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Free Phazyme Gas Relief Softgels @VONS with Just4U membership YMMV
Added on : Wednesday September 17th 2014 09:00:18 AM
g: 0 Posted By: TheNomad
Views: 363 Replies: 0 Login to your Just4U accunt at Vons.com
Go to Coupons section (not personalized deals)
Click the arrow next to the box saying "Items per page" and select "All" option
Give it a few seconds to load all coupons
Search in your browser for word "phazyme"
If you are in the targeted audience (if it is targeted that is) you will see the coupon. Mine said FREE 12-Count limit 2
Good luck

Health & Beauty Deals
Free Phazyme Gas Relief Softgels @VONS with Just4U membership YMMV
Added on : Wednesday September 17th 2014 08:00:17 AM
g: 0 Posted By: TheNomad
Views: 172 Replies: 0 Login to your Just4U accunt at Vons.com
Go to Coupons section (not personalized deals)
Click the arrow next to the box saying "Items per page" and select "All" option
Give it a few seconds to load all coupons
Search in your browser for word "phazyme"
If you are in the targeted audience (if it is targeted that is) you will see the coupon. Mine said FREE 12-Count limit 2
Good luck

Totally Free Deals
Free Marcela Valladolid Frozen Entree at Safeway - FB
Added on : Wednesday September 17th 2014 07:00:19 AM
g: 1 Posted By: remick
Views: 162 Replies: 1 https://www.facebook.com/Safeway?sk=app_912482858765243
Totally Free Deals
100 Caffeine Pills 200mg - $1.99 @ PipingRock.com
Added on : Wednesday September 17th 2014 06:00:06 AM
g: 2 Posted By: Xenocrates
Views: 1040 Replies: 14 100 Caffeine Pills 200mg- $1.99 @ PipingRock.com

$0.50 cheaper then the last few times it's gone up!


Health Deals

Piping Rock Health Products Coupons
Performance Mouse - Logitech @ Staples $49.99.
Added on : Wednesday September 17th 2014 02:00:04 AM
g: 0 Posted By: boomauger
Views: 257 Replies: 3 I have seen this offer a few times in the forums. Looks like Staples has it this time. Logitech Performance Mouse. @ $49.99. Cheapest I see online right now.

http://www.staples.com/Logitech-Performance-Mouse-MX/product_807...
Keyboard & Mouse Deals

Staples Coupons
Performance Mouse - Logitech @ Staples
Added on : Wednesday September 17th 2014 01:00:03 AM
g: -1 Posted By: boomauger
Views: 152 Replies: 1 I have seen this offer a few times in the forums. Looks like Staples has it this time. Logitech Performance Mouse. @ $49.99. Cheapest I see online right now.

http://www.staples.com/Logitech-Performance-Mouse-MX/product_807...
100 Caffeine Pills 200mg - $1.99 FS @ PipingRock.com
Added on : Tuesday September 16th 2014 09:00:08 PM
g: 0 Posted By: Xenocrates
Views: 164 Replies: 0 100 Caffeine Pills 200mg- $1.99 FS @ PipingRock.com

$0.50 cheaper then the last few times it's gone up!


Health Deals

Piping Rock Health Products Coupons
g: 0 Posted By: rooms222
Views: 0 Replies: 0 Dillard's has 40% off all Clearance items starting Today (Wed.) for Dillard's Cardholders. It is both online and B&M. It opens to all on Thursday through Saturday.

Lots of Men's Clothing, Shoes, Handbags, and Women's Sleepwear. More Women's Clothing than the last sale. Some Luggage, but few Kitchen items.
g: 0 Posted By: SegaRob
Views: 43 Replies: 0 Here is a list of NYS municipal bonds funds from BlackRock: http://www.blackrock.com/investing/products/product-list#categor...

They have similar funds for other states and national. The NY funds invest in bonds "exempt from federal income taxes (including the alternative minimum tax) and New York State and New York City personal income" which could be 40-50% for high-income earners. Currently, they are selling at 10% discount to net-asset value (NAV) which means you're paying 10% less than buying the bonds individually. I've looked into some of the underlying bonds and they seem to be trading at roughly 10% premium to par value so with the bond fund you're entering at roughly par value. The default rates are exceedingly low.

Over the last 10 years, when including dividends/distributions, these funds have performed similarly to S&P and Dow indexes: http://stockcharts.com/freecharts/perf.php?$INDU,SPY,MHN
The graph doesn't include taxes, so after taxes, the net gain is quite similar. At some points, the gains have far outpaced the stocks which might be in the cards for the near future if there's a correction in the stock market after the last few years of significant gains.

With the fed meeting tomorrow, I expect there might be a big spike up or down depending on the outcome. Despite the short-term volatility, I think long-term that the bonds will converge towards par-value and the fund will converge towards NAV which is essentially leads us to the same prices at present. Even without price/capital appreciation, the ~6% yield equivalent to 10% taxable yield is far better than any savings account at present or anytime in the near future. Depending on your thoughts about what the fed report might entail, you may prefer to invest now or after the meeting tomorrow when the dust settles.
Investing Deals
Alliant CU - $150 cash bonus for New Checking Account Holders
Added on : Tuesday September 16th 2014 06:00:14 AM
g: 0 Posted By: pbabb2
Views: 17 Replies: 0 $150 cash bonus for opening Alliant checking accountRecieved this via email yesterday. Seems like a fairly easy $150 (a few requirements outlined below) and I've had good experiences with Alliant in the past (have a credit card with them).

https://www.alliantcreditunion.com/OnlineBanking/Login.aspx?Retu... directs you to online login. must be an alliant member which is free)

Here's how to get $150...

1. September 2 to October 31, 2014 Open an Alliant Checking account AND
2. By November 14, 2014

Make at least one purchase with your Alliant Visa Debit Card
Make at least one payment using Alliant Bill Pay
Meet the two easy requirements of High Rate Checking:

o Opt out of paper statements AND
o Make at least one monthly electronic deposit (direct deposit, payroll deposit, ATM deposit, or transfer from another financial institution)

With Alliant checking, you can earn 7x the bank national average on your account,2,4 and you get access to 80,000 surcharge-free ATMs,5 online banking, mobile banking apps6 and a Visa Debit Card - all for free, with no monthly service fees on your account.

$150 bonus offer is available for new checking accountholders only, including Free Teen Checking.1,2 One $150 bonus per member.2

Offer ends October 31, 2014.

Use promo code CHEK002.

To apply online, you must first log in to Alliant Online Banking. Then select "Open an account" on the right menu and follow prompts. For personal assistance call 800-328-1935 or visit an Alliant Branch.

FINE PRINT:
1 To qualify to receive the $150 bonus deposit, member must open an Alliant checking account between September 2, 2014, and October 31, 2014, and complete the following three actions by November 14, 2014: (1) meet the requirements of Alliant High Rate Checking; (2) make at least one signature- or PIN-based purchase with the Alliant Credit Union Visa Debit Card; and (3) make at least one online bill payment using the free bill pay service in Alliant Online Banking. This bonus deposit offer is not applicable to those who opened an Alliant checking account prior to September 2, 2014, or those who open Alliant checking after October 31, 2014. No minimum balance required to earn the bonus. Offer cannot be used in conjunction with any other checking offer. One $150 bonus deposit per member. Once we verify qualifications, we will deposit the $150 bonus deposit directly into the member's account. Deposit will be made by November 28, 2014, and appear on your November 2014 eStatement. Check the status of the bonus deposit on Alliant Online Banking. The $150 bonus deposit is considered as taxable income and will be paid as a special dividend and reported on IRS Form 1099-INT. This account must remain open for at least six months or the bonus amount will be subtracted from your checking or savings account upon closing. The August 2014 High Rate Checking dividend is 0.65% APY. APY is accurate as of the 06/19/2014 dividend declaration date. No minimum balance required to earn the dividend. Dividend may change after account is opened and is subject to change monthly. When applying for your checking account, use promo code CHEK002.

2 High Rate Checking dividends are paid on the last day of each month to checking accountholders who have opted out of receiving paper statements (receive eStatements only) and have a recurring monthly electronic deposit to their Alliant checking account each month (e.g., a direct deposit, payroll deposit, ATM deposit, mobile check deposit or transfer from another financial institution). Otherwise, Alliant checking accounts do not earn a dividend. Checking dividend may change after account is opened and is subject to change monthly. There is no minimum balance requirement to open an Alliant checking account or to earn the stated APY. Alliant checking is free; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the Alliant Fee Schedule for a list of these types of fees. Account is subject to approval. We may not open checking for you if you do not meet Alliant criteria.

3. Alliant eStatements are free. A fee will apply if you choose to receive your account statement in paper form. Refer to the Fee Schedule. To avoid the paper statement fee, log in to Alliant Online Banking to change your statement preference to eStatements.

4 Based on Alliants August 2014 High Rate Checking rate of 0.65% APY vs. the bank national average checking rate of 0.09% APY as of 08/01/2014 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

5 Surcharge-free ATMs include Alliant-owned ATMs and ATMs that are part of the Alliance One, Allpoint, Bank of the West, CO-OP Network, Credit Union 24 CU Here and Publix Presto networks. Transactions performed at other ATMs may be subject to the ATM owners surcharge fee. Not all ATMs accept deposits. Please see our online ATM Locator for a list of ATMs that accept deposits or are surcharge-free.

6 You must meet certain criteria for mobile check deposit. Limitations apply. Mobile check deposit requires a camera-enabled device. Data and text charges may apply. Check with your mobile provider.
Deposits Deals
no load / no fee mutual funds, where to find them ?
Added on : Monday September 15th 2014 03:00:08 PM
g: 0 Posted By: kinwin
Views: 46 Replies: 3 A few years ago I had an account with ING direct, and they offered no load, no fee, index funds.
Recently this company has been sold to capital one, and I just noticed they now charge $19.95 for each trade of mutual funds. I have not been able to find any mutual funds which is both no load AND no fees anymore.
Does any fatwallet'er out there know of any company offering truly no cost, mutual funds?
g: 82 Posted By: dshibb
Views: 1203 Replies: 8 Just as the title describes:

This is a thread that lists all of the Master Threads, Topic FAQ Threads, Large Guide Threads, etc. on FWF in one place (the Quick Summary).

Anybody can add a Master/FAQ/Guide/etc. thread to the Quick Summary presuming it fits with the spirit of being a Master, FAQ, Large Guide, etc. and it's listed in an appropriate category in the quick summary. How we define that may not be exact, but like the Supreme Court we may know it when we sit it.Typically that often means some combination of:
1) A broader subject matter (loading the quick summary with each deal/bank/etc. thread probably overkill)
2) Maybe a decent amount of Q&A
3) Subject matter has broad utility to numerous members as opposed to few or the one who created the thread



Discussion Deals
g: 0 Posted By: zmaster
Views: 115 Replies: 2 Just receive email from Savingstar.

Dear SavingStar Member,

Important Account Change:
Kroger, Dillons, Baker's, Gerbes, Fred Meyer, Fry's, JayC, King Soopers, City Market, Payless, Owen's, QFC, Ralphs, and Smith's.
The way you save at Kroger-owned stores will soon change. Starting October 1, Kroger will transition from an "automatic" (loyalty card) retailer and instead participate as a receipt-scanning retailer. This means that you will redeem SavingStar offers at all Kroger-owned stores by submitting a picture of your receipt instead of linking SavingStar offers to their loyalty card. This change impacts all Kroger-owned stores, including: Kroger, Dillons, Baker's, Gerbes, Fred Meyer, Fry's, JayC, King Soopers, City Market, Payless, Owen's, QFC, Ralphs, and Smith's. This was a corporate decision made by Kroger.

All SavingStar offers redeemed at Kroger-owned stores using your loyalty card must take place by September 30 (rewards will post to your account on or before October 9). Starting October 1, all redemptions will be credited when you submit a picture of your receipt, either through the SavingStar app or SavingStar.com.To learn more go here.Get the iPhone app here Get the Android app here

New Retailers
We are pleased to announce that also starting in October, you'll be able to redeem SavingStar offers at new stores Safeway, Vons, Food 4 Less and H-E-B by submitting a picture of your receipt using the SavingStar app or through SavingStar.com.Get the iPhone app here Get the Android app here.

Other recently added retailers include: WalMart, Target, Kmart, BJs, Costco, Sams Club, Walgreens, Dollar General, Family Dollar, Meijer, and WinCo.

Thank you for using SavingStar!
Sincerely,
The SavingStar Team



I don't know if this is good thing or bad. Kinda upset since it was nice to have automatic report.
In my opinion it is more work on my part, more time
Discussion Deals
Question Regarding Rental Income Interest Deduction
Added on : Monday September 15th 2014 02:00:07 AM
g: 0 Posted By: SoonerThanLater
Views: 27 Replies: 0 Hi All,

I've searched and really couldn't find anything about this. We've been renting out our old house for a few years now. We owe about $75k on it and we're thinking about refinancing down to 15 years. However, I was also thinking about just pulling the money out of a 401k and paying it off. I could save on closing costs and other fees. I know the pros and cons to each but I am just wondering how much I would be losing by forgoing the interest deduction???

If I refinance, I'll be paying about $2600 a year in interest. I am normally at the break even point on the rental. Does anyone know how much I will be giving up in "real dollars" when I file my taxes if I don't have that interest??? I know everyone's tax bracket is different but I am just looking for a ballpark to see if this will be worthwhile. I don't like paying interest but if I am getting everything back, that's different. However, I know that's not the case...

I welcome your input. Thanks all!
Real Estate Deals
UGG Women's Mini Bailey Bow Boots (Salt) - $104.99 w/ FS @ 6PM
Added on : Sunday September 14th 2014 03:00:02 PM
g: 0 Posted By: hellokitty27
Views: 137 Replies: 0 6PM has the UGG Women's Mini Bailey Bow Bootsin Feather for $104.99 w/ free shipping. Also available in Feather, but in limited sizes.

Twin-faced sheepskin upper with a suede heel guard and back lacing for added appeal
Genuine sheepskin lining keeps feet and ankles warm and cozy
Soft foam insole covered in sheepskin for unparalleled cushioning
Flexible and durable molded EVA outer sole keeps you stepping in style
Slight dye transfer may occur with darker colored sheepskin during first few wears

Shoes Deals

6PM Coupons
g: 0 Posted By: Eryeal
Views: 214 Replies: 0 I posted a deal from this vendor on the Y70 a few days ago, and to my surprise it didn't get shellacked, so posting this one as I view as even better, at least compared with all other prices that I can see. It's the same price as the much lower model on Lenovo.com (the one with less RAM, graphics memory, etc), and that one on Lenovo.com is even on sale. Seems like a good price for this model? Same vendor sells on Amazon for $1499.99.

http://www.klickonline.net/lenovo-y50-touch-laptop-59421835-core-i7-4710hq-16gb-ram-15-6in-fhd-multi-touch-1920x1080-nvidia-geforce-860m-4gb-1tb-8gb-sshd-wifi-ac/

4th Generation Intel Core i7-4710HQ Processor (3.50 GHz Turbo, 2.50GHz Base, 1600MHz 6MB)
NVidia GeForce 860M 4GB
Genuine Windows 8.1 64 bit
16GB PC3-12800 DDR3 1600MHz SDRAM SODIMM Memory
15.6" 10 Point Multi-Touch Full HD 1080p (1920 x 1080) AntiGlare Backlit Display with integrated camera
Hybrid 1TB + 8GB Solid State Hybrid Drive
Intel Dual Band Wireless-AC 3160
Bluetooth
720p HD Webcam
No Optical Drive
4 Cell 54 Watt Hour Lithium-Ion Battery
Backlit Keyboard


Here is the Y50 Touch on Lenovo with less specs for the same price:

http://shop.lenovo.com/us/en/laptops/lenovo/y-series/y50-touch/
Laptops Deals

Lenovo Coupons
WalMart Savings Catcher
Added on : Friday September 12th 2014 04:00:09 PM
g: 1 Posted By: juniorjam
Views: 144 Replies: 6 In case you didn't know (I can't believe there's not a substantive topic on this), WalMart has a SavingsCatcher program.After purchasing items, they use a 3rd party service to see if local stores (to you) offer lower prices. If they do, you get the difference on a WalMart gift card. You can let it accumulate, or cash it out on a gift card immediately.

I get all of my groceries from Wally World and used it about a week ago. I spent $120.76, set up an account on their website (WalMart.com/savingscatcher),and entered my receipt number when I got home. After a few days, I got back $4.25 (3.5%).

You can enter receipts for the last 7 days. You can earn up to$599.99 per year. Their FAQ is worth reading and is here: https://savingscatcher.walmart.com/faq.

Considering a lot of people (myself included) fight for an extra percent or two on reward cardsfor groceries, this is pretty freaking awesome. I submitted my second receipt tonight. We'll see if it's at the 3.5% mark. This is especially awesome sincemy WalMart is already noticeablycheaper than all of my local grocery competitors.

Good luck!




Discussion Deals
Business partnership ending and I got bad vibes, how to handle?
Added on : Friday September 12th 2014 03:00:08 PM
g: 0 Posted By: MightySlacker
Views: 70 Replies: 0 This is in the state of Ohio for reference. Some parts need to be left vague, but hopefully I can get in all pertinents.

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

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

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

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

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


Discussion Deals
Shelter Insurance Junior Special Policy- revisited from 2012
Added on : Friday September 12th 2014 12:00:09 PM
g: 0 Posted By: srhullender
Views: 149 Replies: 1 http://www.fullofdeals.com/forums/finance/1245931/

I stumbled across this post/thread/forum after doing a search on childlifeinsurancepolicies and wanted to comment.
A lot of misconception in this thread. A LOT! To touch on a few that really were way off track are as follows:

This is from the 1st posting...

"Let's take this slowly ...
1. Child life insurance does not help make sure children will be insurable in the future.
yes, it actually does. by buying a policy which carries "Guraranteed Insurability", the child will be able to purchase life insurance, regardless of health, in the future.
2. Child life insurance does help make sure children will be able to purchase from a limited set of adult product options.
True.
3. Those are typically awful products at awful prices.
Permanent Life Insurance is most defianltey applicable ina lot ofsituations.
4. Even where they are not awful products today, they almost certainly will be awful compared to more contemporary products offered 20 years from now.
FALSE! Waitng for those "future products" to "possibly" be more viable is rediculous to say. Plus, its not like we can erase time (as of yet, for you future dwellers lol). Hoping/praying for better products in the future designedto help protect our net worth will be useless unless you start now.
5. If truly uninsurable, those grown children will not be insurable.
What? This made as much sense as this entire post...
6. They will only have the ability to exercise the option to purchase the agreed upon product.
Exactly what its designed to do. And this is a bad thing?I'm actually kind of shocked by this display of pure ignorance. Every one of the posts in this thread are single minded. Let me start with a story...I have this client, we will call him Brian. He is a 39yo married man with a 1 year old. When I met Brian he was 29 and extremely active with his job. He is a risk assessor for a huge dot.com company. Anyway, I had found out shortly after I met Brian that he had Type 1 diabetes. Now Brian had not done such a great job over the years of treating his diabetes from when he was diagnosed at 16.
Soon after we became friends Brians diabetes got worse. He eventually had to have a kidney/pancreas transplant.Why am I bringing up Brian? Because Brian is one of millions who have Type 1 diabetes. (We arent even talking about any other disease or illness that can cause someone to be uninsuranble.) And Brian is one of millions who is 100% uninsurable. And if he were to find an insurance company who would write a policy on him (which to this date I cannot find), the cost would be so exorbitant that not even the examples above would hold a candle to it.When you can buy a policy for your child that A) doesn't have a continuous premium payment, B) Offers some sort of death benefit and C) offers a Guaranteed Insurability Rider which allows your child to purchase additional amounts later in life, regardless of health.... You are WINNING!

And trust me.Regardless of what products are out in 20, 30, or 40 years down the road or what this insurance is worth that far in the future. If Brian or any one of the millions of people out there were able to buy ANY amount or level of life insurance....they would buy it in a heartbeat! Ragardless of cost or death benefit.

I would say to all of the people who posted in this thread. "Stop being so cheap and actually buy something worth a darn for your kids. How many Wii, Nintendos, Atari, etc have you wasted on your kid already? Trying to tell me $240 is that much of a waste to benefit over a game system or any other crap you splurge on your kids with?" zzzzzzz



Discussion Deals
g: -1 Posted By: jc92782
Views: 124 Replies: 1 LEPA G Series G1600-MA 1600W 80 PLUS GOLD Certified Full Modular Power Supply !!! $ 239.99 After $ 60 MIR*** HOT *** Lepa Gold 1600W Full Modular PSU


Product Details

***$60 MAIL IN REBATE***

Regular Price: 329.95
Special Price: $299.95
Price after Rebate: $239.95 !!

Available 9/12/2014 - 9/20/2014 only

I have build few gaming rig , so far I have no issue yet. The best price I have seen so far


http://www.performance-pcs.com/catalog/index.php?main_page=produ...


g: 0 Posted By: DizzyT71
Views: 160 Replies: 0 Panasonic has their Portable Upper Arm Blood Pressure Monitor (EW3109W)on sale for$39.95 - $10.00 coupon code "BPM3109" = $29.95 with free shipping.

Compare at Amazon for $39.92.

Digital Filter Technology for Accurate Measurement
One Touch Operation-Easy to Use
Readings above 139 on Systolic or 89 Diastolic will automatically flash on the LCD screen
An automatic memory feature allows you to capture 90 readings and save them to track the readings over time
Large LCD Display, great gift for parents


4.4/5 Stars based on 1,494 customer reviews on Amazon.
Health Deals

Panasonic Coupons
Car Keyed - Any Experiences/What To Expect From Insurance
Added on : Friday September 12th 2014 02:00:06 AM
g: 0 Posted By: Mr0ffic3r
Views: 60 Replies: 3 My car was keyed either yesterday at work or the day before at night. I noticed it yesterday when I got home from work. I am in communication with Security at my work and they are checking into the video feeds to see if they can find anything.

I have a 2000 BMW 5 series with 260k miles - I do have full coverage.

It was keyed on the driver side from the front headlight all the way back to near the tail lights - I'll post pics later.

What is involved in repairing this? From what I see on a quick Google search, they will basically have to repaint 1/2 my car? Anyone have any personal experience with this? Am I wasting my time with even calling the insurance company being that my car is almost 15 years old and over 1/4 million miles? I maintain my car religiously, it's in top notch mechanical and eye candy condition. That being said, I'd be surprised if it's worth $5k on the market, although it's worth more than that to me.

Even though my car is in great condition for it's age and mileage, it's not perfect. There are a few scuff marks here (not noticeable unless you really look, couple <5mm rock chips on hood, etc., and there but nothing like a the deep scratch that you can easily feel where it was keyed - that runs along the side entire side of the vehicle.

Thoughts?


Plink has shut down
Added on : Thursday September 11th 2014 04:00:16 PM
g: 0 Posted By: doveroftke
Views: 77 Replies: 1 It seems these types of independent linked-card cash-back programs (there's an industry term for it, but I can't recall it) just can't stay in business as Plink has ceased operation today without any advance warning. As you might expect, any un-redeemed points are worthless now. Per Plink.com:
Plink.com said: To Our Loyal Plink Members

With much sadness and heavy hearts, we are sorry to tell you that Plink is closing its doors. As of today, the Plink site will be shut down and the program will cease to function.

As a start-up, we are reliant on continued funding and over the last year we have been unable to secure any additional funding. Unfortunately, without that funding, Plink can no longer continue to operate. As a team, we did everything we could to keep Plink alive, but we have now run out of time and options.

We owe a huge debt of gratitude to our loyal members who have supported us for the last three years. As a team, we want to thank all of our members, for their loyalty and continuing to stick with us to the end. We couldn't have made it this far without such a loyal, committed group of members.

We also want to thank all of our advertisers and partners who supported us over the last three years. It was their belief in us and willingness to support a small start-up that allowed Plink to grow. We are proud to have partnered with some of the largest restaurant and retail brands in the United States.

Moving forward, all Plink accounts will be closed. No further points can be redeemed.

Thanks to all from the Plink Team.

Any further questions can be directed to support@plink.com.

Sincerely,
The Plink Team

Oh well, got a few bucks out of it while it lasted.
Discussion Deals
Where should i apply for HELOC with lt; 7 Months Credit History
Added on : Thursday September 11th 2014 12:00:26 PM
g: 0 Posted By: mercuryyy
Views: 127 Replies: 1 Iv been checking dozen CU And Banks, only penfed Ran my credit for a HELOC and diclicned me due to not enough account history.
I just added 3 trade lines so my total will be something like
7 Car payments all on time -450$
CC:
500$ IBM CU - 3 Payment
300$ BOA - 5 Payment
1500$ Discover - 1 Payment
500$ Captial one biz card - 1 Payment
500$ Cahse Freedom - 1 Payment
all on time never late, no collections no public records nothing bad.

I know most answers would be just stick it through and build history but i dont really have time right now, my house is worth 350,000$ and its fully paid, i only want to take 250,000$ in a line of credit intrest only for 10/20 term about 60-75% LTV
I have tax returns support my income from 2013-2012 showing a up trend and an avg of 4000$ net for the 24 months.
I already have quite a few inqurys so i dont want to just go and run my luck and apply for many CU and bank and they all have the same answer we cant tell you until you run an application
Currently on my eye sight i got Suntrust bank and PNC Bank

my brother just added me as an authrized user he has over 2 years of on time payment with BOA but its been 2 months already i got the card in the mail but its still now showing on my report probably because the address is diffrent but they opened a ticket and investigating, i know underwritiers wont look at authrized users but most automatied systems will probably just reject me on the spot with oldest account 7 months old.

Anyway if anybody knows the best places with the most easy requerments i should apply at some local Credit unions or something please advise.
Credit Deals
g: 1 Posted By: Eryeal
Views: 203 Replies: 1 Yeah I know this may get red'd to death due to it's a $1500 laptop .. However, thought that maybe perhaps a few here would appreciate the deal. Laptop is currently at $1689 at Lenovo, the lowest it's been on Lenovo is $1599+tax according to some forums, and it's at $1599+shipping on Amazon from the same seller. On their website, it's $1499.99 shipped, which IMO is a pretty nice price for this machine and I don't think you'll find it any lower, or within $100.

http://www.klickonline.net/lenovo-y70-touch-laptop-80du000hus-core-i7-4710hq-512gb-ssd-16gb-ram-17-3in-fhd-1920x1080-display-nvidia-geforce-860m-4gb-wifi-ac/

4th Generation Intel Core i7-4710HQ Processor (3.50 GHz Turbo, 2.50GHz Base, 1600MHz 6MB)
NVidia GeForce 860M 4GB Graphics Card
Genuine Windows 8.1 64 bit
16GB PC3-12800 DDR3 1600MHz SDRAM SODIMM Memory
17.3" Full HD Multi-Touch 1080p (1920 x 1080) LED Display with integrated camera
512GB Solid State Drive
Intel Dual Band Wireless-AC 3160
Bluetooth
720p HD Webcam
No Optical Drive
4 Cell 54 Watt Hour Lithium-Ion Battery
Backlit Keyboard


On the notebookreview (NBR) forums, while the specs don't say IPS on the Lenovo site, it appears it actually does have a nice IPS screen. I think you'd be hard pressed to find these same specs for a 17.3" IPS Touchscreen laptop for $1500.
Laptops Deals
eBay Guarantees a $100 Coupon if Your Eligible Mobile Phone Does Not Sell
Added on : Thursday September 11th 2014 11:00:06 AM
g: 0 Posted By: fivetalents
Views: 291 Replies: 4 Your phone will sell on eBay or a $100 coupon is yours. You don't have to beg. eBay is so sure your phone will sell that for a limited time you get a $100 coupon if it doesn't. Select phonesonly.


===========
Terms & Conditions

What is the Promotion?
A list of eligible cell phone familiesis listed at the end of these terms. eBay reserves the right to remove any cell phone model or family from the Promotion at any time in its sole discretion.

Sellers can create a Qualifying Listing in either (a) an auction-style format or (b) an auction-style plus Buy it Now format; In either format, the seller must accept the starting price guidance provided by eBay as the starting price for that listing. The starting price of each Qualifying Listing must not exceed the price guidance throughout the duration of the listing. Seller must not specify a reserve price on their listing. Fixed price format listings are not allowed. No guarantee is made that any item will sell at a particular price, or at all. If the seller creates a Qualifying Listing but his/her cell phone does not sell at all, then that seller will receive a $100 coupon towards his/her next eBay purchase. Coupons will be fulfilled approximately seven (7) to ten (10) business days after the end of the unsold Qualifying Listing, and must be redeemed by the seller within fourteen (14) days of receipt.

Only 5, 7, and 10 day listing durations in an auction-style or auction-style plus Buy It Now format are included in this Promotion (but may be subject to the listing upgrade fee). 1 and 3 day listing durations, as well as any fixed price format listing durations, are excluded from this Promotion. The Promotion does not apply to insertion fees, final value fees or optional upgrade fees. Final value fees will be applied to the total amount of the sale, including the cost of the item, shipping, and any other fees a seller may chargeexcluding any sales tax. Fees for optional listing upgrades (such as Gallery Plus etc.) apply. The item must sell within the initial listing time period. Re-Lists and Private Listings are not eligible for this promotion.

Sellers must follow all on screen directions to create their qualifying cell phone listing (Qualifying Listing) on the US site at www.ebay.comby either clicking the sell link in the Promotion materials, using the eBay mobile web or mobile application, using the Quick Listing Toolsell feature, or using the Advanced Toolsell feature. Note that use of the Sell It For You/ eBay Valet features will not result in a Qualifying Listing. Please also note that the Promotion may not be shown during the listing process.

To be included in the Promotion, a Qualifying Listing must be a bona fide listing that includes: (a) a correct title that accurately reflects the cell phone being sold; (b) an accurate photograph of the cell phone being sold; (c) an accurate description of the condition of the phone; (d) shipping costs that are the lesser of $15 or the average, usual, and/or customary range for similar or identical cell phones. Cell phones that are stolen, activation locked, or otherwise unusable may not be included in the Promotion. Without limiting the foregoing, all elements of the Qualifying Listing must be truthful and accurate, and must not contain any words, messages, images, icons, or statements that have the effect of asking buyers to avoid buying the listed item (i.e., setting a Buy It Now price higher than 2x the eBay Buy It Now pricing guidance) or informing the buyer that the actual item is not as described in the title and photograph. Listings that contain any of the foregoing will be disqualified from the Promotion.

All existing selling limits on your account (as well as category and item limits) still apply, and may prevent you from participating in the Promotion. The Promotion can be applied in addition to the monthly insertion fee promotion,and/or any other insertion fee promotion; however, the Promotion cannot be combined with any other promotions or offers.

Whos eligible?

This Promotion is available to sellers who (i) are registered and in good standing on www.ebay.comand (ii) meet eBays minimum seller performance standards.Please sign in to My eBay and view your Seller Dashboardto verify whether your account is currently meeting the standards. If you have received fewer than 5 detailed seller ratings from buyers, this information will not appear in My eBay; however, you will receive email notification if your account falls below the minimum performance standards.

When is it?

This Promotion will begin on September 1, 2014, at 00:00:01 PT (12:00AM plus one second), and will end on October 24, 2014, at 23:59:59 PT (11:59PM plus 59 seconds) for listings on www.ebay.com(the Promotion Period).

Restrictions & Exclusions.Summary

LIMIT ONE (1) QUALIFYING LISTING PER PERSON AND PER eBay USER ID DURING THE PROMOTION PERIOD. If it is discovered or suspected at eBays sole discretion that a seller has registered or attempted to participate in the Promotion more than once using multiple email addresses, multiple identities, multiple eBay User IDs/accounts, proxy servers or like methods, all of that sellers listings will be declared null and void, and that seller will be ineligible to participate in the Promotion. Also, if it is discovered that any seller attempts to receive additional listings in excess of the stated limitation of one (1) Qualifying Listing per person and per eBay User ID, that seller will, at eBays sole discretion, be disqualified from the Promotion.
All Qualifying Listings must comply with all applicable eBay policies, including eBays Duplicate Listing policythat allows for the removal of duplicate fixed price listings.
Items in For parts or not working/repair condition are not eligible for the Promotion.
Items with cracked screens or prior water damage are also not eligible for the Promotion.
Listings not created through the use of a catalog made available through eBay are ineligible.
The Promotion excludes listings with a start date prior to September 1, 2014 (including those listings revised during the Promotion Period). Additionally, the Promotion excludes listings that are created during the Promotion Period, but scheduled to start after the Promotion Period.
Any attempted form of participation in this Promotion other than as described herein is void.

Cell Phones Deals

eBay Coupons
NJ neighbourhoods / considerations of moving to suburbs
Added on : Thursday September 11th 2014 06:00:18 AM
g: 0 Posted By: newnorley
Views: 80 Replies: 5 Yo FWF'ers can you recommend some NJ suburbs for commuting to Manhattan from. I'm looking to rent a 2 or 3 bedroom place and want to get the most bang for my buck. Posting this here because I find a lot of people on here have a similar attitude to me and I've no idea on NJ or where to start looking and you guys can help me not ripped off. I'm presuming there are a fair few people on here commuting from NJ - NYC.

Don't want to spend more than $2k per month on rent (could spend more but my motivation of moving to suburbs is to save money)
Want to commute by train and spend no more than 45 mins on train
Want to be able to walk to train station 15 min walk ok
Don't care about school zone
Quieter neighboorhood preferred
If possible in my price range I would love to be near an area with a 'downtown' and / or park accessible on foot ( I detest driving in NJ)
Old house OK
Don't care about how cool an area is
I'm not sure if these areas exist but in England I used to live in a fairly middle class / lower middle class area but there was a decent sense of community and people took pride in where they live i.e. didn't shit on their own doorstep / would love something similar
---

What other financial considerations do I need to think of moving to NJ burbs ? When I move to burbs I'm going to sell where I live now and start renting so I will not have the mortgage tax credit when filing in 2016 (current HHI $200k) but I spend $500 a month on condo fees and $8k a year on real estate taxes so I'm thinking they will cancel each other out.

Train will cost a couple of hundred a month i suppose.

Selling my condo I'm going to get stung by broker fees

Thanks
Personal Finance Deals
50% Off Pelikan Fountain Pens
Added on : Thursday September 11th 2014 04:00:06 AM
g: 1 Posted By: maroonviking
Views: 103 Replies: 1 penchalet.com has a few Pelikan fountain pens on discount.

Pelikan 205 fountain penis $97.50
Pelikan 640 Mt Everest limited editionis $272.50
Pelikan 640 Eternal Ice limited editionis $340

Great deal on all 3 pens. They also have quite a few other pens on special as well. I am just partial to the Pelikan brand. I bought the Pelikan 205 from them and love the pen and thought I would share.

Office & School Supplies Deals
UGG Women's Marien Boots (Black, or Stout) - $135.00 w/ FS at 6pm
Added on : Wednesday September 10th 2014 05:00:07 PM
g: 0 Posted By: jskins
Views: 228 Replies: 0 UGG Women's Marien Boots (Black, or Stout)- $135.00 with free shipping at 6pm.

Available in Blackor Stout
Sizes 5-11
B-Med Width
Waterproof Leather Upper
17mm Tipped-Sheepskin Shaft w/ Waterproof Membrane
Plush Insole
Slight Dye Transfer May Occur w/ Darker Colored Sheepskin During First Few Wears
Maximum-Impact Rubber Outsole


These boots are selling elsewhere on Google Shoppingfor $180+.

Shoes Deals

6PM Coupons
Giveaway of the Day - PDF to Word Converter 3.1
Added on : Tuesday September 09th 2014 11:00:06 PM
g: 0 Posted By: softwaredealhunter
Views: 72 Replies: 0 PDF To WORD Converter is a Windows application to convert PDF files To WORD Doc format fast and easily. With the converter, users can convert PDF files to WORD format in few clicks. This program can automatically decrypt restricted PDF files to WORD format.Also, it supports Batch Mode to convert hundreds of PDF documents to MS WORD files at one time.

http://www.giveawayoftheday.com/pdf-to-word-converter-31/
Totally Free Deals
Apple Pay
Added on : Tuesday September 09th 2014 02:01:28 PM
g: 0 Posted By: GodelianKnot
Views: 61 Replies: 3 Interested in people's thoughts on Apple's new payment system:
http://www.apple.com/apple-pay/

Given the Target and Home Depot hacks, I find this part especially interesting:
Apple said: With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch. These numbers are never stored on Apple servers. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual credit or debit card numbers are never shared with merchants or transmitted with payment.
Curious how people think this will work. Apple claims they aren't tracking purchases in any way, so are the unique account numbers being setup directly by the respective banks? Basically, Apple got all these banks to setup a virtual credit card number API for them? Thoughts on if this is really more secure? Does it matter?

This also just seems like a good way to organize credit cards. I tried to use Google Wallet a while back, but never really got it to work well. I'm hoping Apple has the drive to really push this to be universal. Looks like they have most of my banks supported already, with a few more to come. Though I guess missing Discover is a big gap for some here.

In-app purchases is another interesting facet. Especially with something like OpenTable to pay at a restaurant without having to give them your card.
Discussion Deals
Cabela's Seclusion 3D iPad Case on Sale 9/10-9/21/2014 on Sale $ 23.99
Added on : Tuesday September 09th 2014 02:00:02 AM
g: 0 Posted By: Redmaggie
Views: 230 Replies: 0 New Catalog. 9/10/2014 - 9/21//2014

I am starting my Christmas Shopping now. I thought this would be a nice gift for my husband. There is companion Seclusion 3D Wallet Collection,Purchasing a few things to bump up to the $49 sale for free shipping.

Cabela's Adjustable Seclusion 3D iPad Case

Three-position flip stand delivers hands-free viewing
Magnetic on/off cover allows tablet to sleep when closed
Fits iPad 2 and 3
Give your iPad the Cabelas treatment. Fits iPad 2 and 3, and similar-sized tablets. Padded for protection. Three-position flip stand allows you to get the perfect angle for comfortable hands-free viewing. Magnetic on/off cover allows tablet to sleep when closed and wake-up when open. Imported.
Dimensions: 10-1/8L x 7-7/8"W x 3/4D.
Camo pattern: Seclusion 3D.

iPads Deals

Cabela's Coupons
g: 0 Posted By: bittul
Views: 0 Replies: 0 Price dropped on this tablet across most online retailers from $200 to $170 in the past few weeks.

But the best deal is currently @ Sears/Kmart who are offering $20 back in SYW points on this tablet. ($28 back if paying all in Cash)
[If paying all in points, be sure to pay at least $0.01 oop]

Deal is even sweeter if you have a $10 back on $150 Electronics coupon (making it $30 back in points)

There's also a $5 off coupon that can be loaded from the Mobile app (Sears only afaict).

Sears:
White: http://www.sears.com/samsung-galaxy-tab-4-7inch-tablet-with-8gb/...
Black: http://www.sears.com/samsung-galaxy-tab-4-7inch-tablet-with-8gb/...

Kmart:
Black: http://www.kmart.com/samsung-galaxy-tab-4-7inch-tablet-with-8gb/...

~~~~~~~~~~~~~~~~~~
4.4/5* (based on 318) reviews @ Amazon: http://www.amazon.com/Samsung-Galaxy-Tab-7-Inch-Black/dp/B00J8DL...
Free Kindle Book- The Hunter's Hound: Training Your Dog To The Rifle
Added on : Monday September 08th 2014 12:00:06 PM
g: 0 Posted By: remick
Views: 69 Replies: 0 http://www.amazon.com/gp/product/B00JLNQZDS

Let say, before you start to read, that there are far better dog trainers about than me. Yet I have met few shooting men or women that have taken the time to ensure that the hound at their side is trained to perform in their own personal best interest or trained the dog to mirror their own personality. When I broke the rules to put a chasing dog at my side and then teach it not to chase, many folk frowned. Ten years on, many of those same folk look on enviously at the complete symbiosis achieved by a man, an air rifle and a scruffy old lurcher. This book therefore, is not intended as a manual on training an obedience champion. It is a common-sense approach to producing a dog which behaves around a rifle ... any rifle ... and a rifleman or woman who behaves around a disciplined dog. Yes, in many ways, this book is about training the hunter ... not just the hound.
Totally Free Deals
Bloodsucker Blues Vamps Vegas Kindle Book Free
Added on : Monday September 08th 2014 09:00:06 AM
g: 0 Posted By: pohldncr
Views: 91 Replies: 0 http://www.amazon.com/Bloodsucker-Blues-Vamps-Vegas-Story-ebook/...

Bloodsucker Blues: A Vamps in Vegas Story free for the next few days
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 211 Replies: 0 Guns - Grizzly Targets AR500 Reactive Popper Tactical Target $135 + $14.99 Flat shipping (Reg $189)

http://www.gearhog.com/

Deal Overview
Our All Time Best Seller! The AR500 Reactive Popper is a professional tactical Target used by military, law enforcement and shooters throughout the US. There are few people who have experienced the joy of reactive popping targets, and even fewer who have seen a piece of equipment that is constructed this well. From novice to expert, this piece of training equipment changes everything.

After being hit, the AR500 Reactive Popper springs back up to its starting position, giving the shooter an incredible reactive experience. The AR500 steel gives a nice sound when hit as well, so not only do you get movement, but you get noise. The springs we use are the most durable on the market, lasting 10s of thousands of rounds before needing replacement. We are so confident of these springs, that if they do stop working, we will replace it for free. Just call us and we will ship one immediately.

The base and brackets of the AR500 Reactive Popper are hot dipped galvanized, so that they will never rust, able to last 100 years. Handmade in America by hardworking American metal workers, all of our products are built to last. When you purchase from Grizzly Targets, you are helping manufacturing in the USA.

People in search of affordable AR500 steel targets for sale realize that Grizzly Targets offers the best in heavy duty, tactical and reactive Ar500 steel targets. But did you know about our Build Your Own Range Program? We have created an incredible lineup of affordable, modular and portable AR500 steel targets, that will last you a lifetime.

Interested in offering this product at your range or store? Contact us HERE

Standard version comes with 14"x4" x 3/8" Target faceplate, hot dipped galvanized base, professional stainless steel spring, and grade 8 bolts.

Weighs 21 lbs.


Sports & Outdoors Deals
g: 0 Posted By: tedhawkins
Views: 185 Replies: 0 Hudson Fruit Infuser Tritan Water Bottle - 24 Ounce, Wide Mouth & BPA-Free $9.99 w/code FS Prime Hudson Via Amazon

http://www.amazon.com/Hudson-Fruit-Infuser-Tritan-Bottle/dp/B00M...

Apply $10 OFF code BK2SAL14

Create your own infused water everyday to help you stay hydrated. Easily make Great tasting beverages with No Sugar or Additives with fresh fruits. Just add the fruits of your choice to the infuser, secure it in the bottle, shake up and enjoy your freshly made flavored water. For more intense flavor, let the fruits infuse for a few hours. Environmentally friendly Tritan BPA free material. Reusable-No need to buy plastic one time use water bottles daily.

100% Satisfaction Guaranteed! We believe in our products, we use our Hudson Infuser Bottles daily. We know you'll love them too, we Guarantee it! If you aren't 100% Satisfied with the Hudson Infusion Water Bottle, return it within 60 days, no questions asked!

What's in the Box
1 X Water Bottle

1 X Infuser

1 X Infuser Cap

1 X Bottle Cap



Home & Garden Deals

Amazon Coupons
Monoprice 10% off sitewite Today Only 9/8/2014
Added on : Monday September 08th 2014 08:00:07 AM
g: 0 Posted By: tinman951
Views: 207 Replies: 0 Monoprice.comis offering an additional 10% off Sitewide when you apply coupon code 10SLICKDEALS at checkout.
I confirmed on chat with Monoprice sales at 12pm MDT and it was valid. "that coupon code is still active until the end of the day today. It is for 10% off your entire order up to $500. "
There are a few exclusions. Limit one coupon per customer. Offer excludes the following brands: Yamaha, Xbox, PlayStation, Tamron, ORIGIN and 3D printer.
Remember the Monoprice Cash Back of 2%. (If anyone wants to tell me how to add that link I would appreciate it)
Electronics Deals

Monoprice Coupons
Legal Advice required on a Beauty pageant contest result !!!
Added on : Sunday September 07th 2014 08:00:16 AM
g: -3 Posted By: superdeltap3
Views: 74 Replies: 3 Hi Friends,

My Apologies if this is the wrong forum, a little advice would be greatly appreciated. My daughter has recently participated in a Mrs Bollywood pageant contest (Indian Beauty contest for Married women). The contest theme was good however I was amazed by Favoritism shown by Judges and Organizers.

Few historical points :
1) Main Judges were: Event sponsors and 2 celebrities (un-Biased), 12 contestants and 5 Judges overall.
2) Only 3 Judges (Makeup, Costume and Jewelry sponsors) gave rating for selecting top 5 and celebrity Judges were not present to rate of Top 5 candidates.
3) It was optional to buy Makeup and Costumes from sponsors, contestant have to get (buy) their own Makeup and Jewelries.
4) Two of the contestants were from Sponsors family.
5) 5 suplimentary awards were given away.

Results were as follows:
1) Contestants who did not gave any business to Sponsors (Makeup for $150 and costumes for $450), did not make it to top 5.
2) Both contestant from Sponsors family, made it to top 5.
3) Beauty Salon gave a complimentary gift of $500(Best Skin) to one of the contestant, I came to know latter that she was a regular customer and a good friend of Salon Owner and it was done to promote Beauty Salon's business.
4) Both contestant from Sponsors family, received complimentary awards as well.

I am contemplating of putting a legal case against Event Judges (Sponsors) and Organizers to stop this culture of Favoritism and save innocent womens from all this suffering. I need some guidance on
1) How can I proceed with this? To keep the cost minimum.
2) What all proof do I have to collect?
3) What points do I have to prove?
Question Deals
Hitman GO for iPhone, iPad, iPod touch
Added on : Sunday September 07th 2014 02:00:04 AM
g: 0 Posted By: softwaredealhunter
Views: 55 Replies: 0 Hitman GO is an immensely clever puzzle game that gets better and better the more you play. As Agent 47, you must sneak through each board and take out your Target in as few moves as possible, avoiding roving guards along the way. The stealth puzzles are all turn-based, letting you plan your moves in advance and forcing you to flex your brain to succeed. The entire experience is gorgeously rendered with stylized diorama pieces.

http://www.ign.com/prime/promo/hitman-go-free
Free Apps Deals
Survival - Mountain House Essential Assortment Bucket $52.49 Fs @ Amazon
Added on : Saturday September 06th 2014 11:00:04 PM
g: 0 Posted By: tedhawkins
Views: 187 Replies: 0 Survival - Mountain House Essential Assortment $52.79 Fs @ Amazon

http://www.amazon.com/Mountain-House-Buckets-Essential-Assortmen...

Rated 4.6 out of 5 stars on Amazon


Assortment contains 12 pouches per bucket - 32 servings
4- Rice and Chicken, 4- Chili Mac, 4 Spaghetti
Just mix contents with boiling water in the pouch provided, let stand for a few minutes, and then serve; resealable foil pouch helps retain warmth
Made in the USA
Shelf life is 10 years from the manufacturing date listed on the back of each pouch
Food Deals

Amazon Coupons
Pension Cashout? Transfer to IRA? or Let it ride?
Added on : Saturday September 06th 2014 12:00:06 PM
g: 0 Posted By: pensioncashout
Views: 2 Replies: 0 Hi forum,

Thanks in advance for your thoughts. I worked for a company for 5 years and qualify for a pension. The amount of my cash out offer is not a huge amount ($16K), but given that I'm only 35, I know I'll subjected to a 10% early penalty fee plus taxes unless I roll-it-over to an IRA or let it ride to retirement age. If I wait until full retirement age, my monthly payment will be about $460 and it includes a 100% joint survivor clause. At today's dollars, assuming inflation of 2.5%, that cuts the monthly payment by ~50%, which isn't a whole lot.

A few additional details:

401K - $320K in mine $100K in my wife's (she's 31)
Liquidity - $185K
Equity in home currently being built - $250K
No credit card debt
No other debts except for some school loans my wife has ($30K) at very low interest rates


I'm in a situation that I don't need the money now, but as we're building a home, I'm tempted to rollover the pension lump sum to an IRA and decrease my 401K contributions to the minimum required to maximize my company's match in order to "recover" the full lump sum amount. Once the construction of the home is completed (6 to 8 months), we're going to refinance the home to a permanent loan. I'll likely keep about $100K in liquidity for emergencies (I'm conservative) and that will leave ~$85K liquidity to use + savings growth from lower 401K contributions + organic savings until then to further reduce the amount we need to borrow. Assuming today's interest rates don't change much, the lump sump would essentially get me a guaranteed effective 4%+ growth since I'd be using it to reduce my home loan amount. Am I looking at this right? What would you do in my situation? Pension Cashout? Transfer to IRA? or Let it ride? Any thoughts are greatly appreciated! Thanks!

New User Question Deals
Suggestions for Tax Advantaged Investment Accounts
Added on : Saturday September 06th 2014 12:00:06 PM
g: 0 Posted By: PedestrianCrab
Views: 39 Replies: 1 Long time lurker, first time poster here.

My annual income is roughly $50k, 25 years old. I have maxed out my Roth IRA for the last five years since I learned about the magic of compounding interest. Nothing fancy, just a basic boglehead portfolio. I also have a personal brokerage account valued at ~$45k. I have an adequate liquid emergency fund set aside as well as access to cheap credit if needed. No other debts currently.

I have ~$35k that I would like to get into the market, but I am trying to think of a smarter way of going about this rather than just sticking it into my taxable brokerage account. My first thought was to see if my employer (State of Texas) allowed me to contribute outside money to their 401k program.. sadly, they do not. I've been researching for a while and have come across a few interesting ideas for folks with much higher incomes, but nothing that seems applicable to me. How can I be savvy about the type of account I use to invest this money in order to see some sort of tax benefit? Is it enough to even worry with?

Thanks!

tl;dr: 25 y/o, $50k income, no debts to pay down, Roth IRA maxed, 401k not looking like an option, how to invest $35k in a "tax smart" manner?
New User Question Deals
Ashampoo File Wiper Giveaway
Added on : Saturday September 06th 2014 12:00:05 PM
g: 0 Posted By: softwaredealhunter
Views: 36 Replies: 0 Ashampoo File Wiper is a comprehensive disk wiper that enables you to erase files permanently from hard disks or portable devices so that no data recovery program can ever recover a single byte of data. It can be used both as File Wiper and Drive Wiper. Once you wipe files or drives using Ashampoo File Wiper, recovery of deleted files is almost impossible.Ashampoo File Wiper supports four improved data deletion methods suitable for different types of storage devices like SSD, HDD, USB Sticks etc. It may take a few minutes to several hours to destroy data,depending on size and wipe methods.

http://www.ashampoo.com/frontend/registration/php/trial_step1.ph...
Totally Free Deals
TigerDirect Weekend Coupon - $10 off $50 Stackable Email Coupon
Added on : Saturday September 06th 2014 09:00:05 AM
g: 0 Posted By: ctgolfer
Views: 270 Replies: 2 click this link: www.tigerdirect.ca/sectors/campaigns/include/events/2014/TD_Disc...

Enter email address and click "Activate"
Wait a few minutes and check email
Activate Discount by clicking on $10 off $50 link in email
Add items to cart
Electronics Deals

Tiger Direct Coupons
g: 0 Posted By: st4rdust
Views: 212 Replies: 0 WalMart has theMountain House "Just in Case" Classic Bucketon sale for$54.70with free shipping.

4.8/5 stars based on 16 customer reviews.

Same price at Amazon,where this has 4.6/5 stars based on 446 customer reviews.


12 pouches (29 meals)per bucket
2 - Beef Stroganoff, 2- Chicken Teriyaki, 2- Beef Stew, 2- Lasagna w/ meat, 2- Noodles and Chicken, 2- Granola w/Blueberries
Mix contents with boiling water in the pouch provided, let stand for a few minutes, and then serve
Resealable foil pouch helps retain warmth
Made in the USA
Shelf life is 10 years from the manufacturing date listed on the back of each pouch


Sports & Outdoors Deals

Walmart Coupons
Rental lease terms advice_Massachusetts
Added on : Friday September 05th 2014 10:00:09 AM
g: 0 Posted By: spinkan
Views: 97 Replies: 4 I have a few questions regarding my lease agreement and what my options are in that regard. Here's the story: I recently moved into a new apartment in Massachusetts (about a month ago). Per the conditions of the lease, all utilities are included (i.e., heat, hot water, gas for cooking, and electric) for $900/mo. However, I received a phone call from the realtor this afternoon stating that there was "human error" when the lease was written and, in fact, my building does not include electric in the rent. There are four total buildings in the complex and, according to the realtor, my building and the adjacent building have a meter and thus, require the tenants to pay electric separately. In the lease under "Heat and Other Utilities," it specifically states (with two asterisks), "**Heat, Hot Water, Gas for cooking, & Electric is included in rent." Aside from this column, it notes, "Tenant: This section governs utility payments. Be sure to discuss with the Lessor those payments which will be required of you for this payment." Attached to the lease in an "Addendum to Lease Agreement" which also states, "Utilities and Services. Tenant shall be responsible for phone, & cable. Landlord will provide the following: Heat, gas stove cooking, electric, hot water, sewer, and refuse." The lease as well as the addendum are signed by both myself and the lessor. When I inquired about how "human error" is something I should be penalized for, she responded by saying that I could move out of the apartment if I was unhappy with having to pay electric and that she could help in my search to relocate. Clearly, I am not looking to move (it's a hassle, not to mention costly, and I've finally settled in). But that's besides the fact. I signed the lease with the impression that all of my utilities would be included which is a large part of why the unit was so appealing to me, considering I am a graduate student and need to save where I can.

Nonetheless, what are you thoughts? Any advice about how I should go forward with this? What are my options?

I appreciate all the help I can get. Thank you!!
Personal Finance Deals
Local newspaper article can help save on a college education.
Added on : Friday September 05th 2014 07:00:12 AM
g: 0 Posted By: scatti
Views: 20 Replies: 0 To reduce the cost of a college education, know the right questions to ask.

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

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

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

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

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

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

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

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

Emory Guffrovich earned his BS and MA after completing a tour of duty in Vietnam. Having spent 35-plus years in the college admissions field, he recently retired as the director of enrollment management at Penn State Lehigh Valley
General Economics Deals
Free QoR Watercolor Samples
Added on : Thursday September 04th 2014 01:00:06 PM
g: 1 Posted By: remick
Views: 123 Replies: 1 http://help.goldenpaints.com/ci/documents/detail/2/qor_form

Each QoR sample features six dry samples of color on a laminated card with a piece of artist quality watercolor paper where you can experience these brilliant colors with your brush and a few drops of water. We offer three different color selections:

Introductory Colors Card
Featuring: Indian Yellow, Cerulean Blue Chromium, Permanent Alizarin Crimson, Pyrrole Red Light, Ultramarine Blue

Earth Colors Card
Featuring: Naples Yellow, Transparent Brown Oxide, Ardoise Gray, Indigo, Sap Green, Venetian Red

High Chroma Colors Card
Featuring: Cobalt Teal, Green Gold, Dioxazine Purple, Quinacridone Magenta, Quinacridone Gold, Transparent Pyrrole Orange
Free Samples Deals
NFL Horizontal Text T-Shirts - $14.99 w/ FS AC at Fanatics
Added on : Thursday September 04th 2014 11:00:04 AM
g: 0 Posted By: jskins
Views: 226 Replies: 0 NFL Horizontal Text T-Shirts - $14.99 + free shipping using coupon code NEWFS at Fanatics. (A few t-shirts are selling for less than $13.99)

Officially Licensed Shirts
Some Teams Have Limited Sizes Available
Screen Print Graphics


Couple Notables:

Chicago Bears Horizontal Text T-Shirt (Navy Blue, Sizes S, M, L) - $14.99
Buffalo Bills Horizontal Text T-Shirt (Red, Sizes S, M, L - $14.99

Also at Fanatics:
Over 20% Off NFL Sale (Fleece, T-Shirts, Hoodies, and more)

Clothing Deals
Renters insurance Claim woes. Advice appreciated!
Added on : Thursday September 04th 2014 07:00:15 AM
g: 0 Posted By: mp3ster
Views: 129 Replies: 4 So ill make this story as short as possible. My girlfriend and I live in a Condo that we rent. We have had renters insurance with the same company for the last 5 years, and had not made a claim until this one, and we are not happy.

What happened :
-Our cable line got hit by lightning, this fried all of our cable boxes, and modem. This also fried all of the HDMI ports on the TV's and projectors that the cable boxes were attached to. It also fried my router.

Resolution:
-WOW! (our cable provider) replaced all of the cable boxes and the modem 3 days after the lightning strike. At that time it was determined (by the tech that came to our house) that all of the HDMI ports for the devices that their boxes were connected to got fried. He hooked every box up via component cables instead. And that the router is no longer functional.

Insurance Claim:
-Assurant is our insurance company. The adjuster that was assigned to our claim contacted me a few days after i opened the claim over the phone.
The Adjuster said that we had to itemize all of the items damaged, and had to get a "certified electronic repair person" to verify damages and provide an estimate for the repairs. That repair person would have to provide a replacement / repair cost to the insurance company.
I contacted WOW! and had one of their service tech's call Assurant to verify the damages. This did not satisfy the insurance company's request.

Here is my irritation:
This is all done on my dime and my time. I have to take the TV's and hardware that was damaged to the electronic store. I have to pay the $35 per device for him to diagnose the issue. And i have a $500 deductible. So if they are able to fix it, its all coming out of my pocket (assuming HDMI boards are under $500)
I complained to the insurance company that this is the adjuster job, that we pay for insurance to be covered, not to have to fight. If a tree fell on my car, would my insurance company make me drive to a Body Shop and make an estimate? No.

Needless to say, this is the only claim that i will have with this insurance company. As soon as this claim is resolved, i will be switching company's'.

If you guys could provide me some feedback on how to handle this with my insurance company, or if you had a similar, or way different experience, chime in!

List of damaged electronics :

55" 1080p Panasonic smart TV
32" 1080p LCD TV
Optoma 1080p Projector
Onkyo reciever
Asus Router
Xbox 360
Chromecast

Discussion Deals
Spouse NRE - do we need to file FBAR
Added on : Thursday September 04th 2014 07:00:14 AM
g: 0 Posted By: shiva0910
Views: 55 Replies: 0 Hi ,

I am working in US and my wife currently on H4 and not working . Planning to open a NRE Account for her and do some fixed deposit which exceeds $10K . I have few queries can you please shed some light?

1 . Planning to transfer money from my US bank account into NRE account of my wife . Do I need to declare my wifes NRE account in FBAR?
2 . Currently I am filing taxes by mentioning my wife as Dependent , Do I need to show the interest earned on my wifes NRE Account while filing taxes ?

Thanks
Siva
Personal Finance Deals
Williams Sonoma Free Technique Classes September Schedule
Added on : Thursday September 04th 2014 02:00:04 AM
g: 0 Posted By: CindyLouWho2
Views: 108 Replies: 0 ~~Williams Sonoma - Free Technique Classes - September
We're pleased to offer free Technique Classes at your local Williams-Sonoma store. Class sizes are limited. For specific times and more details, find your local store
> Hour-long technique classes are free and include tastings of prepared dishes.
Participants enjoy 10% savings* on select same-day store purchases.
Available at all stores; class times vary by store location.
Class size is limited call your local store to register.
FRESH PASTA - Sept. 7 SundayTransform a few simple ingredients into a classic, comforting meal. We have the tips, techniques and tools you need to make pasta paired with an authentic sauce.********************************************************************
FALL FLAVORS IN YOUR VITAMIX SEPT. 14 Sunday
Just because the weather is getting cooler, doesnt mean its time to put away the Vitamix. Learn how to make delicious hot soups and other great fall recipes in your Vitamix. This months class will feature recipes and tips from Vitamix expert and author of The Blender Girl, Tess Masters!**********************************************************************
UNDERSTANDING COFFEE AND EXPRESSO SEPT. 21 SundayCooler weather calls for warming drinks, and our favorites tend to start with coffee and espresso. Join us to gain a deeper understanding of the differences between coffee and espresso and how varying coffee roasts and grinds affect the finished drink. After this class youll be prepared to be a barista in your own home!*********************************************************************
KNIFE SKILLS SEPT. 28 Sunday.
As summer draws to a close, its time to pull out our knives and get organized. Lets hone your knife skills so you are ready for back-to-school packed lunches and autumn dinners. Well also offer complimentary knife-sharpening service in class (one knife per customer, please).******************************************************************
http://www.williams-sonoma.com/pages/store-events/store-events/t...
Totally Free Deals
Williams Sonoma Free Junior Chef Classes - Sept. Schedule
Added on : Thursday September 04th 2014 02:00:04 AM
g: 0 Posted By: CindyLouWho2
Views: 93 Replies: 0 ~~Williams Sonoma Free Junior Chef Classes Sept.
Hey, kids! We can show you how fun and easy cooking can be: Learn to make delicious recipes,
from main courses to desserts and snacks, with plenty of tasting along the way.For specific times and more details, find your local store>
Available at all stores; class times vary by store location.
Class size is limited call your local store to register.
FRESH PASTA - Sept. 6
Transform a few simple ingredients into a classic, comforting meal. We have the tips, techniques and tools you need to make pasta paired with an authentic sauce. Suitable for ages 9-13.******************************************************************SHARE OUR STRENGTH COOKIE DECORATING Sept. 13 This one $5 for charityShare Our Strength is a national nonprofit organization fighting every day to end childhood hunger in America. Join us for this special cookie-decorating event. ($5 donation) - all proceeds will benefit Share Our Strength! All ages are welcome to help us support this great cause**********************************************************************THE BEST OF BREAKFAST Sept. 20
Everyone knows the most important meal of the day is breakfast. This class will teach you how to make some great grab-and-go breakfasts the whole family will love. Suitable for ages 913.********************************************************************OODLES OF NOODLES Sept. 27
Want to help prepare dinner? Join us and learn how to make delicious noodle dishes the whole family will love. Well create long curly vegetable noodles by spiralizing as well as make a baked noodle dish sure to satisfy. Suitable for ages 913.**********************************************************************http://www.williams-sonoma.com/pages/store-events/store-events/j...
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 159 Replies: 0 shipping adds $5

Specifications: Display: 8.9" 10 point capacitive touch high definition color display; 1920x1200 resolution at 254 ppi, video playback up to 1080p, with IPS (in-plane switching) technology, advanced polarizing filter, and anti-glare technology Storage: Your Choice:

32GB (27.1GB available to user) of internal storage

or

64GB (55.7GB available to user) of internal storage

Battery Life: Over 10 hours of reading, surfing the web on Wi-Fi, watching video, or listening to music. Battery life will vary based on device settings, usage, and other factors such as web browsing and downloading content. Actual results may vary Charge Time: Fully charges in under 5 hours via the Kindle PowerFast charging accessory, or slightly longer with other micro-USB power adapters that you may already have. Charges in under 14 hours from your computer via the included USB charging cable (AC Adapter sold separately) Wi-Fi Connectivity: Dual-band, dual-antenna Wi-Fi (mimo) for faster streaming and fewer dropped connections than standard Wi-Fi. Supports public and private Wi-Fi networks or hotspots that use the 802.11a, 802.11b, 802.11g, or 802.11n standard with support for WEP, WPA and WPA2 security using password authentication; does not support connecting to ad-hoc (or peer-to-peer) Wi-Fi networks 4G Connectivity: 4G LTE 10 band wireless modem with HSPA+, HSDPA, and EDGE/GPRS fallback
*An AT&T data plan is required to connect to 4G. If you're not currently an AT&T customer, you'll need to create a new AT&T account on your device to use the wireless service. Ports: USB 2.0 (micro-B connector) port for connection to a PC or Macintosh computer or to connect to the Kindle PowerFast charging accessory.
Micro-HDMI (micro-D connector) port for high definition video output to televisions or A/V receivers Audio: 3.5 mm stereo jack and integrated stereo speakers with exclusive Dolby audio engine Content Formats Supported: Kindle (AZW), KF8, TXT, PDF, unprotected MOBI, PRC natively, Audible Enhanced format (AAX), DOC, DOCX, JPEG, GIF, PNG, BMP, Dolby Digital (AC-3), Dolby Digital Plus (E-AC-3), non-DRM AAC, MP3, MIDI, PCM/WAVE, OGG, WAV, MP4, AAC LC/LTP, HE-AACv1, HE-AACv2, AMR-NB, AMR-WB, HTML5, CSS3, MP4, 3GP, VP8(.webm) Sensors: Ambient light sensor, accelerometer, gyroscope, digital compass Location Services: Location-based services via Wi-Fi and assisted-GPS Additional Features: External volume controls, front-facing HD camera, built-in microphone, built-in Bluetooth with support for A2DP compatible stereo headphones, headsets, and speakers Accessibility Features: Voice Guide, Explore by Touch, Text-to-Speech, adjustable font sizes and color, built-in dictionary.Learn more System Requirements: Kindle Fire HD 8.9" 4G is ready to use right out of the box - no setup, no software to install, no computer required to download content Dimensions: 9.4"(H) x 6.4"(W) x 0.35"(D) Weight: 20 oz
In the box:

Kindle Fire HD 8.9" 4G LTE Tablet - (Your Choice)
USB 2.0 Cable
Quick Start Guide



www.woot.com/offers/kindle-fire-hd-8-9-4g-lte-tablet-1
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woot! Coupons
g: 0 Posted By: vvasireddy
Views: 73 Replies: 1 I am currently an NRI working in USA. I got enrolled in to an LIC policy called Jeevan Tarang during my last trip to India. I love this policy as it provides security to my family, bonus at maturity and also helps during my retirement through survival benefits which pays yearly 5.5% of the sum insured after maturity.

I am now planning to become a permanent resident here in USA, may be a citizen of US in the future. Considering I am a permanent resident/Citizen of USA at the time of LIC policy maturity, would I still be able to get thebonus atmaturity? Would I be eligible to enjoy the yearly survival benefits of this policy?

I asked the same questions to the LIC representative over phone few days back and she said "Yes" for both my questions. I am still concerned if LIC would give me hard time in terms of any documentation or any other things I may not be aware of or any change in rules/terms that may stop me from getting benefited from the LIC maturity and survival benefits.

I hate to surrender the policy now as I would lose the two premiums I paid so far, at the same time I don't want to pay future premiums if I see any possibility of not being able to get the benefits in the future.

I see some uncertainty in my case and like to know from this forum if any of you went through/seen similar scenarios. Any advice is appreciated.

Thanks
VJ
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 135 Replies: 0 Save $80via mail-in rebate with the purchase of 21-inch iMac Part# 9425078. Offer good through Sep 30 2014 11:59PM PST.
Apple MD094LL/A 21.5 iMac Quad-Core Intel Core i5 2.9GHz, 8GB RAM, 1TB Hard Drive, NVIDIA GeForce GT 650M graphics processor with 512MB of GDDR5 memory, Two Thunderbolt ports, Apple Wireless Keyboard and Magic Mouse, Mac OS X Mountain Lion (2x4GB DDR3 SDRAM)

Few all-in-one desktops are as reliable as Apple's popular iMac. Now in a unibody enclosure that takes up 40 percent less volume than its predecessor, the iMac is equipped with top-of-the-line hardware and the latest Apple OS to ensure a consistently efficient performance.

Powering the iMac's speed is a quad-core Intel Core i5 processor, with Turbo boost speeds of up to 3.6GHz to handle even the most performance-intensive tasks. The iMac's eight-GB memory lets you simultaneously use more applications, making multitasking easier and boosting productivity. Mac OS X Mountain Lion also provides a more intuitive user experience through its suite of new apps, including Notification Center and Messages.

Graphics-wise, the iMac counts on an NVIDIA GeForce GT650M GPU with 512MB of dedicated video memory. You'll see the improvements in the iMac's graphics performance when you're editing HD videos or playing 3D games. The iMac's display now also features IPS switching technology and an LCD panel that sits right up against the cover glass; this way, images are much more realistic and can be viewed from nearly any angle. The cover glass is also designed to produce significantly less glare, making using the iMac even more enjoyable.

The 21.5 iMac offers an enormous amount of storage space through its 1TB hard drive. With this much space in its HD, this Mac desktop can accommodate large file libraries and more frequent backups. If you want more storage space or if you want to use peripherals for your iMac, the iMac is also equipped with a handful of Thunderbolt and USB ports, including an SDXC card slot

www.macmall.com/p/Apple-iMac/product~dpno~9425078~pdp.iaebhaj
Apple Deals

MacMall Coupons
Student Accident Insurance
Added on : Tuesday September 02nd 2014 03:00:06 PM
g: 0 Posted By: invisible
Views: 13 Replies: 0 "Student Accident Insurance" : Is that deemed a poor choice by most? An unneeded insurance?
Thought I will check here before tossing what schools seem to be mildly but exclusively pushing

Some questions to FWF members experienced in this regard:

Is the Student Accident Insurance worth buying in specific scenarios?
How about when parents/family is insured through employer under a very high deductible plan and having HSA?
Any comparative sites or recommendations on which company/product to buy in this regard?

Just to give some idea this one company (www.sas-mn.com) that has the schools send out their forms with prices such as $89 for whole year 24x7 (various amounts for various medical services) or $14 for school time. Thinking of using that $89 full time coverage as an additional insurance due to high deductible health insurance and an otherwise very healthy family, so precisely for accidents where this may save some OOP costs after primary insurance would have us cough up high deductibles.

Note: It seems like some insurers of this product ask for the State one lives in, and on choosing show specific (v.few) schools they cover. That was a surprise as I expected any insurance company operating in the state to cover any schools within.

Free Self Magazine Subscription - All-Freemagzines
Added on : Tuesday September 02nd 2014 09:00:08 AM
g: 0 Posted By: Redmaggie
Views: 135 Replies: 0 http://www.all-freemagazines.com/subscribe/Self-Magazine-Feature...

12 Issues | $20 Reward Points I got the $20 Rewards Points with one small survey.

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Totally Free Deals
What preparations in case of job loss?
Added on : Tuesday September 02nd 2014 04:00:09 AM
g: 0 Posted By: RhizzleBop
Views: 118 Replies: 8 There is a lot of change going on at my company. Our department is being reorganized and I feel a couple people may be on the outside of that plan looking in. In case I'm one of those, I'm wondering what's the best approach to ensure my wellbeing as best as possible?

My wife works but hers doesnt quite cover all the bills.
Im a mechanical engineer with 11 years experience in hvac consulting, and extreme environment sealing systems such as oil and gas, semicon, industrial, etc. to be clear, I don't work in those industries, but we make sealing systems for those industries and sell to them.

We live as far south EAST as you can just about without going into Florida. My city is not a big industrial/ manufacturing city by any means. I prefer not to move because my wife has a great job she loves and we don't really want to move.

I would take a job elsewhere if it meant driving 4-6 hours and staying all week for as long as I needed to to keep the lights on.

We do have some savings. With her bringing in income we could survive a year without totally draining our savings, though it would eat up most of it.

If the worst happens, I'll be applying for anything and everything including waiting tables, or grocery store or pest treatment guy, anything. However realistically I dunno if any of those places would hire me as I'm way over qualified.

I'm already looking and updated my rsum just in case.
Mom interested in joining another industry such as finance( such as being a financial advisor or similar in banking). I'm very good with numbers and data and have an interest in that anyway. I'm also interested I marketing but that's even a further stretch from engineering.

I'm probably more prepared that 80% of people but it scares me and I want to do everything right and take the best steps forward to ensure our wellbeing.

Im thinking if the worst happens to go immediately and register to take a realestate class and get my liscense. I have a friend who can probably get me on somewhere and since I won't need a check immediately, could give me a little time to make a sale and might net more income than grocery clerk.

Anything else I should be doing in preparation?

Any hot spots for jobs I should consider for a "working remotely for a few months to a year" situation? North Dakota fracking comes to mind but id rather be able to return home on weekends.
Personal Finance Deals
g: 0 Posted By: Revenant
Views: 109 Replies: 0 Charvel Desolation Double Cutaway 2 Electric Guitar (Trans Black)- $199.99 with free shipping at Musicians Friend/Stupid Deal

Was $399.99, now $200.00 off at $199.99 today only.
LINK to product for more information.

Looks like a few stores have the Charvel for $349.99 today via Google Shopping.
Review from ultimate-guitar
Music Deals

Musician's Friend Coupons
75% off SELECT cordless shavers @ Kmart B&M, YMMV
Added on : Monday September 01st 2014 09:00:04 AM
g: 0 Posted By: disenchanted
Views: 192 Replies: 0 Found in B&M store located in zipcode 88001

YMMV.

There were some cordless shavers on clearance for 50% off, but shelves for those were empty.
So I grabbed one of each model (about 6 shavers), threw them in my cart and was heading toward a price scanner.

One aisle away from the price scanner I spotted a few different models of cordless shavers, up on very top of the shampoo aisle, so I grabbed one of each of those (about 4 shavers). Apparently this particular "top shelf" area was the "Inventory Overflow" section for the Toiletries dept.

At the price scanner, none of the shavers from the shaver aisle were the clearance shavers I was after.
The 75% off jackpot was from those cordless shavers that were on the top shelf of the shampoo aisle.
One was a norelco triple header for $18 (regular $74), then there was a Panasonic for $25 (regular $99.99) and finally a Wahl cordless beard trimmer/shaver for $18,

The norelco triple header model PT729 for just $18.00 (No price tag on it at all, but online MSRP search shows MSRP as $74.00).1. Norelco PT729 (scanned @ $18)
Specifications:

Powertouch Cordless Razor
Floating Heads
Super Lift & Cut Technology
Corded / Cordless Operation
Washable
Full Charge Time 8 Hours

2. Panasonic NANOTECH model ES8103s (scanned @ $25)
Specifications:

Wet/Dry Shaver with Nanotech Blades,
Pivoting Head,
Fast 13,000 RPM
Linear Motor cuts clean,
Sharp 30-degree blade angle,
Turbo Cleaning Mode

3. Wahl cordless trimmer/shaver
Specifications:Sorry but I forgot to get the model and details on this one.
It was originally $69.99, tagged as $34.99 but scanned at $18.
It looked like the Wahl 9818, as it was an all chrome model but I'll have to check for sure next time I get to Kmart.
Beauty Deals

Kmart.com Coupons
Rite Aid 9/14 - 9/20
Added on : Sunday August 31st 2014 06:00:05 PM
g: 0 Posted By: MrVietnam
Views: 4 Replies: 0 Huggies diapers will be cheap if you have access to a lot of VV. Even without it, the $10 RAQ wyb 5 is still going on. So, if you roll it a few times, should be less than $3 a pack. The $10 RAQ wyb 5 runs through 9/28 (I think).

9.49 x 5 = $47.45
Use 1 $1 VV
Use 5 $2 ip
= $36.45, get $16 ups
Net $20.45/5 packs or $4.09 each

2nd Card
$47.45
Use $10 RAQ
Use (1) $1 VV
Use (5) $2 MQ
= $26.45, get $16
Net: $10.45/5 packs or $2.09 each

(2 cards) 10 packs: $3.09 each
(3 cards) 15 packs: $2.76 each
(4 cards) 20 packs: $2.59 each

Plus, you will still have a $10 RAQ. Even cheaper if you have more VV and if a better MQ/ip pops up.
Diapers Deals
costco 65" Slumber Cat Tower 29.97 YMMV
Added on : Sunday August 31st 2014 10:00:04 AM
g: 0 Posted By: bearsloft
Views: 328 Replies: 0 A few weeks ago I purchased a Beatrise "65 Slumber Cat Tower for $49.97 at my local Costco. I believe this item was originally priced at 79.99 or 89.99 so I purchased feeling proud to have saved that much money. Today I spotted the same product now priced at $29.97. After a little of bit of drama I did get the price difference refunded to me, but thought I'd share with my fellow cat owners who are burdened with excess space in their house

The item itself is well made. It's heavy and very sturdy, covered completely in a shag carpet. Mine has a light tan, but they all seemed to have different shades of tan or brown. Both my local stores just outside of Cincinnati, OH have lots of these in stock. I marked this post YMMV as I have no idea if these are offered nation wide. The website no longer has info on these. The costco item number is 815603.

My younger cat loves it. We got it to encourage her to STOP sitting directly in front of our plasma screen TV.

Bear
Pets Deals
g: 0 Posted By: ctgolfer
Views: 212 Replies: 0 Target.com has a few Swiffer Cleaning Products on sale with Free Store Pickup when you follow the directions below.
Under 'Special Offers' Click Apply Coupon to save $3
Add 1 of the following to your cart (or Click find in a store)
12-Ct Swiffer Sweeper Wet Mopping Pad Refills (Open Window Fresh Scent) $1.26
www.target.com/p/swiffer-sweeper-wet-mopping-pad-refills-open-wi...

16-Ct Swiffer Sweeper Dry Pad Refills $1.49
www.target.com/p/swiffer-sweeper-dry-pad-refills-16-ct/-/A-13051...

42.2oz Swiffer WetJet Multi-Purpose Cleaner Refill (Open Window Fresh Scent) $2.29
www.target.com/p/swiffer-wetjet-multi-purpose-cleaner-refill-ope...

42.2oz Swiffer WetJet Wood Floor Cleaner Refill (Blossom Breeze) $2.29
www.target.com/p/swiffer-wetjet-wood-floor-cleaner-refill-blosso...

Proceed to Checkout (Discount applied during Checkout) with free store pickup
Appliance Deals
g: 0 Posted By: ctgolfer
Views: 31 Replies: 0 FREE SHIPPING, Plus Up To 5% Back For Rewards Members

Set of two trash cans - 11 gallon and 3 gallon
Motion activation is engaged by waiving a hand above the lid
Lid automatically closes after a few seconds of inactivity
Touchfree operation enables you to avoid germs and bacteria
4 AA batteries per trash can are required (not included)

www.staples.com/ModernHome-Motion-Activated-Stainless-Steel-Tras...
Home & Garden Deals

Staples Coupons
NY Times: 7 Steps To Cheap Hotels
Added on : Saturday August 30th 2014 03:00:09 PM
g: 0 Posted By: LArugby
Views: 92 Replies: 1 The NY Times has an excellent travel section (certainly better than the nonsense we deal with at the LA Times). One of my favorite travel writers is Seth Kugel (probably because I wish I had his life of writing for the NY Times, covering events such as the "Pastry Festival" in Nice or the latest Hefewiezen tastings in Munich). He's known as the "Frugal Traveler" and often has some good tips on where to stay, book, and when to go.

One of his latest is "7 Steps To Cheaper Hotel Rooms". Its something that can help readers on FatWallet. Here is the article:http://www.nytimes.com/2014/08/10/travel/7-steps-to-a-cheaper-ho...

When reading I thought, "I could do better with some of my own tips" particularly when he mentioned Kayak.com as the site to use to check rates. For me, that is not a tip for 2014. It's more 2008. Why? Every time I search on Kayak it almost always pulls up the rates on Priceline or Expedia. This search "100 sites stuff" that Kayak touts in the slogans is highly questionable. They seem to search about 3 or 4 sites.

It seems plenty of readers felt that way too. So the "Frugal Traveler" gave us a follow up based on reader comments that is worth checking out.

His follow up was "Readers Respond To Hotel Tips":http://www.nytimes.com/2014/08/19/travel/readers-respond-to-hote...

In this one he takes it on the chin with some comments that some readers found questionable. However, what I saw as the best comment in both articles was the mentioning of BestTravelCoupon.com and how it measured up with Kayak. Kugel did a rate comparison test and wrote that it did "Search more sites than Kayak" (How could it not?) and that it beats "Kayak's best". I thought the "Frugal Traveler" came up with a good tip here. It's a site I use and it does beat up Kayak whenever I compare the sites.

Check out both links to the NY Times above. You'll find some good info in there on saving on travel including the stuff on BestTravelCoupon and a mention of Yapta which is a newer travel service for flights which I was not aware of.

Hope you find this useful.




Popular Destinations Deals
Liberty Mutual dragging it's feet over Total Loss Valuation claim
Added on : Friday August 29th 2014 11:00:07 AM
g: -1 Posted By: ShakuniMama
Views: 59 Replies: 1 It's been almost 4 weeks since my car accident as discussed here

My 2002 Honda accord was rear ended and is deemed a total loss by the appraiser. The at fault driver's (NJ plates) Liberty Mutual insurance has bee dragging it's feet over the valuation. It's been almost four weeks since the accident. After multiple calls/emails, It took them two weeks to send an appraiser who told me that someone from the total loss department will contact me within 2-3 days. When no one contacted me after 3 days, I emailed the assigned total loss claim specialist but receive no response for one week. I kept on emailing daily without any response. Finally, I called only to find an answering machine and received a message on my answering machine that this matter cannot be handled via emails and I have to "discuss" it with him.
I emailed the corp:krista.young@libertymutual.com,presidentialsvcteam@libertymutual.com as well as called his supervisor Djessica Lopesbut no response so far.

I finally managed to talk with the above mentioned claim specialist Michael Green @ total loss department today. He asked me few questions about my car and said that they don't have the mileage from my car despite the fact that the appraiser noted it down in front of me! He asked me to email him (see the irony) the picture of the odometer reading. What I don't understand is that he refused to discuss anything about a rental (I have been paying for it for last 4 weeks) saying it's company policy not to discuss about rental till valuation is completed. However, my insurance company specialist told me that they are supposed to provide a rental from the day one for "loss of use" till the payment is made and new car is bought.

I called again after emailing the pictures of odometer reading as well as my car's service history but got the answering machine again.

What are my options regarding rental and his refusal to answer emails ?
Best way to convert mutual funds
Added on : Friday August 29th 2014 06:00:13 AM
g: 0 Posted By: penguinknot
Views: 14 Replies: 0 I have several mutual funds in a few accounts (Roth IRA and Individual accounts each for my wife and me) that I'm wanting to get out of them and either go to Vanguard funds or Vanguard ETFs according to my desired portfolio mix. The old funds are a mix of American Funds and other at the time NTF ETrade funds. I've moved all of my funds to OptionsHouse to take advantage of the free 100 trades promotion but am wondering the best way to do the conversion. I obviously don't need to worry about the commissions in this but I see a few pitfalls with each option.

Into Vanguard Funds:
Con: Out of the market for at least a day (sell at end of day on say Monday and can't buy again until Tuesday end of day at the earliest)
Pro: Fully invest settled $$s in fractional shares

Into Vanguard ETFs:
Con: Can't fully invest settled $$s due to whole shares only. Did a test with a small section of my account and it took roughly 3 days to get the settled funds into the ETFs (each transaction took up a larger portion of my available buying power than the value of the ETFs, then it all was available the next day).
Pro: Hypothetically out of the market for less time since can sell a fund on end of day Monday and buy an ETF at market open Tuesday (although my test above seems to conflict with this pro).

Anybody have any thoughts or suggestions?
g: 0 Posted By: kaiLa00
Views: 228 Replies: 0 Quite a few books from notable authors that include:

Neil Gaiman
James Rollins
Kim Harrison (must pay at least $10)

Currently includes 15 books if you pay the full $10, or 13 books is more than the average buyer. At the time of posting, you have to pay minimum $7.48.

Seems to be a mixed mag of genres.

Hope you enjoy!​Forgot the link x.x
https://www.humblebundle.com/books
Books Deals
g: 0 Posted By: ctgolfer
Views: 188 Replies: 0 Amazon Kindle Fire HDX 7" - Tablet - Fire OS 3.0 - 16 GB - 7" ( 1920 x 1200 ) - front camera - Bluetooth, Wi-Fi - with Special Offers
Kindle Fire HDX tablets are the first tablets to be powered by the 2.2 GHz quad-core Snapdragon 800 processor, making them the first to clock in at over 2 GHz. It provides 3x more processing power than the previous-generation Kindle Fire HD and provides faster app launches, faster website load times, smoother multi-tasking, and better overall performance. Kindle Fire HDX uses the power of Dolby Digital Plus to create a world class audio experience. Dolby Digital Plus includes technology that adjusts volume, creates virtual surround sound, and delivers easier-to-understand dialog in movies and TV shows. Kindle Fire HDX is designed to automatically optimize the audio profile based on what you're doing (with or without headphones), such as watching a movie, listening to music, or talking on Skype.
Powerful quad-core processor
Kindle Fire HDX tablets are the first tablets to be powered by the 2.2 GHz quad-core Snapdragon 800 processor, making them the first to clock in at over 2 GHz. It provides 3x more processing power than the previous-generation Kindle Fire HD and provides faster app launches, faster website load times, smoother multi-tasking, and better overall performance.
Console-quality graphics
The Adreno 330 graphics processor on Kindle Fire HDX delivers high frame rates and console quality graphics - 4x the performance of the previous generation Kindle Fire HD.
Custom Dolby audio
Kindle Fire HDX uses the power of Dolby Digital Plus to create a world class audio experience. Dolby Digital Plus includes technology that adjusts volume, creates virtual surround sound, and delivers easier-to-understand dialog in movies and TV shows. Kindle Fire HDX is designed to automatically optimize the audio profile based on what you're doing (with or without headphones), such as watching a movie, listening to music, or talking on Skype.
Breakthrough HDX display
Kindle Fire HDX has a high resolution display (1920x1200) and high pixel density (323 ppi) for an incredible multimedia experience. The display features over 2 million pixels for vivid, lifelike images that go beyond standard HD.
Perfect color
The Kindle Fire HDX displays feature perfect color (100% sRGB), displaying images and videos as the photographer or videographer intended.
Better viewing indoors and out
The HDX display features dynamic image contrast, a unique feature that automatically optimizes the color of each pixel based on the amount of light in your surroundings. This makes images and videos even easier to see in any lighting conditions, including outdoors.
Front-facing HD camera
The Kindle Fire HDX tablets have a front-facing 720p HD camera, perfect for Skype HD video calls and taking photos to share via Facebook or e-mail.
Fast, powerful Wi-Fi
When it comes to HD content, bandwidth is everything. Without it, you get video buffering, slow downloads, and dropped connections. Kindle Fire HDX solves this issue by using state-of-the-art dual-band, dual-antenna Wi-Fi. With this, you'll enjoy fewer dropped connections and faster media streaming, plus you'll be able to go further from your wireless hotspot than with other tablets.
Ultra-fast Silk web browser
Amazon Silk is a cloud-optimized web browser, exclusive to Kindle Fire. Reading view removes all unnecessary images and other website clutter for a clean, easy-to-read version of the site. A left panel menu makes the browser easier to navigate. And Silk's redesigned content pages - most visited, bookmarks, trending now, and others - make it easier to find and access web content.
Enjoy and share
Relive your most memorable moments in stunning HD. The beautifully designed photo app makes it easy to view your albums or watch personal videos. And sharing your photos couldn't be easier - just tap on individual images to e-mail or to post to Facebook or Twitter.
X-ray for movies and TV
Kindle Fire uses the power of IMDb to bring Amazon's exclusive X-ray service to movies and TV shows. Simply tap on any scene to instantly see which actors are currently on screen, jump to other movies in which they star, learn the names of songs as they play, see trivia questions and answers, and explore character backstories.
Vibrant HD magazines
The improved interactive magazine experience allows you to start reading in just a few seconds with access to any back issue at any time on the cloud.
Immersion reading
With immersion reading, the Kindle Fire can synchronize Kindle text with companion Audible audiobooks with real-time highlighting to create a more immersive reading experience.
X-ray for books and textbooks
Tap on any page as you read to access X-ray, an easy way to uncover more from the books and textbooks you love. Instantly find chapters and locations that mention ideas, characters, and important places, as well as background info, biographies, and more from Shelfari, YouTube, and Wikipedia.


www.kmart.com/amazon-kindle-fire-hdx-7in-16gb/p-018W006664093001...
Android Tablets Deals

Kmart.com Coupons
Logitech G710+ Mechanical Cherry Brown Kyb + a little work = $93 + tax
Added on : Thursday August 28th 2014 04:00:04 PM
g: 0 Posted By: Logan71
Views: 212 Replies: 0 I've been watching this keyboard for a couple of weeks, going back and forth between no-name (Rosewill) keyboards and loud Cherry Blue keyboards (like the K70 on sale at Fry's)

Today I stacked a deal that isn't the best, but seemed warm to me, at least. This may not be a 'deal' unless you've been in the market for a full-featured mechanical keyboard.

Best Buy has it on sale currently for $109(Reg $149). as do a few others. Microcenter shows it at $139

Here's how I made it work for me, using the Kroger 4x Gift card promo that runs through 9/2.

$109.00 @ Best Buy
-$14.00 off gas at my next purchase (400 pts for buying a $100 BB gift card = $0.40/gal up to 35 gallons)
-$1.63 FW Cash Back
---------------
$93.37 + tax

The next closest deal I could find was refurbished via Ebay for ~$89with mixed reviews and a 90 day warranty.

I hope it helps someone who's looking to enter the 'expensive' world of mechanical keyboards. I'm typing on it now - the lightweight keys and LED illumination are marvelous.

Keyboard & Mouse Deals

Best Buy Coupons
g: 0 Posted By: tedhawkins
Views: 163 Replies: 0 Waring Pro Brushed Stainless Steel /Pro Health Juice Extractor - Factory Refurbished $29.95 Fs buydig

http://www.buydig.com/shop/product.aspx?sku=WPJEX328FR

Rated 4.0 out of 5 stars on Amazon with 500+ Reviews

The Waring Pro Juice Extractor lets you get the most out of your favorite fruits and vegetables. Ideal for today's fast and healthy lifestyles, the Juice Extractor is engineered to make the process easy. More juice is extracted from less produce, leaving only dry pulp in the Pulp Collector. That means no mess while processing, and quick and easy cleanups. An extra wide feed tube minimizes preparation time, and the convenient ON/OFF toggle switch is simple to use. The efficient metal design has fewer parts to clean, is easy to assemble, and makes this attractive machine a pleasure to own and operate. Drink to your good health, with Waring.

Features:

Extra Wide Feed Tube
Brushed Stainless Steel Housing
Extra Wide 3 1/2 Feed Chute
Instruction Book
Attached Pulp Collector
32 oz. Stainless Steel Juice Collector
Appliance Deals

Buydig Coupons
Dove white bar soap - ymmv
Added on : Thursday August 28th 2014 05:02:05 AM
g: 2 Posted By: redsoxfaninannapolis
Views: 1045 Replies: 6 Just checked my Safeway coupon center and hidden among the personal care & health selections is a free 2.6 oz trial size of Dove white bar soap. Not sure if everyone gets the same offers but its worth a look.
Consumer Alerts Deals
g: 2 Posted By: remick
Views: 291 Replies: 0 http://www.amazon.com/gp/product/B00K5RUFEY/

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



also free

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

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

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



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

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



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

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

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

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

How This Book Is Structured

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

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



The Philosophical Implications of Information Overload
http://www.amazon.com/gp/product/B00MSZ3W14
Books Deals

Amazon Coupons
Need help negotiating car purchase for Saturday!
Added on : Wednesday August 27th 2014 11:00:30 AM
g: 0 Posted By: mpennyranger
Views: 39 Replies: 1 Hi,
I have read a number of threads here and elsewhere re: trying to send out letters to negotiate the purchase of a new car, and I am just about ready to do so--I am in the market for a new Volvo XC60--I have done my test drives, compiled a list of dealerships that I would be willing to drive to (as well as a few others that are very far, but perhaps would be willing to make a good deal), gotten contact info for the internet or fleet salespeople, gotten preapproved through a credit union, know my FICO score, etc..... I am just hitting a hurdle in terms of setting up my letter, and could use some advice.

All of the sample letters suggest saying SPECIFICALLY what you want, so you can compare apples to apples. BUT, in my case, there are two things that I would accept: a 2015 XC60 with the BLIS package OR a 2014 XC60 with the BLIS package. I would definitely prefer the 2015 because it has a substantially higher MPG, but if the 2014 was substantially lower than the best 2015 price I could get, I would consider it. (The available 2014s are also more likely to be "upgraded" from the base model 2015 that I am shooting for, but none of the upgrades from the base model thrill me, so I'm not willing to pay extra for them.)

I DEFINITELY want to make a deal on Saturday because its end of the month and a number of Volvo manufacturer deals that would be awesome ($1000 Cash Back, extra 2 years of warranty & all maintenance, etc.) are expiring, and I want to close a deal as long as something hits my price Target, but I am not exactly sure how to frame the letter. Price also matters a lot, so I do want to see exactly how low I can go. I don't want my letter to say "I'll take the 2014 if it is substantially lower than your 2015 offer," b/c I know they want to get rid of the 2014s and they will just not reduce the 2015 offer. I am thinking perhaps the best strategy would be to send out an only-2015 offer on Thursday, see what comes back with my required specs, and Friday follow up with those same dealerships and say, "I would also consider a 2014, what is your best offer" and then just compare. Thoughts???

(Apologies for being so long-winded)
New User Question Deals
Call of Duty: Modern Warfare 3 - Xbox 360 $12.00 @ Amazon FBA Prime
Added on : Wednesday August 27th 2014 11:00:04 AM
g: 0 Posted By: amtrak23
Views: 204 Replies: 0 It was 12.49 a few months back. $12 flat now with Prime from 3rd party seller.
http://www.amazon.com/gp/offer-listing/B00503E8S2
Xbox 360 Games Deals

Amazon Coupons
Changing Careers and Decreasing Salary - Opinions?
Added on : Tuesday August 26th 2014 04:00:59 PM
g: 0 Posted By: elrp
Views: 183 Replies: 7 This was me a few months ago. Now back to work at my data-analyst job of 25 years after a huge health scare.

http://www.fullofdeals.com/forums/finance/1356141/?start=0

I hate my current job. Was not happy when I went out on leave but now that I am back, I dread every hour of the work day. I am bored writing SQL queries and being tied to a desk 8 hours of the day.

I am considering taking a new job doing something I am well-qualified for and that I would enjoy doing. It's not a desk job. I would do local travel and meet people. The kicker is that it's a huge pay cut -- the average salary is $48,000. I don't have an offer for this job, at least not yet (it's not even an official opening yet) but it could be if I inquire (again, huge match for my skills). There is the logical part of me that says life is short, you got a second chance, do what you makes you happy and then there is the FWF side of me that thinks we need the larger salary and that it might kill me to take that pay cut.

Any advice from the FWF crowd?








New User Question Deals
g: 0 Posted By: wsn97
Views: 176 Replies: 0 I bought this bluetooth speaker a few weeks ago and it works amazingly well. Pretty good build quality, good range, with built-in microphone and AUX in for non-Bluetooth device.

Current selling price on Amazon is $24.99, save $6 after coupon code "BKY83PZZ", final price will be $18.99.
Free Shipping for Prime Member.

Amazon link below:
Purchase Link

Headphones & Speakers Deals

Amazon Coupons
Planet Fitness $99/year no annual fee, no startup fee Expires Wed 8/27
Added on : Tuesday August 26th 2014 11:00:36 AM
g: 0 Posted By: Domanator
Views: 234 Replies: 2 I checked a few locations in Northeast Ohio and got this deal. It expires 8/27. Normally, the cheapest deal at Planet Fitness involves a $19-39 start up fee, $29 annual fee, and $10/month. This deal is $99/year paid upfront with no startup or annual fees. It can be paid with credit card at the gym. Check planetfitness.com and click Join Now for a club near you to see if the deal is there. After 1 year, you can renew for another $99. You can also sign up for this if you are on an existing plan. I signed up and they gave me the $99 rate and started it after my current month that I already paid for expired. This is a savings of $50 per year on the aforementioned normal rate, not including start up fee savings if you are a new member. With this deal you are looking at an average of $8.25/month as supposed to $12.41/month. Also, if you are a current member the annual fees will be charged to your account in October so if you do this deal now you will avoid paying it.
Services Deals
Dove white bar soap - ymmv
Added on : Tuesday August 26th 2014 09:00:22 AM
g: 0 Posted By: redsoxfaninannapolis
Views: 0 Replies: 0 Just checked my Safeway coupon center and hidden among the personal care & health selections is a free 2.6 oz trial size of Dove white bar soap. Not sure if everyone gets the same offers but its worth a look.
Optionshouse: Earn 10,000 MileagePlus Award Miles
Added on : Tuesday August 26th 2014 07:01:09 AM
g: 0 Posted By: ab13263627
Views: 100 Replies: 0 Took me three months and a few emails, but it worked.

http://landing.optionshouse.com/united10k
Credit Deals
g: 0 Posted By: MISTERCHEAP
Views: 48 Replies: 0 http://track.mysavingsmedia.net/click.track?CID=270865&AFID=3023...

SHOPRITE 8/31 to 9/6

Sobe Lifewater Frozen Bars 99c each

less .50/1 coupon (doubled to 99c) = FREE

http://track.mysavingsmedia.net/click.track?CID=270865&AFID=3023...

also a .50/1 EQ to clip at shoprite.com, makes one box a .50 mm
g: 0 Posted By: vanheve2
Views: 334 Replies: 5 These are refurbished, but both units I received were in perfect shape.
Have 2 of these running on Comcast Service for a few months with no problems. Got both from this seller with no issues.
$26.95 with free shipping.
http://www.statestreetdeals.com/view-product/en/53
Comcast Approved: http://mydeviceinfo.comcast.net/device.php?devid=225
Modems Deals
65% Off NFA Gun Trust from 199trust.com $69
Added on : Monday August 25th 2014 08:01:46 AM
g: 0 Posted By: tedhawkins
Views: 127 Replies: 0 65% Off NFA Gun Trust from 199trust.com $69

http://www.gearhog.com/

Deal Overview
199Trust.com is a document creation service that creates NFA Gun Trust documents at the specific direction of our customers. 199trust has become a leader in helping people create these documents, and is the leader in affordability, historically these types of documents cost gun owners $500 or more to create. However please know 199trust.com is not a law firm and cannot/does not provide legal advice, if you need legal assistance or are unclear of the laws in your state, you should contact a local lawyer before purchasing the Trust documents.

Here are a few of the many popular reasons that make our customers want to setup a Trust for themselves:

1. They want the ability to have multiple people (Co-Trustees) to be allowed to use the items that are placed in the Trust.

2. They do not want to have to do fingerprint cards

3. They do not want to hassle with getting their Chief Law Enforcement Officer's (CLEO) signature

4. They want to have a clear written plan (similar to a Will) of who will be beneficiaries of the Trust and a plan for distribution. Please visit 199trust.com or call us at 888-442-4307 for more information about our service.

Once you have paid for this item on Gearhog the link will be sent in your Gearhog order email.
Services Deals
Arris DOCSIS 3 Cable Modem WBM760a $26.95 Shipped; COMCAST APPROVED
Added on : Monday August 25th 2014 08:00:17 AM
g: 0 Posted By: vanheve2
Views: 85 Replies: 0 Have 2 of these running on Comcast Service for a few months with no problems. Got both from this seller with no issues.
$26.95 with free shipping.
http://www.statestreetdeals.com/view-product/en/53
Comcast Approved: http://mydeviceinfo.comcast.net/device.php?devid=225
Diamondback 2014 Lustre 24" Girls Bike $131.74 at Amazon
Added on : Monday August 25th 2014 12:00:31 AM
g: 0 Posted By: doncrescas
Views: 166 Replies: 0 Amazon currently has a very good price on this aluminum frame kids mountian bike for $131.74 (currently over $300 at REI). Definitely a big step up from department store junk. There's nothing too girly about the bike, so if you remove a few decals you will have a plain white bike that should be fine for a boy as well.

Linky
Diamondback Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 51 Replies: 0 use promo code: CLASS14

Designed for today's modern interiors, this unique TV stand will turn your home entertainment area into a sleek new space. In a sleek black finish, the TV stand is crafted from a mix of metal and glass shelves, giving it a chic, contemporary look. The unit even includes a special TV mount, allowing you to position your TV a few inches off the stand and place additional items on the top shelf. Two more lower glass shelves provide room for your cable/satellite box, DVD players and other A/V components, or decorative accents and collectibles. The uniquely designed frame gives the TV stand its distinctive appeal. Two drawers at the top of the piece provide a convenient space to store remotes, accessories or miscellaneous items. Accommodates flat-panel TVs up to 52. Measures 22H without mount; 51.25H with mount x 54W x 18.5D.
Black finish
Fits TVs up to 52"
22" x 54" x 18.5" assembled
Easy assembly

www.sears.com/altra-metal-glass-tv-stand-with-mount/p-0083738000...
Furniture Deals

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 132 Replies: 0 1000 dpi provides responsive cursor control.

Snap-in Transceiver

Stows conveniently under mouse for portability.

Power switch turns the mouse on and off for up to 8 months of battery life.

Designed for Comfort

Comfortable in left or right hand.

For faster on-screen navigation.

Easy-Access Hot Keys

Windows Start Button

Experience fewer interruptions with up to 15 months of battery life.

www.newegg.com/Product/Product.aspx?Item=N82E16823109227
Keyboard & Mouse Deals

Newegg Coupons
10lbs whey protein - $35 shipped to your door!
Added on : Sunday August 24th 2014 11:00:15 AM
g: 0 Posted By: robstahl21
Views: 262 Replies: 1 VitaminWorld has buy one get one free on the 5lbs Precision Engineered Whey Protein.

1) go to coupons.com... signup, register a Credit card and go into their "card linked offers" at 'apply' the $15 off $50 at Vitamin World - ( when you check out at Vitamin World, be sure to use the same card and they'll credit $15 back to your CC.)

2) use FW link to VitaminWorld for extra 5% Cash Back

3) at Vitamin World - add two of the Precision Engineering 5lb whey protein tubs to your cart and a filler item for a few bucks to get it over $75... then use code VW991 for an extra $25 off $75
*be sure to use the same Credit Card you registered on coupons.com

Checkout will be ~$50 with $1.98 shipping. you'll receive the credit back from coupons.com within about 30 minutes via email notification and then of course the 5% FW CashBack later

Health Deals

Vitamin World Coupons
g: 0 Posted By: st4rdust
Views: 174 Replies: 0 verabradley (via eBay) has select Vera Bradley Euro Wallets on sale for$8.99with free shipping.

Choose from Very Berry Paisley,Watercolor,or Viva la Vera.


I ordered one of their wristlet wallets from this deal a few weeks ago. It shipped very fast and arrived in perfect condition. I have used it every day since.

Might end up getting one of these as well since it's smaller and seems like it could be pocket efficient.
Clothing Deals

eBay Coupons
Self Directed IRA To Invest In Local Entrepeneur You Advise? Legal?
Added on : Friday August 22nd 2014 05:00:33 PM
g: 0 Posted By: robronson
Views: 93 Replies: 1 I understand self-directed IRAs are not allowed to be used to do things you can control, such as invest in a business you manage or a buy a house you rent to yourself.

What if you paired up with a local entrepreneur, who you're advising and helping get started, and invested in his business through your self directed IRA? You technically wouldn't have legal control over what he did with the money, but you are serving as an adviser. Maybe not an adviser on paper but he will go to you on a regular basis for advise on how to run the business and perhaps to ask for more money if he needs additional capital, which you can also invest from your IRA.

This seems like a reasonably legit way to set up a business that you don't personally run, but is based on your ideas, and has been vetted by you to have a strong chance of success, and also get tax-free returns by investing from your Roth IRA. While most businesses are unsuccessful, the very few that are successful get returns extremely high. I could envision getting a 10x return over one or two years with the right business.
Question Deals
g: 1 Posted By: robin2rl
Views: 211 Replies: 0 Not sure if anyone is interested, I saw this on Reddit. Sold on Amazon by Computer Upgrade King

http://www.amazon.com/Lenovo-ThinkServer-TS140-70A4000HUX-Comput...

Next cheapest price are a few other sellers for $265.
Computers Deals

Amazon Coupons
FATCA implementation in Cyprus - it's in effect here now it appears
Added on : Thursday August 21st 2014 03:00:09 AM
g: 0 Posted By: GotRocks
Views: 48 Replies: 1 I've had a bank account in Cyprus, where I now live, since 2008. I moved here permanently in 2011. Opening the account was simple and they even used my US address until I had one in Cyprus. I only had to provide my passport to open the account. I've complied with FBAR since I opened the account.

Today I went into my bank to arrange to get a new ATM card (current card expires soon) and was met with a barrage of forms. At first I thought that this was the typical bureaucratic nonsense of banking here in Cyprus (enhanced by the crisis last year). But no....I was wrong. They wanted my SS number and a copy of my SS card (which I do not carry with me here in Cyprus) and I had to sign some forms saying I was a tax resident of the US (kind of weird because even though I do not live in the US, if you are a US citizen, you are subject to US income tax). They weren't US or Cyprus gov forms, they were bank created forms.

I had been wondering when something like this was going to happen and now it has. So it appears that Cyprus is complying with FATCA. I am glad to know that they weren't going to close my account.

It doesn't seem that this bank is actively soliciting getting Americans' SS numbers as FATCA has been in effect since 14 July (I believe). I think that they are just updating the info when the American customer comes into the bank for something. I expect they'll get around to hunting the rest of us down in the next few months. Not that many Americans in Cyprus.
General Economics Deals
Craftsman XSP 12 Gallon 5.5 Peak HP Wet/Dry Vac $57.99 A/C w/FS @ Sears
Added on : Wednesday August 20th 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 147 Replies: 0 use promo code: SEARS2014

The Craftsman XSP 12 Gallon 5.5 Peak HP Wet/Dry Vac also quickly converts to a blower. Cleaning up at a messy jobsite, blasting dirt from the shop floor or fall leaves off the driveway can be done in a snap. It also includes a 9 Pc accessory set for nearly any situation.

More Suction Power than Shop-Vac and Ridgid*
Tackles the toughest jobs. Vacuums away wood chunks, metal shards, nails or sawdust in the shop. Clears drywall chunks, broken glass and screws at the job site. Drains flooded basements and removes leaves and other debris from gutters (gutter kit sold seperately) just to name a few.
Large 12 Gallon collection tank with extra-large quick empty liquid drain
Powerful 5.5 peak HP motor makes short work of jobs
Top tray storage conveniently stores items such as mechanics tools, power drills, screws and needed tools on top of the vacuum so they are easily accessible when needed
On-board hose, accessory and power cord organizers provide space saving, convenient and hassle-free storage
Over 27 Foot Cleaning Reach (7 x 2-1/2 In. Secure Fit Hose, 20 Power Cord and Two Extension Wands)
Heavy duty 360 swivel casters for enhanced mobility on most surfaces
Also includes hose bracket set, cartridge filter, wet pickup foam filter, crevice tool, utility nozzle and floor/ squeegee nozzle combo
Large dust sealed on/off switch for easy control and ergonomic handle for improved comfort
Quickly converts to a blower for jobsite, shop or garage cleanup


www.sears.com/craftsman-xsp-12-gallon-5.5-peak-hp-wet-dry/p-0091...
Appliance Deals

Sears Coupons
Sams Club has Swann 8 camera, 720p w/1TB NVR for $449
Added on : Wednesday August 20th 2014 12:00:03 PM
g: 0 Posted By: gandude
Views: 167 Replies: 0 After $300 tech savings price is $449. free ship

Sams Club Swann 8 camera security

8x 720p cameras. NVR w/1TB HDD. CAT-5 cables. NOTE: this is not PoE, but doesn't look too bad. -Just a few extra wall warts tofind outlets for.

Don't know much about these systems but this seems fairly good for the price. I did a little bit of research. It should be delivered today.

Thoughts?
Home & Garden Deals

Sams Club Coupons
Needing advice on starting a business.
Added on : Wednesday August 20th 2014 11:00:06 AM
g: 0 Posted By: timgodsil
Views: 137 Replies: 9 I've talked to quite a few people, and get mixed answers.

I am wanting to start a pawn shop. I figure I will need about 50k-80k in funding. 10k for renting a retail building for a few months, 10k for a computer, some shelving, etc, and the rest capital to loan money (pawn).

However, some people tell me that I won't get a loan without a college degree, and others tell me banks won't give you the time of day if you have student loans.

I would hate to go to college, get 40k in debt from loans, and have to work to get back to zero, all to find out I didn't need a degree for a loan.

Does education help loan funding, or is it purely credit?
New User Question Deals
Textbook Coupon Thread
Added on : Wednesday August 20th 2014 10:00:02 AM
g: 1 Posted By: Kariput
Views: 128 Replies: 1 I've been shopping for my daughter's college textbooks and I've turned up quite a few coupon codes for various sites. I'm listing them here so others can share the savings:

Merchant________________Code_______________Description________Expires
AbeBooks____________ A5863DEALOZ______ $5 off $80 or more________8/31
Alibris________________ WEATHER_________ $5 off $50 or more________9/01
Alibris________________ DROP_____________ $10 off $100 or more______9/01
Biblio_________________ LEARN2014________ 3% off_________________ 9/15
BiggerBooks___________ BIGGER100________ $10 off $100 ____________12/31
BookRenter___________ B2S5OFF___________ 5% off rental_____________9/29
CampusBookRentals___SMELLWELL_________10% off order____________ 9/01
eCampus____________ UABPERKS__________ 5% off_________________ 8/31
Half.com____________10BACKTOSCHOOL__10% off $25 or more_________9/14


Books Deals
$6.99 USB External Battery Pack Free Ship @ Amazon via DealCutter
Added on : Wednesday August 20th 2014 08:00:02 AM
g: 0 Posted By: tyninja
Views: 79 Replies: 0 I am such a sucker for batteries and charging. I'm always on my phone, so anything that can extend my battery life...I'm all in!

Amazon has the Noot portable battery bank (3000mAh) for $12.99 - $6.00 coupon code=KYQ3NMFC = $6.99 free shipping & no tax outside of NY. Must buy through seller DealCutter for code to work. I have a few of the Noot products and love it! It has some good reviews on this one too. It says for iPhone 6 (which isn't out yet ) but it will work on majority of the phone since it's a USB connection.

http://www.amazon.com/Portable-External-Motorola-Smartphones-Connection/dp/B00K6NFOPC/ref=aag_m_pw_dp?ie=UTF8&m=A11JVZCF0MT60Y
g: 0 Posted By: remick
Views: 96 Replies: 0 https://www.facebook.com/Safeway?sk=app_493450280757598
Totally Free Deals
Free Kindle Book- 101 Ultimate Adult Drinking Games
Added on : Wednesday August 20th 2014 01:00:08 AM
g: 0 Posted By: remick
Views: 78 Replies: 0 http://www.amazon.com/gp/product/B007BIFFUE

If you are looking for a sensible, mature way of spending the evening with a few close friends, then this probably isn't the book for you - maybe head over to the Wine Tasting and Fondue* section on Amazon instead?

But if you want to get blasted with the perfect pocket compendium of ultimate drinking games, then stick around!

I've scoured bars, college parties, nightclubs, bachelor parties and stag nights to bring you the best ways to get you and your buddies laughing, drinking and possibly falling over a lot.

Easy to follow, step by step guides for the soon to be inebriated - all you need is alcohol and people, maybe some playing cards, a couple of dice and the odd ping ping ball, but don't we all have them in our pockets anyway?

Oh, that's just me then...

Keep this book stashed on your Kindle and liven up any party!

Your drinking buddy,

Jonny Lee Jr.
Books & Magazines Deals
g: 0 Posted By: DaysFan
Views: 178 Replies: 0 SAVE $10 INSTANTLY
http://www.vons.com/ vonsclub members offer

GUESS, Inc. Gift Card

Purchase $50 or more in GUESS, Inc. gift cards and save $10 Instantly. Limit 1.

Offer Type: One-time Store Coupon

Expires 9/2/2014


Offer Details: Coupon expires 09/02/2014. Purchase must be made in one transaction. Limited to One (1) per household. Safeway* Club Card required. See store for offer restrictions. See gift cards for gift card terms, conditions and fees (if applicable). While supplies last. Offer may not be valid in all states. No Rain Checks.



SAVE $5 INSTANTLY


Save $5 Instantly on AERO gift cards

Save $5 Instantly when you purchase $50 or more in AERO gift cards. Limit 1.

Offer Type: One-time Store Coupon

Expires 8/26/2014
Offer Details: Offer Valid 08/08 - 08/19. Final redemption 08/26. Offer subject to availability while supplies last. See gift cards for terms, conditions, and (if applicable) fees. No rain checks. Only one offer per transaction. Only one offer per household.
http://www.vons.com
Who pays for bee hive removal
Added on : Tuesday August 19th 2014 10:00:07 AM
g: 1 Posted By: cougarman
Views: 302 Replies: 9 My neighbor has a large tree in there yard with a bunch of branches over my property line. A few days ago we noticed an increased number of wasps on the property. Well turned out that tree had 2 wasps nests in it. I use my backyard frequently and have 2 dogs that also use it so it was a priority to have them taken care of. They came out today and sprayed the nests and charged me $267 and they will come back next week and remove one since the other is way to high. The neighboring house is a two family rental unit. So I am not certain who the owner even is, but im sure I can find out. When the pest guy come out he was telling me that the neighbor should be paying to have these nests removed since they are located in their tree. I'm not sure what any suggestions would be ideal.
Personal Finance Deals
RST Outdoor Cannes Collection Patio Furniture ~50% Off
Added on : Tuesday August 19th 2014 10:00:02 AM
g: 0 Posted By: green14
Views: 147 Replies: 0 RSTOutdoor.com is having the best deal they've had all year right now on their new Cannes collection furniture with grey wicker. The Cannes collection is on sale, plus use code CANNES14 for an extra 30% off the sale price. I don't know when this code will expire as it hasn't been advertised in about 3 weeks, but it still works as of this post and the current sale prices are the cheapest they've been since I've been watching them (a few months). Shipping is free too! There are 4 color options: Cantina Red, Tikka Orange, Bliss Blue and Slate Beige. Tikka is Sunbrella fabric, Bliss and Slate are Sunsharp fabric (also made by the makers of Sunbrella), and Cantina is olefin fabric.

For example, I purchased the Cannes Corner, Sofa and Armless Chairs (all in Bliss Blue) to make a sectional and it cost $1,679.97 with the sale and CANNES14 code instead of retail of $3,199.97. 47.5% off retail. We absolutely love this furniture. It's high quality, lightweight and beautiful! The cushions are thick and comfy and have removable covers for washing. The covers don't cover the bottom side, which is mesh to allow water to flow through.

http://www.rstoutdoor.com/collection-cannes-blue
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RST Outdoor Coupons
Free Sub at Firehouse Subs On Your Birthday
Added on : Tuesday August 19th 2014 06:00:10 AM
g: 0 Posted By: frankietp
Views: 145 Replies: 0 Just show an I.D. with your birth date on your birthday and you'll get a FREE medium celebratory sub.

Sign up here: http://www.firehousesubs.com/Birthday.aspx
and they will remind you a few days before your birthday.
Totally Free Deals
Young adults paying rent... What's fair?
Added on : Tuesday August 19th 2014 01:00:05 AM
g: 0 Posted By: letsspendlotsofmoney
Views: 30 Replies: 0 Young adult children paying rent.I will be asking my young adults to begin paying rent, a few years late but why should they be able to save and spend at will while I bear 100% of the burden of putting a roof over their head. If the kids contribute I would be able to put extra towards my retirement, so I wont have to come live with them in my golden years.. Do the numbers below seem fair? I added up all of our incomes and calculated each persons percentage.
income % of income contribution GF 20000 13.00% 205 SON 30000 20.00% 310 DAUGHTER 35000 22.00% 340 DAD 70000 45.00% 700 155000 1 1555 budget rent 1000 elec/gas 300 water 100 cable 150 netflix 12


Real Estate Deals
Roku - 1 Streaming Player $34.99 @ Best Buy
Added on : Tuesday August 19th 2014 12:00:04 AM
g: 0 Posted By: ctgolfer
Views: 182 Replies: 0 Wirelessly stream movies, TV shows, sports, news and more
With more than 1,500 entertainment channels at your fingertips, you can watch just about anything.
Use your smartphone as a Roku remote
Download the Roku app on your Android or iOS device to send photos, music and video to your TV.
Easily find your favorite movies and TV shows with one-stop Roku search
Search across multiple apps, including Netflix, Hulu Plus, Amazon Instant Video and more.
Quick and easy setup
Sets up wirelessly in just a few simple steps.
Compatible with virtually any TV
Easily connects to HDTVs and standard-definition TVs.

www.bestbuy.com/site/roku-1-streaming-player/1618055.p?id=121905...
Electronics Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 71 Replies: 0 shipping adds $5


TRU Infrared Cooking System locks in juices and seals with few flare ups

290 sq. inch porcelain-coated heavy duty grates
10,500 BTU burner provides great taste with seared-in flavor every time
Operates using either 1 lb LP cylinders or 20 lb LP tank with optional LP adapter

Two AP Coolers

Two 30 qt. removable, soft-sided coolers with hard liners included, and two easy-grip loop handles
Keep ice and drinks in one cooler while keeping food warm in the other
Hard liners add strength and remove for easy cleaning

Convenient and Portable- Perfect for tailgating or camping

Portable infrared cooking system also features on-board coolers for go-anywhere grilling and fun
Grills up to 3 hours per 1 lb LP cylinders
Wheeled cart makes for easy transportation and storage
Remove the side shelves, lower the grill, raise the handle and you're on your way



RED
http://sport.woot.com/offers/portable-grill-and-cart-combo-red

BLUE
http://sport.woot.com/offers/portable-grill-and-cart-combo-blue
Appliance Deals

woot! Coupons
g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

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

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

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

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

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

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

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

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

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

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

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

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

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

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
Discussion Deals
g: 0 Posted By: Virgil27
Views: 101 Replies: 0 Ozark Trail 8-Person Dome Tent with Extended Porch RainFly $79.00 w/ FS @ Walmart

Still planning to get out camping a few more times? WalMart has this Ozark Trail 8-Person Dome Tent for $79 off with free shipping. This is $15 less than Amazon.
Sports & Outdoors Deals

Walmart Coupons
Staples. $100 off any clearance PC or tablet. YMMV
Added on : Monday August 18th 2014 05:00:06 PM
g: 0 Posted By: irishrob60
Views: 214 Replies: 0 Had to call in to get them to apply it to my order. Found a $75 off coupon in an earlier thread. Applied it to see if it would work & came up as $100 off

$100 off any clearance PC or tablet.
Coupon#: 50464

Used it on Asus transformer Pad infinity 10.1 full size HD 32 GB Tablet
Was $499.99
Save -$275.00
FInal price 224.99 -$100 coupon = $124.99

I know it's an older tablet but works for my purposes.
They do have a few other decent deals in the Technology clearance. Depends on what your looking for.


Computers Deals

Staples Coupons
g: 6 Posted By: TheDiggler
Views: 560 Replies: 2 Managed to capture the underlying URL of a Staples flash based web ad (see attached pic).
Here's the captured URL shortened (copy/paste into browser): goo.gl/JeXig0


Based on observations, one UNIQUE cpn code per BROWSER TYPE per PC can be generated (when choosing to PRINT cpn), regardless of whether you're generating it via a normal browser instance or an Incognito/Private Window/In-Private Browsing instance.

Was informed that when having the cpn TEXTED, it may generate a uniquecpn codeeach time it txts (even in the same browser instance), although the person who tested it had txts sent to multiple phone #s. (Not sure if unique cpn codes were generated to the SAME phone #).

YMMV

*EDIT* When originally posted, the URL above was hyperlinked. The mods updated thathyperlinktopointDIRECTLY to Staples.com. Ultimately the "goo.gl" link reaches Staples.com, butit needs to beinitiatedthrough the actual URL generated by the web-ad (which bounces through a few intermediary links before it gets to Staples.com). Otherwise, the URL pointing DIRECTLYto Staples.com will have the maximum # of redemptions exceeded (and thus not work for others).
Office & School Supplies Deals

Staples Coupons
g: 6 Posted By: bbr
Views: 247 Replies: 6 I searched the forum and there are only a few threads on this and they don't look like they were active until conclusion. So this thread will hopefully show the entire process through conclusion. However, we are at the beginning of the process and probably months if not years away from the end. Any helpful insights would be appreciated.

State - Georgia
Purpose - Road widening
Amount of land for right of way - 1000sqft +/-
Construction Easement - 6000sqft +/-

What they are wanting purchase from us:

Our SFR house (primary residence) backs up to a road they are widening from a 2 lane road to a four lane divided highway with bike lanes and sidewalks. It appears that the majority of new right of way is going across the street from us. The right of way they want to purchase from us is only a few feet wide and probably wouldn't have much impact on our quality of life. However, they also want a permanent easement that comes an additional 40' +/- closer to our house. They would clear the land on this easement and we would not be able to place any permanent structures (ie. fence) on this land. This easement would clear out an 8'-10' high earthen berm with a 6' high privacy fence on top and extensive mature landscaping. Additionally we have a nice new pool and spa in our back yard along with a pool house and storage building. The back yard was designed to be our relaxation area (has waterfall features on pool and spa, nice lighting, nice landscaping, etc.) and is fairly private. Removing the berm and landscaping will diminish the quality of life extensively (according to me).

Where we are in the process:

August 2014 - Appraiser met with us to explain what they were doing and approximately how much land they would need. Gave us a map and pointed to the approximate boundary lines (surveyors should stake the property "soon"). Appraiser took lots of pictures and was very helpful with explaining the process and what they would and would not pay for.

What they will pay for:

-ROW land
- Easement land
- Fencing
- Landscaping (plants, trees, and irrigation)
- Storage building (if any part of it it is in easement area)

What they might pay for:

- Diminished value because of the loss of the berm and landscaping

What they won't pay for:

- Not sure yet. Going to ask for everything under the sun.

Negotiation Strategies:

- Ask for concrete privacy wall/noise barrier like you see on interstates (appraiser said he had not seen them do this on this type of project)
- Ask for construction easement to be temporary
- Ask for diminished value from loss of berm/landscaping (appraiser said he would need to do a more in depth appraisal for this, he's going to try to get that appraisal approved)



If you have any experience with something like this, or if you have suggestions please chime in.
Personal Finance Deals
Xbox Live Gold 12-month $38 (cdkeys.com)
Added on : Sunday August 17th 2014 08:00:04 PM
g: 0 Posted By: ithinkurdumb
Views: 153 Replies: 0 Found this by accident: was helping a friend find a cheaper way to renew her XBL Gold membership.

http://www.cdkeys.com/xbox-live/memberships/12-month-xbox-live-gold-membership-xbox-360

cdkeys.com is selling 12-month gold membership for 23.79 GBP (which is around $40). If you like there Facebook page, it'll give you a 5% off coupon, making it around $38 (there might be additional foreign transaction charge, depending on the credit card).

After paying through PayPal, I got a link which asked me to provide my phone number to receive validation code. Once that's done, they showed me a photo of what appears to be a physical card scratched revealing the redemption code. The code works on xbox.com.
It is a few more hoops to jump through then simply buying from xbox.com or Amazon, but it is probably the cheapest around at the moment.
Xbox Live Deals
g: 0 Posted By: IStillPickUpPennies
Views: 252 Replies: 0 TP
These rolls have 20% recycled content. I assume that it's not recycled toilet paper, because then it would probably be brown.

Add 2 to cart
Use coupon code 88719333 for $10 off $50

Final cost, $59.98 delivered (free delivery over $50)

Using the average number of sheets I've seen advertised for "double" rolls, these should qualify easily as "quadruple" rolls, since each roll has 450 sheets. (I'm sort of impressed they don't call it that, however)
This deal yields .16611 cents per sheet, and does not require any sort of recurring purchase. Plus, there is something to be said about the convenience of only having to change rolls every 450 sheets,
rather than 176, 190 or 264 sheets like some of the others I've seen. It means fewer times of having to sit there saying "Who left just two squares on the roll!!??"

Here are per sheet costs on some comparable toilet papers on various websites:
Wal-Mart "Jumbo" 286 sheets .16725 cent per sheet
Amazon "double" roll 264 sheets .17353 cents per sheet


Home & Garden Deals

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

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

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

Included in OZ: The Complete Collection are:

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

Fourteen Complete Works

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

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

Beyond the Yellow Brick Road

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

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

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

Frankly, I would rather pay the $0.99 since I had fond memories of going to the library and checking out the paperback versions and really liking a few of the series. I hope this might help someone. Thank you for reading.
Books Deals

Amazon Coupons
way to undo a hard credit pull?
Added on : Sunday August 17th 2014 11:00:09 AM
g: 0 Posted By: morfys
Views: 123 Replies: 4 Hi,

My wife opened up a Gap credit card today. The problem is that we will likely buy a house in the next few months, and will take out a mortgage.

So we had the following questions:

1. How likely did Gap do a hard credit pull?
2. What impact will the pull have on our credit score used by lenders? We had a 780 score before.
3. Is there anyway to undo a hard credit pull?
4. What impact will a lowered credit score have on our fixed mortgage rate? I heard there was a threshold at 760 to get the best rates?

Thank you very much for any information.
Question Deals
g: 0 Posted By: st4rdust
Views: 189 Replies: 0 Amazon has a2-pack of CoverGirl Simply Powder Foundation(Ivory) on sale for$2.64with free shipping when youclip the $3.00 couponlocated directly below the price and checkout via Subscribe & Save.

This is one of the few times in my life I have ever wished for fair skinCoverGirl's powder foundation was my go-to when my skin was oily.


3.9/5 stars based on 25 customer reviews.
Makeup Deals

Amazon Coupons
g: 1 Posted By: ctgolfer
Views: 125 Replies: 0 Skype Credit $10 / $25 / $50 - Call, Text, Wifi hotspots - Email Delivery
Skype Credit
Enjoy Skypes great paid features with a little Skype Credit. Call mobiles and landlines worldwide at low rates, send text messages from just a few cents and get online at over two million WiFi hotspots.

Make a lot of calls? You can also use your credit to buy a subscription and get our lowest calling rates to over 170 countries.

What can you do with Skype Credit?

Call mobiles and landlines
Send text messages
Use Skype WiFi
Set up Skype To Go

www.ebay.com/itm/30-off-Skype-Credit-10-25-50-Call-Text-Wifi-hot...
Services Deals

Skype Coupons
Buying a Used Hyundai still under warranty
Added on : Saturday August 16th 2014 05:00:06 AM
g: 0 Posted By: cr3s
Views: 56 Replies: 3 I'm looking to buy a used Hyundai.

I know the warranty is reduced to 5/60,000 miles as a second owner. So, it still has manufacturer warranty. I've read that Hyundai is pretty stingy about honoring warranties and that you need meticulous documentation, like regular oil changes (not DIY).

Here are the specs:

Sold by a dealer.
Originally was a rental car. Was in the fleet for 13 months. It has about 25K miles on it.
It's been sitting on the dealer's used car lot for 4.5 months.
The dealer is about 250 miles away. I can get their via carshare or train.
Should I still get this car inspected by a mechanic? The last few times I've done so, I don't think they gave me my money's worth.

Anyone have experience buying cars unseen? I know i should have all the negotiations and paperwork singed before heading to pick up the car.
Any tips for negotiation, things to ask, things to be ware of?

Thanks,





Question Deals
g: 0 Posted By: eGorka
Views: 70 Replies: 0 Servers Ultimate Pro by Ice Cold Apps

Release Date: July 24, 2013
Average Customer Review: 4.8 out of 5 stars (6 customer reviews)

Features
Run over 60 different servers from your device!
Over 70 protocols available!
16 network tools available!
Example servers: FTP, SSH, WebDAV, MySQL, PHP, Git, and more!

Description
**Run over 60 servers with over 70 protocols!
**Now you can run a CVS, DC Hub, DHCP, DLNA, DNS, DDNS, eDonkey, Email (POP3 / SMTP), FTP Proxy, FTP, FTPS, FTPES, Flash Policy, Git, Gopher, HTTP Snoop, ICAP, IRC Bot, IRC,ISCSI, Icecast, LPD, Load Balancer, MQTT, Memcached, MongoDB, MySQL, NFS, NTP, NZB Client, Napster, PHP and Lighttpd, PXE, Port Forwarder, Proxy, RTMP, Remote Control, Rsync,SIP, SMB/CIFS, SMPP, SMS, Socks, SFTP, SSH, Server Monitor, Stomp, Styx, Syslog, TFTP, Telnet, Time, Torrent Client, Torrent Tracker, Trigger, Unison, UPnP Port Mapper, VNC, VPN,Wake On Lan, Web, WebDAV, WebSocket, X11 and/or XMPP server!

**Normally you pay 0.99 or 1.99 for one server, here you get over 60 servers and network tools for this low price!

**Start a server easily on the 'Simple' tab or go advanced and add users, allowed IP's, start/stop rules and more! Multiple servers can be run at the same time! No root needed, exceptionsmentioned below.

**Over 16 network tools!**Server limitations:
- VNC Server: doesnt work on most devices.
- CVS, Email, PHP, Lighttpd, MySQL Server: one instance of this type can be run at the same time.
- ARM based: PHP, Lighttpd, MySQL, CVS, Rsync, VPN, Port forward, MySQL monitor, Traceroute
- Root needed: Port forwarder, VNC, VPN

**Includes a PHP Server!**

Note:
- The permissions for receiving and sending SMS are for the optional SMS Gateway Server.

**Light or dark Holo theme!**

A few general features:
- Encryption for settings and password login support!
- Tasker and Llama support!
- Start / Stop servers using WIFI / SMS / call / power or cronjob rules! Or use the 'Trigger Server' for more!
- Set a port, network interface to listen on, backlog, logging (to file), etc. And if rooted set a port below 1024.
- Widget support!
- A lot more!

**Change your device to a NAS Server, dedicated server and/or honeypot!**

Network tools:
- Remote Control Client
- Simple shtaccess editor
- Connectability
- IP Calculator (IPv4 / IPv6)
- Port Scanner
- MySQL Monitor
- Whois
- Raw socket (TCP / UDP)
- Command line
- Ping
- Network speed
- HTTP Headers
- Wake On LAN (WOL)
- Lookup (DNS, IP, Host, Mac to Vendor)
- Traceroute
- UPnP Port Mapper

**Remote control support!**

Servers:
- CVS Server
- DC Hub Server (Direct Connect Hub)
- DHCP Server
- DHCP Proxy Server
- DHCP Relay Server
- DLNA Server
- DNS Server
- DNSMasq Server
- Dynamic DNS Updater: DDNS services ChangeIP, DNSdynamic, DNSexit, DNSMadeEasy, DNS-O-Matic, DNSPark, DtDNS, DynDNS, easyDNS, eNom, HE.net, Joker, Namecheap, No-IP, ZoneEdit
- eDonkey Server
- Email Server: POP3, SMTP
- FTP Proxy Server
- FTP Server
- FTP Root Server
- FTPS Server
- FTPES Server
- Flash Policy Server
- Git Server
- Gopher Server
- HTTP Proxy Server
- HTTP Snoop Server
- ICAP Server
- IRC Bot
- IRC Server
- ISCSI Server
- Icecast Server
- Load Balancer Server
- LPD Server (Printer Server)
- MQTT Server
- Memcached Server
- MongoDB Server
- Multicast DNS Server (Bonjour)
- MySQL Server
- NFS Server
- NTP Server
- NZB Downloader Client
- Napster Server
- PHP Server and Lighttpd Server (optional PHPMyAdmin and more)
- Port Forwarder
- Proxy Server
- PXE Server (Network Boot)
- Remote Control App Server
- Rsync Server
- RTMP Server
- RTMP Proxy Server
- SMB / CIFS Server (Samba)
- SMPP Server
- SMS Gateway
- SOCKS Server
- SSH Server
- SCP Server
- Server Monitor
- SFTP Server
- SIP Server
- Stomp Server
- Styx Server
- Syslog Server
- TFTP Server
- Telnet Server
- Test Server: Echo, Discard, CHARGEN, QOTD
- Time Server
- Trigger Server
- Unison Server
- UPnP Port Mapper
- VNC Server
- VPN

Useful for penetration testing, IT specialists, students and more!
Visit us on: http://www.icecoldapps.com/

Technical Details
Size: 6.8MB
Version: 6.3.10
Application Permissions:
Enter Wi-Fi Multicast mode
Send SMS messages
Write to external storage
Access information about Wi-Fi networks
Monitor incoming SMS messages, to record or perform processing on them
Call killBackgroundProcesses(String)
Read only access to device state
Get notified that the operating system has finished booting
Open network sockets
Change Wi-Fi connectivity state
Allows verification of Google app Entitlements
Access the vibration feature
PowerManager WakeLocks to keep processor from sleeping or screen from dimming
Access information about networks
Minimum Operating System: Android 2.1


Apps Deals

Amazon Coupons
g: -1 Posted By: ksala
Views: 261 Replies: 1 https://www.groupon.com/deals/kidz-can-design-8-17-san-francisco

Kidz Can Design is offering a discount on a sterling silver pendant through Groupon.
You can submit your name, a word, and even add a few swirlies, then have it delivered to you as a silver pendant.

Get your art on in silver...

I do not know if this includes shipping or not - log in to find out. I'm having problems with my creds at the moment.
Jewelry Deals

Groupon Coupons
$24.99 for a custom steriling silver "signature" pendant
Added on : Friday August 15th 2014 03:00:06 AM
g: 0 Posted By: ksala
Views: 4 Replies: 0 https://www.groupon.com/deals/kidz-can-design-8-17-san-francisco

Kidz Can Design is offering a discount on a sterling silver pendant through Groupon.
You can submit your name, a word, and even add a few swirlies, then have it delivered to you as a silver pendant.

Get your art on in silver...

I do not know if this includes shipping or not - log in to find out. I'm having problems with my creds at the moment.
g: 0 Posted By: zmaster
Views: 100 Replies: 0 Save 100% when you buy any ONE (1) 3 oz. box of JELL-O Gelatin Dessert. Check back every Friday for a new Freebie!
Expires 8/17/2014
One time use only

I remember they were on clearance few months back at CVS, may be they don't carry any longer. I could be wrong, need to check.
SavingStar Deals
PayPal Dispute Issue
Added on : Thursday August 14th 2014 10:00:15 AM
g: 0 Posted By: vishalj77
Views: 96 Replies: 6 I'm having some trouble with PayPal disputes recently - over international deliveries to certain countries. I have had 3 disputes so far in which all the items were delivered, but they took 45 to 60 days for delivery.. and the recipients would open a dispute within 4-5 days of shipment. I would let PayPal know every time that they should wait for a few weeks and then make a decision (yeah right) but they close the dispute and refund the payment to the buyer.

I have insurance on all packages, but the insurance company has denied all claims, because tracking shows they were delivered. I filed an appeal with PayPal (after a dispute has closed, you can file an appeal if the shipment status changes) and I've 'won' all the appeals - but this is the outcome of the appeal -

Status
After careful review of the new information you provided, your appeal has been granted.

What happens next
Please contact the buyer to have the refund issued from your account returned to you."

What's the point of an appeal if PayPal doesn't reimburse the seller? Do they really think a buyer is going to return the money or the product?

What would fellow FWFers suggest in this case? Small claims? I have emailed their executive team multiple times and have received no response.
Personal Finance Deals
Best Budget Brokerage?
Added on : Thursday August 14th 2014 10:00:14 AM
g: 0 Posted By: caveman017
Views: 42 Replies: 0 Been using Options House and Trade King but am thinking of consolidating down to one. I (at the moment) just trade stocks on occasion with about $15k of "play" money (money I can afford to lose), although am thinking of putting cash into a money market account. All mutual fund transactions are through Vanguard where my IRA's are held as well.

I only hold about $3k in stocks at the moment as I cashed out of my short term gains a few months back and haven't been following the market much as I've got a new job. I don't think either of these offer money markets funds, do they?
Investing Deals
Dispute with Auto Dealer - Advice Needed
Added on : Thursday August 14th 2014 09:00:08 AM
g: 0 Posted By: cak144
Views: 38 Replies: 2 I have a dispute with an auto dealer over a pricing issue. The dealer is located 150 miles from me. Here is a condensed version of what transpired. They had a demo car advertised on their website for a certain price. I spoke over the phone to a salesman and told him that I wanted to purchase that specific vehicle. I told him that I lived 150 miles away and would be coming to pick up the vehicle the next day around 3 pm. He said that the vehicle would be waiting and ready for me at that time. Nothing was mentioned about selling the vehicle at anything other than the advertised price. I arrived at the dealership around 3 pm, met the salesman, and waited at his desk while he went back to the general manager's office where I saw him and 2 other men talking. After waiting at the salesman's desk for 20 minutes or so, I went back and asked if there were any problems. A gentleman came up to me, introduced himself as the general manager, and said that they were checking to make sure that all the rebates were compatible but that everything checked out. The salesman and the second gentleman came out shortly thereafter and started writing down some figures, coming up with a final price that was $1,000 higher than advertised on the website. I had a printout of the price on the website and showed it to him. He said that the vehicle in question had 2,010 miles on it for which General Motors would give the dealer an allowance of $500 but that the additional $1,000 would only be given once the vehicle reached 5,000 miles. I won't go into all the gory details of what transpired between myself and this gentleman and later the general manager, but it got a little heated. They never once said that this was a price mistake, only that they couldn't sell it at the advertised price because it didn't have 5,000 miles. In fact, in response to my question about why they advertised it for a lower price than they intended to sell it for, the general manager said, "because if we did, we wouldn't get anybody to come into our dealership". I went ahead and purchased the vehicle anyway because I had driven 150 miles and it was still slightly less than I could purchase it for locally - plus I intended to contest the issue with General Motors, etc once I got home.

I did complain to General Motors and wound up getting a $500 certificate for accessories. I went ahead and took it (even though I couldn't have cared less about getting $500 worth of accessories) since I figured that it might be the best that I could do. I also complained to the BBB who acted as an intermediary in several back and forth exchanges between the dealership and myself in which the dealership admitted no fault. I have a signed arbitration agreement with the dealer with the BBB as the arbitrator so I filed for arbitration. However, the dealership responded that they had no desire to submit to arbitration. Since they won't agree to arbitration, I next plan to sue them in small claims court and probably ask for treble damages since it was a willful act on their part to falsely advertise. Question - do I need to file in the dealership's jurisdiction or can I file in my jurisdiction? Both are in Illinois. Just for good measure, I will also probably file a claim with the Federal Trade Commission for a violation of the truth in advertising law.

I tried to make this as condensed as possible but it was hard to lay out all the pertinent information in fewer words. Any advice on this or a different course of action would be appreciated.
g: 0 Posted By: GKLM0709
Views: 107 Replies: 0 http://www.scoredone.com/products/nike-legend-mens-short-sleeve-...

www.scoredone.com is selling the men's Nike legend top for only $11.00 with $5.00 shipping. They normally go for around 21-25


I'm in for a few!
Clothing Deals
Best 0% APR for Purchases (International Travel)
Added on : Wednesday August 13th 2014 10:00:08 AM
g: 0 Posted By: CorradoJr
Views: 158 Replies: 0 Over the next 6-8 months, I will be travelling and knocking a few places off my bucket list. The goal is cost-conscious travel with a few "extras" thrown in. Typically I stay at smaller B&B/independent hotels, and like to go fairly far off the beaten path for a US traveler (Thailand, Iceland, Finland, Chile, Zambia, etc.).

I am seeking a card that offers a long 0% APR rate on purchases, and don't think a Airline Miles/Hotel partner card is worth it due to the fact that I will be using various air carriers to go around the world and not staying at "corporate" type hotels.

Citi Simplicity and Capital One Quicksilver look to have pretty good 0% APR rates on purchases. The goal is to pay off my trip in 12 months (or whenever the 0% expires) making the monthly mininum payment. While I'll make the airline purchases and hotel reservations in USD beforehand, the Capital One card sounds good once I am overseas as they do not incurForeign Transaction fees.

Any other ideas?
Credit Deals
g: 0 Posted By: bigredbear
Views: 156 Replies: 0 Cole Haan is offering an additional 58% off sale merchandise when you combined code EXTRA40 with a stack-able 30% off GiltCityCole Haan coupon.To get the deal, you need to visit the GiltCitysale pageand RSVP - the GiltCity coupon will hit your inbox a few hours later.
I just picked up a sweet pair of drivers for 70%+ off retail #winning

HAPPY SHOPPING!
Clothing Deals
g: -1 Posted By: PowerLifterUSA
Views: 207 Replies: 0 http://www.pipingrock.com/argan-oil/argan-oil-moroccan-100-pure-organic-liquid-gold-4970​

Lowest price I could find by 6 bucks.

A must-have for your skin!
Called "Liquid Gold" in the beauty industry
Acts as an ultra-moisturizing agent for the entire body**
An antioxidant-packed oil great for hair and skin**
Absorbs quickly and nourishes the skin and hair**

=inheritIngredients:100% Pure Moroccan Argan Oil.=inheritDirections:Skin: Apply a few drops on cleansed face morning and/or evening. Gently massage into the skin.
Hair: Apply a few drops on ends of hair while wet or dry. Use sparingly.
Nails: Massage a few drops into nails and cuticles.
Health Deals

Piping Rock Health Products Coupons
Nokia Lumia 520 GoPhone - $39.99 FS @ Amazon
Added on : Tuesday August 12th 2014 09:00:03 PM
g: 1 Posted By: Xenocrates
Views: 199 Replies: 0 Nokia Lumia 520 GoPhone- $39.99 FS @ Amazon

This is$10 cheaper than this+12 dealfrom a few weeks ago.

4" Display (800 x 480 PPI: 235)
Dual Core 1.0 GHz (Qualcomm 8227)
5 MP Rear Camera
Windows Phone 8


4 / 5 Stars with 1396 Customer Reviews
Cell Phones Deals

Amazon Coupons
Battlefield 3 + Premium 70% off at Origin
Added on : Tuesday August 12th 2014 04:00:04 PM
g: 0 Posted By: sswu
Views: 257 Replies: 0 Origin link

This is a good opportunity for those who got Battlefield 3 for free afew months ago. The Premium Servicepack is on sale for $8.99.

"Battlefield 3 Premium includes expansion packs Back to Karkand, Close Quarters, Armored Kill, Aftermath, and End Game. If you buy Battlefield 3 Premium, these should be accessed through the Battlefield 3 Game Details page on Origin at no extra charge. *Requires Battlefield 3 to play."

For those who don't have the base game yet, you can get the Premium Editionfor $11.99 which includes both the base game and the Premium Service pack. The base gameis also on sale for $5.99 by itself.

Don't forget FW Cash Back.
Video Games Deals

Origin powered by EA Coupons
Palmetto State Armory PSA Free shipping over $100 through Thursday
Added on : Tuesday August 12th 2014 01:00:05 PM
g: 0 Posted By: Brew
Views: 316 Replies: 0 Palmetto State Armory (PSA) is having free shipping on any order over $100 through this Thursday. And, unlike normal, they have quite a few clearance firearms that are still available. For example you can pick up a Taurus PT111 G2 9mm for $239 shipped to your FFL. Or a Sig Sauer P938 for $499

Yes, they take their sweet time on shipping, and sometimes the CS is not the best, but many of their deals are hard to beat if you can wait a couple weeks for the shipping.

http://palmettostatearmory.com/index.php/
Guns & Ammo Deals
Talbots: Extra 60% Off Sale Items
Added on : Tuesday August 12th 2014 04:00:02 AM
g: 0 Posted By: ShoppingChick
Views: 240 Replies: 0 Talbots has an Extra 60% Off Sale Itemswith $8.00 flat rate shipping.


A few notable items:

Pima Cotton Double V-Neck Tee- $7.99
Jersey Knit Flyaway- $9.99
Pintucked V-Neck- $11.99

Clothing Deals

Talbots Coupons
g: 0 Posted By: jasclark
Views: 160 Replies: 1 http://www.staples.com/Chef-Buddy-Non-Stick-Grill-and-Panini-Pre...

Reg : $84.99PRODUCT DETAILSThe Chef Buddy's Non-Stick Grill and Panini Press is perfect for taking boring meals and making them gourmet in just minutes!Take that boring turkey and cheese sandwich and give it just 5 minutes in the Chef Buddy Non-Stick Grill and Panini Press. Now you are looking at a tasty treat with crispy edges, crunchy bread, steaming meat and melted cheese. Doesn't that sound better than scraping the soft bread off of the roof of your mouth? Why else would all the major sandwich chains offer you toasted sandwiches these days? Well now for the cost of only a few of those fast food sandwiches you can make them at home for years to come, with truly fresh ingredients that you saw cut. Not meats and veggies that have been setting out all day and who knows how many days before that. But wait, there's more! The Chef Buddy? Non-Stick Grill and Panini Press also grills meats. Perfect for ham steaks or sausage patties for breakfast, along with pork chops for dinner or throw a chicken breast in there and chop it up for a great lunch salad.

Non-Stick Inside For Easy Cleanup
Grill Meats or Make a Perfect Panini
Modern Brushed Steel Finish
Dual Heating Zones for Faster Cooking
Advanced Grease Channeling System: Grease Flows Away While It Cooks
Side Lock to Press Sandwich or Meat
10.75 X 6.75 Inch Grilling Surface
33 Inch Power Cord with Storage Area
Dimensions: 12.25"(W) X 4.25"(H) X 11"(D)

Appliance Deals

Staples Coupons
Capital One - Worst teller experience of my life
Added on : Monday August 11th 2014 01:00:07 PM
g: -2 Posted By: deeder
Views: 91 Replies: 4 Was banking at Capital One. Went into teller to deposit some cash and a check. A transaction which should have taken a few minutes tops took much longer. There were no deposit slips, just withdrawl slips all over so I ask teller if I can make a deposit telling her I don't see any deposit slips. Teller is like oh sorry we see your account has been blocked. And insists on having me mobile deposit the check in branch and had me deal with another person in the branch.

Very unfriendly experience. Service in past was acceptable. Nothing great but actually better than my experiences dealing with other institutions.

With all the banks around, not sure which other one to choose. I hear bad things on all of them combined. But which of the local NYC banks is the least evil where I can deposit CASH + Checks and do more complex international transactions?

TDBank has $100 min checking but seems to have loads of complaints. Citibank was horrific even though it was large. Same for HSBC.

Any suggestions on which the least evil one to use is? I keep funds in a high yielding APY account that is separate for higher yielding returns and a free checking account for local branch access.

Is TDBank which has the longest teller hours actually that bad where they will find a way to fee you hard or keep funds on hold?
Discussion Deals
TDBank 5% back [eta: on categories, lame]
Added on : Monday August 11th 2014 12:00:06 PM
g: 0 Posted By: TheDragonn
Views: 91 Replies: 3 link TDbank.com/cash100

Edited: 5% back on a few categories... you also get $100 cb if you hit 500 spend in 90 days. Thought this was 5% on everything - sigh.
Deal Deals
Union Plus Prepaid Savings Account - 5.1% APY
Added on : Monday August 11th 2014 09:00:10 AM
g: 0 Posted By: MoogLiberation
Views: 32 Replies: 0 I searched and didn't find any threads that had answers to my questions and I just figured I'd throw them out there to the group. I'm looking to open an account with Union Plus and I have a few questions before I do so:

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

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

If I decide not to do the DD and just eat the monthly fee, is there anything I have to do (like a small DD) just to keep the account active and open? Thanks.
RUUM Coupon: Extra 15% Off Purchase + Free Shipping
Added on : Monday August 11th 2014 09:00:05 AM
g: 0 Posted By: ShoppingChick
Views: 238 Replies: 0 RUUM has an Extra 15% Off Purchase with coupon code WELCOME15 plusfree shipping.

A few notable items:

Girl PlushBunting - $6.99
Baby Crib Shoe - $1.99
Vintage Boy's Stripe Polo - $5.24
Peplum Graphic Tank - $5.99
Shop more sale items

Clothing Deals

RUUM American Kids Wear Coupons
Enterprise $9.99 Weekends Are Back
Added on : Monday August 11th 2014 05:00:07 AM
g: -1 Posted By: critter017
Views: 249 Replies: 0 Enterprise has posted their weekend deals again for Sept 2014 thru May 2015:
http://www.enterprise.com/car_rental/deeplinkmap.do?
Found a few cities showing "Sold Out" for the deal, but found others that offered the Special.
Be interested to hear from others about what they found.
Perhaps one will need to keep checking back in case they release more cars for the Special.
Car Rental Deals Deals
g: 0 Posted By: bittul
Views: 103 Replies: 0 Click here to activate.

A few great deals are:

Pert Plus Shampoo/Conditioner. Less than $2 for 2*13.5 oz, and/or $4 for 2*25.4 oz.

http://www.drugstore.com/pert-plus-2-in-1-shampoo-and-conditione...
http://www.drugstore.com/pert-plus-2-in-1-shampoo-and-conditione...
http://www.drugstore.com/pert-plus-2-in-1-shampoo-and-conditione...


Also, Oral-B professional toothbrushes.

3000 series: $55: http://www.drugstore.com/oral-b-professional-care-3000-power-too...
5000 series: $77: http://www.drugstore.com/oral-b-professional-care-smartseries-50...
7000 series: $110: http://www.drugstore.com/oral-b-precision-black-7000-electric-to...

48 Natural Ice Lip protectants = $24: http://www.drugstore.com/user/promo.asp?promoid=153401&trx=29932&trxp1=153401

Many more great deals, like the Olay Scrubs etc. (don't have time to put together a complete list now, sorry).

Find a good deal? Post it!
Health & Beauty Deals

drugstore.com Coupons
g: 0 Posted By: jskins
Views: 325 Replies: 0 Men's Colognes- Under $40 (Up to 80% Off) with Free Shipping at eBay Deals powered by Foreverlux.

A Few Notables:

Nautica Blue/Classic- $9.99
Burberry Touch- $26.99
Dolce & Gabanna Pour Homme- $36.99
Gucci Guilty- $36.99
Kenneth Cole Reaction- $23.99

Beauty Deals

eBay Coupons
SoCalif Vons Market BTS School Supplies Week of 08/10/14
Added on : Sunday August 10th 2014 02:00:05 PM
g: 0 Posted By: DaysFan
Views: 240 Replies: 0 http://www.vons.comRoom Essentials1.99 to 8.99 Club PriceSelected varieties.While Supplies Last.http://weeklyspecials.vons.com/SafewayVons08102014VonsSunday/items/large/03_VON32_SUN_V3_V16_WEB_IT-00--1.jpgPapermate Pink Pearl Erasers
$1.00
3-ct. Selected varieties.Notebook
$1.00
100 to 150-page. College Ruled. Selected varieties.Elmer's Glue$1 Club Price4-oz. Selected varieties.
$1.00
Composition Book
100-page. Selected varieties.Lunch Bags6.99 to 8.99 Club PriceSelected varieties.http://weeklyspecials.vons.com/SafewayVons08102014VonsSunday/breakouts/b1057815_6.jpg
Office Max
Filler Paper College Ruled
$1 Club Price
100-page. Selected varieties.
While Supplies Last.Price Valid 8/10/14 - 8/12/14 Filler Paper Wide Ruled
$1 Club Price
100-page. Selected varieties.
Georgia PacificCopy Paper
$3 Club Price
500-ct. page Selected varieties.
http://weeklyspecials.vons.com/SafewayVons08102014VonsSunday/breakouts/b1057815_8.jpg
Crayola Colored Pencils
BUY 2 GET 1 FREE Club Price
12-ct
.EQUAL OR LESSER VALUEPrice
Valid 8/10/14 - 8/12/14 Crayola Colored Markers
BUY 2 GET 1 FREE Club Price
10-ct.
EQUAL OR LESSER VALUEPrice Valid 8/10/14 - 8/12/14 Crayola Colored Crayons
BUY 2 GET 1 FREE
Club Price
24-pack
EQUAL OR LESSER VALUE
Price Valid 8/10/14 - 8/12/14
BIC Brite Liner$3 Club Price5-ct. HighlightersPrice Valid 8/10/14 - 8/12/14 BIC Pens$3 Club Price12-ct. black or blue pens.


Office & School Supplies Deals

Vons Coupons
g: 0 Posted By: jskins
Views: 81 Replies: 0 Men's Colognes- Under $40 (Up to 80% Off) with Free Shipping at eBay Deals powered by Foreverlux.

A Few Notables:

Nautica Blue/Classic- $9.99
Burberry Touch- $26.99
Dolce & Gabanna Pour Homme- $36.99
Gucci Guilty- $36.99
Kenneth Cole Reaction- $23.99

Beauty Deals

eBay Coupons
g: 0 Posted By: ctgolfer
Views: 110 Replies: 0 comes with FREE Webroot Secure Anywhere - 3-Device - 6 Months - Mac\/Windows

All-in-one design saves space and cuts clutter
A full computer is housed inside the monitor, so you get all the power of a PC in a streamlined design that involves fewer cables and takes up less space on a desk, table or kitchen counter.
23" Full HD 5-point multitouch screen
Optical image sensors pinpoint where you touch. Native 1920 x 1080 resolution boasts impressive color and clarity. IPS technology offers wide viewing angles. Energy-efficient LED backlight.
AMD A6-5200 accelerated processor
Quad-core processing. AMD Quad-Core A6 APU handles the AMD Radeon graphics alongside the central processor to balance the load, enabling great performance, rapid multitasking and immersive entertainment.
8GB system memory for advanced multitasking
Substantial high-bandwidth RAM to smoothly run your games and photo- and video-editing applications, as well as multiple programs and browser tabs all at once.
SuperMulti DVD/CD burner
Reads and writes to a wide variety of media formats, including DVD+R/RW, DVD-R/RW, CD-R/RW, DVD-RAM and double-layer DVD.
1TB hard drive for ample file storage space
Holds a significant collection of digital photos, music, HD videos and DVD-quality movies. 7200 rpm spindle speed enables rapid read/write times for handling large files and complex applications.
Cloud support lets you access your files anywhere
Store your photos, videos, documents and other files on Box for secure access across multiple devices. Fees may apply.
Built-in HD webcam with microphone
Makes it easy to video chat with family and friends or teleconference with colleagues over Skype or other popular applications.
Built-in media reader for simple photo transfer
Supports Secure Digital, Secure Digital High Capacity, SDXC, Memory Stick, Memory Stick PRO, Memory Stick Select and Memory Stick MagicGate memory card formats.
2 USB 3.0 ports maximize the latest high-speed devices
Also includes 4 USB 2.0 ports to connect more accessories and peripherals. The USB 3.0 ports are backward-compatible with USB 2.0 devices (at 2.0 speeds).
Wireless and wired network connectivity
Built-in high-speed wireless LAN connects to your network on the most common Wi-Fi standards. Gigabit Ethernet LAN port plugs into wired networks.
Easel design with cantilever stand
Display tilts from 10 to 25 so you can find a comfortable viewing angle.
Wireless keyboard and wireless mouse reduce cable clutter
Island-style keyboard features chiclet keys, volume control and dedicated hotkeys. Mouse offers reliable optical tracking. Their cordless designs provide a range up to 32' or more.
Microsoft Windows 8 operating system
Designed for touch, mouse and keyboard, so you can choose how you get around. Use the touch screen to easily zoom and customize your new Start screen, or restore the familiar Windows desktop experience.
Multimedia software package included
CyberLink PowerDirector, YouCam and PhotoDirector. DTS Sound+.
Built-in stereo speakers
DTS Sound creates a virtual surround sound experience for your music, movies, streaming Web content and games.
Additional ports
Microphone input. Headphone output. Audio port.

www.bestbuy.com/site/hp-pavilion-23-touch-screen-all-in-one-comp...
Desktop Computer Deals

Best Buy Coupons
g: 0 Posted By: remick
Views: 79 Replies: 0 http://www.amazon.com/gp/product/B00422LGFK

Exploring With GPS presents a practical approach to using the Global Positioning System in the outdoors using mapping GPS receivers, digital topographic maps, and satellite imagery. The book uses realistic scenarios and plenty of screen shots and photos to show you how to find your way in the backcountry quickly and easily. This book is for hunters, rescue teams, hikers, mountain bikers, anglers, geocachers, backpackers, cross-country skiers, snowshoers, boaters, and everyone who uses recreational GPS in the outdoors.

Using GPS, anyone, anywhere on Earth, can find their position within a few feet using an inexpensive hand-held GPS receiver. That simple ability has completely revolutionized every field that uses positioning, navigation, and timing information, including outdoor recreation. Not only can you find your way through the wilderness with unerring precision regardless of weather, location, or time of day, you can work with computers and the World Wide Web to plan your outdoor adventures from home. You can record our trip in the field, download it to a computer, attach labels, graphics, elevation profiles, comments and photos, and then share it with friends or publish it for all to see on the Internet. As a result there is a rapidly growing amount of free trip and backcountry information on the Web. This book shows you how to tap into this remarkable capability to make your own outdooradventures safer and more enjoyable.

This book is revised frequently to keep up to date with the latest advances in GPS and mapping. The author welcomes reader reviews and comments.

Contents:
Introduction
First Things First
Getting Back
Plan Ahead
On the Road
Hitting the Trail
Snow Bound
On the Water
Share Your Trip
Treasure Hunting
The Complete Navigator
Pitfalls
What to Buy
Get Set
How It Works
Into the Future
About the Author
Books & Magazines Deals
g: 0 Posted By: KidCharliemain
Views: 147 Replies: 0 Summer clearance time at Lord & Taylor, they have lots of nice items but this post will focus on mens sport coats & blazers. Discount code AUGUST takes 25% off clearance items and 15% off regular priced & sale items with quite a few EXCLUSIONS,but as far as I can tell the code works on all the items I'll be posting here. Free two day shipping with Shoprunner, if you don't have Shoprunner L&T gives free standard shipping on orders $99 and up. All sizes mentioned in stock at time of posting, listed in no particular order. Even though I try and stay away from acrylics and man-made fabrics, I'll include them for completeness. Brand name in caps, sizing information available on linked pages:

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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


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

LINK & TAYLOR

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

Lord and Taylor Coupons
g: 0 Posted By: ShoppingChick
Views: 369 Replies: 3 Macy's has Kenneth Cole Reaction Men's Suitsstarting at $99.99 with free shipping.

A few notables:

Kenneth Cole Reaction Suit Black Mini Stripe Slim Fit- $99.99
Kenneth Cole Reaction Tan Tick Suit Slim Fit- $99.99
Kenneth Cole Reaction Suit Light Grey Solid Slim Fit- $99.99
Unlisted by Kenneth Cole Black Striped Trim-Fit Suit- $149.99

Clothing Deals

Macy's Coupons
Kenneth Cole Reaction Men's Suits - Starting at $99.99 @ Macy's
Added on : Friday August 08th 2014 09:00:06 AM
g: 0 Posted By: ShoppingChick
Views: 206 Replies: 0 Macy's has Kenneth Cole Reaction Men's Suits starting at $99.99 with free shipping.

A few notables:

Kenneth Cole Reaction Suit Black Mini Stripe Slim Fit- $99.99
Kenneth Cole Reaction Tan Tick Suit Slim Fit- $99.99
Kenneth Cole Reaction Suit Light Grey Solid Slim Fit- $99.99
Unlisted by Kenneth Cole Black Striped Trim-Fit Suit - $149.99

Clothing Deals

Macy's Coupons
Lifetime 7' x 7' Storage Shed $534.73 AC YMMV at Lowes.com
Added on : Friday August 08th 2014 08:00:03 AM
g: 0 Posted By: DDoubleyou
Views: 178 Replies: 0 Link


Price shows $699.00, but if they have it in your area the price drops to $594.15 then use code 470000000021460 for an extra 10% off..

As of posting 1 available in Saratoga Springs, NY Zip 12866.. Spot checked a few areas such as 02134 and found some stores also had it..

Great price on a decent sized shed...


Home & Garden Deals

Lowe's Coupons
Starting a new App Business, Delaware or Maryland?
Added on : Friday August 08th 2014 05:00:07 AM
g: 0 Posted By: technolich
Views: 30 Replies: 0 So I'm in the process of starting a new LLC for an App I am working on with two partners that we are planning to launch in a few months.

Currently I live in Maryland with my partners both being in Virginia, I am trying to figure out whether to incorporate as an LLC in Maryland or Delaware.

From everything I've read Delaware is more business friendly but the drawback is that for most companies you need to register as a foreign entity in Maryland.

Would that still apply as an App company? Can't I just get a PO box in Delaware with mail forwarding so that I can get a business bank account in Maryland?

How much trouble would I get in for promoting my App in Maryland without a foreign entity certificate? They seem pretty expensive and make you jump through a bunch of hoops.

Should I just incorporate the LLC in Maryland? I see a lot of back and forth about incorporating in the state you reside versus Delaware and neither seem to have an edge, even though most businesses are in Delaware.
Best rates for balloon-type auto loan like PenFed Payment Saver?
Added on : Friday August 08th 2014 04:00:10 AM
g: 0 Posted By: AccelJunky
Views: 106 Replies: 1 Good morning,

My wife and I are trying to work the numbers on a his and hers car purchase (we are both in need of new ones) and I've used the PenFed payment saver balloon-type loan several times in the past with success...but I'm trying to do a little research on any alternatives that use the same model but with a better rate.

Right now they are doing 2.49% for up to 60mo on the payment saver. I've found a few obscure credit unions offering a similar balloon auto loan but with higher rates and with mileage limits.

I'm curious...has anyone seen anything recently like the PenFed deal but with a more competitive rate? I'm still busy digging through the corners of the internet but thought I would ask here to see if anyone has seen anything recently.

Thanks!
Personal Finance Deals
g: 1 Posted By: jeffwastaken
Views: 220 Replies: 0 i found this offer under the "amex offers for you" tab towards the bottom right of my blue cash homepage.

if you charge $25 or more either online or in-store by 9.2.14 you will receive a $5 amex statement credit; the terms do not exclude using the $5 off $15 or more or 20% off a single item coupons that most of us get in the mailbox every few weeks.

e-gift card purchases are excluded from this offer; no apparent exclusion of in-store gift cards.

i hope most or all of you find the offer!
Bedding Deals

Bed Bath and Beyond Coupons
Methodology used to calculate FICO scores changing
Added on : Thursday August 07th 2014 08:00:04 PM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 0 A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans.

Fair Isaac Corp. FICO -1.19% said Thursday that it will stop including in its FICO credit-score calculations any record of a consumer failing to pay a bill if the bill has been paid or settled with a collection agency. The San Jose, Calif., company also will give less weight to unpaid medical bills that are with a collection agency.

The moves follow months of discussions with lenders and the Consumer Financial Protection Bureau aimed at boosting lending without creating more credit risk. Since the recession, many lenders have approved only the best borrowers, usually those with few or no blemishes on their credit report.

As of July, about 64.3 million consumers in the U.S. had a medical collection on their credit report, according to data from credit bureau Experian. And of the 106.5 million consumers with a collection on their report, 9.4 million had no balanceand won't be penalized under the new credit-score system.

FICO Recalibrates Its Credit Scores

Interesting... looks like lenders are running out of people to loan money to and reaching into the bottom of the barrel.

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
Credit Deals
g: 0 Posted By: UkeDoggie
Views: 99 Replies: 0 Continuing Lowe's closeout of 18V cordless Porter-Cable tools (which run on both the 18V NiCad or 18V Li-Ion batteries), we have:
Porter-Cable 18-Volt Variable Speed Cordless Reciprocating Saw, Model #PC18RS, Lowes item #37604 Good reviews!
(Note: Bare tool only; battery not included)
With a few stores listing it as low as $7.80, others at $15.60, others $31.30, and many at $39.00...as always, a YMMV crapshoot!
Play Battlefield 4 for PC for free for one week - Origin
Added on : Thursday August 07th 2014 01:00:08 PM
g: 0 Posted By: remick
Views: 121 Replies: 0 https://www.origin.com/en-us/news/battlefield-4-game-time-free

Origin Game Time is back! Its time to team up with your friends in Battlefield 4. The massive first-person shooter has joined our Game Time program. New recruits can now download Battlefield 4 to their Origin Game Library and get one full week -- that's 168 hours -- of non-stop action. All Origin users have until August 14 to add Battlefield 4 Game Time to their Origin Game Library.

Origin Game Time for Battlefield 4 is currently rolling out across the world over the next few hours. If you dont see it available in your area yet, you will soon. Youll be able to grab Battlefield 4 on Origin Game Time until August 14 at 10:00 AM PT, but once youve snagged it, you can download the game and start your 168 hour Game Time clock whenever you want.

Game Time for Battlefield 4 is the entire experience, available to play for one entire week. Go ahead, use your 168 hours of Game Time to complete the single-player campaign. Then jump into multiplayer and join your friends in 64-player warfare until the sun comes up again and again and again. Your Game Time clock runs in real-time, whether you're in the fight or taking a break. but your progress and Origin Achievements will be saved if you want to keep your career going after your Game Time ends buy the game and youll pick up right where you left off.

Its easy to start your Game Time. Simply add the game to your game library and download the game. Dont worry about the download times: Your Origin Game Time clock will not begin until youve launched the downloaded game for the very first time.
Totally Free Deals
You'll Be Rich in the Military - in Ways You Don't Think
Added on : Wednesday August 06th 2014 11:00:09 PM
g: 0 Posted By: rachelmark7922
Views: 79 Replies: 0 I hear "You'll never be rich being in the military" all the time, from lower enlisted to command level officers. The military perpetuates the mentality that we don't make that much money. I'd like to argue that we do make a lot, and that the military is an incredible steppingstone to the middle class.

When I got shipped off to boot camp, I was making about $400 every two weeks. I always thought to myself how much more I had made in the civilian world. But I wasn't taking into account what didn't show up in my paycheck. Here are 10 big financial benefits of serving in the military:

Training. Depending on your service and military occupational specialty, you'll get up to two years of training before reaching your first duty station. Much of this training translates straight into college credits -- and it looks great on a rsum.
Retirement. The military is one of the last employers in America to offer retirement plans. After serving a mere 20 years, service members can choose to separate with 50 percent of their base pay every month for the rest of their lives. If they're eligible, they can stay up to 30 years to receive 75 percent of their base pay, and high-grade officers can retire with 40 years to receive 100 percent.
Health care. While serving on active duty, service members and their families (spouse and children) will have free health care through Tricare so they are in the peak physical and medical condition they need for their jobs.
Dental. Dental is free for service members, because good oral hygiene is necessary to maintain a deployable status.
Commissary. The commissary is pretty much just an enormous grocery store, with better-than-WalMart (WMT) prices (most of the time). They also have enormous "lot sales" every so often where they have blowout prices of stuff you actually want.
Basic Allowance for Housing. When you're a low enlisted rank, they'll stick you in the barracks (or dorms in the Air Force). The barracks, as terrible as they may seem at the time, save you so much money it's incredible. Typically, they're in the same parking lot as your workplace, so the commute is eliminated. Utilities are included, too. And you don't need to write a check for rent and worry that you won't have enough money, because the basic allowance for housing is granted to all military members. The allowance also gives you the ability to rent a house off-base or to use base housing.
Tuition assistance. Depending on your branch of service, you could be eligible for up to $4,500 per year toward college classes. By taking full advantage of this, you could have an associates's degree in one enlistment and a bachelor's in two. And don't forget that you could earn college credit for your training through the College-Level Examination Program or Defense Activity for Non-Traditional Education Support.
The GI Bill. Typically used after separation, the GI Bill allows you to go to college at no extra cost to you. During the first year of your service, you will pay $100 per month toward the GI Bill. After that, you owe nothing. Service members can choose among two versions (the Montgomery GI Bill and the Post 9/11 GI Bill), and there is a way to get a few extra free credit hours if you switch between them in a specific way. It's also transferable to your spouse or children, although you need to serve at least four extra years after the election has been made.
Thrift Savings Plan. If a pension plan wasn't enough, military members have access to the retirement savings plan, with a traditional and Roth option. It bases allocations on stock indexes and has extremely low operating costs -- read: very, very low expense ratios.
Veterans Affairs loans. VA loans resemble Federal Housing Administration loans -- with a few awesome advantages. These include no down payment and no mortgage insurance requirement. They also usually let you have access to the best current rates available. And you maintain this benefit for life. Married to another service member? Then you each get your own VA loan to use.
Other benefits include military discounts (thank you business owners!), networking (you'll meet hundreds, if not thousands of people during your tour), experience (management and occupational), VA benefits and free simple income tax filings.

I'm not advocating that you join the military for financial reasons, but I am trying to highlight some of the financial perks that you wouldn't see in your paycheck.
Discussion Deals
Why do people blow money?
Added on : Wednesday August 06th 2014 08:00:09 PM
g: 0 Posted By: timgodsil
Views: 41 Replies: 3 I know I am probably opening a can of worms here, but I cannot fathom the sheer amount of consumerism that takes place today.

I know the economy isn't great and all, but I constantly hear people complaining that they are broke. Yet I peak into the lives of these "broke people" and I notice very few people are actually broke.

To me, if you live on a tight budget, shop at thrift stores, drive a '99 Ford Escort and barely scrape by, then yes, you are broke.

But alot of broke people are not broke as a result of their environment, but as a result of their own actions.

They buy a new car and complain they cannot afford the payments. They dress in fancy clothes, wear Beats Headphones, have 65" flat screen TV's, and $15,000 in credit card debt,

People, financially speaking are very nearsighted, they think it's nothing to blow $3 each morning at Starbucks, not realizing they are spending close to $900 a year on their caffeine fix.

When I went to Chicago this year, I went into a Levi store and saw a simple pair of jeans was $78.00, yes...nearly $80 for a pair of pants, and even worse? People were buying them! My $15 jeans from Kmart work just fine.

Walk into a Rolex store..$7,000, for a ....watch. My $20 casio has kept perfect time for nearly 5 years. Again, same thing, people not blinking at dropping 7-15 grand for a watch.

Call me different, but these people dream of being rich, but you cannot create wealth by spending money. Wealth is created by saving money. Some of the richest people in the world, such as Warrent Buffet, live a very cheap way of life. The richest man in China spends $2 on a pair of shoes.

To me, it's very sickening. I suppose it is your money and you can do what you want with it, but why is the concept of "saving money" no longer commonplace among people? They think as soon as that paycheck hits their bank account, its a shopping spree, spare no expense.

I can see these very same people having little to no money put back for retirement, dipping in their kid's college savings, and working until their 80 to pay off their credit card debt.

I'm 22, and not like most people my age. My dad is almost 65 and people his age know the concept of saving money. Seems like people 30 and under have no understanding of it. "Let's make sure we have the largest flat screen in the neighborhood".

A local subdivision was building houses when I was in Chicago. "Single family homes STARTING at $229,000".

Who in their right mind pays nearly $250,000 for a house? You would be in debt your whole life.

It seems that's how people want to live these days, in the red instead of the green. If they can't afford it, they just charge it. You can never create wealth this way.








Credit Deals
Free copy of Fabrizia Tasca's cookbook, "Coming Home to Sicily."
Added on : Wednesday August 06th 2014 01:00:14 AM
g: 7 Posted By: remick
Views: 780 Replies: 2 http://lamuriwine.com/

LEARN ABOUT LAMRITHE HEART OF SICILYAND GET A FREE COOKBOOK!
Take a few minutes to learn about the Tasca d'Almerita Regaleali estate and Lamri Nero d'Avola and get a FREE copy of Fabrizia Tasca's cookbook, "Coming Home to Sicily."
Totally Free Deals
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/gp/product/B00C4CF03E/

4.4 out of 5 stars (22 customer reviews)

Understanding DSLR Lenses will painlessly provide help and insight into the often confusing and intimidating world of DSLR Camera Lenses. The ability to change lenses is one of the greatest strengths of the DSLR camera but Lens Selection requires some insight. If you get serious about photography, you will spend much more money on Lenses than Cameras. The good news is that Lenses retain their value over decades and can often be used on with each new camera release. Some Lenses designed for film cameras can still be used on their digital counterparts. A wise Lens purchase will dramatically improve the quality of your images.

Digital Cameras dont have to be intimidating. The underlying principles are surprisingly simple but rarely presented in laymans terms. Like any other area of specialization, photography has its own language. Fortunately, you only need to understand a few of terms and concepts to get started.

This guide to PHOTOGRAPHY BASICS builds a solid foundation of photographic knowledge with easy-to-follow discussions of everything that you need to know in order to get started with confidence. Every photographic term used in the book is clearly defined and thoroughly explained. All terms are also highlighted by using BOLD CAPS so that you can easily find them again to refresh your memory.

This Photographic Guide will take the mystery out of digital cameras, camera choices, and Photographic Jargon.

This book is filled with charts, illustrations and photos that take the discussion to new levels. You will not only understand the terminology and techniques discussed, but you will have a much better understanding of how your camera works and what is actually happening when you make adjustments. The charts and photos should help you to retain what you learn and put it to good use immediately.
Totally Free Deals
g: 0 Posted By: BigBoyMichigan
Views: 0 Replies: 0 Employer Bus Program


Eligiblity Requirements Smart Bus





SmartBus>About Us>Overview>Employer ProgramsEmployer ProgramsSMART Employer Programswill help your business meet your environmental goals, attract job applicants and ease your employees commute to work. See how our Employer Programs can help you.Get A Job, Get A Ride!The Get A Job, Get A Ride! Program helps new employees save on their transportation costs. Eligible participants hired within the past 30 days who are permanent, full time employees can receive acomplimentary31 Day Pass ($66.00 value)to ride SMARTs Fixed Route service. The employer must first enroll in the program and each employee must meet certaineligibility requirements.SMART is experiencing a few technical issues with the Get A Job, Get A Ride Program. If you are having trouble please call 313-223-2349.Click heretologinto Get A Job, Get a Ride!Click heretoregisterfor Get A Job, Get a Ride!Forquestions regarding the Get A Job, Get A Ride! Program can be directed toCustomer InformationorSMARTGJGR@smartbus.org.TransitChek ProgramTransitChekis a program developed to encourage the use of public transportation. Employers can subsidize their employees' bus commuting costs.Employer Benefits

The Program helps recruit new employees concerned with commuting expenses, the difficulty of driving and parking or the lack of transportation.
The TransitChek Program can reduce employee turnover and enhance employee morale.
With TransitChek items, there are no federal or state payroll related taxes to pay, whether the employer offers the Traditional fringe or the Pre-tax employee fringe benefit.

Employee Benefits

Employees will have more choices in how to get to work and how it is paid for. The tax savings or additional benefits lessen the cost of commuting for the employee, no matter how the benefit is offered. TransitChek is a win-win situation for the employee.
By using public transportation, commuters are helping make the environment cleaner and less congested.
Riding SMART means more money in your pocket to spend on other items that are important to

Free Fabrizia Tasca-Lanza Coming Home to Sicily Cookbook
Added on : Tuesday August 05th 2014 10:00:07 AM
g: 0 Posted By: remick
Views: 34 Replies: 0 http://lamuriwine.com/

LEARN ABOUT LAMRITHE HEART OF SICILYAND GET A FREE COOKBOOK!
Take a few minutes to learn about the Tasca d'Almerita Regaleali estate and Lamri Nero d'Avola and get a FREE copy of Fabrizia Tasca's cookbook, "Coming Home to Sicily."
Totally Free Deals
Advice on balance transfer misadvice from the bank.
Added on : Monday August 04th 2014 09:00:06 PM
g: 0 Posted By: inac
Views: 49 Replies: 0 I took out a 0% (August 2014) balance transfer for the first time earlier last year, then took another one at 1.99% (August 2015).I budgeted to pay down the 0% by its expiration date, but it looks like the funds were mostly going into my 1.99% (August 2015). Now that the 0% expiration date has come, it looks like the 1.99% is done, but the 0% still needs to be paid.When I asked a bank agent how this worked a few months ago, they explained that the payment would go towards the first expiring, and they did not mention anything about the one with the higher percentage. I specifically asked about my payments as well. This was through chat, so there's a transcript.

Ideally, I would like the funds to go towards the first expiring, as the bank rep said it should work. However, on looking at the fine print, apparently the caveat went to the one with the higher percentage. So, if that's the case... I'm kind of screwed.Any advice on how to proceed with this?
General Economics Deals
g: 0 Posted By: skunker
Views: 51 Replies: 0 Hi all,
In a few weeks I will be traveling to the Mayo Clinic in Rochester, MN. I have been suffering from some stomach problems that seem to be getting worse and I am going to need consultation from some of the top doctors in the country. What kind of tax deductions are available for medical issues? For example, I'm spending about $500 to stay in a hotel while vising the Clinic. Is there a way to take the edge off that expense? I'm already using a ton of miles and points to fly my mother cross country in order to have her be with me during the procedures.
Revo Polarized Sunglasses Sale - Starting at $49.99 @ Newegg Flash
Added on : Monday August 04th 2014 07:00:11 AM
g: 0 Posted By: ShoppingChick
Views: 200 Replies: 0 Newegg Flash has Revo Polarized Sunglasses starting at $49.99 with free shipping.

A few notable items:

Revo Chasm 4046 Extreme Sporty Half-Rim Polarized Sunglasses (Black)- $49.99
Revo Crux S 4067 Polarized Half-Rim Athletic Sunglasses (Brown)- $49.99
Revo Cut Bank Sunglasses (Black)- $69.99
Revo Guide Sunglasses (Tortise Bronze) - $69.99

Sunglasses Deals
g: 0 Posted By: ctgolfer
Views: 152 Replies: 0 shipping adds $5
The Picnic Time Manta Sun Shelter is portable and compact, but best of all displays your favorite team's logo. Designed to set up in seconds, this open-front tent can be used wherever you might need protection against the sun or wind and has a UPF 50+ rating. It also has a built-in floor to act as barrier to the sand, hot cement, or wet grass. A zippered mesh window allows cross-ventilation. Bring this shelter to the game, beach, or park.

UPF 50+ sun protection rating
Fully-assembled
Easy set-up and take-down
Folds in on itself with a few turns of the wrist
Double-zippered mesh window
Includes carry bag with handles, stakes and tie-down cords
Officially Licensed

Warranty:Limited Lifetime Picnic Time

http://sport.woot.com/plus/picnic-time-manta-shelters
Sports & Outdoors Deals

woot! Coupons
g: 6 Posted By: MoogLiberation
Views: 1260 Replies: 48 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

$60k cash in savings
$0 credit card balance
$7,400 federal student loans at 2.1%. Yeah, that's not a typo. I'm currently just paying the minimum on the balance and just plan on riding it out.
$20k in Roth IRA invested in S&P500 ETF.
$60k in 401k. I just changed this recently to be about 70% invested in short duration taxable bonds, and 30% in an S&P500 ETF.

So what would you guys be doing if you were me? The old me pre-brain cancer would have had at least $50k of that $60k cash that's in my savings account invested in something like an S&P500 ETF but I'm hesitant to do anything that has that kind of risk associated with it now. Please let me know if any other details would help. I think I covered it all.

I'd be grateful for any and all ideas. Thanks guys.

Edit: A few more details:

I was already on short-disability for 3 months while I was receiving and recovering from radiation and chemo. Surprisingly, I was very responsible and elected to pay for the extra long-term disability insurance which pay 60% of my salary.

I have pretty good private health insurance with an out of pocket maximum of $1,650 that I literally hit on January 2nd because I was receiving radiation and chemo at the time. I maxed out my FSA at $2,500 for the year as well.

I have no idea what kind of benefits I would be entitled to through SSA/SSI. Does anyone know how I can figure that out?
Discussion Deals
Aluminum Commercial Stack Chaise Lounge at Sam's $46.81 YMMV
Added on : Sunday August 03rd 2014 03:00:02 PM
g: 0 Posted By: Brew
Views: 123 Replies: 0 My wife has been watching these chase lounge chairs at Sam's all summer. They are normally $120, but if you order on line and pick up in store, the price can be much lower. For giggles I checked the chairs online last night and they were out of stock at my closest Sam's, but when I checked a few more stores, a few had them in stock for as low as $46.81. One store had them for $70, one for $99.

So, a big YMMV, but worth checking the link and check all the local stores in your area. When we went to the store, they were still priced at $120, but had zero issues grabbing a couple and paying the $46.xx from my online receipt. Seem to be pretty good quality, and the reviews are very good. But one negative was that the chairs rub on each other and wear through the paint. We did have this problem with ours, but we aren't too concerned. They are aluminum, so lightweight and no concern about rust. For those in my area, Bloomington, MN had a bunch on hand for the $46.xx, Fridley, MN has them for $48.xx, in stock in a few others, but more expensive. You need to order online and pick up in store, to get the price. You don't pay until you pick up.

http://www.samsclub.com/sams/alum-sling-chaise/prod11740023.ip?s...
Furniture Deals

Sams Club Coupons
HPH Android Tv box 4g ram 32g rom HDMI 2.0 HDMI in 4K $180 shipped
Added on : Sunday August 03rd 2014 11:00:03 AM
g: 0 Posted By: bendetto821
Views: 99 Replies: 0 Ok my first post got deleted because I'm new at this and didn't provide a direct link to place order so here goes:
I'm a tv box junkie with over 10 models testedand a bunch of us are members of the forum freaktab where a few members have already received the lower spec 2g/8g model with good reviews. You have to order thru aliexpress with 30 day lead time(4g upgrade production run) and they don't accept paypal. Even if you add the cost of a square trade warranty its still a good price for those specs.

You have to create an account then place the order with freaktab in order note but don't apply payment yet, they will adjust it to the lower price and you will be sent an email to pay. Here is the link:
http://www.aliexpress.com/item/Android-TV-BOX-with-RK3288-4G-DDR...

~~Hardware Specifications:
CPU Processor: RK3288 28nm Cortex-A17 Quad-Core Processor
Graphics Processor: Embedded Quad-Core Mali-T764 3D GPU, support OpenGL ES1.1/2.0/3.0, OpenVG1.1, OpenCL1.1 and Renderscript, Directx11, 2D GPU support 8Kx8K input, 4Kx4K output
System Memory: LPDDR2 2GB (4G optional)
Storage capacity: 8GB Flash (16B/32GB/64GB optional)
Network: Wireless: Support Wi-Fi 2.4GHz/5GHz 802.11 b / g / n & 802.11 a / c, cable: Support 100M/1000Mbps Gigabit Ethernet Base-T standard.
Bluetooth: Bluetooth 4.0
Storage Expansion: Support MicroSD (TF) card, up to 32GB
Power supply: DC 5V/2A
Operating System: Android 4.4
External Interface
HDMI output: 1xHDMI A-type female, HDMI2.0, support 4K 2K decoder outputs
HDMI input: 1xHDMI A-type female, maximum support 1080P (60HZ) Input
USB Interface: 3XUSB Host, 1XOTG (Micro USB)
Fiber Interface: 1xSPDIF digital audio output
Reader: 1xTF deck
AV and analog audio output interface: 1x3.5mm headset seat
Network Interface: 1xRJ45
Power Interface: 1xDC socket
Antenna: External antenna Wi-Fi
Camera: 5,000,000 AF (optional)
MIC: no noise no echo silicon microphones
Audio Video
Audio formats: support for MP1, MP2, MP3, WMA, WAV, OGG, OGA, APE, FLAC, AAC, M4A, 3GPP and other audio formats, a variety of EQ mode, support synchronous lyrics display lyrics and the whole page
Audio Output: HDMI audio output, left and right channel analog audio output
Video decoding formats: Full video format decoding, support for H.265 hardware decode, support SMPEG-1, MPEG-2, MPEG-4, H.263, H.264, AVS, VC-1, RV, VP6/VP8, Sorenson Spark, MVC
Video encoding formats: H.264, H.265, VP8, MVC (1080P)
Video Output: HDMI output: Ultra HD maximum support 4Kx2K (3840 * 2160), AV Output: PAL system and NTSC system
H.264, H.265 Frame rate: up to 60fps
Picture format: JPG, JPEG, BMP, GIF, PNG, JFIF formats picture browsing, support maximum resolution of 8176 * 8176
EBook Reader: Supports e-book formats TXT, LRC, PDF, Html, Htm, EPUB, etc.
Software expansion: Support Google market, support APK installation
Electronics Deals
g: 0 Posted By: MoogLiberation
Views: 127 Replies: 6 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

$60k cash in savings
$0 credit card balance
$7,400 federal student loans at 2.1%. Yeah, that's not a typo. I'm currently just paying the minimum on the balance and just plan on riding it out.
$20k in Roth IRA invested in S&P500 ETF.
$60k in 401k. I just changed this recently to be about 70% invested in short duration taxable bonds, and 30% in an S&P500 ETF.

So what would you guys be doing if you were me? The old me pre-brain cancer would have had at least $50k of that $60k cash that's in my savings account invested in something like an S&P500 ETF but I'm hesitant to do anything that has that kind of risk associated with it now. Please let me know if any other details would help. I think I covered it all.

I'd be grateful for any and all ideas. Thanks guys.
Discussion Deals
g: 3 Posted By: VivYip
Views: 556 Replies: 5 credit techbargains

TigerDirect has the following items FAR, but shipping starts at $4.30. Shoprunner might help, but I don't see it for the items, though

free shipping (credit mav14)
Memorex DiscRepair Scratch Repair Kit - CD / DVD / Blu-ray - 98836
$9.99 - $9.99 MIRexp 8/3/14

Cooler Master 200mm Case Fan - 700RPM, Red LED (OEM) - RA-FAN-20030-4P
$14.99 - $15 MIRexp 8/6/14

Shoprunner eligible (credit thaitrunghieu)
TP-Link TL-WN723N Mini Wireless N USB Adapter - USB 2.0, 150Mbps, 802.11n
$19.99 - $20 MIRexp 8/10/14

no free shipping
Eastwear Leather Folio Case for New iPad & iPad 2/3/4 - Built-in Stand, Black
$10 - $10 MIRexp 8/2/14

Fit & Fresh CleanTek Filtered Water Bottle - 20 oz., 500 Refills (141FF)
$7.99 - $7.99 MIRexp 8/5/14

Color Research Slim Jewel Case DVD-R 10-Pack - 10-Pack, 16X, 120 mins, 4.7GB, Inkjet Printable
$9.97 - $9.97 MIRexp 8/6/14

Kingwin CFBL-012LB LED Case Fan - 120mm, Blue
$9.99 - $10 MIRexp 8/3/14



note: i will not be doing these rebates because i'm a little hesitant about the rebate processor and personally i don't have much experience purchasing from TigerDirect. However, if you've had good experience with these rebates, by all means go for it. I just have a few bad times with the processor. (to be fair, i've probably done hundreds of rebates, so YMMV)

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

Tiger Direct Coupons
g: 0 Posted By: fewchaboy
Views: 119 Replies: 1 Was searching for an 8-Port Switch and found Frys has been running a rebate offer (Offer #14-94587) on various switches from 7/1/14-9/30/14, and many of them qualify for free shipping.
I bought the FS108NA for $19.99 which is an excellent deal.Following is the breakdown on the qualifying Netgear switches.

DESCRIPTION PRICE REBATE AR [l=FS105NA - FS105 ProSafe 5-Port 10/100 Switch #2645372]http://www.frys.com/product/2645372?site=sr:SEARCH:MAIN_RSLT_PG"]FS105NA - FS105 ProSafe 5-Port 10/100 Switch #2645372[/l] $ 21.99 $ 10.00 $ 11.99 [l=FS108NA - FS108 ProSafe 8-Port 10/100 Switch #2596781]http://www.frys.com/product/2596781?site=sr:SEARCH:MAIN_RSLT_PG"]FS108NA - FS108 ProSafe 8-Port 10/100 Switch #2596781[/l] $ 29.99 $ 10.00 $ 19.99 [l=FS116NA - FS116 ProSafe 16-Port 10/100 Switch #2871304]http://www.frys.com/product/2871304?site=sr:SEARCH:MAIN_RSLT_PG"]FS116NA - FS116 ProSafe 16-Port 10/100 Switch #2871304[/l] $ 58.78 $ 15.00 $ 43.78 [l=FS605NA - FS605 5-Port 10/100 Switch #3333872]http://www.frys.com/product/3333872?site=sr:SEARCH:MAIN_RSLT_PG"]FS605NA - FS605 5-Port 10/100 Switch #3333872[/l] $ 19.38 $ 10.00 $ 9.38 [l=FS608NA - FS608 8-Port 10/100 Switch #3345172]http://www.frys.com/product/3345172?site=sr:SEARCH:MAIN_RSLT_PG"]FS608NA - FS608 8-Port 10/100 Switch #3345172[/l] $ 28.00 $ 10.00 $ 18.00 [l=GS105E-200NAS - GS105E 5-Port Gigabit Plus Switch #8048194]http://www.frys.com/product/8048194?site=sr:SEARCH:MAIN_RSLT_PG"]GS105E-200NAS - GS105E 5-Port Gigabit Plus Switch #8048194[/l] $ 49.99 $ 10.00 $ 39.99 [l=GS108E-100NAS - GS108E ProSafe 8-Port Gigabit Switch #6515913]http://www.frys.com/product/6515913?site=sr:SEARCH:MAIN_RSLT_PG"]GS108E-100NAS - GS108E ProSafe 8-Port Gigabit Switch #6515913[/l] $ 69.95 $ 15.00 $ 54.95 [l=GS116NA - GS116 ProSafe 16-Port Gigabit Desktop Switch #4094232]http://www.frys.com/product/4094232?site=sr:SEARCH:MAIN_RSLT_PG"]GS116NA - GS116 ProSafe 16-Port Gigabit Desktop Switch #4094232[/l] $ 122.99 $ 25.00 $ 97.99 [l=GS116E-200NAS - GS116E 18-Port Gigabit Plus Switch #8048124]http://www.frys.com/product/8048124?site=sr:SEARCH:MAIN_RSLT_PG"]GS116E-200NAS - GS116E 18-Port Gigabit Plus Switch #8048124[/l] $ 154.99 $ 25.00 $ 129.99 [l=GS605NA - GS605 5-Port Gigabit Switch #4094352]http://www.frys.com/product/4094352?site=sr:SEARCH:MAIN_RSLT_PG"]GS605NA - GS605 5-Port Gigabit Switch #4094352[/l] $ 42.99 $ 10.00 $ 32.99 [l=GS608NA - GS608 8-Port Gigabit Switch #4094372]http://www.frys.com/product/4094372?site=sr:SEARCH:MAIN_RSLT_PG"]GS608NA - GS608 8-Port Gigabit Switch #4094372[/l] $ 64.99 $ 15.00 $ 49.99 [l=JFS516-200NAS - JFS516 ProSafe 16-Port 10/100 Fast Ethernet Switch #7848759]http://www.frys.com/product/7848759?site=sr:SEARCH:MAIN_RSLT_PG"]JFS516-200NAS - JFS516 ProSafe 16-Port 10/100 Fast Ethernet Switch #7848759[/l] $ 67.99 $ 10.00 $ 57.99 [l=JFS524-200NAS - JFS524 ProSAFE 24-Port 10/100 Fast Ethernet Switch #7848869]http://www.frys.com/product/7848869?site=sr:SEARCH:MAIN_RSLT_PG"]JFS524-200NAS - JFS524 ProSAFE 24-Port 10/100 Fast Ethernet Switch #7848869[/l] $ 78.24 $ 20.00 $ 58.24 [l=JGS524NA - JGS524 24-Port Gigabit Rackmount Switch #4094262]http://www.frys.com/product/4094262?site=sr:SEARCH:MAIN_RSLT_PG"]JGS524NA - JGS524 24-Port Gigabit Rackmount Switch #4094262[/l] $ 169.99 $ 30.00 $ 139.99 [l=JGS524E-200NAS - JGS524E 24-Port Gigabit Plus Switch #8048104]http://www.frys.com/product/8048104?site=sr:SEARCH:MAIN_RSLT_PG"]JGS524E-200NAS - JGS524E 24-Port Gigabit Plus Switch #8048104[/l] $ 186.99 $ 35.00 $ 151.99
Here is the rebate form.

Networking Deals
g: 0 Posted By: VivYip
Views: 383 Replies: 4 credit techbargains

TigerDirect has the following items FAR, but shipping starts at $4.30. Shoprunner might help, but I don't see it for the items, though

Shoprunner eligible (credit thaitrunghieu)
TP-Link TL-WN723N Mini Wireless N USB Adapter - USB 2.0, 150Mbps, 802.11n
$19.99 - $20 MIRexp 8/10/14

no free shipping
Eastwear Leather Folio Case for New iPad & iPad 2/3/4 - Built-in Stand, Black
$10 - $10 MIRexp 8/2/14

Fit & Fresh CleanTek Filtered Water Bottle - 20 oz., 500 Refills (141FF)
$7.99 - $7.99 MIRexp 8/5/14

Cooler Master 200mm Case Fan - 700RPM, Red LED (OEM) - RA-FAN-20030-4P
$14.99 - $15 MIRexp 8/6/14

Color Research Slim Jewel Case DVD-R 10-Pack - 10-Pack, 16X, 120 mins, 4.7GB, Inkjet Printable
$9.97 - $9.97 MIRexp 8/6/14

Kingwin CFBL-012LB LED Case Fan - 120mm, Blue
$9.99 - $10 MIRexp 8/3/14

Memorex DiscRepair Scratch Repair Kit - CD / DVD / Blu-ray - 98836
$9.99 - $9.99 MIRexp 8/3/14

note: i will not be doing these rebates because i'm a little hesitant about the rebate processor and personally i don't have much experience purchasing from TigerDirect. However, if you've had good experience with these rebates, by all means go for it. I just have a few bad times with the processor. (to be fair, i've probably done hundreds of rebates, so YMMV)

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

Tiger Direct Coupons
Credit Card Bonuses: The Last AOR
Added on : Friday August 01st 2014 07:00:13 AM
g: 0 Posted By: alamo11
Views: 97 Replies: 1 Okay: So now that my friend closed on his new home and did his refi (see my previous thread for that whole fiasco) it's time to do the last AOR before he quits paying on his old house (I'll make a thread about how to REALLY piss off a banks loss mit department). It's been YEARS since I did an AOR so I need FWFs advise on what cards to get. His wallet consists of just a few cards. I also have permission to AOR is wife so I can double up on everything.

Details:
HHI 150k
800+ Credit
22 Mortgage related inquiries and zero on others
3 Mortgage related inquires and zero on others for his wife.

Current Cards:
Costco AMEX
Old Discovery with 1/2% CashBack or something crazy like that
BOA Travel Card
A few store cards

Purpose:
He's planning to do some travel early next year to South America. I plan to use some of the earnings here to book some of the required travel for that. That being said cash and gift cards are also welcomed.


The Plan:
Since short term credit is going to be trashed anyways I can do as I please on this AOR. I have an easy way to do 50k+ in spending on the cards so min spending requirements are absolutely not an issue.
So far I have only chosen a few cards I plan to do. I plan to do this Monday morning so that gives me some time to plan.

Future Cards:
1.CP { margin-bottom: 0.08in; }A:link { }iti Aadvantage 75k offer http://www.aa.com/i18n/disclaimers/BP-ACExec-75K.jspP { margin-bottom: 0.08in; }A:link { }iti Advantage 75k Offer. My understanding is you can do one citi app every seven? days so I plan to do one card and come back in a week and do another.
2. Cap 1 Venture cards. C1 limits one app per 30 days so if I do both the venture and both the Spark cash cards back to back I can get them through. I've tested this with other C1 products and it worked (on my credit)
3. Barclays Arrival+ Card
4. Chase Sapphire Preferred
5-20 ???

Thank you in advanced!
AOR Deals
g: 0 Posted By: VivYip
Views: 227 Replies: 1 credit techbargains

TigerDirect has the following items FAR, but shipping starts at $4.30. Shoprunner might help, but I don't see it for the items, though

no free shipping
Eastwear Leather Folio Case for New iPad & iPad 2/3/4 - Built-in Stand, Black
$10 - $10 MIRexp 8/2/14

Fit & Fresh CleanTek Filtered Water Bottle - 20 oz., 500 Refills (141FF)
$7.99 - $7.99 MIRexp 8/5/14

TP-Link TL-WN723N Mini Wireless N USB Adapter - USB 2.0, 150Mbps, 802.11n
$19.99 - $20 MIRexp 8/10/14

Cooler Master 200mm Case Fan - 700RPM, Red LED (OEM) - RA-FAN-20030-4P
$14.99 - $15 MIRexp 8/6/14

Color Research Slim Jewel Case DVD-R 10-Pack - 10-Pack, 16X, 120 mins, 4.7GB, Inkjet Printable
$9.97 - $9.97 MIRexp 8/6/14

Kingwin CFBL-012LB LED Case Fan - 120mm, Blue
$9.99 - $10 MIRexp 8/3/14

Memorex DiscRepair Scratch Repair Kit - CD / DVD / Blu-ray - 98836
$9.99 - $9.99 MIRexp 8/3/14

note: i will not be doing these rebates because i'm a little hesitant about the rebate processor and personally i don't have much experience purchasing from TigerDirect. However, if you've had good experience with these rebates, by all means go for it. I just have a few bad times with the processor. (to be fair, i've probably done hundreds of rebates, so YMMV)

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

Tiger Direct Coupons
g: 0 Posted By: ctgolfer
Views: 56 Replies: 0 Preloaded base maps of the United States, Canada and Puerto Rico
With 7 million points of interest and up to 30 waypoints to guide you toward interesting and useful destinations.
5" backlit color touch screen
Provides easy visibility and navigation of features.
SayWhere text-to-speech technology
Says aloud street names and directions, so you can keep your eyes on the road while navigating. Landmark Guidance provides directions using landmarks as your guide instead of street names.
Lifetime traffic alerts
Help you avoid traffic jams and delays and offer suggested detours. Lifetime map updates allow you to download the latest map information up to 4 times a year, so you stay current.
Multidestination routing
Lets you plan a trip with multiple stops in a specific order or selects the most efficient route for you.
Junction View
Displays realistic images of freeway signs and arrows to help guide you to the correct lane.
AAA TourBook
Offers diamond ratings, descriptions and other detailed information on AAA-approved places, such as hotels, restaurants, attractions and more.
Best Parking feature
Provides parking garage locations, hours of operation and directions to the entrance.
Traffic Camera Alerts by PhantomALERT
Deliver audible and visual warnings to notify you of fixed red light and speed cameras along your route (1-year subscription included).
OneTouch favorites menu
Allows you to quickly access your favorite destinations or previous searches. As you type the first few letters of an address, QuickSpell automatically narrows the search based on your destination for simple use.
Built-in rechargeable 720 mAh lithium-ion battery
With up to 2 hours of battery life for extended on-the-go operation.
Automatic rerouting
Provides alternate travel directions in the event of a deviation from the directions given.
microSD media card slot
Enables insertion of a compatible media card (not included) containing additional map data or regional maps to expand your navigational ability.
Lifetime Traffic is for the lifetime of the GPS Device or until Magellan no longer receives relevant traffic data, whichever is shorter. Lifetime Traffic may not be transferred to another Magellan device and may not be available in certain areas.

www.bestbuy.com/site/magellan-roadmate-5230t-lm-5-gps-with-lifet...
GPS Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 109 Replies: 0 13W total system power (6.5W x 2)
To enliven your favorite audio.
2 full-range transducers
Along with Slipstream port technologies and bass boost for immersive sound with thunderous low-end response.
Bluetooth technology
With TrueStream technology enables wireless audio streaming from a Bluetooth-enabled device with faithful audio reproduction.
Compatible with most iPod, iPad and iPhone models with a dock connector
Including iPod classic, iPod nano and iPod touch for listening to your music and charging your device.
Auxiliary input
Allows connection of other MP3 players and portable audio devices with use of a 3.5mm stereo audio cable (not included). The speaker will not dock or charge players through use by this method.
Wake to your iPod, iPad or iPhone
To help keep you on schedule. AmpUp companion app makes it easy to customize your wake-up theme, choose a song to help you fall asleep or access your daily calendar (download required).
Smart touch snooze controls
Let you temporarily disable the alarm by tapping the surface on which the speaker rests, making it easy to catch a few extra minutes of sleep.
Easy-to-read display
With brightness controls and a clock for easy reference.

www.bestbuy.com/site/jbl-onbeat-awake-speaker-for-apple-ipod-ipa...
Headphones & Speakers Deals

Best Buy Coupons
g: -2 Posted By: Strogonowski
Views: 171 Replies: 0 Free shipping, 4 colors to chose from, few hours left.. In my book much better phone then Nexus 5 (I own both Nexus 4 and 5) for this particular price...
http://www.ebay.com/itm/Samsung-GT-I9500L-I9500-Galaxy-S4-Factor...

Cell Phones Deals

eBay Coupons
Oneida Coupon: Up to 80% Off Tent Sale + Extra 15% Off
Added on : Thursday July 31st 2014 10:00:07 AM
g: 1 Posted By: ShoppingChick
Views: 220 Replies: 0 Oneida is having a Tent Sale with Up to 80% Off plus get an Extra 15% Off with coupon codeST15. Shipping adds a flat rate of $2.99.

A few notable items:

Anchor Hocking 9-in. Glass Pie Plate - $2.37 (was $8.00)
Anchor Hocking 1-GAL. Penny Candy Jar w/ Chrome Lid - $6.79 (was $27.00)
Gourmet Pro 8-in. Hard Anodized Saute Pan - $11.04 (was $30.00)


Home & Garden Deals

Oneida Coupons
Noodle & Co - Register eClub & Rec A Free Dish on B-Day
Added on : Thursday July 31st 2014 04:00:07 AM
g: 0 Posted By: CindyLouWho2
Views: 150 Replies: 0 ~~Noodle & Co - Register eClub & Rec A Free Dish on B-DayRegister with Noodles & Company eMail Club and receive a free dish on your birthday along with a special surprise on your Noodlegram anniversary. Besides the coupons mentioned above, Noodles & Company sends multiple coupons throughout the year and quite a few of those coupons are for free items. Complete the eMail club registration form and submit to start your membership and receive your free Noodles & Company .http://www.noodles.com/noodlegram/
Surveys & Rewards Deals
Purple Power Cleaner 1 Gal @ Lowes $3.24...... 56% Off ...YMMV
Added on : Thursday July 31st 2014 03:00:02 AM
g: 0 Posted By: brotherhpj
Views: 238 Replies: 2 Lowes Link

Reg $7.48 Now $3.24...Amazon has it for $16.99

Great for the power washer so I'm getting a few more1-Gallon Degreaser

Powerful cleaner and degreaser
Biodegradable
Concentrated industrial strength
Non-abrasive, non-flammable
Phosphate-free
For use in auto, home, industry, farm and marine applications

Home & Garden Deals

Lowe's Coupons
g: 0 Posted By: ctgolfer
Views: 206 Replies: 0 Due to WaterSense regulations in the state of New York, please confirm your shipping zip code is not restricted from use of items which do not meet WaterSense qualifications
3-function showerhead and handshower for versatile use
60 in. hose is ideal for cleaning children or pets
3-way diverter offers use of 1 or both showerheads
Installs to an existing shower in as few as 5 minutes with no drilling
Includes hardware for hassle-free installation
Lifetime Pforever Warranty covers finish and function for life

www.homedepot.com/p/Pfister-3-Spray-Handshower-Showerhead-Slide-...
Home & Garden Deals

Home Depot Coupons
Predator Bundle [Blu-ray] (2014) $19.99 @ Amazon
Added on : Tuesday July 29th 2014 09:00:04 PM
g: 0 Posted By: ctgolfer
Views: 84 Replies: 0 This bundle features the Predator hexology all on stunning, high-definition Blu-ray. Now you can own them all at a compelling, every-day price.

Predator (Ultimate Hunter Edition)
The ultimate hunter meets the ultimate adversary... in the ultimate Collector's Edition DVD! Arnold Schwarzenegger wages an all-out war against an unseen enemy, a force more powerful and deadly than any on Earth-because the Predator is not of this Earth.

Includes over 5 hours of out-of-this-world extras, including an in-depth documentary, director's commentary, never-before-seen bonus footage, revealing featurettes and more.

108 minutes
1 disc

Predator 2
This electrifying action sequel unleashes the deadly invisible Predator in another jungle -- the urban jungle of Los Angeles. Danny Glover stars as a lieutenant who mistakenly concludes that mangled bodies found by the police are the work of feuding gangs. Instead, he finds himself confronting a savage alien who has come from a distant world to hunt humans for sport. Gary Busey and Ruben Blades co-star in this suspense-packed, high-tech thriller.

108 minutes
1 disc

Predators
Robert Rodriguez presents Predators, a bold new chapter in the Predator universe. Adrien Brody stars as Royce, a mercenary who reluctantly leads a group of elite warriors mysteriously brought together on a jungle planet. But when these cold-blooded human predators find themselves in all-out war against a new breed of alien Predators, its the ultimate showdown between hunter and prey.

Also includes commentary by Robert Rodriguez and Nimrd Anta, deleted and extended scenes, evolution of the species: Predator reborn, and more.

105 minutes
2 discs

Alien vs. Predator
"It may be our planet, but it's their war!" The deadliest creatures from the scariest sci-fi movies ever made face off for the first time on film. The incredible adventure begins when the discovery of an ancient pyramid buried in Antarctica sends a team of scientists and adventurers to the frozen continent. There, they make an even more terrifying discovery: two alien races engaged in the ultimate battle. Whoever wins...we lose.

Also includes the unrated cut on Blu-ray.

101 minutes
1 disc

Alien vs. Predator Requiem
Aliens vs. Predator: Requiem offers a marked improvement in both categories, as well as a respectable amount of rumbles between the title extraterrestrials. Set in the 21st century (which predates the story to all of the Alien features), Requiem sends a crippled Predator ship crashing to Earth in a small Colorado town; unbeknownst to the locals, the craft is loaded with H.R. Giger's insectoid monsters, which make quick work of most of the population. As the human cast is slowly whittled to a few hardy (if unmemorable) souls, a Predator warrior also arrives to complicate matters and do battle with the Aliens, as well as a ferocious alien-Predator hybrid (dubbed a Predalien by the sci-fi and horror press). Visual-effects designers and music-video helmers The Strause Brothers (who make their feature directorial debut here) keep the action on frantic throughout, which is wise, since the dialogue and characters are threadbare at best; that should matter little to teenage male viewers, who are inarguably the film's key audience. Fans of the Alien franchise, however, may find the offhanded nod to the series' mythology given during the finale its sole saving grace.

94 minutes
1 disc

www.amazon.com/dp/B00JMXWQ1M/
Blu Ray Deals

Amazon Coupons
Learning How to Save, Retire and Manage Personal Finance
Added on : Tuesday July 29th 2014 10:00:11 AM
g: 0 Posted By: droctagon
Views: 125 Replies: 4 Hi all! I love this forum and try to visit it often as there seems to be a good pool of knowledgeable users. I've posted a few topics here and have received some great advice, a lot of which I did not take. I was recently looking at my 401k balances and really don't understand what is best for me or what it even means. This is what I know:
26.29% POST-86 SIP $23,928.47 $23,928.47 100% 20.29% EMPLOYER NONMATCHING CON $18,467.86 $18,467.86 100% 20.25% EMPLOYER MATCH $18,432.93 $18,432.93 100% 19.01% ROTH 401K $17,305.90 $17,305.90 100% 14.17% 401K $12,895.22 $12,895.22 100%
With a total 401k balance of $91,030.38. A little background on my other finances:

29 y/o engaged with $80k salary in Chicago (salary has been steadily increasing 5-10% since I started out of college with the same company)
$8k in savings earning 1% APR
$0 credit card debt
$6.4k car loan at 2.99% fixed
$36k student loans under 3% APR variable
$100/month into a Roth IRA (started today)

I spoke with a Fidelity representative who runs the 401k account and she suggested immediately opening up a Roth IRA, even if it means $100/month. She mentioned opening up a Roth IRA starts some sort of 5 year clock that is a qualifier for withdrawing money? Can anyone elaborate?

I have also read a good benchmark is to have 1X your salary by age 30 which I have been able to reach that goal. Given that, would anyone recommend maybe putting less into my 401k and putting more into my Roth IRA?

Finally, I will have a few major expenses coming in the next 2-3 years. I would like to be able to put a down payment on a modest priced house (~200-250K) and more immediately like in the next year, come up with $15k for a wedding. Sorry guys, I don't think my fiancee is going to accept a true FW wedding and if you guys aren't aware, 15k is on the low end for a wedding! Ridiculous!

I don't think its worthwhile to attack my car loan or my student loans given the APR. Any help, guidance, advice, articles would be of great help. Thank you all very much for your time.

Personal Finance Deals
Dell Home: 72 Hour Games Sale + $25 eGift Card
Added on : Tuesday July 29th 2014 08:00:05 AM
g: 0 Posted By: ShoppingChick
Views: 174 Replies: 0 Dell Home has a 72 Hour Games Sale with select games starting at $19.99 plus $25 Dell eGift Card.

A few notable items:

The Elder Scrolls V: Skyrim (X360) -$19.99 +$25 eGift Card
Gran Turismo 5 XL Edition (PS3) -$19.99 +$25 eGift Card
Mario Kart 7 for Nintendo 3DS-$19.99 +$25 eGift Card
Shop more XBOX 360
Shop more PS3
Shop More Nintendo 3DS

Video Games Deals

Dell Consumer Coupons
Free Brocade Network Function Virtualization Certification
Added on : Tuesday July 29th 2014 06:00:09 AM
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.brocade.com/forms/jsp/nfv-certification/index.jsp?

YOURE A FEW STEPS AWAY FROM FUTURE-PROOFING
YOUR CAREER.

Prepare for the future of networking today with free 60-day trial software, web-based training, and a Brocade Network Function Virtualization Certification ($650 value).

BE A BROCADE CERTIFIED PROFESSIONAL NOW.
Build your skills by creating a virtualized network with the Brocade Vyatta vRouter
Stay ahead of the industry's move to software networking
Become an expert within your IT organization
Totally Free Deals
g: 0 Posted By: shank
Views: 163 Replies: 0 www.nashbar.com regularly offers various percentage off, free shipping promotions. Now that nashbar offers free shipping on orders of $49 or more, the additional 21% off creates some pretty good deals. Some brands are excluded. This deal should repeat a few times per month.
Sports & Outdoors Deals

Bike Nashbar Coupons
Free Kindle Book- SALMON a cookbook
Added on : Tuesday July 29th 2014 01:00:03 AM
g: 0 Posted By: remick
Views: 21 Replies: 0 http://www.amazon.com/gp/product/B00DYF2OK2

#1 Amazon BESTSELLER

Reviews:

I've tried more than a few recipes from this book and am amazed at how delicious the dishes turn out each time. The recipes are very easy to follow, but the flavors are immaculate. Kids will love the salmon tacos, while adults will find the salmon quiche mouthwatering. - Dudlyringo NEW HAMPSHIRE

We made the salmon chowder recipe last night, it was full on flavor, and very easy to make. For the main course we cooked the salmon, leek, zucchini with carrots - very easy, wrapped in foil, and cooked in oven for 20 minutes. It came out perfect and full of flavor too. Excellent book with great recipes, highly recommended. - Mike MAINE

So many cookbooks I used to own ended up in bottom of the cupboard never to see the light of day again. Or in this day and age never looked at again on the kindle. This one is great and so helpful when I had to impress at a dinner party. Will be looking forward to more from this author. - Daisy UK

People new to Salmon are often surprised at what you can do with this delicious tasting fish. My love of Salmon began over 25 years ago at my first job as a cook; my Salmon Chowder became an instant hit. That recipe still gets great reviews from everyone who tries it. For many years I have shared Salmon recipes with family and friends and I am always asked for more. It really is a great compliment. I wrote this cookbook to share many of my favorite Salmon recipes with you. These great tasting recipes are diverse and simple. It is my hope to encourage you to cook Salmon more often for a healthier you. - Colin Simpson.

Colin is a professional cook and former restaurateur who resides on the beautiful coast of southern Maine in New England, famous for its seafood. Colin quickly became known for his many Salmon dishes. Salmon Chowder and Salmon Quiche were the most favorite dishes for brunch and dinner.
Books & Magazines Deals
Request for long term financial guidance for my retiring mother
Added on : Monday July 28th 2014 02:00:10 PM
g: 0 Posted By: Dell4600
Views: 46 Replies: 0 Hi guys, yet another post where one of us bares all (or bares enough to ask the question) and asks for financial guidance and advice.
My mother called me this weekend to lay out her current situation, asked if I was 'good at investing' and could help her. Well given that my portfolio is down about $14,000 in the last five days I can definitively say I'm not good at investing, but as a long term member of this board I know quite a few people that are

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

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

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

-=-

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

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

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

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

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

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

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

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

Thanks much,
Dell4600
Intex Queen Raised Downy Bed with Built-In Pump $44.61 FS K-Mart
Added on : Monday July 28th 2014 10:00:04 AM
g: 0 Posted By: GreenTrash
Views: 74 Replies: 0 Link

The Intex Queen Raised Downy Airbedweighs just under 22 pounds
Large queen-size bed is the perfect fit for two adults
Mattress is made of a durable Polyvinyl Chloride material
Black color and sleek design looks upscale and contemporary
Attached electric pump inflates or deflates the bed in just a few minutes
Sleepers can choose their desired mattress firmness for a customized night of sleep

Sports & Outdoors Deals

Kmart.com Coupons
g: 0 Posted By: Savvymommy03
Views: 187 Replies: 1 eBay (via rocket-auctions) has the Truewhite Advanced Plus System Teeth Whitening Kit on sale for $14.99 w/free shipping.

Use as a front line teeth whitening system or to touch-up your perfect smile
Notice change after your first few treatments
Good for 20-25 treatments
12% Hydrogen Peroxide

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eBay Coupons
Bankruptcy paperwork done but actively dying within few days
Added on : Monday July 28th 2014 06:00:11 AM
g: 0 Posted By: DEAL007
Views: 138 Replies: 9 A friend of mine's dad is actively dying (last few days) and while he was ok, he was working with his attorney to file his bankruptcy paperwork but now he is not in a rational state to even sign a POA.. what are his options. can his wife or son wife file on his behalf..

another question is , should he even go thru the bankruptcy procedure and pay the attorney fees etc.. this is all credit card debts.. or should the family just send in death certificate and have them discharge the debt.. what do you guys think?
Personal Finance Deals
maximizing moving expense reimbursement
Added on : Monday July 28th 2014 01:00:09 AM
g: 0 Posted By: dagr8vik
Views: 57 Replies: 1 Relocating for a job is often accompanied by perks like employer reimbursed moving expenses. Sometimes this is paid as a lump sum to 'help offset moving costs' and other times employers reimburse actual costs up to a certain limit.

Is it possible (or does anyone have any experience with) moving yourself and keeping the reimbursement. This might be facilitated by forming your own moving company, or having a friend or family member do it, and hiring them for your move (or part of it). For example, one might hire a moving company to move most of their stuff and drive their car up themselves. The car transport might be expensive, but reimbursable, and you might think to yourself, 'I could compete with that price, or even beat it.'

I have not seen a lot of discussion on this, but there was a similar thread in maximizing employer reimbursed closing costs a few years ago - http://www.fullofdeals.com/forums/finance/704849/
The consensus there seemed to be - 'keep it reasonable'
I am not suggesting outright fraud, but paying yourself for your own hard work in moving (rather than paying someone else) seems reasonable to me.
Any other ideas on maximizing this benefit?

Question Deals
maximizing moving expense reimbursement
Added on : Monday July 28th 2014 12:00:06 AM
g: 0 Posted By: dagr8vik
Views: 15 Replies: 0 Relocating for a job is often accompanied by perks like employer reimbursed moving expenses. Sometimes this is paid as a lump sum to 'help offset moving costs' and other times employers reimburse actual costs up to a certain limit.

Is it possible (or does anyone have any experience with) moving yourself and keeping the reimbursement. This might be facilitated by forming your own moving company, or having a friend or family member do it, and hiring them for your move (or part of it). For example, one might hire a moving company to move most of their stuff and drive their car up themselves. The car transport might be expensive, but reimbursable, and you might think to yourself, 'I could compete with that price, or even beat it.'

I have not seen a lot of discussion on this, but there was a similar thread in maximizing employer reimbursed closing costs a few years ago - http://www.fullofdeals.com/forums/finance/704849/
The consensus there seemed to be - 'keep it reasonable'
I am not suggesting outright fraud, but paying yourself for your own hard work in moving (rather than paying someone else) seems reasonable to me.
Any other ideas on maximizing this benefit?

Question Deals
replacing or rebuilding transmission
Added on : Sunday July 27th 2014 04:00:07 PM
g: 0 Posted By: davidbeckham
Views: 87 Replies: 1 I had my transmission with only 70K miles out from my Kia 2008 spectra a few weeks ago and was quoted from $1200-1800 for repair in NYC, and I ended up paying $1200 for them putting in a used one with 50K miles on it. There is a couple things I noticed while shopping around. Some Auto Body was only offering me for rebuilding tranny for $1600-1800, and others told me that usually they would look for a used one first and then if there wasn't any available they would look into the rebuilt option because a high percentage of rebuilt transmissions fail after a year or two . I understand that rebuilding costs more so that the shop would earn more from labor. Other than that, Is there any incentive for shops to push for rebuilding rather than getting a used one? Why did those shops not like to offer a used replacement first? I am trying to get some insight into this industry and figure out who is the honest guy here.
Question Deals
Disney Store BOGO Free, F/S @$75 (exclusions apply)
Added on : Friday July 25th 2014 03:00:04 AM
g: 1 Posted By: ichabod
Views: 183 Replies: 0 The Disney Store has some items on sale for buy one get one free. http://www.disneystore.com/ Now if only I could figure out a way to get myself in a pair of those Darth Vader jammies....oh to be a kid again.

Free shipping over $75 with code SHIPMAGIC. I did have to play around with this code by adding a few on-sale items, not in the BOGO section. But they were still on sale so I got some great deals. So buyer beware, that you might have to play around with your shopping bag to receive the discount. Otherwise shipping is pretty high and might be a dealer break for some.

Some great stocking stuffers in there. I got 2 mugs, 2 personalized beach towels (personalization added $4.95 which was not BOGO), 2 journals, 2 totes, 2 tumblers, 1 popsicle kit, 1 adult t-shirt, and 1 Christmas ornament for $78 with free shipping.

SAMPLE BOGO
Beach Towel $9.99 (reg $16.99) -http://www.disneystore.com/minnie-mouse-beach-towel-personalizab...
Monster's Inc Mug $4.99 (reg $12.95) -http://www.disneystore.com/mike-wazowski-mug-monsters-inc/mp/135...
Muppet Tote $2.95 - http://www.disneystore.com/the-muppets-reusable-tote/mp/1347661/...
Pixar Journal - $16.95 - http://www.disneystore.com/disney/pixar-journal/mp/1352715/10002...

ON SALE BUT NOT BOGO
Mickey Tumbler $4.99 (reg $9.95) - http://www.disneystore.com/disney/pixar-journal/mp/1352715/10002...
Popsicle Mold $4.99 (reg $9.95) - http://www.disneystore.com/mickey-mouse-popsicle-molds-summer-fu...
T-shirt $12 (reg $16.50) - http://www.disneystore.com/mickey-mouse-tee-for-women/mp/1320842...
Ornament $7.99 (reg $14.95) - http://www.disneystore.com/sorcerer-mickey-2014-frame-ornament-w...

Buy One, Get One Free Promotion Restrictions: *Offer begins July 25, 2014 and expires 11:59pm PST, July 27, 2014 or while supplies last, whichever is earlier. Buy One Get One pricing only applies when you purchase eligible promotional items from the Buy One Get One category in quantities of 2. Regular prices apply when purchasing a single item or purchasing in odd-numbered quantities. Free pricing will be applied to the item with the lowest retail price. Merchandise must be exchanged for identical item or returned at discounted price with valid packing slip. No adjustments to prior purchases. Offer only valid on phone orders and orders placed online at DisneyStore.com. Not valid on purchases made at Disney Store and Disney Baby Store retail and outlet locations. Discounts based on original retail prices. Intermediate markdowns may have been applied. Disney E-Commerce reserves the right to cancel or modify this offer at any time. Void where prohibited. Valid on select merchandise only.

Here's how to redeem your Free Shipping On Your Order of $75 Promotion Online:

Place at least $75 worth of eligible items in your bag.
Type the Promotion Code SHIPMAGIC into the promo code area.
The promotion will be applied, if eligible.
Continue shopping or begin checkout.

Free Shipping on orders over $75 Online Promotion Restrictions: Offer expires 11:59 pm PT, December 31, 2014. Free Shipping applies to Standard Delivery on orders over $75 sent to a single shipment address in the U.S. Certain products excluded, as noted on specific Product Pages. Qualifying purchase based on pre-tax, post-discount amount and excludes Shipping & Handling charges, D23 Memberships, gift wrap & gift boxes. The Promotion will be applied, if eligible. Additional Shipping & Handling applies for select items. If any single order is sent to more than one address, Shipping & Handling charges will be applied to each shipment address. Offer valid on phone orders and orders placed online at DisneyStore.com. Not valid on purchases from Disney Store retail, Disney Baby Store retail, outlet, or Disney Parks and Resorts store locations. Disney E-Commerce reserves the right to cancel or modify this offer at any time. Void where prohibited.
Toys Deals

Disney Store Coupons
Roku - LT Streaming Player $36.99 w/FS @ Best Buy
Added on : Thursday July 24th 2014 10:00:02 PM
g: 0 Posted By: ctgolfer
Views: 71 Replies: 0 Stream movies, music, sports and more
With hundreds of channels, you can choose what to watch from a huge amount of entertainment options, plus sports, live news and international programming.
Find content quickly
Easily navigate to your favorite movie or TV show with the included remote control.
Set up with a few simple steps
Connect the player to your TV with an HDMI cable (sold separately) or composite A/V cable (included). Then connect to the Internet wirelessly* or with an Ethernet cable (sold separately).
Support for good quality video and sound
HDMI connection supports video quality up to 720p HD and Dolby Digital Plus surround sound. Composite A/V connection supports standard definition quality only.
Wireless connectivity
Built-in Wi-Fi connects to the Internet through your wireless home network.*
Compatible with virtually any TV
Easily connects to HDTVs and standard-definition TVs.

www.bestbuy.com/site/roku-lt-streaming-player/4071495.p?id=12184...
TV Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 193 Replies: 0 use coupon code: MZQQ58XG

The Chromo Inc Immedia-Light provides immediate battery free light with just a few cranks
Lightweight design of only 2.4 ounces makes it a breeze for on the go use
Immedia-Light supplies bright 3 LED Light
Comes with On/Off switch, Crank Lock toggle and a Carry Strap.
Go Green! Environmentally Friendly with no Carbon Footprint. Made from recycled materials

www.amazon.com/dp/B00DOH19U6/
Home & Garden Deals

Amazon Coupons
g: 2 Posted By: imanemokid
Views: 301 Replies: 8 Target Weekly Ad Q > $5 Off $20 Meat Q Available 7/27 (GOOD COMPETITOR Q > YMMV)

Q available in next weeks ad (7/27/14 - 8/2/14)

Q can be used on fresh, frozen or deli meat.

Possible online or mobile Q ?? (will post if available)


GOOD COMPETITOR Q ... & combine w/ MFR Qz >> don't forget to get your Target Cartwheel Qz, too. (quite a few "meat" Qz available)


seems like it changed, even better ... Thanx mistercheap and totallytarget ...

Grocery Deals
New Tutorial: Shopping for Life Insurance
Added on : Thursday July 24th 2014 02:00:07 PM
g: 5 Posted By: dshibb
Views: 196 Replies: 0 Carryover from discussion elsewhere and big thanks to RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership apparently).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

If you just say you're a customer and not an agent to the first person that picks up it's possible a receptionist could say something dumb like "we only work with agents here not customers."

Wait until you have a wholesaler on the phone to explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each wholesale(as opposed to retail) case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really bring pressure on a senior underwriter to move a client from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal retail case they'll push a lot harder than if it's wholesale case with an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
g: 1 Posted By: labboypro
Views: 366 Replies: 1 http://www.lowes.com/pd_518739-34252-PCCK405N4_4294684028%2B4294...Item is $98 on clearance. Use coupon code470000000021460 at checkout for 10% off ($88.20). Use ebates for 2% CB.

Order online for store pickup. There are a few dozen at stores in my area and a few other random ZIP codes I tested.

4-Tool 18-Volt Nickel Cadmium (Nicd) Motor Cordless Combo Kit

Includes circular saw, drill/driver, reciprocating saw, flashlight, double-ended screw driving bit, 6-1/2-in circular saw blade, 6-in wood cutting blade, 2 NiCd batteries and charger
Circular saw has a 6-1/2-in blade and 50 bevel for greater and more efficient cutting capacity
Reciprocating saw delivers 3,000-SPM for fast cutting
Flashlight has a 5-watt bulb providing up to 5 hours of run time
Batteries recharge in 3 hours
3-year battery warranty
3-year tool warranty

Tools Deals

Lowe's Coupons
Shopping Life Insurance Tutorial Update
Added on : Thursday July 24th 2014 01:00:06 PM
g: 1 Posted By: dshibb
Views: 12 Replies: 0 Carryover from discussion elsewhere and big thanks RBirns who referenced the last important piece to put this strategy together.

Today when you buy insurance from any independent agent out there (whether if they're life only, life and securities, etc.) you don't really realize it, but you're actually working with a small number of insurance brokerage wholesale operations in the US. They process all of the cases, give all of the insurance advice to the agents(in most cases), deal with the insurance carriers, handle contracting, etc. All the agent does is turn it over to them right away: client --> agent --> life brokerage --> carrier.

Now these life brokerage firms go by several different names, but they essentially mean the same thing: Insurance Marketing Organization (IMO), Field Marketing Organization (FMO), Broker General Agent (BGA), and Managing General Agent (MGA) are all insurance life brokerage agencies. They are all in the business of providing back end support to those with insurance licenses and their segment effectively dominates the insurance industry as practically every agent uses them and almost every carrier sells through them.


This also means that a very small number of insurance firms are actually at the epicenter of all insurance information. The people that work at them know the most knowledgeable insurance agents in very large networks, they have staff that are on a first name basis with the underwriters/case managers at many insurance carriers, out of sheer volume they've processed they know all the health related and process related quirks at the different insurance carriers, etc. They are also much more likely than retail agents to post their carrier list on their website so you can check quickly what carriers any agent that uses them has access to.


For the first time(I think anywhere online) I'm actually suggesting that customers (not agents) call these firms directly for referral or better yet if there is someone at their offices that will do personal production on the side then just use them since you'd likely get more efficient processing than going any other route.

The new method:

Step 1: (assuming term): Go to term4sale.com for quotes from the largest term insurance public aggregator

Step 2: (thanks to RBirns): Go tohttp://nailba.org/,click "Membership", and "Member Search". Pick your state (or potentially near by state(s) and click "apply". You will see a surprisingly small number of firms listed for an entire state. That is likely at least 50% if not 75% of the life brokerages in that state (not all pay for membership).

Step 3: Go to each companies website where you will see information targeted not to attract insurance customers, but to attract agents. And usually there is a place on the website to view their carrier list and typically if there isn't you should be able to find the parent firm somewhere on their website (Crump, CPS, Brokers Alliance, LifeMark, Partners Advantage, Dunhill, etc. that are the national life brokerage firms). From there you can compare the best term results from term4sale.com with the carrier list they have on their website. You also may be able to pick up certain details about the types of agents that would pick such a place to handle their backroom. Do they mention having their own underwriters on staff? Do they provide support for advanced markets cases(that is code for they have smart people on staff)? Do they have template medical questionnaires on their website(if you have health issues that is a pretty good sign that they actively try to screen carriers based on how they look at particular health issues)? Do they mention "informal underwriting" on their website or mention that they order parameds on their website (valuable if you have health issues and you're above certain medium sized premium thresholds--think like $1.5-2+ million term insurance).

Step 4: Once you've picked out a couple life brokerage firms that seem appealing call them directly. Since this has never been done in mass before I can't attest to how this is going to go in every case, but I think it should work just fine. Just to make sure you don't get odd responses I would say/do one of the following:
--Look up on their website to see if there is a list of names/titles, etc. and if any of them say "wholesaler", "marketing", "sales support", or something like that then just ask for that person.
--"Hi do you have a wholesaler available right now by any chance?"
--"Hi can I get sales support, please?"

Then once you have that person explain you're a life insurance customer "and that it was suggested to call a life brokerage directly since they're the ones that know the business the best and know everybody. So if anybody at your office is interested in processing a personal production term case(or whatever product you're interested in) that would be great otherwise I can take a referral to one of your agents who you think is [state desired quality such as easiest to work with, most knowledgeable, least pushy, etc.]. Most life brokerage wholesalers probably work with at least 150 insurance agents so their networks are pretty wide and that is just 1 wholesaler at 1 of these firms. If they have 4 wholesalers than that little office probably has at least 600 around the country.


A few additional points. If you are:
1) A normal small term case without any known health issues: You're probably looking for signals on their website of good case management at the firm. For you the best possible situation is to probably land someone at the office to take your case on the side. Why? Because the guy/gal is probably only one cube over from the case manager that processes everything and this is likely a nice little bonus commission to a person that either is salaried or doesn't make much override commission on each case run through. This means that you're case will probably process in record time because it'll be the wholesaler's #1 priority who will probably bother the case manager daily about having everything go through as fast and smooth as possible.

2) A larger term case with known health issues:You're looking for references to informal underwriting or "ordering their own parameds" on their website. If they mention that it means they will in certain cases take possession of the health records. If they do that then that means they have the capacity to submit them informally to a bunch of carriers and get health classes/ratings back from each of the carriers. If you have health classes/ratings from carriers than you no longer have just "quotes" you have the actual end prices. Then they can compare the best end prices and have the client resubmit an app one more time to the carrier that gave the best price and they take the records and paramed from the first application (to somewhere else) and submit that to this carrier for very quick turnaround. The nice thing being that you don't have to do underwriting/physical/etc. a second time.

An analogy of this would be applying to ABC bank and getting one hard pull and then being able to take the credit report from ABC bank and sending this to as many banks as you liked to see if what they would hypothetically give such a person. Then knowing the exact terms of every bank you submitted to you then pick the one you want and apply only with them. The only difference of course being that medical underwriting sucks a lot more than a hard pull for credit.

3) A smaller term case with known health issues:You want references to health/underwriting questionnaires, "underwriting guides", "underwriting tools", etc. on the life brokerage's website. It's a signal that they'll at least attempt to screen for carriers that are likely to be more forgiving of whatever health issue you have. But since it's a smaller case the carriers wont participate in informal offers so they can't do what is mentioned in #2. This is also a case where you likely will receive a financial benefit if you work directly with a person at the physical life brokerage. Why? Because these people are practically the only people in the country that "build up favors" with insurance carriers. I.e. in certain cases they can really push on a senior underwriter to push someone from one health rating to another. They typically only can get away with really pushing a few times a year (as opposed to only sort of token pushing because they have a pissed off agent that has written only 3 cases with them on the phone). Guess what if it's their own personal case they'll push a lot harder than if it's an agent they're working with.

4) Business/Estate/Trust case: You want references to advanced markets on their website. If it's something ongoing like COLI, BOLI, deferred comp, etc. you want to ask them who they use for an advanced markets TPA. If they say they are their own advanced markets TPA then ask if they provide ongoing reporting services to the companies. If they say no than ask them if they work with an advanced markets TPA that does (regardless if you need it). Also, if you're a big Business/Estate/Trust than M Group needs to be one of the life brokerage firms in the mix since they're basically the only major life brokerage in the business (that I'm aware of) that has been granted proprietary carrier pricing instead of just proprietary access that many advanced markets TPAs are capable of getting.
Discussion Deals
g: 0 Posted By: labboypro
Views: 174 Replies: 0 http://www.lowes.com/pd_518739-34252-PCCK405N4_4294684028%2B4294... Item is $98 on clearance. Use coupon code470000000021460 at checkout for 10% off. Use ebates for 2% CB.

Order online for store pickup. There are a few dozen at stores in my area and a few other random ZIP codes I tested.

=13px4-Tool 18-Volt Nickel Cadmium (Nicd) Motor Cordless Combo Kit

Includes circular saw, drill/driver, reciprocating saw, flashlight, double-ended screw driving bit, 6-1/2-in circular saw blade, 6-in wood cutting blade, 2 NiCd batteries and charger
Circular saw has a 6-1/2-in blade and 50 bevel for greater and more efficient cutting capacity
Reciprocating saw delivers 3,000-SPM for fast cutting
Flashlight has a 5-watt bulb providing up to 5 hours of run time
Batteries recharge in 3 hours
3-year battery warranty
3-year tool warranty

Tools Deals

Lowe's Coupons
g: 0 Posted By: jskins
Views: 90 Replies: 0 Rollerblade Solo Tribe HD Inline Skates (Black/Red)- $81.73 with free shipping at REI Outlet. *2012 Closeout item*

Plastic Base
Nylon Frame Material
Plastic Boot Material
Molded foam inserts
Sneaker style laces
(Front and Rear) 60 (Middle) 42-mm. Wheel Diameter
88a Wheel Durometer
SG7 Bearings
Rockering
4 Wheels
USF Interchangable Frame Length

Last time these were postedin the forum (a few weeks ago) they were on sale for $120.
Puma Semi Annual Sale: Up to 50% Off + Extra 20% Off
Added on : Wednesday July 23rd 2014 09:00:11 AM
g: 0 Posted By: ShoppingChick
Views: 198 Replies: 0 Puma Semi Annual Sale has Up to 50% Off + Extra 20% Off(discount applied in cart). Shipping adds a flat-rate of $7.00 or get free shipping on orders $75+. Offer expires 7/27/2014.

A few notables:

Archetype Heritage Backpack- $19.20
Women's Zip-Up Hoodie- $33.60
Suede Chemical Comic Kids Sneaker - $21.60

Clothing Deals

Puma Coupons
Trademark Registration question
Added on : Wednesday July 23rd 2014 08:00:11 AM
g: 0 Posted By: reverseorder
Views: 122 Replies: 2 My wife and I are working on a startup in fashion design industry. We will design and sell exclusive clothes. We are working as a freelancers for 5 years now and we are thinking to make it an official business. After establishing the LLC, we would like to trademark our brand name, logo and domain name. We asked few lawyers but they told us they don't deal with trademark as it is very complex process. We greatly appreciate if FWs can provide us any kind of advice or suggestion on what to do to get trademark registered. Thanks.
Personal Finance Deals
Igloo 100 quart Cooler $29.98 Target Clearance YMMV
Added on : Tuesday July 22nd 2014 01:00:02 PM
g: 0 Posted By: Joelrules000
Views: 198 Replies: 0 Saw an Igloo 100 quart cooler on clearance at my local Target in Florida for $29.98 marked down from $59.99. Picked one up, they had a few left.

It's the quick and cool model which has the small access door at the top. It says it's a five-day 145 can cooler. I couldn't find a SKU on mine, but the clearance sticker has the number 091 01 0202. YMMV
Sports & Outdoors Deals

Target Coupons
g: 0 Posted By: remick
Views: 138 Replies: 0 PLAY The Discipline Solution: A New System Motivates Children to Do Chores while Teaching Life Skills & Self Discipline WITHOUT Cash or Spanking
http://www.amazon.com/PLAY-Discipline-Solution-Motivates-Childre...

5.0 out of 5 stars (9 customer reviews)

This ready-to-use kit is a job, financial & legal system that teaches children life-skills & self-discipline while giving parents an easy way to discipline children.

For Parents:
Strengthens respect without resentment
Transforms conflict into cooperation
Provides structure with rules and boundaries
Fosters encouragement instead of demands
Implements discipline without spanking or yelling
An on-the-spot tool to organize & manage chaos

For Children:
A fun & easy way to learn
Teaches money management, math & life-skills
Raises accountability & self-discipline
Nurtures a sense of pride with independence
Deflects disagreements & false sense of entitlement
Provides a way to earn all privileges
Inspires thinking before acting
Moderates unhealthy things such as the use of video games, computers, sweets, & more.


According to the Clark University Poll of Parents of Emerging Adults --

"74% of parents say they provide financial support to their 18-29 year old children."

This may be due to the "Entitlement Epidemic" that we've recently been hearing about.


This kit was created to help decrease the issue of entitlement. It will help kids learn money management, life-skills, self-discipline and math at the same time. It helps children gain responsibility for their actions without the parent feeling the need to spank or stress so much.

The system within this book is based upon the job, monetary and legal system that adults operate within today; and it's been broken down to a child's level. It gives hands on experience to children while teaching them about self-sufficiency, life-skills, money management, earning and moderation. by bringing real life responsibility to a child's level of understanding.

This toolkit provides motivation for kids to help out with household chores and to take on responsibilities independently -- without paying a cash allowance.

Once you begin using this system, you can say 2 words that in most situations will get your kids to listen to you almost instantly.

The toolkit includes charts for chores as well as a pay, price, and fine lists, facts, rules, currency, and discipline tips for parents. Everything has a set pay, price and fine. Everyone with kids or planning on having kids can benefit from this system.

The charts make it simple to start using immediately and kids love the idea of it too.

Research and studies have been done to make this system cater to a child and parent's needs. It's been tested, tweaked and rewritten many times over the last few years to narrow things almost down to a science.

Having the knowledge of life-skills and money management are just as important as the things children learn in school because the job market and financial world is ever changing and becoming more and more competitive every day. It's essential for children to start learning life skills as soon as possible, so they can have a jump start on how things work in the real world. If they don't learn these essential life-skills now, their life and yours may be harder now, and later down the road. This is why I felt the need to share this system with the world.

Let's arm our children with tools for success; while you gain some relief. This book and kit is a positive and educational solution. PLAY "The Discipline Solution" Really does work.
Totally Free Deals
g: 0 Posted By: Savvymommy03
Views: 85 Replies: 0 Tommy Hilfiger cuts an Extra 50% Off on Sale and Clearance items with Coupon Code: THJUL50. Shipping adds $7.95. Get free shipping on Kids orders $100+ or $150+ for everything else. Deal ends August 4th.

A Few Notable Items:

Tommy Hilfiger Women's Cabana Stripe Maxi Dressfor $59.99 - 50% Coupon Code: THJUL50 = $29.99
Tommy Hilfiger Men's Pacific V-Neck Sweaterfor $44.99 - 50 % Coupon Code: THJUL50 = $22.50
Tommy Hilfiger Boys Fashion Rugby for $36.99 - 50% Coupon Code: THJUL50 = $18.50
Tommy Hilfiger Palm Springs Sheet Set starting at $49.99 - 50% Coupon Code: THJUL50 = $24.99 - $29.99

Clothing Deals

Tommy Hilfiger Coupons
g: 0 Posted By: AJR
Views: 170 Replies: 0 I received a Florida Tax Information Publication (T.I.P.) Flyer for the "2014 Back-to-School Sales Tax Holiday" that will be going on August 1st - 3rd. I know some other states also hold these "Tax-Free Back to School Events" as well, but for now, this is the only one I know of.

During this holiday period, Florida law directs that no sales tax or local option tax (also known as discretionary sales surtax) will be collected on purchases of:
Clothing, footwear, and certain accessories selling for $100 or less per item,
Certain school supplies selling for $15 or less per item, and
Personal computers and certain computer-related accessories on the first $750 of the sales price, when purchased for noncommercial home or personal use.

For complete details and to see the flyer, go to the Florida Department of Revenue site and click on "Sales Tax Holiday Aug. 1 - 3, 2014" under Current Topics to get the PDF with all the details.

Always nice to save a few bucks on tax when buying the back to school stuff.
Back to School Deals
FREE Shutterfly 8x8 Photo Book, shipping not included
Added on : Monday July 21st 2014 06:00:09 PM
g: 0 Posted By: cybersherri
Views: 218 Replies: 1 This is my first post, so please be kind if I posted this in the wrong forum.

I received a coupon atcheckoutfrom Vons (aka Safeway) for a FREE SHUTTERFLY 8x8 PHOTO BOOK ($29.99 value)

The coupon details say: Visit shutterfly.com/grocerypb. OFFER EXPIRES AUGUST 10, 2014 (11:59pm PT). Offer is good for one free 20-page 8x8 hard photo cover photo book through Shutterfly.com or the Shutterfly Photo Story app for iPad. Offer cannot be redeemed more than once per account and/or billing address. Taxes, shipping and handling will apply. See website for terms and conditions.

The Promo Code is: CT9C4R5JVVZZ9VAKMV.




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

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









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

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

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

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


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

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

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


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

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

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

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

My biggest concerns with using an S-Corp are:

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

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

3) Anything else I missed?

Tax Deals
g: 0 Posted By: remick
Views: 31 Replies: 0 http://www.amazon.com/dp/B00AFYBRTY/

4.8 out of 5 stars (12 customer reviews)

Mind Mapping for Kids helps elementary school students develop higher-level thinking and improve their reading comprehension using mind maps and eight reading comprehension strategies.

KEY FEATURES

Learn mind map basics in a few hours and start mind mapping in a day.

- Written by a mind mapper and features mind maps by other mind mappers.
- Includes over 50 mind maps created with over 10 different mind mapping programs.
- Full case study on reading comprehension using mind maps.

DESCRIPTION

We are all visual learners, at least in part. We absorb information visually more than in any other way. Yet, visual literacy is mostly missing from mainstream education. So, how can elementary school students visually represent information and ideas to improve their ability to build on what they already know, think critically, and learn meaningfully?

This question is the central theme of Mind Mapping for Kids. MMFK offers elementary school teachers a blueprint for how to introduce mind maps in their classrooms to help students think more rigorously and increase engagement by transforming linear, static information into connected, dynamic maps.

Part I of the book discusses the fundamentals of mind mapping for teachers, parents, and students. Part II demonstrates how to use mind maps and the eight reading comprehension strategies to help students develop critical thinking and better comprehend what theyre reading. Part III provides 15 examples of mind mapping uses in school and at home and 5 templates to use in the classroom.

Give mind maps a try. They can be used independently or in conjunction with other literacy instruction programs. Either way, they will bring fun and excitement to the classroom while simultaneously improving thinking, reading, and learning.

FREE BONUS

To help you get started with mind maps, each book also comes with a free 6-month trial of ConceptDraw, DropMind, Inspiration, MindMeister, or XMind Pro. To get your free download code, e-mail the author with your proof of book purchase and program preference.
Books & Magazines Deals
g: 1 Posted By: wwinters
Views: 293 Replies: 0 So as I've said before, the group I foster for prefers I give all the kitties Wellness caned food. This is the lowest price I've seen it:12 can case $23.40, Subscribe and Save 15% off (I bought 4 cases of different flavors then one other S&S item) making it $19.98 per case. These are the large dog food sized cans. The 5.5 oz cans are on sale also but not as cheap per oz.
Chicken
Chicken and Herring
Beef and Chicken
Turkey
Camelcamelcamel shows it's been this price for a few months but it's the lowest it's ever been on Amazon.

Pets Deals

Amazon Coupons
Verizon FiOS - Free speed upgrade and more new offers
Added on : Sunday July 20th 2014 05:00:02 PM
g: 0 Posted By: BADADVICE
Views: 62 Replies: 0 1. Verizon is giving a free upload speed upgrade to all FiOS customers. Your upload speed will automatically be upgraded to match your current download speed. (e.g. if you are currently on a plan that offers 50 mb/s download and 25 mb/s upload, you will now receive 50 mb/s upload for free). This upgrade will be rolled out over the next few weeks starting Monday, 7/21. You might get the upgrade sooner if you sign up for the free "My Rewards" program from the My Verizon website.
Details about this free upgrade

2. Click the Add/Upgrade Services link from the My Verizon website to view the offers/bundles available to you. Some customers have reported some very good offers, giving more internet speed while lowering their monthly bill. Not all members receive these offers and the are separate from the free speed upgrade.


My Verizon Link
Wellness 12 1/2 oz caned cat food case as low as $19.98 Amazon S&S
Added on : Sunday July 20th 2014 04:00:03 PM
g: 0 Posted By: wwinters
Views: 147 Replies: 0 So as I've said before the group I foster for prefer I give all the kitties Wellness caned food. This is the lowest price I've seen it:12 can case $23.40, Subscribe and Save 15% off (I bought 4 cases of different flavors then one other S&S item) making it $19.98 per case. These are the large dog food sized cans. The 5.5 oz cans are on sale also but not as cheap per oz.
Chicken
Chicken and Herring
Beef and Chicken
Turkey
Camelcamelcamel shows it's been this price for a few months but it's the lowest it's ever been on Amazon.

Pets Deals

Amazon Coupons
If I can't clear 10 per year, I'd rather hold gold with that money
Added on : Sunday July 20th 2014 11:00:08 AM
g: 0 Posted By: nicj4070
Views: 31 Replies: 4 We've averaged 5% per year inflation, since I started watching it in 1970. Gas was 40c a gallon, folks. A new Colt gov't model .45 was $135, rent was $50 per month, at most. A brand new, 400+ Cubic inch car, with AC, etc, was $4000, Ford or Chevy.

So any "investment" that doesn't make 6% minimum (before tax) is just losing money. Sure, gold CAN take a nose dive, but it can also double in price in a very few years, too. In 2004, I bought gold at $450 an oz. It went all the way to $1800, fell off, found support at $1200 an oz, and has been $100 or more over that price ever since. A lousy5% (after tax and inflation) just aint worth tying up much money into.
Investing Deals
g: 0 Posted By: jskins
Views: 172 Replies: 0 Today Only - The Limited: 60% Off Dresses & Skirtsusing coupon code DAYONE with free shipping on $125+ (or $8.95)

A few notables:

Lace Sheath Dress- Was: $108.00 Now: $43.20
Crochet Lace Pencil Skirt- Was: $69.95 Now: $27.98
Scarf Print Shift Dress(pictured) - Was: $89.95 Now: $35.28

Clothing Deals

The Limited Coupons
g: 0 Posted By: flyhighutah
Views: 97 Replies: 0 Amazon
LINKRed
LINKBlue
LINKBlack

Mixed reviews on Amazon, I personally owned this and really satisfied with the performance. I paid $12 few month ago.
g: 2 Posted By: VivYip
Views: 313 Replies: 2 the Target ad for 7/20 has a few decent back to school items

front page
0.99 items
-elmer's 6pk glue stick
-up&up 12pk colored glue sticks
-sharpie 2pk fine or ultra fine
-Mead 70 sheet composition or spiral bound notebook
-Mead 5-star 4 pocket poly folder
$8 Texas instruments TI-30XIIS scientific calculator
$7 lexar 16gb usb drives

backpacks
$25 trans by jansport backpacks
$20 ipack or double dutch club
$30 grip by High Sierra or ful
$12 licensed backpacks
$8 lunch gear

other BTS items
$2 items
-up&up 1" deluxe D-ring binder
-up&up 24 tc washable crayons
$1.50 items
-up&up 1 subject 100 sheet notbook colege or wide ruled
-Mead five star poly folder
$4 up&up 216 pc office accessory value pack
0.99 up&up 8ct mechanical pencils
$5 items
-pilot G2 5ct roller pens
-scotch magic 2pk tape
$12 sharpie 15 ct permantne marker set with display case

clothing
$16.99 wrangler men's regular or relaxed fit jeans

Hanes
-9.50 6+2pk cotton panties
14.49 v-neck t-shirt or boxer briefs
7.49 boys socks, tees, girls panties
$12 2pk seamless bras
buy 1, get 1 50% off Hanes premium items

college shop(?)
$16 items
-XL twin sized romme essentials reversible comforter or blanket
-XL twin sized T-shirt soft jerset sheet set


coupons in ad
$10 off $50 home purchase coupon (for coupon delivered to your smartphone, text DECOR to Target (827438)
$5 off $15 personal care purchase
$15 off $50 dog/cat purchase

other?
$35 sunbeam 0.7 cubic ft microwave
upto 15% digital gift cards at Target.com
$7.49 tide laundry 69oz 36 load or 75ox 48 load
$6.99 fabric card downy 120 load or bounce 200ct
$10.39 cascade complete 43-60ct action pacs

I only noticed this stuff due to the back to school items... (i usually pay more attention to office supply and Newegg stuff, so I'm not that familiar with what might be hot from Target) links will hopefully be added tomorrow if possible

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

Target Coupons
g: 0 Posted By: remick
Views: 48 Replies: 0 http://www.amazon.com/Speed-Math-Bible-electronic-mathematical-e...

How about a book that will explain you how mathematics can give you countless strategic tools to let you earn more money, do better and better at work, improve your study, get back into shape and be always at your best?

How about a book that can show you how to bring destiny on your side in gambling games like Poker and Blackjack just with a couple of mental sums?

How about a book that can easily teach you to sum, divide, multiply even between 5-figure numbers in 10 seconds?

Well how about taking a look at "The Speed Math Bible"? Directly from the years-long research of two software engineers, a revolutionary book that will show you mathematics from a completely new point of view. You'll rapidly learn how to perform extremely complex calculations within a few seconds, you'll acquire precious key-competencies for the academic and business world and you'll see how many priceless strategic tools for the everyday life can be built just by using the simple mathematics you learnt at school. Game theory, Probability Theory, Vedic Mathematics, War strategy, ancient cultures and modern studies will weave themselves together in a volume you'll hardly forget and you'll always want to keep in your library!
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/dp/B0084JDD44/

Here are the chapters in Volume I. They'll give an idea of how far this segment will take you:

Introduction
Chapter One - The Basics
Chapter Two - Game Selection (Rule/Number of Decks/Penetration)
Chapter Three - Basic Strategy
Chapter Four - The Running Count
Chapter Five - True Count Conversion
Chapter Six - Betting Basics
Chapter Seven - Advanced Strategy

Hype...

The radically new information is in Volume II and III, but there's new stuff mixed into "the fundamentals" that I've never seen in print.

The riddle of five and six...
What they didn't tell us about penetration...
How to calculate blackjack frequency...
How to convert the true count to the quarter deck in two deck...
How to convert when a fourth or half deck is burned off the top...
Another look at those "other players"...
Advantage doubles as distance is halved...
Standard deviation simplified...
How long we can be behind...
Depth charging taken a few steps further...
Reebok Outlet Coupon: Extra 40% Off Select Basketball Shoes
Added on : Saturday July 19th 2014 04:00:07 AM
g: 0 Posted By: ShoppingChick
Views: 100 Replies: 0 Reebok Outlet is offering an Extra 40% Off Select Basketball Shoeswith coupon codeJULYRETROfree shipping.

A few notables:

Question Mid Ghost of Christmas Future- $41.98
Shaq AttaqGhost of Christmas Present- $83.98
Sir Jam Mid- $38.98

Shoes Deals

Reebok Coupons
g: 0 Posted By: remick
Views: 110 Replies: 0 http://www.amazon.com/gp/product/B00JOYF70G/

Quite often the students of Architecture get confused during the first few years of their studies in the University. The confusion arises due to a number of genuine reasons. Unlike the jobs of a Chemical or Computer Engineer, the works of an architect is openly seen, understood, appreciated or criticised by the common people. The architects create something which is used by all. Naturally the students of Architecture know or believe that they know about the works of the Architect. But then they discover that the knowledge they are taught or the problems they are assigned during the first few years do not have any resemblance with the works of an architect.

In doing architectural design the architect needs to know and apply the knowledge of a lot of subjects in order to take care of the various aspects of the builtform. Prominent among these aspects are: Visual, Functional, Climatic, Acoustics, Tactile, Olfactory, Cultural, Psychological, Social, Material-related, Structural, Economic, Constructional etc. Of all these, the visual aspect is the first and foremost aspect to learn. The principles of creation of visual beauty have been devised mostly by the artists. In the universities, the teachers of architecture also use those, even though in the contemporary age, the job of the architect is in no way comparable with those of the Artists. In Artists creation and evaluation what matters most is emotion and not logic. On the other hand the Architects design must have logical basis, because design is only a part of their job. The job in its entirety depends upon materialization through construction. This reality demands that the principles for creation of beauty followed by the Architects should be different more of logic-based, and not emotion. For the students of Architecture, Composition is the mother subject of creation of beauty. In this book endeavour has been done to present Composition more of a logic-based subject.

If the Architects works are taken to be the light-house to which the students shall proceed, alike the rowing of the boat Composition is the most essential skill to acquire. Some of the thoughts presented in this book are entirely my own and the responsibilities go only to me.

Architecture is a creative subject. No creative subject can in fact be taught to the students. They can only be taught the methods and skills for such creation. The sole purpose for which I have written this book is to make the first learning experience of the students of Architecture enjoyable and pleasant. If the students find it helpful, I shall consider my pains worthwhile.
Books & Magazines Deals
g: 0 Posted By: thedarsts
Views: 183 Replies: 0 If you're in the market for a double-DIN navigation unit with full smartphone integration; this is a pretty sweet deal.
Clarion NX404 for $445 then $100 rebate. Great features and great reviews. (See more details and more reviews atCrutchfield
Amazon NX404 Product Link

Alternatively, there is the NX604 for $665 then $100 rebate but I just bought the last one so you'll have to wait for re-stock. The NX604 adds SiriusXM capability AND a really cool feature called Intelligent Voice, making voice control more user friendly.
Amazon NX604 Product Link

On both of these, be sure to purchase from Amazon, not an Amazon seller.
You'll see it say "Ships from and sold by Amazon.com."
Clarion shows that Amazon is authorized retailer here:Authorized Dealers
Rebate form found here:Rebate

Now for some info on the NX404: (ripped from Crutchfield)Your in-dash multimedia and smartphone command centerWhether you rock an iPhone or Android smartphone, you want a receiver that gives you the most control. Clarion's NX404 navigation receiver not only delivers accurate guidance and a wealth of entertainment options, but it gives you safe ways to integrate your phone so you and your passengers can stay connected on the go.It all starts with the gorgeous 6.2" touch displayThe NX404's 6.2" screen gives you a great view of the receiver's built-in maps of all 50 states, plus Puerto Rico and Canada. You'll have access to over 11 million points of interest, along with 3D mapping that allows realistic views of terrain, buildings, and landmarks in select metropolitan areas. The display also supports "flick" operation, just like your smartphone. Animated menu icons that can be dragged and dropped give your dash a little personality, while allowing you to prioritize functions and A/V sources.Bluetooth for hands-free calls and streaming musicBuilt-in Bluetooth lets you talk hands-free on your compatible phone so you can keep your hands on the wheel. When a call comes in, you can tap the screen to answer the call and hear your caller over the speakers. And you can even stream tunes if your phone or other device supports it. The NX404 features a built-in microphone, or you can add an optional external mic for added clarity during calls in problem vehicles.Android smartphone integrationConnect a compatible Android smartphone to the NX404 with an HDMI cable to enjoy the receiver's Android compatibility, which allows you to see the display of your smartphone right on the receiver's screen. You can do a lot of cool stuff when you're parked, like check out photos and high-definition video, surf the web, and view smartphone apps on the 6.2" display.Clarion caters to the iPhone, tooApple users can enjoy direct iPod and iPhone audio control with a simple USB connection or via Bluetooth. iPhone 5/5c/5s users will need to add a couple of more adapters, including an HDMI cable and anApple Lightning Digital AV Adapterto get full access to audio and video content from their device.Pandora Internet radio as you roamTake your Pandora stations with you run the free Pandora app on your phone and control it from the NX404's touchscreen. You can skip tracks, change stations, and thumbs up/thumbs down songs just like you do online. For the iPhone, you'll need a USB or Bluetooth connection; Android phones control Pandora via Bluetooth.A sound choiceInto full-resolution audio files? The NX404 will play lossless FLAC audio files from your flash drive, so you can enjoy up to 24-bit/192 kHz clarity behind the wheel. Clarion's powerful built-in amp does a great job driving your speaker system. You can choose from four preset tone settings, or make your own using the 3-band parametric equalizer. The subwoofer volume control lets you dial in just the right amount of bass if you've got a sub hooked up, and you've got high- and low-pass filters for further sound customization. Clarion includes a handy remote for additional tweaking.Get connectedThe NX404 boasts myriad connection points beyond the HDMI input. You'll find a pair of USB inputs on the receiver's back panel, useful for plugging in a dedicated MP3 player plus a flash drive, and you can use the front 3.5mm A/V input and rear RCA A/V inputs for hooking up external sources. A dedicated rear-view camera input allows you to add a layer of safety to your travels. Three sets of 2-volt preamp outputs let you add amplifiers and subwoofers to the mix.Fun for the cinematically inclinedEnjoy watching DVDs up front while you're parked, or hook up a video screen in the back so the kids can watch movies as you drive thanks to Clarion's "2-Zone" operation, your backseat gang can watch a video while you and your co-pilot enjoy music up front.Want to keep your car's steering wheel audio controls?In most vehicles, you can use an adapter to connect your vehicle's steering wheel controls to this Clarion stereo. Connect a few wires, then program the adapter for your particular car and the Clarion, and you'll retain the convenience of your steering wheel controls. Check the "Accessories" tab for compatible adapters.iPod/smartphone note:If you're going to use your iPod or smartphone with this receiver, be sure to check "Details" for compatibility information.Bluetooth note:Use of this receiver's Bluetooth features will depend upon your phone's Bluetooth capabilities. Learn more in ourarticle explaining Bluetooth profiles.Highlights:


General features:

DVD/CD receiver with 6.2" touchscreen and AM/FM tuner
fits double-DIN (4" tall) dash openings
internal amp (18 watts RMS CEA-2006/50 watts peak x 4 channels)
built-in Parrot Bluetooth for hands-free calling and audio streaming
built-in iPod, iPhone, and iPad control (see Details tab for model compatibility)

HDMI cable and AppleLightning Digital AV Adapterrequired for viewing video content from Lightning devices
ClarionCCA750cable required for viewing video content from older Apple devices

HDMI compatibility for select Android devices when parked requires optional HDMI adapter
Pandora control through iPhone and Android
plays lossless FLAC audio files from your flash drive
remote control

Navigation features:

maps of United States, Canada, and Puerto Rico, plus 11 million points of interest
text-to-speech announces actual street names at turns
lane guidance and junction view
3D representations of select buildings, landmarks, and terrain

Audio/video features:

plays CDs, DVDs, and USB drives (see Details for full capabilities)
3-band parametric EQ with 4 presets
low- and high-pass filters
bass boost
dual-zone A/V output

Expandability:

inputs: dual rear USB inputs; front 3.5mm input; rear RCA A/V input; rear-view camera input
outputs: 6-channel preamp outputs (2-volt front, rear, subwoofer); video output



Electronics Deals

Amazon Coupons
Lug Sole Chest Wadres for $55.99 from Cabelas
Added on : Friday July 18th 2014 10:00:03 AM
g: 0 Posted By: Omel
Views: 73 Replies: 0 Looks like they are selling fast but a few sizes still up, might be helpful.

http://www.cabelas.com/product/Cabelas-Three-Forks8482-Insulated...
Clothing Deals

Cabela's Coupons
Airline --gt; Hotel Points
Added on : Friday July 18th 2014 01:00:07 AM
g: 0 Posted By: silkp23
Views: 19 Replies: 0 Anyone know which airlines allow miles to be transferred to Marriott or Holiday Inn points? I fly often, but not enough to get status. Basically throwing this points away the last few years.

Thanks!
Hotel Deals
NETGEAR - NeoTV Streaming Player $19.99 @ Best Buy
Added on : Thursday July 17th 2014 07:00:03 PM
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 Stream movies, TV shows, music, sports, news and more
Expand your entertainment options with hundreds of channels*, plus thousands of movies and TV shows from services like Netflix, Hulu Plus, Vudu, CinemaNow and more.
Navigate your entertainment choices the way you want
Launch your favorite channels with Quick Start buttons on the included remote, or turn your smartphone or tablet into a touch-screen remote with the Android or iOS app.
Set up with a few simple steps
Connect the player to your TV with an HDMI cable (sold separately), and then connect to the Internet wirelessly** or with an Ethernet cable (sold separately).
Support for high-quality video and sound
HDMI connection supports your TV's video quality up to 1080p HD and 5.1 Dolby Digital Plus surround sound.
Wireless connectivity
Built-in Wi-Fi connects to the Internet through your wireless home network.**
Compatible with most TVs
Works with any TV with an HDMI input.

www.bestbuy.com/site/netgear-neotv-streaming-player/6577347.p?id...
TV Deals

Best Buy Coupons
g: 0 Posted By: jisab
Views: 93 Replies: 0 http://www.amazon.com/StorageIdeas-Compartment-Chocolate-Organiz...

was: $69.99
sale: $39.99

features:
*16 durable reinforced cubbies create 16 separate storage cubbies for multiple uses, hold up to 16 pairs of shoes or accessories
*Stackable, Made from durable wipe clean polyester fabric, easy to clean
*Installs easily in just a few quick steps
*Also works great in bedroom for storing scarves, purses, hats, and other accessories, or in home offices and classrooms for bills and school work
*Maximize floor space and be a great dcor to your house
Home & Garden Deals

Amazon Coupons
g: 0 Posted By: ILoveToRead
Views: 101 Replies: 1 If you like Epic Fantasy Genre here are some deeply discounted and even free books (and audiobooks) with links to many platforms. I personally prefer Google Play, but many like Amazon more so I include that plus a few more platforms for those like myself. All but the last one are things I read and recommend. I will add more in a bit either here, wiki or comments.
-----------------------------------------------------------------------------------------

$2.99. Awesome deal given how HUGE the book is (it's 1005 pages, the size of most Trilogies!) , not to mention how good!
The Way of Kings
Brandon Sanderson
4.5 out of 5 on google play

Widely acclaimed for his work completing Robert Jordans Wheel of Time saga, Brandon Sanderson now begins a grand cycle of his own, one every bit as ambitious and immersive.
Roshar is a world of stone and storms. Uncanny tempests of incredible power sweep across the rocky terrain so frequently that they have shaped ecology and civilization alike. Animals hide in shells, trees pull in branches, and grass retracts into the soilless ground. Cities are built only where the topography offers shelter.
It has been centuries since the fall of the ten consecrated orders known as the Knights Radiant, but their Shardblades and Shardplate remain: mystical swords and suits of armor that transform ordinary men into near-invincible warriors. Men trade kingdoms for Shardblades. Wars were fought for them, and won by them.
One such war rages on a ruined landscape called the Shattered Plains. There, Kaladin, who traded his medical apprenticeship for a spear to protect his little brother, has been reduced to slavery. In a war
that makes no sense, where ten armies fight separately against a single foe, he struggles to save his men and to fathom the leaders who consider them expendable.
Brightlord Dalinar Kholin commands one of those other armies. Like his brother, the late king, he is fascinated by an ancient text called The Way of Kings. Troubled by over-powering visions of ancient times and the Knights Radiant, he has begun to doubt his own sanity.

Google Play
https://play.google.com/store/books/details/Brandon_Sanderson_The_Way_of_Kings?id=OHclhBVv-X4C
Amazon Kindle
http://www.amazon.com/Way-Kings-Stormlight-Archive-Book-ebook/dp...
iTunes Bookstore
https://itunes.apple.com/us/book/the-way-of-kings/id376229549?mt=11

Kobo and BN Nook are $8.99 sadly, but proves the point of how hot this is I think.

Also, for those who like audiobooks once you get the Amazon Kindle 2.99 book, they will allow you to buy the audiobook version for $12.99, which is usually a whooping $63.93.
http://www.amazon.com/The-Way-Kin...150&sr=1-1

------------------------------------------------------------------------------------------------------------------------------------------------------

FREE
The Sorcery Code (The Sorcery Code: Volume 1)
4.5 out of 5 on google play
***FREE for a limited time to celebrate the release of The Spell Realm (The Sorcery Code: Volume 2)***
From the internationally bestselling authors who brought you the Krinar Chronicles comes a captivating tale of intrigue, love, and danger in a world where sorcery is entwined with science . . .
Once a respected member of the Sorcerer Council and now an outcast, Blaise has spent the last year of his life working on a special magical object. The
goal is to allow anyone to do magic, not just the sorcerer elite. The outcome of his quest is unlike anything he couldve ever imagined because, instead of an object, he creates Her.
She is Gala, and she is anything but inanimate. Born in the Spell Realm, she is beautiful and highly intelligent and nobody knows what shes capable of. She will do anything to experience the world . . . even leave the man she is beginning to fall for.
Augusta, a powerful sorceress and Blaises former
fiance, sees Blaises deed as the ultimate hubris and Gala as an abomination that must be destroyed. In her quest to save the human race, Augusta will forge new alliances, becoming tangled in a web of intrigue that stretches further than any of them suspect. She may even have to turn to her new lover Barson, a ruthless warrior who might have an agenda of his own . . .

Google Play
https://play.google.com/store/books/details/Dima_Zales_The_Sorcery_Code?id=tOYiAgAAQBAJ&hl=en
Amazon Kindle
http://www.amazon.com/Sorcery-Code-Fantasy-Romance-Intrigue-eboo...
Kobo
http://store.kobobooks.com/en-US/ebook/the-sorcery-code
iTunes Bookstore
https://itunes.apple.com/us/book/the-sorcery-code/id748224494?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-sorcery-code-dima-zales/1117...

If you like audiobooks, in this case, after you get the free book on Amazon, you can get the audio for $1.99 (it's usually $19.99)

http://www.amazon.com/The-Sorcery-Code-Fantasy-Intrigue/dp/B00HK...

-----------------------------------------------------------------------------------------
FREE
The Prince of Ravens (The Exile Trilogy) by
Hal Emerson
The Prince of Ravens has vanished.
4.7 on Amazon
Word spreads quickly from the Fortress of the Empress, through the dark streets of Lucien, and to the far corners of the Empire of Ages. The Children are summoned to the Fortress, and the people talk in muffled whispers, if they dare to talk at all, of secret plots and ancient prophecies. Some say the Prince was murdered, others that he was kidnapped; but underneath it all runs a darker word, one full of terrifying possibility:

Exile.

Rumor begets rumor, and soon the whisper of truth is lost in the swirling winds of growing fear. For the Prince of Ravens is the prophesied Lord of Death, and on his shoulders rests the fate of the Empire.


Amazon Kindle
http://www.amazon.com/The-Prince-Ravens-Exile-Trilogy-ebook/dp/B...
Kobo
http://store.kobobooks.com/en-US/ebook/the-prince-of-ravens
iTunes Bookstore
https://itunes.apple.com/us/book/the-prince-of-ravens/id578065257?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-prince-of-ravens-hal-emerson...
-----------------------------------------------------------------------------------------
The Darkness Abides
5 stars on barns and noble (only 1 review though)
Two men lie adrift at sea, castaway in the search for one's future, and the other in search of his past. When they drift to a land of perpetual darkness designed as an elaborate labyrinth, they begin to realize that they've stumbled upon the path toward what they each seek, but the trail may be more hazardous than they anticipated.
Released initially as a series of short installments, the entirety of this story comprises the length of a full-size novel. Readers who enjoy serialized fiction and dark fantasy with a bit of suspense will enjoy this series.

Google
https://play.google.com/store/books/details/L_Harcroft_The_Darkness_Abides_Vol_1?id=pyTuAgAAQBAJ
Amazon
www.amazon.com/Darkness-Abides-Vol-1-L-Harcroft-ebook/dp/B00IO1P...
Kobo
http://store.kobobooks.com/en-US/ebook/the-darkness-abides-vol-1...
BN Nook
http://www.barnesandnoble.com/w/the-darkness-abides-l-harcroft/1...


Please post your own finds, especially stuff you read and liked!

Books Deals

iTunes Coupons
g: 0 Posted By: jskins
Views: 207 Replies: 1 Seagate Barracuda 3TB 64MB SATA3 HDD (ST3000DM001)- $69.49 using coupon codeNAH133687 + $15 coupon(you will need to enter an email address--if you have used this promo already, you will need to enter a new email address) and $20.00 rebatewith free shipping at Tiger Direct. 4.5/5 stars based on 188 customer reviews.

SATA 6Gb/s interface
64MB cache
7200RPM


The next lowest price for this item from a rated merchant on Google Shoppingis $102.99.

The last time I postedthis item (a few weeks ago) the price was $89.99.
Hard Drives Deals

Tiger Direct Coupons
Job Resignation Timing Dilemma
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: antiorg
Views: 621 Replies: 18 Hello all,

Brief background
Currently a IT Risk Assurance Manager who works for a Big 4 accounting/consulting firm (KPMG, PwC, Deloitte, Ernst&Young), I've been working in the Big 4 for 9 years now, which is much longer than the average time someone "lasts." 7 years at one firm, and 2 years at another (where I currently work). I like the work and people, but sick of the long hours (10+ hour days, work 12-17 hour days between Nov and Feb for report deadlines). Looking to move to an internal role with better work/life balance, or something entirely different where my skills could still benefit me.

Status
Been looking to leave as soon as another good opportunity pops up, but at the Manager level openings pop up less frequently than at the staff level, so it's been a bit of a waiting game for the "right" job to come along, but I know it will come. I want to leave my current position asap, but also don't want to settle for the next mediocre opportunity to come along- it has to be a good one (as far as work/life balance, commute, type of company, details of role). I can also afford to take a significant amount of time off from work, due to the money I've saved, and some other smaller income streams (2 rental properties). In fact, I'd really prefer this- after working for 9 years in the Big 4, I'm pretty burnt out and in a small way have neglected some other aspects of my life- hobbies/interests I've wanted to pursue, travel, family/friends, other business ideas/investments, home projects, etc. Would be great to have a number of months off before starting another job.

Dilemma
I have a bonus of around $10k for past performance (7/1/13-6/30/14) that will be paid out on October 1. Given the above, if I can't find a position within the next couple of weeks (unlikely), I'm am thinking of giving the company my resignation notice of a few months in advance, and telling them I'll be leaving sometime in October. The two main risks I see are:

a) Fear is that they will involuntarily terminate me earlier just so that they don't have to pay me my bonus (which I already earned). However, I may be overstressing this point, since there is a reputational risk to them doing this, plus then I would become eligible for unemployment, which could end up costing them around the same.
b) If I have a break in employment, and I become unemployed for a period of time, I may not be as attractive of a candidate to a future employer. I know I won't have any issues finding a decent job given my resume, but it may preclude me from getting the "best" job that I could have gotten, had I been currently employed. But, I could always make up a story to explain the gap in time.

Questions
Am I overthinking this? Any other risks I'm not thinking of? Any laws (I'm in Phiadelphia, PA) that may protect me for the first risk? Any advice or past experiences this group can provide would be greatly appreciated.

PS. I'm a FWF Sr. Member, been around for 2 years- sorry for creating the new ID but didnt want this level of personal detail to be potentially traceable back to my name.

Thanks all!
Personal Finance Deals
Job Resignation Timing Dilemna
Added on : Thursday July 17th 2014 06:00:09 AM
g: 0 Posted By: antiorg
Views: 260 Replies: 7 Hello all,

Brief background:
Currently a IT Risk Assurance Manager who works for a Big 4 accounting/consulting firm (KPMG, PwC, Deloitte, Ernst&Young), I've been working in the Big 4 for 9 years now, which is much longer than the average time someone "lasts." 7 years at one firm, and 2 years at another (where I currently work). I like the work and people, but sick of the long hours (10+ hour days, work 12-17 hour days between Nov and Feb for report deadlines). Looking to move to an internal role with better work/life balance, or something entirely different where my skills could still benefit me.

Status:
Been looking to leave as soon as another good opportunity pops up, but at the Manager level openings pop up less frequently than at the staff level, so it's been a bit of a waiting game for the "right" job to come along, but I know it will come. I want to leave my current position asap, but also don't want to settle for the next mediocre opportunity to come along- it has to be a good one (as far as work/life balance, commute, type of company, details of role). I can also afford to take a significant amount of time off from work, due to the money I've saved, and some other smaller income streams (2 rental properties). In fact, I'd really prefer this- after working for 9 years in the Big 4, I'm pretty burnt out and in a small way have neglected some other aspects of my life- hobbies/interests I've wanted to pursue, travel, family/friends, other business ideas/investments, home projects, etc. Would be great to have a number of months off before starting another job.

Dilemma
I have a bonus of around $10k for past performance (7/1/13-6/30/14) that will be paid out on October 1. Given the above, if I can't find a position within the next couple of weeks (unlikely), I'm am thinking of giving the company my resignation notice of a few months in advance, and telling them I'll be leaving sometime in October. The two main risks I see are:

a) Fear is that they will involuntarily terminate me earlier just so that they don't have to pay me my bonus (which I already earned). However, I may be overstressing this point, since there is a reputational risk to them doing this, plus then I would become eligible for unemployment, which could end up costing them around the same.
b) If I have a break in employment, and I become unemployed for a period of time, I may not be as attractive of a candidate to a future employer. I know I won't have any issues finding a decent job given my resume, but it may preclude me from getting the "best" job that I could have gotten, had I been currently employed. But, I could always make up a story to explain the gap in time.

Questions
Am I overthinking this? Any other risks I'm not thinking of? Any laws (I'm in Phiadelphia, PA) that may protect me for the first risk? Any advice or past experiences this group can provide would be greatly appreciated.

PS. I'm a FWF Sr. Member, been around for 2 years- sorry for creating the new ID but didnt want this level of personal detail to be potentially traceable back to my name.

Thanks all!
Personal Finance Deals
Accidentally mobile deposited a check twice
Added on : Thursday July 17th 2014 04:00:09 AM
g: 0 Posted By: awstick
Views: 36 Replies: 0 I tried to mobile deposit a check using my primary bank but I got a software error and it looked like the deposit didn't go through. I checked the deposit history in app to make sure it didn't go through (it hadn't) and figured their server must be down or something so I deposited again using mobile deposit at another bank which went fine. A few days later I notice the deposit had posted to the original account as well, so it was deposited twice. I contacted support at both banks and was told by both to basically just wait because it would bounce at one of the two banks. I figured I would just keep the money in both accounts and see what happens.

Well that was over 6 weeks ago and there's still no sign of the money being taken out of either account. I'm not sure how this is even possible as I imagine it would have had to bounce by now. I figure I'm going to have to give the money back one way or the other so I just want it resolved as soon as possible, but I thought it would be automatic.What's my next course of action? Contact the payor? The check was issued by something like Helix Global Solutions as a payment from a rewards program. It's a third party payment processor for a bank I use and their website has no contact information on it.


Personal Finance Deals
Negative Balance in Chase Ultimate Rewards
Added on : Thursday July 17th 2014 03:00:06 AM
g: 0 Posted By: horse9118
Views: 17 Replies: 0 Hi guys, so I got an Ink Bold card a few weeks ago and I was thinking of closing my Sapphire Preferred since annual fee on that thing is due. So I transferred all my Ultimate Rewards points from Sapphire to the Ink Bold account. However, I didn't account the fact that I returned a TV a few days before and when the return got processed, Chase took back the points they issued me for the TV. So now I have a -445 points balance in my Sapphire UR account. The good news is that I haven't spent those points yet so I could transfer them back and bring the balance to 0. I still want to close that card, but what would Chase do about the negative balance? Would the negative points get wiped away or would Chase charge me for those points? Anyone ever have to deal with this?

Thanks
Personal Finance Deals
Free ebook "101 Best Cupcake Recipes" Kindle version @Amazon
Added on : Wednesday July 16th 2014 06:00:04 PM
g: 0 Posted By: imagine1128
Views: 25 Replies: 0 101 Best Cupcake Recipes: Sweet, Savory, Satisfying - Cupcakes For Everyone [Kindle Edition]
Donna K Stevens (Author)
4.5 out of 5 stars 11 customer reviews
Digital List Price:WAS $2.99 now FREE

​http://www.amazon.com/dp/B00C6QZNX0/

From Amazon#1 Best Selling Cupcake Book"The popularity of cupcakes is growing more and more each day. Having the knowledge of these recipes helps ensure that you can be part of the cupcake trend. You will find all the recipes you need including filled cupcakes, vegetables cupcakes and cheesecake cupcakes, to name a few. In addition, you will find the perfect toppings for each type of cupcake in the frosting chapter.

Each of these recipes will surprise you with different ingredients, maybe even some you have never used before. Step into a new aisle in the grocery store and gather up the ingredients you will need to make the perfect dessert for your next gathering CUPCAKES!"
Totally Free Deals
Financial implications of injury from auto accident
Added on : Wednesday July 16th 2014 04:00:08 PM
g: 0 Posted By: WhamBamTk
Views: 115 Replies: 0 Hello Fatwallet,

Please excuse the throwaway.

My wife was involved in a small car accident. She was rear-ended while stopped at a crosswalk. The other driver was cited.

The accident was at a relatively low speed. The other driver's car hit our trailer hitch and had some front bumper damage. Our car had some chipped paint on the bumper. No big deal; it's older.

She was experiencing some neck pain at the scene and was transported to the hospital via ambulance for x-rays. She already receives SSDI for an issue that - in part - involves her neck.

We have two uncertainties at this point:

1.) We are afraid about how our health insurance will treat this in the long term. That is to say, after this is all sorted out with the car insurance companies, would they ever blame long-term neck issues on the accident and deny payment?

2.) Is this something that requires a lawyer? The medical effects from this accident appear minor at this time, but we will know more later. Right now, we are not looking for anything but the payment of medical bills. We will not know the full extent of those for at least a few months.

I haven't seen a scenario like this on previously posted threads and would greatly appreciate any advice.

Many thanks.
New User Question Deals
Free Scrum Fundamentals Certified course + 10 PMI PDUs
Added on : Wednesday July 16th 2014 06:00:10 AM
g: 0 Posted By: Badshah69
Views: 90 Replies: 0 PMPs, take note of this offer!

Group: SCRUMstudy - #1 Group for Scrum and Agile; Download Free Scrum Body of Knowledge(340 pages)
Subject: Announcement from SCRUMstudy: Please complete your Free online certification course and become "Scrum Fundamentals Certified"; Recommend to your friends.

Have you completed your Free SCRUMstudy Certification course "Scrum Fundamentals Certified?" If not, please complete this course as soon as possible - start today and you can finish it within a few hours of study! Here is the link to enroll in this course:http://www.scrumstudy.com/Scrum-Fundamentals-Certified.asp

This is a fun online self-study course including videos, free SBOK Guide and a case study. And, at the end of the course(few hours of study), you will have:
a) Introductory knowledge of the Scrum framework and how to use it effectively in your projects
b) "Scrum Fundamentals Certified" certification - which will look great on your resume or LinkedIn profile.
c) 10 Free PMI PDUs which is valid for certified PMPs/CAPMs

Also, please share this email/message with your friends - so that they can also get access to this free certification course - "Scrum Fundamentals Certified"

Let us work together to grow the Scrum and Agile community!
Posted By SCRUMstudy (Accreditation Body for Scrum and Agile)
Totally Free Deals
Does IRS recognize a foreign marriage certificate?
Added on : Tuesday July 15th 2014 12:00:08 PM
g: -1 Posted By: stuckinlimbo
Views: 149 Replies: 8 Due to the marriage penalty tax, my SO and I have chosen not to get married on paper. Everything has been good these last few years (we saved about 7k in taxes so far), but recently with Obamacare, her employer sponsored health insurance cost has gone up drastically. For a procedure that used to cost $250 out of pocket, we are looking at $5k now this year (the benefit was basically cut from her plan). However, under my health plan, the OOP cost would be $500. I would like to add my SO to my employer health plan, but need a marriage certificate to do so. If I got a marriage certificate from another country, would the IRS recognize it which would then force us to file as a married couple?
Tax Deals
Reasonable Cash Tips to Hotel Maids = Deductible Biz Expense?
Added on : Tuesday July 15th 2014 07:00:06 AM
g: 0 Posted By: robronson
Views: 130 Replies: 3 I leave a tip for maids at hotels when I travel for work. I'm probably on the cheap side, but I leave $10 a week (for a 4-day work week). I figure $10 is reasonable to deal with my post-Taco-night toilet cleanings for a few days.

I don't submit these cash tips to my client for reimbursement because I feel weird about it even though I've heard some consultants do. Can I deduct these as a business expense? I obviously have no documentation/receipt. I could start keeping track in my own Excel spreadsheet but not sure if the IRS would consider that proof during an audit. I read in one of the IRS publications that cash tips are considered a business expense.

Anyone deduct these? Anyone know what the max is one can leave for a tip and not raise red flags during an audit? Obvious if you claim to leave a $100 cash tip each night, the IRS will call BS. But I think I read online $5 to $10 per night is considered a usual tip for a maid, which puts my $2.50 to shame.

Any experiences with this?
Personal Finance Deals
g: 0 Posted By: remick
Views: 29 Replies: 0 http://www.amazon.com/dp/B00CR6EJC0

4.4 out of 5 stars (27 customer reviews)

OK, I'm outing myself to you right here and now - I'm basically a "prepper junky".

I've spent most of my adult life doing such things as getting a license to be an Emergency Medical Technician (EMT) and also becoming "CERT (Community Emergency Response Team) Qualified" in Southern California. I've also been in tornadoes (Kansas), hurricanes (Hawaii), earthquakes (California) and even in the L.A. riots of the 1990's, so I guess I know a thing or two about emergency preparedness, and I would like to pass that knowledge on to you.

Most people think "preppers" are a bit looney. They think that we expect the worse to happen, and that we just go through life paranoid. My response to that is, "Better to have the peace of mind that I'm prepared to survive most any disaster than to be a head-in-the-clouds victim who doesn't have a clue."

Fact - in a serious community disaster (like a hurricane, or tornado), emergency response personnel will probably be so overwhelmed that they may not be able to get to you for several days.

Remember Hurricane Katrina and Superstorm Sandy?

Those who are prepared to be self-sufficient for a few days are soooo much better off than those who made no preparations and depend on outside help from the get-go.

Look, there are thousands of people every year who are directly affected by disasters - whether they are natural or man-made. A Bug Out Bag is just one of the things (and probably the easiest) that you can prepare for yourself and your family that will help you survive a disaster situation - whether the disaster is localized to your own house (a fire, for instance), or to your community - even a disaster that's affecting your whole country (civil unrest, maybe?).

So come on along, as this book not only covers Bug out Bags extensively, but also prepares you in other ways, too. You may become the "Go-To" person in your community after reading it and following the suggestions!
Totally Free Deals
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/dp/B008B9G7WM/

4.4 out of 5 stars (33 customer reviews)

Are you looking for the easiest way to start running or have started running before and found it too hard? If your answered yes to either of these questions then Running for Beginners: The easiest way to start running is the book is for you. This running book will guide you along the track to becoming a successful runner by giving you the knowledge and an easy to follow program.


Do you know what three things you need to buy before you even set foot out of the door?
Running is the cheapest sport that you can take part in and you only need a few key pieces of kit to get on the road. The Running for Beginners book discusses these three items so you can go shopping with knowledge.

Do you know what intervals are and how they can get you running for 30 minutes?
Intervals are a training technique used by amateurs and professionals alike to improve their performance. If you are a beginner you can use intervals to start running painlessly and without injury on the way.

Do you know why most people often fail at running?
How many times have you started running only to give up? How many people do you know that have done the same? This book explains why people often fail but it will set you up and give you the tools you need to succeed at running.

The whole ethos of the Running for Beginners and the Running4B training program is to remove the obstacles that often trip up new runners when they are starting out. The book covers everything you need to know to get you running for 30 minutes continuously.

After reading this book you will:

Know what you can gain from running
Know what to wear to be comfortable when out running
Know how to be a consistent runner
Know how to run correctly
Have an easy to follow program - The Running4B Program
Know how to measure progress
Know how to keep motivated
Have access to the downloads area on the support website for free!
Totally Free Deals
g: 0 Posted By: bittul
Views: 116 Replies: 0 If you missed this a few days ago... It's back in stock.

http://www.amazon.com/Covergirl-Clump-Crusher-Mascara-Lashblast/dp/B0094GHJI2/

"Clip" $3 coupon, and checkout via Subscribe and Save.
Makeup Deals

Amazon Coupons
Sony Xperia Z Ultra - Google Play Edition - $349
Added on : Monday July 14th 2014 03:00:02 PM
g: 0 Posted By: coolbreeze
Views: 26 Replies: 0 http://www.expansys-usa.com/sony-z-ultra-google-play-edition-unl...


Looks like Expansys' USA business bought up all the unsold units from the Play store. Yes it's huge. Yes you will look like king dork using it and yes it's a good price for what it is.

Retailed for $649 on Google Play up until a few weeks ago. This runs stock Android (Google Play Edition) and is unlocked. No bloat.
Help needed: WU MO bounced by Chase
Added on : Monday July 14th 2014 08:00:14 AM
g: 0 Posted By: ghasem0
Views: 49 Replies: 6 Couple of months ago I purchased a WU money order at a grocery store ( I kept the mo purchase receipt and the mo stub ). I filled it out payable to myself and deposited together with other mos at my local bank atm ( I kept the deposit atm receipt). Few days after that I withdrew the money.
About a week after the deposit, while making another deposit, I noticed that my account had been overdrawn. I went berserk. Called the bank cs rep, did not get much of help. Called WU and a machine confirmed it was cashed while in bank's possession( a day after the deposit date). Loaded with the receipt, stub and a copy of the bounced mo I headed to the branch where I deposited it in the first place. The banker was very uncooperative if not indifferent/hostile. I was told to wait for the letter from the bank with the legal copy of mo. I got the letter with the legal copy of the mo. The bank letter states the reason: "refer to maker". I called the loss prevention dep rep and was assured that it was their fault and If I deposited the legal copy of the mo again it would not bounce. And that's what I did. I deposited the legal copy inside the branch (kept the deposit receipt). It bounced again and they charged me returned item fee again.Went to the branch again, spoke with the branch manager. She did not help me. According to her there was nothing she could do and advised me to take it to WU.
So I initiated a research with WU. Got a letter from WU with the research payment trail records. It states clearly that the mo was "paid clean" by them and it provided the three different bank sequence numbersone for every time it was presented for payment. It looks like after i deposited the mo at the atm, tschaise presented the mo for payment twice (the very next day after the initial deposit date and again three days later on). Andthe third presentment per WU was a day after I deposited the legal copy inside the branch. So altogether this mo was presented for payment three times. The WU letter says that it was "paid clean" the very first time it was presented and was returned the at the next two presentments.Today I spoke with the bank operating loss prevention department analysts and was advised to go to the branch so they get a copy of WU letter faxed to them.
After spending good three hours in the branch and then again on the phone with loss prevention dep rep I was told to take it back with WU. Spoke with live WU rep for the first time and she told me that there is nothing more they can do.
I kept all the documents related to this mo. Bottom line is that the mo was cashed a day after it was deposited at the atm. At the time of cashing the mo was not in my possession but per the deposit receipt date and time it was in tschaise's possession.
Tschaise has given me a run around for two months already. I am not sure how to proceed from here on, never been in a situation like this one before.
I am sure I am not the first person to encounter a situation like this.
I need you help from guys.
Personal Finance Deals
g: 0 Posted By: tehbonz
Views: 102 Replies: 0 The lens was discontinued and there are not many on the internet for this price. 47th Street Photo is an Authorized Sigma dealer ( http://www.sigmaphoto.com/where-to-buy-sigma?circle_op=%3C&flat%... ). They probably very few left in stock.

Comparison:

Amazon:http://www.amazon.com/Sigma-120-300mm-2-8-Canon-Digital/dp/B004M... - $2699
47stphoto.com -http://47stphoto.com/sigma-120-300mm-f-2-8-ex-dg-os-apo-hsm-af-l... - $2495

If I had the money laying around, this lens would be mine.
SLR & dSLR Deals
g: 0 Posted By: remick
Views: 227 Replies: 0 http://www.amazon.com/gp/product/B00DWTB3DY
4.5 out of 5 stars See all reviews (61 customer reviews)

Using Paul's radical letter to the Philippians as his road map, Matt Chandler forsakes the trendy to invite readers into authentic Christian maturity.
The short book of Philippians is one of the most quoted in the Bible, yet Paul wrote it not for the popular sound bites, but to paint a picture of a mature Christian faith. While many give their lives to Jesus, few then go on to live a life of truly vibrant faith.
In this disruptively inspiring book, Chandler offers tangible ways to develop a faith of pursuing, chasing, knowing, and loving Jesus. Because if we clean up our lives but don't get Jesus, we've lost! So let the goal be Him. To live is Christ, to die is gainthis is the message of the letter. Therefore, our lives should be lived to Him, through Him, for Him, with Him, about Himeverything should be about Jesus.



In His Steps byCharles M. Sheldon
http://www.amazon.com/gp/product/B007TV12VY
4.5 out of 5 stars (138 customer reviews)

This classic that has been inspiring and challenging readers to a spiritual adventure for over a century now gets an updated look for a new generation.



Designed for Devotion: A 365-Day Journey from Genesis to Revelation
http://www.amazon.com/gp/product/B008SAO5TG
4.8 out of 5 stars (67 customer reviews)

Devotionals are designed to bring the reader into a more intimate relationship with God. Dianne Neal Matthews knows no better way for believers to know God more intimately than to immerse themselves in his Word. To that end, her new daily devotional combines fascinating historical background information about the Bible with practical application that readers can implement in their lives each day. She guides readers on a journey through the Bible from beginning to end, highlighting major events, characters, and stories, as well as difficult issues and topics (such as the concept of theophany, God's instructions to the Israelites to show no mercy as they entered the Promised Land, and what seems at first glance to be discrepancies between the Gospels).
Readers new to Bible study or those who long to learn more will appreciate the background information Matthews provides, as well as the way she shows how the Scriptures fit together to form a cohesive work. This is the perfect devotional for anyone who desires to go deeper into the Scriptures as they deepen their relationship with God.



The 7-Day Prayer Warrior Experience
http://www.amazon.com/gp/product/B00ET7Q4LE/
4.7 out of 5 stars (690 customer reviews)

The 7-Day Prayer Warrior Experience is a free eBook from bestselling author Stormie Omartian, developed using excerpts from Prayer Warrior and Prayer Warrior Prayer and Study Guide. Are you equipped for spiritual battle? Take the next seven days to put on the whole armor of God, that you may be able to stand against the wiles of the devil (Ephesians 6:11). Join Stormie as she explains the pieces of armor, what they mean, and how they can help you be a prayer warrior in your spiritual battle. With devotional thoughts, suggested prayers, ways to dig deeper, and opportunities to connect with Stormie and a whole community of prayer warriors, The 7-Day Prayer Warrior Experience will empower you with the truth that He who is in you is greater than he who is in the world (1 John 4:4).



The Prayer Box
http://www.amazon.com/gp/product/B00CH7KXY2
4.7 out of 5 stars (308 customer reviews)

ECPA 2014 Christian Book Award Finalist, Christy Award Finalist, Christianity Today Book Award Finalist!
When Iola Anne Poole, an old-timer on Hatteras Island, passes away in her bed at ninety-one, the struggling young mother in her rental cottage, Tandi Jo Reese, finds herself charged with the task of cleaning out Iola's rambling Victorian house.
Running from a messy, dangerous past, Tandi never expects to find more than a temporary hiding place within Iola's walls, but everything changes with the discovery of eighty-one carefully decorated prayer boxes, one for each year, spanning from Iola's youth to her last days. Hidden in the boxes is the story of a lifetime, written on random bits of paper--the hopes and wishes, fears and thoughts of an unassuming but complex woman passing through the seasons of an extraordinary, unsung life filled with journeys of faith, observations on love, and one final lesson that could change everything for Tandi.
Books Deals

Amazon Coupons
g: 1 Posted By: skidmark
Views: 183 Replies: 0 This has been dropping precipitously over the past few days. I've already ordered and canceled twice since this morning. Note: You will need to add fillers for free shipping if the price drops below $35.00.

This is a well-reviewed video editor that offers several levels of features (read: ease of use.) This physical media version comes with a paper manual, which should come in handy for getting oriented.

Cyberlink PowerDirector 12 Ultra

The 5 times Winner of PCMag Editor's Choice for Best Video Editing Software and Take Video Creation to a Whole New Level: MultiCam Designer, Theme Designer, Design Studio Tools, Motion Blur Effect
Intuitive Editing Environment: Easy-to-use Multiple Start-up Modes, Powerful Editing Tools, Subtitle Room, End-to-End 4K and 3D Editing, Productive Working Environment, Content-Aware Editing
Stunning Effects: More Built-in High-Quality Effects, One-click Color Presets
World's Fastest Post-production: Native 64-bit Support, TrueVelocity 4 Engine, 40% Faster H; 264 Encoding, Optimized for Intel 4th Gen CoreTM
Pro-Quality Video Production: Vast Output Formats, TrueTheater Enhancement



Software Deals

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Package deals + last minute travel sites
Added on : Sunday July 13th 2014 07:00:09 AM
g: 0 Posted By: Mawashi
Views: 28 Replies: 0 Few sites that might be of help to some.
adioso.com
golastminute.com
fareboom.com
Deals Deals
g: 0 Posted By: dynotchan
Views: 143 Replies: 0 I was at the local Radio Shack and saw few of these for clearance price at $19.99. Just snatched one. If you have iPhone or iPad you will be delighted with AirPlay. I believe it is in store only. YMMV though.
Electronics Deals

RadioShack Coupons
Going after a mortgage broker
Added on : Saturday July 12th 2014 03:00:11 PM
g: 0 Posted By: alamo11
Views: 49 Replies: 0 I'm coming to the FWF community for help with a situation involving a close friend. This person is very deserving and has done a lot of good for others in the community myself included. Recently he purchased a short sale. His DTI wasn't good enough for a 15 year so the broker his mortgage guy put him in a 30 year at a high rate (4.875%) but with no closing costs so he could refinance after he bought the place.

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

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

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

Since then I'm working with a direct lender and got a similar deal as he was supposed to get just about $800 more in costs. How do I go about getting this guy arrested or in serious trouble? I wanted to put the fear of god into this guy but my friend restrained me from beating the living shit out of him.
Discussion Deals
g: 0 Posted By: linrick
Views: 208 Replies: 0 Cuisinart Chef's Classic Stainless 7 pc. Cookware Set (77-7)The kitchens of France were the inspiration behind the elegant Cuisinart Chef's Classic Stainless Cookware Collection. Chef's Classic features 18/10 stainless steel and pure aluminum encapsulated in the base for fast and even heating. We guarantee it with a limited lifetime warranty.Features

Chef's Choice Stainless:
18/10 mirror finish. Classic looks, professional performance.
Unsurpassed Heat Distribution:
Aluminum encapsulated base heats quickly and spreads heat evenly. Eliminates hot spots.
Stainless Steel for Professional Results:
18/10 stainless steel cooking surface does not discolor, react with food or alter flavors. Great for classic cooking techniques like slow simmers, rolling boils and reduction of liquids.
Cool Grip Handle:
Solid stainless steel riveted handle stays cool on the stovetop. A helper handle provides extra support and balance when lifting and pouring.
Drip-Free Pouring:
Rim is tapered for drip-free pouring.
Flavor Lock Lid:
Tightfitting cover seals in moisture and nutrients for healthier, more flavorful results, every time you cook.
Dishwasher Safe:
Premium 18/10 stainless steel easily cleans to original brilliant finish.
Constructed to Last:
Limited Lifetime Warranty.
Set includes:
(719-16) 1-1/2 Qt. Saucepan w/Cover
(7193-20) 3 Qt. Saucepan w/Cover
(722-24) 10" Open Skillet
(766-24) 8 Qt. Stockpot w/Cover

buydig price is $69.95 w/free shipping. Apply code "15POFF" for 15% off for final price of $59.46. Amazon is 49cents more after applying $10 coupon, but may be taxed on few people. Price is $99+ everywhere else.

linkymoo
Home & Garden Deals

Buydig Coupons
Ion Block Rocker $95 or $120 @ Costco B&M
Added on : Saturday July 12th 2014 02:00:03 PM
g: 0 Posted By: peas
Views: 56 Replies: 0 Costco has the Ion Block Rocker portable wheeled bluetooth + AM/FM radio sound system for $120. Their website lists the same pricebut it's not available for shipping anymore. The store near me has had it for at least a few weeks and there were plenty left.

If you have the Amex $25 off Costcopromo, you can get it down to $95 + tax.

Some reviewers have complained about the Bluetooth range. I tested it in the store with a Nexus 4 and it kept the connection to about 100 ft away, with some obstructions. The NFC pairing was great. Just tapped my phone on the NFC spot and it automatically paired & connected. Sound quality was good, though I could tell it might start to distort at the highest volumes.

Comes with a wired microphone. Has USB ports to charge devices. Also has a 3.5mm audio input for non-Bluetooth devices.

For comparison, it's$165 @ Amazonwith 4/5 stars.
Electronics Deals
100k AA miles how do i utilize the points in best possible way!
Added on : Saturday July 12th 2014 11:00:08 AM
g: 0 Posted By: ganeshwar
Views: 95 Replies: 1 100k AA miles how do i utilize the points in best possible way!

I would like to cancel my card in next few months, as I don't travel much from what i anticipating.so my miles will not go towards flying..

If i try to order Giftcard i could get only 400$ only,is there a better possibility other than this to redeem my miles 110K miles?

Appreciate your opinions.
Air Travel Deals
Dress pants $3.25 at Sears Outlet B&M stores YMMV
Added on : Saturday July 12th 2014 08:00:02 AM
g: 0 Posted By: StevenColorado
Views: 259 Replies: 0 First off, few Sears Outlet Stores carry apparel. Before you go, call and check.

I was at a Sears Outlet store, and found that they are clearing out some men's pants. The clearance prices were 50% off, and some were 75% off, from the base price of $13 (which is in itself a bargain because the MSRPs are $40 and $60). There were shirts being clearanced out as well, but not as good deals.

I'm not sure if the clearance prices are nationwide, so YMMV.

Note: the apparel is not sold online, so this is for B&M only.
Clothing Deals

Sears Outlet Coupons
g: 0 Posted By: ctgolfer
Views: 220 Replies: 2 Display 7" HDX touchscreen display, with 1920 x 1200 resolution at 323ppi, 100% sRGB color accuracy, video playback up to 1080p, max brightness over 400 nits, Dynamic Image Contrast, reduced glare, and advanced polarizing filter Size 7.3 x 5.0 x 0.35" (186 x 128 x 9.0mm) Weight Wi-Fi - 10.7 ounces (303 grams); 4G LTE + Wi-Fi - 11.0 ounces (311 grams)
=smallerActual size and weight may vary by configuration and manufacturing process CPU & RAM 2.2GHz Quad-core Snapdragon 800 CPU, with Adreno 330 GPU and 2GB of RAM Storage 16GB (10.9GB available to user) or 32GB (25.1GB available to user), or 64GB (53.7GB available to user) of internal storage Battery Life Up to 11 hours of reading, surfing the web on Wi-Fi, watching video, or listening to music. Up to 17 hours of battery life when only reading. Battery life will vary based on device settings, usage, and other factors such as web browsing and downloading content. Actual results may vary Charge Time Fully charges in under 6 hours using the micro-USB power adapter included in the box, or slightly longer with other micro-USB power adapters that you may already have Wi-Fi Connectivity Dual-band, dual-antenna Wi-Fi (MIMO+HT40) for faster streaming and fewer dropped connections than standard Wi-Fi. Supports public and private Wi-Fi networks or hotspots that use the 802.11a, 802.11b, 802.11g, or 802.11n standard with support for WEP, WPA and WPA2 security using password authentication; does not support connecting to ad-hoc (or peer-to-peer) Wi-Fi networks 4G Connectivity Support for ultra-fast 4G LTE wireless networks with HSPA+, HSDPA, and, with AT&T Wireless, EDGE/GPRS fallback Ports USB 2.0 (micro-B connector) port for connection to a PC or Macintosh computer or to charge your device with the included power adapter Audio 3.5mm stereo jack and integrated stereo speakers with Dolby Digital Plus audio engine Content Formats Supported Kindle (AZW), KF8, TXT, PDF, unprotected MOBI, PRC natively, Audible Enhanced format (AAX), DOC, DOCX, JPEG, GIF, PNG, BMP, Dolby Digital (AC-3), Dolby Digital Plus (E-AC-3), non-DRM AAC, MP3, MIDI, PCM/WAVE, OGG, WAV, M4V, MP4, AAC LC/LTP, HE-AACv1, HE-AACv2, MKV, AMR-NB, AMR-WB, HTML5, CSS3, 3GP, VP8 (WEBM) Sensors Ambient light sensor, accelerometer, gyroscope, GPS (4G) Location Services Location-based services via Wi-Fi. 4G model also uses assisted-GPS Additional Features External volume controls, front-facing 720p HD camera, built-in dual microphone, built-in Bluetooth with support for A2DP compatible stereo headphones, headsets, and speakers Accessibility Features Screen Reader, Explore by Touch, and Screen Magnifier, enabling access to the vast majority of Kindle Fire features. Screen Reader features IVONA's award-winning natural language text-to-speech voice. Also includes adjustable font sizes/color, and built-in Oxford dictionary. System Requirements Kindle Fire HDX is ready to use right out of the box - no setup, no software to install, no computer required to download content Warranty and Service 1-year Limited Warranty and service included. Optional 2-year Extended Warranty available for U.S. customers sold separately. Included in the Box Kindle Fire 7" HDX Tablet, USB 2.0 Cable, 5W Power Adapter, and Quick Start Guide
www.ebay.com/itm/Amazon-Kindle-Fire-HDX-7-Tablet-16GB-WiFi-inclu...
Tablets & iPads Deals

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

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



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

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


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

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



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

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

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

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

Montmartre Neighborhood Guide (Bravo Your City! Book 6)
http://www.amazon.com/gp/product/B00EDE3RC2
Totally Free Deals
g: 0 Posted By: SieSilverStars
Views: 240 Replies: 0 The Majestic Home Goods Indoor Outdoor Reading Pillow is on sale at Kohl's for $12.60 with free shipping.

Link

Use coupon code "BEACH30" for 30% off and coupon code "JULYMVC" during checkout for free shipping.
And like usual, spend $50.00 and you'll get $10.00 Kohl's Cash.


If you're not a Kohl's Cardholder, use either "SEASHELLS" or "SUNNY" to get the price down to $15.30. Free shipping on orders of $50.00 or more with coupon "FREE50JULY"
Shipping is free on orders over $75.00 for non-cardholders.


They also have $10.00 off $30.00 purchase with coupon code "GR8FINDS" is applied during checkout, use that coupon for a lower price!


A few other good deals like this one (Prices After Coupon):

Majestic Home Goods Chevron Indoor Outdoor Kick-It Chairs- $20.30 w/ Free Shipping for Cardholders; $24.65 + Shipping for Non-Cardholders.
Majestic Home Goods Small Beanbag- $18.34 w/ Free Shipping for Cardholders; $22.27 + Shipping for Non-Cardholders.
Majestic Home Goods Indoor Outdoor Ottoman- $8.75 w/ Free Shipping for Cardholders; $10.62 + Shipping for Non-Cardholders.
Majestic Home Goods Indoor Outdoor Throw Pillows - $4.48 w/ Free Shipping for Cardholders; $5.44 + Shipping for Non-Cardholders.



Keep in mind: At Kohl's you're allowed to stack 3 coupons..a % off, a $ off, and a free shipping coupon.


Home & Garden Deals

Kohl's Coupons
g: 2 Posted By: lindanesral
Views: 199 Replies: 1 Amazon has cheap Loom bands - 100% Latex free silicone.

Package includes:
1800 bands in total
600 glow in the dark bands
5 Charms
3 hooks
90 S-Clips

http://www.amazon.com/Loom-Rubber-Bands-Refills-Value/dp/B00GJSW...

Apply 50% OFF code: M49QR3HA valid for few days more

Note - I also got a 40% off coupon for next purchase in the package.
Toys & Hobby Deals

Amazon Coupons
Free Tom Clancys Ghost Recon Phantom Assault Starter Pack - Steam
Added on : Friday July 11th 2014 01:00:06 PM
g: 0 Posted By: remick
Views: 128 Replies: 0 http://gamingbolt.com/tom-clancys-ghost-recon-phantom-undergoing...

Today, Ubisoft announced that Tom Clancys Ghost Recon Phantoms will be getting a new game update, bringing the version number up to 1.2. The new update retools the games weapons to change their balance based on feedback that Ubisoft has gotten since the games release a few weeks ago. Apart from the mechanical changes, the game will also retool and rebalance simple things like movement, as well as player progression through ranks and classes.
To celebrate all of these changes, Ubisoft has also announced a new Steam weekend promotion for this game- from July 11 to July 14, for a period of three days, players can download one free starter bundle for the game free, for a total of up to three bundles (roughly $30 in terms of value). Thats a pretty good deal, and a great way to get into this game, if you were thinking about doing that at all.


http://store.steampowered.com/agecheck/app/277970/
Toys, Games,& Collectibles Deals
g: 1 Posted By: ctgolfer
Views: 822 Replies: 1 Roku 2710XB 1 Streaming Media Player:

1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, and more
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Quick and easy setup. Sets up wirelessly in minutes with just a few simple steps
Channel shortcut buttons. Jump straight to favorites with one push of the remote
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and MGo

Roku 2720XB 2 (2013 Model) 1080p Streaming Media Player with Enhanced Headphone-Enabled Remote:Crank up the volume, and enjoy the show with the Roku 2. Dive into 1,000+ channels of movies, TV shows, sports and more in stunning 1080p HD. Watch without disturbing the house when you plug headphones into the remote. Enjoy free features like channel shortcut buttons and much more.

Remote withheadphone jackfor private listening. Use the included headphones and crank up the volume to enjoy a late-night flick without disturbing the household
1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, fitness, cooking, and more
Works with virtually any TV. Connects easily to HDTVs and standard definition TVs
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Extended-range wireless. A robust dual-band wireless connection seamlessly streams video with ease and speed
Channel shortcut buttons. Jump straight to favorite channels such as Netflix and M-GO with the push of a button
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and M-GO
FreeiOSandAndroidapps. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV

Comparison Chart

Shipping Note:Eligible for shipping to all 50 states

Warranty:90 Day Roku

http://sellout.woot.com/offers/roku-1-or-2-streaming-media-playe...
TV Deals

woot! Coupons
g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.amazon.com/gp/product/B00KGQS7EE

THE ART OF PHOTOGRAPHY is Book 2 of the Digital Photography Series. It is a highly illustrated guide to camera settings, composition guidelines, and sources of inspiration.
Learn how to move from snapshots to works of art. In this second book of the DIGITAL PHOTOGRAPHY SERIES by Al Judge, the focus is on artistic presentation and pleasing images. Learn from the experience of others.
What are "Typical" camera settings for popular types of images?
What factors make some images more appealing than others?
How do you find your source of inspiration?
How do other photographers view there art? What inspires them?
What equipment do you need for better results?
˃˃˃ Until now, Al Judge has written books to enhance your technical photographic skills. Now it is time to use that knowledge in a more artistic way.
This is Al's first book that relies on some previous knowledge of Digital Photography. That foundation was established in Book One of this series Mastering Digital Cameras. That knowledge is used to move effortlessly to more artistic images.

Digital cameras have advanced so much in the last decade that anyone can get a few great images by simply pointing at a scene and pushing a button. The joy and excitement comes when you learn to plan your images to convey an emotion or feeling and do it successfully.

We all know pleasing images when we see them, but few people understand why those images are so appealing. Art is unique to every person, but there are certain rules or guidelines that seem to be hard wired into the human brain. In this book, you will learn about the Rule of Thirds and other widely accepted artistic concepts.

˃˃˃ Learn from other photographers!
The chapters of this book are separated by two page articles about the work of eight different photographers. These photographers range from highly-acclaimed world-renowned professionals to pure amateurs. Regardless of perceived success, they were invited to participate in this venture because their images are inspirational and beautiful. The amateurs prove that you don't have to be a professional and own thousands of dollars worth of camera equipment to produce great images. The professionals help us to see what is possible with dedication to the art. All of these Featured Artists love photography and it shows in their work.
Totally Free Deals
Free Kindle Book- Imagine Create Explore 3 Volume Set (was $15.99)
Added on : Friday July 11th 2014 02:00:07 AM
g: 0 Posted By: remick
Views: 185 Replies: 0 http://www.amazon.com/gp/product/B00BSKK4KW

Adorn yourself and your home in handmade beauty. Here are forty-eight imaginative works designed by ICE Resin Creative Team Members Cat Kerr, JoAnnA Pierotti, Michael Jack Putman and Lesley Fisher, Andrea Ring, Tina Schiefer, Kathy Thompson, and Special Project Team Member Cindi Bisson, plus two bonus projects by Jen Cushman and Kirsten Robinson. Techniques for adding color and texture to resin, layering objects in a bezel, cold joins, wire work are just a few of the ways to create mixed media jewelry. Together, these designers captured the essence of a starry night, a walk on a beach, the beauty of a garden, birdsong, the sweetness of a baby, the love of bling, and a places to keep your treasures made possible by Susan Lenart Kazmers creation of ICE Resin.
Books Deals

Amazon Coupons
Roku 1 or 2 Streaming Media Players $29.99$39.99 w/FS @ Woot
Added on : Thursday July 10th 2014 10:00:02 PM
g: 0 Posted By: ctgolfer
Views: 1 Replies: 0 Roku 2710XB 1 Streaming Media Player:

1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, and more
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Quick and easy setup. Sets up wirelessly in minutes with just a few simple steps
Channel shortcut buttons. Jump straight to favorites with one push of the remote
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and MGo

Roku 2720XB 2 (2013 Model) 1080p Streaming Media Player with Enhanced Headphone-Enabled Remote:Crank up the volume, and enjoy the show with the Roku 2. Dive into 1,000+ channels of movies, TV shows, sports and more in stunning 1080p HD. Watch without disturbing the house when you plug headphones into the remote. Enjoy free features like channel shortcut buttons and much more.

Remote withheadphone jackfor private listening. Use the included headphones and crank up the volume to enjoy a late-night flick without disturbing the household
1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, fitness, cooking, and more
Works with virtually any TV. Connects easily to HDTVs and standard definition TVs
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Extended-range wireless. A robust dual-band wireless connection seamlessly streams video with ease and speed
Channel shortcut buttons. Jump straight to favorite channels such as Netflix and M-GO with the push of a button
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and M-GO
FreeiOSandAndroidapps. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV

Comparison ChartShipping Note:Eligible for shipping to all 50 statesWarranty:90 Day Roku

http://sellout.woot.com/offers/roku-1-or-2-streaming-media-playe...
Plink has rewards! Go, spend points!
Added on : Thursday July 10th 2014 08:00:03 PM
g: 0 Posted By: chuck2584
Views: 107 Replies: 0 I have been watching Plink for the past few days, in reference to a recent post questioning their business model (no rewards for a while). Tonight I cashed in for a 25$ Amazon card. Already delivered. If you have been watching but unable to cash out, make sure to start from the main page. Staying on the rewards page and refreshing may not update.
Plink Deals
g: 1 Posted By: LearningFast
Views: 121 Replies: 4 Hi all, I am a new member who is still very much learning how to manage money and credit, but have learned a ton reading these forums in the past couple of years when I had literally no credit file.
Below I tried to condense the very helpful things Ive learned here into a little HOW TO which I think contains all the things I wish I knew a while ago and learned here, albeit fragmented. Of course, all these will differ between people so feel free to add.
The two general rules of the money life that Ive learned.
1. Small discounts really can add up, if done right.
2. If your credit file had mass, it would be worth its weight in gold. Good credit allows you to get low interest car and mortgage loans, which (because of how compounding interest works) can save you even tens of thousands of dollars.
Ok, so how do you get ahead? Lets assume you have no credit at all and make a very low income (say $20,000/year). Right now:
- Get a credit card. Definitely #1 on your list. You should get a credit card with rewards if at all possible. Student cards (if you are one) will usually have top notch rewards and can be approved for people with no limit (Discover It for students, Sallie Mae Mastercard, Chase Dividend for students, BoA Cash Rewards for Students are some good ones). If you have a bank youve had a relationship with for a while, tap them for a card I got my first CC like that, and it has great rewards. Pick a no annual fee card, preferentially from a prime lender, as this account should be with you for life. If you cant get a credit card from anywhere, get a secured card first, and then after 6 months get a real credit card.
-Begin tracking your credit. Sign up for creditkarma.com, creditsesame.com and quizzle.com. These sites allow you to track your credit report in real time from the three US credit reporting agencies, and give you credit scores. These scores are not the true scores used by lenders (they use a different algorithm) but the trend can be useful as a rough estimation in how youre doing. -=7pt Begin tracking all your expenses using a service like mint.com
- Move all your primary banking to a rewards checking account from a credit union (places like Lake Michigan Credit Union, Inova Credit Union, Great Lakes credit union are good ones). Rewards checking accounts have no fees and offer much higher interest than any savings account, and usually will reimburse ATM fees and sometimes give free checks. It doesnt matter if you dont live near the credit union, because internet.
-Open a Roth IRA account, where you can put after-tax money which you will then take out tax free at retirement (or as a one time thing when you buy a house). This a fantastic deal for people in their 20s with low income (and a low tax rate).

For the next 6 months:
-Pay your credit card bill BEFORE the statement cuts each month. That way not only will you not carry a large balance (its good to leave a few dollars there) but if you have a low limit having even $200 there can make it look like a huge utilization and hurt your credit.
- Use your rewards credit card to pay for everything. CashBack/points add up if you use them all the time. If your rent is under $1,500, use SERVE with Isis to load money using your credit card (and get points) and then use the Billpay feature to pay rent and any other utilities you cant pay with a CC.

6-12 months
- ask for a credit line increase on your credit card (depending on the issuer, this might be a hard credit pull)
-get another CC or two. Strongly consider applying for an easy to get AMEX like BlueSky Everyday. All AMEX cards are pretty good. The golden feature about them is that AMEX backdates all cards to the moment you joined AMEX, so all FUTURE AMEX cards will show up as being opened at the same time. This will help your credit score in the future. This is also a good time to try get a workhorse card: a card which gives universal high CashBack/miles. These are the Fidelity Amex (underwritten by BoA), which offers 2% CashBack on everything, the Capital One Venture (essentially 2%, but has an annual fee). If you get denied, call recon (see below).

1.5-2 years:
- If youve been doing everything right you should have a credit score in the 700+ range and be eligible for some pretty nice rewards cards by now. Which ones you get depends on your spending pattern. For example, I applied for the US Bank Cash+ Visa Signature because I eat out a lot. Now Visa Sig cards are difficult for you, because by definition they need to have a credit line of over $5000. I was in fact offered an inferior product instead, but told I can PC later (not uncommon for US Bank). Called once a month, and after two months I had the Cash+.

2 years+
-By now you should be eligible for pretty much any CC you want, although some might be hard for you to get. The holy grail of high end credit cards for people with super good credit are the ones from the Pentagon Federal Credit Union. There you can get 5% CashBack on gas, ~4% CashBack on airline tickets. Hard to get but not impossible at this stage. Just make sure you have no inquiries on quizzle and very low balances on all other cards when you apply.

Beyond: Cant comment, this is where I am

Note: many (if not most) credit card rejections can actually be overturned if you pick up the phone and call the reconsideration line for that lender to talk to an underwriter. Dont be afraid to ask What can you do for me? If youve been a customer for that bank for a while, let them know etc.
Discussion Deals
Solutions for Vehicle with Negative Equity
Added on : Thursday July 10th 2014 09:00:08 AM
g: 0 Posted By: ChallengedCarBuyer
Views: 209 Replies: 18 We own 2 cars, a 2006 Nissan Altima (145K miles) and a 2008 Ford Edge (97K miles). The Nissan is paid off and worth about $6K and the Fordis worth about $12K with $23K still owed (due to the deal that we made back when purchased in 2011, with a significant amount of negative equity rolled into it). With the current payment of approximately $700 it feels as if we are somewhat stuck for a while. Our credit scores are rebounding nicely from prior issues and we are consistently in the 680-690 over the last 2 months.

With 2 aging cars and a high payment we are wanting to make a change. Options that we are considering are
1) Trade 2 cars towards the purchase of 1,to lessen the negative equity and end up with a lower payment with only 1 car (we both work in different areas, so this may be challenging)
2) Same scenario as above, but supplementing the 1 car with an enterprise rental 3 or 4 days a week. This way we'd only have to pay for insurance on 1 vehicle, offsetting the costof a rental, having less to report on a credit report, but also having no second asset.
3) Trading the 2cars towards one, and then purchasing/leasing a 2nd one, with the total payments for both being near the $700 of the current vehicle
4)status quo

We have up to $5K that we could put towards the deals, if needed. How do any of those options sound? Any better proposals/alternatives? Same options, wait a few months to let our credit hit 700? Thanks for the input.

Personal Finance Deals
g: 0 Posted By: n00ber
Views: 136 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=0H5-00Y6-00001

BAFX Bluetooth OBD2 Diagnostic Scan Tool for $18.99 sold and shipped by BAFX Products LLC through Newegg with free shipping available.

Offer ends 7/24/2014

I've ordered one for myself with the free shipping option and have been notified that the item has been shipped via USPS from Wisconsin.

Most orders that I've placed with Newegg usually ended up being shipped to me from Edison, NJ with only a few exceptions that were sent from Memphis, TN.

I'm guessing that this order may have went through Newegg Market Place but I have no idea. It's been shipped out by the manufacturer BAFX itself and I won't be losing any sleep over this. I'm just making a note of this because this is the first time I've put in an order through Newegg that ended up being fulfilled by someone else.

Meanwhile Amazon is selling this $23.99 and you'll need Amazon Prime or a $35 minimum order to get free shipping.

(Hey, how do I edit this to show that it should be in the "Tools & Automotive" category?)
Electronics Deals

Newegg Coupons
Sump Pump Failure-Allstate
Added on : Wednesday July 09th 2014 09:00:06 PM
g: 0 Posted By: JenMP
Views: 2 Replies: 0 We just bought our first house, a few weeks ago actually. We have Allstate for home insurance. Our basement flooded today. My studio is down there and thankfully not too much was ruined. The carpet is soggy, and we had like 1-2 inches, the shelves are ruined, and the wood floor in the bedroom is ruined, other than that, from what I can see, we are good. AWESOME thing is I put sump pump insurance on the house on Monday, and the basement flooded today (Wednesday, so 2 days later) We have $10,000 on it. Since it was late, they haven't been super helpful. I'm worried that the emergency crew we had come out to start the process of getting the water out is covered. I asked Allstate numerous times and the people I talked to didn't know. I am HOPING it's covered because I think it's like $4000. That's my question. Also, is there a way for me to strongly urge Allstate to cover new floor? I'd rather just have tile put down there because the carpet will just get ruined if this ever happens again. The guy checked it when he came to start sucking out the water and etc and said he didn't think it was too damaged. IDK what it's called, but the thing underneath the carpet (not the mat, its the plastic thing on the other side of the carpet) wasn't coming off. I seriously do not want this carpet and am hoping they will cover tile. Welcome to home ownership I suppose. lol
Question Deals
g: 0 Posted By: LongDongSilver
Views: 211 Replies: 0 There are quite a few of these refurb laptops on Lenovo Outlet now. Much better quality than the low-end Toshibas, plus the MATTE screen that is more common on the business class laptops. Lenovo factory refurbs are as good as new.

Lenovo Outlet

ThinkPad E545 - Refurbished
Processor: AMD Accelerated Processor A6-5350M (dual-core, 2.90GHz, 1MB L2 cache)
Operating system: Windows 8 Standard 64 - English
Display: 15.6" HD WXGA (1366 X 768) LED Backlight w/720p HD Camera
Graphics: AMD Radeon HD 8450G Graphics
Memory: 4 GB PC3-12800 DDR3L SDRAM 1600MHz SODIMM Memory
Hard Drive: 320GB, 5400RPM Serial ATA 2.5" Hard Drive
Optical Drive: DVD Recordable Serial ATA
Lenovo Outlet Deals
g: 0 Posted By: LongDongSilver
Views: 58 Replies: 0 There are quite a few of these laptops on Lenovo Outlet now. Much better quality than the low-end Toshibas.

Lenovo Outlet

ThinkPad E545 - Refurbished
Processor: AMD Accelerated Processor A6-5350M (dual-core, 2.90GHz, 1MB L2 cache)
Operating system: Windows 8 Standard 64 - English
Display: 15.6" HD WXGA (1366 X 768) LED Backlight w/720p HD Camera
Graphics: AMD Radeon HD 8450G Graphics
Memory: 4 GB PC3-12800 DDR3L SDRAM 1600MHz SODIMM Memory
Hard Drive: 320GB, 5400RPM Serial ATA 2.5" Hard Drive
Optical Drive: DVD Recordable Serial ATA
Lenovo Outlet Deals
g: 0 Posted By: NonReturnable
Views: 103 Replies: 2 My wife's biological mother lives in Argentina. We live in the US.

My wife last saw her mother when she was 12. She was left with her father.
Same for my wife's half brother, he was left with his father in another state.
Needless to say, she's not the best mother.

My wife grew up with her father and step-mom. Everything worked out.

A few years ago my wife first found her half brother via the internet.
Then, a while after that, her bio-mom got back in touch with her, again via the internet.

A few months ago she called and let my wife know she was having seizures.
Today, we got a phone call in spanish, and after some translation thanks to google, we figured out they were asking her to call her mom. I'm assuming the mom didn't have enough money for an international call.
My wife called, and found out she has brain cancer, and the doctors say she has around 2 months left.

We can not afford to go visit. Even if my wife went alone, the price of a ticket is just out of range to visit someone that...in all honesty wasn't someone my wife was that attached to.
Obviously she's upset, but she agrees its just not feasible to spend $2000 and 48 hours on a plane to do a visit. They'll be doing some video chatting and phone calls (I'll make sure I'll record it for when the kids are older).

I have some financial concerns -
The mom put my wife down as an emergency contact with her medical info. The mother is flat broke. For a time she lived in an orphanage and was given room and board in exchange for working. Now it sounds like she's living with a friend. Has no job, etc.If, for example, my wife wanted her ashes to split with her half brother, how would that be worked out? We're not 100% trusting of her mom, and I'm wary of being scammed by working with a "friend" of the mom or something.

It is my understanding she has dual citizenship with the US (or at least, never renounced her argentine citizenship). She immigrated to the US when she was very young, and was in the US Army and received an honorable discharge. She mentioned there may be life insurance money, or at least money for a burial or cremation through the VA. She is also apparently owed quite a bit of back disability money by the VA. She's asked my wife to help her get that sorted out a number of times, she's tried, we'll get the mom in contact with the right people, then something never happens, wait a few months, rinse, repeat. Should I be contacting a lawyer to figure this out? Is it even worth pursuing? I'm not trying to approach this like I could make some cash, but if there is the possibility that my wife could get something to put towards her education costs (she starts an MBA program next month) that would certainly be beneficial.

Not speaking any spanish (my wife speaks restaurant spanish at best), what is the best route to go to get things like a copy of the death certificate, any personal belongings the mom wants my wife or her brother to have after death, etc. The mom is making sure her friends and the hospital have my wife's information. The language barrier is a problem. This isn't the first time we've gotten a phone call from someone whom only speaks spanish, and had to use google translate and yes/no questions to figure out what was doing on.

Are there any scams I should be aware of that could be going on here (besides the mom making this whole thing up. Which we've discussed, but she's not asked for any money or anything thus far).

Any advice or suggestions anyone has, I'd certainly appreciate.

TL;DR - Wife's broke deadbeat mom is dying of brain cancer in Argentina.. Any advice about how to get burial or ashes worked out, any personal belongings the wife wants shared shipped up here, and any possibility of life / burial insurance worked out.
Personal Finance Deals
g: 1 Posted By: ctgolfer
Views: 122 Replies: 0 shipping adds $5

Condition:Factory Reconditioned

Panasonic KX-TG7733S DECT 6.0 Plus 3-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

Bluetooth Convergence Solution
Like using your cell phone at home but don't like carrying it around? Now you can make and receive cell phone calls though your multi-handset home phone with the Bluetooth-powered Panasonic Link-to-Cell. Link-to-Cell harnesses the power of Bluetooth to combine the freedom of your cell phone and the convenience of a home phone. By linking your cell phone to the Bluetooth-powered Panasonic Link-to-Cell, you can make or receive calls on all compatible Panasonic home phone handsets. Don't want to be without your cell phone's phonebook? No problem. With Link-to-Cell's Phonebook Transfer feature, you can transfer up to 600 names and numbers from your cell phone to the built-in handset directory via Bluetooth. Link-to-Cell also features Bluetooth headset connectivity so you can keep the conversation going and your hands free. Perfect for those times when you're talking but need to walk around your office or home, open drawers, flip through files or write.

Dect 6.0 Plus
Dect Plus technology takes the superb sound quality and outstanding range of DECT 6.0 phones to a whole new level. By increasing the frequency of error correction by up to 80x, the transmission quality is improved and the phone's range is extended. Engineered to work in 1.9GHz frequency, our DECT 6.0 phones won't conflict with common wireless devices such as 2.4GHz routers, wireless keyboards and mice, microwave ovens and other household items. And because it's digital, you'll enjoy long range and clear sound while deterring eavesdropping.

Talking Caller ID
Now you can hear who's calling from across the room without having to get up. Using text-to-speech technology, Panasonic phones featuring Talking Caller ID announce caller ID information in between rings. What could be more convenient?

1.8 White Backlit Handset Display
See whos calling at a glance on our wide, 1.8-inch LCD and set screen. Featuring black text against a white-backlit display, its crystal clear and easy to readeven from a short distance away.

LED Light-Up Indicator
Now, you can know when a calls coming in or if you have a messageeven if youre vacuuming or listening to music. A large, bright LED indicator on top of the handset lights up when you get a call or a message, so youll always be connected.

Easy-to-Use Big Buttons
We streamlined our keypad to include fewer buttons while also making them larger. No more fumbling to find the right key, and no more dialing the wrong number.

Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day Panasonic



Panasonic KX-TG385SK DECT 6.0 Plus 5-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

USB Charge
No convenient electrical outlet for charging your cell phone or smart phone? No problem. The base unit features a convenient USB charging port. And because its Link2Cell, you can answer your cell phone calls on your Panasonic home phone handsets without draining your cell phone battery.

Text Message (SMS) Alert
Never miss a text message again. The Text Message Alert feature notifies you of received text message on your cell phone through an alert on your cordless handset when your cell phone is synced to the base unit.

Enhanced Noise Reduction
Enhanced Noise Reduction not only suppresses background noise but also enhances your voice at the same time. Which means the next time your teenager calls you from a concert, youll actually be able to hear him.

DECT 6.0 Plus Technology
If youre looking for superb sound quality and long range, look no further than the DECT 6.0 Plus technology in Panasonic cordless phones. Thanks to error correction up to 80x, you get clear transmission even with extended range. Engineered to work in 1.9GHz frequency, our DECT 6.0 Plus phones won't interfere with wireless devices such as routers, wireless keyboards and microwave ovens. Whether you use them in the basement or the backyard, our phones truly go the distance.

Answering Machine with Message Forwarding
Thanks to advanced answering machine functions, you can get messages wherever, whenever. At home, the base unit will beep to alert you to a message. And on the road, the phone will send a message to your registered cell or work phone.

Talking Caller ID
Hear whos calling from across the room. The Talking Caller ID feature uses text-to-speech technology, announcing the callers information in between rings.

Intelligent Eco Mode
With the Intelligent Eco Mode, when you use the handset closest to the base unit, youll automatically lower power consumption. This not only extends available talk time but also prolongs battery life. Which means less frequent charging and in the end, fewer batteries in landfills.

http://moofi.woot.com/offers/panasonic-link2cell-3hs-or-5hs-phon...
Daily Deals

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

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

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

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

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
g: 0 Posted By: iowahawkeye
Views: 92 Replies: 0 http://www.pillsbury.com/

Check your emails for one from Pillsbury this week, subject line: Vote to win a 2015 calendar.

Sign in from the email and vote on a few pics for next year's calendar.
Sample offer for free Cheerios in same email. (only for Pillsbury members as of last week).


Food & Grocery Deals
g: 1 Posted By: DizzyT71
Views: 157 Replies: 0 Newegg has the Webroot SecureAnywhere Internet Security Plus 2014 (3 Users) Digital Downloadon salefor $19.95 - $14.00 coupon code EMCPCPF59 = $5.95

Compare at Amazon for $19.95.

Our cloud based network analyzes files, phishing sites, malicious web pages, IP addresses, and mobile apps providing a real time view of current threats and enabling instantaneous protection from new infections.
Webroot Antivirus protects you from online threats keeping you safe no matter how or where you connect. It scans faster, uses fewer system resources, and protects you by instantly identifying and blocking new threats as soon as they appear.
Passwords feature encrypts your passwords and automatically logs you into your favorite sites so you do not have to remember multiple passwords. Securely stores your usernames, passwords, and credit card numbers.
Mobile security for Android and iOS smartphones and tablets ensures you are protected from malicious apps and syncs online passwords across all your devices so they are accessible anywhere.
Analyzes devices and operating systems to detect system issues and wipes away all traces of online activity and makes deleted files unrecoverable. Just set it and forget it. With Webroots cloud based detection, you will always have the latest version.

3.8/5 Stars based on 52 customer reviews on Amazon.
Software Deals

Newegg Coupons
g: 0 Posted By: bigdinkel
Views: 87 Replies: 2 http://www.washingtonpost.com/posteverything/wp/2014/07/08/this-is-what-happened-when-i-drove-my-mercedes-to-pick-up-food-stamps/

It seems like this family had a few bad life experiences happen within a few months. It's scary that this can happen to many. Besides an Emergency Fund, what's the best way to plan for something this serious?
Discussion Deals
g: 0 Posted By: SeaSpur
Views: 161 Replies: 0 Shows as $99.99 online, but I checked 3 stores in my area and they were all on sale for $79.99.

A little larger than most, but I think it is one of the most underrated bluetooth speakers on the market- especially in the $100 range. I "tried out" quite a few other highly rated models and, to me, it sound as clear as those in the $200-250 range and certainly had more bass and deeper sounds; many of these bluetooth speakers are "all high" when it comes to the tones.

http://www.target.com/p/g-project-g-boom-wireless-boombox-black-...
Headphones & Speakers Deals

Target Coupons
g: 0 Posted By: Relaxing
Views: 36 Replies: 0 Hello Gang:

My corded craftsman jigsaw bit the dust a few months ago so I have been shopping around for a good deal on a replacement. I have been researching cordless options and in particular 18V LI versions since I have both Makita and Porter-Cable 18V cordless tools (the latter of which is a drill, driver and flashlight combo I got through FW at Lowes on a price "mistake" of $30.)

I found this one on Lowes.com- It appears that it is truley a YMMV item as it wasn't available in my area in SW FLA. I ordered one for zip code 37067 so my Dad could pick it up and send it to me. The ratings are very positive for those of you who have PC 18V tools and batteries already and need a jigsaw. I am not sure if it is available on line to ship, I could only find the "pick up at store" option.

Lowes Link

Here is another link to Amazon, who has it with positive ratings but at a higher cost:

Amazon Link

Hope this is helpful to those in need.


Cheers
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 05:00:09 AM
g: 0 Posted By: jpfulton
Views: 22 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

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

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

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

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
Co-op with cell phone towers on the roof.
Added on : Tuesday July 08th 2014 03:00:06 AM
g: 0 Posted By: unnamedny
Views: 95 Replies: 1 I'm looking to buy an apartment in NYC and I found pretty good building. Friendly community, fair price, close to train, very low crime, plenty of parking. Problem is, apartment is located on 6th floor, which is top floor, and right above on the roof are cell phone towers. I'm not a health freak or germaphobe, but I don't like the idea being so close to such huge amount of RF radiation. Would you take that apartment? If you wouldn't, what would be a minimum distance of of you living away from cell phone towers? There is another apartment offer just a few floors below.
General Discussion Deals
Brand New LG Android Wear G Watch Black @ AT&T ~$180 FS +tax
Added on : Tuesday July 08th 2014 03:00:02 AM
g: 0 Posted By: munkyxtc
Views: 178 Replies: 0 Watch normally retails for $229 but they have a promo going where if you buy 3 or more accessories you get 25% off your order. Here is the kicker; you can either add 3 watches and get 25% off or choose a few cheap accessories and you can get get the discount as well.

Add it to your cart:http://www.att.com/shop/wireless/accessory.appcessories-lg-andro...

Then add 2 cheap items such as :http://www.att.com/shop/wireless/accessory.cases-body-glove-larg...

Go to your cart and check out and you'll receive an instant 25% off of the order. Order total will come to approximately $180


Watches Deals
g: 0 Posted By: remick
Views: 103 Replies: 0 http://www.amazon.com/gp/product/B00LJBYWZ8/

Do you want to make a perfect meal for your family? Then, make sure that you know the different ways on how to make a perfect sauce. Sauce can truly enhance the aroma and taste of your favorite dishes. Turn any plain, ordinary meal into a gourmet one. Even a simple vegetable dish can be made exciting. Instead of worrying how to make distinct sauce recipes, The Best Sauce Recipe Ever is here to help you!

This guide is loaded with over 150 outstanding sauce recipes of various types like:
Cocktail Sauces
Gravies
Barbecue Sauces
Meat Sauces
Dessert Sauces
Spirited Sauces
Syrups
Butters
Mayonnaise
White Cream Sauces
Salad Dressings



101 Marijuana Recipes: The Largest Medical Marijuana Cookbook on the Planet
http://www.amazon.com/gp/product/B0096ZSAEI/

101 Marijuana Recipes by Michael Joseph is a collection of various medical marijuana treats. In this cookbook you will find many traditional recipes for drinks, deserts, appetizers, and entrees. Just a few of the recipes include marijuana butter, marijuana brownies, marijuana pizza, and marijuana space cakes. If you are a medical marijuana patient or just enjoy consuming marijuana for recreational use..this cookbook is a must!
Totally Free Deals
Dell Refurbished: PATA SSD for Laptops - 16 GB - $17.99 + tax FS
Added on : Monday July 07th 2014 06:00:07 PM
g: 0 Posted By: bridgeforsale
Views: 140 Replies: 5 Or as they call it: Dell Refurbished: Parallel Advanced Technology Attachment Solid State Hard Drive - 16 GB

Ever wanted to see just what an SSD drive would do for an old laptop? Well that's why I'm buying this one. I was looking for something else on Dell's site when I stumbled across thisIDE laptop drive.

Yeah, 16GB IS small, but large enough for certain operating systems plus a few programs. And it's cheap. That made it an impulse buy, kinda like junk food at the checkout counter.

Just make sure this is the correct interface for your OLD laptop. It's PATA, also known as IDE.

http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&...
SSD Deals

Dell Consumer Coupons
g: 0 Posted By: tuphat
Views: 45 Replies: 0 DOJ goes after Amex over merchant rules.

U.S., Amex duel at antitrust trial over credit card fees
By Andrew Longstreth

NEW YORK (Reuters) - American Express Co has hindered price competition in the U.S. credit card market and prevented merchants and consumers from reaping cost savings, a lawyer for the U.S. government said on Monday during the first day of a trial in Brooklyn federal court.

In an antitrust lawsuit, the U.S. Justice Department and 17 states have accused Amex of blocking credit card companies from lowering processing fees and allowing businesses to pass on savings to consumers.

Every year, credit card companies charge merchants more than $50 billion to process consumer transactions, according to the government.

At issue in the bench trial, expected to last nine to 10 weeks, are rules Amex imposes on the millions of merchants that accept its cards barring them from offering incentives to customers to use less-expensive credit cards when making purchases.

"Amex doesn't want consumers to have simple, truthful information about how much their cards cost," Craig Conrath, an attorney for the Justice Department, said.

U.S. District Judge Nicholas Garaufis of Brooklyn, who is overseeing the trial and will determine the outcome, asked few questions on Monday and did not offer any clues on how he views the case.

The government's suit seeks an order allowing merchants that accept Amex to give consumers incentives to use less-expensive credit cards.

The stakes are high for Amex, which uses the processing fees it charges merchants to provide rewards to its cardholders. In securities filings, American Express has said that an adverse ruling "could have a material adverse effect" on its business.

During his opening statement, Evan Chesler, an attorney for Amex, said that the government case is an "assault on Amexs business model, a model that has in fact driven competition to the enormous benefit of merchants and consumers for a number of years."

Chesler said that Amex has invested billions to provide high-quality service and rewards to its cardholders, which help differentiate it from bigger competitors.

The U.S. Justice Department and several states sued Amex, Visa Inc and MasterCard Inc in 2010 over rules that allegedly obstructed price competition. The latter two settled the case the day it was filed. The states include Michigan, Ohio, Texas, Missouri, Maryland, Arizona and Iowa.

Conrath of the Justice Department said Monday that the evidence presented at trial will show that if not for Amex's "anti-steering" rules, merchants would use strategies to reward consumers to use lower-cost credit cards like giving them free upgrades for certain services or price reductions. He also said that credit card companies would compete on price.

Discover Financial Services , Conrath said, tried to offer merchants lower processing fees but the strategy failed because of Amex's rules.

The case is United States of America, et al v. American Express Co, U.S. District Court for the Eastern District of New York, No. 10-04496.
Credit Deals
g: 4 Posted By: remick
Views: 837 Replies: 0 http://www.amazon.com/gp/product/B00BGC01NW/

High School Computer Science, User Defined Functions in C++. Start writing C++ functions yourself. Learn the small things first and settle far beyond. Ideal for anyone who have started learning C++ and want to explore in details the Functions.


also free

JavaScript Principles: A Brief Introduction
http://www.amazon.com/gp/product/B00JFN7MD6/

This 17-chapter book is a brief introduction to key principles of JavaScript programming. Each chapter is dedicated to an isolated subject. The author focuses on "I wish I knew this before" type of knowledge, that will be helpful for beginners and intermediate-level programmers interested in expanding their understanding of front-end application development. jQuery briefly highlighted throughout the book and few jQuery plugin examples are provided.

This volume highlights key principles involved in JavaScript programming and should not be considered as a complete outline of JavaScript programming language. If you are passionate about learning about key insights of this programming language in a medium sized book, it may be of interest to you.

Chapters are as follows:

1. A Case for jQuery
2. Breaking Down jQuery
3. Document Object Model
4. JavaScript Boot Camp Begins
5. Code Placement
6. Statements, Primitives and Literals
7. The "this" Property
8. Function Properties
9. Object Literals
10. Anonymous Functions
11. Closures
12. Constructors
13. Prototype
14. Events
15. Initializing jQuery
16. Optimizing jQuery Selectors
17. Creating jQuery Plugins
Plugin 1: Get Class
Plugin 2: Rewriting Window Alert Box
Plugin 3: Rewriting jQuery's prev() and next()
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 209 Replies: 0 http://www.amazon.com/gp/product/B00BGC01NW/

High School Computer Science, User Defined Functions in C++. Start writing C++ functions yourself. Learn the small things first and settle far beyond. Ideal for anyone who have started learning C++ and want to explore in details the Functions.


also free

JavaScript Principles: A Brief Introduction
http://www.amazon.com/gp/product/B00JFN7MD6/

This 17-chapter book is a brief introduction to key principles of JavaScript programming. Each chapter is dedicated to an isolated subject. The author focuses on "I wish I knew this before" type of knowledge, that will be helpful for beginners and intermediate-level programmers interested in expanding their understanding of front-end application development. jQuery briefly highlighted throughout the book and few jQuery plugin examples are provided.

This volume highlights key principles involved in JavaScript programming and should not be considered as a complete outline of JavaScript programming language. If you are passionate about learning about key insights of this programming language in a medium sized book, it may be of interest to you.

Chapters are as follows:

1. A Case for jQuery
2. Breaking Down jQuery
3. Document Object Model
4. JavaScript Boot Camp Begins
5. Code Placement
6. Statements, Primitives and Literals
7. The "this" Property
8. Function Properties
9. Object Literals
10. Anonymous Functions
11. Closures
12. Constructors
13. Prototype
14. Events
15. Initializing jQuery
16. Optimizing jQuery Selectors
17. Creating jQuery Plugins
Plugin 1: Get Class
Plugin 2: Rewriting Window Alert Box
Plugin 3: Rewriting jQuery's prev() and next()
Books Deals

Amazon Coupons
Tips and Tricks for Insurance - Inventory Of Assets?
Added on : Sunday July 06th 2014 01:00:06 PM
g: 0 Posted By: robronson
Views: 85 Replies: 1 My neighbor in the apartment across from mine got robbed recently and it made me think about my renter's insurance. I barely have much in the realm of receipts and documentation on my things. If it was me that robbed, I'd be pretty screwed.

I think being robbed is pretty traumatic, and trying to remember everything you had and finding receipts after the fact would only make things worse. What I'd like to do is put together a rock solid inventory with pictures, receipts, etc, store it up on my dropbox, and if I ever get robbed, I go up in the cloud, even off my cell phone, email the PDF of my inventory to the insurance man, and move on with my life.

Maybe, I might even wind up a little better off than before because if I could have back what I paid for all my stuff, I'd probably only re-buy half of it since I buy a lot of clothes and things I don't really use.

Anyone have experience on how insurance claims work for personal possessions? There's a lot of threads on car insurance and home owner insurance with respect to tree branches, but I rarely hear anyone discussing submitting claims for personal possession against homeowner or renter's insurance. I'm under the impression that I'll get either the replacement cost or whatever I paid, whichever is less, which leads me to believe I'll get screwed since, like most FWF I go out of my way to shop for sales and deals. So if I only get back what I paid, it's far below market value for many of my things.

Am I under an obligation to hand over receipts for everything? Maybe if I got something well below market value, and I misplace the receipt, or intentionally don't store it, then I'll get replacement value which is higher?

Does anyone else inventory things like papertowels and toiletpaper and shampoo? On the surface it seems silly, but I ran some quick math in my head and I easily have a few hundred dollars worth of cologne, deodorant, TP, papertowels, toothpaste, toothbrushes, facial cleanser, moisturizer, etc. Also, if I have the inventory up in dropbox, I can refer to it when I'm shopping so if I see a good deal on something like bulk papertowels, I can see how many rolls I'm down to, assuming I keep the inventory up to date every month or so.

I've heard people just videotaping everything in their home but that doesn't quite seem granular enough for me. I've already started a rough inventory and realized I actually have around $12k worth of things in my apartment, so my $10k policy won't cover it and I might need to get higher coverage. So another benefit of doing this in something like a spreadsheet is that you actually see what the value of your items are so you can adjust your insurance accordingly.

Anyone have experiences to share on claims or best practices on inventory?


Discussion Deals
Kids Nintendo 3DS games $9.99 Amazon.com - Prime
Added on : Sunday July 06th 2014 01:00:03 PM
g: 0 Posted By: TechNoNerd
Views: 273 Replies: 0 Had some games sitting in my cart for a few days, all the sudden today they moved to the 70% 'bin'.
Searched Google and see this is a good price for new product, so I thought I would share.

TMNT 3DS
SpongeBob 3DS

Could be other titles, I just posted the couple I had in my cart.
3DS Games Deals

Amazon Coupons
g: -1 Posted By: puggle
Views: 253 Replies: 3 http://view.email.safeway.com/?j=ff5e1c7470&m=fe8e1272736c037f77...
Surveys & Rewards Deals
g: 0 Posted By: jskins
Views: 125 Replies: 0 Team Blankets for MLB, NFL, NCAA & More- $24.97 + free shipping with coupon code FREESHIP at Bon-Ton.com

*Choose from many different teams and styles including baby themed style*

A few notables:

Seattle Seahawks Baby Jacquard Field Throw- Was: $56 Now: $24.97
Chicago Blackhawks Baby Jacquard Score Throw- Was: $56 Now: $24.97
University of Wisconsin Baby Jacquard Fullback Throw- Was: $56 Now: $24.97

Bedding Deals

Bon-Ton Stores Coupons
g: 1 Posted By: ShoppingChick
Views: 498 Replies: 2 Disney Store is still having the Twice Upon a Year with Up to 60% Off.Today get free shipping with coupon code FREESHIP and Disney Visa Card holders get and extra 10% off orders of $50+ with coupon code DRVCMEMBER.

A few notables:

Sofia Flip Flops - $1.99
Jake and the Never Land Pirates Flip Flops - $1.99
Planes Flip Flops - $1.99
Sofia Sunglasses - $1.99
Rapunzel Sunglasses - $1.99

Toys Deals

Disney Store Coupons
Foster Farms chicken recalled due to salmonella outbreak
Added on : Friday July 04th 2014 06:00:08 AM
g: 0 Posted By: turtlebug
Views: 119 Replies: 0 ​Link

"...The U.S. Department of Food and Agriculture said it has found evidence directly linking Foster Farms boneless-skinless chicken breast to a case of Salmonella Heidelberg, an antibiotic-resistant strain of the disease that has sickened more than 500 people in the past 16 months and led to pressure from food safety advocates for federal action against the company.

As a result, Foster Farms issued a recall for 170 different chicken products that came from its Fresno facilities in March.

The USDA said its investigators first learned of the salmonella case on June 23, and the recall was issued as soon as the direct link was confirmed. The location of the case and identity of the person were not released.

Foster Farms says the products have "use or freeze by" dates from March 21 to March 29 and have been distributed to California, Hawaii, Washington, Arizona, Nevada, Idaho, Utah, Oregon and Alaska.

The long list of products in the recall include drumsticks, thighs, chicken tenders and livers. Most are sold with the Foster Farms label but some have the labels FoodMaxx, Kroger, Safeway, Savemart, Valbest and Sunland. No fresh products currently in grocery stores are involved..."
Discussion Deals
g: 0 Posted By: ShoppingChick
Views: 140 Replies: 0 Disney Store is still having the Twice Upon a Year with Up to 60% Off.Today get free shipping with coupon code FREESHIP and10% off orders of $50+ with coupon code DRVCMEMBER.

A few notable:

Sofia Flip Flops - $1.99
Jake and the Never Land Pirates Flip Flops - $1.99
Planes Flip Flops - $1.99
Sofia Sunglasses - $1.99
Rapunzel Sunglasses - $1.99

Toys Deals

Disney Store Coupons
Von's free birsa Eye 12-14 oz bag of veg add to Vons card
Added on : Friday July 04th 2014 02:00:07 AM
g: 0 Posted By: puggle
Views: 0 Replies: 0 http://view.email.safeway.com/?j=ff5e1c7470&m=fe8e1272736c037f77...
Oakley Vault: Up to 60% Off Select Items + Free Shipping
Added on : Thursday July 03rd 2014 06:00:08 PM
g: 0 Posted By: DizzyT71
Views: 161 Replies: 0 Oakley Vault is offering Up to 60% Off Select Items + Free Shipping.

Notable Offers:

Oakley Hypercoil Sandals- Was: $52.00 Now: $24.99
Oakley SuperDrive Tour Golf Shoe-Was: $160.00 Now: $44.99
Oakley Motion 42 Duffel- Was: $130.00 Now: $49.99
Oakley OTM Boot-Was: $190.00 Now: $69.99

Note: A few select items on merchant page may be as high as 75% off.




Clothing Deals
TSA Fee Hike Set to Raise Prices on All U.S. Flights
Added on : Thursday July 03rd 2014 04:00:08 PM
g: 2 Posted By: ShakuniMama
Views: 1339 Replies: 24 TSA Fee Hike Set to Raise Prices on All U.S. Flights

A TSA fee hike goes into effect at the end of this month. In a few weeks, the September 11 Security Fee will rise from $2.50 for one-way flights (with a cap at $10 roundtrip) and $5 each way for trips with connections, to $5.60 per one-way flight. The cap will be no more.

Under the new rule, fees for direct round-trip flights will jump from $5 to $11.20.

The way the TSA applies the fees to airfares will get slightly more complex, too. The TSA will $5.60 charge for each flight leg that occurs more than four-hours following a previous leg, for domestic flights. Internationally and for flights to Hawaii and Alaska, the same rule applies for legs that are 12 hours apart. This means that flights with long layovers, which would have previously counted as a single one-way trip, will get taxed doubly. So a round-trip flight with two four-hour connections would cost an additional $22.40 in security fees.
Air Travel Deals
HauteLook: Up to 80% Off 3-Day Weekend Sale
Added on : Thursday July 03rd 2014 02:00:03 PM
g: 0 Posted By: DizzyT71
Views: 173 Replies: 0 HauteLook is having an Up to 80% Off 3-Day Weekend Sale. Free shipping on $100+. Otherwise, shipping adds $7.95.

Few Depts:
Standout Summery Jewelry
Madison Marcus
Romeo & Juliet Couture
Designer Delight
& Many, many more!!

Note: Must sign in with an email address to see site.






Clothing Deals
g: 1 Posted By: rajaram
Views: 201 Replies: 0 In the last one month, I was travelling and shopping for liquor (Mainly Single Malts) at MD, TX, MN, SFO and AZ. I found some at cheaper than Duty Free prices. Here are some examples. May add few more when I find time:

Pinnacle Vodka 1.75L $ 11.99 - upto $7 MIR ($5 off on 1, 12 off on 2 and 211 off on 3), as low as $4.99 + Tax on 11.99 for French Vodka at Total Wine, Roseville, MN (2401 Fairview Ave)

Chivas Regal 18 Year Old Gold Edition 750 ML - $ 42.99 at CostCo, Northern California

Balvenie 12 Year Old, Double Wood, 750 ML - $ 34.99 + Tax at Total Wine, MN

Chivas Regal 12 Year Old 750 ML - $20.99+Tax at Total Wine, MN

Glen Livet 12 Year Old 750 ML - $ 22.99+Tax at Total Wine, MN

Glen Morangie 18 Year Old 750 ML - $ 72.99+Tax at Total Wine MN

Glen Farclas 25 Year Old 750 ML - $ 129.99+Tax at CostCo, Northern California

Balvenie 21 Year Old 750 ML - $ 169.99 at Total Wine, MD locations

Smirnoff Vodka 1.75L $ 14.49+Tax at Total Wine, AZ locations

Glen Morangie The Original 750 ML $29.99+tax at Total Wine, TX locations

Glen Morangie The Original 1.75L $56.99 + Tax at Total Wine, TX locations

Johny Walker Black Lable 750 ML $ 24.99 + Tax at Total Wine, MN

Johny Walker Double Black 750 ML $29.99+Tax at Total Wine, MN

Johny Walker Blue Lable 750 ML $ 127.99 + Tax at CostCo, Northern CA


Beverage Deals
GUNS: Sig Sauer E2022-9-B 9mm 3.9" $379.99.Palmetto Arms + 2 mags AR
Added on : Thursday July 03rd 2014 09:00:05 AM
g: 2 Posted By: sammycornelius
Views: 147 Replies: 0 Not as good as Kentucky Arms a few days ago but still a great price and with the two mags after rebate its an awesome deal. Mags are 30-35 bucks each. I paid $399 for mine a few weeks ago and really like how the gun shoots.

Rebate http://www.sigsauer.com/upFiles/CmsContent/documents/Consumer%20Summer%20Rebate2.pdf
Pistol http://palmettostatearmory.com/index.php/sig-sauer-sp2022-two-tone-9mm-w-siglite-night-sights-e2022-9-tss.html
Guns & Ammo Deals
g: 0 Posted By: rajaram
Views: 0 Replies: 0 In the last one month, I was travelling and shopping for liquor (Mainly Single Malts) at MD, TX, MN, SFO and AZ. I found some at cheaper than Duty Free prices. Here are some examples. May add few more when I find time:

Pinnacle Vodka 1.75L $ 11.99 - upto $7 MIR ($5 off on 1, 12 off on 2 and 211 off on 3), as low as $4.99 + Tax on 11.99 for French Vodka at Total Wine, Roseville, MN (2401 Fairview Ave)

Chivas Regal 18 Year Old Gold Edition 750 ML - $ 42.99 at CostCo, Northern California

Balvenie 12 Year Old, Double Wood, 750 ML - $ 34.99 + Tax at Total Wine, MN

Chivas Regal 12 Year Old 750 ML - $20.99+Tax at Total Wine, MN

Glen Livet 12 Year Old 750 ML - $ 22.99+Tax at Total Wine, MN

Glen Morangie 18 Year Old 750 ML - $ 72.99+Tax at Total Wine MN

Glen Farclas 25 Year Old 750 ML - $ 129.99+Tax at CostCo, Northern California

Balvenie 21 Year Old 750 ML - $ 169.99 at Total Wine, MD locations

Smirnoff Vodka 1.75L $ 14.49+Tax at Total Wine, AZ locations

Glen Morangie The Original 750 ML $29.99+tax at Total Wine, TX locations

Glen Morangie The Original 1.75L $56.99 + Tax at Total Wine, TX locations

Johny Walker Black Lable 750 ML $ 24.99 + Tax at Total Wine, MN

Johny Walker Double Black 750 ML $29.99+Tax at Total Wine, MN

Johny Walker Blue Lable 750 ML $ 127.99 + Tax at CostCo, Northern CA

TSA Fee Hike Set to Raise Prices on All U.S. Flights
Added on : Thursday July 03rd 2014 05:00:11 AM
g: 0 Posted By: ShakuniMama
Views: 140 Replies: 4 TSA Fee Hike Set to Raise Prices on All U.S. Flights

A TSA fee hike goes into effect at the end of this month. In a few weeks, the September 11 Security Fee will rise from $2.50 for one-way flights (with a cap at $10 roundtrip) and $5 each way for trips with connections, to $5.60 per one-way flight. The cap will be no more.

Under the new rule, fees for direct round-trip flights will jump from $5 to $11.20.

The way the TSA applies the fees to airfares will get slightly more complex, too. The TSA will $5.60 charge for each flight leg that occurs more than four-hours following a previous leg, for domestic flights. Internationally and for flights to Hawaii and Alaska, the same rule applies for legs that are 12 hours apart. This means that flights with long layovers, which would have previously counted as a single one-way trip, will get taxed doubly. So a round-trip flight with two four-hour connections would cost an additional $22.40 in security fees.
General Economics Deals
free business checking in NJ with mobile deposit
Added on : Thursday July 03rd 2014 04:00:05 AM
g: 0 Posted By: jerrykiev
Views: 37 Replies: 0 Hello,

Does anyone know of a bank operating in NJ that offer free business checking and has mobile deposit capability for business accounts (e.g. iPhone app)? My wife operates a small consulting business hew a a few client that pay by check. Would love to be able to deposit those checks without running to the branch. This is a no brainer on the personal banking side, but, seems like a revolutionary concept on the business side.

Thanks,
Deposits Deals
Less picky mobile check capture..paypal alternative
Added on : Wednesday July 02nd 2014 02:00:08 PM
g: 0 Posted By: mariemill
Views: 131 Replies: 3 Hello,

I am a very small ebayer and receive a few checks each month, usually from my older clients that are still "old school". (sometimes more than 5, sometimes less). I use paypal for everything (and use their debit card), it is basically my bank. I was very upset when the cancelled remote check capture as I used it every month. I know that many other debit card online banks offer the service but I have not found them to be as easy to use as paypal, most notably in what they will accept for deposit. I receive checks from a lot of people that either mispell my name, (I have one customer that often put eBay before my name etc, or put my eBay username infront of my name, looking like a business name etc.) and I found that as long as my name was on the check, no matter misspelled etc. that Paypal would accept it for deposit, hold it for 6 days and then credit my account. I have tried other online banks (for example SIMPLE bank) and they are SUPER picky with what they take (rejecting a check for a name misspelled etc), or not bright enough picture, etc. I have just found the paypal mobile deposit to be the easiest to use.

Does anyone know of any other entity like paypal that uses the same check processor etc. A debit card perhaps that takes mobile deposits that they aren't super strict with. I was really just hoping that paypal would change it's mind and bring back mobile check capture but who knows when that will change. I have been with paypal since the beginning and I really don't want to change. I will still use them for electronic payments and receivables but that leaves me with checks. Also, I have some mobility issues so I do everything from my house and I hate local bank fees.

any ideas from past experience of what others have used?

Thanks,
Discussion Deals
Under Armour Outlet Summer Event + Free Shipping
Added on : Wednesday July 02nd 2014 09:00:02 AM
g: 0 Posted By: ShoppingChick
Views: 66 Replies: 0 Under Armour Outlet Summer Event with items starting at $4.79 plus get free shipping.

A few notable:

Men's UA Performance Polo (Assorted Colors) - $42.99 (was $54.99)
Men's Under Armour Alter Ego Compression Short Sleeve Shirt - $33.99 (was $44.99)
Men's UA Spine Evo Running Shoes - $67.99 (was $89.99)



Clothing Deals

Under Armour Coupons
g: 0 Posted By: dealhunt1
Views: 55 Replies: 0 A few Head YOUTEK Radical & Prestige tennis racquets are on sale at tennis warehouse for $89 + $25 tenniswarehouse gift card. Seems pretty nice racquets.

http://www.tennis-warehouse.com/catpage-HRPGC.html
g: 0 Posted By: Myers215
Views: 151 Replies: 4 I've had a Citi card for several years. I used that card for two purposes - buying event tickets through Citi Presales (I go to a lot of concerts/events) and one other business purpose which resulted in a few thousand small transactions per year from one merchant. Two weeks ago I went to use the card, got declined and it turns out Citi closed the account. I called and no one could/would tell me what happened or why the card was closed and I was told I'd receive a letter explaining the cancellation. I received a letter from their fraud department a few days later and all it said was "We have the right to close your account for any reason and we're exercising that right." Balance was always paid in full each month and there was never any fraud on the account.

Has this ever happened to anyone else and were you able to get another card from that issuer? I need another Citi card for the Citi Presales but I'd hate to waste a credit pull applying for another one only to have to cancelled on me again.
Personal Finance Deals
g: 0 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/gp/product/B008YIMIQY

4.8 out of 5 stars (6 customer reviews)

So youre a black belt, bodybuilder and think you have all the skills it takes to be a bouncer, huh?

Well you may make a great bouncer, but if you want to become a professional crowd controller who can handle situations effortlessly and with as little violence as possible then you are intelligent enough to recognize the importance of mastering the techniques in this book.

With the nightlife industry becoming so heavily regulated and more and more venues taking a hard line on their no hit policies, the nightlife security industry has dramatically changed since the old days of gorilla bouncers throwing people into trash bins, and therefore by necessity new skills have evolved.

The author has over a decade of experience in the security industry and set out on a quest to codify the most workable techniques in nightlife security and educate others on their use to handle situations effectively, but with as little violence as possible. The author credits his background as a lawyer with many grueling years of experience in dispute resolution as his influence for many of the techniques outlined in this book which require a subtle, yet highly effective method of gaining compliance in oppositional situations.

This book is the culmination of many years of trial and error by the author in learning the most practical and workable techniques of crowd control and learning from the wisdom of veteran security professionals and police officers.

These time-tested techniques have been specifically designed for kindle readers in an easy to learn format of 101 tips, which can be accessed through an interactive contents page for fast access in those times when you find yourself hiding in the bathroom wondering why on earth you ever got into this industry.

Just a few techniques you will learn in this book include:

- Canned routines from experienced crowd controllers on how to refuse people entry and conduct evictions which are easy to learn and put into practice;

- Multiple ways to gain leverage in confronting situations by using your environment; and

- How to control situations verbally and use a little known Jedi trick which demands compliance.

Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 94 Replies: 0 Description

The Replicator 2 Desktop 3D Printer from MakerBot utilizes MakerBot PLA plastic filament for high-quality 3D models while using 32% less energy than its predecessor, the original MakerBot Replicator.

The Replicator 2 provides a 100-micron layer resolution for high quality 3D prints that require little to no sanding or post-production. The Replicator 2 has a build volume of up to 410 cubic inches. This allows you to print multiple things at once for complex assemblies.

The Replicator 2 3D Printer connects to your computer via a USB cable. You can also transfer print files via a Secure Digital memory card. In conjunction with MakerBot MakerWare software, you'll be able to quickly and efficiently print your 3D models with ease, thanks to the user-friendly interface and intuitive icons and menus.

Built with a powdered-coated steel frame, the Replicator 2 can handle high print speeds. The wear-resistant, oil-infused bronze bearings requires less maintenance for added convenience. The 3-point leveling system allows you to adjust more precisely than the original Replicator and stay level for longer. The pop-out acrylic platform makes it easier for you to remove the finished 3D printed model. The updated extruder also requires less maintenance.
Highlights

11.2 x 6.0 x 6.1" Build Volume
100 Micron Layer Resolution
Uses MakerBot PLA Plastic Filament
USB and SD Card Connectivity
3-Point Leveling System
Pop-out Acrylic Platform
STL, OBJ, THING File Formats
MakerBot MakerWare Software
Mac, Windows, & Linux Compatible
3D Printer Made in USA
Features

100-Micron Layer Resolution
The Replicator provides additive manufacturing at 100-micron layer resolution for high quality 3D prints. The high resolution 3D models are smooth so they require little to no sanding or post-production.
410 Cubic Inches of Creative Potential
With a max build volume of 11.2 x 6.1 x 6.0" (12.75" diagonally), the Replicator 2 can print 3D models with up to 37% more volume than its predecessor, the original MakerBot Replicator. It can therefore make complex assemblies in fewer runs as well as produce whole projects instead of just single items.
Designed & Optimized for MakerBot PLA Filament
The Replicator 2 is optimized for MakerBot PLA filament, which is a renewable bioplastic, making it environmentally friendly. The PLA filament can build big with dimensional stability, and it doesn't stick to the platform, resulting in little to no peeling, curling, or sliding. You can also expand your creative palette with a whole range of matte, translucent, shimmery, metallic, and sparkly colors. The PLA filament is strong, which works well for printing out moving parts and complex assemblies. PLA filaments are also ready to print in less than two minutes and have a minimal shrinkage factor, which results in smooth builds with no cracks. PLA filaments also use up to less than 32% energy than ABS filaments.
User-Friendly with Minimal Maintenance
The Replicator 2 requires no assembly. It also has wear-resistant, oil-infused bronze bearings for less maintenance, such as nothing to wash, dissolve, scrub, or tape. The 3-point leveling system adjusts more precisely than the previous model and stays level longer. You can also remove your 3D models easier with the pop-out platform. The Replicator 2 also uses 32% less energy than the original Replicator, thanks to the PLA filament. Also, the updated extruder requires less maintenance as well.
Professionally Engineered
With advancements over the original Replicator, the Replicator 2 has an industrial-strength, powder-coated steel frame, made to handle high printing speeds. It can quickly print projects with optimized software and hardware as well as improved acceleration control firmware.
MakerBot MakerWare Software
With the MakerWare software, the Replicator 2 can prepare models for printing up to 20 times faster, thanks to the MakerBot slicing engine. Just drag and drop multiple models right onto the virtual build space and then make them all at once. MakerWare also supports .stl and .obj files, which is also supported by a majority of third-party design software. MakerWare also supports the .thing file format, which can save multi-part projects into one file. MakerWare has a user-friendly interface with intuitive icons and controls.
Durable Build
The Replicator 2 has a black powder-coated steel frame for durability. It is resistant to changes in temperature and humidity. The Replicator 2 is also customizable as well as designed for quiet desktop operation.
Specs

Product Type: 3D Printer
Product Family: Replicator
Print Jet: Single
Supported Material: Plastic
Brand Name: MakerBot
Print Technology: Fused Filament Fabrication
USB: Yes
Layer Thickness: 0.4 mil
Print/Creation Size: 6.02" x 6.10" x 11.22"
Filament Diameter: 68.9 mil
Height: 15"
Width: 12.6"
Depth: 19.3"
Color: Black
Form Factor: Desktop
Manufacturer: MakerBot Industries, LLC.
Product Name: Replicator 2 Desktop 3D Printer
Product Line: Replicator
Application/Usage: Office,Home
Manufacturer Part Number: MP04948
Manufacturer Website Address: http://www.makerbot.com
Material: Powder Coated Steel - Chassis,Polyvinyl Chloride (PVC) - Body,Acrylic
Weight (Approximate): 25.35 lb

www.ebay.com/itm/371084625117
MakerBot Deals

eBay Coupons
FoodSaver Overstock Sale: BOGO 50% Off Select Specialty Bags Rolls
Added on : Tuesday July 01st 2014 03:00:02 AM
g: 0 Posted By: ShoppingChick
Views: 152 Replies: 0 FoodSaverOverstock Sale has Buy One Get One 50% Off on select Specialty Bags & Rolls with free shipping on orders $25+.

Note: Discount will apply in checkout. You may mix match items. Below are a few notables.

FoodSaverVacuum Zipper Quart Bags- 2x for $22.49
FoodSaver11-in.Portion Pouch Roll- 2x for $17.99
FoodSaver16 Freeze 'N SteamMicrowave Cooking Bags- 2x for $17.99
FoodSaver12 Liquid Block Quart Bags-2x for$17.99
FoodSaver11-in.Expandable Heat Seal Roll- 2x for $22.49

Home & Garden Deals

Food Saver Coupons
unusual merchandize shipping error
Added on : Monday June 30th 2014 06:00:06 PM
g: -1 Posted By: awesmoks
Views: 98 Replies: 2 Normally I would return the product no questions asked, but what would you do if a company tried to screw you first? Then made a shipping error in your favor? Lastly, am I required to send it back?

Here is the short/long version of the story. I wanted to buy a $1000+ television and wanted to do so using discounted gift cards purchased from the internet. I proactively asked and received in writing from the television company "yes you can use unlimited gift cards on that television purchase." Well, turns out their system only lets you apply 4 gift cards to any single order and Im stuck with an extra $600 in gift cards. I tried like hell to escalate to management, they refused, even though I had it in writing from their customer service. Since I would rather be stuck with $600 in gift cards than $1000, I ordered the television anyways. Unfortunately its still the cheapest way to go. Then they canceled the order on me because they don't even keep that television in stock but advertise that they do! Stuck with $1000 in gift cards now meaning I have to buy something I don't want. Next thing I know, the television that was ordered originally arrives at my doorstep, and never paid for because it was canceled in their system. Plus I still have all of these gift cards.

Now this really is the short story. They lied a few times in email about other things, not as important, but still added to the problem. And they were all so terrible to deal with. So the big question here, am I legally required to send it back if they ask? I entered a contract with them originally, but once that contract was canceled and I was never charged, shouldn't that negate everything? If I send it back Im stuck with the gift cards which isn't right. Yea I could negotiate with them, but really, after all the hours I've dealt with them, I just don't want to deal with them anymore.
New User Question Deals
g: 1 Posted By: SkyFwd
Views: 206 Replies: 0 1/2 Off a Fizzio Soda at Starbucks 6/27/14-7/3/14.

Soda available in 16 states, so check ahead to see if you Iive in one of them-here's a few I found:Virginia, Georgia, Florida, Mississippi, Louisiana, North Carolina, South Carolina, Hawaii and parts of California.

http://lp.starbucks.com/fizzio

Ginger Ale
Lemon Ale
Root Beer

Starbucks is rolling out handcrafted sodas.
Baristas will brew the sodas in stores using a Starbucks-branded "Fizzio" machine, which the company bills as a "breakthrough in carbonation technology."
A "tall" Fizzio soda will sell for $2.45. By comparison, a tall coffee costs $1.80. Three decaffeinated flavors will be available starting Tuesday: Spiced Root Beer, Golden Ginger Ale, and Lemon Ale.
With the addition of soft drinks, the company is trying to tap into the SodaStream-inspired demand for healthier carbonated beverages without artificial flavors, preservatives, or high fructose corn syrup.
Unlike the SodaStream, however, the Fizzio is able to carbonate a flavored beverage. This ensures that "every ingredient in the beverage receives the same level of carbonation and maximum flavor," according to Starbucks.
It will also allow Starbucks customers to add "fizz" to Teavana Shaken Iced Teas and Refreshers a service that will cost extra 50 cents.
The SodaStream, on the other hand, carbonates plain water and flavors can be added later.
"We are changing the game in terms of how to get a carbonated drink," Josh Fine, the brand manager for Fizzio, told USA Today. "Like what Starbucks did to coffee 40 years ago, we think we can do in the carbonation space."
The sodas will be available in 16 states, including Virginia, Georgia, Florida, Mississippi, Louisiana, North Carolina, South Carolina, Hawaii and parts of California.

Food Deals

Starbucks Store Coupons
OFFER OVER Free 4 Pack of Lifeway Probugs -coupon
Added on : Sunday June 29th 2014 03:00:07 PM
g: 0 Posted By: remick
Views: 188 Replies: 1 http://coupon.qples.com/qples/v3/printn.html?1703
Food & Grocery Deals
Free 4 Pack of Lifeway Probugs -coupon
Added on : Sunday June 29th 2014 02:00:06 PM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://coupon.qples.com/qples/v3/printn.html?1703
g: 0 Posted By: MrVietnam
Views: 81 Replies: 0 Check your store for this awesome deal I think this may be a regional deal as others may have signage for FREE milk when you purchase Special K Cereal instead.

Get FREE Milk (up to $5.99) when you purchase 2 Malt O Meal cereals through 7/11. (this does not specify if Organic milk is included) Cereal starts at $3.49 each:

Buy (2) Fruity Dyno-Bites, 22 oz $3.49 each
Use (2) $0.75/1 Malt O Meal printable coupons(15 oz+)
Pay: $5.48 + FREE Milk

There are 5 other cereals included in this promo:Cinnamon Toasters, 24 oz $3.99
Golden Puffs $3.99
Marshmellow Mateys $3.99
Frosted Mini Spooners, 36 oz $4.99
Cocoa Dyno-Bites $3.49

Let me know if you find this same deal!!
Breakfast Foods Deals
g: 0 Posted By: View
Views: 28 Replies: 1 I have a 15 years old house built by a reputable builder. (It wasa model home when they were building this community.)
We had a hail in our area that lasted for about 10 minutes. After that the street was flooded with roofing contractors and it seemed like everyone is getting a new roof.
The problem is that I have a 10k deductible on my insurance thinking I'm only insuring for major disasters. I do plan to pay out of pocket(and have enough savings) to self-insure up to 10k if there is a real need for any repairs.

My wife is getting really nervous that everyone is replacing their roof so our roof "MUST have hail damages".
So I went up totake a look and it seemed like the asphalt shinglesall looked just fine everywhere. I even tried to poke a few of them with a screwdriver but they seem steady.

Since I have a 10k deductible, should I even bother getting the insurance involved?
Or could my home be "the only super home on the street" that does not have hail damage?
Am I wrong to carry a 10k deductible to save my insurance premiums? I did it for a reason because the insurance premiums have gone up by more than 100% in since 2008.

I would appreciate any feedbacks. Thanks.
Discussion Deals
Amazon Third Party Deal On Hydroxycut Elite 100 Capsules 21.49 FSS
Added on : Saturday June 28th 2014 10:00:04 AM
g: 0 Posted By: dealjustice
Views: 178 Replies: 1 Amazon Deal On Hydroxycut Elite 100 Capsules 21.49 FSS

http://www.amazon.com/Hydroxycut-Hardcore-Elite-Svetol-Forskohli...

I grabbed a few of these as the price keeps getting lower it is usually around 25.00

Sold by Kart Mart and shipped from Amazon.
Health & Beauty Deals

Amazon Coupons
The Consequences of going ALL IN! - a year later
Added on : Saturday June 28th 2014 06:00:05 AM
g: 2 Posted By: delzy
Views: 99 Replies: 4 I just got back from my annual pilgrimage to Vegas and was reminded of the saga that got me to where I am today: http://www.fullofdeals.com/forums/finance/1041394/

Since I can't comment on an archived thread, I started this post.

LIFE HAS BEEN GREAT since last we talked! I'm grinding out trade lines and while the limits are nothing like they were years past, the banks are still absolutely begging me to borrow and spend.

I have successfully achieved 17 new trade lines and have only been rejected for 3. I have basically been applying for 1 or 2 per month and have been quite successful. Now I know what it feels like to get all excited when a $1000 dollar credit limit is approved.. WOOT! While all my line add up to a whopping total of less than $15k, I have been getting incremental bumps when asking for CL increases every few months.

It has been exceedingly difficult to not fully utilize my meager lines for more of the $18 shiny, I have been sinking my extra disposable into my hoard using the little credit I have. I believe that utilizing the cards and paying in full is what is helping me achieve higher CLs. At the rate I am going, I am looking at a major relapse around 2024.

Back to Vegas, most of the hosts I know have moved or transferred so I'm not really remembered by many. The few that remember me think I blew an inheritance wad and basically have said that my level of play over the last year is insufficient to warrant to the benefits I may have become accustomed to in the past. I did manage a free buffet voucher at the nugget.

Lessons learned?
Buy PMs to hold and Guns to for pulling additional cash out of the plastic.
No, the trustee will not go ask the casinos for your money back.
It is not at all uncommon for gambling to cause BK. It's 2nd or 3rd cause behind medical and drugs.
The system is made by fools for fools and I won't get fooled ever again into acting like a righteous tax slave. There is no shame in enjoying the opportunities afforded to you by the corrupt and inefficient bureaucracy.

Take my lesson and enjoy.
Expedia $50 off $200 - book by July 7
Added on : Friday June 27th 2014 07:00:05 PM
g: 0 Posted By: helloimalbert
Views: 208 Replies: 0 Ripped from therewardboss.com

MagicofMiles reported that Expedia is offering $50 off $200 hotel bookings in 2014.

Whats the catch? You have to give them your mobile #, download and book using their mobile app, and book by July 7, 2014.

Remember that when you book through Expedia or similar website, you wont get credit towards elite status because you need need, for example, book directly with Starwood Hotels to get credit towards Platinum status. BUT, since I will be going to Asia and probably staying in some non-chain hotels, the $50 will come in handy. Sign up yourself and your traveling partner, and you have $100 off $400. If you can use this, get the coupon and book in the next week, otherwise, I wouldnt do this for just $25 off.

I dont usually use these travel booking sites because Im usually using points, but seems many people dont like Expedia check this out: Expedia Scam. In the few times Ive used them I havent had problems but I do make sure that my hotel reservations have free cancellation. I hate prepaid non-cancellable room reservations.


How to get it
Step 1: Click here
Step 2: Enter your mobile number and you will get a discount code. I didnt want to give them my mobile so I tried a google voice number and it didnt work so I entered my real number. They sent a text with a $25 discount code, ugh. But I kept going and downloaded their app, applied the coupon for a stay in NYC > $200 and got a $50 discount. I hate to put my mobile number online and may regret it in the future but I like to make sure deals work before I post them.
Step 3: Click the link in the text message to download the app.
Step 4: Redeem the coupon by July 7th 2014 and get $50. Even though it says $25, you should get $50. See the screen shot below which shows the $50 discount being applied.

On the Expedia page, there is a See Details link and a Terms and Conditions link which link to different offers which makes it nice and confusing but I think I figured it out.
Travel Deals Deals

Expedia Coupons
g: 0 Posted By: jskins
Views: 2 Replies: 0 Samsung 4.2-cu ft High-Efficiency Front-Load Washer (White) or Samsung 7.5-cu ft Electric Dryer (White)- $449 with coupon code 47000LOWES2406S + Free Shipping at Lowes.


Samsung 4.2-cu ft High-Efficiency Front-Load Washer:

4.2 cu ft allows for fewer loads with larger capacity
VRT quietly balances loads
PureCycle removes odors, bacteria, mold and mildew back up; removes 99.9% of harmful bacteria
Diamond drum reduces fabric damage


Samsung 4.2-cu ft High-Efficiency Front-Load Washer (White):

7.5 cu ft capacity allows for fewer loads
Sensor dry saves energy with moisture sensors that automatically adjust drying time


The next lowest price for the washer on Google Shoppingis $848 shipped.
The next lowest price for the dryer on Google Shoppingis $643.92.
Buying a Convenience Store
Added on : Friday June 27th 2014 10:00:11 AM
g: 0 Posted By: QuadesFather
Views: 206 Replies: 7 Forgive me if this has been covered in previous posts. I did a few searches and didn't find anything useful. I've come across an interesting convenience store for sale in my neck of the woods and I'm curious if this has any MS potential. The store is small and in an out of the way place, but is very close to home in an area that I've been looking at to build a new house. My family has owned a drive thru/convenience store in the past so I know exactly what I'm getting into from that aspect. In fact, I wouldn't even consider this business if not for the potential to sell myself gift cards. Has anyone considered making this kind of investment in the MS game? Can anyone point me to any resources. I'm not asking for spoon feeding, but a nudge or two in the direction of the silverware drawer would be appreciated.
General Economics Deals
g: 0 Posted By: remick
Views: 114 Replies: 0 Beginners Guide To Knitting Socks: Learn how to Knit Socks Quick and Easy
http://www.amazon.com/gp/product/B00E9M0H3U

4.8 out of 5 stars (8 customer reviews)

With this book you will learn:

Sock knitting basics such as sizing and knitting test swatches
How to choose the correct yarns and needles for knitting your socks
Sock Cast-on techniques, such as, long tail cast on, Eastern/ Turkish cast on
How to knit socks from the top down
How to knit sock from the toe up
How to avoid the dreaded sock knitting gusset hole.
How to knit two socks at once using circular needles
This book also includes 1 basic sock pattern and 1 ribbed sock pattern for you to work on.

BONUS: As an added bonus this book includes a knitting glossary at the end, for you to use to help understand knitting jargon!



One-Day Crochet: Christmas: Easy Christmas Projects You Can Complete in One Day
http://www.amazon.com/gp/product/B00L9LP608/

Create a beautiful Christmas craft in just one day!

Have you always wanted to learn to crochet but thought it was too difficult?

Have you considered crocheting a Christmas project but thought it would take too long?

Would you like to create a special and meaningful gift for someone or an ornament for yourself?

Are you looking for fun, easy and quick crochet projects to complete in just a day?

Have you seen those beautiful crocheted angels and snowflakes and wondered if it was possible to actually make one?

If any of these questions resound with you, then this book is for you! Inside you will find a review of the main crochet stitches and materials often used in crochet projects, in case you are new to the craft, or are looking for a refresher. Finally, you will find 10 beautiful Christmas patterns that can be completed in just one day. Note that these patterns will help you complete one Christmas project, or perhaps even a few ornaments in one day. For multiple copies of a project or ornament, you can expect that you will need more than one day to complete.

With this book, you can create the following Christmas projects:

- Santa napkin holders
- Reindeer hat
- Traditional ornaments
- Granny square stocking
- Tree ornaments
- Snowflake ornaments
- Wreath ornaments
- Christmas doily
- Mini stocking ornament
- Elf hat


(3 Book Bundle) "Beginners Guide to Knitting" & "How to Knit Hats: The Easy Way" & "How to Knit Fingerless Gloves and Mittens" (Learn How to Knit 7)
http://www.amazon.com/gp/product/B00IO6ZBXI

Book 1: "The Beginners Guide to Knitting"
This book will teach you:

Proper Knitting Needle Sizes
How to Choose Yarn
How to Cast on Knitting
The Most Popular Knitting Stitches
How to Start a New Ball of Yarn
Binding Off
Basic Color Knitting
How to Read a Knitting Pattern
Seaming and Finishing
Increases and Decreases
Knitting in the Round
How to Purl
How to Use Circular Knitting Needles
Knitting Wool
Book 2: "How to Knit Hats: The Easy Way"
This book will teach you:

Hat knitting basics such as sizing and how to determine your gauge
How to choose the correct yarns and needles for knitting your socks
Hat Cast-on techniques
How to complete the Knit Stitch
How to complete the Purl Stitch
How to complete the Stockinette Stitch
How to complete the Ribbed Stitch
Binding off your hat
This book also includes 4 hat patterns for you to work on (Rolled Brim Hat, Spiral Rib Hat, Seeded Slouch Beanie, Seeded Slouch Beanie).
Book 3: "How To Knit Fingerless Gloves And Mittens"
This book will teach you:

Fingerless Gloves And Mittens knitting basics, such as how to knit test swatches
How to choose the correct yarns and needles for knitting your gloves and mittens
Cast-on techniques
How to size your gloves and mittens
2 fingerless glove patterns
1 basic mitten pattern
1 mini-mitten pattern
Get Started Knitting a Fun Project Today!

Totally Free Deals
g: 0 Posted By: darlamack
Views: 94 Replies: 0 Today's MacMall Daily Deals has a few cases for MacBook Pro's up to 15.4" and iPad cases for 99.


http://www.macmall.com/p/Macase-Carrying-Cases/product~dpno~13190400~pdp.iiadacf
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g: 0 Posted By: remick
Views: 26 Replies: 0 http://www.amazon.com/gp/product/B00AVMPGY2

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



VISUAL BASIC: Introduction To Programming
http://www.amazon.com/gp/product/B00JU9RPAA

I wrote this book to bring the basics of programming in Visual Basic to you without cluttering the issue with too much information too soon. It focuses on console applications to bypass the tendency to jump into programming feet first, and ending up with lots of bells and whistles that doesnt really accomplish anything. It is, however, detailed enough to start any reader on the exciting road to programming.
The examples are detailed enough to give a good introduction to Object Oriented Programming (OOP), without clouding the learning process with some of the more difficult principles of OOP.
The book is short enough to be read in one sitting, but not so short that it doesnt accomplish what it sets out to do.
All the resources used to do the programming shown in the book can be downloaded from the World Wide Web without any costs. I have included all the necessary links to the sources used.
I really hope you enjoy reading this book just as much as I enjoyed writing it.
In a few minutes you can be an your way, and who knows what the future holds for you in programming.
Free 18v X4 battery with Ridgid Purchase - YMMV
Added on : Thursday June 26th 2014 08:00:05 PM
g: 0 Posted By: kjgeraci
Views: 166 Replies: 0 I purchase the Ridgid Drill/Impact drive set at HomeDepot today ($279) and I had a choice between a free 18v x4 battery ($119 value) or a RIDGIDJobMax 18-Volt Console Multi-Tool ($99 value). I did not see the same deal online ... it does not mean it is not there, but rather I could not find it in 1min of looking. There were a few other package HomeDepot was selling that had free items with it too. It might be an in-store only deal.

RIDGID18-Volt X 4 Hyper Lithium-Ions Cordless Hammer Drill and Impact Driver Combo Kit + Free ITEMModel # R9200 Internet # 205141594 Store SKU # 1000050962
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g: 0 Posted By: ctgolfer
Views: 110 Replies: 0 shipping adds $5

The iW3 is an AirPlay wireless speaker system that uses your Wi-Fi network to connect and control your iTunes library (Mac + PC) for wireless audio anywhere in the home. Rechargeable Lithium-ion battery for portable placement. The iW3 also supports USB for charging and music playback of iPad, iPhone and iPod with any iPod USB sync cable. Modest size and affordability make this an ideal solution for multiple room placement. Embrace wireless living with impressive technology and an exceptional audio experience.

Wireless

Works with AirPlay wireless audio
Stream wireless music from iTunes, iPad, iPhone & iPod touch. Learn more

Wi-Fi Certified
Certified for 802.11b & 802.11g Wi-Fi Technologies. The Wi-Fi CERTIFIED logo is an assurance that the Wi-Fi Alliance has tested a product in numerous configurations and with a diverse sampling of other devices to ensure compatibility with other Wi-Fi CERTIFIED equipment that operates in the same frequency band.

AirPlay

AirPlay wireless audio streaming over Wi-Fi
AirPlay is a built-in feature to Apple devices that lets users stream audio wirelessly from their iPad, iPhone, iPod touch, and iTunes. AirPlay works wherever there is a Wi-Fi network.

Remote control of streaming music playback
Supports play/pause, next track, previous track, and volume control of iPad, iPhone, iPod touch and iTunes music playback from the speaker control panels.

Simple & quick wireless network setup with iHome+apps technology
Supports simple network setup and custom device naming using iHome Connect, a FREE app available on the App Store for iPad, iPhone, and iPod touch. Launch the app and connect to the speaker (with the included USB sync cable) and follow simple on-screen menus to configure Wi-Fi. Enjoy AirPlay in just a few short minutes after un-boxing.

Docking

USB docking for iPad, iPhone and iPod charging and music playback
Connect your iPad, iPhone and iPod through USB port using the included USB docking cable, or using any USB sync cable, for charging and audio playback.

App Features

iOS App-enhanced device - Works with iHome Set
Set and control device features, and update firmware when necessary, right from the touch-screen interface on iPad, iPhone, and iPod touch a FREE download from the App Store.

iOS App-enhanced device - Works with iHome Connect
Providing simple network setup and custom device naming, right from the touch-screen interface on iPad, iPhone, and iPod touch a FREE download from the App Store.

See the iHome Connect Information Page to learn more about the setup app for iHome AirPlay speakers.

iOS App-enhanced device - Works with iHome+Sleep
See the iHome+Sleep Information Page to learn more about the alarm clock app from the experts on alarm clocks

iOS App-enhanced device - Works with iHome+Radio
See the iHome+Radio Information Page to learn more about the internet radio app for sleeping and waking

Sound Enhancement

SRS WOW HD
Improves the playback quality of audio, delivering a dynamic 3D entertainment experience with deep, rich bass and high frequency clarity for crisp detail

Reson8 speaker chambers
Specially designed sealed speaker enclosures deliver astounding clarity, depth and power

Power

Universal 100-240V AC adaptor
Switching power supply works just about anywhere in the world to power your unit

Additional

Aux-in jack
Listen to aux audio sources (e.g., computer, CD player)

http://moofi.woot.com/offers/ihome-airplay-wireless-speaker-2
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Griffin PowerDuo Universal Micro Car+AC - $5.21 FSSS
Added on : Thursday June 26th 2014 04:00:05 PM
g: 0 Posted By: hansendc
Views: 246 Replies: 0 This has been covered on FW from a few other sources, but not from Amazon in a while. It charges iPhones at the full 1A, and is a pretty good deal for a pair of small chargers from a reputable manufacturer. The AC charger has folding prongs making it effectively smaller than the official Apple iPhone chargers. Free Prime shipping, or FSSS.

link
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g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Most-Influential-Rock-Stars-1960s-ebook/dp...

In 1964, girls all across the United States filled venues, almost literally screamed their heads off, and fainted en masse. Almost from the second they played the first note, The Beatles would be hit with the resounding screams, which made it impossible for them to even hear themselves sing. When they made their American debut on The Ed Sullivan Show in early 1964, they were greeted by young fans who whipped themselves up into such a frenzy that some of them fainted. Beatlemania had struck North America, creating a musical and pop culture phenomenon unlike anything the world had ever seen. At the center of it all was John Lennon and Paul McCartney, the principal songwriting duo who were instrumental in creating the soundtrack of the 1960s, while producing some of the worlds most timeless classics. Together with George Harrison and Ringo Starr, Lennon and McCartney propelled The Beatles to unprecedented heights, sparking Beatlemania on two sides of the Atlantic and experimenting with their sound in ways that revolutionized rock and inspired bands across various musical genres.

In the space of just a few years, Bob Dylan, born Robert Allen Zimmerman, rose from the obscurity of a small Minnesota town to a position of royalty atop the folk music landscape of the 1960s, with a universal esteem and status on a par with Elvis Presley and The Beatles. In the 1960s, Blowin in the Wind and The Times They Are A Changing became anthems of the anti-war and civil rights movements, but long after the transition from the 50s to the late 60s and 70s was accomplished, the initially baffling young folk singer who appeared out of nowhere was awarded a special Pulitzer Prize for his profound impact on popular music, and American culture, marked by lyrical compositions of extraordinary poetic power. Over the span of his career, he has received Grammy Awards, Golden Globes, Academy Award Oscars, and he has been inducted into the Rock & Roll Hall of Fame, the Minnesota Music Hall of Fame, the Nashville Songwriters Hall of Fame, and the Songwriters Hall of Fame, not to mention the Pulitzer Prize and Presidential Medal of Freedom.

It is rare in the world of music for a general consensus to form over who was the best at anything. Many would call The Beatles the greatest rock band, but its easy to find strongly opinionated dissenters. However, when it came to playing a guitar and laying the soundtrack for the psychedelic era, just about everyone agrees there was Jimi Hendrix (1942-1970) and then there was everyone else. Anyone arguing otherwise either never heard his music or saw him perform. In fact, Jimi Hendrix is one of the few musicians known primarily for his sound and what he could do with a guitar than for his discography.

Dubbed by many as the First Lady or Queen of Rock & Roll, Joplin both invented and installed the rock mama paradigm into the American rock consciousness, a patriarchal and fraternal industry that, much like the societal traits it protested, restricted women to a narrow and conservative criteria for entrance. With only a very few kindred spirits, such as Grace Slick of Jefferson Airplane, she pioneered a new range of expression for white women.

In the mid-1960s, an era on the CUSP of change from the musical and social norms of the previous decade, the emergence of Jim Morrison, the charismatic poet/musician of The Doors, helped to transform the subgenre of rock n roll as a stylistic flavor to the full-fledged institution of Rock Music. Morrison accomplished this transformation by avoiding membership in any of the known categories of modern rock music during the age of protest, but at the same time, he became the general symbol of anti-authoritarianism for his generation and the next.
Totally Free Deals
Free Kindle Book - Secrets of Buying and Selling Used Equipment
Added on : Thursday June 26th 2014 01:00:11 AM
g: 0 Posted By: remick
Views: 31 Replies: 0 http://www.amazon.com/gp/product/B004FEFAX4/

Billions of dollars of used equipment changes hands every month. This almost hidden business is a perfect way for any person to work from home and make over $100,000 per year.

Having been a used equipment dealer for over ten years, D. Alan Johnson shares the secrets that he learned from a multimillionaire who dealt in used oil field equipment.

Using a step by step checklist plus many stories of his most interesting sales, D. Alan Johnson gives you an insider's perspective on where to find equipment to buy, how to finance the deal, and how to sell, including overseas transactions. Plus there is an entire section on how to turbocharge your profits through installment sales.

Not just any business guide, Johnson tells you the secrets of specializing in a certain type of machine, how to tell if you have the personality to succeed as a dealer, and the pitfalls to avoid.

The worksheets for buying selling and structuring the financing of the deals is worth many times the price. But included are inner secrets of negotiation, marketing tips, and how to sell to Third World Countries.

If you would like to try a lifestyle where there is no commute, no boss, and where you get paid according to the amount you work multiplied by the amount of your ingenuity, then you could be a self employed equipment dealer in just a few months.
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Taking over mom's house and adding accessory unit?
Added on : Wednesday June 25th 2014 11:00:07 AM
g: 0 Posted By: nicki11012
Views: 49 Replies: 0 My mother lives in a beautiful large house that sits on 1 acre of land. She is 55 y/o (a hairstylist) and her hair salon is on the side of the house. There is a 2 car garage out in the back that is connected to the house by a porch. The garage has an attic on top - the whole structure is ~ 900 sq feet. My mom loves her house, but was thinking about moving to a condo because it's way too much space and maintenance for one person. She hasn't sold because her hair salon is on the side of the house - if she sells the house, the self-owned business is gone too.

My husband and I (30 yrs old) moved in about 2 years ago. We were only going to stay for a few months, but we've had ample space and have been doing well there. We started thinking... hmm, maybe we could take over this house (we both love it) and we could transform the garage into that condo my mom wanted. We would be in a nice house and she would be able to maintain her business. We could share a lot of expenses. I am an only child, so I could help my mom as she gets older and she'll be there to help babysit as we start having children... sounds great!

The house is probably worth $550k and my mom owes about $100k. Her mortgage is only $1200 per month right now. If we were to build the accessory unit it would cost about $100k to build. If we were to do this, we need to figure out who would pay for it - to refinance the house, we'd have to put our names on the deed (she doesn't make enough to refinance alone). My husband and I couldn't afford to buy it from her for the full price - if we were to buy our own house, our budget would be about $400k. Do we rent from her? What happens when the house needs a new roof, etc?

Also, because my mom owns her own business, she doesn't have the best retirement package. The most complicated aspect of all of this is that the equity in the home will probably be needed at some point in time for retirement. We would just buy the home outright if we could afford it, but we can't. If we take out the $ to do the accessory unit from the equity and then rent from her, she may need $ from the home later, which would affect the monthly cost of the home in the future.

We have this wonderful home that we all love and the mortgage is crazy low - I would love to have my mom around to help with dogs, kids, etc... We could share so many expenses and my mom could keep her business, but it just seems insanely complicated to work everything out.

Does anyone have thoughts/advice??
New User Question Deals
Medical liability of sponsor of visitor visa
Added on : Wednesday June 25th 2014 07:00:09 AM
g: 0 Posted By: Veeekay
Views: 51 Replies: 0 One of the contractors I work with is on a work permit (H1) and is in the US for the past 6 months. Approx a month ago his inlaws were visting him on his invitation and he providing documentation to the State dept that he would provide financial support to them during their visit to get their visitor's visa (standard procedure).

A couple of days into the visit his MIL started to throw up and a day later she had jaundice (yellow eyes). He took her to the emergency room because she was so dehydrated. Emergency room checked her out, but ruled out Hepatitis virus. After a few rounds of diagnosis, the doctors confirmed that she had stage 4 cancer of the liver. At this point, his inlaws just want to get her to a point that she can travel back to the home country to start treatment, which the hospitals here did. His inlaws used their travel/visitor's health insurance, but provided his address as the mailing address.

Now bills are being sent to his address for the ones over the limit of what the travel insurance would cover. Speaking to travel insurance he gathered that there is over $50K of outstanding bills (so far) but don't know how much is over the limit. He does not know how to proceed. On one hand because he sponsored them, he feels obligated to pay the amount not covered by insurance. However, he fears that it may be many times over his savings. He does not want to pay part of it, because he's concerned that if this gets sent to collections (for the rest of the amount), somehow collections would make him responsible because he paid part of it.

Does anyone know what his liability is?
Screening tenants
Added on : Tuesday June 24th 2014 11:00:07 PM
g: 0 Posted By: shankman007
Views: 36 Replies: 0 Long time lurker and sometime poster here. I purchased my first "rental" townhouse two months ago and have been looking for a suitable tenant since. The townhouse is in the Tampa Bay area. I am using a realtor to screen potential tenants and have also advertised on various websites (CL, hotpads, Trulia etc). The problem I am having is that the profile of tenants I have seen in the rental market I am looking is very disappointing. I have tried to follow the due diligence that is often discussed in this forum (credit history, past rentals, no major collections, etc) and most of the applicants who eventually put in an application (3x of them in total so far) have had various issues with their credit history or did not have enough cash to do a first/last month deposit (especially the person with no prior rental history). Also, I have put in a pet clause and have advertised an addition $25 per month pet fee + last month deposit. Pet owners are shying away because of this additional fee. The advertised rent is in the 1300-1500 range (so not exactly low end for that market). I have lowered the advertised rent twice since I first put up the townhouse for rent (the rent is down by $100 now). There are similar townhomes renting for the same price in that area. I did do some research on the supply/demand situation and the community I purchased the townhouse in seems to have few renters and the school district is stellar from what I hear. Further, there is not a whole lot of townhomes for rent in that community. There are clearly other factors at play here which is preventing me from finding a good tenant.

Any advice on how to find a decent tenant?
Question Deals
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 shipping adds $5

The Panasonic KX-TG234SK expandable, digital, cordless telephone features DECT 6.0 Plus technology. Aside from the outstanding range and voice clarity provided to you via the DECT 6.0 technology, this phone also carries a digital answering system. With Panasonic text-to-speech technology the caller ID information is announced once the phone rings. The silent mode feature turns off the handset ringer when needed. The cordless phone system with 4 Handsets is designed to simplify the way you make and receive calls with the large LED light, 1.8" LCD screen, big buttons and simplified keypad layout.

DECT 6.0 Plus technology
Takes the superb sound quality and outstanding range of DECT 6.0 phones to a whole new level. The phone also offers a talking alarm clock and a talking battery alert that lets you know the low battery status. The call block feature lets you store unwanted callers and the light-up indicator with range alert flashes for an incoming call or new message. For additional convenience the KX-TG234SK offers up to 3-way conferencing and intercom facility.

Talking Caller ID
Hear whos calling from across the room. Panasonic phones featuring Talking Caller ID announce caller ID information in between rings so you dont have to stop what youre doing to answer unwanted calls.

Designed for Ease of Use
Innovative, user-friendly features make keeping in touch easier than ever. A large LED light atop the handset lets you know when someone calls, perfect for when you cant hear the ringer, and an easy-to-read, extra-wide LCD display lets you see whos calling at a glance. Bigger buttons make dialing a breeze while an amplified handset volume ensures you catch every word, even when theres background noise.

Intelligent Eco Mode
This feature automatically lowers the power consumption when youre using the handset close to the base unit. Not only does it extend the available talk time, its good for the environment. When less power is used by the handset to communicate with the base unit, battery life is prolonged which results in less frequent charging and can result in fewer batteries in landfills.

Tone Equalizer
Everyone hears differently. To maximize clarity or accommodate hearing loss, Panasonic added Tone Equalizer control. This exclusive feature actually lets you adjust bass, mid-range or treble tones in a callers voice for maximum clarity.

Call Block
Store the Caller ID info of any and all unwanted callers into your phones Call Block list so that you can eliminate future pesky calls from them. After their information is stored, theyll get a busy signal if they call you again.


http://electronics.woot.com/offers/panasonic-4-handset-dect-6-0-...
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g: 11 Posted By: ltcm
Views: 5686 Replies: 99 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

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

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

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

UPDATE with inspection photos below, thoughts welcome.

Real Estate Deals
g: 0 Posted By: ctgolfer
Views: 27 Replies: 0 iPhoto - everything you love about viewing, editing, and sharing photos but with the power and simplicity of Multi‑Touch.
iMovie - You can shoot 1080p HD movies from your iPad. And with iMovie, you can turn that footage into a Hollywood-style trailer or mini feature film.
GarageBand - GarageBand lets you play a collection of Touch and Smart Instruments that sound just like their real counterparts but let you do things you never could on a real instrument.
Pages - Apple-designed templates and easy-to-use formatting tools let you create beautiful letters, flyers, reports, invitations, and more.
Numbers - Make innovative spreadsheets in a few taps with over 250 easy-to-use functions, an intelligent keyboard, flexible tables, and fun 3D charts.
Keynote - Create presentations with elegantly designed themes, custom graphic styles, stunning transitions, animated 3D charts, and more.
Facebook - Keep up with the people you know. Share your updates, photos, and videos. And see what friends and family are up to.
MLB.com At Bat - See every pitch and every at bat live on iPad. Get home and away radio broadcasts, video highlights, news, stats, and more.
Gilt Taste - Get great deals on food and wine, and read exclusive stories and recipes from famous chefs and food writers.
Houzz Interior Design Ideas - Browse design photos by style, room, or location, and find local designers who can make your design dreams a reality.
Barefoot World Atlas - Learn about different regions of the planet, encounter amazing wildlife, discover landmarks, and see the world in 3D.


www.ebay.com/itm/Apple-iPad-w-Retina-Display-Latest-Model-16GB-W...
g: 0 Posted By: javajoejava
Views: 350 Replies: 0 I received a price drop alert for the Cuisinart FP-12 Elite Collection 12-Cup Food Processor for $134 at Amazon with Free Shipping. This is the Elite model with 1000 watts of chopping insanity. Multiple bowls that nest for flexibility and convenience. Normally sells for $190-210 so this is a HOT price! Available in Black or White but just a few left so act fast. 4.2 out of 5 stars. At the all time low price according to the camels. Enjoy!

LINKY

1000-watt food processor with 12-cup work bowl and nesting 4-cup work bowl
On/off/pulse touchpad controls; wide-mouth feed tube; blade-locking system
Stainless-steel slicing disc, shredding disc, chopping/mixing blades, and dough blade
Dishwasher-safe parts; spatula, "how-to" DVD, and recipe/instruction book included
Product Built to North American Electrical Standards

Combining the Cuisinart tradition of culinary excellence with groundbreaking innovation, the Cuisinart Elite Collection 12-cup food processor sets the bar for the next generation of kitchen appliances. With a 4-cup work bowl nested inside the big bowl, plus the adjustable 6 position slicing disc and reversible shredding disc, it provides home chefs with multiple food processors in one! The exclusive SealTight Advantage System is designed to deliver maximum bowl capacity and clean processing and pouring. The 12-cup food processor is equipped with 1000 watts of peak power and a variety of accessories that make every meal easier to prepare. It is truly the finest food prep appliance available for today's modern kitchen.-JavaJoeJava
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g: 0 Posted By: javajoejava
Views: 314 Replies: 0 I received a price drop alert for the Cuisinart FP-12 Elite Collection 12-Cup Food Processor for $134 at Amazon with Free Shipping. This is the Elite model with 1000 watts of chopping insanity. Multiple bowls that nest for flexibility and convenience. Normally sells for $190-210 so this is a HOT price! Available in Black or White but just a few left so act fast. 4.2 out of 5 stars. At the all time low price according to the camels. Enjoy!

LINKY

1000-watt food processor with 12-cup work bowl and nesting 4-cup work bowl
On/off/pulse touchpad controls; wide-mouth feed tube; blade-locking system
Stainless-steel slicing disc, shredding disc, chopping/mixing blades, and dough blade
Dishwasher-safe parts; spatula, "how-to" DVD, and recipe/instruction book included
Product Built to North American Electrical Standards

Combining the Cuisinart tradition of culinary excellence with groundbreaking innovation, the Cuisinart Elite Collection 12-cup food processor sets the bar for the next generation of kitchen appliances. With a 4-cup work bowl nested inside the big bowl, plus the adjustable 6 position slicing disc and reversible shredding disc, it provides home chefs with multiple food processors in one! The exclusive SealTight Advantage System is designed to deliver maximum bowl capacity and clean processing and pouring. The 12-cup food processor is equipped with 1000 watts of peak power and a variety of accessories that make every meal easier to prepare. It is truly the finest food prep appliance available for today's modern kitchen.-JavaJoeJava
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g: 0 Posted By: ctgolfer
Views: 68 Replies: 0 The slimmest and lightest 1920x1200 resolution Full HD Android Tablet:
Feeling unsatisfied with the quality of an average screen? An upgrade to a FHD screen is what you need. The 1920x1200 resolution is more exquisite and offers more details for a Full HD visual experience

The Super IPS+ offers 600nits of ultra bright backlight so it can be read easily, even under sunlight, at angles up to 178 wide. Screen toughness is also not a problem. As the 1st tablet with the latest generation Corning Gorilla Glass 2, the Infinity offers improved screen impact resistance so it'll look great even after extended usage. Get immersed in entertainment on the Transformer Pad Infinity!

The Fastest NVIDIA Tegra 3 CPU Ever:
Powered by the fastest NVIDIA Tegra 3 4-Plus-1 chip around, the world's 1stquad-core mobile CPU blazes at 1.6GHz, providing the Transformer Pad Infinitythe power to browse the web and play 1080p HD video at lightning fast speeds. The snappier response time and better multi-tasking performance make the Transformer Pad Infinity a true mobile entertainment powerhouse

Improved Graphics Performance:
Designed for the next generation of mobile games. More realism with dynamic lighting, physical effects and high resolution environments.

Transform to notebook mode with a full QWERTY chiclet keyboard mobile dock and up to 14 hours* of battery life:
Admit it! You miss the touch and feel of a real QWERTY keyboard. The TransformerPad Infinity offers you a choice to enjoy both notebook and tablet mode and flexible data transfer or storage with the built-in SD card reader and USB port in the optional mobile dock . The mobile dock offers a full QWERTY keyboard with touchpad and USB port, while also extending battery life to an incredible 14 hours* for all day computing on the go

Incredible Beauty:
The metallic spun finished design on the Transformer Pad Infinity showcases technology blended with style. At only 8.5mm thin and 598g light, the Infinity'sprofile is feather light so you can take it around without being burdened by size or weight

Superior 8MP rear auto-focus camera with flash:
The Transformer Pad Infinity is equipped with the most advanced CMOS sensor and a large F/2.2 aperture, 5-element lens and hybrid IR filter design to ensure sufficient light exposure and making your photos bright and clear. The camera also has a dynamic auto-focus mode and touch to focus function that focuses moving objects and increases the shutter speed to reduce blur.

With the high speed auto-focus & color enhancement design, it provides 30% better color enhancement for crisp and vivid colors, allowing the Transformer Pad Infinity to capture a clear and breathtaking image

Incredible audio experience with ASUS Sonicmaster Technology:
Tuned by the ASUS Golden ears team, audio on the Transformer Pad Infinity is delivered with the most precise processing protocols and codecs, superior speaker construction and large resonance chambers for unforgettable audio enjoyment.

SuperNote - super great app for more than note taking:
SuperNote is a versatile note taking app that allows users to take notes and information through a variety of options, including the keyboard, finger input, photo and video capture or audio notes.

ASUS WebStorage:
Through the preloaded ASUS WebStorage, users can easily sync across all devices. ASUS WebStorage is a complete cloud solution with one tap to backup. Get startedwith the free lifetime 8GB storage from the Transformer Pad!

Polaris Office, a professional mobile office Solution:
Preloaded on the Transformer Pad Infinity is Polaris Office, a professional mobile office solution which enables users to edit various types of office documents including documents (.doc), spreadsheets (.xls) and presentation files(.ppt), making the Infinity very attractive for professional use. In addition, the ultra-convenient 8GB of ASUS WebStorage space provides worry-free cloud computing, and best of all, is free for life!

Android 4.0 Ice Cream Sandwich OS:
Android 4.0 (Ice Cream Sandwich) is the latest version of the Android platform built for phones, tablets and more. It provides easy multitasking, rich notifications, customizable home screens, resizable widgets and deep interactivity for a full web experience. Supporting Adobe Flash and the ever growing Google Play, entertainment is a finger swipe away. The convenient ASUS Launcher also allows users to launch software, manage content, access online services and connect devices with a few simple taps.

www.ebay.com/itm/ASUS-TF700T-B1-GR-NVIDIA-Tegra-3-1GB-DDR3-Memor...
Android Tablets Deals

eBay Coupons
Best Western Dover, DE for $1 a night valid 2/27/15-6/4/15
Added on : Monday June 23rd 2014 06:00:03 AM
g: 0 Posted By: WCU1
Views: 263 Replies: 0 http://book.bestwestern.com/bestwestern/selectRoom.do?stdRateFla...

Will need to toogle over dates from February 27,2015 through June 4, 2015. $1 (or less) a night rooms. Great for NASCAR weekend.

Officially in Smyrna, DE a few miles away from Dover. You could potentially rent out the entire hotel for about $60 or so.

Who's in for a cancellation?
Travel Deals Deals

Best Western International Hotels Coupons
g: 0 Posted By: javajoejava
Views: 54 Replies: 0 I received a price drop alert for the Cuisinart FP-12 Elite Collection 12-Cup Food Processor for $149 at Amazon with Free Shipping. Normally sells for $190-210 so this is a good price. Available in Black or White but just a few left so act fast. 4.2 out of 5 stars. At or near the all time low price according to the camels. Enjoy!

http://www.amazon.com/gp/product/B002KAPD6Y/ref=oh_details_o00_s...

-JavaJoeJava
Appliance Deals

Amazon Coupons
g: 0 Posted By: CindyLouWho2
Views: 20 Replies: 0 ~~Moe's Southwest Grill - Sign Up Rec A Free Cup of Queso & Entree on Your B-Day
Moe's Southwest Grill - Sign up Rec a Free Cup of Queso & Entree on Your B-Day
Sign up with Moe's to receive a free cup of Queso and a free burrito on your birthday! All coupons will be sent via email.
http://www.moes.com/connect/eworld/
Food & Grocery Deals
Advice on rebuilding credit
Added on : Sunday June 22nd 2014 09:00:04 PM
g: 0 Posted By: dgsion
Views: 62 Replies: 0 Hi guys, I know there are some sharp folks here. Long story short I'm 29 years old and about 4 years ago I lost everything I had and some $ borrowed from banks in the stock market. That, coupled with student loans made my credit score go from near 800 to the floor. I checked it a few months ago and I think it was around 500 something. My question is what would you recommend for rebuilding it? I know most places won't extend a line of credit, via retail or others but I heard some are easier than others.. someone said Amazon was easier? My debts are still outstanding but written off, so correct me if I'm wrong but I believe the credit score will not be dinged if that's the case. Cheers.
Question Deals
Death of Spouse, whats next?
Added on : Sunday June 22nd 2014 07:00:08 PM
g: 0 Posted By: whyhello
Views: 101 Replies: 1 Hello all-

A friend of mine has passed away, and now there have been a few questions arisen.
They were married. Man and woman. Man has passed away. Any insight information will be appreciated.
There is no will. There is no power of attorney.

Mortgage?
Under both names, husband death, widow does not work. (Contacting mortgage company to see if there was any insurance to cover the rest of the loan.)

Credit Cards? (Widow may be just an authorized user.)
Under both names, husband death. Widow liable?

Husband business?
Under husband only, husband death. Assets go to widow?

Medical Bills?
Under husband only, husband death. Widow liable?

Husbands assets - such as car, jewelry, etc?
All goes to widow?



What about for the kids of the dead spouse?

Are there any benefits in this matter?

Social Security benefits?

Kind Regards. Thanks
Discussion Deals
Free Kindle Book: Contest Guru's Guide To Winning Sweepstakes
Added on : Sunday June 22nd 2014 07:00:05 AM
g: 0 Posted By: remick
Views: 149 Replies: 0 http://www.amazon.com/dp/B00KQ3DTGI/

4.9 out of 5 stars (10 customer reviews)

Do you want to win trips, cars, big screen TVs, computers, money and more? Have you ever wondered why some people are so lucky and win over and over again? Have you ever wondered what their secret is?

There are hundreds of sweepstakes open for entry every day of the year, and thousands of prizes available for you to win. Sweepstakes are FREE to enter!

BIG prizes include cars, home renovations worth a $100,000+, round-the-world trips, and big cash prizes of $10,000 and more. Medium sized prizes include home theatre systems, computers, full camera systems, trips to Disney World, Europe and more. Small prizes range from books, T-shirts, and hats to ipads, iphones, watches, beauty bundles and more.

Have you ever walked by a draw box in a store and NOT entered? BIG mistake! these sweepstakes have some of the best odds going.

Some people only enter a sweepstake occasionally and win. Others make their living entering sweepstakes and win OFTEN! It doesnt matter where you are in this continuum, as long as you enter, you have a chance of winning. All it takes is a few minutes of your time and knowing how to increase your odds for winning.

Contest Gurus Guide to Winning Sweepstakes is all about WINNING.


You will find out about the legalities of sweepstakes; how to find legitimate sweepstakes with fabulous prizes; how NOT to get disqualified; how to leverage software to enter more contests, faster; and how to avoid scams. Youll also get resources to help you keep your hobby under control and dozens of links to the best sites for finding and entering sweepstakes.

Find out about the exciting world of sweepstakes and join thousands of happy winners who win BIG prizes all the time!

Winning Sweepstakes was first published in 1986 as Winning Ways. It was a best seller from day one. Over the years it has been revised numerous times. This is the first Kindle edition.
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Glary Utilities PRO - 12 months license free today @ BitsDuJour
Added on : Saturday June 21st 2014 09:00:09 AM
g: 0 Posted By: wtjc
Views: 202 Replies: 1 Link - Face it, your computer is not the new hotness that it was when you first pulled the squeaky styrofoam blocks off of its shiny corners. Since that day, regular operation of your machine has gummed up the works, making common tasks like booting up, shutting down, browsing the web, and running applications slow and unstable Glary Utilities PROis a Swiss Army knife of system optimization suitable for use by novice and professional alike. WithGlary Utilities PRO, you'll have access to registry and disk cleaning, privacy protection, performance acceleration, and amazing multifunctional tools. With just a few clicks,Glary Utilities PROcan repair registry errors, optimize internet speed, recover wasted disk space, safeguard confidential files, and maintain maximum performance.

I've been using this for a few years both as the free version and the paid pro version and so far I haven't paid a cent for it. The software does what it says it does. Verysimilarto CCcleaner. This is only available for the next 12 hours to download and install. The registration key can also extend your old subscription to a full year.

Hint: If you are trying to extend your old subscription click on overview. Then lower right manage license. Then click on refresh and put in new registration key.
Software Deals
Stingrey Polarized or Reflective Sunglasses $13.99 @ Woot
Added on : Friday June 20th 2014 08:00:07 PM
g: 0 Posted By: ctgolfer
Views: 45 Replies: 0 shipping adds $5

The Stingrey Polarized or Reflecitve Sunglasses have a tradition fit and feature FLX-T Technology. This technology has fewer pressure points therefore providing zero tension. You will not get a headache even after several hours of wearing these extremely flexible, ultra-lightweight glasses.

Polarized or Polycarbonate Reflective lenses
Reduced glare
Aerodynamic shatter-resistant lens
Memory technology helps the sunglass keep its shape
Long-lasting wear without pinching
Lightweight
100% UV protection

http://sport.woot.com/offers/stingrey-polarized-reflective-sungl...
Sunglasses Deals

woot! Coupons
g: 1 Posted By: robronson
Views: 118 Replies: 4 From my understanding of federal student loan debt that is discharged after 20/25 years (depending on your plan), you become liable for income taxes on the amount forgiven. While I don't expect this to remain once people's student loans start getting discharged in 10 to 15 years under these relatively new plans, because people won't be able to pay income taxes on a phantom $300k of student loan debt (after 25 years of compounded unpaid interest on a $50k to $100k principal) and will get their elected officials to change the law.

However, we can't prepare for that, and reading a thread on FWF tonight got me to learn about avoiding income taxes on discharged debt through "insolvency tests". I did some googling and read this IRS information here:

http://www.irs.gov/publications/p4681/index.html#en_US_2013_publ...

To summarize, it looks like the IRS will perform this insolvency test to determine whether you have to pay income taxes on those $300k of forgiven student loans in 20 years. Simply put, the test looks to see how much debt you had forgiven compared to your assets, and whatever the difference between the two numbers (liabilities minus assets) determines how much of the forgiven debt you need to pay taxes on.

Unfortunately, and VERY UNFAIRLY, the IRS counts retirement assets as assets. Which is ridiculous because $100k in a 401k isn't worth $100k. It's worth maybe $80k after you pay taxes on it. And if you had to withdraw it early, with a penalty, it's worth maybe $50k to $60k depending on your marginal tax break. Thus, the purpose of this thread is to strategize ways to make the insolvency test work in your favor because as written, it's very much against you.

Much like Medicaid fraud, I mean Medicaid asset protection, you probably don't want to start doing these things in the year your debt will be forgiven. So while the earliest any of us might possibly be forgiven for debt is still probably 10+ years out (since this plan didn't start until the early 2000s), it's worth thinking about in advance.

Here's some random ideas that may work:

1) Buy a house. As expensive as the bank will lend you money for, with as little down payment as possible, leading up to the debt forgiveness. It appears that the liability of the house counts in the liabilities column. So if you buy a $200k house with $40k down, then you now have $160k in Liabilities and $40k in assets for a net Liability of $120k.

2) Start converting 401k into Roth IRA in the years leading up to the loan forgiveness. Pay the taxes owed on the conversion out of the 401k money if necessary. Pay a penalty if necessary. You will get hosed for every $1 you have in your 401k or Traditional IRA because they will count every 60 cents to 80 cents in actual value (after you distribute the money and pay taxes/penalties) as $1. Since $1 of a Roth IRA is worth significantly more than $1 of a Traditional IRA or 401k, but the asset test counts the dollars the same, it may be worth converting even if it pushes you into a higher marginal tax bracket.

3) AOR BT Time, if those still exist in 10+ years. That's debt. If the cash vanishes, maybe because you went to Vegas, then the cash isn't an asset. But the BT is definitely a liability.

4) Borrow money from friends/relatives. Make it official. Notarized contracts. These are all liabilities.

5) Prepay for things you can prepay that won't count as assets. Prepay your child's education or daycare. Etc.

6) Combine strategies. Don't just have a notarized piece of paper that says you borrowed $300k from your best friend a week before the loan discharged. No one will believe that. But if you have a $100k left on a mortgage, $5k owed to your cousin, $20k on credit cards BTs, convert all of your 401k to Roth IRA over a few years, then the total strategy looks legit on a whole.

Curious to hear people's ideas on these. I don't feel bad for discussing them because (a) the concept that the IRS will tax you on income you didn't get and (b) the concept that they'll count your 401k assets as $1 for $1 are so totally biased against you that anything and everything is fair game, as long as it's legal. Ethics no longer applies.

I'm writing this for student loan debt forgiveness but feel free to use this to discuss any current 2014 debt forgiveness/insolvency testing issues.
Discussion Deals
g: 0 Posted By: avash
Views: 218 Replies: 0 Deal just got hotter.

Was originally posted at $529.99, before lowered to $519.99 a few days ago. Now it's even cheaper at$498.00shipped and sold by Amazon.com which is an awesome deal for it. Amazon link

Previous threads for reference:12

Highlights:

16.1MP APS-C sensor, up to 10 fps shooting
Fast Hybrid AF with phase detection
AVCHD 1080 60p/60i/24p HD movies
XGA OLED electronic viewfinder
Built-in Wi-Fi
Quick Navi controls
E-mount 16-50mm lens


I used to have a NEX-5N with the 18-55 kit lens and sold that on CL after getting the NEX-6 with 16-50 PZ kit lens included. I also have the SEL35F18 prime lens and the SEL20F28 pancake lens which are both great lenses to have on the lower (wide) coverage. I primarily use the 20mm pancake with decent light since it's nice and wide and switch to the 35mm prime in low light, or the 16-50PZ when prime lenses won't work and I need something more versatile and low light isn't an issue.

What I love:
- Wi-Fi (I use PlayMemories App on my Windows 7 laptop and Android smartphone to get pics from my camera without needing to use the USB cable)
- On-board charging through the micro-USB port (no need to carry an external battery charger)
- Hybrid phase and contrast detect for faster focusing (vs. contrast only detect from my old NEX-5N)
- electronic viewfinder which automatically toggles on through a proximity sensor (awesome for bright outdoor use, not having to use the screen)
- 16-50mm power zoom lens compactness and reduced weight (vs. the 18-55 kit lens from my old NEX-5N)
- it retained the articulating screen from the NEX-5N (can't do self portraits as the screen doesn't flip 180degrees but you can use Wi-Fi to remotely view and trip the shutter, YAY!)
- universal hotshoe vs. proprietary port (actually a bit of a lie, it's Sony's Multi Interface Shoe which combines universal hotshoe and their own port, so best of both worlds I suppose)

What I don't mind:
- Increased size, but not a bad trade off considering better grip, ergonomics and weight seems the same thanks to lighter 16-50mm PZ lens.
- Loss of touch screen, but not a bad trade off considering I've adapted quite well as the new physical mode dial accomplishes about 80% of what I used to do on the touch screen.
- 16-50 PZ lens doesn't feel as nice as the 18-55 manual zoom kit lens but not bad considering it's made it MUCH more pocket-able which is why I got the NEX in the first place.

What I don't love:
- Decreased battery life, reviews say less shots per charge, even less when using the EVF a lot. I have played with the settings to maximize battery life.


If you were on the fence about it, this is a great price for a very competent mirrorless interchangeable lens camera from Sony.
The reason the price is so low is because it's being clearanced out in favor of newer models with better hybrid phase detection, different screen articulation, new Alpha naming instead of NEX, etc.
SLR & dSLR Deals

Amazon Coupons
Minimum Income Required For CC Approvals?
Added on : Friday June 20th 2014 08:00:08 AM
g: 0 Posted By: swedishlionfish
Views: 107 Replies: 2 I have good credit (usually hangs around 780) and have a few credit cards already (Discover it, Amex Blue Sky, Chase Sapphire, Chase Freedom) but want to start applying for more cards with larger opening bonuses (airline cards), cards with annual fees, larger minimum spend for bonus, etc. Last year I applied for a Chase Sapphire Preferred and was denied despite my good credit, so I settled for standard Chase Sapphire with a smaller opening bonus. After some research I saw someone had said that a minimum income of $150,000 is required for the Chase Sapphire Preferred although it did not say this anywhere on the app. Is this true? I make around 28k/year, will I have problems applying for new more lucrative cards? Would I have a better chance of getting these cards now that I have more credit history? I only had two credit cards at time of applying for Sapphire. I am also younger (25), will my age affect any of this? Thanks
Credit Deals
Microsoft Natural Ergonomic Keyboard 4000 $19.99 w/FS @ Newegg
Added on : Friday June 20th 2014 07:00:02 AM
g: 1 Posted By: ctgolfer
Views: 94 Replies: 0 Model
Brand
Microsoft
Name
Natural 4000
Model
B2M-00012

Keyboard Connection Type
Keyboard Interface
USB

Keyboard SPEC
Design Style
Ergonomic
Palm Rest
Integrated
Normal Keys
107
Function Keys
17
Mechanical Keyboard
No
Keyboard Color
Black
Windows Vista
Certified for Windows Vista

Type
Type
Wired

Mouse Included
Mouse Included
No

Features
Features
Feel the comfort of the Gull Wing design, the best way to understand the comfort is to experience it yourself.
Snap in the optional palm lift to experience the seven-degree reversed slope.
As you type, rest your wrists on the supportive, integrated palm rest. The palm rest makes typing for long intervals more comfortable.
Open a spreadsheet and move the Zoom Slider up and down to zoom in and out.
Save the spreadsheet and then assign it to a My Favorites Key by pressing and holding one of the five keys.
Close out of the spreadsheet, and then press the My Favorites Key you assigned it to, to quickly access it again.
Open your Web browser and click around on a few pages. Use the Back and Forward keys to navigate pages without ever having to remove your hands from the keyboard.

Packaging
Package Contents
Natural 4000 Keyboard
User Manual
Driver Disk

www.newegg.com/Product/Product.aspx?Item=N82E16823109148
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Newegg Coupons
Hi I'm Skinny chips at Sam's $1.91 for 20oz bag
Added on : Thursday June 19th 2014 04:00:13 PM
g: 0 Posted By: sollyd
Views: 213 Replies: 0 Picked up a few bags in Northlake, IL store today. Tastes like FUNYUNS! Great deal!!
http://www.samsclub.com/sams/sw-o-skinny-sticks-20-oz/prod12360207.ip?sprodId=prod12360207&searchTerm=hi%20im%20skinny&_requestid=6744
In Store Promos Deals
g: 0 Posted By: Deals4mykids
Views: 174 Replies: 0 40% off Hatsan USA Air Guns: Air Rifles & Pistols from $59.99 ($3.99 flat-rate sitewide shipping)

For pest elimination, Target practice, plinking or small game hunting, air guns are fun as a barrel of monkeys.
Hatsan is one of the finest airgun manufacturers in the world.
Besides crazy Field Supply discounts, a few other reasons Hatsan USA is tops:

Power. Velocity rates can be misleading. Hatsan tests with lead pellets, not lighter aluminum alloy. Thus while velocities are published as equal, Hatsan delivers more knockdown power.
Craftsmanship. Each component is produced by Hatsan in their own facilities and only high-grade raw materials are used, including fine Turkish walnut & German steel.
Features. Most Hatsan specialty features come standard, e.g. Quattro Triggers, SAS-Shock Absorber System, XRS Recoil Reduction System, Barrel Release System, TruGlo fiber optics & Triopad butt system.
Custom designed. Many airgun manufacturers work from templates. By contrast, Hatsan USA guns are conceived and developed in-house from the ground up. Your Hatsan is an original, not a reproduction.

http://www.fieldsupply.com/hatsan-air-guns-up-to-40-off-all-new-...
Guns & Ammo Deals
NEW Sony PS3 500Gb The Last of Us Bundle $249 w/FS @ eBay by Buy
Added on : Thursday June 19th 2014 07:00:03 AM
g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 Product Description

Play one of the highest rated games of 2013 with The Last of Us PlayStation 3 Bundle featuring a PS3 500GB System.

Join Joel, a ruthless survivor with few moral lines left to cross, who lives in one of the last remaining Quarantine Zones. These walled-off, oppressive cities are run by whats left of the military. Despite the strict martial law, Joel operates in the black market of the city, smuggling contraband for the right price.

With over 40 perfect scores, The Last of Us is one of the great games made - Only On PlayStation.

The PlayStation 3 500GB System, with a built in Blu-Ray player, can hold up to 3,750 games, 297 movies, 198,437 songs or 80,000 photos.

The PlayStation 3 system includes a free* PlayStation Network account for online gaming, streaming movies and music, and access to the PlayStation Store.

*Internet Access Required

Bundle Contents

PlayStation3 System 250GB
The Last of Us
DUALSHOCK3 wireless controller
AC Power Cord
AV Cable
USB Cable

www.ebay.com/itm/NEW-Sony-PS3-500Gb-The-Last-of-Us-Bundle/301214...
PS3 Deals

eBay Coupons
banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
g: 1 Posted By: BloodyInsane
Views: 1156 Replies: 3 Linky

Toshiba PH3300U 3TB 3.5" SATA II drive, $99.99 at MicroCenter. Retail box, with screws, no cables or other accesories. 3 year mfg warranty.

Lowest price I've seen in a few months. Great drive. I've had one for about a year as a backup drive in a 24/7 server.

Normal Price: $129.99 @ Newegg

See DizzyT71's post below for Amazon reviews of bare drive.
Hard Drives Deals
20% off all Burt's Bees Products at Drugstore.com
Added on : Wednesday June 18th 2014 04:00:02 PM
g: 0 Posted By: savvy002
Views: 127 Replies: 0 I got this link in my e-mail today and I used it to buy a few Burt's Bees products for my wife. Hopefully it works for you guys today as well. The e-mail says it is valid until 6/25/14.

Here is the link: http://e.drugstore.com/a/hBToX9KAbeh5-B86sDgDhG8WZ.AcGxiTP1/shop... -- you must click through it to activate the 20% off.

Enjoy!


Health Deals

drugstore.com Coupons
g: 0 Posted By: remick
Views: 179 Replies: 0 http://corazonas.com/wp-content/uploads/2014/06/FFCoupon.pdf
Totally Free Deals
Free Kindle Book - The Courtesan Handbook
Added on : Wednesday June 18th 2014 05:00:10 AM
g: 0 Posted By: remick
Views: 57 Replies: 0 http://www.amazon.com/gp/product/B00DY68GO4

Do you dream of designer clothes, fine jewelry, five star dining, and vacations to luxury resorts? For centuries, certain women have made their living simply by living a fantasy lifestyle. Historically, such a woman was called a "courtesan." Today, women who live this luxury lifestyle, and get paid to do so, are known as "high-end escorts." It is a world that can provide a woman with financial
security in addition to glitz and glamour. It has also been a world that few have been able to enter. Until now.

In The Courtesan Handbook, Arden Moon mentors her readers using her years of experience and a passion for the art of escorting. The author has had enormous success in the industry both before and after the business transitioned into a mainly digital industry. Escorting can lead to an incredible
lifestyle for any woman. However, entering the upper echelon and mastering the craft is virtually impossible without the sort of valuable knowledge offered within this book. If you have ever thought about being an escort or are a novice wishing to
expand your knowledge and increase the caliber of your clientele, then The Courtesan Handbook is your perfect step-by-step guide.

You will learn:

A brief history of the courtesan
The different types of escort businesses you can pursue
How to properly advertise yourself and create a powerful web presence
How to navigate the various online marketing options
How to attract and maintain the highest level of clientele
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g: 0 Posted By: ctgolfer
Views: 72 Replies: 0 Panasonic KX-TG7733S DECT 6.0 Plus 3-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

Bluetooth Convergence Solution
Like using your cell phone at home but don't like carrying it around? Now you can make and receive cell phone calls though your multi-handset home phone with the Bluetooth-powered Panasonic Link-to-Cell. Link-to-Cell harnesses the power of Bluetooth to combine the freedom of your cell phone and the convenience of a home phone. By linking your cell phone to the Bluetooth-powered Panasonic Link-to-Cell, you can make or receive calls on all compatible Panasonic home phone handsets. Don't want to be without your cell phone's phonebook? No problem. With Link-to-Cell's Phonebook Transfer feature, you can transfer up to 600 names and numbers from your cell phone to the built-in handset directory via Bluetooth. Link-to-Cell also features Bluetooth headset connectivity so you can keep the conversation going and your hands free. Perfect for those times when you're talking but need to walk around your office or home, open drawers, flip through files or write.

Dect 6.0 Plus
Dect Plus technology takes the superb sound quality and outstanding range of DECT 6.0 phones to a whole new level. By increasing the frequency of error correction by up to 80x, the transmission quality is improved and the phone's range is extended. Engineered to work in 1.9GHz frequency, our DECT 6.0 phones won't conflict with common wireless devices such as 2.4GHz routers, wireless keyboards and mice, microwave ovens and other household items. And because it's digital, you'll enjoy long range and clear sound while deterring eavesdropping.

Talking Caller ID
Now you can hear who's calling from across the room without having to get up. Using text-to-speech technology, Panasonic phones featuring Talking Caller ID announce caller ID information in between rings. What could be more convenient?

1.8 White Backlit Handset Display
See whos calling at a glance on our wide, 1.8-inch LCD and set screen. Featuring black text against a white-backlit display, its crystal clear and easy to readeven from a short distance away.

LED Light-Up Indicator
Now, you can know when a calls coming in or if you have a messageeven if youre vacuuming or listening to music. A large, bright LED indicator on top of the handset lights up when you get a call or a message, so youll always be connected.

Easy-to-Use Big Buttons
We streamlined our keypad to include fewer buttons while also making them larger. No more fumbling to find the right key, and no more dialing the wrong number.

Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day Panasonic



Panasonic KX-TG385SK DECT 6.0 Plus 5-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

USB Charge
No convenient electrical outlet for charging your cell phone or smart phone? No problem. The base unit features a convenient USB charging port. And because its Link2Cell, you can answer your cell phone calls on your Panasonic home phone handsets without draining your cell phone battery.

Text Message (SMS) Alert
Never miss a text message again. The Text Message Alert feature notifies you of received text message on your cell phone through an alert on your cordless handset when your cell phone is synced to the base unit.

Enhanced Noise Reduction
Enhanced Noise Reduction not only suppresses background noise but also enhances your voice at the same time. Which means the next time your teenager calls you from a concert, youll actually be able to hear him.

DECT 6.0 Plus Technology
If youre looking for superb sound quality and long range, look no further than the DECT 6.0 Plus technology in Panasonic cordless phones. Thanks to error correction up to 80x, you get clear transmission even with extended range. Engineered to work in 1.9GHz frequency, our DECT 6.0 Plus phones won't interfere with wireless devices such as routers, wireless keyboards and microwave ovens. Whether you use them in the basement or the backyard, our phones truly go the distance.

Answering Machine with Message Forwarding
Thanks to advanced answering machine functions, you can get messages wherever, whenever. At home, the base unit will beep to alert you to a message. And on the road, the phone will send a message to your registered cell or work phone.

Talking Caller ID
Hear whos calling from across the room. The Talking Caller ID feature uses text-to-speech technology, announcing the callers information in between rings.

Intelligent Eco Mode
With the Intelligent Eco Mode, when you use the handset closest to the base unit, youll automatically lower power consumption. This not only extends available talk time but also prolongs battery life. Which means less frequent charging and in the end, fewer batteries in landfills.


Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day Panasonic

http://electronics.woot.com/offers/panasonic-link2cell-3hs-or-5h...
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g: 0 Posted By: Xenocrates
Views: 69 Replies: 0 648-Ct Huggies Simply Clean Fragrance Free Baby Wipes Refill- $9.37 w/ S&S AC FS @ Amazon

Note:For those new to these Amazon "coupons" the "clip coupon"button islocated on the product page a few lines under the price.

$11.97 - $2.00 clip coupon - %5 Subscribe & Save = $9.37 w/ free shipping (Free shipping comes from the subscribe and save option.)

Forhands, face and bottom
Fragrance-free (unscented)
Resealable closure to keep your baby wipe supply fresh and moist
Packaging may vary from image shown

4 / 5 stars with 710 customer reviews.
Baby Deals

Amazon Coupons
g: 0 Posted By: frankfrankscherer
Views: 172 Replies: 1 Enter coupon SF4CG4W4 (for two colors) at checkout for $10 off from $32.99 to $22.99. Time limited deal!
Product Link: http://www.amazon.com/dp/B00F3T0DLE

I use this speaker when working around the house. Sync it up bluetooth to my phone and let it do its thing. I was wary at first about the sound that could come out of a little box but I have to say i'm very pleased with its performance. Takes just a few hours to charge up and the battery lasts a considerable amount of time. Obviously if you're looking for ultra-high quality sound then you need to buy a more expensive speaker, but for the price you can't go wrong with this one.Smilie

Specifications:
Bluetooth Version: 3.0
Working Frequency: 2.4 GHz
Output Power: 3 W
Signal to Noise Ratio: 82 dB
Battery Voltage: 3.7 V
Charging Voltage: 5 V
Battery Charge Time: ~2 h
Bluetooth Working Distance: 30 ft
Playtime: ~4-6 h, depending on the volume
Headphones & Speakers Deals

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Help with buying Honda CRV EX 2WD
Added on : Tuesday June 17th 2014 11:00:07 AM
g: 0 Posted By: mpennyranger
Views: 6 Replies: 0 Hi!
I am in the market for a new car and have pretty much settled on the Honda CRV EX 2WD, although I will be going in this weekend to test drive and nail down my preferred features, color, etc. I was planning/hoping on negotiating the car price down as low as possible, and have read lots of websites for advice (including this super helpful thread:http://www.fullofdeals.com/forums/finance/1001920/?start=0)

I was hoping that anyone with more experience could help me nail down the specifics for my purchase, particularly timing. I would like to get it sooner rather than later, but I am not in a super rush--so waiting an extra month or two to save $100 wouldn't be worth it to me, but it would be worth it to save $500+. I will be paying in cash, so financing deals aren't useful to me--although I would consider a 0% financing deal, although that is not available right now from Honda (I also have very good credit). I plan to solicit bids via email, since I feel better/more confident negotiating on email than over the phone or in person, although if need be I can make a few calls for the final round. I am in Los Angeles, and am willing to drive probably up to 50-75 miles for a great deal, but there are also tons of dealerships in the area.

The bottom line to me is the price, and I am sure everything else (day of pick up, color, miles) is negotiable within reason. I am willing to go for 2014, and probably even 2013 (if it is around somewhere but still new).

So, help me please! My main questions are:
1) When should I aim for closing this deal? Fourth of July weekend? Labor Day weekend? Before the 2015s are released? After?
2) Where can I find the accurate Invoice price? (or does anyone know what this is for the Honda CRV EX 2WD?)
3) Where can I find information on the amount of dealer holdbacks? (or does anyone know what this is for the Honda CRV EX 2WD?)
4) Should I get the dealer to order it for me from the factory? (I have heard this is a good method b/c its like a "free car" for the dealer, since they don't have to use any of their floorspace to sell, so any sale even with minimal profit, is good)
New User Question Deals
g: 4 Posted By: Mr0ffic3r
Views: 275 Replies: 5 Expecting lots of red, and its OK. My name is Mr0ffic3r and I was a deadbeat, I admit it. College and the whole being invisible in your 20s got the best of me. For the record, I am no longer a dead-beat. You guys (FWF) have put me on the right side of the road. As you will read below, I tried to make this right. But sometimes 'right' is not the correct thing to do for my family.

2000-2004 I took out 70kish in college loans. $55k of it Private Alternative Loans. By Private I mean from a major Bank and the note was not guaranteed by a non-profit group. Essentially, just a regular loan, but an educational loan on credit reports. Also, my mother was a co-signer.... don't ever co-sign, anything!

I defaulted in 2005 only on the Private Loans. My first job $15/hr - Between rent, food, drinking, car, there was nothing left for School Loans. My Federal Loans (Perkins/Stafford/etc) I paid off quickly since I knew Federal Loans are no joke. For the Privates, they (The Original Creditor) called a few times, I never picked up to talk. They sent a few demand letters, I never took any action and apparently neither did they.. Calls/Letters stopped in mid-2006.

My credit was trashed (my moms too) - low 500s. She made as much as I did at the time, single mom supporting my younger brother, so no way she was able to pay the loans.

Fast-forward to 2009. Calls/letters start coming in again. This time not from the Original Creditor (OC) but from a Collection Agency (CA) This time a little older and wiser (Thanks FWF) -I take action. First thing I did, sent a Certified/Return Receipt Letter telling them to stop calling and validate the debt. They listened, not one more call, and not another letter. They never validated. Why couldnt they send a copy of the promissory I signed that I had in my hand?

Fast Forward to 2012. Im making more money, I actually put some away if they were to come after me. Credit Reports say Loan is over $70k now, charged off, and still owned by the Original Creditor. To make things right, I call the OC and speak with their collections department. Right away are willing to settle the debt for $35k-ish. Settle?A Student Loan? Why YES please! I ask for the 'settlement agreement' in writing so I know they won't come after the rest (or sell it), and that the lates/charge-offs/etc are removed my credit report if possible. Mind you, this is from a top 5 Bank.

All they had to do was send me that letter, instead, I was informed that We are not secretaries and dont send letters. I was flabbergasted. The agent said my credit report would be marked as 'PAID' for this loan. I mention to him that in a few months, this loan will fall off my credit report, and if they are unwilling to remove the negative the marks, just leave the report as is. DONT TOUCH IT as I dont want it re-aged. NOPE, they cant do that either. They have to report it as 'paid.' I explained to the agent, 'why would I pay if this will haunt me for another 7.5 years.' If I dont pay, it will fall off CR in a few months. There was silence, he put me on hold to talk to his management, came back and said, You are right, nothing we can do. I told them I will consider their offer and we ended the call.

Havent heard a peep since (been almost 2 years).

All the loans came off my (and my moms) credit report. Credit Scores went up 200+ points to the high 700s . I am in a state with a 5 year Promissory Note - Statute of Limitation (SOL). My main concern was that the promissory note states that Ohio laws will govern the loan, and Ohio had a 15 year SOL on a promissory note. However, that state recently passed (and implemented) legislation to decrease that to 8 years, and it applies retroactively.

I consulted with 2 NACA attorneys, and both said my states SOL would apply anyways if they were to pursue. My state is where the loan was disbursed, where I have always lived, and where the promissory note was signed. But under both states now, I am out of SOL. All I read online is doom/gloom regarding Student Loan Default, and on how it will haunt you forever, garnish your wages/SS, tax refunds, etc. This is still on the back of my mind, but I'm starting to think it's not very likely they can legally collect on this loan now. What does the FWF collective think of this?


Now, why did the OC not pursue this hefty defaulted loan, especially since there were 2 people to sue/collect from? Remember, this was an 'alternative plus' loan not backed by any government entity. It does not show up on any government student loan database. I highly doubt this was a $70k 'oversight'. I pretty much walked to up to their door, with a check for $35k. All I wanted was a receipt, they couldn't give me one. What gives?


To the Obligatory 'Pay Your Bills Deadbeat' posts I see in my future... is 'I Tried/Wanted To' an acceptable response?
Personal Finance Deals
Toshiba 3TB HDD $99.99 @ MicroCenter $5.99 shipping or free pickup
Added on : Tuesday June 17th 2014 10:00:05 AM
g: 0 Posted By: BloodyInsane
Views: 209 Replies: 0 Linky

Toshiba PH3300U 3TB Drive, $99.99 at MicroCenter.

Lowest Price I've seen in a few months. Great drive. I've had one for about a year as a backup drive in a 24/7 server.

Normal Prices:
$129.99 @ Newegg
$110.99 @ Amazon
Hard Drives Deals
g: 0 Posted By: badsister
Views: 314 Replies: 0 Freedompop PHOTON PLATINUM (newest model) $19.99 (price includes activation).
NO OTHER FEES unless going over 500 MB.First month of 1 GB free.
New unit, not refurbished.

To get deal, MUST CALL Freedompop (877.848.2810) direct. Deal is not available on Freedompop site.
Photon is $89.99 on site, so this is a huge savings.

NOTE:
So you dont get stuck with $9.99 month upsell of AutoTopOff & SpeedPlus, you must deactivate Freedompop Premier service within 30 days.
To do so, go to accounts > services see very very bottom of page in tiny print to deactivate.
Also, must deactivate Auto Top off. Go to accounts > billing > uncheck auto top off.Ive read online about deposits.

They no longer take depositsone must only purchase the device so if you stay under 500 MB/month, only cost is $19.99.

per confirmation email:
Your Package Details
Due Today: $19.99
First Month Service Cost: $0.00
Data Plan: Free 500MB ($0.00)
Device: Freedom Spot - Photon Platinum ($0.00)
Device Deposit: $0.00
Shipping Option: Free ($0.00)
Additional Services: Freedompop Premier Free Trial ($9.99 after first month) (I opted out)


500 MB of data: Its hard to give an exact figure as web pages differ substantially in size. Some sites are incredibly simple (mainly text with a few images), others are complex (with photos & videos embedded which increases data consumption).
500 MB allows for any 1 of the below (or a combo or a lesser usage) Accessing Web Pages 900 pages .6 MB per web page (600 KB)(35 MB per hour of web surfing) Rich e-mail (with attachments) 1,000 .5 MB (500 KB) Downloading/streaming music 100 songs 5 MB per song Downloading/streaming video 1 hour 500 MB per hour Skype voice call 15 hours 35 MB per hour Skype video call 2 hours 240 MB per hour Listening to online radio 8 hours 60 MB per hour Downloading/updating apps 40 apps 13 MB per app

Services Deals

FreedomPop Coupons
Free Advance Screening of HBO's new series - the leftovers
Added on : Monday June 16th 2014 06:00:11 AM
g: 0 Posted By: remick
Views: 149 Replies: 0 https://usscpromotions.com/ew/theleftovers_screening/

Atlanta
Chicago
Dallas
Houston
Minneapolis
San Francisco
Seattle
Washington DC
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Using Enterprise discount codes FYI
Added on : Monday June 16th 2014 02:00:11 AM
g: 0 Posted By: JiggleTheHandle
Views: 40 Replies: 0 General FYI... I never saw this before, and I have been using Enterprise for years...

Started the booking process with no corporate account ID and no coupon, and it gave me $290 for a weekly rental.

Put in some corporatediscount codes, and the price increased by varying amounts to as much as $329 for the same car and time. Some codes decreased the $290 by a few dollars.

Anyway, this is the first time I have ever seen using a code INCREASE the cost from a base no-discount-code price.

I would suggest starting your booking in one browser with no codes,see what the base prices is and keep it active (Enterprise.com has a timeout limit), while using a different browser totest out codes.
General Discussion Deals
g: 0 Posted By: remick
Views: 77 Replies: 0 http://www.amazon.com/dp/B007RP547K/

4.7 out of 5 stars (56 customer reviews)

Using the correct aperture is vital if you want to put "SHAZAAM!" into your photography!

Sure, it controls the amount of light getting into the camera and is a key to proper exposure, but it is soooo much more! In fact, if you are creative at all, aperture will be your closest friend.

That is, it will be your friend IF you know all the creative options that the right aperture settings bring to the table - and how to manipulate them to get your creative vision out of your mind and into the camera.

For some reason, understanding aperture is one of the most difficult of photo concepts for many amateurs to "get." With this easy to read and easy to understand guide, you are literally minutes away from understanding aperture as well as or better than most professionals.

In a matter of hours your mastery of apertures will not only show in your photos...but people WILL notice!

Here is a bit of what is in this On Target Photo Training volume...

Introduction - Here we do a quick review of Volume 3 - Mastering Shutter Speed. Understanding shutter speed and aperture settings is truly the only difference between your photos and the best professionals!

The Aperture - In this and the next few chapters we break down apertures into easy to digest and understand pieces. You will NEVER be confused again!

Movement Or Static - Here we start getting into the creative options that are available to us and how to manipulate the aperture settings to get them...

The Sweet Spot - Most lenses have a sweet spot when it comes to the aperture settings...learn how to get great photos without spending tens of thousands of dollars on expensive lenses.

And more...And more...And more...

Sorry, but once you learn the creative magic in your aperture - all your friends are going to be bugging you to teach THEM how to get photos like YOURS!
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g: 0 Posted By: bittul
Views: 114 Replies: 0 www.childrensplace.com

use code: FORTY3

Free Shipping is automatically applied. No additional code needed

Many great deals (especially in the clearance section).

~~~~~~~~~~~~~~~~
On a side note, I find it quite odd that they've been running these "Crazy" sales back-to-back during the past few weeks... Are they trying to increase their "revenue" at all costs?
Kids Clothes Deals

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

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

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

Tell me, FWF, when does buying a condo make sense?
20% off all "hair care" @ Drugstore.com
Added on : Sunday June 15th 2014 08:00:02 AM
g: 0 Posted By: bittul
Views: 36 Replies: 0 Click link below to activate.

http://www.drugstore.com/templates/featured/default.asp?catid=33...

Shipping is free with Shoprunner (most items) of after $35.

I'll try and post a few nice deals as I find them, just note that the promo is once per account.

Here are a few for starters (all with Free Shoprunner shipping):

Studio 35 Beauty, set of 12 Hair Elastics and 12 Headwraps: $0.71
http://www.drugstore.com/studio-35-beauty-hair-elastics-and-head...

Vidal Sassoon Pro Series Waves Hair Primer Spray (5.07 fl oz): $1.11
http://www.drugstore.com/vidal-sassoon-pro-series-waves-hair-pri...

TRESemme Flawless Curls, Bouncy Curls Defining Gel (8 oz) $1.88
http://www.drugstore.com/tresemme-flawless-curls-bouncy-curls-de...

Aussie Daily Clean Shampoo (13.5 fl oz): 4 for $6.48
http://www.drugstore.com/aussie-daily-clean-shampoo/qxp457706?ca...
Fit Flop Walkstar lll Sandal $36 with FS @ Amazon
Added on : Sunday June 15th 2014 04:00:03 AM
g: 0 Posted By: Deals4mykids
Views: 108 Replies: 0 Amazon has a great sandal sale. Fit Flop Walkstar 3 sandals are on sale for $47 (reg. $75.)
Use code JUNSAN14 for 25% off, bringing the price down to $36.
Dark blue and pink are a few dollars more.

http://www.amazon.com/FitFlop-Womens-Walkstar-Nubuck-Everglades/...




Shoes Deals

Amazon Coupons
Chuck E. Cheese: Free Tokens For Reading! with pizza purchase
Added on : Sunday June 15th 2014 03:00:05 AM
g: 0 Posted By: puggle
Views: 173 Replies: 1 Chuck E. Cheese's was founded by Nolan Bushnell (founder of Atari & Pong), in May 1977. The first Chuck E. Cheese's was located on Winchester Boulevard, in San Jose, California. The concept for Chuck E. Cheese's evolved from Mr. Bushnell's belief that there were not enough places where young people could go to play video games that had a family atmosphere.In 1984 the parent company to Chuck E. Cheese's, Pizza Time Theatre Inc. was purchased by their direct competitor at the time Showbiz Pizza. A few years later it was decided to change the Target audience to focus specifically on families with young kids. Both the Chuck E. Cheese's and ShowBiz names continued to be used until 1992, when Chuck E. Cheese's Pizza became the name for all of the restaurants.Today, their mission is simple, bring families together in a wholesome environment for fun, games and kids. Chuck E. Cheese's consists of over 500 entertainment centers in 48 states and 6 countries.Print and redeem the certificate and get 10 free tokens for summer reading. No more than 1 of any free token offer can be used per child, per day. Only at participating locations. Pizza purchase is required.Offer expires 12/31/14.
http://www.swaggrabber.com/freebies-all/chuck-e-cheese-free-toke...
Food & Grocery Deals
Chuck E. Cheese: Free Tokens For Reading!
Added on : Saturday June 14th 2014 07:00:12 PM
g: 0 Posted By: puggle
Views: 43 Replies: 0 Chuck E. Cheese's was founded by Nolan Bushnell (founder of Atari & Pong), in May 1977. The first Chuck E. Cheese's was located on Winchester Boulevard, in San Jose, California. The concept for Chuck E. Cheese's evolved from Mr. Bushnell's belief that there were not enough places where young people could go to play video games that had a family atmosphere.In 1984 the parent company to Chuck E. Cheese's, Pizza Time Theatre Inc. was purchased by their direct competitor at the time Showbiz Pizza. A few years later it was decided to change the Target audience to focus specifically on families with young kids. Both the Chuck E. Cheese's and ShowBiz names continued to be used until 1992, when Chuck E. Cheese's Pizza became the name for all of the restaurants.Today, their mission is simple, bring families together in a wholesome environment for fun, games and kids. Chuck E. Cheese's consists of over 500 entertainment centers in 48 states and 6 countries.Print and redeem the certificate and get 10 free tokens for summer reading. No more than 1 of any free token offer can be used per child, per day. Only at participating locations. Pizza purchase is required.Offer expires 12/31/14.
http://www.swaggrabber.com/freebies-all/chuck-e-cheese-free-toke...
Food & Grocery Deals
g: 9 Posted By: ltcm
Views: 4285 Replies: 83 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

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

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

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

UPDATE with inspection photos below, thoughts welcome.

Real Estate Deals
Alameda county fair free ticket
Added on : Friday June 13th 2014 09:00:03 PM
g: 0 Posted By: hustla
Views: 82 Replies: 0 Alameda county fair free ticketFree tickets to alameda county fair.

I did a few of them for the whole family.


"Our Friday Freebie is a HUGE one! We're teaming up with our friends at LocalGrv to give One FREE Fair ticket to Every Facebook Fan! Click Here to get your Free Ticket"
<<<https://www.facebook.com/alamedacountyfair?v=app_219252744795960&rest=1>>>
g: 0 Posted By: Muniee
Views: 76 Replies: 0
Citibank - My jobs direct deposit goes here. (My Primary Account)
Charles Schwab w/ Brokerage Account - 15% of my paycheck goes here (I think im creating an emergency fund here)
My local credit union - currently no money in this account (opened for lack of fees,and wanted a credit card from them but didn't get approved soit's just sitting.)

Few ?'s:
1. I want to start putting 15% of my paycheckinto a ROTH IRA, but i'm not sure whether I should have an emergency fund before contributing into a ROTH IRA...does it makes sense to open a ROTH IRA with Charles Schwab or are there better ones?
2. Should I just direct deposit all my money in Charles Schwab Checking Account, create an emergency fund with a charles shcwab savings account if they offer that,have a ROTH IRA with Charles Schwab,and close out my Citibank and CU account?
3. The citibank points are enticing, but is it worth it?
Question Deals
Is there a way to game auto loan ?
Added on : Friday June 13th 2014 09:00:15 AM
g: -1 Posted By: vistaluck
Views: 306 Replies: 6 Ok so I want to buy a car from private owner but I don't wanna pay the sales tax on it. Lets say the car is listed $15,000. I just wanna pay $15,000 alone no sale tax. However, base on what I heard the lean holder will be the bank and it will have to go through DMV to put the lean holder name on it. I have sold cars before and I know that if I write it down as a gift and the buyer will not pay tax on it. That was all cash deal though and I write the new owner name on pink slip. In my case, I can't write my own name on it. So is there a way work around it. Or just game the system by going through a few more steps. Can I take a personal loan first to pay the seller and then re-faience the car with the bank. What smart ways you guys can think of ?
Credit Deals
Bon-Ton Coupon: 20% Off Yellow Dot Clearance
Added on : Friday June 13th 2014 04:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 125 Replies: 0 Bon-Ton is offering an Extra 20% Off Yellow Dot Clearancewith coupon codeDOTSALE14JU. Expires 6/15/2014. Select ties and men's dress shirts are as low as $7.99.

A few notables:

Izod Men's 'Dogwood' Plaid Silk Tie-$7.99
Calvin Klein Men's Flannel Heathered Striped Silk Tie-$7.99
John Bartlett Statements Men's Grey Check Dress Shirt-$7.99
MICHAEL Michael KorsMen's Blue Stone Dress Shirt-$7.99
Lumix zs20 camera - used- few at $105-108 on Amazon
Added on : Friday June 13th 2014 03:00:03 AM
g: 0 Posted By: FW10001
Views: 194 Replies: 0 Used from Amazon Warehouse, with 4 showing as of posting this:
Good luck!

I have its sibling the zs19 (lacks GPS) and am very happy with it.
Cameras Deals

Amazon Coupons
Refinancing from 15 year loan to 30 year loan?
Added on : Friday June 13th 2014 12:00:05 AM
g: 0 Posted By: RagingBull
Views: 33 Replies: 0 Question regarding mortgage. I am not sure if it is still good idea for me to refinance. Right now I am paying 4.5% for 15 year loan
If i am qualified and able to get a 30 year loan for 3.5% with no points, and I continue to pay the same amount that I am paying now
should I refinance or not? My balance now is about $310,000, I borrowed $400,000 a few years ago
Personal Finance Deals
g: 0 Posted By: j129
Views: 105 Replies: 0 A little backstory.
I am a foreign Medical graduate with a green card (will get my citizenship later this year).
I've decided that I don't want to pursue medicine as a career. I want to try something Managerial and based on research, have decided to do a Masters in HealthCare Administration.
All that I've read, seems to say that this is a growing career path with a lot of potential.

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

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

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

My questions.

1. Is financial aid taxable?

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

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

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

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

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

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

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

Thank you.
Personal Finance Deals
g: 0 Posted By: serenity22
Views: 92 Replies: 0 Perhaps the bestAccutire out there, at neara historic low price.

At $7.99, I grabbed it and did not wait for the price to go down by another few pennies.


Measures tire tread depth from 0-19/32 inches
Measures air pressure up to 99 PSI
Read tread depth from 1/32 inches
Color bar lights to indicate when the tire needs replacing
Easy viewing extra large digital display


FSSS and Prime eligible.
Tools & Automotive Deals

Amazon Coupons
Refinance for mom
Added on : Wednesday June 11th 2014 03:00:13 PM
g: 0 Posted By: corpse101
Views: 143 Replies: 1 Been around for a while here on FW, but mostly stuck on the deal side of things and never ventured to the finance side of things, but I figured this may be a good place to get a few ideas.

My situation is this, my mom is paying her current mortgage and thinking about doing a refi, but she is as clueless as I am about where to get best rates (read: avoid getting screwed). She currently owes about 106k on the house with a current fixed rate of 5.5%. She works for the county and has been hit with quite the bit of furloughs so she is looking for a lower payment, though I am trying to save her money overall by combining a lower interest rate with the same or slightly lower payment.

Are there good places to seek the refi over others? I was wondering is there a good place(s) and I have been reading and googling as I am very green when it comes to mortgages/refis so any info will be helpful to get me started.

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

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

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

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

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

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

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

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

Any advice on how to approach this is appreciated. It may be a few weeks before I know how serious the potential buyers are - but I'd like to be prepared when that time comes.
Personal Finance Deals
g: 0 Posted By: jskins
Views: 2 Replies: 0 Kids' & Babies' MLB Gear From $5.00 with Free Shipping for Rewards Members (Free Membership) at Fanatics.

Choose from creepers, t-shirts, jerseys, jackets, socks, and more for kids, toddlers, and infants.

A few notables:

Majestic Houston Astros Infant My First Tee T-Shirt in Brick Red (Sizes 12-24-months): Originally - $11.95 Now - $4.99.
Majestic New York Yankees Preschool Girls Pink 2-Piece Team Wind-suit (pictured): Originally - $29.95 Now - $19.99.
Majestic Philadelphia Phillies Youth Replica Jersey in White Pinstripe (Sizes 8-18/20): Originally - $49.95 Now - $29.99.


Note: 3 day shipping is free for Fanatics Rewards Members. Receive 5% Fan Cash merchandise credit on orders over $50, and 10% Fan Cash on orders over $100.
Returns are also free for new members.
HOT at Safeway Save $3+ Pay just $5.00 Yuban/Maxwell House
Added on : Wednesday June 11th 2014 08:00:36 AM
g: -7 Posted By: yesidonoitall
Views: 920 Replies: 15 EDIT:
This alert is only for those who know coffee prices.....
Apparently most do not....
==================================================

"Friday only" in Southern Oregon at Safeway, maybe elsewhere in the US...
For their $5 Friday deals.....Yuban or Maxwell House 29 to 31 ounce size
This is too hot for the Grocery forum, but it will probably get moved there....

Easy PM at WM and Target





In Store Promos Deals
Quicken Will Maker 2014 $25.79 NOLO.com Ends 6/18/14
Added on : Wednesday June 11th 2014 07:00:26 AM
g: 0 Posted By: yamafx4dude
Views: 266 Replies: 1 http://www.nolo.com/ hasQuicken WillMaker Plus 2014.$25.79 after using discount code FATHER. (Regular price is $42.99) This is the download option. The CD version will cost a few dollars more. DOES NOT WORK WITH MAC.

Promo Code works with other software as well.

Promo Deal:Make this Father's Day special with gifts that he will love! Father's Day is the perfect time to show your grandpa, uncle, and all fathers out there how much you truly appreciate everything he does, and Nolo is proud to help you along the way.Use Promo Code FATHER** This discount price is good through Wednesday, 6/18/2014. This online offer cannot be combined with other special offers or coupons from Nolo. It also cannot be used by 1) trade, library or academic sales accounts, 2) other resellers, 3) or in the Nolo Outlet Store. Not Valid for Nolo's Online LLC, PPA, Trademark products. Our products are covered by our "no hassle" return policy.
Quicken WillMaker Plus 2014Product Details:
-----------------------------------------------
Quicken WillMaker Plus 2014
Nolo's #1 bestseller!

August 2013, 2014 Edition
File type: Windows Only - CD or Download

If you have an old version of WillMaker, upgrade it with the new 2014 version.

Make a customized estate plan with these essential legal documents:

Will
Health Care Directive
Durable Power of Attorney
Executor Documents
Final Arrangements
and more for you and each of your family members!
Plus, after installing your software, get one free activation of a new Nolo's Online Living Trust, a $59.99 value!

This program is not Mac compatible. Please use Nolo's Online Will if you have a Mac.
Save more on Quicken WillMaker Plus with Nolo's Estate Planning Bundle

Software Deals
Pid (PC - Steam) FREE! - Requires Facebook.
Added on : Wednesday June 11th 2014 06:00:06 AM
g: 0 Posted By: Deals4mykids
Views: 239 Replies: 0 PC Gamer is giving away 100,000 copies of Pid for steam for free (reg. $9.99). Just started a few minutes ago so there should be plenty still available.
Hurry!!
http://www.pcgamer.com/2014/06/11/we-have-100000-copies-of-pid-t...
Video Games Deals
Free WordPress Plugin - Create WordPress Dashboard Video
Added on : Wednesday June 11th 2014 05:00:13 AM
g: 0 Posted By: jhall1822
Views: 74 Replies: 0 If anyone has a WordPress site here's a cool plugin that I have been using for a few days. It works rather well and you can't argue with free! The plugin allows you to create dashboard videos for any members of your website. Here's some of the features from the site:Features:

YouTube videos supported (public access)
Vimeo videos supported (public access)
Videos hosted on Amazon S3 supported
Up to 90 videos per plugin you create (10 modules think of these as categories and 9 videos per module)
Advertising leader board banner option you can use to advertise other products or promote your website inside the customers WP dashboard
Customizable backgrounds (color options)
Customizable thumbnails for each video as an overlay
Lightbox display of the videos
Customizable dimensions of the lightbox display

http://www.marketingbasics.org/private-label-rights/free-plr-wordpress-video-tutorial-plugin/


Totally Free Deals
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/gp/product/B00AKBIJ16
4.7 out of 5 stars (21 customer reviews)

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

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

Key Highlights of Exploring HDR:

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



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

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


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

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

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



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

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

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

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

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

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

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

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

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

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

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

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

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



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

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

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

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


Books & Magazines Deals
Free Live Stream of the Fifa 2014 World Cup on ESPN
Added on : Tuesday June 10th 2014 08:00:04 PM
g: 0 Posted By: tedhawkins
Views: 146 Replies: 0 Free Live Stream of the Fifa 2014 World Cup on ESPN
http://espn.go.com/watchespn

ESPN is streaming all 64 games from the first kick-off to the finale through its WatchESPN apps, which are available for all phones, tablets and PCs.Users can also access the stream through the http://espn.go.com/watchespn/index?as well as through dedicated apps for http://www.amazon.com/ESPN-Inc-WatchESPN/dp/B00E81O27Y/,https://owner.roku.com/add/watchespn,http://espn.go.com/watchespn/apps,and both the Android and iOS app can https://gigaom.com/2014/06/03/world-cup-chromecast-espn-watchespn/.ESPN will offer these streams in English, Portuguese and Korean, and online viewers will apparently be able to switch between multiple camera angles.However, ESPN only makes these streams available to viewers that pay for TV service and have ESPN as part of their channel lineup. Streams are also limited to customers of pay TV providers that have so-called TV Everywhere deals with ESPN, which includes Comcast, AT&T, Dish and Cox, but not DirecTV and a few others.

Participating Providers:

AT&T U-Verse, BEK TV, BendBroadband, tBright House Networks, Charter_Direct, Comcast XFINITY, Cox, tDISH, Google Fiber, Midcontinent Communications, Optimum, Time Warner Cable,Verizon, Yadtel
Services Deals
HOT HOT HOT Save $3+ Pay just $5.00 Yuban/Maxwell House
Added on : Tuesday June 10th 2014 05:00:13 PM
g: -6 Posted By: yesidonoitall
Views: 535 Replies: 1 "Friday only" in Southern Oregon at Safeway, maybe elsewhere in the US...
For their $5 Friday deals.....Yuban or Maxwell House 29 to 31 ounce size
This is too hot for the Grocery forum, but it will probably get moved there....

Easy PM at WM and Target





In Store Promos Deals
Way TOO HOT for the Grocery forum, $5.00 Yuban/Maxwell House
Added on : Tuesday June 10th 2014 02:00:09 PM
g: -5 Posted By: yesidonoitall
Views: 367 Replies: 0 "Friday only" in Southern Oregon at Safeway, maybe elsewhere in the US...
For their $5 Friday deals.....Yuban or Maxwell House 29 to 31 ounce size
This is too hot for the Grocery forum, but it will probably get moved there....





In Store Promos Deals
Way TOO HOT for the Grocery forum, $5.00 Yuban/Maxwell House
Added on : Tuesday June 10th 2014 01:00:03 PM
g: -2 Posted By: yesidonoitall
Views: 199 Replies: 0 "Friday only" in Southern Oregon at Safeway, maybe elsewhere in the US...
For their $5 Friday deals.....Yuban or Maxwell House 29 to 31 ounce size
This is too hot for the Grocery forum, but it will probably get moved there....





Grocery Deals

Safeway Coupons
Need Small Claims Court advice
Added on : Tuesday June 10th 2014 08:00:33 AM
g: 0 Posted By: a1963
Views: 170 Replies: 6 Summary:
Found a Deck builder on Craigslist
Paid $800 advance as he needed to get supplies
No work done/ lot of excuses/ canceled the work/ no money back/ been few months now

I know I messed up in paying money in advance. I am regular finance forum user/very careful about such matters, (created new alt-id) and I am not sure how I had a lapse in judgement that day.

All I have is a handwritten agreement to do the work and the advance paid.It has a company name & Rural Texas county address.

Found recent reviews online with others having similar experiences with him.

Need advice on next steps. Worth pursuing in small claims court? Thanks for reading.

Personal Finance Deals
Ewave Stainless Steel Countertop Pizza Oven - $19.00 FSP @ Walmart
Added on : Monday June 09th 2014 10:00:07 PM
g: 0 Posted By: Xenocrates
Views: 53 Replies: 0 Ewave Stainless SteelCountertop Pizza Oven- $19.00 FSP @ Walmart

Ideal for cooking par-baked or frozen pizza; fresh dough is not recommended
Large heating chamber is perfect for baking pizzas up to 12"
Chrome wire baking rack and removable crumb tray
Easy-set 30-minute timer with auto shut-off for added convenience
Safety features include a cool-touch handle and skid-resistant feet
Stainless steel body with black accents
Power Rating: 1450W
Product Weight: 12.1 lbs
1-year limited warranty
Dimensions: 15.8"W x 18.9"D x 7.4"H
Ewave Oven Model# EWPZO12ST
g: 0 Posted By: remick
Views: 117 Replies: 0 http://www.audible.com/pd/Fiction/Go-the-F-k-to-Sleep-Audiobook/...

Academy Award nominee Samuel L. Jackson (Pulp Fiction) rocks this mock bedtime story, capturing a hilarious range of emotions as the voice of a father struggling to get his child to sleep.
Go the F--k to Sleep is a bedtime book for parents who live in the real world, where a few snoozing kitties and cutesy rhymes dont always send a toddler sailing blissfully off to dreamland. California Book Award-winning author Adam Mansbachs profane, affectionate, and radically honest verses perfectly capture the familiar - and unspoken - tribulations of putting your little angel down for the night. In the process, he opens up a conversation about parenting, granting us permission to admit our frustrations and laugh at their absurdity.
Beautiful, subversive, and pants-wettingly funny, Go the F**k to Sleep is a book for parents new, old, and expectant. Due to its explicit language, you probably should not play it for your children.
Feel free to share the link to this page with tired parents and other people who could use a good swear and a laugh.
Totally Free Deals
Nest Learning Thermostat (2nd Gen) $229 FSSS at Amazon.com
Added on : Monday June 09th 2014 09:00:04 AM
g: 0 Posted By: Fliptech
Views: 205 Replies: 0 Nest Learning Thermostat - 2nd Generation T200577

Made in USA or Imported
Auto-Schedule - Remembers the temperatures you like and programs itself
Auto-Away - Saves energy by automatically turning itself down when you're away
Remote control - Connect the Nest thermostat to Wi-Fi to control it from your smartphone, laptop or tablet
Easy install - Most people install the Nest thermostat in 30 minutes or less

Not a large drop, but price drops on this thing are few and far between. It's as if the Nest people came straight from Apple (sarcasm intended)

If you bought one recently from Amazon, you can chat w/ them to get some Cash Back.
Home & Garden Deals
How to deal with this insurance claim?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: kubakj
Views: 0 Replies: 0 I am in the insurance claim loop now and looking for some idea how to proceed. I have a condo insured thru Allstate. Condo by-laws require to insure anything inside the apartment. Building has a building wise insurance as well to cover common elements. In January there was huge leak in the building from few floors above during the night into my living room as I was sleeping in the bedroom, so water was dripping like crazy whole night. As a result many my personal items was destroyed/damaged as well as portion of wood floor was damaged and ceiling as well. This leak initiated from one of the condo member and they quick announced that no one made a negligence and we should just ask our insurance for payment. Of course I was pissed as I have $1k deductible and Allstate DENIED reimbursement for my floors and ceiling (two major expenses) damages. I have to change sheet rock for my entire ceiling and few sq^2 of wood floor needs to be replaced. Allstate stated that bylaws says any casualty in the building like that should be covered by building insurance. I asked building management to initiate claim with building insurance, but their agent calls me and says that my responsibility, as others have been paid by their insurances for all damages and I should go back to allstate. I asked him to anything in writing, nothing. After few months now I asked ALL parties to either get paid or denied for the damages and provide in writing why. Building insurance agent is not responding to any phone calls, management and condo board just talked to him and he assured them that will take care of it with Allstate. Building insurance didn't even start any claim and their agent's secretary ALWAYS says he is not available and HE will call me back, but never does.

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

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

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

NYC condo location.
g: 1 Posted By: st4rdust
Views: 620 Replies: 0 B&H Photo has theX-Rite ColorChecker Passportfor$59.00with free shipping.

4.7/5 stars based on 398 customer reviews. Includes creative enhancement Target, classic Target, white Target, protective pocket-sized case and camera calibration software.

Also positively reviewed hereon Amazon, where this is currently $99.00.

In-Camera White Balancing
Visual Color Controls
Fully Supports the RAW Workflow
Maintain Consistent Color Between Cameras and Lenses
DNG Profiling for RAW Shooters
Multiple Targets in One
Robust Plastic Case
Note that the ColorChecker Passport is not compatible with Hasselblad cameras





"With three photographic targets, theColorChecker PassportfromX-Ritelets you ease your workflow in a variety of ways. A creative enhancement Target allows one-click warming and cooling, and easy evaluation of shadow details. The classic Target is the standard 24 patch for creating DNG profiles. The white balance Target allows for a consistent white point for a series of images, saving the need to correct each one later in your work flow.A protective case keeps your targets safe from damage, and has a built-in stand so you can situate the targets to adjust for any scene. The included software lets you easily build DNG profiles, and profile adjustments can be applied to hundreds of images, allowing hours of manual changes to be completed in a few minutes."
Cameras Deals

B&H Photo & Video Coupons
X-Rite ColorChecker Passport - $59.00 + FS @ BH Photo
Added on : Sunday June 08th 2014 08:00:02 PM
g: 1 Posted By: st4rdust
Views: 182 Replies: 0 B&H Photo has theX-Rite ColorChecker Passportfor$59.00with free shipping.

4.7/5 stars based on 398 customer reviews.

Also positively reviewed hereon Amazon, where this is currently $99.00.

In-Camera White Balancing
Visual Color Controls
Fully Supports the RAW Workflow
Maintain Consistent Color Between Cameras and Lenses
DNG Profiling for RAW Shooters
Multiple Targets in One
Robust Plastic Case
Note that the ColorChecker Passport is not compatible with Hasselblad cameras





"With three photographic targets, theColorChecker PassportfromX-Ritelets you ease your workflow in a variety of ways. A creative enhancement Target allows one-click warming and cooling, and easy evaluation of shadow details. The classic Target is the standard 24 patch for creating DNG profiles. The white balance Target allows for a consistent white point for a series of images, saving the need to correct each one later in your work flow.A protective case keeps your targets safe from damage, and has a built-in stand so you can situate the targets to adjust for any scene. The included software lets you easily build DNG profiles, and profile adjustments can be applied to hundreds of images, allowing hours of manual changes to be completed in a few minutes."
Cameras Deals

B&H Photo & Video Coupons
g: 0 Posted By: DaysFan
Views: 114 Replies: 0 http://weeklyspecials.vons.com/SafewayVons06042014VonsWeeklyAd/breakouts/b1044489_1.jpgyour next shopping trip*GET $10 OFFhttp://www.vons.comwhen you buy $50 or more in participating gift cards** Offer valid 6/4/14 - 6/17/14 *Purchase $50 in participating Gift Cards and receive (1) $10 Catalina coupon, valid on your next qualified purchase of $25 or more. Coupon will expire 7/01/14. While supplies last. No rain checks. Limit one (1) per transaction. Subject to availability. See Gift Cards for details, terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Product may not be available in all states. Online and in-store prices, discounts and offers may differ. **Participating Gift Cards: Bass Pro Shops, Buffalo Wild Wings, Lane Bryant, Red Robin, Domino's, Express, Fandango, Toys "R" Us, Jiffy Lube, TGI Friday's(SM), JCPenney, Sephora, Regal Entertainment Group, Sears, Lowe's, Club Penguin(TM).Price Valid 6/4/14 - 6/17/14
Printable Coupon Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/gp/product/B00KE8QUTS/

Learn a trick to find the day from any date mentally with few easy steps. Perform this simple trick on your friends and amaze them !
20% off all "skin care" @ Drugstore.com
Added on : Sunday June 08th 2014 03:00:08 AM
g: 0 Posted By: bittul
Views: 171 Replies: 0 Click link below to activate.

http://www.drugstore.com/templates/featured/default.asp?catid=33...

Shipping is free with Shoprunner (most items) of after $35.

I'll try and post a few nice deals as I find them, just note that the promo is once per account.

Here's one for starters:
FB Face & Body's Foaming Facial Cleanser, for Normal Skin 2.7 fl oz (80 ml), $0.39 +fs w/Shoprunner.
http://www.drugstore.com/fb-face-and-bodys-foaming-facial-cleans...
Health Deals

drugstore.com Coupons
Your Choice: Beltronics Pro Radar Detector $159.99$239.99 @ Woot
Added on : Saturday June 07th 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 shipping adds $5


If you are as serious about safety as you are about driving, then you need the Professional Series RX65, an advanced radar, laser and safety detector. The RX65 is a breeze to use, and boasts extreme sensitivity to all Radar and Laser bands with over 10 times the range of other detectors.

Superior Detection
The RX65 includes full X, K, SuperWide Ka, and Safety Warning System radar capability, front and rear laser detection, Beltronics' patented Mute and AutoMute, audible and visual band alerts, and all the performance you'd expect from Beltronics. Digital signal processing (DSP) gives you superior long-range ability, along with reduced false alarms. The AutoScan mode can virtually eliminate those false alarms, and provides both Highway and City settings.

The RX65 also features Shadow Technology making it immune to VG-2 radar detector detection, meaning law enforcement can't detect your radar detector, keeping you one step ahead.

Ease of Use
The rugged RX65 gives you control right at your fingertips using the included SmartPlug power cord. Patented Mute and AutoMute technology on the cord allows you to quickly silence alerts. Advanced programming lets you customize several features, and programmable bands let you set the device for your region, including International and North American settings.

Installation is a snap: use the quick release mount to attach it to your vehicle's windshield, and remove it in a snap. Don't want to leave it in your vehicle? No problem, Beltronics includes a travel case to keep it secure while you're on foot.

Ultra-Bright LED Display
Don't miss a visual alert with the RX65's 280-LED display. Exclusive threat display tracks and displays multiple radar signals, including signal strength. Tech Display provides actual numeric radar frequency for any radar signal. You can also view Safety Warning System (SWS) messages about upcoming hazards, construction and more.

How Safety Radar Works
Safety Warning System, or SWS, uses a modified K-band radar signal to alert users of Highway Construction or Maintenance, Highway Hazard Zone Advisories, Weather Related Hazards, Travel Information/Convenience, and Fast/Slow Moving Vehicles. The SWS safety radar system has 64 possible messages (60 currently allocated), all of which can be displayed on your RX65.



Pro GX65 Radar Detector

The Beltronics Professional Series GX65 delivers the best long-range warning on all radar bands including X, K, Superwide Ka, Ku, and instant-on POP. Multiple front and rear laser sensors provide 360-degree laser protection, including the widest field of view. The Beltronics Pro GX65's GPS-powered technology provides permanent relief from false alarms, including automatic door openers, motion sensors, and other radar-based sensors. And, it comes preloaded with thousands of red light and fixed position speed camera locations throughout North America.

Superior Detection
The GX65 delivers the best long-range warning on all radar bands including X, K, Superwide Ka, Ku, and instant-on POP. Multiple front and rear laser sensors provide 360-degree laser protection, including the widest field of view. A revolutionary AutoScan mode provides real-time radar performance based on vehicle speed, plus Highway and AutoNoX settings.
In addition, the new Safety Camera Database provides warning for thousands of locations throughout North America, and web-ready access allows you to update your safety camera data and other software through Beltronics' website.

Excellent Functionality
The GX65's 280-LED text-matrix display gives you easy-to-read messages and visual alerts to match the crystal-clear voice alerts. Simple user programming lets you instantly set several features. Use the optional SmartPlug for instant Mute and AlertLock access.

Installation is a breeze as well. Just use the quick release mount to attach it to your vehicle's windshield, and remove it in a snap. The included travel case lets you pack it up and take it anywhere.

BRT Dark (Full Dark Mode)
In this mode, the display will not show any visual alerts when the GX65 detects signals. Only the audible alert will tell you of detected signals.

Mark Location (MRK)
The "MRK" button allows you to mark a specific location and label it for future reference. Once marked, the GX65 will provide an alert with an arrow indicating the direction of the location when you reach this area again. This can be extremely useful for known speed traps or camera locations that you'd like to remember.

Speed Check
The GX65's Speed Check feature provides a visual indication of your vehicle speed during the first few seconds of an alert. This allows you to instantly check your speed without looking at your speedometer. Speed Check is displayed regardless of your meter setting.

New Variable Speed Sensitivity also provides real-time radar protection based on your vehicle's speed.

Display Safety Radar Messages
Safety Warning System (SWS) uses a modified K-band radar signal to alert users of Highway Construction or Maintenance, Highway Hazard Zone Advisories, Weather Related Hazards, Travel Information/Convenience, and Fast/Slow Moving Vehicles. The SWS has 64 possible messages (60 currently allocated), all of which can be displayed on your RX55's LED display.

http://sellout.woot.com/offers/your-choice-beltronics-pro-radar-...
Electronics Deals

woot! Coupons
HOT - Charles Tyrwhitt shirt + tie $39.99 free shipping
Added on : Saturday June 07th 2014 11:00:03 AM
g: 1 Posted By: mdrollas
Views: 316 Replies: 1 Got this offer from Capitol dealLINK(no referral)

Got my first CT shirt from another deal a year ago on FW. Gotta say you can't beat this deal. High quality shirt, and tie. Both at $40 shipped free is an amazing deal.

They ship from the UK, so it may take a few days to get to you.


Clothing Deals
Does using business card for personal expenses pierce corporate veil
Added on : Saturday June 07th 2014 08:00:09 AM
g: 0 Posted By: ssgcinty
Views: 114 Replies: 3 I have a legitimate long running s-corp business.
To get sign-on bonuses, I have signed up for a few business credit cards.

I plan to use these cards for personal expenses. I won't seek reimbursement from my business. I will pay the credit card company from my PERSONAL checking account.

Will this pierce the so-called corporate veil?

Question Deals
g: 0 Posted By: timothytuxedo
Views: 14 Replies: 0 I'm hoping for some guidance on what my investment strategy should be. Currently a junior officer in the military with no plans to stay in for 20 years (but anything is possible).

My wife also works and has access to a 403(b). We're both young professionals and anticipate we will move into higher tax brackets as our careers progress. Based on my understanding we are eligible to invest in:
-her 403b
-her Roth IRA
-my thrift savings plan (either Roth or tax deferred up to a combined limit of $17,500)
-an additional Roth IRA for me

Right now we're putting $5500/year each in her Roth IRA and my Roth TSP and splitting the rest of our retirement investments between my tax-deferred TSP and her 403b. I didn't realize until recently that we could theoretically invest significantly more in Roth accounts ($5,500 each in two Roth IRAs and another 17,500 in a Roth TSP).

My questions:
-is this in fact the case?
-if so, should we be maxing our all the Roth options before using a tax deferred investment vehicle?

I figure we'll only have access to the Roth for a few years because we'll soon exceed the MAGI for Roth IRA eligibility and the Roth TSP will only be an option for as long as I remain in the military. I don't want to lose the tax break, but most of the research I've done suggests young people in the lower stages of their earning careers (ie us) should take full advantage of the Roth. Thoughts?
g: 0 Posted By: remick
Views: 212 Replies: 0 http://www.amazon.com/dp/B006G2YPFW
4.3 out of 5 stars (121 customer reviews)

Rich in Historical Detail, This Is a Romance that Delivers!An unsolved mystery separates ex-privateersman Captain Brogan Talvis from his lost son--his only living relation, his only family. Shortly before her tragic demise, his wife abandoned their infant to strangers, refusing to reveal the child's whereabouts. Now, three years later, Brogan has discovered the boy at the home of a shipbuilder's daughter, Lorena Huntley.Lorena guards a dark secret about her young charge. She finds herself falling for the heroic captain who has come to claim his newly built ship, unaware his motive for wooing her is to befriend the boy he plans on reclaiming as his own--until the day another's evil deceit leaves her helplessly shipbound, heading toward England.As the perfect opportunity to reclaim his son unfolds, Brogan is haunted by thoughts of Lorena in her dire circumstance, and he is forced to make a heartrending choice between his child and the woman who has begun to capture his heart. But only his unselfish sacrifice can win him the greatest prize of all--love.


Matoula's Echo
http://www.amazon.com/Matoulas-Echo-Richard-Romanus-ebook/dp/B00...

In The Tradition Of Corellis Mandolin And Eleni Comes An Epic Historical Fiction Novel Set In Greece. By Richard Romanus, A Nominee For The Writers Guild Of America Award For Best Original Screenplay.

In the hardscrabble villages of northern Greece, strength is the only measure of a girls beauty. But Maria Christina is delicate, nearsighted, unmarried at 17 already a spinster, in a town with few choices and hopeless. Shes overshadowed by Matoula, the nimble, radiant older sister whom she loves but envies. Worse still, she smolders with shameful desire for handsome, worldly Yiannis, Matoulas husband, a doctor from sophisticated Athens.
Its the bitter winter of 1940, war just over the horizon, the Axis Powers massing to invade. All the able-bodied men have gone to defend the border. The women must supply their food and clothing, their bandages and bullets on foot over mountain trails, by starlight, through deep snow. But only those deemed strong may help. Not Maria Christina. For her thats just another humiliation.
Defiantly, she joins Matoula on a supply run. And then her worst nightmare comes true: it is strong, deserving Matoula who dies. Yiannis is left a widower, torn between commitment to the resistance, where his skills are desperately needed, and responsibility for Zoitsa, the young daughter Matsoula bore him.
War rages on against the Italians, then the Germans, and then heartbreaking civil strife among the Greeks themselves. Conflict burns within Maria Christina and Yiannis, too. They are engulfed by passion, separated by duty to country, bonded by common loss and devoured by Maria Christinas guilt at surviving her more beautiful, capable sister.
A vivid epic of calamity and longing, of modernity vanquishing tradition, Matoulas Echo makes just one fragile promise of redemption in the form of Maria Christinas new awakening.


Michal (The Wives of King David Book #1): A Novel
http://www.amazon.com/Michal-Wives-King-David-Book-ebook/dp/B00B...

As the daughter of King Saul, Michal lives a life of privilege--but one that is haunted by her father's unpredictable moods and by competition from her beautiful older sister. When Michal falls for young David, the harpist who plays to calm her father, she has no idea what romance, adventures, and heartache await her.
As readers enter the colorful and unpredictable worlds of King Saul and King David, they will be swept up in this exciting and romantic story. Against the backdrop of opulent palace life, raging war, and desert escapes, Jill Eileen Smith takes her readers on an emotional roller-coaster ride as Michal deals with love, loss, and personal transformation as one of the wives of David. A sweeping tale of passion and drama, readers will love this amazing story.


The Sentinel
http://www.amazon.com/The-Sentinel-Paul-Bourdon-ebook/dp/B007WYG...

The accidental discovery of a decades old murder thrusts a young American diplomat in modern day Berlin into a terrifying race against time to destroy an underground menace that has lain dormant since the closing days of World War II.
An obscure murder in the last days of World War II, a demonic plot that remains shrouded in time... Either through fate, accidental circumstance, or even the hand of God, a horror begins to surface and unfold. But is it too late to change its catastrophic outcome?


Out of the West
http://www.amazon.com/Out-West-Kevin-Sullivan-ebook/dp/B00IX2ECW...

Out of the West is a compelling work of literary fiction, a war novel that explores the challenges of peace. A gripping historical adventure, it paints a portrait of courage and love in the fatal shadow of global conflict that has spilled into the twenty-first century.
Citizens of Nazi-occupied Greece face daily decisions that affect their freedom and their survival. When music teacher Petros intervenes in a dispute between a Greek woman and a German soldier, he and jazz singer Thea are plunged into the brutal world of armed resistance.
Ian Chalmers, a British agent, lands in Northern Greece, where he joins Petros and Theas network. Never fully understanding his Greek collaborators, he forms a deep bond with them.
In Scotland after World War Two, Ian is alienated from everyday life until he meets Clare, an up and coming intelligence officer. Surrounded by opportunity and courted by influential mentors, Ian and Clare learn that integrity has to be fought for in peacetime Britain just as in wartime Europe.
When Ian undertakes a final mission to Greece, now in the full throes of civil war, the weight of ideology and history descends with sudden force on the small town where former friends and enemies confront one another in a terrifying climax.


The Titanic Plan
http://www.amazon.com/The-Titanic-Plan-Michael-Bockman-ebook/dp/...

TRUE:
100 years ago J. Pierpont Morgan and a group of Wall Street bankers took direct control of the American economy.
100 years ago radical firebrands were conspiring to create a workers revolution.
100 years ago the American government was paralyzed by a bitter political struggle.
100 years ago a great ship sank on her maiden voyage.
They said it was an accident. They said it was an error of judgment.
They were wrong.






Books Deals

Amazon Coupons
ThinkGeek BOGO 50% off Sitewide with F/S over $75 to lower 48 States
Added on : Saturday June 07th 2014 06:00:05 AM
g: 0 Posted By: hillsaphant
Views: 170 Replies: 0 Promotion Code:BOGOMG

I love ThinkGeek and love it when they have this promo. The 50% is taken off the lowest priced item(s). There are a few exceptions (a few swords or statues) that tell you in the product info if they are excluded. Each order is shipped with a coupon for a future purchase. Don't forget FW cash for another 2.5 percent and the ThinkGeek site has Geek points (10 points per $1 in purchase).

http://www.thinkgeek.com/promo-details/20140607_bogo50_freeship_... BOGO 50% Off50% off qualifying merchandise when you also purchase a second item of equal or greater value (multiple units of the same item may all be discounted if there are also the same quantity of other items of equal or greater value in your cart.) Offer valid from June 7, 2014, 12:01am through June 9, 2014, 11:59pm ET. Offer cannot be combined with other promotional code-based offers, coupons or discounts. Gift cards, taxes and shipping and handling charges are not applicable toward the minimum purchase requirement and are not included in the offer. Offer is non-transferable and not redeemable for cash or cash equivalents. No adjustments on previous purchases. Select product exclusions may apply and will be indicated on individual product pages. Other exclusions may apply. We reserve the right to cancel any order due to unauthorized, altered or ineligible use of discounts and to modify or cancel these promotions due to system error or unforeseen problems. Subject to change, including termination, without notice. Use promo code:BOGOMGFree US Ground Shipping at $75+Free US Ground Shipping on any qualifying merchandise purchase of $75 or more. Offer valid from June 7, 2014, 12:01am through June 9, 2014, 11:59pm ET. This offer is only valid to destinations where we ship Ground in the US, which means the 48 contiguous United States (and the District of Columbia). This offer is not valid on orders shipping to PO Box Addresses. This offer is not valid for any other shipping method or destination. Offer cannot be combined with the any other promotional code-based offers, coupons or discounts. Gift cards, taxes and shipping and handling charges are not applicable toward the minimum purchase requirement and are not included in the offer. Offer is non-transferable and not redeemable for cash or cash equivalents. No adjustments on previous purchases. Select product exclusions may apply and will be indicated on individual product pages. Other exclusions may apply. We reserve the right to cancel any order due to unauthorized, altered or ineligible use of discounts and to modify or cancel these promotions due to system error or unforeseen problems. Subject to change, including termination, without notice. No Code Necessary.
ThinkGeek Deals

ThinkGeek Coupons
g: 0 Posted By: remick
Views: 109 Replies: 0 http://www.amazon.com/gp/product/B00IRMVMTQ/
5.0 out of 5 stars (7 customer reviews)

This is a book for people from 9 to 90 who like surprises. And beauty. My intention is to show the beauty in both nature and mathematics, with some surprising connections that will make you stop and think. With this and future books, I want to foster curiosity, particularly in young people who might now see beyond boring or dull school subjects into a new world of science, physics, engineering, and math.
In this book, Grandpa and his grandchildren embark on an adventure into the fascinating connection between nature and a number called phi (ϕ. Phi is also called the Golden Number, the Golden Ratio, the Golden Section, and the Divine Proportion. It is an irrational number, like pi (π, and its value is approximately 1.618.
One of the interesting facts about phi is its relationship to the famous Fibonacci series and to the beautiful logarithmic spiral, one of the most beautiful shapes in nature. Grandpa and the children find Fibonacci numbers in the numbers of flower petals, the number of spirals on pine cones and pineapples, the shape of seashells, the genealogy of bees, how falcons attack their prey, the shape of soccer balls, and more. From the structure of a carbon crystal, to the spiral one sees in distant galaxies, phi is pervasive throughout nature. And over recorded history, it has had an effect on science, religion, astronomy, mathematics, art, and architecture.
I hope that this book results in a few young people realizing that the wonders of nature and mathematics are worth more exploration and that because of that, our society gains a few good engineers, physicists, and natural scientists.
Totally Free Deals
g: 0 Posted By: ShoppingChick
Views: 236 Replies: 0 Puritan's Pride Friends & Family Salehas 15% Off Puritan's Pride Brand Purchases plus Buy 1 Get 2 Free. Also get free shipping. Discount applies in cart and offer expires 6/9/2014.

A few notables:

Puritan's Pride 100- SoftgelVitamin D3 2000 IU(3-pk) - $5.95
Puritan's Pride 60-SoftgelCo Q-10 200 mg (3-pk.)- $28.05
Puritan's Pride 60-CapletsDouble Strength Glucosamine, Chondroitin & MSM Joint Soother (3-pk.)- $14.87

Health & Beauty Deals
g: 0 Posted By: tedhawkins
Views: 176 Replies: 0 Obermeyer Astro Ski Suit (Toddler Girls') $89.99 + $4.99 S/h @ 98main

http://www.98main.com/



Snow can't sneak in when she's wearing the Obermeyer Astro Ski Suit. The one-piece style keeps your little girl completely protected from snow, and the waterproof fabric ensures that water can't get inside. The Astro Ski Suit is also one of the warmest option for kids. There's plenty of insulation to keep the heat turned up and fewer places for warmth to escape. To make it easy to get her ski suit on and off, Obermeyer put a deep zipper down the front. When she grows you can easily extend the sleeve and pant cuffs (you just pull a thread) and squeeze in another season of wear.

Specs:

Fabric Rating: 10K Waterproof / 10K Breathable
Shell Material: 53% recycled polyester/47% polyester ECOlicious fabric with HydroBlock X waterproofing
Lining Material: 100% nylon taffeta lining
Insulation: 120g body/ 100g sleeve/ 60g hood/ 120g pant Permaloft insulation

Features:

I-Grow extendable pant cuffs lengthen by 2" to accommodate growth spurts
I-Grow extendable sleeve cuffs lengthen by 1.5" to accommodate growth spurts
DuroGuard DWR keeps water off fabric surface and resists liquid stains
Deep zipper for easy on/off
Critical seam tape prevents moisture from seeping through exposed seams
Heavy duty YKK zippers won't break
Removable hood for weather protection
Tricot lined hand pockets keep fingers warm
Interior pocket for gear and another for lift pass
Boot gaiters fit around boots to keep out snow
Fleece lined collar and cuffs feel soft against skin
Reinforced inseam, seat, and knees
Scuff guards prevent fraying at the cuffs
Working compass attached for fun
Attached mitten clips prevent lost gloves


Clothing Deals
Disney Store Coupon: Extra 40% off Select Items
Added on : Friday June 06th 2014 07:00:09 AM
g: 1 Posted By: ShoppingChick
Views: 476 Replies: 0 Disney Store is offering an Extra 40% off Select Items with coupon code BONUS40. Get free shipping on orders over $75.

A few notable:

Cinderella,Rapunzel,or BelleSinging Doll and Costume Set- $14.97
Merida Archery Set- $11.97
Doc McStuffins Figure Play Set- $7.50

Toys Deals

Disney Store Coupons
Experience with First Command Financial Services?
Added on : Thursday June 05th 2014 01:00:07 PM
g: 0 Posted By: diffeldoof
Views: 90 Replies: 3 Hello all,

I think this is my first thread in FWF, but I've probably read almost every thread over the last year or so and have learned a lot.

I have an appointment with First Command in a few days to discuss our financial goals and they offer a complimentary financial plan to first-time military clients. I hear they are pretty big but there's nothing in FWF about them... just a lot about financial advisors in general. Does anyone use them and care to share their experience and what to expect?

Generally speaking I'm not really looking for advice on our personal situation, but the background is I have a pretty good idea on what we can do investment-wise from reading all the "I have $50K how should I invest?" threads . My wife won't entertain us investing in anything other than TSP until we speak to a "professional."

I'll post our experience if it helps...
Discussion Deals
g: 5 Posted By: RunningMan
Views: 273 Replies: 4 For those who might be interested, this is the lowest price I have found on this rifle, its a great .22 cal plinker, and it looks alot like the Heckler & Koch mp5.

CDNN has been pretty reliable for me, and I have had no trouble with this rifle since I bought it a few years ago, I wanted once since 2009, when butcherboy first posted it here, and the rifle was
around 500 bucks, (old thread) .



http://www.cdnnsports.com/email-specials/gsg-522-light-weight-22...

GSG 552 LINK

Compare to buds and impact prices:

buds

impact



Plus theres a ton of parts on eBay you can get, to mod or upgrade it that are really cheap:

ebay listings for parts

ebay listing for parts

ebay listing for parts




Guns & Ammo Deals
401k/IRA questions
Added on : Thursday June 05th 2014 10:00:12 AM
g: 0 Posted By: coolcomp
Views: 145 Replies: 6 Changing employers and want to get my 401k out. The best plan as I have researched suggests doing a 401k to IRA conversion. The 401k is managed through a smaller company sponsored firm. Couple of questions

1) Is rolling over to IRA the best option for people on temporary visas (H1). I saw quite a few threads discussing this, but there was no real conclusion I could make out. The general idea has been to maintain a IRA accnt now. And when you immigrate back to your home country (India), convert to a Roth IRA every year upto your std deduction (10.5k now) and then withdraw. Is this right? Will there be taxation in the home country when you withdraw from roth IRA later on?

2) Is backdoor roth conversion a way of avoiding taxes when you convert from IRA to roth?

3) I saw some firms for IRA accounts like Fidelity/Scottrade etc. None of them take any fees for opening and maintaining the account. Is the idea to earn money only from the trades? As of now, want to invest in something safe and leave it for some years like the vanguard retirement 2040 etc. So once I invest into Vanguard 2045, I will pay a one-time commission fee of 5-10$ and that's it?


Investing Deals
Southwest Fall Sale - Through Thursday June 5
Added on : Thursday June 05th 2014 06:00:13 AM
g: 5 Posted By: StartByServingOthers
Views: 1540 Replies: 9 I tried searching the forum, but didn't see any post on this.

Southwest has a fall sale through Thursday.

- As I was booking some complicated international itineraries I noticed some of the prices drop. - At least for my searched only the lowest prices dropped. Tickets that were already at any premium stayed at the same price.
- I did notice a drop in points on some domestic flights as well, but the months I was booking was already at a slight premium, and I noticed very few drops overall. Some months I saw no drop at all.

- I was booking using points but since points are a percentage of actual fare, prices pretty much drop evenly regardless of how you are paying.

-I'm not sure if the 'scary warnings' Southwest gives applies to me since i am booking with points, but I chose to cancel and rebook whether than process a change to the existing fare. I.e. Southwest says the following for international itineraries: If any change is made, then the itinerary becomes non-refundable.
Air Travel Deals
Wells Fargo CC BT to checking!
Added on : Thursday June 05th 2014 04:00:10 AM
g: 0 Posted By: swampwiz
Views: 102 Replies: 7 I was getting ready to ask for advice as to how to do a BT to a debit card linked to a checking account @ TDAmeritrade (which doesn't seem to allow it), but what do you know, Wells Fargo will allow the BT to go into a checking account! Damn good terms too: 4% fee, 0% for 18 months! A few days from now I will be able to get it so that the 18 months end after the cycle in Dec 2015, and thus not have to pay until Jan 7, 2016 which will allow me to access the cash from the Roth IRA conversion basis from 2011 without the 10% penalty to pay it back!

Who needs drugs when one can get the same jolt of euphoria from saving money!
Deal Deals
g: 3 Posted By: remick
Views: 203 Replies: 0 182 Free Things To Do In New York City: The Best Free Museums, Sightseeing Attractions, Events, Music, Galleries, Outdoor Activities, Theatre, Family Fun, ... & Tours In NYC
http://www.amazon.com/182-Free-Things-York-City-ebook/dp/B00JG5I...

WHATS NEW IN 2014

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

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

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

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

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

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

TABLE OF CONTENTS

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



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

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

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



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

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

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

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

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

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



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

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

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

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

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

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

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

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

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

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

Books & Magazines Deals
g: 0 Posted By: tedhawkins
Views: 169 Replies: 0 Louis Garneau Women's CFS-300 Road Shoes $110.49 (reg $299.99) performance bike

http://www.performancebike.com/bikes/ProductDisplay?catalogId=10...

Extra 15% OFF discount seen in cart

Louis Garneau CFS-300 road shoes are the ultimate in customized fit, comfort and power transmission. Just pop these shoes in a conventional oven to soften the heat-moldable uppers, remove the shoes after a few minutes, insert your feet, and secure as you normally would. Shoes adapt to your feet as they cool for a perfectly tailored fit. Carbon outsole, side vents, heel retention, interchangeable insoles and ratchet positioning promote comfort and high-efficiency output.

100% heat-moldable system is adaptive to any foot, user-friendly and can be repetitively molded by conventional household means (moldable at 150 F/65 C)
Exo-Jet carbon outsole with molded arch support blends lightweight comfort and rigidity with incredible power transfer
Patented multi-vent system is integrated into the outsole for excellent heel-to-toe airflow
Varnished microfiber leather and nylon mesh upper delivers lightweight support, continuous air circulation and waterproof protection
Ergonomic, thermoplastic molded toe area with 2 side vents provide excellent protection, ventilation and durability
HRS-100 system reinforced with a 0.6mm membrane maintains heel positioning and offers a secure fit through a reinforced heel retention strap which integrates with the mid-level strap
Ergo Air interchangeable insoles let you adjust accordingly to cold or warm conditions
Laterally and vertically adjustable EVA foam padding integrated with ratchet repositioning for an optimized fit
Position your cleat using the visual display (compatible with Dura-Ace, Time, LOOK and Speedplay cleats)
Includes CoolMax Ergo Air Cool Stuff (blue) and Hot Stuff (red) insoles
Includes toe covers and shoe bag with molding instructions
Shoes Deals

Performance Bicycle Coupons
g: 0 Posted By: emucader
Views: 102 Replies: 0 My local Lowe's has a good number of lighting solutions on clearance right now.Thisanvil pendant light is a great deal and seems to be available in multiple locations in my area. Throw in a few LED light bulbs to push your order over $50 and use coupon code47000LOWES0664S (thanks DizzyT71) to knock off $10.22-in W Anvil Iron Pendant Light with Frosted Shade

Anvil iron finish and modern design will complement many styles
Includes an etched glass shade that is sandblasted inside and painted white
Requires three 100-watt medium base bulbs or CFL equivalents
Simple beautiful way to update your rooms decor


Style Contemporary/Modern Width (Inches) 10.236 Length (Inches) 10.236 Manufacturer Color/Finish Anvil iron Height (Inches) 22.638 Material Mixed material Shade/Glass Type Frosted Bulb Type Incandescent Number of Bulbs Required 3.0 Maximum Bulb Wattage (Watts) 100.0 ENERGY STAR Qualified No Dimmable Yes Type of Hanging Device Downrod

Hanging Device Max. Length (Inches) 50.75 Collection Name Aztec Pendant Weight (lbs.) 22.9278 Color/Finish Family Iron Hardwired or Plug-In Hardwired Mounting Hardware Included Yes UL Safety Listing Yes CSA Safety Listing Yes ETL Safety Listing Yes Lighting Technology Standard Recommended Light Bulb Shape A21 Light Bulb Base Type Medium base (E-26)

Home & Garden Deals

Lowe's Coupons
Roku 1 Streaming Player Black 2710R Refurb $34.95 FS @ Newegg
Added on : Wednesday June 04th 2014 08:00:03 AM
g: 0 Posted By: Farfisa850
Views: 132 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16815328012

Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD.
Quick and easy setup. Sets up wirelessly in minutes with just a few simple steps.
Electronics Deals

Newegg Coupons
g: 1 Posted By: remick
Views: 157 Replies: 0 https://www.facebook.com/Safeway?sk=app_369491639849879
Dairy Deals
Free mp3 on Google Play - I Hold On by Dierks Bentley
Added on : Wednesday June 04th 2014 06:00:11 AM
g: 0 Posted By: remick
Views: 105 Replies: 0 https://play.google.com/store/music/album?id=B424tpas6lirb7opyzi...
Movies & Music Deals
Economics of Rehabbing a House (i.e., am I overbuilding an old house?)
Added on : Wednesday June 04th 2014 04:00:10 AM
g: 1 Posted By: ltcm
Views: 136 Replies: 10 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

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

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

Real Estate Deals
How to sit on the sidelines with a 401k?
Added on : Wednesday June 04th 2014 03:00:11 AM
g: 0 Posted By: yorkie345
Views: 59 Replies: 2 I have two 401k accounts, as I left my first job a few years ago. The 401ks are through Fidelity and T Rowe Price. I always keep a watchful eye on the market and was looking into what I could do if the market takes a turn for the worst, as in, pulling out of stocks and just sitting the money in a money market etc. so I don't take a huge loss. Well, I logged into both accounts and went to my options for moving the money into different funds etc. and I see no option of letting the money sit uninvested. Is this pretty typical of company-sponsored 401ks or am I not looking in the right place? I also have a Vanguard Roth IRA that I can move my money into their money market whenever I want. I was hoping for the same thing with my company 401ks.

Don't worry, I'm not going to do it now. The market is still going up and I'm putting 50% of my pay into my 401k
Investing Deals
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B008A2BNFQ

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

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

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

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

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

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

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

Word Count=12,000
=====

TABLE OF CONTENTS

WHATS IN THIS GUIDE
INTRODUCTION
CHAPTER 1: THE PROS AND CONS OF OWNING A SWIMMING POOL
CHAPTER 2: HOW MUCH DOES A SWIMMING POOL COST?
CHAPTER 3: HOW MUCH DOES IT COST TO MAINTAIN A SWIMMING POOL
CHAPTER 4: HOW TO CHOOSE A SWIMMING POOL
CHAPTER 5: HOW TO CHOOSE A SWIMMING POOL BUILDER
CHAPTER 6: POOL WATER CHEMISTRY ESSENTIALS
CHAPTER 7: COMMON SWIMMING POOL PROBLEMS ONCE YOUR POOL IS INSTALLED
CHAPTER 8: DEALING WITH POOL PUMP ISSUES
CHAPTER 9: HOW TO GET RID OF INSECTS IN YOUR SWIMMING POOL
CHAPTER 10: WINTERIZING YOUR POOL
CHAPTER 11: GETTING YOUR POOL READY AGAIN IN SPRING
CHAPTER 12: SWIMMING POOL FREQUENTLY ASKED QUESTIONS
CONCLUSION
FURTHER READING
APPENDIX: POOL FENCING ESSENTIALS
Totally Free Deals
Southwest Fall Sale
Added on : Tuesday June 03rd 2014 05:00:09 AM
g: 0 Posted By: StartByServingOthers
Views: 66 Replies: 0 I tried searching the forum, but didn't see any post on this.

Southwest has a fall sale through Thursday.

- As I was booking some complicated international itineraries I noticed some of the prices drop. - At least for my searched only the lowest prices dropped. Tickets that were already at any premium stayed at the same price.
- I did notice a drop in points on some domestic flights as well, but the months I was booking was already at a slight premium, and I noticed very few drops overall. Some months I saw no drop at all.

- I was booking using points but since points are a percentage of actual fare, prices pretty much drop evenly regardless of how you are paying.

-I'm not sure if the 'scary warnings' Southwest gives applies to me since i am booking with points, but I chose to cancel and rebook whether than process a change to the existing fare. I.e. Southwest says the following for international itineraries: If any change is made, then the itinerary becomes non-refundable.
Air Travel Deals
Free Tenacious Tape Sample
Added on : Tuesday June 03rd 2014 01:00:04 AM
g: 0 Posted By: remick
Views: 52 Replies: 0 https://www.mcnett.com/gearaid/tape-sample

Try it, you'll like it.
Rip in your down jacket? Hole in your tent fly? Leak in your sleeping pad? Tenacious Tape is a do-all repair tape for nearly invisible repairs. Re-position the tape within a few minutes, if needed. The repair becomes permanent after a day.

Sign up and confirm your subscription to the McNett mailing list for a free Tenacious Tape sample patch, then let us know how YOU use Tenacious Tape!
Free Samples Deals
g: 0 Posted By: ctgolfer
Views: 140 Replies: 0 The Roku 3 has been updated to now support YouTube's Channel plus DIAL support, which lets users pair a smartphone or tablet to their YouTube accounts on the Roku 3, and control their YouTube viewing experience including play, rewind, or fast-forward directly from the DIAL-paired device
Over 1000 entertainment channels. Choose from the best selection of streaming entertainment on the planet.
All-new on-screen experience with one-stop search. Fly through channels or search for the perfect title effortlessly.
The fastest, most powerful Roku experience ever.
Remote with headphone jack for private listening. Use the included in-ear headphones to enjoy a late-night flick without disturbing the peace.
Motion control for games. Enjoy tons of games with a few flicks of the remote. Get the fun started with Angry Birds Space, included free.
Free iOS and Android app. Use it like a remote. Browse and add new channels. Even play your music and photos from your phone or tablet on your HDTV.
Fully loaded and ready for your HDTV. 1080p HD support, dual-band wireless, Ethernet port, USB port and microSD slot.
Networking: 802.11 dual-band (a/b/g/n compatible) with WEP, WPA, and WPA2 support, 10/100 Base-T Ethernet
Video Outputs: 720p, 1080p
Audio Output: Digital over HDMI (7.1 and 5.1 surround pass through)
Storage Expansion: microSD card slot for additional game and channel storage
Remote Control: Roku 3 enhanced remote with headphone jack and motion-control (uses Wi-Fi Direct), Streaming player includes IR receiver (compatible with various universal remotes)
Power Consumption: Less than 3.5W (typical) when streaming HD video
Power Input: 12V 1A power adapter
USB Media Formats: Video: MP4 (H.264), MKV (H.264); Audio: AAC, MP3; Image: JPG, PNG
Ports: HDMI, RJ-45 Ethernet, Micro SD
System requirements: HDTV, HDMI cable, Wi-Fi network connection
Uses 2 AA batteries (included)
Dimensions: 3.5 x 3.5 x 1
Weight: 5 ounces
Brand: Roku
Model: 4200R-RB
Condition: Refurbished
Warranty: 90 Day
Packaging: Brown Box

http://1sale.com/electronics/tv-home-theater/new-member-exclusiv...
Electronics Deals

1Sale.com Coupons
15% off iTunes gift card at Safeway
Added on : Monday June 02nd 2014 12:00:03 PM
g: 0 Posted By: steveo
Views: 121 Replies: 0 Not sure if this is targeted or nationwide, but I received an email today that stated 15% off iTunes gift cards. "Buy any $25 or more in iTunes gift cards, Save 15% Instantly. Limit 1."
Sign in to your Safeway account and look under "Special Offers" in the left nav.

Gifts Deals

iTunes Coupons
Where to Park Money
Added on : Monday June 02nd 2014 11:00:10 AM
g: 0 Posted By: DjScibbity
Views: 185 Replies: 3 Hi All,
I know this has been asked and the typical answer is "Find a high yield checking account..."
But, its been a few months and Id like to see if there are any other suitable options (or recommendations for said high yield checking accounts).

If you had $40-60k sitting in a crappy low yield checking account what would you do with it?
Assuming it is to be kept fairly liquid (A CD could also work, since it's technically liquid).
Stipulation is that it must be very very low risk and preferably FDIC insured.
Investing Deals
Best Way to Spend Credit Card $ For Bonus Fulfillment?
Added on : Saturday May 31st 2014 06:00:06 PM
g: 0 Posted By: justignoredem
Views: 98 Replies: 2 Hey FWF.

I'm about to run into a situation where I need to fulfill a $5k spent amount on a CC in order to get the initial bonus. I highly doubt in the next 2 months I can get to that amount. What are the best recommended ways to spend it?

Ways off the top of my head:
1. Is there anyway to pay for my mortgage with the $ from my credit card?
2. Is there a way to simply take the $ out as cash without paying the APR? Is it like other purchases and the APR doesn't apply until after the statement comes? Sorry if these are stupid questions, I've never gotten a cash advance from a credit card in my life.
3. Pre-paid gift cards. I'm guessing thats how most people here are doing it. $500 Visa Gift Cards? If so, what are the details here? Do you buy them and then cash them out for cash the next day (if possible?) Or do you simply spend them on your normal purchases for a while? What are the fee's associated with these?

Any help is appreciated, I have quite a few credit card offers I'm going to need to fulfill soon!
Credit Deals
Best Investments?
Added on : Friday May 30th 2014 12:00:07 PM
g: 0 Posted By: JoeSo
Views: 97 Replies: 2 I came into a few thousand dollars and I'd like to know what the best short term,highest yield investments would be to save some of that in...I've heard things like precious metals. Suggestions?
New User Question Deals
may not be as simple as it seems ?
Added on : Friday May 30th 2014 11:00:06 AM
g: 0 Posted By: vistaluck
Views: 146 Replies: 5 so long story short. some 1 owe me about $30,000 cash 1 year ago but he doesn't have cash to return it back to me so he is trying to give me some electrical equipments to cover the debts. The initial plan was to make at least double of that $30,000 but I only got $5000 as interest. The equipment worth $1800 a piece market value. However, he changed his mind again since these equipiments can sell so he don't want to give all to me at once. If its all at once, it would be 16.7 pieces of equipments so I guess its 16 pieces + $1200 cash or something.

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

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

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

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

I still think this is a huge loss for me. You know how I calculate it. So if you got $30,000. You can pay this to principle of your mortgage, you will instantly save another $30,000. And when you pull out equity loan from your house, you can pull out another 75% of that $30,000 you just put in so thats $22,500 so you just put in $30,000 in and make $52,500. Plus you shorten your loan time a few years by putting in that $30,000. So this $30,000 probably has just make you $82,500 total.
Personal Finance Deals
Gymboree.com: Girls Dresses $8 shipped! (reg $27)
Added on : Thursday May 29th 2014 10:00:02 PM
g: 0 Posted By: bittul
Views: 0 Replies: 0 Quite a few nice styles.

www.gymboree.com

FS no minimum -- today only.
g: 0 Posted By: SyZpuzzler
Views: 223 Replies: 3 Hello, I made a post a few weeks ago about purchasing a house but that is down the road, and this is more pressing

Currently, this is my situation: $39k salary, $29k combined student loan debt between 2.8% and 5.9%, $8.5 car loan at 1.9%, and a $3,400 CC balance on my Wells Fargo card I've had for over 10 years. As far as I know, my credit is good (excellent??? No late payments on anything in years, no other outstanding debt, I've held car loans before, I've had student loans for many years, etc. I don't know the actual score because when I go to annualcreditreport.com it just gives me a detailed summary but not my actual FICO score)

I currently have $1,000 I want to pay towards my credit card, and I'm looking to pay off the remaining $2,400 within a year (hopefully within 6 months ...)

I haven't gotten a new card in years, including a debit (also WF). I know there are tons of programs to move your balance, get 0% for a year, get 2% Cash Back, all sorts of stuff

My main question is: should I move my $3,400 balance to a new card with 0% down and potentially some rewards like Cash Back, then pay it down within a year and use that card moving forward?

Follow up questions:

- Once my current card is paid down, can I close it? Do I get a credit hit if I close a current line of credit?
- If I get a Cash Back or rewards card, is the correct way to make purchases moving forward to just use the credit card then at the end of the month pay it 100% off with the money from my checking account I would have used anyways?
- I know Discover has some sort of program where they tell you your credit score every so often. Are there any other programs? Ideally, 0% + a Cash Back rewards + a FICO score would be fantastic but that seems like a pipe dream
- Is it worth it to call Wells Fargo and basically pull the 'Hi, I'm a loyal customer. I see offers to move my balance over and get a 0% interest, is there anything you can do about my interest rate?' card AND THEN if they lower it, STILL move the balance over?
- My current credit line is $4,800, bumped from $3,600, bumped from $2,500. Will I more than likely be approved for at least a $3,600 limit on the new card? (Enough to move $3,400 + the 3% fee)

Yes, I know there is a credit card thread but it has 112 pages and I simply cannot invest the time into that much

Thanks

Credit Deals
g: 0 Posted By: ctgolfer
Views: 188 Replies: 0 Super LoLux - Low light performance is a key factor in producing high quality video. Everio's Super LoLux ensures superior sensitivity to low light. No worries while indoors or in dark situations, Intelligent AUTO
Full HD if you want to watch the results on an HDTV or burn 1920 x 1080 resolution videos to a Blu-ray disc or DVD, Advanced Image Stabilizer expands the e ective area at wide angle, delivering powerful compensation for camera shake.
Time-Lapse REC records one frame at a time at set intervals (1sec. - 80sec.). So you can watch movement that's hours long in just a few seconds when played back, Auto REC
Charging Time 1h 50m, Continuous Recording Time 1h 5m, Actual Recording Time 40m.

www.amazon.com/dp/product/B006NT43IW/
Camcorders Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 151 Replies: 0 Sierra Designs Men's Super Stratus Jacket $125.55 FS Amazon (Very few left in stock)

http://www.amazon.com/gp/product//B00DP3C6KQ

100% Polyester Ripstop
800-Fill DriDown
Two zippered hand pockets, interior zippered pocket and two interior dump pockets
Cuff binding with thumbhole
Drop hood with integrated collar
Adjustable hem and helmet compatible hood


Clothing Deals

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

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

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

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

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

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

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

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

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

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


Question Deals
T Mobile ETF Reimbursement
Added on : Wednesday May 28th 2014 11:00:08 AM
g: 0 Posted By: txrandom
Views: 125 Replies: 0 I would like to get an iPhone and Windows phone for development purposes and looked into taking advantage of the T Mobile ETF reimbursement program. Can anyone find any flaws with my plan below outside any moral issues?

Currently have an Android phone purchased from Sprint that is eligible for T Mobile ETF reimbursement.
Under contract at $30 a month for a few more months with a prorated ETF of $100.
But am eligible for an upgrade to an iPhone 5C for $50 on Sprint with a new two year contract.
Wait a month after upgrading to iPhone and cancel after paying $350 ETF.
Sign up for T Mobile $50 Simple Choice Plan and buy a Windows Phone outright for $120-$189.
Submit T Mobile ETF reimbursement form with old Android device.
Eventually receive $350 ETF reimbursement in the form of a Mastercard prepaid card.
Cancel T Mobile plan, or downgrade to cheaper prepaid plan or data only plan. No money should be due since the phone was bought outright. Windows Phone can be unlocked after 40 days if needed.

So the total cost for an iPhone 5C would be $50 (upgrade), $36 (activation on Sprint), $40 (two months of T Mobile service minus cost of current Sprint service) = $126 versus a normal retail price of $650. Yes, it will be locked to Sprint, but that's not an issue for me.
Personal Finance Deals
g: 0 Posted By: remick
Views: 69 Replies: 0 Why watch PlayStations E3 Press Conference on a puny browser window when you can see it on the silver screen? On June 9th, were inviting PlayStation fans in the US and Canada to experience the E3 press conference in a new way live, on a massive screen in more than 40 movie theaters.
Join us and host Geoff Keighley for the PlayStation E3 Experience, featuring an HD simulcast of the PlayStation E3 Press Conference. Attendees will also see 30 minutes of extra content, including exclusive extended game footage and interviews with the worlds biggest game developers. And hey, if you show up, we might even cough up a few surprise gifts.
Best of all, its free. Space is limited, so make sure to register for the event soon here: http://eventgrid.com/Custom/playstatione3
If you dont live near one of the fine cinemas listed below, never fear: Youll be able to watch all the gaiety from your computer or smart phone right here on PlayStation.Blog (or PlayStation.com and Ustream.tv/playstation).

PlayStation E3 Experience The TL;DR Version
When: Monday June 9th at 8:30pm ET / 5:30pm PT (show starts at 9:00pm ET / 6:00pm PT)
Where: 40-50 theaters across US and Canada
What: Watching the PlayStation Press Conference LIVE in HD from the comfort of a movie theater with other PlayStation fans. Event features 30 minutes of exclusive content, including extended game footage and developer interviews. Plus surprise giveaways!
RSVP: Free to attend, but space is limited. RSVP here: http://eventgrid.com/Custom/playstatione3

Locations
ST CITY THEATRE NAME
AK Anchorage Cinemark Anchorage 16 with XD
AL Birmingham Regal Trussville 16
AZ Phoenix AMC Ahwatukee 24
BC Vancouver Cineplex Cineplex Odeon International Village (Tinseltown)
CA Los Angeles AMC Century City 15 with IMAX
CA San Diego AMC Mission Valley 20 with IMAX
CA San Francisco Cinemark Century 9 San Francisco Centre with XD
CO Denver Regal Pavilions 15
DC Washington AMC Mazza Gallerie 7
FL Miami AMC Sunset Place 24 with IMAX
FL Orlando Regal Waterford Lakes Stadium 20 with IMAX
FL Jacksonville Regal The Avenues Stadium 20
GA Atlanta Regal Hollywood 24 @ North I-85
ID Boise Regal Boise Stadium 22 with IMAX
IL Chicago Regal City North 14 with RPX
IN Indianapolis Regal Galaxy 14
KY Louisville Cinemark Tinseltown Louisville
LA Baton Rouge Regal Citiplace 11
MA Boston Regal Fenway 13 with RPX
MN Minneapolis Regal Brooklyn Center 20
MO Fenton Regal Gravois Bluffs Stadium 12
MO Kansas City Regal Kansas City 18 Cinemas
NC Charlotte Regal Stonecrest 22 @ Piper Glen with IMAX
NE Omaha AMC Oakview 24 with IMAX
NM Albuquerque Regal Cottonwood 16
NV Las Vegas Regal Village Square 18
NY New York Regal Union Square Stadium 14
NY Buffalo Regal Transit Center Stadium 19 with IMAX
OH Columbus Regal Georgesville Stadium 16
OK Oklahoma City Cinemark Tinseltown USA
ON Toronto Cineplex Yonge & Dundas
OR Portland Regal Lloyd Center 10 with IMAX
PA Philadelphia Regal Riverview Plaza
PA Pittsburgh Cinemark Pittsburgh North 11
PQ Montreal Cineplex Scotiabank Theatre Montreal + IMAX
SC Columbia Regal Columbiana Grande Stadium 14
TN Nashville Regal Opry Mills 21 with IMAX
TX Houston Regal Houston Marq*E Stadium 22 plus IMAX
TX San Antonio Regal Cielo Vista 18
TX Dallas Regal Galaxy Theatre
UT Salt Lake City Cinemark Salt Lake City 16
VA Virginia Beach AMC Lynnhaven 18 with IMAX
WA Seattle AMC Pacific Place 11
Totally Free Deals
Potentially Dangerous Tree?
Added on : Wednesday May 28th 2014 03:00:06 AM
g: 0 Posted By: nhokt
Views: 78 Replies: 3 Since the tree thread can has been opened again....

We have about 2 acres of land, most of which is heavily wooded forest that abuts a few neighbors smaller lots, the property boundaries aren't clearly marked that I can see.

On what appears to be very near the edge of our(?) property and close to a neighbors house there is a ~80' pine tree that is rotting at the base due to previous wind damage. An arborist eyeballed it from a distance, said it looked dangerous and recommended it be taken down. Tree service would most likely need to access the tree through neighborsproperty to take it down.

This is the one neighbor we don't know well. I stopped over and had a quick discussion where they didn't seem concerned and didn't want to do anything about it.

Situationseems like a giant liability to me, myidea is to use my legal plan to have a liability release drawn up for any potential damage or harm the tree may cause if it falls and have the neighbors sign it.

What I am missing? Is this risk still too high with the liability release?

Personal Finance Deals
g: 0 Posted By: MrVietnam
Views: 170 Replies: 0 Save $10 Instantly when you purchase $100 or more in American Express Gift Cards.
Limit 1 - expires 6/10/2014

Just activate digital coupon (YMMV for you having this offer in your account - I found this offer in the coupon center and not in the personalized deals section so most of you should have it) then go to your local Vons (safeway) store and buy a $100 American Express gift card and after the $5.99 activation fee it will be $105.95 then the register will automatically take off $10 making it a $4.05 MM for you. I have two J4U accounts and the offer was in both accounts, so an easy $8.10 of free money for me plus some credit card loyalty points.
Safeway Deals
g: 0 Posted By: Deals4mykids
Views: 106 Replies: 0 Regular Price: $159.99
Free in store pick up.

http://www.sears.com/craftsman-3-ton-floor-jack-stands-and/p-009...

The Craftsman Three-Ton Jack, Jack Stands & Creeper Set will set you up for auto repairs just like the pros. There are few tasks you will not be able to perform with the heavy duty three-ton jack, jack stands and creeper. If you have ever crawled and squirmed along the gravely road to try and get into a dark, tight spot under the hood, you will appreciate what a great jack, stand and creeper set can do for you. Gives you the ability to provide safe auto service in your own home.


The heavy duty, welded construction of this stable three-ton jack offers 6,000 pounds of pure lifting power.
The generously sized, easy rolling creeper is 36 inches long for excellent stability. The built-in headrest on the creeper offers a welcome bit of comfort on the bigger jobs. The jack provides
up to 19.25 inches clearance, a great amount of space for ease of repair.


Tools Deals

Sears Coupons
FYI -- Yodlee now working with Computershare accounts
Added on : Tuesday May 27th 2014 02:00:07 PM
g: 1 Posted By: boden11
Views: 60 Replies: 1 I noticed a few odd alerts at yodlee these past few days -- large net worth changes + and - but every time I logged in I didn't see anything different and just chalked it up to transaction posting at weird times. However today I noticed that for the first time in YEARS that my Computershare accounts updated on their own and appear to be working fine!! Took a while, but finally working!! Haven't tried the other sites like mint/personal capital but get a feeling that some of those sites may start working shortly too.
Discussion Deals
Tips for my last AOR for the forseeable future?
Added on : Monday May 26th 2014 12:00:11 PM
g: 0 Posted By: bytem3
Views: 58 Replies: 0 ETA: I need to do this by Thursday (5/29).

I have some CCs with annual fees about to become due. Since I may be moving to Canada shortly (and should be able to hit several thousand in USD spend; after that, most/all spend would be in foreign currency), I'd like to get in one final AOR. Air Canada (Star Alliance) is the main airline that services the nearby airport, though it is also serviced mostly by Air Transat, Alaska, Delta, Lufthansa, United, and WestJet. There is also a nearby airport that is serviced by Alaska, Allegiant, and Frontier. I am generally more interested in travel miles (for first class international flights) than hotel nights, but am open to suggestions. I haven't checked my credit score in a while, but it's usually 750+. Last mini-AOR was in February.

Cards I currently have:
Chase: Ink Plus, Freedom/Marriott/IHG; IHG up for renewal, but think I will keep it; I got the Ink Plus in February, but think I just passed the 90-day mark a week or two ago, but didn't think to ask Chase to match the ongoing 60k signup bonus offer
Amex: PRG/BCP/Costco; BCP and PRG up for renewal - have all the MR points unused, but not sure what to convert/transfer the MR points or the cards to
Discover: It
Barclays: Arrival; up for renewal, previously denied any promo/retention offer, and they recently changed the card to their new Arrival Plus World Elite...should I keep this card? Apparently, now more things qualify as travel purchases for 2.2% Cash Back redemption.
US Bank: Cash+/general
BoA: Better Balance Rewards
FIA: Amex/Visa

Cards I am thinking about:
- US Bank Club Carlson 85k promo (50k first purchase, 35k after $2.5k) - not sure if I should get Visa Premier ($75 AF, more perks) vs Business Rewards ($60 AF, but fewer perks) -http://www.clubcarlsonvisa.com/credit/compare.do
- Chase Bold Plus 60k promo ($5k spend, $95 AF waived 1 year)
- ?Chase Sapphire Preferred
- ?Chase United
- ?Amex Starwood
- ?Amex Delta Gold (35k with $1k spend and $50 statement credit on a Delta purchase; $95 AF waived) - now, this card has no FTF. It is a bit confusing, though, since this is a targeted offer I receive after entering my SkyMiles # and last name, but it says "For Personal Use: Welcome bonus offer not available to applicants who have or have had this product" and I already got this card two years ago and held it until just over 12 months ago.
- ?Barclays US Air 40k (first purchase, $89 AF not waived); I already have ~40k miles from getting this same card ~two years ago

Things I'm also thinking about:
- ?What to do with the 50k Amex MR points attached to the PRG? (downgrade to a no-AF MR card?)
Discussion Deals
Family Christian 40% Coupon Today Only
Added on : Monday May 26th 2014 08:00:05 AM
g: 1 Posted By: sweetpea10
Views: 252 Replies: 0 ~~http://www.familychristian.com/coupons?~~A Memorial Day treat for you!
today only May 2640%off*any one regularly-priced itemuse code: 131981301 print coupon →
or shop online!*Valid in store or at FamilyChristian.com. Not valid on Family Values items, doorbusters, Members Only, prebuy items, clearance items, Church and Homeschool curriculum, Lifeway, VBS, Church Supplies, Hymnals and Choral, site licenses, Handiworks, digital media, electronics, Catalyst membership, Brightpeak Financial Products, gift cards, donations, personalization services, tickets or in combination with other coupons. No price adjustments on merchandise previously purchased. One coupon per customer.
Books Deals
FIA Card Services - New Website?
Added on : Sunday May 25th 2014 04:00:06 PM
g: 0 Posted By: NEDeals
Views: 1 Replies: 0 Wow, FIA might be upgrading their website, which is straight out of the 1990s. Maybe they might consider crazy features, like email, account alerts, viewing purchase categories, and dispute? It is probably too much to ask. But there was prior speculation that FIA was transferring some credit cards (e.g. Fidelity Amex) to BoA proper in preparation for a possible sale. I doubt BoA would invest
a nickel in FIA's website if they plan to sell.


FIA said: Coming soon: Improved site navigation and support features to enhance your online experience.


During the weekend of June 20, 2014, we are updating our systems to improve your online experience and provide
you with enhanced features. During this time, you will still be able to access and view your accounts, but certain
functions may be limited.

Bill Pay Choice will be unavailable from June 19 through June 23. Any scheduled payments will take place
as usual during that time, but you will not be able to add, modify or delete any payments set up
in Bill Pay Choice. If you need to make a payment while Bill Pay Choice is unavailable, you can call
Payments-by-Phone at 1-888-339-6262.

Below are a few of the key enhancements you will see:

Improved navigation. Enjoy redesigned pages with upgraded functionality for streamlined navigation throughout the site
to help make managing your accounts easier than ever.
Upgraded support features.New tools will provide interactive help and navigational assistance for locating what you
need more quickly.
Automated alerts.We will help you stay up-to-date by sending automated alerts to the email address you provided about
account updates, new card orders, statement delivery and more. This way we can quickly communicate with you and
help safeguard your information.

What you need to know:The first time you log in to the enhanced site you:

Will be asked to verify your identity by answering your Challenge Questions.

If you can't remember the answers to your challenge question, you can visit the My Profile page
to update your Challenge Questions prior to conversion.

Will be prompted to review and accept the Terms of Use agreement.
May need to create a new Login Name.

If necessary, you will be prompted to do so when you log in.


Customers with authorized user privileges will no longer be able to access your account online. Accounts will only be accessible
online to the primary account holders, co-applicants and guarantors. You will need to make alternate arrangements if an
authorized user manages this account online.
TCPA enforcement for fun and for profit up to 3k per call
Added on : Sunday May 25th 2014 08:00:11 AM
g: 3 Posted By: codename47
Views: 146 Replies: 1 Just wanted to get some feedback on the latest experiences people are having with automated calls. So, the TCPA (telephone consumer protection act 47 usc 227) regulates such calls, and generally without "express written consent" or an emergency purpose.

TCPA updates:

Now, previously, before October 2013, there was an implied, express written consent where if you gave your telephone number to someone, it was considered by some courts to be "consent" or was allowed under an "established business relationship", but that all changed in the fall of 2013, so here are have a requirement for unambiguous written consent required and no established business relationship loophole as of October 2013, because the FCC says so. http://www.kleinmoynihan.com/publication/new-tcpa-rules-effectiv...

Text messages count too as prohibited methods of communication again without clear written consent. These are super easy to enforce as you have almost all the evidence you need to find out the other party's identity and bring them to court.

Also, just to be clear the company that the calls are being made for are vicariously liable for the actions of the telemarketing company. So, if a company calls and is trying to sign you up for Dish network or Caribbean cruise lines, and they are Joe Schmoe telemarketing enterprises LTD, and they fold up, declare bankruptcy, and move overseas, you aren't out of luck and can generally go after Dish network for the calls that were made on their behalf as they were the ultimate beneficiary of the illegal actions. Otherwise, any company could hire an illegal telemarketer, and claim innocence as they didn't directly make the calls themselves.

So, I am looking at switching service providers with my cell phone as I can't port my old number, and holy effin crap, I get a lot of pre-recorded calls and for no reason on the new number. I get quite a few on the old number too, but that is in the process of being rectified...

Some other interesting stuff I found is that at least in the 6th circuit COA at least, TCPA calls have a max damage amount of potentially 3k per call. Now, some lazy lawyers will cite the $500 to a max of $1500 per call, but for people who are willing to do a little research, they may find a few gem's such as Phillip Charvart, a personal hero of mine along with Edward C lawson. If you think I have a propensity to sue people you should see Phillip Charvart laying down the law. I read somewhere that he filed like 60+ lawsuits and won the vast majority of them while establishing a lot of good caselaw. For example, in one case, Charvart was awarded $73k. http://do-not-call-complaints.com/blog/tcpa-monetary-awards-char...

The 6th Circuit held in another case:
a person may recover statutory damages of $1500 for a willful and knowing violation of the automated-call requirements, 227(b)(3), and $1500 for a willful and knowing violation of the do-not-call-list requirements, 227(c)(5) even if both violations occurred in the same telephone call. This is in Charvart v NMC llC: http://www.sixthcircuitappellateblog.com/uncategorized/sixth-cir...

Therefore, if you get a pre-recorded call that fails to provide the name/entity for which the calls are being made, or the phone number or address of the entity which the calls are being made on behalf of, fails to honor a DNC request or fails to have a DNC list, you have one category of violations which can run $500 to $1500 per call. If you have a pre-recorded or automated call that is a second category of violations that can run $500 to 1500 per call.

Now, I know some have said they have trouble identifying the other party, so you can feign interest and gather some identifying information that way. Alternatively, I've found that a large number of the calls I get a least, come from one source: peerless networks. Apparently they provide telemarketing services for many companies, and they are frequently violating the law. So I do a reverse search on whitepages.com, which takes like 5 seconds, identify the service provider, and then subpoena the information most likely from Peerless networks, which apparently gets quite a lot of requests for this information as they state the different categories of information available and how to request it. Key thing is that they can provide ALL subscribers that have called a certain telephone number, so perhaps if you missed one or two companies in the last 4 years, this company will most likely have a complete set of records for just the calls from subscribers to you. They can also provide the subscriber contact information.

http://www.peerlessnetwork.com/contact-us/law-enforcement-and-su...

In summary:

Explicit in writing opt in is required.

Text message marketing is just stupid, but there are apparently a lot of stupid people in the world

Peerless networks likely has almost all the information you need to carry a lawsuit.

you can recover somewhere between 1k and 3k per call

Parent/beneficiary companies are vicariously liable and there are a lot of stupid/lazy marketing departments in the world

Many of these companies leave robocall voicemails, which is just stupid as well.

You are a private attorney general, because congress said so



Discussion Deals
Free Kindle Book- How to Draw Cool Stuff
Added on : Sunday May 25th 2014 08:00:09 AM
g: 0 Posted By: remick
Views: 67 Replies: 0 http://www.amazon.com/Draw-Cool-Stuff-Catherine-Holmes-ebook/dp/...

5.0 out of 5 stars (12 customer reviews)

How to Draw Cool Stuff shows simple step-by-step illustrations that make it easy for anyone to draw cool stuff with precision and confidence. These pages will guide you through the basic principles of illustration by concentrating on easy-to-learn shapes that build into complex drawings.

With the step-by-step guidelines provided, anything can become easy to draw. This book contains a series of fun, hands-on exercises that will help you see line, shape, space and other elements in everyday objects and turn them into detailed works of art in just a few simple steps.

The exercises in this book will help train your brain so you can visualize ordinary objects in a different manner, allowing you to see through the eyes of an artist.

From photorealistic faces to holiday themes and tattoo drawings, How to Draw Cool Stuff makes drawing easier than you would think and more fun than you ever imagined! Now is the time to learn how to draw the subjects and scenes you've always dreamt of drawing. How to Draw Cool Stuff is suitable for artists of any age benefiting everyone from teachers and students to self-learners and hobbyists.

How to Draw Cool Stuff will help you realize your artistic potential and expose you to the pure joy of drawing!
Totally Free Deals
Best Buy 20% deal Summersave20
Added on : Sunday May 25th 2014 05:00:06 AM
g: -1 Posted By: onetrak
Views: 316 Replies: 0 I found a link through Bestbuy's web site for a in store deal on small appliances code summersave20. It seems to have a few exclusions, but is going to save me a few smackers. enjoy!
http://images.bestbuy.com/BestBuy_US/en_US/images/abn/2014/app/p...
Electronics Deals

Best Buy Coupons
g: 1 Posted By: MrVietnam
Views: 864 Replies: 1 Freebies/MMs this week:

Bayer Pain Relievers (20 ct or larger), B1G1 50% Off
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
$1/1 Bayer Advanced Aspirin Product printable
$1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
$1.50/1 Bayer Aspirin Chewable Product, exp. 7/31/14 (SS 05/04/14 #2)
$1/1 Bayer Aspirin Product, exp. 6/16/14 (SS 03/16/14)
$1/1 Bayer Aspirin Product, exp. 7/31/14 (RP 04/27/14 R)
$1/1 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$2/2 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$3/3 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
Suggested Scenario:

Buy (4) Bayer Aspirin (32 ct.), B1G1 50% off $3.29 ($9.88)
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
Use (4) $1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
Better than FREE ($4.12 MM actually) after coupons and +UP Reward!

$1 +UP wyb (4) Hershey's, Reese's, Mars or Nestle Fun or Snack Size 6pk., 4/$5 (Limit 4)
*$1.39 each wyb (1)
$1/2 Hershey's Milk Chocolate or Reese's Peanut Butter Cups, exp. 6/14/14 (RA Video Values, May)
STACK WITH
$1/2 Hershey's Milk Chocolate Bar Multipack printable
Final Price: 4 FREE


there are a few additional good deals worth mentioning, including:

Pearson Nips (4 oz.), 2/$2
Get $1 +UP Reward wyb 2 (Limit 4)
$0.50 each after +UP Reward!

Mentos Tube Gum (15 ct.), 3/$3
Get $1 +UP Reward wyb 3 (Limit 4)
$0.67 each after +UP Reward!
Health & Beauty Deals
Target/Microsoft Game Trade in Make $78 in Target Credit
Added on : Saturday May 24th 2014 12:00:03 PM
g: 0 Posted By: resin
Views: 356 Replies: 5 This is a combo of a couple of different deals, requires B&M Microsoft store and B&M Target to complete.

Head over to the physical Microsoft Store, pick up the following games. My local 'store' was a kiosk in the mall.
Xbox One - Assassins Creed IV
Xbox One - Madden NFL 25
Xbox One - Titanfall

The first 2 games are on sale for $29.99 each, and you should be able to get Titanfall for free when you buy two games ( receipt attached ). Open the games up, and then take them over to your friendly Target store where they have a 300% trade-in value promotion that ends today you should net. You'll need to make your way to the electronics department and find the black-shirt employee that generally deals with phones.

You can see more details about the trade-in program here:
http://www.targettradeinprogram.com/

Titanfall - $46.35
Madden - $45.27
Assassin's Creed - $46.35

For a total of $137.97, minus the 59.97 investment you should make $78 for a few minutes of your time.


Video Games Deals

Microsoft Store Coupons
g: 0 Posted By: jskins
Views: 121 Replies: 0 Under Armour UA Catalyst Men's Short Sleeve Tee (Multiple Colors Available)- $15.99 with Free Shipping at 6PM.

Note: A few of the colors are $1 more.

Sizes:SM, MD, LG, XL, 2XL
HeatGear technology pulls perspiration away from the skin and pushes it towards the surface for rapid evaporation
Armour Block antimicrobial treatment neutralizes odor
Antimicrobial treatment
UPF 50+ fabrication
Four-way stretch
Classic crew neckline
Raglan sleeves
Loose fit
Straight hemline


Selling for around $30 online according to Google Shopping.
Clothing Deals

6PM Coupons
Is Tmobile financially any better
Added on : Saturday May 24th 2014 07:00:08 AM
g: -4 Posted By: austintx
Views: 133 Replies: 4 With T-Mobile starting to charge for every small thing and nickel and diming us.. Is it any better to stay/ go to TMo?
Phone - Full Price
Sim Card Kit - $10

No Corporate discount

On the flip side - free international texting, free 1GB data, wifi calling are the few good "remaining" options.
If I buy a unlocked phone - not all phones can get I buy from outside I can get the wifi calling option which is the TMo Android update.

If one needs to have a family plan with 3 or 4 phones and need to buy all these phones at full price -- I dont see it any beneficial to go with TMo.

Not to mention that the coverage is still sketchy even in US.

Thoughts are welcome.
Question Deals
g: 1 Posted By: MrVietnam
Views: 824 Replies: 1 Freebies/MMs this week:
(Looks like a pretty slow week, besides the BAYER MM)

Bayer Pain Relievers (20 ct or larger), B1G1 50% Off
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
$1/1 Bayer Advanced Aspirin Product printable
$1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
$1.50/1 Bayer Aspirin Chewable Product, exp. 7/31/14 (SS 05/04/14 #2)
$1/1 Bayer Aspirin Product, exp. 6/16/14 (SS 03/16/14)
$1/1 Bayer Aspirin Product, exp. 7/31/14 (RP 04/27/14 R)
$1/1 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$2/2 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$3/3 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
Suggested Scenario:

Buy (4) Bayer Aspirin (32 ct.), B1G1 50% off $3.29 ($9.88)
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
Use (4) $1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
Better than FREE ($4.12 MM actually) after coupons and +UP Reward!

Plus, there are a few additional good deals worth mentioning, including:

Pearson Nips (4 oz.), 2/$2
Get $1 +UP Reward wyb 2 (Limit 4)
$0.50 each after +UP Reward!

Mentos Tube Gum (15 ct.), 3/$3
Get $1 +UP Reward wyb 3 (Limit 4)
$0.67 each after +UP Reward!
Health & Beauty Deals
Rite Aid 5/25 - 5/31 (MM Bayer Aspirin)
Added on : Saturday May 24th 2014 02:00:04 AM
g: 1 Posted By: MrVietnam
Views: 814 Replies: 0 Freebies/MMs this week:

Bayer Pain Relievers (20 ct or larger), B1G1 50% Off
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
$1/1 Bayer Advanced Aspirin Product printable
$1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
$1.50/1 Bayer Aspirin Chewable Product, exp. 7/31/14 (SS 05/04/14 #2)
$1/1 Bayer Aspirin Product, exp. 6/16/14 (SS 03/16/14)
$1/1 Bayer Aspirin Product, exp. 7/31/14 (RP 04/27/14 R)
$1/1 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$2/2 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$3/3 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
Suggested Scenario:

Buy (4) Bayer Aspirin (32 ct.), B1G1 50% off $3.29 ($9.88)
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
Use (4) $1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
Better than FREE after coupons and +UP Reward!

Plus, there are a few additional good deals worth mentioning, including:

Pearson Nips (4 oz.), 2/$2
Get $1 +UP Reward wyb 2 (Limit 4)
$0.50 each after +UP Reward!

Mentos Tube Gum (15 ct.), 3/$3
Get $1 +UP Reward wyb 3 (Limit 4)
$0.67 each after +UP Reward!
Health & Beauty Deals
Time to look for a new job?
Added on : Friday May 23rd 2014 04:00:09 PM
g: 0 Posted By: greenman6727
Views: 157 Replies: 3 Here is the situation - been with the company for more than 11 years, few years ago our division was sold to a new company. During annual review this year, I brought up fact that my salary is below median (about 25 percentile) based on payscale.com. Boss promised to look into it. Few months later, he came back saying HR/big bosses are not letting him increase the salary, but they are giving me a bonus of 5K, half payable on 9/1 and the other half 12/31. Here is the kicker - the bonus is tied to the objective of training another team member (which was already in my this year's list of objectives). I feel like it is time to look for a new job. My expertise is in demand and I should be able to find a job, at least with the same salary that I make now- but am weary of a change after 11 years with the same company and having to start afresh. But may be it is time? Any advice?
New User Question Deals
Sony PS Move Accessories Kmart Clearance YMMV
Added on : Friday May 23rd 2014 12:00:02 PM
g: 0 Posted By: DarthWoo
Views: 164 Replies: 0 This is a couple days old, but I guess not a lot of people were really looking for PS Move stuff, so there's probably still a lot left. My local Kmart and some nearby ones in southeast PA had PS Move Motion Controllers for $10 and Navigation Controllers for $6. They had apparently had the starter kits (with the Eye, Motion Controller and game) for $20ish a few weeks ago, but there weren't any of those left. Might be something to look for if you still use yours and wanted some extra controllers.
Video Games Deals

Kmart.com Coupons
Apple MacBook Pro Sale @ Best Buy minus $150 Student Coupon
Added on : Friday May 23rd 2014 09:00:04 AM
g: 2 Posted By: aaron2yang
Views: 166 Replies: 1 Link

**Don't forget FatWallet Cash Back!**
**Free shipping or store pickup**

Few Examples:

MacBook Pro i5, 13.3" 4GB Memory, 500GB Hard Drive: $1139.99 - $150 (Student Coupon) + Tax

MacBook Pro i5 13.3" with Retina 4GB Memory, 128GB Flash Storage: $1234.99 - $150 (Student Coupon) + Tax

MacBook Pro i5 15.4" with Retina 8GB Memory, 256GB Flash Storage: $1899.99 - $150 (Student Coupon) + Tax

There are two ways to get Student coupons: #1. Sign up at Best Buy if you have an edu email accountLink.#2 If you don't have an edu email account, just buy it on eBay.


Macbooks Deals

Best Buy Coupons
3M Fuel System Tune-Up Kit - $1.24 AC AR and S S FS @ Amazon
Added on : Friday May 23rd 2014 01:00:02 AM
g: 0 Posted By: Xenocrates
Views: 219 Replies: 2 3M Fuel System Tune-Up Kit- $1.24 AC AR and S & SFS@ Amazon

$24.99 - $10 Clip Coupon - $10 Rebate- %15 Subscribe and Save = $1.24

1. Clip the coupon under the price area.
2. Choose the Subscribe and Save option to get 15% off and free shipping.
3. Print out the rebate to send in when you receive the product.

What's in the Box

1 - 8.75 oz. canister of 3M Intake System Cleaner
1 - 4 oz. canister of 3M Throttle Plate and Carb Cleaner
1 - 16 fluid oz. bottle of 3M Complete Fuel System Cleaner

Key Features

Helps to restore power and save on gas mileage by cleaning air intake and fuel systems
Easy, quick three-step procedure is even more simple to perform than an oil change
Requires only a few common hand-tools and safety items

This has 4.1 / 5 stars with 241 customer ratings on the product page.

This is more then $10 cheaper then the last time there was a deal on this set.
Tools & Automotive Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 Amazon Certified Refurbished

Specifications:
Display:8.9" 10 point capacitive touch high definition color display; 1920x1200 resolution at 254 ppi, video playback up to 1080p, with IPS (in-plane switching) technology, advanced polarizing filter, and anti-glare technology
Storage:Your Choice:
32GB (27.1GB available to user) of internal storage
or
64GB (55.7GB available to user) of internal storage
Battery Life:Over 10 hours of reading, surfing the web on Wi-Fi, watching video, or listening to music. Battery life will vary based on device settings, usage, and other factors such as web browsing and downloading content. Actual results may vary
Charge Time:Fully charges in under 5 hours via the Kindle PowerFast charging accessory, or slightly longer with other micro-USB power adapters that you may already have. Charges in under 14 hours from your computer via the included USB charging cable (AC Adapter sold separately)
Wi-Fi Connectivity:Dual-band, dual-antenna Wi-Fi (MIMO) for faster streaming and fewer dropped connections than standard Wi-Fi. Supports public and private Wi-Fi networks or hotspots that use the 802.11a, 802.11b, 802.11g, or 802.11n standard with support for WEP, WPA and WPA2 security using password authentication; does not support connecting to ad-hoc (or peer-to-peer) Wi-Fi networks
4G Connectivity:4G LTE 10 band wireless modem with HSPA+, HSDPA, and EDGE/GPRS fallback
Ports:USB 2.0 (micro-B connector) port for connection to a PC or Macintosh computer or to connect to the Kindle PowerFast charging accessory.
Micro-HDMI (micro-D connector) port for high definition video output to televisions or A/V receivers
Audio:3.5 mm stereo jack and integrated stereo speakers with exclusive Dolby audio engine
Content Formats Supported:Kindle (AZW), KF8, TXT, PDF, unprotected MOBI, PRC natively, Audible Enhanced format (AAX), DOC, DOCX, JPEG, GIF, PNG, BMP, Dolby Digital (AC-3), Dolby Digital Plus (E-AC-3), non-DRM AAC, MP3, MIDI, PCM/WAVE, OGG, WAV, MP4, AAC LC/LTP, HE-AACv1, HE-AACv2, AMR-NB, AMR-WB, HTML5, CSS3, MP4, 3GP, VP8(.webm)
Sensors:Ambient light sensor, accelerometer, gyroscope, digital compass
Location Services:Location-based services via Wi-Fi and assisted-GPS
Additional Features:External volume controls, front-facing HD camera, built-in microphone, built-in Bluetooth with support for A2DP compatible stereo headphones, headsets, and speakers
Accessibility Features:Voice Guide, Explore by Touch, Text-to-Speech, adjustable font sizes and color, built-in dictionary. Learn more
System Requirements:Kindle Fire HD 8.9" 4G is ready to use right out of the box - no setup, no software to install, no computer required to download content
Dimensions:9.4"(H) x 6.4"(W) x 0.35"(D)
Weight:20 oz


In the box:

Kindle Fire HD 8.9" 4G LTE Tablet - (Your Choice)
USB 2.0 Cable
Quick Start Guide

http://tech.woot.com/offers/kindle-fire-hd-8-9-4g-lte-tablet
g: 0 Posted By: Farfisa850
Views: 105 Replies: 0 http://www.musiciansfriend.com/accessories/musicians-gear-tubula...

Or get the 10 pack for $49.99

http://www.musiciansfriend.com/accessories/musicians-gear-tubula...

I got the ten back last year for $34.99 after a one time use coupon code. It came with 8 stands that were the same and two that hand slightly longer prongs. Used them for acoustics. I could actually use a few more stands now given the gear thats piling up... ha
Music Deals

Musician's Friend Coupons
Jamba Juice: BOGO Free Smoothie
Added on : Thursday May 22nd 2014 08:00:05 AM
g: 0 Posted By: SieSilverStars
Views: 206 Replies: 0 Jamba Juice is offering BOGO Free Smoothies when you present the printable coupon below.

Linky

Offer ends 05/26. Purchase any drink off the menu and receive another drink off the menu of equal or less value for free. Offer not valid at Downtown Disney, safeway, Vons, Pavilions, Airport and select University Jamba Juice locations.
Restaurants & Entertainment Deals
Free Lenox T-2 Blade
Added on : Thursday May 22nd 2014 06:00:10 AM
g: 0 Posted By: remick
Views: 71 Replies: 0 http://www.oneblade.com/#!/trial-blade

You should probable use a different email if you have already done this. I always say that I am a professional and use them at work on a regular basis. You will receive a confirmation email for a survey which I believe you must complete

Thank you for requesting a Lenox T2 Reciprocating Saw blade. While that request is processing at our warehouse, wed like to ask you a few more questions so we can understand more about your tool usage. At Lenox, we are driven to design and manufacture tools to help make cutting easier. Please take a minute to fill out this quick survey.

Your recent blade request is still processing and should ship out in 4-6 weeks.

Totally Free Deals
g: 0 Posted By: Ilovebargains
Views: 174 Replies: 0 For anyone who happens to be in the area today is the last day for the Vanity store in the Markland Mall in Kokomo, Indiana. Everything is 70% off the lowest marked price. As of last night they had a lot of jeans and tops and a few dresses and shoes. Hope someone can take advantage of the deals.
Vanity Deals
17oz Bottle Safeway Refreshe coupon (mailed to you) FB
Added on : Wednesday May 21st 2014 07:00:04 PM
g: 0 Posted By: TAZ420
Views: 81 Replies: 0 https://www.facebook.com/Safeway?sk=app_1448644158709954
Get a FREE 17 oz. bottle of refreshe ICE! This new sparkling beverage has zero calories, real fruit juice and vitamins.
Totally Free Deals
g: 0 Posted By: jskins
Views: 100 Replies: 0 500GB Sony PlayStation 4 Console w/ MLB 14: The Show- $399.99 + $60 Back in Rakuten Super Points w/ Code MDAY15 + Free Shipping at Rakuten.

New DUALSHOCK Controller
Gamers can share their epic triumphs by hitting the "SHARE button" on the controller, scan through the last few minutes of gameplay, tag it and return to the gamethe video uploads as the gamer plays.
Headset Included
Instantly connect with friends using the mono headset included with every PS4


"MLB 14 The Show makes its next-gen debut on the PS4 system, utilizing the system's vast resources to deliver exceptionally detailed and fluid gameplay. With improvements to presentation, a wealth of added animations, and a dramatic increase in environment and player detail, we are setting out to create the best-looking and best-playing baseball sim ever created."
PS4 Consoles Deals

Rakuten.com Shopping Coupons
Sierra Trading Post: 40% Off Sitewide *Today Only*
Added on : Wednesday May 21st 2014 10:00:03 AM
g: 0 Posted By: SieSilverStars
Views: 380 Replies: 0 Today Only, Sierra Trading Post is offering 40% off sitewide.

Linky

Use coupon code "SAFWD5414" during checkout for the discounted price.

Excludes clearance items, Men's Gore-Tex Products and a select few more.

Shipping stars at $5.95

Pictured: ALPS Mountaineering Lynx 2-Person Tent - $97.92 after coupon
Sports & Outdoors Deals

Sierra Trading Post Coupons
g: 0 Posted By: DaysFan
Views: 64 Replies: 0 SoCalif Free Event Memorial Weekend Valley Greek Festival in Northridge, CaValley Greek Festival in Northridge, CaliforniaSaturday through Monday, May 24-26, 2014The San Fernando Valley's annual Greek Festival is taking place on Saturday through Monday, May 24-26, 2014 at Saint Nicholas Greek Orthodox Church. The festival evokes the sights, sounds and tastes that define the traditional Greek way of life. Enjoy the hospitality of the Valley's Greek community, and experience the simple pleasures of life in a Greek village.Dozens of volunteers enthusiastically staff their booths, creating a convivial, welcoming atmosphere. Festival-goers will not want to miss the delicious Greek food. Delectable festival favorites like gyros and moussaka. And no Greek village would be complete without homemade pastries from Yia Yia's traditional recipes: baklava, melomakarona, and kataifi are just a few of the sweet treats to delight you.Listen to the distinctive sounds of the bouzouki and other exotic instruments played by authentic Greek musicians who perform traditional and popular songs. Delight in the beauty of the elaborate costumes worn by performers as they share their carefully practiced steps and intricate dances with the enthusiastic audience.Enjoy participating in the same dances you would perform in the traditional villages of Greece. Dance the afternoon away, eat delicious Greek food, shop in the Greek marketplace, relax and enjoy yourself under the trees in the warm embrace of the best Greek culture has to offer.Learn more about our church by taking a church tour.So maybe you can't make it all the way to Greece this year. The Valley Greek Festival is the next best thing to being there!http://valleygreekfestival.com/images/vgf_greek_festival_2014_650px_180px.jpghttp://valleygreekfestival.com/images/vgf_cares_food_pantry_650px_225px.pnghttp://valleygreekfestival.com/about/
Memberships & Services Deals
YMMV Levis In Store Clearance -- Jeans $15 or less
Added on : Wednesday May 21st 2014 09:00:05 AM
g: 0 Posted By: ebrooksbay
Views: 181 Replies: 1 I know this is YMMV, but it seems like maybe it is clearance season for Levis


I scan their clearance half a dozen times a year when I happen to walk by the store, and I just snagged 10 pairs of jeans for ~$15 each. Tons of styles all priced $24.90 and below--and my store had an additional 40% off clearance on top of that. Usually I can only find one or two pairs in my size and usually they are the more unusual colors. Today I found 10 pairs in about 8 styles and only one of the pairs rang up at more than $15 after the 40% despite some of them still having higher prices on the tags.

Anyway, I thought this might help someone out--I'm set for a few years now! Good luck!

I was at the Santa Barbara, CA store.
Clothing Deals

Levi's Coupons
Sears Coupon: Additional 25% Off Womens Kids Shoes
Added on : Wednesday May 21st 2014 09:00:04 AM
g: 0 Posted By: ShoppingChick
Views: 130 Replies: 0 Sears has an Additional 25% Off Womens & Kids Shoes with coupon code SHOE25 and get free in-store pickup.

A few notables:

Covington Women's Sandal Hera - $12.74
Joe Boxer Girl's Ava Cream Crochet Slip-On Casual Shoe - $8.24
Route 66 Baby/Toddler Boy's Bennett Brown/Red Sports Sandals - $9.74




Shoes Deals

Sears Coupons
g: 0 Posted By: sniperruff
Views: 25 Replies: 2 Looking to purchase my first home. I understand thefundamentals of home financingas I've read up the basics of mortgages over the past few weeks.

Background: I have a job in finance with decent pay but the whole industry is unstable and everyone is "fired at will" - there is no heads up, or guaranteed severance. I don't think I will be permanently unemployed if I lose my job but there could be employment gaps. Therefore, I am looking for some protection for the worst case scenario.

The house I'm planning to purchase will be about $500k. The house is in an area in NYC with good rental activity, and I project to generate at least $3,000 a month in rental income (2 units, before expenses). Therefore I should only have to pay for water and other smaller expenses. This is a new building that qualifies for property taxes abatement for about 10 years (I think) so taxes will be minimal.

I've saved up enough for 20% down, closing costs (~$30,000), and about 22 months of mortgage payments for 30-year fixed @ 4% (or 16 months for 15-year fixed @ 3.25%). Monthly payments (assume 20% down, so $400,000 mortgage) are as follows:

30-year fixed @ 4% = $1,900/month ($287,500 total interest paid over life of loan)
15-year fixed @ 3.25% = $2,800/month ($105,000 total interest paid over life of loan)

A 15-year fixed mortgage certainly saves me a lot of interest expenses, but I also don't want to be wiped out should I become unemployed for an extended period of time. My friend suggested me to go with a 30-year fixed, then prepaid whenever possible to lower my interest payment. Assume the best case scenario if I prepaid $900 monthly, then this happens:

30-year fixed @ 4% = $1,900/month + $900 prepaid ($151,000 total interest paid over life of loan)

In a nut shell, I would pay about $50,000 for an "insurance" that could let me fall back onto a 30-year mortgage with $1,900 monthly payment, which my projected rental income should cover along with other house-related expenses.

Here are a few questions:
- Is such an insurance worth it? I know it's obviously subjective, but a $50,000 insurance sounds like a lot.
- What about refinancing as a form of insurance? What if I go ahead with a 15-year fixed and then refinance (although interest rates would most likely have gone up) should I need to?
- Is this commonly done? Any potential hurdles?
- I read that the approximate cost of refinancing is 2-6% of the total mortgage. Assuming I fall onto hard times in 5 years (by then I'll have $286,000 principal left on the mortgage), does that mean it'd cost about $15,000 to refinance (assuming 5% refinance cost)? Any other associated costs?

Sorry for the long write up and thanks for any tips

TL;DR: is refinancing a cost-effective way to lower monthly mortgage payments?
Personal Finance Deals
g: -1 Posted By: bittul
Views: 118 Replies: 0 http://www.drugstore.com/brut-antiperspirant-deodorant-black-ice/qxp517921?catid=183888

http://www.drugstore.com/brut-antiperspirant-deodorant-blue-wave/qxp517922?catid=183888

Click both coupon checkboxes.
$2.49 * 2 = $4.98
-$1
-$2
= $1.98

*EDIT* Make that 2 for $1.69 with the 15% off I'm going to post in a few minutes. (valid through 5/22)
Health & Beauty Deals

drugstore.com Coupons
need advice: Amazon seller experience gone bad
Added on : Tuesday May 20th 2014 07:00:08 PM
g: -1 Posted By: flap
Views: 25 Replies: 0 My fellow citizens of FW, I need *helpful* advice on how to handle a situation selling an item through Amazon. Here's the situation:

1. I sold a brand new, factory sealed electronic item through my Amazon.com seller account. Item was shipped to buyer (trackable shipping) and received by buyer.
2. Buyer contacted me via Amazon email requesting to return the item because he changed his mind. This reason is logged in Amazon emails ("no longer want/need" is the exact wording).
3. I replied to buyer saying that is not an acceptable reason to return and that he needed to keep the item & pay for it.
4. Buyer disputed this with Amazon.
5. Amazon sent me an email about the dispute (without any reason in the email why they supported the buyer's back-out) and flagged a notification in my Amazon.com seller account. In the email, Amazon stated that I had 7 days to reply.
6. (Unfortunately for me, since I was not expecting any emails from Amazon, I was not checking my email associated with my seller account nor was I logging in to my seller account.)
7. Seven days passed and Amazon refunded the buyer the full amount, taking the funds from my seller account.
8. A couple of weeks passed and I finally happened to check my seller email and found out that #4 - #7 above happened.
9. I emailed Amazon and the buyer, independently, about the incident and requested either repayment or that the buyer send the item back to me.
10. Amazon took a hard-line stance saying that since I didn't respond in the 7-day window that the case was closed and there was nothing they would do to rectify the situation.
11. I sent an escalation email to Amazon and a 'Chris S' replied saying the case was closed, no possible recourse.
11. The buyer does not respond to me and in fact complained to Amazon that I was sending 'inappropriate' emails to him (fact is there was nothing inappropriate. I said that if he didn't return the item or pay for it that I considered it theft and would pursue it as such).

I'm incredibly disappointed/furious with Amazon on this. They refuse to assist me or provide any avenue for resolution even though I would think this behavior falls into unlawful territory. I don't believe I did anything wrong in this (am I'm being blind!?) and feel that I'm the victim of theft. The item was worth a few hundred dollars. Now I am out the *item* and the *money*. I do have some lawyer acquaintances who I can bring into this if needed. I also know where the buyer lives (in CA), his profession (realtor), and his phone.

Fellow FW friends, what should I do ? (walking away from this, eating the few hundred dollars and chalking it up to life's lessons isn't the FW way )

Question Deals
Easy Short Cut to Starwood SPG Platinum Elite Status
Added on : Tuesday May 20th 2014 06:00:04 PM
g: 0 Posted By: herzog
Views: 153 Replies: 0 copied from therewardboss.com

Want a short cut to get Starwood Platinum Status?
It takes 25 stays or 50 nights to earn Starwood SPG Platinum Status, which I think is the most rewarding Hotel status. This is not easy for the average person to attain but here is a short cut:

If you link a Starwood Amex credit card to your SPG account, you get 2 stays / 5 nights credit towards elite status and if you have both the personal and the business card you will get double that: 4 stays / 10 nights. Thats supposed to be the maximum allowed, but if you add a few more cards, you will get 2 stays / 5 nights for each card, so it is possible to earn Platinum status with just a few stays if you link a bunch of cards linked to your account.

Testing it out
Ive been testing out to be sure it works. I had both the business and personal cards so I expected to be credited 4 stays / 10 nights as they did last year. Instead I noticed there were way more stays/nights in my account 8 stays / 20 nights and that was because I had 4 accounts linked (my two plus two family members). As another test, I had another family member put my SPG # on their account and sure enough, I received another 2 stay / 5 nights shortly after. Im not sure what the maximum is here, but Im now 10 stays / 25 nights closer to Platinum half way if I qualify by nights. A friend has confirmed the same results and it seems it works if you link your friends accounts. In prior years I had more than 2 cards linked and it always maxed me out at 4 stays / 10 nights.

Will it last?
Im not sure. If its a bug and they fix it I will need more nights to requalify for Platinum again this year.



How To Sign Up
American Express is currently offering 25,000 SPG points to sign up which is pretty good (they do offer 30k -[click link to see previous offer] sometimes, but who knows when it will happen again). I dont get any commission if you sign up here are 3 ways to sign up.

1) Direct Links to Sign up:

SPG Amex Business credit card: 25k Bonus after spending $5k in 6 months, $65 annual fee waived first year
SPG Amex Personal credit card: 25k Bonus after spending $5k in 6 months, $65 annual fee waived first year

2) If you want to support me, I can refer you and I will get 5k points. I know its a bit more work (I do appreciate it) but will understand if you prefer the easier method #1 or #3. Email me your first/last name, email address (click here to send me an email), and if you want the business or personal card. You can also refer yourself or a family member for an additional card by clicking here and get the 5k referral point bonus yourself.

3) If you want to support your favorite blogger, apply for a card using one of their links. Heres a couple to check out ViewFromTheWing, OneMileAtATime, MommyPoints, MightyTravels (it seems none of them are getting any commission at this time).


It will help you re-qualify if you are short a few nights
If you think you may fall short of re-qualifying for Platinum this year or if you would like to attain Platinum status, signing up for these cards will help. Unless you are currently working towards a minimum spend requirement to get a sign up bonus, this is my favorite card to use to because the SPG points are very valuable.



Are you I eligible for the sign up bonus if I had the card in the past?
Not too long ago, there were many posts stating that American Express will no longer allow repeat bonuses. That means you can only get one bonus per card per person per lifetime for new accounts starting May 1, 2014. See the posts here: FrequentMiler, Milepoint, and Flyertalk, beginning May 1, 2014. As far as I can tell, the terms and conditions on the application doesnt include this language and say you are not eligible if you had the card in the past 12 months. To me that means the new rules have not gone into effect.

How to get more stays towards elite status
Dont forget that award stays also count towards elite cre