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Amazon: 25% off Quaker Chewy Granola Bar Boxes (6-pk.)
Added on : Thursday April 17th 2014 07:00:03 AM
g: 2 Posted By: ShoppingChick
Views: 394 Replies: 2 Amazon has 20% off "Clip Coupon" forQuaker Chewy Granola Bar Boxes (6-pk.)plus 5% off with Subscribe & Save and free shipping.

A few notables:

Quaker 8-ct. Chewy Granola Chocolate Chip Bars (6-pk.)- $14.64 - 5% off S&S - 20% "Clip Coupon" =$10.98
Quaker 8-ct. Chewy GranolaVariety Pack (6-pk.)-$14.64 - 5% off S&S - 20% "Clip Coupon" =$10.98

Grocery Deals

Amazon Coupons
Most efficient use of AAdvantage miles for LAX gt; Lima gt; Cuzco
Added on : Thursday April 17th 2014 06:02:02 AM
g: 0 Posted By: tree100
Views: 33 Replies: 0 I am planning a trip to Machu Picchu in August (8/16 - 8/24). I am hoping to spend afew days in Lima on the outbound or return (return most likely). I hope I am correct in a few assumptions:
1) I can use AAdvantage miles to book an award flight ononeworld partnerLAN Chile or LAN Peru.
2) Using this awards chart (30K points oneway, business class)is stillvalid even after the AAdvantage redemption changes earlier this month.

My question comes in how to book the return trip if I want to spend a few days in Lima. Is there a way to do another one-way award redemption from Cuzco > Lima > LAX with a stopover in Lima? Or is my best bet just to book a cheap one-way directly with LAN from Cuzco > Lima and then an award flight from Lima > LAX? There is also a train from Cuzco > Lima (I believe) that might be cheaper than a flight - anyone have experience with this? Is it worth it to pay for the flight? Or is it a good experience to take the train?

Thanks for your input!
Air Travel Deals
USAA insurance policy
Added on : Thursday April 17th 2014 06:00:08 AM
g: 0 Posted By: HawkeyeNFO
Views: 99 Replies: 1 Been with them for many many years, and have never received a call to "review your policy" until yesterday. Have they changed how they do business? I haven't bought a new car or house in the past few months, so this seems to me like some kind of scam or attempt at fraud. Anyone seen something similar?
Question Deals
Amazon: 20% off Quaker Chewy Granola Bar Boxes (6-pk.)
Added on : Thursday April 17th 2014 06:00:02 AM
g: 0 Posted By: ShoppingChick
Views: 32 Replies: 0 Amazon has 20% off "Clip Coupon" forQuaker Chewy Granola Bar Boxes (6-pk.)plus 5% off with Subscribe & Save and free shipping.

A few notables:

Quaker 8-ct. Chewy Granola Chocolate Chip Bars (6-pk.) - $14.64 - 5% off S&S - 20% "Clip Coupon" =$10.98
Quaker 8-ct. Chewy GranolaVariety Pack (6-pk.) -$14.64 - 5% off S&S - 20% "Clip Coupon" =$10.98
g: 0 Posted By: remick
Views: 128 Replies: 0 http://www.amazon.com/gp/product/B00DBLCVD4

4.6 out of 5 stars (14 customer reviews)

What people are saying about The Distracted Yogi...

*'I suspected that the book may make for tough reading on a emotional level, and I was right. I only got to page 9 before I had to pause due to the tears streaming down my face." & 'I will be passing on the book to my wife as I really cannot think of a better way to help describe what is going on inside my head."
Roy Whyte, Media! News Magazine
&

*"Eleven years later, Desgagne is not the same person, but she is living proof that there is a way back from hopelessness and despair, that recovery from a brain injury is possible." Katherine Mortimer, Vernon Morning Star.

This is the True Story of Trauma-to Drama-to Transformation! In the time it takes to Inhale One Breath, Michelle's life was changed forever. A cycling accident became the Demarcation Point-of-no-Return for her in the Spring of 2002. Join her in this inspired journey of self-discovery & perhaps you will learn more than a few things about your own intolerance's to not just Trauma but to those Darker Edges of Self which we all harbor inside. Michelle makes no apologies for lifestyle or philosophy, instead she offers her Story that is Raw but Real and will challenge your definitions of Resilience & Recovery.




Books & Magazines Deals

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

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

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

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

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

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

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

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

Has anyone else here considered early retirement? Or considered why it wouldn't be feasible for themselves?
Discussion Deals
Question on rent vs. buy
Added on : Wednesday April 16th 2014 04:00:10 PM
g: 0 Posted By: elektroshok
Views: 123 Replies: 4 Hello everyone -

I'm new here but had a quick question.

I just graduated medical school and will be renting in a city for a year before moving to a different city for at least four years (possibly 5 if I do my fellowship there).

My gross pay for those four years will start at 56k and go up around 3k each year.

My question is basically whether to rent or buy for those four years.
I have already been looking a little bit at condos for sale within 2 miles of the medical complex and there are a few for around 100k which is what I would be looking to get.

My plan if buying would obviously be live there while I'm working and then if/when I move rent it out to new incoming residents that will be training at the medical center. The proximity of the property to the medical center is what is very appealing to me (and thus my thought of renting to future residents if i leave).

Any advice or other things to consider is greatly appreciated.

Thanks.
Personal Finance Deals
Canari Foundation Shell Bike Jacket - Women's $65 NOW $28.73 @ REI.com
Added on : Wednesday April 16th 2014 04:00:07 PM
g: 0 Posted By: pjordand
Views: 93 Replies: 0 http://www.rei.com/product/853642/canari-foundation-shell-bike-j...

Zip up the collar, keep the chilly wind and weather at bay and show your support for breast cancer research in the lightweight Canari Foundation women's bike jacket.

Canari is donating part of the proceeds from the purchase of this bike jacket to the Susan G. Komen foundation to help with breast cancer research
Tightly woven polyester WINDSHEAR micro fabric is highly wind resistant, water repellent and supple, creating a quiet and comfortable shell
Full front zipper with draft flap blocks out the elements and allows for quick ventilation
Rear droptail hem hugs bottom to ensure protection in the riding position
Raglan sleeves offer nonbinding, seamless comfort at the shoulders
Zippered handwarmer pockets and rear zippered pocket stash a few essentials
Keep the elements out with elasticized cuffs that stay securely in place and adjust with rip-and-stick? closure tabs
Closeout

Clothing Deals

REI Coupons
Best Strategy to pay future wife's student loan debt
Added on : Wednesday April 16th 2014 03:00:06 PM
g: 0 Posted By: sullim4
Views: 63 Replies: 1 Basic situation:

Me:
Age 29
2013 AGI: $165k (software engineer)
Only debt is a 15 yr fixed mortgage @ 2.875%, 231k remaining balance, 14 yrs left
$40k in company stock, dividends are roughly 3% per year
$65k in liquid savings
$162k in 401(k) (78% or so is Roth)

Her:
Age 27
2013 AGI: $58k (civil engineer)
Student Loan Debt: $6k private loan @ 6.5%; $22k consolidated sub Stafford @ 6.1%; $26kconsolidatedunsub Stafford @ 6.1%; $12k Perkins @ 2.8%; $3k Perkins @ 2.5%; $7k parent PLUS loan that dad is responsible for, but she's paying on @ 5%. She is on IBR right now.
$10k in liquid savings
No other debt
$10k in 401(k) (0% is Roth)

We are getting married at the end of May. We will be combining finances at that time; due to mutual religious beliefs we currently live separately. Her parents didn't help her out at all with her education and so she's saddled with a ton of student loan debt. I want to figure out the best way to pay down this debt and I have a few ideas that I'm throwing around, and would like advice on what the best strategy might be. When we marry, obviously the student loan deduction goes out the window (she's currently taking the full $2500 per year). We plan on lopping $10k off of the loans via her liquid savings once we get married.

Option 1:
Live off my salary, and use her salary to exclusively pay off the loans in order of highest to lowestinterest rate. This would amount to payments around $3200 per month, and by my calculations, would pay off the loans in a little over 2 years. The con to this one is that I'd like to max out her 401(k), her company match is 15% of all contribution... andfollowing thisoptionwould take a big chunk out of what we could put towards loans.

Option 2:
Combination of selling stock and taking money out of savings, pay off loans now, and simply pay my savings back over a 2-3 year period. This puts our liquid cash fairly low and I'd rather hold onto the money, but that is hard to justify given the paltry interest rates I'm earning and what the loans cost to hold.

Option 3:
Take out a loan against my 401(k) to pay off her loans, and then pay it back with interest, probably throwing more than the minimum at it. I think the market is headed down this year, so I might be sheltering my money against a correction by doing this. I feel secure in my job, so I don't think it is likely that I will need to pay the balance immediately in the case of a layoff.

Option 4:
Jump on some 0% APR bandwagons, balance transfer the student loans over to the cards, pay off remaining balances with stock/savings, and pay cards off by the time the 0% expires. The con here seems to be BT fees, though the Chase Slate seems like an appealing option here.

Any other thoughts?
Personal Finance Deals
Simple IRA transfer to Roth IRA? - leaving job
Added on : Wednesday April 16th 2014 02:00:05 PM
g: 0 Posted By: karinnc
Views: 99 Replies: 1 Hi everyone,
Young investor and have a question that I need guidance on. I currently have ~$10k in a Simple IRA with my current employer. I am leaving this job soon to go back to school to get my PhD. My question is this...can I easily transfer this to a Roth IRA and do you think that would be the best thing to do? Also, I am not happy with the current advisor (AXA). They have offered NO advice to me these past few years. My contributions have been $9506 since 2011 and there has been a gain of only $700. Is that normal in this market? I will definitely be going with a new company and hope to have an advisor that can actually educate me and assist me. When I met with the AXA advisor, he said they weren't legally able to give me advice on my account or what funds to purchase.
Investing Deals
g: 0 Posted By: brusbrother
Views: 187 Replies: 2 HP Compaq DC7800 Desktop PC Core 2 Duo 2.33GHz 2GB 160GB HDD Capacity Windows 7 Professional 64-Bit Refurbished. Free shipping.
Sale ends 4/16
I've gotten a few of these and they come with Win 7 Pro installation discs. Prices vary by about $10+/- over time.
There is room below the existing HD if you want to install a small boot ssd or an additional HD for storage.
Comes with keyboard and mouse.
Great for basic+ usage.
Mine were all clean and perfectly functional on receipt.
Only issue was I had to upgrade the video driver on the HP website to Win 7 as the one loaded was for Vista.
Link
Desktop Computer Deals

Newegg Coupons
g: 0 Posted By: remick
Views: 80 Replies: 0 http://www.amazon.com/gp/product/B00I7UEY3E

4.8 out of 5 stars (5 customer reviews)

There are many of games you could play, but you have chosen to play golf. Golf is a game of skill, patience, and perseverance. Hitting a perfect score like a pro can happen, but you need to know the strategies and techniques needed to do so. In this book, Harry D. Mitchell, gives you everything you need to know to drive and play like a pro! You will learn:
-Why your attitude REALLY matters
-The correct golf pose
-The different types of clubs
-The most effective grip position to drive the ball long
-How to sink a putt with fewer strokes
-Proper nutrition habits
-Why you should practice weaknesses and not your strengths


also

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

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

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

I'm not sure what to advise him. I find it strange that he already has (according to him at least), a few bank accounts (checking, saving, etc) with his mailbox address as his "home" address, he was somehow able to convince the DMV to put that address on his drivers license, and now this new bank won't give him an account. My uncle has always been a little nutty and suspect so I'm not 100% this is accurate but it seems reasonably legit from the questions I've asked him. What do you suggest I tell him?
Personal Finance Deals
g: 0 Posted By: invisible
Views: 41 Replies: 0 Flying to SFO (and returning from SFO) on Delta award tickets: onward journey is via LA (LAX), return via Atlanta,GA.
Question:Is it possible to get off at LAX during onward journey? Any danger of getting return tickets canceled?

Since we were planning to visit LA anyway by car during the long vacation stay in California, it makes sense to start at LA and drive up to SFO then fly back from SFO, rather than making round trip journey from SFO by car to LAX during California stay.

Best if we can just get off at LAX, then drive to SFO after a few days, then after few days make return flight from SFO -- Any danger of Delta canceling our return journey due to now show in one leg?

According to this, seems difficult to do:
http://boardingarea.com/viewfromthewing/2012/01/07/how-to-use-hi...

I had heard about this "Hidden City" but for us this is accidentally coming up after booking award travel: and wanted to know how best to deal.

Anyone done this recently to jump of a non-terminal leg of the journey and still make remainder legs? (2nd leg of 4 part return trip in our case, with 4 family members in our case. Will airline listen to some medical reason or otherwise if told frankly (before or at LAX)?

Can't afford to get the Award travel canceled and re-booking will now not work due to filled lowest mileage slots for those legs on those dates.
Air Travel Deals
home prices Dec Vs April
Added on : Monday April 14th 2014 06:00:14 AM
g: 0 Posted By: samandy
Views: 1 Replies: 0 I am in Northern VA area and looking for home. I noticed in same communities prices for sold homes are 30-35K less in Dec-Jan than now flisted or low 400s range.
Is that usual bcos of winter or pricex have gone really high in last 3-4 months?
Would it make sense to wait for few months? Homes are being sold pretty quickly though

Thanks for your input!
Should I buy this car
Added on : Sunday April 13th 2014 06:00:03 PM
g: 0 Posted By: sultansana
Views: 63 Replies: 1 =12pxHi there fellow FWs. This is my first time buying a car on my own (I moved to the US a few years back but now need a car for work purposes). I am looking to buy a used car and a co-worker is off-loading his Honda Accord Coupe V6 1998 model. Shitty exterior with paint scraped off at many places and dents on the right back bumper, but nice interior with cruise control, power windows and seats, sunroof and stereo. He had the axel and brakes changed 2 months ago and it was certified for this year last month. He says he has been on top of oil change and maintenance. I took it for a test drive and didn't hear any weird noises/knocking, it handled well and the I did not identify any gross engine problems. It has 150K miles on it. I am basically in need of a car which for 2 months I will be driving 75 miles/week (Cambridge to Burlington, MA) and after that less than 25miles/week. He is asking for 2K. I am looking for a car just to get me from point A to B and likely only need it for a year. I have never taken care of a car before in terms ofmaintenance etc and it is my first car in the US so I am trying to keep insurance costs low. Should I pull the trigger or scrape together a few K more and buy something a little newer? I am just worried about it breaking down on the interstate leaving me stranded.
Thank you for your opinions in advance,
Question Deals
Amazon Chase Visa App: I got $60. + $20 for Amazon In-Store Card
Added on : Sunday April 13th 2014 11:00:11 AM
g: 0 Posted By: beachfitrob
Views: 542 Replies: 4 About 5 minutes of work for $80 of gift cards instantly added to my account. The Chase card also already shows in my Chase account too. Both apps were single, simple web pages done in literally a few minutes each.

This is a YMMV. When I googled it to see the points you get for Amazon vs. other purchases etc. they offered $30. Still, that's $50 if you get offered both.

So pay attention when you are logged in on your Amazon account and browsing.

Props to me for self control: I haven't spent a dollar of it yet!

Advice: it will default one or the other to your payment method, so change it back unless you are ready to use it for such.

Sorry if this should go in the free or deal discussion section. The reason I'm posting is because I did the $20 and then got offered the $60. Back to back, maybe 10-15 mins between the 2. Quick $80.

Apps Deals

Amazon Coupons
Amazon Chase Visa App: I got $60. + $20 for Amazon In-Store Card
Added on : Sunday April 13th 2014 10:00:03 AM
g: 0 Posted By: beachfitrob
Views: 107 Replies: 1 About 5 minutes of work for $80 of gift cards instantly added to my account. The Chase card also already shows in my Chase account too. Both apps were single, simple web pages done in literally a few minutes each.

This is a YMMV. When I googled it to see the points you get for Amazon vs. other purchases etc. they offered $30. Still, that's $50 if you get offered both.

So pay attention when you are logged in on your Amazon account and browsing.

Props to me for self control: I haven't spent a dollar of it yet!

Advice: it will default one or the other to your payment method, so change it back unless you are ready to use it for such.

Sorry if this should go in the free or deal discussion section. The reason I'm posting is because I did the $20 and then got offered the $60. Back to back, maybe 10-15 mins between the 2. Quick $80.

Amazon Coupons
g: 0 Posted By: jackstone
Views: 92 Replies: 0 I am not certain if I will get red for this question but to me it is a rather difficult one to assess. Would appreciate your help on this and am happy to provide additional relevant info.

Getting a severance package from my current job (for a lump sum) and already have another one lined up, so not worried about job security for the present. A nice problem to have admittedly.

Quick disclosure, I already have 3 rental properties but they each have loans on them. The business model is working and I have no major issues with property management.

Ultimate question - use severance package to pay off student loans in full and still have some severance package cash lying around, or use an FW strategy to maximize long term net worth and earning power to offset student loan cashflow by purchasing rental property in full?

The question the wife and I are debating: We have about 56K in student loans combined between us, with an average interest rate of about 4.75% - a few are above 6% so I could see some arguments to pay at least those ones off. The monthly cost for our student loans is about $750 which I agree is ridiculously large. I could use this severance to vanquish the loans and eliminate the albatross of student debt once and for all. I would still then have close to enough cash lying around to possibly pursue a rental property downpayment and have a 4th mortgaged property, or could just throw it into a global stock index fund.

But all else equal, I am rather confident that I could locate a property that if purchased with cash, would offset the student loan cash flow completely, because the rental properties I already have (with loans on them) rent for higher than that monthly loan outflow, even after adjusting for property management fees, maintenance, etc; of course I have to pay mortgage expenses on the current 3 properties, so this would only work if I could find a property that I could FULLY pay - understand that some FWs might tell me to triple down and get three more mortgage properties instead of a single cash one. I will seriously consider taking money out of the cash paid for house after the rent and monthly expense situation is steady (let's say a year in) and then use it to buy another house with cash. The depreciation offset will also help in a big way until the student loans are due to be paid off - currently a mix of expiry, with most ending in 2019. Obviously once the student loans are paid off my cashflow situation dramatically improves - so 5 years out or so except for 1 of the loans (about 1/3 of the outstanding debt but at 3.5%) expiring in 2029.

Other considerations:

We always max out our Roth IRAs - may start to become inelgibile for Roth within the next year or two.
I have maxed out my 401k for two straight years and should be able to for the forseeable future. Wife's story a bit different but hope to at least come close to maxing by 2015.
Have another partnership that owns one triplex in a different geographic area, that has been a bit more challenging than the 3 rental properties I currently have - point is I have somewhat high exposure to real estate, though spread across 3 geographies.
Have a (what I will call) middle sized liquid stock portfolio, as well as auto monthly DRIP with 4 companies.
We will be moving, and there are often start up costs associated with that, but my new job's compensation should cover the difference in cost of living.
We have an infant daughter, and we will definitely need to start planning for school soon!

Thank you very much!
Personal Finance Deals
No more grandfathered WellsTrade Free PMA Trades?
Added on : Saturday April 12th 2014 05:00:04 PM
g: 0 Posted By: martint
Views: 128 Replies: 0 I have a WellsFargo WellsTrade account opened a few years ago that was grandfathered into the free 100 trades/year if linked to a PMA checking account. My most recent statement indicates these are going away as of June 30th and will be replaced with $6.95/trade.

Time to change brokerages?
Investing Deals
withdraw money from Roth/Traditional for down payment
Added on : Saturday April 12th 2014 04:00:05 PM
g: 0 Posted By: faltutp
Views: 87 Replies: 8 Context: 1st time home buyer. Have Money in savings to pay for decided down payment for home.Both Wife and I have Roth and traditional IRA. Roth is open for 5+ years. My Roth has 2K Capital gain and 15K of my added contribution money. My wifes Roth has 7K Capital Gain and 15K of contribution money. My Traditional IRA has 6.5K of profit and 20K of contribution money. My Wifes Traditional IRA has 4K (with $850) loss. Besides this have 175K in my 401K and 10K in wifes 401KStock market has taken beating in last few months (as I am in high quality growth stocks) Both wife and me are in mid 30s.

Question: Should I/Wife withdraw from Roth or traditional IRA for part of down payment and keep more savings account money as it is (gets 0.85 interest rate). I know the annual max of 10K each from roth/traditional withdrawal limit. Also am aware that 1st money that will come out of Roth is contribution. If I pay down payment from savings I will still have 1+ year of expense cushion. Thoughts? Suggestions?
Investing Deals
g: 0 Posted By: guy4167
Views: 135 Replies: 4 If you were to buy it, how much would you put down? Thinking of blowing the whole load and taking a 15 year mortgage out for $70,000ish. My monthly payment would be around $1100, including mortgage, taxes and HOA.

A little background: college educated, in my 20s, making about $45,000 a year, own a car (outright, should be good for a few more years), and I expect my salary to grow significantly as my career progresses. No significant debts. The condo is allowed to be rented (I plan on holding and renting once I am done with it) and rent for the unit could support the whole $1100 mortgage payment at the present time.

Good idea? What should I be looking out for?
Question Deals
g: 0 Posted By: dimsumkid
Views: 213 Replies: 0 Seems that a few stores are offering some kind of deal on this one, this one is a mail in rebate. My Ace Hardware B & M store ad (Chicago area) put out a local flyer for Scott's products. The Snap spreader (7279995) is on sale for $29.99 and free after mail in rebate for Ace Rewards members. I can't find the ad online (shows $49.99 online), it's a 1/2 page small flyer that's titled "Scotts A Healthy Lawn Starts with Scotts". This looks to be a national monthly offer, but check your local store, so YMMV on this one.

Rebate form item 20
Tools Deals

Ace Hardware Coupons
g: 2 Posted By: remick
Views: 240 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.



The Past, Present, and Future of JavaScript
http://www.amazon.com/The-Past-Present-Future-JavaScript-ebook/d...
Whats next for JavaScript? Its phenomenal rise from a simple client-side scripting tool to a versatile and flexible programming language exceeded everyones expectations. Now, hopes and expectations for JavaScripts future are considerable.

In this insightful report, Dr. Axel Rauschmayer explains how the combination of several technologies and opportunities in the past 15 years turned JavaScripts fortunes. With that as a backdrop, he provides a detailed look at proposed new features and fixes in the next version, ECMAScript.next, and then presents his own JavaScript wish listsuch as an integrated IDE.

Understand the key role that XMLHttpRequest, JSON, jQuery, V8, Node.js, and other advances played
Examine proposed fixes for ECMAScript.next through code examples
Discover how JavaScript is becoming a better Target for compilers
Explore the technologies that will help JavaScript provide support for concurrency
Learn how HTML5 is a compelling platform for JavaScript in web, mobile, and desktop applications



JavaScript Principles: A Brief Introduction
http://www.amazon.com/JavaScript-Principles-A-Brief-Introduction...

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()
Plugin 4: id2var



Java 8 Preview Sampler
http://www.amazon.com/Java-Preview-Sampler-Herbert-Schildt-ebook...

The Problem with Native JavaScript APIs
http://www.amazon.com/The-Problem-Native-JavaScript-APIs-ebook/d...

Books Deals

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Should I care about TransUnion? Too few accounts?
Added on : Friday April 11th 2014 06:00:07 PM
g: 0 Posted By: doublePie
Views: 91 Replies: 0 Last year, my husband and I refinanced our home from a 30 fixed 6.25% FHA to 15 fixed 3.25% conventional. The monthly payment only increased about $50 and $23 of that is PMI will drop off in August (I've confirmed). At that time, both of us had a credit score with each of the big three within 20 points either way of 800.

A year later, my husband applied for a Sallie Mae Mastercard and the score they used to issue it was 732 from TransUnion.

Reasons:

Number of accounts with delinquency
Proportion of loan balances to loan amounts too high
Too few accounts currently paid as agreed
Proportion of balances to credit limits too high on revolving accts

Gross income was $71,000 last year, which has been steadily rising for the past 7 years. Net take home is $4050 (after 401K, health insurance, HSA, United Way).
The mortgage was $103,000 on a $123,000 property.
Card 1: CreditFirst (Firestone): We have it for the discounts and promotions. Paid off every month with the exception of one month in 2011 when we forgot about it and it went 30 days over. D'OH.
Card 2: Brand new Sallie Mae card with a $12,500 limit.
Card 3: Very vanilla VISA through our credit union. $13,500. Paid off every month, no exceptions. Averages about $1500/month. It is used for pretty much everything -- gas, groceries, cellphone bill, internet, home improvement stuff, restaurants. According to TransUnion, it had a high water mark of just over $7000 at one point in 2011, but even then I believe it was paid off the same month from savings.
New car loan of $16,300. The first payment is due at the end of this month. $4000 down payment. 2.6% for 60 months (2013 model didn't qualify for promotional rates)
Mortgage is $872 total with principle, escrow, and interest. If you haven't gathered from the fact that it's a $123K house... we have no HOA fees.

(EDIT: I should add that my own credit union VISA runs about $800 per month, just to give a fairer idea of the total household picture. That's the only thing i have in just my name).

I have no significant income and that will not change for several years. I'm just home with the babies right now.

Our proportion of loan balances to loan amounts will fall off as soon as our brand new loans have shrunk with time and payment and the one delinquent payment we've ever made just is what it is. So is the answer to actually open up another credit card or two, pay on the loans as scheduled, and work to get the number back up OR is it to just not worry about TransUnion since we're not using credit for anything in the near future anyway and 732 isn't really bad?

Meanwhile, my score from Equifax was 832 (husband's was 794) and I haven't had any income not reported on a 1099-MISC in about three years.

And since I've typed all of this out anyway, any general advice on handing our current cash flow and debt? We have an emergency fund but haven't set up college savings for the kids yet, in part because once I go back to work, we will have an entire extra income of about $35,000 net to put towards education and retirement.


Investing Deals
Samsung Galaxy S5 Verizon $99.00 FS @ Costco Wireless
Added on : Friday April 11th 2014 05:00:07 PM
g: 3 Posted By: DizzyT71
Views: 602 Replies: 2 Costco Wireless has the Samsung Galaxy S5 Verizonon sale for $99.00 with free shipping.

No Costco membership needed

Applies to new and existing plans.Online and B&M.
Black and White 16 gb model.
New activations will get you $100 bill credit.
You also get an accessory pack as well which includes a screen protector, case, car charger and probably a few other things as well.

Cell Phones Deals
Safeway Freebies this week
Added on : Friday April 11th 2014 11:00:10 AM
g: 0 Posted By: nerraw00
Views: 52 Replies: 0 Check your emails from safeway as mine showed 3 different freebies for this week. 1 salad enhancer, 1 bottle of safeway soda and 1-1.5 qt. safeway ice cream.
Beverage Deals
Men's Graphic Tees Starting at $5.98 FS @ Lucky Brand
Added on : Friday April 11th 2014 11:00:04 AM
g: 0 Posted By: DizzyT71
Views: 286 Replies: 0 Luck Brand is offering Men's Graphic Teeson sale starting at $5.98 with free shipping.

A few examples:

Broken Bones
Lucky Brand Denim Tee
Drink More Beer Tee



Clothing Deals

Lucky Brand Coupons
$15 off $75 Lowes GC on Safeways Club Card
Added on : Friday April 11th 2014 09:00:03 AM
g: 0 Posted By: MrsGuin
Views: 165 Replies: 1 Check yours safeway Club Card offers page & add to your card if you find it.
Gifts Deals

Safeway Coupons
g: 0 Posted By: robronson
Views: 100 Replies: 0 I am self employed as a consultant. I fly to various states throughout the year, some of which, like California, have high state income tax. I'm toying with the idea of creating a series of entities for my consulting to maximize profit by minimizing state income tax burden. I don't have a solid plan, just some ideas to hash out and hear thoughts on.

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

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

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

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

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

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

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

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

There may be a possibility to bypass the equal quarterly tax withholding payment rule by becoming an S-Corp as a W2 for the last few months of the year. You could maybe pay $0 in quarterly estimated payments and then as a W2 in November/December, you could withhold your entire W2 paycheck to taxes. Since W2 income tax doesn't need to be withheld equally throughout the year. Not sure if this would work or if the penalty would still apply but I have heard of married couples where the husband is self-employed, pays nothing in quarterly tax payments and the wife modifies her W4 to withhold her entire paycheck to taxes the last 2 or 3 months of the year. That might work as a single person if you can make yourself a W2 the last few months of the year.
Personal Finance Deals
g: 0 Posted By: trancine
Views: 20 Replies: 0 Trying to do a USAA 0% no fee BT that ends 4/15, so I don't have time to get convenience checks. I can do the BT into discover, delta amex, any of a few chase mc/visas, sallie mae visa, Priceline. I'm going to use this money to pay down a HELOC. I've heard discover is slow with refunds and citibank is good, but I don't have any Citi Cards. Any advice? Thanks!
Credit Deals
Refurb Verizon iPhone 4 - $99 shipped
Added on : Thursday April 10th 2014 12:00:04 PM
g: 1 Posted By: zoid99
Views: 338 Replies: 0 eBay sellermobilepros1 has quite a fewrefurbished iPhone 4for verizon for only $99 shipped.
Cell Phones Deals

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Xbox One Games Sale, Save Extra 10% w/ Code + FS at Newegg
Added on : Thursday April 10th 2014 12:00:02 PM
g: 0 Posted By: jskins
Views: 127 Replies: 0 Xbox One Games Sale,Save Extra 10% w/ Code VGMADNESS1 + Free Shipping at Newegg.

A Few Notables: (Prices after Code)

Just Dance 2014- $27
NBA 2K14- $31.50
Battlefield 4- $31.50
Madden NFL 25- $31.50
Dead Rising 3- $31.50
Assassin's Creed 4 Black Flag- $31.50
Xbox One Games Deals

Newegg Coupons
Cancer Diagnosis -- Financial Impact
Added on : Thursday April 10th 2014 11:00:15 AM
g: 0 Posted By: elrp
Views: 127 Replies: 4 Long time member with a new name.

I am female, 49, don't drink, don't smoke, in good shape, healthy diet. Please don't ask for pictures (I am very attractive for my age though). Up until a few days was very healthy. Had some abdominal pain, thought maybe I was having gallbladder issues. Turns out instead I have a tumor which is 99.99999% a freakishly rare form of liver cancer. Still being evaluated, do not know prognosis, could have months, could pull through this albeit with a reduced life expectancy. I assume people will be sympathetic - thanks, but please let's try to keep this strictly to the financial end of things.

Would appreciate help thinking over the financial part of things. I am the financial person in our household, married, one kid on his own, one still in college with 2 years to go.

Owe $120k on our ~$300k house, 8 years to go at 2.5% fixed
Life insurance on me $200k through insurance company, another $80k through work.
$30k loan on 2014 car. 4 other cars paid off.
About $6k left on PLUS loan for kid #1
No other debt
$20k liquid savings
$350k in 401k
$112k lump sum pension
Spouse has own 401k, around $200k there
$5k or so in HSA
Good health insurance
90 day short term disability at full pay for me, long term is 60% of pay

Kid #2 has $100k 4 year scholarship, our expected cost for him to complete college is $24k (housing, fees, travel, food, etc) which we have been paying from income and savings.

Income me $80k, spouse $40k (should increase to $56k in the next year)

While I would really like to have more life insurance on me, other than that I think H should be o.k. should I not survive this. Agree?

What if anything should I be doing now financially? I know I will have to record all our accounts and passwords for the H who is completely financially challenged. What else?

What am I missing?


















Personal Finance Deals
g: 7 Posted By: remick
Views: 568 Replies: 0 http://www.amazon.com/gp/product/B00JJGLUOG

This is a collection of 75 fun, challenging, and satisfying wordplay riddles! A drastically different yet essential counterpart to my first collection of riddles, Of Course!, these are easy-to-remember and fun-to-share word riddles that describe some object, thing, or place. Typically they follow a limerick-inspired rhyming structure and sometimes have pretty out-of-the-box answers.

This book is filled with the classics that many riddle-loving people will be familiar with, and also filled with many new and original riddles that you can be sure youve never heard before. The difficulty ranges from easy to quite difficult, but never are these riddles so cryptic and tricky that you wont be able to figure out the answer with enough thought. Even the simple ones feel good to solve. They are designed to be satisfying, tight, and fulfilling. It is my hope that not even one of these riddles leaves a feeling of well that was stupid or that doesnt make any sense. They are meant to be written so that as soon as you think of the solution, you are completely sure that that is the correct answer!

In case you are unfamiliar with this style of riddle, here are a few classic examples from the Classic Riddles section of the book that display the range of wordplay and styles. I dont want to spoil anything so the solution to these riddles can be found in the book! You can also use the Look Inside feature that Amazon provides to get a preview of more riddles and see if this format is something you will have fun with.

1) The more I dry, the wetter I get. What am I?
2) Forwards I am heavy, backwards I am not. What am I?
3) The poor have me; the rich need me; and you will die if you eat me. What am I?
4) You can crack me; you can make me; you can tell me; you can play me. What am I?



Math Puzzles CHALLENGER
http://www.amazon.com/Math-Puzzles-CHALLENGER-Math4Math-Games-eb...

4.5 out of 5 stars (20 customer reviews)

This is a unique Maths game book that contains a series of puzzles that would definitely test your Mathematical abilities specifically your basic Math operations, problem solving strategies, and deductive reasoning.
You will find varieties of puzzles which are distributed into three levels of difficulty (easy, medium and difficult). Each puzzle has a worked solution which provides you the application of the strategies used.
Enjoy and have fun answering these puzzles. Good luck!



Math Puzzles BRAIN TEASER
http://www.amazon.com/gp/product/B009NX9C8Q

4.4 out of 5 stars (26 customer reviews)



Puzzles & Games: 30 Optical Illusions Games & Fun Puzzles For Parents & Kids
http://www.amazon.com/gp/product/B00H4EGOP0

Watch how your eyes play tricks on you!
KINDLE SPECIAL EDITION: The Instructions are given in the book so that you can play this game on the kindle device by yourself and with your children.
Use these 3 Level Games to Challenge Your Eyes & Mind. Parents can play. Use this Game to teach your children to use their mind and eyes to play this game.
Age Level: 7 years old & up
Target audience: Adults, Teachers, Students, Teens, Children




2000s TRIVIA (TRIVIA by Todd Brock)
http://www.amazon.com/2000s-TRIVIA-Todd-Brock-ebook/dp/B00DCX6HO...

Do you know the first race that Danica Patrick won? Or who won the very first series of Survivor?
This is a short and sweet trivia book--201 trivia questions about the "me" decade of the 2000s. And I can almost guarantee that you'll find yourself scratching your head more than once.
Make sure you check out the trivia book on the 1960s, 1970s, 1980s, and 1990s as well!
Books & Magazines Deals
How much of annual income to spend on Vacation
Added on : Thursday April 10th 2014 06:00:10 AM
g: 0 Posted By: chakangt
Views: 25 Replies: 0 I did a little searching and have found a few article on this, but wanted to ask your opinions.

I am self-employed. I take work when I can, as often as I can and I hate turning down work. That being said, I have had consistent work for about 10 years running my own business. I am lately feeling a little burned out, and thinking it has to do with me trying to work so much and not taking enough vacation. Part of the hesitation is I don't want to miss income opportunities. But I think I am over that, and now am wondering just how much is appropriate (or wise) to spend on vacations on an annual basis? as a function of Net Income?

for example, there are other benchmarks we (or others) use as percentages to guide us (e.g. Don't spend more than %33 of monthly income on housing, keep 6 months rainy day fund... ). Of course this is all relative to your unique situation, but thought I would ask if there is rule of thumb.

a couple of articles I found:

http://money.cnn.com/2012/05/10/pf/expert/vacation-spending.mone...

and this

http://piggington.com/how_much_of_takehome_salary_will_you_spend...

however, I trust this forum's community and experience...

I am single, no kids.

I am curious, how much do you spend on vacations every year?

Many thanks for your thoughts...
Discussion Deals
BodyBuilding Coupon: 15% off 100+ Brands Extra 10% off
Added on : Thursday April 10th 2014 06:00:04 AM
g: 0 Posted By: ShoppingChick
Views: 108 Replies: 0 BodyBuilding.com is offering 15% off 100+ Brands(discount will show in cart) plus save an additional 10% off with promo codeEATCLEAN10. Shipping starts at $5.93 and varies depending on purchase.

A few top brands:

BSN
Optimum Nutrition
MusclePharm
Cellucor

Health Deals
Should we file accident claim?
Added on : Thursday April 10th 2014 04:00:08 AM
g: 0 Posted By: revheck
Views: 57 Replies: 3 My wife was in a minor accident this morning that was the other driver's fault. She was stopped at a DC Metro drop off lot (in Virginia) and a shuttle bus backed into her while she laid on the horn. There is damage to our car, but probably less than $1000. She did file a police report and exchange information with the other driver.

Normally, I wouldn't hesitate to report to our insurance company, but there are extenuating circumstances:

We've just moved from New Jersey to Virginia 3 days ago, and planned to search for new auto insurance within next few weeks.
We have State Farm auto insurance in New Jersey, but our old car(1997 Lexus)has no collision coverage.
Virginia is an at-fault state, while New Jersey is a no-fault state.
The accident occured on private property.
My wife did have a minoraccident in New Jersey last summer that was her fault. (She was ticketed.)

I am assuming the other driver's insurance will pay our damages, since Virginia is an at-fault state. But I don't want our insurance premiums to go up over a minor claim.

Recommendations?



g: 0 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/gp/product/B00JJGLUOG

This is a collection of 75 fun, challenging, and satisfying wordplay riddles! A drastically different yet essential counterpart to my first collection of riddles, Of Course!, these are easy-to-remember and fun-to-share word riddles that describe some object, thing, or place. Typically they follow a limerick-inspired rhyming structure and sometimes have pretty out-of-the-box answers.

This book is filled with the classics that many riddle-loving people will be familiar with, and also filled with many new and original riddles that you can be sure youve never heard before. The difficulty ranges from easy to quite difficult, but never are these riddles so cryptic and tricky that you wont be able to figure out the answer with enough thought. Even the simple ones feel good to solve. They are designed to be satisfying, tight, and fulfilling. It is my hope that not even one of these riddles leaves a feeling of well that was stupid or that doesnt make any sense. They are meant to be written so that as soon as you think of the solution, you are completely sure that that is the correct answer!

In case you are unfamiliar with this style of riddle, here are a few classic examples from the Classic Riddles section of the book that display the range of wordplay and styles. I dont want to spoil anything so the solution to these riddles can be found in the book! You can also use the Look Inside feature that Amazon provides to get a preview of more riddles and see if this format is something you will have fun with.

----------
1) The more I dry, the wetter I get. What am I?

2) Forwards I am heavy, backwards I am not. What am I?

3) The poor have me; the rich need me; and you will die if you eat me. What am I?

4) You can crack me; you can make me; you can tell me; you can play me. What am I?
Books & Magazines Deals
Walmart has card chip readers
Added on : Wednesday April 09th 2014 04:00:05 PM
g: 0 Posted By: UncaMikey
Views: 87 Replies: 1 We made a quick trip to a WalMart Supercenter today to pick up a few grocery items. My wife used her BoA Visa Signature (ex-Schwab Visa) that has chip and signature. After she swiped her card, the cashier got some kind of alert on the register and asked us to instead put the card into the slot at the bottom of the card reader. Voila! No PIN, no signature, the cashier handed us a receipt and we were on our way.

Maybe it won't be so hard after all for U.S. retailers to switch to chip-enabled card readers? WalMart already has the equipment in place.
Discussion Deals
Monoprice - $5 off purchase of $25 or more
Added on : Wednesday April 09th 2014 07:00:02 AM
g: 0 Posted By: dcg9381
Views: 24 Replies: 0 I buy all kinds of stuff at Monoprice..They were especially useful when building a house and doing the AV wiring.
If you've never seen their stuff, they sell everything from high quality cables at a reasonable price (DVI, HDMI, analog, etc) to headphones, to video cameras (Go-Pro copies).
Lots of their stuff is manufactured of China, but it's backed by Monoprice, so if you have a problem - they take care of it and all of the orders are filled domestically. The few items that I've had not perform to spec, they sent me a replacement on (no cost) and either pre-pay for the return or not have me return it at all.

Full disclosure: this is a Monoprice referal program.

Link: $5 off $25 or more purchase
In Need of Tax Shelters - Time to Update 2005 Post!
Added on : Wednesday April 09th 2014 05:00:10 AM
g: 1 Posted By: ProfitNinja
Views: 43 Replies: 2 This post from 2005 has some great ideas but I couldn't find anything more recent (http://www.fullofdeals.com/forums/finance/447023 /) and as I went through the list I found that most of it did not apply to me for a variety of reasons. For some background, my income is currently at 300k and expected to grow annually by about 10% for the foreseeable next few years. I am in desperate need of some sort of tax shelter as the taxation problem will only grow worse over time. Any "outside the box" ideas?

Long-Term Savings:

401k (earn gains on pre-tax $; taxed when withdrawn at retirement) (link) -Already contribute the annual max
IRA (earn gains on pre-tax $; taxed when withdrawn at retirement) - Income limits, can't contribute
Roth IRA (pay no tax on earnings -- invest taxed income) (link) - Income limits, can't contribute
I-Bonds or EE (post 1989) (use towards education and pay no tax on earnings) (link) - Need to look into this to see if viable.

Personal Tax Credits:

Educational Credits (Hope/Life) (link) - Income too high, no go
Adoption (link)
Earned Income Credit (link) - Income too high, no go
Child Care Credit (link) - Income too high, no go
Child Tax Credit (link) - Income too high, no go

Personal Tax Write-offs:

Morgage Interest
College Loan Interest (link) - Income too high, no go
College Tuition and Fee's (link) - Income too high, no go
Donations to Charity (or fair market value of items donated) - Already do this
Moving Expenses (Job related move) (link) - not applicable
Educator Expense Deduction (link) - Income too high, no go
Alimony Paid (link) - not applicable

Business:

Incorporating your small business in Nevada and other state-tax free states (to shelter some income from state taxes)
Business Expenses (ex: Eligible Business Travel Expenses) (link)

Other:

Flexible Spending Account (link) - Not applicable, I contribute the max to a Health Savings Account - This is probably the best thing since 401k.
Governement Employee 457 account (link)Not applicable.

The only other beneficial tax deduction was for daycare services but my youngest child will turn 13 next year in January so that won't exist anymore!
Tax Deals
Help me write remodeling contract
Added on : Tuesday April 08th 2014 01:00:05 PM
g: 0 Posted By: mojoshtudd
Views: 76 Replies: 0 I am about to have my kitchen remodeled and have almost finalized the contractor who will do it. This was based on cost/materials/reviews/gut feeling after interviewing 5 contractors.
Even though I am happy with this guy, I want to make sure that the contract is written in a way that saves me headaches down the road. This is my first remodeling project, so I want to make sure I got everything covered.
FWIW, this is in Southern California.
Some of the points I think should be on the contract (based on Google search, asking around, in no particular order):

Payment schedule: 10% in the beginning, tiered payments at end of each milestone (demolition, cabinet installed, counter-top installed etc) and a final hold-back amount (~10-20%) to be paid upon completion and my acceptance.
A clause that protects added costs - any modifications that result in increased budget to be mutually accepted and signed before being implemented
Start and end dates. A clause that specifies what happens when work goes significantly beyond schedule.I don't know how to word this part.Should I put in a penalty clause for delays or reward clause for early completion. How much grace period to give him beyond agreed upon schedules? I don't want to hold him to the day and hour of the schedule but also do not want him to work on other projects and delay mine by a few weeks.
A clause to specify how to handle disputes. Should I put in a clause about binding arbitration to avoid court costs and time?
Protecting myself from liens: unconditional lien releases from all his subcontractors/vendors/employees that worked on my project prior to each of the payment schedules. My understanding is that this releases me from being sued by a sub-contractor because the general contractor did not pay him despite me clearing payment from my side.Is this typical in a contract?
A clause about damages, dust control etc while he works on the project.What is a good way to write this?Basically I want to make sure they protect walls, furniture etc from dust. Also do not damage my property etc. The guy is bonded and has insurance, workers comp etc - but do I need to specify that on the contract or do these things automatically kick in if he damages something or his worker gets injured.
A termination clause - something that lets me get out of the contract if I consider the work to be below expectation at any stage. Again, I don't want to be a dick about it and yank him if I get a better bid midway; but I also don't want to be on the hook if he is clearly headed down the wrong path
Warranties on work: I read that it is a good idea to turn down the contractors warranty. Apparently accepting it waives the state statutes which have better protection. This was counter-intuitive for me but would like some feedback from you guys. I am in CA.

Anything else I am missing?
I will update this thread as I get the actual contract in hand and negotiate with the contractor.
Real Estate Deals
Tips on seasonally living abroad with your family?
Added on : Tuesday April 08th 2014 05:00:31 AM
g: 0 Posted By: jpfern15
Views: 111 Replies: 0 I've been employed at my current job for about 2 1/2 years now. I telecommute full time and basically work out of my home 99.9% of the time. I travel to HQ 3-5 times a year but other than that I have no physical dependencies to my job. The wife and I are wrapping up our degrees in May. We have a 3 year old daughter and plan on having our second (and final) child next year.

Keeping all this in mind, we've thought about spending a few months living somewhere else for a change. Perhaps spending the summer in Australia or Germany or wherever. Our only requirement is a solid internet connection and I'm good. Here are the challenges we've thought out for actually pulling this off:

1. Paying a mortgage on our home in the USandrent for a house/apartment and transportation abroad would be a financial strain. We would need to find a way to rent out our fully furnished home for a few months without being available to assist with any issues. Has anybody done this?
2. We could use help with the kid(s). What are our options for a nanny or maid service if we are on a tourist visa? Specifically for Australia, Germany, France and/or Switzerland.
3. Are there any recommended services to find a place to rent for a few months abroad? We would prefer something comfortable in a decent urban area and it must be furnished.

Any tips or help would be appreciated.
Personal Finance Deals
Need advice on mini-splits for an investment property
Added on : Tuesday April 08th 2014 03:00:05 AM
g: 0 Posted By: bzinsky2012
Views: 92 Replies: 2 So this may be the wrong forum to ask this in, but it is for an investment, so I figured I'd give it a shot. I'm renovating an apartment building and I was looking to outfit the apartments with mini-split heat pumps. The property is in NJ, and if there is one downside to air-air heat pumps is extracting heat in cold temperatures. The average temp in January here is 32.5 degrees, but it gets down to the single digits a few times a year, and a rare occassion a few degrees below zero. I am having the most difficult time finding any real world data on these heat pumps. The stats posted on the manufacturer sites are all over the place and I don't think they are accurate. One of the few heat pumps that does seem to have accurate data is the Mitsubishi Hyper Heat products, but they are about the most expensive mini-splits you can buy. Seeing as this is an investment, and I need to do 20 apartments, I was hoping for a more cost effective solution. Nobody understands tech stats and money better than a forum full of cheapskates like myself, so I figured this might be a good place to ask. Does anybody have any evidence on what systems will work? It's not like I can buy one and return it if it doesn't work out. I also have to wait until next winter to find out if it will work. The last thing I want is the building to have no heat on a cold day. I had an engineer do a heat loss calculation, and they range from 3.5k-7k btus at 0 degrees F.

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

Thanks in advance
Question Deals
Email Signup for Next Week's Sears Outlet Free Apparel Day
Added on : Monday April 07th 2014 08:00:02 PM
g: 0 Posted By: FunnyStuff
Views: 2 Replies: 0 Must sign up in order to get the email.
https://www.facebook.com/Sears.Outlet.Stores/app_203339356506983

Coupon will likely be good for 1 non-outerwear piece of apparel only on Tuesday April 15, 2014 at Sears Outlet stores that sells clothing. Not in regular Sears stores. No online orders either. As the name implies, Sears Outlet sells leftover merchandise from regular Sears stores. Think stuff you might would not mind wearing instead buying somethingfashionable.

I like outlet stores because they also accept the few centsleft in my Shop Your Way Rewards account. I used my few points this past week as they currently have a Buy-1-Get-1-Free deal on everything in the store.

A few years ago, Sears Outlet had several free days during the year. Last year there was only one not counting kids-only days. This could be the only free apparel day of the year for any size clothing.

Here is the Sears Outlet Apparel website. Click "Find a Sears Outlet Apparel Store" at the top right corner if you need to find a location near you. Is the free piece of clothing worth a long drive? Not really, but if you are nearby why not pick up something for free?

http://www.searsoutlet.com/d/apparel/discount-apparel.jsp?
IRS has almost no record of my income this year
Added on : Monday April 07th 2014 07:00:08 PM
g: -2 Posted By: adzu227
Views: 97 Replies: 2 I accessed my 2013 IRS wage and income transcript to make sure I didn't forget about some 1099, and the transcript only shows one 1099 from a bank. It's missing my W2, all other 1099s, everything else. My wife's is correct, though.

Gears started turning...can I just submit a return with just the info on their transcript? It would still have my wife's W2 and a few 1099s, but would save us $10K in tax (and AMT). I could perhaps get a tax preparer and ask them to just pull my wage/income data from the IRS, claiming to have lost receipts/forms (reasonable as I moved across country this year).

The only thing is CA tax - they at least would have a record of my state withholding. I guess I could add my wages to the CA return only. Do they crosscheck with IRS?

What would you do in my place?
Tax Deals
70% off Duofold Men's Clothing @ Amazon. FS w/ orders $35+
Added on : Monday April 07th 2014 04:00:03 PM
g: 0 Posted By: DizzyT71
Views: 309 Replies: 0 70% off Duofold Men's Clothing @ Amazon. Free shipping w/ orders $35+

A few examples:

Duofold Men's Short Sleeve Crew Top $2.96
Duofold Men's Brushed Back Bottom $5
Duofold Men's Mid Weight Crew Top $5.60
Duofold Men's Expedition Weight Bottom $9

Clothing Deals

Amazon Coupons
Seiko Men's Chronographs $60 +FS @ ewatchesusa
Added on : Monday April 07th 2014 02:00:06 PM
g: 0 Posted By: MrsGuin
Views: 84 Replies: 0 3 models for $60 each--
SNDF01 - http://ewatchesusa.com/sndf01.html Silver Male Chronograph Casual
SNDF03 - http://ewatchesusa.com/sndf03.html Silver Male Chronograph Casual
SNDF105 - http://ewatchesusa.com/ssb105.html Silver Male Analog Dress
Watches Deals
Amazon Sellers, Sales Taxes?
Added on : Monday April 07th 2014 11:00:17 AM
g: 0 Posted By: myhotrs
Views: 12 Replies: 0 I searched all over and could not find this. I know how to charge sales tax on my Amazon sales. What I am asking is whether folks here go through the hassle or not and if anyone knows what Amazon reports. I'm in California and selling both myself and FBA. Started a few months ago and volume will probably trip a 1099 this year. Thats not a problem, I'm prepared to pay income tax. I just can't believe how complex the tax issue is with AZ and that everyone who sells has gone through the pain of setting up and reporting every state.

Please don't respond with ethical comments or tax law, not interested.

If I missed an existing discussion, I apologize and if someone could point me in the right direction that would be appreciated. Also, PMs welcome for those who don't want to post.
g: 1 Posted By: Deals4mykids
Views: 123 Replies: 1 http://www.amazon.com/gp/product/B00GOZV3TM
4.4 out of 5 stars.

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

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

ENDORSEMENTS

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

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

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

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

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

ABOUT THE AUTHOR

Dr. Stephen R. Covey (1932-2012) was a world-renowned authority on leadership and family relations. He held a Bachelor of Science from the University of Utah, an MBA from Harvard, and a PhD from Brigham Young University. Dr. Covey served as Vice Chairman of FranklinCovey Co., and was an in-demand speaker, teacher, and organizational consultant. Throughout his career, Dr. Covey brought new insight and understanding to millions of readers and students.
Books Deals

Amazon Coupons
g: 12 Posted By: remick
Views: 1882 Replies: 2 SEALS: A Fascinating Book Containing Seal Facts, Trivia, Images & Memory Recall Quiz: Suitable for Adults & Children
http://www.amazon.com/gp/product/B00J9SR0D4

Hi and a very warm welcome to "Seals". A Fascinating Book Containing Seal Facts, Trivia, Images & Memory Recall Quiz: Suitable for Adults & Children.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store it for a later date.

I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.

This edition includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check understanding.



PENGUINS (The Essential Guide To Penguins For Kids On Kindle)
http://www.amazon.com/gp/product/B00C9QPA3K

Length: 178 pages

Hi and a very warm welcome to "Penguins, Penguins & More Penguins: Volume 1
.
I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store at least some of it for a later date.
I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.
This penguin edition includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check your understanding.



Spiders & Insects
http://www.amazon.com/gp/product/B00HOFHZPW

Length: 205 pages

Hi and a very warm welcome to my "Spiders & Insects" Bundle Edition.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store it for a later date.
I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.
These two books include a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end of each one, there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check your understanding.

Books & Magazines Deals
Up to 83% off 2K Games @ GreenManGaming
Added on : Monday April 07th 2014 01:00:03 AM
g: 0 Posted By: Xenocrates
Views: 168 Replies: 0 Some Classic 2K games up to 83% off

Bioshock - $4.99
Bioshock 2 - $4.99
Bioshock Infinite - $10.19
Borderlands 2 GOTY - $26.79
Mafia II - $7.49
Civilization V - $24.99
The Bureau - X-Com Declassified - $7.49

There are a bunch of add-ons for these listed games and a few other stand alone titles.

There is a 20% off promo going till the ned of the day 4/7. It stacks with some of the titles, like Civilization V Complete.

Code: 8KM88H-PPN6L5-SJ9GRU
Video Games Deals
g: 0 Posted By: Xenocrates
Views: 222 Replies: 0 Refurbished Wii Remote Plus and Nunchuk in 3 colors - $20.00+ $5 falt rate shipping@ Nintendo Store

Available in 3 Colors
White
Blue
Black

Due to $5 flat rate shipping this deal is best when purchasing at least 2 sets.

This same deal did great a few months back here.Also some useful comments about the quality.

Many people received sets in nearly perfect condition. Others mention they have marks or scuffs.

Nintendo Deals
TSP Expense Ratios updated for 2014 (CY 2013)
Added on : Sunday April 06th 2014 04:00:07 PM
g: 0 Posted By: medion
Views: 38 Replies: 1 I got my annual statement a few weeks ago. I'm used to them simply giving an overall expense ratio (which can be seen at link at the bottom). However, this is the first time I've seen them break it down by fund. So, while the overall is 0.029% (2.9 basis points), here's how the individual funds break down.

G-Fund - 0.27%
F-Fund - 0.39%
C-Fund - 0.29%
S-Fund - 0.26%
I-Fund - 0.29%
L-2050 - 0.29%
L-2040 - 0.29%
L-2030 - 0.29%
L-2020 - 0.28%
L-Income - 0.28%

https://www.tsp.gov/investmentfunds/fundsoverview/expenseRatio.shtml
Discussion Deals
g: 1 Posted By: patofw
Views: 186 Replies: 0 Both vary in price by about $100 every few weeks

5D $600Usually $650-ish, sometimes gets to $550

5N $450Ususally closer to $500, lowest ever is $430


Computers Deals

Amazon Coupons
Timing of applications for credit cards / auto loan
Added on : Sunday April 06th 2014 10:00:08 AM
g: 0 Posted By: DrBison
Views: 133 Replies: 0 Hi,

I'd appreciate some informed advice. I've been urging my girlfriend for years to get a credit card and she hasn't followed through. She's relied heavily on her Visa debit card and hasn't grasped the importance of the differences between credit and debit cards. There was a period where she had a Macy's card that was also a credit card (as far as I know), but that was a source of a lot of confusion and in any case the card expired. She hasn't used much credit. She has been and still is paying a student loan and at some point she had a Care Credit account (don't know the status). I think that's about it.

I'm insisting that she get a proper credit card now. I think she should get at least 2 cards now while her finances are pretty good and she should be able to get them. The plan will be to pay in full every month. There's a possibility that she'll need an auto loan for a used car in the near future. And her finances need to get oriented around being able to get a mortgage in the next few years.

If she applies for 2-3 credit cards, what timing makes sense? Does applying for 2-3 cards on the same day have any particular advantages / disadvantages? How about same week? Month? Should she get one and wait a few months to apply for another? How would these applications affect applying for an auto loan?

I've described her credit utilization. I don't know what her credit score is. She doesn't have any defaults. No medical debt. At the moment she has good income.

If people want to recommend specific cards too, that's fine. I'll recommend to her to get something pretty straightforward. First and foremost I'll recommend that she get a Visa card. I'm thinking maybe the second card should be another kind.
Question Deals
g: 1 Posted By: remick
Views: 232 Replies: 1 http://www.amazon.com/Coolest-Kids-Science-Projects-Experiments-...

4.3 out of 5 stars See all reviews (15 customer reviews)

Cant find the right science project idea? Want to supplement your childs education at home?
Evans' collection of over 40 of the coolest kid approved science projects are guaranteed to light up your childs eyes and spark their imaginations. The book is geared towards elementary and middle school students, but can always be adjusted for more complex high school projects.
Drawing experiment ideas from Bill Evanss collection of fun and educational science projects is a great start to getting young children interested in science in a way that feels like games. You can choose from a variety of exciting experiments that cover different areas of science including projects in biology, physics and chemistry.
All projects require parental supervision, which makes them a great opportunity to build a stronger relationship between parents and children and share a unique experience together.



Also free

PENGUINS (The Essential Guide To Penguins For Kids On Kindle)

http://www.amazon.com/gp/product/B00C9QPA3K

Length: 178 pages

Hi and a very warm welcome to "Penguins, Penguins & More Penguins: Volume 1
.
I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store at least some of it for a later date.
I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.
This penguin edition includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check your understanding.



Spiders & Insects
http://www.amazon.com/gp/product/B00HOFHZPW

Length: 205 pages

Hi and a very warm welcome to my "Spiders & Insects" Bundle Edition.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my brain seems to store it for a later date.
I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.
These two books include a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end of each one, there is a short "True or False" quiz to check memory recall and to help cement some of the information included in the book. Don't worry though, it's a bit of fun but at the same time, it helps to check your understanding.

Books & Magazines Deals
Puma Sunglasses (20 Styles to Choose from) - $32.99 w/ FS at 6pm.
Added on : Sunday April 06th 2014 08:00:02 AM
g: 0 Posted By: jskins
Views: 16 Replies: 0 Puma Sunglasses (20 Styles to Choose from)- $32.99 with Free Shipping at 6pm.

A Few Notables:

PUMA PU15151 Sunglasses(pictured) - $32.99
PUMA PU15145 Sunglasses- $32.99
PUMA PU15143 Sunglasses- $32.99



Sunglasses Deals

6PM Coupons
g: 0 Posted By: Craig
Views: 180 Replies: 0 From your Verizon Wireless mobile phone open the Isis application. You should see this offer listed. Spend $25 or more in a single transaction anywhere Amex is accepted to receive a $15 statement credit. I made a purchase at safeway and had the credit a day later.
Services Deals
10 year old roof losing shingles - recourse?
Added on : Saturday April 05th 2014 05:00:16 AM
g: 0 Posted By: TheBeagle
Views: 74 Replies: 2 We've been losing anywhere from 1-10 shingles at a time pretty much anytime wind gusts get above 40mph over the past 5 years or so. House is only 10 years old, we bought it new. It was a spec house. In the past I've just been calling a roofer friend to come up and replace the shingles that blew off. I called the builder about it last year and he never did anything about it. I called him again a few weeks ago and he said he would come look at it and never did. We lost about 5 shingles over the past week that have not been replaced.

The roofing section of our contract states:
Roofing shingles to be GAF Timberline "Weather wood Blend" dimensional and includes a 30-year grantee.

When I spoke to the builder, he said he would get me info on who to contact from the manufacturer. He is trying to make this my problem.

Is he responsible for replacing the affected area (it is always one side above the garage)? How long should I give him to fix this? What should I do if he does not respond?
Question Deals
g: 1 Posted By: adam-i-am
Views: 324 Replies: 1 The title pretty much says it all. I started monitoring this on camelcamelcamel.com a few years back and viola!

Linkazon
Home & Garden Deals

Amazon Coupons
Amazon: Girl's Disney Clothing Up to 50% off
Added on : Friday April 04th 2014 11:00:09 AM
g: 0 Posted By: ShoppingChick
Views: 248 Replies: 0 Amazon is offering Girl's Disney Clothing Up to 50% offselect tunics, dresses, 2-pc. sets, hoodies and more. Free shipping on orders $35+.

A few notable items:

Disney Girls 2-6X Minnie Mouse 2 Pieced Print Dress and Pant- $13.76
Disney Girls 2-6X Minnie Mouse 1 Pieced Zebra Print Dress$15.24
Disney Girls Toddler Doc McStuffins 2 Piece Polka Dot Pulloverhood and Pant- $13.20

Clothing Deals

Amazon Coupons
Best flight from Cali to Manilla May 9th?
Added on : Friday April 04th 2014 04:00:12 AM
g: 0 Posted By: clevekdi1
Views: 32 Replies: 0 Hi
I have been searching for flights from Cali (san fran, LA. whatever) to Manila for the past month and have been unable to find any great deals. I'm wondering if the fatter wallets out there( I still got it) know of some better search engines or travel specials. We are up to fly out of ANY mainland U.S. state if you think you know of a cheaper one

I am looking to go around May 9- May 25 and am a bit flexible. Not many flights under 1k per person. Plus we have an infant and only a few airlines(China Air, EVR for sure) offer 10% lap seat. Some airlines make you pay 50% and some full price (without a seat).

I have tried kayak, Orbitz, Travelocity, Travelzoo, Airfare watchdog and others but still only see $950+ per person.
Are there better engines designed for international air? CheapOair shows the best price, but better times are gone.
We should have flights of under 20 hrs each way, but I am not going to save a few bucks to sit in an airport 35 hours.

Any help would be greatly appreciated.
Air Travel Deals
$10 Hollywood Movie Money Admission for 600 DMR points
Added on : Thursday April 03rd 2014 09:00:06 PM
g: 0 Posted By: RyanKel
Views: 198 Replies: 2 600 points for a $10 Hollywood Movie Money admission to any movie. It's a bit more in terms of points than last year, but I have a few thousand DMR points. Limit of 4 tickets.

They also have $5 Hollywood Concession Cash available for 300 DMR points. Limit of 4.

Link to the redemption pages: $10 Hollywood Movie Money
$5 Hollywood Concession Cash

Totally Free Deals
Get a $1,776 Mac software bundle for $19.99
Added on : Thursday April 03rd 2014 06:00:03 AM
g: -2 Posted By: JayMatt19
Views: 323 Replies: 0 Link to Deal
The MacHeist
Apple Design Award Bundle
Every year Apple presents a few select developers with their coveted Design Award.Weve pulled together the cream of the crop into a magnificent bundle at an unprecedented value.For the first (and possibly last) time ever, were offering a bundle worth over $1,700.00 for over 98% off. Thats right, this bundle is at the frankly ridiculous discount of more than 98%, for some of the best software around, as judged by Apple.So feel free to explore the bundle by clicking on the icons above to find out more about each app. An opportunity this big doesnt come around every day, or even once a week dont be the only one to miss out!need an Origin account to download and install the game.
Software Deals
g: 1 Posted By: bxd20
Views: 199 Replies: 2 Hello.

I know this is a big enough event that I should seek the advice of a lawyer, andplanning todo so, but right now I have a few minutes so I thought I'd post this here and perhaps get some angles/suggestions that even a lawyer wouldn't bring up.

What started as seeminglybenign digestive system complaints for my mom(a couple scope tests came back clear), kept getting worse. The doctors finally ordered a CT scan which revealed ovarian cancer that has spread. They are scheduling surgery for one week from today, followed by chemo. If they open her and find the cancer has spread more than the CT even shows,it's all about buying time for her at this point.

I am the only child. My dad is still alive. Mom and dadare both elderly and only have Medicare part A (the level that everyone gets).

Sorry if these questions aren't organized very well, it's a very emotionally difficult time for us.

1. We are not concerned about medical bills in the range of 4 figures or even low 5 figures.My parents have a decent amount of assets (mid 6 figuresif everything is included). If I understand Medicare correctly, the hospital stay will be covered up to 60 days, and their portion will besomewhere around $1300. After 60 days it's about $300 a day. Does the surgery itself fall underthis 'hospitalization' category byMedicare? I would assume so. Surgeon says she will be in hospital 7-10 days. If she's not as covered as I think she is, is there any way to get a very high deductible catastrophic coverage plan, even with preexisting condition, on extremely short notice? Does Obamacare help at all here?

2. My next focus is on protecting the assets if surgery doesn't go well and she requires long term nursing home care. I know the 5 year rule about gifting. How are joint accounts handled when assessing for Medicaid eligibility? In other words... she has some joint accounts where I am named with her, on some her brother is named, on some,her husband (my dad) is named. I think there is one investment house (rental property)with her and her brother on it. Would all of these joint assets be 100% at risk should the bills mount? Or is a joint account viewed as 50/50 in ownership? What if we go to the bank and remove her name from a CD - I assume that triggers the 5 year gift timer? Or is that somehow OK, if they've been joint on the account over 5 years?

Again - I apologize if I asked any dumb questions. Sometimes FW members come down hard on people. Please try to go easy on me. My parents haven't really wanted my help/advice in the area of financials. Sure, in retrospect, they probably should have been carrying supplemental insurance. At this point I need clear heads to help me through a dark time in my life.

I greatly appreciate your time and thoughts.
Personal Finance Deals
Car Auto repair
Added on : Thursday April 03rd 2014 04:00:12 AM
g: -2 Posted By: jblake86
Views: 117 Replies: 8 Honestly I am not sure that this is the best place to post for this, but I am going to try. I am having some auto work done on my vehicle. (Head Gasket Blew). Cost quoted by shop $2080 which includes a few nice to haves which drove up the price a bit, but I was wondering about tactics to get a discount. I am thinking about asking for a cash discount, but I wanted to see what the FW community thought about this?
Personal Finance Deals
Timing Student Loan and Credit Cards
Added on : Wednesday April 02nd 2014 06:00:07 PM
g: 0 Posted By: InANutshell
Views: 142 Replies: 0 Hello:

I've read through the FAQs, guidelines, and some other helpful posts as well as searching the forum, but I did not find something directly answering my question.

I am planning on opening two credit cards (by August, one hopefully in the next week or so but can wait on the other). I am in grad school and thus will also be applying for a student loan in the next few months.

I am curious as to the timing of these requests. It seems best to apply for the student loan (since the interest directly relates to my credit score), then the cards. I read on the FAQ (I believe it was there) that you recommend trying to obtain all new credit on the same day, but then in another part of the stickied posts, there is a recommendation to wait at least a few weeks or months between new credit cards.

Would it be more advisable for my to apply for a student loan and both cards in one day or to space it out in some other manner? I am also hesitant about applying for a private loan so early when the federal rates have not come out, but I usually have a high enough credit score that my private rate is lower (plus no origination fee and graduation forgiveness) - but that's another matter.

Thanks in advance!
Personal Finance Deals
Found Old Will from Deceased Grandfather...How to Proceed
Added on : Wednesday April 02nd 2014 05:00:09 PM
g: 0 Posted By: abracadabra1
Views: 207 Replies: 3 My family recently found an old will belonging to my grandfather (he passed away in the 1980s). The will lists specific assets (to include account numbers) and how those assets should be apportioned. Some of the accounts listed are with firms that have been absorbed by larger institutions. Some of the accounts are listed with institutions in other countries. I planned on trying an initial inquiry via telephone and later a certified letter with the single US-based institution that absorbed the firm that originally held his account. However, I'm pretty clueless on how this might trigger probate.

Any advice/suggestions are appreciated.

A few additional notes:
- My grandfather had several children across 2 marriages.
- His will was never notarized or affirmed by additional parties.
- The size of these assets are unknown, but not expected to be significant.
Personal Finance Deals
$5 off $30 itunes gift cards at Safeway
Added on : Wednesday April 02nd 2014 03:00:02 PM
g: 0 Posted By: alohastephen
Views: 0 Replies: 0 Easter Special: Just found this at my local safeway store.$5 off a $30 (or more ) purchase of itunes gift cards from today (April 2nd) thru Easter. .

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

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

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

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

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

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

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

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

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

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

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

Thanks for the advice master FW negotiators!

~~~
P.S. Given the choice, I'd rather contract rather than take the full time position, as I don't think this company is particularly well run from top management. Also, taking contract allows me to be in a better position in case the company decides to just string me along and pay me my higher requested salary until they can find someone to fill my shoes. That's why I mentioned it first (along with the fact that my proposal to $112k salary from $80k then seems cheap in comparison).
Discussion Deals
Small Business Full Service Payroll Providers? (2014)
Added on : Wednesday April 02nd 2014 09:00:09 AM
g: 0 Posted By: nhokt
Views: 119 Replies: 0 I've looked through the older threads but pricing and quality seems to change often. Looking for any feedback others may have using a full service payroll provider for a small business (we have 5 employees). Yes, I could do it myself but that isn't something I'm interested in due to a few factors.

We are on standard Paychex now and their pricing is getting ridiculous.

Intuit Payroll through Costco seems like a safe and reasonable option
SurePayroll has pricing similar to Intuit but quality of service seems suspicious.
ADP Run is also a bit pricey.

Any other providers worth checking out?


General Economics Deals
Would you sell a used defibrillator?
Added on : Wednesday April 02nd 2014 07:00:09 AM
g: 1 Posted By: Treefarn
Views: 121 Replies: 2 I have been selling stuff on eBay for a few years, mostly phones and electronics. Knowing this, as my father winds down his business operation, he has been bringing me office electronics and things to try to sell for him. Today he brought a defibrillator.

He states its never been used, though obviously it is not in its original packaging, as it was mounted on the wall of the office warehouse. The battery still shows as functional (its got a blinking light to show its still powered). The pads are expired but can be purchased from the maker. It sells used for > $1000.

While the 'let the buyer beware' policy is always in effect for used merchandise, I feel a little leery selling this. If a phone I sell doesn't work, someone can return it. If it doesn't work 6 months later, buy a new phone. If the defibrillator fails, someone's dead. Am I liable? No idea.

Would you sell this? Am I right to be cautious? (And would you want to work in an office that buys used defibrillators for its employees?)

​(I put this on this forum (rather than online auctions) as I am concerned about the liability, not the mechanism of sale).
Discussion Deals
How Do CC Grace Periods Work, After You Lost It?
Added on : Wednesday April 02nd 2014 05:00:13 AM
g: 0 Posted By: robronson
Views: 48 Replies: 0 I screwed up and was $5 short on paying a large CC balance down in full because I paid from several checking accounts, wasn't paying the full total due, only the "statement closing due". It's not the end of the world because it's not a "late payment", I paid the "minimum amount" on time. But it did cause me to lose the grace period on new purchases which cost me a few dollars in interest.

Once I realized that, on the following statement, I started paying the CC down on a daily basis. It's a card I use for reimbursable business expenses so rather than wait for my next paycheck to pay, which I usually do, I paid daily to keep the average daily balance down as low as possible. I didn't switch credit cards because this one gave me the best rewards so even owing a few dollars in interest, it's worth the $100 in rewards I'm getting per month.

My question is: when do I start getting the grace period back so I can stop paying daily? I overpaid my account so it has a slight negative balance (of $10), switched to another CC for the last few days to keep anything from dropping, and the statement closes today. So I'll have a $0 statement due balance for my April 2nd statement/closing date.

Does this mean my grace period is back immediately? Or do I need to wait until April 26th, which is the due date of my April 2nd statement, because on April 26th, I'll have "paid the statement balance in full, on time"?

This is the first time in my life I've ever not paid the full statement due amount on time and I feel stupid. Now I don't know how to fix it. If I just roll the dice and hope the grace period comes back tomorrow, then I'll owe $150 in CC interest based on my monthly business spend and high interest rate. That's why I don't want to just call customer service because if they are misinformed and tell me it's back, but it isn't, I'm on the hook for $150 and there's no way for me to see online until my statement closes, how much they are counting as a balance with interest accruing. I don't want to keep paying my bill daily for ever because there's still a small average daily balance that will get hit with interest and also it's a hassle. If I need to simply stop using the credit card for a full month until it resets, then I can do that but I'll lose $50 in rewards points since this pays much higher than my other cards.

Credit Deals
g: 0 Posted By: SieSilverStars
Views: 186 Replies: 0 The Beats by Dr. Dre Studio Over-Ear Headphones in white, are on sale at Newegg for $209.99 with free shipping.

Linky

Use $40.00 off coupon code "CEWK792" during checkout to receive the discounted price.

The next lowest price I could find for these in the forums, posted here, was a Newegg Shellshocker for $239.
Next lowest price on Google Products right now from a rated merchant is $279.99

Review: 4/5 stars from CNet and 7/10 stars from TrustedReviews

Headphones & Speakers Deals

Newegg Coupons
Free Kindle Book- The Old Car Nut Book
Added on : Wednesday April 02nd 2014 03:00:09 AM
g: 0 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/The-Old-Car-Nut-Book-ebook/dp/B00ENK6B06

4.9 out of 5 stars (27 customer reviews)

The Old Car Nut Book was designed with the idea that EVERYONE in the old car hobby has a story or two to tell. It provides a place for people to tell those stories that often dont get shared outside of a garage or with a couple of buddies from the back fender of a special ride during a car show. These are stories from regular Old Car Nuts from across America.

Contributors range from people like the average Joe at a car show to collectors and restorers that are very well known and respected in their local communities. These individuals have spent a lifetime of buying, selling and admiring old cars and while some of them were not that old when they started admiring them, both and the cars are older now!

The stories in this book tell about the contributors experiences from the time that cars first caught their eye up to their latest project and reveal the people and events that made an impact on them.

The Old Car Nut Book is about people and it gives readers an opportunity to find out more about like-minded people that they may never hear about otherwise. Some of the stories in this book are of people finding garages storing timeless classics, those barn finds that have always been sought after, or of rescuing jalopies rotting away in open fields or under overhanging trees and being used as chicken coupes. Some of those cars were restored and some only needed to be preserved. Others were discarded, once again, in favor of an easier or more desirable project. More importantly, youll read about the emotions, decisions, and adventures that went along with them.

Youll read about the first ride in a hot rod, the first time driving, and double dates in old beater cars available to young and nearly penniless teenagers many years ago, and how some of those old beaters are now priceless classics that sell for big bucks. First car stories are a few page flips away.

Many of the storytellers reveal how dreams of building cars began at an early age, starting with models, bikes, scooters, or dune buggies. Several painted cars with their mothers vacuum cleaners in the back yard. More than once, youll find the authors of these stories lament, I wish I still had that car!

Old Car Nuts come in all shapes, sizes, and varied levels of interest and involvement and for many, speed, and power were the things that mattered as they moved through life. Some raced and some watched. Some wrenched and some drove. Some raced at the track and some on the street. Some went to extremes to win and some were happy just making a run whether the outcome was the thrill of victory or the necessary agony of the occasional defeat.

A few witnessed historical moments and several played a part in building iconic cars. A handful of these guys cars made their way to private collections or museums and a lot of them wound up dismantled for the valuable parts.

Youll find that you will enjoy reading these stories over and over again and will want to share them with friends and family, as well. You'll laugh and you'll cry. You'll step right into the past with each story told. For now, dig in and enjoy!
Totally Free Deals
Need advice on condo conversion and renovation.
Added on : Tuesday April 01st 2014 10:00:10 AM
g: 0 Posted By: mysteryAgain
Views: 78 Replies: 3 I live in NYC. The rental building where I've been living for the last 5 years is undergoing condo conversion. Around December of 2013 the new owners circulated a red herring offering under a non-eviction" plan, Furthermore, until December, every new lease contained early expiration clauses that required tenants to leave with 90 days notice.My lease does NOT have this clause and will end this August. Ever since December no new leases were signed or renewed.

Current management is doing everything possible to get rid of current residents within the aw. That includes excising 90 day clause, not renewing leases, and allowing current lease holders moving out earlier prior to lease expiration(which is nice).

Recently, they commenced construction work demolition of vacant units on the some floors, which creates noise and vibration during working hours, never mind smell.My apartment is a floor above it, and it adversely affects both life and work, as a few times a week Iwork from home. Unfortunately, moving out right now is out of the question.

I wonder if I can suspend my rent payments or have another legal recourse during the constructions period.
Personal Finance Deals
Are Restocking Fees Legal without prior notice
Added on : Tuesday April 01st 2014 09:00:07 AM
g: 0 Posted By: kdjl1
Views: 188 Replies: 9 An ink company called and wanted my company sample their product. I informed them that we do not use much ink and it may take a few months to use it. The salesperson insisted that we would love their product and wanted to mail the ink. Unfortunately, we are not happy with the ink and want to return the remaining unopened ink cartridges. They informed me that we owed a $40 re-stocking fee.

This company is in California and we are in Tennessee. Based on my research, California companies are required to inform customers about a restocking fee prior to a purchase (in the store or online). We want to return the ink, but the company refuses to accept the product back, stating that they would not accept a products that are 60 days old. No where on the invoice does it indicate that there is a restocking fee or any other payment terms. What would you do in this situation? Should I just mail the ink back to the address printed on the invoice in hopes that they will accept the package?
Personal Finance Deals
What to do with money. Help!!!
Added on : Tuesday April 01st 2014 05:00:14 AM
g: 1 Posted By: raymondanthony
Views: 108 Replies: 2 I am 37 and married to my wonderful wife (she made me say that) who is also 37. We both have decent jobs (70k each a year) and we also own a small photography studio that brings in about 25k. We each have about 60k in a RothIRA. My wife also has a nice pension through the State of MA. We have a one year old daughter that we just started a 529 on. Our house is paid off, both cars are paid off and we have no Credit Card Debt. We currently have about 200k in the bank sitting in a savings account making nothing. I am really trying to figure out what to do with this money. I was laid off a few years back and that put a real scare into me to the point where I am afraid to make a real risky investment. Therefore I would love advice on an investment where I can take the money out if something major ever happens. I looked at some 5 year CD's at 2.6% but there are major penalties if you take the money out early. Any advice would be appreciate. Thanks in advance.
Personal Finance Deals
g: 1 Posted By: looking4deal
Views: 130 Replies: 0 I just log into my AEaccount and saw some new statement offers, some of them are for everyday charge for many people. To name a few:
BP 5 off 30
Lowe's 10 off 50
iTurn 5 off 5 or more
Petco 5 off 25
PETsMART 5 off 25
Sport Authority 10 off 50
Hampton Hotel 25 off 150


Services Deals

American Express Consumer Coupons
g: 0 Posted By: jaylesh
Views: 137 Replies: 5 Hello,

A few months back, we started noticing cracks in quite a few places in our NJ home. But then we noticed that the cinderblocks were crumbling apart that made up our retaining walls located in our outside backyard (which is located on a very steep hill) That's when we took it upon ourselves to call a friend of ours over who is a structural engineer-- he stopped by the other day, and all of our fears were realized with what he said. He stated the following: -The retaining wall was built at surface level -There are four distinct cracks in the foundation already -the engineer could literally put his hand underneath parts of the foundation. He stated instead it should have gone 6-12 feet deeper. -there are many mortarless joints that were installed improperly -Pins are not in place correctly either, and the cinderblocks are now bulging -There was no drainage system installed for the retaining wall...In order to rebuild the two or three retaining walls that take up the back portion of our property it'd cost 30,000$ minimum (money we don't even come close to having)
With that being said, my questions are:
Do we have a case to sue the developer we bought it from?
How about a case against our town for inspecting it improperly?
Should we get homeowner's insurance involved? I've read and heard that many don't cover for foundation issues, so I'm worried that if we call them up it'll be a big red flag on our account that could lead to potential dropping of coverage...
Any and all insights/advice would be greatly appreciated. Thanking you in advance,
Jason



Question Deals
g: 0 Posted By: jasclark
Views: 13 Replies: 0 http://www.amazon.com/SPEED-trade-PGI-225-Compatible-Cartridge/d...


was: $35.99
sale: $17.99

1 pack includes 4 Large Black, 4 Small Black, 4 Cyan, 4 Magenta, 4 Yellow


features:
Canon PGI-225 ink tank contains 21ml, yields up to 340 pages per cartridge @ 5% coverage. Canon CLI-226BK ink tank contains 11ml, yields up to 450 pages per cartridge @ 5. Canon CLI-226 Color ink tank contains 11ml, yields up to 510 pages per cartridge @ 5.
Compatible Printers: PIXMA iP4820, PIXMA MX882, PIXMA MG8220, PIXMA MG6120, PIXMA iP4920, PIXMA MG5120, PIXMA iX6520, PIXMA MX892, PIXMA MG8120, PIXMA MG6220, PIXMA MG5220, PIXMA MG5320.
Print Effectiveness: Make printing smoother, natural looking images and fewer granularities, producing best looking prints ever. Inks stop to come out automatically when printing is over.
Cheap source to update your vehicle NAV DVD for $49
Added on : Monday March 31st 2014 12:00:02 PM
g: -3 Posted By: z3n
Views: 790 Replies: 5 If you are like me and have an older car with a NAV and want to update to 2014 maps, then you should considerNAVDVDS.COM

Most makes look to be $49 + shipping ($8.01 for me)...

I bought the2014 Infiniti Navigation System DVD v7.9for my 2006 M35, which was $149 from Infiniti's website (same exact graphic on the DVD).

Sure, I can use my cell phone's Google MAPS, but this is easier and don't have to worry about unlocking the phn every few mins...

-z

A lot of hot opinions on vehicle navs on the Honda/Acura Nav thread

Updated: Fair points on legality,legitimacy, and authenticity of this site... Updated thread to remove those statements... Buyer beware...

BTW, a 'hot sports opinion' aka "HSO" is a "ticketism" from a sports radio station in Dallas...

Services Deals
Cheap (Legal) source to update your vehicle NAV DVD for $49
Added on : Monday March 31st 2014 09:00:07 AM
g: 0 Posted By: z3n
Views: 311 Replies: 1 If you are like me and have an older car with a NAV and want to update to 2014 maps (legally), then you should go to NAVDVDS.COM

Most makes look to be $49 + shipping ($8.01 for me)...

I bought the2014 Infiniti Navigation System DVD v7.9for my 2006 M35, which was $149 from Infiniti's website (same exact graphic on the DVD).

Sure, I can use my cell phone's Google MAPS, but this is easier and don't have to worry about unlocking the phn every few mins...

-z

A lot of hot sports opinions on vehicle navs on the Honda/Acura Nav thread

Services Deals
Jos A. bank VIP Sportshirts: $12 (reg ~$100) + Free Shipping
Added on : Monday March 31st 2014 03:00:02 AM
g: 0 Posted By: bittul
Views: 146 Replies: 0 www.josbank.com

www.josbank.com/menswear/shop/SubCategory_11001_10050_9237000

In cart (code 2) enter code MARSHIP (free shipping).

if getting a few, get 9 for $97.73 with code (code 1): RMNTEN

Also a great deal are their clearance Dress Shirts on sale for $20 (or 6 for $110):
www.josbank.com/menswear/shop/SubCategory_11001_10050_9327041
Clothing Deals

Jos. A. Bank Coupons
g: 0 Posted By: tallladude
Views: 172 Replies: 0 Starbucks--
Any Grande Macchiato-$2.00
Any Pastry-$1.00
at -Vons(safeway) for VonsClub members/requires adding Just4U offer atVons Just4U offer page
Expires 04/22/2014


Restaurants & Entertainment Deals

Vons Coupons
Tax-free Afghan money and 401(k)
Added on : Sunday March 30th 2014 03:00:05 PM
g: 0 Posted By: chicofuzzygrizzly
Views: 7 Replies: 0 I am going to begin work on as a NATO contractor in Afghanistan in the next few weeks. I'll earn a bit less than $90,000 in the time I'm there. My understanding is that the first $90,000 earned there is tax free.

So the question is, should I contribute any of my money to a 401k plan? Roth 401k is not offered. Limited match. I'm already going to be contributing my $5500 to my personal Roth. The benefit of 401(k) plans, of course, is that they are tax deferred. If I pay no tax on the salary, it seems to me that i shouldn't put anything into to 401k to pay taxes later.

What do you all think?
Personal Finance Deals
Lego Star Wars Super Pack (66473) $80 Shipped
Added on : Sunday March 30th 2014 04:00:04 AM
g: 0 Posted By: rsiemens
Views: 159 Replies: 0 Looks like Toys'RUs forgot to jack up at least one price with their new 20% "FRIEND20" promotion. Lucky for us...

Lego Star Wars SuperPack 66473 for $80 shippedenter "FRIEND20" for 20% off while checking out. It works on sale items too this time, but there's few great deals: this is the stand out. Worked out to $87 with tax for me.

This contains 75019 AT-TE Walker, 75016 Homing Spider Droid, 75015 Corporate Alliance Tank Droid. Reasonably good prices for those are about $65, $25, $15, which makes this a really good deal.

Toys Deals
Need Advice on Wife walking away
Added on : Sunday March 30th 2014 02:00:04 AM
g: 0 Posted By: Mrtelevisionguy
Views: 7 Replies: 0 Welp my wife has finally cracked up. Walking away from the kids and I. Midlife crisis or some crap. Missed her drinking days....
Sticking me with a big mortgage and debt.

My question is the following.
I CAN swing the mortgage and debt BARELY. If I pay minimums I might have 300 at the end of the month. I do get OT sometimes and that does help but it isnt always there.
2nd job might be an option sometimes, but I work weird hours and then there is the kids.
Luckily I can work from home at this point.

Do I
A. sell the house and pay off debt and then be forced to split any leftover funds.
B. see what happens and pay what I can and stay here. Maybe even default on some.

I live in a good area with nice house. Can sell it I think without an issue. I can also borrow against my 401K which I really dont want to. I just started it a few years ago and only have enough to borrow against for half my debt.

I like where I am and I can find something I am sure for less money that is smaller. I also have a ton of crap that I can liqudate here and use that money to pay off debt too.


Any ideas? yes my grammer sucks. Not my speciality
Personal Finance Deals
Trying to sell property
Added on : Saturday March 29th 2014 06:00:08 PM
g: 0 Posted By: Sania
Views: 135 Replies: 3 I am trying to sell a piece of land which I purchased while market was at the peak in 2005. Due to personal financial crisis I am trying to sell it. When I looked at the market rate, it seems that I am not going to get the purchase price. So to try to save some money from the realtor commission, I am trying to sell it myself. While looking up online I found few web sites which helps the people who wants to sell by themselves. Here is one example: http://www.mlsmyhome.com/. They will charge some flat fee to create an MLS number and add it to the master database.

I wanted to know from my fellow Fwers, does anyone sees any catch with this? It is too much work that a normal person can't deal with? Any feedback will be greatly appreciated.
Real Estate Deals
All Simplehuman products over 50% off Staples B&M YMMV
Added on : Friday March 28th 2014 09:00:03 PM
g: 0 Posted By: gd78
Views: 209 Replies: 0 All Simplehuman products are on clearance at Staples B&M.

Over 50% lower than Amazon price.
PLUS you can use $10/50 AND 15% off cleaning and breakroom!!

YMMV because very few Staples stores sell them.
And those that do have only 1 of each.
And the employees probably bought them already.
(If you're in San Diego, I already cleaned them out. Pun definitely intended.)

The following items are on clearance:

Simplehuman Soap Dispenser 8oz $14.50 WAS $39.99 SKU 266339
Simplehuman Handsoap Refill 34 fl oz $2.00 WAS $6.99 SKU 266337
Simplehuman Step Trashcan 10L (Model CW1180) $12.50 WAS $29.99 SKU 266334
Simplehuman Sensor Can 45L (Model ST2008) $48.50 WAS $119.99 SKU 266027
Simplehuman Bullet Open Trash Can 16 Gal.(Model: CW1407) ?? WAS $119.99 SKU ?? (I bought the only one a few weeks ago, so there was no tag)
Simplehuman Slim Open Recycler 20L (Model CW 1470) ?? WAS ~$70 SKU ?? (Employee said he bought the only one)

Don't forget to use this week's 15% off cleaning and breakroom Q
Home & Garden Deals

Staples Coupons
g: 0 Posted By: gooddealie
Views: 83 Replies: 0 The 18-packs of K-cups (most of them) are 25% off today online (daily deal) at Staples.com. The cost for most varieties is $8.99 per box.

In my coupon wallet I had a $3 off $15 and a $5 off $20 coupon for k-cups/coffee and supplies. Starbucks, Barista Prima and the usual expensive varieties are all discounted. Interestingly the 24-packs seem to cost an *extra* $2 morethan usual (extra incentive to buy the 18 packs instead?). This is not a bad deal if you just need a few boxes.

http://www.staples.com/K-Cups-Coffee-Coffee-Makers-Sugar/cat_CL164886?cmSearchKeyword=kcups
Food Deals

Staples Coupons
DRAM Claim settlement
Added on : Friday March 28th 2014 01:00:07 PM
g: 0 Posted By: DaveTheStud
Views: 207 Replies: 0 Found this, definitely worth filing.

You qualify for money if you boughtDRAMorproductscontaining DRAM (computers, printers, video game consoles or other electronic devices) between 1998 and 2002.No documentation is requiredto file a claim.

http://dramclaims.com/

Minimum each person will get is $10.00 but could be more. Need to file a claim by 8/1/14. Takes a few mins to file.
Personal Finance Deals
g: 0 Posted By: esoterica
Views: 277 Replies: 2 The Citi Prestige is now effectively a 1.6%/3.2% (dining) card if you can redeem TYPs for paid American Airlines and US Airways flights. Also now includes access to 40 different Admirals Club locations (including most major airports in the US) for cardholder and up to two guests. A nice way to differentiate the card, and combined with the $200/yr airline fee credits, makes the $450 annual fee much more palatable.

Email from Citi:

Beginning March 27, 2014, your Citi Prestige Card will feature two new benefits to make your travels all the more extraordinary.

Travel more with fewer ThankYou Points*
Your points are now worth even more when redeemed for American Airlines or US Airways flights than when redeemed for non-air travel, booked through the Citi ThankYou Travel Center.
For example, 50,000 ThankYou Points can be redeemed for a $500 hotel stay, or an $800 flight on American Airlines or US Airways (60% more value), or a $665 flight on any other airline (33% more value).*

To learn more about all the ways you can use ThankYou Points, visit thankyou.com

Enjoy a relaxing escape at airport lounges worldwide
For the first time ever, you can enjoy complimentary access to nearly 40 American Airlines Admirals Club lounges when you present your Citi Prestige Card and boarding pass.1
Plus enjoy access to a network of more than 440 Airport Angel airport lounges worldwide.2

To locate a lounge, visit aa.com/admiralsclub or airportangel.com/citiprestige

All of this is in addition to your existing benefits, including:
Up to $200 in airline fee credits3
A $100 Global Entry application fee credit4


Fine print for Admirals Club access:

Benefit applies to Citi Prestige primary cardmembers who are 18 years of age or older and are traveling on American, American Eagle Airlines, Inc. or an American Connection carrier flight number only. The primary cardmember may bring as guest(s) either immediate family (spouse, domestic partner and/or children under 18 years of age) or up to two traveling guests. This benefit does not provide access privileges to US Airways clubs, Arrivals Lounge, or Flagship Lounge facilities, or other airline lounges or clubs with which American Airlines may have reciprocal lounge or club access privileges, including lounges operated by oneworld Alliance. To access the Admirals Club lounge, the primary cardmember must present (i) his or her open and valid Citi Prestige World Elite MasterCard, (ii) his or her current government-issued I.D., and (iii) any additional required documentation. Prestige cardmembers must present a stand-by ticket or boarding pass, showing an American, American Eagle Airlines, Inc., or an American Connection carrier flight number, valid for travel on such flight. To locate a current list of lounges please visit aa.com/admiralsclub. For more information, please see Admirals Club Access Privileges for Citi Prestige in the Citi Prestige Card Terms and Conditions at citi.com/citiprestige.
Credit Deals
g: 0 Posted By: esoterica
Views: 11 Replies: 0 It looks like the Citi Prestige is now effectively a 1.6%/3.2% (dining) card if you can redeem TYPs for paid American Airlines and US Airways flights. Also now includes access to 40 different Admirals Club locations (including most major airports in the US) for cardholder and up to two guests. A nice way to differentiate the card, and combined with the $200/yr airline fee credits, makes the $450 annual fee much more palatable.

Email from Citi:

Beginning March 27, 2014, your Citi Prestige Card will feature two new benefits to make your travels all the more extraordinary.

Travel more with fewer ThankYou Points*
Your points are now worth even more when redeemed for American Airlines or US Airways flights than when redeemed for non-air travel, booked through the Citi ThankYou Travel Center.
For example, 50,000 ThankYou Points can be redeemed for a $500 hotel stay, or an $800 flight on American Airlines or US Airways (60% more value), or a $665 flight on any other airline (33% more value).*

To learn more about all the ways you can use ThankYou Points, visit thankyou.com

Enjoy a relaxing escape at airport lounges worldwide
For the first time ever, you can enjoy complimentary access to nearly 40 American Airlines Admirals Club lounges when you present your Citi Prestige Card and boarding pass.1
Plus enjoy access to a network of more than 440 Airport Angel airport lounges worldwide.2

To locate a lounge, visit aa.com/admiralsclub or airportangel.com/citiprestige

All of this is in addition to your existing benefits, including:
Up to $200 in airline fee credits3
A $100 Global Entry application fee credit4


Fine print for Admirals Club access:

Benefit applies to Citi Prestige primary cardmembers who are 18 years of age or older and are traveling on American, American Eagle Airlines, Inc. or an American Connection carrier flight number only. The primary cardmember may bring as guest(s) either immediate family (spouse, domestic partner and/or children under 18 years of age) or up to two traveling guests. This benefit does not provide access privileges to US Airways clubs, Arrivals Lounge, or Flagship Lounge facilities, or other airline lounges or clubs with which American Airlines may have reciprocal lounge or club access privileges, including lounges operated by oneworld Alliance. To access the Admirals Club lounge, the primary cardmember must present (i) his or her open and valid Citi Prestige World Elite MasterCard, (ii) his or her current government-issued I.D., and (iii) any additional required documentation. Prestige cardmembers must present a stand-by ticket or boarding pass, showing an American, American Eagle Airlines, Inc., or an American Connection carrier flight number, valid for travel on such flight. To locate a current list of lounges please visit aa.com/admiralsclub. For more information, please see Admirals Club Access Privileges for Citi Prestige in the Citi Prestige Card Terms and Conditions at citi.com/citiprestige.
Paying credit card bills with MO's
Added on : Friday March 28th 2014 04:00:12 AM
g: 0 Posted By: njdealguy
Views: 36 Replies: 1 Hi,
Over the course of past few weeks, I've racked up nearly 35k in money orders from various spending to meet different credit card bonuses, such as the Citi AA Executive card with 100k bonus. Anyways, I'm too nervous to deposit all this into my bank account if it might get shut down, as I have even more money orders to soon buy and spend. How much would be too much to either walk into the bank branch (such as Citi or Chase) to pay these credit card bills using my MO's. Would paying 10k at once to pay 1 CC at a bank branch in a single visit be considered too much and can trigger a SAR? Would it be better to make multiple visits to bank branches and make partial payments rather than large payments at once?
g: 0 Posted By: Trickracen
Views: 316 Replies: 0 Very few exclusions, please refer to coupon.
This can be used at store, online, or phone orders.
Tools & Automotive Deals

Harbor Freight Tools Coupons
Inheritance coming - What should I do with it? - Next Steps
Added on : Thursday March 27th 2014 10:00:10 AM
g: 0 Posted By: dd564
Views: 652 Replies: 11 New here and seeking some opinions.

Family
I am married. I am 41, wife is 36.
We have three kids, ages 10, 6, and 4.
We have a combined income of about $120-130k which has been pretty much the same (due to job changes on my behalf (loss of job, working contract, down time, etc).

Houses
We have two houses. One we live in. Value about $450-500k. The other house is our old house which we rent out. Value about $250-300k.
We owe about $315-320 on our primary residence, and about $165k on the rental.

Debt
Mortgage payments are both 30 year.
Primary 3.5% payment of about $1460
Rental / investment house 5.5%(?) payment of 1190.
We have two vehicles both of which we bought brand new. One is a 2005 minivan. Paid off. The other is a sedan bought in 2011. Making payments of $350 a month. 1% interest.

Rental Income
Income on the rental is $1850 per month on a 2 year lease.

We have about 90k in IRA's. 20k of that in a ROTH IRA.
We have another 100k in investment accounts.
We have another 25k in an emergency cash fund.

Both her an I both contribute to a 401k at company match levels. (6% for me. I think 4% for her)

Our monthly payments are mortgages, taxes, insurance, etc.
We eat out once or twice a year for an actual dinner out.
Otherwise a few $5 meals when traveling going through a drive thru.

We just stated saving $800 a month to go into investments monthly now that our cash reserve is where it is.

Inheritance
I've been notified that I'm likely to receive a sum of money through an inheritance. (Say maybe $50k).
What would be your next steps?

Pay down the rental property at 5.5%
Invest more in investments and pay off the mortgages slowly. (Tax deductions and the lower rate seem traditionally low).

Thoughts?

Mortgages are $1450 on the one we have
Personal Finance Deals
Discover CashBack National Car Rental Certificate
Added on : Thursday March 27th 2014 08:00:08 AM
g: 0 Posted By: bargainhunter3
Views: 53 Replies: 0 I've been trying to find info on this for a few days. I was looking to rent a car next month. I'm happy to report the following.

My rentalis a 1 way from HHH to AGS for 1 day. My base rate was $40.11. I went to Discover, got the national car rental certificate and put it in at nationalcar.com.

My subtotal was $0.00. After taxes and fees. It turned out to be $8.89!
My mom is renting a one way out of Florida for $9.95/day. If you're over 4 days (My mother is for 6). Her total came out to $48.xx after taxes/fees. It did combine with a corp ID.

It's as if it will take $40 off the base rate if it's higher than $40, at least in my experience so far.

This is an FYI for anyone who has thought about it through their Discover CashBack. I had a hard time finding good info and was nervous about pulling the trigger.
Car Rental Deals
any of you sell on eBay? What do you think of this?
Added on : Thursday March 27th 2014 06:00:15 AM
g: 0 Posted By: thetobster
Views: 330 Replies: 11 I sell a lot through the Global Shipping program, and I had a buyer contact me with an interesting idea. I wanted to see what you all think before I make any decisions.

He said he is planning to buy a lot of expensive lawnmowers for his business in his country over the next few months. Since customs fees are pretty high on expensive items he suggested that I list them as "for parts" for him at a low price. Then he can pay me the difference directly through paypal and only pay customs fees on the lower price.

To be honest I can't really see any downside to doing it this way as we both win (i save on eBay fees and he saves on customs).

Any thoughts?
Discussion Deals
g: 0 Posted By: remick
Views: 3 Replies: 0 http://www.safeway.com/ShopStores/Offers-Landing-IMG.page?

Log into your account and see if you have an eCoupon for free 6oz Liberte Mediterranee Yogurt and a free 8oz BFAST Breakfast Shake Single available to load to your account. Both coupons expire April 1st.
Grocery Deals
ThermoWorks ChefAlarm Open Box. Save $18!
Added on : Thursday March 27th 2014 06:00:05 AM
g: 0 Posted By: jaybls28
Views: 163 Replies: 3 ChefAlarm is usually $59. Open Box sale has them listed for $41. You have to use a "private" link:http://thermoworks.com/specials/32014_open_box_sale.html?

They say limited colors and quantities.

Several other products are listed, too. ThermoPop, Extra big & Loud Timer, TimeStick and a few IR guns.
Home & Garden Deals
g: 0 Posted By: jcaserta
Views: 105 Replies: 3 Hi,

So my gf backed into someone on the way to work yesterday. It was at 2 mph or something, super minor accident, but unfortunately we had the trailer hitch on. So it put a dent in their bumper. Our truck is completely unharmed.

GF basically admitted to being at fault, which is fine. Gave insurance info, the other person filed a claim with our insurance company (Travelers). She got a repair quote from the most expensive shop in the area and it was $1050 or so. I've gotten quotes from this place before for our own work and it's been 3x what other places charge but fine.

Our deductible is $1000 so going through insurance gains us nothing. And we've both been completely accident free before this. From reading online it looks like this will raise our rates by 25% at least, which we have a few high value cars so that will be a pretty substantial increase, at least a few hundred $ every 6 months.

We tried offering the cost of repairs based on that quote plus a little bit extra to the person if they retract the claim but they won't budge and say they have to go through insurance. Has this been other people's experience as well? This is new territory for me, I've never been at fault in an accident.

I'm thinking about offering them $2k or something since that will absolutely pay for itself if our premium would actually go up a few hundred every 6 months for a few years, if I do this is there any guidance from anyone as to precautions to take or if this is a good idea.

Any other input?
Personal Finance Deals
Next Steps
Added on : Thursday March 27th 2014 05:00:17 AM
g: 0 Posted By: dd564
Views: 72 Replies: 0 New here and seeking some opinions.

Family
I am married. I am 41, wife is 36.
We have three kids, ages 10, 6, and 4.
We have a combined income of about $120-130k which has been pretty much the same (due to job changes on my behalf (loss of job, working contract, down time, etc).

Houses
We have two houses. One we live in. Value about $450-500k. The other house is our old house which we rent out. Value about $250-300k.
We owe about $315-320 on our primary residence, and about $165k on the rental.

Debt
Mortgage payments are both 30 year.
Primary 3.5% payment of about $1460
Rental / investment house 5.5%(?) payment of 1190.
We have two vehicles both of which we bought brand new. One is a 2005 minivan. Paid off. The other is a sedan bought in 2011. Making payments of $350 a month. 1% interest.

Rental Income
Income on the rental is $1850 per month on a 2 year lease.

We have about 90k in IRA's. 20k of that in a ROTH IRA.
We have another 100k in investment accounts.
We have another 25k in an emergency cash fund.

Both her an I both contribute to a 401k at company match levels. (6% for me. I think 4% for her)

Our monthly payments are mortgages, taxes, insurance, etc.
We eat out once or twice a year for an actual dinner out.
Otherwise a few $5 meals when traveling going through a drive thru.

We just stated saving $800 a month to go into investments monthly now that our cash reserve is where it is.

I've been notified that I'm likely to receive a sum of money through an inheritance. (Say maybe $50k).
What would be your next steps?

Pay down the rental property at 5.5%
Invest more in investments and pay off the mortgages slowly. (Tax deductions and the lower rate seem traditionally low).

Thoguhts?

Mortgages are $1450 on the one we have
Personal Finance Deals
Free $100 NakedWines gift voucher from Mercury Magazines
Added on : Wednesday March 26th 2014 07:00:06 AM
g: -1 Posted By: outtawhack
Views: 165 Replies: 1 This has a few more restrictions than the $50 voucher, but $100 is $100. Picked up a case of wine for $30 shipped to Maryland.

$100 Voucher
Grocery Deals
g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/Art-Mental-Training-Performance-Excellence...

4.8 out of 5 stars (133 customer reviews)

Achieve the Warrior Mindset for Peak Performance.

Reach new levels of success and mental toughness with this ultimate guide.

Learn the "Science of Success" and prepare to excel. In this concise and highly acclaimed success mental training guide, peak performance Coach DC Gonzalez teaches a blend of unique mental training technologies, sports psychology essentials, and peak performance methods that are effective and motivational. Get ready to increase your self-belief, self-confidence, and mental toughness, using this powerful guide designed to help you reach new levels of success, sports performance, and personal development.

With a client list that includes top athletes, executives, actors, entertainers, pro-fighters, musicians, soldiers, doctors, lawyers, psychologists, and many more; Dan has been leading people to new levels of achievement since 1988.

This Kindle book is powerful, in it Dan explains, teaches, and helps you develop the psychological skills required for peak performance and mental toughness, while pointing out the underlying mental training strategies that will help anyone reach higher levels of achievement and performance - not by random chance, but by focused choice.

The Art of Mental Training teaches the critical essentials while interwoven with stories from his fascinating background as a Naval Aviator, Federal Agent, Military Cyber-Security Specialist, Brazilian Jiu-Jitsu Black Belt and Peak Performance Coach. Dan creates a powerful teaching connection between his adrenaline-filled life experiences and the mental skills and mental training that make all the difference.

Learn to access your true potential, control your state and excel even under extreme pressure

Enhance performance by transforming the negative energy generated by nervousness and fear into shatterproof confidence

Improve focus and concentration for positive results often instantly with battle-tested mental training techniques

Learn the psychological factors that will help you view set-backs as opportunities to create lasting positive change

Enhance visualization techniques and create success imagery loaded with feelings and emotions that will generate powerful results

Understand what to practice and which success conditioning exercises will vastly improve your self-belief, self-confidence and performance

Gain insight in to the coaching psychology behind redirecting anger energy and using it to strengthen your resolve and remain in control

Use proven sport psychology techniques to leave your ego outside your event and avoid performance choking completely

Learn to create the Ideal Performance State using Neuro Linguistics Programming and The Critical Three

Get rid of limiting beliefs and the negative critic in your head once and for all

Achieve the champion mindset and gain the mental edge over your opponents or the situation - on demand

Learn how to find the place from which peak performance springs forth

An easy read, this Kindle book is truly a guide to performance excellence written by an expert and a very unique teacher. Peak Performance Coach and Best-Selling Author, DC Gonzalez is among a very fortunate few who have had the unique experience to have learned from the late P.C. Seigel, a world-renowned sports and peak performance authority, sports hypnotherapist, and Neuro Linguistics Programming (NLP) Master Practitioner.

The lessons and techniques presented in this book are essential reading for anyone seeking more success and peak performance, whether it be on the playing field, in business, or life in general. Whatever your personal endeavor may be, whatever challenge you may be facing; these lessons will prepare you to move forward and to excel in a powerful way. Reach new levels of personal success and performance as you learn, practice, and apply these powerful concepts and proven techniques.


Totally Free Deals
g: 0 Posted By: Deals4mykids
Views: 148 Replies: 0 Amazon has dropped the price on Coombs Family Farms 100% Pure Organic Maple Syrup Grade B, 32-Ounce Jug to $21.00 with free Prime shipping.

Check out with Subscribe & Save & pay just $19.95 (62.3 cents per oz)
Subscribe & Save with 5+ = $17.85 (55.7 cents per oz)
Subscribe & Save with 5+ and Amazon Mom $16.80 (52.5 cents per oz)
$21.00 is the lowest price it has been (with Amazon.com as seller) for this organic version of this syrup, according to camel3x.
Dating only goes back to mid-2012 for this "frustration free packaging" 32 ounce option.
However, apparently around 3 years ago, the "standard packaging" 32 ounce option was on sale for around $14 according to a couple of previous threads.
Interesting to note that the Coombs Organic version is consistently in the #1 spot in Maple Syrup Bestsellers, and the Coombs regular version is usually a few spots down from it, even when pricing is the same for both.
Apparently organic is definitely preferred

http://www.amazon.com/gp/product/B0083QJU72
Grocery Deals

Amazon Coupons
Issue in opening chase new checking account with bonus
Added on : Tuesday March 25th 2014 05:00:06 PM
g: 0 Posted By: mgupta001
Views: 97 Replies: 0 So i caught up with chase checking account bonus churn yesterday. Last 4 times i have persuaded my wife as usual to open the checking account to get the checking account bonus and closed the account after 6 months.
This time we reached to the branch with the $200+$200 checking & saving account coupon to open both accounts. After the initial conversation, the banker started with the account opening process. In between she left to call the branch manager. The manager looked up the screen and said she had 3 accounts in the past. for that my wife responded that those must have been closed. The branch manager started looking at few more information on the screen and came back to us that all those accounts were opened with a bonus coupon and was closed right after the 6 months. he mentioned all these are noted on her profile. Then he asked was this for only to get the bonus for which my wife responded no.
he went on asking what makes you open a new account and what is the guarantee you will continue using after 6 months. For that my wife said we are planning to buy a house and wanted to open a saving account for the down payment.
Apparently the BM was satisfied and said the banker to go ahead as we will get 1099 anyway.

After that other banker came over to help us in opening the account. not sure what z wrong with the previous banker, she said she has to leave. but we found she was still there helping other customer when we were leaving. i wrote a check for $17K as i was planning to keep that money in the account to avoid the maintenance fee. I insisted him to print the tracking information for the coupon for which he confirmed to do that. however i couldn't find the tracking information in the final paper work which he handed over to us. I asked him again to print the tracking information for us. Apparently he tried to print the screen but the print failed for some reason. he showed me on his computer that he has redeemed the coupon and we will get the bonus.
when we were leaving the bank, the banker who helped us was giving high five to the manager. not sure why.

Now question is:
1. will she get the bonus? we do have the coupon which the banker used for the account opening. In worst case we will call him and inquire.
2. Is the churn over for her. She is anyway totally pissed off and most probably wouldn't be opening the account again. Is it a good idea to keep the account open now on as she may not be able to open a new one later on?
the banker was asking her to apply for the credit card as well as she was pre-approved. she didn't take that offer.
3. I am also about to open the similar account in few days. what should be my strategy?

DataPoints:
1. my wife doesn't have any other relation with chase .. i.e. no credit card
2. This is the same branch she used in past to open her last 3 accounts.
3. I have chase freedom & sapphire card.


Credit Deals
g: 13 Posted By: st4rdust
Views: 1003 Replies: 10 JLab Audio is offering a Grab Bag for $5.00 plus shipping. Shipping adds $2.50 per bag. You can check out via PayPal or credit card. Limit 3 per customer. 3 bags, including shipping, will be $22.50.

Click here
Enter "rockitout" for the password
Add to your cart and check out!


Possible products include new JLab Earbuds, Crasher Bluetooth Speakers, Bombora Headphones, VOLT chargers, Bouncers, Shakers and more. Includes one year warranty. No returns.


Note: This deal was announced via JLab's Facebook pagea few minutes before I posted this deal. I'm assuming that they made a separate site specifically for the grab bag, considering all the traffic it is receiving.

There's a good chance you'll be paying for what you get- that is, a decent price for a decent pair of headphones. Here's an Amazon searchfor "JLab Earbuds" - depending on what model, the value changes, but most pairs have 4+ stars.

The possible higher end items are worth much more than $7.50 - for example, the Crasher speaker is currently $59.98 with 4.2/5 stars on Amazon (link). The Bouncer is $95.49 with positive reviews (link) and a VOLT battery charger is $49.99 (link).

Bottom line is you'll be taking a chance, and the payoff could be very worth it Good luck!
Headphones & Speakers Deals
Intex Classic Downy Queen Airbed - $14.90 @ Amazon
Added on : Tuesday March 25th 2014 03:00:04 PM
g: 0 Posted By: hellokitty27
Views: 176 Replies: 1 Amazon has the Intex Classic Downy Queen Airbed for $14.90 w/ free Super Saver shipping on orders $35+. 3.4/5 stars based on 107 reviews.

Location, temperature, and humidity will affect the airbed's firmness. Airbeds will need to be occasionally re-inflated (topped off) to maintain desired firmness when used for more than a few days as vinyl tends to relax over time.
Measurements will vary based on customer's inflation. Airbeds are measured from the widest point including the beams (bulges) on the side and off the tallest point from the floor including built-in pillows if applicable.
Inflatable queen-sized airbed for indoor and outdoor use with hi-output manual hand pump
Cozy flocked top cleans easily and is waterproofed for camping use
Wave beam construction for a uniform sleeping surface
2-in-1 valve with extra-wide opening for fast inflation/deflation
Measures 60 by 8.75 by 80 inches (WxHxD); 600-pound weight capacity

Bedding Deals

Amazon Coupons
Health Insurance - UCR vs PPO - Huge Medical Bill
Added on : Tuesday March 25th 2014 06:00:25 AM
g: 0 Posted By: Lappie
Views: 68 Replies: 1 I do everything I can to avoid a doctor, but im getting older. I have insurance through my employer which is a PPO that uses
PHCS and Multiplan. I had to have a procedure done in December 2013 that required outpatient surgery. The necessary
pre-authorizations were obtained and all doctors and the hospital were in-network. My individual deduct is $500 and
80% Co-Ins for the plan. I thought it was pretty good.

I am now getting balance billed by the hospital for $11,000 because my insurance processed the claim using
"Reasonable and Customary Charges." I was told by my insurance company have the right to use PPO or UCR in deciding what to pay.
Of course, I have never run into this before because I dont usually require this, however, moving forward, I may.
I see of the claims, for the surgeon and anesthesiologist, are also being done this way, so I expect to owe
a few thousand there as well.

Of the approx $20,000 bills, the insurance covered about $5000.

Any help on this matter is appreciated. If nothing else, let this be a warning to you who have plans to check
your documents to see if this craziness is applicable to you. In addition, the UCR deductions are not
applicable to max out of pocket, so its payable to the provider at 100%.

This is an expensive lesson learned.
Personal Finance Deals
g: 1 Posted By: remick
Views: 154 Replies: 0 http://www.amazon.com/Essential-Posing-Secrets-Target-Training-e...

4.5 out of 5 stars (93 customer reviews)

Revised Edition!

Once you understand the way all the knobs, switches and buttons on your camera work, POSING is the fastest way to take your photos out of the realm of snapshot and make them truly look professional!

AND IT'S EASY! After reading this clearly written, easy to understand, illustrated lesson, you will be posing like a master in about an hour! (Actually less but I didn't think you would believe me!)

Here is the table of contents...

Introduction
The Portrait Shape
Using The Rule Of Thirds
Fill The Frame
Follow The Eyes
Where To Focus
What Is Beauty?
Make Women Pretty - Men Handsome
A Symmetrical Face
Clear Skin
Thin Face And High Cheek Bones
The Neck
Posing - Groups
Let's Start With the Shape!
The Pyramid
The Diagonal Line
The Diamond
Individual Posing - Body Silhouette
The "I" Shape
The "C" Shape
The "C" In Famous Art
The "S" Shape
The "S" In Famous Art
Posing the Portrait
The Pyramid In Portrait Photography
The Eyes - Where To Have The Model Look
Joints In Portrait Photography
If It Can Bend, Let It Bend
If There Are Two Of Them - Make Them Different
4 Tips To Eliminate Closed Eyes And Squinting
Shoot With The Light At Their Back
Shoot Late In The Day
Count To Three
Use A Bounced Flash - Not Direct!
Hats - Break The Portrait Photography Rules
The One Hat You MUST Include!
Photo Exercises
Additional Photo Training

Here is a bit of what is covered...

Body Silhouette - Here is where you learn how to visualize the body as a silhouette so that you can see the shape of the poses and determine which is in use.

The "I" Shape - this section examines the "I" pose and it's 4 variants. We will also learn when to use it, and when NOT to.

The "C" Shape - Here we look into the "C" pose and it's variations. We also study a few examples of the C In famous art.

The "S" Shape - The "S" is the third overall body pose that we study. This one takes a bit more effort directing the model but is often stunning in the final shot!

And more, and more, and more...

If you are tired of your photos looking boring and static and "Ho hum!"... Learning the ins and outs of posing is the easiest, and fastest way to breathe artistic life into them!

Try it, you'll like it!
Books & Magazines Deals
g: 0 Posted By: st4rdust
Views: 184 Replies: 0 altatac (via eBay) has the Hype Portable Mini Bluetooth Speaker(Assorted Colors) for $9.85with free shipping. These have been sitting at $9.99 recently, so this is a nice little price drop

I bought one myself when this deal was posted a few days ago here,and have used it every day since then while I shower/get ready for work/etc. Mine came with a carabiner. It also includes a charging cable and an auxiliary cord. The sound was way better than I expected it to be - it can get a little tinny when the volume is maxed out, but for $10 I'd say this is worth it.

4.6/5 stars based on 12 reviews herefrom Amazon, where this is currently $19.44.

Available in black, white, pink, blue, green or orange.
Unique pepper shaker design
3.5 mm line-in jack connects to portable devices
Perfect pocket sized portable speaker for travel
Compact design with powerful sound
Integrated rechargeable battery
Control Features: On/Off/Bluetooth switch
3.5 mm line-out audio jack
Music pauses when the phone rings
Bluetooth 2.0

Headphones & Speakers Deals

eBay Coupons
g: 0 Posted By: st4rdust
Views: 192 Replies: 0 Amazon has the Seagate 4TB SATA NAS Hard Drive(ST4000VN000)for $149.99 with Free Super Saver Shipping. This is an Amazon Lightning Deal and will last until discounted stock is claimed or time runs out, whichever is earlier. Ends at 4:40 CST.

4.5/5 stars based on 117 customer reviews from Amazon. See an in-depth review from Storage Review here.

A Google Shopping price comparisonshows that the next lowest price available for this is $169.99.

4TB Capacity
SATA III Interface
64MB Cache
3 Year Limited Warranty

Did well here for a few cents cheaper a few days ago.
Hard Drives Deals

Amazon Coupons
g: 0 Posted By: Deals4mykids
Views: 0 Replies: 0 http://www.amazon.com/Princess-Bride-Anniversary-Edition-Blu-ray...

TRUE LOVE: THE PRINCESS BRIDE PHENOMENON (Pts. 1 & 2) For 25 years, viewers have watched and loved The Princess Bride. But why does it resonate so strongly for all ages? This two-part featurette offers some answers, along with funny and touching tributes from Rob Reiner, Cary Elwes, Robin Wright, Billy Crystal and William Goldman just to name a few.
g: 0 Posted By: NantucketSunrise
Views: 172 Replies: 0 Ruby Tuesday has re-instituted their free birthday burger up to a value of $9!

===
A relative of mine whom I have had signed up to Ruby Tuesday's birthday treats for the last few years had a birthday recently, and, like others have in the last few months, she got an email from Ruby Tuesday saying that she could have a free dessert with purchase of a meal (I think the free dessert was a cupcake or a brownie). This was disappointing to her, because the free birthday treat used to be a free hamburger.

However, this week they sent her an email saying that they have re-instituted the free birthday burger, and didn't want her to miss out on this deal since her birthday was only a little while ago, and they included a coupon for a free burger up to $9.

I expect this turnaround in policy is related to the chain's struggle to stay afloat: http://www.fullofdeals.com/forums/deal-discussion/1334827/


======
Note: For many other free birthday specials, see these threads:

Restaurants that give FREE Meals on your Birthday (and other B-DAY deals) !! <from archives>
http://www.fullofdeals.com/forums/hot-deals/1051269/

Plenty of Free on your birthday
http://www.fullofdeals.com/forums/free-stuff/1329739/

HUGE BIRTHDAY DEALS LIST FOR ADULTS THREAD - Free or Discounted Deals - Email Clubs - UPDATED 2014 VERSION
http://www.fullofdeals.com/forums/hot-deals/1315234/

Freebies Birthday Thread - USA Birthday Freebie Listings For: Babies, Childern, Adults - Add yours here!
http://www.fullofdeals.com/forums/free-stuff/1206564/

BIRTHDAY FREEBIES - Freebie Meals, Store Discounts & More - Adults, Kids & Pets - USA/CANADA - 2009-2010
http://www.fullofdeals.com/forums/hot-deals/929497/

Birthday Freebies
http://www.fullofdeals.com/forums/free-stuff/948635/

Restaurants that give FREE Meals on your Birthday (and other B-DAY deals) !! UPDATED (NOTE: similar title, but different than the firstthread listed above)
http://www.fullofdeals.com/forums/hot-deals/62372/?start=0


NOTE:
some of these threads are old, some are recent.
not every offer listed is still current.
Food & Grocery Deals
Disney Movie Rewards (DMR) - 25pts for Second Screen Survey
Added on : Sunday March 23rd 2014 06:00:05 PM
g: 0 Posted By: Deals4mykids
Views: 154 Replies: 2 I was digging through my spam folder and found an email from Disney about taking a survey for their Second Screen feature

This survey was not appearing in my "Surveys" link in my DMR account, but when I clicked on the link it took me to the survey. A few quick questions, maybe 2 min, and it was a free 25pts.

I don't see that this has been posted before, but there are a lot of results for Disney Movie Rewards.

https://secure.disneymovierewards.go.com/login.htm?_targetUrl=ht...
Memberships & Services Deals
Transferring to Merril Edge for Boa Platinum Service worth it?
Added on : Sunday March 23rd 2014 12:00:08 PM
g: 0 Posted By: interestedinfw
Views: 5 Replies: 0 I have about 200k in a brokerage and about 40k in a Roth and was thinking of transferring to MerrilEdge for the BoA Plat Plus service? Would also move my bank accts over.

Is it worth it? I figure that way I could get better credit rewards cards, I just applied for quite a few (see my previous post -- Amex BC, Discover it, chase ink and SP, and WF VS 6mth 5% also PF Cash Reward gas) but I'm thinking of getting the Fidelity 2% because all say it's worth it. Trying to figure out some secret formula hidden here too and I guess if I transfered to Boa I could go for the Merril Lynch cards too. My credit isn't bad but is hurt because of the AOR I just did... I think my credit -- I only had the penfed card -- had to be in the 800s because it's around 750 now or my Discover it says fico is 785.

Anyway looking for suggestions, I've been literally spending hours doing all this. Thou right now I'm still in the VR game using them to do the load the usual suspects and get CashBack though only on WF so I don't burn my BC but both has low limits anyway.
Investing Deals
OFFER OVER Free Kindle Book- Backyard Aquaponics
Added on : Sunday March 23rd 2014 04:00:09 AM
g: 3 Posted By: remick
Views: 636 Replies: 3 http://www.amazon.com/dp/B008S4GIS8

DIY Aquaponics was never so easy! This 95 page aquaponics ebook covers everything you need to know to get started with your very own working aquaponics system.
It starts with the basics: What is aquaponics? What is the nitrogen cycle? How can a system coadapt two completely different types of life forms for phenomenal growth rates, simultaneously producing two viable food crops. Feed yourself. Feed your family. Feed the community. Feed the world.
Then we look at a few building plans for the most common aquaponics systems, discussing their pros and cons along the way.
Finally, we get into specifics: What are the best aquaponics fish? How many fish can effectively sustain a full system? What are the best kinds of aquaponics plants?
All of these questions and more are answered in Backyard Aquaponics Made Easy!

Table of Contents:

Introduction
Chapter 1: What is Aquaponics?
Creating a Cycle
Chapter 2: The Nitrogen Cycle
The Three Toxins
Toxin #1: Ammonia
Toxin #2: Nitrite
Toxin #3: NitrAte
Setting Up the Nitrogen Cycle in Your Aquaponics System
Speeding Up the Process
Prime Temperature Conditions
Prime pH Conditions
Regulating pH, Ammonia, Nitrite, and NitrAte
Chapter 3: Types of Aquaponics Systems
The Raft System
The Continuous Flow System
The Ebb and Flow System (Flood and Drain)
The CHIFT PIST System
Chapter 4: The Bell Siphon Valve
Chapter 5: Types of Aquaponics Fish
Stocking Density
Chapter 6: Types of Aquaponics Plants
Chapter 7: Starting from Seed
Seedlings
Seeds in Coir
Sowing Seeds Directly
Staggered Growth Method
Aquaponic Growth Rates
Chapter 8: Types of Grow Medium
Grow Media MUSTS
Most Popular Types of Aquaponics Grow Bed Medium
Chapter 9: Homemade Fish Food
Chapter 10: Vermicomposting



Also free

How To Perfect Your Water Garden with Pumps, Filters and Water Features (Water Garden Masters Series)
http://www.amazon.com/Perfect-Garden-Filters-Features-Masters-eb...
Totally Free Deals
g: 0 Posted By: bittul
Views: 19 Replies: 0 drugstore.com is taking an additional 20% off their entire "beauty" department, when you click through this link:
http://www.drugstore.com/beauty-department-offer/qxc330804?aid=338997&aparam=14wk30dsBTY20AMany great deals! (Shipping is Free with Shoprunner [=most items] or after $28 [=$35 pre-discount])I'll list some here, (find some more? Share it!)

The Merkur 34C Safety Razor was a popular deal a few days ago @ $30. Should be even better now @ $28: http://www.drugstore.com/merkur-heavy-duty-classic-safety-razor-model-34c/qxp370017?catid=183778
Pantene Pro-V Expert Collection - Advanced Keratin Repair Shampoo - 3.9 fl oz: $1.59: www.drugstore.com/pantene-pro-v-expert-collection-advanced-keratin-repair-shampoo/qxp456165?catid=183501
Adidas Dynamic Pulse Eau de Toilette Spray for Men 3.4 fl oz: $6 + FREE SHIPPING: http://www.drugstore.com/adidas-dynamic-pulse-eau-de-toilette-spray-for-men/qxp374606?catid=183368
Pantene products = Buy 2 save $2: http://www.drugstore.com/user/promo.asp?code=pantene2mar14&trx=29984&trxp1=149955&trxp2=4
de-luxe BAIN Dead Sea Bath Salts, Rosemary Mint 15 oz: 2 for $7.79: http://www.drugstore.com/de-luxe-bain-dead-sea-bath-salts-rosemary-mint/qxp227799?catid=185625
Vaseline Petroleum Jelly 3.75 oz: $1.19: http://www.drugstore.com/vaseline-petroleum-jelly/qxp13347?catid=182484
Olay ProX - Microdermabrasion Plus Advanced Cleansing System Bonus Pack: $26.79: http://www.drugstore.com/olay-prox-microdermabrasion-plus-advanced-cleansing-system-bonus-pack/qxp503835?catid=182939
Olay ProX - Advanced Cleansing System: $16.39: http://www.drugstore.com/olay-prox-advanced-cleansing-system/qxp311960?catid=182990or http://www.drugstore.com/olay-prox-advanced-cleansing-system-limited-edition-pink/qxp513601?catid=314407
Neutrogena Microdermabrasion System: $12.79:http://www.drugstore.com/neutrogena-microdermabrasion-system/qxp359945?catid=182990
John Frieda hair care items: Buy 2 save $3: http://www.drugstore.com/user/promo.asp?code=jfcare3mar14&trx=29984&trxp1=148706&trxp2=4

Health Deals

drugstore.com Coupons
Free Kindle Book- Backyard Aquaponics
Added on : Saturday March 22nd 2014 08:00:06 PM
g: 3 Posted By: remick
Views: 341 Replies: 1 http://www.amazon.com/dp/B008S4GIS8

DIY Aquaponics was never so easy! This 95 page aquaponics ebook covers everything you need to know to get started with your very own working aquaponics system.
It starts with the basics: What is aquaponics? What is the nitrogen cycle? How can a system coadapt two completely different types of life forms for phenomenal growth rates, simultaneously producing two viable food crops. Feed yourself. Feed your family. Feed the community. Feed the world.
Then we look at a few building plans for the most common aquaponics systems, discussing their pros and cons along the way.
Finally, we get into specifics: What are the best aquaponics fish? How many fish can effectively sustain a full system? What are the best kinds of aquaponics plants?
All of these questions and more are answered in Backyard Aquaponics Made Easy!

Table of Contents:

Introduction
Chapter 1: What is Aquaponics?
Creating a Cycle
Chapter 2: The Nitrogen Cycle
The Three Toxins
Toxin #1: Ammonia
Toxin #2: Nitrite
Toxin #3: NitrAte
Setting Up the Nitrogen Cycle in Your Aquaponics System
Speeding Up the Process
Prime Temperature Conditions
Prime pH Conditions
Regulating pH, Ammonia, Nitrite, and NitrAte
Chapter 3: Types of Aquaponics Systems
The Raft System
The Continuous Flow System
The Ebb and Flow System (Flood and Drain)
The CHIFT PIST System
Chapter 4: The Bell Siphon Valve
Chapter 5: Types of Aquaponics Fish
Stocking Density
Chapter 6: Types of Aquaponics Plants
Chapter 7: Starting from Seed
Seedlings
Seeds in Coir
Sowing Seeds Directly
Staggered Growth Method
Aquaponic Growth Rates
Chapter 8: Types of Grow Medium
Grow Media MUSTS
Most Popular Types of Aquaponics Grow Bed Medium
Chapter 9: Homemade Fish Food
Chapter 10: Vermicomposting



Also free

How To Perfect Your Water Garden with Pumps, Filters and Water Features (Water Garden Masters Series)
http://www.amazon.com/Perfect-Garden-Filters-Features-Masters-eb...
Totally Free Deals
g: 0 Posted By: remick
Views: 15 Replies: 0 http://www.amazon.com/dp/B008S4GIS8

DIY Aquaponics was never so easy! This 95 page aquaponics ebook covers everything you need to know to get started with your very own working aquaponics system.
It starts with the basics: What is aquaponics? What is the nitrogen cycle? How can a system coadapt two completely different types of life forms for phenomenal growth rates, simultaneously producing two viable food crops. Feed yourself. Feed your family. Feed the community. Feed the world.
Then we look at a few building plans for the most common aquaponics systems, discussing their pros and cons along the way.
Finally, we get into specifics: What are the best aquaponics fish? How many fish can effectively sustain a full system? What are the best kinds of aquaponics plants?
All of these questions and more are answered in Backyard Aquaponics Made Easy!

Table of Contents:

Introduction
Chapter 1: What is Aquaponics?
Creating a Cycle
Chapter 2: The Nitrogen Cycle
The Three Toxins
Toxin #1: Ammonia
Toxin #2: Nitrite
Toxin #3: NitrAte
Setting Up the Nitrogen Cycle in Your Aquaponics System
Speeding Up the Process
Prime Temperature Conditions
Prime pH Conditions
Regulating pH, Ammonia, Nitrite, and NitrAte
Chapter 3: Types of Aquaponics Systems
The Raft System
The Continuous Flow System
The Ebb and Flow System (Flood and Drain)
The CHIFT PIST System
Chapter 4: The Bell Siphon Valve
Chapter 5: Types of Aquaponics Fish
Stocking Density
Chapter 6: Types of Aquaponics Plants
Chapter 7: Starting from Seed
Seedlings
Seeds in Coir
Sowing Seeds Directly
Staggered Growth Method
Aquaponic Growth Rates
Chapter 8: Types of Grow Medium
Grow Media MUSTS
Most Popular Types of Aquaponics Grow Bed Medium
Chapter 9: Homemade Fish Food
Chapter 10: Vermicomposting


How To Produce 15-25 Pounds Of Tomatoes PER PLANT
http://www.amazon.com/dp/B003ES5OLK

Written by Horticulturist Tommy Smith, "How To Produce 15-25 Pounds Of Tomatoes-PER PLANT" offers the home gardener fifteen time tested and practical tips and secrets for growing bountiful harvests of ripe, juicy tomatoes.

In this guide you'll learn:
How to prepare your garden area and soil
How to use mulches to manipulate soil temperature
How to extend your growing season with free materials
The one tomato variety that consistently outperforms all others
An old secret that actually helps produce more tomatoes (aka: a wives tale with scientific merit)
Plus much more!

By utilizing all or most of the tips found in this guide, you are sure to have your best harvest of tomatoes ever and be the envy of your neighborhood!
Check was stolen out of the mail, altered, deposited.
Added on : Friday March 21st 2014 03:00:04 PM
g: 0 Posted By: burgerwars
Views: 24 Replies: 0 Short, long story: I mailed a check payment for $25 Tuesday morning. I check my checking account online at 5:00 am Thursday and discover the check cleared that night for $825. The check was washed with a new payee and amount. The altered parts are totally not how I write. Somehow stolen from the mail. I call the bank immediately. They take a report, close my account and issue me a new account number.

Question: I reported the incident within a couple hours when the transaction first appeared in my account. The bank updates stuff at about 3:00 am PT. Given I reported it so quick can the bank reverse (or stop) payment before the thief collects the loot? I do know the check was negotiated not at my bank and it wasn't a mobile deposit. I can't make out anything on the back image of the check to tell me what financial institution accepted it.

I learned a few lessons. I'll mail checks in the post office and use ink that will be harder to wash.
Personal Finance Deals
g: 1 Posted By: Solipsist
Views: 224 Replies: 0 I was checking out this deal on the Xbox One + Titanfall bundle, and after some digging around I discovered the Forza Motorsport 5 bundle for even a few cents less.

It's a pretty good deal if you want to get in but aren't interested in first person shooters in general or Titanfall specifically.

http://www.walmart.com/ip/Xbox-One-Console-with-Forza-Motorsport-5/35669540
You have to add it to your cart to see the price at checkout

Bundle includes Xbox One standard edition console pack + entitles you to a Forza Motorsport 5 download card delivered by mail.
Xbox One Deals

Walmart Coupons
Credit Card sign up for travel
Added on : Friday March 21st 2014 09:00:16 AM
g: 0 Posted By: drbrock
Views: 40 Replies: 0 Me and a few friends are all traveling to Europe in June and I wanted to know if there were any credit cards that might benefit us to sign up for. For example, if one of us put the fares on one credit card can we accumulate a ridiculous amount of points or get a hefty Cash Back therefore reducing the cost of our trip. With around 4k going out in airfare alone I would think there is a way to make this work to our advantage.


Question Deals
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/Unlimited-Streaming-Internet-your-Cable-eb...

Is it time for you to cut cable TV?


Millions of Americans have cut cable TV in the last few years. They enjoy more freedom, more control and more money. Are you ready to join them?

I have yet to meet anyone who has cut cable TV, that decided to go back. Im sure there are a few, but most find they enjoy the freedom, control and money that cutting cable TV gives them and never go back after they make the switch.

This is book three of the Keys to Cut Cable TV series.

Unlimited Streaming: From the Internet to your TV:


It gives you everything you need to know to stream from your computer or other devices directly to your TV.

Roku and media devices are great for easy streaming. However, with those, your options may be limited by the available channels. Streaming from a computer or other device gives you unlimited access to everything that is available on the internet.

It is just a matter of setting it up. For many people this is a very simple solution. For others it is a little more complicated. This book will lead you through your choices so that you can decide what you want, get what you need, set it up quickly and cut cable TV.

This book answers the following questions:

Can you hook your computer to your TV?
What do you need to hook your computer to your TV?
What types of connections will give you the best results?
Should you add a graphics card?

What about Chromecast?
What does it take to set up a Chromecast?
Chromecast vs other computer streaming options, which is better for you?

Do you want a dedicated computer for your streaming needs?

Wireless or wired connection, which is right for you?.
What is the best way to set up your wireless connection for HD streaming?
How do you set up a wired ethernet connection?

Do you want to add one or more pay streaming services?
Each has unique benefits, which one is right for you?

Get your copy of Unlimited Streaming: From thRoku and Media Devices: Easy Streaming today and cut cable TV in the next seven days

The keys to cut cable TV series gives you what you need to know to make your preferred cable cutting solution work for you. If you want information on all the best cable cutting options, in one place The CTRL+ALT+DEL Plan: Cut Cable TV in 7 days. features all the information in the Keys to Cut Cable TV series.

Whichever option is right for you. Isnt it time for you to Take Control, Find Alternatives and Delete your cable TV bill?
Totally Free Deals
g: 0 Posted By: jskins
Views: 724 Replies: 1 Clearance Items are already reduced up to 85% off or more + receive an extra 30% off.Shipping starts at $6.00 or free on orders of $75+ at Jos. A Bank. Deal Ends 3/21.


Below are a few notable items:

Tropical Blend 2-Button Tailored Fit Linen/Silk Sportcoat- $67.00 (was $450.00) (pictured)
Traveler Wrinkle Free Patterned Point Collar Dress Shirt- $17.49 (was $87.50)
Cashmere V-Neck Sweater (choose from various colors)- $77.00 (was $295.00)
Raincoatsstarting at $107.00

Clothing Deals

Jos. A. Bank Coupons
g: 0 Posted By: jskins
Views: 315 Replies: 0 Clearance Items are already reduced up to 85% off or more + receive an extra 30% off.Shipping starts at $6.00 or free on orders of $75+ at Jos. A Bank. Deal Ends 3/21.


Below are a few notable items:

Tropical Blend 2-Button Tailored Fit Linen/Silk Sportcoat- $67.00 (was $450.00) (pictured)
Traveler Wrinkle Free Patterned Point Collar Dress Shirt- $17.49 (was $87.50)
Cashmere V-Neck Sweater (choose from various colors)- $77.00 (was $295.00)
Raincoatsstarting at $107.00

Clothing Deals

Jos. A. Bank Coupons
g: 0 Posted By: jskins
Views: 6 Replies: 0 Clearance Items are already reduced up to 85% off or more + receive an extra 30% off.Shipping starts at $6.00 or free on orders of $75+ at Jos. A Bank.

Below are a few notable items:

Tropical Blend 2-Button Tailored Fit Linen/Silk Sportcoat- $67.00 (was $450.00) (pictured)
Traveler Wrinkle Free Patterned Point Collar Dress Shirt- $17.49 (was $87.50)
Cashmere V-Neck Sweater (choose from various colors) - $77.00 (was $295.00)
Student loans vs. investing in employee stock purchasing programs
Added on : Thursday March 20th 2014 08:00:16 AM
g: 0 Posted By: rxgolfer
Views: 34 Replies: 0 Hello, to start it off I am a pharmacy student graduating in May.

What do you all think about paying minimum on my student loans and investing my extra money in my employee stock purchasing program?I know investing in the company you work for is a bad idea for the most part, but with Obamacare on the way, I would speculate the stock of pharmacies will be going up in the future (e.g. RAD from .20 cents to $7 in just a few years; CVS 20 - $80 in 4 years). On top of that, usually, you can buy company stocks at 10-15% discount (but you have to hold for a month to a year.) My average interest rate is 7%, crossing my fingers that my company stock doesn't dip and even possibly increase by a few percent, I could be making 2-7%+> in profit that I can contribute towards student loans later. I know this is risky and very speculative. What are your thoughts? Should I pay my loans off this way??
Question Deals
Spending $10k at Home Depot tomorrow, ideas?
Added on : Thursday March 20th 2014 07:00:11 AM
g: 0 Posted By: renaud
Views: 232 Replies: 9 So I just learned that I'll be spending a little over $10k at Home Depot tomorrow. This is a business expense that my partner wanted to pay by check, but I'd much rather make a few bucks by putting it on my CC. Check will just go to me to pay my CC instead of HD.

Best plan I have right now is to put about $8k on my C1 card that gets a flat 3% reward. This card is my daily spender with a limit of only $8800, so can't do the full balance. I'd split the transaction and put the remainder on my Chase Freedom to get 1% on that.

I wish I had a few extra days so i could have bought HD giftcards with my C1 card ahead of time to effectively get the full $10k at 3%, but too late now since I won't have time to pay of those purchases by tomorrow. Is there any other idea that I'm missing? I have AMEX blue cash, Chase Freedom, Discover More, BoA world, and a few other cards. Any ideas??
Question Deals
g: 0 Posted By: BLUETIDEE2000
Views: 185 Replies: 0 I've watched Panasonic SC-NE1 for a few months since I missed Woot's deal in Thanks Giving . I just discovered that Amazon is offering it @$79 now . The lowest one I can found on non-Amazon is about $120. If you are looking for a high quality wireless speaker, this is a great opportunity. woot's link with better product description: http://tech.woot.com/offers/panasonic-bluetooth-wireless-speaker the similar model is Panasonic SC-NE3 , but Amazon's price is about $250!!! Features Tech Features Speaker Configuration 2.0 Tech Features RMS Output Power 40 W Tech Features Wireless Speaker(s) Yes Tech Features iPod Supported Yes Tech Features Product Type Speaker System Tech Features Manufacturer Part Number SC-NE1 Tech Features Manufacturer Panasonic Tech Features Product Model SC-NE1 Tech Features Product Name SC-NE1 Speaker System Tech Features Brand Name Panasonic Tech Features Bluetooth Yes Tech Features Weight (Approximate) 5.95 lb Tech Features Height 22.4" Tech Features Width 8.1" Tech Features Depth 3.9" Tech Features Input Voltage 110 V AC Tech Features Operating Power Consumption 11 W Tech Features Standby Power Consumption 100 mW Tech Features Frequency Response 20 Hz to 20 kHz Advertisement middle Product Attributes Product attributeHeight: 22.4 Product attributeWidth: 8.1 .The lowest one I can found on non-Amazon is about $120.
If you are looking for a high quality wireless speaker, this is a great opportunity.

Detailed product description:
http://g-ec2.images-amazon.com/images/G/01/electronics/Cat500/Panasonic/2013/Specs/PCEC5668-1_SS_Audio_NE1_LR._V375239309_.pdf
the similar model is Panasonic SC-NE3 , but Amazon's price is about $250!!!


Features
Tech Features Speaker Configuration 2.0
Tech Features RMS Output Power 40 W
Tech Features Wireless Speaker(s) Yes
Tech Features iPod Supported Yes
Tech Features Product Type Speaker System
Tech Features Manufacturer Part Number SC-NE1
Tech Features Manufacturer Panasonic
Tech Features Product Model SC-NE1
Tech Features Product Name SC-NE1 Speaker System
Tech Features Brand Name Panasonic
Tech Features Bluetooth Yes
Tech Features Weight (Approximate) 5.95 lb
Tech Features Height 22.4"
Tech Features Width 8.1"
Tech Features Depth 3.9"
Tech Features Input Voltage 110 V AC
Tech Features Operating Power Consumption 11 W
Tech Features Standby Power Consumption 100 mW
Tech Features Frequency Response 20 Hz to 20 kHz
Advertisement middle

Product Attributes
Product attributeHeight: 22.4
Product attributeWidth: 8.1
Headphones & Speakers Deals

Amazon Coupons
g: -1 Posted By: ottawa
Views: 186 Replies: 0 Requires a 16-digit $25/$75 (or buy a $30/$80 for $5) thus YMMV but I think SR Plus members get the 25/75 fairly regularly (I've had them 3 weeks out of 4 or something).

Seagate Expansion 2TB Desktop USB 3.0 External Hard Drive (Black) Item: 895703 is $80 (reg $90). Add a $25/75 to make it $55 and then $10/50 to make it $45. $22.50/TB.

I'm watching for a 4TB for $100 ($25/TB) and there's a 3TB for $111 ($76 or $25/TB after these coupons) but it's been OOS for a few days.

Some poor reviews of the Seagate Expansions on Staples site.

=aw

External Hard Drives Deals

Staples Coupons
PLOC Term Questions
Added on : Wednesday March 19th 2014 04:00:10 AM
g: 0 Posted By: steve1jr
Views: 16 Replies: 0 Guys, I haven been looking into opening some Lines Of Credit for BT/MS mischief...not to carry a balance.

Some of the offerings I see indicate the LOC is only good for 2 years. Is it standard for LOCs to only be 'available' for a certain amount of time - if so, does it generally require additional applications and/or hard credit pulls to 'extend' them?

I'm willing to notch up a few credit inquiries to open these lines if it is a one time thing, but if the process has to be repeated every couple of years that is a different matter.


Personal Finance Deals
g: 0 Posted By: Deals4mykids
Views: 0 Replies: 0 I noticed my Pandora One was up for renewal in a few days and was bummed that they went with a per month model for 3.99... 47.88 per year.

After 'googling' around for a discount code, I actually found a "gift card" Pandora page that still offers the old $36 per year price. (they appear to charge tax) I was planning on sending the card to my own email. It also said you can buy the card at Target, so you might be able to use the RedCard for an additional 5%.

http://www.pandora.com/one/gift
Sling Media Slingbox 350 $129.99 at Amazon w/ Free Shipping
Added on : Tuesday March 18th 2014 03:00:04 PM
g: 0 Posted By: brettdoc
Views: 630 Replies: 3 LINK

I've been waiting for the past few months to buy one of these from Amazon when it dropped below it's standard $149.99. As I monitored it the price actually rose up to $171.99 up until today. Saw it was down to a similar deal price from a few months ago.
Electronics Deals

Amazon Coupons
MBA value/cost tradeoff
Added on : Tuesday March 18th 2014 01:00:03 PM
g: 0 Posted By: CAguyIP
Views: 53 Replies: 1 I have a few questions for fat wallet community
1) What are ya'll thoughts on doing a part time MBA from a UC (for an computer engineer with 5 years of work exp)? Total cost is about ~130k .. I plan on taking a loan of 70k with employer covering 50k.
2) Almost seems like if I can put that 130K in a REIT or a mutual fund I might be better off 5 years from now..
3) Is it worth taking a student loan?
Discussion Deals
Sling Media Slingbox 350 $129.99 at Amazon
Added on : Tuesday March 18th 2014 11:00:03 AM
g: 0 Posted By: brettdoc
Views: 51 Replies: 0 LINK

I've been waiting for the past few months to buy one of these from Amazon when it dropped below it's standard $149.99. As I monitored it the price actually rose up to $171.99 up until today. Saw it was down to a similar deal price from a few months ago.
Electronics Deals

Amazon Coupons
g: 2 Posted By: tehbonz
Views: 180 Replies: 0 Just got a newsletter from them. It looks like they also have a few deals on GoPro

http://47stphoto.com/index.php/save-money/47-newsletter-deals.ht...

Batteries on Sale:

Replacement for GoPro AHDBT-301
Replacement for Canon BP-511
Replacement for Pentax/Sanyo DBL-80
Replacement for Nikon EN-EL14
Replacement for Nikon EN-EL3E
Replacement for Nikon EN-EL9
Replacement for Samsung Galaxy S4
Replacement for Canon LP-E10
Replacement for Canon LP-E12
Replacement for Canon LP-E5
Replacement for Canon LP-E8
Replacement for Canon NB-10L
Replacement for Canon NB-2LH
Replacement for Sony NP-BN1
Replacement for Sony NP-FV100
Replacement for Sony NP-FV70
Replacement for Panasonic VW-VBG260
Cameras Deals

Samsung Coupons
Audiobomb Splash Resistant Bluetooth Speaker $29.00 w/Free shipping
Added on : Monday March 17th 2014 03:00:06 PM
g: 0 Posted By: COOLBLEU
Views: 249 Replies: 1 For the person who has everything......
////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////


Think youre a good multi-tasker? Have you ever tried bringing your music and phone with you into the shower? No? Thats probably because you didnt have a way to waterproof them! You do now!The Squish Shower Speaker is a splash-resistant silicone speaker with Bluetooth connectivity. Just pair it with your device and play what a fun and functional way to start the day! Enjoy your favorite melodies in the shower and feel free to sing along. You can also fully enjoy a nice long, relaxing shower without having to worry about missing an important call. The caller ID says out loud who is calling, and a built-in microphone allows you to talk hands-free. Go ahead and sing a few bars to the person on the other end of the line . . . Im sure they wont mind.These mini waterproof speakers are easy to use! Just place it on the glass or shower wall with its suction cup on the back and turn it on. Its Bluetooth capabilities allow it to pair up with your phone or MP3 player. Itll play your music for 6 hours before its battery needs recharged! So go ahead and take the longer shower tonight.

Available Colors:

Blue
Purple/Gold
Orange
Pink

Headphones & Speakers Deals
Microsoft OneNote goes Free for all Platforms
Added on : Monday March 17th 2014 01:00:05 PM
g: 0 Posted By: majicc
Views: 529 Replies: 0 With the launch of a Mac version Microsoft have made OneNote free for all platforms. Some features are still tied to the paid version (SharePoint and Outlook integration) but few would use those anyway.

http://www.onenote.com/
Software Deals
Microsoft OneNote goes Free for all Platforms
Added on : Monday March 17th 2014 09:00:13 AM
g: 0 Posted By: majicc
Views: 224 Replies: 0 With the launch of a Mac version Microsoft have made OneNote free for all platforms. Some features are still tied to the paid version (SharePoint and Outlook integration) but few would use those anyway.

http://www.onenote.com/
Computers & Software Deals
g: 0 Posted By: CUinBlank
Views: 135 Replies: 3 http://www.walmart.com/ip/Spa-Sensations-8-Memory-Foam-Mattress-...

The Spa Sensations 8" memory foam mattress provides everything you need to get a great night's sleep. Comfort starts with a lush cover on a rich layer of memory foam that cradles you in body-conforming weightlessness. The unique high density foam technology shapes itself to your body and gives you a customized sleeping surface. Two additional layers below the memory foam provide the support you need. The Spa Sensations memory foam mattress uses a blend of natural see oil and green tea which help to fight bacteria. This highly rated mattress is available in twin, full, queen, and king. After a long day, this comfortable mattress will help eliminate aches and pains, so that you wake up feeling refreshed. Spa Sensations 8" Memory Foam Mattress:

8" thick memory foam mattress
responds to the heat and pressure of your body
Creates a customized sleep surface
High-density foam base layer adds support
Twin: 39'' x 75''
Full: 54'' x 75''
Queen: 60'' x 80''
King: 76'' x 80''
Cal King: 72" x 84"
Memory foam mattress is tightly packed and vacuum sealed, please allow several hours to return to original shape. There may be a faint odor from being sealed, this is normal and will disappear in a few hours when exposed to air
Beds sold separately. See our assortment of beds.
Bed frames sold separately. See our assortment of bed frames.

Bedding Deals

Walmart Coupons
g: 0 Posted By: remick
Views: 19 Replies: 0 http://www.amazon.com/dp/B001OQCL42

"Best Book of 2006 (Non-fiction)"..."shockingly honest, brilliantly written"-----NOTED PRINCETON FILM/BOOK CRITIC KAM WILLIAMS

Neverending controversy surrounded this bestseller by Kola Boof. Many were spellbound by more than 90 pages detailing her terrifying experience as Osama Bin Laden's former mistress. But the Sudanese-born Novelist/Poet writes even more profoundly about the hardships of being vaginally circumcised, about witnessing her birth parents killed in her presence as a small child, about slavery and Arabism in Sudan, about being adopted and raised in the U.S. by African Americans, about her quest for true love, and in one particularly daring chapter, about her hopes for the future of her sons. Add to that years of psychiatric treatment, a struggle with manic anger and quite a few daring romances other than Bin Laden and you've got the perfect ingredients for a feature film.

Throughout the book, Kola speaks in a voice so utterly naked, truthful and unpretentious that it's impossible not to fall in love with her. "Diary of a Lost Girl" is a powerful autobiography that you won't soon forget.

WARNING: This is the UNCUT VERSION.

Contains explicit sex, violence, frank discussion of
racial-sexual ideology and themes that may be offensive
to some readers. Not for readers younger than 21 years
old. 436 pages
Canon imageFORMULA P-215 Document Scanner $199.99 at Amazon
Added on : Sunday March 16th 2014 06:00:02 PM
g: 0 Posted By: Unspeaked
Views: 0 Replies: 0 LINK

Amazing price for arguably the best portable document scanner on the market. I've been watching the price on this slowly plummet at Amazon over the last few weeks and I've never seen it under $200 before.
g: 0 Posted By: DaysFan
Views: 296 Replies: 0 TOYOTA GRAND PRIX OF LONG BEACH FRIDAY TICKETFREE
http://weeklyspecials.vons.com/customer_Frame.jsp?drpStoreID=3263&showFlash=false http://weeklyspecials.vons.com/SafewayVons03122014VonsWeeklyAd/breakouts/b1026391_4.jpg
APRIL 11-13, 2014
WHEN YOU BUY 5 5.3-oz. Greek single serve cups of

Dannon
Oikos,
Activia,
Light & Fit, or
YoCrunch Yopa!(TM) yogurt.


Offer Valid 3/12/14-3/25/14. See store for details.

coupon prints at checkout
Limit 1 per customer
Valid 3/12/14 - 3/25/14

www.freeticketdays.com/offer-terms-and-conditionsDannon Toyota Grand Prix of Long BeachBetween March 10, 2014 and March 28, 2014 all customers that visit any participating Vons or Pavilions store in Southern California and make a single purchase transaction of five (5) 5.3-oz. cups of Dannon OIKOS, Dannon Activia Greek, Dannon Light & Fit Greek, or YoCrunch Yopa! Greek yogurt will receive a voucher good for one (1) free general admission ticket to the Toyota Grand Prix of Long Beach for Friday, April 11, 2014 only (Gift). (Approximate retail value $28). Customer will receive voucher at time of checkout. Voucher must be presented at any ticket entrance at the Long Beach Grand Prix on April 11, 2014 to be exchanged for one (1) free ticket.Customers must be legally and physically residing in one of the 50 United States or the District of Columbia and be at least 18 years of age (19 in Alabama and Nebraska, 21 in Mississippi) at time of purchase of qualifying products. Other conditions and restrictions may apply. Offer good only while supplies last. Employees, including their immediate families and members of the same household, of The Dannon Company, Inc., 100 Hillside Avenue, White Plains, New York 10603-2863 (Sponsor), and The Marketing Arm Inc. (Administrator), and their respective parent companies, affiliated companies, subsidiaries, advertising, promotion and administrative agencies, and their respective agents, employees, officers, directors, successors and assigns (Promotion Entities) are not eligible to participate. Limit one (1) Gift per customer. Offer cannot be combined with any other offer or sold or redeemed for cash. No substitutions or rain checks. Gift cannot be transferred or assigned. Theft, diversion, reproduction, transfer, sale or purchase of this offer is prohibited and constitutes fraud. Void if altered, duplicated, copied, reproduced, transferred, sold, exchanged or expired. Sponsor reserves the right, in its sole discretion, to substitute Gift with one of equal or greater value. Promotion Entities are not responsible for lost, damaged or stolen Gifts. THIS PROMOTION AND ALL GIFTS ARE PROVIDED AS IS WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. CUSTOMERS ACKNOWLEDGE THAT PROMOTION ENTITIES HAVE NEITHER MADE NOR ARE IN ANY MANNER RESPONSIBLE OR LIABLE FOR ANY WARRANTY, REPRESENTATION OR GUARANTEE, EXPRESS OR IMPLIED, IN FACT OR IN LAW RELATIVE TO THE GIFTS AND ANY IMPLIED WARRANTY OF MERCHANTABILITY OF FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS. By accepting a Gift customers agree to indemnify, defend and hold harmless Promotion Entities from any and all damages, claims, and liability arising out of or relating in any way to customers participation in Promotion and acceptance or use of any Gift and to release all rights to bring any claim, action or proceeding against Promotion Entities for any injuries or death, theft, loss or damage of any kind, or any other harm suffered directly or indirectly arising from or in connection with participating in Promotion. Promotion Entities are not responsible if Promotion cannot take place or if any Gift cannot be awarded due to cancellation, delays, interruptions or failures due to acts of God, war, natural disasters, weather, acts or threats of terrorism, strikes, lockouts, labor disputes, work stoppages, fire, acts of government, or other events outside of the reasonable control of Promotion Entities. Promotion Entities assume no responsibility for any technical, hardware, software, telephone or other communications malfunctions, errors or failures of any kind, unauthorized human intervention, incomplete or inaccurate capture of information (regardless of cause) or failed, incomplete, garbled, jumbled or delayed computer transmissions that may limit ones ability to request or receive a Gift. Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify, extend or suspend Promotion should, in its sole discretion, causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the Promotion. Sponsor reserves the right, at its sole discretion, to disqualify any individual it finds, in its sole discretion, to be tampering with the operation of the Promotion or intending to annoy, abuse, threaten or harass Sponsor or any other person. All federal, state and local taxes are the sole responsibility of the customer. All other costs and expenses associated with Gift are solely recipients responsibility. All federal, state and local laws and regulations apply. Void where prohibited or restricted by law.ANY ATTEMPT BY ANY PERSON TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAW, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEYS FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.AS A CONDITION OF PARTICIPATING IN THE PROMOTION, CUSTOMER AGREES THAT: (I) UNDER NO CIRCUMSTANCE WILL CUSTOMER BE PERMITTED TO OBTAIN AWARDS FOR, AND CUSTOMER HEREBY WAIVES ALL RIGHTS TO CLAIM, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR ANY OTHER DAMAGES, OTHER THAN FOR OUT-OF-POCKET EXPENSES; (II) ALL CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THIS PROMOTION, OR ANY GIFT AWARDED, SHALL BE RESOLVED INDIVIDUALLY-WITHOUT RESORT TO ANY FORM OF CLASS ACTION-BY BINDING ARBITRATION (BY A SINGLE NEUTRAL ARBITRATOR SELECTED BY SPONSOR IN ITS SOLE AND ABSOLUTE DISCRETION) IN ACCORDANCE WITH THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION; AND (III) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS INCURRED, BUT IN NO EVENT SHALL SUCH CLAIMS, JUDGMENTS OR AWARDS INCLUDE ATTORNEYS FEES. THIS PROMOTION SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.
Dairy Deals
Craftsman 17" Plastic Hand Box - $6.74 + PU @ Sears
Added on : Sunday March 16th 2014 10:00:02 AM
g: 0 Posted By: heyyl0w
Views: 25 Replies: 0 Sears has the Craftsman 17" Plastic Hand Box for $6.74. In-store pickup is free. This deal did well here for a few cents more a few weeks ago. 4.5/5 stars based on 93 reviews.

1,415 cubic square inch capacity
Plastic material provides long-lasting performance, yet is lightweight and wont scratch surfaces
Removable tote tray transports commonly used tools
One drawbolt latch with padlock eye (padlock sold separately) for security
Comfort-grip top handle for portability
17W x 9 1/4D x 9H 3.7 lbs (1.7 kg)
Fully assembled
Craftsman 17" Plastic tool Box $6.74 free ship to store
Added on : Sunday March 16th 2014 07:00:05 AM
g: 1 Posted By: krazyace5
Views: 333 Replies: 1 Had bonus $5 in points and just picked one up for $1 and change. Was $15 a few weeks ago when I almost bought one. Decent quality.
http://www.sears.com/shc/s/p_10153_12605_00959317000P

Tools Deals

Sears Coupons
g: 0 Posted By: robronson
Views: 108 Replies: 3 I started working this year through a third party consulting firm as a 1099. I pay for all of my business expenses and bill the consulting firm for them, as well as my hours and the consulting firm pays me and then bills the client. In return, the consulting firm takes around 10% but it's worth it for me because they help find me work and deal with getting vendor status at clients.

My concern is that I'm doing work in multiple states this year. I understand I generally need to pay income taxes in states that I perform work and I also understand many states have thresholds for non-residents such that if my income is below a certain level, no income tax return is due. My question is, how will my consulting firm likely handle my 1099 at the end of the calendar year? Obviously we can only speculate. The reason I'm not asking them directly is because I don't want to "give them any ideas" that could bite me in the ass. Let me give some specific rough numbers for an example:

Total 1099 Income For 2014: $100k
Income from Texas: $50k
Income from California: $40k
Income from State X: $3k
Income from State Y: $3k
Income from State Z: $4k

Suppose in this example that States X, Y and Z all have minimum filing thresholds of $5k so I don't actually have to file taxes with them. Texas has no state income tax so no filing with them either. Here's a few possibilities of what might happen at the end of the year:

OPTION 1: Consulting firm issues a 1099 to the federal government only. They do NOT report any 1099s to any state governments. Best possible scenario. I'd be on the honor system to file taxes with the respective states and I get to decide which states to file with per the law.

OPTION 2: Consulting firm issues a 1099 for $100k total earnings to the federal government and EACH of the 5 state governments. EACH of the 5 governments thinks I earned $100k in their state because the 1099 isn't broken down it simply says I earned $100k and some or all it came from that state. WORST possible scenario because each state will think I earned $100k in their state.

OPTION 3: Consulting firm issues a 1099 for $100k to the fed gov and a 1099 for $40k to California, and a 1099 for $3k, $3k, and $4k to X, Y and Z respectively. They skip TX because they know TX doesn't care. Medium-level scenario but least likely to occur because it's the most effort for the consulting firm.

I can see any of these three scenarios playing out with me being royally screwed through Option 2 because even though I won't have to pay taxes to states X, Y and Z, I do have to file returns which costs money to pay someone to do it or wastes time to do it myself. Also, I risk California deciding to audit me because they think I lied about what percentage of the $100k actually came from them since they were [incorrectly] told I made $100k in California.

Are any of these 3 situations possible or is there a standard way for this to be done? I really don't want to ask and risk them deciding to change their policies to Option 2 to be "safe" for themselves.
Discussion Deals
Craftsman 17" Plastic tool Box $6.74
Added on : Sunday March 16th 2014 06:00:02 AM
g: 0 Posted By: krazyace5
Views: 19 Replies: 0 Had bonus $5 in points and just picked one up for $1 and change. Was $15 a few weeks ago when I almost bought one. Decent quality.
http://www.sears.com/shc/s/p_10153_12605_00959317000P
Wusthof 5-piece Kitchen Helper Set $29.91 + $5.99 S/H
Added on : Saturday March 15th 2014 06:00:07 PM
g: 0 Posted By: tedhawkins
Views: 133 Replies: 0 Wusthof 5-piece Kitchen Helper Set $29.91 + $5.99 S/H

http://www.cutleryandmore.com/wusthof/kitchen-starter-set-p12738...

The Wusthof Serrated Utility/Brunch Knife easily cuts through sausages, tomatoes, and fruit skins. Works beautifully as a bar companion, cutting citrus wedges effortlessly or for bread and sandwiches. Precision laser stamped blade made of high carbon stainless steel.

The Wusthof 2-stage Hand-Held Knife Sharpener is safe and easy to use. Place the sharpener on a flat work surface and hold the E-Z grip handle with one hand and the knife handle with the other. Insert the knife blade fully into the slot at a 90-degree angle to the sharpener and pull back a few times to sharpen. After setting the knife's edge with the carbide side, use the unit's ceramic side to nicely finish the edge.

The Wusthof Bamboo Utility Board is perfect for small tasks such as chopping garlic, julienne a pepper or slicing lemons. The board is light enough for transferring ingredients from the opposite end of the kitchen to the stovetop.

Wusthof Come-Apart Kitchen Shears have a wide variety of uses by cutting anything from string to skin. The handle is designed to also open bottles. Two-piece construction comes apart easily for cleaning. Features high carbon stainless steel blades that snips fresh herbs, cuts flowers, paper, twine and more.

The Wusthof Vegetable Peeler is designed to peel fruits and vegetables such as potatoes, carrots, cucumbers, etc.
Home & Garden Deals
Just turned 18, living on my own. Any financial advice?
Added on : Saturday March 15th 2014 12:00:07 PM
g: 0 Posted By: tayumi
Views: 15 Replies: 0 Sorry this is so long but please read the whole thing because everything is just really complicated

My situation right now is that I'm a high school senior, I work part-time (getting $300 a month), my mother owned the house where I live in (I say "owned" because she passed away a few days ago. The house will automatically go to my older brother, who has no use for it as he lives in a different state, so he plans on signing it over to me). It's a duplex, so right now there's a renter on the other side paying $600 a month, while I'm paying $690 a month for mortgage, $30 for water, and.. well honestly I don't know how much electric is. That, and I can probably live off about $40 a month for food, plus or minus some.

My mom owed a lot of money to people, so whenever any of her bank accounts went over about $400 they'd garnish her money. I had to have a bank account when I started my job, and being only 17 then, it had to go under her name, or she had to cosign it or something. I think in November, actually, they took about $230 from my account. Will this happen again? My card from them says her name and I've yet to talk to my bank account about this (actually it's a credit union but it's basically the same thing. I should be talking to them I guess but they're closed on weekends).

That being said, her credit rating was pretty low - about 580. So obviously the mortgage interest rate, which still has 25 years to go, is very high. It's a $70,000 house where I have to pay almost $700 a month for 30 years. I don't know the exact rate, but it's a lot that could be cut in half with a good credit score. The thing is, I have NO credit, and at this point I don't think I can afford getting credit because that would involve buying stuff, and I can't afford to pay back for the stuff that I buy, if that makes any sense.

Also, I'm guessing I'm going to owe her car too, and honestly I don't know anything about car ownership other than expensive, complicated, paperwork. I don't even have a driver's license, all I have is a permit.

Since I only get $900 a month of income, would I be eligible for foodstamps? How would I go about getting that?

Even though I'm a high school Senior and I AM college-bound, I'm taking a gap year to get everything settled down, then after that, well.. I don't know what to do with my pets, but then I'm going off to college and probably renting out the other side of the duplex, so I'd get $1200 a month from there ($1100 if I decide to be nice). Does this overall seem like a good idea?

That's about all the issues I can think of. I'd greatly appreciate any advice and suggestions!
New User Question Deals
g: 0 Posted By: jskins
Views: 68 Replies: 0 25% Off Regular Priced Fashion & Denim Items + $1 Shippingw/ Code GRGSTPAT25 at Garage. (Deal Ends 3/17).

Shipping is free on orders over $50

A few notables:

Striped Halter Dress- $22.42 after code
Knit Eternity Scarf(Available in Black Melange, Chilled Plum Melange, Cream Melange) - $14.92 after code
Lightweight Cropped Parka (pictured)- $44.92 after code (True Khaki (pictured), or Faded Black)



Clothing Deals

Garage Clothing Coupons
Craftsman 190-pc. Mechanics Tool Set - $74.99 A/C s/ FS @ Sears
Added on : Saturday March 15th 2014 09:00:04 AM
g: 0 Posted By: hellokitty27
Views: 79 Replies: 0 Sears has the Craftsman 190-pc. Professional Use Mechanics Tool Setfor $74.99 when you use coupon code SAVE15. Free shipping. A similar set posted a few days ago had 30 fewer pieces and cost $25 more (LINK).

Includes:
11 - 1/4" Drive 6pt Standard Inch Sockets (5/32 - 9/16 In.)
12 - 1/4" Drive 6pt Standard Metric Sockets (4, 5, 5.5, 6 - 14 mm)
7 - 1/4" Drive 6pt Deep Inch Sockets (3/16 - 1/2 In.)
7 - 1/4" Drive 6pt Deep Metric Sockets (7 - 13 mm)
1 - 1/4" Drive Quick-Release Ratchet
1 - 1/4" Drive 3-Inch Extension Bar
9 - 3/8" Drive 6pt Standard Inch Sockets (1/4 - 3/4 In.)
13 - 3/8" Drive 6pt Standard Metric Sockets (6 - 17, 19 mm)
9 - 3/8" Drive 12pt Standard Inch Sockets (5/16 - 13/16 In.)
10 - 3/8" Drive 12pt Standard Inch Sockets (9 - 18 mm)
7 - 3/8" Drive 6pt Deep Inch Sockets (3/8 - 3/4 In.)
7 - 3/8" Drive 6pt Deep Metric Sockets (9, 10, 12 - 15, 17 mm)
2 - 3/8" Drive Spark Plug Sockets (5/8, 13/16 In.)
1 - 3/8" Drive Quick-Release Ratchet
2 - 3/8" Drive Extension Bars (3, 6 In.)
6 - 1/2" Drive 6pt Standard Inch Sockets (7/16 - 3/4 In.)
6 - 1/2" Drive 12pt Standard Metric Sockets (14 - 19 mm)
1 - 1/2" Drive Quick-Release Ratchet
8 - Inch Combination Wrenches (1/4 - 5/8, 3/4 In.)
8 - Metric Combination Wrenches (9 - 15, 17 mm)
20 - Inch Hex Keys
20 - Metric Hex Keys
1 - Magnetic Bit Handle
9 - Screwdriver Bits
12 - Nut Driver Bits Inch/Metric
Tools Deals

Sears Coupons
Free Kindle Book- Reasoning by Association (was $17.95)
Added on : Saturday March 15th 2014 01:00:07 AM
g: 0 Posted By: remick
Views: 203 Replies: 0 http://www.amazon.com/Reasoning-Association-Diana-Kanecki-ebook/...

Introduction
I would like to share the philosophy, methods, and practices that I use in reasoning and problem solving, and these methods cross into many areas, and can be applied to many fields as personal, business, or technical. The primary basis of the practice is to allow you mind to see all the possibilities and to coordinate what you have seen into a directed result or thought. The processes used involve using both your left and right portions of your brain, and synthesizing the interactions of the two.

The history of reasoning is based upon a single idea that was refined through many years. The Ionian culture was the first people to realize that any process one performs is based upon a organized method. From this premise, they were able to write down the rules for geometry, mathematics, logic, medicine, language, and music. The interesting point is that Renaissance was based upon the new acceptance of their premise and the finding of the books and papers. One person, Descartes, followed the Ionian premise and wrote a book on the problem solving method, "Rules for the Direction of Mind." This book was written when he was young man, but it was not published until a few years after his death for fear of the ruler's response. This fact shows reasoning was used as a weapon by an elite group of people. After his death, more people began to break the reasoning wall that rulers used over the ruled. As a result of this, new people began to explore reasoning. Babbage thought that if a process could be documented then it could be automated. To explore this, he decided to automate the calculation of various mathematical functions. In addition, he enlisted the help of Ada Lovelace to develop the method of translating human processes to machine processes, programming. Also, they realized that the analytical engine could be used to simulate various actions as opposed to only calculating various functions.
Books Deals

Amazon Coupons
Third Federal 10 Year Mortgage - Any Personal Experience?
Added on : Friday March 14th 2014 02:00:04 PM
g: 0 Posted By: Tinker2Evers2Chance
Views: 35 Replies: 0 Have an offer for a 2.89% mortgage for up to 10 year term. $295 flat closing cost. Small print says may require escrow. And I get a free $100 Home Depot gift card (which does not factor at all into the decision)

https://www.thirdfederal.com/landingpages/mortgagegroup/house

Very few threads on Third Federal here and am out of the mortgage shopping loop. Are there better deals out there or is this the best I'm going to do now?

Current mortgage $110k
House about $300k
9 years left - will keep term the same
Excellent credit score
Personal Finance Deals
Help Me Refi
Added on : Friday March 14th 2014 02:00:04 PM
g: 0 Posted By: FutureBillionaire
Views: 176 Replies: 2 A long time ago, in a galaxy far, far away:

I signed up for a terrible mortgage during the housing bubble. I have a 1st and 2nd mortgage that was sold to me as an 80/20 loan. I wholeheartedly acknowledge that I was a bumbling fool when I purchased my house.

Fast forward a few years, and Bank of America has sold my first mortgage to Specialized Loan Servicing. They still have my second mortgage.

My question is, what is the best way of refinancing these loans? My credit scores were between 660 and 680 when I bought my house. Now, I'm in the 760-780 range. The rate on my second mortgage is much higher. Although my awareness of credit has improved, I'm still a noob when it comes to the housing market. Any advice or help is much appreciated. I bank with two credit unions, a few online banks, and a couple of national banks. I think I have established relationships that should help me get a good product somewhere.
Personal Finance Deals
Legal trouble with Chase bank
Added on : Friday March 14th 2014 10:00:08 AM
g: 1 Posted By: acesfullof8s
Views: 172 Replies: 6 Hopefully you guys can help me with this, or point me in the right direction.

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

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

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

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

This can't be legal can it? What are my options?
Question Deals
T-Mobile Nokia Lumia 925 down to $230 @ HSN
Added on : Thursday March 13th 2014 01:00:03 PM
g: 0 Posted By: jaimelobo
Views: 240 Replies: 0 HSN Linkie- few bucks cheaper than the Newegg deal, bundled with the same iLuv Speaker Case.
Cell Phones Deals

HSN Coupons
g: 2 Posted By: linrick
Views: 395 Replies: 0 I was just at the Parks Mall in Arlington, TX. They have additional 50% off on women's shoes that are already 65% off more and almost all of Men's that already 65% off or more. Picked up a few men's RL sweaters for $21 (orig. $119) after discount and a pair of polo jean (orig. $125) for $22 too.

I didn't see this additional 50% off advertised anywhere so don't know if it's nationwide or when it's good thru. YMMV. Good luck!
Clothing Deals

Dillard's Coupons
g: 1 Posted By: jskins
Views: 375 Replies: 0 Use coupon code GETLUCKY during checkout to receive 20% Off Spring Collection items at Alternative Apparel's St. Patricks Day Sale.

A few notable spring collection items:

(copy and paste URL's)

Tidal Striped Men's Tank Top :http://www.alternativeapparel.com/product/search/Tidal%20Striped...
Sachi Women's Top: http://www.alternativeapparel.com/Sachi-Top-12341TH
Laguna Printed Dress: http://www.alternativeapparel.com/product/search/Laguna%20Printe...

*You can also use promo code XTRASALE to receive 50% off sale items, however coupon codes do not stack, so you cannot use both codes in one order*
Clothing Deals

Alternative Apparel Coupons
g: 2 Posted By: linrick
Views: 187 Replies: 0 I was just at the Parks Mall in Arlington, TX. They have additional 50% off on women's shoes that are already 65% off more and almost all of Men's that already 65% off or more. Picked up a few men's RL sweaters for $21 (orig. $119) after discount and a pair of polo jean (orig. $125) for $22 too.

I didn't see this additional 50% off advertised anywhere so don't know if it's nationwide or when it's good thru. YMMV. Good luck!
Clothing Deals

Dillard's Coupons
g: 0 Posted By: Deals4mykids
Views: 54 Replies: 0 Amazon has this great car seat on sale in nearly all colors for $180 with free shipping if you have Prime.

I've kept an eye out for a 2nd one for a few months, this is about the best price Ive seen it for. We have one for our oldest (2.5 years) and love it. It is very secure, like the racing seats in Recaro's heritage. We'll hold on to this one for our 2nd, when he's old enough and large enough to turn front facing. The Performance Sport is front facing only.

Among other features:
Built-in LATCH and universal top tether
Weight: 20 to 90 pounds in harness mode; 30 to 120 pounds in booster mode
Height: 27 to 50 inches tall in harness mode; 37 to 59 inches tall in booster mode

http://www.amazon.com/gp/product/B00B507D7C
g: 0 Posted By: jskins
Views: 51 Replies: 0 Use couopn code GETLUCKY during checkout to receive 20% Off Spring Collection items at Alternative Apparel's St. Patricks Day Sale.

A few notable spring collection items:

Tidal Striped Men's Tank Top
Sachi Women's Top
Laguna Printed Dress

*You can also use promo code XTRASALE to receive 50% off sale items, however coupon codes do not stack, so you cannot use both codes in one order*
Free Ebooks 3-13-14
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

The SharpBrains Guide to Brain Fitness: How to Optimize Brain Health and Performance at Any Age
Rating - 4.6 (37 Reviews)

Modern life places extraordinary demands on our brains. Not only do we live longer than ever before, but we must constantly adapt to complex and rapidly evolving personal and professional realities. Yet, we often ignore our most precious resource to do so: our brain.
The SharpBrains Guide to Brain Fitness cuts through the clutter of misconceptions, superficial and conflicting media coverage, and aggressive marketing claims, to help readers discover what really works, and what doesnt, to improve brain health and performance at any age, to delay or prevent cognitive decline, and become smarter consumers of both media coverage and scientific research in the process.
With useful, pragmatic and personalized tips and suggestions that are easy to implement, the SharpBrains Guide offers a groundbreaking new approach for self-assessing current brain fitness needs and identifying the most relevant and evidence-based methods to preserve and enhance brain function throughout life. Whether your goal is to become more resilient, enhance memory, ward off Alzheimers disease, or simply improve mental focus to perform better at work, this how-to guide shows you exactly how to use it or lose it.
This new and much-expanded edition of the guide AARP named a Best Book on Brain Fitness combines a user-friendly tutorial on how the brain works with advice on how to choose and integrate lifestyle changes and research-based brain training. Featuring an independent analysis of hundreds of scientific studies published in the last 10 years, the book also includes in-depth interviews with 20 leading scientists who often challenge conventional wisdom and prevailing brain health thinking and care.
A thought-provoking, practical and captivating read, the SharpBrains Guide makes the fascinating and complex subject of brain function and neuroplasticity easy to digest with its common sense approach. Its time to rethink, and to truly apply, use it or lose it.

Time Management: How To Get More Done in a Multitasking World
Rating - 5 (13 Reviews)

This book contains proven steps and strategies on how to effectively manage your time and accomplish more even if most of your resources are limited.
This compendium consists of sixteen chapters. Time management is clearly defined in the first chapters: the working principles, the basic techniques, and why it is important. Prioritization is likewise defined, and the basic tips on how to do it effectively are enumerated and explained. Also, the reasons why people procrastinate are explained so that readers will know how to avoid it. Productivity levels can also be improved by following simple steps.
You will learn throughout the chapters that no matter what kind of profession or walk of life you belong to, time management is a very important concept. Students, entrepreneurs, managers, and employees they have varied needs as far as time management is concerned. These are all discussed thoroughly in this book. While passing time, games that will help you develop your skills on time management are also suggested.
Read this book to be enlightened on just what time management is all about. Find out how you can learn to use your time more effectively.

Here Is A Preview Of What Youll Learn After Downloading Time Management Kindle book:

Time Management Techniques
15 Efficient Time Management Tips
Time Management for Entrepreneurs
Time Management for Managers
Time Management for Employees
Time Management for Students
Time Management Tools
Time Management Dos and Donts
Time Management Games
The Art of Prioritizing
Developing Time Management Skills
Set your Goals the Right Way
Productivity
Procrastination
How to Get More Work Done in 2 Hours
Time Management FAQs


How To Be Smarter: Brain Training To Learn New Things (Being Smart, How To Be Intelligent)
Rating - 5 (4 Reviews)

Have you always wanted to have a mental edge on the people around you? Would you like to know REAL ways to boost your brain function without using invasive techniques or hyped pills that are junk science? There ARE ways to get your brain motivated to learn and the best part is it doesnt even seem like work!

New discoveries are made all of the time when it comes to the brain and improving function. Learn the latest and best techniques that are backed by real results by people like you! Put as much or as little effort as you want to in it and you will still see drastic improvements right away. Download this book TODAY to find out:

The best mental exercises for brain function improvement
Science of increasing intelligence
How health affects intelligence
Importance of sleep
Things you can add to your diet that WILL make you smarter!
Download this book NOW and start doing the things you need to BE smarter tomorrow!

My Secret List of Sites that Pay (The Beginners Guide to Quick Easy Money)
Rating - 4.6 (11 Reviews)

Why is it so difficult to determine which websites will pay us real money? Most sites claim to pay, but their payment methods are rarely in the form of cash that can be sent to your bank account and used to pay the bills. In this guide, the author reveals twenty-five websites that will pay you real money. None of these websites will ever ask you for a penny to get started. Stop your search right here, because the links in this book are the only ones that you will ever need.
You do not need to have prior experience for most all of these gigs. If you do have a skill or trade, you can certainly use it to your advantage.

If the following strike your interest, then reading this guide will give you the direct links to the sites that pay, which will walk you through the process so you are confident with what you are doing.

Below are a few of the options that you will find in this guide.

Submitting product/book reviews
Editing small pieces of work for others
Giving professional or personal advice on just about anything you can think of
Getting paid to put together professional slide-shows or short videos for other companies
Posting advertisement banners on the web, and getting paid for the clicks
Making money on a blog, and getting paid to ramble about literally whatever you want
Putting together flyers/logo designs for those needing advertising
Making video testimonials for a product/business
Deciding what to charge per service (my favorite part)


There you have it. Its real, its legit, and its the quickest and easiest cash Ive ever made. Not to mention, from home.

101 Juicing Recipes: The Complete Nutrition Rich Green Vegetables and Fruits Juice Recipes for Weight Loss and Healthy Living
Rating - 4.8 (11 Reviews)

How to apply Juice Fasting Program to lose 7 lbs in 7 days with these Nutritious Rich Juice Recipes.
The juice fasting plan is a fresh fruit and veggie detox that gives the digestive system a much needed break. High vitamins, minerals, and other essential nutritional elements are the key to getting rid of built up toxins and loss of unwanted weight gain.
The Modern World Is Filled With Stressors And Pollutants That Can Be Effectively Eliminated With Fresh Juice.
A Beloved Childhood Snack, Juice Is An On The Go Option That Advances Skin And Organ Health Through Adulthood.

Fresh Fruits and Vegetables Juicing Help You to Transform Your Body For:

* Energy enhancement from oxygen rich chlorophyll.
* Blood detox heals the body by eliminating impurities.
* The immune system is strengthened so that chronic diseases linked to cancer and arterial malfunction are mitigated.
* Weight loss is precipitated with juice enzymes.
* Hair, skin, and nails sustain growth, extending their appearance, and controlling them from premature aging.
* Mental acuity in concentration, memory, and precision are improved with juice.
* Increased muscle and joint flexibility.
* Deal with Insomnia and other sleeping disorder with Juicing.
Also, You will Discover:
* How A Cleanse and Detox Program must be Successful: Ultimate Tips?
* Role of Juices to fight back with cancer!!
* How Your Kidney/Liver Function will be to Improved by Juicing?
More than 101″ Delicious Vegetables and Fruits Juicing Recipes for:
* Weight loss and Fasting
* Cleanse and Detox
* Immune Boosting
* Wrinkle Reducing
* Colon Cleanse
* Prevent & Fight for Cancer, Diabetes
* Increases your Kidney Function
* Muscles Soothing and calming
* Memory Boosting
* Your Kids
* Mental Acuity
* And More
Totally Free Deals
Craftsman XSP 16 gal. 6.5HP Wet/Dry Vac $74.99 + FS (w/coupon)
Added on : Wednesday March 12th 2014 04:00:11 PM
g: 0 Posted By: TheNastySheriff
Views: 619 Replies: 0 Sears has their Craftsman XSP 16 gal. 6.5HP Wet/Dry Vac on sale for $89.99. Add the coupon "SAVE15" and you got the thing for $74.99 + free shipping or free in-store pickup. This is the cheapest price I've seen for this model size. If I hadn't already purchased the 12 gal. version a few months ago, I would snag one of these (might anyway). Hurry up though, every time I post a deal on these vacs, Sears labels it a couple days later as a 'Hot Buy' which excludes it from the use of coupons.

Link:
Craftsman XSP Vac

Tools Deals

Sears Coupons
Origami 4-Tier Greenhouse (RGH-04) - $67.32 w/ FS at Amazon
Added on : Wednesday March 12th 2014 12:00:07 PM
g: 0 Posted By: jessicadabears
Views: 0 Replies: 0 Origami 4-Tier Greenhouse (RGH-04)- $67.32 w/ FS at Amazon. Only a few left in stock but more are supposedly on the way.

Folds down for easy storage
Removable and waterproof PVC cover
Cover has full-length zipper
Sturdy shelves
No assembly required

Garden Deals

Amazon Coupons
g: 0 Posted By: st4rdust
Views: 192 Replies: 0 Altatac (via Rakuten) has the Hype Portable Mini Bluetooth Speakerfor $9.99 with free shipping. Available in black, blue, green, orange, pink or white.

This deal did pretty well herea few days ago. 5/5 stars based on 7 customer reviews hereat Amazon, where this is currently $23.45.

Unique pepper shaker design
3.5 mm line-in jack connects to an MP3 player and other devices
Music pauses when the phone rings
Compact design with powerful sound
Integrated rechargeable battery
Control Features: On/Off/Bluetooth switch
3.5 mm line-out audio jack

Headphones & Speakers Deals

Rakuten.com Shopping (formerly Buy.com) Coupons
Craftsman XSP 16 gal. 6.5HP Wet/Dry Vac $74.99 + FS
Added on : Wednesday March 12th 2014 08:00:07 AM
g: 0 Posted By: TheNastySheriff
Views: 113 Replies: 0 Sears has their Craftsman XSP 16 gal. 6.5HP Wet/Dry Vac on sale for $89.99. Add the coupon "SAVE15" and you got the thing for $74.99 + free shipping or free in-store pickup. This is the cheapest price I've seen for this model size. If I hadn't already purchased the 12 gal. version a few months ago, I would snag one of these (might anyway). Hurry up though, every time I post a deal on these vacs, Sears labels it a couple days later as a 'Hot Buy' which excludes it from the use of coupons.

Link:
Craftsman XSP Vac

Tools Deals

Sears Coupons
Amazon: Puma Sneakers Starting at $20
Added on : Wednesday March 12th 2014 06:00:06 AM
g: 1 Posted By: ShoppingChick
Views: 218 Replies: 0 Amazon has Puma Sneakers Starting at $20 with free shipping on orders over $35.

Just a few:

PUMA S Men's Low Canvas Lace-Up Fashion Sneaker - $19.97
PUMA Men's Puma S LowCity Sneaker- $19.50 - $65.00
PUMA Women's Caroline Wedge Fashion Sneaker - $23.30
PUMA Women's Future Cat Superlt Shoe- $23.30 - $80.24

​Note: Sizes & selection may be limited.
Shoes Deals

Amazon Coupons
Denali 30-Piece Bar Clamp Assortment $95.76 FS for Prime
Added on : Wednesday March 12th 2014 02:00:03 AM
g: 0 Posted By: std2u
Views: 142 Replies: 0 A whole buncha' cheap clamps for less than $100. Lowest price on camel^3 in a few years.

lotsa clampin
Tools Deals

Amazon Coupons
Lowe's, 2 cu. ft. Red/Brown Premium Mulch, $2/bag
Added on : Tuesday March 11th 2014 06:00:03 PM
g: 0 Posted By: mrbargain
Views: 27 Replies: 0 Link to Lowe's website description

Note: Please check online if on sale at your location. Doesn't seem to be nationwide.

I noticed on the Lowe's website for the La Habra, CA store that mulch was on sale for $2 for a 2 cu. ft. bag (regular price $3.33). Went to the store and noticed that it wasn't marked on sale. The garden department person said that, based on the info he received, it wasn't going on sale until 3/20. I decided to check with Lowe's customer service. The cashier looked it up and said that the sale price was already in the computer. She thought it might be nationwide, but wasn't sure. I bought a few bags at the sale price.

When I got home I decided to check some random locations nationwide. Based on my quick check, this sale does not seem to be available at all Lowe's nationwide...mostly at stores in warm weather states.
Garden Deals

Lowe's Coupons
Chase Return protection on business cards
Added on : Tuesday March 11th 2014 09:00:10 AM
g: 0 Posted By: JuNooNi
Views: 199 Replies: 2 I apologized in advance but I tried searching this forum and on inter-web but couldn't find a definite answer. Here is the summary:

One of my relatives bought a fake jewelry (~$500) overseas using his Chase business card (I think one of the Inks card) which he immediately tried to return it after finding out that it was fake but the merchant refused to take it back (the whole episode took place within few hours, same day). Now he is still there and trying to file a police report but finding it very difficult. Here is my question (which might help others as well). I know the legendary AMEX purchase and return protection (mainly items bought in USA) but is there anything similar with Chase Visa card (in this case business card). He talked to a CSR and according to them, they can't do anything until charges are settled (take another day or two). Chase CSR seems to confused return protection with purchase protection (items lost or damages within 90 days).

Any thoughts or experiences?
Personal Finance Deals
Free Ebooks 3-11-14
Added on : Tuesday March 11th 2014 09:00:08 AM
g: 0 Posted By: jhall1822
Views: 1 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

Freedom from Luggage: Packing Light to Simplify Travel
Rating - 4.8 (5 Reviews)

Travel without luggage. Really. Without luggage!
We first enjoyed packless travel while celebrating our retirement with two months touring New Zealand. Having escaped the many burdens of luggage, we offer you the same opportunity.
Learn step-by-step how to develop an efficient collection of travel clothes. Discover new ways to carry the few accessories we really need. You can be ready for most occasions and weather with a minimum of clean, fresh, wrinkle-free extra clothes. The goal: avoiding the hassle of even a roll-around carry-on.
Recognizing that some situations like cruises require some luggage, we also offer strategies for determining when you really need luggage and when you dont. Then we describe how to minimize any luggage you take.
We invite you to experience the freedom of packless travel.

Travel Resolutions: 52 New Ways to Experience Planet Earth
Rating - 4.3 (3 Reviews)

Every day is a good day to make a resolution. Let Lonely Planet help you celebrate travel and create your ultimate travel wish list. Our FREE ebook Travel Resolutions: 52 New Ways to Experience Planet Earth features some of the most inspiring travel experiences from the travel experts at Lonely Planet. Paraglide in South Africa; rock climb in China; sleep in a tree-house on Canadas Vancouver Island; take a cooking course in Jordan or a flower-arranging course in Kyoto; go clubbing in Berlin; and much more. The 52 experiences introduced in this planning ebook will whet your travel appetite and help you to decide which promises to make and inspire you to keep them all. Begin your journey now!

Beginners Guide to Fly Fishing
Rating - 5 (1 Review)

In many cases an anglers life proceeds in a series of stages. To begin with he goes in for the simplest way of catching fish because at that stage his sole outlook is to deceive as many fish as possible at each outing, irrespective of the size or lack of cunning of such fish.
Later the angler may well find that he feels an urge to try something more difficult in the way of either fishing methods or fish.
Gradually he finds that there can be immense satisfaction in catching fewer fish, but of better size, possibly through mastering a more difficult method of fishing which, when he started fishing, seemed beyond his skill.
Eventually, having tried out various methods among various fish, most enthusiasts settle down to one, or perhaps two methods and apply them to the pursuit of one or two kinds of fish.
You have of course, exceptions. There are those who are dedicated to coarse fishing with bait and who would not waste time going after trout or salmon. You have the trout or salmon Fanatics who would not fish with bait for any fish and who have no interest in coarse fishing. Then there are the few who divide their time between coarse and game fishing.
For myself I am a trout and salmon addict and nowadays I fish only with the fly. That does not mean that I do not admire those who fish for other fish in other ways. Indeed I think that the coarse fisher of the English waters is worthy of the greatest admiration as a very sporting gentleman who goes to immense trouble and expends great skill to catch fish, all of which he returns to the water. What could be more sporting than that?
In my own case I caught my first trout on fly and it was at a later date that I enjoyed flood fishing with the worm.
So with salmon-my first fish was on a fly and it was in later years that I learned spinning with the difficult centre-pin reel and then went on through almost all the spinning reels that were manufactured. Eventually I turned to the fly completely for the simple reason that I love fly fishing better than any other method I have tried.
Today, as I see it, too many beginners buy a fixed-spool reel, find it simple to work and then, gaining an impression that fly casting is difficult, they go on bait fishing or spinning even though they feel they would like to try the fly.
I am not going to say that there is anything wrong in this but I do feel that many of our younger anglers today would like to try fly fishing if only they had someone to guide them at the start.
If in this way I can help even a few anglers to share the joy and the satisfaction that fly fishing has given to me over the years I will have been amply repaid.

Move the Ball: How the Game of American Football Can Help You Achieve Your Life Goals
Rating - 5 (2 Reviews)

Move the Ball draws parallels between football and life. The two are very similiar in that the principles needed to win the game of football are the same principles you need to win the game of life. Football teaches you how to use the strategies of the game to tackle any obstacle, beat any blitz, and overcome any blindside on lifes field. No matter what the situation, football provides you with the tools necessary to scramble through a field of defenders, move the ball forward, get into the end zone, and achieve lifes goals.
Achieving lifes goals comes down to this: hard work, teamwork, discipline, and dedication. In both situations, these principles build the conviction to drive that ball into your end zone and score. Defenders on your personal field intentionally want to stop the ball and limit your movement. You must recognize these defenders exist and have a plan to outmaneuver them. This book teaches you how to recognize the blitz, adjust to the blitz, and beat the blitz.
In football and in life, the players need to define the goals, invent the playbook, and execute the plays. Move the Ball draws upon the football playbook to show you how to do this and realize your dreams. Great players dont settle for being ordinary. They have a strong belief in themselves and strive to be extraordinary. They have M.A.D. P.R.I.D.E. This book shows you how you can use the elements of M.A.D. P.R.I.D.E. to overcome any obstacle and win.
As human beings, we need challenges to value our accomplishments; to experience the joy and elation of winning against obstacles. A great persons true character is displayed when he is able to face adversity, persevere, and accomplish his goals.
Life is about happiness. You only live once, so make every minute count. Life is about never giving up. Dont stop playing the game until its over. Life is about getting into the end zone and winning. You will achieve greatness.
The time is now for you to make the change. Are ready to move the ball?

Bow & Arrow, Archery Set for Scouts (Illustrated How to Build Guide #1)
Rating - 4.2 (23 Reviews)

This is a simple and illustrated, HOW-TO guide for an economical and environmentally friendly, Archery Set.
The materials used are bamboo, reed grass, and recycled man-made materials found easily around the world most prominently in third-world countries.
This guide will allow scouts in all economic situations to learn gadget building skills and archery, hence reinforcing the idea that Scouts Build a Better World.
Hopefully, experienced archers will find this guide entertaining and challenging, allowing them to expand their creativity and handicraft skills.
The author envisions a series of guides that serve to further enhance the development of scouts archery skills, while teaching them rudimentary survival tactics that they can both enjoy and benefit from.

HOW TO MAKE A WEBSITE OR BLOG: with WordPress, WITHOUT Coding, on your own domain, all in under 2 hours! (THE MAKE MONEY FROM HOME LIONS CLUB)
Rating - 4.4 (44 Reviews)

Learn how to make a professional website or blog on your own domain in less than a couple of hours, and learn how to do it all using the Internets most popular Content Management System: WordPress.
No coding knowledge is required to use WordPressif you can use Microsoft Word, you can make a professional website with WordPress (WordPress is software that is completely free).
It is all taught in step-by-step lessons in this book (with links to supporting video lessons for extra clarity - the video lessons show you the entire completion of mikeomarwebsites.com from beginning to end).
With the lessons taught in my book, you will be able to create any type of website that you want with any kind of look that you want, from personal blogs to professional business websites to e-commerce websites.
Also, included as a bonus chapter, an introduction to how to build passive income websites using WordPress, and how making money online actuallyworks!
Here are the topics covered in my book:
TECHNICAL / SETTING UP:
The SMARTEST and CHEAPEST way to buy a domain.
The SMARTEST and CHEAPEST way to buy a hosting package.
Linking your domain to your hosting account and installing WordPress.
BASICS:
An introduction to WordPress and best Search Engine Optimization (SEO) settings for your website.
How to add pages for regular websites.
How to add posts for blogs.
How to add pictures and links.
How to set up a sidebar using widgets.
How to change the look of your website with different themes.
How to add a contact form, plugins, and social media buttons.
ADVANCED:
How to install Google Analytics for tracking.
How to add buy now PayPal buttons.
How to add an interactive Google Maps map to your website.
How to set up a mailing list / newsletter (and best practices for doing so).
How to protect your website from hackers, malware, and other viruses.
Resources for e-commerce websites, doing keyword research, doing link building and SEO, affiliate marketing, membership websites, outsourcing, video recording, and more!
AN INTRODUCTION TO MAKING MONEY ONLINE:
What are some of the most common methods for making money online?
What is the simplest way to make passive income online?
If I want to make money online, where do I start?
The Structure of a $1,000 per Month Passive Income Website.
g: 6 Posted By: remick
Views: 1272 Replies: 2 Planes, Trains & Automobiles: A Fascinating Book Containing Facts, Trivia, Images & Memory Recall Quiz: Suitable for Adults & Children
http://www.amazon.com/Planes-Trains-Automobiles-Fascinating-Cont...

Hi and a very warm welcome to my "Planes, Trains & Automobiles" Bundle. A Fascinating Collection of Books, each providing Amazing Facts, Awesome Trivia, Stunning Images & A Fun Memory Recall Quiz: Suitable for Both Adults &
Children.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my
brain seems to store it for a later date.

I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.

This "Bundle" edition, featuring three of my books, includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end of each book there is a short "True or False" quiz to check memory recall
and to help cement some of the information included in each book. Don't worry though, it's a bit of fun but at the same time, it helps to check understanding.

If you are an expert on these subjects then it's unlikely you will find anything new here but if, like me, you enjoy learning unusual facts with interesting pictures then I hope you'll love it.
Totally Free Deals
g: 0 Posted By: edick
Views: 233 Replies: 0 RadioShack.com has theCoolerMaster Hyper 212 Evo back in stock (as of a few days ago) at a price of $31.99. Most other places online sell it for around this price - usually $35. Unless you are ordering other things to total $25 after the coupon, then you have to pay for shipping or do ship to store like I did (which is free).

If you signed up for the RadioShack 10 off 30 coupon, then this is a great item to pick up for any computer build both for cooling your processor and simply for reducing the standard cpu fan noise.

I know many are struggling to find good items to buy with this promotion. I hope this helps.

I was able to stack my upromise CC w/ their standard CB to get an additional 10% Cash Back, as well.

Overall, I have been watching this cooler for awhile and this is by far the cheapest price I could come up with.

Link
Computers Deals

RadioShack Coupons
Tenant Threatening to Sue Because I Am Going to Increase Their Rent
Added on : Monday March 10th 2014 07:00:16 PM
g: 0 Posted By: Pesare
Views: 155 Replies: 5 I need some advice here. I have a tenant who was on a two year lease and their lease is ending soon. The lease says that they have to give 60 days notice and they have the first right to renew their lease after their current contract is finished which they have already done. For the new contract I was going to increase the rent less than 10% as the rents have gone up in my area. They have threatened to take me to court since I am increasing their rent since they feel that everything including the rent should stay the same in the new contract even though we haven't signed anything and I haven't created it yet. Since this is an unusual situation I was wondering what would you do or has anybody had this situation before. Note that this is a standard increase and I think this guy is overreacting since it is hard for him to move to another place at the price he is paying for my unit, but at the same time he knows a few lawyers and I want to avoid the hassle of going to court.
Question Deals
Maximizing low "Earned Income" due to deployment part 2
Added on : Monday March 10th 2014 06:00:08 PM
g: 1 Posted By: walkerbait
Views: 29 Replies: 0 The original threadwasn't real long but had a lot of very useful information in it to anyone in this position. Since that thread was archived and I would like some feedback on my plans, I thought I'd post a part two to catch any recent updates and help anyone else out in the process.

I expect to be deployed for 9 months out of this calendar year to a combat zone, which is going to make my earned income very artificially low for 2014. I want to make sure that I am managing everything appropriately so that I can maximize the benefits. I expect my earned income, not including my combat exempted pay, to fall right around $22k for the year, which includes a small bit of income from a side business. I am married with 3 kids, and my wife stays at home.

I will continue to max my own and my wife's Roth IRA ($11k), and also plan to max the Roth TSP ($17,500). I will definitely max the SDP which will provide 10% interest on $10k, tax free, for the deployment + 90 days after. I won't be able to contribute to the SDP until I've been deployed 30 days and I plan to two it over two months ($5k each month since I cannot exceed net pay).

I can qualify for the Earned Income Tax Credit, which is $6143 and refundable, but I have to make sure my "investment income" stays below $3300. Based on last year, I expect to have about $1450 in investment income, unless something significantly changes. A significant chunk of that comes from stocks which are not yet in capital gains territory but will be in August ($2k in unrealized gains).

I calculate our standard deduction + personal exemption to be $31,900, which means I *could* consider rolling some of my wife's 401k into her Roth IRA without paying any tax on it. Only about 10% of my net worth is in that 401k, whereas about 40% is in a Roth account.

I am considering contributing some additional money to the traditional TSP (can contribute up to $52k total since I will be deployed). The downside is that if I do contribute to that the money is stuck until retirement age without penalty (AFAIK one cannot withdraw contributions, even if tax-exempt, without an early withdrawal penalty). I have tried to keep a decent chunk of cash available to get into an investment property, but I haven't spent the time to find the right opportunity yet.

Some of my questions:

Should I sell some or all of the stock before it gets into capital gains territory? I'd really like to hold the stock long term, but if I can sell now and buy a few months later at a significant tax advantage I have no problem doing that. Does that profit (non-capital gains) count toward investment income or toward earned income?
Should I do a partial rollover of the 401k to Roth IRA?
Is there anything I am missing?

For what it's worth, I will not qualify for the EITC or retirement savings credit for the foreseeable future (i.e. no more deployments).


Personal Finance Deals
g: 0 Posted By: EffSlickDiQ
Views: 228 Replies: 0 http://www.amazon.com/Sabrent-Compact-Smartphones-USB-Powered-AX...

This is the best charging device I have ever used. We use all the ports, we have an iPad, nexus 7, two android phones and 2 bluetooth devices. It is not like the cheaper ones that only use a few ports. You can effectively use all ports as intended. Great for traveling too.
Hotels have only one wall outlet sometimes and you can plug this in and charge all your stuff in one spot.
Batteries & Chargers Deals

Amazon Coupons
Free Ebooks 3-10-14
Added on : Monday March 10th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 154 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! FreeEbooksTodayposted more books than usual so I am just posting a couple of the 4+ star rated ones that stood out to me

Minimalist Living: Decluttering for Joy, Health, and Creativity
Rating - 4.7 (7 Reviews)

From About.com Readers Choice Award-winning author Genevieve Parker Hill comes a fresh new minimalism guide for everyone. If your garage, attic, closets, and surfaces are filled with clutter, all that extra stuff can get in the way of a full experience of life as it was meant to be lived. Minimalist Living covers not only techniques for decluttering, but how to fill your newfound space with meaningful activities that add joy to your life and support your goals.
This guide to simplifying for health, joy, and creativity teaches:
Why you should define your own sense of minimalism
How to create your Minimalist Mission Statement
How to use the techniques of blazing and gazing to declutter
Why decluttering now can lead to a happier, healthier, and more creative life
How to deal with sentimental items without losing their meaning
The amazing connection between minimalism and living your souls deepest purpose

Household DIY: Save Time and Money with Do It Yourself Hints & Tips on Furniture, Clothes, Pests, Stains, Residues, Odors and More!
Rating - 4.4 (10 Reviews)

n these pages, youll find methods that are helping people save hundreds of dollars.
This book contains proven steps and strategies on how you can do your own household maintenance activities without seeking help from professionals. Tips range from the manufacture of your own cleaning and hygiene products, stain removal to odor control and more. There are also some home and garden projects, as well as home improvement and craft ideas youll find interesting and useful.
These simple DIY techniques and tricks can be easily done by anyone. There are even some simple projects included that can be done at home which would not only be cost effective but financially rewarding as well!
Here is a preview of what youll learn:
*DIY Home
*DIY Cleaning Solutions
*DIY Gardening
*DIY Furniture Restoration
*DIY Odor Management
*DIY Personal Hygiene Products
*DIY Solutions to Clothing Problems
*DIY Crafts for Homeowners
DIY Resource List
*And Much, Much More!

How to Save Money at Home: A Room-by-Room Guide to Cut Spending
Rating - 4 (48 Reviews)

How to Save Money at Home: A Room-by-Room Guide to Cut Spending provides you with the know-how you need to manage your home well and inexpensively. It provides proven strategies for finding greater savings in every room of your home. With sensible and cost-effective solutions, this book will assist you in:
Saving money
Caring for your home for less
Running an affordable home
Organizing your home
Decorating on a dime
Preparing inexpensive meals
Trimming utility costs
Freeing up resources
And much more!
In short, this book will make you a pro at keeping your home comfortable for less.

CrazyBusy? One Simple Change to get your life back Productivity Book
Rating - 5 (2 Reviews)

If you are a professional looking for a personal productivity or a time management solution, this book is perfect for you.
If you already do weekly reviews but you need a better system, then this book will help you.
If youre an employee and you are tired of being CrazyBusy and are looking for a work-life balance on the road to success, this book will help.
If you are a one man army and you want to become more productive, then this book is for you.
However, if you just want to know how to do a weekly review, then continue reading.
What will I achieve by reading this book?
The book is a hands on book, and you will find the material organized into several categories designed to walk you through the process
Heres just a taste of what youll discover
Secrets of time management expert Dr. Stephen R. Covey that few people ever know about
Youll discover in just a few short minutes how to become the productivity expert you have to be to make it in todays world
When and how to work on your life plan
How to make a real change in your life
The once famous but now forgotten secret that instantly allows you to find a balance in your life
These are the results you can have in your life TODAY.
Totally Free Deals
Emirates denial of hotel stay at Dubai for 19 hr lay over
Added on : Sunday March 09th 2014 12:00:07 PM
g: 0 Posted By: ravinair
Views: 24 Replies: 0 We have booked JFK-India return trip for 4 travelers in July-Aug 2014 (3 weeks) to visit family in our native place. By chance, the flight from JFK leaves at 11 AM (Airbus 380) and reaches DXB the next day 8 AM and the next available flight to our destination will leave only after 12 hours (at 9.30 PM, reaching COKat 3 AM). In our case, we had booked the following flight leaving at 3 AM next day so we reach conveniently in the morning at 9 AM. Emirates is denying us any accommodation (to sleep / rest) at DXB for a 19 hour lay over saying our ticket is not eligible. FYI, the cost of the tickets was paid by credit card in full. This is crazy as after 13 hour Trans-Atlantic flight, family of 4 are left to hang around the DXB airport. While Emirates website says hotel stay & food will be provided for >8 hr layover, they state it will be based on your ticket and not for all passengers with > 8 hr layover. Appears Emirates starting to treat their passengers like animals. I appealed few times but Emirates do not budge. Have anyone faced similar issue in the near time? And what was the outcome ? Thanks.
Air Travel Deals
Toshiba Canvio 3.0 Portable Hard Drive - 500GB $30 Sams B&M YMMV
Added on : Saturday March 08th 2014 08:00:04 PM
g: 0 Posted By: ssg79
Views: 64 Replies: 0 Toshiba Canvio 3.0 Portable Hard Drive - 500GB
Item#:320527 Model#:HDTC605CK3A1

Linky

YMMV, found a few in stock at zip 63701
External Hard Drives Deals

Sams Club Coupons
Seagate Central 3TB Shared Media Storage Drive $80 Sams B&M YMMV
Added on : Saturday March 08th 2014 08:00:03 PM
g: 0 Posted By: ssg79
Views: 74 Replies: 0 Seagate Central 3TB Shared Media Storage Drive
$80 Sams B&M YMMV Found a few at zip 63701, not sure if others would have it in stock.
Item#:289405 |Model#:STCG3000100

Linky

Hard Drives Deals

Sams Club Coupons
Bluebird & Reward Checking Requirements
Added on : Saturday March 08th 2014 09:00:10 AM
g: 0 Posted By: catanpirate
Views: 80 Replies: 1 This may have been posted before.

Many reward checking accounts require a certain number of direct deposits and a certain number of debit card transactions. I just found that when I linked my reward checking account, along with its debit card, to my bluebird I can take care of all the requirements in a few minutes every month. For the direct deposits, it's as easy as transferring money from your bluebird to your checking account. For the debit card transactions, you have to link your debit card and select it under "add funds" and do your 8 or 10 transactions ($1.00, $1.01, $1.02...).

After this, it's fairly easy to keep your rewards checking account at a certain balance - say, if you are only paid interest up to $15k. Do your debits, then your ACH direct deposit. When you accrue interest in the checking account, simply debit that to your bluebird and use bluebird's bill pay to pay down a credit card or utility. It's handy to keep a few bucks in your bluebird.

If you can't automate your reward checking requirements, this is a good option. Enjoy!


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

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

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

Specs:

Provides four audio inputs and four audio outputs (two analog, two digital) for a Windows or Macintosh computer
Two XLR mic inputs
Switchable phantom power (48 volt)
High-quality, low-noise mic preamps
Two analog line inputs (one switchable to high impedance for use with guitars, basses, etc.)
Stereo digital audio input and output (input: SPDIF, output: selectable SPDIF or AES/EBU)
MIDI input, MIDI output
Up to 96-kHz/24-bit for high quality recordings
Zero-latency hardware monitoring with level control and mono switch
Separate controls for output level and headphones volume
USB 2.0 equipped (also supports USB 1.1)
USB-powered, no AC adapter required
Solid aluminum side panels
Cubase LE4 included

Electronics Deals

Musician's Friend Coupons
Gals Lace Up Camo Tank Tops Sale $22 GirlsGoneBiker.com
Added on : Saturday March 08th 2014 03:00:02 AM
g: 0 Posted By: Howdynow
Views: 12 Replies: 0 They are 50% off, and there are a few others on sale too. The camouflage print tank tops lace up in the back.Very cute and in several sizes and colors. Over $50 is free shipping.
http://girlsgonebiker.com/Sale-Items_c20.htm
question: auto accident/ contesting repair estimate
Added on : Saturday March 08th 2014 01:00:05 AM
g: 0 Posted By: rasheedaas
Views: 64 Replies: 0 Pulling out of a parking space, I pulled into the path of a vehicle. My fault. I checked my mirror, but did not check the blind spot.
Cop was called, ticket and points issued to me.

I looked at the other vehicle, she had a few scratches on her bumper, no dents, a few scratches.
I'm thinking I got off light, and told her let's do this without insurance.
so she sends me an estimate of over $1000. cuz she needs a new bumper.

I don't think she needs a new bumper.
I now have the option of going thru my insurance company and higher rates.

but I'm wondering is there no way to contest this estimate?
Isn't there some standard of reasonableness?

suppose she decides she needs a new paint job, cuz the new bumper doesn't match? Am I responsible for that too?
Personal Finance Deals
Should i move my stock investment to my parents?
Added on : Friday March 07th 2014 11:00:09 AM
g: 0 Posted By: hhjj134
Views: 33 Replies: 1 I have been doing pretty good in stock market in the past few years. Since I dont have much income as a student and my account was just some small numbers, tax was never a concern even I doubled the account.I started working last year and added some additional fund to stock account. With the work income and investment income start to getting big, I start to think if should change my tax strategy.
My parents has so much less income, so I am wondering if have my parents open an account and trade in there.

Here is our income info.
Myself: $70k
Dad: $26k
Mom: $45k

Assuming assume I make 20k a year. Should i move the investment to under one of my parents' name?
g: 0 Posted By: unkinected
Views: 19 Replies: 0 So I've hit the income limit for contributing to a Roth IRA. I have a Vanguard Roth with about 16k in it (S&P index fund). I've been happily and automatically sending money to it each month, which I now need to stop.

Putting aside anyissues of over-contribution for a second (which may or may not be applicable - I need to do the math)...

My question is what should I do with the Roth account? The options I know about are a) recharacterize into a traditional IRA, and then go on happily contributing, or b) leave the account as-is and use the monthly contribs somewhere else. For background, I'm 35 andam currently putting into my 401k my company match plus 2.5%.

Recharacterize:
- I can keep contributing to a tax deferred account
- No tax deduction because my income is over the limit ($70k for a single in 2014), which negates any benefit for me today.
- I currently assume my tax bracket will be lower in retirement, so contributing here still makes some tax sense. This is a big question however...I'm 35 now, it's hard to guess where I'll be in ~30 years.

Keep as-is:
- Obviously I can't grow the account with contributions
- I'll get the money tax-free at retirement (which I don't think will be a ton, given the current relatively low balance)
- I can use the money I would be contributing tothe traditional IRA somewhere else.

I'm torn. Assuming my tax bracket is much lower in "retirement" then I think recharacterizing and continuing to put away money makes sense. All of my contributions should be non-deductible (assuming my income doesn't drop way down), which means only earnings are taxed (and I get a low tax bill). If I switch gears and add the money instead to my 401k, I save some tax today, but will pay for it when I withdraw. Alternatively, if I take the money and put it in long-term investments, my earnings will be taxed at long-term capital gains rates (let's assume ~15%).

A few questions: will my income tax rate in retirement be lower than the long-term capital gains rate? is the tax saved today in a 401k worth the tax when I withdraw?

Gah, so many variables, not least of which is I have no idea what life will be like in 30 years.

Would love to hear the forum's thoughts! Thanks!!!
Personal Finance Deals
Albertsons Owner to Buy Safeway for More than $9 Billion
Added on : Thursday March 06th 2014 05:00:08 PM
g: 1 Posted By: NoMoneyInMyWallet
Views: 72 Replies: 1 http://www.nbcnews.com/business/business-news/albertsons-owner-b...

http://www.cnbc.com/id/101464756

http://www.usatoday.com/story/money/business/2014/03/06/ceberus-...

http://www.baltimoresun.com/business/bal-safeway-sale-would-tran...
Discussion Deals
$51k in bank, 24 years young... time to buy my own pad?
Added on : Thursday March 06th 2014 04:00:10 PM
g: 0 Posted By: tol835
Views: 209 Replies: 6 I have been racking my brain about the idea of buying my own place... please read on if you are also pondering this or have something to contribute!

I live in Chester County in Pennsylvania. I have 51k in savings, 7k in other fairly liquid assets (Also it is stuff I could part with) not including my car, and 12.5k in my 401k (current total contribution is 10%). My monthly take home is $3,106. I am currently paying $600 a month for a small room in a nice 2,000 sq. ft. three story townhouse worth about $260,000 with 2 other roommates that I tolerate but don't enjoy living with all that much. The one guy owns the place. EVERYTHING is included for the $600 and I am NOT in any type of contract. The house is 2 miles from the office which is the biggest benefit of living here. I have no other financial obligations besides my car and renter's insurance.I have a 2 year specialized technology degree and have been working full time in my career for 4 years at the same company.

I have looked at a few houses, and am considering purchasing a townhouse for around 160k, putting 20% down making the loan $128,000. In addition to annual property taxes of around 2-3k, I would likely have a monthly HOA fee of $125-$215.

I am very independent and like being in control and living with 2 roommates is starting to get very taxing on me. If I get lonely at my own place (Im not sure if this would happen or not) I could always rent out a room and also pay the mortgage off faster. Also, living with only one other person in the house who I can choose myself shouldnt be too bad if I vet and choose the right person.

Having said all that the obviously other choice is to rent a one (maybe two) bedroom studio apartment for around $800-$1,000 a month plus utilities so maybe $1,200ish. Thats double what Im paying now but would likely still be within 5-7 miles of where I work. The other big downside to this choice would be that I would be in a contract, so purchasing a house wouldnt be as easy when the time came. However, I would try to get a lease with an out provided I give the landlord a 3 month or so heads up.

Thoughts from the older and wiser would be much appreciated!
Real Estate Deals
Samsung Galaxy Gear Smart Watch $200 (AR) Tiger
Added on : Thursday March 06th 2014 06:00:05 AM
g: 1 Posted By: ChiefBrody
Views: 239 Replies: 1 All colors. It's a $100 rebate.Not as good as the $149 BB deal a few weeks ago. Not sure about shipping. Didn't get that far.

BaBaBLinko

**Gear 2 is coming out April 13**

Ends03/31/2014.See Terms.Restrictions Apply.NOTICE: Limit (2) TWO rebates per person, billing address, company, or household
Watches Deals

Tiger Direct Coupons
Free Bottle of Neuro Sleep for VONS Just4u members (New)
Added on : Wednesday March 05th 2014 10:00:12 AM
g: 0 Posted By: TheNomad
Views: 195 Replies: 1 To get your free bottle, you need to be a Vons (safeway stores) Just4u member. I am in So Cali and this coupon was under coupon centewr, NOT personalized deals. But again, as always, YMMV
Totally Free Deals
Free Ebooks 3-5-14
Added on : Wednesday March 05th 2014 07:00:10 AM
g: 0 Posted By: jhall1822
Views: 46 Replies: 1 Note: I only posted the books from FreeEbooksToday.com that have a rating of 4 or more, there are others if you are interested. Please make sure the books are still free on Amazon before purchasing!


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

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

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

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

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

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

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

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

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

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

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

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

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

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

As you read, you'll have the option to read two completely different perspectives on each life lesson.You can start with the artistic account written by Seth, bass player for the southern rock band NEEDTOBREATHE.Or...Dive into Chandler's entrepreneurial story told from the perspective of the younger brother.There are two major benefits that will manifest from reading these intriguing tales. First, your life will gain a fresh new outlook on how blazing new trails can be the perfect addition to your own path.
Totally Free Deals
g: 7 Posted By: MISTERCHEAP
Views: 835 Replies: 15 Rebate amount on a pair of ANCO Contour Wiper blades is $15USD. Rebate amount on a pair of ANCO Transform or Profile Wiper Blades is $10USD. Rebate amount on a pair of AeroVantage or Winter Blades is $5USD. 31- Series and Rear blade do not qualify for this rebate. Rebate reward limited to a maximum of (4) pairs per person and/or household address. Maximum rebate reward is $60USD. Offer valid 3/1/14 through 4/30/14. Rebate submissions must be postmarked within 14 days of purchase. Allow 10 weeks for delivery of rebate reward following the date of processing of all required documentation at program headquarters. We reserve the right to pay rebate via check, PayPal, or prepaid card. The Visa prepaid card is not redeemable for cash at any ATM. Certain bank Terms and Conditions apply to the card. Subject to applicable law, a monthly maintenance fee of $3 (USD) applies, but is waived for the first six months after the card is issued. Your card will be issued by MetaBank~TM~ pursuant to a license from Visa U.S.A. Inc. Cards can be used at any merchants that accept Visa debit cards. Valid in 50 United States and D.C. Excludes Puerto Rico, Virgin Islands and other U.S. territories. Offer valid only to individual consumers; requests from groups, clubs or organizations, or commercial purchases, will not be honored. Invalid or duplicate requests will not be honored or returned. No incomplete, damaged, photocopied, mechanically reproduced, altered, or forged receipts or offer forms of any kind or receipts or offer forms not obtained through authorized channels will be accepted. Original receipts only. Online purchases must include the original packing slip. To complete rebate processing, the Rebate Redemption Certificate must be submitted along with the original receipt validating the purchase of the qualifying pair(s) of ANCO wiper blade product(s). Federal-Mogul Corporation and its respective parents, affiliates and subsidiaries (collectively, "Releasees") are not responsible for late, lost, illegible, damaged, incomplete, misaddressed, misdirected, inaccurate or postage-due mail, receipts, offer forms or rebate checks, or for any errors of any kind relating to this offer. All rebate documentation becomes property of Federal-Mogul Corporation and is non-returnable. Federal-Mogul Corporation is committed to ensuring that all information gathered is kept confidential. Information collected is for internal purposes only. Federal-Mogul Corporation has no obligation to acknowledge, redeem or return redemption requests not in compliance with these terms. Excessive submissions and/or other fraudulent activities may result in federal prosecution under the U.S. mail fraud statutes (Title 18 United States Code Sections 1341 and 1342).The name on the redemption certificate must match the name on the receipt and/or service invoice and cannot be combined or used with any other rebate offer, promotion, coupon or discount card. For alternate means of redemption please call 855-278-7985.

https://www.ancorebate.com/Home/?lang=en

see SLAMMINMOFO's post a few posts up for info on a great deal at Rock Auto. Please direct any questions to him.
Tools & Automotive Deals
g: 0 Posted By: bittul
Views: 149 Replies: 0 drugstore.com is taking an additional $5 off $20 P&G brand Hair Care products.
Stack with some product coupons for a decent deal.

With an additional $5 in coupon savings, total should end up about $10.

NOTE: As always, you need to enter your zip-code and click "get estimate" in cart to see the additional $$ off... ALSO, drugstore.com will sometimes put through a pre-authorization charge that doesn't include the $$ discount. This is normal.

Items in my cart:

$6.59 = Pantene Pro-V - Classic Care Daily Shampoo - 25.4 fl oz: http://www.drugstore.com/pantene-pro-v-classic-care-daily-shampo...
$6.59 = Pantene Pro-V - Classic Care Solutions Classic Care 2-in-1 Shampoo & Conditioner - 25.4 fl oz: http://www.drugstore.com/pantene-pro-v-classic-care-solutions-cl...
$2.99 = Vidal Sassoon Pro Series - Shampoo, Extreme Smooth - 12 fl oz: http://www.drugstore.com/vidal-sassoon-pro-series-shampoo-extrem...
$3.99 = Pantene Pro-V Expert Collection - Advanced Keratin Repair Shampoo - 3.9 fl oz : http://www.drugstore.com/pantene-pro-v-expert-collection-advance...

Total price of items in cart = $20.16
-$5 in coupons (click checkboxes on product pages) - $5 in P&G discount (enter zip-code) = $10.16

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
*Make this deal even slicker with options below.*

How to make this deal even slicker?

1) If you haven't used it on your account yet, save an additional 10% by using this 10% off link

Total for cart above = $8.64.

2) Add a few more items and stack with "additional" $5 off $40. Click here. Or stack with additional 15% off over $60. Click here

3) Don't forget the $15 rebate for $50 in P&G products (calculates from AFTER all discounts): http://cdn.pgeveryday.com/Assets/Modules/Editorial/HtmlContent/B...

4) If stacking with $5 off $40, or with 15% off over $60, might want to stack up on Advil, as there's $10 off $30 there... Click here


Put together a good cart? POST IT!
Health & Beauty Deals

drugstore.com Coupons
Free bottle of Neuro Sleep at Safeway brand stores
Added on : Tuesday March 04th 2014 09:00:08 PM
g: 0 Posted By: remick
Views: 146 Replies: 0 check your on-line coupons
Beverage Deals
any way for my sister to pay bills without losing benefits?
Added on : Tuesday March 04th 2014 07:00:11 PM
g: 0 Posted By: IStillPickUpPennies
Views: 123 Replies: 3 My sister was diagnosed with cancer a few months back. She worked at a call center for almost a decade. There was lousy insurance there, and no job security at all. (you could be fired if your typing speed dropped just a little, etc.)

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

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

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

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

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

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

Can anyone think of a simpler way for her to pay her bills in a check-like fashion (mailing out some form of payment) without having to first deposit the money into her accounts? I am not really coming up with any good solutions for this, so I'd appreciate suggestions. Thanks so much for any helpful ideas you might have to try.
Personal Finance Deals
g: 0 Posted By: remick
Views: 76 Replies: 0 Planes, Trains & Automobiles: A Fascinating Book Containing Facts, Trivia, Images & Memory Recall Quiz: Suitable for Adults & Children
http://www.amazon.com/Planes-Trains-Automobiles-Fascinating-Cont...

Hi and a very warm welcome to my "Planes, Trains & Automobiles" Bundle. A Fascinating Collection of Books, each providing Amazing Facts, Awesome Trivia, Stunning Images & A Fun Memory Recall Quiz: Suitable for Both Adults &
Children.

I'm one of those people who loves to hear about extraordinary facts or trivia about anything. They seem to be one of the few things my memory can actually recall. I'm not sure if it's to do with the shock or the "WoW" factor but for some reason my
brain seems to store it for a later date.

I've always been a great believer in that whatever the subject, if a good teacher can inspire you and hold your attention, then you'll learn! Now I'm not a teacher but the system I've used in previous publications on Kindle seems to work well, particularly with children.

This "Bundle" edition, featuring three of my books, includes a selection of those "WoW" facts combined with some pretty awesome pictures, if I say so myself! At the end of each book there is a short "True or False" quiz to check memory recall
and to help cement some of the information included in each book. Don't worry though, it's a bit of fun but at the same time, it helps to check understanding.

If you are an expert on these subjects then it's unlikely you will find anything new here but if, like me, you enjoy learning unusual facts with interesting pictures then I hope you'll love it.
Totally Free Deals
g: 0 Posted By: remick
Views: 133 Replies: 0 Prospect & Flourish: How to Conquer the "Weakest Link" in the Sales Process (a guide for sales professionals and job seekers) byKeith F. Luscher
http://www.amazon.com/Prospect-Flourish-Conquer-Weakest-professi...

In truth, selling is anything but easy. But for professionals who understand and practice this from the heart, selling is easier! It is more naturalit is the result of building relationships.

There is plenty of information out there on how to sell. But to truly flourish, you must first prospect. Everyone has to prospect. Most people
hate to do it, and we believe that the five most common reasons why sales professionals dont prospect enough are:

They dont understand the value of what they are selling
They have a fear of rejection
They dont know what to do or how to do it
They are not motivated
They have a personal difficulty to overcome
Do any of these statements describe you? If so, you are not alone.

Indeed, it all truly comes down to sales, which cannot occur unless you keep your pipeline full. After all: The number one cause of FAILURE for sales professionals and job seekers is lack of prospects.
While you have plenty of resources and options at your disposal to learn more about sellingbut there is not enough out there to help sales people confront their fears and overcome their personal challenges when it comes to prospecting.
Until now.

Introducing the all new fourth edition of an intense, peer-reviewed, time-tested book on prospecting: Prospect & Flourish: How to Conquer the Weakest Link in the Sales Process. Originally created for use in the insurance industry, Prospect & Flourish is a comprehensive guide to business prospecting in all its forms. Readers will learn how to:

Become a networking maven, and build connections and relationships with people from across town to around the globe.
Develop centers of influenceoften the cornerstone of a healthy client portfolio.
Master the art of referrals and introductionswhich begins with knowing the difference between the two.
Establish their own trusted board of advisors, who can provide expertise, counsel, and yes, referrals.
Become properly scripted, so they will know what to will say before they say it when it comes to engaging prospects in all types of situations.
Get their foot in the door at companies where they do not have any prior connection (our secret: Use a Wedge).
Learn about networking and referral groups, and how to make the best use of them not just for yourself, but for your colleagues as well.
Learn to properly use social media, such as LinkedIn, Facebook and Twitter to engage prospects by delivering value while building a professional brand.
And much, much more. This all new fourth edition contains nearly 300 pages worth of tips, how-to strategies and resources that will enable you to Prospect & Flourish continuously every day!

What is Your Return on Investment (ROI) in Prospect & Flourish?
Indeed, the return on your investment is fairly simple to calculate. While guarantees in many professional industries are difficult to extend, I guarantee this: if you adopt just a few approaches that you will learn throughout this book, you WILL see results.
If what you learn enables you to create at least one new client relationship, your investment has just paid for itself many times over.
Further: Look beyond your first paycheck for that single new client or job. What do you think will be the lifetime value of that one relationship? How much might you earn through serving that single entity over the lifetime of your career?
The payback on your investment grows exponentially.
Totally Free Deals
Lease numbers
Added on : Tuesday March 04th 2014 05:00:18 AM
g: 0 Posted By: blueis300
Views: 22 Replies: 2 Lease numbersI guess this would be the place to ask these questions. I tried to use Edmunds but still have a few questions. Trying to lease a Cadillac Srx Luxury. I know its not the base but has some added features like Navigation. The one questions is there is a supposed $1500 if you go from a different lease company and come lease with them. Does that mean I can negotiate from the MSRP also. Here are some of the figures I have and hope I can get close to understanding them. We saw the lease special of course that was low but was base with nothing. Yes I know the apr is based on credit but trying to get what I should actually pay for the vehicle.


MSRP $45,325.00
LEV .58% I know what that means
$26,288.50
39 months
apr they are using a 2.25%
cash collected $654.78
Rebate $1500
Selling price 43,850.00
ttl/cap $1250.00
taxes $1640.88
total cash surplus $674.58
adjusted cap $43,733.05
ttl start $654.78
Base payment $513.81
7% tax $35.97
payment $549.79
Free Ebooks 3-4-14
Added on : Tuesday March 04th 2014 05:00:16 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: I did not find these books myself, they are from FreeEbooksToday.com

25 Days to an Organized Home Challenge: Revolutionize Your Life and Gain More Time
Rating - 4.5 (2reviews)

Join our 25 Days to an Organize Home Challenge, where you will learn the process for creating and maintaining your household organizational systems. Learn everyday tips and tricks for keeping your home organized, and create a stress-free, peaceful environment!

Green Cleaning: Natural Cleaning Tips for the Eco-Friendly
Rating - 4.5 (2 reviews)

Within the book, you'll learn about how to tell if products are truly natural or if they just say they are. You'll also learn how going green can affect those around you in all kinds of ways. See below for some more specifics you'll find within the pages:
How to stay green when it comes to landscaping
A simple way to make your own air freshener that can be used anywhere
Tools that can be used to stay eco-friendly
How to start with small changes and do more over time
How green cleaning can actually improve your health

Stunning Portrait Photography - Posing and Lighting! (On Target Photo Training)
Rating - 4.6 (144 reviews)

Stunning Portrait Photography - Posing and Lighting is everything you need to know to COMPLETELY master portrait photography!PLUS it is easy to read - easy to understand and so well illustrated that even the greenest of rookies will understand!Here are the Table Of Contents. Look at everything that is covered!Introduction
Arms - Elongating And Foreshortening
The Plane!
The 4 Positions Of The Upper Arm
The Forearm "Trap!"
The Hand - Bold and Tapered Poses
Bold Hand Poses - Masculine
Tapered Hand Poses - Feminine
Eleven Ways To Pose The Hands!
Use A Prop
On The Chin
At The Lapel Or Neckline
On The Hip
On The Opposite Arm
On Top Of - Or Behind - The Head
At The Waistline
In The Pocket
At The Side
On The Lap Or The Knee
Leaning On An Object
The Head And Shoulders Portrait
Positioning The Head
Full Face
Profile
Three Quarter Head
Directing The Model
The Horizontal Turn
Vertical Lift Or Drop
Diagonal Tilt
Correcting Facial Flaws With Head Position
Photographing The Face
Moveable Parts
The Pupil
4 Ways To Avoid Squinting And Closed Eyes
Shoot With The Light At The Subject's Back
Shoot Later In The Day
1 - 2 - 3!
Bounce Or Diffuse Your Flash
The Mouth
Emotions
Happiness
Anger
Sorrow
Fear
Lighting The Portrait
The Shadow In Portrait Photography
The "Short Light" And The "Broad Light" Patterns
The "Split Light"
The "Loop Lighting" Pattern
The "Rembrandt Light"
The "Butterfly Light" Pattern
The "Fill Light"!
The "Lighting Ratios"
The "Background Light"
The "Hair Light"
The "Accent Light"
The "Three Light Set" Using One Light!
Eliminate The Dreaded "Red Eye!"
The "Photographic Ground Modification System"
Additional Photo Training

Finally Fix Your Credit: An Insider's Secrets to Getting the Credit Score You Need
Rating - 5 (7 reviews)The three authors of this book had one goal for writing this book. They want you to FINALLY fix your credit. You will learn the basics of the credit reporting industry. Then they want to tell you an easy to execute plan on how to fix your credit. The authors have decades of experience fixing credit and helping people live the life they desire that requires great credit.This is the most up to date information available. When deciding which book to purchase, consider the publication date. The industry has significantly changed in the last few years, why use a plan from 2010?This information is current as of 2014.Here are the Benefits found in this book:
-Finally fix your credit!
-Give you simple templates so you can send effective dispute letters.
-Show you new techniques used by credit pros in 2014 Now you are the pro!
-Educate you on the credit industry.
-This book is concise. We want to tell you want you need to fix your credit. We wanted to do this in about 100 pages. Anything else would be fluff you dont need and waste your time.
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g: 0 Posted By: remick
Views: 563 Replies: 0 http://www.amazon.com/Jumpstart-Superfoods-Weight-Loss-Discoveri...

4.5 out of 5 stars (14 customer reviews)

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

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

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



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

4.5 out of 5 stars (22 customer reviews)

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

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



Also Free in Healthy Living:

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

3.9 out of 5 stars (181 customer reviews)


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

4.8 out of 5 stars (8 customer reviews)


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

4.2 out of 5 stars (8 customer reviews)
Books Deals

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

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

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

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

Rachel did not want to be interviewed Monday.

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

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

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

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

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

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

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

Inglesino said he has spent more than $12,000 on the lawsuit because he wants Rachel to have a great future.Sean Canning said Inglesino is just butting in where he shouldn't and is influencing Rachel inappropriately.
Discussion Deals
KeyBank $200 for Checking Account
Added on : Monday March 03rd 2014 06:00:08 PM
g: 0 Posted By: mindbowels
Views: 151 Replies: 0 KeyBank just about always has a promo going. The latest one is a bit better than the last few ($129 Kindle Fire and $150 cash)


https://www.key.com/personal/promotions/dda/ps-200.jsp


As palmpilot said in a former thread:

For 14 states including AK, CO, CT, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, and WA.

Has a few hoops to keep the account free but nothing too crazy.

Need to keep the acct open 6 months, else $25 fee applies.

Deposits Deals
Would you take this job offer?
Added on : Monday March 03rd 2014 03:00:10 PM
g: 0 Posted By: t0pher
Views: 261 Replies: 9 Disclosure: I don't have an offer yet but I want to get some feedback in the event that I do get one this week.

Current Job

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

New Job

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


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

I've never used an offer to negotiate a higher salary at a current job. I'm willing to try it but I don't want to have my boss thinking that I'm a flight risk if I end up staying. I'm thinking if I get an offer I will present it to my boss in the most non-threatening way possible. What do you guys think?
Personal Finance Deals
g: 2 Posted By: remick
Views: 1068 Replies: 3 http://www.amazon.com/dp/B00BFG8YQK

5.0 out of 5 stars (20 customer reviews)

Break into the fashion modeling indutry without spending a fortune on bogus modeling agencies and professional photography!!
The Model's Bible + Global Modeling Agency Contact List, was written by international supermodel R.C. Lane, and is a straight forward fashion industry insiders guide on how to break into the modeling industry and succeed in creating a lucrative career as a professional working model in the fashion industry.

Develop a strategic plan to get signed!
The Models Bible + Global Modeling Agency Contact List, will help you develop a strategic plan to get signed with a modeling agency or commercial agency and begin working in as little time as possible. Everything you need to know as a professional working model is covered in great detail drawing from firsthand experience of over a decade of working with professional photographers and top clients in the fashion capitals of the world including NYC, Paris, Milan, London, and many more.

Learn how the pro's globally submit themselves to top modeling agencies for consideration no matter where they are located using a simple digital camera.

Gain access to the highly sought after, Global Modeling Agencies Contact List and get contact information to legitimate agencies in every viable fashion modeling market around the globe including top modeling agencies in NYC, Paris, Milan, Berlin, Los Angeles, London, Cape Town, Sydney and many many more!

Learn the techniques professional fashion models use on big budget modeling sets to create bullet proof confidence and make the job look easy!

Know how to spot a scam from a mile away and avoid the mistakes many new fashion models make that can be damaging to a modeling career.

Determine which market you have the most potential for working in among the many available segments of the modeling industry around the world including high fashion modeling, commercial modeling, fitness modeling, runway modeling, plus size or child and baby modeling.

Everything you need to know about commissions, day rates, and modeling contracts in order to get the best possible deals and keep the most money in your pocket.

Gain an exclusive backstage perspective on Fashion Week in NYC, Milano, and Paris and step by step instruction on what it takes to strut the runways like a seasoned pro.

What other readers are saying!:
"The Model Bible" by R.C Lane was indeed informative at explaining the ins and outs of the model industry. Another cool thing about the book is that at the end of the book there are actual addresses to model management companies all over the world." -Danielle Benji

"Anyone planning to start a career as a model, having their child enter the field, or just curious about the life of a model, would benefit by reading this." -James Liston

"The list of contact information for over one hundred modeling agencies around the world is worth the price of the book." -Frank Coopa

About the Author:
Author of The Model's Bible, R.C. Lane, has worked with the biggest clients and agencies in the fashion industry including Lancme, Maybelline, Calvin Klein, Guess Jeans, Armani, Vogue Magazine, and Harper's Bazaar to name a few. He has been featured in hundreds of campaigns, commercials, and magazines over a career spanning more than fifteen years as a working top model.
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g: 0 Posted By: sat1600
Views: 251 Replies: 0 at MacMall
Link

=18pxHPENVY TouchSmart 17-j037cl
Intel Core i7-4700MQ 2.4GHz
8GB RAM
1TB HDD
17.3" HD+ LED
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Beats Audio
6-Cell 62WHr Li-Ion
Natural Silver

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g: 13 Posted By: remick
Views: 1436 Replies: 2 http://www.amazon.com/dp/B007SC0LWK

4.6 out of 5 stars (120 customer reviews)

Revised Edition with TONS of new - easy to understand - useful training!

Portraits...Taking pictures of our friends and family - it's what we all want to master! Right?
However, when we think of doing "Portraits" the word alone is kind of scary! It sounds like it should be the province of professionals. We just want to do better pictures of our kids, our pets and our friends. Leave the "portraits" to the experts - right?
Wrong! YOU can get professional quality portraits too! It's easy! Once you know a few strategic portrait photography tips and techniques, your photos will almost instantly go from "That's nice," to "WOW - you did that?"
I've run a professional photo studio for over 20 years and here is a secret - getting top level quality portraits is easy, anyone can do it! Another thing I've learned is to teach YOU how YOU can do it!
Read through "Building A Portrait" (it's written in simple, easy to understand language with lots of example photos) and within an hour or so you will have so many "Ah Ha!" moments, you'll be giggling with glee. I know that sounds corny, but try it, you'll see what I mean.
Here's the thing - as a photographer whether you're a pro or an amateur with their first camera - it's your job to make your subjects look like a million bucks! In their portrait, they should look better than they've ever looked before! Now YOU can make that happen!

Here is the table of contents showing a bit of what is covered...

Introduction:
Review -
Neutral Density Filters
Graduated Filters
Backdrops
How To Build A Portrait:
Terminology And The Overall Shape Of The Photograph
Size Matters
Composition Tips:
Make Sure Your Photographs Tell A Story
Anti - Level Shoulders
Sit Up Straight
Use The "Rule Of Thirds" If It Makes Sense
Fill The Frame
Follow The Eyes
Who is the star
Focus On The Most Important Feature - The Eyes
Depth Of Field
Skin, Love It Or Leave It
Bare Skin Continued
Beauty:
Women Should Look Sexy And Pretty, Men Should Appear Powerful
The Symmetrical Face
Sexism In Portrait Photography
Here's A Really HARD Photo Tip
Problem Area Fixes:
Differently Sized Eyes
The Crooked Nose
Acne Scarred And Wrinkled Skin
Here's A Photo Tip That May Require Some Begging
Round and Chubby Faces
The Neck Wattle
Photography Clothing Tips
The "Photographic Ground Modification System"
Photo Exercises:
Additional Photo Training:

"Building A Portrait" starts at the very beginning with something as simple as deciding on what to call your photo's shape and goes all the way through advanced concepts. You are unlikely to ever find a more thorough grounding in portrait photography techniques!

Beauty - This section is a bit more esoteric! Just what is beauty? You can't effectively show beauty in your portraits if you don't know what it IS. In this section we will examine what makes us think one person is beautiful and another isn't. These concepts are hardwired in us - and people respond!
In the "Problem Area Fixes" section, we learn how to correct for physical flaws and make our subjects look like a million bucks! Just because someone has a crooked nose, one eye larger than another, and is covered by acne - it's no reason why YOU can't get a good portrait! In fact, you will look for challenges like this because they are fun!
You'll discover what to do to "fix" a crooked nose, skin problems, wrinkles, round chubby faces (oblong faces with high cheekbones are considered beautiful in most cultures) and so on.
Check out this course volume and your portraits will improve almost immediately. Your "models" will thank you. Unless your "model" is the family pet... They won't thank you - they don't care!
Question... Have you ever had someone look at a portrait you've done and actually been moved to tears of joy? You will after reading and employing the techniques you'll learn in "Building A Portrait!"
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g: 0 Posted By: Deals4mykids
Views: 40 Replies: 0 Just found a few Keen boots on sale at 6pm.com for 70% off including free shipping, lots of sizes available right now:
Tacoma - $48 (list $170) http://www.6pm.com/keen-tacoma-6-brown

Dallas Wellington - $51 (list 170) http://www.6pm.com/keen-dallas-wellington-soft-toe-dark-brown

Portland Slip-on - $54 (list 180)http://www.6pm.com/keen-portland-pr-slip-on-slate-black
g: -1 Posted By: HookLuvsDeals
Views: 145 Replies: 0 http://www.tigerdirect.com/applications/SearchTools/item-details...

Was $4.30 extra for econo-shipping for me....but no tax in california

Best deal I've seen on RAM in the last few days, not jumping on it cause I don't like rebates, especially ones that take 8-10 weeks, but this might be up someone else's alley.
Memory Deals

Tiger Direct Coupons
ExOfficio Men's GiveNGo Boxer Brief - $15.72 @ Amazon
Added on : Sunday March 02nd 2014 10:00:03 AM
g: 0 Posted By: slervik
Views: 320 Replies: 0 Amazon has the ExOfficio Men's GiveNGo BoxerBrief (Black) on sale for $15.72 with Free Super Saver Shipping on orders over $35.

Extremely quick-drying to you can wash on-the-go and pack fewer pairs
Treated with Aegis Microbe Shield to prevent and control odor-causing bacteria

LINK
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Looking for Advice on Affordability of Home Purchase
Added on : Sunday March 02nd 2014 09:00:07 AM
g: 0 Posted By: BillRHIT
Views: 182 Replies: 7 Hi all, I have run a lot of numbers and am on the verge of making an offer on a home. I believe we can comfortably afford it, but would like to hear others opinions and see if I have missed anything. I acknowledge that we don't "need" this fancy/large of a house, but I would prefer to buy our "dream home" now as opposed to buying an intermediary home and in 5-10 years moving up. We live in the midwest (not Chicago), so housing is cheap here.

My wife and I make a combined $250K. ($200 for me, $50 for her). My job is as stable as I could hope for. My income could fluctuate year to year, but should generally increase over time. I'm a new partner in a well established mid size law firm.

We currently live in a $140K home and owe about $80K on it. In addition to that $50-60K equity, we have $450K in liquid funds and $300K in retirement savings. Both of our cars are worth about 25K each and are paid off, and we have no debt other than the mortgage. We currently have a two year old son, and hope to have one more child in the near future. Our current home is too small for a second child. We spend $1000 a month on child care and will send our kids to the local public schools, which are very good.

Home would be 600K, maximum. Property taxes are roughly 5.5K annually with $500/yr HOA fees. With a 200K down payment and a 4.125% 30 year mortgage for the rest I figure the payment (all in) would be $2500/month.

Our net income is about $160,000. This accounts for taxes, health insurance, HSA contributions, and maxing out retirement savings. Obviously this would go up if we were to take on the larger mortgage.

Based on this, the mortgage described above would be ~19% of our take home pay. We would still have 300K in savings (provided our current home sells quickly, which we expect based on it being in great shape and the cheapest home in a desirable neighborhood/school district). I expect to spend about 20K furnishing the new home in the next few months.

Am I missing anything? Thanks in advance for your thoughts. I know many may think this is too much house, and I hear that, but you could spend it in worse ways, right?
Personal Finance Deals
g: 0 Posted By: CindyLouWho2
Views: 14 Replies: 0 Arabian Horse Assoc. - Free Booklet & DVD The Arabian Horse Experience: A Guide To Ownership"
Order a free booklet and DVD "The Arabian Horse Experience: A Guide to Ownership." Fill out the address form and answer a few questions. Brought to you by the Arabian Horse Association.

http://www.arabianhorses.org/education/guide/index.asp
Atkins Diet Quick-Start Kit- Includes 3 Free Akins Bars !
Added on : Sunday March 02nd 2014 05:00:23 AM
g: 0 Posted By: Deals4mykids
Views: 106 Replies: 0 Yes, you have to fill out a few quick things -- including create a password.Make it up and forget it if you don't want to use the site features.{It does have some neat dieting tools}. But never mind that.

Who doesn't like free snack bars ?
Take a half a minute and get them sent to you !

http://community.atkins.com/AtkinsDietDownloadableKitTest.aspx?m...
Food & Grocery Deals
GUNS: DPMS Oracle Flat Top AR-15 Complete $499 AR Cash
Added on : Sunday March 02nd 2014 05:00:17 AM
g: 1 Posted By: ZombieHunter
Views: 300 Replies: 6 I have owned a few of these and they have all been flawless. For this price, you can't go wrong.
$549 Cash price
-$50 MIR

This is a Mil-Spec rifle, so it is easy to mod and make into your own, with your own parts and accessories.

http://www.kygunco.com/dpms-panther-oracle-556-rifle-16-barrel-3...

rebate: http://www.dpmsinc.com/DPMS-Promotions_ep_211-1.html

Guns & Ammo Deals
g: -1 Posted By: icecow
Views: 208 Replies: 1 This is a derivative of this Monoprice $15 off $50 thread:
http://www.fullofdeals.com/Monoprice-coupons/monoprice-coupon-15-o...

Apple's cables are too expensive and the generic versions I've tried always failed me or were too much trouble (torture). Monoprice always delivered quality cables on the handful I've ordered. Others swear by Monoprice cables including their Lightning cables, which are said to work flawlessly so I ordered some a few days ago and have received and tested them. Neither my retina iPad mini or my 5th gen iPod touch complain. No problems. They charge. They just work. They are listed as Apple Certified so they should.

I thought these lightning cables deserve their own thread. I assume many others have gone through the same generic Lightning cable hell I have, and these are about 30% off of 12.0x per cable=$8.50ish: CHEAP (plus tax and cheap shipping) = about $10.50 shipped per cable when buying 4 plus ~$2 filler to make $50 before $15 off.

You enter the code on one of the Last pages when checking out so don't be spooked that you don't readily see the box.

$15 off $50 code: BONUS15 is one per customer, but I noticed you can use the same name, address and credit card number as long as enter a different email address that is required on the Last page when checking out.

$10 off $30 code for new customers: TAXACT217

Link to Lightning Cables:
http://www.monoprice.com/Search/Index?keyword=Lightning
Lengths avail: 4 inch, 3 feet, 6 feet, 10 feet. Price range ~$12.00-$13.50 before discount.

Monoprice also has Apple 30-pin cables for about $4 before discount.



Electronics Deals

Monoprice Coupons
Staples 15% off one Item Coupon + Free Paper AC/AR
Added on : Saturday March 01st 2014 08:00:03 PM
g: 1 Posted By: dazviking
Views: 133 Replies: 0 http://www.staples.com/coupons/

15% off one Item (excludes PCs et al., Apple et al. and Epson Ink (HP looks ok) and a few other typical items/services. )

Hammermill Copy Plus Ream, Free after Coupon and Easy Rebate

Expires March 8, 2014
Office & School Supplies Deals

Staples Coupons
g: 1 Posted By: remick
Views: 231 Replies: 0 http://www.amazon.com/dp/B00BFG8YQK

5.0 out of 5 stars (20 customer reviews)

Break into the fashion modeling indutry without spending a fortune on bogus modeling agencies and professional photography!!
The Model's Bible + Global Modeling Agency Contact List, was written by international supermodel R.C. Lane, and is a straight forward fashion industry insiders guide on how to break into the modeling industry and succeed in creating a lucrative career as a professional working model in the fashion industry.

Develop a strategic plan to get signed!
The Models Bible + Global Modeling Agency Contact List, will help you develop a strategic plan to get signed with a modeling agency or commercial agency and begin working in as little time as possible. Everything you need to know as a professional working model is covered in great detail drawing from firsthand experience of over a decade of working with professional photographers and top clients in the fashion capitals of the world including NYC, Paris, Milan, London, and many more.

Learn how the pro's globally submit themselves to top modeling agencies for consideration no matter where they are located using a simple digital camera.

Gain access to the highly sought after, Global Modeling Agencies Contact List and get contact information to legitimate agencies in every viable fashion modeling market around the globe including top modeling agencies in NYC, Paris, Milan, Berlin, Los Angeles, London, Cape Town, Sydney and many many more!

Learn the techniques professional fashion models use on big budget modeling sets to create bullet proof confidence and make the job look easy!

Know how to spot a scam from a mile away and avoid the mistakes many new fashion models make that can be damaging to a modeling career.

Determine which market you have the most potential for working in among the many available segments of the modeling industry around the world including high fashion modeling, commercial modeling, fitness modeling, runway modeling, plus size or child and baby modeling.

Everything you need to know about commissions, day rates, and modeling contracts in order to get the best possible deals and keep the most money in your pocket.

Gain an exclusive backstage perspective on Fashion Week in NYC, Milano, and Paris and step by step instruction on what it takes to strut the runways like a seasoned pro.

What other readers are saying!:
"The Model Bible" by R.C Lane was indeed informative at explaining the ins and outs of the model industry. Another cool thing about the book is that at the end of the book there are actual addresses to model management companies all over the world." -Danielle Benji

"Anyone planning to start a career as a model, having their child enter the field, or just curious about the life of a model, would benefit by reading this." -James Liston

"The list of contact information for over one hundred modeling agencies around the world is worth the price of the book." -Frank Coopa

About the Author:
Author of The Model's Bible, R.C. Lane, has worked with the biggest clients and agencies in the fashion industry including Lancme, Maybelline, Calvin Klein, Guess Jeans, Armani, Vogue Magazine, and Harper's Bazaar to name a few. He has been featured in hundreds of campaigns, commercials, and magazines over a career spanning more than fifteen years as a working top model.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 456 Replies: 0 http://www.amazon.com/How-Gospel-Brings-All-Home-ebook/dp/B0062X...

4.5 out of 5 stars (17 customer reviews)

In How the Gospel Brings Us All the Way Home, Dr. Derek W. H. Thomas explores Romans 8, which he calls the best chapter in the Bible. Here he finds an exposition of the steps through which God leads His people in the process of their salvation, but also loving counsel on such topics as prayer and resisting the Devil, as well as exhortations and comforts for weary pilgrims. Dr. Thomas begins at Romans 8:1 with the best news imaginable believers just and deserved condemnation before God has been taken away by Jesus Christ s work on the cross. He then contrasts earthly minded and spiritually minded people, showing that only those who are spiritually minded know life.
In Romans 8:29 30, he explores several steps in the process of salvation foreknowledge, predestination, calling, justification, and, finally, glorification which show God s invincible purpose in redemption. Finally, he unfolds the powerful promise of the final few verses of Romans 8 nothing can separate those God has redeemed from His saving love. How the Gospel Brings Us All the Way Home is a powerful exploration of the manifold gifts the heavenly Father has lavished upon His people and a preview of the greater inheritance that lies ahead.



Devotions for Lent (Ebook Shorts): Meditations Based on Best-Loved Hymns
http://www.amazon.com/Devotions-Lent-Ebook-Shorts-Meditations-eb...

4.4 out of 5 stars (37 customer reviews)



Manipulative People: A Step-by-Step Christian Plan for Dealing With Liars and Controlling People
http://www.amazon.com/Manipulative-People-Step---Step-Controllin...

4.8 out of 5 stars (5 customer reviews)
Books Deals

Amazon Coupons
Up to 40% off @ Disney Store
Added on : Saturday March 01st 2014 06:00:03 AM
g: 0 Posted By: DizzyT71
Views: 96 Replies: 0 http://www.disneystore.com/mn/1001152/?

Free shipping on orders of $50+ with coupon code: SHIPMAGIC (exp. 3/16/14)Here are a few examples:

Monsters University 12"Art Plush: Now: $1.99 MSRP: $19.95
Mickey Mouse Tee for Women: Now: $12.99 MSRP: $22.95
Winnie the Pooh 3-Piece Frame for Baby: Now: $9.99 MSRP: $29.50

Clothing Deals

Disney Store Coupons
g: 0 Posted By: remick
Views: 206 Replies: 0 http://www.amazon.com/How-Gospel-Brings-All-Home-ebook/dp/B0062X...

4.5 out of 5 stars (17 customer reviews)

In How the Gospel Brings Us All the Way Home, Dr. Derek W. H. Thomas explores Romans 8, which he calls the best chapter in the Bible. Here he finds an exposition of the steps through which God leads His people in the process of their salvation, but also loving counsel on such topics as prayer and resisting the Devil, as well as exhortations and comforts for weary pilgrims. Dr. Thomas begins at Romans 8:1 with the best news imaginable believers just and deserved condemnation before God has been taken away by Jesus Christ s work on the cross. He then contrasts earthly minded and spiritually minded people, showing that only those who are spiritually minded know life.
In Romans 8:29 30, he explores several steps in the process of salvation foreknowledge, predestination, calling, justification, and, finally, glorification which show God s invincible purpose in redemption. Finally, he unfolds the powerful promise of the final few verses of Romans 8 nothing can separate those God has redeemed from His saving love. How the Gospel Brings Us All the Way Home is a powerful exploration of the manifold gifts the heavenly Father has lavished upon His people and a preview of the greater inheritance that lies ahead.



Devotions for Lent (Ebook Shorts): Meditations Based on Best-Loved Hymns
http://www.amazon.com/Devotions-Lent-Ebook-Shorts-Meditations-eb...

4.4 out of 5 stars (37 customer reviews)



Manipulative People: A Step-by-Step Christian Plan for Dealing With Liars and Controlling People
http://www.amazon.com/Manipulative-People-Step---Step-Controllin...

4.8 out of 5 stars (5 customer reviews)
Books Deals

Amazon Coupons
Night Owls Early Birds Sale 15% off Storewide AC @ Kohl's
Added on : Saturday March 01st 2014 12:00:03 AM
g: 0 Posted By: Xenocrates
Views: 662 Replies: 0 Kohl'shas a 15% off coupon with very few restrictions.Combine this with Free Shipping with $50+ coupon.

LAMB - 15% off purchase

SHIP2ME50 - free shipping with $50 purchase

ENDS Sunday 3/2 !!

http://www.kohls.com/


Home & Garden Deals

Kohl's Coupons
Night Owls Early Birds Sale 15% off Purchase AC @ Kohl's
Added on : Friday February 28th 2014 10:00:02 PM
g: 0 Posted By: Xenocrates
Views: 94 Replies: 0 Kohl'shas a 15% off coupon with very few restrictions.Combine this with Free Shipping with $50+ coupon.

LAMB - 15% off purchase

SHIP2ME50 - free shipping with $50 purchase

ENDS Sunday 3/2 !!

http://www.kohls.com/


Home & Garden Deals

Kohl's Coupons
g: 1 Posted By: wfay
Views: 131 Replies: 0 I just discovered something (mildly annoying) and thought I would share it with the entire community.

I had a prepaid (Reward) Visa-branded debit card issued by MetaBank that was sent to me after filing for a rebate on an item/purchase from Newegg a few months back. The "valid thru" date was 02/14 so the balance was available to spend through 02/28/14 - and the card would revert to $0 balance on March 1, 2014.

The original balance was $20 and I spent all but $3.xx of it. I meant to go by McDonalds or something earlier and spend the remaining balance, but ran out of time during the day. So I went by an hour ago, right around 11pm my time (US Central).

The card was flat out denied. I thought this was a bit odd as I had checked the MyPrepaidCenter.com website just before I left and it showed the correct balance.

I've browsed the Cardholder Agreement and Terms of Use and various other documentation and can find no mention anywhere that the card would expire in a timezone other than my own, or perhaps that of Metabank (they seem to be based in South Dakota and Iowa - certainly not US Eastern). The customer service line has an 801 area code which is Utah - also not US Eastern.

I tried using the $3.xx on an Amazon gift card just now (11:30pm my time) and Amazon would not even accept the card for payment as it claimed the expiration date had already passed. But we all know Amazon is based in WA which is US Western. So clearly Amazon somehow "knows" the expiration time for credit/debit cards is US Eastern. Yet it seems this is not widely known as I myself am just discovering this fun fact.

Obviously the take-away is "don't wait until the last possible minute to spend your prepaid Visa debit cards" and I'd generally agree, but I think that MetaBank and other issuers should be required to make this expiration time (not just the date!) clear in their paperwork. I have coworkers who are based in Hawaii and I could imagine one of them might plan to use such a card for dinner on the expiration date only to discover it expired a few hours earlier, unbeknownst to them.

Hopefully someone else here finds this useful... Also I'm posting this so Google will pick it up for other people who may search for this type of information.
Discussion Deals
Free $25 Restaurant.com Gift Certificate for Prevacid
Added on : Friday February 28th 2014 07:00:05 PM
g: 1 Posted By: fatgempler
Views: 240 Replies: 0 Prevavid24hr.com is giving away free $25 restaurant.com Gift Certificated just for answering a few questions and entering a valid Prevacid UPC code from any of their products.
The restaurant.com code displays instantly and that you can visit restaurant.com and select $25 worth of restaurant coupons that you can then print on the spot.
restaurant.com does not have a great selection of restaurants to choose from but you might find something that you like.
If you need a Prevacid UPC code just look on Amazon.
This current promotion ends March 4th or while supplies last...
www.prevacid24hr.com
NOTE: the prevacid24ht.com web site does not work correctly in Internet Explorer 11. Use Chrome. I was unable to select the 'resturant.com' reward using IE11 and did not realize why the last time they offered this deal last month.

Program Term and Products: UPC Codes available on any count size of Prevacid24HR (Prevacid24HR 14ct, 28ct or 42ct) must be obtained and submitted between February 26, 2013 at 12:00:00 PM CT ("Start Date") and March 4, 2014 at 8:59:59 AM CT ("End Date").

Restaurants & Entertainment Deals

Restaurant.com Coupons
Real Estate Tax Assessment Appeals
Added on : Friday February 28th 2014 09:00:10 AM
g: 0 Posted By: NEDeals
Views: 87 Replies: 0 It's that time of year again, where a lot of local/state/county tax departments are sending out revised tax assessments for real estate. Has anyone had success appealing an assessment to a tax agency? If so, what made your appeal successful?

I've heard of companies who prepare an appeal and then take a portion of the tax reduction as their fee, although I can't find any that still exist. Are any of these companies worthwhile?

I'd appreciate any tips or advice from folks who have experience with assessments and appeals! I've found a few things in the archives, but it is quite dated.

Real Estate Deals
Free Knorr Mi Azzor rice seasoning at Safeway
Added on : Friday February 28th 2014 05:00:21 AM
g: 0 Posted By: nerraw00
Views: 148 Replies: 0 Just 4U card for rice seasoning mix free at safeway for this week. May not be on all cards as usual but just got the email so check their site.
Grocery Deals
g: 7 Posted By: remick
Views: 1129 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

DISCOVER:: How to Make New Year's Resolutions That Actually Stick!

Tell me if this sounds familiar: "The Ball" is about to drop on New Year's Eve. 2014 promises a brand new year, full of potential and infinite possibilities. So you make a list of the ways that this year will be different. Then what happens? Usually by late January you've already given up on your goals and moved on to something else.

The question is:"Why do people fail with their New Year's resolutions?"

The problem stems from what you expect to happen over the next 12 months. Instead of trying to make a gradual change, it's easy to approach the New Year with an "all or nothing" mindset. You want things to happen, so you create a series of lofty goals that can't possibly be achieved in a short amount of time. And ultimately this leads to failure.

The Secret to a Successful New Year's Resolution?

Is there a "secret" to making 2014 the best year ever?

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
Reward Credit Cards - ANY TOP $$ BONUS OFFERS?
Added on : Thursday February 27th 2014 06:00:08 PM
g: -1 Posted By: futurechipper10
Views: 141 Replies: 1 Hi! Does anyone know any hot reward credit card deals that are currently going on? I've seen quite a few good ones on here and SD before. I am talking about ones that allow gift card or cash redemption and are offering $200+. Also, if a credit card waves a fee in the first year, and you cancel the card within the first year, is a fee usually applied? I'm sure it's probably different depending on the card, but I'm talking about the majority of the time. One last thing...if anyone wants to explain the negative impact having 10+ credit cards has on your credit score, it would be greatly appreciated.

Thanks in advance!
Credit Deals
g: 9 Posted By: remick
Views: 1103 Replies: 0 http://www.amazon.com/dp/B00958HUN8/

4.5 out of 5 stars (59 customer reviews)

Have you always wanted to learn to chainmail but were afraid it's too difficult to learn or too expensive?


This is the first in a series of books detailing how to chainmail for beginners with absolutely no experience. Chain mail, also known as chainmail, maille, or chainmaille is a great hobby for any age that doesn't involve just making armor.

You can make almost anything from chainmail. Below are just a few examples of what you can make:
Jewerly (Bracelets, Necklaces, Anklets, Earrings, Rings)
Clothing (Bikini tops, Belts, Shirts, Ties)
Art
Armor
Inlays (pictures in your maille)
And much, much more!

In this beginner's book you'll learn the following:
A short history of chain mail
Different rings used and the kinds of metals
How to open and close rings correctly
Tools used like pliers and different kinds
An overview of the family of chainmail weaves
How to weave 7 of the more common, simpler weaves shown in 3D graphics
Resources for purchasing rings and tools
3 Starter Projects:
Women's Choker Necklace
Men's Flat Bracelet
Pouch or Dice Bag

Chainmail is neither difficult to learn nor expensive. All it takes is a willingness to try something new no matter your age, education, or income!
Books & Magazines Deals
g: 0 Posted By: calinc
Views: 144 Replies: 0 I bought things from them in store a few times, and as I remember I think that this the 1st time they release online coupons
$5 off $50 - 5off50
$10 off $100 - 10off100
$15 off $150 - 15off150
I don't see expiration date.
www.aamericanflooring.com

Home & Garden Deals
Printable Checks/Invoice
Added on : Wednesday February 26th 2014 03:00:09 PM
g: 0 Posted By: GOATSAVER
Views: 79 Replies: 3 Greetings fellow FW'ers,

I've started my own business in property management. Monthly when I send out the statements to the property owners, i'd like to have an invoice (Rent collected/repair/fee etc.) itemized and a detachable professional check on the bottom. I know this is very common, I just can't find it ANYWHERE. I've looked for templates, i've looked in stores. I don't have QuickBooks, but I dont even see the option for i'm looking for amongst QuickBooks check options.

Any help would be appreciated. I realize I could easily just print an invoice and a hand written check from my business account would suffice. I only have a few properties at this point... but if there's a low cost way to look more professional, i'm for it.

Thanks!
GS


Question Deals
Need help with Condo Decision
Added on : Tuesday February 25th 2014 03:00:09 PM
g: 0 Posted By: kevb81
Views: 32 Replies: 0 As far as background, I am a 32-year old single male looking at buying a place in Jersey City due to how close it is to the city and how much I like the area (I rented there for a few years). I am trying to evaluate and make a smart decision - I am debating between 2 condos below.

One unit is right off a nice park park in a brownstone complex. The unit is good shape except the kitchen which has granite and updated cabinets but still has older looking (white) appliances (electric stove) and would be nicer if opened up so its not enclosed. The rest has some exposed brick accents, completely renovated bathroom with nice finishes, crown moldings. No washer dryer in unit (card system in the building) or real amenities. Right near the park but not directly over it so it shouldn't be too noisy. Parking is uncovered and part of the maintenance fee . The walk to the train is 14 - 15 minutes per google maps. $2110/mo including mortgage, hoas, taxes, etc ($383k)

The other unit that I was debating is in a more modern building (doorman, nice lobby and a common Courtyard
). 7 minute walk to the train in an arguably more happening area (more midrise condos). Open kitchen and nice finishes/fixtures. 2nd floor so not a ton of light despite being in a midrise building. No parking. I would have to rent for about $200/month in the building, so my total cost is about 3,020/month. ($460k)

Both are about 750 sf, 1bed/1ba. I am looking at ideally staying there for about 5 years when I settle down and need more space. My guy says that the appreciation may be better in the more expensive unit but I have never been one to bank on that.

Given that its a "starter home" should I get something more luxurious or something simpler but nice at good cost savings. I am grappling with it :/
Personal Finance Deals
g: 0 Posted By: JSquare293
Views: 233 Replies: 0 Received this letter from Comcast today, called I got the upgrade within few hours.
I'm located in Homestead, FL and this offer could be only for this area so YMMV.

Great News-
You are eligible to receive our Xfinity Extreme 105 Internet Service for no additional cost.
Dear Blast! Internet Customer:
We are updating several of our Double Play and Triple Play packages to include Xfinity Blast
Internet service within the monthly service rate. Based on this change, you will now receive Blast!
Internet service with your package. But for the same monthly rate you are paying now, you can
have an Internet upgrade from our Blast Internet speed with download speeds of 50Mbps to our
Extreme Internet service with 105 Mbps download speeds.
To get started with the faster speeds, we need your permission to upgrade your service. Call
1-888-228-0063 now to activate your Extreme 105 speeds.
We value our customers and look forward to continuing to serve you.
Thank you for being a Comcast customer.
Services Deals
g: 1 Posted By: oxygenmm
Views: 284 Replies: 3 My quest for tires began when Goodyear quoted me $683+ tax for the cheapest tires installed I thought that was ridiculous so I started searching for a deal on new tires. I have a small car so I didn't want to order online and try to find a way to get my new tires to the installer. Than I found TireBuyer.com I called first with an arsenal of questions for them. They do not offer road hazard but said some installers offer road hazard, and the DOT codes were less than a year old. They explained that I had to pay for my tires immediately and they would ship directly to the installer I selected and I would pay install costs to the installer when I arrived with my car.

I was considering the following 3 types of tires
Fuzion Touring $58
Continental - ExtremeContact DWS $112.00
BF Goodrich - g-Force Sport Comp-2 $93.45

I decided to buy the cheapest ones they had solely based on price and the fact they are rated 4.5/5 stars from 774 reviewers. Only bad reviews were ice/snow which doesn't affect me in the south. If I had to replace 1 tire it would only be $58 + tax with free quick shipping to installer + $24 to install

My total price for 4 tires installed was $300
$ 232.00 - $20 off ( for signing up for newsletter ) - $11.60 (5% CB) = $200.40 + tax + $90 labor to install $300.00
http://tirebuyer.com/tires/fuzion/touring/p/tv103000021

If you don't know about tires you can learn about them here:
http://www.cars.com/go/advice/Story.jsp?section=maintenance&stor...

I am so happy with my purchase my car drives and rides so much better now. This was a wonderful buying experience and I wanted to share with everyone looking for tires and wanting to save money. I saved over 1/2 of what Goodyear wanted to charge me. I was skeptical at first buying online and shipping to an installer I do not know but I am soooo happy I did. I loved the installer they were quick and careful with my car. They mentioned they don't get many TireBuyer customers so I am on a mission to change that. My last tires were $600 cooper tires that the owner said were highly recommended so I bought them and they were crap I was so unhappy they were loud and miserable. The only good thing I had to say about the coopers was I only had 1 nail patched in 5 years. I only drove a few miles in these Fuzions and I can only say they are better than the coopers so far. I miss the Goodyear Eagle F1 GSD3's but I ate nails in those.
Tools & Automotive Deals

TireBuyer Coupons
Balance transfer overage question - Penfed
Added on : Tuesday February 25th 2014 07:00:07 AM
g: 0 Posted By: fatbella
Views: 92 Replies: 2 Anyone overbalance transfer their current balance to get a negative balance and a return of overage check? Trying to do t his with Penfed since i have 50k of credit and they have a pretty good 0% 18 month promotion with max 250 fee. Their policies state that all overages need to be refunded but I have never had a case where overage was actually returned to the company doing the transfer; it was always returned to my home address payable to me.

guess questions are
1.)legal?
2.)repercussions?

i have done this a few times and the check was always sent back to me but a bit nervous with a larger transfer.

Credit Deals
g: 1 Posted By: remick
Views: 197 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

DISCOVER:: How to Make New Year's Resolutions That Actually Stick!

Tell me if this sounds familiar: "The Ball" is about to drop on New Year's Eve. 2014 promises a brand new year, full of potential and infinite possibilities. So you make a list of the ways that this year will be different. Then what happens? Usually by late January you've already given up on your goals and moved on to something else.

The question is:"Why do people fail with their New Year's resolutions?"

The problem stems from what you expect to happen over the next 12 months. Instead of trying to make a gradual change, it's easy to approach the New Year with an "all or nothing" mindset. You want things to happen, so you create a series of lofty goals that can't possibly be achieved in a short amount of time. And ultimately this leads to failure.

The Secret to a Successful New Year's Resolution?

Is there a "secret" to making 2014 the best year ever?

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
Free Kindle Book - Building A Portrait (On Target Photo Training)
Added on : Monday February 24th 2014 05:00:11 AM
g: 1 Posted By: remick
Views: 47 Replies: 0 http://www.amazon.com/dp/B007SC0LWK

4.6 out of 5 stars (120 customer reviews)

Revised Edition with TONS of new - easy to understand - useful training!

Portraits...Taking pictures of our friends and family - it's what we all want to master! Right?
However, when we think of doing "Portraits" the word alone is kind of scary! It sounds like it should be the province of professionals. We just want to do better pictures of our kids, our pets and our friends. Leave the "portraits" to the experts - right?
Wrong! YOU can get professional quality portraits too! It's easy! Once you know a few strategic portrait photography tips and techniques, your photos will almost instantly go from "That's nice," to "WOW - you did that?"
I've run a professional photo studio for over 20 years and here is a secret - getting top level quality portraits is easy, anyone can do it! Another thing I've learned is to teach YOU how YOU can do it!
Read through "Building A Portrait" (it's written in simple, easy to understand language with lots of example photos) and within an hour or so you will have so many "Ah Ha!" moments, you'll be giggling with glee. I know that sounds corny, but try it, you'll see what I mean.
Here's the thing - as a photographer whether you're a pro or an amateur with their first camera - it's your job to make your subjects look like a million bucks! In their portrait, they should look better than they've ever looked before! Now YOU can make that happen!

Here is the table of contents showing a bit of what is covered...

Introduction:
Review -
Neutral Density Filters
Graduated Filters
Backdrops
How To Build A Portrait:
Terminology And The Overall Shape Of The Photograph
Size Matters
Composition Tips:
Make Sure Your Photographs Tell A Story
Anti - Level Shoulders
Sit Up Straight
Use The "Rule Of Thirds" If It Makes Sense
Fill The Frame
Follow The Eyes
Who is the star
Focus On The Most Important Feature - The Eyes
Depth Of Field
Skin, Love It Or Leave It
Bare Skin Continued
Beauty:
Women Should Look Sexy And Pretty, Men Should Appear Powerful
The Symmetrical Face
Sexism In Portrait Photography
Here's A Really HARD Photo Tip
Problem Area Fixes:
Differently Sized Eyes
The Crooked Nose
Acne Scarred And Wrinkled Skin
Here's A Photo Tip That May Require Some Begging
Round and Chubby Faces
The Neck Wattle
Photography Clothing Tips
The "Photographic Ground Modification System"
Photo Exercises:
Additional Photo Training:

"Building A Portrait" starts at the very beginning with something as simple as deciding on what to call your photo's shape and goes all the way through advanced concepts. You are unlikely to ever find a more thorough grounding in portrait photography techniques!

Beauty - This section is a bit more esoteric! Just what is beauty? You can't effectively show beauty in your portraits if you don't know what it IS. In this section we will examine what makes us think one person is beautiful and another isn't. These concepts are hardwired in us - and people respond!
In the "Problem Area Fixes" section, we learn how to correct for physical flaws and make our subjects look like a million bucks! Just because someone has a crooked nose, one eye larger than another, and is covered by acne - it's no reason why YOU can't get a good portrait! In fact, you will look for challenges like this because they are fun!
You'll discover what to do to "fix" a crooked nose, skin problems, wrinkles, round chubby faces (oblong faces with high cheekbones are considered beautiful in most cultures) and so on.
Check out this course volume and your portraits will improve almost immediately. Your "models" will thank you. Unless your "model" is the family pet... They won't thank you - they don't care!
Question... Have you ever had someone look at a portrait you've done and actually been moved to tears of joy? You will after reading and employing the techniques you'll learn in "Building A Portrait!"
Totally Free Deals
Moto G AIO Wireless $99 + Plan cost
Added on : Sunday February 23rd 2014 03:00:04 PM
g: 5 Posted By: ZombieHunter
Views: 408 Replies: 0 I believe you have to purchase a plan along with this, but you are going to need it anyway most likely. However, You can get an unlock code on eBay for a few dollars according to some of the foreign unlockers that told me they can unlock.

Anyway, My GF has this phone (Well, the Moto unlocked version) and it is a decent phone. Nice specs, besides the 8gb and 3G. The 8gb is cut down to about 5gb of usable space on her Moto version. The 3G actually is a HSDPA+ capable of up to 21mbps, so while it is a 3G, it is really a FauxG.

Anyway, $99 is pretty nice for this phone.

AIO Wireless is wholly owned by AT&T

http://www.aiowireless.com/shop/smartphones/moto-g.html
Cell Phones Deals
g: 0 Posted By: RunningMan
Views: 231 Replies: 0 Sorry if this old news, I searched and didn't see it posted, I don't normally post anymore, but this seemed like something worth posting

Big Lots has Muscle Milk Chocolate Protein drinks 10 fl oz, 4 pack for $3.00 each, There were multiple flavors, and some of the "light" variety. I also found a few that were expired, (like feb 8th) and I pointed this out to the cashier, they gave those to me for $1.50 per 4 pack. It might not be the greatest, but to me $3.00 isnt bad, and $1.50 is even better. YMMV, good luck.



for reference only:walmarts price


Health Deals
g: 0 Posted By: Gauss44
Views: 66 Replies: 1 I have an extended family member who qualifies for elderly disabled subsidized housing in Massachusetts. The main concern is about the safety of these dwellings. I am aware that many people are disabled as a result of a highly communicable disease. An example would be drug-resistant tuberculosis. There's probably no way of knowing if the previous tenanthad an awful incurable transmittable diseases. And perhaps no way of knowing if a neighbor has something like that either (where the germs can just flow into your open window or contaminate the indoor hallway).

On the other hand, the incentive to live in a place like that is that they only charge 30% of a person's income. And if someone has no income, I believe monthly rent can be as low as $35 a month! Of course, that sort of savings is nothing compared to the misery and medical expense one would incur by catching some awful ailment. I've tried contacting the agency that runs these developments and all I got were vague answers. I think this is a common question, so hopefully someone on here would know the answer. I would really like to know specifics about what they do to ensure that diseases like my example of TB, don't run rampant (or get spread to a few unlucky individuals by means of their dwelling). I did a google search about this and found nothing. While I believe that this does fit FW since it's partially a financial issue, I would be interested in posting this elsewhere as well, if anyone's aware of a more appropriate forum (which I am not aware of and could not find).
Discussion Deals
g: 0 Posted By: remick
Views: 30 Replies: 0 http://www.amazon.com/dp/B00958HUN8/

4.5 out of 5 stars (59 customer reviews)

Have you always wanted to learn to chainmail but were afraid it's too difficult to learn or too expensive?


This is the first in a series of books detailing how to chainmail for beginners with absolutely no experience. Chain mail, also known as chainmail, maille, or chainmaille is a great hobby for any age that doesn't involve just making armor.

You can make almost anything from chainmail. Below are just a few examples of what you can make:
Jewerly (Bracelets, Necklaces, Anklets, Earrings, Rings)
Clothing (Bikini tops, Belts, Shirts, Ties)
Art
Armor
Inlays (pictures in your maille)
And much, much more!

In this beginner's book you'll learn the following:
A short history of chain mail
Different rings used and the kinds of metals
How to open and close rings correctly
Tools used like pliers and different kinds
An overview of the family of chainmail weaves
How to weave 7 of the more common, simpler weaves shown in 3D graphics
Resources for purchasing rings and tools
3 Starter Projects:
Women's Choker Necklace
Men's Flat Bracelet
Pouch or Dice Bag

Chainmail is neither difficult to learn nor expensive. All it takes is a willingness to try something new no matter your age, education, or income!
Looking for property tax assistance....
Added on : Saturday February 22nd 2014 04:00:09 AM
g: 0 Posted By: ZDog377
Views: 129 Replies: 2 Hello everyone,

I've run into an issue between my mortgage holder and my local tax collector. Quick summary here and longer version below.

Quick version - Mortgage company says they sent $1734 to tax collector for school tax. Taxes are in reality $1434 since I have received Homestead exemption and 2% discount this year (2013). I request difference from tax collector. She responds that mortgage company did not send extra, they had sent the correct amount and the reason I am seeing the issue is that the mortgage company has crossed two names in their system. The tax collector states there is nothing she can do to get the mortgage company to fix their records. I explained to her that if this is not resolved by this coming Monday at 8 AM, I am taking legal action to get this matter resolved. I have emails from her stating that the issue is not on her end but in the system of the mortgage company.

Long version - Back in December when my mortgage company did my yearly escrow analysis, they noted that I was $143 short and that I could either pay up now or I could roll it into the next 12 payments. I sent in the check. A few weeks later, I receive a delinquent tax notice for my school taxes. In getting proof from my mortgage company that the taxes were paid, I noticed that the amounts were about $300 off. I then found out that the tax collector is not doing her job well enough and that just about everyone in my town has received these notices. The town performs an audit and finds checks from four months ago totaling several hundreds of thousands of dollars just sitting un-cashed in her office. I finally reached someone at the borough building and they confirm that yes I am paid in full, but at the $1434 amount not the higher amount. Mortgage company sends me a letter stating that they paid the $1734 amount and have not received any Cash Back.
Finally, I contacted both the business manager at the school district and also the tax administrator at the county level and they both agree that I have overpaid and that I am due a $300 credit on my taxes. They state that I need to recover this money from the tax collector. I first tried calling and received no response. I then tried email and received a response. She states that my mortgage company has my information confused with another person and that I am paid for the correct amount and the mortgage company did not send her a check for too much. She cannot tell me who she talked to at the mortgage company that helped her come to this conclusion. I explain to her that the mortgage company had sent the payment by magnetic tape disbursement (their words) and not by check. She then responds she does not accept anything except checks, I then questioned how she is showing anything on my account then?

I am wondering how I go about getting back the overpayment on my taxes. I have done everything I can on my end to move this process along but she seems to not be cooperating. I have no problems taking this to small claims court, or is this something I should let a lawyer handle?

Please let me know if any more information is needed.

Tax Deals
g: 0 Posted By: Revenant
Views: 324 Replies: 1 Staples:Thunder Group Stainless Steel Prep Equipment$1 free shipping w/ Staples rewards (Free to sign up)or in-store pickup.

​LINK

A few of the items on sale.

Stainless Steel Measuring Cup Set- $2.80
12" Stainless Steel Tongs- $1.06
24-oz. Clear Squeeze Bottle- $0.78

Home & Garden Deals

Staples Coupons
Grill Master Black 3-Burner (40,500-BTU) Propane Gas Grill $129 @Lowes
Added on : Friday February 21st 2014 05:00:08 AM
g: 0 Posted By: Muffin
Views: 225 Replies: 1 Item #:221377| Model #:720-0737
Was $179

26" firebox, 3 burners and side burner, total 52500 BTU
Porcelain cast iron matte finished cooking grids
580 sq. in. cooking area
Three 13500 BTU stainless steel tube burners
One 12000 BTU round stainless steel burner

It's not a Weber, but for the money it can't be beat.
As with most clearance/deep discounted merchandise. YMMV
I know a few of the GA stores have some in stock. Feel free to post whether or not your area has stock or not.


http://www.lowes.com/pd_221377-40307-720-0737_4294610392__?ipTrail=98.219.15.176&zipCode=30004&address2=&state=GA&address1=10580+Duke+Dr&catalogId=10051&productId=3264939&pl=1&city=Alpharetta&selectedLocalStoreBeanArray=%5Bcom.lowes.commerce.storelocator.beans.LocatorStoreBean%4020d820d8%5DtURL=%3FNs%3Dp_product_price%7C0%26page%3D3&storeNumber=0615&langId=-1&Ns=p_product_price%7C0&storeId=10151

Home & Garden Deals

Lowe's Coupons
Today Only: Brother P-Touch PT-D200 Labelmaker - $6.99 + FS @ TigerDirect
Added on : Thursday February 20th 2014 04:00:02 PM
g: 0 Posted By: heyyl0w
Views: 74 Replies: 0 Today only, TigerDirect has the Brother P-Touch PT-D200 Labelmaker for $6.99 with free shipping. This has been on sale a few times recently from various stores. This is the lowest I have seen it.

Here's a review from PC Magazine.

One-touch keys; enjoy choosing fonts, symbols, frames and patterns in just one press
20mm/sec maximum print speed; ensures high-speed printing performance
180 dpi resolution; delivers detailed labels for a variety of needs
8 different fonts; choose from different styles and symbols for more organized labeling
Graphical display; preview the labels before you print

Runs on 6 AAA batteries or an AC adapter; neither are included.
Office & School Supplies Deals

Tiger Direct Coupons
g: 0 Posted By: TruSolja
Views: 189 Replies: 0 Limited Supplies available, selling thermometer and humidity meter for less than 10 bucks shipped.

This is from China so it may take a few weeks for delivery.

http://www.ebay.com/itm/221275127748
Home & Garden Deals

eBay Coupons
Synology DS412+ NAS and 2 Western Digital Red 3TB $799.97 NEWEGG Combo Deal
Added on : Thursday February 20th 2014 07:00:03 AM
g: 0 Posted By: Losfer
Views: 100 Replies: 0 Combo deal. Been looking at something like this for a few weeks and with this deal you get the two Western Digital Red 3TB drives for $100 per drive. Hard to beat.
http://www.newegg.com/Product/ComboDealDetails.aspx?ItemList=Com...
External Hard Drives Deals
OFFER OVER Free Kindle Book - Coffee Cakes and Pound Cakes
Added on : Thursday February 20th 2014 03:00:05 AM
g: 4 Posted By: remick
Views: 888 Replies: 2 http://www.amazon.com/dp/B00AWYHVBA

4.8 out of 5 stars (13 customer reviews)

Coffee Cakes and Pound Cakes
In this book you will find a collection of our favorite Coffee and Pound cakes, from simple spices nuts and fresh fruits or as different as Rose-Geranium Pound Cake. Also a few of my Grand childrens favorite Dessert Cakes.

˃˃˃ Breakfast and Brunch Ideas
You'll find the most unique and interesting Recipes for breakfast and brunch!

˃˃˃ Enjoy Anytime
Delicious coffee and pound cake recipes, with a rich crumble topping, or fruit filled, that taste great as a morning treat or an afternoon snack, or even dessert.

˃˃˃ Quick and Easy
Coffee cakes quick and easy to make and bake up into a nice hot sweet treat, enjoy at their best piping hot right out of the oven.
Totally Free Deals
g: 2 Posted By: remick
Views: 685 Replies: 2 http://www.amazon.com/Right-Stuff-ing-Delicious-Occasion-ebook/d...

If you have told me a few years ago that what I would like to cook the most would be stuffed dishes, I would have not believe it. Stuffed dishes always looked delicious, but complicated and difficult to prepare, left to professional chefs or to those with lots of cooking experience.
I enjoyed eating them in restaurants but wouldnt dare to try and actually preparing them myself.
Five years ago when I made my first stuffed pepper, I realized it is not as hard as I imagined. Actually its kind of fun and easy then I began to indulge ... Something about the act of coring, filling and assembling makes cooking creative and fun. And the taste? The tastes are so good that they make the task of emptying, filling, rolling, arranging etc. rewarding and so worth the efforts!
Since my first stuffed pepper, I continued to fill and roll almost everything I laid my eyes on; grape leaves, beets, tomatoes, squash and zucchini. And the filing? Almost everything is possible according to your taste: Ground meat, rice or quinoa, cheese or dried fruit.
In this book you will find the best recipes for stuffed dishes collected especially for you and grouped by categories: meat and poultry, vegetarian and vegan, dairy and sweets.
And most importantly, Ive attached the Complete Guide for making stuffed dishes: all the secrets, tips, and principles that will make you an expert in stuffed dishes! Guaranteed!
Totally Free Deals
GameFly: Used Xbox 360 PS3 Video Games Sale w/ FS
Added on : Wednesday February 19th 2014 12:00:02 PM
g: 1 Posted By: jskins
Views: 381 Replies: 0 GameFly: Used Xbox 360 & PS3 Video Games Sale w/ FS

A few of the games on sale:

Xbox 360

Dark - $7.99
Crysis 3 - $8.99
Sleeping Dogs - $8.99


PS3

Hitman: Absolution - $7.99
The Bureau: XCOM Declassified - $8.99
Gran Turismo 5 - $8.99
Assassin's Creed III - $9.99

Video Games Deals

GameFly Coupons
g: 0 Posted By: remick
Views: 115 Replies: 0 http://www.amazon.com/Right-Stuff-ing-Delicious-Occasion-ebook/d...

If you have told me a few years ago that what I would like to cook the most would be stuffed dishes, I would have not believe it. Stuffed dishes always looked delicious, but complicated and difficult to prepare, left to professional chefs or to those with lots of cooking experience.
I enjoyed eating them in restaurants but wouldnt dare to try and actually preparing them myself.
Five years ago when I made my first stuffed pepper, I realized it is not as hard as I imagined. Actually its kind of fun and easy then I began to indulge ... Something about the act of coring, filling and assembling makes cooking creative and fun. And the taste? The tastes are so good that they make the task of emptying, filling, rolling, arranging etc. rewarding and so worth the efforts!
Since my first stuffed pepper, I continued to fill and roll almost everything I laid my eyes on; grape leaves, beets, tomatoes, squash and zucchini. And the filing? Almost everything is possible according to your taste: Ground meat, rice or quinoa, cheese or dried fruit.
In this book you will find the best recipes for stuffed dishes collected especially for you and grouped by categories: meat and poultry, vegetarian and vegan, dairy and sweets.
And most importantly, Ive attached the Complete Guide for making stuffed dishes: all the secrets, tips, and principles that will make you an expert in stuffed dishes! Guaranteed!
Totally Free Deals
Wife getting Laid Off Tomorrow
Added on : Tuesday February 18th 2014 02:00:08 PM
g: 0 Posted By: trekwars2000
Views: 320 Replies: 7 She has been with her non-profit company 4.5 years and has gotten max raises with top marks each review and one promotion over the time period. She does have one write-up/coaching over the time period. She is currently in the company leadership program with a few others that the company was trying to develop into better leaders. Also, her company nominated her for a localRising Stars of Business and she was selected with a few others from the local area.On the drive home this afternoon my wife informs me that her work is eliminating her position and creating two new ones because they don't think only one people can do her job. They are not planning to transition her with the job change. The CFO and HR rep are having a meeting with her tomorrow morning to discuss "exit options". Needless to say this comes a bit out to left field not just to myself but to my wife as well.

My questions are to ensure that everything is done to protect her ability to get unemployment benefits while she transitions to a new job, to maximize her exit benefits and to ensure there was not a wrongful termination. With the fact that there are "exit options" on the table (I assume this is severance), I would think it should be a easy case for the NV DETR to approve an UI claim. Do you guys agree?

I know my company's severance policy is one week per year of service. Is this pretty standard in the profession environment? Should we expect the same for my wife; or more/less? Is this a negotiating point to begin with? Can she asks for severance without medical benefits (she can get them through my work)? I assumed she would just ask for the difference in monthly COBRA rate? Is there any key things she should or should not say tomorrow? We are debating having a lawyer in with her but I'm not sure we know anyone in the correct type of law field to quick turn an 8 am meeting tomorrow.

We are not implying wrong doing, but this is quite perplexing. Why is her work constantly rating her as a top performer, nominating my wife for local publication awards and putting her in a leadership class if they plan to make a "position change"? If it matters, her boss and others at work do know that we are actively trying to have a second baby. Again, I don't want to play a card that may or may not be there but my wife's old coworker was transitioned out of the job a few weeks after discovering she was pregnant with her 2nd.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

If Imove on toanothernew practice somewhere else in my vicinity, they might make me do a complete set again anyway -- do you think they would?
Personal Finance Deals
g: 0 Posted By: nickradack
Views: 263 Replies: 0 http://oakleyvault.com/product/oakley-b1b-pack/92566-87E

Free Shipping on 50+ so you may want to grab another item

The B1B Pack is the consummate accessory for the modern athlete seeking highvolume capacity and fewer bells and whistles. A padded laptop sleeve lets you take your computer along for the trip, and multiple zip pockets offer the secure, specialized storage a busy day demands. Made with a tough fabric blend and padded adjustable straps, the B1B Pack maintains durability and carrying comfort anywhere it goes.

Padded interior panel fits most 15" laptops
Front and side zip pockets stores items securely and offers more organization
Padded back and adjustable shoulder straps offer comfortable carrying
26L capacity
17 H x 13" W x 7 D
94% Polyester, 6% PU

Clothing Deals
Belkin F7C030fc WeMo Light Switch 37.99 @ newegg Free Shipping
Added on : Tuesday February 18th 2014 08:00:04 AM
g: 0 Posted By: nickradack
Views: 117 Replies: 1 It looks like a similar deal was posted about a week ago but this is a few dollars cheaper.

http://www.newegg.com/Product/Product.aspx?Item=N82E16881314006

Newegg codeEMCPHWB84

37.99

Free shippingBelkin F7C030fc WeMo Light Switch(17)|Write a ReviewIn stock. Limit 2 per customer.

Turn electronics on or off
Operates over Wi-Fi/mobile internet
Put your electronic devices on a schedule
Free WeMo app for smart phone
Set up rules for lights going on and off
Works with IFTTT

Electronics Deals

Newegg Coupons
Free Kindle Book - Coffee Cakes and Pound Cakes
Added on : Tuesday February 18th 2014 07:00:15 AM
g: 0 Posted By: remick
Views: 134 Replies: 0 http://www.amazon.com/dp/B00AWYHVBA

4.8 out of 5 stars (13 customer reviews)

Coffee Cakes and Pound Cakes
In this book you will find a collection of our favorite Coffee and Pound cakes, from simple spices nuts and fresh fruits or as different as Rose-Geranium Pound Cake. Also a few of my Grand childrens favorite Dessert Cakes.

˃˃˃ Breakfast and Brunch Ideas
You'll find the most unique and interesting Recipes for breakfast and brunch!

˃˃˃ Enjoy Anytime
Delicious coffee and pound cake recipes, with a rich crumble topping, or fruit filled, that taste great as a morning treat or an afternoon snack, or even dessert.

˃˃˃ Quick and Easy
Coffee cakes quick and easy to make and bake up into a nice hot sweet treat, enjoy at their best piping hot right out of the oven.
Totally Free Deals
Netspend Password Change Concern
Added on : Tuesday February 18th 2014 03:00:13 AM
g: 0 Posted By: steve1jr
Views: 25 Replies: 0 Guys,
The last few days I have been unable to log in to netspend - the site would just hang. This morning I tried and I get a phishy type message prompting to enter all the details for my card so they can send me a new temporary password. I get this using both the correct password and an incorrect password. Has anyone else gone through this process without issue?

"For the security of your money, we are requiring you to set a new online account center password. Please enter the required information below and click ContinueFill in the email address and required additional information for the primary cardholder of this account. If there is more than one person listed on the account, the primary cardholder is the first person listed on the account. A new temporary password will be e-mailed to you shortly."
General Economics Deals
g: 0 Posted By: HRJ77
Views: 0 Replies: 0 Hot Deal for those that want to stock up on on freeze dried food products. Honeyville. They have freeze dried Meat, Fruit, Vegetables, & Dairy just to name a few. Great for camping, emergencies, homemade cereals,snacks, trail-mix, etc.....the list goes on and on.

You have to purchase case quantities of #10 cans. Here's the deal......Special Offer - Buy One Case, Get One 50% Off* Offer Ends 2/21/2014 Coupon Code: STOCKUP

Shipping is only $4.99 no matter how large or small your order.

Enjoy!
g: 7 Posted By: remick
Views: 591 Replies: 5 https://itunes.apple.com/us/app/id561435724

FREE for just a FEW HOURS TODAY!
Mastersoft Chess Professional has one of the World's best Desktop PC chess engines crammed inside! This engine finished 4th in the World Microcomputer Chess Championships and is not available in any other iPhone chess game. Designed by chess champions
Totally Free Deals
g: 0 Posted By: jaarons
Views: 202 Replies: 0 Sony SmartWatch 2 - Android 4.0 and Later, Transflective 1.6" LCD, 220x176, Bluetooth 3.0, $169.66 @ Amazon (FS)
Amazon: http://www.amazon.com/Sony-Smart-Watch-Android-Phones/dp/B00FB2X...
TigerDirect: http://www.tigerdirect.com/applications/SearchTools/item-details...

These were at Rakuten a few days ago for 139, but they have gone to $199 there as well. Reg Price is $199 at most online retailers.
Electronics Deals

Tiger Direct Coupons
g: 0 Posted By: iowahawkeye
Views: 275 Replies: 0 offer link

~~Hot Deal - $25 Discount Dining Dollars eCard~~Usually 500 credits, for a limited time were taking 50% off the $25 Discount Dining Dollars eCard.
Redeem before 3/24/2014 and youll enjoy this reward for only 250 credits.
Your $25 e-card provides you with access to an exclusive website with savings up to 50% on dining and the things you do everyday!
Select the offers you want, in the location you desire and simply print or redeem your discounts on your smartphone.
Choose from over 70,000 participating restaurants located throughout the U.S. and Canada. Participating restaurants include well known favorites such as Dunkin Donuts, McDonalds, Dave & Busters, Fridays Restaurants, Red Robin and Macaroni Grill just to name a few (participating brands not available in all markets).Bonus in addition to the wide selection of dining options enjoy savings on over 100,000 local entertainment and shopping offers. Popular categories such as Bowling, Golf, Sporting Events, Attractions, Automotive, Health and Beauty, Home and Garden, Music/Books/Videos and so much more.For more information, visit www.discountdiningdollars.com.

Hot Deal is good only in the 50 United States & D.C. to Bing Rewards members.
This offer is non-transferable and cannot be combined with any other offer.
This offer ends at 11:59PM PST on 3/24/2014 or while supplies last, and is not redeemable for cash.
Terms: This card must be activated within 30 days of receipt. Once activated, you have (1) year to redeem the value of this award ("Award"). Click on the above link for full terms and conditions
Services Deals
g: 0 Posted By: remick
Views: 171 Replies: 0 https://itunes.apple.com/us/app/id561435724

FREE for just a FEW HOURS TODAY!
Mastersoft Chess Professional has one of the World's best Desktop PC chess engines crammed inside! This engine finished 4th in the World Microcomputer Chess Championships and is not available in any other iPhone chess game. Designed by chess champions
Totally Free Deals
PNY 240GB XLR8 SSD $99 AC + AR @ Frys B&M YMMV
Added on : Monday February 17th 2014 07:00:19 AM
g: 3 Posted By: bru20
Views: 615 Replies: 6 $99 after rebate.
$159 - $40 in store code - $20 rebate.

Some say you can order for pickup as they don't charge your card andthen when in store give the coupon code. YMMV on this.

Use Promo Code received in email. Sign up here.

Link
SSD Deals
g: 2 Posted By: bru20
Views: 551 Replies: 0 A few of these seem decent.Of course you have to have a Frys nearby as these are in store only.
The price listed is after using in store code. Some report being able to order for store pickup, you card doesn't get charged and then when in store you can apply coupon code. YMMV on this.

Sign up hereto get promo codes emailed.

Patriot 64GB USB 2.0 Flash Drive
In store ad price 26.99
$19.99 after Promo CODE
Product link

Logitech K360 Wireless Keyboard
Reg. $19.99
$7 after Promo CODE
Product link

AT&T Prepaid Nokia Lumia 520
In store ad price $49.99
$39.99 after Promo CODE
Product link

Electronics Deals
g: 1 Posted By: bru20
Views: 186 Replies: 0 A few of these seem decent.Of course you have to have a Frys nearby as these are in store only.
The price listed is after using in store code. Some report being able to order for store pickup, you card doesn't get charged and then when in store you can apply coupon code. YMMV on this.

Patriot 64GB USB 2.0 Flash Drive
In store ad price 26.99
$19.99 after Promo CODE: 7251562
Product link

Logitech K360 Wireless Keyboard
Reg. $19.99
$7 after Promo CODE: 2251867
Product link

AT&T Prepaid Nokia Lumia 520
In store ad price $49.99
$39.99 after Promo CODE: 7157597
Product link

Electronics Deals
Is there a limit to the number of bank accounts you can open?
Added on : Sunday February 16th 2014 01:00:06 PM
g: 0 Posted By: tedteddy
Views: 85 Replies: 2 Does ChexSystems or some other tracking system limit the number of bank accounts you have open? I have quite a few, I am hoping that adding a few more won't trigger some sort of adverse action.

If anyone has some sort of insight into this, I would appreciate the input.
Question Deals
g: 0 Posted By: robronson
Views: 64 Replies: 1 I've never understood how traveling consultants paid income taxes to various states they worked in. Especially when they might have done work in 10 or more states in a given year. I've always imagined they just shirked their state income taxes and only paid to their home state.

When you live in one state and drive/commute/work in an adjacent state (like NJ/NY), they have some kind of reciprocity agreement that makes it easier on how it works. But if you live in Texas and fly to California, NY, Georgia, and Oregon for work, good luck with that.

I imagine if you're a 1099 then business expensing would become a bigger issue. Suppose you worked in Cali for a few weeks and made $20k. How do you decide which of your business expenses to write off against that $20k to determine what your actual net California income tax is? Do you have to prorate the expense against every client you saw that year (like a laptop computer)? Or can you determine a specific expense was California only? Are consultants getting 15 different accountants, one for each state they work?

I really do imagine these are simply taxes that aren't going paid and smart consultants are residents of Washington, Texas, Florida or one of the handful of no income tax states.
Tax Deals
Swap term life & variable life with Return of Premium Term Life?
Added on : Saturday February 15th 2014 06:00:08 PM
g: 0 Posted By: taiding
Views: 3 Replies: 0 Currently I have a $400K 15-year term life that started in 2006. The premium is $183 a year. My wife has a $250K variable life that started in 2005. $43 premium deduction a month. This variable policy has a few thousand cash value in it and the surrender charge is $500 now but will be $0 next March. I wanted to increase the insured amount on both so I looked around today. The Return of Premium term life caught my eye. For 500K 30-yr ROP, the premium for my wife will be $63 a month. A 1M 30-yr ROP for me will cost $122 a month. Do you think it is a good idea to swap both of my current policies with the ROP 30-year term life? Thank you
Personal Finance Deals
Tax implications of repaying a gift from relatives?
Added on : Saturday February 15th 2014 12:00:06 PM
g: 0 Posted By: moxie
Views: 117 Replies: 0 When my husband and I were looking for a house last year, we found a good fit and had an accepted offer within less than 24 hours after we saw the house.My (awesome and generous) folks offered to gift us part of our down payment, but when we were applying for a loan in November they surprised us by wiring over twice the amount they had offered. This amount was well over the $52K annual exclusion amount. I wanted to give it back but they insisted that we take it as an interest free loan with no due date.

After consideration, my husband and I decided to hang on to it for a few months. My parents were right-- the extra sum sitting in our account made the bank loan go through smoothly. They saved us from having to break our laddered CDs or dip into our Roth IRAs. The house buying process turned out to have a lot of unexpected expenses too so things would have been very tight without their help.

At any rate, three months later all our money is now liquid, I got paid for some major contracts which had been outstanding in 2013, we got back rebates on our closing fees, points, agent fees, and reimbursed for moving expenses (thanks to Redfin, PenFed, and husband's employer), and we can now pay my parents back. We want to do this ASAP so that we don't get spendy with what is probably a large chunk of their retirement savings.

My question is:
What is the best way to deal with this tax-wise? Do they have to file a gift return for 2013 and will we have to file a gift return for 2014? Should we treat this as a loan (though when applying for our housing loan, they wrote us a gift letter)? I don't expect that either of us will ever approach the lifetime gift-tax exemption of $5.25 million, so is there anything to worry about at all?

Thanks for your thoughts and advice!
Tax Deals
How to Profit from Travel to China
Added on : Saturday February 15th 2014 08:00:06 AM
g: 0 Posted By: nameunknown
Views: 4 Replies: 0 Looks like I will be making a business trip to Shanghai in a few months. All expenses are paid by company. Other than earning points and miles, are there any easy ways to turn a small profit on this trip? High value items that are easy to hand-carry on a plane and resell for a profit on the other end?
3 ton Heavy Duty Floor Jack with Rapid Pump - $89.99 at Harbor Freight
Added on : Friday February 14th 2014 11:00:03 PM
g: 1 Posted By: Ayla
Views: 175 Replies: 0 .


3 ton Heavy Duty Floor Jack with Rapid Pump - $89.99 at Harbor Freight



http://www.harborfreight.com/3-ton-heavy-duty-floor-jack-with-ra...




Only: $159.99

Sale: $89.99



This 3 ton steel auto jack features a 5 in. to 18-1/4 in. variable lifting range to elevate your car, motorcycle or supply load in only 3-1/2 pumps! A protective foam bumper on the floor jack keeps your vehicle or materials from being damaged while lifting or lowering. With a knurled aluminum handle for a steady grip and a solid, welded steel construction, this rapid pump floor jack is built for comfort and heavy use.

Super-tough precision welded construction with an industrial grade finish
Industrial quality for professional mechanics and hardcore automotive enthusiasts
Rapid Pump exclusive dual parallel pump system lifts with far fewer pumps
Universal joint release provides precise load control in any handle position
Meets international quality standards
Two piece knurled aluminum handle for a sure grip, equipped with foam bumper to prevent damage to vehicle finish
Extra-wide steel casters for stability

Overweight Item subject to $24.95 additional Freight Charge.


Tools & Automotive Deals

Harbor Freight Tools Coupons
Landscape Proposal
Added on : Friday February 14th 2014 12:00:04 PM
g: 0 Posted By: master44
Views: 141 Replies: 3 I have a flagstone patio that is aging and in need of repair so I got bids from several contractors to fix the problem. I found a contractor I liked, he wrote up a proposal that I signed with the verbal agreement that I would call him in March or April as temps warmed up to do the job.

A few weeks after signing the proposal a family friend had a friend who was in the business, looked at the patio and said he did this sort of work all the time and offered to do the job for a lower price. I liked the idea of a known referral and the lower price didn't hurt.

Long story short I called the contractor I originally signed the proposal with and told him we decided we no longer needed him to do the work and thanked him for his time. The contractor informed me that since we had signed the 'acceptance of proposal' we owed him for the job whether or not he does it. I argued back and forth with him that he had no money put into my job and that I would not pay. In the end the contractor threatened to sue for breach of contract if I did not pay or schedule the job. At this point I really wouldn't want him doing the work and I am inclined to ignore any future contact, but also don't want to be on the hook for $1000 or wasted time in a lawsuit.

The proposal I signed has the job written out, a price, and payment terms as "pay when complete" and then the section I signed says:
"The above prices, specifications and conditions are satisfactory and are accepted. You are authorized to do the work as specified. payments will be made as outlined above."

Any thoughts as to how to proceed, do I need legal counsel or am I just being bullied? Thanks!
Personal Finance Deals
Cablevision Saved myself $25 month off silver package YMMV
Added on : Friday February 14th 2014 05:00:11 AM
g: -3 Posted By: traderneal
Views: 212 Replies: 1 Getting tired of paying over $200 month for cable, tv and phone so I called cablevision to see if they could do anything.

Now first, let me say, I like Cablevision. Knock wood, I have had no problems with them and I find their phone customer service, especially when I have problems with the internet.

Anywhoo, I called them and simply asked if they could do any better. At first they said no promotions were available. I then said to them, look, I don't want to play the game and threaten to cancel my service andthat I am going to FIOS and I know that usually works. I just don't want to play that game. I just would like a reduceded cable bill. The CR said there was nothing he could do but switched me to retention.

I repeated my story, and after a 3 minute hold I had a choice with 2 offers:

$25 a monthoff my current silver package
$20 a month off the gold package.

(The gold package would have given me a few more movie channels and (allegedly) 3X faster internet.)

Saying I didn't want anymore channels and my internet service is fine, I chose the $25 monthly savings.

Again, this is prolly a huge YMMV, but worth 10 minutes total of your time. I think the key is to be honest and say you don't wanna play the "I'm leaving game"
Services Deals
How to tap in to Texas growth
Added on : Friday February 14th 2014 03:00:10 AM
g: 1 Posted By: bobaldie
Views: 93 Replies: 2 Summary: Believes Northern Virginia RE growth slowed and believes in Texas growth potential. How and where to transfer investment. Are there areas better than Texas for investment now?

I live in Virginia and have considerable RE investment. But due to changes in government spending and outlook, i am convinced this region growth will match the total US growth if not lagging. On the other hand I am totally convinced Texas is going gangbusters on all cylinders and probably for the foreseeable future. Also there is not much of real estate excesses in Texas combined with spectacular economic growth results in a tremendous real estate returns. People from all over US are flocking to Dallas and other areas for high paid jobs.
Unfortunately, i am tied-up with my RE and spouse job here and on top of it my primary home is being built as we speak (perhaps a wrong decision as i didn't realize the TX potential few months back).

Given this backdrop what is the best way for me to tap into Texas RE. Is it feasible and practical to invest from long distance? What areas/kinds of investments are good and feasible for long distance maintenance still awarding the growth.
If things workout i am thinking i could unload few condos from here and am pretty sure that would buy very big houses there but not sure of how well they do on ROI.

Any thoughts from RE guys from Texas would be very helpful. I am not interested in high maintenance low potential areas but my Target is clusters where high and stable income growths are.
I am also open to other thoughts to move my condo investment in Northern Virginia into some other growth investment options even if it is not real estate.
Real Estate Deals
Earn up to xxx miles with a loan through prosper (targeted, YMMV)
Added on : Friday February 14th 2014 03:00:10 AM
g: 0 Posted By: DrDubious
Views: 68 Replies: 0 Got this targeted offer in my email today:

Earn up to 18,000 miles with a loan throughProsper

Get closer to your next flight with every dollar you borrow.Whether youre ready to pay down high-interest-rate balances, pay expenses for your small business or looking to finance a significant purchase, Prosper can help you save thousands of dollars each month. You can borrow up to $35,000 and earn thousands of award miles.
The online application is simple, fast and secure. There are no prepayment penalties or hidden fees. And with great low rates, you could save thousands of dollars.*


The fine print indicates that there are several different ratios of miles to dollars borrowed depending on the specific offer sent.
There is also mention of how Prosper can disqualify anyone from the offer at any time.
Details of the loan itself are pretty lacking however, and it appears that the only way to get them is to actually enter data which would effectively constitute applying for the loan.

So all that said, does anyone have experience with this promotion or similar ones in the past?

At first glance it looks like it has potential for pretty easy miles, for the cost of a few days' interest, although I have no idea how active they would be about revoking miles for quick turnaround.


Deal Deals
g: 0 Posted By: jamescarmona
Views: 267 Replies: 0 List Price: $129.99
Price: $89.00 & FREE Shipping.
You Save: $40.99 (32%)

Few features:
- Fast print speeds
- Print and scan from anywhere - convenient mobile printing from smartphones, tablets, also supports Apple AirPrint(TM) and Google(TM) Cloud Print
- 2.5-Inch LCD
- Print and scan anywhere with Epson Connect
- Wireless and Ethernet networking

http://www.amazon.com/gp/product/B0091UBCAW/ref=s9_hps_bw_g229_i...
All in one printers Deals

Amazon Coupons
g: -1 Posted By: jamescarmona
Views: 228 Replies: 0 List Price: $15.79
Price: $6.68 & FREE Shipping
You Save: $9.11 (58%)

Few Features:
1 - Acid-free for archival quality.
2 - High-bright paper for everyday use.
3 - ColorLok(TM) technology resists smears and captures bolder blacks and brighter colors.
4 - Ream of 500 sheets
5 - Easy to print, iron on, and peel off
6 - Optimized for laser printing

http://www.amazon.com/HP-Multipurpose-Inkjet-Brightness-11200-0/...
Office & School Supplies Deals

Amazon Coupons
g: 2 Posted By: heyyl0w
Views: 136 Replies: 0 Schnoop has the Factory Reconditioned Jawbone Jambox Wireless Bluetooth Black Diamond Portable Speaker for $58.99. Shipping is free.

LINK

New these are $125. 3.9/5 stars based on 2,528 reviews hereat Amazon. This deal did very well here for a little bit more a few days ago.

Wireless portable speaker in black connects with mobile phones, computers, tablets, iPods or any other Bluetooth device
Seamlessly stream and share music, movies, games, phone and conference calls anywhere
Two highly powerful acoustic drivers and ultra-small dome produce a wide audio spectrum
Can be updated with apps, software and new features via Jawbone's MyTalk portal
Up to 10 hours of power from internal rechargeable battery

Headphones & Speakers Deals
g: 0 Posted By: jakeru
Views: 43 Replies: 0 Walgreens in western Washington locations within Puget Sound Energy's service areaare currently having a really great bargain on LED bulbs -look for the pallets of them near the doors.

2 pack Zenaro LED A19 SL-60D series @ $5.99 plus tax. (~$3 per bulb).

I've tried both these SL-60Ds, as well as the SL-60Aspreviously offered for the same priceat the same Walgreen's locations, and for my most typical use, I prefer the SL-60Ds because they have a superior light dispersion pattern (with more light being emitted back towards the screw-in base). They're also rated to be a bit more efficient, (rated at only 9.5 watts and 800 lumens), although the bulb rated lifespan is down a few years, to 22.8years (I don't know how they measure or calculate that, so am not putting a lot of weight into it).

They both seem to be a very good quality products and are actually quite substantial as well (in terms of being heavy). The SL-60Ds, like the SL-60As,also have a very nice, warm color (among the best color quality of any bulb I've tried - rated to be "Soft White 2700K"), and are also very bright. (perhaps even more so than their 800 rated lumens). Although they seem to turn on nearly instantly, there is a very slight delay (~1/10 second) which is only noticeable if you're looking for it. (It's probably no slower to turn on than an incandescent). Unlike some CFLs, there is no slow warm-up time or substantial turn-on lag, so overall this is a very nice benefit of this bulb if replacing CFLs. Althoughthey are advertised as being dimmable, I haven't tried that feature.

On Amazon they're running $20 shipped for the 2-pack or,$12 shipped each:
http://www.amazon.com/Zenaro-Dimmable-LED-A19-Lamp/dp/B00HK9B5RG
http://www.amazon.com/LED-Bulb-Pack-Dimmable-Directional/dp/B00H...

Manufacturer's product information:http://america.zenaro-led.com/wp-content/uploads/2013/02/A-Lamp-...

Anyhow, to summarize, these are really very nice and offered at a really nice price if you're in an area serviced by Puget Sound Energy.
Home & Garden Deals

Walgreens Coupons
g: 0 Posted By: tedteddy
Views: 23 Replies: 0 Quite a few so-called banks will freeze your accounts for manufactured spending activities. They will attempt to make youjump through hoops like some sort of circus-animalyou to get your money back. Some have even had the audacity to charge a fee to close an account and send a check.

Don't play their games or pay their fees. Fill out this form to get your money back:
https://www2.fdic.gov/starsmail/index.asp

You will get a check much quicker and the fees will be waived.


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

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

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

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


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

Thoughts?


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

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


Personal Finance Deals
Issued 1099 for whole CD Balance
Added on : Wednesday February 12th 2014 07:00:10 AM
g: 0 Posted By: acroBios
Views: 102 Replies: 1 A relative took out a 2 year Certificate of Deposit and the 2 years ended at the end of 2013, instead of issuing a 1099 for the interest earned, the bank issued a 1099 indicating the whole balance of the CD was a capital gain and withheld many thousands in taxes. Obviously this is wrong and creates lots of problems as she attempts to do her taxes now and IRS is going to want more out of her based on this 1099 then she really owes since interest was only a few hundred dollars. Is the proper way to fix this is to get the bank to issue a corrected 1099? Any other advice?
Britax 2014 B-Agile and B-Safe Travel System $244 plus tax on Amazon - Hurry
Added on : Wednesday February 12th 2014 05:00:08 AM
g: 0 Posted By: Deals4mykids
Views: 40 Replies: 1

Price dropped today morning for the Black version of the 2014 model.
This is lower than the $250 pre-order price & better than the Kohls 30% off plus Kohls cash.
Only theis discounted. Both black and red were at $306-15% yesterday but only for a few hours before going back up to $349/. The black is at $287-15% = $244 today.

http://www.amazon.com/Britax-B-Agile-B-Safe-Travel-System/dp/B00...
Baby Deals

Amazon Coupons
Should I discontinue/downgrade life insurance
Added on : Tuesday February 11th 2014 02:00:14 PM
g: 0 Posted By: ecotesty
Views: 170 Replies: 5 I am7 years into a 20y termlife for $2M,I am 46, and payingabout 2k for this coverage. Iwas self-employed, with 2 young (8y & 13y now) kids, was building my asset base when I bought this first. Both of us work, have saved deligently, with all assets (401k+savings)-liabilities is about equivalent to $2M,=the payout if I were to die now.Recently accepted a fulltime position with a company paid termlife of $300k, I know insurance is front loaded to compensate for aging, so insurance company wins if I bail out now, but bigger question is, should I still hold onto the outside termlifewhen my asset base + company paid will cover any eventuality. Or should I keep this till kids move out ? Thanks for your advice.
Personal Finance Deals
Wait to get in better shape for term life insurance?
Added on : Tuesday February 11th 2014 02:00:13 PM
g: 0 Posted By: yorkie345
Views: 1 Replies: 0 My son is 27 years old and married expecting his first child in 6 months. He used to be in great shape throughout college but has slacked the last few years. He asked me today about getting term life insurance, which I told him is a must, and he inquired about getting a better rate if he was in better shape. When he puts his mind to something he has no problem achieving it. He's about 6' tall and 205 lb with some muscle but wants to drop 20 pounds of fat in the next 6 months before the baby comes. Would he get a much better rate for himself if he was healthier? What factors play into your rate besides age? His wife is very active and I could imagine her getting back to her prebaby weight in no time with nursing and knowing her very well.
g: 1 Posted By: remick
Views: 107 Replies: 0 http://www.amazon.com/How-Save-Money-21-Day-Challenge-ebook/dp/B...

4.2 out of 5 stars (77 customer reviews)

After getting laid off I had to wade through all the frugal tips like "reuse twist ties" and "turn off the lights when you leave a room" to find the ones that really delivered.

Sure you can save a few pennies by turning off the lights around the house, but I needed to make bigger money-saving moves. I didn't need to save a few pennies, I needed to save many hundreds of dollars each month.

That is what this challenge is all about: taking 21 days to make some drastic, but realistic, changes in order to save at least $500 each month.

If you are anything like I was, you probably have more bills and payments due each month than you have money coming in. You have undoubtedly read other money-saving tips in the past, but just felt like none of them would yield much result. You also probably don't have the time to read through a bunch of fluff, but just want to get to the point! If this sounds like you, then you are who this book was written for!

And while this challenge is not intended to solve all your financial problems, it will definitely help you save money!

The book is broken out into 21 short chapters, each with a realistic money-saving suggestion that will help your reach your $500/m goal. To succeed with the challenge you will need to take the chapters day-by-day and not just fly through the whole book in one sitting. Those who read a chapter a day and take action each day will be rewarded with much better success.
Totally Free Deals
g: 0 Posted By: remick
Views: 95 Replies: 0 http://www.amazon.com/Anatomy-Apple-Lessons-Steve-Taught-ebook/d...

Steve Jobs, a self taught college dropout, accomplished repeated business miracles. What did he do that MBA's, tech pundits and competitors repeatedly missed? Why are they in denial about it to this day?
90 days from bankruptcy, Apple welcomed home its founder in 1996. In just a few years, Steve Jobs accomplished the impossible - Apple was now a Trillion dollar juggernaut in Music, Books, SmartPhones, Tablets, Laptops and more. Learn the often overlooked, misunderstood or misrepresented lessons that made it all possible.

Meticulous myth-busting of major Technology history through surgical cross-examination!
Apple's tale of redemption and renewal powerfully conveyed through an engaging and unforgettable storytelling...
Fresh Business lessons about what it took for Apple to return from the brink of disaster from an experienced midwestern businessman!
˃˃˃ Anatomy of an Apple turns the abstract business concepts behind Apple's astounding comeback into easily digestible everyday business lessons.From start to finish, you will be treated to a feast of life changing anecdotes, piquant down and dirty myth-busting and utterly refreshing, setting-the-record-straight facts and figures. Anatomy of an Apple is an engaging and knowledgeable romp through technology history.

Anatomy of an Apple takes us on a thrilling journey through the highs and lows of Steve's fascinating life across several business eras, including Apple, NeXT, and Pixar.

˃˃˃ Anatomy of an Apple isn't another dispassionate attempt to examine Apple in the laboratory. We get right to the heart of the real people involved and discuss the real outcomes and motivations of their actions and decisions. We present our view of each lesson in whatever form that can most benefit people trying to be successful in life and business. Some chapters are vivid stories, some are detailed history lessons, and some are concise arguments against commonly held misconceptions.

˃˃˃ How these two entities, Steve the man, and Apple the company, healed each other. Ben Klaiber been a huge business fan of Steve Jobs for years. Steve's lessons helped keep him alive in both the literal and financial senses over the harshest years of his life. The lessons of Apple's comeback were invaluable to him, but the existing books just didn't convey the lessons he saw. After a decade of meticulous research, Ben decided to write a book on Steve's and Apple's comeback from his unique perspective.

In Anatomy of an Apple - The Lessons Steve Taught Us, we learn a very different story than the one told by the other books - how these two entities, Steve the man, and Apple the company, healed each other.
Totally Free Deals
A true Fatwallet trip !
Added on : Monday February 10th 2014 09:00:07 PM
g: 0 Posted By: drdisney
Views: 47 Replies: 0 Based off information I gathered from this forum over the past few months, In the next few weeks I will be going to Vegas Fatwallet style!
Here is my plans for a 3 day getaway.

Round trip ticket from LA to Vegas on Megabus $2.50
3 nights in a 6 bed dorm style room at Hostel Cat $36
3 day bus pass to cover all sights $20

Once I get there I plan on using coupons for meals and maybe a show. I will post all of my info and reviews once I get back. Thanks FW !!

Dr D

Discussion Deals
g: 0 Posted By: jessicadabears
Views: 238 Replies: 0 B2G2 or B3G3 Free at The Body Shopw/ $5.95 Shipping or FS on Orders $50+.Buy 2 get 2 free, or buy 3 get 3 free on most items Sitewide. Sale Ends 2/14.

A few notables:

-Coconut Body Butter for $20 (pictured)
-Vitamin E Body Butter for $20 (pictured)
(Add 4 items to your cart and the price drops from $80 to $40, or add 6 items to your cart to see the price drop from $120 to $60).
Beauty Deals

The Body Shop Coupons
question about ESPP issued stocks and black-out
Added on : Monday February 10th 2014 10:00:16 AM
g: 0 Posted By: caius5203
Views: 49 Replies: 0 So my company has issued an indefinite black-out of employee owned stocks issued to us through the ESPP program at work. The indefinite black-out is a result of some ongoing legal investigation, will not get into too many details here. I have a small chunk of money invested in these stocks which I need to sell in order to make a payment. I was planning to sell the stocks a few months ago but unfortunately they issued this black-out.

Is there a legal workaround for this particular situation which would allow me to sell these stocks (which I own)? For example: transfer the stocks to a relative who is not employed by my company which would then allow that person to sell the stocks?

I dislike being in this situation, and I am partly to blame since I should have sold the stocks earlier when there was no black-out. My guess is there is not much I can do other than quit my job or wait till the black-out is lifted, but I just wanted to put this out there to see if anyone had any other suggestions?

Thanks,
Caius






Personal Finance Deals
Craftsman 24-in. 208cc Dual-Stage Snow Thrower - $612 - In store only
Added on : Monday February 10th 2014 10:00:10 AM
g: 0 Posted By: cmouly
Views: 295 Replies: 1 Havent seen this posted. There is a price drop of about $68 on this unit. Its available for store pickup (depending on your zip code). Delivery may be available for a fee depending on the location. Just ordered one for a store pickup. Saw this unit at the store nearby yesterday but was priced at $680 and the price dropped online a few hours ago.

Link
Home & Garden Deals

Sears Coupons
GNC: 60% Off Top Sellers
Added on : Monday February 10th 2014 05:00:10 AM
g: 0 Posted By: chapmanra2013
Views: 117 Replies: 0 GNC is offering 60% Off Top Sellers and free 2-day shipping with ShopRunner or $1.99 flat rate shipping. Prices will discount automatically in cart.


Just a few:

Nutiva Organic Extra Virgin Coconut Oil - $6.00
GNC Hair, Skin & Nails Formula - $8.00
GNC Triple Strength Fish Oil 1240 - $11.20

Health & Beauty Deals

GNC Coupons
First AOR. Tips and tricks from the pros are welcome
Added on : Sunday February 09th 2014 04:00:06 PM
g: 0 Posted By: nasheedb
Views: 104 Replies: 0 I have a decent chance of moving out of the country in the next few months, but in the meantime, I would like to do an AOR. Any tips and tricks from the pros are welcome as well as card suggestions

Goal: Earn as many bonuses as possible, whether they be cash, points or miles

Currently have the following cards:
Chase Blueprint - $500 CL. This card was downgraded from a Chase Continental card and the CL was re-allocated elsewhere. I have literally never used this card.
Chase AARP - $33,000 CL
Chase United - $20,000 CL
Citi Diamond - $4,800 CL
Citi Dividend Platinum - $24,000 CL
Barclays Sallie Mae - $15,000 CL
Barclays NFL Extra Points - $7,000 CL
Penfed Platinum Cash Rewards - $7,200 CL
Penfed American Express - $18,000 CL
AMEX Blue - $9,100 CL
USBank Cash+ - $11,500 CL
BOA Cash Rewards - $11,000 CL

Total CL: $161,100

Current Credit Score:
Credit Karma - 757
Credit Sesame - 762
Experian - 772

Here are the cards that I'm thinking of signing up for:

Citi AA Executive Card - 100k bonus miles, $200 statement credit, $450 annual fee
Chase Ink Bold - 50k bonus points
Barclays Arrival World - 40k miles
American Express SimplyCash - $250 statement credit
CapitalOne Venture Rewards - 20k miles (missed the 50k mile bonus, but 20k is still better than nothing)

Any other card suggestions? Any tips or tricks? My plan is to pull the trigger tomorrow. My priority is the Citi card, since that gives the best rewards.
Discussion Deals
Clearance 30-50% off Galaxy Squad and Star Wars Legos at Walmart
Added on : Sunday February 09th 2014 08:00:03 AM
g: 0 Posted By: sigepbullet
Views: 228 Replies: 0 Found a number of Galaxy Squad LEGO sets at WalMart on clearance and a few Star Wars

Galaxy Squad Galactic Titan for $49 - regularly 99.99
Star Wars Republic Gunship for $79 - regularly 119.99
Galaxy Squad Hive Crawler for $35 - regularly 79.99

There were some smaller GS sets at 30% off! but these were the two I picked up and have the numbers on

Theses were in SE Michigan at 3 different Walmarts
Toys Deals

Walmart Coupons
A few waterproof cases on sale, up to 80% off original price
Added on : Sunday February 09th 2014 05:00:03 AM
g: 0 Posted By: DealSeek88
Views: 58 Replies: 0 Waterproof case for iphone or other smartphone
Price: $12.99 Sale: $2.99 & FREE Shipping if Amazon prime
http://www.amazon.com/gp/product/B005PQ2CAA

Waterproof case for iphone or other smartphone
Price: $34.99 Sale: $3.49 & FREE Shipping if Amazon prime
http://www.amazon.com/gp/product/B003ZFRJ4C

Waterproof case for up to 6" display reader
Price: $15.99 Sale: $2.49 & FREE Shipping if Amazon prime
http://www.amazon.com/gp/product/B003YPS9N8

Waterproof case for iPad or other up to 10' display tablets
Price: $39.99 Sale: $9.99 & FREE Shipping if Amazon prime
http://www.amazon.com/gp/product/B003N87UK4

Tablet Accessories Deals

Amazon Coupons
NFA Gun Trust from 199trust.com (65% Off) $69
Added on : Sunday February 09th 2014 04:00:03 AM
g: 0 Posted By: tedhawkins
Views: 90 Replies: 0 NFA Gun Trust from 199trust.com (65% Off) $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.
Guns & Ammo Deals
Nikon AF-S Nikkor Lenses Sale - starting at $196.95 @ BH Photo Video
Added on : Saturday February 08th 2014 09:00:04 PM
g: 0 Posted By: Xenocrates
Views: 259 Replies: 0 Nikon AF-S Nikkor Lenses Sale - starting at $196.95 @ B&H Photo & Video 
Free Shipping!
Expires On: 3/1/2014 12:00AM 15 Different lenses are available!  Also available from Adorama w/ free shipping. (Adorama doesn' thave a cool sale page like B&H and this is as accurate as I could get their search, so please excuse a few non sale lenses in this search link.)  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Cameras Deals

B&H Photo & Video Coupons
VA IRRRL lenders. How to find the right one...
Added on : Saturday February 08th 2014 08:00:11 AM
g: 0 Posted By: bucsox
Views: 79 Replies: 1 Ive been thinking about trying to find a lender to refinance my current VA loan. I get countless number of offers in the mail, but just about all of them seem hokey and come from no name places. I don't know exactly how to find a reputable, good lender and get a good deal. Google searches turn up a lot of sketchy places.

Can anyone recommend on a few I can inquire to about an IRRRL?
Investing Deals
My parked car got destroyed.
Added on : Friday February 07th 2014 03:00:20 PM
g: 1 Posted By: freebirdy
Views: 91 Replies: 1 Came home to see my 2013 Accord dragged from its parking spot by a truck. It probably happened few minutes before I arrived, honestly I have no idea how the truck pulled my car from its parking spot.

What I need to pay attention to? Anything important that I may have missed?

Here are the details:

The car is financed by honda financial, insured by Geico with $500 deductible. I have gap insurance. I bought the car in Jun'13.

The truck is rental, the cop came and said that he will put "RENTAL" in the insurance box. He wrote down the truck's driver license info. I'll have a police report on Monday (and I need to pay $10 for it).
The cop called a tow away company and they took the car to their shop. Most likely my car is totaled, the truck was stuck and they caused a lot more damage when the cop directed the truck's driverto pull away from my car.

Pictures: http://imgur.com/a/FAG56

Discussion Deals
Yankee Candle Small Jar Candles $5 Each, $5 Shipping Flat Rate
Added on : Friday February 07th 2014 12:00:02 PM
g: 0 Posted By: Llilith
Views: 46 Replies: 0 Yankee Candle Flash Sale$5 Small Jar Candles with Coupon 5SMALL2 (ends 2/8). $5 flat-rate shipping for your entire order. I got a few beach scents to help get thru the rest of winter.

​Printable for in-store use
Home & Garden Deals
How to Easily Track Credit Card Applications?
Added on : Friday February 07th 2014 12:00:08 AM
g: 0 Posted By: snimi1
Views: 82 Replies: 0 I've been churning a lot in the past few years and it's been a pain to track all applications (including my wife's).
I looked around and except for excel sheet templates I found a website doing so called myccapp.com.
Anyone tried it?

I'm kind of reluctant to give my email before I hear any feedback.
Any other recommendations?
Discussion Deals
Repair or Total Car
Added on : Thursday February 06th 2014 03:00:09 PM
g: 1 Posted By: catbrf
Views: 87 Replies: 2 I am trying to figure out the best case scenario for a car insurance claim I filed today.

I live in SoCal and was driving down the 5 fwy when my 2012 Toyota Prius struck a piece of metal that looked like a trailer hitch in the middle of the lane. I was driving about 65 mph and was not able to avoid the object due to being boxed in by 2 cars next to me. It got dragged a few hundred feet before I was able to safely pull over on the shoulder to maneuver the object from underneath my car. I noticed sparks when it hit and oil dripping afterwards. I exited the freeway and drove to the nearest Toyota dealership repair shop. I figured with my Toyota maintenance package that if it was just an oil pan that was damaged it would be covered, but found out if you hit something it is not. They lifted the car and my engine/cross member sub-frame, side rail reinforcements, engine under cover, oil pan, front exhaust pipe and heatshield were all bent or damaged. The total estimate including parts/labor/tax is $7,000. I have insurance through Geico with a $500 collision deductible. I have been in contact with the adjuster who already saw my vehicle this afternoon and was offering that I pay only $250 to repair all the damage mentioned above, however he noticed a gash on my engine block that may or may not mean anything and I would forgo repairing that, which could run in the thousands thus 'totaling' the car. Or I can pay $500 deductible to have the repairs done and wait and see what the dealership says about the engine block, maybe its totaled, maybe not. I am not in the best financial shape right now and think having my car totaled is a better deal, here's why.
Car including maintenance package($1,295)/tax/license/fees costs me $30,000, I still owe $19,000, the adjuster did a rough calculation and said I would be paid out $23,500. So $30,000 - $23,5000 = $6,500 for 2 years of driving Prius. Since I still owe $19,000 and the payout is $23,500, that's a $4,500 gain. Then $6,500 - $4,500 = $2000 for 2 years of driving Prius (even better!).

A few questions:
1. How much will my policy premium go up after I file the $250 claim? $500 claim (engine block replacement/car total)?
2. What risk is 'gash in the engine block' from becoming a problem in the future if I just accept the $250 deductible?
3. Can I negotiate the maintenance package that's worth $1,295 in the total payout? I was told when I purchased it that it gets transferred with the vehicle? How about window tinting?

Also, there are paint scratches and a loose cap on the right side of the front bumper, the adjuster said if they repair it they would charge a 'betterment fee' because they feel it was already there and not part of the accident. Is there a way to get all of it paid for, it may or may not have been damaged during the accident.

Any experiences with these issues or advice is appreciated.
Personal Finance Deals
30 Miles/$ at FTD with AA or United Shopping... In time for V-Day
Added on : Thursday February 06th 2014 11:00:02 AM
g: 0 Posted By: vanheve2
Views: 13 Replies: 0 Many of us need to waste some money in the next few weeks, might as well get something out of it.

United

AA
Free Nokia Lumia 1020,1520 w/ trade in + AT&T contract
Added on : Thursday February 06th 2014 07:00:05 AM
g: 0 Posted By: TrueDee
Views: 287 Replies: 0 FREE: Nokia Lumia 1020 or Nokia Lumia 1520*
When you trade in your iPhone 4, iPhone 4s or Galaxy S2
Expires March 2, 2014

Trade up and treat yourself to a new Windows Phone when you trade in your iPhone 4, iPhone 4s or Galaxy S2.
Choose from the Nokia Lumia 1020 or Nokia Lumia 1520 and see which one best suits your needs.

Get closer than ever with the AT&T Nokia Lumia 1020
Experience the quality of the Nokia Lumia 1020's 41-megapixel camera sensor, PureView technology, Optical Image Stabilization, and amazing high-resolution zoom. Take stunning pictures while exploring the world of photography with Nokia Pro Camera. And Nokia Rich Recording makes it possible to capture sharp HD video with distortion-free sound.

Your digital world is right at your fingertips with the AT&T Nokia Lumia 1520
The Nokia Lumia 1520 comes with all the exclusive features of Windows Phone 8, like Live Tiles and People Hub. And they're all optimized for the big screen, making your Windows Phone 8 experience even better.

Qualifying 2-year (new or upgrade) contract required.
Sales tax may apply.
Colors and availability varies by store.
Devices must be in good working condition.
See store associate for more detail.

*Valid February 3, 2014 until March 2, 2014, or while supplies last. Available in select Microsoft retail stores in US (including Puerto Rico); not valid online. To be eligible for trade-in, product must power on and be in fully functional, working condition without broken/missing components, cracked display/housing or liquid damage, cannot be password protected, and include original chargers/accessories. To receive maximum trade in value, you must purchase an eligible Nokia Lumia 1020 or Nokia Lumia 1520 with a qualifying new or renewal mobile contract or upgrade (2 years) at the same time. Any appraised value will be determined at trade-in and provided as store credit, subject to Microsofts discretion and approval. All trade-ins are final. Not valid on prior orders or purchases; cannot be transferred or otherwise redeemed for cash or gift cards. Not combinable with other offers. Discount does not include taxes, shipping or other fees. Void where prohibited or restricted by law. Microsoft reserves the right to modify or discontinue offers at any time.

Deal came up in my local store but I checked a few other places and it was available there, too. Please, check your store.

Microsoft Store
Cell Phones Deals

Microsoft Store Coupons
Cashed someone else's check
Added on : Thursday February 06th 2014 04:00:17 AM
g: 0 Posted By: kevtin
Views: 243 Replies: 12 Hello everyone. 4 years ago I bought a house in a particular nasty short sale. The gist of it was the seller made some misrepresentations regarding the taxes which my attorney missed (this was a new construction, and this was a spec house the seller built). The details are irrelevant, but resulted in some maneuvering with the bank that held the sellers mortgage.

Fast forward 3 years to last spring, and out of the blue I received a letter and a check from that bank in the mail. I know I messed up here, but I saw the amount ($1000) and was so excited, I really only glanced at the actual letter and saw it was some sort of refund due do to a legal settlement. Enough words stood out that I just assumed it was related to my previous tax situation. I signed the back of the check and, along with other checks, deposited it from home using my scanner. I put the checks in a pile while I waited to make sure all the checks cleared.

A couple of weeks later, I was cleaning up my desk, and I was shredding all those check when I saw the check was not made out to me, but to the guy who I bought the house from. I had already tossed the letter that came with the check, but I thought back and think it must of been some settlement sue to some sort of lending practices. I immediately called the bank who sent the check, but not even knowing what part of the bank it came from, I never got anyone who could help me "undo" the deposit. I sent a letter to the guy who sold me the house to the only address I could find on any of my closing statements, but never heard anything (it seemed to be an office). I googled the guy looking for a current address and didn't find anything. Eventually I gave up, figuring I tried my best, and although two wrongs don't make a right, the guy did screw me out of a few thousand dollars. I sort of forgot about it

Yesterday, I received a letter addressed to this guy (my addreess) from the bank. I opened it (as opposed to destroying it), and it was a 1099 for the $1000 for the guy. I now am a little worried. I know I did something wrong depositing this guys check (honest mistake, though no one will believe that, I signed MY name on the back), but I felt like I did my job to make it right.

So my question is, a) whats my liability here, legally and b) should I just move along and hope I never hear from the guy?

Thanks!

Personal Finance Deals
Kobalt Pliers 5 piece set $2.80 (was $19.99) Lowes B&M YMMV
Added on : Wednesday February 05th 2014 04:00:10 PM
g: 0 Posted By: freakinout
Views: 366 Replies: 0 Nice 5 piece set. Was $12 a few weeks ago. Saw them today in a local store for $5.60. Found online at a store 10 miles away for $2.90 Great deal if order doesn't get canceled

As always with these clearance deals, YMMVKobaltAssorted PliersItem #:253677| Model #:50954
Tools Deals

Lowe's Coupons
Crazy 8: Select Items Only 88
Added on : Wednesday February 05th 2014 08:00:06 AM
g: 0 Posted By: chapmanra2013
Views: 119 Replies: 0 Today only Crazy 8 is offering Only 88 on Select Items with free shipping on orders of $75 or more.

A few examples:

Boys Strong Like Daddy Tee - $1.88
Boys Hero In Disguise Tee - $2.88
Girls Flowers & Feathers Tee - $2.88
Girls Feather Legging - $2.88

Clothing Deals
g: 1 Posted By: slervik
Views: 289 Replies: 0 BonTon has a sale on a select few of their designer pillows. Use coupon code FEBWHSE2014 during checkout to receive discounted price. Shipping is free w/ code FREESHIP

Nautica Performance Pillow - $6.80
Lauren Ralph Lauren Logo Pillow - $8.50
Calvin Klein Shadow Density Pillow - $8.50 (King $12.75)
MaryJane's Home Density Pillow - $8.50 (King $12.75)
Bedding Deals

Bon-Ton Stores Coupons
Merrill account termination letter and asset transfer offer
Added on : Wednesday February 05th 2014 03:00:10 AM
g: 0 Posted By: m2go
Views: 11 Replies: 0 I recently signed up for an account at Merrill Edge, BofA's retail brokerage. In the process I signed up for a bonus transfer offer, wherein I was supposed to get a signup bonus for transferring and having my assets there for a minimum holding period.

A few days ago, I get an "account termination letter" telling my that Merrill/BofA is exercising its right to terminate my account and I should get my assets out ASAP or they were going to issue me paper shares and mail them (all for a hefty fee, of course). I called to follow up, and was told my offense was signing up for this account while outside the US on a business trip.

Anyway, they have the right to terminate my account, so not much I can or want to do, and so I raised the question of a signup bonus. -- I had fulfilled my end of the bargain, so I mentioned I would expect BofA to hold up its side of the bargain... CSR basically says "the offer requires you to have your assets here for 90 days, and you won't be able to do that...".

As a kicker, after some to and fro the CSR suggested opening a new account from the US, and transferring the shares to that. So, I agreed, signed up for a new account, and Merrill was going to transfer account and give me a call to confirm everything has been taken care of. No transfer ever happened, and no co nfirmation call. So, I'm startoing to get concerned whether Merrill got cold feet, and - even if they made the transfer - I don't have anything in writing that they rescinded the "get you shares out or else ...." letter which I received as next day UPS...

Any suggestions wat to do next? I'm thinking I can just pull my assets into another brokerage, but I don't want to let Merrill/BofA off so ligtly. At least want to get my $600, or cause them regulatory headaches for this bait-and-switch scheme? Where should I complain? BofA CEO? BofA Chief Regulatory Officer? SEC? FTC? BBB?

I'll welcome any suggestions...
PineconeS Research Scam!
Added on : Tuesday February 04th 2014 01:00:08 PM
g: 0 Posted By: VerbalK
Views: 138 Replies: 3 Figure this might be relevant since I know many of us have at some point did the $5 a pop pinecone surveys. A while back I got a message in my spam box with the typical mystery shopper scam stuff, though it was a good effort (very close to the old pinecone format, though with an extra "S" for sucker). I put in my spam email address and a PO box. I didn't notice, but I did receive several more message about my approval in the spam folder.

Today I got a "check" for $2250 to assist me in testing Wal-Marts money order system, the standard send $1800 to the Philippines, keep the rest, kind of thing. Very well put together package, no obviously stilted English, or other dead giveaways... other than the "duh, why are they paying me $500 to assess the friendliness of Wal-Mart cashiers. (I could tell you they suck for free). In closer reading, there are a few giveways, capitalization in weird places, euro date format, "text only" phone numbers. I guess it makes sense filippinos would speak more idiomatically than Nigerians.

What should I do with this now? Give it to the post office to investigate mail fraud? Cash the check and flee to costa rica? Spam the text number with pictures of cats? Try to get a picture of them putting fish and bread on their head?

pineconesresearch.com is the domain, not much in the whois, phone number 202-688-8936, check came from a tina avila, 459 Country Club Rd, Newnan, GA 30265, with the name Jinni B Redmond on the fake cashiers check.
Discussion Deals
Maybelline Color Pearls Eye Shadow Products - $1.80+ w/ FS @ Amazon
Added on : Tuesday February 04th 2014 07:00:04 AM
g: 2 Posted By: chapmanra2013
Views: 327 Replies: 4 Amazon has Maybelline Color Pearls 0.09-oz. Eye Shadow Products starting at $0.10 with free shipping.

Here's a few colors:

Maybelline New York Eye Studio Color Pearls Marbleized Eyeshadow (Lawless Lavender 10)- $1.80 w/ free shipping
Maybelline New York Eye Studio Color Pearls Marbleized Eyeshadow (Tantalizing Teal) - $1.70 w/ free shipping
Maybelline New York Eye Studio Color Pearls Marbleized Eyeshadow (Navy Narcissist 20)- $1.80 w/ free shipping
Maybelline New York Eye Studio Color Pearls Marbleized Eyeshadow (Silver Starlet 90) - $1.80w/ free shipping
Maybelline New York 0.09-oz Eye Studio Color Pearls Marbleized Eyeshadow (Ivy Icon 70) - $1.90 w/ free shipping
Maybelline New York Eye 0.09-oz Studio Color Pearls Marbleized Eyeshadow (Duo Downtown Denim)- $2.46 w/ free shipping

Beauty Deals

Amazon Coupons
Maybelline Color Pearls Eye Shadow Products - $1.70+ w/ FS @ Amazon
Added on : Tuesday February 04th 2014 06:00:06 AM
g: 2 Posted By: chapmanra2013
Views: 192 Replies: 2 Amazon has Maybelline Color Pearls 0.09-oz. Eye Shadow Products starting at $1.70 with free shipping.

Here's a few colors:

Maybelline New York Eye Studio Color Pearls Marbleized Eyeshadow (Tantalizing Teal) - $1.70 w/ free shipping
Maybelline New York Eye Studio Color Pearls Marbleized Eyeshadow (Navy Narcissist 20) - $1.80 w/ free shipping
Maybelline New York Eye Studio Color Pearls Marbleized Eyeshadow (Silver Starlet 90) - $1.80w/ free shipping
Maybelline New York 0.09-oz Eye Studio Color Pearls Marbleized Eyeshadow (Ivy Icon 70) - $1.90 w/ free shipping
Maybelline New York Eye 0.09-oz Studio Color Pearls Marbleized Eyeshadow (Duo Downtown Denim)- $2.46 w/ free shipping

Beauty Deals

Amazon Coupons
I have few questions about Bluebird Bank Card?
Added on : Monday February 03rd 2014 06:00:07 PM
g: 0 Posted By: ShakuniMama
Views: 0 Replies: 0 How does this work?
Please do not refer me to another thread.
If you are not willing to answer then please do not post at all.
Thanks
g: 0 Posted By: IL352010
Views: 217 Replies: 2 First, thank you for your ideas and suggestions. This truly means a lot to me. I have searched and read through the required materials on this board. Again, I genuinely thank you for your time. I have tried to include the most pertinent information below.

My question is: How much should I invest in my 401k v. how quickly should I pay off my student debt.

I am 26 years old. Graduated with a professional degree in mid-2013, passed my professional licensing exam and started working at a Fortune 500 company in early January 2014.

I managed to get out of undergrad with no student loans (working during the year + summers and earning grants and scholarships). I graduated from law school with $62,000 of debt and allocated it by percentage below. (All Federal Loans).

Direct unsub. Stafford- $33,000 (6.8%)
Direct Sub. Stafford- $17,000 (6.8%)
Direct Student Plus- $12,000 (7.9%)

I've been paying off interest as it comes due throughout law school and have no other debt whatsoever. That said- my savings are nearly 0. (I will be receiving my second paycheck this week).

My starting salary is $75,000 even. I expect to hopefully be able to increase that in the near future. Truthfully, in my industry, I'm fortunate to have a job right now. That said, once I gain a few years of experience I believe I will be able to increase that figure dramatically.

My company offers a 6% 401k matching plan, which vests on a graded scale. Meaning- they will match my first 6% fully, however, after my first full year of employment 33% of their match will vest and be mine if I leave the company. After two years- 66% will vest and then after 3 years 100% of their match will vest. This worries me a bit because it is not uncommon to find or be offered a higher paying job within that time span. I suppose I'll have to decide how big a pay jump and whether it's worth it at the time.

Also my employer is a public traded company and they offer a ESPP. They will match the first 3% of contributions, after-tax, to that program.

I've also started a Roth IRA- although I have only put a few hundred dollars in it so far. I live in Chicago with a roommate and pay about $1,000/month total for rent, utilities, etc. I picked this living arrangement so that I could not have a car and walk about 4 blocks to work each day. If I need a car for a particular day for work- my employer will pick up the zipcar tab- which is great. My goal is to stay in this specific living situation for about 2-3 years. I eventually hope to save to buy a modest 1 or 2 bedroom condo.

Back to my question- Any advice on the strategy of repaying my loans and saving for retirement would be incredibly helpful. Again, thank you for your time and consideration.



Personal Finance Deals
Breaking Up an S-Corp (HELP!)
Added on : Monday February 03rd 2014 02:00:09 PM
g: 0 Posted By: hdept
Views: 1 Replies: 0 Situation:

Family timber and land business that has evolved (unfortunately) into an S-Corp over the years. A member has recently passed away, leaving three owners of shares in this company.

Member 1: Owns 26 %, but controls everything. A proven thief.
Member 2: Owns 48%, but is a dipshi#. Best guy you'd ever meet but clueless, and completely devoted to Member 1.
Member 3: Owns 26%, and is also a dipshi# who gets the short end of the stick on everything, and refuses to do anything about it, preferring to be the poor pitiful victim. Scared to death of #1.

My question is probably sure to bring on some snide comments and it's obvious I'm an offspring of #3, but I know there is a knowledge on this board so I don't care.

How hard is it to break up an S-Corp? Supposedly the process can begin next year, but I have my doubts about that. #1 and #2 both have offspring as well that are border-line retarded or totally dysfunctional (2 out of the 3 are pleasant, but they will never be able to work at a job for various reasons). A lawyer has been spoken with, and will be again. This is my primary reason for posting; I need to know what to ask.

Details galore exist, but maybe this will be enough for a few pieces of advice.

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

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

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

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

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

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

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

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

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

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

Anything I'm missing on the whole CS process?

Thanks in advance!





Discussion Deals
Sell or Keep this Rental Property
Added on : Monday February 03rd 2014 11:00:18 AM
g: 0 Posted By: callthedr
Views: 83 Replies: 4 I know there are similar threads to this but when it comes to deciding whether to keep or sell a rental property, I figure each situation is unique and I wanted to see what advice people had for this situation:

We bought a condo in 2001 for $170,000, which we lived in until 2007 when we moved to another house. We now owe around $224,000 (we took equity out of it in order to get a down payment on the house we currently live in). We just did a refi eight months ago for 15 years at 3.0% so we'll have it paid off in a little less than 15 years. However, we lose around $5,000 to $6,000 a year in cash flow (although that could be lowered a bit if we keep it since we'll be able to raise the rent as the current tenant is moving out and the rent is kind of low now). And that's with having the same good tenant in there for seven years now and never having to re-paint or find a new tenant, etc. and deal with those extra costs. They were only selling for around $260,000 a few years ago but now a few have sold in the $340,000 range or even higher. Ours is not fixed up as much as some of the condos in the complex so perhaps a $330,000 selling price might be a best guess. I figure that after a few fix-ups on the place, realtor commission, taxes, etc., we could maybe walk way with $30,000 or so in cash after it's all said and done.

Our income is steady and pretty decent so we are able to absorb the cash losses without much trouble but I'm not sure it's the best thing to have a negative cash flow for 14+ more years before finally paying it off and making money off the thing. We do pay off more than $1,000 of principal each month since our interest rate is low and it's a 15 year loan, so I guess technically we're coming out ahead each year as far as net worth goes but not cash-wise.

The condo is in a nice area of Southern California, about 4 miles from the beach, so it's an area where rents and prices of houses are likely to rise over the years.

Finally, I don't want to regret getting rid of it if it doesn't make financial sense. But I'm not too fond of being a landlord and if financially, either decision is justifiable, I'd rather just not have the headache of being a landlord and have the extra savings to pay off my wife's school debt, save for kids college, etc. Any advice that people have would be appreciated. We talked to a professional advisor that we trust. I think he kind of favored keeping it but he more or less said it comes down to the question of whether or not you want to be a landlord or not. He thought if we didn't want to be a landlord, it's fine to sell since he knows we'll do something useful with the money and not just waste it. Thanks.

Real Estate Deals
25 Kindle Kids' Books for $1 Each @ Amazon
Added on : Monday February 03rd 2014 10:00:16 AM
g: 0 Posted By: chapmanra2013
Views: 320 Replies: 0 Amazon is offering 25 Kindle Kids' eBooks for $1 Each. These are regularly priced anywhere from $6.99 to $19.99.

Just a few:

Trucks: Whizz! Zoom! Rumble!
My Alien Parents
Hero Mom
Whoosh Went the Wind!

Books Deals

Amazon Coupons
Gaming the myRA (small game)
Added on : Sunday February 02nd 2014 05:00:08 PM
g: 0 Posted By: dshibb
Views: 1 Replies: 0 It's been a while since I've been on here as I've been very busy the last few months (expect to continue to be).

I thought I would chime in here on the myRA. Thisthreadwas a good start, but seemed to be filled with tangents so I figured it made sense to start a new one focused on how to actually benefit from this thing.

The details that have been mentioned already, but need to be rehashed:

As correctly pointed out it's not a new retirement account. I had a collective laugh as essentially not a single financial news writer in the media got this, right. I.e. it's not "like a Roth IRA." It IS a Roth IRA. The president doesn't have the authority to create a new tax sheltered account by executive order. He (or by extension Treasury)does however arguably have theauthority to create a new government bond or expand the usage of an existing bond.
myRA is essentially the expansion of an existing T Bill called the G Fund to non federal employees. Treasury has the authority to make this T Bill available under the **custody** of the Federal Government. Therefore, the federal government is ****becoming another custodian for small Roth IRAs****. That is all that is happening. They're just another Schwab/Fidelity/Vanguard for Roth IRAsthat only invest in one security.
Since the myRA is not a new vehicle, but a new custodian of an existing vehicle their is no expansion of contribution limits, rules, etc. for retirement accounts for anyone. It's not a way to double up on contributions or anything.


What does also need to be understood is that G-"Fund" is actually a great deal to it's purchaser and a bad deal to the US government. The "fund" is a specially created T-Bill that gets a weighted average yield of all US Treasuries with a maturity over 4 years. In effect this is a T-Bill with the yield of the 10 year Treasury.

For this reason, the bond acts as a supercharged floating rate Treasury. As rates rise long bond holders who are getting the **same** interest rate as you get in the G-Fund get hit, but you can ride the security all the way to 6%, 7%, 9% 10 year yields with no capital losses.


Now I realize it's only max $15k, but I already started trying to figure out how to game this for use for those that are under the Roth AGI limits:

The fact sheets already out are saying that people that are eligible are not only those without employer provided plans, but also those that would like to "supplement an existing plan". So it's quite clear that you can have an existing employer plan and still use this.
The fact sheets are a little vague as to whether or not it has to run through an employer to set upin the future, but practically speaking I don't think this could be an issue. It already says that if you moved employers you could continue to contribute to it regardless of what the employer wanted to do. Furthermore, lets say it required an employer to participate at first we're talking about tiny employers here who don't have 401k's so I would bet that something as simple as a TIN number would be sufficient to have a person count as an "employer". TIN's can be obtained in all of 2 minutes on a gov website. Furthermore, tiny employers don't care so I would bet that they'll just have to allow people to sign up direct without their employer in order to show any positive results anyway.
***Key language: "Account holders can build savings for 30 years or until their myRA reaches $15,000whichever comes first. After that, myRA balances will roll over to private-sector U.S. Department of the Treasuryretirement accounts." I would define the word "reaches" as when the balance hits $15k not when the account has had $15k in combined principal and earnings. So the way I read it is that as long as you prevent your account from hitting $15k and triggering the forced rollover you can keep it there for 30 years.
That's not useful without also pointing out: "Your contributions can be withdrawn tax free at anytime".
Now the last part that still needs to be figured out is whether or not you can do direct partial rollovers or 60 day rollovers with the funds. From a processing standpoint I believe the Federal Government can block the former, but from a legal standpoint (since they would have to be subject to all of the Roth IRA rules) the latter IMO would have to be legal. So at any time you could rollover pieces of this thing to another Roth IRA by simply taking a distribution and then recontributing to another Roth IRA within 60 days.
Another question is whether or not a person is barred from opening another after one previous account has already hit $15k. I would suspect yes, but that would only make things even easier and not affect your ability to take advantage of the special security.


So the way to play this vehicle is when interest rates are low and will be rising over a long time throw on a rather large payroll deduction to get about ~$13-14k into the account over 3 years and then stop the payroll deduction. This move should come with a commensurate decrease in other fixed income positions elsewhere. Then roll out blocks of money to prevent it from triggering the $15k to end the account. When interest rates are running higher and one would reasonably assume to trend lower over time then yank out almost the entire balance except a few dollars and redeploy it in a different Roth IRA within 60 days as a rollover.


Or you can also say that it's just not worth the hassle for a max $15k which is also a perfectly acceptable answer as well.
Investing Deals
g: 0 Posted By: remick
Views: 124 Replies: 0 How To Kill Cancer Cells
http://www.amazon.com/How-To-Kill-Cancer-Cells-ebook/dp/B00BH45Q...

5.0 out of 5 stars (12 customer reviews)

Natalie Mitchells Amazon Best Seller second book How To Kill Cancer Cells sets out clear guidelines for readers to create a bodily environment in which cancer cells cannot thrive. Everybody has cancer cells and with the medical technology available nowadays doctors can only diagnose cancer disease when people already have developed BILLIONS of active cancer cells in their body. While the information itself is easy to understand, the Authors clear message is that we, as individuals, can control our susceptibility to Cancer, eliminate Cancer cells and prevent and avoid the disease by controlling and neutralizing, rather than unwittingly nourishing, the bodys natural Cancer cells and their growth.

Natalie Mitchell is an international consulting Nutritionist specializing in cancer prevention and recovery for her clients. For over a decade she has counseled both the healthy and those with Cancer on how to achieve prevention as well as recovery through optimized daily nutrition and diet.

In How To Kill Cancer Cells Ms. Mitchell shares her extensive knowledge and understanding of the extraordinary power of diet and nutrition in preventing and neutralizing Cancer. Her book includes chapters of specific practical advice for those who wish to take an active and personal role in making sure they remain Cancer-free, backed up with frequent reference to research papers from both mainstream and alternative medical sources.



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

4.5 out of 5 stars (22 customer reviews)

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

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

Books & Magazines Deals
g: 0 Posted By: bittul
Views: 154 Replies: 0 drugstore.com is taking an additional 20% off their entire "Skin Care" Department when you click through this link:
http://www.drugstore.com/beauty/skin-care/qxg180646-0?aid=339035&aparam=14wk23dsSKINC

A few great deals include:

Axe products, which currently have a "Spend $15 get $5 off" promo.
3x 16oz Shower Gel = $5.49 each = 3 for $8.17.
http://www.drugstore.com/beauty/skin-care/axe/qxg180646-39e0e49

Dove Product which currently have a "Spend $20 get $5 off" promo.
4x Dove Men+Care - Body & Face Wash = $5.19 each = 4 for $11.60
http://www.drugstore.com/beauty/skin-care/dove/qxg180646-39e0558

GNC Aloe Vera Skin Gel 2 oz
2 for $2.40
http://www.drugstore.com/gnc-aloe-vera-skin-gel/qxp141191?catid=15274

Aveeno Baby products which currently have a "Spend $25 get $5 off" promo.
http://www.drugstore.com/beauty/skin-care/aveeno/qxg180646-390cc68

NOTE: Enter zip-code and click "get estimate" in cart to see the additional $5 off. ALSO, drugstore.com will sometimes put through a pre-authorization charge that doesn't include the $5 discount. This is normal.
Health & Beauty Deals

drugstore.com Coupons
LL Bean all winter gear 20% off thru 3 Feb
Added on : Saturday February 01st 2014 10:00:02 AM
g: 0 Posted By: gordon6971
Views: 142 Replies: 0 LL Bean web site (& a few stores) offering 20% off all winter gear, camp sleeping bags, & headlamps/lanterns through 3 Feb, FS, no coupon codes needed: linky.
Sports & Outdoors Deals

L.L.Bean Coupons
Up to 30% off The North Face @ backcountry.com
Added on : Saturday February 01st 2014 05:00:03 AM
g: 0 Posted By: dream22
Views: 167 Replies: 0 Similar to deals at other online retailers but I found they had a wider variety of sizes and colors in stock plus free standard shipping over $50. Good Valentines Day gifts IMO.

The North Face

A few examples below.

35% off
Anaconda Vest Women's

30% off
Osito Jacket Women's
Apex Bionic Softshell Women's




Clothing Deals

Backcountry.com Coupons
A Couple of Tax Questions
Added on : Friday January 31st 2014 05:00:12 PM
g: 0 Posted By: investingstuff1971
Views: 65 Replies: 0 Hey,

I'm working through my taxes (using Tax Act0 and I have a couple of questions. I hope that this isn't off-topic. I recall that back in the day there was a stickied thread devoted to tax questions but I don't see it now. Anyway, here goes:

I have a Wellstrade brokerage account which includes just a bunch of Vanguard mutual funds. I'm in the process of working my way through the wizard to enter the information for the associated 1099-Div and I'm stuck on the foreign tax stuff. Line (6) says that I paid $288.63 and line (7) says 'See Detail Section.' So, I have a few questions. The first one, is that no where in the 'Detail Section' does it tell me to which country I paid those foreign taxes. The software includes the option 'VARIOUS' which is what I chose. I'm assuming that these funds invest in a lot of different countries and that's the right answer, but still the form does say anything explicitly, so I thought that I'd throw that out there. The real problem is this next bit it prompts me for:
Tax Act Software said: When foreign tax is withheld from dividends, additional information may be needed to enable the proper handling of the entries for Various on the Form 1116, Foreign Tax Credit. Please enter the following information if it applies to you for First Clearing LLC. Previously made entries are shown below, if the foreign portion is different, modify as necessary.

Foreign source ordinary dividends:
Foreign source qualified dividends:
Foreign source capital gain distributions:

Check to indicate how to treat this income for the foreign tax credit on Form 1116:

Passive category income General category income

Check here if these entries are for a mutual fund or a regulated investment company


The three values that the software uses as defaults are the same values I entered earlier from lines 1a, 1b and 2a. I'm assuming that that's not right, but I really don't understand what values I'd use there. How do I figure out what portion of my dividends / capital gains are foreign source? Also, I'm assuming that I should check 'Passive Category Income' and not 'General Category Income.' Is that right? If anyone could explain to me what this all means, I'd really appreciate it. I've spent that last 90 minutes, googling and I can't find the answers to any of my questions.

Thanks!

Tax Deals
Crocs.com: 50% Off Select Kids Character Clogs
Added on : Friday January 31st 2014 10:00:09 AM
g: 0 Posted By: chapmanra2013
Views: 88 Replies: 0 Crocs is offering 50% Off Select Kids Character Clogswith free shipping off orders over $25.

Just a few:

Kids Crocband LEGO Mammoth Clog - $19.99
Creative Crocs McQueen Lined Clog - $19.99
Crocband Hello Kitty Fair Lined Clog - $19.99

Shoes Deals

Crocs Coupons
g: 0 Posted By: wesbc
Views: 253 Replies: 0 Another Home Depot deal.Snapware 18 piece set for $5. There's a manufacturer coupon for $2 from Sunday's paper a few weeks back. Yes, Home Depot accepts manufacturer's coupon.SKU: 1000-009-460
UPC: 884408017576Again, not available online, this is in store only.
Hazlet, NJ location should have approx. 10 left.
Home & Garden Deals

Home Depot Coupons
g: 0 Posted By: remick
Views: 69 Replies: 0 http://www.amazon.com/2014-Year-Horse-Chinese-Astrology-ebook/dp...

****The book will be free for a few days to celebrate Chinese New Year*****
****Last year's edition received great reviews - http://www.amazon.com/dp/B00AL340IO****

Relied upon by feng shui professionals worldwide, Master Simon Wongs yearly handbook is an essential guide to creating harmony and success in 2014. Master Wong is dedicated to bringing authentic Chinese feng shui and astrology to a wider audience - not the glossy new age reinterpretations that fill the shelves of most Western bookshops. Whether youre a complete beginner or experienced practitioner, this book will help you to:

- Optimize a home or office for harmony and success throughout 2014, and avoid the pitfalls of bad feng shui
- Learn the fundamental principles of feng shui and how to use them in any environment
- Enhance the areas of your home relating to money, family, relationships and health
- Harness the power of flying star feng shui to maximize your feng shui every month
- Apply feng shui principles to find a compatible partner
- See what's in store for your Chinese zodiac sign with monthly forecasts
- Avoid the negative influence of the Tai Sui (Year God) which affects several zodiac signs in 2014
- Understand all the factors affecting your life, of which feng shui and astrology are just two
- Discover the incredible and little-known story of the origin of feng shui
- Use feng shui and astrology to check the USA's fortunes for 2014 under President Barack Obama, and the UK under Prime Minister David Cameron

First published in 2002, Master Wong's annual guide has become an essential purchase. Written in a straightforward manner, Master Wong demystifies these ancient Chinese arts and give you the tools to improve your life by harnessing their power.

Note: The book covers the Chinese astrological year: 4th Feb 2014 to 3rd Feb 2015.
Totally Free Deals
BOGO 50% Off @ The Limited
Added on : Friday January 31st 2014 05:00:17 AM
g: 0 Posted By: ksenn
Views: 194 Replies: 0 The Limited has a Buy One, Get One 50% Offsale on all full price items. Also available in-store. Free shipping on orders over $125, $8.95 flat-rate shipping on orders under.

A few eligible items:
Belted Chevron Dress- $89.95
Zip Back Shine Sweater- $59.95
Cassidy Printed Shorts- $49.95
Clothing Deals

The Limited Coupons
g: 1 Posted By: guilotine
Views: 244 Replies: 1 Thermapen Open Box Sale

Thermapens are rarely returned so we almost never have enough units to hold an "Open Box Sale." We have finally collected a small number here (and from the factory in England) that, for various reasons, we will not sell as new units. Some have slightly damaged packaging, there are a few sales demos, a tiny number are returns, a few have minor cosmetic flaws, and an even smaller number might be "refurbished" to like-new condition after very short term use.

i bought one one after reading the post last year,hereand have loved it. Really good price.

Home & Garden Deals
g: 1 Posted By: NantucketSunrise
Views: 30 Replies: 0 It was a valiant effort by this journalist to try to opt out of having her data collected by data brokers --

but it's an impossible task that often spreads around more private information about oneself than it reins in, and the brokers whowill agree to delete your entrysimply wait a few months and republish your info anyway --which I learned the hard way a few years ago (but at leastthere weren't92+ of these companies then!), and I described it on FW at the time.

Anyway,a journalist haspublished an up-to-date, potentially-useful spreadsheet of 92 data brokers which might be handy for folks here, either to try to opt out from having their own data collected, OR to try to find data on other people....

http://www.propublica.org/article/privacy-tools-opting-out-from-data-brokers
Discussion Deals
Amazon MP3 Albums @ $1.99 -- around 20 older and newer pop/rock/hip-hop
Added on : Thursday January 30th 2014 04:00:06 PM
g: 14 Posted By: cogan
Views: 1911 Replies: 4 A bunch of old and new(ish) pop/rock/hip-hop albums at Amazon for $1.99/each, including:

Babelby Mumford and Son
Some Nightsby Fun
The Very Best of Sheryl Crowby Sheryl Crow
The Marshall Mather LPby Eminem
No Jacket Requiredby Phil Collins
Tracy Chapmanby Tracy Chapman
Jagged Little Pillby Alanis Morissette
Back to Blackby Amy Winehouse
Bon Iverby Bon Iver
Unforgettable With Loveby Natalie Cole
A Rush of Blood to the Headby Coldplay
Yeesusby Kanye West
Blak and Bluby Gary Clark Jr.
+by Ed Sheeran (yes, the album title is a "plus sign")

This is in addition to the soundtrack albums I mentioned in my previous post(Saturday Night Fever and O Brother, Where Art Thou?)
and in addition to $1.99 albums from a couple of days ago, e.g.
Pure Heroineby Lorde (as posted by FW-user johnny98 here)
Nothing Was the Sameby Drake
Same Trailer, Different Parkby Kacey Musgraves

There are a few others -- you'll likely see them on Amazon's Album Best-Seller list, which you can get to here:
http://www.amazon.com/Best-Sellers-MP3-Downloads/zgbs/dmusic/dig...

P.S. A few not on the best-seller list when I put this together, also $1.99:
Eric Clapton Unpluggedby Eric Clapton
Radio Music Societyby Esperanza Spaulding (she's the spirit of music of our age)
Radio Music Society Deluxe Editionby Esperanza Spaulding (same as previous + a video)
Music Deals

Amazon Coupons
g: 0 Posted By: jessicadabears
Views: 331 Replies: 0 Wii U eShop Indie Game Sale - Buy or Own 1, get others for 60% Off + Free Zelda: Four Swords for 2DS/3DS@ Nintendo.com.

Nintendo is kicking off a two-week "Super Indie Connection Sale[nintendo.com]" in the Wii U eShop today, with discounts of 60 percent on a few different games, the company announced today.

Five indie titles are part of the promotion. Wii U users who buy one of them during the sale, or already own one of them, will be able to purchase any of the other four games at 60 percent off.

Here are the five titles in question: Two Tribes' Toki Tori 2+, KnapNok Games' Spin the Bottle: Bumpie's Party, Gaijin Games' Bit.Trip Presents Runner 2: Future Legend of Rhythm Alien, Black Forest Games' Giana Sisters: Twisted Dreams and WayForward Technologies' Mighty Switch Force: Hyper Drive Edition.


*Offer valid 9:00am PT January 30 8:59am PT February 13*
Video Games Deals
g: 0 Posted By: jessicadabears
Views: 412 Replies: 0 Jabra REVO Wireless Bluetooth Stereo Headphones- $126.63 w/ exclusive offer & code 72103+ FS at Staples.
Exclusive offermay take a few refreshes but it consistently shows up on the product page.

2-Year warranty
Bluetooth/NFC Sound Mode
32 Ohms Impendance
20-20 kHZ
Noise Blackout
Adjustable Headband
12 Hour Max Batery Run Time
14dB Microphone Sensitivity
Earpiec Controls: Play, Skip, Pause, Pairing, Reject Call, Voice Dial, Answer/End, reDial, Track, Volume
Compatibility: Smartphone, laptop, tablet PC, MP3 player, bluetooth version 3.0


Wire cutterReview
Headphones & Speakers Deals

Staples Coupons
g: 0 Posted By: jessicadabears
Views: 273 Replies: 0 Jabra REVO Wireless Bluetooth Stereo Headphones- $126.23 w/ exclusive offer & code 72103+ FS at Staples.
Exclusive offermay take a few refreshes but it consistently shows up on the product page.

2-Year warranty
Bluetooth/NFC Sound Mode
32 Ohms Impendance
20-20 kHZ
Noise Blackout
Adjustable Headband
12 Hour Max Batery Run Time
14dB Microphone Sensitivity
Earpiec Controls: Play, Skip, Pause, Pairing, Reject Call, Voice Dial, Answer/End, reDial, Track, Volume
Compatibility: Smartphone, laptop, tablet PC, MP3 player, bluetooth version 3.0


Wire cutterReview
Headphones & Speakers Deals

Staples Coupons
g: 0 Posted By: jessicadabears
Views: 176 Replies: 0 Wii U eShop Indie Game Sale - Buy or Own 1, get others for 60% Off + Free Zelda: Four Swords for 2DS/3DS@ Nintendo.com.

Nintendo is kicking off a two-week "Super Indie Connection Sale[nintendo.com]" in the Wii U eShop today, with discounts of 60 percent on a few different games, the company announced today.

Five indie titles are part of the promotion. Wii U users who buy one of them during the sale, or already own one of them, will be able to purchase any of the other four games at 60 percent off.

Here are the five titles in question: Two Tribes' Toki Tori 2+, KnapNok Games' Spin the Bottle: Bumpie's Party, Gaijin Games' Bit.Trip Presents Runner 2: Future Legend of Rhythm Alien, Black Forest Games' Giana Sisters: Twisted Dreams and WayForward Technologies' Mighty Switch Force: Hyper Drive Edition.


*Offer valid 9:00am PT January 30 8:59am PT February 13*
Video Games Deals
g: 30 Posted By: Redbeard25
Views: 1074 Replies: 21 text<---link to all eligible products

Okay, FatWalleters, this isn't in "Free stuff" because you still have to pay shipping and handling, and please, please, please follow through with the promise to review the product:

Facebook Friends! Free coffee

Recently, we decided to take the coffee business to the next level and start offering on Amazon. But as we all know, its very much a feedback related type business to get new customers using that channel.

Ive talked to my partners and we agreed that for our friends and family, if you pay for shipping ($4.49 Amazon doesnt have an option to credit this) , we will give you a 33oz bag of coffee (whichever flavor we have available on Amazon) for FREE. We are asking that after you get it, please write a feedback for the product you chose.

How to find us on Amazon:

Search - america's best coffee 33oz
Select the coffee that you like - There are quite a few to choose from (flavors and grinds).
At checkout, use promo code ONEGRIND (all caps).
We appreciate your support and feedback!

You are welcomed to share this with your friends as well.

I consider all of you my friends (and actually checked this one out with a friend of the business owner before I posted it.) So, go ahead and buy some, and set yourself a reminder to write that review.

Thanks in advance for roasting this deal green!

Grocery Deals

Amazon Coupons
g: 7 Posted By: Redbeard25
Views: 371 Replies: 5 text<---link to all eligible products

Okay, FatWalleters, this isn't in "Free stuff" because you still have to pay shipping and handling, and please, please, please follow through with the promise to review the product:

Facebook Friends! Free coffee

Recently, we decided to take the coffee business to the next level and start offering on Amazon. But as we all know, its very much a feedback related type business to get new customers using that channel.

Ive talked to my partners and we agreed that for our friends and family, if you pay for shipping ($4.49 Amazon doesnt have an option to credit this) , we will give you a 33oz bag of coffee (whichever flavor we have available on Amazon) for FREE. We are asking that after you get it, please write a feedback for the product you chose.

How to find us on Amazon:

Search - america's best coffee 33oz
Select the coffee that you like - There are quite a few to choose from (flavors and grinds).
At checkout, use promo code ONEGRIND (all caps).
We appreciate your support and feedback!

You are welcomed to share this with your friends as well.

I consider all of you my friends (and actually checked this one out with a friend of the business owner before I posted it.) So, go ahead and buy some, and set yourself a reminder to write that review.

Thanks in advance for roasting this deal green!

Grocery Deals

Amazon Coupons
Amazon MP3 Albums @ $1.99
Added on : Thursday January 30th 2014 05:00:15 AM
g: 9 Posted By: cogan
Views: 1086 Replies: 4 A bunch of old and new(ish) pop/rock albums at Amazon for $1.99/each, including:

Babelby Mumford and Son
Some Nightsby Fun
The Very Best of Sheryl Crowby Sheryl Crow
The Marshall Mather LPby Eminem
No Jacket Requiredby Phil Collins
Tracy Chapmanby Tracy Chapman
Jagged Little Pillby Alanis Morissette
Back to Blackby Amy Winehouse
Bon Iverby Bon Iver
Unforgettable With Loveby Natalie Cole
A Rush of Blood to the Headby Coldplay
Yeesusby Kanye West
Blak and Bluby Gary Clark Jr.
+by Ed Sheeran (yes, the album title is a "plus sign")

This is in addition to the soundtrack albums I mentioned in my previous post(Saturday Night Fever and O Brother, Where Art Thou?)
and in addition to $1.99 albums from a couple of days ago, e.g.
Pure Heroineby Lorde (as posted by FW-user johnny98 here)
Nothing Was the Sameby Drake
Same Trailer, Different Parkby Kacey Musgraves

There are a few others -- you'll likely see them on Amazon's Album Best-Seller list, which you can get to here:
http://www.amazon.com/Best-Sellers-MP3-Downloads/zgbs/dmusic/dig...

Enjoy.

P.S. A few not on the best-seller list, also $1.99:
Eric Clapton Unpluggedby Eric Clapton
Radio Music Societyby Esperanza Spaulding (she's the spirit of music of our age)
Radio Music Society Deluxe Editionby Esperanza Spaulding (same as previous + a video)
Music Deals

Amazon Coupons
g: 0 Posted By: cogan
Views: 194 Replies: 0 A bunch of old and new(ish) pop/rock albums at Amazon for $1.99/each, including:

Babelby Mumford and Son
Some Nightsby Fun
The Very Best of Sheryl Crowby Sheryl Crow
The Marshall Mather LPby Eminem
No Jacket Requiredby Phil Collins
Tracy Chapmanby Tracy Chapman
Jagged Little Pillby Alanis Morissette
Back to Blackby Amy Winehouse
Bon Iverby Bon Iver
Unforgettable With Loveby Natalie Cole
Yeesusby Kanye West

This is in addition to the soundtrack albums I mentioned in my previous post(Saturday Night Fever and O Brother, Where Art Thou?)
and in addition to $1.99 albums from a couple of days ago, e.g.
Pure Heroineby Lorde (as posted by johnny98 here)
Nothing Was the Sameby Drake
Same Trailer, Different Parkby Kacey Musgraves

There are a few others -- you'll likely see them on Amazon's Album Best-Seller list, which you can get to here:
http://www.amazon.com/Best-Sellers-MP3-Downloads/zgbs/dmusic/dig...

Enjoy.

P.S. A few not on the best-seller list, also $1.99:
Eric Clapton Unplugged by Eric Clapton
Radio Music Society by Esperanza Spaulding
Radio Music Society Deluxe Edition by Esperanza Spaulding (same as previous + a video)
Music Deals

Amazon Coupons
Bulova Precisionist Catamount 98B168 men's watch, $169 shipped
Added on : Wednesday January 29th 2014 09:00:03 AM
g: 0 Posted By: cga
Views: 50 Replies: 0 Ashford

This is the Bulova Precisionist Catamount98B168 with the blue dial. Must useTECHPREC169 for the discounted $169 price.

There are several dial colors in the Catamount line, and Ashford has discounted at least one of the other versions. I bought the white dial version a few weeks ago and it has become one of my favorite every day watches. Check the above link for the watch's specifications. All versions of the Catamount are identical, except for the dial color.

Briefly, this is a battery operated watch that is advertised as being accurate to within 10 seconds a years. I've had four different Precisionist watches and none has come close to that standard. You should expect a Precisionist watch to be plus/minus perhaps 1.5 to 4 seconds a month, which I can easily live with. The sweep second hand is very smooth due to the high beat nature of the movement. Be aware this is a LARGE and quite heavy watch with a very long (and high quality) bracelet. Unless you have a very large wrist (like me) you will have to remove at least three links, which is not that big of a deal. The locking bezel is very nice, and actually useful. The 300 meter water resistant rating and screw-down crown are great features, even though I don't plan on needing the deep water rating (unless I fall off a cruise ship or out of an airplane).
Safeway and DiGiorno Pizza
Added on : Wednesday January 29th 2014 06:00:19 AM
g: 0 Posted By: nerraw00
Views: 143 Replies: 1 safeway has the pizzas for $3.99ea and with the Buy 2 get one free coupon you get 3 for $7.98 or $2.66!

Grocery Deals
Terralux TT-1 Tactical LED Flashlight for $24.99 at Shnoop
Added on : Wednesday January 29th 2014 02:00:05 AM
g: 0 Posted By: kraut
Views: 104 Replies: 0 Terralux TT-1 250 LM Stealth Portable Tactical LED Flashlight for $24.99 at Shnoop.com.

Link

Only a few reviews at Amazon but all good.
http://www.amazon.com/Terralux-Stealth-Grey-Flashlight-TLF-TT-1/...
g: 1 Posted By: jaymanthegreat
Views: 92 Replies: 2 Ozark Trail 8-Person Instant Tent and 2 Queen Airbeds with Battery Pump Value Bundle $159.00


You Save: $60.91 (28%)

Item Description:

Comes withOzark Trail 8-Person Instant Cabin Tent
Intex Fabric Queen Airbed with 6C Battery Pump
Intex Fabric Queen Airbed with 6C Battery Pump

Ozark Trail 8-Person Instant Cabin Tent:
Easy 60 second setup
No assembly required
Poles pre-attached to tent
Sleeps 8
Fits 2 queen airbeds
2-room tent
Includes rainfly with factory sealed seams
5 windows
Welded tub floor
Free standing frame design
Electrical cord access
Carry bag included
Tent stakes included
Measures: 13' x 9'
Construction: polyester and steel
Height: 78"
Weight: 24.02 lbs
Model# CV1309

Intex Fabric Queen Airbed with 6C Battery Pump:
Perfect choice for camping and in-home use
Flocked top provides a comfortable sleeping surface
Cleans easily and is waterproof
Hand held, battery operated pump
Pump requires 6C cell batteries (not included)
Location, temperature, and humidity will affect the airbed's firmness. Airbeds will need to be occasionally re-inflated (topped off) to maintain desired firmness when used for more than a few days as vinyl tends to relax over time.
Measurements will vary based on customer's inflation. Airbeds are measured from the widest point including the beams (bulges) on the side and off the tallest point from the floor including built-in pillows if applicable
Measures: 60"L x 80"W x 8.75"H
Model# 66969E

http://www.walmart.com/ip/Ozark-Trail-8-Person-Instant-Tent-and-...
Camping Deals

Walmart Coupons
Bob Harper 7-Day Cleanse - $7.95 + FS @ Amazon
Added on : Tuesday January 28th 2014 04:00:02 PM
g: 0 Posted By: heyyl0w
Views: 218 Replies: 1 Amazon has the Bob Harper 7-Day Cleanse for $7.95 with free shipping. This was a few dollars cheaper back in June.

Cleanses are basically glorified laxatives/diuretics, but they're great ways to jump-start a healthy lifestyle. The reviews are mixed on Amazon, so take the time to read them before you decide on this for yourself!

Feel revitalized and refreshed
Gluten-free and dairy-free
Gently flushes your system with senna
Contains aai and a scientifically researched key ingredient


"Bob harper Americas inspirational tv trainer has dedicated his life to giving you the inspiration, the encouragement, and the supplements you need to help you reach your weight-loss goals. Thats why he helped create the smart weight losstm starter kit. Its formulated to his highest personal standards and made with clinically proven key weight-loss ingredients. You can trust it works! This 7-day kit is a great way to get yourself started. It comes in an easy-to-use AM/PM format."
Health Deals

Amazon Coupons
Legoland (Florida) $86 for adult + child
Added on : Tuesday January 28th 2014 10:00:07 AM
g: 0 Posted By: jaimelobo
Views: 322 Replies: 0 Living Social has a dealif you happened to be coming to Central Florida in the next few months.

Choose from the following ticket offers:
$86 ($155 value) for one adult and one child admission
$48 ($79 value) for one additional child (only available upon purchase of first option)
$52 ($84 value) for an additional adult ticket (only available upon purchase of first option)

Fine Print:
Not valid with any other discount or offer
Cannot be exchanged for any other type of ticket or combined with any other offers or discounts.
Tax is included in amount paid for voucher
Water park admission and parking not included
Valid only at LEGOLAND Florida
Entire value must be used in 1 visit
Valid January 25 through April 30

Linky-Dink


Restaurants & Entertainment Deals

LivingSocial Coupons
Legoland (Florida) $86 for adult + child
Added on : Tuesday January 28th 2014 09:00:14 AM
g: 0 Posted By: jaimelobo
Views: 3 Replies: 0 Living Social has a dealif you happened to be coming to Central Florida in the next few months.

Choose from the following ticket offers:
$86 ($155 value) for one adult and one child admission
$48 ($79 value) for one additional child (only available upon purchase of first option)
$52 ($84 value) for an additional adult ticket (only available upon purchase of first option)

Fine Print:
Not valid with any other discount or offer
Cannot be exchanged for any other type of ticket or combined with any other offers or discounts.
Tax is included in amount paid for voucher
Water park admission and parking not included
Valid only at LEGOLAND Florida
Entire value must be used in 1 visit
Valid January 25 through April 30

Linky-Dink

g: 0 Posted By: slervik
Views: 237 Replies: 0 Amazon has Covergirl Products on sale right now!

Mascara'sStarting at $2.10

Eyeliner'sStarting at $1.51

Eyeshadow'sStarting at $1.28

This is a pretty good deal for this brand. I usually only wear CoverGirl, given a few exceptions, and for the Last Blast 24-Hour Mascara, at Woodman's, even with a coupon, I'm spending $7 on mascara, it's only $4.04 on Amazon.

Oh! And some of the makeup products on the search page aren't Subscribe & Save, even though I categorized it. So, make sure it's Subscribe & Save before you click it so you can get that extra saving and free shipping.

You must have Subscribe & Save for free shipping in order to avoid the $35 shipping requirement. You may cancel Subscribe & Save anytime after your order ships.
Beauty Deals

Amazon Coupons
g: 0 Posted By: langberg
Views: 78 Replies: 1 I am thinking about starting a side business and I am projecting about $10k-20k in annual revenue. I have a few questions about that:

1. Should I register yet?
2. If I do not, can other businesses write this off on their taxes?
3. For payment, should I tell them to write checks or can I use something like PayPal?
Personal Finance Deals
Wells Fargo Opened Credit Card without my consent
Added on : Monday January 27th 2014 04:00:08 PM
g: 0 Posted By: dukeboy
Views: 136 Replies: 1 Wells Fargo is really trying to push into Credit Card business after all the money they made in mortgage.
A few months ago, I got a call from a local WF branch, offering me a new product, WF Amex card with 1% Cash Back for everything.
after telling me the reward, he was like, you will receive the card in a few days. ( without even asking for household income, ssn, birthday...).
I immediately told him, that I don't want this card.

Last week, got another call from local branch, he'd like to provide me a new product that is only available for premier account holder, visa signature Cash Back card.
I told him that I already have enough credit cards, and don't need this offer after he insisted many times. At the end, he said, he will mail me some information on the credit card.

The next day, I got a alert from my id monitor, and one hard inquiry showed up and a new credit card (visa signature CashBack) with $15k line in my WF account.
Again, without my consent or even asking those usual questions other credit card issuer normally ask before they approve a credit line.

looks like I'll have to double my MS activities to get the best out of this card.




Personal Finance Deals
g: 0 Posted By: remick
Views: 149 Replies: 0 http://www.cheatbook.de/cheatbook-database-2014.htm

Cheatbook-DataBase 2014 is a cheats code tracker that makes hints, Tricks, Tips and cheats (for PC, Walkthroughs, Playstation, Playstation 2, Playstation 3, Playstation 4, Sega, Nintendo 64, Nintendo DS, DVD, Gameboy Advance, Gameboy Color, N-Gage, Nintendo DS, XBox, XBox 360, XBox One, iPhone, Gamecube, Dreamcast, Super Nintendo, Wii, Wii U, Sony PSP) easily accessible from one central location. If you're an avid gamer and want a few extra weapons or lives to survive until the next level, this freeware cheat database can come to the rescue. Covering more than 22.000 Games Cheats, this database represents all genres and focuses on recent releases. Games are listed alphabetically in the left-hand window. When you click on a game name, the relevant cheat is displayed in a editor window, with convenient buttons that let you print the selection or save any changes you've made. In the latest past many users of the CheatBook-DataBase and readers of the monthly being published magazine have sent to us small error messages and suggestions for improvement again and again. First of all we say "Thank you very much!" to all of you! Due to this assistance and the permanent sending in of new and revised cheats the CheatBook is ever increasing and becoming more and more voluminous. Release date January 5. 2014. Cheatbook-DataBase 2014 is Freeware for Win95/ 98/ 2000/ NT/ XP/Vista/Windows 7/Windows 8
Totally Free Deals
Buy One Plush Get One for $1 @ Disney Store
Added on : Monday January 27th 2014 10:00:09 AM
g: 1 Posted By: chapmanra2013
Views: 249 Replies: 0 Disney Store is offering Buy One Plush Get One for $1 with prices starting as low as $1.99. Get free shipping on orders of $75+ when you use promo code "SHIPMAGIC".

A few items:

Monsters University 16-in. Terri & Terry Plush - $1.99
Monsters University 12-in. Art Plush - $1.99
Doc McStuffins Plush12-in. - $14.50
Jake and the Never Land Pirates 14-in. Jake Plush - $14.50

Toys Deals

Disney Store Coupons
Pioneer R1 7" 8GB tablet $60 @Walmart free ship
Added on : Sunday January 26th 2014 10:00:03 AM
g: 2 Posted By: Xam
Views: 333 Replies: 1 ripped from benz.
- 1024x600 16:9 capacitive multi-touch
- 1.5GHz Dual
- 1GB DDR2
- android 4.2
- front camera only
- microSD
- micro USB cable == port?
- Wifi
- 5hrs
- mini hdmi
- stereo
- screen protector
- made in China

- no BT
- no GPS

http://www.walmart.com/ip/Pioneer-7-Tablet-with-Dual-Core-Processor-8GB-Memory-and-Google-Mobile-Services/29560002

official

PS: WalMart charges $3 recycle fee for CA orders (+tax on recycle fee). quite a few complained that the screen turn up scratched or been used.
Android Tablets Deals

Walmart Coupons
12 unit MF purchase decision
Added on : Sunday January 26th 2014 04:00:08 AM
g: 1 Posted By: fattie88
Views: 36 Replies: 1 Hi everyone. Could use some advice. I've located what I think is an excellent investment property.

12 units. Average rental $550/month. Total revenue approximately 77k/year (includes 6% vacancy but also other income, e.g. washer, dryers)
Approximately$37k a year in expenses.
NOI is around $39k yearly.

Purchase price around $530k. Negotiations in progress.

Questions:

1) I have 3 other investment properties, a single condo, a duplex and a triplex (Pennsylvania and Virginia). Should I consider an LLC or stick with an umbrella liability policy? I read through much of this thread and I see that an umbrella is good for a few properties, but since I will own a relatively large number of units, would an LLC be more appropriate now?
2) I am 70 years old and have a large 401k position, $250,000 in an HELOC, and around a $500,000 stock portfolio. How should I structure the sale? Pulling the entire amount from my 401k will incur hefty taxes. Another option is I can obtain an investment loan for around 4.5%. OR, should I fund this from a new loan along with some HELOC from my primary residence? ... just by writing this, I realize I have about $175k I can pull out of my condo and another $100k from my duplex... should I structure the purchase based on all this equity or go for a new loan?

Thanks everyone in advance for your help!


Personal Finance Deals
HSBC Restricts Large Cash Withdrawals
Added on : Sunday January 26th 2014 04:00:08 AM
g: 0 Posted By: elptrainerny
Views: 39 Replies: 0 "Some HSBC customers have been prevented from withdrawing large amounts of cash because they could not provide evidence of why they wanted it, the BBC has learnt.Listeners have told Radio 4's Money Box they were stopped from withdrawing amounts ranging from 5,000 to 10,000.HSBC admitted it has not informed customers of the change in policy, which was implemented in November.The bank says it has now changed its guidance to staff.New rulesStephen Cotton went to his local HSBC branch this month to withdraw 7,000 from his instant access savings account to pay back a loan from his mother.A year before, he had withdrawn a larger sum in cash from HSBC without a problem.But this time it was different, as he told Money Box: "When we presented them with the withdrawal slip, they declined to give us the money because we could not provide them with a satisfactory explanation for what the money was for. They wanted a letter from the person involved."Mr Cotton says the staff refused to tell him how much he could have: "So I wrote out a few slips. I said, 'Can I have 5,000?' They said no. I said, 'Can I have 4,000?' They said no. And then I wrote one out for 3,000 and they said, 'OK, we'll give you that.' "He asked if he could return later that day to withdraw another 3,000, but he was told he could not do the same thing twice in one day.HSBC customer letterHe wrote to complain to HSBC about the new rules and also that he had not been informed of any change.The bank said it did not have to tell him. "As this was not a change to the Terms and Conditions of your bank account, we had no need to pre-notify customers of the change," HSBC wrote. Frustrated customersMr Cotton cannot understand HSBC's attitude: "I've been banking in that bank for 28 years. They all know me in there. You shouldn't have to explain to your bank why you want that money. It's not theirs, it's yours."Peter from Wiltshire, who wanted his surname withheld, had a similar experience.He wanted to take out 10 000 cash from HSBC, some to pay to his sons and some to fund his long-haul travel plans.Peter phoned up the day before to give HSBC notice and everything seemed to be fine.The next day he got a call from his local branch asking him to pay his sons via a bank payment and to provide booking receipts for his holidays. Peter did not have any booking receipts to show.The following day he spoke to HSBC again and this time, having examined his account, it said he could withdraw the 10,000.Belinda Bell is another customer who was initially denied her cash, in her case to pay her builder. She told Money Box she had to provide the builder's quote. Customer protectionHSBC has said that following customer feedback, it was changing its policy: "We ask our customers about the purpose of large cash withdrawals when they are unusual and out of keeping with the normal running of their account. Since last November, in some instances we may have also asked these customers to show us evidence of what the cash is required for.""The reason being we have an obligation to protect our customers, and to minimise the opportunity for financial crime. However, following feedback, we are immediately updating guidance to our customer facing staff to reiterate that it is not mandatory for customers to provide documentary evidence for large cash withdrawals, and on its own, failure to show evidence is not a reason to refuse a withdrawal. We are writing to apologise to any customer who has been given incorrect information and inconvenienced."
In a sense your money becomes pocket money and the bank becomes your parent
Money Box asked other banks what their policy is on large cash withdrawals.They all said they reserved the right to ask questions about large cash withdrawals.But none of them said they would require evidence of what the money was being used for before paying out.Douglas Carswell, the Conservative MP for Clacton, is alarmed by the new HSBC policy: "All these regulations which have been imposed on banks allow enormous interpretation. It basically infantilises the customer. In a sense your money becomes pocket money and the bank becomes your parent."t.""

From:
http://www.bbc.co.uk/news/business-25861717
Also http://www.mirror.co.uk/news/uk-news/hsbc-under-fire-after-stopp...
Personal Finance Deals
g: 0 Posted By: bittul
Views: 180 Replies: 0 http://www.amazon.com/gp/coupon/-3-off-select-deodorants/A366QCD100UYDI

The $6.89 = $3.55 with 5x S&S, the others are a few cents more.

5x S&S and/or mom, will result in even greater discounts.

Even better, the Dove options are also Bogo 50% off. So get $3 off the first one, then another $3.50 off the second one, plus the additional 5-20% off with S&S!!!

Shipping is Free as long as S&S is available.
Health Deals

Amazon Coupons
Free Kindle Fire HD for opening a Key checking account w/ $500 DD
Added on : Saturday January 25th 2014 04:00:03 PM
g: 0 Posted By: palmpilot
Views: 196 Replies: 2 https://www.key.com/personal/promotions/dda/fire-all.jsp

Has a few hoops to keep the account free but nothing too crazy.

Need to keep the acct open 6 months, else $25 fee applies.

Expires 2/28/2014
Deposits Deals
Need independent contractor tax help
Added on : Saturday January 25th 2014 09:00:10 AM
g: 0 Posted By: ishani
Views: 3 Replies: 0 Hey guys..
I am ridiculously lost, and confused about what I'm supposed to do with my taxes.
I worked as a receptionist where I was paid monthly as an 'independent contractor'. I worked there for 3 months (started end of June 2013) and a few days. I made $2,001.77 total.
this is the first time I've been an IC and am so confused. I quit in September 2013.
Ive done my research but am not following, I know I owe taxes but don't know how to find out EXACTLY what taxes, how much, and can't find when to send them in, or where. Since I owe taxes, this means I have no tax return, right?

can someone PLEASE tell me, in easy to understand for a confused person, terms, what exactly I need to do.
From start to finish... I would greatly, greatly, greatly appreciate it.

I was was just sent a 1099-misc form that only has my non employee comp part filled out. Do I send this somewhere? Or is it for my records?

I am extremely grateful for anyone who responds to help,
Ishani
g: 0 Posted By: MrVietnam
Views: 117 Replies: 0 There is a new $0.75/1 Essential Everyday coupon coming in the 1/26 Red Plum this coupon is regional so it wont be in everyones papers. However, this coupon is great because there are quite a few freebies with this one!Here is a list of what I found at the store feel free to share what other great deals you know of with this coupon, in the comments below!Essential Everyday brand can only be found at Albertsons.

Essential Everyday Facial Tissue 66-86 ct - $0.75
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREE

Essential Everyday Seasoning Mix - $0.25
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREE

Essential Everyday Cereal - $1.00
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25

Essential Everyday Shredded or Chunk Cheese - $1.50
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75

Essential Everyday Quick Oats - $1.00
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25

Essential Everyday Single String Cheese - $0.25
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREE

Essential Everyday Fabric Softener - $0.75
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREE

Essential Everyday Flatware, 24 ct - $0.50
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREE

Essential Everyday Toaster Pastries - $1.50
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75

Essential Everyday Ketchup - $1.99
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.24

Essential Everyday Salad Dressing - $1.99
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.24

Essential Everyday Croutons - $1.50
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75

Essential Everyday canned olives - $1.00
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25

Essential Everyday Beef and Chicken Broth - $0.89
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.14

Essential Everyday Onion Soup and Dip Mix - $1.50
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75

Essential Everyday Sloppy Joe Mix - $0.99
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.24

Essential Everyday Beef Ravioli - $0.89
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.14

Select Essential Everyday Canned Veggies - $1.00
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25

Essential Everyday Pasta Sauce - $1.89
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.14

Essential Everyday Boxed Pasta B1G1 Free - $1.99
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.24 each if your store allows a coupon on a free item

Essential Everyday canned tomatoes - $1.25
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.50

Essential Everyday canned tomato sauce (small can) - $0.69
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREE

Essential Everyday Tomato Paste - $0.79
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.03

Essential Everyday Lentils - $1.50
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75

Essential Everyday White Rice 16 oz - $1.79
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.04

Essential Everyday Variety Pack Oatmeal - $2.00
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.25

Essential Everyday Jelly - $2.50
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.75

Essential Everyday Peanut Butter - $2.79
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $2.04

Essential Everyday Canned Fruit - $1.59
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.84

Essential Everyday Bread Crumbs - $1.99
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.24

Essential Everyday Napkins - $1.00
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25

Essential Everyday Sandwich Bags - $2.00
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.25

Essential Everyday Single Roll Paper Towels - $1.19
$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.44
Grocery Deals
Albertsons: Upcoming Essential Everyday Coupon = LOTS of Freebies!
Added on : Saturday January 25th 2014 07:00:09 AM
g: 0 Posted By: MrVietnam
Views: 2 Replies: 0 There is a new Essential Everyday coupon coming in the 1/26 Red Plum this coupon is regional so it wont be in everyones papers. However, this coupon is great because there are quite a few freebies with this one!Here is a list of what I found at the store feel free to share what other great deals you know of with this coupon, in the comments below!Essential Everyday brand can only be found at Albertsons.Essential Everyday Facial Tissue 66-86 ct - $0.75$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREEEssential Everyday Seasoning Mix - $0.25$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREEEssential Everyday Cereal - $1.00$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25Essential Everyday Shredded or Chunk Cheese - $1.50$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75Essential Everyday Quick Oats - $1.00$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25Essential Everyday Single String Cheese - $0.25$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREEEssential Everyday Fabric Softener - $0.75$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREEEssential Everyday Flatware, 24 ct - $0.50$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREEEssential Everyday Toaster Pastries - $1.50$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75Essential Everyday Ketchup - $1.99$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.24Essential Everyday Salad Dressing - $1.99$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.24Essential Everyday Croutons - $1.50$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75Essential Everyday canned olives - $1.00$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25Essential Everyday Beef and Chicken Broth - $0.89$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.14Essential Everyday Onion Soup and Dip Mix - $1.50$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75Essential Everyday Sloppy Joe Mix - $0.99$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.24Essential Everyday Beef Ravioli - $0.89$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.14Select Essential Everyday Canned Veggies - $1.00$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25Essential Everyday Pasta Sauce - $1.89$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.14Essential Everyday Boxed Pasta B1G1 Free - $1.99$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.24 each if your store allows a coupon on a free itemEssential Everyday canned tomatoes - $1.25$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.50Essential Everyday canned tomato sauce (small can) - $0.69$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= FREEEssential Everyday Tomato Paste - $0.79$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.03Essential Everyday Lentils - $1.50$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.75Essential Everyday White Rice 16 oz - $1.79$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.04Essential Everyday Variety Pack Oatmeal - $2.00$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.25Essential Everyday Jelly - $2.50$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.75Essential Everyday Peanut Butter - $2.79$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $2.04Essential Everyday Canned Fruit - $1.59$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.84Essential Everyday Bread Crumbs - $1.99$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.24Essential Everyday Napkins - $1.00$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.25Essential Everyday Sandwich Bags - $2.00$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $1.25Essential Everyday Single Roll Paper Towels - $1.19$0.75/1 Essential Everyday Product, exp. 2/22/14 (RP 01/26/14 R)
= $0.44
Are Credit Card Purchase Refund Credits seen as Payments?
Added on : Saturday January 25th 2014 06:00:10 AM
g: -1 Posted By: ScottMalinowski
Views: 170 Replies: 5 Being a FatWalleter.....I want to float the balances as much as possible....of course. So... Can I reduce my payment from the previous credit card cycle by the amounts of credits (refunds) in the current cycle? Do they magically know somehow that that refunds and materially different then payments.

This month I made some purchases and paid in full, a few days later I cancelled and received a full refund. All on my credit card in the same billing cycle.

On my statement is says: Payments and Credits combined.....

The fine print has the words in how they calculate daily balance..... "and subtract any Payments and Credits applied to that type of transaction under the payment allocation method then in effect"

type of transaction? Do they mean purchase vs. cash advance? Hmmmm. Any experience out there?

---added later----
I pay in full every month.
Credit Deals
MXL Guitar Cube Pro Mic 79.99 free shipping - MusiciansFriend.com Daily
Added on : Saturday January 25th 2014 05:00:03 AM
g: 1 Posted By: PatioFurniture
Views: 139 Replies: 0 http://www.musiciansfriend.com/stupid/

http://www.musiciansfriend.com/condenser-microphones/mxl-guitar-... $179.99 MF Price for a few reviews.

Amazon doesnt seem to carry it

Some site I found that talks about it

http://recordinghacks.com/microphones/MXL/Cube

I like MXL mics overall. Ive heard many and used them often with little complaint.
Electronics Deals

Musician's Friend Coupons
g: 1 Posted By: peekpeek
Views: 158 Replies: 0 Plano Heavy Duty Interlocking Shelving $34.97 Amazon Prime $30 below last low!
It's backordered, said to ship in 2 to 3 weeks.
Was $111.34 a few weeks ago.

Plano Molding 9618-00 Heavy Duty Interlocking Shelving
http://www.amazon.com/gp/offer-listing/B000W6XJ2S/ref=dp_olp_new...


Home & Garden Deals

Amazon Coupons
Got caught in a parking scam - got letter from a debt collector
Added on : Friday January 24th 2014 10:00:10 PM
g: 0 Posted By: HarleyQuins
Views: 79 Replies: 0 Hey all, I was hoping I could get some advice.

I parked at a private parking lot in Denver in August. Paid cash in one of those old style boxes with the slots - no receipt or electronic record. I came back later that night, and there was a "ticket" on my window for non payment - from a private company, not the city. Some of the neighbors approached me, and told me about a scam the lot owners were pulling where they wrote tickets, and used them as "evidence" to tow the cars, with their own tow company of course. It turns out the city busted them a few years ago. So I ignored the ticket, and haven't parked in the lot since.

Today I get a letter (dated 1/17) from a collection company, saying that STOP N PARK has assigned my debt to them, and I owe $57. They have my correct name, address, and plate number. I haven't gotten any alerts from CK or Credit Sesame, and my FICO is good, according to my Discover and Barclays statements from a few days ago.

I don't mind taking my lumps and paying the 57 bucks, but will they report it to the bureaus if I pay the debt collector directly? And if I send an "I dispute, please validate" letter, does the handwritten, private ticket count for debt validation, even though it wasn't valid in the first place?

Just trying to save my credit, thanks for all your help.
How to approach asking for a raise?
Added on : Friday January 24th 2014 09:00:12 PM
g: 0 Posted By: packers9626
Views: 48 Replies: 0 2 year anniversary at the company is coming up, not really happy with where I am at money wise, but I do like the company and they like me a lot. Already been promoted, I already consider myself strong in my new role with limited experience. Backed up by performance reviews which are all exceptional. There is a lot of weakness in the dept. I need a jump in salary and will move to a competitor if necessary, but I do like where i'm at. If I am treated well monetarily, no reason I couldn't be a 10+ year employee.

A few questions:

1- I just state I am not happy with my compensation, dont throw out a specific demand, correct? I plan on mentioning the salary range for my specific position listed on glassdoor (I am significantly under the range listed).

2- Is the dog and pony show of discussing my performance with them necessary? I was planning on a 1 on 1 meeting with my direct supervisor in a conference room, mostly for privacy. I know she likes me and I would prefer just to be forthright with no BS.

3- Direct supervisor is the correct person to discuss this with correct? I know she will need to get approval from the dept head and maybe HR prior to giving me a raise.

Any general advise would be great too. Thanks

Discussion Deals
defending myself against a frivolous Netgear lawsuit
Added on : Friday January 24th 2014 05:00:10 PM
g: 3 Posted By: US1549
Views: 326 Replies: 11 My sincere apologies for another "i'm getting sued" thread.

A few weeks ago, I purchased several routers from "an office store" to resell on Amazon. Shortly after listing the items, I received an e-mail from the "Netgear Compliance Department" accusing me of selling counterfeit goods as my price was significantly below their MSRP and therefore must be counterfeit. I informed them that my items are accurately described and not counterfeit, and to stop contacting me.

They e-mailed me several more times asking for documents regarding my sales and gave me a "last chance" to settle or they will sue. I told them to go pound some more sand.

Low and behold, I received an e-mail from them with a PDF attachment showing that they have filed suit against me in Superior Court in California. They obviously don't know my name since they used my Amazon handle as the defendant.

I'm confused as to what my course of action is, as courts generally don't recognize service by email, and unless they subpoenaAmazon, they don't have my personal information to properly serve me.

I think the're bluffing, as re-selling accurately described goods on Amazon is not illegal (not even in CA) and their charges are baseless. I think they are just waiting for suckers to respond to their PDF so they can be served and settle.

What does the genius minds of FWF think?
Personal Finance Deals
Emerson, Lake and Palmer MP3 Albums $5 Amazon
Added on : Friday January 24th 2014 03:00:08 PM
g: 0 Posted By: dogmeat
Views: 271 Replies: 1 There must be a few other fossilslike meout there who would still rather listen to ELP thanjust about anything on the radio today. Ama a zon has about ten ELP albums on sale right now for$5:
Link

I have some of these on vinyl; a few others I have lost the CDs over time. I've often found that you can buy a used CD on Amazon for less than the MP3 album, but this is a pretty good deal to fill in stuff you may have missed or lost. I'm listening to "Works Live" right now and while it's not the best recording (two track tape machine), I haven't heard this for a long time. My GUESS is that the prices will last the month, but with Am a zon you never know.

Music Deals

Amazon Coupons
$4 Off Seventh Generation Diapers A/C @ Amazon
Added on : Friday January 24th 2014 09:00:10 AM
g: 0 Posted By: ksenn
Views: 158 Replies: 0 Amazon has $4 off Seventh Generation diapers with this coupon.Various sizes and kinds available. Seventh Generation makes mostly natural products, and a lot of these diapers are latex, fragrance and petroleum free. They also contain as few chemicals as possible.

Also available:
$3 off Seventh Generation Baby Wipes
Baby Deals

Amazon Coupons
g: 5 Posted By: remick
Views: 439 Replies: 0 http://www.amazon.com/Defying-Age-Food-Vitality-Exercise-ebook/d...

5.0 out of 5 stars (23 customer reviews)

In a society that spends billions of dollars annually in seeking better health and appearance through pills, powders, drinks, hormones, exercise obsession, gym memberships, and medical drugs, Freda Mooncotch is making a very bold proclamation with the title of her new book Defying Age With Food: Reclaim Your Health, Energy & Vitality. Its What You Eat, Not How Much You Exercise! Can we really defy the aging process with what most of us take for granted each day our food? Freda says we most certainly can in fact dramatically slow our inevitable passage of life while attaining superior health and vitality.

The pages of her new release are not filled with theories, conjecture or speculations; they tell the riveting tale of a womans plight to regain her health. In describing her story, Freda literally runs the gauntlet of healing protocols from both the orthodox medical and alternative health fields. What the author accomplished in her success not only gave back her health and beauty, but fired a few heavy artillery rounds across the bows of a good number of our sacred cows such as excessive exercise, fad dieting, mega-dosing on supplements, and a pharmaceutical drug reliance that has forged the industrialized world.

This is a must read for anyone wishing to seriously upgrade their nutritional knowledge.
Totally Free Deals
Free Aimersoft Video Editor 3.5.0 - Giveawayoftheday
Added on : Friday January 24th 2014 05:00:17 AM
g: 0 Posted By: AzianFleeMarket
Views: 188 Replies: 0 linky
January 24, 2014Aimersoft Video Editor is an easy-to-use yet powerful video editing program that lets you compile any movie or video projects from videos, audio files and photos in just a few clicks. With it, you can create professional-looking movies with stylish video effects, scene transitions, background music and more to amaze the audience.Key features:

Create stunning movies from video/audio/image files with simple clicks;
Personalize media files with rich features like crop, rotate, merge, split etc.;
Optimize videos with eye-catching special effects, filters, text, transitions and more;
Share your video creation anywhere you likewith multiple broadcast channels.


I was thinking of buying Pinnacle's software that was on sale at Newegg but it got bad reviews and I hopped onto giveawayoftheday and found this. Hope this helps someone.
Totally Free Deals
g: 0 Posted By: remick
Views: 58 Replies: 0 http://www.amazon.com/Defying-Age-Food-Vitality-Exercise-ebook/d...

5.0 out of 5 stars (23 customer reviews)

In a society that spends billions of dollars annually in seeking better health and appearance through pills, powders, drinks, hormones, exercise obsession, gym memberships, and medical drugs, Freda Mooncotch is making a very bold proclamation with the title of her new book Defying Age With Food: Reclaim Your Health, Energy & Vitality. Its What You Eat, Not How Much You Exercise! Can we really defy the aging process with what most of us take for granted each day our food? Freda says we most certainly can in fact dramatically slow our inevitable passage of life while attaining superior health and vitality.

The pages of her new release are not filled with theories, conjecture or speculations; they tell the riveting tale of a womans plight to regain her health. In describing her story, Freda literally runs the gauntlet of healing protocols from both the orthodox medical and alternative health fields. What the author accomplished in her success not only gave back her health and beauty, but fired a few heavy artillery rounds across the bows of a good number of our sacred cows such as excessive exercise, fad dieting, mega-dosing on supplements, and a pharmaceutical drug reliance that has forged the industrialized world.

This is a must read for anyone wishing to seriously upgrade their nutritional knowledge.
Totally Free Deals
In replace of Chase sapphire preferred card
Added on : Friday January 24th 2014 03:00:05 AM
g: 0 Posted By: voonli
Views: 0 Replies: 0 So I have recently terminated my chase sapphire preferred card because I did not want to pay for the annual fee. However, I found that I could actually have more use for it this year but Chase couldn't reinstate my account. So what is the best alternative out there with similar benefits?

The most important few things that I'm looking for is
No foreign transactionfee, at least 2 points for each dollar spent on travels and roadside assistance.

I looked at Capital One Venture card and found that it has similar benefits without roadside assistance but I would like to see if there are other alternatives. Also I'm not familiar with Capital one card and how easy/hard it is to redeem the points. So can someone give me some details on it?

Thanks in advance!
g: 0 Posted By: ctgolfer
Views: 10 Replies: 0 www.dailysteals.com/#deals/18458
Sports & Outdoors Deals
g: 0 Posted By: heyyl0w
Views: 242 Replies: 0 So here's some backstory: I'm a member of a program called Ipsy. It's a subscription box, kind of like Birchbox or GLOSSYBOX,run by makeup gurus from Youtube. For $10 a month I get a makeup bag containing various makeup samples tailored to my specific interests. Each month they have 12 or so companies that provide the samples. You get 5 or 6 products, some sample and some full size. At the end of the month, they release member-exclusive promo codes for all of the companies that participated in the bag - even if it wasn't one that gave you a product personally.

I started this thread to share the promo codes I get each month. Turns out they work for non-members as well. Usually they don't have a limit and can end up being a decent value. Not all of the companies are famously high-end or anything, but they've been known to get a kickstart after being featured by Ipsy. There are usually a few great deals mixed within each month. I have yet to get a bag that I dislike.

Without further digression, here's the list for January. I have the link going to the product they sent out, but the codes are not item-specific. I will update the list as they expire and add more codes as I receive them. I starred the stores that are most well-known

Briogeo Hair- 20% Off Any Purchase + FS w/ code "IPSYJAN14" (exp. 2/15/14)

Elizabeth Mott- Free Raven (Black) Pencil for Every Item Purchased. Free shipping $25+. Use code "IPSYSMOOTH" (exp. 3/15/14)

Nourish Organic- 30% Off Nourish Organic Facial Products w/ code "IPSY30" (exp. 2/15/14). Free shipping $50+

Mica Beauty- 45% Off Any Purchase w/ Code "IPSY45" (exp. 2/28/14). Unlimited uses.

Nicka- 30% Off Any Purchase w/ Code "IPSY" (exp. 2/10/14)

**Ulta** - $5 off $25+ Sexy Hair Purchase w/ Code "108723" (one per customer. exp. 2/15/14) Note: This is not the only Sexy Hair product available on Ulta.See more here.

Skin Shop One Stop- 30% Off Any Purchase w/ Code "IPSY30" (exp. 2/25/14). $5.95 shipping.

Willa- 30% Off w/ Code "IPSY" (exp. 2/15) Free Shipping $50+, otherwise $7.50.

Yaby- 20% Off Any Yaby Purchase w/ Code "201401IPSY20"

**Benefit** - Free Gift w/ Any Purchase w/ Code "JANGLAM" (exp. 2/15/14) Online Only while supplies last.

Malin+Goetz- 20% Off Any Malin+Goetz product w/ Code "IPSY" (exp. 1/31/14)

Alterna Haircare- 20% Off Any Purchase + Free Shipping w/ Code "IPSY20" (exp. 2/28/14)

**Coastal Scents** - 25% Off Any Purchase w/ Code "25OFF" (exp. 2/28/14)

Apothederm- 30% Off + Purse Mirror w/ Code "30IPSY" (exp. 2/28/14)

Balanced Guru- 20% Off Any Purchase w/ Code "ipsy20" (exp. 2/28/14)

pic- Free pic Hydrating Facial Cleanser w/ any pic Purifying Exfoliant Purchase (exp. 2/15/14). $5.95 shipping.

Faith Aromatherapy- 50% Off Any Purchase + Free Shipping w/ Code "IPSY" (exp. 4/10/14)

LeeAnni- 15% Off Any Purchase w/ Code "IPSY" (exp. 2/15/14). $5 Flat Shipping

Marula- 20% Off 50-ml. Pure Marula Facial Oil w/ Code "IPSYlovesMARULA" (exp. 2/15/15) <-- not sure if that year is a typo, but it's what the Ipsy site says!


Happy shopping
Beauty Deals
g: 0 Posted By: jessicadabears
Views: 154 Replies: 0 3 for $25 Supplements & More at GNCw/ Free Shipping using Shoprunner, otherwise shipping adds $1.99

Many more deals available at GNC, A few noteables are listed:

60-Count GNC Triple Strength Fish Oil 1500- 3 for $25.00
90-Count GNC Mega Men Energy & Metabolism- 3 for $25.00
15-oz. Nutiva Organic Extra Virgin Coconut Oil- 3 for $25.00
Health Deals

GNC Coupons
Antec Notebook Cooler To Go - $8.99 + FS @ NewEgg Flash
Added on : Thursday January 23rd 2014 12:00:04 PM
g: 0 Posted By: heyyl0w
Views: 231 Replies: 0 Newegg Flash has the Antec Notebook Cooler To Gofor $8.99 with free shipping. This is a few dollars off what it usually goes for.

Positive reviews at Amazon.

Model Number 0761345-75017-2
Perfect size for traveling
Two speed switches enabling choosing between max cooling or min noise
Low power consumption doesn't take up battery. No power adapter needed
2 Quiet Fans

Laptops Deals
g: 0 Posted By: heyyl0w
Views: 179 Replies: 0 Newegg has the Sapphire Radeon HD 7870 GHz Edition 2GB GDDR5 CrossFireX Video Cardfor $159.99 after rebate with free shipping. Positive reviews. Did very well here for a little more a few weeks ago.

1280 Stream Processors
2GB 256-Bit GDDR5
PCI Express 3.0 x16
The new SAPPHIRE HD 7800 series of graphics cards is based on the third family of GPU's from AMD built in its new 28nm process and featuring the highly acclaimed GCN graphics processing architecture.
HDMI (with 3D)
DisplayPort 1.2
Advanced GDDR5 Memory Technology
AMD Stream Technology
AMD Avivo HD (DVD/HD-DVD/Blu-ray Playback)
AMD CrossFireX Multi-GPU Technology
AMD HD3D Technology
Best Microsoft DirectX11 Support
AMD Eyefinity 2.0
Dolby TrueHD and DTSHD Master Audio Support

Video Cards Deals

Newegg Coupons
Free Perfect Effects 8 Premium Edition - Worth $99.95
Added on : Thursday January 23rd 2014 04:00:09 AM
g: 8 Posted By: freeusd
Views: 755 Replies: 3 Get the NEW Perfect Effects 8 Premium Edition for FREE ($99.95 value)

Expires JAN. 28, 2014

http://www.ononesoftware.com/landing/pe8offer/

Special Offer for select onOne email subscribers

Through January 28, 2014, we're inviting a select few to download the all-new Perfect Effects 8 Premium Edition at no cost! ($99.95 value) With a re-engineered effects engine, an extensive library of one-click presets, adjustable filters, and powerful controls, Perfect Effects 8 makes it easy to bring out the best in your images.
Software Deals
Free Perfect Effects 8 Premium Edition - Worth $99.95
Added on : Thursday January 23rd 2014 12:00:11 AM
g: 1 Posted By: freeusd
Views: 125 Replies: 0 Get the NEW Perfect Effects 8 Premium Edition for FREE ($99.95 value)

Expires JAN. 28, 2014

http://www.ononesoftware.com/landing/pe8offer/

Special Offer for select onOne email subscribers

Through January 28, 2014, we're inviting a select few to download the all-new Perfect Effects 8 Premium Edition at no cost! ($99.95 value) With a re-engineered effects engine, an extensive library of one-click presets, adjustable filters, and powerful controls, Perfect Effects 8 makes it easy to bring out the best in your images.
Totally Free Deals
Former Employer Requesting Another W-9 Form Filled Out
Added on : Wednesday January 22nd 2014 06:00:06 PM
g: 0 Posted By: mdpom
Views: 90 Replies: 1 I worked for a company as a tutor in the earlier half of 2013, but I quit shortly after because of the shady behavior (last minute, unorganized tutoring arrangements). I filled out a W-9 with them when I started, but now they are requesting another one, saying they need to report the income.

I'm not arguing about the income being reported, but I already filled one out. If they aren't using that for taxes, why did I fill it out? Is it the norm to request a W-9 at the start of employment and the start of the year? Is there any danger or any illegal things they can do with me filling out another W-9 with them?

I hope this is not a weird question. I just don't understand why they would need another W-9 if I only worked with them for a few months in 2013 and cut ties. I tutor with another company (for a different test) for years now, and fill a W-9 only at the start of another year with them, and never had to fill one out twice for one year.
Tax Deals
g: 0 Posted By: jamescarmona
Views: 171 Replies: 0 Now buy at $2.79 was $45.00

http://www.lids.com/NFL/Super-Bowl-XLVII/20455302?AID=10444060&P...

Few Details:
Style: 20455302
Color: Navy
Made of 100% Cotton, Knit
T-Shirts
Screen Print Brand on Front Middle
Clothing Deals

Lids.com Coupons
Citi ThankYou Rewards Bonus Center Closes
Added on : Wednesday January 22nd 2014 05:00:06 PM
g: 0 Posted By: Medikit
Views: 160 Replies: 0 https://www.thankyou.com/offersPoints.jspx
Citibank said: It has been our pleasure providing you with additional ways to earn ThankYou Points through the Bonus Center. Due to limited usage, we have made the decision to close the Bonus Center program. ThankYou Rewards will continue to focus our efforts on delivering the best rewards program experience, while developing new and exciting ways for our Members to use their points. All points earned from purchases made through the Bonus Center will be distributed to your account by April 30, 2014.

This is referring to the Bonus Center where you could earn additional points by navigating to a listed website via their homepage. This is unfortunate, they had a few good offers every year.
Discussion Deals
g: 1 Posted By: dogmeat
Views: 372 Replies: 0 It's back......in stock. I will bet it will go OOS quickly.Stack-On 10 Gun Double Door Security Cabinet, Hunter Green at Wal mart for $199, plus $10 shipping to home.
Link

This was posted a couple of months ago, and again a few weeks ago,but quickly went out of stock. It's back in stock now. This is not a 'safe', but more of a robust metal cabinet. The black model is $299. Best prices I can from other sites are over $300 when you include shipping and some closer to $400. I suspect this will go out of stock quickly.

PS-I got one. Took a while to get here, but it was $10 to ship it common carrier from Arkansas to Washington and it got here in prefect shape. Nice fit and finish on the cabinet. A little bit of a pain to mount the four shelves. Highly recommended IF you don't feel you need a real safe. Don't buy this if you don't understand the difference.
Furniture Deals

Walmart Coupons
Evolve Money Billpay: Use debit card to pay billers
Added on : Wednesday January 22nd 2014 01:00:13 PM
g: 0 Posted By: larryc
Views: 226 Replies: 2 Just came across this: Evolve Moneyis a free bill paying service that lets you use the following to pay over 10,000 billers that don't normally accept credit/debit cards:

Visa or MC Debit cards
Visa or MC Gift Cards
Reloadit cards
Evolve Paybucks


Billers seem to include common utilities (electric, gas, water, cable, etc), mortgages, loans, and insurance co's. No, before you ask, you can't use it to pay other credit cards. (Darn!)

If you have a debit card that gives CashBack, this seems like a great opportunity to earn Cash Back that otherwise wouldn't be available. Also seems like a nice way to cash out those rebate gift cards for small amounts.

Couple of negatives though:
- I don't see any way to schedule future payments. You pay a bill; they send it in two days (a few billers offer express pay, which is same day). But there's no way to schedule
- After the recent Target data breach, we should all be wary of sharing our debit card information. Think carefully about which (if any) debit card you want to share with this service

PR release here.


Discussion Deals
Maurices: Extra 75% Off Final Clearance Items
Added on : Wednesday January 22nd 2014 11:00:05 AM
g: 0 Posted By: chapmanra2013
Views: 256 Replies: 0 maurices is offering an Extra 75% Off Final Clearance Items . Discount applied in cart. Shipping is a flat-rate of $6.95 or FREE on $50 orders with the promo code SLEEP2013 at checkout.

A few nice items:

Gold-colored high-low Textured Shimmer Chiffon Top- $6.25
High-low Chiffon Studded Collar Top- $6.25

Clothing Deals

maurices Coupons
Question on Contract for Deed
Added on : Wednesday January 22nd 2014 08:00:11 AM
g: 0 Posted By: snnistle
Views: 117 Replies: 0 Trying to help my grandfather and hope I can get some good advice from you guys...

SITUATION: He sold a small house to a friend a few years ago (contract for deed) and verbally agreed that he would not initiate any legal action if the purchaser defaulted on payments or if there were any other actions that constituted a breach of the contract. (Understand that his word is as good as a signed contract.) Now, the original purchaser purchased another home, moved out of the house she is purchasing from my grandfather, and she hasn't made payments to my grandfather, hasn't paid water/sewer, has no insurance on the house, and has let it fall into disrepair (including frozen/busted water pipes). The original purchaser recently told my grandfather that as part of the purchase of her new home the person who she bought the new home from has agreed to make payments to my grandfather (I'll refer to him as the new purchaser). The original purchaser says she had a lawyer help her and papers have been filed. First, is what the original purchaser did legal? Second, my grandfather has accepted payments from the new purchaser, but he also does not have insurance on the house. Since he has accepted payments from the new purchaser, does that constitute tacit approval of what the original and new purchaser have done? If what the original and new purchaser have done is legal, I think my grandfather would have no problem taking legal action against the new purchaser, so I kind of hope what they did is legal. Second, is there anything that my grandfather can do to be compensated for the damage to the house without taking legal action against the original purchaser?

ADDITIONAL DETAILS: This is in the state of Minnesota. The balance due to my grandfather is around $17,000. The original purchase price was around $28,000. (The house is small and in an economically depressed area, thus the low costs.)

I hope this explanation is somewhat understandable. I would appreciate any advice and input I can get, because my grandparents are in their 80's and I'd like to help them resolve this situation ASAP. Thanks.
Personal Finance Deals
Graphic Tees BOGO 50% Off @ Wet Seal
Added on : Wednesday January 22nd 2014 05:00:05 AM
g: 0 Posted By: ksenn
Views: 165 Replies: 0 Wet Seal is having a Buy One Graphic Tee, Get One 50% OffSale. Free shipping on orders over $50.

A few favorites:
Lion King Heart Sweatshirt - $24.90
Rolling Stones Crop Tank - $21.90
Elephants Mineral Washed Tank - $18.90


Clothing Deals

Wet Seal Coupons
Comforter Sets (4-pc.) from $39.98 Shipped at Anna's Linens
Added on : Tuesday January 21st 2014 05:00:03 PM
g: 0 Posted By: jessicadabears
Views: 296 Replies: 0 Comforter Sets (4-pc.)from $39.98Shipped at Anna's Linens.

A Few Notables:

Botanica Blue (4-pc.) Reversible Comforter Set for $29.99(Pictured)

Miramar Lime (4-pc.) Reversible Comforter Set for $29.99(Pictured)

Lydia Blue/Brown (4-pc.) Comforter Set for $29.99(Pictured)
Bedding Deals

Banana Republic CA Coupons
Effective Tax Rates: 2013 Edition
Added on : Tuesday January 21st 2014 04:00:07 PM
g: 0 Posted By: jd2010
Views: 6 Replies: 0 Its time for everyone's favorite brag/bitch fest continued from past years like here.

Was doing my taxes over the weekend and hadn't seen one of these yet for this year. Feel free to contribute as you work towards completing them over next few weeks/months.

Marital: Single
Kids: 0
House: 0
Deductions: Standard + 3k Cap. Loss Carryforward
Marginal Rate: 28%
Federal Eff. Rate: 18.1%
State Eff. Rate: 3.6%

I need to start pooping out some kids or buy a house I can't afford
g: 0 Posted By: jessicadabears
Views: 0 Replies: 0 Comforter Sets (4-pc.) from $39.98 (Was $200.00) Shipped at Anna's Linens.

A Few Notables:

Botanica Blue 4 Piece Reversible Comforter Set for $29.99(Pictured)

Miramar Lime 4 Piece Reversible Comforter Set for $29.99(Pictured)

Lydia Blue/Brown 4 Piece Comforter Set for $29.99(Pictured)
g: 0 Posted By: wadafak
Views: 317 Replies: 0 On my coupon center at safeway.com, 6 coupons are available for a Buy $30.00 or more, save $5.00 instantly on gift cards for the following stores:

Fandango
JC Penney
Domino's
Red Robin
Applebee's
Regal Cinemas
Grocery Deals

Safeway Coupons
Citibank $500 bonus
Added on : Tuesday January 21st 2014 11:00:13 AM
g: 0 Posted By: crazytexan
Views: 210 Replies: 2 Sorry if this has already been posted, I couldn't find it. I was told about it this morning.

https://banking.citibank.com/cbol/14/checking/q1/aquisition/defa...

The 50k is rediculous , but if they hold off on fees for a few months like Chase, it would be worth it for $250. Also, it sounds like they don't send you a 1099, which is odd for a bank. It's in the fine print. I'd still report it though.
Deposits Deals
Nashbar: Extra 25% Off Sale Items
Added on : Tuesday January 21st 2014 06:00:03 AM
g: 0 Posted By: chapmanra2013
Views: 78 Replies: 0 nashbar is offering an Extra 25% Off Sale Items with prices starting at 2.62 after discount. Extra 25% off will apply in cart. Shipping starts at $5.99.

A few items:

Nashbar Steel Bike Rack - $52.49 + $18.99 shipping = $71.48
Nashbar Baxter Cold Weather Gloves - $14.99 + $5.99 shipping = $20.98
Nashbar Flow Mountain Bike Tire - $13.49 + $5.99 = $19.48


Free Shipping Sitewide @ Tanga
Added on : Tuesday January 21st 2014 05:00:05 AM
g: 0 Posted By: ksenn
Views: 99 Replies: 0 Tanga has free shipping sitewidewith coupon code FREEBIESHIP.

A few deals that could be used to take advantage of this:
3-pr. Sterling Silver Hoop Earrings - $5.99
Gillette 16-pk. Mach3 Razor Blade Refill Cartridges - $26.99
iPhone 5 Lightning Charging/Sync Dock - $4.99
3-pk. Glow-in-the-Dark Duct Tape - $4.99
Home & Garden Deals

Tanga Coupons
DEWALT DCK592L2 20V MAX Premium 5-Tool Combo Kit $479.2 Free S/H
Added on : Monday January 20th 2014 06:00:07 PM
g: 0 Posted By: morrisng
Views: 224 Replies: 0 Amazon.com hasDEWALT DCK592L2 20V MAX Premium 5-Tool Combo Kit for $479.20. I have been looking to buy this but the lowest I saw in the past was $579+ in the last few months. Free 2-day shipping if you are Amazon Prime member.

Here is the link:Linky

If you prefer to buy from Home Depot, they also have this for the same price:Home Depot Linky

Tools Deals

Amazon Coupons
​Star Trek Uniform Ladies' Cycle Jersey for $29.99
Added on : Monday January 20th 2014 05:00:04 PM
g: 0 Posted By: Deals4mykids
Views: 122 Replies: 0 Star Trek Uniform Ladies' Cycle Jersey for $29.99

Save $50

http://www.thinkgeek.com/product/f256/

When it was clear that Kirk was losing his physical edge, his crew got some money together and bought him a bike. Every now and then, when they were docked for repairs or just to stretch their legs, they made their Captain work up a sweat. After a year or so, Kirk got into great shape and challenged the remainder of his crew to a race. But, when they found out he asked Scotty to beam him a few miles ahead, well, that's when the fight music started.

When you're on shore leave, trade in your warp nacelles for two wheels, and hit the dusty streets and trails of planet Earth. Our new bicycle Jersey is made of space-age ultra-dry micro fiber, which wicks away moisture and repels odor.
Clothing Deals

ThinkGeek Coupons
Men's Warehouse: Sale of the Season w/ BOGO Free
Added on : Monday January 20th 2014 10:00:06 AM
g: 0 Posted By: chapmanra2013
Views: 288 Replies: 0 Men's Warehouse is having their Sale of the Seasonwith free shipping on orders of $99. They are offering Buy One Get One Free on selected suits, sports coats, sportswear, pants, dress shirts, casual shirts & accessories plus 50% off additional items. Today is the last day for the sale.

A few items with BOGO Free:

Kenneth Cole Reaction Gray Modern Fit Suit- $399.99
Pronto Blue Classic Fit Cargo Shorts (Brown)- $29.99
Calvin Klein Cornflower Blue Slim Fit Dress Shirt- $89.50
Egara Blue and Brown Plaid Slim Fit Sport Shirt- $89.99
Calvin Klein Purple and Gray Diamond Tie- $19.99

Clothing Deals
g: 2 Posted By: chapmanra2013
Views: 446 Replies: 1 Meritline has the Logitech Wireless Touchpad (Mu910-002345) (Refurbished)on sale for $18.99 - $3 coupon code "MLCKQ20XNL1" = $15.99 with free shipping.

Features:

Surf with ease
One-finger control
Two-finger scrolling
Three-finger swipe
Four-finger swipe
Large touch surface
Large touch surface
Clutter-free wireless device
Logitech Unifying receiver
Advanced 2.4 GHz wireless
Fewer battery hassles

Keyboard & Mouse Deals

Meritline.com Coupons
g: 1 Posted By: chapmanra2013
Views: 166 Replies: 0 Meritline has the Logitech Wireless Touchpad (Mu910-002345) (Refurbished)on sale for $18.99 - $3 coupon code "MLCKQ20XNL1" = $15.99 with free shipping.

Features:

Surf with ease
One-finger control
Two-finger scrolling
Three-finger swipe
Four-finger swipe
Large touch surface
Large touch surface
Clutter-free wireless device
Logitech Unifying receiver
Advanced 2.4 GHz wireless
Fewer battery hassles

Keyboard & Mouse Deals

Meritline.com Coupons
Save Up To 70% On Clothing + Work Wear at Northern Tool
Added on : Monday January 20th 2014 03:00:02 AM
g: 0 Posted By: Brew
Views: 115 Replies: 0 Northern Tool is having a sale on clothing and outer wear. Here is the link to their clothing,

http://www.northerntool.com/shop/tools/category_clothing-work-we...

Here are a few examples,

Walls Reversible Camo/Brown Shirt Jacket Normally $50, now $19.00

http://www.northerntool.com/shop/tools/product_200583437_2005834...

Carhartt Long Sleeve Chambray Shirt-Mahogany Normally $35, now $14

http://www.northerntool.com/shop/tools/product_200590986_2005909...

There are quite a few more, sizes might be limited.




Clothing Deals

Northern Tool Coupons
How should I report this income on my tax return?
Added on : Sunday January 19th 2014 05:00:13 PM
g: 0 Posted By: MisterEd
Views: 152 Replies: 2 Please, not looking for morality lectures or "why did I accept it" lectures, or "why didn't I quit" lectures all I want to find out is how to report this income properly.

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

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

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

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



Tax Deals
Rite Aid 1/19 - 1/25
Added on : Sunday January 19th 2014 10:00:06 AM
g: 0 Posted By: melachri
Views: 52 Replies: 1 Didn't see a thread for this week yet, so I'll start one.

Biggest deal for me was the Post Great Grains cereal (because my wife LOVES this stuff) 2/$6 - $2 +Up nets $2 per box even without coupons (couldn't find any). Bought 4 and was surprised with an unadvertised catalina for a free gallon of milk (up to $4). And got $12 towards +Up RG.

Also a good deal is Physician's Formula cosmetics buy $15 - $10 +Up. Couldn't find any current coupons.

And Mennen Speed Stick (and Ladies) 2.99 - 1 +Up. Use the B1G1 in today's SS, plus a $1.50 catalina from a few weeks ago (exp 7 Feb). $0.51 MM plus $5.98 towards +Up RGs.

Nothing else that really excited me, though.
Grocery Deals
Points cards vs CashBack cards
Added on : Sunday January 19th 2014 08:00:10 AM
g: 0 Posted By: Treefarn
Views: 108 Replies: 2 I am wondering what the advantage is of Points Cards over CashBack cards. If you are a 'regular' flyer, do you end up getting more % off using points rather than CashBack? The reason I ask....

Since I met 17 years ago, I have been on an airplane once because she doesn't like flying. So while I have a lot of 'CashBack' cards (the 5% rotating ones & Amex Blue), I only have one card that will give me any kind of points towards airlines or travel, the Capital One Venture card. Knowing I would have to travel in the next year, I got this card last month for all those purchases that don't fall into one of the rotating categories, since it would give me 2% on the 'other', rather than the 1% on my Amex and BOA cards. But I know NOTHING about points/mileage cards - never researched them because there seemed to be little point.

We just found out that in late August we will have to fly to California. I will need to purchase 3 tickets from Philly to SF (or nearby) So, my question, is it worth getting another card at this point that might give me more of a discount, or is it too late, knowing I will have to buy my tickets within the next few months anyway. I'm just not sure where to start.
Personal Finance Deals
g: 0 Posted By: remick
Views: 200 Replies: 0 http://www.amazon.com/gp/product/B00HG2S6GA

4.8 out of 5 stars (5 customer reviews)

Nothing is more valuable than your reputation. Yet the Internet can destroy your reputation in an instant. And there is NOTHING you can do about it. Or is there?
The fact is you can FIX your online reputation using a few simple strategies.
You do NOT need a professional Reputation Management Service who will charge you as much as $5,000 to $10,000 per month.
Save time, save money, and Manage Your Online Reputation and repair your online rreputation when you use these PROVEN do-it-yourself Reputation Management techniques.
You dont need to be an Internet Whiz.
ANYONE can manage their online reputation NOW using the checklist and easy to follow steps that I detail in my new book: Do-It-Yourself Online Reputation Management Workbook."
You can use these same Internet techniques to enhance your reputation online.
Learn everything you need to know to expertly manage your online reputation in a step-by-step easy to read and easy to follow workbook format.
Books Deals

Amazon Coupons
where to get money for downpayment.. 401k or Stock
Added on : Sunday January 19th 2014 01:00:04 AM
g: 0 Posted By: mrrino002
Views: 18 Replies: 0 I'm in the process of purchasing a home... I have a few options that I've been thinking about... First I need $25,000 dollars for a downpayment... I have roughly 75k in my 401k and 100k in company stock that pays a decent dividend and offers ownership incentives during bonus time... I'm 33 years old and have roughly 24 years of working, if everything goes smooth... My question is do I take a hardship loan of the 25k from my 401k, repaying it back over 15 years through a payment plan through payroll deduction, with 4.25% that I repay to myself. Or do I sell the stock, pay the capital gains tax, lose the dividend and ownership incentives, but don't have to worry about a repayment coming out my paycheck?

I was leaning more towards borrowing against my 401k cause you could only borrow from there during a few things and first time home purchase is one... If anything were to happen.. I could always sell the stock and repay the 401k loan..


the other question is... 25K is only 10% of the mortgage loan.. so Im paying PMI insurance of roughly $85 dollars a month for minimum of 3-5 years.. or do I put 50k down, dont have a pmi, but again lose a lot of my life savings and lose out on the dividends and ownership incentives plus the capital gains taxes?.. but have no pmi and $200 dollars less a month mortgage payment?

thanks any help would be great
Personal Finance Deals
Beats By Dre Earbud running headphones
Added on : Saturday January 18th 2014 03:00:03 PM
g: 1 Posted By: SAGAFTRA
Views: 263 Replies: 1 Link
I just ran across this deal, only a few hours left. Retail $150 Now: $59.99

~~Ends 1/8 at 9PM PT. 1Sale has the Beats by Dre Powerbeats Earbud Running Headphones, OEM (Red, or White) for $60 with free shipping. Normally $150. Made for athletes with flexible ear clips, sweat-resistant materials, and designed to let in some ambient noise.
Headphones & Speakers Deals

1Sale.com Coupons
ChordBuddy Guitar Learning System and Practice Aid - $36.99 Prime
Added on : Saturday January 18th 2014 03:00:02 PM
g: 0 Posted By: ChiefBrody
Views: 1 Replies: 0 Pretty cool device. Play songs in a few days. Rarely goes on sale.

BaBaBlinko

It gets you playing from day one.
It allows you to progress faster, without seeming like work or learning at all.
It's a proven, effective, all-in-one system, suitable for all ages.
Instruction Book and Companion DVD with a 2 Month Lesson Plan. ChordBuddy Songbook with over 100 Songs
Works on acoustic and electric guitars. The ChordBuddy currently does not work on left-handed guitars, nor does it work on Classical or half-sized (Children's) guitars
Questions on college major & future career
Added on : Saturday January 18th 2014 09:00:07 AM
g: 0 Posted By: floridagators2014
Views: 30 Replies: 0 I am in my mid-20s -- getting a late start on college & life for family reasons. I started taking some classes at a local community college last year to earn my AA, and hope to transfer to a 4-year university nest year -- hoping University of Florida.

I have talked to several "academic advisors" at my college, but don't really think they seem to be knowledgeable about the real world. I am also the first to go to college in my family, so asking them for advice is not a possibility either.

My questions is: What major puts me in the best position to have a good career? I know that a job is not guaranteed no matter your major, but I want to give myself the best possible chances. I don't need to be rich, but want to be comfortable -- don't want to live paycheck to paycheck ever. I am also going to more than likely need to support my mother -- and possibly brother as well -- in 10 or so years.

I am good at math and interested in computers. I was thinking about computer engineering or computer science. Possibly double majoring/minoring in math. I looked at nursing, but know that I would be miserable doing that for the rest of my life -- I am pretty introverted.

I have been following FWF for a few years, and there seems to be a lot of knowledge people on this board. I appreciate any advice I get! Thanks everyone in advance.
Personal Finance Deals
Exclusive Sale - 10$ for 2 Subscriptions @ DiscountMags.com
Added on : Saturday January 18th 2014 02:00:03 AM
g: 0 Posted By: Xenocrates
Views: 288 Replies: 0 Exclusive Sale - 10$ for 2 Subscriptions @ DiscountMags.com
Free Shipping! 2 subscriptions for $10 with a large selection of popular magazines and each subscription after the initial 2 is just $3.99 each.Just a few examplesCar and DriverWIredGood HousekeepingGlamourGQPopular Photography   (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Books & Magazines Deals

DiscountMags.com Coupons
AT&T UVerse Internet 18 Mbps download for $28/mo
Added on : Friday January 17th 2014 08:00:03 PM
g: 1 Posted By: icantiwont
Views: 120 Replies: 1 I am a currently AT&T UVerse Internet only subscriber w/ an AT&T landline (non-UVerse). I currently have their 12 Mbps download package with a promo ($19 off) bring my monthly price to $32/month. My promo was about to expire, so I gave them a call to see if they had any other promo available. The first rep. that I spoke with tried to up sale me with UVerse TV, but I told him I didn't watch much tv, so after a few minutes he transferred me to the Customer Retention Department. CSR #2 told me that they could offer me the same package after my current promo expires, but for $36/mo. I balked at it and after a brief silence, she volunteered that if I upgrade to their 18 Mbps download package they could offer me the package at $28/mo. Apparently, to go from the 12 Mbps package to the 18 Mbps package I will need a new modem, which she stated would be for free and a technician would come out and install it. The term is for for 12 months. Seems like a good deal to me, because I will be saving $4/mo and getting 50% faster download speed. I called 1-800-288-2020.
Hidden City Flying
Added on : Friday January 17th 2014 02:00:07 PM
g: 0 Posted By: blackjackii
Views: 17 Replies: 0 Learned about this tactic through FW a few years ago and successfully tried it on a trip to Las Vegas. Getting ready to try it on SW out to LA and wanted to see if anyone has done it lately. Is HC flying still allowed and what is the reaction from any airline employees you've encountered?

Thanks for the help!
Air Travel Deals
Free Religious Kindle Book- Giants: Sons of the Gods
Added on : Friday January 17th 2014 10:00:12 AM
g: 0 Posted By: remick
Views: 287 Replies: 1 http://www.amazon.com/Giants-Sons-Douglas-Van-Dorn-ebook/dp/B00B...

4.9 out of 5 stars (51 customer reviews)

Goliath. You know the story. But why is it in the Bible? Is it just to give us a little moral pick-me-up as we seek to emulate a small shepherd boy who defeated a giant? Have you ever wondered where Goliath came from? Did you know he had brothers, one with 24 fingers and toes? Did you know their ancestry is steeped in unimaginable horror?

Genesis 6. The nephilim. The first few verses of this chapter have long been the speculation of supernatural events that produced demigods and a flood that God used to destroy the whole world. The whole world remembers them. Once upon a time, all Christians knew them. But for many centuries this view was mocked, though it was the only known view at the time of the writing of the New Testament. Today, it is making a resurgence among Bible-believing scholars, and for good reason. The nephilim were on the earth in those days, and also afterward...

This book delves deep into the dark and ancient recesses of our past to bring you rich treasures long buried. It is a carefully researched, heavily footnoted, and selectively illustrated story of the giants of the Bible. There is more here than meets the eye, much more. Here you will learn the invisible, supernatural storyline of the Bible that is always just beneath the surface, lurking like the spawn of the ancient leviathan. It is a storyline no person can afford to ignore any longer.
Totally Free Deals
TDK Life On Record A33 Bluetooth Speaker - $120 free shipping
Added on : Friday January 17th 2014 10:00:03 AM
g: 0 Posted By: nwrain
Views: 164 Replies: 0 Portable, weatherproof, rechargeable, and great sound. A Consumer Reports Best Buy. Next lowest price I could find is ~ $142.

http://www.pcrichard.com/TDK/T-D-K-A33-Weatherproof-Wireless-Spe...

After spending a few hours researching and listening to over a dozen different portable, battery powered speakers I've found that to my ears the TDK A33 has by far the best sound for the money. It sounds superior to much larger, more expensive speakers such as the Big Jambox and the Bose Soundlinks. Note:The web page is incorrect regarding the battery type. The A33 actually has a NiMH battery rather than the Li-ion pack shown in the PC Richard specs.




Headphones & Speakers Deals

PC Richard & Son Coupons
g: 0 Posted By: linrick
Views: 225 Replies: 0 If you already a member, you'll see the sale when you sign in. As for those who have just signed up a few days ago or just now sign up, YMMV on seeing the sale.

Clearance are 70% but be sure to check the entire site because some are already discounted and marked additional 50% off. You'll also get an additional 10% off total purchase. Prices are as marked.

Free shipping with $150+ purchase.

Hurry, few are already sold out. Sale ends Monday.

linkymoo
Purse Deals
Free Kindle Book- Giants: Sons of the Gods
Added on : Friday January 17th 2014 08:00:16 AM
g: 0 Posted By: remick
Views: 86 Replies: 0 http://www.amazon.com/Giants-Sons-Douglas-Van-Dorn-ebook/dp/B00B...

4.9 out of 5 stars (51 customer reviews)

Goliath. You know the story. But why is it in the Bible? Is it just to give us a little moral pick-me-up as we seek to emulate a small shepherd boy who defeated a giant? Have you ever wondered where Goliath came from? Did you know he had brothers, one with 24 fingers and toes? Did you know their ancestry is steeped in unimaginable horror?

Genesis 6. The nephilim. The first few verses of this chapter have long been the speculation of supernatural events that produced demigods and a flood that God used to destroy the whole world. The whole world remembers them. Once upon a time, all Christians knew them. But for many centuries this view was mocked, though it was the only known view at the time of the writing of the New Testament. Today, it is making a resurgence among Bible-believing scholars, and for good reason. The nephilim were on the earth in those days, and also afterward...

This book delves deep into the dark and ancient recesses of our past to bring you rich treasures long buried. It is a carefully researched, heavily footnoted, and selectively illustrated story of the giants of the Bible. There is more here than meets the eye, much more. Here you will learn the invisible, supernatural storyline of the Bible that is always just beneath the surface, lurking like the spawn of the ancient leviathan. It is a storyline no person can afford to ignore any longer.
Totally Free Deals
g: 0 Posted By: MISTERCHEAP
Views: 63 Replies: 0 https://docs.google.com/document/d/1zixZpKiYqkBQvQAGe7db16vT1Zli...

Thanks naturemade/1DollarOrLess sdThanks didie @wuc for typeups

ECB DEALS
$10 ECB wyb Estroven 28-40 ct. or i-cool 30 ct. $10 Limit 1Free

$5 ECB wys $20 OR $10 ECB wys $30 on the items listed: Limit $10*98% rule does not apply
Tide liquid 19-32 loads $5.94
Charmin Ultra Soft or Ultra Strong Bonus size 20 pk. $9.99
Bounty paper towels 12 pk. $9.99
Dawn 9 oz, Puffs pop-up 96 ct. or Puffs Plus tissues 48-68 ct. $0.99
Duracell alkaline AAA, AA pk., C, D 4pk., 9-volt 2 pk. or Quantum AAA, AA 6 pk. $5.99
ALL CoverGirl Cosmetics (excludes clearance items) (BOGO 50% OFF)
Pantene shampoo, conditioner 12.6 oz or styler 5.7-11.5 oz 2/$7
Select Secret, Old Spice or Gillette apdo (BOGO 50% OFF)
Herbal Essences or Aussie 10.1-13.5 oz or styler 6-14 oz (excludes Herbal Shine collection) 2/$6
Clairol Nice'n Easy, Root Touch Up or Natural Instincts hair color 2/$12
Gillette Fusion ProGlide razor 1 ct. or Fusion disposables $9.99
ALL Pampers Jumbo Pk. $8.99
Coke 2 liter bottle $0.99

$3 ECB wys $10 on the products listed: Limit 1
Hellmann's mayonnaise 22-30 oz 2/$6
Bertolli or Ragu pasta sauce 15-24 oz 3/$5
Lipton tea 10-100 ct. 2/$6

$3 ECB wys $10 on the listed listed: Limit 1
Maxwell House Master Blend Original, Wake Up or French Roast coffee 29.3-30.6 oz $6.99
Maxwell House instant coffee 8 oz $3.99, Maxwell House instant decaf coffee 8 oz $4.99
Kraft mac & cheese, Velveeta Skillets 9-14 oz, Hidden Valley or Kraft dressing 16 oz 2/$5
Lipton tea or Maxwell House coffee single serve cups 12 ct. $5.99

$5 ECB wys $20 OR $10 ECB wys $30 on these items: Limit $10*98% rule does not apply
Planters peanuts 16 oz 2/$6
Doritos 10-11 oz oz (excludes Baked) or Tostitos 9-13 oz 2/$5
Pepsi 12 oz cans 12 pk. 3/$11
Lipton tea 20 oz, Gatorade 32 oz or Sobe lifewater 20 oz 5/$5
Rockstar 12-16 oz, Starbucks Frappuccino 9.5 oz, DoubleShot 6.5 oz, Refreshers or Iced Coffee 11-12 oz $1.99
Starbucks Frappuccino or DoubleShot 4 pk. 2/$10
Pringles 5.64-6.75 oz, Chex Mix, Gardetto's or Combos 5.5-8.75 oz $1.49
Red Bull energy drink 4 pk. 2/$12
Kickstart 16 oz $0.99
Mars Chocolate King Size 1.77-3.63 oz or Godiva bar 1.5 oz 2/$3
Mars Chocolate Fun Size 6 pk. 3/$3
Mars Chocolate Singles 1.08-1.92 oz $0.79
Dove Promises 8.5-9.5 oz, Mars Minis, Snickers Fun Size or M&M's 9.9-12.6 oz 2/$6
Mars Chocolate pouches 6-8 oz 2/$5
5 Gum 3 pk. 2/$5
Orbit gum 14 ct. $0.99
Hershey's pouches 8-10.5 oz, Kit Kat or Reese's Snack size 10.5-10.78 oz 2/$6
Oreo, Lorna Doone 10-15.35 oz, Belvita 8.8 oz, Chips Ahoy or Nilla Wafers 9.5-13 oz 2/$6

$1 ECB wyb (3) Hershey's Valentine Kisses or miniatures 8-8.5 oz 3/$8 Limit 1

$3 ECB wys $10 on ANY American Greetings products Limit 1
My Valentine Bear $5.99 or 2/$10

$5 ECB wyb PayPal MasterCard or netSpend Visa reloadable PrePaid Debit Card Limit 1

$5 ECB wyb (2) Enfamil, Similac or Gerber Good Start 21-.5-23.2 oz (excludes Almentum, Nutramigen or Prosebee) $24.99 Limit 1

$5 ECB wys $15 on ANY L'Oreal Cosmetics (excludes clearance items) Limit 1

$5 ECB wys $15 on ANY Physicians Formula Cosmetics (excludes clearance items) Limit 1

$5 ECB wys $15 on ANY Maybelline Cosmetics (excludes clearance items) Limit 1

$5 ECB wys $15 on ANY Dove, Caress or Lever products listed:Limit 1
Dove Advanced Care apdo 2.6 oz 2/$10
Dove Body Wash 12-24 oz, cream oil lotion 13.5 oz, shampoo, conditioner 12 oz, styler 7-9.25 oz, Dove, Caress, Lever bar 6-8 pk or Caress body wash 12 oz

$1 ECB wyb (2) Select Right Guard Body Wash or Deodorant 2/$6 Limit 1

$3 ECB wys $10 on ANY Nivea products: Limit 1
Nivea body wash 16.9 oz or scrub 12 oz $4
Nivea lotion 16.9 oz or creme 6.8 oz (excludes good-bye cellulite and firming Q10)

$4 ECB wys $12 on ANY Suave products: Limit 1
Select body lotion 10-18 oz 2/$6 (other items I can't read, will update later)
Suave body wash 12 oz 2/$4

$2 ECB wyb (2) Dial, Tone body wash 16-18 oz or Dial bar 8 pk. 2/$8 Limit 1

$4 ECB wys $10 on ANY CVS Shaving items (excludes clearance items) Limit 1

$3 ECB wyb ANY Schick Cartridges (excludes clearance items) Limit 1

$4 ECB wyb (3) Axe shower gel 18 oz, body spray, apdo (excludes travel sizes), ALL Axe shampoo or Conditioner 3/$13 Limit 1

$10 ECB wys $30 on Pantene Expert, Fekkai or Toni & Guy (excludes clearance items) Limit 1

$5 ECB wys $15 on these items: Limit 1
TRESemme Premium 25 oz, treatments or Dove Advanced Care 2/$10
TRESemme 32 oz or styler 8-11 oz (excludes 25 oz) $4

$10 ECB wyb ANY Crest 3D Whitestrips (excludes clearance items) Limit 2

$5 ECB wys $10 on ANY Listerine, Reach or Rembrandt items (excludes clearance items) Limit 2

$2 ECB wyb Colgate Total 4-4.2 oz or 360 toothbrush $2.99 Limit 2

$2.25 ECB wyb Crest Tartar Protection 16.9-33.8 oz, Pro-Health 500ml or Clinical rinse 16 oz $3.99 Limit 2

$2.50 ECB wyb Crest 3D White Brilliance, Sensi Relief or Crest Be toothpaste $3.99 Limit 2

$5 ECB wyb Colgate Optic White toothbrush+built-in whitening pen $14.99 Limit 2

$3 ECB wyb (2) of the products listed: Limit 1
Advil 50 ct., PM 20 ct., Children's Advil 24 ct., liquid 4 oz or infants 0.5 oz $4.99
ThermaCare heat or cold wraps (excludes heat 1 ct.) (BOGO 50% OFF)
Centrum adults 100 ct., kids 80 ct., Silver 65-80 ct. or Caltrate 60 ct. $6.99
Dimetapp 4 oz, Robitussin 20 ct., liquid 4 oz, Advil Congestion Relief, Allergy & Congestion Relief 10 ct. or Cold & Sinus 20 ct. $4.95

$5 ECB wys $20 OR $10 ECB wys $30 on the items listed: Limit $10*98% rules does not apply
Cheerios 11.25-14 oz 2/$5
Gold Emblem almonds 16 oz or pistachios 5-12 oz $4.99
ALL CVS Co Q-10, Fish Oil or Red Yeast Rice (BOGO)
CVS Aspirin 100-1,000 ct. (BOGO 50% OFF)
Bayer aspirin 40-300 ct. (BOGO 50% OFF)
Meta-mucil 114 doses, packets 44 ct. or capsules 120-160 ct. $15.99
Select CVS Blood Pressure Monitors or Pulse Oximeter - Save $10
OneTouch Verio IQ glucose monitoring system - Save $5
Omron 7 series upper arm blood pressure monitor $64.99
Select CVS Home Diagnostic items (excludes blood pressure & blood glucose monitors) (BOGO 50% OFF)

BOGO DEALS
Lay's chips 9.5-10 oz (excludes Baked)
Valentine M&M's, Mars Valentine Minis or Dove Chocolate hearts 7.94-12.6 oz
Cadbury single egg 1.2 oz, Mini Eggs 1.5 oz, Hershey's egg or bunny 0.95-1.55 oz
Jack Link's jerky or nuggets 3.25 oz
Select Nature's Bounty
Nature Made B, C, D, E or Multi Vitamins
ALL Natrol Vitamins, Sundown Naturals or Ester-C
ALL CVS Letter Vitamins, Calcium, Multivitamins or Glucosamine Chondroitin
ALL Summer's Eve

OTHER SALES
Select Grocery items $0.99
Mini hearts by Russell Stover, Whitman's or Hershey and more 0.96-2 oz $0.99
Renuzit Adjustables 7 oz or Just The Basics dish liquid 20 oz $0.88
Purex 24-33 loads or UltraPacks 18 ct. $2.99
Wisk liquid 32 loads 2/$9
ALL Simple Facial Care (BOGO 50% OFF)
ALL Schick Disposable razors (BOGO 50% OFF)
L'Oreal Advanced shampoo, conditioner 12.6 oz or styler 5-8.3 oz 3/$12
ChapStick 0.15 oz (excludes hydra lock) or Luden's drops 25-30 ct. 2/$3
24 Pack Purified Water 16.9 oz bottles $2.44
Grocery Deals
New cc, how to check for errors
Added on : Friday January 17th 2014 04:00:09 AM
g: 0 Posted By: tr4nshum4n
Views: 92 Replies: 1 Hey, everyone. This is my first post.

I've avoided credit cards for a while now. I normally used debit cards for the past ten years or so, and I always balanced my checkbook. It's to the point where I take comfort in verifying the balance myself, even if I can check the website. It's paid off, at least a few times that I can remember.

Last month I got one of those Amex cards that delivers Cash Back, more for gas and groceries, but 1% for everything else. I like that, since I have to buy things anyway. The web says most people plan to pay off their card every month but fail. I'll be doing some self-monitoring, but I'm pretty sure I'm the type that pays the bill when it's due.

I've looked into mint.com, but I don't like the idea of turning over all my bank login info to anyone, and all they would be doing is providing me with information from the banks anyway.

What I'm looking for is a way to independently verify my credit card balances. Using a checkbook register seems wrong because, for one thing, there are no checks. I also don't want to add another paper book to my collection. I'd rather do something electronic.

It probably wouldn't be hard to use excel, but I just wanted to learn from others before I get started.
Personal Finance Deals
Dewalt DW745 compact job site table saw $229 reg $369 home depot B&M
Added on : Friday January 17th 2014 04:00:02 AM
g: 1 Posted By: digger1980
Views: 154 Replies: 0 this deal is possibly YMMV but not in title because the last 3 Home Depots I've been to all have the same price. regular price for the saw has been all over the place the last few months but this is the cheapest I've seen so far. haven't had a chance to check online yet.
Tools Deals

Home Depot Coupons
g: 0 Posted By: OverRuled
Views: 257 Replies: 1 Newegg is selling the Acer M5-581T-6807 UltraBook Intel Core i5-3317U 6GB DDR3 500GB Hard Drive + 20GB SSD 15.6" HD LCD DVD+/-RW Windows 8 (Metallic Silver) for $350 with free shipping.

Few things that I am not sure of:
1. From Amazon with same model number, it says there is backlit keyboard but the specifications from Newegg does not show.
2. It is "ultrabook" but has DVD+/-RW. However, it is only 0.8" thick according to Amazon. Again, I cannot even find this thickness from Newegg.

Anyway, it was too good of a price for me even without the backlit keyboardso I pulled the trigger.

Linky.
Laptops Deals

Newegg Coupons
g: 0 Posted By: heyyl0w
Views: 80 Replies: 0 Amazon has the Sigma 150-500mm f/5-6.3 AF APO DG OS HSM Telephoto Zoom Lens for Canon DSLR Camerasfor $899 with free shipping. Item has positive reviews. At the time of posting there were only a few left in stock.

This usually goes for around $1000.Specifications

Focal length: 150-500mm
Maximum aperture: f/5-6.3
Lens construction: 21 elements in 15 groups
Angle of view: 16.4 to 5 degrees
Number of diaphragm blades: 9
Minimum aperture: f/22
Minimum focusing distance: 86.6 inches
Maximum magnification: 1:5.2
Filter size: 86mm
Hood type: Bayonet
Mount: Canon
Dimensions: 3.7 inches in diameter and 9.9 inches long
Weight: 67.4 ounces
Warranty: 1 year

"The Sigma 150-500mm ultra-telephoto zoom lens covers a telephoto range of up to 500mm, letting you bring almost any subject close for short-perspective shots. The lens employs Sigma's original Optical Stabilizer (OS) function, which gives you access to shutter speeds approximately four stops slower without blurring the image. As a result, you can capture low-light, long-distance shots such as football plays, wildlife profiles, and landscape scenes without using a tripod for each photo. In addition, the lens incorporates a Hyper Sonic Motor (HSM) for quick, high-speed autofocusing, along with a rear focus system that guarantees optimum image quality throughout the entire zoom range. And photographers will love the three special low dispersion (SLD) glass elements, which correct for chromatic aberration, and the super multilayer lens coating, which reduces flare and ghosting. Other details include an option for full-time manual focusing, a close focusing distance of 86.6 inches, and an 86mm filter size. Compatible with optional 1.4x and 2x tele converters--which produce a 210-700mm length or 300-1000mm length respectively--the Sigma 150-500mm lens carries a one-year warranty."
SLR & dSLR Deals

Amazon Coupons
Office Max: Up to 80% Off During 6-Hour Flash Sale
Added on : Thursday January 16th 2014 06:00:07 AM
g: 1 Posted By: chapmanra2013
Views: 257 Replies: 1 Today only Office Max is offering Up to 80% Off during the 6-Hour Flash Salewith free shipping on orders over $50.

A few items:

MITraveler 7" Tablet- $59.99
PNY Attache 128GB USB Flash Drive- $46.99
TP-LINK 8-Port Gigabit Desktop Switch- $19.99
Canon imageCLASS D530 Multifunction Laser Copier- $89.99
Duracell Batteries - BOGO 50% Off



$10 Off $40 Purchase In-store coupon is also available for today only. Refer to this post.
Electronics Deals

OfficeMax Coupons
Warehouse Liquidation Sale - Save up to 70% Off @ harborfreight.com
Added on : Thursday January 16th 2014 02:00:02 AM
g: 0 Posted By: Deals4mykids
Views: 57 Replies: 0 http://www.harborfreight.com/warehouse-sale.html

We have one of these stores near us locally. We have bought quite a few things here in recent weeks. It is great for those just starting out. One thing to point out is that they leave out things which increase the price in the long run. We are going to buy a circular saw from them this week to use for a DIY project. The saw does not come with a blade in box. My husband doesn't mind that because he will just get a blade he needs. Something else we looked at didn't come with the battery and charger. It is sold separately. It's those little things that add to the price but in most cases they beat the big stores in price still. If you keep your eye out for the sales you will do great. We bought a cart for the garage to hold a chainsaw and suppies for well under the price anywhere else and it was perfect for our needs.
Canon SX-500 IS $149 temporary price cut at Target BM
Added on : Wednesday January 15th 2014 06:00:08 AM
g: 0 Posted By: garycook
Views: 191 Replies: 0 Not sure whether it is nation wide but saw it in a few local stores with price marked down from $249. Some are out of stock. A few other cams are on sale too.

16 effective megapixel, 1/2.3-inch CCD sensor
3-inch TFT color LCD with wide viewing angle
DIGIC 4 image processor
720p HD video in stereo sound with a dedicated movie button
24mm wide-angle lens with powerful 30x optical zoom and optical image stabilizer
30x Optical Zoom and 24mm Wide-Angle lens with Optical Image Stabilizer
DIGIC 4 Image Processor

Cameras Deals

Target Coupons
Advice for my mom- 69 y.o., still working, no 401K
Added on : Wednesday January 15th 2014 05:00:10 AM
g: 0 Posted By: Rubl
Views: 16 Replies: 0 Hi everyone,

I'm seeking advice for my mom who just turned 69 y/o, and she's still working. My family immigrated here about 20 years ago. Due to their life experiences they've held little to no trust in governments or stock markets. Basically, they've saved cash or invested in gold. However, my dad passed away a few years back, and essentially everything has been entrusted to me to help my mom with her finances.
Her situation is as follows:
She is still working full time (~15/hr) and hopes to continue to work for another decade, but maybe slowing down a bit.
about 100K in Cash savings - literally 40K in bills! The rest is in two savings accounts ( .9 -1.2 APR)
Social Security - 1000/ month
So, here are my questions:
1. My mom started withdrawing here SS after turning 62 (long story). Is there any sense in paying back with her pile of cash to defer her to SS to start at 69 or later?
2. She has no 401K account or IRA account. Is there any logic in opening one for her? I couldn't find much info for retirement savings after the retirement age.
3. Will we run into any issues when making deposits with all that cash?
4. What the hell do I do with the gold they've bought?

About me: I'm a devoted daughter , have very stable 90K income, and obviously, will support my mom if there is ever any need.
Thanks in advance!


Westinghouse 39" Class 1080p 120Hz LED HDTV - $249.99 + FS @ Sears
Added on : Tuesday January 14th 2014 03:00:07 PM
g: 0 Posted By: heyyl0w
Views: 290 Replies: 2 Sears has the Westinghouse 39" Class 1080p 120Hz LED HDTVfor $249.99 with free shipping. Model #DW39F1Y1-A

This deal was posted here a few days agobut has since been moved to expired."Westinghouse DW39F1Y1 - 39" Class ( 38.5" viewable ) LED TV - 1080p (FullHD) - brushed matte blackThe Westinghouse DW39F1Y1 LED HDTV features a 100000:1 dynamic contrast ratio for rich colors and 1080p image resolution for crisp detail. The integration of three HDMI inputs simplifies connection of a Blu-ray player and other high-definition peripherals."

This product has earned the ENERGY STAR and meets federal energy efficiency standards
Eco-thoughtfully designed with the environment in mind
Lightweight means a lower transportation carbon footprint
Cartons are recycled and recyclable and are printed with soy-based inks

LED TV Deals

Sears Coupons
qualifying for mortage with low income but lots of cash
Added on : Tuesday January 14th 2014 01:00:13 PM
g: 0 Posted By: creamade
Views: 184 Replies: 3 long time reader, first time poster. I hope you wise folks can help advise with my situation!
I am recently married and we are looking to buy a home by mid-2015, earlier if possible. We are in a high COLA in the Northeast where home prices we are looking at are in the 600-700k + range. While these homes still will need more money for renovating, this is a hot neighborhood due to excellent school district. We only want to buy once, buy right, and buy before prices get too high.
The gist is, I am a w2 employee grossing $35k annually. Short 2 year credit history, scores about 720. My wife grosses $55k, excellent 10+ year credit history.
She has a 401k, I have a Roth IRA. We have combined cash assets of $120k+, and currently do not pay rent (live with parents). Only expense other than the usual cellphone/groceries is a car lease.
In addition to my income, I also pick up a lot of odd jobs, tips, eBay/craigslist flips, etc. and earn an additional $30k cash a year.

The concern is, although we have enough to put 20% downpayment, we would still need to borrow at least $500k. We fear that our combined income will not qualify us for this amount at a good rate!
What are some options / obstacles we should consider?
-Do I pay the tax on the extra cash earned under the tables, as a 1099? However, research seems to show that a) a 2-year history of 1099 is needed, and b) alternate sources of income don't count anyways.
-Do we put more money down and borrow less? How much more? 25% is probably pushing our comfort limit assuming a $600k home. (And honestly, a $600k home here is in ugly condition.) This will be presumably difficult to still secure a good loan at a good rate, not to mention cough up all our savings. I think we would still need to keep at least a few months worth of Emergency funds, right?
-Find a lender that will accept my lower income, but pay more in points / higher rate?? Refi later on? We are not very comfortable with this option, as it is possible these lenders/banks may be shady and more expensive in the long run.
-Get our parents to co-sign?
- ???

Real Estate Deals
Coleman Exponent Lithium Flashlight - $15.99 (Was $69.99) @Coleman.com
Added on : Tuesday January 14th 2014 09:00:02 AM
g: 0 Posted By: mmax
Views: 195 Replies: 0 Great deal for a flashlight that normally costs $69.99, now only $15.99. This was just newly added to clearance so it is probably not on many peoples radars yet. I found it for $39.99 at Amazon, so getting it for $15.99 seems exceptional.
Coleman said: Cree XLamp XR-E LED - 115 lumens on high
Selector dial changes light colors and electronic lock-out
Five 3MM red LEDs for enhanced night vision
White LED run time up to 1.5 hours on high and 6 hours on low Red LEDs run time up to 15 hours on high and 50 hours on low
Five-position switch Off/Momentary On/Low/High/Emergency Strobe
Tail cap smart switch technology - push button to cycle through settings but if left on any setting for a few seconds, the next activation turns the flashlight off
Durable, weather-resistant milled aluminum body for rugged use
Convenient tail cap easily attaches lanyard for key ring
Product weighs 4.2 oz. (118 g) with battery
May we suggest Collapsible Lantern #4347-714 (sold separately)
Dimensions: 3.9 in. X 1.1 in. (9.91 cm x 2.79 cm)


Deal URL:

http://www.coleman.com/product/exponentreg-1cr123a-lithium-flash...

Amazon Comparison:

http://www.amazon.com/Coleman-Exponent-1-CR123A-Lithium-Flashlig...
Electronics Deals
Fagor Pressure Cookers on Sale + Extra 40% Off @ Macy's
Added on : Tuesday January 14th 2014 06:00:07 AM
g: 3 Posted By: chapmanra2013
Views: 365 Replies: 1 Macy's is offering Web Busters on Fagor Pressure Cookers + Extra 40% Off (applied during checkout) with free shipping on orders $99 or more.

A few items:

Fagor Elite Pressure Cookers - $32.39 - $64.79
Fagor Futuro Pressure Cookers- $71 - $79.19

Appliance Deals

Macy's Coupons
Family Christian - 25% off all Regular Price Items
Added on : Monday January 13th 2014 02:00:02 PM
g: 0 Posted By: mmax
Views: 140 Replies: 0 25% off entire purchase at Family Christian using coupon code: 130777885
FamilyChristian said: 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, gift cards, donations, imprinting, tickets or in combination with other coupons. No price adjustments on merchandise previously purchased. One coupon per customer.

Web Link:

http://www.familychristian.com/coupons?gclid=CI-Evpu8_LsCFQISMwo...
Home & Garden Deals
Old Spaghetti Factory 45th anniversary - price roll back
Added on : Monday January 13th 2014 11:00:04 AM
g: 2 Posted By: wtjc
Views: 388 Replies: 0 Roll-back pricing Menu Locations
To celebrate the anniversary in style, The Old Spaghetti Factory is rolling back prices on select pasta dishes in January. Lunch and dinner at Old Spaghetti Factory locations nationwide will cost only $4 or $5 on the following dates:
Mon., Jan. 13, 2014
Tues., Jan. 14, 2014
Mon., Jan. 20, 2014
Tues., Jan. 21, 2014
The special anniversary menu features The Old Spaghetti Factory's complete meals, including fresh-baked bread, a salad or soup, entre and dessert. Classic pasta entres will be on the menu, such as Spaghetti with Marinara, Meat, Mushroom or Clam Sauce, and the signature Spaghetti with Mizithra Cheese or the Manager's Favorite, which is a two-sauce combination. The Old Spaghetti Factory's award-winning kids' meals will be available for only $3 during the anniversary roll-back.

Warning - they will be busy (at least here in Southern Ca - If you've never been there it's well worth trying

Quite a few Costco locations now sell their Mizithra Cheese Mizthra Cheese locations

Restaurants & Entertainment Deals
L.L. Bean: Up to 60% Off Sale Items + Free Shipping
Added on : Monday January 13th 2014 10:00:07 AM
g: 0 Posted By: chapmanra2013
Views: 264 Replies: 0 L.L. Beans is offering Up to 60% Off SaleItems and free shipping.

A few notable items:

Women's Washable Linen Top (Assorted Colors)- was $69.95 now $19.99
Men's Plain Weave Pant (Assorted Colors) - was $65.99 now $24.99
Girls' Warm-Up Hooded Jacket- was $69 now $26.99

Clothing Deals

L.L.Bean Coupons
Paying off mortgage and change of credit score
Added on : Monday January 13th 2014 08:00:12 AM
g: 0 Posted By: ArmchairQB
Views: 195 Replies: 1 A few years back I rolled my mortgage in to a PenFed 5 year home equity loan for the lower rate and to accelerate paying it down. I recently paid off the loan to Penfed. I have been using CreditKarma since last summer to keep an eye on the scores that they present. I had expected with the payoff that I might get a bump in the scores. To my surprise when I logged on yesterday, the first day that CreditKarma reflected the payoff, my VantageScore dropped 61 points! This is far lower than my score has ever been. The payoff was the only change on the site. They do list one account reported as closed, which is the PenFed one that was paid off.

Anybody else ever have this happen to them?


Personal Finance Deals
Best Buy game trade in 100% bonus again...but....
Added on : Monday January 13th 2014 07:00:07 AM
g: 0 Posted By: megachacker
Views: 365 Replies: 0 They've lowered game values across the board. Best Buy had this a week or so back around the New Years offering 100% bonus trade in credit. It made for a great deal on people tired of new PS4 or Xbox One games b/c most were $30 (which meant $60 in store). This deal appears again active via their website (and in store) however, they've drastically dropped prices on the PS4 and Xbox One games. It appears most are just $18 (so you'd get $36 in store). What really is somewhat bothersome is that PS3 and Xbox 360 versions of the 'newer' games are $17 (so $34 in store). I'm not quite sure how they justify new PS4 and Xbox One games are only worth $1 more than older consoles? Maybe they lost their butt off a few weeks ago people trading in games for $60 Best Buy credit?

Regardless, if people missed this deal before or have other games to trade in for Best Buy credit it's actually not a bad deal.

Link to the page: http://www.bestbuy.com/site/olspage.jsp?id=pcat17093&type=page
Video Games Deals

Best Buy Coupons
Wife Quitting Job - AOR & other advice
Added on : Monday January 13th 2014 06:00:16 AM
g: 0 Posted By: kogerk
Views: 46 Replies: 1 My wife is quitting her IT job in 2 weeks for both increased stress and personal reasons. It will be a bit tight, but we should be able to pay all our bills (mortgage, utilities, taxes, phone, internet, insurance) with my salary, without dipping too much into our savings/emergency fund. In the long term (after 1 year) she probably will look for other options. We have two rental properties (big thanks to FWF) that are positive cash flow (about $600/month) that I do not plan to dip into.

I am looking for advice on what steps to take in the next few months, so as to not run into problems and if possible exploit the current situation.
- Unemployment benefits is almost ruled out since she is quitting and there is no harrassment of any kind.
- Will transfer health insurance onto my name in the next couple of weeks.
- Plan to do an AOR on her name (details below - any input is highly appreciated)
- Anything else ...!!??

The AOR is primarily for points/CashBack. I plan to get big on BB/VR and MS to further supplement our incomes. We do not have CVS, Riteaid, OfficeMax. We have Walgreens though and will try my first VR today there.
Her credit score is about 705 (credit karma) and her current salary is about $65K (mine about $80K). Here is a list of potential ongoing offers. Am I missing some offers.
Wells Fargo 5 rewards points for every $1 spent on gas, grocery, and Drugstore net purchases for 6 months (primarily for VR at WGs) Barcley 2X on all purchases - ==2.2% CashBack NFCU 60K points with $3K spend in 3 months -- now 15K?? Marriot 70K points with 1K spend IHG Rewards Club 80K points with 1K spend Capital One 50,000 points with Capital One Venture Card Chase Slate Introductory Offer: 0% APR on Balance Transfers Chase Saphire 40,000 Ultimate Rewards points after $3000 within 3 months Chase Ink Bold 50,000 UR points
I plan to get a EIN and also apply for some business cards. We don't worry about any hits on her credit score, as we don't plan on refinancing or such in the near term. I have done couple pf mini AORs before but, I plan to optimize this AOR since we might not be able to show any income on her name for a while.

I would highly appreciate any advice on all pertinent matters. TIA>

Personal Finance Deals
Restoration Hardware 20-70% off Lighting thru 13 Jan
Added on : Sunday January 12th 2014 05:00:02 PM
g: 0 Posted By: stevelion
Views: 258 Replies: 0 I've been looking at Restoration Hardware lighting for some time and finally pulled the trigger tonight - the pendant lights I've had my eye on we're 40% off the normal price. This is the best discounting I've seen in the 6 months I've been looking. I don't believethere is any Cash Back availableand the few coupons I found are not valid on sale items.
Home & Garden Deals
Financing a car and a house this year. In which order?
Added on : Sunday January 12th 2014 01:00:05 PM
g: 0 Posted By: EvilPuppy
Views: 76 Replies: 0 I'm looking into getting an used car which I may qualify for a pretty attractive rate through the manufacturer. But I'm also getting a house in a few months. If I get the car first, would the home mortgage loaner see the car loan on my credit report and think I'm a bigger risk thereby give me a higher rate? Or does it even matter?

Car Loan Amount: $15,000
Car Down Payment: $3,000

Home Loan Amount: About $500k
Home Down Payment: $200k
Personal Finance Deals
g: 0 Posted By: fourhens
Views: 153 Replies: 0 That is an 88% savings on the 48" size.

I'm in the Upper Midwest, and I just picked up the 48", the 39", and the 27" shades. They still had quite a few in other sizes as well, including 35", 23" and others.

I think the only color with these high percentages off is the Pecan Light, but it is a pretty medium brown shade, not really "light."

Here are a few links:

http://www.lowes.com/pd_250907-79074-70847_4294856885%2B42949657...

http://www.lowes.com/pd_234967-79074-70851_4294856885%2B42949657...

http://www.lowes.com/pd_236538-79074-70853_4294856885%2B42949657...

This is my first deal post (I think), so please be gentle!


Home & Garden Deals

Lowe's Coupons
g: 1 Posted By: MH
Views: 255 Replies: 0 Dell has the XPS8700 for sale at $699
LINK

evalue_code=fdcwgx312
Win8
1TB HD
8G RAM
NVIDIA GeForce GT 635 1GB DDR3
16X CD/DVD burner (DVD+/-RW), write to CD/DVD

There's a $50 off coupon

normal non-EPP purchases $50/off (WD0RTDJWM4QC1F bringing the total to to $650.
EPP purchases $50/off JQ66QSKW7M08BF brings this box to $636 after discount and includes free 2 day shipping. NOTE: you can add $115 in filler and qualify for the free gift (either E2014H monitor, 1TB external HD, or Targus bag. I chose the monitor)
I was not able to stack the $50 coupon myself, but was able to complete the sale via web-chat agent who said: "it applied for me, not sure why it didn't apply for you"

Note you can stack Dell advantage for 5% savings via an eGiftCard
Since I completed the transaction with an agent (to make use of that $50 coupon), I wasn't able to use FatCash or shop discover.


My total purchase price was $768.47 before tax. That included:

the computer above @ 636
a 1 TB Dell external HD (342-5537) ~66.49... not the best price I've ever seen, but I needed more space and filler
a Logitech MK550 wireless keyboard ~64.99... not the best price, but i needed filler and a wireless keyboard
the E2014H monitor FREE GIFT with > $749.99 EPP purchase


A few dollars more than the $620 deal a few weeks ago depending on your purchase flavor and stacked discounts, but still a good price on a very powerful CPU.


Good luck!
Desktop Computer Deals
Lexmark CS410DN Color Laser Printer $236.99 FS Amazon
Added on : Saturday January 11th 2014 03:00:04 PM
g: 0 Posted By: darc87
Views: 212 Replies: 0 Lexmark CS410dn Color Laser PrinterbyLexmark5 customer reviews
List Price: $641.43 Price: $236.99 You Save: $404.44 (63%)
Only 3 left in stock (more on the way).Product DescriptionThe small and quiet Lexmark CS410dn network-ready color laser printer with 2-sided printing standard, a 800 MHz dual-core processor and 256MB of standard memory prints at up to 32 ppm black and color.Effortlessly print more documents with a dual-core processorFinish jobs quickly by printing up to 32 pages per minutePrint Complex Documents FastPrint documents with graphics and images effortlessly with 256 MB of upgradable memory and a fast dual-core processor.Professional Color MatchingLexmark Named Color Replacement and PANTONE calibration make it easy to develop a consistent brand image by accurately matching your colors.High Resolution GraphicsWith up to true 1200x1200 dpi resolution, images and graphics stay crisp. Lexmark's Unison Toner ensures consistent quality, too.Super Fast and Quiet OutputQuickly print up to 32 pages per minute in black and color, plus produce a 1-page color document in as little as 10 seconds.Reliable PerformanceEasily print up to 6,000 pages per month, plus enjoy fewer maintenance hassles, thanks to our state-of-the-art paper handling.Lexmark CS410dn Network-Ready Color Laser Printer
Key Features

Print from your desktop or mobile device
256 MB of standard memory / 2304 MB maximum
Up to 1200x1200 dpi resolution
Print up to 32 black or color pages per minute
2.4-inch color LCD display

Print from a desktop
or mobile device
laser printers Deals

Amazon Coupons
Would a tax advisor do me any good?
Added on : Saturday January 11th 2014 01:00:10 PM
g: -1 Posted By: don2jr
Views: 65 Replies: 0 Hi, Sorry I had to use an alternate ID but I am on FW frequently and wouldn't want this one traced back to me.

My income was $360k in 2013 and will be higher in future years. That is salary plus bonus for a regular employer where I have no business-related expenses, etc., I can write off. My wife earns about $85k. We have 3 kids, 2 of them from other marriages where we alternate deductions according to our divorce agreements. We have good-sized 401(k)s (total probably $500k), a few cars, and some money in the bank, but nothing substantial in the way of other investments and don't own property other than our home. I pay an amazing amount of taxes every year and currently just use TurboTax or another online service to complete our taxes. I was considering whether an accountant or attorney could give me any advice to help me reduce my tax load, but what would not be helpful are (1) investments (I want to work on paying our house off before putting a lot of money in investments other than the 401(k)s), (2) businesses/expenses, (3) investment property, etc. My thought is all of my income is on my W2, the AMT will likely apply, and there probably aren't any "secret" deductions or strategies that would do any better than a standard online TurboTax form. Can anyone more knowledgeable confirm?

Thank you.
Tax Deals
Planning for temporary loss of income
Added on : Saturday January 11th 2014 09:00:14 AM
g: 0 Posted By: RedCelicaGT
Views: 87 Replies: 1 I'm a 29 year old student. I also work full time and have no debt other than my mortgage. Through employment, Igross 88K annually including overtime.

For certification reasons, I need to take a 2 yearunpaid training after I finish school. At the end of my training, my income will be 120K-140K with 10 year potential to 190K...So the incentive to do this is clear.

I have managed to avoid student loan debt through employer tuition reimbursement. At the end of my classroom education and research I will be "employed" in a 2 year unpaid training/residency. It's good I have some time to prepare for a loss of income, but at the same time a bit nervewrecking to know I have a family to take care of while not having any income. With small children, my wife as a school teacher will not net enough money to warrant working and offset daycare. Children must come soon. Medically speaking that is the only choice. Right now we have an infant. I'm currently saving about $900/month including matched 401K contributions.My mortgage PITI is $1380 with $400 going to principal so that's kind of like sending the money to savings at this point.So far, here are my assets and liabilities:
Asset Value Loan Balance House 250K 216K 401K 56K NA Liquid 25K NA Car 1 12K NA Car 2 10K NA Total 345K 216K Net 149K
Here are my planned expenses during training:
Expense Amount Rent 700 Car/health Insurance 400 Utilities 100 Food/Baby 600 Gas 150 Life 500 Monthly Total 2450 2 year total 58800
I'd prefer to not burn through my life's savings in two years. I will sell the house which will net about 25K after expenses. Liquid+house proceeds can almost carry us through the whole time. I really don't want to dip into 401K. I can sell the cars and drive an old beater if necessary but I'd prefer to keep the cars and have reliable transportation.I don't feel bad taking some government assistance if I qualify during this time period since I've been paying taxes and have not been getting government assistance while in school. I'm considering moving all my liquid over the next few years to roth IRAs so we can qualify for WIC/SNAP and pay for most everything from the IRA.

What would you do if you were me to prepare for the loss of income? Is it unethical to plan in such a way to be able to qualify for government assistance while having a substantial amount in retirement accounts?
Personal Finance Deals
Options for Rental Properties with Equity
Added on : Saturday January 11th 2014 09:00:14 AM
g: 0 Posted By: mricu
Views: 72 Replies: 0 I have two rental properties. The primary reason for these investments is to gain "steady" income incase things at work go wonky which is usually the case every few years in my industry. I was lucky enough to buy low and both properties have a significant positive cash flow after mortgage and expenses.

Fast forward to today. Both properties are now worth twice what I paid for. Ideally I would like to pay off the mortgages somehow so that my income is purely the rental rate I am getting for both my places. Is there an option somehow to pull equity from my homes to pay off my mortgages without having to take on another debt (which would obviously be counter productive).

Selling the properties is not an option because I'd loose the income in case of issues at work and purchasing aother propeties with the profit also will not work since prices everywhere have gone up which would make be take out another mortgage and rental rates have not increasedwith the price of the properties.
Real Estate Deals
High return ETFs
Added on : Saturday January 11th 2014 06:00:08 AM
g: 0 Posted By: VAIndigo
Views: 63 Replies: 1 I notice in Morningstar ETF screener quite a few very high return , that too over 3 yr period. But looks too good to be true. What am i missing.
Is Leveraged ETFs a no no for a passive long term investment?


What is PEX? doesn't look like a leveraged ..
UVT, UKK, BIB, IBB, XPH
Investing Deals
Choosing a Tax Accountant
Added on : Saturday January 11th 2014 06:00:07 AM
g: 0 Posted By: DrToxic
Views: 74 Replies: 1 Happy New Year everyone! As we all know,each new year also means paying taxes for last year... That being said, I have some questions I wanted to draw on your collective FWF knowledge for, since my wife and I got married in November and will be filing jointly for 2013, which is a whole different animal for me. We will most likely fall int he 25% tax bracket, and have no children/dependents. I'm currently debating whether or not we should hire a tax professional, due to the reasons I'm outlining below.

My situation:I usually have quite an extensive Schedule D due to mutual fund trading. I am still carrying forward a capital loss from the past few years. I am a W-2 salaried employee with employer provided healthcare benefits that I have paid into all year, and a 401k. I am the primary income earner of our household. I currently am paying off a mortgage on our house, which I bought in 2012

My wife's situation: She is also a W-2 employee, but works from home and travels frequently for work while claiming expenses that she is reimbursed for. She has a secondary income stream which probably will not come out to more than $500, and so probably won't be claimed. She has some investments/assets that are not actively traded and are held long-term. My wife's family also has a tax accountant which they have used for years, but I am hesitant to trust that he is going to put his best effort into our return.When I was talking to my wife about this, she told me how the accountant has said that he hates itemizing and doesn't usually do it, because the standard deductions are usually about the same anyway. ...I REALLY DON"T LIKE THAT ATTITUDE...my dad and IALWAYS itemized my return... Sure, yes, sometimes we ended up taking the standard deduction for me, but only if it was greater AFTER we itemized and found what that amount was... so to me, it sounds like my wife's family's accountant doesn't really want to go through the effort...

ANYWAY... Based on the info I've given, my questions are:
1. Should we even bother hiring a tax accountant at all? Does it sound like we have a complicated enough situation that hiring someone is worth the money?
2. I understand this is a personal preference question, but if you were in my shoes, would you want to hire a new tax professional? Or trust the one who is already familiar with my wife's taxes?
3. If we hire someone, should I be looking for specifically a CPA? An Enrolled Agent? Both? Are there any real pros/cons to either?
4. Should I be getting all hot and bothered about the fact that my wife's family accountant doesn't itemize? In your experience, if you DO itemize your returns, do you feel that it's been worth your time?
5. Are there any other angles I'm not considering? Tax Professional qualities I should be looking for/looking out for? Any advice?

Tax Deals
g: 0 Posted By: Xenocrates
Views: 461 Replies: 3 Half priced Disney DVDs (Alice in Wonderland, Tarzan, Hercules, Lilo & Stitch, and more) - $9.96+ @ Amazon 
free shipping on $35+ or with Prime Includes a few of the classics and even Winnie the Pooh!   (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Movies Deals

Amazon Coupons
g: 0 Posted By: NubileGrandma
Views: 135 Replies: 5 Today I sold some Fidelity commission-free ETFs. The numbers do not add up. Although it appears I was shorted only a few cents, this still bothers me, as those cents are not Fidelity's to take from me and in the aggregate, whoever gets these pennies can make a fortune. I have heard about salami-slicing and wonder if that is what happened? I cannot imagine some fee that I have to pay that is only one or two cents. Is anyone able to explain why the numbers do not add up?
3x25.72 does not equal 77.15; and
11x25.71 does not equal 282.80
Investing Deals
g: 1 Posted By: jackyen2000
Views: 217 Replies: 0 Hello,
I was looking for a dishwasher to replace my old broken one at home. I found this one from Sears and seems like a ok deal. Although It's not as hot as the same model but in stainless that someone posted few weeks ago, it's not too bad either.

use couponSAVE50APPLIANCESto get $50 off at checkout. It will be $315.99 before tax. Free delivery.
http://www.sears.com/shc/s/p_10153_12605_02215379000P

I'm quite a newbie in terms of posting deals so be easy on me...

Jack
Appliance Deals

Sears Coupons
How to use a tax credit carry forward?
Added on : Friday January 10th 2014 05:00:07 PM
g: 0 Posted By: photoshow
Views: 33 Replies: 0 I'm currently in the 15% tax bracket and have a large tax credit carry forward. My income will probably not increase enough to use the whole credit in the next few years so I was looking for ways to increase my tax liability. I currently own one house, have a taxable investment account, Roth IRA, and Roth 401k. I currently step up my cost basis annually in my investment account since I have a 0% capital gains rate. Short of getting another job or increasing earned income, what are ways I can use this credit to my advantage before it expires in a few years?
Tax Deals
g: 1 Posted By: rajaram
Views: 592 Replies: 1 CVS has the Nice & Easy Color Foam on sale, 75% off original price. Though display said $ 2.74, it rang up 2.69 each. Sunday paper had two coupons, $ 3 off 1 and $ 5 off 2, I bought 3 and used both coupons. Net was 0.07 + Tax for 3!! I had few other items in the cart. Even otherwise, I do not think they care. You may not get Cash Back if you do not have anything else to buy though. Not sure whether 75% off is good only this week. I saw the deal in at least 5 CVS (was looking for 90% off Christmas sale items) in Metro Detroitarea.
Hair Color Deals
g: 0 Posted By: rajaram
Views: 44 Replies: 0 CVS has the Nice & Easy Color Foam on sale, 75% off original price. Though display said $ 2.74, it rang up 2.69 each. Sunday paper had two coupons, $ 3 off 1 and $ 5 off 2, I bought 3 and used both coupons. Net was 0.07 + Tax for 3!! I had few other items in the cart. Even otherwise, I do not think they care. You may not get Cash Back if you do not have anything else to buy though. May expire tomorrow.
ON SALE: Forzieri - Oval Gold Plated Classic Cufflinks
Added on : Friday January 10th 2014 09:00:12 AM
Impressively simple, brilliant shine, and prestigiously basic, these classically designed cuff links speak volumes with few words. Simply noble, grand, and distinguished. Gift box included, made in Italy.
Night Sports Light Up Golf Ball 3-pk. - $13.99 @ Groupon
Added on : Friday January 10th 2014 08:00:04 AM
g: 0 Posted By: ksenn
Views: 144 Replies: 1 Groupon has a Night Sports Light Up Golf Ball 3-pk.for $13.99 with free shipping on purchases over $19.99. Great for night golfing. I also know of a few people who play snow golf in the winter, pretty sure they would be great for that too.

Lights up on impact
Re-triggers with each hit for eight minutes
Perfect for night games
High performance, with controlled, accurate feel
Achieves same distance as traditional ball
Free Mom Made Meal or Munchie product coupon
Added on : Thursday January 09th 2014 04:00:13 PM
g: 0 Posted By: remick
Views: 253 Replies: 0 http://www.mommadefoods.com/healthy-tips/healthy-pledge.asp?utm_source=Healthy+Pledge+2014&utm_campaign=Healthy+Pledge+2014&utm_medium=email

Step 1:
Click here, select HEALTHY PLEDGE and fully complete this form, including your mailing address as we are mailing these coupons. Limited while supplies last. One per family household. Must have a valid US mailing address.

Step 2:
It takes a village and wed love to hear your tips and ideas. Please join in the healthy conversation on Facebook, Pinterest and Twitter.

Step 3:
In a few weeks, check your mailbox for your FREE COUPON good for any Mom Made Munchie. Mom Made is in freezer aisles nationally


store locator
http://www.mommadefoods.com/find-us/stores.asp
Frozen Goods Deals
Tilly's: Extra 70% Off All Red Tag Clearance + FS AC
Added on : Thursday January 09th 2014 04:00:03 PM
g: 0 Posted By: heyyl0w
Views: 111 Replies: 0 Tilly's has an extra 70% Off All Red Tag Clearanceand free shipping w/ code "FREESHIPME".

Note: All sales are final.

Men's shirts from $4.97, women's tops from $2.97, and kid's shirts from $10 just to call out a few. Items from shoes to accessories are included in this sale.

Shop Men

Shop Women

Shop Boys

Shop Girls
Clothing Deals

Tilly's Coupons
Giveaway of the Day - Inpaint 5.6
Added on : Thursday January 09th 2014 01:00:08 PM
g: 1 Posted By: amythst63
Views: 191 Replies: 0 Inpaint will magically remove elements from your photos! With few simple gestures you will get clear, spectacular pictures, just like you intended them to be. Inpaints Magic Wand tool allows you to select unwanted objects or persons on a photo in literally seconds, so all you have to do then is to let Inpaint do the rest!
Inpaint 5.6

Software Deals
g: 0 Posted By: heyyl0w
Views: 46 Replies: 0 Today only, Staples has the iHome iW3 Airplay Wireless Speaker System in Blackor Silverfor $69.99 with free shipping.

Was on sale a few days ago for $80.

Positive customer reviews at Staples. Amazon is currently sellingthis for $125 and the 12 reviews are mixed.

iHome Airplay enabled speaker delivers portable, streaming digital audio wirelessly anywhere your Wi-Fi signal reaches.
Airplay compatibility allows you to stream and control your iTunes library with iPad, iPhone, iPod Touch, computers (PC & Mac) and more
Supports multi-speaker use so you can add wireless audio to every room
Delivers SRS TrueBass digital sound processing though 4 speakers with Reson8 speaker chamber technology
Free iHome App drives easy setup and additional features (access to device setting, sleep & alarm functions, etc)
3.5mm Audio Input allows wired connection
Suports USB docking and charging
Includes internal Li-Ion Battery
Dimensions: 4.61 W x 9.38 H x 4.61D
Weight: 2.2 lbs

Headphones & Speakers Deals

Staples Coupons
g: 2 Posted By: DirtCheapDad
Views: 653 Replies: 1 ProBikeKit.comis doing a great 20% off declining discount...drops 2% each hour. DOWN TO 10% DISCOUNT NOW. Use code DISCOUNTUS.

Free shipping on purchases over a certain amount...probably about $75 but my orders from them are always much larger and didn't find the minimum quickly on their site. All of my shipments have used USPS Express for in-country USA delivery, and I've never been charged import duties on a shipment from them yet (and have had at least 5 shipments in the past year from them).

Always excellent deals on Shimano products though their selection is sometimes missing common items (probably out of stock). Lots of opportunities to buy products much cheaper than in the USA depending on their location of manufacture...I find a few companies where the products are consistently 40-60% off even discounted prices in the USA.
Bicycle Deals
g: 0 Posted By: kirbydog
Views: 216 Replies: 0 Woolly Wormhead
Use code hello2014 to receive 40% off epatterns and ebooks. Also redeemable at etsy or ravelry.

Great patterns!Bubbleskids hat (adaptable for grown-ups) is a fave as isMedici tam.

Get crafty! Unlike many free patterns available online, these are tested and have few, if any, errors so your time/effort is not wasted.
Books Deals
Route 66 Men's Jeans - Starting at $8.99 @ Kmart
Added on : Thursday January 09th 2014 09:00:04 AM
g: 0 Posted By: chapmanra2013
Views: 120 Replies: 0 Kmart has Route 66 Men's Jeanson sale starting at $8.99 with free in-store pickup or free shipping on orders of $59 or more.
A few items at $8.99:

Route 66 Men's Low-Rise Bootcut Jeans & Belt (Light Wash) - $8.99
Route 66 Men's Low-Rise Bootcut Denim Jeans & Belt (Medium Wash) - $8.99
Route 66 Men's Low-Rise Bootcut Jeans & Belt (Rinse Wash) - $8.99







Clothing Deals

Kmart.com Coupons
ProBikeKit 18% discount - declines 2% each hour - biking/cycling products
Added on : Thursday January 09th 2014 06:00:10 AM
g: 0 Posted By: DirtCheapDad
Views: 194 Replies: 0 ProBikeKit.com is doing a great 20% off declining discount...drops 2% each hour. Looks like it's already down to 18% now. Use code DISCOUNTUS.

Free shipping on purchases over a certain amount...probably about $75 but my orders from them are always much larger and didn't find the minimum quickly on their site. All of my shipments have used USPS Express for in-country USA delivery, and I've never been charged import duties on a shipment from them yet (and have had at least 5 shipments in the past year from them).

Always excellent deals on Shimano products though their selection is sometimes missing common items (probably out of stock). Lots of opportunities to buy products much cheaper than in the USA depending on their location of manufacture...I find a few companies where the products are consistently 40-60% off even discounted prices in the USA.
Bicycle Deals
Copays and Doctor visits (Hospital Based Billing)
Added on : Thursday January 09th 2014 05:00:10 AM
g: 0 Posted By: BenH
Views: 2 Replies: 0 I posted a thread several months ago in Off-Topic and updated it a week or so ago with no response (likely because it sat dormant for so long). I'm bringing some of the questions into FWF because I know there are here with good experience, and in the end - it is related to personal finances, so something we all should understand.

You can read the synopsis of my experience in this post:
http://www.fullofdeals.com/forums/off-topic/1307347/messid=18208089/#bottom

Essentially, it appears that my doctor's office - which is affiliated with a hospital - has changed their billing methods. Now, instead of just a $20 copay, I am paying towards my deductibles for office visits.
Feel free to read the above post for more precise information.

The question I have now, after speaking with my doctor directly (asking her for a recommendation for another doctor not affiliated with the hospital), is this:

My doc informed me that that last few visits that we have all had were not coded as wellness/preventative visits. My daughter (infant) went in for...can't remember...a rash maybe? My wife had hurt her neck, I went in for some congestion/nasal/sleeping issue.
So - the doc said that these were not coded as standard office visits - presumably because it wasn't like a normal check-up, but because we were coming in for a specific issue.

Now I don't go to the doctor often but since I've been married and had a kid I have to deal with the insurance more than ever. IIRC, in the past when I have had insurance with a $15-30 doctor copay visit, it did not matter what I was going into the doctor for.

Whether it was a yearly checkup, or I had a cold, or I was complaining about my toes being numb, or loss of hearing (all just examples)... it didn't matter! I would just go, pay my $15-30 co-pay and that is all I would owe unless the doctor had to order some specific tests.

I'm sure my doc has pressure from the hospital to bill a certain way, and I think she is trying to work with me on this, but which of us has the more real-world view? Am I wrong in thinking that a copay should be valid for all doctor's visits? Is the doc saying otherwise clearly the hospital talking and them trying to take advantage of these billing practices?

Doc says that if she realizes it is an issue for me, that she can try to code our visits more as a "standard" visit which, I believe, should just elicit the copay. With new insurance kicking in this year, and not wanting the hassle of finding another good doctor, I would like to think I can stay with them if they can do this...but I want to know what everyone else's understanding/experience with co-pays are.

thanks.
g: 0 Posted By: bittul
Views: 205 Replies: 0 $3.60 each... A nice 10% below (my) $4 each "hot deal" price.
{also consider another few cents back in drugstore.com Dollars to use in April}

Click here to activate $5 off $40. {need to enter zip-code and click "get estimate" after adding items to cart to see discount}.
http://www.drugstore.com/user/promo.asp?code=67F5B2CD&aid=281067&aparam=14wk19dsCOUPS

http://www.drugstore.com/brita-water-filter-pitcher-replacement-filters/qxp93303?catid=184691
Add 2 sets of 5 to cart.
= $35.58 for 10.

~~~~~~~~~~~~~~~~~~~
When those run out, next best is the 10-pack for $36.99
http://www.drugstore.com/brita-water-pitcher-replacement-filter/qxp150134?catid=184691
Home & Garden Deals

drugstore.com Coupons
Can I use VISA rental car insurance with SLI?
Added on : Wednesday January 08th 2014 09:00:06 PM
g: 0 Posted By: RogerFederer
Views: 73 Replies: 1 Hi there!

I'll be renting quite a few cars for travel and wanted to make sure I fully understood the details of credit card rental insurance and supplemental liability insurance (SLI). I just finished reading through this awesome infographic on insurance,but I'm unclear on the following:

I don't have personal car insurance (don't own a car), but I intend to pay with my VISA, which means damage to the rental vehicle is covered.
I want to make sure i'm covered for liability in case I am deemed at fault for an accident.
Can I JUST buy the supplemental liability insurance and not the collision damage waiver? Idea here is my credit card should cover the CDW, but it won't cover liability.

I'm just trying to make sure that buying SLI won't negate my credit card coverage of damage to the rental car.

Thanks in advance for your help!!
Eric
Question Deals
High interest loan
Added on : Wednesday January 08th 2014 06:00:07 PM
g: 0 Posted By: tjtjking
Views: 136 Replies: 1 Hi, I had a friend showed me a website a few years ago, it's like you can put the money there and someone will loan you money, the interest rate is like 20%-30% yearly.

Anyone had this kind of experience? I am also thinking what if someone doesnt return the money back to u, i know you'll put a bad credit on them, but are you going to lose that money permanently?


Thanks.
Question Deals
g: 6 Posted By: heyyl0w
Views: 874 Replies: 2 Best Buy has Disney Epic Mickey: The Power of Illusion (3DS)for $9.99 with free in-store pickup only. Currently$20 at Amazon.

Did very well a few weeks ago,but that deal was moved to expired.

Reviews: Metacriticand IGN

Disney Epic Mickey: Power Of Illusion offers a special drawing and painting function that will allow players to create an interactive world by using the stylus to draw objects in the bottom screen that magically transform into classic Disney-style 2D illustrations. Utilizing the game's unparalleled dual screen integration, players will then move their creations to the top screen where they are further transformed into beautiful, fully realized objects that pop off the screen in stunning 3D.
Players will utilize the core Disney Epic Mickey gameplay mechanic of paint and thinner while playing as Mickey Mouse in an attempt to save classic Disney Toon characters.
Players will engage in epic boss battles with familiar Disney villains using attacks involving the power of illusions to surprise players.
Players will adventure through game levels based on animated Disney films such as Peter Pan and Aladdin, as well as interact with beloved Disney characters.
In between adventures, players can develop their own fortress by taking a small fort and expanding it into a thriving castle.

The only Epic Mickey I ever played was for the Wii and I thought it was very interesting. That version was a little dark for young children. This seems like it might be more age appropriate.
3DS Games Deals

Best Buy Coupons
g: 1 Posted By: DCrombie
Views: 219 Replies: 1 Nokia DT-900 Wireless Charging Pad for Qi Wireless Enabled Smartphones Including Nexus 4/5, HTC 8x, Nokia Lumia 720, 820, 920, 925 and 1020 for $24.50 +Tax and Free ShippingAvailable in Black & White color

http://www.att.com/shop/wireless/accessory.chargers-nokia-black-...

P.S. Dailysteals deal will be expiring in few hours; in case you don't want wait for shipping instead you want to pick it up from closest AT&T store. so this is a better alternative.

Batteries & Chargers Deals
Disney Epic Mickey: The Power of Illusion (3DS) - $9.99 + SP @ Best Buy
Added on : Wednesday January 08th 2014 01:00:01 PM
g: 1 Posted By: heyyl0w
Views: 89 Replies: 0 Best Buy has Disney Epic Mickey: The Power of Illusion (3DS)for $9.99 with free in-store pickup or free shipping on orders of $25 and up. Currently$20 at Amazon.

Did very well a few weeks ago,but that deal was moved to expired.

Reviews: Metacriticand IGN

Disney Epic Mickey: Power Of Illusion offers a special drawing and painting function that will allow players to create an interactive world by using the stylus to draw objects in the bottom screen that magically transform into classic Disney-style 2D illustrations. Utilizing the game's unparalleled dual screen integration, players will then move their creations to the top screen where they are further transformed into beautiful, fully realized objects that pop off the screen in stunning 3D.
Players will utilize the core Disney Epic Mickey gameplay mechanic of paint and thinner while playing as Mickey Mouse in an attempt to save classic Disney Toon characters.
Players will engage in epic boss battles with familiar Disney villains using attacks involving the power of illusions to surprise players.
Players will adventure through game levels based on animated Disney films such as Peter Pan and Aladdin, as well as interact with beloved Disney characters.
In between adventures, players can develop their own fortress by taking a small fort and expanding it into a thriving castle.

3DS Games Deals

Best Buy Coupons
Men's Fleece Small Lion Zip-Up Hoodie - $17.99 shipped @ Express
Added on : Wednesday January 08th 2014 11:00:03 AM
g: 0 Posted By: heyyl0w
Views: 271 Replies: 0 Express has the fleece small lion zip-up hoodie available for $17.99 after discount. List price is $59.99. Shipping is free. Available in XS-XL.

You have to add the item to your cart to see the discount.

Ultra-soft, pure cotton fleece makes this hoodie a must-have for cool weather layering. Have a few colors on hand to mix things up when you're on the go.

Hooded with contrasting drawstring
Zip front
Small merrow edged Express Lion logo on chest
Ribbed trim on long sleeves and straight hem
Cotton
Machine wash
Imported



It is part of their End of the Season sale, mentioned here.

Men's Sale

Women's Sale
Clothing Deals

EXPRESS Coupons
Investing in Marijuana
Added on : Wednesday January 08th 2014 10:00:07 AM
g: 0 Posted By: mastroadam
Views: 47 Replies: 1 Whether you support the stuff or not, weed will most likely be legal in all 50 states for recreational purposes. I don't think there is any argument there.It's still early in the game. Has anybody done any research on what companies will profit on weed? I've found a few penny stocks that imay throw some bucks at.

PHOT
MJNA
CBIS
GWPRF
GRNH
MWIPD
Investing Deals
g: 0 Posted By: BennyZz
Views: 27 Replies: 0 [l=Link]http://www.amazon.com/Beginner-Programming-Using-Microsoft-Serve...[Kindle+Edition][/l]

SQL Server 2012 introduces a number of new T-SQL programming features. All the new features are presented in this book with examples. Also traditional SQL programming presented with practical examples such as SELECT, INSERT, UPDATE, DELETE & MERGE just to mention a few SQL commands. SQL (Structured Query Language) programming 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 SQL programming and database design, and who wish to refresh & expand their RDBMS development 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 practical SQL queries (over 1,100 SELECT queries) and T-SQL scripts, plenty to learn indeed. The 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. The book teaches through vivid 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 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 the SQL language in your DNA. SQL queries 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 development expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Charlie, can you tell me what is the total revenue for March?", you have to be able to type the query without documentation or SQL forum search and provide the results 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. SQL Server 2012 installation, new programming functions, data export and data import presented step by step. Mastery of SQL programming book likely to be sufficient for career advancement as a database developer.
Totally Free Deals
Zippo A-Frame Chrome Hand Warmer (Black) - $12.48 shipped at Amazon
Added on : Wednesday January 08th 2014 02:00:02 AM
g: 0 Posted By: Tuba2
Views: 71 Replies: 0 Amazon has the Zippo A-Frame Chrome Hand Warmer (Black) on sale for 7.49 + $4.99 shipping = $12.48.

I could of used 30 of these over the last few days. This is the lowest price I've seen on these.
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Amazon Coupons
Car dealer ripoff issues....
Added on : Tuesday January 07th 2014 07:00:11 PM
g: 0 Posted By: ZDog377
Views: 86 Replies: 0 Hello everyone,

Here is the situation I have run into over the past few weeks with my car, a 2009 Hyundai Sonata. The car has a little over 66K on it now, it had about 63K when the issue started.

- The car had been making a harsh downshift from 2nd gear into 1st only when the car was cold. When it warmed up it was fine. I decided to get a fluid and filter change on the transmission to see if it solved the issue. It did not, it made things worse.
- Since I had a third party warranty through the purchasing dealer, I decided to take it back to them and have them do diagnostics to determine what was wrong.
- Dealer did 1/2 hour of diagnostics at $46/.5 hours and came to the conclusion that the transmission was bad. They told me that they had a transmission there but it could be covered under my third party warranty. It would be roughly $2600 if it wasn't covered. They said that I needed to get them all my maintenance records so they could send them to the warranty company to let them make a determination. This was quite an issue because I normally do all my own work on my vehicle.
- Decided to call another dealer in the area to see what their price on a transmission was. New dealer mentioned to me that there was an update for the ECM and TCM to fix this issue and it would only cost me an hour of labor to do (~$100). My wife took it last Friday to get the update done and I have driven the car several times since and the issue has not come back.

My question is this: is it fair to ask the original dealer for a refund of the diagnostic charge? They did not even mention the update to me, it was just that I needed a new transmission. Also, would it be worth it to email Hyundai corporate and mention what is going on here? I've had one or two minor issues with this dealer before, but this one definitely takes the cake.

If any one would like more info, please let me know.

Personal Finance Deals
Staples: B&M Cross pen - $15
Added on : Tuesday January 07th 2014 02:00:03 PM
g: 0 Posted By: thsze
Views: 171 Replies: 0 Saw a few different cross pen sets for $15 at Staples.
Includes Tech2, Century etc. These are single ball pen / gel pen with soft case/pocket book set.

MSRP range from $30 to $50 depending on the set.

Similar sets were on clearance a few months ago.

Happy hunting.
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Staples Coupons
g: 0 Posted By: brokedude
Views: 258 Replies: 0 I bought this at full retail a few years back after a big snow storm that killed my back shoveling. Have used it once since then and it is worth every penny. I think it is a decent price right now.

Worx WG650
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Best use for 80K cash in short term
Added on : Tuesday January 07th 2014 10:00:16 AM
g: 0 Posted By: americano
Views: 0 Replies: 0 =10ptThese funds will become available in a few weeks. I am looking to maximize ROI on it for a few months.Anytime after Oct I can optionally use these funds to pay downthe mortgage

=10ptRCA is too much trouble. Is my last option.
=10ptUse it for Fidelity Mileage plus. Any other good offers?
=10ptSharebuilder? Although they don't currently have anyoffers.
=10ptShould I just invest it as per my AA? Of course it rules out the option of paying down the mortgage.Worried as the market is at an all time high.

=10pt​Please share your ideas.
CA SDI Short Term Disability for Self-Employed
Added on : Tuesday January 07th 2014 09:00:12 AM
g: 0 Posted By: jmw11
Views: 85 Replies: 0 Good deal or not at age 40, especially if you can foresee the necessity of using the paid family leave portion in about a year?

3.67% of the first $101k in net profit. (versus the much lower 1% paid by W2 employees for SDI)
6 weeks max for paid family leave benefits
39 weeks max for own disability
6 months must elapse before filing first claim
7 day no-pay waiting period

Breakeven seems to be at 4 weeks of benefits.

My gut feeling that this is a good deal at 1% but ceases to be a good deal beyond 3% to get fewer benefits than the W2 workers.

Would you get this or buy a private short-term policy?

Personal Finance Deals
g: 5 Posted By: remick
Views: 338 Replies: 0 http://www.amazon.com/Beginner-Programming-Using-Microsoft-Server-ebook/dp/B009ECEE84

SQL Server 2012 introduces a number of new T-SQL programming features. All the new features are presented in this book with examples. Also traditional SQL programming presented with practical examples such as SELECT, INSERT, UPDATE, DELETE & MERGE just to mention a few SQL commands. SQL (Structured Query Language) programming 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 SQL programming and database design, and who wish to refresh & expand their RDBMS development 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 practical SQL queries (over 1,100 SELECT queries) and T-SQL scripts, plenty to learn indeed. The 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. The book teaches through vivid 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 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 the SQL language in your DNA. SQL queries 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 development expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Charlie, can you tell me what is the total revenue for March?", you have to be able to type the query without documentation or SQL forum search and provide the results 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. SQL Server 2012 installation, new programming functions, data export and data import presented step by step. Mastery of SQL programming book likely to be sufficient for career advancement as a database developer.



Also free at the time of posting:

Introducing Windows Server 2012 RTM Edition
http://www.amazon.com/Introducing-Windows-Server-Edition-ebook/dp/B008X73O5A


Introducing Microsoft SQL Server 2012
http://www.amazon.com/Introducing-Microsoft-Server-2012-ebook/dp/B007PJ6DSW


PHP Data Objects Quick Start (PHP Basic Recipe)
http://www.amazon.com/Objects-Quick-Start-Basic-Recipe-ebook/dp/B00H6DAR6Q

PHP Data Objects Quick Start is a short guide to common Structured Query Language (SQL) operations such as create, read, update and delete (CRUD) that you would perform while working with the PHP Data Objects (PDO) extension.
Books Deals

Amazon Coupons
Johnny Cash The Legend (Box Set) @ www.walmart.com
Added on : Monday January 06th 2014 05:00:07 PM
g: 1 Posted By: jaymanthegreat
Views: 289 Replies: 0 The Legend (Box Set)

Online Price: $29.88

List Price: $49.98

You Save: $20.10 (40%)

Track Listings:

Disc 1 (of 4):
1.Keep On The Sunny Side
2.Diamonds In The Rough
3.(There'll Be) Peace In The Valley
4.Were You There (When They Crucified My Lord)
5. Another Man Done Gone - Johnny Cash & Anita Carter
6.Pick The Wildwood Flower
7. Jackson
8.If I Were A Carpenter
9. Girl From The North Country
10.One More Ride
11.You Can't Beat Jesus Christ
12.There Ain't No Good Chain Gang - Johnny Cash, Waylon Jennings
13.We Ought To Be Ashamed
14.Crazy Old Soldier - Featuring Ray Charles
15. Silver Haired Daddy Of Mine
16. Listen Who's Gene Autry?
17. The Night Hank Williams Came To Town
18.I Walk The Line (Revisted)
19.Highwayman - Featuring Kris Kristofferson
20.The Wanderer
21.September When It Comes
22.Tears In The Holston River
23.Far Side Banks Of Jordan
24.It Takes One To Know Me

Disc 2 (of 4):
1. I Walk The Line
2.There You Go
3.Home Of The Blues
4.Ballad Of A Teenage Queen
5.Guess Things Happen That Way
6.The Ways Of A Woman In Love
7. Don't Take Your Guns To Town
8.Ring Of Fire
9. The Matador
10.Understand Your Man
11.The Ballad Of Ira Hayes
12.Orange Blossom Special
13.The One On The Right Is On The Left
14.Rosanna's Going Wild
15.Folsom Prison Blues
16.Daddy Sang Bass
17.A Boy Named Sue
18.What Is Truth
19.Sunday Mornin' Comin' Down
20.Flesh And Blood
21.Man In Black
22.A Thing Called Love
23.Kate
24.Oney
25.Any Old Wind That Blows
26.One Piece At A Time
27. (Ghost) Riders In The Sky

Disc 3 (of 4):
1.The Wreck Of The Old 97
2.Rock Island Line
3.Goodnight Irene
4.Goodby, Little Darlin'
5.Born To Lose
6.Walking The Blues
7. Frankie's Man, Johnny
8.Delia's Gone
9.In The Jailhouse Now
10.Waiting For A Train
11.Casey Jones
12.The Legend Of John Henry's Hammer
13.I've Been Working On The Railroad
14.Sweet Betsy From Pike
15.The Streets Of Laredo
16.Bury Me Not On The Lone Prairie
17. Down In The Valley
18.Wabash Cannonball
19.The Great Speckle Bird
20.Wildwood Flower
21.Cotton Fields
22.Pick A Bale O' Cotton
23.Old Shep
24.I'll Be All Smiles Tonight
25. I'm So Lonesome I Could Cry
26.Time Changes Everything

Disc 4 (of 4):1
1. Hey Porter
2.Cry, Cry, Cry
3.Luther Played The Boggie
4.Get Rhythm
5.Give My Love To Rose
6.I Was There When It Happened
7. Big River
8.I Still Miss Someone
9.Pickin' Time
10. The Man On The Hill
11. Five Feet High And Rising
12. Tennessee Flat-Top Box
13. I Got Stripes
14. Troublesome Waters
15. The Long Black Veil
16. Dark As A Dungeon
17. The Wall
18.25 Minutes To Go
19.Cocaine Blues
20.Doin' My Time
21.I Will Rock And Roll WIth You
22.Without Love
23.The Big Light
24.Highway Patrolman
25.I'm Never Gonna Roam Again
26. When I'm Gray
27. Forever Young

About the Album:
Johnny Cash, more than any other singer/songwriter that has ever lived, deserves the tag legend. Cash, an original in a world of imitators, garnered respect from musicians of all stripes and had an influence on nearly every genre of music. The soul rattling baritone, the canyon deep stare, the dog sly grin, the wicked sense of humor, all these things made the 'Man in Black' a giant in Nashville and beyond. The Legend collects 104 of Cash's recordings on four CDs.Whether he was cutting traditional folk songs ("The Wreck Of The Old 97," "The Streets Of Laredo") or numbers by Hank Williams and Bob Dylan ("I'm So Lonesome I Could Cry," "Forever Young"), Cash sounded like no other. Bruce Springsteen's "Highway Patrolman" becomes a haunting tale of regret and surrender when sifted through Cash's husky voice. Tracks like "Goodnight Irene" and the controversial "Cocaine Blues" may have come from the blues world, but Cash turned them into country songs. The latter track, recorded live at Folsom Prison in 1968, rings with the raw emotion of a man who knew all too well about addiction.From the boom-chicka-boom of such Cash classics as "Big River" and "Cry, Cry, Cry," to witty hits "A Boy Named Sue" and "One Piece At Time," The Legend exposes all sides of the 'Man in Black.' The Christian side of Cash shows up on "Were You There (When They Crucified My Lord)," performed here with the Carter Family, and "If I Were A Carpenter," a duet with wife June Carter Cash. The flesh side of Cash is present on the tormented "Sunday Mornin' Comin' Down" and "Folsom Prison Blues," on which Cash sings the famous line: "I shot a man in Reno just to watch him die."Producer Gregg Geller searched through hundreds of tapes to come up with seven unreleased tracks, including the rollicking "Doin' My Time " and a dusty-throated version of "I've Been Working On The Railroad." Rodney Crowell's "I'm Never Gonna Roam Again" and Billy Joe Shaver's "You Can't Beat Jesus Christ" are standout cuts among the unreleased tracks. "Ring Of Fire," "Highwayman," "Man In Black," "I Still Miss Someone," along with later recordings "Tears In The Holston River" and "September When It Comes," are just a few highlights on a collection with far too many to mention.The set includes a nicely designed booklet with dozens of photos, a lengthy essay from Patrick Carr and extensive song credits. The Legend is arguably the best Johnny Cash retrospective ever assembled.

By Todd Sterling

http://Lb4a15188b1eef7211731473e3ae971e6
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Walmart Coupons
The Legend (Box Set) @ www.walmart.com
Added on : Monday January 06th 2014 04:00:05 PM
g: 0 Posted By: jaymanthegreat
Views: 42 Replies: 0 The Legend (Box Set)
Online Price: $29.88List Price: $49.98You Save: $20.10 (40%)Track Listings:

Disc 1 (of 4):
1.Keep On The Sunny Side
2.Diamonds In The Rough
3.(There'll Be) Peace In The Valley
4.Were You There (When They Crucified My Lord)
5. Another Man Done Gone - Johnny Cash & Anita Carter
6.Pick The Wildwood Flower
7. Jackson
8.If I Were A Carpenter
9. Girl From The North Country
10.One More Ride
11.You Can't Beat Jesus Christ
12.There Ain't No Good Chain Gang - Johnny Cash, Waylon Jennings
13.We Ought To Be Ashamed
14.Crazy Old Soldier - Featuring Ray Charles
15. Silver Haired Daddy Of Mine
16. Listen Who's Gene Autry?
17. The Night Hank Williams Came To Town
18.I Walk The Line (Revisted)
19.Highwayman - Featuring Kris Kristofferson
20.The Wanderer
21.September When It Comes
22.Tears In The Holston River
23.Far Side Banks Of Jordan
24.It Takes One To Know Me

Disc 2 (of 4):
1. I Walk The Line
2.There You Go
3.Home Of The Blues
4.Ballad Of A Teenage Queen
5.Guess Things Happen That Way
6.The Ways Of A Woman In Love
7. Don't Take Your Guns To Town
8.Ring Of Fire
9. The Matador
10.Understand Your Man
11.The Ballad Of Ira Hayes
12.Orange Blossom Special
13.The One On The Right Is On The Left
14.Rosanna's Going Wild
15.Folsom Prison Blues
16.Daddy Sang Bass
17.A Boy Named Sue
18.What Is Truth
19.Sunday Mornin' Comin' Down
20.Flesh And Blood
21.Man In Black
22.A Thing Called Love
23.Kate
24.Oney
25.Any Old Wind That Blows
26.One Piece At A Time
27. (Ghost) Riders In The Sky

Disc 3 (of 4):
1.The Wreck Of The Old 97
2.Rock Island Line
3.Goodnight Irene
4.Goodby, Little Darlin'
5.Born To Lose
6.Walking The Blues
7. Frankie's Man, Johnny
8.Delia's Gone
9.In The Jailhouse Now
10.Waiting For A Train
11.Casey Jones
12.The Legend Of John Henry's Hammer
13.I've Been Working On The Railroad
14.Sweet Betsy From Pike
15.The Streets Of Laredo
16.Bury Me Not On The Lone Prairie
17. Down In The Valley
18.Wabash Cannonball
19.The Great Speckle Bird
20.Wildwood Flower
21.Cotton Fields
22.Pick A Bale O' Cotton
23.Old Shep
24.I'll Be All Smiles Tonight
25. I'm So Lonesome I Could Cry
26.Time Changes Everything

Disc 4 (of 4):1
1. Hey Porter
2.Cry, Cry, Cry
3.Luther Played The Boggie
4.Get Rhythm
5.Give My Love To Rose
6.I Was There When It Happened
7. Big River
8.I Still Miss Someone
9.Pickin' Time
10. The Man On The Hill
11. Five Feet High And Rising
12. Tennessee Flat-Top Box
13. I Got Stripes
14. Troublesome Waters
15. The Long Black Veil
16. Dark As A Dungeon
17. The Wall
18.25 Minutes To Go
19.Cocaine Blues
20.Doin' My Time
21.I Will Rock And Roll WIth You
22.Without Love
23.The Big Light
24.Highway Patrolman
25.I'm Never Gonna Roam Again
26. When I'm Gray
27. Forever Young

About the Album:
Johnny Cash, more than any other singer/songwriter that has ever lived, deserves the tag legend. Cash, an original in a world of imitators, garnered respect from musicians of all stripes and had an influence on nearly every genre of music. The soul rattling baritone, the canyon deep stare, the dog sly grin, the wicked sense of humor, all these things made the 'Man in Black' a giant in Nashville and beyond. The Legend collects 104 of Cash's recordings on four CDs.Whether he was cutting traditional folk songs ("The Wreck Of The Old 97," "The Streets Of Laredo") or numbers by Hank Williams and Bob Dylan ("I'm So Lonesome I Could Cry," "Forever Young"), Cash sounded like no other. Bruce Springsteen's "Highway Patrolman" becomes a haunting tale of regret and surrender when sifted through Cash's husky voice. Tracks like "Goodnight Irene" and the controversial "Cocaine Blues" may have come from the blues world, but Cash turned them into country songs. The latter track, recorded live at Folsom Prison in 1968, rings with the raw emotion of a man who knew all too well about addiction.From the boom-chicka-boom of such Cash classics as "Big River" and "Cry, Cry, Cry," to witty hits "A Boy Named Sue" and "One Piece At Time," The Legend exposes all sides of the 'Man in Black.' The Christian side of Cash shows up on "Were You There (When They Crucified My Lord)," performed here with the Carter Family, and "If I Were A Carpenter," a duet with wife June Carter Cash. The flesh side of Cash is present on the tormented "Sunday Mornin' Comin' Down" and "Folsom Prison Blues," on which Cash sings the famous line: "I shot a man in Reno just to watch him die."Producer Gregg Geller searched through hundreds of tapes to come up with seven unreleased tracks, including the rollicking "Doin' My Time " and a dusty-throated version of "I've Been Working On The Railroad." Rodney Crowell's "I'm Never Gonna Roam Again" and Billy Joe Shaver's "You Can't Beat Jesus Christ" are standout cuts among the unreleased tracks. "Ring Of Fire," "Highwayman," "Man In Black," "I Still Miss Someone," along with later recordings "Tears In The Holston River" and "September When It Comes," are just a few highlights on a collection with far too many to mention.The set includes a nicely designed booklet with dozens of photos, a lengthy essay from Patrick Carr and extensive song credits. The Legend is arguably the best Johnny Cash retrospective ever assembled.By Todd Sterlinghttp://www.walmart.com/ip/4029638
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Walmart Coupons
best credit cards for those who pay off their monthly balances?
Added on : Monday January 06th 2014 02:00:07 PM
g: 0 Posted By: ablang
Views: 212 Replies: 2 Is it better to have a 2-6% rewards Cash Back card or a miles rewards card w/ an annual fee?

I know a principal engineer at work who charges and pays off $2k/month on their miles credit card so he earns free flier miles every year.
Meanwhile, I'm making a measly 2-6% on my CB CCs. If I ever do take any trips where I need to fly it would only happen once every few years, and it would most likely be international more than domestic.
Credit Deals
BMC Software (symbol BMC) is now a Private Company
Added on : Monday January 06th 2014 01:00:12 PM
g: 0 Posted By: agawam
Views: 9 Replies: 0 I owned a few shares of BMC stock which has now become a private company. My common shares have been bought back in 2013 at a small profit to me. Since this was a transaction that I did not initiate, Firstrade did not generate a confirmation statement for the transaction. The only thing I have to reflect this transaction is an entry on my monthly statement that indicates a "Cash Merger" took place. Should I expect to receive a 1099 for this cash merger? The representative at Firstrade did not know nor did he make much of an effort to find out for me. Assuming that I don't get a 1099, how should I reflect this on my taxes? Should I fill out a Schedule D? Thanks.
Investing Deals
g: 0 Posted By: minghi
Views: 161 Replies: 1 I finally opened a business checking account today after a few months of procrastination due to non-availability of any good bonus offers for opening a new account. This isn't as good as the Chase offer from 2011 but pretty decent considering there have been none lately. Good luck. Also, I called the nearest branch but they had no idea how to do this in branch.

http://promo.bankofamerica.com/bizcheckingdualoffer/

Get $100 when you open a Bank of America Business Advantage or Business Fundamentals checking account online by March 31, 2014 and make $1,000 in qualifying deposits within 60 days of new account opening. Every business is different. That's why Bank of America offers checking accounts that fit your unique needs. For larger, more established businesses, Business Advantage checking is an ideal fit. Business Fundamentals checking is a better option for a smaller business with more basic needs. With both checking accounts you can access your account anytime, anywhere, from a computer, tablet or smartphone with Online and Mobile Banking.Choose the one that works for youWith Business Fundamentals you will get:

No monthly fee when you make new qualifying purchases of at least $250 on your Bank of America business debit or credit card
A business employee debit card with detailed record keeping and expense tracking to allow your employees to make purchases for you
A Business Investment savings account with no additional monthly fee
No monthly fee for the first two months.

Pay no monthly fee for the first two months and $18/month thereafter; or pay no monthly fee when you meet one of the following requirements:

A $3,000 minimum daily balance
A $5,000 average monthly balance
A $15,000 combined average monthly balance in linked business accounts

Make $250 in new qualifying purchases each month on your Bank of America business credit or debit card
Deposits Deals
Refi 2nd mortgage only - any lenders willing?
Added on : Sunday January 05th 2014 12:00:02 AM
g: 0 Posted By: finalpendragon
Views: 1 Replies: 0 Are there any lenders who would be willing to do a refi on a second mortgage, or maybe do an HE loan that would pay off the original 2nd? Okay, I know the obvious question is "Why not just refi both loans together?". You see my second mortgage has a rate of 8.25% while my first mortgage was refi'd last year at 3.5%. With the current market rates being about 4.5%, and the second mortgage being so much smaller than the first, it doesn't offer me any advantage to combine the two into a higher rate. Here are the numbers:
first mortgage (3.5%) $330k second mortgage (8.25%) $48k LTV 75%
Because the LTV is less than 80%, it seems plausible to think that I can refi or use an HE to pay off the second lien. But is it? I went through the interview process with one lender already this week only to be turned down. It's a pretty time-consuming process! So I'm wondering if it's worth trying again with other lenders or if I'd just be wasting my time. The few other threads that touched on this subject were very old. Does anyone know of a lender who's willing to refi a second in the current market?
Free 1 Yr Prime + $100+ Amex Blue App
Added on : Saturday January 04th 2014 04:00:07 PM
g: 4 Posted By: gisele2828
Views: 2698 Replies: 10 My title was limited to a few characters?

Free 1 yr Amazon Prime + $100 & up to 6% back Blue Preferred Card from American ExpressFree 1 Year Amazon Prime + $100 & Up to 6% Cash Back Blue Cash Preferred Card from American Express
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1Sale.com Coupons
mAOR Results for Cap1 VC/Arrival/Chase SWA
Added on : Saturday January 04th 2014 02:00:05 PM
g: 0 Posted By: ymarker
Views: 125 Replies: 2 Just did a mini-AOR with 3 credit cards applied a few seconds apart, waited for approval screen prior to clicking apply on the next app. Always appreciated other folks posting their experience so as to adjust my own strategy, so hopefully this helps someone. Each numeral below links to the app I used (most found here or FT):

1) Barclays Arrival 40k w/$1k spend $89 fee waived 1st year: Approved $10,000 cl
2) Chase SWA Premier 50k w/$2k spend $99fee not waived: Approved $15,500 cl
3) Cap1 VC 50k w/$3k spend $0 AF: Approved $10,000 cl

Credit Karma Score this morning prior to app: 782. Equifax FICO 787 as of last week. Fortunately did not have to call recon on any of the apps, unlike in the past, especially with chase.

Was anxious about Barclays as they had denied my last app when attempting to churn the NFL card about 4-5 months ago. Had churned Chase SWA before, several times, though this is my first premier. Saved Cap 1 VC last as there was concern of the tri-bureau pull.

Concerns:
Would like to get another Chase Business SWA card to get closer to companion pass (another $2k spend). Also would have liked to apply for Citi AAdvantage 50k (another $3k spend). Don't think I can hit the additional marginal spend easily such that the ROI wrt time / enjoyment / ease is questionable, though leaving this as a possibility. Also concerned about excessive chase churn and risking blacklisting or losing my existing UR points. Churned swa about 3 times now, and 1x each of ink bold (still have), 1x CSP (downgraded to no fee now after harvesting, though should probably get rid of it now for possible future churn?). I don't have any big trips planned so harvesting the arrival may be of concern, though I imagine I have till Jan 2015 to harvest, prior to the fee hitting.

Meeting Spend:
For the current spend, I can wipe out the Cap1 VC with AP ($1k / month for three months). The remaining two - Arrival and SWA total $3k spend which in the next next three months equals to $1000/month everyday spending which is manageable without any undue effort.
Discussion Deals
Free 1 Yr Prime + $100+ Amex Blue App
Added on : Saturday January 04th 2014 01:00:10 PM
g: 1 Posted By: gisele2828
Views: 552 Replies: 3 My title was limited to a few characters?

Free 1 yr Amazon Prime + $100 & up to 6% back Blue Preferred Card from American ExpressFree 1 Year Amazon Prime + $100 & Up to 6% Cash Back Blue Cash Preferred Card from American Express
Services Deals

1Sale.com Coupons
Free Kindle Book- The Remnant - The Jewish Resistance in WWII
Added on : Saturday January 04th 2014 08:00:06 AM
g: 0 Posted By: remick
Views: 34 Replies: 0 http://www.amazon.com/dp/B0017Y914Y

4.5 out of 5 stars (53 customer reviews)

In this stunning and compelling WWII historical novel about the Jews who were able to remain free and fight, Seiden documents their survival, their suffering, their missions and their guerrilla warfare tactics against the Nazi occupation forces.

Also, well documented, the tragedy of Kiev and now infamous ravine of Babi Yar where it is thought that nearly a million people, Jews and non-Jews alike were massacred. These brave few escaped the certain death of their co-religionists by acts of bravery and sheer determination to live. The myth that the Jewish people 'went to their deaths like sheep to slaughter. . .' is put to rest forever in the stories of "The Remnant."
Books & Magazines Deals
Amex Blue Cash Prefered Promotion Not Received Due to Another Blue Card
Added on : Saturday January 04th 2014 05:00:06 AM
g: 0 Posted By: MsEmptyWallet
Views: 54 Replies: 4 Hello Dear Forum,

I hope I can get some constructive advise to get this issue resolved.

I applied for Amex Blue Cash Preferred (BCP) in Aug of 2013 under the promotional terms of $250 reward dollars for $1000 spend in 3 months.

I spent the $1000 but didn't receive the $250 promotional offer. I came to find out that it was because I had another Blue Cash card open (non-preferred kind). I had an Amex Delta Skymiles card 2-3 years ago and when I called to close it the rep wanted to keep my business and did a conversion to the regular Blue Cash card. So technically the BCP was the first and only app I have ever had with Amex. But I see how the system sees it that I have two different Blue Cards presently and is invalidating my promotional offer on the BCP card.

Though the reps and supervisors have been helpful and tried to force the system to credit the $250 they haven't been able to.

Am I SOL?

Is there any other way here to get my $250?

Can I cancel mynon-prefered BC card and after a few weeks try tosee if the system will allow the $250 promotional offer to be posted to the account?

Should I try contacting the Amex executive offices for a one time courtesy credit of the $250 promotional dollars?

Any other ideas? Thank you very much for reading and for any suggestions provided.
Credit Deals
Free at Safeway - Pom Wonderful and Orchard Bars - Just for U Members
Added on : Saturday January 04th 2014 04:00:07 AM
g: 0 Posted By: remick
Views: 28 Replies: 0 http://www.safeway.com/ShopStores/Offers-Landing-IMG.page

Click on Personalized Deals. Find the free deals and click the Add to My Card button to load them to your safeway Club Card
Staples B&M ipod cases $2 clearance YMMV
Added on : Friday January 03rd 2014 04:00:06 PM
g: 0 Posted By: salogan
Views: 338 Replies: 1 XtremeMac brand various styles protective cases hard and soft

found them in an aisle display near the camera/storage/ink section near the front of the store

I bought two for my ipod touch 4

there were a few for ipod touch 2

and square ones --- ipod nano?

also some for the "new" ipod touch -- 5 maybe?

MP3 & iPods Deals

Staples Coupons
'Cars on American Roads are Older Than Ever' (WSJ)
Added on : Friday January 03rd 2014 11:00:19 AM
g: 0 Posted By: tuphat
Views: 0 Replies: 0 Excerpt:

Vehicles on U.S. roads have never been older, now averaging 11.3 years, as the quality of vehicle construction has improved and the economic slowdown of the past four years combined to keep people in vehicles longer, according to recent research from IHS Automotive.

The average age of a vehicle will continue to increase over the next few years, but at a slower pace, rising to a forecasted 11.5 years through 2018.

http://blogs.wsj.com/corporate-intelligence/2013/12/26/cars-on-a...
E.L.F. Cosmetics: BOGO 50% Off Sitewide w/ Code BOGO50 on $20.14+ & FS
Added on : Friday January 03rd 2014 11:00:17 AM
g: 2 Posted By: heyyl0w
Views: 390 Replies: 4 E.L.F. has 50% Off Sitewide w/ Code "BOGO50" on orders $20.14 and up. Free Shipping on orders of $35 and up. Linky

BOGO50 expires on 1/6/14.

A few deals I found:

Waterproof Eyeliner Pen (Assorted Colors)- $2.00
Essential Lip Stain- $2.00
Studio Makeup Lock & Seal- $3.00
Studio Makeup Mist & Set- $3.00
Contouring Brush & Bronzer- $3.00 (accompanying brushalso $3)

Discount is calculated as 25% off each item. Maximum Discount $100
Beauty Deals

e.l.f. Cosmetics Coupons
E.L.F. Cosmetics: 50% Off Sitewide w/ Code BOGO50 on $20.14+ & FS
Added on : Friday January 03rd 2014 10:00:04 AM
g: 1 Posted By: heyyl0w
Views: 209 Replies: 0 E.L.F. has 50% Off Sitewide w/ Code "BOGO50" on orders $20.14 and up. Free Shipping on orders of $35 and up. Linky

BOGO50 expires on 1/6/14.

A few deals I found:

Waterproof Eyeliner Pen (Assorted Colors)- $2.00
Essential Lip Stain- $2.00
Studio Makeup Lock & Seal- $3.00
Studio Makeup Mist & Set- $3.00
Contouring Brush & Bronzer- $3.00 (accompanying brushalso $3)
Beauty Deals

e.l.f. Cosmetics Coupons
Groupon: Over 50% Off Bathroom Deals
Added on : Friday January 03rd 2014 04:00:03 AM
g: 0 Posted By: chapmanra2013
Views: 45 Replies: 0 Groupon is offering Over 50% Off Bathroom Deals.

A few cool items:

Conair Thermaluxe Towel Warmers- $39.99 ($92.99 MSRP)
DreamSpa 7-Setting Rainfall Hand Shower- $22.99 ($78.40 MSRP)
DreamSpa Ultra Luxury 5-Setting LED Shower- $26.99 ($59.95 MSRP)
Vinyl Shower Curtain w/ Mesh Pockets- $11.99 ($22 MSRP)
Escali BFBW200 Digital Body Fat and Water Scale- $26.99 ($79.95 MSRP)

Home & Garden Deals

Groupon Coupons
g: 1 Posted By: bpvh
Views: 18 Replies: 0 100% Back in Rewards on Select Office Supplies for Office Depot Rewards Members ~ Jan 5-11, 2014


Office Depot offer 100% back in Reward Bucks on select office supplies for the week of January 5 through 11, 2014.

http://officedepot.shoplocal.com/


Pilot G-2 Retractable Gel Pens, 12-PK - Black, Item #790-761
Pilot G-2 Retractable Gel Pens, 12-PK - Red, Item #790-841
Pilot G-2 Retractable Gel Pens, 12-PK- Blue, Item #790-801

Office Depot Brand Manila File Folders, 100-PK, Item #810-838
Office Depot Brand Hanging Folders, Green, 25-PK, Item #810-994

Bankers Box Basic Strength Corrugate Filing/Storage Boxes 10-PK, Item #287-154

PaperPro Desktop Stapler, Item #475-166

Avery White Laser Address Labels, 3000-PK, Item #364-364

Energizer Max Alkaline AA Batteries, 24-PK, Item #626-049

3M Scotch Tape, 10-PK, Item #489-461


A few points to keep in mind:

This is a Rewards BUCKS offer so no 1000 point payout increments to worry about.
To date, an "item" has been a distinct SKU.
Coupons, rewards and merchandise cards will reduce the rewards payout. Gift cards are OK.
Unlike Rewards POINTS offers, Rewards BUCKS offers are not noted on the rewards account until the Rewards BUCKS are made available.
The terms state the Rewards BUCKS will be made available in 5 weeks. At least with the only other Rewards BUCKS offer -- the recent battery offer -- the Rewards BUCKS were made available much sooner for most purchases.


Terms:

Office Depot Reward Bucks: You will no longer receive rewards by mail. Members without a username and password must create them when logging in to their account at officedepotrewards.com [officedepotrewards.com] and will receive all future rewards online. Offer valid 1/5/14 1/11/14 11:59 PM ET in-store, online, by phone or fax. Limit 2 of each item per member per day. Your Office Depot Reward Bucks will be available in about 5 weeks. Office Depot Rewards: Points are earned on the price paid for a qualifying item before tax and after deducting all discounts and the value of any Office Depot Rewards or Merchandise Cards/Certificates applied to purchase. Visit officedepotrewards.com or call 866.562.3872 for Terms and Conditions.


Copied from SD's xlnc


Office & School Supplies Deals

Office Depot Coupons
balsa wood models/puzzles for $1.29 @ harbor freight, some in store only
Added on : Thursday January 02nd 2014 04:00:05 PM
g: 1 Posted By: bachrach44
Views: 315 Replies: 1 Harbor Freight has several balsa wood models on sale for 1.29 each. I picked up a few of the dinosaur ones for my kids in store today. They're not big - maybe 6 or 8 inches tall, but should still be fun for kids (or adults ) in the right age range. For some reason they're not all showing up online, and the 6 dinosaurs I got all have one of two SKUs, which makes it hard to search for them. You may have to go to a store for some of these

Dinosaurs:
T-Rex
Apatosaurus(this is the SKU all of them use - listed as in store only on the website)
Spinosaurus (amazon linkfor product description)
Styracosaurus
Dimetrodon (amazon linkfor product description)
Brachiosaurus (amazon link for product description)
Parasurolophus (Amazon linkfor product description)
Plesiosaurus (same SKU as the T-Rex above)

others:
insect
airplane

Also if you buy today (Thurs), don't forget to use this coupon for a free tarp:
http://www.fullofdeals.com/forums/hot-deals/1329747/

and if you buy tomorrow (Fri), use this coupon for a free worklight:
http://www.fullofdeals.com/forums/hot-deals/1329745/

You can also use this coupon till 1/31/2014 for 20% off one item, but since these are 1.29 a piece that doesn't really save you much.
http://www.harborfreight.com/20off-coupon912-aff-11.html
Toys Deals

Harbor Freight Tools Coupons
Maxing out retirement - what to do next?
Added on : Thursday January 02nd 2014 03:00:07 PM
g: 0 Posted By: CaptainHuey
Views: 200 Replies: 5 My wife and I are fortunate enough to be able to max out our 401k's and Roth IRA's (viayearlybackdoor conversions). With my 401k match, we put away ~$50k in 2013 towards retirement and we are in our mid/late 30's. We have been doing this level of maxing-out for close to a decade (at whatever the limits were), so our combined retirement balance is pretty good given our age.

We also own a nice home in a pricey area where we have 30%+ equity and it is being financed over 15 years at 3% fixed. The house should be paid off when our oldest child is of college age and our average age would be ~50. I think that we should have a very comfortable retirement with 10-12k/month, and I think we are on track for that (especially if the massive mortgage payment goes away ~15 years prior to retirement).

All that said, we have a few tens of thousands in savings not earning much and with the prospect of padding on to that with additional savings from leftover funds, the question is, what to do with the money?

-Munis? Seems like relatively low yield and ties the money up.
-Taxable investment account? Probably will go this route and buy index funds.
-Rental property? I am VERY handy, but I live around a pricey area, so it is not so easy to find a rental property that seems like a "slam-dunk" investment. Example: The best I've found is a 4-unit (all 1BR/1BA units) in average shape & location selling for over 500k with a profit of 39k/year assuming all four units are rented. I then have to pay the mortgage from that - figure ~30k/year (20% down) for a net profit of around 10k/year. Nothing else comes close.
-Buy small business and have someone run it? Could be profitable if properly vetted but always risky to have someone else run it.

Thoughts on what to do or anything else I mentioned?

Investing Deals
g: 2 Posted By: labboypro
Views: 271 Replies: 2 http://www.jambajuice.com/campaigns/january-offer?

Offer valid 1/3/2014-1/7/2014 at participating locations for a small $2 Whole Food Nutrition Smoothie or Fit 'n Fruitful Smoothie. Offer specifically not valid at safeway, Vons, Downtown Disney and Pavilions Jamba Juice locations. Coupon must be presented at time of purchase to receive discount and does not include applicable tax. Jamba Juice Company 2014.
Restaurants & Entertainment Deals
Resign or wait for layoff or be fired?
Added on : Thursday January 02nd 2014 08:00:11 AM
g: 0 Posted By: W7414
Views: 328 Replies: 14 In a recent re-org my job role was changed (same salary of $120K) and was told that the re-org did not have any RIF (Reduction in Force). I now report up thru someone who I have had tiff with previously. A few days after the re-org, I was told that my job role changed because apparently I told my direct report what to do, instead of teaming up with them on what needs to be done. I couldn't recollect a situation when this happened, but I didn't want to argue, knowing who I report to now. I was also told that I can accept my changed role and be happy about it or keep fuming about it.

Since the reorg, there is almost no work coming my way and the ones I get are things that others don't want to do - like being a silent scribe in the meetings, where I used to run similar meetings and be a big contributor.

Its hard coming to work everyday on time, do nothing and leave, but I am trying to think of this as a business decision and not get emotional about it. I am working with senior management of a different company towards a new job role (being carved out for me) that I expect to materialize in the next 8-10 weeks.

Based on the company's policies, if they lay me off, they will have to pay closer to $60K as severance. My preference is to get laid off, given the current situation. My formal performance review is coming up in the next 5 weeks and I know they will come out and say I am not meeting their expectations.

Is there anything I can be doing to prevent me from getting fired for the next 8-10 weeks. Is there anything I can be doing so they will lay me off?
Personal Finance Deals
Amazon - 8 Free Beth Moore Kindle Books Today only 1/2/14
Added on : Thursday January 02nd 2014 06:00:06 AM
g: -2 Posted By: grt8day
Views: 342 Replies: 1 The Beloved Disciple
Believing God
Jesus, the One and Only Praying God's Word: Breaking Free from Spiritual StrongholdsBelieving God (Member Book)A few other titles available. Also, Nook additions are available via Barnes & Noble.

http://www.amazon.com/Praying-Gods-Word-Spiritual-Strongholds-ebook/dp/B004SP91IU/ref=la_B001IGNYS0_1_6?s=books&ie=UTF8&qid=1388679888&sr=1-6
Books Deals

Amazon Coupons
$1.25 off totinos
Added on : Wednesday January 01st 2014 01:00:07 PM
g: 0 Posted By: lordoffire
Views: 132 Replies: 0 Printable coupon for $1.25 off any totinos rolls snacks: www.coupons.com
use zip 77477 if needed, look a few pages in under food

good through the end of the month
Frozen Goods Deals
Just how unique was the run up in the market this year?
Added on : Wednesday January 01st 2014 09:00:10 AM
g: 0 Posted By: packers9626
Views: 193 Replies: 1 There was a 32.4% run up on stocks in the S&P 500 this year. I am relatively young and have only had money available to invest for the last few years. My basic strategy so far has been to buy large, well established companies with a good business who have stocks that are selling at a significant discount. Those kind of stocks are becoming very hard to find in this environment.

What kind of strategies would you recommend in the current market? I do not have a mortgage or any debt worth paying off to spend my excess money on until market conditions change.
Investing Deals
g: -1 Posted By: remick
Views: 301 Replies: 1 http://www.amazon.com/dp/B005NI7QZG

4.1 out of 5 stars (42 customer reviews)

The Soup and Bread Cookbookaims to explore the social role of soup through a collection of terrific, affordable recipes from food activists, chefs, and others. This quirky exploration of the cultural history of soup as a tool for both building community and fostering social justice is the result of a brainstorm: eating your way through a pot of soup day after day can get boring why not get together and swap some with friends? Now neighbors across the country are getting together regularly for home-based "soup swaps." In Chicago, the arts collective InCUBATE uses soup as a microfunding tool. And of course, soup can be a political statement: the radical volunteers of Food Not Bombs have been providing free vegetarian soup to the hungry as a protest against war and social injustice since 1980. These are just a few examples of the stories Bayne wraps around a collection of delicious, accessible, and tested soup recipes.
Books Deals

Amazon Coupons
Amazon has a few good deals on some PC games
Added on : Wednesday January 01st 2014 09:00:03 AM
g: 0 Posted By: ArtieLange
Views: 158 Replies: 0 Amazon has a few good deals on some PC games

http://www.amazon.com/b/ref=amb_link_397793402_2?ie=UTF8&node=7266959011&pf_rd_m=ATVPDKIKX0DER&pf_rd_s=merchandised-search-2&pf_rd_r=0HNKRV9EFSBCE29ZXNWJ&pf_rd_t=101&pf_rd_p=1710271822&pf_rd_i=979455011
Video Games Deals

Amazon Coupons
g: 0 Posted By: bittul
Views: 206 Replies: 0
www.amazon.com/niceeshop-Stainless-Classic-Engraved-Cufflinks/dp/B00GXX6J2Q/

www.amazon.com/niceeshop-Stainless-Classic-Engraved-Cufflinks/dp/B00GXX6PEI/

www.amazon.com/niceeshop-Silver-Checkers-Cufflinks-Shirt-Pack/dp/B00GXX6QGK/

If you want them as a gift... Spend an extra few cents and get them "Gift Boxed"

www.amazon.com/Laser-Engraved-Checker-Cufflinks-Boxed/dp/B001PPE938/

www.amazon.com/Classic-Laser-Engraved-Cufflinks-Boxed/dp/B001PP7HJG/

www.amazon.com/Enamel-Blue-Cuff-Links-Boxed/dp/B001GS3DFE/

Jewelry Deals

Amazon Coupons
g: 0 Posted By: bittul
Views: 155 Replies: 1 If you missed the +28 Green deal a few months back... Here's another chance... But you only have an hour left!

http://www.amazon.com/gp/product/B000DZGN7Q/


Home & Garden Deals

Amazon Coupons
Best Vehicle for Driving 20k-30k Miles Per Year
Added on : Monday December 30th 2013 06:00:07 PM
g: 0 Posted By: BigManonCampus
Views: 0 Replies: 0 Hello All, who doesn't love a good random vehicle question? I'm considering taking a new job where I will be traveling extensively all over the United States and on the road almost all the time. I've spoken to people who have this job and own vehicles and they have told me that drive between 19k miles (the lowest) and 32k miles (the guy who drove the most). I have two choices for having a vehicle:

Option 1: Rent a car every week on the company's dime, return it and travel with lower level co-worker by bus or plane. Gas is also expensed and there is obviously no maintenance cost, but there is the hassle of picking up and dropping cars every week and I will always have an "intermediate" (Hyundai Elantra, Chevy Cruize, Chrysler 200, etc.) which is far from my dream vehicle.

Option 2: Purchase a car and be reimbursed at the prevailing IRS mileage rate. This seems like it would be the better option because if we assume that the IRS mileage rate will never drop from the current .56 cents per mile, that would be $11,200 (20k miles)-$16,800(30k mileage) every year. In theory, I could buy a brand new lower end domestic car every year/two years just with this reimbursement.

Here's my issue though, if I'm going to spend this much time driving this car, I really want something that I will be comfortable and enjoy driving. I'm 6'6" so the cars will have to be larger to be comfortable, I would prefer a used luxury vehicle that can take lots of highway mileage with minimal repairs. Gas mileage is a secondary concern for me and while it isn't necessary for me to have something that looks cool, it's not a requirement. Here are my ideas thus far:

1. Lincoln Towncar
2. Hyundai Equus
3. Ford Fusion
4. GMC Terrain
5. Chrysler 300

1. The Crown Vic's far more luxurious cousin, the Lincoln Towncar seems like a decent option. From my brief research on Autotrader, it appears I can buy one that is about a decade old with 50-60k miles for under $8k at which point I could in theory buy two every freakin year and almost break even. If I lose an engine on the highway, just go rent a car for a few days and buy another. A strange way to think about this but since they are used so extensively as fleet vehicles, I assume that it's proof that they are reliable with heavy mileage. I've been in the back of a lot of towncars but never driven one, I'm sure they are a boat, but that's to be expected and I've always driven big cars.

2. Hyundai Equus: I sat in one of these at a car show and was blown away by the fit, finish and how comfortable it is. I'm a bit of a geek and so I would love all the toys that would come in it. This would probably be the most expensive of my options but seeing cars that were originally sold for around $60k selling reliably for around $30-35k because the used luxury Hyundai market doesn't seem that great. I would hope to keep the 10 year/100k mile warranty to cover any major powertrain issues for the two/three years until I get up to 100k miles.

3. Ford Fusion: I've rented these a couple of times including for some longer trips and I generally liked them. Good size, decent look, decent mileage, I'd probably attempt to buy a used one under $10k and then drive it till the wheels fell off hoping to pocket as much mileage cash as possible. That being said, I'm not sure that the Fusion would have any advantage over an Impala/Accord/etc. and I should just take the lowest mileage vehicle that passes inspection and buy in cash.

4. GMC Terrain: I rented one of these for two weeks and liked how it drove, decent gas mileage and plenty of space for people and stuff. Generally I would be hauling around nothing but air but occasionally I could see wanting a car full of people and a load of stuff in the back. The big concern that has almost made me drop this from my list is that I've read about a lot of problems with the engines on these vehicles and they are still a bit too expensive to want to risk having to replace an engine in the middle of a long work trip between cities.

5. Chrysler 300: What I really like about these is that they are huge and the nicer trim packages really feel like a decent luxury vehicle. That being said, the gas tanks are massive and it kind of hurts to fill them up. I generally like the look of these vehicles though every one I've driven/ridden in seems exceptionally behind the times in terms of infotainment and car audio.

While the most obvious FWF answer is a civic or something that I can put 100k miles in 3-4 years on and do no work but oil changes, I want something large, that I'll enjoy driving and can take tons of highway mileage and a luxurious interior would help keep me comfortable on weekly 2-3 day car trips. While a luxury car would be preferable, I don't have any requirement that I have a certain vehicle that will impress clients. So FWF, what kind of car would you buy if you were 6'6" and needed to drive more in a year than most people do in 3 years?
Thank you FW members - How did I better my life
Added on : Monday December 30th 2013 10:00:06 AM
g: 0 Posted By: jba
Views: 101 Replies: 0 Thank you FW!

There are certain advancements in my financial life and it would not have made possible without your expert (selfless) advice. Some of them are:

Don't pay off mortgage. Its free money over the years and reinvest. I have made 3x of my investments.
Deals! Deals! Save $$$ on items i need to buy.
Buy only essential and get family latched onto FW posts.
Lots of advices on my few problems (check my past posts).

Thank you! fellow FW members.

Please add yours and appreciate the community.
Discussion Deals
Blue Cash (5% after $6500 spend) Still Available
Added on : Monday December 30th 2013 08:00:07 AM
g: 0 Posted By: dvaught
Views: 85 Replies: 2 Hey everyone. I happened to be reading through a post on myFico and someone mentioned that the Blue Cash (old version) is still available to be applied for. Since I already have a few Amex cards, including the Blue Cash Preferred, I decided to call to see if they would let me switch. Much to my delight, the rep had no trouble switching me to the Blue Cash.

I don't think I have to tell you why this is a big deal.

If you're having trouble finding it on the site, try opening this link in incognito mode in Chrome.https://www304.americanexpress.com/credit-card/blue-cash/

Good luck!
Credit Deals
Important files and passwords
Added on : Monday December 30th 2013 06:00:10 AM
g: 0 Posted By: samandy
Views: 83 Replies: 3 With cloud and web 24 x7, how do you remember store your passwords securely?
How do you protect your soft copies?
Which banks /email accounts offer double protection (One time password to email) or text message before every login>

Few of the ideas I was thinking :
1) Files on password protected hard drives andpasswordprotected fileswheneverpossible. But where do you store all PWs
2) Use double protection whenever possible

Ideas are welcome!!

Discussion Deals
g: 0 Posted By: Kelemvor
Views: 0 Replies: 0 Haven't seen one of these for a while (unless I just suck at searching tonight) but I wanted to see what people are using these days.
I use Mint only because I couldn't stand the old versions 9 or 10 of Yodlee. However, Mint hasn't been updated in years and it's starting to piss me off with all the bugs so I'm again looking to see what's out there. I checked Yodlee again today and see there's a "Labs" version which seems similar to the old "9" version, and they have a newer version which looks like an update to what used to be the "10" version a few years ago. Not sure what the main differences are though.

My personal requirements are:
1) Free
2) That it automatically downloads the transactions from the various banking websites all by itself. That is a huge time saver since we have hundreds of transactions every month.

So, do you use one of the ones I mentioned above? Do you use something else that does or doesn't meat the 2 requirements above? Let's hear what you use and why so anyone can check out the various options out there.

Thanks!
g: 0 Posted By: EatenByGrue
Views: 182 Replies: 4 I am curious if, given my situation, there may be more options open to me than an average first-time home buyer.

- I'm 40 years old, never owned a home, am debt free, and I live in the Silicon Valley of the San Francisco Bay Area.
- I have $150k+ in cash, $2.2M+ in non-retirement investment accounts, and $600k+ in retirement investment accounts (401ks, Rollovers, SEPs, and a Roth).
- My three FICO credit scores are all over 800.

I recently attempted to buy a first home -- my offer was not accepted, but I did have my "eyes opened" (partially) to the process of getting a mortgage by going through a rigorous (some might say proctological) pre-approval process.

I'm still trying to wrap my head around a mortgage's "closing costs" (in my case it was $16k+ for a $625k conforming-for-high-cost-area 30 year fixed loan. I was planning to put 25% down on an $850k house).

A few of the closing cost charges seem reasonable, but things like "loan origination fees" for processing paperwork seem excessive to me.

My mainreason for "borrowing" instead of "paying cash" is to take advantage of the "home mortgage interest deduction" to reduce my annual taxable income. A close second reason for not wanting to pay cash is to avoid creating taxable events by selling $500k+ worth of stock (I rarely sell stocks or funds, I tend to only buy them... So I'd have to sell a lot more to pay capital gains). Lastly, "Opportunity cost" doesn't mean much to me (but I'd take advantage of it for money not tied up in a house).

As I see it, I'm offering to borrow money from a company at 4+% -- seems like a good deal for them. I'm willing to "secure" that loan by using the rest of my nest egg.

If possible, I'd like to avoid paying for "the privilege" of loaning "a great credit risk" like me money. Am I being out-of-touch and unrealistic here?

I've heard of "no closing cost mortgages" where the lender eats their costs to maintain a relationship with the borrower. How do I go about developing one of these relationships?




Real Estate Deals
ways I made extra money in 2013 share yours
Added on : Sunday December 29th 2013 07:00:08 AM
g: 1 Posted By: ultrahuntr
Views: 249 Replies: 1 As I was sitting here cleaning my office I came across a notebook that I logged everything down for the year. I done o.k. but the new year I plan to do better. Heres my list
1. I sold 736.28 in scrap metal (six different trips)
2. Had two yardsales cleared 278.00
3. cleared around 285.00 at Staples. Still have a few items that have not sold yet.
4. Sold 8,244.00 on eBay, unsure of the profit but have 6000. in a savings account.
5. Sold 140.00 of green beans from my garden. although the time I had in these they were not very profitable.
6. made 76.00 with online surveys.

Like I said before I want to do alot better in 2014 and will take any suggestions, or advice (positive or negative) an early happy new year to all.
General Economics Deals
g: 3 Posted By: MISTERCHEAP
Views: 962 Replies: 18 Save your My Coke Rewards 12-pk coupons @ CVS starting 1/5/14


For those who were able to get 12 packs for 30 points from mycokerewards.com a few weeks ago, use them at CVS week of 1/5/14- 1/11/14.

WITH CVS EXTRA CARE CARD

$10 ECB when you spend $30
Coke 12 oz cans 12 pk. 3/$10

NOTE: This promo DOES track, you do not need to buy all 9 in one order since the sale price limit is likely 3 or 6 12 packs.

Depending on how many 12 pack coupons you got during the 30 point promotion, and how many MCR accounts you have, you could end up getting 9 cases of 12 packs and $10 ECB FREE, just pay tax.
Grocery Deals

CVS Coupons
​The North Face Alpine Short - Men's $32.48
Added on : Sunday December 29th 2013 06:00:01 AM
g: 0 Posted By: tedhawkins
Views: 44 Replies: 0 the north face Alpine Short - Men's $32.48

http://www.backcountry.com/the-north-face-alpine-short-mens

Whether you're on a mission to bag a few fourteeners this summer or simply need to stretch your legs after a day of office work, slip on the north face Men's Alpine Short and hit the trail.

A DWR coating sheds lightly falling rain
Lightweight, quick-dry, four-way-stretch nylon handles hikes, bouldering sessions, and impromptu ball games at the park
UPF 50-rated fabric shields your skin from the sun's harmful UV rays
Active fit and gusseted crotch provide plenty of unrestricted movement
Waist snap closure and belt loops offer a secure, comfortable fit
Secure infused rear pocket and hand pockets stash your cell, wallet, and keys
g: 0 Posted By: MISTERCHEAP
Views: 123 Replies: 0 Save your My Coke Rewards 12-pk coupons @ CVS starting 1/5/14


For those who were able to get 12 packs for 30 points from mycokerewards.com a few weeks ago, use them at CVS week of 1/5/14- 1/11/14.

WITH CVS EXTRA CARE CARD

$10 ECB when you spend $30
Coke 12 oz cans 12 pk. 3/$10

NOTE: This promo DOES track, you do not need to buy all 9 in one order since the sale price limit is likely 3 or 6 12 packs.

Depending on how many 12 pack coupons you got during the 30 point promotion, and how many MCR accounts you have, you could end up getting 9 cases of 12 packs and $10 ECB FREE, just pay tax.
Grocery Deals

CVS Coupons
g: -1 Posted By: hasaanchop
Views: 223 Replies: 1 Came across this. Been using ESET for a few years now, pretty awesome at least in my experience. If you choose free shipping, it's $19.99 with the code.

Promo Code:NAFENA1414

Linky
Software Deals

Newegg Coupons
g: 0 Posted By: bittul
Views: 217 Replies: 0 This is an AWESOME price (imho)!

drugstore.com has the Alvita Teas marked down 14-17%.
They're also on sale BOGO free.
They're also taking an additional $15 off orders over $75 (calculates from pre-coupon price)

So, if we add 6 packs of 30 for $5.99 each, and 8 packs of 24 for $4.99 each...

reg. price: ($6.99 x 6) + ($5.99 x 8) = $89.86

sale price: ($5.99 x 6) + ($4.99 x 8) = $75.86

BOGO free: ($5.99 x 3) + ($4.99 x 4) = $37.93

$15 off: (calculates from the $75.86) = $22.93

Free Standard Shipping or Free 2-day with Shoprunner.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

click here,and add desired products to cart.

Then click here.
[If "Special Offer" doesn't show, try private browsing etc. (Mods: link might credit another site, please review the link and replace it if necessary.)]

Next, in cart, enter zip-code and click "get estimate"

Note: There are a few other items that are BOGO as well. As long as your PRE-BOGO price is over $75, you'll get $15 off.



~~~~~~~~~~~~~~
Other BOGO items:
http://www.drugstore.com/user/promo.asp?code=53E2C0B3&trx=GFI&tr...
http://www.drugstore.com/user/promo.asp?code=61FAA233&trx=GFI&tr...
http://www.drugstore.com/user/promo.asp?code=385DF7D5&trx=GFI&tr...
http://www.drugstore.com/user/promo.asp?code=272DD955&trx=GFI&tr...
http://www.drugstore.com/user/promo.asp?code=118112BC&trx=GFI&tr...
Health Deals

drugstore.com Coupons
1.0 mm Derma Roller for Face and Body (40% OFF with code) $9 FS Prime
Added on : Saturday December 28th 2013 09:00:07 PM
g: 0 Posted By: tedhawkins
Views: 199 Replies: 0 1.0 mm Derma Roller for Face and Body (40% OFF with code) $9 FS Prime

http://www.amazon.com/Microneedle-Cellulite-Dermaroller-Producti...

Use 40% OFF code 8TQ7AOT4

The derma roller stimulates collagen production for tighter, firmer and smoother skin. Skin becomes clearer and brighter.
Reduces fine lines, wrinkles and crows feet & drastically improves all types of scars, stretch marks and cellulite.
Short healing time and noticeable improvement in a few days from the first treatment
Cost effective - there's no investment needed unlike equipments such as laser treatments
The derma roller permits extremely high absorption of any active ingredients
Health & Beauty Deals

Amazon Coupons
verizon fios movie deals
Added on : Saturday December 28th 2013 06:00:06 PM
g: 0 Posted By: bimmer93
Views: 231 Replies: 0 If you are a verizon fios subscriber they're discounting movies on Friday's and they have discounted movie weekends on Saturday's and Sunday's.

You can buy these movies on the discounted days and as long as you don't start the movie you have 30 days to watch them.

If you have a wife that keeps buying these movies during non-discount times this is an awesome way to save a few bucks here and there.
Movies Deals

Verizon Wireless Coupons
HELP Needed Understanding Wash Sale Rules
Added on : Saturday December 28th 2013 05:00:05 PM
g: 0 Posted By: fwbuckeye
Views: 69 Replies: 2 So I have read this http://www.tradelogsoftware.com/resources/definitive-guide-to-wa... and other sites http://www.schwab.com/public/schwab/resource_center/expert_insig... about wash sale rules and i am still a little confused. Here is my situation, I bought and sold various stocks in a cash account making a decent gain throughout the year in september and november i bought positions in a new stock. These positions are since down about 40%. Now I bought this stock at various levels on the way down so the initial large purchase has a huge loss but subsequent losses are smaller. So far it's all clear, the tricky part is I also bought the same stock in my Roth IRA and SEP IRA (again a few months ago). I would like to sell the cash account position (if possible only the first purchased one --largest loss to offset the capital gains in other stocks throughout the year). I would like to keep the IRA positions. Everything I read seems to say close out all open positions in which you are taking a large capital loss by the end of the year--I don't think the IRS mandates this but it seems to be general advice. I think the stock will rebound within the next year so I would like to keep the IRA positions since I get no losses from them. I don't want to do anything to jeopardize the large capital loss though so if there's any chance that something will be questioned, I would liquidate the IRA positions. I do plan on buying this stock again in February after the 31 day period has lapsed. Can someone with some experience in this clarify whether I need to sell my IRA holdings if I'm taking the loss and also whether I can keep an open position in the stock (ie some shares I purchased in November and sell only the ones I bought in September). I have about 2 trading days to decide so any help soon would be appreciated.
Discussion Deals
REI 40% off certain clearance items. Today only. In store only. YMMV.
Added on : Saturday December 28th 2013 12:00:05 PM
g: 0 Posted By: jschuk
Views: 422 Replies: 1 My REI, Lakewood CO, today had signs posted stating that today only there is a 40% all items that have a clearance price ending in $.73. There were only a few bins and racks that had these specially priced items, but I was able to get a hold of a 2012 Mountain Hardwear Hammerhead 2 tent for $64.64 ($107.73 - 40% and originally $290). (Can anyone tell me why the 2011 version was $199.73? Was there a design change that made that one more desirable and therefore expensive?) I saw a few other tents, some down sleeping bags, and miscellaneous unboxed shoes/boots. There was clothing too. Hit and miss stuff as you would expect for clearance items, but worth keeping an eye out for if you are at the store anyway. I asked the clerk at checkout and he stated there is a 30 day return window.

Edited for YMMV.
Clothing Deals

REI Coupons
REI 40% off certain clearance items. Today only. In store only.
Added on : Saturday December 28th 2013 11:00:02 AM
g: 0 Posted By: jschuk
Views: 50 Replies: 0 My REI, Lakewood CO, today had signs posted stating that today only there is a 40% all items that have a clearance price ending in $.73. There were only a few bins and racks that had these specially priced items, but I was able to get a hold of a 2012 Mountain Hardwear Hammerhead 2 tent for $64.64 ($107.73 - 40% and originally $290). (Can anyone tell me why the 2011 version was $199.73? Was there a design change that made that one more desirable and therefore expensive?) I saw a few other tents, some down sleeping bags, and miscellaneous unboxed shoes/boots. There was clothing too. Hit and miss stuff as you would expect for clearance items, but worth keeping an eye out for if you are at the store anyway. I asked the clerk at checkout and he stated there is a 30 day return window.
Clothing Deals

REI Coupons
g: 0 Posted By: eandtee
Views: 7 Replies: 0 Musicians Friend has the highly ratedD'Addario NS Micro Headstock Tunerfor 11.62 with a second one free.
Place one in your cart and the second tuner will automatically be shown as a free gift. Works for multiples too.
Free shipping and no tax for most.

This unit gets very strong reviews at Musicians Friend and Amazon as well as good video reviews.
Amazon has it for $11.62 as well, but no BOGO deal there.
It's small enough to place and leave on a headstock, while playing or storing in a case.
I ordered a few more an hour ago and figure to put one on each guitar. Now I won't have to remember in which case I left the tuner.

I just noticed Musicians Friend now says, "Notify me when this is in stock", but it also says,Order Now! Expected to ship 12-28-2013.That's tomorrow.
.
Honda Lease Ends in Sept 2014 - Tips?
Added on : Friday December 27th 2013 04:00:06 PM
g: 0 Posted By: Jimgotkp
Views: 37 Replies: 0 I currently have a 2008 Honda Civic LX and the lease is ending in early September. Since I feel like the financing manager screwed me with the monthly payment, I don't want to get screwed again once my lease ends. Personally, I'd like to avoid Honda again since I haven't had a good experience with any of their dealerships or HFS.

I'm currently eyeballing an Infiniti G37 that has roughly the same monthly payment as what I'm paying right now... I heard I can possibly get some equity onto the new leased car, depending on my payoff amount.

Any tips or recommendations on what I should do before the lease ends? I read a few threads and I read that I should contact Carmax and see what they're offering for my vehicle?
Personal Finance Deals
g: 0 Posted By: flyhighutah
Views: 130 Replies: 0 WalMart
LINK
Car stereo installation guide LINK
For those who missed the deal few days ago @ $15
Electronics Deals

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

I'm not sure of my exact credit score, but I don't carry balances and have a few cards with zero balances. Should I let them raise it or leave it alone? I never get close to my max on any card I have. I guess it would increase my utilization? Please advise?
Credit Deals
Renting vacation home insurance
Added on : Thursday December 26th 2013 03:00:07 PM
g: 0 Posted By: money2011
Views: 18 Replies: 1 I will be renting a vacation home in Oregon for at least 30 days to possibly 90 days because I need have work in that area. I am unsure as to whether or not to buy either travel insurance or renters insurance. Reading a few policies it would seem that travel insurance does not cover rental property unless it is a rental car ( in some cases). However, since this rental property contract explicitly states that it cannot be used as a permanent residence I am not sure if renters insurance would cover it either.

What should I buy to cover my ass?
Question Deals
Planet Fitness Contract -- Canceling without fees?
Added on : Thursday December 26th 2013 09:00:08 AM
g: 0 Posted By: musicmaster
Views: 82 Replies: 1 I'm considering joining Planet Fitness ($10/month) for a few months as the weather has been horrible here in Chicago and honestly, I want to run inside once in awhile. I plan on quitting come March when it's nice out again.

Looking over their contract, I want to make sure I'm understanding this OK: If I cancel any time before October, I don't have to pay the $29 annual fee. Also that I can cancel for any reason without fee.

Date 12/26/2013 Membership # XXXX Expiration Name XXXX Date of Birth XXXXX T-Shirt Size M Address 1XXXX City XXX State IL Zip 60565
Home Phone XXXCell Phone Email Address XXXXX Referring Member Membership Type 10NR Home Club Access Only Black Card Reciprocal Access
Have you been a member of a gym before? Please check one: Yes No Membership Fees: START-UP $1.00 FIRST MONTH PRORATE $0.00 ANNUAL PRORATE FEE $0.00 PREPAY $0.00 TOTAL $1.00
Your account below will be billed on or around the 17th of each month beginning on 1/17/2014 for $10.00 per month until you
cancel in accordance with this agreement. This membership has a 0 month minimum term.
If you have a minimum monthly term, your account below will be billed for a minimum of 12 months and will continue at the
monthly rate above until you cancel in accordance with this agreement. Your monthly rate above is guaranteed so long as you remain a member in good standing including payment of all monthly dues
and your Annual Membership Fee. An Annual Membership Fee of $ 29.00 will be billed each year of your monthly membership, on or around the first of 10/1/2014
, to the account on file. In order to cancel the billing of this annual fee, the club requires written notice and cancellation of your
membership on or before the 25th of the previous month. To cancel your monthly membership and stop the monthly billing on the 17th of the month, the club requires written notification by
the 10th of the month delivered to the club in person or preferably via certified mail. Any monthly membership can be cancelled
upon 30 days written notice.
If your monthly membership has a minimum commitment, and you wish to cancel your membership early, a $58 Buy Out fee is
required with your cancellation. A $10 service fee will be applied for each month your monthly dues payment is returned uncollectable including, but not limited to, non-sufficient funds, expired credit cards, cancelled credit cards, overdrafts and closed accounts.
Cancellation & Billing Policies: I have read and understood the cancellation rights and billing policies on the front and back of
this
agreement.Brandon Gittelman (member initials)
NAME ON ACCOUNT: Brandon Gittelman
BANK ACCOUNT# ROUTING #:
By initialing below and signing this agreement, I authorize 152 Gary Avenue, Inc. dba Planet Fitness (hereinafter Planet
Fitness) or its assigns or affiliated companies to charge, or to initiate transfers from, the account designated above for the
purpose of making the recurring monthly payments I owe to Planet Fitness on or around the 17th of the month until all of my
obligations are paid under this agreement or until my membership is terminated or cancelled. I understand that my
obligation under this agreement includes my recurring monthly dues, annual rate guarantee fee, service fee for uncollectable
monthly dues, applicable taxes, charges and any other unpaid fees or dues including past unpaid dues and fees. This
authorization will remain in full force and effect during the term of this membership agreement . I understand that I can stop
any debit by notifying the financial institution named above and that the amounts debited from my account may vary each
month based on unpaid past dues, annual fees, etc. I confirm that I am authorized under the terms of the applicable
agreement with my financial institution to use the account designated for the purchase of goods and services from Planet
Fitness and agree to comply with the financial institutions agreement at all times this authorization is in effect .Brandon
Gittelman (member initials)
Cosigner Authorization & Waiver
Parent/Guardian: Planet Fitness does not accept members under the age of 13. In exchange for Planet Fitness allowing my minor child 13 years or
older to purchase a membership, I agree to the Release of Liability and Assumption of Risk clauses in this agreement and I agree to defend and
indemnify Planet Fitness to the fullest extent permitted by the law for any claim brought by my minor child against Planet Fitness. I also promise to pay
any financial obligation that my minor child does not pay for any reason and acknowledge that the banking information above is my account. I
understand and agree that my minor child that is under the age of 16 must be accompanied by a parent or guardian at all times while in the Planet
Fitness club.
Financial Cosigner: I promise to pay any financial obligation that the member does not pay for any reason and acknowledge that the banking
information above is my account. I also agree to defend and indemnify Planet Fitness to the fullest extent permitted by the law for any claim brought
against Planet Fitness by the member. Name: Address: Phone: Authorized Signature

7. Buyers Cancellation and Refund Rights
(a) You may cancel the agreement within three business days after the first business day after you sign the
agreement. A business day is a day on which we are open for business. If you cancel under this option, we
will refund to you all monies paid, under the agreement.
(b) If you move more than 25 miles from our location, we have the right to transfer your membership to a
comparable facility within 25 miles of your new residence. If there is no comparable facility or if the comparable
facility does not accept this membership transfer, you may cancel your membership. If you cancel under this
option, you will be responsible for charges allocable to you before your notice to us of your relocation. You will
not be responsible for any charges allocable to the period of your membership following your proof to us of your
relocation. We do, however, reserve the right to charge you a service fee of the lesser of 10% of your unused
balance or $50.00.
(c) If you are unable to use our facility because of your death or disability, you or your estate may cancel the
membership and will be liable for only the portion of the charges allocable to the time prior to death or the
onset of disability. We have the right to require and verify reasonable evidence of such death or disability. (d) No cancellation is effective unless it is in writing.
(e) If your cancellation entitles you or your estate to a refund, we will pay this refund within 30 days of our
receipt of the written cancellation.
(f) If the agreement is for a club that is not yet open, you have seven calendar days instead of three business
days to cancel the agreement for a full refund.
(g) If the agreement is for a club that is planned or under construction and if the facilities and services are not
available within 12 months from the date the agreement is entered into, or within 3 months of another date
specified in the agreement, whichever is earlier, you may cancel your membership, and we will refund all your
payments within 30 days of our receipt of your written cancellation notice.
8. Limitation of Liability
Personal Finance Deals
Delta's Turn - Mistake Fares
Added on : Thursday December 26th 2013 08:00:14 AM
g: 0 Posted By: BrlDsguise
Views: 29 Replies: 1 Looks like Delta recreated United's mistake of a few months ago and mispriced tickets. I was searching ITA for tickets to Key West and saw them listed at $64 R/T from PHL. Tried to book on delta.com but it was frozen and Expedia which produced a market rate fare.

Reports on FT have people buying transcon flights for under $30 and Hawaii for $110. News report said Delta is honoring the fares so congrats to all who got in.
Air Travel Deals
g: 0 Posted By: VeryBadENGINEER
Views: 285 Replies: 0 This is really two deals here.
1. Bundle discount for Turbo Tax and Quicken: $30 or $35, Buy Select TurboTax 2013 Titles, Save Up to $35 on Quicken 20142.10% Bonus offer - ~Use some (or all) of your federal refund to purchase an Amazon.com Gift Card** from TurboTax and TurboTax will tack on an extra 10%so $500 would become $550
It certainly will pay for the software itself if you expect refund at least in a few hundreds.

Fine print:

Amazon.com Gift Card offer is for federal refunds only. Limits apply ($2000 per e-card, maximum $10,000 per customer). Offer available only for TurboTax Online or CD/download versions sold and shipped, or downloaded directly from Intuit or Amazon.
Amazon.com is not a sponsor of this promotion. Amazon.com Gift Cards ("GCs") sold by Intuit, an authorized and independent reseller of Amazon.com Gift Cards.

Software Deals

Amazon Coupons
Amazon Turbox Tax 10% Bonus Offer + Quicken Bundle Discount
Added on : Thursday December 26th 2013 06:00:04 AM
g: 0 Posted By: VeryBadENGINEER
Views: 30 Replies: 0 This is really two deals here.
1. Bundle discount for Turbo Tax and Quicken: $30 or $35, Buy Select TurboTax 2013 Titles, Save Up to $35 on Quicken 20142.10% Bonus offer - ~Use some (or all) of your federal refund to purchase an Amazon.com Gift Card** from TurboTax and TurboTax will tack on an extra 10%so $500 would become $550
It certainly will pay for the software itself if you expect refund at least in a few hundreds.

Fine print:

Amazon.com Gift Card offer is for federal refunds only. Limits apply ($2000 per e-card, maximum $10,000 per customer). Offer available only for TurboTax Online or CD/download versions sold and shipped, or downloaded directly from Intuit or Amazon.
Amazon.com is not a sponsor of this promotion. Amazon.com Gift Cards ("GCs") sold by Intuit, an authorized and independent reseller of Amazon.com Gift Cards.

Software Deals

Amazon Coupons
Amazon Trade-in: Pentax K100D [Body-only] Up to $174
Added on : Wednesday December 25th 2013 09:00:02 PM
g: 0 Posted By: YuGiOh
Views: 4 Replies: 0 Hi,

Amazon trade-in currently has offer for the Pentax K100D DSLR (body only) for $174 (Like New) or $147.90 (Good).
The camera is a few years old and at this price, it is MUCH higher than market price. If you have one laying around, now would be a good time to cash it in and upgrade to more current offerings from Pentax.

Trade-in Link
Noritake After Christmas Sale, 25% Off Site Wide Plus Free Shipping
Added on : Wednesday December 25th 2013 05:00:03 PM
g: 0 Posted By: returnofmom
Views: 113 Replies: 0 25% off includes sale and discontinued items. Free shipping with no minimum. Ends 1/7/14 at 12:00 EST.

For example: Stoneleigh luncheon plates holiday, set of 4, 8 1/2"
Regular Price: $64.00
Sale Price: $18.98
After 25%= $14.23

Heads up...They areclosing up shop for a few days to complete inventory,so orders placed between December 25 and January 6 will not be processed until Tuesday, January 7.

www.Noritake.com
Home & Garden Deals
Taxes on a shared property
Added on : Wednesday December 25th 2013 07:00:12 AM
g: 0 Posted By: ankitgu
Views: 24 Replies: 0 I got a condo this year and started renting 1 of the 2 rooms (one is for myself). I'll have collected 6 months of rent for 2013 and the rent covers just over half of the regular expenses.

I have a few questions to help me begin thinking about how I'll handle my taxes. My goal is to have taxes filed pretty early on in the new year.

1) Which tax forms should I start looking at for this?
2)Will this be classified as personal property, or maybe the room and shared areas are rental areas? Any general idea would be helpful.
3) When I bought the place this year, it required significant renovations. At the end of it, 1/3rd of the final cost was in renovations and 2/3 was in the actual condo purchase price. Any idea if I can write off parts of the renovations, which were cash expenses towards fixing the place, which made it rentable? (I did things like replace flooring, countertops, fix holes in the walls, new toilets, all the appliances, labor to refinish cabinets, etc.)

I do intend on continuing to rent out the place through 2013. I'm anticipating maybe 9 months of rent payments in case that matters.
Personal Finance Deals
Angry Birds Star Wars II free @ Amazon app
Added on : Tuesday December 24th 2013 09:00:10 PM
g: 0 Posted By: WorkerAnt
Views: 75 Replies: 0 http://www.amazon.com/gp/product/B00F8GYC1Y

I click today app deal and saw this for free. You can download Amazon app store and "buy" this to get the $5 promotion Amazon app credit that been going on. Free + $5 credit (with expiration date).

I did a few search and didn't see any1 posted this. Only saw the Angry Bird Go
Totally Free Deals
Report Sexual Harassment at work that doesn't directly involve me?
Added on : Tuesday December 24th 2013 04:00:07 AM
g: 2 Posted By: Android1234
Views: 98 Replies: 6 FWF Crowd, apologies for the alt-ID but don't want to be identified. I'm facing a bit of a moral dilemma and am looking for thoughts from here. I'll try to keep it short and to the point as well.

A few weeks ago my group at work of less than 20, all employees, no significant others, had our group holiday party. The majority of the crowd got pretty drunk with the head of the group leading the charge of being one of the drunkest. During the night, one male coworker was hitting on a young, fairly new to the group female coworker. Our very drunk male group head was openly encouraging the female to go for it, using a lot of profanity and even slapping on her on the butt multiple times during the night. This may not sound extreme, but it was making a lot of people around (primarily the other females) very uncomfortable. Later on that night after everyone had seperated, the younger female coworker called me crying, clearly very drunk, but crying as she didn't know how she was put in that situation. I don't believe anything happened between her and the other coworker.

As a point of reference, I am a male and one of the more senior people amongst the group. After this incident, I felt very bad for my female coworker and really lost a lot of respect for the group head. I know that a few other coworkers of mine also really didn't like what went down.

Personally, I don't believe the younger female coworker who was being hit on and harassed is going to say something to anyone more senior outside of our group or to HR. Our group itself does not have any HR rep, so it would need to be reported to someone outside of our group. As far as I know, I don't believe anyone else has reported anything.

So my question is, should I say anything to HR? I personally like my job for the most part, and I am inclined to just stay out of it (and imagine that will be the majority of responses) and not rock the boat as again I am in a pretty good situation. At the same time, I really can't respect our group head (and who I report to) after this. I believe I could go to HR with one or two people at the same time, but don't want to advertise that I am looking to talk to HR either for fear of it getting around, so have kept this quiet.

Any advice? Anyone been in a similar situation?

Thanks
Personal Finance Deals
g: 0 Posted By: vnuts21
Views: 87 Replies: 0 Pardon the lengthy post, but I wanted to get some general advice on how best to prepare for buying our first home in the next few years. Ages: 26 (Me), 27 (Her).

We will be married in September, 2014.

Income:
Me - $78k/yr
Her - $76k/yr
Average take home pay: ~7200/mo
Other income: Credit Card/MS shenanigans - ~$500/mo

Expenses:
~5000/mo (includes rent, student loan payments, Roth IRA contributions, food, traveletc) (high cost of living area)

Currently not maxing retirement savings- only contributing max Roth IRA (5500 each) and minimum to get company match. This will change once student loans are paid off (~9 months)

Assets:
Me:
$40k in 401k
$26k in Roth IRA
$5k Liquid

Her:
$35k in 401k
$10k in Roth IRA
$9k Liquid

Debts:
Me - $40k in student loans (3.5%)(being generously paid off by my brother at $14k/year, and by me at a rate of $4k/yr) - will bepaid offin ~2.5 years
Her - $10k in student loans (5% average) (will be paid off in 1 year)

I will most likely be taking a temporary new job in the DC area for 1 yearwhich will greatly increase our savings ability. The job covers all living expenses and provides a daily food stipend, allowing us to live rent, utilityand food-free (will end up saving ~30k extra over 1 year) (this assumes my fiancee will be able to find a job in DC at the same time). Paying off the student loans over the next year or so would also free up almost1000/mo.

Job prospects:
Overall good - we are both ambitious engineers

Me: BS (high ranked private university), MS in Mechanical engineering (no-name state school). Currently working for US Government (decent job security, but will most likely be leaving after the DC position in search of something higher paying and more challenging).
Her - BS in Manufacturing Engineering (high ranked private university), MBA (decently ranked private university) in May 2014. Currently working for amedical instrumentcompany (decent job security, but overall underpaid given her position, experience level). Will most likely be looking for a new job coinciding with my DC position.

2-3 year goals:
-Live in DC for 1 year
-Live in California for 1-2 years
-Settle down in northern east coast (NY, PA, VA, MD etc)(near family) in ~2017 and purchase a home (~300-350k range). I'd like to be able to put 20% down onthe house. This would require 60k, which is easy to do even now (if saving for a few months and tapping into Roth IRA), but I'd prefer not to touch the Roth accounts to do so.

Here's my questions:
- How to handle manufactured spending/credit card sign ups in the 2-3 years leading up to buying a house? Our credit scores are excellent, and we have leveraged those scores into great vacations, and a lot of extra income from manufactured spending techniques. When should we stop the spending, so that lenders do not ask questions and are not put off by the ~20 open credit cards per person?
- How to best stagger the accounts to get approved for a mortgage? I know the lenders want to see an account capable of paying off the mortgage and will scrutinize every transaction dating back almost a full year. Would opening a joint account and having the paychecks deposited into it be ok? I would keep all other accounts (rewards checking, bluebird, etc) separate. This would be our only joint account from the time we are married until the time we buy a house.
- Any other words of wisdom, advice on how to improve our financial situation?



Discussion Deals
g: 0 Posted By: yadavprincess
Views: 188 Replies: 0 For those who need a small server, this is a great deal.

HP ProLiant G7 N54L MicroServer Server System AMD Turion II Model Neo N54L 2GB 250GB LFF Operating System None 704941-001
http://www.neweggflash.com/Product/59-107-921
-AMD Turion II Model Neo N54L
-250GB LFF
-150W non-hot plug, non redundant power supply kit Multi-output

OVERVIEW

The HP ProLiant MicroServer is a general purpose server that provides a platform to organize and safeguard your business information, allow effective communication with customers, and make the most of your existing office equipment and resources. The HP MicroServer is a cost effective starter server for businesses with fewer than 10 clients and it takes your business to the next level of productivity and efficiency.
SPECS
Main

Brand HP
Series ProLiant G7 N54L
Model 704941-001
Type MicroServer
Processor
CPU Type AMD Turion II Model Neo N54L
Mainboard
Chipset AMD RS785E/SB820M
Memory
Installed Memory Size 2GB
Memory Type DDR3
MAX Memory Capacity 8GB
Memory Features 2 DIMM slots Unbuffered ECC
Storage
Hard Drive (Installed) 250GB LFF
Storage Controller (1) Integrated 4 port SATA RAID
HDD Interface SATA
Networking
Ethernet Controller (1) 1Gb NC107i Ethernet Adapter 1 Port per controller
Expansion
Expansion Slots Slot 1: PCI-Express Gen 2 x16 connector with x16 link Slot 2: PCI-Express Gen 2 x1 connector with x1 Link Slot 2-2: PCI-Express x4 slot for optional management card
Other ports 7 x USB 2.0 (4 Front 2 Rear,1 Internal-for tape)
Software
Operating System None
Power
Power Characteristics (1) 150W non-hot plug, non redundant power supply kit Multi-output


http://www.neweggflash.com/Product/59-107-921
Networking Deals

Newegg Coupons
Fad jewelry - worth it? Alternatives?
Added on : Monday December 23rd 2013 11:00:07 AM
g: 0 Posted By: CowbellMaster
Views: 29 Replies: 0 It seems like every few years some sort of fad comes along, and through brilliant marketing the owners get their hooks into women. The longest running of all time is, of course, diamonds. There are man made diamonds now, and other knockoff alternatives (various degrees of acceptability).

More recently, there's this 'grown up bead' trend that I recently learned has caught DW's eye. Pandora seems to be the front-runner but there are a couple other alternatives.

Anyways, I went to a local retailer and got her a bracelet, picked out a few beads that are meaningful, and died a little inside when the cashier gave me the total. It came to around $900, and I got to thinking, "am I really about to pay almost a grand for a silver bracelet and some beads??"

These things seem to be ridiculously popular now so I thought it might warrant a thread to discuss others' thoughts, and also any discoveries of more reasonable alternatives. As far as I can see, there is no actual value to these beads outside of their 'brand name' and a quick search shows various knockoff options. Has anyone explored these options, and were they acceptable? Am I just being a cheapskate?
Question Deals
Anyone ever negotiate with a cell phone company?
Added on : Monday December 23rd 2013 08:00:08 AM
g: 0 Posted By: StevenColorado
Views: 192 Replies: 1 I switched from a crappy company to T Mobile. Old company charged me $250+ per month for four lines, had dropped calls regularly, and my gf couldn't get signal at her workplace.

T Mobile charges me about $150 per month for four lines, and she gets signal. Much fewer dropped calls.

Old company is trying to bill me for ETFs, etc., for a bill over $900 for my last two months. I'm about to call and offer them $300 to settle the bill, claiming that they broke the contract by not providing me with a reliable signal, and citing my record of calling them to complain about that and the high bills, neither of which was ever addressed.

I expect them to ignore me and refuse any offers, but it's worth a try.

Any tips?
General Economics Deals
Bonus Coupons/Cards with Gift Card Purchases (Compilation)
Added on : Monday December 23rd 2013 07:00:02 AM
g: 0 Posted By: pitflyer
Views: 28 Replies: 0 I have a credit card bonus that I'm trying to hit this month so I'm looking for places where I can buy gift cards for later use, and take advantage of holiday promotions for bonus gift cards or coupons. I'm not sure if others are in the same boat, but I thought I'd share a few that I know of. If anyone else knows of nationwide chains offering bonuses (mostly restaurants too) that they can add to the list and I'll update the OP or use the wiki. Read the details of the promo carefully, the promo is often a limited time use coupon (for right after Christmas or New Years) rather than an additional gift card.

If this is a bad idea feel free to red it down and the mod will remove it eventually.

I'll start:
PF Changs: Buy $100 in gift cards, get $20 bonus
Brueggers: Buy $25 in gift cards, get $5 bonus coupon
Tilted Kilt: Buy $25 in gift cards, get $5 bonus
Steak N Shake: Buy $20 in gift cards, get $5 bonus coupon
Cheesecake Factory, Buy $25 in gift cards, get a slice of cheesecake free
Safeway iTunes $50 Gift Card for $35 until Dec 28
Added on : Monday December 23rd 2013 05:00:06 AM
g: 3 Posted By: JMLey
Views: 361 Replies: 2 SAVE $15.00 INSTANTLY - via Just For U Coupon Page
iTunes Gift Cards
Buy $50.00 or more in iTunes gift cards, Save $15.00 instantly. Limit 1
Offer Type: Unlimited Store Coupon
Expires 12/28/2013

Offer Details: Offer Valid 12/23 - 12/28. Final redemption 12/28. Offer subject to availability while supplies last. See gift cards for terms, conditions, and (if applicable) fees. No rain checks. and 2013 Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion.
Gifts Deals

iTunes Coupons
Free Kindle Book- O Little Town: A Novel by Don Reid (was $16.99)
Added on : Monday December 23rd 2013 04:00:05 AM
g: 0 Posted By: remick
Views: 297 Replies: 0 http://www.amazon.com/gp/product/B005NHTSZ8

4.3 out of 5 stars with 103 reviews

Christmas, 1958: Elvis is on the radio, Ike is in the White House, the Lord is in his holy temple, but there is no peace in Mt. Jefferson.
In a small town where everybody seems to know everybody, there are still a few secrets. Three families find they are connected in ways they never suspected: an angry teen, a dying man, a lonely wife, a daughter in trouble. Just ordinary people, muddling their way through ordinary challenges. Illness. Marriage. Bad decisions. Friendship. Faith. Forgiveness.
Spanning three generations, O Little Town is a tender tale of love and redemption . and a lonely gravesite where roses mysteriously appear every Christmas. It will touch your heart.
Books Deals

Amazon Coupons
g: 0 Posted By: 116sloppyjoe116
Views: 102 Replies: 0 Link

Enter coupon codeJINGLEBELLSduring checkout.
Shipping costs are$0.96/movie and $2.28/game

This is the best discount/coupon I've seen yet. I've ordered many times over the past few years and even longer when I lived near a B&M.


Aveeno baby products, Target retail only, buy 3 get $5 Gift Card
Added on : Sunday December 22nd 2013 09:00:06 PM
g: 1 Posted By: junkregisterjk
Views: 161 Replies: 0 Target stores in your area may be having an Aveeno baby product promotion:
Buy 3 select AveenoBaby products, get a $5 gift card.
According to the store shelf tag, this promotionends1-4-2014.
If the Target near you doesn't have this promotion, you may have to go to another Target. The Target near me in Los Angeles County didn't have this promotion. But a Target in neighboring Orange County (just another mile away), did.

If you have a Red Card, you will save 5%. Unfortunately the store wide 10% off is coming to an end in a few minutes (Pacific Time zone).

Depending on the exact Aveeno product you want, you will likely save money. Be sure to check Target online, Amazon, and WalMartfor price comparison. Historically, I have noticed that Target's retail stores always had better price. WalMart came very close. Amazon couldn't compare (too expensive). Unfortunatley, Costco doesn't carry Aveeno baby products with regularity, so its hit/miss.

12-22-2013 pricing of Aveeno baby Gentle Conditioning Baby Shampoo, 12oz:
Target (retail) $4.99 ($4.74 w/ Red Card 5% discount)
Target.com: not available
WalMart.com: $4.96
Amazon.com: $26.99 for two-12oz bottles

Health & Beauty Deals

Target Coupons
Nexus 7 16gb 2013 staples 199 fs
Added on : Sunday December 22nd 2013 10:00:04 AM
g: 0 Posted By: ibanez16
Views: 251 Replies: 0 Nexus 7 16gb (2013 model) is $199 shipped (unless you have to pay tax) at Staples.com. Not the best deal available in the past few weeks but the best I could get. Office Depot ($179) is not in my area and missed that deal online so this is the next best deal I could find. Normal price is about $230 and can't find it really any lower at the moment other then at Staples. It depends on your taste/preference but I believe this may be a more solid buy then some of the other 7" brands in this price range including the kindle fire hdx. Due your research and figure out for yourself.
Hope this helps anyone that might be looking for a nexus at the moment.
linky
also the 32gb model is on sale as well if interested for $240
32gb link
Make sure you get your cash fatwallet 2.5% Cash Back and if you have a coupon may be worth a shot.
Cell Phones Deals

Staples Coupons
Lenovo i7 series Refub laptops from $689 Newegg
Added on : Sunday December 22nd 2013 10:00:02 AM
g: 0 Posted By: fatterthebetter
Views: 58 Replies: 0 Been looking at these awhile. Refurbished with 1 year Lenovo warranty. Wanting to wait till the end of Jan. to see if they go below $600.
Wanting to get i7 Lenovo, preferably with 8gig memory (upgradeable to 16), 500+ HD (7200 rpm), fast core processor, Win 7 Pro.
Linky --http://www.newegg.com/Product/ProductList.aspx?Submit=Property&S...
Also has a few open box ones listed for lower. Don't think it includes 1 year warranty and may have scratches or other problems. Anyone ever bought one of these and got a good deal?
Laptops Deals

Newegg Coupons
g: 1 Posted By: MISTERCHEAP
Views: 375 Replies: 5 Excellent one time use coupon spitting out at registers today. Valid 12/23-1/5 only, good ONLINE OR STORE, very few exclusions. Only exclusions are gift cards, and postage. ALL COMPUTERS, TABLETS, ETC QUALIFY.

so keep your eyes open for this coupon with your receipts and be sure to stack it with a great offer to get 10% back in rewards.
Office & School Supplies Deals

Staples Coupons