cannot handle it. (It's a little harder to give the bank contact information when you have transactions through nearly a dozen financial institutions...) So along with explaining the situation (all cards are solely in my name, and I personally hold responsibility and authorize the charges), I go along and read all 13 of the customer service phone numbers I found on my active credit/debit cards. But this information is practically public knowledge, and they know what cards I used anyway.After I provided the requested information, I'm told I'll hear back from an "Account Specialist" within 24 hours regarding my account and order (they kept the last 90-cent order floating in the air). This slightly worries me though; I've heard that Amazon is known to permanently ban "abusive" customers for things like making too many returns, or whatever else they consider "bad customer" behavior. Buying fifteen $.90 giftcards separately isn't really profitable for Amazon (with credit card fees and such). But this pales in comparison to the other business I've done with Amazon over the years (Prime, Associates, and Chase Amazon CC customer), so I wouldn't think they would drop me just because they lost a few bucks here. It seems more plausible that they would just deem me a security threat based on this incident ("sane people don't have 15 credit cards, I'm sure he's up to something"), and maybe ban me on suspicion of CC fraud or money laundering. Of course, I do not and never intended any actions relating to these crimes. Being banned from Amazon would not be fun for me But I'll have to see what I hear back from them.Have any FWFers ever dealt with Amazon over something like this, especially with many tiny orders in a short period of time? What sort of response do you usually get from them, and how does it turn out? The rep suggested that I might later be asked to send in financial documentation such as bank/credit card statements. That seems excessive to me; I might expect that for an AMEX Financial Review or something, but not for the privilege of giving my money to Amazon. Of course they're a private business, they have the right to refuse service for (almost) any reason, and so on. But I might have to rethink doing business if they actually demand financial records just for me to buy books. (plus Amazon seems to have been going downhill in recent years anyway)Any thoughts appreciated. Thanks!
American Express Blue Cash vs. Blue Cash Preferred
Added on : Tuesday July 09th 2013 06:00:11 AM
Hey guys,So I have an AMEX Blue Cash, and I was thinking about upgrading to the blue cash preferred card. I emailed them about it, and they said I was eligible for the upgrade, however I didn't get the benefit of 2 years annual fee waived with 3000 spent in the first 3 months. Now, I am trying to decide whether it's worth it to upgrade or just apply for the American Express blue cash preferred and just keep (or close) my blue cash card.Any advice would be helpful!Thanks!
Consumer Joe: Harassing Corporate America, One Letter at a Time [Kindle Edition] worth $6.99Paul Davidson (Author) http://www.amazon.com/dp/B00DRNCDHKPublication Date: July 2, 2013Publisher: Broadway Books/Crown Publishing16 Reviews ★★★★.5#17 in Kindle Store > Kindle eBooks > Humor & Entertainment > Humor > ParodiesIn the bestselling tradition of The Lazlow Letters and Letters from a Nut, screenwriter Paul Davidson has been firing off humble but humorous letters to Fortune 500 companies to find answers to such hot-button questions like why hasnt Minute Maid begun to sell an all pulp, juice-free product yet, and whether its safe to microwave a bowl of Marshmallow Fluff on high for ten minutes. And the funny thing is . . . consumer-care departments everywhere have been writing back to him, addressing his queries with deadpan seriousness.Collecting dozens of selections from Davidsons funniest correspondence, Consumer Joe uncovers why a box of fifty envelopes only contained forty-seven and how colorblind people are supposed to tell whether their Ziploc baggies (yellow and blue makes green) are properly sealed, while making numerous product-improvement suggestions along the way (such as adding Tuna Melt flavor to the Jamba Juice product line).Taking aim at the increasingly advertising-sponsored society, Consumer Joe features utterly absurd but irresistible missives to companies ranging from Barnes & Noble and Fed-Ex to Southwest Airlines and Taco Bell. Full of kvetches we all can relate to, Consumer Joe is poised to become the patron saint of every beleaguered shopper."I couldn't put it down. Some of the funniest writing since 'Seinfeld'."
-Jerry Stiller"It's hard to know which are funnier: Paul Davidson's facetious letters to Fortune 500 companies or the corporate stooges' equally clueless replies. Read Consumer Joe yourself and decide."
-Andy Borowitz, humorist for The New Yorker and author of Who Moved My Soap? The CEO's Guide to Surviving in Prison"Hilarious. Paul Davidson razzes corporate America with the swift sword of Michael Moore, the energy of Richard Simmons, the wit of Seinfeld and the grace of Gilligan. From all-pulp orange juice to plucking his unibrow, this book will have you laughing out loud...at least until you realize just what kind of country we live in. Then of course, you'll want to take it on the plane when you make your exile."
-Gwen Macsai, Author of "Lipshtick", NPR Contributor, Creator of ABC's "What About Joan"About the AuthorWhen not writing important letters, PAUL DAVIDSON writes for various film and television companies. His past projects have appeared on VH1, USA Networks, ABC, and DreamWorks TV. He lives in Los Angeles.
Buying a used car and getting auto insurance & loan
Added on : Sunday July 07th 2013 01:00:08 PM
About a year ago, I posted here on whether or not I should get a car or just lease or rent and now I have decided to buy a used car due to recently lifestyle change, I will need to travel more. I am a newbie to buying cars, especially a used car and getting an auto loan and insurance. I know my insurance is not going to be cheap since I will be a new driver (getting my license in August) in New York. I have a license back in my own country but have not driven since I came to the states about 10 years ago. So my question is, how to buy a reliable used car and get auto loan? Do I need to first get my license before I can apply for the loan/insurance? Correct me if I am wrong, in NYS, if i'm buying a car with cash in full, I do not have to get a full coverage insurance. I don't plan on getting a full coverage though and anything over $500 for the insurance is too much for me. As for the auto loan, I am just getting it to boost up my credit score, I don't really need it, so my plan is to find something that offer 6 months without interest rate kinda loan. As for buying the used cars, I have seen in my neighborhood that there are people just selling their cars, but again I am not sure how reliable they are when it comes to giving me an honest history of the car knowing that not all history will be on carfax. Btw, I live in NY, Queens area if thats helpful. I just want to know where to start to speed up the process and I can just start driving once I have my license.
Consumer Joe: Harassing Corporate America, One Letter at a Time [Kindle Edition] worth $6.99Paul Davidson (Author) http://www.amazon.com/dp/B00DRNCDHKPublication Date: July 2, 2013Publisher: Broadway Books/Crown Publishing16 Reviews ★★★★.5#17 in Kindle Store > Kindle eBooks > Humor & Entertainment > Humor > ParodiesIn the bestselling tradition of The Lazlow Letters and Letters from a Nut, screenwriter Paul Davidson has been firing off humble but humorous letters to Fortune 500 companies to find answers to such hot-button questions like why hasnt Minute Maid begun to sell an all pulp, juice-free product yet, and whether its safe to microwave a bowl of Marshmallow Fluff on high for ten minutes. And the funny thing is . . . consumer-care departments everywhere have been writing back to him, addressing his queries with deadpan seriousness.Collecting dozens of selections from Davidsons funniest correspondence, Consumer Joe uncovers why a box of fifty envelopes only contained forty-seven and how colorblind people are supposed to tell whether their Ziploc baggies (yellow and blue makes green) are properly sealed, while making numerous product-improvement suggestions along the way (such as adding Tuna Melt flavor to the Jamba Juice product line).Taking aim at the increasingly advertising-sponsored society, Consumer Joe features utterly absurd but irresistible missives to companies ranging from Barnes & Noble and Fed-Ex to Southwest Airlines and Taco Bell. Full of kvetches we all can relate to, Consumer Joe is poised to become the patron saint of every beleaguered shopper."I couldn't put it down. Some of the funniest writing since 'Seinfeld'."
-Jerry Stiller"It's hard to know which are funnier: Paul Davidson's facetious letters to Fortune 500 companies or the corporate stooges' equally clueless replies. Read Consumer Joe yourself and decide."
-Andy Borowitz, humorist for The New Yorker and author of Who Moved My Soap? The CEO's Guide to Surviving in Prison"Hilarious. Paul Davidson razzes corporate America with the swift sword of Michael Moore, the energy of Richard Simmons, the wit of Seinfeld and the grace of Gilligan. From all-pulp orange juice to plucking his unibrow, this book will have you laughing out loud...at least until you realize just what kind of country we live in. Then of course, you'll want to take it on the plane when you make your exile."
-Gwen Macsai, Author of "Lipshtick", NPR Contributor, Creator of ABC's "What About Joan"About the AuthorWhen not writing important letters, PAUL DAVIDSON writes for various film and television companies. His past projects have appeared on VH1, USA Networks, ABC, and DreamWorks TV. He lives in Los Angeles.
Moods and Markets: A New Way to Invest in Good Times and in Bad (Minyanville Media) [Kindle Edition] was $39.99Peter Atwater (Author) http://www.amazon.com/dp/B008J8RCTWPublication Date: July 6, 2012Publisher: FT Press25 Reviews ★★★★#6 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing#6 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > FinanceLeading consultant and Minyanville contributor Peter Atwater has helped institutional investors, corporations and policymakers map changing social moods to emerging market shifts, and use that knowledge to identify huge new market opportunities. Now, Atwater shows you how to use the same powerful Horizon PreferenceTM approach to select your own high-performance investments. Utilizing what is often in plain sight, but overlooked and underestimated, Horizon Preference helps you understand how we narrow our physical, time and relationship horizons to the "local" in bad times, and widen them to the "global" in better times and then translate that knowledge into better investment decisions. Atwaters Moods and Markets offers powerful new insights into everything from market bubbles to the real challenges of making mergers work why "farm to table" and "locavore" movements are booming now, and whats likely to happen next why Americans now want to rent homes even though its become far more affordable to buy them why the "Arab Spring" is bullish, and higher education is in deep trouble which businesses prosper in a downturn, which prosper most in an upturn and why. This book will be an invaluable resource for every serious investor, trader, and money manager.Peter Atwater has used his exclusive Horizon Preference approach to help top asset managers, major endowments, and hedge funds map changes in social moods to shifts in the markets and to identify huge new market opportunities. Now, he shows serious investors how to use the same powerful techniques these top global investors already rely on.  Building on insights from Elliott Wave Theory and Robert Prechters work in socionomics, Moods and Markets shows how we naturally narrow our physical, time, and relationship horizons to the local in bad times and widen them to the global in better times. Atwaters easy-to-understand framework helps investors quickly identify the direction of social mood and the markets using readily available, but frequently overlooked, clues from the world around us. To Atwater there is no coincidence to the Occupy Wall Street movement, The Hunger Games, Downton Abbey, farm-to-table dining, and the rise of Facebook with our volatile stock markets today. Moods and Markets explains why.  Through numerous recent real-life examples, readers will gain deeper insights into short- and long-term investment trends in virtually every key market sector. Along the way, Atwater helps you to identify the consistent mood-based characteristics of market turning points that dont show up in conventional analysisand that can disastrously impact your portfolio if you miss them.  Moods and Markets explains: The difference between mood and emotionand why mood matters more How to use mood to identify significant market tops and bottoms How changing moods drive public sector decisions that impact your portfolio Todays market mood and where we may be headedand how to decide for yourself
About the AuthorPeter Atwater is President of Financial Insyghts, a consulting firm providing advice to institutional investors, major corporations, and global policymakers on how social mood affects decision making, the economy, and the markets. A pioneer in securitization and a long-time financial services executive, through Moods and Markets, Peter brings his innovative social mood-based thinking to the world of investing. A regular contributor to Minyanville, Peters work on social mood and decision making has been featured in The Socionomist, Time Magazine, and The Financial Times.
Amazon Coupons
Comcast pulled credit without my permission
Added on : Monday July 01st 2013 12:00:06 AM
I will be moving soon and yesterday I decided to look for a new internet service provider. I spoke with a Comcast representative via chat to find out what the best current rates were, and after some time she asked if she could pull my credit. I said "No, do not pull my credit" and left the conversation. I did not subscribe to any service, nor did I make a purchase with them.Today I checked my credit report and saw a hard inquiry from Comcast. What can I do in this case? After a quick google search it looks like there are tons of people who experienced the same thing, but nobody has found a good solution to the problem.
OK guys and gals,,,, this is my very first post so I would appreciate you all being gentle.I was looking for a decent wireless router that I could plug a TiVo Stream into and after looking up some info I decided on the Linksys EA4500. I couldn't find this router for less than $100 bucks anywhere so I wandered over to the Linksys site and found it for $84.99 manufacturer refurbished. Thought that was a great deal so I'm taking the plunge into posting for my very first time. Hope you all benefit. If not, feel free to educate me just be nice.http://store.linksys.com/Routers/Linksys-EA4500-Refurbished-Dual...
CC applications, to apply or not
Added on : Thursday June 27th 2013 07:00:11 AM
Hi all, you may remember me from previous AOR's, I'm now at the point of doing another few apps and I have to decide between today and tomorrow, and I have about 2 hours to decide, hoping for some quick insight if possible.All my accounts are reporting 0 balance on credit report, my score with USAA is showing 750. Even though my balance on my CR is 0, my only chase card is maxed at 2k out of 2k, and I am applying for a chase card. I made a payment to chase yesterday, but it won't show a 0 balance till tomorrow. My Issue is that my statement with discover cuts today and is going to report as maxed out. I have experian frozen, so only EQ and TU can be pulled for CC applications, but if discover updates those reports quickly my score will drop 30 points. I don't think EQ or TU will update by tomorrow, but I can't find anything useful via google and was hoping someone here had some experience. Should I risk my discover reporting as maxed and wait till the chase payment clears tomorrow, or apply with chase maxed while my score is still a 750 today?Thanks.
Insight on sight seeing at Washington DC
Added on : Wednesday June 26th 2013 04:00:08 PM
I am planning on visiting Washington DC during the labor weekend. I am looking at spending two days there and would want to see as much as possible on a tight budget. Apart from the monuments I am also planning to visit the Smithsonian and Ripley's. I looked online for cheap tours but they all seem to be the same and I am not able to decide as to which one is good/reliable and if I have to pay additional entry fees to visit the Smithsonian and the monuments( white house visitor center, etc). Any insight and advice would be greatly appreciated.
Newbie hemhorraging cash!
Added on : Wednesday June 26th 2013 09:00:09 AM
I've been reading this forum for awhile and decided to just jump in and post. This summer is really kicking my butt, financially. It seems like every week there is a new expense and they are NOT small expenses. I have been bleeding cash for weeks. I'm trying to come up with a budget and figure out why my savings isn't growing, but each week a new bill. ugh.I just got my daughter's car fixed at a tune of $3K! And now, I go in tomorrow to see how much my minor surgery is going to cost me and then I need to decide how to pay for it.
HAPPYBABY Happy Tot Organic 16-pack of 4.22oz pouches (that's over 20% more than the usual 3.5oz pouches) on Amazon for $12.39 and up (depending on flavor) after coupon + Amazon Mom OR 5+ Subscribe & Save + free shipping:
http://www.amazon.com/gp/product/B0030VJ79Q(1) Clip the 15% coupon on the product page (scroll down, remember to clip it AFTER you decide on flavor--it's a separate/different coupon PER flavor)(2) Choose the Subscribe & Save option for purchase to get another 15% off (you can always cancel anytime afterwards) if you are an Amazon Mom member (free signup here: http://www.amazon.com/gp/mom/signup if you've never had a free Prime trial before) OR if you subscribe to 5+ subscriptions per month (each order or flavor counts as a separate subscription). For those who are Amazon Mom + Prime members, you get even a better deal with 20% off instead of just 15% off.List of Flavors & Prices (after 15% coupon + 15% S&S):
Happy Tot - Stage 4: Banana, Peach, Prunes and Coconut - orig $17.69 => $12.39
Happy Tot Organic Baby Food, Butternut Squash and Apple - orig $18.52 => $12.96
Happy Tot Organic Baby Food, Stage 4, Banana, Peach and Mango - orig $20.64 => $14.44
Happy Tot Organic Baby Food, Green Bean, Pear and Pea - orig $20.64 => $14.44
Happy Tot Organic Baby Food, Sweet Potato, Apple, Carrot and Cinnamon - orig $20.64 => $14.44
Happy Tot Organic Baby Food, Stage 4, Spinach, Mango and Pear - orig $20.88 => $14.62
Happy Tot Organic Variety Pack Pouches, Spinach Mango Pear and Green Bean Pear Pea - orig $22.99 => $16.09All the Greek Yogurt flavors are a lot more expensive (~$30+) and hence, not included in the list above.
Amazon Coupons
Best Way to Get Car for 3 Months
Added on : Sunday June 23rd 2013 10:00:09 PM
If you haven't heard, I work for a traveling circus (there's another thread about more details, I'm trying to steer clear of circus conversation here, check the blog (www.workingforpeanuts.biz) or the FWF thread on the topic (http://www.fullofdeals.com/forums/finance/1270774/) for anything about that).Tomorrow I roll into Phoenix and the week after I will spend around 2-3 months in California with very short drives from city to city (note, personal vehicles must be driven from city to city). Having a car would be a nice amenity for the few months, but I would want to get out of it before October because at that point we'll be leaving California and the drives would be brutally long.I would be buying this car probably in Fresno and wanting to get rid of it in Sacramento or Stockton. This means any solution would have to work "one-way"I see a few possible approaches to acquiring a car:
1. Monthly rentals - My brief research suggests this would be 700+ per monthPros:
-No hassle - pick up the car when/where I want and drop it off somewhere else.
-Reliable newer carCons:
-Base model economy car
-Expensive (the few places I've seen are $500-800+ per month)
2. Buy a crown vic (like this one in Phoenix http://phoenix.craigslist.org/cph/cto/3890707483.html ) or similar cheap carPros:
-Cheap enough that if I dump a $1,000 for $250 scrap (worst case scenario) I can live with itCons:
-No idea where I would get plates/tags/insurance. I'm a resident of Florida (legally) with my "permanent residence" in Ohio. I could (in theory) use the address of an arena, but that seems ripe for issues.
-I really need a car that will be reliable, maintenance will be very hard as my home moves every week or so.
-Have to try to sell the car and deal with those hassles later3. Buy a nicer used car (10-20k) and hope that over 3 months I can just flip it and break even.Pros:
-Better car/reliableCons:
-Huge cash outlay
-Would want full coverage (more expensive)
-Big downside risk when I go to sell.
-Same plates/tags issue
-I assume sales tax could be more expensive than a cheap car (not sure of California tax laws)I'm trying to decide whether this is a wise idea at all or if I should just use cabs/buses and Uber (which I love and use to move performers around whenever I can) and if I spend $2,000 on cabs then it's a break even without all the hassles.Questions:
1. What am I overlooking?
2. Is there any California issues that are dealbreakers I'm not aware of?
3. What would be the best car to try and flip (including but not limited to Crown Vic)
4. Any California FWFers want to "rent" a Crown Vic to me for 3 months?
5. What (of these options) would have the lowest total cash outlay (net car cost + tax/title/license + insurance)
Short Term Car Purchase in California
Added on : Sunday June 23rd 2013 07:00:09 PM
If you haven't heard, I work for a traveling circus (there's another thread about more details, I'm trying to steer clear of circus conversation here, check the blog (www.workingforpeanuts.biz) or the FWF thread on the topic (http://www.fullofdeals.com/forums/finance/1270774/) for anything about that).Tomorrow I roll into Phoenix and the week after I will spend around 2-3 months in California with very short drives from city to city (note, personal vehicles must be driven from city to city). Having a car would be a nice amenity for the few months, but I would want to get out of it before October because at that point we'll be leaving California and the drives would be brutally long.I would be buying this car probably in Fresno and wanting to get rid of it in Sacramento or Stockton. This means any solution would have to work "one-way"I see a few possible approaches to acquiring a car:
1. Monthly rentals - My brief research suggests this would be 700+ per monthPros:
-No hassle - pick up the car when/where I want and drop it off somewhere else.
-Reliable newer carCons:
-Base model economy car
-Expensive (the few places I've seen are $500-800+ per month)
2. Buy a crown vic (like this one in Phoenix http://phoenix.craigslist.org/cph/cto/3890707483.html ) or similar cheap carPros:
-Cheap enough that if I dump a $1,000 for $250 scrap (worst case scenario) I can live with itCons:
-No idea where I would get plates/tags/insurance. I'm a resident of Florida (legally) with my "permanent residence" in Ohio. I could (in theory) use the address of an arena, but that seems ripe for issues.
-I really need a car that will be reliable, maintenance will be very hard as my home moves every week or so.
-Have to try to sell the car and deal with those hassles later3. Buy a nicer used car (10-20k) and hope that over 3 months I can just flip it and break even.Pros:
-Better car/reliableCons:
-Huge cash outlay
-Would want full coverage (more expensive)
-Big downside risk when I go to sell.
-Same plates/tags issue
-I assume sales tax could be more expensive than a cheap car (not sure of California tax laws)I'm trying to decide whether this is a wise idea at all or if I should just use cabs/buses and Uber (which I love and use to move performers around whenever I can) and if I spend $2,000 on cabs then it's a break even without all the hassles.Questions:
1. What am I overlooking?
2. Is there any California issues that are dealbreakers I'm not aware of?
3. What would be the best car to try and flip (including but not limited to Crown Vic)
4. Any California FWFers want to "rent" a Crown Vic to me for 3 months?
5. What (of these options) would have the lowest total cash outlay (net car cost + tax/title/license + insurance)
FREE Color Ring for All Customs
Added on : Sunday June 23rd 2013 04:00:05 PM
LINKDon't know how to decide your hair color & choose the right color hair extensions, get yourself a FREE color ring to help you.Original: $15.99
Now: $0 + $5.95 Shipping
-$5.95 Points in return
Finally: FREEHow to get it:
1. Choose the color ring shades that are right for you: Light Colors Human Hair Color Ring and Dark Color Human Hair Color Ring.
2. To cover the coset of shipping and handling, they will charge a $5.95 fee BUT they will immediately apply a $5.95 value points credit to your account in return. These points may be used for your next purchase and no minimum or other restrictions apply.
3. Only one free color ring per customer.
4. The offer ends July 5.
Asus | Memo Pad Tablet | 16gb / 32gb 7" | Newgg | $129
Added on : Sunday June 23rd 2013 04:00:02 AM
This has been price matched at several merchants now so pick your favorite. Sams/Amazon/Newegg.16gb @ Newegg - $129 - [l]http://www.newegg.com/Product/Product.aspx?Item=N82E16834230981[/l]
16gb @ Amazon - $127 - [l]http://www.amazon.com/ASUS-MeMO-ME172V-A1-GR-7-0-Inch-Tablet/dp/B00BDS25VA/[/l]
16gb @ Sam's- $128.86- [l]http://www.samsclub.com/sams/asus-memo-pad-7-inch-me172v-a1-gr/prod9590119.ip?navAction=push[/l]32gb @ Sam's (White) - $149 - [l]http://www.samsclub.com/sams/asus-memo-pad-tablet-me172v-white/prod9100207.ip[/l]
So lets give a little more info about this tablet than just where to buy and how much.The Good
It's very reasonability priced
It has a MicroSD Slot
JellyBean (Andriod 4.1)The TradeOff
No rear facing camera
Duo Core processor (Nexus 7 has quad)
Screen isn't as nuce at higher priced tablets
Others have complained about the sound lagging a bit while streaming but I've done streaming with much less power and I am not sure that I believe that will be an issue. Utlimately I am going to use this tablet for my 3 year daughter, I decided to go with this over the Nexus 10 which I have for myself (well really for her right now I've seen the Nexus 7 starting to drop to $179 so it's still around $50-$70 more. For a lot of people it may be worth spending a bit more on the Nexus 7 but for me the Memo Tablet was right. Hope this helps you make your choice 
12 Free Fiction Kindle eBooks @Amazon
Added on : Saturday June 22nd 2013 09:00:07 AM
Hidden Moon http://www.amazon.com/Hidden-Moon-Keeper-Saga-ebook/dp/B00D1DL6B...
Seventeen year-old Nikki Harmon knows that her life will never be the same. Forced to move after her father's death, she was determined to keep what was left of her life together--even if she couldn't get cell service. What she didn't know, was that she would encounter mythical creatures in her quest to solve the mystery of the Trail Killer, and that she would be torn by her feelings for two very different guys. As she unearths the deadliest secrets of all...will she lose her heart to one of them? Or will she lose her life?A Dress In Red http://www.amazon.com/A-Dress-In-Red-ebook/dp/B00DGAJV06
Love, betrayal, murder...
Mary Klingforth is an awkward seventeen-year-old girl with love on her mind and a crush on the most popular jock in school, but the Candy Apples mean girls gang torment her and stand in the way of her dreams. Then one day, Mary falls madly in love with a tattered red velvet dress at an estate sale. Despite its condition, Mary just had to have it. Marys best friend, Lisa, fears the dress from the moment she touches it and sees a sinister presence lurking deep within it. It isnt long before Marys family, friends, and enemies discover what happens when you tangle with a woman wearing a dress in red.You dont own this dress. It owns you.Colin's Boys http://www.amazon.com/Colins-Boys-ebook/dp/B00D5ETP7W
Andrew Stalker is sixteen and is hunting out death on the streets. A year has passed since his brother's murder and he blames himself, feeling that his parents would have preferred him to die instead of Kevin. Andrew is an angry boy with few friends, alienating everyone by his attitude - and because an aura of loathing and the smell of the grave accompanies him. One boy, Alan Turner, wants to help but Alan has a secret in his own past. Then there is the whispering, a commanding and insistent sound that rises from some concealed place beneath the heart, from the point of the soul itself. The central Whisper is Colin, who himself was murdered as a child. It was too soon for him to leave this existence and so he has to wait, suspended in and out of time until his day to die arrives. But Colin cannot rest in peace and he enlists the forces of other whispers to control the minds of the living, seeking revenge on a society that allowed them to die. Andy believes that Colins whisper is the product of his tormented imagination but he comes to realize that it is a part of his life - and of how many lives Colin will destroy to satisfy his thirst for revenge. Yet someone else is walking the streets, someone alive, someone whose only mission is to leave a trail of destruction and brutal deaths as he once more passes through the town.When It Reigns http://www.amazon.com/When-It-Reigns-ebook/dp/B00DHSIPUO
In the sleepy community of Ravenswood Illinois, Detective Logan Crenshaw becomes entangled in the brutal slayings of two sisters. When the body count rises, secrets buried deep within his subconscious begin to surface. His only salvation is a childhood friend turned priest.
When It Reigns is a psychological horror linking a killer, detective and priest; with sexual taboos, demonic possession, religious strife and paranormal activity. The Haunting of Tyler May http://www.amazon.com/The-Haunting-Tyler-May-ebook/dp/B009K6WNE6
As Tyler May empties her classmate's bag she discovers a secret that turns her life upside down and challenges her perception of the known world. She begins a journey that takes her from the hunted to the hunter; from a disbeliever to the keeper of the truth. Will she and her friends have the courage to stand together and face the sinister forces that threaten humanity? As each day passes, Tyler must decide how far she is willing to go. After all, she is just one teenage girl.The Damned Summer http://www.amazon.com/Damned-Summer-Ruin-Trilogy-ebook/dp/B009OL...
When the paths of good and evil intersect, the resulting conflict can sometimes result in a scarring of the place where it happened. The town of Storm, Illinois is one such place, for long ago, a battle that resulted in a stalemate between the two forces had left a powerful imprint on the soil, an imprint that seems to scream out to the cosmos for a rematch, as if the land yearns for the battle to be finished so it can finally heal. The demon from the original fight hungers for the rematch as well, in desperate need for the prize that was fought for, a prize that seems to have finally returned to the mortal world after nearly 500 years. A prize that is held among a group of teenagers whose main focus is partying and having a great summer before their senior year. Easy prey as far as the demon is concerned. The side of good in this conflict is an ageing Vietnam vet and his small dog. The vet spent his youth running with the demon, but now fights against it every night in the meeting grounds of the physical world and the spiritual world, the place known as dreams. It is in this summer of celebration and sin that the final clash between the demon and the old man with his dog will finally come to an end. A summer where the older generation fights for the souls of the oblivious younger generation. A battle that will not only determine the fate of the teens, but also those close to them as well. The Remnant: Awakening http://www.amazon.com/The-Remnant-Awakening-Immortals-ebook/dp/B...
Karra has lived in the Cresthaven Psychiatric Hospital all her life, convinced that the things that she sees every minute of every day are all a hallucination. On the eve of her sixteenth birthday, Karra learns the truth, that everything she sees is real. Now Karra will enter a world of magic and swordplay whilst she tries to stay one-step ahead of the forces that hunt her. Her journey will take her to the very edge of her abilities and perhaps her sanity, as she learns the intricacies of magic as well as the secrets of her mysterious past.
Beware the shadowsthey are everywhereand they are hungryThe Hiders http://www.amazon.com/The-Hiders-ebook/dp/B0083WH03W
Cora, wakes up in a hospital to find out she died; only now, her body is miraculously healing. Then she meets others who have this same gift. And somehow they know her. They tell her stories of a life she once hada life, they say, she must begin again. They call themselves the Hiders and they are immortal. An underworld of Hiders with their own set of rules, wars, and way of life, walk amongst humans. An entire superior bloodline that has been struggling to remain unnoticed in order that all can live peacefully. Cora finds that here in their world, shes loved and hated. Here, a family and past romances have been awaiting her return yet shes a criminal for crimes she cannot remember. Some have come to protect her and others to destroy her. She must learn why she is special and try to remember her life as a Hider so that she may prove her innocence.Everburn http://www.amazon.com/Everburn-ebook/dp/B006PKXGBO
Ponce is thrust into the center of an ancient wager between the same cosmic leadersSotare and Perfidious, good versus evilwho hold Lencias future in their hands. Through redemption and love, Sotare uses Ponce to try and heal a broken world while Perfidious uses him to destroy it. The love of a woman sent to tempt Ponce will determine the victor and restoreor destroy.
More C.S. Lewis than J.R.R. Tolkien, Bunchs debut is a sweeping epic that strips bare the dangers of conformity and reminds us all that great things can be accomplished with nothing more than devoted friends and unflagging perseverance. His multi-layered allegory has a mythological complexity rarely seen in the fantasy genre, looking far beyond the physical world to expose universal, underlying truths as razor sharp dialogue and well-developed characters drive this rich, detailed world toward its ultimate date with destiny. A riveting journey full of danger, intrigue, and almost unbearable tension, Everburn signals the arrival of an important new voice in the world of fantasy.The Book of Abisan http://www.amazon.com/The-Book-of-Abisan-ebook/dp/B00D1CLT3Q
Do you believe in destiny? When two worlds collide a new hope is born. Yfrey is lost, alone in a world where her kind is persecuted. She has one hope, to find The Roghnaithe, one who is destined to help save her world from destruction by a tyrannical ruler. The Book of Abisan crosses multiple realities to follow the lives of two very different women, as they come together to battle armies, as well as their own personal demons. Step into an exciting world of adventure, magic and alternate realities in this fast paced, action packed fantasy. Ranger http://www.amazon.com/Ranger-ebook/dp/B00DFPQT5W
Ranger is a young wolf, the only survivor of a murderous attempt to kill his entire family, who learns that he has magical powers. This is the story of how he deals with the tragic loss of his family while learning to harness his newly discovered powers to satisfy his innate desire to help others.Beatific http://www.amazon.com/Beatific-Blood-Vampires-Novel-ebook/dp/B00...
I, Constance Ferrer, ached to be more than just a novice vampirea mere underling and fodder to the elite of the Blood Kin, an ancient, powerful, and cunning horde. I thrilled when Psylas, my maker, appointed me to a simple, routine assignment that yanked me well beyond my ordinary reach, finally granting me a chance to elevate in the ranks. But when that feat thrust me to the forefront of an unravelling prophecy, I found myself pitted between vicious factions vying for the possession of the cherished Truth and Peace. Suspicious of the prophecy itself, yet trapped within the sanctuary of its protectors, my previously bleak and mundane existence blooms into a frightening adventure. How does a weak and inexperienced vampire such as myself successfully sift through increasingly elusive schemes? How does she sort out a sudden influx of supposed allies and enemies? How does she determine who or what to fight or trust? And when presented with convenient comfortsCyriel, an epicurean, share-the-fun vampire; his lavish and libertine accommodations; and Huijghe, his strangely enamored and seriously decadent humanshould she dare indulge, if even just for a brief reprieve?
12 Free Kindle eBooks @Amazon
Added on : Saturday June 22nd 2013 08:00:06 AM
Hidden Moon http://www.amazon.com/Hidden-Moon-Keeper-Saga-ebook/dp/B00D1DL6B...
Seventeen year-old Nikki Harmon knows that her life will never be the same. Forced to move after her father's death, she was determined to keep what was left of her life together--even if she couldn't get cell service. What she didn't know, was that she would encounter mythical creatures in her quest to solve the mystery of the Trail Killer, and that she would be torn by her feelings for two very different guys. As she unearths the deadliest secrets of all...will she lose her heart to one of them? Or will she lose her life?A Dress In Red http://www.amazon.com/A-Dress-In-Red-ebook/dp/B00DGAJV06
Love, betrayal, murder...
Mary Klingforth is an awkward seventeen-year-old girl with love on her mind and a crush on the most popular jock in school, but the Candy Apples mean girls gang torment her and stand in the way of her dreams. Then one day, Mary falls madly in love with a tattered red velvet dress at an estate sale. Despite its condition, Mary just had to have it. Marys best friend, Lisa, fears the dress from the moment she touches it and sees a sinister presence lurking deep within it. It isnt long before Marys family, friends, and enemies discover what happens when you tangle with a woman wearing a dress in red.You dont own this dress. It owns you.Colin's Boys http://www.amazon.com/Colins-Boys-ebook/dp/B00D5ETP7W
Andrew Stalker is sixteen and is hunting out death on the streets. A year has passed since his brother's murder and he blames himself, feeling that his parents would have preferred him to die instead of Kevin. Andrew is an angry boy with few friends, alienating everyone by his attitude - and because an aura of loathing and the smell of the grave accompanies him. One boy, Alan Turner, wants to help but Alan has a secret in his own past. Then there is the whispering, a commanding and insistent sound that rises from some concealed place beneath the heart, from the point of the soul itself. The central Whisper is Colin, who himself was murdered as a child. It was too soon for him to leave this existence and so he has to wait, suspended in and out of time until his day to die arrives. But Colin cannot rest in peace and he enlists the forces of other whispers to control the minds of the living, seeking revenge on a society that allowed them to die. Andy believes that Colins whisper is the product of his tormented imagination but he comes to realize that it is a part of his life - and of how many lives Colin will destroy to satisfy his thirst for revenge. Yet someone else is walking the streets, someone alive, someone whose only mission is to leave a trail of destruction and brutal deaths as he once more passes through the town.When It Reigns http://www.amazon.com/When-It-Reigns-ebook/dp/B00DHSIPUO
In the sleepy community of Ravenswood Illinois, Detective Logan Crenshaw becomes entangled in the brutal slayings of two sisters. When the body count rises, secrets buried deep within his subconscious begin to surface. His only salvation is a childhood friend turned priest.
When It Reigns is a psychological horror linking a killer, detective and priest; with sexual taboos, demonic possession, religious strife and paranormal activity. The Haunting of Tyler May http://www.amazon.com/The-Haunting-Tyler-May-ebook/dp/B009K6WNE6
As Tyler May empties her classmate's bag she discovers a secret that turns her life upside down and challenges her perception of the known world. She begins a journey that takes her from the hunted to the hunter; from a disbeliever to the keeper of the truth. Will she and her friends have the courage to stand together and face the sinister forces that threaten humanity? As each day passes, Tyler must decide how far she is willing to go. After all, she is just one teenage girl.The Damned Summer http://www.amazon.com/Damned-Summer-Ruin-Trilogy-ebook/dp/B009OL...
When the paths of good and evil intersect, the resulting conflict can sometimes result in a scarring of the place where it happened. The town of Storm, Illinois is one such place, for long ago, a battle that resulted in a stalemate between the two forces had left a powerful imprint on the soil, an imprint that seems to scream out to the cosmos for a rematch, as if the land yearns for the battle to be finished so it can finally heal. The demon from the original fight hungers for the rematch as well, in desperate need for the prize that was fought for, a prize that seems to have finally returned to the mortal world after nearly 500 years. A prize that is held among a group of teenagers whose main focus is partying and having a great summer before their senior year. Easy prey as far as the demon is concerned. The side of good in this conflict is an ageing Vietnam vet and his small dog. The vet spent his youth running with the demon, but now fights against it every night in the meeting grounds of the physical world and the spiritual world, the place known as dreams. It is in this summer of celebration and sin that the final clash between the demon and the old man with his dog will finally come to an end. A summer where the older generation fights for the souls of the oblivious younger generation. A battle that will not only determine the fate of the teens, but also those close to them as well. The Remnant: Awakening http://www.amazon.com/The-Remnant-Awakening-Immortals-ebook/dp/B...
Karra has lived in the Cresthaven Psychiatric Hospital all her life, convinced that the things that she sees every minute of every day are all a hallucination. On the eve of her sixteenth birthday, Karra learns the truth, that everything she sees is real. Now Karra will enter a world of magic and swordplay whilst she tries to stay one-step ahead of the forces that hunt her. Her journey will take her to the very edge of her abilities and perhaps her sanity, as she learns the intricacies of magic as well as the secrets of her mysterious past.
Beware the shadowsthey are everywhereand they are hungryThe Hiders http://www.amazon.com/The-Hiders-ebook/dp/B0083WH03W
Cora, wakes up in a hospital to find out she died; only now, her body is miraculously healing. Then she meets others who have this same gift. And somehow they know her. They tell her stories of a life she once hada life, they say, she must begin again. They call themselves the Hiders and they are immortal. An underworld of Hiders with their own set of rules, wars, and way of life, walk amongst humans. An entire superior bloodline that has been struggling to remain unnoticed in order that all can live peacefully. Cora finds that here in their world, shes loved and hated. Here, a family and past romances have been awaiting her return yet shes a criminal for crimes she cannot remember. Some have come to protect her and others to destroy her. She must learn why she is special and try to remember her life as a Hider so that she may prove her innocence.Everburn http://www.amazon.com/Everburn-ebook/dp/B006PKXGBO
Ponce is thrust into the center of an ancient wager between the same cosmic leadersSotare and Perfidious, good versus evilwho hold Lencias future in their hands. Through redemption and love, Sotare uses Ponce to try and heal a broken world while Perfidious uses him to destroy it. The love of a woman sent to tempt Ponce will determine the victor and restoreor destroy.
More C.S. Lewis than J.R.R. Tolkien, Bunchs debut is a sweeping epic that strips bare the dangers of conformity and reminds us all that great things can be accomplished with nothing more than devoted friends and unflagging perseverance. His multi-layered allegory has a mythological complexity rarely seen in the fantasy genre, looking far beyond the physical world to expose universal, underlying truths as razor sharp dialogue and well-developed characters drive this rich, detailed world toward its ultimate date with destiny. A riveting journey full of danger, intrigue, and almost unbearable tension, Everburn signals the arrival of an important new voice in the world of fantasy.The Book of Abisan http://www.amazon.com/The-Book-of-Abisan-ebook/dp/B00D1CLT3Q
Do you believe in destiny? When two worlds collide a new hope is born. Yfrey is lost, alone in a world where her kind is persecuted. She has one hope, to find The Roghnaithe, one who is destined to help save her world from destruction by a tyrannical ruler. The Book of Abisan crosses multiple realities to follow the lives of two very different women, as they come together to battle armies, as well as their own personal demons. Step into an exciting world of adventure, magic and alternate realities in this fast paced, action packed fantasy. Ranger http://www.amazon.com/Ranger-ebook/dp/B00DFPQT5W
Ranger is a young wolf, the only survivor of a murderous attempt to kill his entire family, who learns that he has magical powers. This is the story of how he deals with the tragic loss of his family while learning to harness his newly discovered powers to satisfy his innate desire to help others.Beatific http://www.amazon.com/Beatific-Blood-Vampires-Novel-ebook/dp/B00...
I, Constance Ferrer, ached to be more than just a novice vampirea mere underling and fodder to the elite of the Blood Kin, an ancient, powerful, and cunning horde. I thrilled when Psylas, my maker, appointed me to a simple, routine assignment that yanked me well beyond my ordinary reach, finally granting me a chance to elevate in the ranks. But when that feat thrust me to the forefront of an unravelling prophecy, I found myself pitted between vicious factions vying for the possession of the cherished Truth and Peace. Suspicious of the prophecy itself, yet trapped within the sanctuary of its protectors, my previously bleak and mundane existence blooms into a frightening adventure. How does a weak and inexperienced vampire such as myself successfully sift through increasingly elusive schemes? How does she sort out a sudden influx of supposed allies and enemies? How does she determine who or what to fight or trust? And when presented with convenient comfortsCyriel, an epicurean, share-the-fun vampire; his lavish and libertine accommodations; and Huijghe, his strangely enamored and seriously decadent humanshould she dare indulge, if even just for a brief reprieve?
Car sales tax in NYC and NH
Added on : Saturday June 22nd 2013 04:00:10 AM
Hello,I have two houses one in NYC and one in NH. We spend about 30% of time in NH and I am looking to buy a second car for use mostly in NH. I have also NY State driver license. Ultimately our plan is to leave NYC and move to NH (or maybe buy another house in Boston) over the next two years. If I buy and register a car in NYC then I have to pay almost 9% tax and then if we were to move to NH we will have to pay a yearly excise tax that could add up to as much as 9% of car value over time as well. Can I buy and register the new car in NH instead even with NY driver license? Do I still have to pay a NYC/state tax if a year or two from now we change our mind, stay in NYC and decide to register the car in NYS. Thank you very much for any advice.
The Grave Gourmet by Alexander Campion
Ends 6/25
Genre Mysteries
From the Champs-lyses to the twinkling banks of la Seine, chic Parisian policewoman Capucine LeTellier plunges into a uniquely Parisian affair of gastronomic delights and bureaucratic intrigue to close a case that could make her career-or kill it
After dining on such delicacies as oyster sorbet and avocado souffl, Jean-Louis Delage, prsident of automotive giant Renault, has been found dead in the freezer of Le Diapason, a three-star restaurant owned by Chef Jean-Basille Labrousse, a renowned restaurateur extraordinaire.Capucine is uniquely suited to the case, as her husband Alexandre is a food critic well-connected to the culinary world. In between sharing sumptuous meals and fine wine with Alexandre at Paris finest eateries, Capucine struggles to win the respect of her new squad of detectives and crack both the case and the guarded secrets of the restaurant staff.Praise for Alexander Campions The Grave Gourmet
"Full of amusing characters Readers will want a second helping. -Publishers Weekly"A delicious mystery a fun book with a very different flavor. -Carolyn Haines, author of the Bones Mysteries"An astonishing debut that raises the bar on todays detective novel. -Aram Saroyan, author of Door to the River"Saucy, spicy, tastyooh-la-la! -Kate CollinsThe Victim by Jonas Saul
Ends 6/25
Genre Mysteries & Thrillers
Sarah is killed in a horrible car accident, the DNA found in the car verified as hers. But the government men at the Sophia Project have faked her death to keep her to themselves.After her funeral, she shows up in the food court of a busy mall where a violent exchange takes place. Things go wrong fast. The people protecting Sarah die within seconds from a mysterious drug. She runs, escaping the clutches of the police who want to figure out her connection to the murderers.A group of men called The Rapturites surface to take responsibility for the carnage. They want Sarah raptured as the end times are upon us.As the police hunt her, and the Rapturites get close, people she loves, old friends who have helped her in the past, start to die around her.Vivian, her sister, watches. Vivian listens.Sarah executes.In Sarah Roberts Book Five, Sarah is The Victim, and there's nothing she can do about it.Except she won't stay dead.Game, Set, Match (A Humorous Contemporary Romance) (Love Match) by Nana Malone
Ends 6/24
Genre Contemporary & Historical Romance
Sassy contemporary Romance. 99,000 words. This is the revised ebook editionOff the court, tennis star Jason Cartwright's playboy image is taking a public beating. On the court, he's down forty-love. A knee injury is shutting down his game, and the paparazzi are splashing his love life on every magazine. A comeback is in order, but the makeover he needs to save his faltering career is in the hands of the woman he loved and left fifteen years ago.While single-mom, Izzy Connors, sees people for who they really are through the lens of her camera, even without it, she knows Jason isn't the star he appears to be. Although his charm and good looks haven't dimmed since he broke her heart, all she sees is his wasted talent and playboy lifestyle.Can Izzy put the past behind her and help Jason get his game, and his image, back on track? Or will the click of her camera shatter his world as well as his heart?Summer of Firefly Memories by Joan Gable
Ends 6/21
Genre Women's Fiction
SUMMER OF FIREFLY MEMORIES - Book One in the Loon Lake Series
SUMMER OF DRAGONFLY CHANGES - Book Two in the Loon Lake Series - NOW AVAILABLE - May 2013One summer. One cabin on a lake. Four thirtysomething sisters. Anything can and does happen.One Amazon Reviewer PraisesIt brought back memories of summers past as well as memories of relationships. It was delightful. I recommend this book to others who enjoy contemporary fiction and enjoy the nostalgic feeling you get when the author is writing about your life.Overview:Imagine spending an entire summer in a cabin on a lake - simply because you can.Thats exactly what Samantha McGreggor, a thirtysomething eco-journalist, does in SUMMER OF FIREFLY MEMORIES. She trades Arizonas summer heat for Minnesotas cool lake breezes by spending her summer at the same resort her family used to go to when she was young.Her summer agenda - relaxation, beach reads, soul-searching, bonding with her three grown sisters.Her concerns - she and her sisters havent been back to the resort since their parents death twenty years ago when they were all practically teenagers, and, well, they tend to act like emotional teenagers when theyre all together.Her summer reality fun in the sun, secrets, sibling rivalries, lost memories, new love, hope.What readers are saying about SUMMER OF FIREFLY MEMORIES...One Step Too Far by Tina Seskis
Ends 6/21
Genre Literary Fiction
An apparently happy marriage. A beautiful son. A lovely home. So what makes identical twin Emily Coleman get up one morning and walk right out of her life? How will she survive? And what is the date that looms, threatening to force her to confront her past? No-one has ever guessed her secret. Will you?"A gripping thriller that will delight fans of the unexpected twist ending." Grazia"I couldn't put it down! An intricate, tightly plotted story, engagingly told." Helen Castor, author of She-Wolves, Sunday Times Books of the YearAn evocative, skillful novel about the price of escape. Recommended. Kirkus ReviewsIts compelling, gripping, frightening, embarrassing, deeply sad and lovely all at once. Just read it. You wont be sorry. I loved this book. myzennana.comWOW! This one is a winner! While the plot might seem like a movie-of-the-week, the gorgeous writing elevates it to fine contemporary literature... I am praying someone options it for the big screen. Suzanne Rogers, South Carolina, USZombie Games: Origins by Kristen Middleton
Ends ???
Genre Horror
Seventeen year old Cassandra Wild thought living in the chaos of her mothers home daycare and dealing with her developing feelings for Bryce, her new Martial Arts instructor, was a struggle, until the night her world turned upside down.When an untested vaccine kills more than just a rampant flu virus, Cassie learns how to survive in a world where the dead walk and the livingrun!Surrendered Hearts by Carrie Turansky
Ends ???
Genre Religious
Winner of the International Digital Award, Inspirational Novel CategoryA gas pipeline explosion and fire destroy Jennifer Evan's apartment and change her life forever. Not only does she lose her home and beloved dog, the ugly scars that cover her arm, neck and shoulder steal her confidence and cause her fianc to desert her. With her funds depleted and her job on hold, she heads for Vermont where she hopes to reconnect with her brother and find a way to rebuild her shattered life.Bill Morgan, head naturalist at the Wild River Nature Center and her brother's roommate, is a strong quiet man whose faith runs deep. He and Jenn's brother determine to help Jenn make a new start in Vermont. Bill's stumbling attempts to share his faith with Jenn seem to fall flat and push her farther away, but she can see the difference his faith makes in his life, and her heart is still drawn to him. Will she hold on to the pain of her past, or will she surrender her heart and finally find the faith and love she longs for?Endorsement:
Fire stole Jenns career, possessions, beloved dog, the affections of a fianc who couldnt see past her scars, and any remnant of faith she possessed. But struggling through her fears leads Jenn to an amazing God who cherishes her just as she is, and to embrace a love and life she could not have imagined. Surrendered Hearts is one more example of Turanskys ability to draw a readers heart toward its Heavenly home, filling it with determination, hope, and romance for the journey.Cathy Gohlke, Christy award-winning author of William Henry is a Fine Name, I Have Seen Him in the Watchfires, and No Greater Love.Powder Burn by Mark Chisnell
Ends 6/22
Genre Action & Adventure
If Dragon Tattoos Mikael Blomkvist and the Hunger Games Katniss Everdeen could have a love-child, shed probably be a lot like Sam Blackett...Sam had given up her Manhattan job, and her cute apartment in Brooklyn. Shed abandoned her astonished boyfriend to the charms of ESPN.com, and flown off into a new dawn to chase her dream of becoming an investigative journalist.Three months later, alone in a soulless internet caf, shes facing some cold, hard facts; shes unpublished, unhappy and broke. And right then, the gorgeous Pete Halland blows into her life headed for the mythical Powder Burn mountain to write history and blast into legend.If she throws in her lot with Pete and reports the story for National Geographic magazine it could rescue her ambitions, but hes holding back some Crucial information the question for Sam is... what?Soon, Sam is up to her neck in snow and the weather is the least of her problems; lost in a secretive Himalayan kingdom with what could be a magic sword and a simmering and potentially bloody revolution.But the father she lost to the war in Iraq was a marine, and he taught her a few tricks in the Vermont backcountry that might just get her out alive and with a story to tell that could make the front page of the New York Times.The Wrecking Crew by Mark Chisnell
Ends ???
Genre Action & Adventure
Janac's back... and there will be games - so what will you do when it's them... or the woman you love?Psychotic GamesDrug baron Janac has unleashed a reign of terror in the South China Sea to fund his battle for control of the Australian narcotics trade. When he attacks an old cargo ship on an evil night off the Indonesian coast, it seems he has also found the perfect victims to exploit with his psychotic games.Last VoyagePhil Hamnet and his wife Anna are sharing a last voyage before the arrival of their twins. Hamnet escapes Janac's attack, but Anna is taken and held hostage to ensure first his silence, and then his cooperation. But when Janac's rogue ex-Special Forces crew attack more ships and men start dying, Hamnet has to decide if he can continue to sacrifice the lives of unknown sailors to save the woman he loves.
Got this in my email:Friday, June 21st is National Music Day! A day to celebrate and affirm
the importance of music and its role in building and bridging communities
through performance and enjoyment. So we decided to join in and make
this form of entertainment and art even more affordable with this limited time offer.Shop now and save 10% on ALL Pro Audio products with coupon code: MUSICDAYOffer expires 06/30/13. Maximum order amount of three hundred dollars ($300.00),
one (1) use per customer. Subject to availability.http://www.monoprice.com/products/department.asp?c_id=115&cl=res&utm_content=coupon_pro_audio&utm_campaign=music_day_q2_2013
Monoprice Coupons
Automobile:Buy Vs Lease
Added on : Thursday June 20th 2013 10:00:05 PM
I am new to this forum. I want to know how to decide between buying or leasing a car. I thought this was a frequent query but could not find anything in the FAQs or sticky threads. Please point me to a discussion on this topic if it already exists. If this is a new topic, I would love to hear your opinion. I am considering a luxury brand car in the $35K-$45K range and am still researching which brand to choose. I live in California's San Francisco-San Jose bay area.Thanks in advance.
As a Fatwallet member I rarely post a no-name item sold on eBay. However, on a lark I decided to buy one of these Jameson acoustic electric guitars and I have been shocked at the quality and finish which the guitar I received has. It is, frankly, quite a beautiful guitar but more to the point it plays extremely well considering it is under $100, has a usually high-expense cutaway body and is equipped with a passive electric pickup with a standard 1/4 " jack and basic built-in controls.
The "Natural" model is $89.99 FS and is the real 'hot deal' at that price. The other colors are all $10 more. I bought a natural and I swear that in the two months I've had it I still marvel at how nicely designed and finished it is. Undoubtedly it is Chinese-built, but the frets are even, they don't snag on the edge or do any of the myriad of things which cheap-o guitars tend to do.Now for the seller's bit: Play It Acoustically or Plugged In

We are impressed with the quality of these full size guitars and know you will be too! Look at these amazing features:
41" Full Scale Thinline Body with Cutaway
3" Body Thickness
Rosewood Fingerboard
Spruce Top
Nato Body
Steel Strings
Solid Neck with Diecsat Tuners
Built-in Pickup with EQ
High Gloss Finish
Includes Gig Bag Case & Guitar PicksLINK
thinksport sunscreenI'm sure many FW members will balk at paying $7.75 for sunscreen. With reports saying only 25% of sunscreens are "safe", I've decided I'm willing to spend a little extra. This stuff has the highest safety rating given by the EWG. In the past, I've bought it for about $12 - $15 per tube (3 oz). The current Amazon price is around $11.19. With this bulk seller on Amazon, I ordered 4 2-packs for $61.96 shipped, which is $7.75 per each (about $3.50 savings per). This should last us about a year, maybe 2 (sunscreen generally expires after 2 or 3 years). Hopefully this helps some safety-conscious parents or anyone who plans to be outside and active a lot this summer.
Amazon Coupons
After 20 years my filter finally gave up and fiberglass cover started to leak...decided on this one, upgraded from 38 to 48 Square foot Linky
Amazon Coupons
I recently received a notice of the intent to raise my unit's rental rate by $55, with the oddity of only offering a month to month lease rather than a longer term (which is fine, I might be moving in 6 months). I received electronic lease forms to "e-sign" agreeing to this new lease, but the agents drawing it up seemed to start from a template not reflecting my last lease (where they'd dropped the comp'ed parking and charged $25 and added a "pet rent" of $20/month). The last time they drew up my lease I had similar concerns about elements of the lease not being filled out and an initial rental notice having numbers transposed (a 6% increase was written in the letter as a 30% increase !) . Obviously, the management company is really earning their pay with their attention to detail.So, they've already signed the lease and even sent a follow-up letter asking me to sign if I received their e-mail. Under the new lease, my rent goes up $55 and the parking and pet rent appears as $0 in the new lease document (net increase of $10). It may slip by, or someone may decide to look into why my check didn't increase so much this month... who knows. My other option is to inform them of their mistake and ask them to correct their lease, in which case my rent is going up $55. What to do...If I can figure out the poll, I'll insert it below and follow the FWF decision. (ok, looks like lowly posters can't make polls here).Please respond.... - sign and play dumb or
- inform of likely mistake
profile:Late 20's
BA from University 4 year college in Business Economics
Working as wealth management at a bank.Does having an accounting certificate help land a job in accounting? Im not talking about the big four or anything like that but if I decided for a career change, I always wondered if those accounting degrees that some universities offer do anything.Usually the UC extension schools here in CA have an accounting certificate that seems pretty cheap.
THis is good for someone who doesnt want to completely go the MBA route.
Sam's : 46" Sanyo LED 1080P HDTV 60hz $454 b/m or sams.com
Added on : Tuesday June 18th 2013 05:00:21 AM
Saw this Sanyo 46"LED TV this past weekend as Sam's Club...the exact one that sold on Cyber Monday 2012 for $448...now on sale for $454. Hot or not, you decide.Sam's Club link ...FW Cyber Monday 2012 link ...
Sams Club Coupons
REQUEST: Amtrak "Around the US" advice
Added on : Monday June 17th 2013 05:00:09 PM
My mom has gotten the idea of going around the US (in a circular pattern) by train. It would be possible, though we would need to figure a bypass for the Katrina destroyed section in the South, in about 10-14 days. Using a Rail Pass makes it relatively inexpensive, but there is the problem of sleeping arrangements. For one thing they are pretty pricey, and the other is they are usually sold out. Since we are now wondering if a body could even take sitting/sleeping on a train for up to 48 hours straight and, perhaps more importantly, keeping my 10-year-old from going nuts, we have decided to take a test overnight run (maybe Reno to Denver). Just randomly running those prices seem a little steep, even factoring in AAA/Senior/Kid discounts, so I have a few questions:1. Besides the Rail Pass and the above-mentioned discounts, are there any other tricks to cheap tickets for Amtrak?2. Is say, the Seattle to Chicago leg (about 48 hours), a nice, relaxing trip that is enjoyed by all ages, or a bear?3. Can you sleep overnight in your chair without becoming crippled?4. How is the dining? Super expensive? Good? Or should we just pack some food?5. Will a 10-year-old boy go crazy? He has a Kindle (an FW deal) to, perhaps, while away the time if the scenery becomes monotonous. But could we charge it on the train or is he out of luck a couple hours in? Thanks for any advice or help.
Debt Collections: Coming after The Same Claim x2
Added on : Monday June 17th 2013 06:00:08 AM
Hi Everyone,So my fiance had a bit of a problem with a media company when they sent a final bill. This was way before I met her. Apparently they sent a bill, she didn't agree with it, she didn't pay it. So here is the problem: It went to debt collections, they tried to collect - however that was over 5 years ago. We tried calling to resolve it but to no avail. We said screw it and said lets just wait until it hits the 7 year mark.Well, I decided to take a look at her credit this year, and it popped up like she had something new in collections as if it was brand new. Nope - it was the same item as if it were new and as if the debt was from yesterday. What is the deal here? It's like they renewed it to stick to her credit for another 7 years!
What is the best way to fight this?
Opinions Please: How Do You Feel Life Insurance For Kids?
Added on : Sunday June 16th 2013 04:00:04 PM
Do you have life insurance for your kids or did you think about insuring them?My wife and I are researching it and trying to decide if it's something worth doing.
How to increase federal taxes for a year (shifting from other years)
Added on : Thursday June 13th 2013 07:00:13 AM
I'm considering getting a new electric or partial electric car (Leaf, Volt, etc). There's the $7500 tax credit for doing so, but I don't pay that much federal tax. I make $55-65k a year (full time job w/ benefits plus run my own online biz, so income fluctuates significantly). Last year I think our total federal income tax was under $2500 - 3 kids, mortgage, very significant charitable contributions, etc. So, any way to shift tax burden from the future to this year (if I decide to buy the car in 2013) or from this year and future years to next year (if I decide to wait till 2014 to buy)?
Relocating - Rent or Sell in Hot Denver Market
Added on : Thursday June 06th 2013 06:00:04 PM
Hi There, I am new here but really dig this forum. Appreciate your feedback. Please excuse my detail...Just assume that is helpful with the analysis.I own a Denver home in one of the hottest up-and-coming neighborhoods in town. My neighborhood is a hotcake in the real estate market and houses are selling fast...Under contract in under a week. the house right across my street from me is a 1bed/1bath went for $215k in 2 days. Personally, it's time for a change in my life, and I am going to move to San Francisco. I don't have a job there yet. I know, I know. But I work in a hot industry and have savings for a few months, if needed. I have to take some risks. Looking for a job while in Denver is possible, but takes longer. I'm aware that I will lose money in the meantime. I currently have about 10k that I can use for this transition.Do I Rent My House or Sell?
- My mortgage is $1,350 (including everything except utilities) and I think I can get $2,000-$2,200/month from a renter. Yes, I'm serious. The market is crazy here and I am basing this off of what I see other houses renting for.
- I bought the house for $265k in 2009. I put 20% down in cash. I now owe $197k and have a 4.875% interest rate (was waiting to refi until I decided if I was staying or leaving the house)
- I think I can sell my house for $340-365k - I want $365k and confident that I can get an offer for that...Not sure it will appraise for that. But maybe in the summer. My yard is pretty awesome looking.
- I've put about $8k in the house over the years, but have hardly done anything. All old appliances and original floors, windows, etc. Was assuming area would sell itself.
- Please note, when I bought the house I got the $7,500 First-Time Home Buyer Tax Credit at 0% interest rate (was just slightly too early for the free cash the next year!) I have paid off $1,500 over the last 3 years, so I still owe $6,000 back to the government for that money.Pros for Selling
- I cut myself clean of Landlord obligations. I love my house and worry about renters not loving it or taking care of it...But I think I would get over it.
- I'll make some money to help me with my move and with SF rent
- I could do For Sale by Owner, but have no idea how to do it. Could talk a realtor friend down from 6% to maybe...3%?
- Neighborhood is HOT HOT HOT. I could sell in a week and get multiple offers.Cons for Selling
- I can make more in a a year or 5 years. You never know...But yes, I think I could. It's already happening. But will the bubble pop before I get there!?
- Moving back to Denver could happen...But it would be hard to find a rental/home to buy in this area for a good price.Pros for Renting
- I think I could make a decent amount every month to cover my entire mortgage and then some. Could help me with the mouth dropping rents of San Fran
- My neighborhood is HOT HOT HOT, but just on the tip of being over-the-top hot. One more year and a lot more will be here...Hot famous Denver coffee shop (about a month until it opens), brand new lightrail .5 miles away, and just hitting an all-time high. I could make more on selling it later?
- I could always come back and move back into it. Or keep it as a rental foreverCons for Renting
- Being a landlord might suck
- Renters won't care for the house like I do
- It will cost me money to repair
- It will cost me money to pay for a management company/friend to maintain
- The neighborhood gets better, so taxes go up up upIf you have read through this entire post...You are great. Thank you! I know there will be varied feedback...Be kind, it's a big decision for me. I am a single young lady and bought this house on my own. There is a lot of pride with that, and now I need to make the best decision both finically and personally. Bring on that feedback! Thank you!
Deceased homeowner, obligations of family to notify the bank?
Added on : Thursday June 06th 2013 01:00:07 PM
I am asking the following question for a friend, and will try and clarify anything I can. A recently deceased homeowner has children still living in the house. The house is currently underwater. What is the best course of action for the children? Notify the bank? Continue paying the mortgage as somewhere to live? Something else? Here is what I know:
1. Homeowner has owned the home since the mid-80s.
2. Home was purchased for ~$55K
3. Mortgage Loan was FHA insured and is in the Homeowner's name only.
4. Payments on the mortgage were very small (~$200-$300/month). I assume interest only, but I am told it was some arrangement because the homeowner had no job, only social security, etc. I don't know the details of this yet.
5. Outstanding balance on the home is ~$85K
6. Past due property tax on the home is ~$10K
7. Homeowners two children have been living in the home for the past 10 years and have no material assets or income.
8. Homeowner recently passed away
9. The state is California. I do not know the appraised value of the home, but I am told it is not worth more than the outstanding loan balance ($85K) and past due property tax ($10K). The children living in the home do not know what obligations they have regarding telling the bank the homeowner passed away. They have two different scenarios playing out in their minds:
1. They don't tell the bank, continue paying $200-$300/month to live in the house as long as possible. They have nowhere else to go, therefore $200-$300 per month is their best housing option.
2. They tell the bank, the bank decides to foreclose on the house and they stay until the sheriff kicks them out. Assuming for now the home is worth less than the outstanding liabilities, do they have any legal obligations to tell the bank the homeowner passed away? Also, can/should they continue to pay the amount due for the mortgage? Also, any suggestions or considerations they should think about?
Life insurance help
Added on : Wednesday June 05th 2013 10:00:06 AM
Looking to get term life insurance for myself and mrs. Both of us are 34 years old, non smokers, good health etc preferred plus? rating. Have one kid 2 years of age, might have another.First regarding insurance need. Both of us work and have high income within 5% of each other (varies based on RSUs/bonus but fairly similar) . So decided that we need to have life insurance for the same amount for both of us. Current net worth is roughly 25% in home equity, 25% taxable brokerage/bank accounts, 50% in pre tax (401k, IRA) . How do I account for the pretax accounts in calculating the insurance need? If one of us were to die to tomorrow, with one person working (scaling back the number of hours) I estimate the need to be about 1.2 million using bankrate.com calculator. Also my simple calculation seems to agree. 1.2 mill will cover for kid's expenses including college with sufficient cushion, mortgage debt, property taxes for 20 years. I have assumed that the other person will work and save for retirement independently (doable since the house will be fully paid for + already have some assets). Also I am thinking 20 years should be enough although we can easily afford premium for 30 years. Only consideration is that if we have another kid later down the line.
Looked at term4sale and contacted couple of agents from there.Since we have some group coverage through our employers decided to get a quote for 1 million coverage. One agent gave me a quote with banner life for 20 years, premium is 40.xx for me and 38.xx for my wife and 30 years is 71.xx for me and 61.xx for my wife. These are monthly premiums. Do these look reasonable? Should I get more quotes? I have already delayed this and want to do it asap.Thanks in advance,
Lending Club IRA?
Added on : Wednesday June 05th 2013 07:00:10 AM
I've got a small, active Lending Club account with pretty good returns. I've been debating opening a Lending Club IRA and I was wondering if anyone out there had experience with or opinions about it. My two hesitations are the account minimum ($5,000 for the first year and $10,000 after that or a $100 annual fee) and the inability to quickly liquidate should I decide that its no longer the best investment option for me. Thoughts?
Homeowners Insurance - Premium increases and shopping around
Added on : Monday June 03rd 2013 02:00:08 PM
For the second year in a row my homeowners insurance premium has jumped 20%+ despite not having any claims or changesI currently have Liberty Mutual through Geico; I called to inquire about the large increase this year and was told the bulk of the increase, 10.6% of it, could be directly attributed to state mandated rate changes. I was told that everyone in the state this year would see their policies go up 10.6%. I further inquired about this state mandated increase and was told I would need to contact my state legislative department for details. The other 10% of the increase this year was due to my house being 11years old and losing deductions for, new house and new roof.First question: Is there a such thing as state mandated increase, I live in Colorado and couldn't find anything Colorado specific with a few Google searches.Next I started looking around and getting other insurance quotes and have found the process daunting. First off the quotes are all over the place, some thousands of dollars apart. Secondly once I think I found a lower quote I have on more then one occassion called in to sure things up only to find the quote was a teaser and changed dramatically once you provide additional info. Thirdly I am now spammed multiple times a day by various companies who I did online quotes with, I receive calls from a multitude of agents, many times several different ones from the same company. I have talked to a few of the agents, but have found their services gimmicky, trying to upsell or switch my other insurance products, etc..I am now at the point where I feel compelled to just suck it up and take the absurd yearly rate hikes as the amount of time I am having to expell in the process is overtaking any savings. I feel however there must be a better way? Does anyone have suggestions on how to shop homeowner insurance, without having to spend loads of time refilling out you personal info, without getting a quote that you really can't get, without being spammed by the company?I should mention I started by searching the forums here and found another thread that suggested searching State premium comparisons, i.e.
http://www.dora.state.co.us/pls/real/Ins_Survey_Reports.Process_...This looked promising, however after randomly getting a few quotes I decided the data on the page is garbage as reality is no where close to what they report and even fails as a tool for comparison in prices.Lastly I see lots of people like AAA or USAA; I found AAA/Travlers to be about $1000 more than what I pay now and I don't qualify for USAA.Any suggestions from others on how to best shop around?
Two free Kindle books about retirement
Added on : Monday June 03rd 2013 05:00:06 AM
Bogleheads will know about these but I thought I'd share. I missed Mike's book last time but now have the Kindle app so I can take advantage.The 2013 edition of the book Can I Retire? is now available, and from now through Wednesday, the Kindle version is available free of charge, and the print version is just $5 on Amazon.In addition, fellow blogger Darrow Kirkpatricks new book Retiring Sooner is available free as a Kindle book (and $5 as a print book) through Wednesday.About Darrows Book
Darrow Kirkpatrick is a personal finance bloggers. Hes not a financial professional. Rather, hes simply a normal guy who did all the right things to retire early (at age 50).Darrows new book is a very nuts-and-bolts guide for how to follow in his footsteps and retire well ahead of the typical schedule.Click here to see Darrows book on Amazon and download the free Kindle version.Retiring SoonerAbout the New Edition of Can I Retire?
The changes to Can I Retire? include:-Updates to reflect changes in tax law,
-Brief discussions throughout the book of how todays low interest rates affect various retirement planning decisions,
-An additional section about how to decide how much of a portfolio to devote to an annuity and when to do so, and
-A reworking of the discussion of asset allocation to place more emphasis on the idea that there is no single best allocation for a given investor, but rather a range of perfectly reasonable allocations.
Click here to see the new edition of Can I Retire? on Amazon and download the free Kindle version.Can I Retire?
state sales tax,
Added on : Sunday June 02nd 2013 11:00:07 AM
Dear all, I set up a LLC in CT, then I filed a 2553 to IRS to elect my business to be taxed as s-corp. I am a contractor (programming), previously work as a w-2, since my recruiter allow me to do a C2C, so I decided to try to setup a corp. Now, In Ct, they ask me to pay 1% for my sales tax, that is about 6.25%x 16 % of total money I received. do I have to pay this every quarter?
Thank you so much for your consideration,
Best regards,
siliconCreature
Dell U3014 $1050 and $999
Added on : Friday May 31st 2013 12:00:04 PM
Hey guys,Right now Dell has the Dell U3014 monitor for $1,249.99, if you call customer electronics support 1-800-624-9897 and ask:1. Place an Order
2. Discuss how you prefer to buy now but want them to match a CB discount they will reduce the price when you decide to cancel.I am not sure how HOT the price of $1,150 is, but with the Philippines customer service they reduced the price to this all in.Hope you have luck.another option posted on Hardforum is:Newegg.comhttp://www.newegg.com/Product/Product.aspx?Item=N82E16824260132" U3014 $1,099.99 + 10% off w/ promo code + 10% off w/ promo code DSKBNCE27, ends 5/31Ten minutes ago I bought mine Hurry , promo code ends 5/31.From Blackmaster
Dell Consumer Coupons
Best place to park money short term?
Added on : Tuesday May 28th 2013 05:00:13 AM
I'm buying a house within a year and decided to cash out of the market completely to avoid risk. My current savings account gets me .65% I'm curious what the best deal is right now. It probably won't make that much of a difference, I know, but I'd still like to get the most return possible.
I bought a boat about a week ago because it was a good deal and I couldn't pass it up. However, it doesn't hold all my rods (17' boat but storage lockers only go up to 6'6") and I've decided to go with a bigger boat.I own the boat outright, I paid cash to an out of state seller. I have not titled it in my home state or paid any sales tax yet. I do have the physical titles for the boat, motor, trailer.If I want to sell the boat, what do I need to do? Can I just sell it for cash, and if I make a profit claim it as additional/misc income? Or do I have to title it in my home state, pay tax, then transfer it again to the new buyer?
401(k) rollover check directly to Roth IRA?
Added on : Saturday May 25th 2013 09:00:04 PM
I had a 401k (standard not Roth 401(k)) with a previous employer which I decided to rollover into a Roth IRA. Everything I've come across online seemed to state that any rollover check needed go into a traditional IRA and then the funds needed to be converted to a Roth IRA. I called my current brokerage (Scottrade) and they told me to open a traditional IRA and then complete the paper work for a Roth IRA conversion. Well I go into a branch near my work (not the one I called) with the rollover check (payable to Scottrade FBO my name) and they state it's fine to directly deposit the check into my already existing Roth IRA with them, the branch manager said it would not be an issue - so the check went to my Roth IRA and the manager signed a deposit receipt for me. My previous employer did not withhold any tax and I realize I will have a tax liability, that's not my concern. My concern is the check going directly to my existing Roth IRA, is this okay or will this cause issues?
Question about Dependent Care Expenses and a Nanny (my daughter)
Added on : Saturday May 25th 2013 07:00:09 AM
My son has struggled in day care and has several issues that prevent him from attending daycare, such as a social anxiety and sensory issues. We have him going to several doctors and therapists to get all this resolved for next year when he starts school, but have had to take him out of daycare for now. I have searched online and cannot find my exact situation. From what I found, we may not be able to use our dependent care reimbursements. My daughter is 20 and has to decided to be a nanny for my son. We are paying her a salary based and it will vary depending on whether my son attends camp that week or not. She will work less and make less if my son goes to camp that week. Based on what I have read, you can be reimbursed for a nanny if the person is under 19 or related to you and living in your home. My daughter is a dependent of her mom (we are divorced), and her actual address is her mom's house. She decided to live with us for the summer. I am not sure if we would be able to get reimbursed since technically my daughter is not my dependent, has a different address and is over 19.My worry is that it can be argued that although her official home address is her mom's house, she obviously lived with us for the summer.Does anyone know the answer to this or a good place to look up more information? Thanks
Variable Universal Life for Retirement
Added on : Friday May 24th 2013 09:00:12 AM
I posted about this policy I have for my mother last year and decided to keep it but now am reevaluating the policy and have a few questions. The thread can be found here
http://www.fullofdeals.com/forums/finance/1163590/?start=0 I would post there but it is now locked. I also posted something recently on bogleheads but when their site went down the post was lost.The policy is a Metlife Flexible Premium Multifunded Variable Life
Date of Policy: April 2004
Age at Issue: 43
Risk Classification: Select Preferred
Final Date of Policy: Anniversary at 95
Face Amount: $250,000
Death Benefit: Face+Cash Value
Accumulated Value: $12,495
Surrender Value: $11,345(reduced to 0 by year 15)
Premiums: $200.00/month
Total Premiums Paid: $15,250
Expense Charge: 5.5% of Gross Premiums Received
Admin Charge: $5/month
M&E Charge(only charged to funds not in fixed account): .9% for next year, .6% for 5 Years, .3% rest of policy life
Stock/Bond Index Expense Ratio: .27%
Fixed account: 3% Guaranteed but currently pays 4.25%I now own the policy and recently moved all my investment in the policy from stock indexes to the fixed fund of 4.25%(although I might move it to just bond index) and raised premiums to $200 and got a policy illustration (See below). Age/Death Benefit/COI (CV is DB - 250k)
60 282k $60
65 297k $88
70 314k $116
75 331k $195
80 345k $315
85 350k $578
90 331k $1015
95 281k $1470The idea here is to use it as part of my retirement investment as with a life expectancy of 90 (probably less since my mom has diabetes/hypertension/osteoporosis) the policy will pay out around my retirement age. What I want to do is treat this as the bond portion of my retirement investment allocation. The reason I'm using fixed account/bonds is that after crunching some numbers stocks just didn't make sense. Negative returns in stocks in some years that evens out to overall positive returns can have a very negative effect on the policy compared to consistent positive returns that averages out to the same rate (which is what they show in illustrations). Also because of the higher expenses in the policy the higher the expected return of the underlying investment the better off I would have been investing outside.Right now I'm comparing it the policy against investment in the F fund in my Roth TSP account (although I plan to start maxing this out in 1-2 years). Originally I was calculating FV of the surrender value and $200/month at 4.25% would be $311k at 92 which is about what the death benefit would be at at 92 but someone on bogleheads pointed out that the fixed account would be bond returns minus 2-3% so the F fund would have a higher return. For a more apples to apples comparison lets say I move the funds to the available Barclays Bond Index in policy (which match F Fund). Lets assume that I will earn 4.25% net of fees so that my previous illustration stands. Over 30-40 years the M&E charge will average out to about .36% plus the .27% fund expense would make it .63%. TSP only has an expense of .03% so the F fund would earn .6% more per year. So if the F fund earns 4.85% it would be worth 330k at age 90. So if the policy pays out before that I would have a better return. Another thing some people pointed out is that the COI could increase and that I should plan on it being the guaranteed max. The guaranteed COI is 3-4 times more than the rates above so I think that that wouldn't happen. My online search found many insurers(but not Metlife) advertising that they never raised their current COI rates since they started selling VUL. I didn't find any cases but saw that GVUL or term rates were increased for some carriers by 5-10%. Based on the policy illustration I was given I was able to make my own illustration in Excel assuming a 15% increase in all COI rates. All it did was reduce the breakeven period down to 89 and the policy would lapse at 94 instead of lasting all the way to 95. So my question is if it is a good plan to keep policy and treat it like a bond investment. The second thing is which would be better long term the fixed account or bond index with the high ER and M&E charge or a combination of both like Fixed until the M&E is down to .3% in six years.
There is a local shop here in Philadelphia that has been operating for more than 20 years and has been very dependable in their unlocking services. I've had many phones unlocked by them for myself and my wife for international travel. The owner recently joined the 21st century and decided to create a website CarrierUnlocked.com and while I am a close friend of the owner, I have no share or investment in the company. I find that his prices are already extremely fair, his turnaround time is excellent, and he is a very courteous and responsive person. Paired up with his 50% discount, I just felt everyone considering unlocking their phone should really check out his website.
[iOS] DreamWorks games free
Added on : Tuesday May 21st 2013 07:00:03 PM
Play as Toothless from How to Train Your Dragon. Breath dragon fire and save sheep. A Scottish dragon at heart? You decide
DreamWorks Dragons: TapDragonDropDreamWorks Dash n Drop
I am a college student, but have managed to save up several thousand dollars. I want to set aside about two thousand so that it can grow and add money to it whenever I can. This isn't my emergency fund, and I am willing to be exposed to some risk. After doing some reading, I think that an ETF or Mutual fund would my best bet. I dont have enough money or interest to invest in stocks, and I think (correct me if I am wrong) I can expose myself to more risk then CD's, and bonds.I started looking at mutual funds, and it was difficult to find one that out preformed the S&P 500. Since Mutual funds charge anywhere between 0.5 to 2 percent a year to be managed, that takes a chunk out of my money. The only benefit I can see of having a mutual fund is that since its managed, it could prevent me from losing less if something goes wrong. However, I'm not even sure about that. Learning that only 11 percent of Mututal funds outpreformed the S&P 500, I decided to look at an ETF that tracks it. If I buy SPY, which just tracks the SP 500, it will preform better then mutual funds, pay dividends, and charge less for management.Is this good reasoning? I realize that the S&P 500 is at all time high, but Goldman Sachs predicted it would continue to grow to steadily grow till 2015. My other reasoning was that even if it took a dip, its bound to go up again in the long term (3-5) years. Also, I signed up for E*Trade after reading some good reviews of it. I couldn't find anything that was wrong with it, anything I should be looking out for?
Help! Should I buy this investment property?
Added on : Tuesday May 21st 2013 09:00:10 AM
Hi my fellow FWers: I am in search of investment properties. The bank has approved the shortsale. I need to decide whether this is a good investment option. I need to pay previous owner deliquent HOA and spend money repair and repaint. Below is the property cost & info. Property location: California, 94806
Purchase price $260,000
Appraisal Value $260,000
Zillow value $271,000Loan Amount $208,000
Down Payment(20%) $52,000Closing Cost: $4,000
pay delinquent HOA: $4,200
1-time Repair & Paint:$7,000Sum of down pay plus above cost: $67,200I will rent out the property. Monthly Income and expense breakdown:Potential Rent: $1,900Mortgage @4.25% $1,023
Taxes (2.1%) $498
Insurance: $65
HOA Fee: $100
Waste Mgmt: $35Total monthly cost: $1,721
Cash flow(Rent minus cost) $174I plan to collect rent for a period. And when the house value increase to a certain amount, I will sell it to make profit. In case of tenant vacancy, I have $10K saving set aside to cover expense.Can my fellow FWers advise whether this is a good investment decision?
Strange Amex Backdating dilemma. Need advice...
Added on : Tuesday May 21st 2013 08:00:10 AM
Hi. I have been an AMEX member since 2012.....AFAIK.

On my account homepage, under my name in the upper right area, it says "Thank you for being a cardmember since 1993". I think this suddenly changed when I regsitered my Gold Biz Card the other day. I had never noticed it before. Thing is, my Gold Biz Card says member since 2012. Now, I just got my new SPG Biz AMEX in the mail today. It says cardmember since 1993!!! Just like the website! Wow.Something obviously happened here. I was just on the phone with the rep about this card (unrelated matter) when I suddenly noticed it and began to fumble my words and hesitate. I was about to ask her about it and decided to not say anything.

Anyone ever had this happen before? I'm quite confused here. I'd LOVE to be backdated to 1993 but don't remember having a card back then. I would love to call and ask to have my other two AMEX's remailed with the backdating to 1993 but I don't know if that would work or if it would raise red flags and get corrected.....mainly because I don't know how clear, concise and organized backdating is. I mean, do the reps just see my 1993 backdating and go off that without verifying it?

My ultimate goal would be, if I can really keep the 1993 date, to get a personal card...which I still don't have...and give my AAoA a serious jolt in age.
Angie's List: a Colossal Scam?
Added on : Sunday May 19th 2013 07:00:05 AM
I hope this is the right forum for this type of a post.I just want to post on my experience of using Angie's List, and what I have learned.In summary, I believe that unlike what is advertized, Angie's List is not a Consumer Friendly Review Site. It operates a rather sophisticated marketing machinery, and primarily is a paid Yellow Pages type service, using internet and direct mail as marketing channels, while disguising itself as a consumer friendly website.First, my experiences.On three different occasions, in three different metropolitan areas (Minneapolis / St Paul, MN; Indianapolis, IN; and Norther NJ, NJ / NY), I signed up for Angie's List. In all three cases I was looking for local business reviews, and each case, a google link from Angie's List was at the top, advertizing (falsely, as I will find out) that Angie's List has reviews on the local business. The businesses searched were: (a) gutter cleaner and mold cleaner, (b) kitchen contractor, and (c) mortgage broker.In each of the three cases, based Angie's List claim that they had reviews for a specific contractor, I signed up, paying for the 1-month fee only, in order to have access to the full website. In all three cases, it turned out, that they did not have ANY reviews for the specific contractor, despite advertizing so earlier. Bait and switch? You decide.Having already paid for the monthly service in the first two cases using a one-time credit card, I simply let the memberships expire. However, both during membership, and after membership, Angie's List relentlessly spammed my (already-spammed) e-mail account, sending tons of unsolicited ads from various businesses I had no interest in dealing with. In the first two cases (Minneapolis and Indianapolis), I had signed up for relatives (I myself live in NY / NJ). In the third case, I signed up with my own address.In the third case, I had to make a phone call to cancel. I canceled within about 20 days of signing up. First of all, cancelation was not easy. Second, they did not extend the courtesy of refunding the entire amount, but rather, only pro-rated for the remainder of the month, even though I explain that I got ZERO value from them. And third, after I told them that I firmly believed that they had done a bait-and-switch for the third time, they had nothing to say.About a month after canceling the third service, I received a paper brochure from Angies, "Angies List New York City and New Jersey Edition, May 2013", which is basically a collection of unsolicited advertizing.There are basically 2-3 completely USELESS "articles", and then after that, we have page, after page, after page of relentless advertizing from local businesses I have ZERO interest in. You want some examples? Here we go:- Laser Skin Rejuvenation from Dr Glenn K* of T* F*, NJ,
- Implants and Dentures from Dr. Edgar A*, DMD, of some town in Middlesex County, more than 50 miles away,
- tons of kitchen remodel advertizements (I have a brand new one),
- tons of painter advertizement (I don't need painting),
etc.So my conclusion is as follows: Angie's List is a sort of a new Age Yellow Pages / Useless Entertainment Book coupon, but CHARGING consumers anywhere from single digit to double digit dollars per month, while claiming to be a consumer focused business review / referal system.I thought this would be useful for FWF community to know, given how much house maintenance / repair, mortgage broker discussion topics we have.
LINKEmpowers You to Save Hundreds on Electric Bills
Electricity bills are rising. Now you can cut down on costs and find out what appliances are actually worth keeping plugged in. Simply connect these appliances to the Kill A Watt, and it will assess how efficient they really are. The large LCD display counts consumption by the kilowatt-hour, the same as your local utility. You can calculate your electrical expenses by the day, week, month, even an entire year. Also check the quality of your power by monitoring voltage, line frequency, and power factor. Now you will know if it is time for a new refrigerator or if that old air conditioner is still saving you money. Kill A Watt can help you reduce your power bill and will help find power-wasting appliances so you are able to decide whether it is worth keeping them plugged in. For standard 115 VAC appliances only, 15 amps maximum, 125 VAC maximum.
Find Out How Much Electricity You're Using

Large LCD display counts consumption by the kilowatt-hour
The U.S Department of Energy reports that 20% of our electric bills come from items that are left plugged in when they are not in use, or items that are in standby mode. With the Kill A Watt P4400 we can monitor the energy eaters in our homes and cut down our electric bills at the same time. Plug whatever item you want into the device and it will tell you the efficiency of that item by displaying the kilowatt per hour. This device will help you determine which items are costing you the most to run. The Kill A Watt also calculates voltage, line frequency, current, and power factor. You can calculate your electric bill before you even receive it from the electric company.
Amazon Coupons
LINKEmpowers You to Save Hundreds on Electric Bills
Electricity bills are rising. Now you can cut down on costs and find out what appliances are actually worth keeping plugged in. Simply connect these appliances to the Kill A Watt, and it will assess how efficient they really are. The large LCD display counts consumption by the kilowatt-hour, the same as your local utility. You can calculate your electrical expenses by the day, week, month, even an entire year. Also check the quality of your power by monitoring voltage, line frequency, and power factor. Now you will know if it is time for a new refrigerator or if that old air conditioner is still saving you money. Kill A Watt can help you reduce your power bill and will help find power-wasting appliances so you are able to decide whether it is worth keeping them plugged in. For standard 115 VAC appliances only, 15 amps maximum, 125 VAC maximum.
Find Out How Much Electricity You're Using

Large LCD display counts consumption by the kilowatt-hour
The U.S Department of Energy reports that 20% of our electric bills come from items that are left plugged in when they are not in use, or items that are in standby mode. With the Kill A Watt P4400 we can monitor the energy eaters in our homes and cut down our electric bills at the same time. Plug whatever item you want into the device and it will tell you the efficiency of that item by displaying the kilowatt per hour. This device will help you determine which items are costing you the most to run. The Kill A Watt also calculates voltage, line frequency, current, and power factor. You can calculate your electric bill before you even receive it from the electric company.
Amazon Coupons
Condo Rental Credit Check Process
Added on : Friday May 17th 2013 11:00:09 AM
I was interested in renting a condo, filled out the paper work, paid for a credit check for both myself and my wife. A week later, we were told the landlord was sick and would need more time to decide. This week, after calling them, we were informed that the landlord decided to go with another family. Our credit scores are around 800 each. This is a bit new to me as it's the first time I've paid for a credit report and didn't get whatever it was that the credit report was run for.It irks me that we paid $50 ($25 each) for a credit report, when they decided to rent to another family. Also, I assume it can affect our credit reports. The real estate agent told me that he takes a bunch of applications, then runs credit checks on all of them (prior to any app review), then gives it to the owner to decide who to rent to. Is this the standard process? Did they break any rules?
Double points on all Southwest flights extended through 6/15
Added on : Wednesday May 15th 2013 09:00:03 AM
Southwest Airlines - Double TQP!Due to the positive response we received over our Nationwide Double Points and Double Tier Qualifying Points promotion, we decided to extend this promotion through June 15, 2013!Book your flights through Southwest Airlines between February 4, 2013 and June 15, 2013.
Complete your flights between February 20, 2013 and June 15, 2013.
And thats it! Book your flight today!They also have added an Atlanta Promotion and extended the Milwaukee promotions as well.
Private Airline Owner Won't Pay for Tutoring - Small Claims Court?
Added on : Wednesday May 15th 2013 06:00:07 AM
So, weird situation: I had an opportunity to tutor - for big bucks - the son of a rich businessman. I didn't know it when I started, but turns out he's an asshole; even his son hates him. There are tons of news articles about him, his divorce, him happily spending time in jail instead of paying small amounts of owed money to ex... It goes on, and this information is so easily found that I feel like an idiot. It's surreal that this psycho is my client. And yes, it was stupid that I didn't look it up before starting tutoring. But the past is the past and I've learned from it, and have to now move on.I sent invoices and kept records (emails, txts, phone calls) showing that the tutoring was on the up and up, and the due dates are clearly-indicated. I sent out the invoices immediately after every session, and got no response. When the first bill became overdue, the client said to cancel all future sessions. I told him that I still need immediate payment, he didn't respond, and have not been able to get in touch with him since. I have sent several emails, and even reached out to the mother and son, who asked me to continue tutoring. I took one more session for half the price (since they were paying out of pocket and are good folk) and was paid, but that's the last I heard from them as well.Now I'm trying to get $1800 from this guy who won't respond at all. I don't know what to do. Please help!The work was done in NYC (Manhattan in case it matters). I was avoiding a confrontational phone call, and decided to call his personal assistant first out of courtesy, but she's also ridiculously rude and unhelpful. Now I'm posting here before moving forward.What can I do to secure payment? Should I call his cellphone (he provided me the #, I did not hunt it down) directly and speak with him? Will small claims help at all? I read somewhere it's UP TO $25,000, but other places have mentioned it's from $2,000-$25,000, which makes it below small claims amounts.
I posted in another thread about my job situation, and that I will have to relocate in 12-18 months. My GF and own a house and decided to put it up on the market, not knowing how it was going to go. We ended up accepting an offer 3 weeks in. Inspections are done and we are set to close in 2 weeks. We rented a place down the street, same neighborhood, signed a 1 year lease on the house.The house has a pool, and we know that we are paying a premium for that. Rent is 1350. Comparable house without a pool would be in the 1000 range. We signed the lease on May 1st. The lease states that pool service and pest control is included in the rent. When we did a walk through (I took very thorough pictures/videos) - the property had a few issues (patio screen panel missing, place was dusty as hell, disposal did not work, mold on patio floor, grass/weeds in back yard waist high, etc.), but I saw the pool guy working on the pool, plumber on the disposal, so I thought the landlord would make the place safe/functional within a few days of moving in. Suffice to say, the place was a pig stein when we moved in. Whatever, we cleaned it up, did the yard, etc Today marks 2 weeks, and the pool is still not safe to go in (per the pool guy.) We have a 10 month old so we take this very very seriously. There is black mold in the pool. The pool guy has come every 3-4 days to add chemicals and try to clean it up, but it's not getting better. I spoke with the pool guy and he said the pool needs to be refinished, as the concrete is coming through the top layer/finish of the pool. He says the black mold will keep coming back until it's refinished. Chemicals to kill the black mold will have to keep getting added to the pool, several times a month. Each time they are added, can't go in for 2-3 days.I have sent e-mails to the landlord, and have not been satisfied with the answer. LL says water is just murky and will clear up in a few days did not mention the repairs/cleaning I sent another email with thorough pictures of the mold, broken screen, and pool, and have heard nothing back for 4 days now. I told her we are not those tenants but we are aware that we are paying a premium for this place and that I want to have the place safe and functioning for my family.I am paying for this pump to run 12+ hours a day (needs to run more to clear water up), a premium in rent, and cant even use the pool.
Do I not pay all the rent until issues are fixed? Do I hire my own people to fix it and deduct from rent? Do I take off a fair amount for the pool? $250/$350? - Thoughts?Oh and to top it off, the place is missing smoke detectors. Only 1 is present in a 2200ft house. Others are missing (you can see where they used to be in the ceiling, but they are missing). I know they are cheap and I can get one, but thats not the point. I believe thats even against the law in FL not to have sufficient smoke detectors in a rental.Basically, hope I'm not stuck with a Slum Lord... And if I am, need to protect myself/plan on how to take action when needed.
To Rent or Sell?
Added on : Monday May 13th 2013 11:00:07 AM
We are looking to move out of our 3-br condo in NW Chicago. We purchased right before the bubble burst at $335K. It is a full rehab building only about 6 years new.This is an 4 story 8 unit building and the other unit on my floor just sold from a bank-sale at I believe $237K (still awaiting all final details of contract).
A garden unit in the building was unable to sell in their short time frame to move so they are renting instead. They apparently signed a lease for their place @$1900 a month.I was waiting to do anything with my unit because (in addition to not knowing exactly where we want to move yet), I didn't want to compete with the other units that were up for sale.I think in a best case scenario I could probably get about $250-260K for my place - still taking a loss of about 75-85K (20-25% of what I paid).My current mortgage + assessment is somewhere around the $1400 range. Taxes on the unit and deeded parking run about $5K a year. If I was able to rent my place for $1900 I would be able to cover all of these expense.
Since my unit is a top floor - as opposed to the garden unit that just rented, I could see myself getting another $100-200 more in rent.I am trying to decide if I should keep a hold of this place in addition to purchasing my new home in hopes that the real estate situation will improve and I will be able to sell in a few years at less of a loss.
If I am bringing in say $2K a year above mortgage/taxes/assessments, over the course of 3 years I will have grossed only $6K. If the current values only rise say 5% over that time then I will only net an additional few thousand from the sale of the home. Not to mention the hassle of being a landlord, or the chance that something major will happen with the unit (appliances, plumbing/electric, horrible tenant, etc.).I think I would probably be able to get the second mortgage for me new home. We would likely be looking to spend at least the same or more than what I originally put down for my condo - and I would be able, if necessary to probably put 50%-75% down on the new home if it was required. So, assuming that I can get the mortgage - and assuming I could afford both situations (assuming I had the renter) - which is the best option?I'd like to know if there are any gospel rules on how much rent I need to be bringing in to deal with situations and still, at least, break even. Also - even if I am not breaking even, is it worth it to pay a certain amount yearly in hopes that the market will recover enough so that the 25%+ loss I currently have might decrease?I really have no experience in being a landlord, or property - with the exception of being a renter myself for many years, and now owning this first condo.thanks for any advice.
Advice Needed. Roof Damage Due to Defective Shingles.
Added on : Sunday May 12th 2013 12:00:06 PM
Hello All,I'm posing this question to get some help for my parents. My parents bought a brand new house in GA in 2003. The roof has a 25 yr warranty. For the last couple years, they were experiencing water leakage through the roof whenever it rains. They called the builder to get them to repair the leakage. The builder refused to do anything claiming that it is outside of their 3 yr warranty for the house and told my parents to go after the roof manufacturer (ATlAS). My parents, who speak little to no English, decided to get a contractor to temporary fix the roof instead of going through the hassles of fighting with a big company. Towards the end of last year, they decided to rent out their house and wanted to fix the roof prior to putting the house on the market for rent. They tried to file a claim with the house insurance company (Southern Mutual Insurance in GA) which was denied. The insurance company inspector claimed that the shingles were defected and thus is not covered under their policy. All of the above information was provided to me by my parents and i wasn't involved until January of this yr when they needed my help to file a claim with the roof manufacturer. We submitted everything that they asked and they sent us a letter with a check for $2,201.22 based on 42 squares shingles (estimated by our roofer) at the current price prorated at 67% since we had the roof for 10 yrs out of 25 yrs warranty. They also sent us the warranty which states that they don't cover replacement installation cost of new products. My parents received a quote from their roofer who quoted a total cost of $10k to replace/fix the entire roof. I also found out today that when they bought the house, they didn't pay for an inspector to inspect the house thinking that it was brand new and is not necessary. My questions to all you gurus out there are: 1) Should my parents accept this as part of life and eat the cost to get the roof repaired to prevent further damage to the house? or
2) Should we get a lawyer and fight for this?
3 Has anyone on this forum experienced something similar that can provide me with some lesson learned how to go about resolving this to minimize the amount of $ that my parents have to come up with to fix the roof? Both of my parents combined make about 70k a year. They do have savings, but I rather that they don't have to use unless it is absolutely required. I'm quite upset that there's a potential that my parents will have to pay 8k out of pocket to fix this when it was the manufacturer who sold us defected shingles in the first place. This is my first experience with something like this so any advices would be greatly appreciated. Thanks in advance.EDIT: revised OP to replace "defected" with "defective"
Advice Needed. Roof Damage Due to Defected Shingles.
Added on : Sunday May 12th 2013 07:00:04 AM
Hello All,I'm posing this question to get some help for my parents. My parents bought a brand new house in GA in 2003. The roof has a 25 yr warranty. For the last couple years, they were experiencing water leakage through the roof whenever it rains. They called the builder to get them to repair the leakage. The builder refused to do anything claiming that it is outside of their 3 yr warranty for the house and told my parents to go after the roof manufacturer (ATlAS). My parents, who speak little to no English, decided to get a contractor to temporary fix the roof instead of going through the hassles of fighting with a big company. Towards the end of last year, they decided to rent out their house and wanted to fix the roof prior to putting the house on the market for rent. They tried to file a claim with the house insurance company (Southern Mutual Insurance in GA) which was denied. The insurance company inspector claimed that the shingles were defected and thus is not covered under their policy. All of the above information was provided to me by my parents and i wasn't involved until January of this yr when they needed my help to file a claim with the roof manufacturer. We submitted everything that they asked and they sent us a letter with a check for $2,201.22 based on 42 squares shingles (estimated by our roofer) at the current price prorated at 67% since we had the roof for 10 yrs out of 25 yrs warranty. They also sent us the warranty which states that they don't cover replacement installation cost of new products. My parents received a quote from their roofer who quoted a total cost of $10k to replace/fix the entire roof. I also found out today that when they bought the house, they didn't pay for an inspector to inspect the house thinking that it was brand new and is not necessary. My questions to all you gurus out there are: 1) Should my parents accept this as part of life and eat the cost to get the roof repaired to prevent further damage to the house? or
2) Should we get a lawyer and fight for this?
3 Has anyone on this forum experienced something similar that can provide me with some lesson learned how to go about resolving this to minimize the amount of $ that my parents have to come up with to fix the roof? Both of my parents combined make about 70k a year. They do have savings, but I rather that they don't have to use unless it is absolutely required. I'm quite upset that there's a potential that my parents will have to pay 8k out of pocket to fix this when it was the manufacturer who sold us defected shingles in the first place. This is my first experience with something like this so any advices would be greatly appreciated. Thanks in advance.
Legal issue from business investment - do I have any options?
Added on : Saturday May 11th 2013 01:00:03 PM
I owned a business, had an office, employees, etc. I did this for 8 years. I was good to my employees and business was good while it lasted.We hired a person about 2 years before closing - an older mature gentleman - to do IT work for us, who was also working on his own business but needed some part-time work to supplement his income. We became fast friends because of our common interests.He asked me to invest in his business several times; I politely declined. His business was exploding at the time...he needed help. I thought he was a great guy, felt bad for his limited resources and would offer him lots of good advice but felt uneasy about giving up cash since I needed it for my own business.At one point, my business was slowing down and his was gaining a lot of momentum. He came to me with a different idea...to share a FT employee with me so I could keep her and she could stay busy and, in exchange, I would get an equity stake in his business. He also agreed to a 24-month buyout clause because I was nervous about the state of affairs in my business. We drew up a contract and were good to go. I was happy that everyone was happy. Things went pretty well and I made sure we had lots of emails and a contract to protect us both. The buyout clause stated that, if at anytime during the 24 months, I wanted out of the investment, he would pay me a lump-sum amount for every month the resource was provided.Things steadily got slower with my business and 12 months after the contract was signed, I decided to close on my business. It was tough. I had to layoff employees, clean up the office, get rid of supplies and equipment. As part of this, I told him I wanted out of the contract which resulted in a buyout payment to me of $40k. I felt bad that I was abandoning him, but I hung in there as long as I could.Keep in mind, his business is probably worth about $5m today but I still want nothing to do with it. As it was starting to grow for him and money became big, he changed and things were stressful. I decided I would just rather bail and say "good riddance" to him.After telling him I wanted out, 30 days later he still hadn't said anything about re-payment, so I sent a follow-up email. He flipped out, ugly words were said and he came up with many reasons why he should not pay back the full value of the contract.Now, he had provided a laundry list of "expenses" that I owe to the tune of $4,000 and he tells me he's not going to pay me a dime until "we" agree on the matters. These "expenses" include his time in getting his belongings from our office after we closed the business (he valued himself at $50/hour and said it resulted in 12 hours of work) and reimbursement for a $100 gift card (with a greeting card) that he gave to me for helping him out of a tough situation.The amount is too big for small claims. Unless I agree to the $36,000, he will not pay me a dime. His expenses are frivolous and wouldn't hold up in small claims court. Can I somehow agree to his demands, but then sue him after I have the $36k in hand? Otherwise, I think i will have to get an attorney and that is going to be costly.I spent a lot trying to close my business and liquidate everyhing and have limited funds these days, so this is causing a lot of stress.8 years and I never needed one and now this. What a bummer!!!Isn't what he's doing blackmail? If I don't agree to his demands, he won't pay me anything? I'm assuming if I verbally agree, he is going to want something signed with me stating I won't sue him.
This is clearly a product description error! Do NOT order if you won't have the patience to fight it out later on.The 2-pack is accidentally listed as a 24 pack of 2 (=48 bars).Product title "Dove Men+Care Body & Face Bath Bar 2-
Count 4.25 oz. (Pack of 24)"Shipping weight "13 pounds".Product link.(Link to Amazon's A-to-Z Guarantee protection [You're going to need this if you order ]: Linky.)Possible scenarios:48 bars are shipped: Extremely unlikely.Order gets cancelled: Likely.Only 2 bars are shipped: Very likely.If and when only 2 bars are shipped, submitting the claim will likely get you entire purchase price refunded.Any other ideas?~~~~~~~~
Also, if you decide to order, MAKE SURE TO TAKE SCREENSHOTS ALONG THE WAY!Oh, and while you're at it, use their 5% off code on product page
Amazon Coupons
Until recently I've only had my one local bank's credit card-- but I've branched out lately and signed up for a three new credit cards to maximize my rewards (PenFed platinum, Chase Freedom, Chase Sapphire). I think I'm at a point where I'm not missing out on a whole lot as far as cash-back opportunities go. But there's still a lot of cards out there that have attractive sign-up bonuses. I'd jump on these while I'm at it, but I know signing up for new lines of credit frequently will mess with your credit rating, so I have held off. I understand there's no hard and fast number for how frequently you should be enrolling for new credit. But I'm sure many of you have opinions and experience in this area, so I was hoping to hear how many credit cards you'd feel comfortable signing up with in a span of a few months before you decided to cool it. Thanks!P.S. I don't believe in carrying a balance and I am very meticulous (and frugal) about my money management. The concern about having too many credit cards to keep straight, or the opportunity for mismanaging credit is not a concern here.
Gift from grandparents to toddler
Added on : Friday May 03rd 2013 05:02:32 AM
My parents are toying with the idea of giving my 2 yr old his inheritance now and putting it into some sort of savings or investment. His college is covered, and I'm not exactly sure how much they are thinking, but it probably wouldn't be enough to bother with a trust. Any suggestions of where to put the money if they decide to give it now?Thanks!ETA--I'm guessing it would be in the 25,000 range.
Kids teaching telephone 27.74 yoyo.com
Added on : Friday May 03rd 2013 01:00:02 AM
http://www.yoyo.com/p/learning-resources-teaching-telephone-2279... free shipping on 35.00, no code , no taxes in my area. purchased 2 for my 2 grandbabies. keep
hearing how little children are calling 911 , in emergencies, decided this could be useful...
Amazon has it for 26.49, you only have to buy 1 for free shipping and no taxes, checked there first, but didn't pull
up. Put in the search and, to late, i already purchased it at yo-yo. still a good deal, just a little better , at Amazon...
http://www.amazon.com/Learning-Resources-Pretend-Teaching-Teleph...
little excited, may have leaned how to add links....
YoYo.com Coupons
My Own AOR for rewards sign up. AMEX partial denial
Added on : Tuesday April 30th 2013 06:01:25 AM
I've been thinking about this for awhile and I just decided to pull the trigger and apply for a bunch of cards at the same time with rewards. So I did..Barclay Card 35,000 points after $3,000 spend in 3 months
Citi Platinum Advantage 30,000 points after $1,000 spend in 3 months
America Expres Delta Sky Miles 30,000 points after $500 spend in first 3 months
Chase Ink
America Expres True Blue 20,000 points after $1,000 spend in 3 months
America Expres Premier 25,000 points after $2,000 spend in 3 months.While going through the application process I did not realize how many of them were all AMEX cards. I was approved for the True Blue and Premier instantly but was told to call in for the Delta. I did and they said I applied for too many cards with the same bank at the same time. Otherwise I think I was in good Shape. I'm waiting on all of the other details of the above cards and hoping for good results here. Any other cards that I might be missing? I'm trying to put together a good list of cards that do NOT necessarily involve spending a TON of money to get the rewards.
BMW rear wheel hit the curb. Use insurance or not? Thanks
Added on : Monday April 29th 2013 01:01:23 AM
I had been a lurker so far. Searched, didn't find anything.My car: BMW 325I 2006. While reversing, I hit the curb with my right rear tire at a very low speed (it just went in the groove between road and sidewalk and screeched into it - I know I feel very bad), and the rear tire is kind of pushed back. I have insurance (comprehensive: 500 deduct), but no AAA (Geico covers road side).My dealer is about 14 miles from me, and so far I have used them for all (bought it new). Free AAA towing (if I decide to go for it) is only 7 miles. But I heard using insurance for towing may increase premium. Involving insurance for the repairs never occured to me until I went to a local alignment shop. He told me that control arm looks bent, and may cost unto 1000 to fix it.From my research, repairs may cost anywhere from 1000 - 3000, hoping for the lower side.. Any experienced folks, would you please help me decide what to do? This car has been good to me (sorry for this curb thing again), and I have no intention of selling this car.Im in San Diego.Thanks..
Vasectomy (at least $180) or Tubal Ligation (no cost)?
Added on : Sunday April 28th 2013 11:02:01 AM
My wife decided to stop taking hormonal birth control for health reasons about 2 years ago. Now it is time for something permanent. Two years ago the choice was obvious to us, a vasectomy for me. At the time, my procedure was simpler and cheaper. Now, we found out due to the ACA tubal legations are "free" thru my insurance while vasectomies cost at least $60 per office visit, with a minimum of 3 visits. I am thinking it makes more sense to get her the free tubal legation instead of forking over $180 or more for a vasectomy. Are more men going to chose not to get vasectomies due to the higher costs involved than the alternative? Thoughts?Edit: Our local medical center says female tubal legation is a 20-30 minute outpatient procedure: http://www.stdavids.com/patients-visitors/health-library.aspx?ch...
Why am I getting all different credit scores?
Added on : Saturday April 27th 2013 02:03:16 PM
It is getting me upset. Trying to buy a house here.
I did my "freecreditscore" and received notice of a 669 credit score. Last week I applied for a credit card, and I got approved with a $2500 credit limit. The paperwork they sent me tells me I have a 705 credit score.
So I decided to spend $32.95 on a credit report from Experian, and they give me these scores: experian 626
equifax 601
transunion 601
What the hell? Why are these scores all over the place?
Water leak damage to neighbour
Added on : Friday April 26th 2013 05:01:16 PM
Hello, I saw many smart advises on this forum and I hope to get one too. My problem is I had a leak in my house in the water supply line to my water heater. I brought a plumber and fixed a leak, but the next morning the owner of the unit underneath called me and said his house is completely destroyed and it caused by the leak from my unit. I came to his unit next day morning (i.e. 36h after the leak was fixed) and surprisely discovered that all his laminate floor is removed and hauled away and whole unit looks like there was a big team of construction workers worked there. My concern is the guy is trying to fool me - he says he called his insurance and submitted the claim, but I don't believe within 1 day he got an appraiser/adjusted coming, the adjusted made report and sent it to insurance company, the insurance accepted the claim, the owner brought a contractor and contractor removed and hauled everything away - and all this within one day only ? I had a deal with insurance companies and know the process may take a while My big concern he started the repairs long time ago and when I got a leak he decided just to use an opportunity and make me or my insurance company to pay for the repair. The damage to my unit is not so big and it's much cheaper for me just do it by myself and do not involve insurance, but my neighbour claims his damage is over $20K and tries to hold me responsible.Have anybody had similar situation or can give some advice ? Thanks in advance
Canon Pixma MG5420 @ Staples for $39.99 with Printer trade-in
Added on : Thursday April 25th 2013 04:00:21 PM
This has been mentioned in another thread, but I think it deserves it's own topic.This is a great printer in it's own right. No generic inks yet, but many quality
features / Auto duplexing / great lab quality photo prints / Scanner / Wireless
Airprint from iPhone / iPad / Android etc...$99.99 for the MG5420
-10.00 coupon (online 78390, in store 14844 - check the flyer for this coupon)
-50.00 printer trade in (bring receipt and old printer for trade-in)39.99 for a great printerLink
Now be ready for some push back from employees / managers on this one!!
Be ready to be made to feel like a criminal also!!When I tried this at the first Staples. I had two MG5420's loaded in my cart.
They said I couldn't use the coupon for 10 off with this printer... even though
item 136624 is specifically mentioned on the coupon. (Had to point this out to them.)Then they said I couldn't do the printer trade-in in combination with this printer and
the coupon... although both are listed in their flyer and online. (pointed this out also)Employee tried to sell me expensive inks... I declined.
Then he tried to sell me the replacement plan. I declined.
His manager was hovering over this whole transaction...at this point he punched a code and said... "Sell him the plan..." to his employee...
Then he said to me, "I'm gonna save you a ton of money." and punched in
the code for the printer trade-in... (even though I didn't have the printers / in car).I told the employee I didn't want the replacement plan and that I had two printers
to recycle in my car, so please take off the replacement plan. He wanted to see
the printers before he completed the transaction (which only makes sense), but used
the time to talk to his manager again, while I went to get them.When I returned, they had decided they were going to sell the printers to me along
with the printer trade-in, but they weren't going to scan the 10 off coupon twice.
Only once... because the coupon technically says one per customer, not per transaction.
I was tired of fighting at this point...I then paid the whole bill with rewards -- which made them even more upset...I dropped 1500 dollars on serious business supplies back in Dec...
I'm getting tired of being made to feel like a criminal when I simply ask for the
'advertised' deal and try and make use of their 'advertised' coupons, with their
'advertised' trade-ins with their 'advertised rewards'.... *sigh*I know it's all a game to get me in the store and to upsell me. But they must know
there are people who are going to come in and just want the 'advertised' deal and
that's it!! Why make your customer's feel this way because you advertised it?? *sigh*Even Bestbuy hasn't pressured me this much recently. No wonder Staples is going out...Anyway, this deal is for the brave and the bold I suppose... but it's all advertised.
Go prepared though... not every flyer has the 50 trade-in offer printed for the MG5420.
I had the guy look it up online... and I had my smart phone ready to show him.Good Luck
Staples Coupons
This has been mentioned in another thread, but I think it deserves it's own topic.This is a great printer in it's own right. No generic inks yet, but many quality
features / Auto duplexing / great lab quality photo prints / Scanner / Wireless
Airprint from iPhone / iPad / Android etc...$99.99 for the MG5420
-10.00 coupon (online 78390, in store 14844 - check the flyer for this coupon)
-50.00 printer trade in (bring receipt and old printer for trade-in)39.99 for a great printerLink
Now be ready for some push back from employees / managers on this one!!
Be ready to be made to feel like a criminal also!!When I tried this at the first Staples. I had two MG5420's loaded in my cart.
They said I couldn't use the coupon for 10 off with this printer... even though
item 136624 is specifically mentioned on the coupon. (Had to point this out to them.)Then they said I couldn't do the printer trade-in in combination with this printer and
the coupon... although both are listed in their flyer and online. (pointed this out also)Employee tried to sell me expensive inks... I declined.
Then he tried to sell me the replacement plan. I declined.
His manager was hovering over this whole transaction...at this point he punched a code and said... "Sell him the plan..." to his employee...
Then he said to me, "I'm gonna save you a ton of money." and punched in
the code for the printer trade-in... (even though I didn't have the printers / in car).I told the employee I didn't want the replacement plan and that I had two printers
to recycle in my car, so please take off the replacement plan. He wanted to see
the printers before he completed the transaction (which only makes sense), but used
the time to talk to his manager again, while I went to get them.When I returned, they had decided they were going to sell the printers to me along
with the printer trade-in, but they weren't going to scan the 10 off coupon twice.
Only once... because the coupon technically says one per customer, not per transaction.
I was tired of fighting at this point...I then paid the whole bill with rewards -- which made them even more upset...I dropped 1500 dollars on serious business supplies back in Dec...
I'm getting tired of being made to feel like a criminal when I simply ask for the
'advertised' deal and try and make use of their 'advertised' coupons, with their
'advertised' trade-ins with their 'advertised rewards'.... *sigh*I know it's all a game to get me in the store and to upsell me. But they must know
there are people who are going to come in and just want the 'advertised' deal and
that's it!! Why make your customer's feel this way because you advertised it?? *sigh*Even Bestbuy hasn't pressured me this much recently. No wonder Staples is going out...Anyway, this deal is for the brave and the bold I suppose... but it's all advertised.
Go prepared though... not every flyer has the 50 trade-in offer printed for the MG5420.
I had the guy look it up online... and I had my smart phone ready to show him.Good Luck
Staples Coupons
Need Advice - Transfer 50% Ownership of SFR in Las Vegas
Added on : Thursday April 25th 2013 12:01:38 PM
Hello Fellow FWers,I am in need of some help regarding a real estate transaction my business partner and I are trying to conduct.We're in the process of purchasing a SFR in Las Vegas for approximately $100k to be used as an investment property.For various reasons, my business partner will solely be purchasing the home in his name since he will solely be acquiring the mortgage. (We will only be paying 20% down)Following the close of escrow, we have discussed quit claiming 50% of the property to me in exchange for half the costs of acquiring the property. (10% down + 50% closing costs).This brings up several issues that no one has been able to give us a clear answer on:1. Could this cause the lender to enact the Due on Sale Clause?2. Would this transaction constitute a Gift, and perhaps subject my business partner to the Gift Tax? Albeit, there is obviously a gift tax exclusion amount.3. Do we specifically need to list the amount of consideration on the quit claim deed?4. What would my basis in the property be? I would be assuming half the mortgage payments as well, but this would be done on a separate legal agreement between us.
We have decided to keep the property under our names in order to take advantage of the $25k special real estate passive loss limit. Yes, we are under $100k agi. We are each acquiring umbrella policies for protection.Let me know if I missed anything. Thank you all so much for your help.
Vasectomy (at least $180) or Tubal Legation (no cost)?
Added on : Wednesday April 24th 2013 10:01:27 PM
My wife decided to stop taking hormonal birth control for health reasons about 2 years ago. Now it is time for something permanent. Two years ago the choice was obvious to us, a vasectomy for me. At the time, my procedure was simpler and cheaper. Now, we found out due to the ACA tubal legations are "free" thru my insurance while vasectomies cost at least $60 per office visit, with a minimum of 3 visits. I am thinking it makes more sense to get her the free tubal legation instead of forking over $180 or more for a vasectomy. Are more men going to chose not to get vasectomies due to the higher costs involved than the alternative? Thoughts?
Gifting income generating assets to parents
Added on : Wednesday April 24th 2013 10:01:27 PM
I've been tooling around with this idea in my head for a while. It's a long way from going into action but I thought I would throw it out there in case people have useful input. My parents are in their late 50s and will be retiring soon. They are quite low income, but they have no debt and will have enough savings to get by along with some small pensions and hopefully social security. I would like them to be able to have a lot more than just enough to get by so I plan to help them out a bit in the future when presumably I will have more substantial means. This will give them more freedom to enjoy their retirement by taking luxuries such as trips they might not otherwise be able to afford.My tax rate will be much higher than there's so simply gifting them money is not very tax efficient. Right now the gap in our tax rates is 20%, and that may grow to be 30% or more in the future. So if I earn a dollar and pay tax on it and give them what's left they will get 20 to 30 cents less than if I could give them an asset that generates income so they pay the tax. I want to start gifting them income earning assets in the future to accomplish this.My plan, and it's a very long-term one, is to start gifting them interest in rental real estate as it approaches being fully depreciated. Right now my property doesn't throw off much taxable income after depreciation. I am locked into a 30 year mortgage at a low rate. Over time mortgage interest will go down, rents will go up, and the building will be depreciated for tax purposes. I figure I can capture the benefits of the depreciation to shelter my earnings now, and over time as the tax gains on the building go up and so do my tax rates, I'll start gifting an interest in the building to them. This will reduce my taxable income and increase my parent's. I can gift $14,000 per year to both my mother and father. That's 28,000 per year total (and 56,000 if I'm married then) which I can transfer tax free. I may or may not need to transfer the property into a partnership to ease the transfer (gift them partnership interest where you can take more aggressive valuation discounts), but I haven't gotten that far yet. I want the transfer to be done in a way so that there is no deemed sale for tax purposes and also at a rate low enough to not eat into my own lifetime gift tax exclusion, hence the $14,000 per year rather than gifting them the whole building at once. I would transfer this amount every year until they own the property free and clear, and then just charge them a nominal fee to manage it for them.Right now I would have to pay taxes on around $5,000 in income for the building, but twenty years from now it will probably be generating more like $20,000-30,000. The tax savings on the transfer at this point would be substantial. And although it's a rather morbid way to think about it I may even end up further ahead tax-wise. When they eventually die the property would likely revert back to me through their estate. It would have been fully depreciated by this point so if it's sold before their death the property would be subject to full depreciation recapture plus tax on any increases in value. But if it's in their estate it would get a full step up in basis, all the depreciation would be wiped out, and since their estate will be well below the exclusion there is no estate tax due. I would then have possession of a brand new depreciable building as if I had just bought it. Or it could go to grandkids if they are in the picture and that is more efficient. The biggest risk I can think of is losing control of the building. It would count towards their assets for any type of government assistance if they needed medicaid or whatnot at end of life. And in the unlikely event they decide to go against my advice and wishes and sell the property to pay for something else I couldn't stop them.This type of gifting, going up generations instead of down, is probably rare. It's just something I think will work out really well in my situation and I'm wondering what other people think about it?
drugstore.com has the Promax Nutrition Protein Energy Bars on sale 30% off.
Stack that with their B2G1 promo...
Stack that with their 20% off (or $10 off "new" customers).
+ Get a free Sample-filled tote!Final price for 3 packs of 12:
With $10 off = $25.98.
With 20% off = $28.78.~~~~~~
Links:Decide if you're going with the 20% off or the $10 off before you start... (Else you'll have to go through clearing cookies again. )20% off:
Click here to activate (can close browser window/tab after activating.)
[Alternatively use $10 off $50 below]Free Tote:
Click here to activate (can close browser window/tab after activating.)Promax Nutrition Bars:
Click here, select desired product/products and add 3 (THREE) to cart.$10 off $50 (FW affiliate link):
Click here to activate. (In cart, enter zip-code code and click "get estimate" to see $10 discount).
drugstore.com Coupons
Best financial route of action for a speeding ticket
Added on : Tuesday April 23rd 2013 10:02:16 AM
I was driving to St. Louis this weekend from Chicago for a family event.On 55N I was clocked doing 80 in a 65 in Logan County, IL and pulled over by a State Trooper.It was a quick transaction - I didn't have anything to say and the officer had only his faux "be careful" speech while handing me over the little slip of revenue generation.I have a clean driving record - last time I recall getting a ticket was probably 5+ years ago during a yearly speed-trap event set up near my home. I don't recall, but I'm sure I would have taken the traffic school option to not effect my license.The ticket is for $120. I'm out that money no matter what. My option is to request "court supervision" where, somehow - even though the ticket is still reported, it won't be a mark on my license.I talked with an attorney out of that county and they say it will cost $300 to get court supervision on top of the $120 ticket. This is the county fee - not the attorney.So I have the option of paying $300 more for the mark not to appear on my license. I'm curious as to how much this would actually effect my insurance rates were it to reach my license.Is $300 now better than the higher insurance rates I will pay for the next 2-3 years?If I want to go the court supervision route, I then need to decide whether I want to drive the 6 hours round trip out to Logan County or pay the attorney $250 to take care of it for me.
That's a net $200 after gas - and a day I need to take off of work.WWYD?
Keep your insurance card in your pocket: it can save your life
Added on : Tuesday April 23rd 2013 02:03:50 AM
I heard this extremely unfortunate story, hopefully, it won't happen to any of us:
Coworker A had a sudden heart attack. Coworker B drove A to the closest hospital. When arrived, A was already unconscious, so B was trying to help out with the paperwork. B doesn't know if A has insurance or not, and A doesn't have an insurance card in her pocket, so B was told by the hospital to pick one of the two options below:
1) Drive A to the nearest county hospital, because they can't take her without her insurance information
2) Have B sign a form so that if A fails to pay her hospital bills, B will be liable to pay
B couldn't decide, but kept trying to call A's husband a million times, but couldn't reach him. A died waiting. I don't know if the hospital's refusal is legal or not (lawyers, please chime in), but it is certainly not ethical.ALWAYS HAVE YOUR INSURANCE CARD WITH YOU, IT CAN SAVE YOUR LIFE!I know a lot of us are actively thinning our wallet and took advantage of the SuperSkinny deal a little bit ago, and have been trying to take out unnecessary cards, but your medical insurance card isn't one of them.
Company Tuition Assistance being Denied
Added on : Monday April 22nd 2013 12:01:19 AM
I'm a little hesitant to post this question but I really need some good advice and FW has been great to me.Short version:
Company policy states I'm eligible for tuition assistance. I have 2 weeks to get my managers approval for assistance. My manager has denied me in the past and is procrastinating an answer this time.Long version:
I took a position as a credit analyst at a large Bank in Central Oregon. I graduated in 2010 and because of the market and got a job as a banker. I was promoted to a credit analyst in early 2012 making shy of 40k. I took the position at a low pay because tuition assistance was offered and I needed the experience. I pushed my manager to allow me to allow me to start a masters in stats in 2012 to allow me to work to being a "Credit Risk Analyst". I got accepted into the program. My manager told me that it wasn't in the budget for the 2012 year and that I could ask again next year. I went ahead and took the class on my my own dime (about $3k) stupidly expecting something different the next time round. I was told that Masters in Stats wasn't applicable to my current job and was denied, dropped out of the program. I decided to change majors and am accepted into a "Masters in Accounting and Financial Management" that is un-arguably applicable to my current position. My manager hasn't formally denied me, but keeps putting it off, and has been rude when I push the topic. I only have 2 weeks before classes start and need to get her approval before I register for the classes. My boss has a group of 8 analyst and has a quarter of them on action plans already and has threatened me with one. I am a great worker and contribute more than my fair share to the group and work more hours than anyone else including my manager. My wife is pregnant (I haven't told my boss that yet) and really need a job.They offer up to $5k/year in tuition. I have also applied around in Central Oregon but there are almost no credit analyst positions in the immediate area. I am trying to close on my first place this week, and wife being pregnant really need to stay in the area for a year.I would talk to HR, however my boss has already threatened me with an action plan. If I am on an action plan I am ineligible for tuition assistance.A similar question has been asked here. I really don't like the answer because it sounds like a company can hold you accountable to it if you don't follow policy, but if they don't follow their own policy they are legally allowed to discriminate as long as it's not because of age, gender, religion, ect.What would you do if you were in my shoes?
Minivan buying help
Added on : Friday April 19th 2013 07:01:55 PM
Mods - please move to appropriate forum if Finance is not the right one.After a lot of considerations we have finally decided that we need a minivan.. We have a sedan (Nissan Altima - this will be the trade in) and a SUV (Toyota Highlander HB) I have looked at Odyssey, Sienna and Caravan. But it seems till now Odyssey is first choice followed by Sienna per my wife and she will be the primary driver. We looked into both new 2013 models and used 2011 onwards models. Our choice of trim level is EXL for Odyssey and XLE for Sienna without Navigation and DVD player/s. When I looked at prices on various websites I was surprised to see that 2011 used and 2013 new has price differential of only $1000 at the most and in some cases no difference for like to like comparison. The Honda dealer quoted 32K for new Odyssey EXL and Toyota dealer 34K for new Sienna as base price without any negotiations. Both were offering 0% finance for new cars - I can also buy cash if I am getting good price for new or used. My question to forum is should I go for used or new and why the pricing looks wierd? I have experienced auto buying both ways (Nissan bought new and is 10 yr old, Highlander bought 3 yr used and is 7 yr old)and am OK with either of the way - All I am looking for is value for money. Thanks
Business insurance, quotes online? Where to get best rates?
Added on : Thursday April 18th 2013 08:01:08 AM
Nationwide decided to not renew our business insurance policy and I've gotta quotes from agents that work at the Nationwide branch where we first got our insurance (10 years ago) and also an allstate agency. Both quotes are over double what we have been paying before, which is absurd. I cant seem to get quotes online from any of the major insurers, or is there a trustworthy site that can give me multiple quotes online or something? Or do I just have to go to more agencys until I get an acceptable quote? I have 10 days to get a new policy as the nationwide policy expires on the 28th. The nationwide agent was taking her sweet time, can you imagine it took her over 2 weeks to get this quote to me. Calling me each day with one or two silly questions and finally I got the crazy quote yesterday. That was just crazy, the allstate agent had a complete quote the next day!
Wiring money to US after selling house in MOm's original country
Added on : Wednesday April 17th 2013 06:02:15 PM
My Mom who lives in Us since more than 20 years decided to sell the family house in her home country along with other small commercial that she owns in her original home country . She does not have bank account , (she never worked in Us and she is above 70 ) in US and she wants me to transfer the money into my bank account , planning to buy a house later in Us . IIs there any problem or concerns . The value is aroun 350K US ? Any advise
Chase minimum payment lawsuit
Added on : Wednesday April 17th 2013 01:01:17 PM
I can't find the old thread about this Chase fiasco, but I finally received a settlement check from Chase. Basically Chase decided to change their minimum payment requirements to 5% of the outstanding balance (from 2%) after the balance transfers had already been made. Deceptive (if not illegal) at the very least. There is more information here:http://chaseminpaymentlawsuit.com/I received a $52 check. I had transferred around $10K. I decided to just increase my payment to 5% and paid it off as quickly as possible. Anybody else care to post their experience? I'm just curious if there was any rhyme or reason to the amount of each settlement check.
Hello. My wife needs a new car. We're looking for a family sedan with leather and good gas mileage. After reading around the Honda Accord looked great on paper. The 4 cylinder gets amazing gas mileage, it looks great, and its loaded with features. But during the test drive I was surprised at how bad the 4 cylinder was off the line. I knew it wouldn't be anything amazing, but I was hoping for better. We drove the V6 and it was fun, but then you are losing the gas mileage.We also took an Acura TSX for a test spin. It was a bit smaller which was okay. The 4 cylinder was more peppy which I liked. The gas mileage again wasn't as good, but that's what you get with more power. I had to say that before one of you did Overall we weren't too impressed with the TSX. You have to buy their tech package for $3k to get many of the features that were standard on the Accord. You are paying a lot for brand, and for us it isn't worth it.I'm just looking for any suggestions on any other cars we should look in to. We want a sedan that is about the size of the TSX or maybe a bit bigger. The Civic was too small for sure. Something with a bit more power than the i4 Accord would be nice. We would like a back-up camera too. Our price range is in the mid 20s give or take. If you have bought a Sedan recently, please let me know how you decided on your car. Thanks.
Those Darn Squirrels!
by Adam Rubin & Daniel Salmierihttps://itunes.apple.com/us/book/id561048854?mt=11Old Man Fookwire is a grump. The only thing he likes to do is paint pictures of the birds that visit his backyard. The problem is, they fly south every winter, leaving him sad and lonely. So he decides to get them to stay by putting up beautiful birdfeeders filled with seeds and berries. Unfortunately, the squirrels like the treats, too, and make a daring raid on the feeders. The conflict escalatesuntil the birds depart (as usual), and the squirrels come up with a plan that completely charms the old grump.Requirements: This book requires iBooks 1.2 or later and iOS 4.2 or later. Books can only be viewed using iBooks on an iPad, iPhone (3G or later), or iPod touch (2nd generation or later).
Property insurance for a college student
Added on : Monday April 15th 2013 09:01:10 PM
I have been looking at property insurance for my children when they are at college. Although I wanted coverage for theft, I also wanted a policy that covered damage due to accidents. More of my friends' children have dropped or spilled something on their laptops or phones than had items stolen at school. Options:1.Homeowners policy. I decide against this option because I have a deductible that exceeds the value of every possession any of my children will have at school. Although I could reduce the deductible, the cost of doing so didnt make sense. Also, I am unwilling to risk losing coverage due to making small claims.2.Rental insurance. Although rental insurance might be a good option, most policies I found (HO-4) did not cover accidental damage.3.Separate policies for electronics. Most policies for phones and laptops are in my opinion overpriced and do not cover spills.4.Specialized insurance. There are at least two major firms, CSI and NSI that tailor their policies to college students. Each of these companies offers plans that cover the same perils that the rental insurance plans I considered plus accidental damage.Once I decided on option 4, I compared CSI and NSI. I selected CSI because for as little as $1 more per year than NSI, its policies offered more coverage for bicycles and jewelry plus identity theft insurance. Although there may be better options, I thought this might at least help someone at FWF considering insurance for a college student. CSINSI
Advice: Business Loan and Refinancing
Added on : Monday April 15th 2013 05:01:27 PM
Thought about posting using an alt ID but decided not to since I was too lazy to make one.Took in a loan to open a taco stand. Wasn't able to procure an SBA loan due to my short work history so had to go with a health professional loan with Wells Fargo. Was pretty easy to get a loan approved. It is amazing the amount of money they hand over when you ask for it.Here is the original loan details:
Principle: $183,000
Annual Interest Rate with Computing Payment Schedule: 7.59%
# of payments: 120
Capitalized Finance Charge: $1011Installments:
3 @ 100
9 @ 1236
12 @ 1854
96 @ 2472The business did better than I expected and we started churning a profit much earlier. Gross profit for first year was higher than expected so money that was borrowed for working capital wasn't touched too much. I took some of that profit and capital portion of the loan and gave it back to WF (about $100k). Loan right now is sitting at close to 100k which I expect to pay off aggressively over the next 2 years or so unless I can get a lower finance rate at which point I will concentrate on paying off my $80k in student loans sitting at 6.8%. What do you guys/gal think?Maybe it is due time for me to write up one of those "Help me with my finances thread" where people tell me that I cannot afford my cell phone and sodas.
Anybody else have problems e-filing this year because of Obamacare?
Added on : Monday April 15th 2013 01:02:11 PM
I already had 4 items in box 12 of my W-2 (been this way for a few years), but the new employer paid health insurance reporting added a 5th. There is only space for 4 items in box 12, so my employer generated a second W-2 with only box 12 populated with the health insurance premium (code DD). This second W-2 didn't have any income on it, so that is ineligible for e-file.Pain in the butt for something that doesn't affect my tax liability (yet, at least). I decided to delete that second W-2 and e-file with the understanding that this will probably trigger scrutiny later on (but scrutiny that is easily explained).
Car insurance, non-owner
Added on : Monday April 15th 2013 12:01:08 PM
I sold my car a few months ago and do not plan on buying another for at least 6 months. I've heard that if I cancel my insurance, my rates will skyrocket when I need to get insurance in the future because of the lapse.I occasionally rent, my credit card will cover collision but I still need liability.
I occasionally borrow, so I feel it would be best to maintain collision as well.I called my insurance agent and explained that I no longer own the car, he said he could move me to a non-owners policy, which would be $75/month instead of $100/month and would remove collision coverage. I decided against it and he let me keep the policy on a car I no longer own. Now I'm kind of wondering if the fact that my policy covers a car I no longer own and that I'm receiving discounts on coverage because of certain features on a car I don't own will give them a reason not pay certain claims. Also, my last vehicle was in a higher class than that of which I rent, so I'm wondering if I'm paying too much.For somebody without a car that occasionally rents/borrows... what would be the best insurance option?
Termination!! Obviously sob stories.. What to do next?
Added on : Saturday April 13th 2013 06:02:20 PM
Hello, I hope that you are having pleasant day. I've been learning a lot from FW finance forum- today, I humbly ask for your honest opinion of what I should do next. Since I didn't want to get this issue known to anybody(though this is anonymous forum... crazy, I know), I used Alt-ID and for that, I am genuinely so sorry about those who don't like to see Alt-ID: never knew I would be the one that would be using it. After the graduation of college, I decided to stay at college town so that my fiance could finish her degree. (I majored in Economics, for those who care). Since I wanted to do something useful while waiting, I started my first career as a teller in a local bank. Even though I knew that being a teller wasn't going to strengthen my resume, I worked really hard as if becoming teller was my destiny. I quickly reached incentive level and reached top 10 percent of tellers among five states, which was all good. The cash flow from being a teller wasn't big enough, but I was able to put food on the table along with some nice gift for my gal. I was a happy man back then. Then the cookie started to crumble. The relationship between my fiance and me went south- after breakup, I realized that I do not have any connection or friends. While I don't want to say that the time that I spent with her was a waste, I certainly should have had my personal life. I was floating in middle of nowhere in geographic sense(not in a big city like Boston, Chicago, San Francisco etc) either. I was stressed as is and this was what happened after a week of breakup. I was preparing to move to another big city so that I can finally start my second beginning albeit it was without her. We, as retail tellers, occasionally help the commercial tellers because there is so much for the commercial tellers to do. That day was the day that commercial room wasn't able to handle the workload that they are given. After 5:00PM, I realized that I was 5.14 dollars short from the drawer and the commercial room asked for the help they needed. Grudgingly any available retail tellers started to help them out. At 7:00PM, everybody was tired and wanted to go home. At the very last deposit, I found a deposit slip where they did not write down the amount of deposit. THIS WAS WHERE IT WENT WRONG. For some reason, I put 5 dollars less than what the actual deposit was (not 5.14!!!). I did not know what got into my head- the balancing wasn't my motive to put that money into my drawer since I ended up writing off 14 cents. My balancing rate was more than 95 percent so I knew for sure that my supervisor would not mind me being off 5.14 dollars let alone 14 cents. My coworkers saw me underwriting from the deposit and reported to supervisor that I shorted them for 5 dollars. Few minutes later, managers available at 7PM all gathered up and asked me whether I did that terrible act. He asked me whether I really did that since he could not believe the fact that I, who were so enthusiastic and friendly about this bank, would commit this serious issue. I told them the truth as I wouldn't lie. They asked me that whether I have been doing that more than once and I told them that I did not. If that was the case, I would've denied the fact that I shorted commercial deposit at the first place instead of admitting it. They agreed that I am not the character like that and yet were deeply shocked by this incidence. They told me to correct the transaction and come back tomorrow for further action. Feeling terrible and befuddled about the motive of force balancing, I showed up to my work after that day. I have concluded that the recent crumble with the relationship that went south interfered with the clear thinking that I always had. They took the whole day to investigate whether I shorted other customers to balance myself. Of course, they was not able to find the supporting evidence as I never did such act prior to this. After escalating this issue to vice president and HR, they decided to terminate me. I was asked to sign the paper where it read as "the bank has lost trust to employee XXXXX for this action and has decided to terminate his position". However, the head of HR told me that the bank and supervisors do not believe that I did this in any malicious way- but they have to follow the compliance. Long story short, I was terminated with free of charge(no, they did not call police), which was fortunate. The head of HR further told me that they will only verify the start date and duration of employment, the tile as a teller- they would not answer the question of eligibility of rehire. She added that they use the term terminated for every single person who leave the bank: whether it is their own accord, retired, or terminated. I honestly think that this is the end of line for me- I lost everything that I took pride and loved. I lost my fiance, and now I lost my career where I once took my pride and excelled at. With the big termination mark at teller job, I do not think that any financial institution would hire me. I wanted to apply asset management careers after getting myself married and moving to a big city but all those dreams turned into ashes. Honestly, who would hire me after hearing this story? While I certainly don't hope that this would lead to depression or any sort, I would like to ask for your opinion. Am I done for the life? Would I be better off throwing myself from the building? <-Okay, that was little bit extreme, but I really, really don't know what to do. I don't even know whether I should be posting this. Please share me your thought.
Titling Property in a minors name
Added on : Friday April 12th 2013 05:01:30 PM
Hello all:I've been reading here for years; learned a lot! I finally decided to buy some land off the foreclosure auction to hopefully one day have the cash to flip houses. Auction is coming up in about two weeks and I will be buying a plot of land in the 5k range. I see them on eBay for about 9k. With all fees I stand to walk away with 2-3k in profit. I am going through all the preparations (Don't worry I know a few people that do this on a regular basis) and have come across the dilemma of titling. How would I title the land? I want to avoid at all costs using a family members name as things are constantly shaky. I am thinking of making a corporation (YoungInvestor LLC) and making myself the owner of the LLC. I know LLC's can own property but can a minor operate them? I am only 16 and with this I would be frequently buying properties off the auction and selling them. I know there are attorneys on here and I need some advice. I am in upstate FL if it matters.Thanks
YoungInvestor