Home » Search "few" Results

few hot deals search results



 1 2 3 4 5 6 7 >  Last ›
replacing or rebuilding transmission
Added on : Sunday July 27th 2014 04:00:07 PM
g: 0 Posted By: davidbeckham
Views: 87 Replies: 1 I had my transmission with only 70K miles out from my Kia 2008 spectra a few weeks ago and was quoted from $1200-1800 for repair in NYC, and I ended up paying $1200 for them putting in a used one with 50K miles on it. There is a couple things I noticed while shopping around. Some Auto Body was only offering me for rebuilding tranny for $1600-1800, and others told me that usually they would look for a used one first and then if there wasn't any available they would look into the rebuilt option because a high percentage of rebuilt transmissions fail after a year or two . I understand that rebuilding costs more so that the shop would earn more from labor. Other than that, Is there any incentive for shops to push for rebuilding rather than getting a used one? Why did those shops not like to offer a used replacement first? I am trying to get some insight into this industry and figure out who is the honest guy here.
Question Deals
Disney Store BOGO Free, F/S @$75 (exclusions apply)
Added on : Friday July 25th 2014 03:00:04 AM
g: 1 Posted By: ichabod
Views: 183 Replies: 0 The Disney Store has some items on sale for buy one get one free. http://www.disneystore.com/ Now if only I could figure out a way to get myself in a pair of those Darth Vader jammies....oh to be a kid again.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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


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

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

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

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


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


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

The new method:

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

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

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

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

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

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


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

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

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

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

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

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

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

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

Tools Deals

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

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

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


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


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

The new method:

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

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

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

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

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


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

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

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

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

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

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

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

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

Tools Deals

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

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

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

A few notables:

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

Clothing Deals

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

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

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

5.0 out of 5 stars (9 customer reviews)

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

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

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


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

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

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


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

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

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

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

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

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

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

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

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

A Few Notable Items:

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

Clothing Deals

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

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

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

Always nice to save a few bucks on tax when buying the back to school stuff.
Back to School Deals
FREE Shutterfly 8x8 Photo Book, shipping not included
Added on : Monday July 21st 2014 06:00:09 PM
g: 0 Posted By: cybersherri
Views: 218 Replies: 1 This is my first post, so please be kind if I posted this in the wrong forum.

I received a coupon atcheckoutfrom Vons (aka Safeway) for a FREE SHUTTERFLY 8x8 PHOTO BOOK ($29.99 value)

The coupon details say: Visit shutterfly.com/grocerypb. OFFER EXPIRES AUGUST 10, 2014 (11:59pm PT). Offer is good for one free 20-page 8x8 hard photo cover photo book through Shutterfly.com or the Shutterfly Photo Story app for iPad. Offer cannot be redeemed more than once per account and/or billing address. Taxes, shipping and handling will apply. See website for terms and conditions.

The Promo Code is: CT9C4R5JVVZZ9VAKMV.




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

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









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

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

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

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


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

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

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


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

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

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

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

My biggest concerns with using an S-Corp are:

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

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

3) Anything else I missed?

Tax Deals
g: 0 Posted By: remick
Views: 31 Replies: 0 http://www.amazon.com/dp/B00AFYBRTY/

4.8 out of 5 stars (12 customer reviews)

Mind Mapping for Kids helps elementary school students develop higher-level thinking and improve their reading comprehension using mind maps and eight reading comprehension strategies.

KEY FEATURES

Learn mind map basics in a few hours and start mind mapping in a day.

- Written by a mind mapper and features mind maps by other mind mappers.
- Includes over 50 mind maps created with over 10 different mind mapping programs.
- Full case study on reading comprehension using mind maps.

DESCRIPTION

We are all visual learners, at least in part. We absorb information visually more than in any other way. Yet, visual literacy is mostly missing from mainstream education. So, how can elementary school students visually represent information and ideas to improve their ability to build on what they already know, think critically, and learn meaningfully?

This question is the central theme of Mind Mapping for Kids. MMFK offers elementary school teachers a blueprint for how to introduce mind maps in their classrooms to help students think more rigorously and increase engagement by transforming linear, static information into connected, dynamic maps.

Part I of the book discusses the fundamentals of mind mapping for teachers, parents, and students. Part II demonstrates how to use mind maps and the eight reading comprehension strategies to help students develop critical thinking and better comprehend what theyre reading. Part III provides 15 examples of mind mapping uses in school and at home and 5 templates to use in the classroom.

Give mind maps a try. They can be used independently or in conjunction with other literacy instruction programs. Either way, they will bring fun and excitement to the classroom while simultaneously improving thinking, reading, and learning.

FREE BONUS

To help you get started with mind maps, each book also comes with a free 6-month trial of ConceptDraw, DropMind, Inspiration, MindMeister, or XMind Pro. To get your free download code, e-mail the author with your proof of book purchase and program preference.
Books & Magazines Deals
g: 1 Posted By: wwinters
Views: 293 Replies: 0 So as I've said before, the group I foster for prefers I give all the kitties Wellness caned food. This is the lowest price I've seen it:12 can case $23.40, Subscribe and Save 15% off (I bought 4 cases of different flavors then one other S&S item) making it $19.98 per case. These are the large dog food sized cans. The 5.5 oz cans are on sale also but not as cheap per oz.
Chicken
Chicken and Herring
Beef and Chicken
Turkey
Camelcamelcamel shows it's been this price for a few months but it's the lowest it's ever been on Amazon.

Pets Deals

Amazon Coupons
Verizon FiOS - Free speed upgrade and more new offers
Added on : Sunday July 20th 2014 05:00:02 PM
g: 0 Posted By: BADADVICE
Views: 62 Replies: 0 1. Verizon is giving a free upload speed upgrade to all FiOS customers. Your upload speed will automatically be upgraded to match your current download speed. (e.g. if you are currently on a plan that offers 50 mb/s download and 25 mb/s upload, you will now receive 50 mb/s upload for free). This upgrade will be rolled out over the next few weeks starting Monday, 7/21. You might get the upgrade sooner if you sign up for the free "My Rewards" program from the My Verizon website.
Details about this free upgrade

2. Click the Add/Upgrade Services link from the My Verizon website to view the offers/bundles available to you. Some customers have reported some very good offers, giving more internet speed while lowering their monthly bill. Not all members receive these offers and the are separate from the free speed upgrade.


My Verizon Link
Wellness 12 1/2 oz caned cat food case as low as $19.98 Amazon S&S
Added on : Sunday July 20th 2014 04:00:03 PM
g: 0 Posted By: wwinters
Views: 147 Replies: 0 So as I've said before the group I foster for prefer I give all the kitties Wellness caned food. This is the lowest price I've seen it:12 can case $23.40, Subscribe and Save 15% off (I bought 4 cases of different flavors then one other S&S item) making it $19.98 per case. These are the large dog food sized cans. The 5.5 oz cans are on sale also but not as cheap per oz.
Chicken
Chicken and Herring
Beef and Chicken
Turkey
Camelcamelcamel shows it's been this price for a few months but it's the lowest it's ever been on Amazon.

Pets Deals

Amazon Coupons
If I can't clear 10 per year, I'd rather hold gold with that money
Added on : Sunday July 20th 2014 11:00:08 AM
g: 0 Posted By: nicj4070
Views: 31 Replies: 4 We've averaged 5% per year inflation, since I started watching it in 1970. Gas was 40c a gallon, folks. A new Colt gov't model .45 was $135, rent was $50 per month, at most. A brand new, 400+ Cubic inch car, with AC, etc, was $4000, Ford or Chevy.

So any "investment" that doesn't make 6% minimum (before tax) is just losing money. Sure, gold CAN take a nose dive, but it can also double in price in a very few years, too. In 2004, I bought gold at $450 an oz. It went all the way to $1800, fell off, found support at $1200 an oz, and has been $100 or more over that price ever since. A lousy5% (after tax and inflation) just aint worth tying up much money into.
Investing Deals
g: 0 Posted By: jskins
Views: 172 Replies: 0 Today Only - The Limited: 60% Off Dresses & Skirtsusing coupon code DAYONE with free shipping on $125+ (or $8.95)

A few notables:

Lace Sheath Dress- Was: $108.00 Now: $43.20
Crochet Lace Pencil Skirt- Was: $69.95 Now: $27.98
Scarf Print Shift Dress(pictured) - Was: $89.95 Now: $35.28

Clothing Deals

The Limited Coupons
g: 0 Posted By: flyhighutah
Views: 97 Replies: 0 Amazon
LINKRed
LINKBlue
LINKBlack

Mixed reviews on Amazon, I personally owned this and really satisfied with the performance. I paid $12 few month ago.
g: 2 Posted By: VivYip
Views: 313 Replies: 2 the Target ad for 7/20 has a few decent back to school items

front page
0.99 items
-elmer's 6pk glue stick
-up&up 12pk colored glue sticks
-sharpie 2pk fine or ultra fine
-Mead 70 sheet composition or spiral bound notebook
-Mead 5-star 4 pocket poly folder
$8 Texas instruments TI-30XIIS scientific calculator
$7 lexar 16gb usb drives

backpacks
$25 trans by jansport backpacks
$20 ipack or double dutch club
$30 grip by High Sierra or ful
$12 licensed backpacks
$8 lunch gear

other BTS items
$2 items
-up&up 1" deluxe D-ring binder
-up&up 24 tc washable crayons
$1.50 items
-up&up 1 subject 100 sheet notbook colege or wide ruled
-Mead five star poly folder
$4 up&up 216 pc office accessory value pack
0.99 up&up 8ct mechanical pencils
$5 items
-pilot G2 5ct roller pens
-scotch magic 2pk tape
$12 sharpie 15 ct permantne marker set with display case

clothing
$16.99 wrangler men's regular or relaxed fit jeans

Hanes
-9.50 6+2pk cotton panties
14.49 v-neck t-shirt or boxer briefs
7.49 boys socks, tees, girls panties
$12 2pk seamless bras
buy 1, get 1 50% off Hanes premium items

college shop(?)
$16 items
-XL twin sized romme essentials reversible comforter or blanket
-XL twin sized T-shirt soft jerset sheet set


coupons in ad
$10 off $50 home purchase coupon (for coupon delivered to your smartphone, text DECOR to Target (827438)
$5 off $15 personal care purchase
$15 off $50 dog/cat purchase

other?
$35 sunbeam 0.7 cubic ft microwave
upto 15% digital gift cards at Target.com
$7.49 tide laundry 69oz 36 load or 75ox 48 load
$6.99 fabric card downy 120 load or bounce 200ct
$10.39 cascade complete 43-60ct action pacs

I only noticed this stuff due to the back to school items... (i usually pay more attention to office supply and Newegg stuff, so I'm not that familiar with what might be hot from Target) links will hopefully be added tomorrow if possible

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

Target Coupons
g: 0 Posted By: remick
Views: 48 Replies: 0 http://www.amazon.com/Speed-Math-Bible-electronic-mathematical-e...

How about a book that will explain you how mathematics can give you countless strategic tools to let you earn more money, do better and better at work, improve your study, get back into shape and be always at your best?

How about a book that can show you how to bring destiny on your side in gambling games like Poker and Blackjack just with a couple of mental sums?

How about a book that can easily teach you to sum, divide, multiply even between 5-figure numbers in 10 seconds?

Well how about taking a look at "The Speed Math Bible"? Directly from the years-long research of two software engineers, a revolutionary book that will show you mathematics from a completely new point of view. You'll rapidly learn how to perform extremely complex calculations within a few seconds, you'll acquire precious key-competencies for the academic and business world and you'll see how many priceless strategic tools for the everyday life can be built just by using the simple mathematics you learnt at school. Game theory, Probability Theory, Vedic Mathematics, War strategy, ancient cultures and modern studies will weave themselves together in a volume you'll hardly forget and you'll always want to keep in your library!
g: 0 Posted By: remick
Views: 56 Replies: 0 http://www.amazon.com/dp/B0084JDD44/

Here are the chapters in Volume I. They'll give an idea of how far this segment will take you:

Introduction
Chapter One - The Basics
Chapter Two - Game Selection (Rule/Number of Decks/Penetration)
Chapter Three - Basic Strategy
Chapter Four - The Running Count
Chapter Five - True Count Conversion
Chapter Six - Betting Basics
Chapter Seven - Advanced Strategy

Hype...

The radically new information is in Volume II and III, but there's new stuff mixed into "the fundamentals" that I've never seen in print.

The riddle of five and six...
What they didn't tell us about penetration...
How to calculate blackjack frequency...
How to convert the true count to the quarter deck in two deck...
How to convert when a fourth or half deck is burned off the top...
Another look at those "other players"...
Advantage doubles as distance is halved...
Standard deviation simplified...
How long we can be behind...
Depth charging taken a few steps further...
Reebok Outlet Coupon: Extra 40% Off Select Basketball Shoes
Added on : Saturday July 19th 2014 04:00:07 AM
g: 0 Posted By: ShoppingChick
Views: 100 Replies: 0 Reebok Outlet is offering an Extra 40% Off Select Basketball Shoeswith coupon codeJULYRETROfree shipping.

A few notables:

Question Mid Ghost of Christmas Future- $41.98
Shaq AttaqGhost of Christmas Present- $83.98
Sir Jam Mid- $38.98

Shoes Deals

Reebok Coupons
g: 0 Posted By: remick
Views: 110 Replies: 0 http://www.amazon.com/gp/product/B00JOYF70G/

Quite often the students of Architecture get confused during the first few years of their studies in the University. The confusion arises due to a number of genuine reasons. Unlike the jobs of a Chemical or Computer Engineer, the works of an architect is openly seen, understood, appreciated or criticised by the common people. The architects create something which is used by all. Naturally the students of Architecture know or believe that they know about the works of the Architect. But then they discover that the knowledge they are taught or the problems they are assigned during the first few years do not have any resemblance with the works of an architect.

In doing architectural design the architect needs to know and apply the knowledge of a lot of subjects in order to take care of the various aspects of the builtform. Prominent among these aspects are: Visual, Functional, Climatic, Acoustics, Tactile, Olfactory, Cultural, Psychological, Social, Material-related, Structural, Economic, Constructional etc. Of all these, the visual aspect is the first and foremost aspect to learn. The principles of creation of visual beauty have been devised mostly by the artists. In the universities, the teachers of architecture also use those, even though in the contemporary age, the job of the architect is in no way comparable with those of the Artists. In Artists creation and evaluation what matters most is emotion and not logic. On the other hand the Architects design must have logical basis, because design is only a part of their job. The job in its entirety depends upon materialization through construction. This reality demands that the principles for creation of beauty followed by the Architects should be different more of logic-based, and not emotion. For the students of Architecture, Composition is the mother subject of creation of beauty. In this book endeavour has been done to present Composition more of a logic-based subject.

If the Architects works are taken to be the light-house to which the students shall proceed, alike the rowing of the boat Composition is the most essential skill to acquire. Some of the thoughts presented in this book are entirely my own and the responsibilities go only to me.

Architecture is a creative subject. No creative subject can in fact be taught to the students. They can only be taught the methods and skills for such creation. The sole purpose for which I have written this book is to make the first learning experience of the students of Architecture enjoyable and pleasant. If the students find it helpful, I shall consider my pains worthwhile.
Books & Magazines Deals
g: 0 Posted By: thedarsts
Views: 183 Replies: 0 If you're in the market for a double-DIN navigation unit with full smartphone integration; this is a pretty sweet deal.
Clarion NX404 for $445 then $100 rebate. Great features and great reviews. (See more details and more reviews atCrutchfield
Amazon NX404 Product Link

Alternatively, there is the NX604 for $665 then $100 rebate but I just bought the last one so you'll have to wait for re-stock. The NX604 adds SiriusXM capability AND a really cool feature called Intelligent Voice, making voice control more user friendly.
Amazon NX604 Product Link

On both of these, be sure to purchase from Amazon, not an Amazon seller.
You'll see it say "Ships from and sold by Amazon.com."
Clarion shows that Amazon is authorized retailer here:Authorized Dealers
Rebate form found here:Rebate

Now for some info on the NX404: (ripped from Crutchfield)Your in-dash multimedia and smartphone command centerWhether you rock an iPhone or Android smartphone, you want a receiver that gives you the most control. Clarion's NX404 navigation receiver not only delivers accurate guidance and a wealth of entertainment options, but it gives you safe ways to integrate your phone so you and your passengers can stay connected on the go.It all starts with the gorgeous 6.2" touch displayThe NX404's 6.2" screen gives you a great view of the receiver's built-in maps of all 50 states, plus Puerto Rico and Canada. You'll have access to over 11 million points of interest, along with 3D mapping that allows realistic views of terrain, buildings, and landmarks in select metropolitan areas. The display also supports "flick" operation, just like your smartphone. Animated menu icons that can be dragged and dropped give your dash a little personality, while allowing you to prioritize functions and A/V sources.Bluetooth for hands-free calls and streaming musicBuilt-in Bluetooth lets you talk hands-free on your compatible phone so you can keep your hands on the wheel. When a call comes in, you can tap the screen to answer the call and hear your caller over the speakers. And you can even stream tunes if your phone or other device supports it. The NX404 features a built-in microphone, or you can add an optional external mic for added clarity during calls in problem vehicles.Android smartphone integrationConnect a compatible Android smartphone to the NX404 with an HDMI cable to enjoy the receiver's Android compatibility, which allows you to see the display of your smartphone right on the receiver's screen. You can do a lot of cool stuff when you're parked, like check out photos and high-definition video, surf the web, and view smartphone apps on the 6.2" display.Clarion caters to the iPhone, tooApple users can enjoy direct iPod and iPhone audio control with a simple USB connection or via Bluetooth. iPhone 5/5c/5s users will need to add a couple of more adapters, including an HDMI cable and anApple Lightning Digital AV Adapterto get full access to audio and video content from their device.Pandora Internet radio as you roamTake your Pandora stations with you run the free Pandora app on your phone and control it from the NX404's touchscreen. You can skip tracks, change stations, and thumbs up/thumbs down songs just like you do online. For the iPhone, you'll need a USB or Bluetooth connection; Android phones control Pandora via Bluetooth.A sound choiceInto full-resolution audio files? The NX404 will play lossless FLAC audio files from your flash drive, so you can enjoy up to 24-bit/192 kHz clarity behind the wheel. Clarion's powerful built-in amp does a great job driving your speaker system. You can choose from four preset tone settings, or make your own using the 3-band parametric equalizer. The subwoofer volume control lets you dial in just the right amount of bass if you've got a sub hooked up, and you've got high- and low-pass filters for further sound customization. Clarion includes a handy remote for additional tweaking.Get connectedThe NX404 boasts myriad connection points beyond the HDMI input. You'll find a pair of USB inputs on the receiver's back panel, useful for plugging in a dedicated MP3 player plus a flash drive, and you can use the front 3.5mm A/V input and rear RCA A/V inputs for hooking up external sources. A dedicated rear-view camera input allows you to add a layer of safety to your travels. Three sets of 2-volt preamp outputs let you add amplifiers and subwoofers to the mix.Fun for the cinematically inclinedEnjoy watching DVDs up front while you're parked, or hook up a video screen in the back so the kids can watch movies as you drive thanks to Clarion's "2-Zone" operation, your backseat gang can watch a video while you and your co-pilot enjoy music up front.Want to keep your car's steering wheel audio controls?In most vehicles, you can use an adapter to connect your vehicle's steering wheel controls to this Clarion stereo. Connect a few wires, then program the adapter for your particular car and the Clarion, and you'll retain the convenience of your steering wheel controls. Check the "Accessories" tab for compatible adapters.iPod/smartphone note:If you're going to use your iPod or smartphone with this receiver, be sure to check "Details" for compatibility information.Bluetooth note:Use of this receiver's Bluetooth features will depend upon your phone's Bluetooth capabilities. Learn more in ourarticle explaining Bluetooth profiles.Highlights:


General features:

DVD/CD receiver with 6.2" touchscreen and AM/FM tuner
fits double-DIN (4" tall) dash openings
internal amp (18 watts RMS CEA-2006/50 watts peak x 4 channels)
built-in Parrot Bluetooth for hands-free calling and audio streaming
built-in iPod, iPhone, and iPad control (see Details tab for model compatibility)

HDMI cable and AppleLightning Digital AV Adapterrequired for viewing video content from Lightning devices
ClarionCCA750cable required for viewing video content from older Apple devices

HDMI compatibility for select Android devices when parked requires optional HDMI adapter
Pandora control through iPhone and Android
plays lossless FLAC audio files from your flash drive
remote control

Navigation features:

maps of United States, Canada, and Puerto Rico, plus 11 million points of interest
text-to-speech announces actual street names at turns
lane guidance and junction view
3D representations of select buildings, landmarks, and terrain

Audio/video features:

plays CDs, DVDs, and USB drives (see Details for full capabilities)
3-band parametric EQ with 4 presets
low- and high-pass filters
bass boost
dual-zone A/V output

Expandability:

inputs: dual rear USB inputs; front 3.5mm input; rear RCA A/V input; rear-view camera input
outputs: 6-channel preamp outputs (2-volt front, rear, subwoofer); video output



Electronics Deals

Amazon Coupons
Lug Sole Chest Wadres for $55.99 from Cabelas
Added on : Friday July 18th 2014 10:00:03 AM
g: 0 Posted By: Omel
Views: 73 Replies: 0 Looks like they are selling fast but a few sizes still up, might be helpful.

http://www.cabelas.com/product/Cabelas-Three-Forks8482-Insulated...
Clothing Deals

Cabela's Coupons
Airline --gt; Hotel Points
Added on : Friday July 18th 2014 01:00:07 AM
g: 0 Posted By: silkp23
Views: 19 Replies: 0 Anyone know which airlines allow miles to be transferred to Marriott or Holiday Inn points? I fly often, but not enough to get status. Basically throwing this points away the last few years.

Thanks!
Hotel Deals
NETGEAR - NeoTV Streaming Player $19.99 @ Best Buy
Added on : Thursday July 17th 2014 07:00:03 PM
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 Stream movies, TV shows, music, sports, news and more
Expand your entertainment options with hundreds of channels*, plus thousands of movies and TV shows from services like Netflix, Hulu Plus, Vudu, CinemaNow and more.
Navigate your entertainment choices the way you want
Launch your favorite channels with Quick Start buttons on the included remote, or turn your smartphone or tablet into a touch-screen remote with the Android or iOS app.
Set up with a few simple steps
Connect the player to your TV with an HDMI cable (sold separately), and then connect to the Internet wirelessly** or with an Ethernet cable (sold separately).
Support for high-quality video and sound
HDMI connection supports your TV's video quality up to 1080p HD and 5.1 Dolby Digital Plus surround sound.
Wireless connectivity
Built-in Wi-Fi connects to the Internet through your wireless home network.**
Compatible with most TVs
Works with any TV with an HDMI input.

www.bestbuy.com/site/netgear-neotv-streaming-player/6577347.p?id...
TV Deals

Best Buy Coupons
g: 0 Posted By: jisab
Views: 93 Replies: 0 http://www.amazon.com/StorageIdeas-Compartment-Chocolate-Organiz...

was: $69.99
sale: $39.99

features:
*16 durable reinforced cubbies create 16 separate storage cubbies for multiple uses, hold up to 16 pairs of shoes or accessories
*Stackable, Made from durable wipe clean polyester fabric, easy to clean
*Installs easily in just a few quick steps
*Also works great in bedroom for storing scarves, purses, hats, and other accessories, or in home offices and classrooms for bills and school work
*Maximize floor space and be a great dcor to your house
Home & Garden Deals

Amazon Coupons
g: 0 Posted By: ILoveToRead
Views: 101 Replies: 1 If you like Epic Fantasy Genre here are some deeply discounted and even free books (and audiobooks) with links to many platforms. I personally prefer Google Play, but many like Amazon more so I include that plus a few more platforms for those like myself. All but the last one are things I read and recommend. I will add more in a bit either here, wiki or comments.
-----------------------------------------------------------------------------------------

$2.99. Awesome deal given how HUGE the book is (it's 1005 pages, the size of most Trilogies!) , not to mention how good!
The Way of Kings
Brandon Sanderson
4.5 out of 5 on google play

Widely acclaimed for his work completing Robert Jordans Wheel of Time saga, Brandon Sanderson now begins a grand cycle of his own, one every bit as ambitious and immersive.
Roshar is a world of stone and storms. Uncanny tempests of incredible power sweep across the rocky terrain so frequently that they have shaped ecology and civilization alike. Animals hide in shells, trees pull in branches, and grass retracts into the soilless ground. Cities are built only where the topography offers shelter.
It has been centuries since the fall of the ten consecrated orders known as the Knights Radiant, but their Shardblades and Shardplate remain: mystical swords and suits of armor that transform ordinary men into near-invincible warriors. Men trade kingdoms for Shardblades. Wars were fought for them, and won by them.
One such war rages on a ruined landscape called the Shattered Plains. There, Kaladin, who traded his medical apprenticeship for a spear to protect his little brother, has been reduced to slavery. In a war
that makes no sense, where ten armies fight separately against a single foe, he struggles to save his men and to fathom the leaders who consider them expendable.
Brightlord Dalinar Kholin commands one of those other armies. Like his brother, the late king, he is fascinated by an ancient text called The Way of Kings. Troubled by over-powering visions of ancient times and the Knights Radiant, he has begun to doubt his own sanity.

Google Play
https://play.google.com/store/books/details/Brandon_Sanderson_The_Way_of_Kings?id=OHclhBVv-X4C
Amazon Kindle
http://www.amazon.com/Way-Kings-Stormlight-Archive-Book-ebook/dp...
iTunes Bookstore
https://itunes.apple.com/us/book/the-way-of-kings/id376229549?mt=11

Kobo and BN Nook are $8.99 sadly, but proves the point of how hot this is I think.

Also, for those who like audiobooks once you get the Amazon Kindle 2.99 book, they will allow you to buy the audiobook version for $12.99, which is usually a whooping $63.93.
http://www.amazon.com/The-Way-Kin...150&sr=1-1

------------------------------------------------------------------------------------------------------------------------------------------------------

FREE
The Sorcery Code (The Sorcery Code: Volume 1)
4.5 out of 5 on google play
***FREE for a limited time to celebrate the release of The Spell Realm (The Sorcery Code: Volume 2)***
From the internationally bestselling authors who brought you the Krinar Chronicles comes a captivating tale of intrigue, love, and danger in a world where sorcery is entwined with science . . .
Once a respected member of the Sorcerer Council and now an outcast, Blaise has spent the last year of his life working on a special magical object. The
goal is to allow anyone to do magic, not just the sorcerer elite. The outcome of his quest is unlike anything he couldve ever imagined because, instead of an object, he creates Her.
She is Gala, and she is anything but inanimate. Born in the Spell Realm, she is beautiful and highly intelligent and nobody knows what shes capable of. She will do anything to experience the world . . . even leave the man she is beginning to fall for.
Augusta, a powerful sorceress and Blaises former
fiance, sees Blaises deed as the ultimate hubris and Gala as an abomination that must be destroyed. In her quest to save the human race, Augusta will forge new alliances, becoming tangled in a web of intrigue that stretches further than any of them suspect. She may even have to turn to her new lover Barson, a ruthless warrior who might have an agenda of his own . . .

Google Play
https://play.google.com/store/books/details/Dima_Zales_The_Sorcery_Code?id=tOYiAgAAQBAJ&hl=en
Amazon Kindle
http://www.amazon.com/Sorcery-Code-Fantasy-Romance-Intrigue-eboo...
Kobo
http://store.kobobooks.com/en-US/ebook/the-sorcery-code
iTunes Bookstore
https://itunes.apple.com/us/book/the-sorcery-code/id748224494?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-sorcery-code-dima-zales/1117...

If you like audiobooks, in this case, after you get the free book on Amazon, you can get the audio for $1.99 (it's usually $19.99)

http://www.amazon.com/The-Sorcery-Code-Fantasy-Intrigue/dp/B00HK...

-----------------------------------------------------------------------------------------
FREE
The Prince of Ravens (The Exile Trilogy) by
Hal Emerson
The Prince of Ravens has vanished.
4.7 on Amazon
Word spreads quickly from the Fortress of the Empress, through the dark streets of Lucien, and to the far corners of the Empire of Ages. The Children are summoned to the Fortress, and the people talk in muffled whispers, if they dare to talk at all, of secret plots and ancient prophecies. Some say the Prince was murdered, others that he was kidnapped; but underneath it all runs a darker word, one full of terrifying possibility:

Exile.

Rumor begets rumor, and soon the whisper of truth is lost in the swirling winds of growing fear. For the Prince of Ravens is the prophesied Lord of Death, and on his shoulders rests the fate of the Empire.


Amazon Kindle
http://www.amazon.com/The-Prince-Ravens-Exile-Trilogy-ebook/dp/B...
Kobo
http://store.kobobooks.com/en-US/ebook/the-prince-of-ravens
iTunes Bookstore
https://itunes.apple.com/us/book/the-prince-of-ravens/id578065257?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-prince-of-ravens-hal-emerson...
-----------------------------------------------------------------------------------------
The Darkness Abides
5 stars on barns and noble (only 1 review though)
Two men lie adrift at sea, castaway in the search for one's future, and the other in search of his past. When they drift to a land of perpetual darkness designed as an elaborate labyrinth, they begin to realize that they've stumbled upon the path toward what they each seek, but the trail may be more hazardous than they anticipated.
Released initially as a series of short installments, the entirety of this story comprises the length of a full-size novel. Readers who enjoy serialized fiction and dark fantasy with a bit of suspense will enjoy this series.

Google
https://play.google.com/store/books/details/L_Harcroft_The_Darkness_Abides_Vol_1?id=pyTuAgAAQBAJ
Amazon
www.amazon.com/Darkness-Abides-Vol-1-L-Harcroft-ebook/dp/B00IO1P...
Kobo
http://store.kobobooks.com/en-US/ebook/the-darkness-abides-vol-1...
BN Nook
http://www.barnesandnoble.com/w/the-darkness-abides-l-harcroft/1...


Please post your own finds, especially stuff you read and liked!

Books Deals

iTunes Coupons
g: 0 Posted By: jskins
Views: 207 Replies: 1 Seagate Barracuda 3TB 64MB SATA3 HDD (ST3000DM001)- $69.49 using coupon codeNAH133687 + $15 coupon(you will need to enter an email address--if you have used this promo already, you will need to enter a new email address) and $20.00 rebatewith free shipping at Tiger Direct. 4.5/5 stars based on 188 customer reviews.

SATA 6Gb/s interface
64MB cache
7200RPM


The next lowest price for this item from a rated merchant on Google Shoppingis $102.99.

The last time I postedthis item (a few weeks ago) the price was $89.99.
Hard Drives Deals

Tiger Direct Coupons
Job Resignation Timing Dilemma
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: antiorg
Views: 621 Replies: 18 Hello all,

Brief background
Currently a IT Risk Assurance Manager who works for a Big 4 accounting/consulting firm (KPMG, PwC, Deloitte, Ernst&Young), I've been working in the Big 4 for 9 years now, which is much longer than the average time someone "lasts." 7 years at one firm, and 2 years at another (where I currently work). I like the work and people, but sick of the long hours (10+ hour days, work 12-17 hour days between Nov and Feb for report deadlines). Looking to move to an internal role with better work/life balance, or something entirely different where my skills could still benefit me.

Status
Been looking to leave as soon as another good opportunity pops up, but at the Manager level openings pop up less frequently than at the staff level, so it's been a bit of a waiting game for the "right" job to come along, but I know it will come. I want to leave my current position asap, but also don't want to settle for the next mediocre opportunity to come along- it has to be a good one (as far as work/life balance, commute, type of company, details of role). I can also afford to take a significant amount of time off from work, due to the money I've saved, and some other smaller income streams (2 rental properties). In fact, I'd really prefer this- after working for 9 years in the Big 4, I'm pretty burnt out and in a small way have neglected some other aspects of my life- hobbies/interests I've wanted to pursue, travel, family/friends, other business ideas/investments, home projects, etc. Would be great to have a number of months off before starting another job.

Dilemma
I have a bonus of around $10k for past performance (7/1/13-6/30/14) that will be paid out on October 1. Given the above, if I can't find a position within the next couple of weeks (unlikely), I'm am thinking of giving the company my resignation notice of a few months in advance, and telling them I'll be leaving sometime in October. The two main risks I see are:

a) Fear is that they will involuntarily terminate me earlier just so that they don't have to pay me my bonus (which I already earned). However, I may be overstressing this point, since there is a reputational risk to them doing this, plus then I would become eligible for unemployment, which could end up costing them around the same.
b) If I have a break in employment, and I become unemployed for a period of time, I may not be as attractive of a candidate to a future employer. I know I won't have any issues finding a decent job given my resume, but it may preclude me from getting the "best" job that I could have gotten, had I been currently employed. But, I could always make up a story to explain the gap in time.

Questions
Am I overthinking this? Any other risks I'm not thinking of? Any laws (I'm in Phiadelphia, PA) that may protect me for the first risk? Any advice or past experiences this group can provide would be greatly appreciated.

PS. I'm a FWF Sr. Member, been around for 2 years- sorry for creating the new ID but didnt want this level of personal detail to be potentially traceable back to my name.

Thanks all!
Personal Finance Deals
Job Resignation Timing Dilemna
Added on : Thursday July 17th 2014 06:00:09 AM
g: 0 Posted By: antiorg
Views: 260 Replies: 7 Hello all,

Brief background:
Currently a IT Risk Assurance Manager who works for a Big 4 accounting/consulting firm (KPMG, PwC, Deloitte, Ernst&Young), I've been working in the Big 4 for 9 years now, which is much longer than the average time someone "lasts." 7 years at one firm, and 2 years at another (where I currently work). I like the work and people, but sick of the long hours (10+ hour days, work 12-17 hour days between Nov and Feb for report deadlines). Looking to move to an internal role with better work/life balance, or something entirely different where my skills could still benefit me.

Status:
Been looking to leave as soon as another good opportunity pops up, but at the Manager level openings pop up less frequently than at the staff level, so it's been a bit of a waiting game for the "right" job to come along, but I know it will come. I want to leave my current position asap, but also don't want to settle for the next mediocre opportunity to come along- it has to be a good one (as far as work/life balance, commute, type of company, details of role). I can also afford to take a significant amount of time off from work, due to the money I've saved, and some other smaller income streams (2 rental properties). In fact, I'd really prefer this- after working for 9 years in the Big 4, I'm pretty burnt out and in a small way have neglected some other aspects of my life- hobbies/interests I've wanted to pursue, travel, family/friends, other business ideas/investments, home projects, etc. Would be great to have a number of months off before starting another job.

Dilemma
I have a bonus of around $10k for past performance (7/1/13-6/30/14) that will be paid out on October 1. Given the above, if I can't find a position within the next couple of weeks (unlikely), I'm am thinking of giving the company my resignation notice of a few months in advance, and telling them I'll be leaving sometime in October. The two main risks I see are:

a) Fear is that they will involuntarily terminate me earlier just so that they don't have to pay me my bonus (which I already earned). However, I may be overstressing this point, since there is a reputational risk to them doing this, plus then I would become eligible for unemployment, which could end up costing them around the same.
b) If I have a break in employment, and I become unemployed for a period of time, I may not be as attractive of a candidate to a future employer. I know I won't have any issues finding a decent job given my resume, but it may preclude me from getting the "best" job that I could have gotten, had I been currently employed. But, I could always make up a story to explain the gap in time.

Questions
Am I overthinking this? Any other risks I'm not thinking of? Any laws (I'm in Phiadelphia, PA) that may protect me for the first risk? Any advice or past experiences this group can provide would be greatly appreciated.

PS. I'm a FWF Sr. Member, been around for 2 years- sorry for creating the new ID but didnt want this level of personal detail to be potentially traceable back to my name.

Thanks all!
Personal Finance Deals
Accidentally mobile deposited a check twice
Added on : Thursday July 17th 2014 04:00:09 AM
g: 0 Posted By: awstick
Views: 36 Replies: 0 I tried to mobile deposit a check using my primary bank but I got a software error and it looked like the deposit didn't go through. I checked the deposit history in app to make sure it didn't go through (it hadn't) and figured their server must be down or something so I deposited again using mobile deposit at another bank which went fine. A few days later I notice the deposit had posted to the original account as well, so it was deposited twice. I contacted support at both banks and was told by both to basically just wait because it would bounce at one of the two banks. I figured I would just keep the money in both accounts and see what happens.

Well that was over 6 weeks ago and there's still no sign of the money being taken out of either account. I'm not sure how this is even possible as I imagine it would have had to bounce by now. I figure I'm going to have to give the money back one way or the other so I just want it resolved as soon as possible, but I thought it would be automatic.What's my next course of action? Contact the payor? The check was issued by something like Helix Global Solutions as a payment from a rewards program. It's a third party payment processor for a bank I use and their website has no contact information on it.


Personal Finance Deals
Negative Balance in Chase Ultimate Rewards
Added on : Thursday July 17th 2014 03:00:06 AM
g: 0 Posted By: horse9118
Views: 17 Replies: 0 Hi guys, so I got an Ink Bold card a few weeks ago and I was thinking of closing my Sapphire Preferred since annual fee on that thing is due. So I transferred all my Ultimate Rewards points from Sapphire to the Ink Bold account. However, I didn't account the fact that I returned a TV a few days before and when the return got processed, Chase took back the points they issued me for the TV. So now I have a -445 points balance in my Sapphire UR account. The good news is that I haven't spent those points yet so I could transfer them back and bring the balance to 0. I still want to close that card, but what would Chase do about the negative balance? Would the negative points get wiped away or would Chase charge me for those points? Anyone ever have to deal with this?

Thanks
Personal Finance Deals
Free ebook "101 Best Cupcake Recipes" Kindle version @Amazon
Added on : Wednesday July 16th 2014 06:00:04 PM
g: 0 Posted By: imagine1128
Views: 25 Replies: 0 101 Best Cupcake Recipes: Sweet, Savory, Satisfying - Cupcakes For Everyone [Kindle Edition]
Donna K Stevens (Author)
4.5 out of 5 stars 11 customer reviews
Digital List Price:WAS $2.99 now FREE

​http://www.amazon.com/dp/B00C6QZNX0/

From Amazon#1 Best Selling Cupcake Book"The popularity of cupcakes is growing more and more each day. Having the knowledge of these recipes helps ensure that you can be part of the cupcake trend. You will find all the recipes you need including filled cupcakes, vegetables cupcakes and cheesecake cupcakes, to name a few. In addition, you will find the perfect toppings for each type of cupcake in the frosting chapter.

Each of these recipes will surprise you with different ingredients, maybe even some you have never used before. Step into a new aisle in the grocery store and gather up the ingredients you will need to make the perfect dessert for your next gathering CUPCAKES!"
Totally Free Deals
Financial implications of injury from auto accident
Added on : Wednesday July 16th 2014 04:00:08 PM
g: 0 Posted By: WhamBamTk
Views: 115 Replies: 0 Hello Fatwallet,

Please excuse the throwaway.

My wife was involved in a small car accident. She was rear-ended while stopped at a crosswalk. The other driver was cited.

The accident was at a relatively low speed. The other driver's car hit our trailer hitch and had some front bumper damage. Our car had some chipped paint on the bumper. No big deal; it's older.

She was experiencing some neck pain at the scene and was transported to the hospital via ambulance for x-rays. She already receives SSDI for an issue that - in part - involves her neck.

We have two uncertainties at this point:

1.) We are afraid about how our health insurance will treat this in the long term. That is to say, after this is all sorted out with the car insurance companies, would they ever blame long-term neck issues on the accident and deny payment?

2.) Is this something that requires a lawyer? The medical effects from this accident appear minor at this time, but we will know more later. Right now, we are not looking for anything but the payment of medical bills. We will not know the full extent of those for at least a few months.

I haven't seen a scenario like this on previously posted threads and would greatly appreciate any advice.

Many thanks.
New User Question Deals
Free Scrum Fundamentals Certified course + 10 PMI PDUs
Added on : Wednesday July 16th 2014 06:00:10 AM
g: 0 Posted By: Badshah69
Views: 90 Replies: 0 PMPs, take note of this offer!

Group: SCRUMstudy - #1 Group for Scrum and Agile; Download Free Scrum Body of Knowledge(340 pages)
Subject: Announcement from SCRUMstudy: Please complete your Free online certification course and become "Scrum Fundamentals Certified"; Recommend to your friends.

Have you completed your Free SCRUMstudy Certification course "Scrum Fundamentals Certified?" If not, please complete this course as soon as possible - start today and you can finish it within a few hours of study! Here is the link to enroll in this course:http://www.scrumstudy.com/Scrum-Fundamentals-Certified.asp

This is a fun online self-study course including videos, free SBOK Guide and a case study. And, at the end of the course(few hours of study), you will have:
a) Introductory knowledge of the Scrum framework and how to use it effectively in your projects
b) "Scrum Fundamentals Certified" certification - which will look great on your resume or LinkedIn profile.
c) 10 Free PMI PDUs which is valid for certified PMPs/CAPMs

Also, please share this email/message with your friends - so that they can also get access to this free certification course - "Scrum Fundamentals Certified"

Let us work together to grow the Scrum and Agile community!
Posted By SCRUMstudy (Accreditation Body for Scrum and Agile)
Totally Free Deals
Does IRS recognize a foreign marriage certificate?
Added on : Tuesday July 15th 2014 12:00:08 PM
g: -1 Posted By: stuckinlimbo
Views: 149 Replies: 8 Due to the marriage penalty tax, my SO and I have chosen not to get married on paper. Everything has been good these last few years (we saved about 7k in taxes so far), but recently with Obamacare, her employer sponsored health insurance cost has gone up drastically. For a procedure that used to cost $250 out of pocket, we are looking at $5k now this year (the benefit was basically cut from her plan). However, under my health plan, the OOP cost would be $500. I would like to add my SO to my employer health plan, but need a marriage certificate to do so. If I got a marriage certificate from another country, would the IRS recognize it which would then force us to file as a married couple?
Tax Deals
Reasonable Cash Tips to Hotel Maids = Deductible Biz Expense?
Added on : Tuesday July 15th 2014 07:00:06 AM
g: 0 Posted By: robronson
Views: 130 Replies: 3 I leave a tip for maids at hotels when I travel for work. I'm probably on the cheap side, but I leave $10 a week (for a 4-day work week). I figure $10 is reasonable to deal with my post-Taco-night toilet cleanings for a few days.

I don't submit these cash tips to my client for reimbursement because I feel weird about it even though I've heard some consultants do. Can I deduct these as a business expense? I obviously have no documentation/receipt. I could start keeping track in my own Excel spreadsheet but not sure if the IRS would consider that proof during an audit. I read in one of the IRS publications that cash tips are considered a business expense.

Anyone deduct these? Anyone know what the max is one can leave for a tip and not raise red flags during an audit? Obvious if you claim to leave a $100 cash tip each night, the IRS will call BS. But I think I read online $5 to $10 per night is considered a usual tip for a maid, which puts my $2.50 to shame.

Any experiences with this?
Personal Finance Deals
g: 0 Posted By: remick
Views: 29 Replies: 0 http://www.amazon.com/dp/B00CR6EJC0

4.4 out of 5 stars (27 customer reviews)

OK, I'm outing myself to you right here and now - I'm basically a "prepper junky".

I've spent most of my adult life doing such things as getting a license to be an Emergency Medical Technician (EMT) and also becoming "CERT (Community Emergency Response Team) Qualified" in Southern California. I've also been in tornadoes (Kansas), hurricanes (Hawaii), earthquakes (California) and even in the L.A. riots of the 1990's, so I guess I know a thing or two about emergency preparedness, and I would like to pass that knowledge on to you.

Most people think "preppers" are a bit looney. They think that we expect the worse to happen, and that we just go through life paranoid. My response to that is, "Better to have the peace of mind that I'm prepared to survive most any disaster than to be a head-in-the-clouds victim who doesn't have a clue."

Fact - in a serious community disaster (like a hurricane, or tornado), emergency response personnel will probably be so overwhelmed that they may not be able to get to you for several days.

Remember Hurricane Katrina and Superstorm Sandy?

Those who are prepared to be self-sufficient for a few days are soooo much better off than those who made no preparations and depend on outside help from the get-go.

Look, there are thousands of people every year who are directly affected by disasters - whether they are natural or man-made. A Bug Out Bag is just one of the things (and probably the easiest) that you can prepare for yourself and your family that will help you survive a disaster situation - whether the disaster is localized to your own house (a fire, for instance), or to your community - even a disaster that's affecting your whole country (civil unrest, maybe?).

So come on along, as this book not only covers Bug out Bags extensively, but also prepares you in other ways, too. You may become the "Go-To" person in your community after reading it and following the suggestions!
Totally Free Deals
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/dp/B008B9G7WM/

4.4 out of 5 stars (33 customer reviews)

Are you looking for the easiest way to start running or have started running before and found it too hard? If your answered yes to either of these questions then Running for Beginners: The easiest way to start running is the book is for you. This running book will guide you along the track to becoming a successful runner by giving you the knowledge and an easy to follow program.


Do you know what three things you need to buy before you even set foot out of the door?
Running is the cheapest sport that you can take part in and you only need a few key pieces of kit to get on the road. The Running for Beginners book discusses these three items so you can go shopping with knowledge.

Do you know what intervals are and how they can get you running for 30 minutes?
Intervals are a training technique used by amateurs and professionals alike to improve their performance. If you are a beginner you can use intervals to start running painlessly and without injury on the way.

Do you know why most people often fail at running?
How many times have you started running only to give up? How many people do you know that have done the same? This book explains why people often fail but it will set you up and give you the tools you need to succeed at running.

The whole ethos of the Running for Beginners and the Running4B training program is to remove the obstacles that often trip up new runners when they are starting out. The book covers everything you need to know to get you running for 30 minutes continuously.

After reading this book you will:

Know what you can gain from running
Know what to wear to be comfortable when out running
Know how to be a consistent runner
Know how to run correctly
Have an easy to follow program - The Running4B Program
Know how to measure progress
Know how to keep motivated
Have access to the downloads area on the support website for free!
Totally Free Deals
g: 0 Posted By: bittul
Views: 116 Replies: 0 If you missed this a few days ago... It's back in stock.

http://www.amazon.com/Covergirl-Clump-Crusher-Mascara-Lashblast/dp/B0094GHJI2/

"Clip" $3 coupon, and checkout via Subscribe and Save.
Makeup Deals

Amazon Coupons
Sony Xperia Z Ultra - Google Play Edition - $349
Added on : Monday July 14th 2014 03:00:02 PM
g: 0 Posted By: coolbreeze
Views: 26 Replies: 0 http://www.expansys-usa.com/sony-z-ultra-google-play-edition-unl...


Looks like Expansys' USA business bought up all the unsold units from the Play store. Yes it's huge. Yes you will look like king dork using it and yes it's a good price for what it is.

Retailed for $649 on Google Play up until a few weeks ago. This runs stock Android (Google Play Edition) and is unlocked. No bloat.
Help needed: WU MO bounced by Chase
Added on : Monday July 14th 2014 08:00:14 AM
g: 0 Posted By: ghasem0
Views: 49 Replies: 6 Couple of months ago I purchased a WU money order at a grocery store ( I kept the mo purchase receipt and the mo stub ). I filled it out payable to myself and deposited together with other mos at my local bank atm ( I kept the deposit atm receipt). Few days after that I withdrew the money.
About a week after the deposit, while making another deposit, I noticed that my account had been overdrawn. I went berserk. Called the bank cs rep, did not get much of help. Called WU and a machine confirmed it was cashed while in bank's possession( a day after the deposit date). Loaded with the receipt, stub and a copy of the bounced mo I headed to the branch where I deposited it in the first place. The banker was very uncooperative if not indifferent/hostile. I was told to wait for the letter from the bank with the legal copy of mo. I got the letter with the legal copy of the mo. The bank letter states the reason: "refer to maker". I called the loss prevention dep rep and was assured that it was their fault and If I deposited the legal copy of the mo again it would not bounce. And that's what I did. I deposited the legal copy inside the branch (kept the deposit receipt). It bounced again and they charged me returned item fee again.Went to the branch again, spoke with the branch manager. She did not help me. According to her there was nothing she could do and advised me to take it to WU.
So I initiated a research with WU. Got a letter from WU with the research payment trail records. It states clearly that the mo was "paid clean" by them and it provided the three different bank sequence numbersone for every time it was presented for payment. It looks like after i deposited the mo at the atm, tschaise presented the mo for payment twice (the very next day after the initial deposit date and again three days later on). Andthe third presentment per WU was a day after I deposited the legal copy inside the branch. So altogether this mo was presented for payment three times. The WU letter says that it was "paid clean" the very first time it was presented and was returned the at the next two presentments.Today I spoke with the bank operating loss prevention department analysts and was advised to go to the branch so they get a copy of WU letter faxed to them.
After spending good three hours in the branch and then again on the phone with loss prevention dep rep I was told to take it back with WU. Spoke with live WU rep for the first time and she told me that there is nothing more they can do.
I kept all the documents related to this mo. Bottom line is that the mo was cashed a day after it was deposited at the atm. At the time of cashing the mo was not in my possession but per the deposit receipt date and time it was in tschaise's possession.
Tschaise has given me a run around for two months already. I am not sure how to proceed from here on, never been in a situation like this one before.
I am sure I am not the first person to encounter a situation like this.
I need you help from guys.
Personal Finance Deals
g: 0 Posted By: tehbonz
Views: 102 Replies: 0 The lens was discontinued and there are not many on the internet for this price. 47th Street Photo is an Authorized Sigma dealer ( http://www.sigmaphoto.com/where-to-buy-sigma?circle_op=%3C&flat%... ). They probably very few left in stock.

Comparison:

Amazon:http://www.amazon.com/Sigma-120-300mm-2-8-Canon-Digital/dp/B004M... - $2699
47stphoto.com -http://47stphoto.com/sigma-120-300mm-f-2-8-ex-dg-os-apo-hsm-af-l... - $2495

If I had the money laying around, this lens would be mine.
SLR & dSLR Deals
g: 0 Posted By: remick
Views: 227 Replies: 0 http://www.amazon.com/gp/product/B00DWTB3DY
4.5 out of 5 stars See all reviews (61 customer reviews)

Using Paul's radical letter to the Philippians as his road map, Matt Chandler forsakes the trendy to invite readers into authentic Christian maturity.
The short book of Philippians is one of the most quoted in the Bible, yet Paul wrote it not for the popular sound bites, but to paint a picture of a mature Christian faith. While many give their lives to Jesus, few then go on to live a life of truly vibrant faith.
In this disruptively inspiring book, Chandler offers tangible ways to develop a faith of pursuing, chasing, knowing, and loving Jesus. Because if we clean up our lives but don't get Jesus, we've lost! So let the goal be Him. To live is Christ, to die is gainthis is the message of the letter. Therefore, our lives should be lived to Him, through Him, for Him, with Him, about Himeverything should be about Jesus.



In His Steps byCharles M. Sheldon
http://www.amazon.com/gp/product/B007TV12VY
4.5 out of 5 stars (138 customer reviews)

This classic that has been inspiring and challenging readers to a spiritual adventure for over a century now gets an updated look for a new generation.



Designed for Devotion: A 365-Day Journey from Genesis to Revelation
http://www.amazon.com/gp/product/B008SAO5TG
4.8 out of 5 stars (67 customer reviews)

Devotionals are designed to bring the reader into a more intimate relationship with God. Dianne Neal Matthews knows no better way for believers to know God more intimately than to immerse themselves in his Word. To that end, her new daily devotional combines fascinating historical background information about the Bible with practical application that readers can implement in their lives each day. She guides readers on a journey through the Bible from beginning to end, highlighting major events, characters, and stories, as well as difficult issues and topics (such as the concept of theophany, God's instructions to the Israelites to show no mercy as they entered the Promised Land, and what seems at first glance to be discrepancies between the Gospels).
Readers new to Bible study or those who long to learn more will appreciate the background information Matthews provides, as well as the way she shows how the Scriptures fit together to form a cohesive work. This is the perfect devotional for anyone who desires to go deeper into the Scriptures as they deepen their relationship with God.



The 7-Day Prayer Warrior Experience
http://www.amazon.com/gp/product/B00ET7Q4LE/
4.7 out of 5 stars (690 customer reviews)

The 7-Day Prayer Warrior Experience is a free eBook from bestselling author Stormie Omartian, developed using excerpts from Prayer Warrior and Prayer Warrior Prayer and Study Guide. Are you equipped for spiritual battle? Take the next seven days to put on the whole armor of God, that you may be able to stand against the wiles of the devil (Ephesians 6:11). Join Stormie as she explains the pieces of armor, what they mean, and how they can help you be a prayer warrior in your spiritual battle. With devotional thoughts, suggested prayers, ways to dig deeper, and opportunities to connect with Stormie and a whole community of prayer warriors, The 7-Day Prayer Warrior Experience will empower you with the truth that He who is in you is greater than he who is in the world (1 John 4:4).



The Prayer Box
http://www.amazon.com/gp/product/B00CH7KXY2
4.7 out of 5 stars (308 customer reviews)

ECPA 2014 Christian Book Award Finalist, Christy Award Finalist, Christianity Today Book Award Finalist!
When Iola Anne Poole, an old-timer on Hatteras Island, passes away in her bed at ninety-one, the struggling young mother in her rental cottage, Tandi Jo Reese, finds herself charged with the task of cleaning out Iola's rambling Victorian house.
Running from a messy, dangerous past, Tandi never expects to find more than a temporary hiding place within Iola's walls, but everything changes with the discovery of eighty-one carefully decorated prayer boxes, one for each year, spanning from Iola's youth to her last days. Hidden in the boxes is the story of a lifetime, written on random bits of paper--the hopes and wishes, fears and thoughts of an unassuming but complex woman passing through the seasons of an extraordinary, unsung life filled with journeys of faith, observations on love, and one final lesson that could change everything for Tandi.
Books Deals

Amazon Coupons
g: 1 Posted By: skidmark
Views: 183 Replies: 0 This has been dropping precipitously over the past few days. I've already ordered and canceled twice since this morning. Note: You will need to add fillers for free shipping if the price drops below $35.00.

This is a well-reviewed video editor that offers several levels of features (read: ease of use.) This physical media version comes with a paper manual, which should come in handy for getting oriented.

Cyberlink PowerDirector 12 Ultra

The 5 times Winner of PCMag Editor's Choice for Best Video Editing Software and Take Video Creation to a Whole New Level: MultiCam Designer, Theme Designer, Design Studio Tools, Motion Blur Effect
Intuitive Editing Environment: Easy-to-use Multiple Start-up Modes, Powerful Editing Tools, Subtitle Room, End-to-End 4K and 3D Editing, Productive Working Environment, Content-Aware Editing
Stunning Effects: More Built-in High-Quality Effects, One-click Color Presets
World's Fastest Post-production: Native 64-bit Support, TrueVelocity 4 Engine, 40% Faster H; 264 Encoding, Optimized for Intel 4th Gen CoreTM
Pro-Quality Video Production: Vast Output Formats, TrueTheater Enhancement



Software Deals

Amazon Coupons
Package deals + last minute travel sites
Added on : Sunday July 13th 2014 07:00:09 AM
g: 0 Posted By: Mawashi
Views: 28 Replies: 0 Few sites that might be of help to some.
adioso.com
golastminute.com
fareboom.com
Deals Deals
g: 0 Posted By: dynotchan
Views: 143 Replies: 0 I was at the local Radio Shack and saw few of these for clearance price at $19.99. Just snatched one. If you have iPhone or iPad you will be delighted with AirPlay. I believe it is in store only. YMMV though.
Electronics Deals

RadioShack Coupons
Going after a mortgage broker
Added on : Saturday July 12th 2014 03:00:11 PM
g: 0 Posted By: alamo11
Views: 49 Replies: 0 I'm coming to the FWF community for help with a situation involving a close friend. This person is very deserving and has done a lot of good for others in the community myself included. Recently he purchased a short sale. His DTI wasn't good enough for a 15 year so the broker his mortgage guy put him in a 30 year at a high rate (4.875%) but with no closing costs so he could refinance after he bought the place.

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

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

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

Since then I'm working with a direct lender and got a similar deal as he was supposed to get just about $800 more in costs. How do I go about getting this guy arrested or in serious trouble? I wanted to put the fear of god into this guy but my friend restrained me from beating the living shit out of him.
Discussion Deals
g: 0 Posted By: linrick
Views: 208 Replies: 0 Cuisinart Chef's Classic Stainless 7 pc. Cookware Set (77-7)The kitchens of France were the inspiration behind the elegant Cuisinart Chef's Classic Stainless Cookware Collection. Chef's Classic features 18/10 stainless steel and pure aluminum encapsulated in the base for fast and even heating. We guarantee it with a limited lifetime warranty.Features

Chef's Choice Stainless:
18/10 mirror finish. Classic looks, professional performance.
Unsurpassed Heat Distribution:
Aluminum encapsulated base heats quickly and spreads heat evenly. Eliminates hot spots.
Stainless Steel for Professional Results:
18/10 stainless steel cooking surface does not discolor, react with food or alter flavors. Great for classic cooking techniques like slow simmers, rolling boils and reduction of liquids.
Cool Grip Handle:
Solid stainless steel riveted handle stays cool on the stovetop. A helper handle provides extra support and balance when lifting and pouring.
Drip-Free Pouring:
Rim is tapered for drip-free pouring.
Flavor Lock Lid:
Tightfitting cover seals in moisture and nutrients for healthier, more flavorful results, every time you cook.
Dishwasher Safe:
Premium 18/10 stainless steel easily cleans to original brilliant finish.
Constructed to Last:
Limited Lifetime Warranty.
Set includes:
(719-16) 1-1/2 Qt. Saucepan w/Cover
(7193-20) 3 Qt. Saucepan w/Cover
(722-24) 10" Open Skillet
(766-24) 8 Qt. Stockpot w/Cover

buydig price is $69.95 w/free shipping. Apply code "15POFF" for 15% off for final price of $59.46. Amazon is 49cents more after applying $10 coupon, but may be taxed on few people. Price is $99+ everywhere else.

linkymoo
Home & Garden Deals

Buydig Coupons
Ion Block Rocker $95 or $120 @ Costco B&M
Added on : Saturday July 12th 2014 02:00:03 PM
g: 0 Posted By: peas
Views: 56 Replies: 0 Costco has the Ion Block Rocker portable wheeled bluetooth + AM/FM radio sound system for $120. Their website lists the same pricebut it's not available for shipping anymore. The store near me has had it for at least a few weeks and there were plenty left.

If you have the Amex $25 off Costcopromo, you can get it down to $95 + tax.

Some reviewers have complained about the Bluetooth range. I tested it in the store with a Nexus 4 and it kept the connection to about 100 ft away, with some obstructions. The NFC pairing was great. Just tapped my phone on the NFC spot and it automatically paired & connected. Sound quality was good, though I could tell it might start to distort at the highest volumes.

Comes with a wired microphone. Has USB ports to charge devices. Also has a 3.5mm audio input for non-Bluetooth devices.

For comparison, it's$165 @ Amazonwith 4/5 stars.
Electronics Deals
100k AA miles how do i utilize the points in best possible way!
Added on : Saturday July 12th 2014 11:00:08 AM
g: 0 Posted By: ganeshwar
Views: 95 Replies: 1 100k AA miles how do i utilize the points in best possible way!

I would like to cancel my card in next few months, as I don't travel much from what i anticipating.so my miles will not go towards flying..

If i try to order Giftcard i could get only 400$ only,is there a better possibility other than this to redeem my miles 110K miles?

Appreciate your opinions.
Air Travel Deals
Dress pants $3.25 at Sears Outlet B&M stores YMMV
Added on : Saturday July 12th 2014 08:00:02 AM
g: 0 Posted By: StevenColorado
Views: 259 Replies: 0 First off, few Sears Outlet Stores carry apparel. Before you go, call and check.

I was at a Sears Outlet store, and found that they are clearing out some men's pants. The clearance prices were 50% off, and some were 75% off, from the base price of $13 (which is in itself a bargain because the MSRPs are $40 and $60). There were shirts being clearanced out as well, but not as good deals.

I'm not sure if the clearance prices are nationwide, so YMMV.

Note: the apparel is not sold online, so this is for B&M only.
Clothing Deals

Sears Outlet Coupons
g: 0 Posted By: ctgolfer
Views: 220 Replies: 2 Display 7" HDX touchscreen display, with 1920 x 1200 resolution at 323ppi, 100% sRGB color accuracy, video playback up to 1080p, max brightness over 400 nits, Dynamic Image Contrast, reduced glare, and advanced polarizing filter Size 7.3 x 5.0 x 0.35" (186 x 128 x 9.0mm) Weight Wi-Fi - 10.7 ounces (303 grams); 4G LTE + Wi-Fi - 11.0 ounces (311 grams)
=smallerActual size and weight may vary by configuration and manufacturing process CPU & RAM 2.2GHz Quad-core Snapdragon 800 CPU, with Adreno 330 GPU and 2GB of RAM Storage 16GB (10.9GB available to user) or 32GB (25.1GB available to user), or 64GB (53.7GB available to user) of internal storage Battery Life Up to 11 hours of reading, surfing the web on Wi-Fi, watching video, or listening to music. Up to 17 hours of battery life when only reading. Battery life will vary based on device settings, usage, and other factors such as web browsing and downloading content. Actual results may vary Charge Time Fully charges in under 6 hours using the micro-USB power adapter included in the box, or slightly longer with other micro-USB power adapters that you may already have Wi-Fi Connectivity Dual-band, dual-antenna Wi-Fi (MIMO+HT40) for faster streaming and fewer dropped connections than standard Wi-Fi. Supports public and private Wi-Fi networks or hotspots that use the 802.11a, 802.11b, 802.11g, or 802.11n standard with support for WEP, WPA and WPA2 security using password authentication; does not support connecting to ad-hoc (or peer-to-peer) Wi-Fi networks 4G Connectivity Support for ultra-fast 4G LTE wireless networks with HSPA+, HSDPA, and, with AT&T Wireless, EDGE/GPRS fallback Ports USB 2.0 (micro-B connector) port for connection to a PC or Macintosh computer or to charge your device with the included power adapter Audio 3.5mm stereo jack and integrated stereo speakers with Dolby Digital Plus audio engine Content Formats Supported Kindle (AZW), KF8, TXT, PDF, unprotected MOBI, PRC natively, Audible Enhanced format (AAX), DOC, DOCX, JPEG, GIF, PNG, BMP, Dolby Digital (AC-3), Dolby Digital Plus (E-AC-3), non-DRM AAC, MP3, MIDI, PCM/WAVE, OGG, WAV, M4V, MP4, AAC LC/LTP, HE-AACv1, HE-AACv2, MKV, AMR-NB, AMR-WB, HTML5, CSS3, 3GP, VP8 (WEBM) Sensors Ambient light sensor, accelerometer, gyroscope, GPS (4G) Location Services Location-based services via Wi-Fi. 4G model also uses assisted-GPS Additional Features External volume controls, front-facing 720p HD camera, built-in dual microphone, built-in Bluetooth with support for A2DP compatible stereo headphones, headsets, and speakers Accessibility Features Screen Reader, Explore by Touch, and Screen Magnifier, enabling access to the vast majority of Kindle Fire features. Screen Reader features IVONA's award-winning natural language text-to-speech voice. Also includes adjustable font sizes/color, and built-in Oxford dictionary. System Requirements Kindle Fire HDX is ready to use right out of the box - no setup, no software to install, no computer required to download content Warranty and Service 1-year Limited Warranty and service included. Optional 2-year Extended Warranty available for U.S. customers sold separately. Included in the Box Kindle Fire 7" HDX Tablet, USB 2.0 Cable, 5W Power Adapter, and Quick Start Guide
www.ebay.com/itm/Amazon-Kindle-Fire-HDX-7-Tablet-16GB-WiFi-inclu...
Tablets & iPads Deals

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

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



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

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


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

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



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

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

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

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

Montmartre Neighborhood Guide (Bravo Your City! Book 6)
http://www.amazon.com/gp/product/B00EDE3RC2
Totally Free Deals
g: 0 Posted By: SieSilverStars
Views: 240 Replies: 0 The Majestic Home Goods Indoor Outdoor Reading Pillow is on sale at Kohl's for $12.60 with free shipping.

Link

Use coupon code "BEACH30" for 30% off and coupon code "JULYMVC" during checkout for free shipping.
And like usual, spend $50.00 and you'll get $10.00 Kohl's Cash.


If you're not a Kohl's Cardholder, use either "SEASHELLS" or "SUNNY" to get the price down to $15.30. Free shipping on orders of $50.00 or more with coupon "FREE50JULY"
Shipping is free on orders over $75.00 for non-cardholders.


They also have $10.00 off $30.00 purchase with coupon code "GR8FINDS" is applied during checkout, use that coupon for a lower price!


A few other good deals like this one (Prices After Coupon):

Majestic Home Goods Chevron Indoor Outdoor Kick-It Chairs- $20.30 w/ Free Shipping for Cardholders; $24.65 + Shipping for Non-Cardholders.
Majestic Home Goods Small Beanbag- $18.34 w/ Free Shipping for Cardholders; $22.27 + Shipping for Non-Cardholders.
Majestic Home Goods Indoor Outdoor Ottoman- $8.75 w/ Free Shipping for Cardholders; $10.62 + Shipping for Non-Cardholders.
Majestic Home Goods Indoor Outdoor Throw Pillows - $4.48 w/ Free Shipping for Cardholders; $5.44 + Shipping for Non-Cardholders.



Keep in mind: At Kohl's you're allowed to stack 3 coupons..a % off, a $ off, and a free shipping coupon.


Home & Garden Deals

Kohl's Coupons
g: 2 Posted By: lindanesral
Views: 199 Replies: 1 Amazon has cheap Loom bands - 100% Latex free silicone.

Package includes:
1800 bands in total
600 glow in the dark bands
5 Charms
3 hooks
90 S-Clips

http://www.amazon.com/Loom-Rubber-Bands-Refills-Value/dp/B00GJSW...

Apply 50% OFF code: M49QR3HA valid for few days more

Note - I also got a 40% off coupon for next purchase in the package.
Toys & Hobby Deals

Amazon Coupons
Free Tom Clancys Ghost Recon Phantom Assault Starter Pack - Steam
Added on : Friday July 11th 2014 01:00:06 PM
g: 0 Posted By: remick
Views: 128 Replies: 0 http://gamingbolt.com/tom-clancys-ghost-recon-phantom-undergoing...

Today, Ubisoft announced that Tom Clancys Ghost Recon Phantoms will be getting a new game update, bringing the version number up to 1.2. The new update retools the games weapons to change their balance based on feedback that Ubisoft has gotten since the games release a few weeks ago. Apart from the mechanical changes, the game will also retool and rebalance simple things like movement, as well as player progression through ranks and classes.
To celebrate all of these changes, Ubisoft has also announced a new Steam weekend promotion for this game- from July 11 to July 14, for a period of three days, players can download one free starter bundle for the game free, for a total of up to three bundles (roughly $30 in terms of value). Thats a pretty good deal, and a great way to get into this game, if you were thinking about doing that at all.


http://store.steampowered.com/agecheck/app/277970/
Toys, Games,& Collectibles Deals
g: 1 Posted By: ctgolfer
Views: 822 Replies: 1 Roku 2710XB 1 Streaming Media Player:

1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, and more
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Quick and easy setup. Sets up wirelessly in minutes with just a few simple steps
Channel shortcut buttons. Jump straight to favorites with one push of the remote
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and MGo

Roku 2720XB 2 (2013 Model) 1080p Streaming Media Player with Enhanced Headphone-Enabled Remote:Crank up the volume, and enjoy the show with the Roku 2. Dive into 1,000+ channels of movies, TV shows, sports and more in stunning 1080p HD. Watch without disturbing the house when you plug headphones into the remote. Enjoy free features like channel shortcut buttons and much more.

Remote withheadphone jackfor private listening. Use the included headphones and crank up the volume to enjoy a late-night flick without disturbing the household
1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, fitness, cooking, and more
Works with virtually any TV. Connects easily to HDTVs and standard definition TVs
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Extended-range wireless. A robust dual-band wireless connection seamlessly streams video with ease and speed
Channel shortcut buttons. Jump straight to favorite channels such as Netflix and M-GO with the push of a button
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and M-GO
FreeiOSandAndroidapps. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV

Comparison Chart

Shipping Note:Eligible for shipping to all 50 states

Warranty:90 Day Roku

http://sellout.woot.com/offers/roku-1-or-2-streaming-media-playe...
TV Deals

woot! Coupons
g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.amazon.com/gp/product/B00KGQS7EE

THE ART OF PHOTOGRAPHY is Book 2 of the Digital Photography Series. It is a highly illustrated guide to camera settings, composition guidelines, and sources of inspiration.
Learn how to move from snapshots to works of art. In this second book of the DIGITAL PHOTOGRAPHY SERIES by Al Judge, the focus is on artistic presentation and pleasing images. Learn from the experience of others.
What are "Typical" camera settings for popular types of images?
What factors make some images more appealing than others?
How do you find your source of inspiration?
How do other photographers view there art? What inspires them?
What equipment do you need for better results?
˃˃˃ Until now, Al Judge has written books to enhance your technical photographic skills. Now it is time to use that knowledge in a more artistic way.
This is Al's first book that relies on some previous knowledge of Digital Photography. That foundation was established in Book One of this series Mastering Digital Cameras. That knowledge is used to move effortlessly to more artistic images.

Digital cameras have advanced so much in the last decade that anyone can get a few great images by simply pointing at a scene and pushing a button. The joy and excitement comes when you learn to plan your images to convey an emotion or feeling and do it successfully.

We all know pleasing images when we see them, but few people understand why those images are so appealing. Art is unique to every person, but there are certain rules or guidelines that seem to be hard wired into the human brain. In this book, you will learn about the Rule of Thirds and other widely accepted artistic concepts.

˃˃˃ Learn from other photographers!
The chapters of this book are separated by two page articles about the work of eight different photographers. These photographers range from highly-acclaimed world-renowned professionals to pure amateurs. Regardless of perceived success, they were invited to participate in this venture because their images are inspirational and beautiful. The amateurs prove that you don't have to be a professional and own thousands of dollars worth of camera equipment to produce great images. The professionals help us to see what is possible with dedication to the art. All of these Featured Artists love photography and it shows in their work.
Totally Free Deals
Free Kindle Book- Imagine Create Explore 3 Volume Set (was $15.99)
Added on : Friday July 11th 2014 02:00:07 AM
g: 0 Posted By: remick
Views: 185 Replies: 0 http://www.amazon.com/gp/product/B00BSKK4KW

Adorn yourself and your home in handmade beauty. Here are forty-eight imaginative works designed by ICE Resin Creative Team Members Cat Kerr, JoAnnA Pierotti, Michael Jack Putman and Lesley Fisher, Andrea Ring, Tina Schiefer, Kathy Thompson, and Special Project Team Member Cindi Bisson, plus two bonus projects by Jen Cushman and Kirsten Robinson. Techniques for adding color and texture to resin, layering objects in a bezel, cold joins, wire work are just a few of the ways to create mixed media jewelry. Together, these designers captured the essence of a starry night, a walk on a beach, the beauty of a garden, birdsong, the sweetness of a baby, the love of bling, and a places to keep your treasures made possible by Susan Lenart Kazmers creation of ICE Resin.
Books Deals

Amazon Coupons
Roku 1 or 2 Streaming Media Players $29.99$39.99 w/FS @ Woot
Added on : Thursday July 10th 2014 10:00:02 PM
g: 0 Posted By: ctgolfer
Views: 1 Replies: 0 Roku 2710XB 1 Streaming Media Player:

1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, and more
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Quick and easy setup. Sets up wirelessly in minutes with just a few simple steps
Channel shortcut buttons. Jump straight to favorites with one push of the remote
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and MGo

Roku 2720XB 2 (2013 Model) 1080p Streaming Media Player with Enhanced Headphone-Enabled Remote:Crank up the volume, and enjoy the show with the Roku 2. Dive into 1,000+ channels of movies, TV shows, sports and more in stunning 1080p HD. Watch without disturbing the house when you plug headphones into the remote. Enjoy free features like channel shortcut buttons and much more.

Remote withheadphone jackfor private listening. Use the included headphones and crank up the volume to enjoy a late-night flick without disturbing the household
1,000+ entertainment channels. Choose from the best selection and widest variety of streaming entertainment, including movies, TV shows, music, sports, news, fitness, cooking, and more
Works with virtually any TV. Connects easily to HDTVs and standard definition TVs
Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD
Extended-range wireless. A robust dual-band wireless connection seamlessly streams video with ease and speed
Channel shortcut buttons. Jump straight to favorite channels such as Netflix and M-GO with the push of a button
One-stop search. Find your favorite movies and shows in a flash from top channels like Netflix, Hulu Plus, Amazon Instant Video, Vudu, and M-GO
FreeiOSandAndroidapps. Use it like a remote. Browse and add new channels. Even stream your music and photos from your phone or tablet to your HDTV

Comparison ChartShipping Note:Eligible for shipping to all 50 statesWarranty:90 Day Roku

http://sellout.woot.com/offers/roku-1-or-2-streaming-media-playe...
Plink has rewards! Go, spend points!
Added on : Thursday July 10th 2014 08:00:03 PM
g: 0 Posted By: chuck2584
Views: 107 Replies: 0 I have been watching Plink for the past few days, in reference to a recent post questioning their business model (no rewards for a while). Tonight I cashed in for a 25$ Amazon card. Already delivered. If you have been watching but unable to cash out, make sure to start from the main page. Staying on the rewards page and refreshing may not update.
Plink Deals
g: 1 Posted By: LearningFast
Views: 121 Replies: 4 Hi all, I am a new member who is still very much learning how to manage money and credit, but have learned a ton reading these forums in the past couple of years when I had literally no credit file.
Below I tried to condense the very helpful things Ive learned here into a little HOW TO which I think contains all the things I wish I knew a while ago and learned here, albeit fragmented. Of course, all these will differ between people so feel free to add.
The two general rules of the money life that Ive learned.
1. Small discounts really can add up, if done right.
2. If your credit file had mass, it would be worth its weight in gold. Good credit allows you to get low interest car and mortgage loans, which (because of how compounding interest works) can save you even tens of thousands of dollars.
Ok, so how do you get ahead? Lets assume you have no credit at all and make a very low income (say $20,000/year). Right now:
- Get a credit card. Definitely #1 on your list. You should get a credit card with rewards if at all possible. Student cards (if you are one) will usually have top notch rewards and can be approved for people with no limit (Discover It for students, Sallie Mae Mastercard, Chase Dividend for students, BoA Cash Rewards for Students are some good ones). If you have a bank youve had a relationship with for a while, tap them for a card I got my first CC like that, and it has great rewards. Pick a no annual fee card, preferentially from a prime lender, as this account should be with you for life. If you cant get a credit card from anywhere, get a secured card first, and then after 6 months get a real credit card.
-Begin tracking your credit. Sign up for creditkarma.com, creditsesame.com and quizzle.com. These sites allow you to track your credit report in real time from the three US credit reporting agencies, and give you credit scores. These scores are not the true scores used by lenders (they use a different algorithm) but the trend can be useful as a rough estimation in how youre doing. -=7pt Begin tracking all your expenses using a service like mint.com
- Move all your primary banking to a rewards checking account from a credit union (places like Lake Michigan Credit Union, Inova Credit Union, Great Lakes credit union are good ones). Rewards checking accounts have no fees and offer much higher interest than any savings account, and usually will reimburse ATM fees and sometimes give free checks. It doesnt matter if you dont live near the credit union, because internet.
-Open a Roth IRA account, where you can put after-tax money which you will then take out tax free at retirement (or as a one time thing when you buy a house). This a fantastic deal for people in their 20s with low income (and a low tax rate).

For the next 6 months:
-Pay your credit card bill BEFORE the statement cuts each month. That way not only will you not carry a large balance (its good to leave a few dollars there) but if you have a low limit having even $200 there can make it look like a huge utilization and hurt your credit.
- Use your rewards credit card to pay for everything. CashBack/points add up if you use them all the time. If your rent is under $1,500, use SERVE with Isis to load money using your credit card (and get points) and then use the Billpay feature to pay rent and any other utilities you cant pay with a CC.

6-12 months
- ask for a credit line increase on your credit card (depending on the issuer, this might be a hard credit pull)
-get another CC or two. Strongly consider applying for an easy to get AMEX like BlueSky Everyday. All AMEX cards are pretty good. The golden feature about them is that AMEX backdates all cards to the moment you joined AMEX, so all FUTURE AMEX cards will show up as being opened at the same time. This will help your credit score in the future. This is also a good time to try get a workhorse card: a card which gives universal high CashBack/miles. These are the Fidelity Amex (underwritten by BoA), which offers 2% CashBack on everything, the Capital One Venture (essentially 2%, but has an annual fee). If you get denied, call recon (see below).

1.5-2 years:
- If youve been doing everything right you should have a credit score in the 700+ range and be eligible for some pretty nice rewards cards by now. Which ones you get depends on your spending pattern. For example, I applied for the US Bank Cash+ Visa Signature because I eat out a lot. Now Visa Sig cards are difficult for you, because by definition they need to have a credit line of over $5000. I was in fact offered an inferior product instead, but told I can PC later (not uncommon for US Bank). Called once a month, and after two months I had the Cash+.

2 years+
-By now you should be eligible for pretty much any CC you want, although some might be hard for you to get. The holy grail of high end credit cards for people with super good credit are the ones from the Pentagon Federal Credit Union. There you can get 5% CashBack on gas, ~4% CashBack on airline tickets. Hard to get but not impossible at this stage. Just make sure you have no inquiries on quizzle and very low balances on all other cards when you apply.

Beyond: Cant comment, this is where I am

Note: many (if not most) credit card rejections can actually be overturned if you pick up the phone and call the reconsideration line for that lender to talk to an underwriter. Dont be afraid to ask What can you do for me? If youve been a customer for that bank for a while, let them know etc.
Discussion Deals
Solutions for Vehicle with Negative Equity
Added on : Thursday July 10th 2014 09:00:08 AM
g: 0 Posted By: ChallengedCarBuyer
Views: 209 Replies: 18 We own 2 cars, a 2006 Nissan Altima (145K miles) and a 2008 Ford Edge (97K miles). The Nissan is paid off and worth about $6K and the Fordis worth about $12K with $23K still owed (due to the deal that we made back when purchased in 2011, with a significant amount of negative equity rolled into it). With the current payment of approximately $700 it feels as if we are somewhat stuck for a while. Our credit scores are rebounding nicely from prior issues and we are consistently in the 680-690 over the last 2 months.

With 2 aging cars and a high payment we are wanting to make a change. Options that we are considering are
1) Trade 2 cars towards the purchase of 1,to lessen the negative equity and end up with a lower payment with only 1 car (we both work in different areas, so this may be challenging)
2) Same scenario as above, but supplementing the 1 car with an enterprise rental 3 or 4 days a week. This way we'd only have to pay for insurance on 1 vehicle, offsetting the costof a rental, having less to report on a credit report, but also having no second asset.
3) Trading the 2cars towards one, and then purchasing/leasing a 2nd one, with the total payments for both being near the $700 of the current vehicle
4)status quo

We have up to $5K that we could put towards the deals, if needed. How do any of those options sound? Any better proposals/alternatives? Same options, wait a few months to let our credit hit 700? Thanks for the input.

Personal Finance Deals
g: 0 Posted By: n00ber
Views: 136 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=0H5-00Y6-00001

BAFX Bluetooth OBD2 Diagnostic Scan Tool for $18.99 sold and shipped by BAFX Products LLC through Newegg with free shipping available.

Offer ends 7/24/2014

I've ordered one for myself with the free shipping option and have been notified that the item has been shipped via USPS from Wisconsin.

Most orders that I've placed with Newegg usually ended up being shipped to me from Edison, NJ with only a few exceptions that were sent from Memphis, TN.

I'm guessing that this order may have went through Newegg Market Place but I have no idea. It's been shipped out by the manufacturer BAFX itself and I won't be losing any sleep over this. I'm just making a note of this because this is the first time I've put in an order through Newegg that ended up being fulfilled by someone else.

Meanwhile Amazon is selling this $23.99 and you'll need Amazon Prime or a $35 minimum order to get free shipping.

(Hey, how do I edit this to show that it should be in the "Tools & Automotive" category?)
Electronics Deals

Newegg Coupons
Sump Pump Failure-Allstate
Added on : Wednesday July 09th 2014 09:00:06 PM
g: 0 Posted By: JenMP
Views: 2 Replies: 0 We just bought our first house, a few weeks ago actually. We have Allstate for home insurance. Our basement flooded today. My studio is down there and thankfully not too much was ruined. The carpet is soggy, and we had like 1-2 inches, the shelves are ruined, and the wood floor in the bedroom is ruined, other than that, from what I can see, we are good. AWESOME thing is I put sump pump insurance on the house on Monday, and the basement flooded today (Wednesday, so 2 days later) We have $10,000 on it. Since it was late, they haven't been super helpful. I'm worried that the emergency crew we had come out to start the process of getting the water out is covered. I asked Allstate numerous times and the people I talked to didn't know. I am HOPING it's covered because I think it's like $4000. That's my question. Also, is there a way for me to strongly urge Allstate to cover new floor? I'd rather just have tile put down there because the carpet will just get ruined if this ever happens again. The guy checked it when he came to start sucking out the water and etc and said he didn't think it was too damaged. IDK what it's called, but the thing underneath the carpet (not the mat, its the plastic thing on the other side of the carpet) wasn't coming off. I seriously do not want this carpet and am hoping they will cover tile. Welcome to home ownership I suppose. lol
Question Deals
g: 0 Posted By: LongDongSilver
Views: 211 Replies: 0 There are quite a few of these refurb laptops on Lenovo Outlet now. Much better quality than the low-end Toshibas, plus the MATTE screen that is more common on the business class laptops. Lenovo factory refurbs are as good as new.

Lenovo Outlet

ThinkPad E545 - Refurbished
Processor: AMD Accelerated Processor A6-5350M (dual-core, 2.90GHz, 1MB L2 cache)
Operating system: Windows 8 Standard 64 - English
Display: 15.6" HD WXGA (1366 X 768) LED Backlight w/720p HD Camera
Graphics: AMD Radeon HD 8450G Graphics
Memory: 4 GB PC3-12800 DDR3L SDRAM 1600MHz SODIMM Memory
Hard Drive: 320GB, 5400RPM Serial ATA 2.5" Hard Drive
Optical Drive: DVD Recordable Serial ATA
Lenovo Outlet Deals
g: 0 Posted By: LongDongSilver
Views: 58 Replies: 0 There are quite a few of these laptops on Lenovo Outlet now. Much better quality than the low-end Toshibas.

Lenovo Outlet

ThinkPad E545 - Refurbished
Processor: AMD Accelerated Processor A6-5350M (dual-core, 2.90GHz, 1MB L2 cache)
Operating system: Windows 8 Standard 64 - English
Display: 15.6" HD WXGA (1366 X 768) LED Backlight w/720p HD Camera
Graphics: AMD Radeon HD 8450G Graphics
Memory: 4 GB PC3-12800 DDR3L SDRAM 1600MHz SODIMM Memory
Hard Drive: 320GB, 5400RPM Serial ATA 2.5" Hard Drive
Optical Drive: DVD Recordable Serial ATA
Lenovo Outlet Deals
g: 0 Posted By: NonReturnable
Views: 103 Replies: 2 My wife's biological mother lives in Argentina. We live in the US.

My wife last saw her mother when she was 12. She was left with her father.
Same for my wife's half brother, he was left with his father in another state.
Needless to say, she's not the best mother.

My wife grew up with her father and step-mom. Everything worked out.

A few years ago my wife first found her half brother via the internet.
Then, a while after that, her bio-mom got back in touch with her, again via the internet.

A few months ago she called and let my wife know she was having seizures.
Today, we got a phone call in spanish, and after some translation thanks to google, we figured out they were asking her to call her mom. I'm assuming the mom didn't have enough money for an international call.
My wife called, and found out she has brain cancer, and the doctors say she has around 2 months left.

We can not afford to go visit. Even if my wife went alone, the price of a ticket is just out of range to visit someone that...in all honesty wasn't someone my wife was that attached to.
Obviously she's upset, but she agrees its just not feasible to spend $2000 and 48 hours on a plane to do a visit. They'll be doing some video chatting and phone calls (I'll make sure I'll record it for when the kids are older).

I have some financial concerns -
The mom put my wife down as an emergency contact with her medical info. The mother is flat broke. For a time she lived in an orphanage and was given room and board in exchange for working. Now it sounds like she's living with a friend. Has no job, etc.If, for example, my wife wanted her ashes to split with her half brother, how would that be worked out? We're not 100% trusting of her mom, and I'm wary of being scammed by working with a "friend" of the mom or something.

It is my understanding she has dual citizenship with the US (or at least, never renounced her argentine citizenship). She immigrated to the US when she was very young, and was in the US Army and received an honorable discharge. She mentioned there may be life insurance money, or at least money for a burial or cremation through the VA. She is also apparently owed quite a bit of back disability money by the VA. She's asked my wife to help her get that sorted out a number of times, she's tried, we'll get the mom in contact with the right people, then something never happens, wait a few months, rinse, repeat. Should I be contacting a lawyer to figure this out? Is it even worth pursuing? I'm not trying to approach this like I could make some cash, but if there is the possibility that my wife could get something to put towards her education costs (she starts an MBA program next month) that would certainly be beneficial.

Not speaking any spanish (my wife speaks restaurant spanish at best), what is the best route to go to get things like a copy of the death certificate, any personal belongings the mom wants my wife or her brother to have after death, etc. The mom is making sure her friends and the hospital have my wife's information. The language barrier is a problem. This isn't the first time we've gotten a phone call from someone whom only speaks spanish, and had to use google translate and yes/no questions to figure out what was doing on.

Are there any scams I should be aware of that could be going on here (besides the mom making this whole thing up. Which we've discussed, but she's not asked for any money or anything thus far).

Any advice or suggestions anyone has, I'd certainly appreciate.

TL;DR - Wife's broke deadbeat mom is dying of brain cancer in Argentina.. Any advice about how to get burial or ashes worked out, any personal belongings the wife wants shared shipped up here, and any possibility of life / burial insurance worked out.
Personal Finance Deals
g: 1 Posted By: ctgolfer
Views: 122 Replies: 0 shipping adds $5

Condition:Factory Reconditioned

Panasonic KX-TG7733S DECT 6.0 Plus 3-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

Bluetooth Convergence Solution
Like using your cell phone at home but don't like carrying it around? Now you can make and receive cell phone calls though your multi-handset home phone with the Bluetooth-powered Panasonic Link-to-Cell. Link-to-Cell harnesses the power of Bluetooth to combine the freedom of your cell phone and the convenience of a home phone. By linking your cell phone to the Bluetooth-powered Panasonic Link-to-Cell, you can make or receive calls on all compatible Panasonic home phone handsets. Don't want to be without your cell phone's phonebook? No problem. With Link-to-Cell's Phonebook Transfer feature, you can transfer up to 600 names and numbers from your cell phone to the built-in handset directory via Bluetooth. Link-to-Cell also features Bluetooth headset connectivity so you can keep the conversation going and your hands free. Perfect for those times when you're talking but need to walk around your office or home, open drawers, flip through files or write.

Dect 6.0 Plus
Dect Plus technology takes the superb sound quality and outstanding range of DECT 6.0 phones to a whole new level. By increasing the frequency of error correction by up to 80x, the transmission quality is improved and the phone's range is extended. Engineered to work in 1.9GHz frequency, our DECT 6.0 phones won't conflict with common wireless devices such as 2.4GHz routers, wireless keyboards and mice, microwave ovens and other household items. And because it's digital, you'll enjoy long range and clear sound while deterring eavesdropping.

Talking Caller ID
Now you can hear who's calling from across the room without having to get up. Using text-to-speech technology, Panasonic phones featuring Talking Caller ID announce caller ID information in between rings. What could be more convenient?

1.8 White Backlit Handset Display
See whos calling at a glance on our wide, 1.8-inch LCD and set screen. Featuring black text against a white-backlit display, its crystal clear and easy to readeven from a short distance away.

LED Light-Up Indicator
Now, you can know when a calls coming in or if you have a messageeven if youre vacuuming or listening to music. A large, bright LED indicator on top of the handset lights up when you get a call or a message, so youll always be connected.

Easy-to-Use Big Buttons
We streamlined our keypad to include fewer buttons while also making them larger. No more fumbling to find the right key, and no more dialing the wrong number.

Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day Panasonic



Panasonic KX-TG385SK DECT 6.0 Plus 5-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

USB Charge
No convenient electrical outlet for charging your cell phone or smart phone? No problem. The base unit features a convenient USB charging port. And because its Link2Cell, you can answer your cell phone calls on your Panasonic home phone handsets without draining your cell phone battery.

Text Message (SMS) Alert
Never miss a text message again. The Text Message Alert feature notifies you of received text message on your cell phone through an alert on your cordless handset when your cell phone is synced to the base unit.

Enhanced Noise Reduction
Enhanced Noise Reduction not only suppresses background noise but also enhances your voice at the same time. Which means the next time your teenager calls you from a concert, youll actually be able to hear him.

DECT 6.0 Plus Technology
If youre looking for superb sound quality and long range, look no further than the DECT 6.0 Plus technology in Panasonic cordless phones. Thanks to error correction up to 80x, you get clear transmission even with extended range. Engineered to work in 1.9GHz frequency, our DECT 6.0 Plus phones won't interfere with wireless devices such as routers, wireless keyboards and microwave ovens. Whether you use them in the basement or the backyard, our phones truly go the distance.

Answering Machine with Message Forwarding
Thanks to advanced answering machine functions, you can get messages wherever, whenever. At home, the base unit will beep to alert you to a message. And on the road, the phone will send a message to your registered cell or work phone.

Talking Caller ID
Hear whos calling from across the room. The Talking Caller ID feature uses text-to-speech technology, announcing the callers information in between rings.

Intelligent Eco Mode
With the Intelligent Eco Mode, when you use the handset closest to the base unit, youll automatically lower power consumption. This not only extends available talk time but also prolongs battery life. Which means less frequent charging and in the end, fewer batteries in landfills.

http://moofi.woot.com/offers/panasonic-link2cell-3hs-or-5hs-phon...
Daily Deals

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

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

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

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

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
g: 0 Posted By: iowahawkeye
Views: 92 Replies: 0 http://www.pillsbury.com/

Check your emails for one from Pillsbury this week, subject line: Vote to win a 2015 calendar.

Sign in from the email and vote on a few pics for next year's calendar.
Sample offer for free Cheerios in same email. (only for Pillsbury members as of last week).


Food & Grocery Deals
g: 1 Posted By: DizzyT71
Views: 157 Replies: 0 Newegg has the Webroot SecureAnywhere Internet Security Plus 2014 (3 Users) Digital Downloadon salefor $19.95 - $14.00 coupon code EMCPCPF59 = $5.95

Compare at Amazon for $19.95.

Our cloud based network analyzes files, phishing sites, malicious web pages, IP addresses, and mobile apps providing a real time view of current threats and enabling instantaneous protection from new infections.
Webroot Antivirus protects you from online threats keeping you safe no matter how or where you connect. It scans faster, uses fewer system resources, and protects you by instantly identifying and blocking new threats as soon as they appear.
Passwords feature encrypts your passwords and automatically logs you into your favorite sites so you do not have to remember multiple passwords. Securely stores your usernames, passwords, and credit card numbers.
Mobile security for Android and iOS smartphones and tablets ensures you are protected from malicious apps and syncs online passwords across all your devices so they are accessible anywhere.
Analyzes devices and operating systems to detect system issues and wipes away all traces of online activity and makes deleted files unrecoverable. Just set it and forget it. With Webroots cloud based detection, you will always have the latest version.

3.8/5 Stars based on 52 customer reviews on Amazon.
Software Deals

Newegg Coupons
g: 0 Posted By: bigdinkel
Views: 87 Replies: 2 http://www.washingtonpost.com/posteverything/wp/2014/07/08/this-is-what-happened-when-i-drove-my-mercedes-to-pick-up-food-stamps/

It seems like this family had a few bad life experiences happen within a few months. It's scary that this can happen to many. Besides an Emergency Fund, what's the best way to plan for something this serious?
Discussion Deals
g: 0 Posted By: SeaSpur
Views: 161 Replies: 0 Shows as $99.99 online, but I checked 3 stores in my area and they were all on sale for $79.99.

A little larger than most, but I think it is one of the most underrated bluetooth speakers on the market- especially in the $100 range. I "tried out" quite a few other highly rated models and, to me, it sound as clear as those in the $200-250 range and certainly had more bass and deeper sounds; many of these bluetooth speakers are "all high" when it comes to the tones.

http://www.target.com/p/g-project-g-boom-wireless-boombox-black-...
Headphones & Speakers Deals

Target Coupons
g: 0 Posted By: Relaxing
Views: 36 Replies: 0 Hello Gang:

My corded craftsman jigsaw bit the dust a few months ago so I have been shopping around for a good deal on a replacement. I have been researching cordless options and in particular 18V LI versions since I have both Makita and Porter-Cable 18V cordless tools (the latter of which is a drill, driver and flashlight combo I got through FW at Lowes on a price "mistake" of $30.)

I found this one on Lowes.com- It appears that it is truley a YMMV item as it wasn't available in my area in SW FLA. I ordered one for zip code 37067 so my Dad could pick it up and send it to me. The ratings are very positive for those of you who have PC 18V tools and batteries already and need a jigsaw. I am not sure if it is available on line to ship, I could only find the "pick up at store" option.

Lowes Link

Here is another link to Amazon, who has it with positive ratings but at a higher cost:

Amazon Link

Hope this is helpful to those in need.


Cheers
Car Rental Damage -- My Story
Added on : Tuesday July 08th 2014 05:00:09 AM
g: 0 Posted By: jpfulton
Views: 22 Replies: 0 Just want to share my story as it has unfolded so far related to car rental.

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

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

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

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
Co-op with cell phone towers on the roof.
Added on : Tuesday July 08th 2014 03:00:06 AM
g: 0 Posted By: unnamedny
Views: 95 Replies: 1 I'm looking to buy an apartment in NYC and I found pretty good building. Friendly community, fair price, close to train, very low crime, plenty of parking. Problem is, apartment is located on 6th floor, which is top floor, and right above on the roof are cell phone towers. I'm not a health freak or germaphobe, but I don't like the idea being so close to such huge amount of RF radiation. Would you take that apartment? If you wouldn't, what would be a minimum distance of of you living away from cell phone towers? There is another apartment offer just a few floors below.
General Discussion Deals
Brand New LG Android Wear G Watch Black @ AT&T ~$180 FS +tax
Added on : Tuesday July 08th 2014 03:00:02 AM
g: 0 Posted By: munkyxtc
Views: 178 Replies: 0 Watch normally retails for $229 but they have a promo going where if you buy 3 or more accessories you get 25% off your order. Here is the kicker; you can either add 3 watches and get 25% off or choose a few cheap accessories and you can get get the discount as well.

Add it to your cart:http://www.att.com/shop/wireless/accessory.appcessories-lg-andro...

Then add 2 cheap items such as :http://www.att.com/shop/wireless/accessory.cases-body-glove-larg...

Go to your cart and check out and you'll receive an instant 25% off of the order. Order total will come to approximately $180


Watches Deals
g: 0 Posted By: remick
Views: 103 Replies: 0 http://www.amazon.com/gp/product/B00LJBYWZ8/

Do you want to make a perfect meal for your family? Then, make sure that you know the different ways on how to make a perfect sauce. Sauce can truly enhance the aroma and taste of your favorite dishes. Turn any plain, ordinary meal into a gourmet one. Even a simple vegetable dish can be made exciting. Instead of worrying how to make distinct sauce recipes, The Best Sauce Recipe Ever is here to help you!

This guide is loaded with over 150 outstanding sauce recipes of various types like:
Cocktail Sauces
Gravies
Barbecue Sauces
Meat Sauces
Dessert Sauces
Spirited Sauces
Syrups
Butters
Mayonnaise
White Cream Sauces
Salad Dressings



101 Marijuana Recipes: The Largest Medical Marijuana Cookbook on the Planet
http://www.amazon.com/gp/product/B0096ZSAEI/

101 Marijuana Recipes by Michael Joseph is a collection of various medical marijuana treats. In this cookbook you will find many traditional recipes for drinks, deserts, appetizers, and entrees. Just a few of the recipes include marijuana butter, marijuana brownies, marijuana pizza, and marijuana space cakes. If you are a medical marijuana patient or just enjoy consuming marijuana for recreational use..this cookbook is a must!
Totally Free Deals
Dell Refurbished: PATA SSD for Laptops - 16 GB - $17.99 + tax FS
Added on : Monday July 07th 2014 06:00:07 PM
g: 0 Posted By: bridgeforsale
Views: 140 Replies: 5 Or as they call it: Dell Refurbished: Parallel Advanced Technology Attachment Solid State Hard Drive - 16 GB

Ever wanted to see just what an SSD drive would do for an old laptop? Well that's why I'm buying this one. I was looking for something else on Dell's site when I stumbled across thisIDE laptop drive.

Yeah, 16GB IS small, but large enough for certain operating systems plus a few programs. And it's cheap. That made it an impulse buy, kinda like junk food at the checkout counter.

Just make sure this is the correct interface for your OLD laptop. It's PATA, also known as IDE.

http://accessories.us.dell.com/sna/productdetail.aspx?c=us&l=en&...
SSD Deals

Dell Consumer Coupons
g: 0 Posted By: tuphat
Views: 45 Replies: 0 DOJ goes after Amex over merchant rules.

U.S., Amex duel at antitrust trial over credit card fees
By Andrew Longstreth

NEW YORK (Reuters) - American Express Co has hindered price competition in the U.S. credit card market and prevented merchants and consumers from reaping cost savings, a lawyer for the U.S. government said on Monday during the first day of a trial in Brooklyn federal court.

In an antitrust lawsuit, the U.S. Justice Department and 17 states have accused Amex of blocking credit card companies from lowering processing fees and allowing businesses to pass on savings to consumers.

Every year, credit card companies charge merchants more than $50 billion to process consumer transactions, according to the government.

At issue in the bench trial, expected to last nine to 10 weeks, are rules Amex imposes on the millions of merchants that accept its cards barring them from offering incentives to customers to use less-expensive credit cards when making purchases.

"Amex doesn't want consumers to have simple, truthful information about how much their cards cost," Craig Conrath, an attorney for the Justice Department, said.

U.S. District Judge Nicholas Garaufis of Brooklyn, who is overseeing the trial and will determine the outcome, asked few questions on Monday and did not offer any clues on how he views the case.

The government's suit seeks an order allowing merchants that accept Amex to give consumers incentives to use less-expensive credit cards.

The stakes are high for Amex, which uses the processing fees it charges merchants to provide rewards to its cardholders. In securities filings, American Express has said that an adverse ruling "could have a material adverse effect" on its business.

During his opening statement, Evan Chesler, an attorney for Amex, said that the government case is an "assault on Amexs business model, a model that has in fact driven competition to the enormous benefit of merchants and consumers for a number of years."

Chesler said that Amex has invested billions to provide high-quality service and rewards to its cardholders, which help differentiate it from bigger competitors.

The U.S. Justice Department and several states sued Amex, Visa Inc and MasterCard Inc in 2010 over rules that allegedly obstructed price competition. The latter two settled the case the day it was filed. The states include Michigan, Ohio, Texas, Missouri, Maryland, Arizona and Iowa.

Conrath of the Justice Department said Monday that the evidence presented at trial will show that if not for Amex's "anti-steering" rules, merchants would use strategies to reward consumers to use lower-cost credit cards like giving them free upgrades for certain services or price reductions. He also said that credit card companies would compete on price.

Discover Financial Services , Conrath said, tried to offer merchants lower processing fees but the strategy failed because of Amex's rules.

The case is United States of America, et al v. American Express Co, U.S. District Court for the Eastern District of New York, No. 10-04496.
Credit Deals
g: 4 Posted By: remick
Views: 837 Replies: 0 http://www.amazon.com/gp/product/B00BGC01NW/

High School Computer Science, User Defined Functions in C++. Start writing C++ functions yourself. Learn the small things first and settle far beyond. Ideal for anyone who have started learning C++ and want to explore in details the Functions.


also free

JavaScript Principles: A Brief Introduction
http://www.amazon.com/gp/product/B00JFN7MD6/

This 17-chapter book is a brief introduction to key principles of JavaScript programming. Each chapter is dedicated to an isolated subject. The author focuses on "I wish I knew this before" type of knowledge, that will be helpful for beginners and intermediate-level programmers interested in expanding their understanding of front-end application development. jQuery briefly highlighted throughout the book and few jQuery plugin examples are provided.

This volume highlights key principles involved in JavaScript programming and should not be considered as a complete outline of JavaScript programming language. If you are passionate about learning about key insights of this programming language in a medium sized book, it may be of interest to you.

Chapters are as follows:

1. A Case for jQuery
2. Breaking Down jQuery
3. Document Object Model
4. JavaScript Boot Camp Begins
5. Code Placement
6. Statements, Primitives and Literals
7. The "this" Property
8. Function Properties
9. Object Literals
10. Anonymous Functions
11. Closures
12. Constructors
13. Prototype
14. Events
15. Initializing jQuery
16. Optimizing jQuery Selectors
17. Creating jQuery Plugins
Plugin 1: Get Class
Plugin 2: Rewriting Window Alert Box
Plugin 3: Rewriting jQuery's prev() and next()
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 209 Replies: 0 http://www.amazon.com/gp/product/B00BGC01NW/

High School Computer Science, User Defined Functions in C++. Start writing C++ functions yourself. Learn the small things first and settle far beyond. Ideal for anyone who have started learning C++ and want to explore in details the Functions.


also free

JavaScript Principles: A Brief Introduction
http://www.amazon.com/gp/product/B00JFN7MD6/

This 17-chapter book is a brief introduction to key principles of JavaScript programming. Each chapter is dedicated to an isolated subject. The author focuses on "I wish I knew this before" type of knowledge, that will be helpful for beginners and intermediate-level programmers interested in expanding their understanding of front-end application development. jQuery briefly highlighted throughout the book and few jQuery plugin examples are provided.

This volume highlights key principles involved in JavaScript programming and should not be considered as a complete outline of JavaScript programming language. If you are passionate about learning about key insights of this programming language in a medium sized book, it may be of interest to you.

Chapters are as follows:

1. A Case for jQuery
2. Breaking Down jQuery
3. Document Object Model
4. JavaScript Boot Camp Begins
5. Code Placement
6. Statements, Primitives and Literals
7. The "this" Property
8. Function Properties
9. Object Literals
10. Anonymous Functions
11. Closures
12. Constructors
13. Prototype
14. Events
15. Initializing jQuery
16. Optimizing jQuery Selectors
17. Creating jQuery Plugins
Plugin 1: Get Class
Plugin 2: Rewriting Window Alert Box
Plugin 3: Rewriting jQuery's prev() and next()
Books Deals

Amazon Coupons
Tips and Tricks for Insurance - Inventory Of Assets?
Added on : Sunday July 06th 2014 01:00:06 PM
g: 0 Posted By: robronson
Views: 85 Replies: 1 My neighbor in the apartment across from mine got robbed recently and it made me think about my renter's insurance. I barely have much in the realm of receipts and documentation on my things. If it was me that robbed, I'd be pretty screwed.

I think being robbed is pretty traumatic, and trying to remember everything you had and finding receipts after the fact would only make things worse. What I'd like to do is put together a rock solid inventory with pictures, receipts, etc, store it up on my dropbox, and if I ever get robbed, I go up in the cloud, even off my cell phone, email the PDF of my inventory to the insurance man, and move on with my life.

Maybe, I might even wind up a little better off than before because if I could have back what I paid for all my stuff, I'd probably only re-buy half of it since I buy a lot of clothes and things I don't really use.

Anyone have experience on how insurance claims work for personal possessions? There's a lot of threads on car insurance and home owner insurance with respect to tree branches, but I rarely hear anyone discussing submitting claims for personal possession against homeowner or renter's insurance. I'm under the impression that I'll get either the replacement cost or whatever I paid, whichever is less, which leads me to believe I'll get screwed since, like most FWF I go out of my way to shop for sales and deals. So if I only get back what I paid, it's far below market value for many of my things.

Am I under an obligation to hand over receipts for everything? Maybe if I got something well below market value, and I misplace the receipt, or intentionally don't store it, then I'll get replacement value which is higher?

Does anyone else inventory things like papertowels and toiletpaper and shampoo? On the surface it seems silly, but I ran some quick math in my head and I easily have a few hundred dollars worth of cologne, deodorant, TP, papertowels, toothpaste, toothbrushes, facial cleanser, moisturizer, etc. Also, if I have the inventory up in dropbox, I can refer to it when I'm shopping so if I see a good deal on something like bulk papertowels, I can see how many rolls I'm down to, assuming I keep the inventory up to date every month or so.

I've heard people just videotaping everything in their home but that doesn't quite seem granular enough for me. I've already started a rough inventory and realized I actually have around $12k worth of things in my apartment, so my $10k policy won't cover it and I might need to get higher coverage. So another benefit of doing this in something like a spreadsheet is that you actually see what the value of your items are so you can adjust your insurance accordingly.

Anyone have experiences to share on claims or best practices on inventory?


Discussion Deals
Kids Nintendo 3DS games $9.99 Amazon.com - Prime
Added on : Sunday July 06th 2014 01:00:03 PM
g: 0 Posted By: TechNoNerd
Views: 273 Replies: 0 Had some games sitting in my cart for a few days, all the sudden today they moved to the 70% 'bin'.
Searched Google and see this is a good price for new product, so I thought I would share.

TMNT 3DS
SpongeBob 3DS

Could be other titles, I just posted the couple I had in my cart.
3DS Games Deals

Amazon Coupons
g: -1 Posted By: puggle
Views: 253 Replies: 3 http://view.email.safeway.com/?j=ff5e1c7470&m=fe8e1272736c037f77...
Surveys & Rewards Deals
g: 0 Posted By: jskins
Views: 125 Replies: 0 Team Blankets for MLB, NFL, NCAA & More- $24.97 + free shipping with coupon code FREESHIP at Bon-Ton.com

*Choose from many different teams and styles including baby themed style*

A few notables:

Seattle Seahawks Baby Jacquard Field Throw- Was: $56 Now: $24.97
Chicago Blackhawks Baby Jacquard Score Throw- Was: $56 Now: $24.97
University of Wisconsin Baby Jacquard Fullback Throw- Was: $56 Now: $24.97

Bedding Deals

Bon-Ton Stores Coupons
g: 1 Posted By: ShoppingChick
Views: 498 Replies: 2 Disney Store is still having the Twice Upon a Year with Up to 60% Off.Today get free shipping with coupon code FREESHIP and Disney Visa Card holders get and extra 10% off orders of $50+ with coupon code DRVCMEMBER.

A few notables:

Sofia Flip Flops - $1.99
Jake and the Never Land Pirates Flip Flops - $1.99
Planes Flip Flops - $1.99
Sofia Sunglasses - $1.99
Rapunzel Sunglasses - $1.99

Toys Deals

Disney Store Coupons
Foster Farms chicken recalled due to salmonella outbreak
Added on : Friday July 04th 2014 06:00:08 AM
g: 0 Posted By: turtlebug
Views: 119 Replies: 0 ​Link

"...The U.S. Department of Food and Agriculture said it has found evidence directly linking Foster Farms boneless-skinless chicken breast to a case of Salmonella Heidelberg, an antibiotic-resistant strain of the disease that has sickened more than 500 people in the past 16 months and led to pressure from food safety advocates for federal action against the company.

As a result, Foster Farms issued a recall for 170 different chicken products that came from its Fresno facilities in March.

The USDA said its investigators first learned of the salmonella case on June 23, and the recall was issued as soon as the direct link was confirmed. The location of the case and identity of the person were not released.

Foster Farms says the products have "use or freeze by" dates from March 21 to March 29 and have been distributed to California, Hawaii, Washington, Arizona, Nevada, Idaho, Utah, Oregon and Alaska.

The long list of products in the recall include drumsticks, thighs, chicken tenders and livers. Most are sold with the Foster Farms label but some have the labels FoodMaxx, Kroger, Safeway, Savemart, Valbest and Sunland. No fresh products currently in grocery stores are involved..."
Discussion Deals
g: 0 Posted By: ShoppingChick
Views: 140 Replies: 0 Disney Store is still having the Twice Upon a Year with Up to 60% Off.Today get free shipping with coupon code FREESHIP and10% off orders of $50+ with coupon code DRVCMEMBER.

A few notable:

Sofia Flip Flops - $1.99
Jake and the Never Land Pirates Flip Flops - $1.99
Planes Flip Flops - $1.99
Sofia Sunglasses - $1.99
Rapunzel Sunglasses - $1.99

Toys Deals

Disney Store Coupons
Von's free birsa Eye 12-14 oz bag of veg add to Vons card
Added on : Friday July 04th 2014 02:00:07 AM
g: 0 Posted By: puggle
Views: 0 Replies: 0 http://view.email.safeway.com/?j=ff5e1c7470&m=fe8e1272736c037f77...
Oakley Vault: Up to 60% Off Select Items + Free Shipping
Added on : Thursday July 03rd 2014 06:00:08 PM
g: 0 Posted By: DizzyT71
Views: 161 Replies: 0 Oakley Vault is offering Up to 60% Off Select Items + Free Shipping.

Notable Offers:

Oakley Hypercoil Sandals- Was: $52.00 Now: $24.99
Oakley SuperDrive Tour Golf Shoe-Was: $160.00 Now: $44.99
Oakley Motion 42 Duffel- Was: $130.00 Now: $49.99
Oakley OTM Boot-Was: $190.00 Now: $69.99

Note: A few select items on merchant page may be as high as 75% off.




Clothing Deals
TSA Fee Hike Set to Raise Prices on All U.S. Flights
Added on : Thursday July 03rd 2014 04:00:08 PM
g: 2 Posted By: ShakuniMama
Views: 1339 Replies: 24 TSA Fee Hike Set to Raise Prices on All U.S. Flights

A TSA fee hike goes into effect at the end of this month. In a few weeks, the September 11 Security Fee will rise from $2.50 for one-way flights (with a cap at $10 roundtrip) and $5 each way for trips with connections, to $5.60 per one-way flight. The cap will be no more.

Under the new rule, fees for direct round-trip flights will jump from $5 to $11.20.

The way the TSA applies the fees to airfares will get slightly more complex, too. The TSA will $5.60 charge for each flight leg that occurs more than four-hours following a previous leg, for domestic flights. Internationally and for flights to Hawaii and Alaska, the same rule applies for legs that are 12 hours apart. This means that flights with long layovers, which would have previously counted as a single one-way trip, will get taxed doubly. So a round-trip flight with two four-hour connections would cost an additional $22.40 in security fees.
Air Travel Deals
HauteLook: Up to 80% Off 3-Day Weekend Sale
Added on : Thursday July 03rd 2014 02:00:03 PM
g: 0 Posted By: DizzyT71
Views: 173 Replies: 0 HauteLook is having an Up to 80% Off 3-Day Weekend Sale. Free shipping on $100+. Otherwise, shipping adds $7.95.

Few Depts:
Standout Summery Jewelry
Madison Marcus
Romeo & Juliet Couture
Designer Delight
& Many, many more!!

Note: Must sign in with an email address to see site.






Clothing Deals
g: 1 Posted By: rajaram
Views: 201 Replies: 0 In the last one month, I was travelling and shopping for liquor (Mainly Single Malts) at MD, TX, MN, SFO and AZ. I found some at cheaper than Duty Free prices. Here are some examples. May add few more when I find time:

Pinnacle Vodka 1.75L $ 11.99 - upto $7 MIR ($5 off on 1, 12 off on 2 and 211 off on 3), as low as $4.99 + Tax on 11.99 for French Vodka at Total Wine, Roseville, MN (2401 Fairview Ave)

Chivas Regal 18 Year Old Gold Edition 750 ML - $ 42.99 at CostCo, Northern California

Balvenie 12 Year Old, Double Wood, 750 ML - $ 34.99 + Tax at Total Wine, MN

Chivas Regal 12 Year Old 750 ML - $20.99+Tax at Total Wine, MN

Glen Livet 12 Year Old 750 ML - $ 22.99+Tax at Total Wine, MN

Glen Morangie 18 Year Old 750 ML - $ 72.99+Tax at Total Wine MN

Glen Farclas 25 Year Old 750 ML - $ 129.99+Tax at CostCo, Northern California

Balvenie 21 Year Old 750 ML - $ 169.99 at Total Wine, MD locations

Smirnoff Vodka 1.75L $ 14.49+Tax at Total Wine, AZ locations

Glen Morangie The Original 750 ML $29.99+tax at Total Wine, TX locations

Glen Morangie The Original 1.75L $56.99 + Tax at Total Wine, TX locations

Johny Walker Black Lable 750 ML $ 24.99 + Tax at Total Wine, MN

Johny Walker Double Black 750 ML $29.99+Tax at Total Wine, MN

Johny Walker Blue Lable 750 ML $ 127.99 + Tax at CostCo, Northern CA


Beverage Deals
GUNS: Sig Sauer E2022-9-B 9mm 3.9" $379.99.Palmetto Arms + 2 mags AR
Added on : Thursday July 03rd 2014 09:00:05 AM
g: 2 Posted By: sammycornelius
Views: 147 Replies: 0 Not as good as Kentucky Arms a few days ago but still a great price and with the two mags after rebate its an awesome deal. Mags are 30-35 bucks each. I paid $399 for mine a few weeks ago and really like how the gun shoots.

Rebate http://www.sigsauer.com/upFiles/CmsContent/documents/Consumer%20Summer%20Rebate2.pdf
Pistol http://palmettostatearmory.com/index.php/sig-sauer-sp2022-two-tone-9mm-w-siglite-night-sights-e2022-9-tss.html
Guns & Ammo Deals
g: 0 Posted By: rajaram
Views: 0 Replies: 0 In the last one month, I was travelling and shopping for liquor (Mainly Single Malts) at MD, TX, MN, SFO and AZ. I found some at cheaper than Duty Free prices. Here are some examples. May add few more when I find time:

Pinnacle Vodka 1.75L $ 11.99 - upto $7 MIR ($5 off on 1, 12 off on 2 and 211 off on 3), as low as $4.99 + Tax on 11.99 for French Vodka at Total Wine, Roseville, MN (2401 Fairview Ave)

Chivas Regal 18 Year Old Gold Edition 750 ML - $ 42.99 at CostCo, Northern California

Balvenie 12 Year Old, Double Wood, 750 ML - $ 34.99 + Tax at Total Wine, MN

Chivas Regal 12 Year Old 750 ML - $20.99+Tax at Total Wine, MN

Glen Livet 12 Year Old 750 ML - $ 22.99+Tax at Total Wine, MN

Glen Morangie 18 Year Old 750 ML - $ 72.99+Tax at Total Wine MN

Glen Farclas 25 Year Old 750 ML - $ 129.99+Tax at CostCo, Northern California

Balvenie 21 Year Old 750 ML - $ 169.99 at Total Wine, MD locations

Smirnoff Vodka 1.75L $ 14.49+Tax at Total Wine, AZ locations

Glen Morangie The Original 750 ML $29.99+tax at Total Wine, TX locations

Glen Morangie The Original 1.75L $56.99 + Tax at Total Wine, TX locations

Johny Walker Black Lable 750 ML $ 24.99 + Tax at Total Wine, MN

Johny Walker Double Black 750 ML $29.99+Tax at Total Wine, MN

Johny Walker Blue Lable 750 ML $ 127.99 + Tax at CostCo, Northern CA

TSA Fee Hike Set to Raise Prices on All U.S. Flights
Added on : Thursday July 03rd 2014 05:00:11 AM
g: 0 Posted By: ShakuniMama
Views: 140 Replies: 4 TSA Fee Hike Set to Raise Prices on All U.S. Flights

A TSA fee hike goes into effect at the end of this month. In a few weeks, the September 11 Security Fee will rise from $2.50 for one-way flights (with a cap at $10 roundtrip) and $5 each way for trips with connections, to $5.60 per one-way flight. The cap will be no more.

Under the new rule, fees for direct round-trip flights will jump from $5 to $11.20.

The way the TSA applies the fees to airfares will get slightly more complex, too. The TSA will $5.60 charge for each flight leg that occurs more than four-hours following a previous leg, for domestic flights. Internationally and for flights to Hawaii and Alaska, the same rule applies for legs that are 12 hours apart. This means that flights with long layovers, which would have previously counted as a single one-way trip, will get taxed doubly. So a round-trip flight with two four-hour connections would cost an additional $22.40 in security fees.
General Economics Deals
free business checking in NJ with mobile deposit
Added on : Thursday July 03rd 2014 04:00:05 AM
g: 0 Posted By: jerrykiev
Views: 37 Replies: 0 Hello,

Does anyone know of a bank operating in NJ that offer free business checking and has mobile deposit capability for business accounts (e.g. iPhone app)? My wife operates a small consulting business hew a a few client that pay by check. Would love to be able to deposit those checks without running to the branch. This is a no brainer on the personal banking side, but, seems like a revolutionary concept on the business side.

Thanks,
Deposits Deals
Less picky mobile check capture..paypal alternative
Added on : Wednesday July 02nd 2014 02:00:08 PM
g: 0 Posted By: mariemill
Views: 131 Replies: 3 Hello,

I am a very small ebayer and receive a few checks each month, usually from my older clients that are still "old school". (sometimes more than 5, sometimes less). I use paypal for everything (and use their debit card), it is basically my bank. I was very upset when the cancelled remote check capture as I used it every month. I know that many other debit card online banks offer the service but I have not found them to be as easy to use as paypal, most notably in what they will accept for deposit. I receive checks from a lot of people that either mispell my name, (I have one customer that often put eBay before my name etc, or put my eBay username infront of my name, looking like a business name etc.) and I found that as long as my name was on the check, no matter misspelled etc. that Paypal would accept it for deposit, hold it for 6 days and then credit my account. I have tried other online banks (for example SIMPLE bank) and they are SUPER picky with what they take (rejecting a check for a name misspelled etc), or not bright enough picture, etc. I have just found the paypal mobile deposit to be the easiest to use.

Does anyone know of any other entity like paypal that uses the same check processor etc. A debit card perhaps that takes mobile deposits that they aren't super strict with. I was really just hoping that paypal would change it's mind and bring back mobile check capture but who knows when that will change. I have been with paypal since the beginning and I really don't want to change. I will still use them for electronic payments and receivables but that leaves me with checks. Also, I have some mobility issues so I do everything from my house and I hate local bank fees.

any ideas from past experience of what others have used?

Thanks,
Discussion Deals
Under Armour Outlet Summer Event + Free Shipping
Added on : Wednesday July 02nd 2014 09:00:02 AM
g: 0 Posted By: ShoppingChick
Views: 66 Replies: 0 Under Armour Outlet Summer Event with items starting at $4.79 plus get free shipping.

A few notable:

Men's UA Performance Polo (Assorted Colors) - $42.99 (was $54.99)
Men's Under Armour Alter Ego Compression Short Sleeve Shirt - $33.99 (was $44.99)
Men's UA Spine Evo Running Shoes - $67.99 (was $89.99)



Clothing Deals

Under Armour Coupons
g: 0 Posted By: dealhunt1
Views: 55 Replies: 0 A few Head YOUTEK Radical & Prestige tennis racquets are on sale at tennis warehouse for $89 + $25 tenniswarehouse gift card. Seems pretty nice racquets.

http://www.tennis-warehouse.com/catpage-HRPGC.html
g: 0 Posted By: Myers215
Views: 151 Replies: 4 I've had a Citi card for several years. I used that card for two purposes - buying event tickets through Citi Presales (I go to a lot of concerts/events) and one other business purpose which resulted in a few thousand small transactions per year from one merchant. Two weeks ago I went to use the card, got declined and it turns out Citi closed the account. I called and no one could/would tell me what happened or why the card was closed and I was told I'd receive a letter explaining the cancellation. I received a letter from their fraud department a few days later and all it said was "We have the right to close your account for any reason and we're exercising that right." Balance was always paid in full each month and there was never any fraud on the account.

Has this ever happened to anyone else and were you able to get another card from that issuer? I need another Citi card for the Citi Presales but I'd hate to waste a credit pull applying for another one only to have to cancelled on me again.
Personal Finance Deals
g: 0 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/gp/product/B008YIMIQY

4.8 out of 5 stars (6 customer reviews)

So youre a black belt, bodybuilder and think you have all the skills it takes to be a bouncer, huh?

Well you may make a great bouncer, but if you want to become a professional crowd controller who can handle situations effortlessly and with as little violence as possible then you are intelligent enough to recognize the importance of mastering the techniques in this book.

With the nightlife industry becoming so heavily regulated and more and more venues taking a hard line on their no hit policies, the nightlife security industry has dramatically changed since the old days of gorilla bouncers throwing people into trash bins, and therefore by necessity new skills have evolved.

The author has over a decade of experience in the security industry and set out on a quest to codify the most workable techniques in nightlife security and educate others on their use to handle situations effectively, but with as little violence as possible. The author credits his background as a lawyer with many grueling years of experience in dispute resolution as his influence for many of the techniques outlined in this book which require a subtle, yet highly effective method of gaining compliance in oppositional situations.

This book is the culmination of many years of trial and error by the author in learning the most practical and workable techniques of crowd control and learning from the wisdom of veteran security professionals and police officers.

These time-tested techniques have been specifically designed for kindle readers in an easy to learn format of 101 tips, which can be accessed through an interactive contents page for fast access in those times when you find yourself hiding in the bathroom wondering why on earth you ever got into this industry.

Just a few techniques you will learn in this book include:

- Canned routines from experienced crowd controllers on how to refuse people entry and conduct evictions which are easy to learn and put into practice;

- Multiple ways to gain leverage in confronting situations by using your environment; and

- How to control situations verbally and use a little known Jedi trick which demands compliance.

Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 94 Replies: 0 Description

The Replicator 2 Desktop 3D Printer from MakerBot utilizes MakerBot PLA plastic filament for high-quality 3D models while using 32% less energy than its predecessor, the original MakerBot Replicator.

The Replicator 2 provides a 100-micron layer resolution for high quality 3D prints that require little to no sanding or post-production. The Replicator 2 has a build volume of up to 410 cubic inches. This allows you to print multiple things at once for complex assemblies.

The Replicator 2 3D Printer connects to your computer via a USB cable. You can also transfer print files via a Secure Digital memory card. In conjunction with MakerBot MakerWare software, you'll be able to quickly and efficiently print your 3D models with ease, thanks to the user-friendly interface and intuitive icons and menus.

Built with a powdered-coated steel frame, the Replicator 2 can handle high print speeds. The wear-resistant, oil-infused bronze bearings requires less maintenance for added convenience. The 3-point leveling system allows you to adjust more precisely than the original Replicator and stay level for longer. The pop-out acrylic platform makes it easier for you to remove the finished 3D printed model. The updated extruder also requires less maintenance.
Highlights

11.2 x 6.0 x 6.1" Build Volume
100 Micron Layer Resolution
Uses MakerBot PLA Plastic Filament
USB and SD Card Connectivity
3-Point Leveling System
Pop-out Acrylic Platform
STL, OBJ, THING File Formats
MakerBot MakerWare Software
Mac, Windows, & Linux Compatible
3D Printer Made in USA
Features

100-Micron Layer Resolution
The Replicator provides additive manufacturing at 100-micron layer resolution for high quality 3D prints. The high resolution 3D models are smooth so they require little to no sanding or post-production.
410 Cubic Inches of Creative Potential
With a max build volume of 11.2 x 6.1 x 6.0" (12.75" diagonally), the Replicator 2 can print 3D models with up to 37% more volume than its predecessor, the original MakerBot Replicator. It can therefore make complex assemblies in fewer runs as well as produce whole projects instead of just single items.
Designed & Optimized for MakerBot PLA Filament
The Replicator 2 is optimized for MakerBot PLA filament, which is a renewable bioplastic, making it environmentally friendly. The PLA filament can build big with dimensional stability, and it doesn't stick to the platform, resulting in little to no peeling, curling, or sliding. You can also expand your creative palette with a whole range of matte, translucent, shimmery, metallic, and sparkly colors. The PLA filament is strong, which works well for printing out moving parts and complex assemblies. PLA filaments are also ready to print in less than two minutes and have a minimal shrinkage factor, which results in smooth builds with no cracks. PLA filaments also use up to less than 32% energy than ABS filaments.
User-Friendly with Minimal Maintenance
The Replicator 2 requires no assembly. It also has wear-resistant, oil-infused bronze bearings for less maintenance, such as nothing to wash, dissolve, scrub, or tape. The 3-point leveling system adjusts more precisely than the previous model and stays level longer. You can also remove your 3D models easier with the pop-out platform. The Replicator 2 also uses 32% less energy than the original Replicator, thanks to the PLA filament. Also, the updated extruder requires less maintenance as well.
Professionally Engineered
With advancements over the original Replicator, the Replicator 2 has an industrial-strength, powder-coated steel frame, made to handle high printing speeds. It can quickly print projects with optimized software and hardware as well as improved acceleration control firmware.
MakerBot MakerWare Software
With the MakerWare software, the Replicator 2 can prepare models for printing up to 20 times faster, thanks to the MakerBot slicing engine. Just drag and drop multiple models right onto the virtual build space and then make them all at once. MakerWare also supports .stl and .obj files, which is also supported by a majority of third-party design software. MakerWare also supports the .thing file format, which can save multi-part projects into one file. MakerWare has a user-friendly interface with intuitive icons and controls.
Durable Build
The Replicator 2 has a black powder-coated steel frame for durability. It is resistant to changes in temperature and humidity. The Replicator 2 is also customizable as well as designed for quiet desktop operation.
Specs

Product Type: 3D Printer
Product Family: Replicator
Print Jet: Single
Supported Material: Plastic
Brand Name: MakerBot
Print Technology: Fused Filament Fabrication
USB: Yes
Layer Thickness: 0.4 mil
Print/Creation Size: 6.02" x 6.10" x 11.22"
Filament Diameter: 68.9 mil
Height: 15"
Width: 12.6"
Depth: 19.3"
Color: Black
Form Factor: Desktop
Manufacturer: MakerBot Industries, LLC.
Product Name: Replicator 2 Desktop 3D Printer
Product Line: Replicator
Application/Usage: Office,Home
Manufacturer Part Number: MP04948
Manufacturer Website Address: http://www.makerbot.com
Material: Powder Coated Steel - Chassis,Polyvinyl Chloride (PVC) - Body,Acrylic
Weight (Approximate): 25.35 lb

www.ebay.com/itm/371084625117
MakerBot Deals

eBay Coupons
FoodSaver Overstock Sale: BOGO 50% Off Select Specialty Bags Rolls
Added on : Tuesday July 01st 2014 03:00:02 AM
g: 0 Posted By: ShoppingChick
Views: 152 Replies: 0 FoodSaverOverstock Sale has Buy One Get One 50% Off on select Specialty Bags & Rolls with free shipping on orders $25+.

Note: Discount will apply in checkout. You may mix match items. Below are a few notables.

FoodSaverVacuum Zipper Quart Bags- 2x for $22.49
FoodSaver11-in.Portion Pouch Roll- 2x for $17.99
FoodSaver16 Freeze 'N SteamMicrowave Cooking Bags- 2x for $17.99
FoodSaver12 Liquid Block Quart Bags-2x for$17.99
FoodSaver11-in.Expandable Heat Seal Roll- 2x for $22.49

Home & Garden Deals

Food Saver Coupons
unusual merchandize shipping error
Added on : Monday June 30th 2014 06:00:06 PM
g: -1 Posted By: awesmoks
Views: 98 Replies: 2 Normally I would return the product no questions asked, but what would you do if a company tried to screw you first? Then made a shipping error in your favor? Lastly, am I required to send it back?

Here is the short/long version of the story. I wanted to buy a $1000+ television and wanted to do so using discounted gift cards purchased from the internet. I proactively asked and received in writing from the television company "yes you can use unlimited gift cards on that television purchase." Well, turns out their system only lets you apply 4 gift cards to any single order and Im stuck with an extra $600 in gift cards. I tried like hell to escalate to management, they refused, even though I had it in writing from their customer service. Since I would rather be stuck with $600 in gift cards than $1000, I ordered the television anyways. Unfortunately its still the cheapest way to go. Then they canceled the order on me because they don't even keep that television in stock but advertise that they do! Stuck with $1000 in gift cards now meaning I have to buy something I don't want. Next thing I know, the television that was ordered originally arrives at my doorstep, and never paid for because it was canceled in their system. Plus I still have all of these gift cards.

Now this really is the short story. They lied a few times in email about other things, not as important, but still added to the problem. And they were all so terrible to deal with. So the big question here, am I legally required to send it back if they ask? I entered a contract with them originally, but once that contract was canceled and I was never charged, shouldn't that negate everything? If I send it back Im stuck with the gift cards which isn't right. Yea I could negotiate with them, but really, after all the hours I've dealt with them, I just don't want to deal with them anymore.
New User Question Deals
g: 1 Posted By: SkyFwd
Views: 206 Replies: 0 1/2 Off a Fizzio Soda at Starbucks 6/27/14-7/3/14.

Soda available in 16 states, so check ahead to see if you Iive in one of them-here's a few I found:Virginia, Georgia, Florida, Mississippi, Louisiana, North Carolina, South Carolina, Hawaii and parts of California.

http://lp.starbucks.com/fizzio

Ginger Ale
Lemon Ale
Root Beer

Starbucks is rolling out handcrafted sodas.
Baristas will brew the sodas in stores using a Starbucks-branded "Fizzio" machine, which the company bills as a "breakthrough in carbonation technology."
A "tall" Fizzio soda will sell for $2.45. By comparison, a tall coffee costs $1.80. Three decaffeinated flavors will be available starting Tuesday: Spiced Root Beer, Golden Ginger Ale, and Lemon Ale.
With the addition of soft drinks, the company is trying to tap into the SodaStream-inspired demand for healthier carbonated beverages without artificial flavors, preservatives, or high fructose corn syrup.
Unlike the SodaStream, however, the Fizzio is able to carbonate a flavored beverage. This ensures that "every ingredient in the beverage receives the same level of carbonation and maximum flavor," according to Starbucks.
It will also allow Starbucks customers to add "fizz" to Teavana Shaken Iced Teas and Refreshers a service that will cost extra 50 cents.
The SodaStream, on the other hand, carbonates plain water and flavors can be added later.
"We are changing the game in terms of how to get a carbonated drink," Josh Fine, the brand manager for Fizzio, told USA Today. "Like what Starbucks did to coffee 40 years ago, we think we can do in the carbonation space."
The sodas will be available in 16 states, including Virginia, Georgia, Florida, Mississippi, Louisiana, North Carolina, South Carolina, Hawaii and parts of California.

Food Deals

Starbucks Store Coupons
OFFER OVER Free 4 Pack of Lifeway Probugs -coupon
Added on : Sunday June 29th 2014 03:00:07 PM
g: 0 Posted By: remick
Views: 188 Replies: 1 http://coupon.qples.com/qples/v3/printn.html?1703
Food & Grocery Deals
Free 4 Pack of Lifeway Probugs -coupon
Added on : Sunday June 29th 2014 02:00:06 PM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://coupon.qples.com/qples/v3/printn.html?1703
g: 0 Posted By: MrVietnam
Views: 81 Replies: 0 Check your store for this awesome deal I think this may be a regional deal as others may have signage for FREE milk when you purchase Special K Cereal instead.

Get FREE Milk (up to $5.99) when you purchase 2 Malt O Meal cereals through 7/11. (this does not specify if Organic milk is included) Cereal starts at $3.49 each:

Buy (2) Fruity Dyno-Bites, 22 oz $3.49 each
Use (2) $0.75/1 Malt O Meal printable coupons(15 oz+)
Pay: $5.48 + FREE Milk

There are 5 other cereals included in this promo:Cinnamon Toasters, 24 oz $3.99
Golden Puffs $3.99
Marshmellow Mateys $3.99
Frosted Mini Spooners, 36 oz $4.99
Cocoa Dyno-Bites $3.49

Let me know if you find this same deal!!
Breakfast Foods Deals
g: 0 Posted By: View
Views: 28 Replies: 1 I have a 15 years old house built by a reputable builder. (It wasa model home when they were building this community.)
We had a hail in our area that lasted for about 10 minutes. After that the street was flooded with roofing contractors and it seemed like everyone is getting a new roof.
The problem is that I have a 10k deductible on my insurance thinking I'm only insuring for major disasters. I do plan to pay out of pocket(and have enough savings) to self-insure up to 10k if there is a real need for any repairs.

My wife is getting really nervous that everyone is replacing their roof so our roof "MUST have hail damages".
So I went up totake a look and it seemed like the asphalt shinglesall looked just fine everywhere. I even tried to poke a few of them with a screwdriver but they seem steady.

Since I have a 10k deductible, should I even bother getting the insurance involved?
Or could my home be "the only super home on the street" that does not have hail damage?
Am I wrong to carry a 10k deductible to save my insurance premiums? I did it for a reason because the insurance premiums have gone up by more than 100% in since 2008.

I would appreciate any feedbacks. Thanks.
Discussion Deals
Amazon Third Party Deal On Hydroxycut Elite 100 Capsules 21.49 FSS
Added on : Saturday June 28th 2014 10:00:04 AM
g: 0 Posted By: dealjustice
Views: 178 Replies: 1 Amazon Deal On Hydroxycut Elite 100 Capsules 21.49 FSS

http://www.amazon.com/Hydroxycut-Hardcore-Elite-Svetol-Forskohli...

I grabbed a few of these as the price keeps getting lower it is usually around 25.00

Sold by Kart Mart and shipped from Amazon.
Health & Beauty Deals

Amazon Coupons
The Consequences of going ALL IN! - a year later
Added on : Saturday June 28th 2014 06:00:05 AM
g: 2 Posted By: delzy
Views: 99 Replies: 4 I just got back from my annual pilgrimage to Vegas and was reminded of the saga that got me to where I am today: http://www.fullofdeals.com/forums/finance/1041394/

Since I can't comment on an archived thread, I started this post.

LIFE HAS BEEN GREAT since last we talked! I'm grinding out trade lines and while the limits are nothing like they were years past, the banks are still absolutely begging me to borrow and spend.

I have successfully achieved 17 new trade lines and have only been rejected for 3. I have basically been applying for 1 or 2 per month and have been quite successful. Now I know what it feels like to get all excited when a $1000 dollar credit limit is approved.. WOOT! While all my line add up to a whopping total of less than $15k, I have been getting incremental bumps when asking for CL increases every few months.

It has been exceedingly difficult to not fully utilize my meager lines for more of the $18 shiny, I have been sinking my extra disposable into my hoard using the little credit I have. I believe that utilizing the cards and paying in full is what is helping me achieve higher CLs. At the rate I am going, I am looking at a major relapse around 2024.

Back to Vegas, most of the hosts I know have moved or transferred so I'm not really remembered by many. The few that remember me think I blew an inheritance wad and basically have said that my level of play over the last year is insufficient to warrant to the benefits I may have become accustomed to in the past. I did manage a free buffet voucher at the nugget.

Lessons learned?
Buy PMs to hold and Guns to for pulling additional cash out of the plastic.
No, the trustee will not go ask the casinos for your money back.
It is not at all uncommon for gambling to cause BK. It's 2nd or 3rd cause behind medical and drugs.
The system is made by fools for fools and I won't get fooled ever again into acting like a righteous tax slave. There is no shame in enjoying the opportunities afforded to you by the corrupt and inefficient bureaucracy.

Take my lesson and enjoy.
Expedia $50 off $200 - book by July 7
Added on : Friday June 27th 2014 07:00:05 PM
g: 0 Posted By: helloimalbert
Views: 208 Replies: 0 Ripped from therewardboss.com

MagicofMiles reported that Expedia is offering $50 off $200 hotel bookings in 2014.

Whats the catch? You have to give them your mobile #, download and book using their mobile app, and book by July 7, 2014.

Remember that when you book through Expedia or similar website, you wont get credit towards elite status because you need need, for example, book directly with Starwood Hotels to get credit towards Platinum status. BUT, since I will be going to Asia and probably staying in some non-chain hotels, the $50 will come in handy. Sign up yourself and your traveling partner, and you have $100 off $400. If you can use this, get the coupon and book in the next week, otherwise, I wouldnt do this for just $25 off.

I dont usually use these travel booking sites because Im usually using points, but seems many people dont like Expedia check this out: Expedia Scam. In the few times Ive used them I havent had problems but I do make sure that my hotel reservations have free cancellation. I hate prepaid non-cancellable room reservations.


How to get it
Step 1: Click here
Step 2: Enter your mobile number and you will get a discount code. I didnt want to give them my mobile so I tried a google voice number and it didnt work so I entered my real number. They sent a text with a $25 discount code, ugh. But I kept going and downloaded their app, applied the coupon for a stay in NYC > $200 and got a $50 discount. I hate to put my mobile number online and may regret it in the future but I like to make sure deals work before I post them.
Step 3: Click the link in the text message to download the app.
Step 4: Redeem the coupon by July 7th 2014 and get $50. Even though it says $25, you should get $50. See the screen shot below which shows the $50 discount being applied.

On the Expedia page, there is a See Details link and a Terms and Conditions link which link to different offers which makes it nice and confusing but I think I figured it out.
Travel Deals Deals

Expedia Coupons
g: 0 Posted By: jskins
Views: 2 Replies: 0 Samsung 4.2-cu ft High-Efficiency Front-Load Washer (White) or Samsung 7.5-cu ft Electric Dryer (White)- $449 with coupon code 47000LOWES2406S + Free Shipping at Lowes.


Samsung 4.2-cu ft High-Efficiency Front-Load Washer:

4.2 cu ft allows for fewer loads with larger capacity
VRT quietly balances loads
PureCycle removes odors, bacteria, mold and mildew back up; removes 99.9% of harmful bacteria
Diamond drum reduces fabric damage


Samsung 4.2-cu ft High-Efficiency Front-Load Washer (White):

7.5 cu ft capacity allows for fewer loads
Sensor dry saves energy with moisture sensors that automatically adjust drying time


The next lowest price for the washer on Google Shoppingis $848 shipped.
The next lowest price for the dryer on Google Shoppingis $643.92.
Buying a Convenience Store
Added on : Friday June 27th 2014 10:00:11 AM
g: 0 Posted By: QuadesFather
Views: 206 Replies: 7 Forgive me if this has been covered in previous posts. I did a few searches and didn't find anything useful. I've come across an interesting convenience store for sale in my neck of the woods and I'm curious if this has any MS potential. The store is small and in an out of the way place, but is very close to home in an area that I've been looking at to build a new house. My family has owned a drive thru/convenience store in the past so I know exactly what I'm getting into from that aspect. In fact, I wouldn't even consider this business if not for the potential to sell myself gift cards. Has anyone considered making this kind of investment in the MS game? Can anyone point me to any resources. I'm not asking for spoon feeding, but a nudge or two in the direction of the silverware drawer would be appreciated.
General Economics Deals
g: 0 Posted By: remick
Views: 114 Replies: 0 Beginners Guide To Knitting Socks: Learn how to Knit Socks Quick and Easy
http://www.amazon.com/gp/product/B00E9M0H3U

4.8 out of 5 stars (8 customer reviews)

With this book you will learn:

Sock knitting basics such as sizing and knitting test swatches
How to choose the correct yarns and needles for knitting your socks
Sock Cast-on techniques, such as, long tail cast on, Eastern/ Turkish cast on
How to knit socks from the top down
How to knit sock from the toe up
How to avoid the dreaded sock knitting gusset hole.
How to knit two socks at once using circular needles
This book also includes 1 basic sock pattern and 1 ribbed sock pattern for you to work on.

BONUS: As an added bonus this book includes a knitting glossary at the end, for you to use to help understand knitting jargon!



One-Day Crochet: Christmas: Easy Christmas Projects You Can Complete in One Day
http://www.amazon.com/gp/product/B00L9LP608/

Create a beautiful Christmas craft in just one day!

Have you always wanted to learn to crochet but thought it was too difficult?

Have you considered crocheting a Christmas project but thought it would take too long?

Would you like to create a special and meaningful gift for someone or an ornament for yourself?

Are you looking for fun, easy and quick crochet projects to complete in just a day?

Have you seen those beautiful crocheted angels and snowflakes and wondered if it was possible to actually make one?

If any of these questions resound with you, then this book is for you! Inside you will find a review of the main crochet stitches and materials often used in crochet projects, in case you are new to the craft, or are looking for a refresher. Finally, you will find 10 beautiful Christmas patterns that can be completed in just one day. Note that these patterns will help you complete one Christmas project, or perhaps even a few ornaments in one day. For multiple copies of a project or ornament, you can expect that you will need more than one day to complete.

With this book, you can create the following Christmas projects:

- Santa napkin holders
- Reindeer hat
- Traditional ornaments
- Granny square stocking
- Tree ornaments
- Snowflake ornaments
- Wreath ornaments
- Christmas doily
- Mini stocking ornament
- Elf hat


(3 Book Bundle) "Beginners Guide to Knitting" & "How to Knit Hats: The Easy Way" & "How to Knit Fingerless Gloves and Mittens" (Learn How to Knit 7)
http://www.amazon.com/gp/product/B00IO6ZBXI

Book 1: "The Beginners Guide to Knitting"
This book will teach you:

Proper Knitting Needle Sizes
How to Choose Yarn
How to Cast on Knitting
The Most Popular Knitting Stitches
How to Start a New Ball of Yarn
Binding Off
Basic Color Knitting
How to Read a Knitting Pattern
Seaming and Finishing
Increases and Decreases
Knitting in the Round
How to Purl
How to Use Circular Knitting Needles
Knitting Wool
Book 2: "How to Knit Hats: The Easy Way"
This book will teach you:

Hat knitting basics such as sizing and how to determine your gauge
How to choose the correct yarns and needles for knitting your socks
Hat Cast-on techniques
How to complete the Knit Stitch
How to complete the Purl Stitch
How to complete the Stockinette Stitch
How to complete the Ribbed Stitch
Binding off your hat
This book also includes 4 hat patterns for you to work on (Rolled Brim Hat, Spiral Rib Hat, Seeded Slouch Beanie, Seeded Slouch Beanie).
Book 3: "How To Knit Fingerless Gloves And Mittens"
This book will teach you:

Fingerless Gloves And Mittens knitting basics, such as how to knit test swatches
How to choose the correct yarns and needles for knitting your gloves and mittens
Cast-on techniques
How to size your gloves and mittens
2 fingerless glove patterns
1 basic mitten pattern
1 mini-mitten pattern
Get Started Knitting a Fun Project Today!

Totally Free Deals
g: 0 Posted By: darlamack
Views: 94 Replies: 0 Today's MacMall Daily Deals has a few cases for MacBook Pro's up to 15.4" and iPad cases for 99.


http://www.macmall.com/p/Macase-Carrying-Cases/product~dpno~13190400~pdp.iiadacf
http://www.macmall.com/p/Macase-Carrying-Cases/product~dpno~13190395~pdp.iiadaca
http://www.macmall.com/p/Macase-Carrying-Cases/product~dpno~13190397~pdp.iiadacc
Macbooks Deals

MacMall Coupons
g: 0 Posted By: remick
Views: 26 Replies: 0 http://www.amazon.com/gp/product/B00AVMPGY2

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



VISUAL BASIC: Introduction To Programming
http://www.amazon.com/gp/product/B00JU9RPAA

I wrote this book to bring the basics of programming in Visual Basic to you without cluttering the issue with too much information too soon. It focuses on console applications to bypass the tendency to jump into programming feet first, and ending up with lots of bells and whistles that doesnt really accomplish anything. It is, however, detailed enough to start any reader on the exciting road to programming.
The examples are detailed enough to give a good introduction to Object Oriented Programming (OOP), without clouding the learning process with some of the more difficult principles of OOP.
The book is short enough to be read in one sitting, but not so short that it doesnt accomplish what it sets out to do.
All the resources used to do the programming shown in the book can be downloaded from the World Wide Web without any costs. I have included all the necessary links to the sources used.
I really hope you enjoy reading this book just as much as I enjoyed writing it.
In a few minutes you can be an your way, and who knows what the future holds for you in programming.
Free 18v X4 battery with Ridgid Purchase - YMMV
Added on : Thursday June 26th 2014 08:00:05 PM
g: 0 Posted By: kjgeraci
Views: 166 Replies: 0 I purchase the Ridgid Drill/Impact drive set at HomeDepot today ($279) and I had a choice between a free 18v x4 battery ($119 value) or a RIDGIDJobMax 18-Volt Console Multi-Tool ($99 value). I did not see the same deal online ... it does not mean it is not there, but rather I could not find it in 1min of looking. There were a few other package HomeDepot was selling that had free items with it too. It might be an in-store only deal.

RIDGID18-Volt X 4 Hyper Lithium-Ions Cordless Hammer Drill and Impact Driver Combo Kit + Free ITEMModel # R9200 Internet # 205141594 Store SKU # 1000050962
Ridgid Deals
g: 0 Posted By: ctgolfer
Views: 110 Replies: 0 shipping adds $5

The iW3 is an AirPlay wireless speaker system that uses your Wi-Fi network to connect and control your iTunes library (Mac + PC) for wireless audio anywhere in the home. Rechargeable Lithium-ion battery for portable placement. The iW3 also supports USB for charging and music playback of iPad, iPhone and iPod with any iPod USB sync cable. Modest size and affordability make this an ideal solution for multiple room placement. Embrace wireless living with impressive technology and an exceptional audio experience.

Wireless

Works with AirPlay wireless audio
Stream wireless music from iTunes, iPad, iPhone & iPod touch. Learn more

Wi-Fi Certified
Certified for 802.11b & 802.11g Wi-Fi Technologies. The Wi-Fi CERTIFIED logo is an assurance that the Wi-Fi Alliance has tested a product in numerous configurations and with a diverse sampling of other devices to ensure compatibility with other Wi-Fi CERTIFIED equipment that operates in the same frequency band.

AirPlay

AirPlay wireless audio streaming over Wi-Fi
AirPlay is a built-in feature to Apple devices that lets users stream audio wirelessly from their iPad, iPhone, iPod touch, and iTunes. AirPlay works wherever there is a Wi-Fi network.

Remote control of streaming music playback
Supports play/pause, next track, previous track, and volume control of iPad, iPhone, iPod touch and iTunes music playback from the speaker control panels.

Simple & quick wireless network setup with iHome+apps technology
Supports simple network setup and custom device naming using iHome Connect, a FREE app available on the App Store for iPad, iPhone, and iPod touch. Launch the app and connect to the speaker (with the included USB sync cable) and follow simple on-screen menus to configure Wi-Fi. Enjoy AirPlay in just a few short minutes after un-boxing.

Docking

USB docking for iPad, iPhone and iPod charging and music playback
Connect your iPad, iPhone and iPod through USB port using the included USB docking cable, or using any USB sync cable, for charging and audio playback.

App Features

iOS App-enhanced device - Works with iHome Set
Set and control device features, and update firmware when necessary, right from the touch-screen interface on iPad, iPhone, and iPod touch a FREE download from the App Store.

iOS App-enhanced device - Works with iHome Connect
Providing simple network setup and custom device naming, right from the touch-screen interface on iPad, iPhone, and iPod touch a FREE download from the App Store.

See the iHome Connect Information Page to learn more about the setup app for iHome AirPlay speakers.

iOS App-enhanced device - Works with iHome+Sleep
See the iHome+Sleep Information Page to learn more about the alarm clock app from the experts on alarm clocks

iOS App-enhanced device - Works with iHome+Radio
See the iHome+Radio Information Page to learn more about the internet radio app for sleeping and waking

Sound Enhancement

SRS WOW HD
Improves the playback quality of audio, delivering a dynamic 3D entertainment experience with deep, rich bass and high frequency clarity for crisp detail

Reson8 speaker chambers
Specially designed sealed speaker enclosures deliver astounding clarity, depth and power

Power

Universal 100-240V AC adaptor
Switching power supply works just about anywhere in the world to power your unit

Additional

Aux-in jack
Listen to aux audio sources (e.g., computer, CD player)

http://moofi.woot.com/offers/ihome-airplay-wireless-speaker-2
Daily Deals

woot! Coupons
Griffin PowerDuo Universal Micro Car+AC - $5.21 FSSS
Added on : Thursday June 26th 2014 04:00:05 PM
g: 0 Posted By: hansendc
Views: 246 Replies: 0 This has been covered on FW from a few other sources, but not from Amazon in a while. It charges iPhones at the full 1A, and is a pretty good deal for a pair of small chargers from a reputable manufacturer. The AC charger has folding prongs making it effectively smaller than the official Apple iPhone chargers. Free Prime shipping, or FSSS.

link
Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Most-Influential-Rock-Stars-1960s-ebook/dp...

In 1964, girls all across the United States filled venues, almost literally screamed their heads off, and fainted en masse. Almost from the second they played the first note, The Beatles would be hit with the resounding screams, which made it impossible for them to even hear themselves sing. When they made their American debut on The Ed Sullivan Show in early 1964, they were greeted by young fans who whipped themselves up into such a frenzy that some of them fainted. Beatlemania had struck North America, creating a musical and pop culture phenomenon unlike anything the world had ever seen. At the center of it all was John Lennon and Paul McCartney, the principal songwriting duo who were instrumental in creating the soundtrack of the 1960s, while producing some of the worlds most timeless classics. Together with George Harrison and Ringo Starr, Lennon and McCartney propelled The Beatles to unprecedented heights, sparking Beatlemania on two sides of the Atlantic and experimenting with their sound in ways that revolutionized rock and inspired bands across various musical genres.

In the space of just a few years, Bob Dylan, born Robert Allen Zimmerman, rose from the obscurity of a small Minnesota town to a position of royalty atop the folk music landscape of the 1960s, with a universal esteem and status on a par with Elvis Presley and The Beatles. In the 1960s, Blowin in the Wind and The Times They Are A Changing became anthems of the anti-war and civil rights movements, but long after the transition from the 50s to the late 60s and 70s was accomplished, the initially baffling young folk singer who appeared out of nowhere was awarded a special Pulitzer Prize for his profound impact on popular music, and American culture, marked by lyrical compositions of extraordinary poetic power. Over the span of his career, he has received Grammy Awards, Golden Globes, Academy Award Oscars, and he has been inducted into the Rock & Roll Hall of Fame, the Minnesota Music Hall of Fame, the Nashville Songwriters Hall of Fame, and the Songwriters Hall of Fame, not to mention the Pulitzer Prize and Presidential Medal of Freedom.

It is rare in the world of music for a general consensus to form over who was the best at anything. Many would call The Beatles the greatest rock band, but its easy to find strongly opinionated dissenters. However, when it came to playing a guitar and laying the soundtrack for the psychedelic era, just about everyone agrees there was Jimi Hendrix (1942-1970) and then there was everyone else. Anyone arguing otherwise either never heard his music or saw him perform. In fact, Jimi Hendrix is one of the few musicians known primarily for his sound and what he could do with a guitar than for his discography.

Dubbed by many as the First Lady or Queen of Rock & Roll, Joplin both invented and installed the rock mama paradigm into the American rock consciousness, a patriarchal and fraternal industry that, much like the societal traits it protested, restricted women to a narrow and conservative criteria for entrance. With only a very few kindred spirits, such as Grace Slick of Jefferson Airplane, she pioneered a new range of expression for white women.

In the mid-1960s, an era on the CUSP of change from the musical and social norms of the previous decade, the emergence of Jim Morrison, the charismatic poet/musician of The Doors, helped to transform the subgenre of rock n roll as a stylistic flavor to the full-fledged institution of Rock Music. Morrison accomplished this transformation by avoiding membership in any of the known categories of modern rock music during the age of protest, but at the same time, he became the general symbol of anti-authoritarianism for his generation and the next.
Totally Free Deals
Free Kindle Book - Secrets of Buying and Selling Used Equipment
Added on : Thursday June 26th 2014 01:00:11 AM
g: 0 Posted By: remick
Views: 31 Replies: 0 http://www.amazon.com/gp/product/B004FEFAX4/

Billions of dollars of used equipment changes hands every month. This almost hidden business is a perfect way for any person to work from home and make over $100,000 per year.

Having been a used equipment dealer for over ten years, D. Alan Johnson shares the secrets that he learned from a multimillionaire who dealt in used oil field equipment.

Using a step by step checklist plus many stories of his most interesting sales, D. Alan Johnson gives you an insider's perspective on where to find equipment to buy, how to finance the deal, and how to sell, including overseas transactions. Plus there is an entire section on how to turbocharge your profits through installment sales.

Not just any business guide, Johnson tells you the secrets of specializing in a certain type of machine, how to tell if you have the personality to succeed as a dealer, and the pitfalls to avoid.

The worksheets for buying selling and structuring the financing of the deals is worth many times the price. But included are inner secrets of negotiation, marketing tips, and how to sell to Third World Countries.

If you would like to try a lifestyle where there is no commute, no boss, and where you get paid according to the amount you work multiplied by the amount of your ingenuity, then you could be a self employed equipment dealer in just a few months.
Totally Free Deals
Taking over mom's house and adding accessory unit?
Added on : Wednesday June 25th 2014 11:00:07 AM
g: 0 Posted By: nicki11012
Views: 49 Replies: 0 My mother lives in a beautiful large house that sits on 1 acre of land. She is 55 y/o (a hairstylist) and her hair salon is on the side of the house. There is a 2 car garage out in the back that is connected to the house by a porch. The garage has an attic on top - the whole structure is ~ 900 sq feet. My mom loves her house, but was thinking about moving to a condo because it's way too much space and maintenance for one person. She hasn't sold because her hair salon is on the side of the house - if she sells the house, the self-owned business is gone too.

My husband and I (30 yrs old) moved in about 2 years ago. We were only going to stay for a few months, but we've had ample space and have been doing well there. We started thinking... hmm, maybe we could take over this house (we both love it) and we could transform the garage into that condo my mom wanted. We would be in a nice house and she would be able to maintain her business. We could share a lot of expenses. I am an only child, so I could help my mom as she gets older and she'll be there to help babysit as we start having children... sounds great!

The house is probably worth $550k and my mom owes about $100k. Her mortgage is only $1200 per month right now. If we were to build the accessory unit it would cost about $100k to build. If we were to do this, we need to figure out who would pay for it - to refinance the house, we'd have to put our names on the deed (she doesn't make enough to refinance alone). My husband and I couldn't afford to buy it from her for the full price - if we were to buy our own house, our budget would be about $400k. Do we rent from her? What happens when the house needs a new roof, etc?

Also, because my mom owns her own business, she doesn't have the best retirement package. The most complicated aspect of all of this is that the equity in the home will probably be needed at some point in time for retirement. We would just buy the home outright if we could afford it, but we can't. If we take out the $ to do the accessory unit from the equity and then rent from her, she may need $ from the home later, which would affect the monthly cost of the home in the future.

We have this wonderful home that we all love and the mortgage is crazy low - I would love to have my mom around to help with dogs, kids, etc... We could share so many expenses and my mom could keep her business, but it just seems insanely complicated to work everything out.

Does anyone have thoughts/advice??
New User Question Deals
Medical liability of sponsor of visitor visa
Added on : Wednesday June 25th 2014 07:00:09 AM
g: 0 Posted By: Veeekay
Views: 51 Replies: 0 One of the contractors I work with is on a work permit (H1) and is in the US for the past 6 months. Approx a month ago his inlaws were visting him on his invitation and he providing documentation to the State dept that he would provide financial support to them during their visit to get their visitor's visa (standard procedure).

A couple of days into the visit his MIL started to throw up and a day later she had jaundice (yellow eyes). He took her to the emergency room because she was so dehydrated. Emergency room checked her out, but ruled out Hepatitis virus. After a few rounds of diagnosis, the doctors confirmed that she had stage 4 cancer of the liver. At this point, his inlaws just want to get her to a point that she can travel back to the home country to start treatment, which the hospitals here did. His inlaws used their travel/visitor's health insurance, but provided his address as the mailing address.

Now bills are being sent to his address for the ones over the limit of what the travel insurance would cover. Speaking to travel insurance he gathered that there is over $50K of outstanding bills (so far) but don't know how much is over the limit. He does not know how to proceed. On one hand because he sponsored them, he feels obligated to pay the amount not covered by insurance. However, he fears that it may be many times over his savings. He does not want to pay part of it, because he's concerned that if this gets sent to collections (for the rest of the amount), somehow collections would make him responsible because he paid part of it.

Does anyone know what his liability is?
Screening tenants
Added on : Tuesday June 24th 2014 11:00:07 PM
g: 0 Posted By: shankman007
Views: 36 Replies: 0 Long time lurker and sometime poster here. I purchased my first "rental" townhouse two months ago and have been looking for a suitable tenant since. The townhouse is in the Tampa Bay area. I am using a realtor to screen potential tenants and have also advertised on various websites (CL, hotpads, Trulia etc). The problem I am having is that the profile of tenants I have seen in the rental market I am looking is very disappointing. I have tried to follow the due diligence that is often discussed in this forum (credit history, past rentals, no major collections, etc) and most of the applicants who eventually put in an application (3x of them in total so far) have had various issues with their credit history or did not have enough cash to do a first/last month deposit (especially the person with no prior rental history). Also, I have put in a pet clause and have advertised an addition $25 per month pet fee + last month deposit. Pet owners are shying away because of this additional fee. The advertised rent is in the 1300-1500 range (so not exactly low end for that market). I have lowered the advertised rent twice since I first put up the townhouse for rent (the rent is down by $100 now). There are similar townhomes renting for the same price in that area. I did do some research on the supply/demand situation and the community I purchased the townhouse in seems to have few renters and the school district is stellar from what I hear. Further, there is not a whole lot of townhomes for rent in that community. There are clearly other factors at play here which is preventing me from finding a good tenant.

Any advice on how to find a decent tenant?
Question Deals
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 shipping adds $5

The Panasonic KX-TG234SK expandable, digital, cordless telephone features DECT 6.0 Plus technology. Aside from the outstanding range and voice clarity provided to you via the DECT 6.0 technology, this phone also carries a digital answering system. With Panasonic text-to-speech technology the caller ID information is announced once the phone rings. The silent mode feature turns off the handset ringer when needed. The cordless phone system with 4 Handsets is designed to simplify the way you make and receive calls with the large LED light, 1.8" LCD screen, big buttons and simplified keypad layout.

DECT 6.0 Plus technology
Takes the superb sound quality and outstanding range of DECT 6.0 phones to a whole new level. The phone also offers a talking alarm clock and a talking battery alert that lets you know the low battery status. The call block feature lets you store unwanted callers and the light-up indicator with range alert flashes for an incoming call or new message. For additional convenience the KX-TG234SK offers up to 3-way conferencing and intercom facility.

Talking Caller ID
Hear whos calling from across the room. Panasonic phones featuring Talking Caller ID announce caller ID information in between rings so you dont have to stop what youre doing to answer unwanted calls.

Designed for Ease of Use
Innovative, user-friendly features make keeping in touch easier than ever. A large LED light atop the handset lets you know when someone calls, perfect for when you cant hear the ringer, and an easy-to-read, extra-wide LCD display lets you see whos calling at a glance. Bigger buttons make dialing a breeze while an amplified handset volume ensures you catch every word, even when theres background noise.

Intelligent Eco Mode
This feature automatically lowers the power consumption when youre using the handset close to the base unit. Not only does it extend the available talk time, its good for the environment. When less power is used by the handset to communicate with the base unit, battery life is prolonged which results in less frequent charging and can result in fewer batteries in landfills.

Tone Equalizer
Everyone hears differently. To maximize clarity or accommodate hearing loss, Panasonic added Tone Equalizer control. This exclusive feature actually lets you adjust bass, mid-range or treble tones in a callers voice for maximum clarity.

Call Block
Store the Caller ID info of any and all unwanted callers into your phones Call Block list so that you can eliminate future pesky calls from them. After their information is stored, theyll get a busy signal if they call you again.


http://electronics.woot.com/offers/panasonic-4-handset-dect-6-0-...
Daily Deals

woot! Coupons
g: 11 Posted By: ltcm
Views: 5686 Replies: 99 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, and new properties in the range of (EDIT) $600K - $1M+ that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new, but this particular street skews toward older properties). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. This is one of the larger lots in the neighborhood -- many of the others are only 1/2 of an acre, so this is nearly double.

If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new properties. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

UPDATE with inspection photos below, thoughts welcome.

Real Estate Deals
g: 0 Posted By: ctgolfer
Views: 27 Replies: 0 iPhoto - everything you love about viewing, editing, and sharing photos but with the power and simplicity of Multi‑Touch.
iMovie - You can shoot 1080p HD movies from your iPad. And with iMovie, you can turn that footage into a Hollywood-style trailer or mini feature film.
GarageBand - GarageBand lets you play a collection of Touch and Smart Instruments that sound just like their real counterparts but let you do things you never could on a real instrument.
Pages - Apple-designed templates and easy-to-use formatting tools let you create beautiful letters, flyers, reports, invitations, and more.
Numbers - Make innovative spreadsheets in a few taps with over 250 easy-to-use functions, an intelligent keyboard, flexible tables, and fun 3D charts.
Keynote - Create presentations with elegantly designed themes, custom graphic styles, stunning transitions, animated 3D charts, and more.
Facebook - Keep up with the people you know. Share your updates, photos, and videos. And see what friends and family are up to.
MLB.com At Bat - See every pitch and every at bat live on iPad. Get home and away radio broadcasts, video highlights, news, stats, and more.
Gilt Taste - Get great deals on food and wine, and read exclusive stories and recipes from famous chefs and food writers.
Houzz Interior Design Ideas - Browse design photos by style, room, or location, and find local designers who can make your design dreams a reality.
Barefoot World Atlas - Learn about different regions of the planet, encounter amazing wildlife, discover landmarks, and see the world in 3D.


www.ebay.com/itm/Apple-iPad-w-Retina-Display-Latest-Model-16GB-W...
g: 0 Posted By: javajoejava
Views: 350 Replies: 0 I received a price drop alert for the Cuisinart FP-12 Elite Collection 12-Cup Food Processor for $134 at Amazon with Free Shipping. This is the Elite model with 1000 watts of chopping insanity. Multiple bowls that nest for flexibility and convenience. Normally sells for $190-210 so this is a HOT price! Available in Black or White but just a few left so act fast. 4.2 out of 5 stars. At the all time low price according to the camels. Enjoy!

LINKY

1000-watt food processor with 12-cup work bowl and nesting 4-cup work bowl
On/off/pulse touchpad controls; wide-mouth feed tube; blade-locking system
Stainless-steel slicing disc, shredding disc, chopping/mixing blades, and dough blade
Dishwasher-safe parts; spatula, "how-to" DVD, and recipe/instruction book included
Product Built to North American Electrical Standards

Combining the Cuisinart tradition of culinary excellence with groundbreaking innovation, the Cuisinart Elite Collection 12-cup food processor sets the bar for the next generation of kitchen appliances. With a 4-cup work bowl nested inside the big bowl, plus the adjustable 6 position slicing disc and reversible shredding disc, it provides home chefs with multiple food processors in one! The exclusive SealTight Advantage System is designed to deliver maximum bowl capacity and clean processing and pouring. The 12-cup food processor is equipped with 1000 watts of peak power and a variety of accessories that make every meal easier to prepare. It is truly the finest food prep appliance available for today's modern kitchen.-JavaJoeJava
Appliance Deals

Amazon Coupons
g: 0 Posted By: javajoejava
Views: 314 Replies: 0 I received a price drop alert for the Cuisinart FP-12 Elite Collection 12-Cup Food Processor for $134 at Amazon with Free Shipping. This is the Elite model with 1000 watts of chopping insanity. Multiple bowls that nest for flexibility and convenience. Normally sells for $190-210 so this is a HOT price! Available in Black or White but just a few left so act fast. 4.2 out of 5 stars. At the all time low price according to the camels. Enjoy!

LINKY

1000-watt food processor with 12-cup work bowl and nesting 4-cup work bowl
On/off/pulse touchpad controls; wide-mouth feed tube; blade-locking system
Stainless-steel slicing disc, shredding disc, chopping/mixing blades, and dough blade
Dishwasher-safe parts; spatula, "how-to" DVD, and recipe/instruction book included
Product Built to North American Electrical Standards

Combining the Cuisinart tradition of culinary excellence with groundbreaking innovation, the Cuisinart Elite Collection 12-cup food processor sets the bar for the next generation of kitchen appliances. With a 4-cup work bowl nested inside the big bowl, plus the adjustable 6 position slicing disc and reversible shredding disc, it provides home chefs with multiple food processors in one! The exclusive SealTight Advantage System is designed to deliver maximum bowl capacity and clean processing and pouring. The 12-cup food processor is equipped with 1000 watts of peak power and a variety of accessories that make every meal easier to prepare. It is truly the finest food prep appliance available for today's modern kitchen.-JavaJoeJava
Appliance Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 68 Replies: 0 The slimmest and lightest 1920x1200 resolution Full HD Android Tablet:
Feeling unsatisfied with the quality of an average screen? An upgrade to a FHD screen is what you need. The 1920x1200 resolution is more exquisite and offers more details for a Full HD visual experience

The Super IPS+ offers 600nits of ultra bright backlight so it can be read easily, even under sunlight, at angles up to 178 wide. Screen toughness is also not a problem. As the 1st tablet with the latest generation Corning Gorilla Glass 2, the Infinity offers improved screen impact resistance so it'll look great even after extended usage. Get immersed in entertainment on the Transformer Pad Infinity!

The Fastest NVIDIA Tegra 3 CPU Ever:
Powered by the fastest NVIDIA Tegra 3 4-Plus-1 chip around, the world's 1stquad-core mobile CPU blazes at 1.6GHz, providing the Transformer Pad Infinitythe power to browse the web and play 1080p HD video at lightning fast speeds. The snappier response time and better multi-tasking performance make the Transformer Pad Infinity a true mobile entertainment powerhouse

Improved Graphics Performance:
Designed for the next generation of mobile games. More realism with dynamic lighting, physical effects and high resolution environments.

Transform to notebook mode with a full QWERTY chiclet keyboard mobile dock and up to 14 hours* of battery life:
Admit it! You miss the touch and feel of a real QWERTY keyboard. The TransformerPad Infinity offers you a choice to enjoy both notebook and tablet mode and flexible data transfer or storage with the built-in SD card reader and USB port in the optional mobile dock . The mobile dock offers a full QWERTY keyboard with touchpad and USB port, while also extending battery life to an incredible 14 hours* for all day computing on the go

Incredible Beauty:
The metallic spun finished design on the Transformer Pad Infinity showcases technology blended with style. At only 8.5mm thin and 598g light, the Infinity'sprofile is feather light so you can take it around without being burdened by size or weight

Superior 8MP rear auto-focus camera with flash:
The Transformer Pad Infinity is equipped with the most advanced CMOS sensor and a large F/2.2 aperture, 5-element lens and hybrid IR filter design to ensure sufficient light exposure and making your photos bright and clear. The camera also has a dynamic auto-focus mode and touch to focus function that focuses moving objects and increases the shutter speed to reduce blur.

With the high speed auto-focus & color enhancement design, it provides 30% better color enhancement for crisp and vivid colors, allowing the Transformer Pad Infinity to capture a clear and breathtaking image

Incredible audio experience with ASUS Sonicmaster Technology:
Tuned by the ASUS Golden ears team, audio on the Transformer Pad Infinity is delivered with the most precise processing protocols and codecs, superior speaker construction and large resonance chambers for unforgettable audio enjoyment.

SuperNote - super great app for more than note taking:
SuperNote is a versatile note taking app that allows users to take notes and information through a variety of options, including the keyboard, finger input, photo and video capture or audio notes.

ASUS WebStorage:
Through the preloaded ASUS WebStorage, users can easily sync across all devices. ASUS WebStorage is a complete cloud solution with one tap to backup. Get startedwith the free lifetime 8GB storage from the Transformer Pad!

Polaris Office, a professional mobile office Solution:
Preloaded on the Transformer Pad Infinity is Polaris Office, a professional mobile office solution which enables users to edit various types of office documents including documents (.doc), spreadsheets (.xls) and presentation files(.ppt), making the Infinity very attractive for professional use. In addition, the ultra-convenient 8GB of ASUS WebStorage space provides worry-free cloud computing, and best of all, is free for life!

Android 4.0 Ice Cream Sandwich OS:
Android 4.0 (Ice Cream Sandwich) is the latest version of the Android platform built for phones, tablets and more. It provides easy multitasking, rich notifications, customizable home screens, resizable widgets and deep interactivity for a full web experience. Supporting Adobe Flash and the ever growing Google Play, entertainment is a finger swipe away. The convenient ASUS Launcher also allows users to launch software, manage content, access online services and connect devices with a few simple taps.

www.ebay.com/itm/ASUS-TF700T-B1-GR-NVIDIA-Tegra-3-1GB-DDR3-Memor...
Android Tablets Deals

eBay Coupons
Best Western Dover, DE for $1 a night valid 2/27/15-6/4/15
Added on : Monday June 23rd 2014 06:00:03 AM
g: 0 Posted By: WCU1
Views: 263 Replies: 0 http://book.bestwestern.com/bestwestern/selectRoom.do?stdRateFla...

Will need to toogle over dates from February 27,2015 through June 4, 2015. $1 (or less) a night rooms. Great for NASCAR weekend.

Officially in Smyrna, DE a few miles away from Dover. You could potentially rent out the entire hotel for about $60 or so.

Who's in for a cancellation?
Travel Deals Deals

Best Western International Hotels Coupons
g: 0 Posted By: javajoejava
Views: 54 Replies: 0 I received a price drop alert for the Cuisinart FP-12 Elite Collection 12-Cup Food Processor for $149 at Amazon with Free Shipping. Normally sells for $190-210 so this is a good price. Available in Black or White but just a few left so act fast. 4.2 out of 5 stars. At or near the all time low price according to the camels. Enjoy!

http://www.amazon.com/gp/product/B002KAPD6Y/ref=oh_details_o00_s...

-JavaJoeJava
Appliance Deals

Amazon Coupons
g: 0 Posted By: CindyLouWho2
Views: 20 Replies: 0 ~~Moe's Southwest Grill - Sign Up Rec A Free Cup of Queso & Entree on Your B-Day
Moe's Southwest Grill - Sign up Rec a Free Cup of Queso & Entree on Your B-Day
Sign up with Moe's to receive a free cup of Queso and a free burrito on your birthday! All coupons will be sent via email.
http://www.moes.com/connect/eworld/
Food & Grocery Deals
Advice on rebuilding credit
Added on : Sunday June 22nd 2014 09:00:04 PM
g: 0 Posted By: dgsion
Views: 62 Replies: 0 Hi guys, I know there are some sharp folks here. Long story short I'm 29 years old and about 4 years ago I lost everything I had and some $ borrowed from banks in the stock market. That, coupled with student loans made my credit score go from near 800 to the floor. I checked it a few months ago and I think it was around 500 something. My question is what would you recommend for rebuilding it? I know most places won't extend a line of credit, via retail or others but I heard some are easier than others.. someone said Amazon was easier? My debts are still outstanding but written off, so correct me if I'm wrong but I believe the credit score will not be dinged if that's the case. Cheers.
Question Deals
Death of Spouse, whats next?
Added on : Sunday June 22nd 2014 07:00:08 PM
g: 0 Posted By: whyhello
Views: 101 Replies: 1 Hello all-

A friend of mine has passed away, and now there have been a few questions arisen.
They were married. Man and woman. Man has passed away. Any insight information will be appreciated.
There is no will. There is no power of attorney.

Mortgage?
Under both names, husband death, widow does not work. (Contacting mortgage company to see if there was any insurance to cover the rest of the loan.)

Credit Cards? (Widow may be just an authorized user.)
Under both names, husband death. Widow liable?

Husband business?
Under husband only, husband death. Assets go to widow?

Medical Bills?
Under husband only, husband death. Widow liable?

Husbands assets - such as car, jewelry, etc?
All goes to widow?



What about for the kids of the dead spouse?

Are there any benefits in this matter?

Social Security benefits?

Kind Regards. Thanks
Discussion Deals
Free Kindle Book: Contest Guru's Guide To Winning Sweepstakes
Added on : Sunday June 22nd 2014 07:00:05 AM
g: 0 Posted By: remick
Views: 149 Replies: 0 http://www.amazon.com/dp/B00KQ3DTGI/

4.9 out of 5 stars (10 customer reviews)

Do you want to win trips, cars, big screen TVs, computers, money and more? Have you ever wondered why some people are so lucky and win over and over again? Have you ever wondered what their secret is?

There are hundreds of sweepstakes open for entry every day of the year, and thousands of prizes available for you to win. Sweepstakes are FREE to enter!

BIG prizes include cars, home renovations worth a $100,000+, round-the-world trips, and big cash prizes of $10,000 and more. Medium sized prizes include home theatre systems, computers, full camera systems, trips to Disney World, Europe and more. Small prizes range from books, T-shirts, and hats to ipads, iphones, watches, beauty bundles and more.

Have you ever walked by a draw box in a store and NOT entered? BIG mistake! these sweepstakes have some of the best odds going.

Some people only enter a sweepstake occasionally and win. Others make their living entering sweepstakes and win OFTEN! It doesnt matter where you are in this continuum, as long as you enter, you have a chance of winning. All it takes is a few minutes of your time and knowing how to increase your odds for winning.

Contest Gurus Guide to Winning Sweepstakes is all about WINNING.


You will find out about the legalities of sweepstakes; how to find legitimate sweepstakes with fabulous prizes; how NOT to get disqualified; how to leverage software to enter more contests, faster; and how to avoid scams. Youll also get resources to help you keep your hobby under control and dozens of links to the best sites for finding and entering sweepstakes.

Find out about the exciting world of sweepstakes and join thousands of happy winners who win BIG prizes all the time!

Winning Sweepstakes was first published in 1986 as Winning Ways. It was a best seller from day one. Over the years it has been revised numerous times. This is the first Kindle edition.
Totally Free Deals
Glary Utilities PRO - 12 months license free today @ BitsDuJour
Added on : Saturday June 21st 2014 09:00:09 AM
g: 0 Posted By: wtjc
Views: 202 Replies: 1 Link - Face it, your computer is not the new hotness that it was when you first pulled the squeaky styrofoam blocks off of its shiny corners. Since that day, regular operation of your machine has gummed up the works, making common tasks like booting up, shutting down, browsing the web, and running applications slow and unstable Glary Utilities PROis a Swiss Army knife of system optimization suitable for use by novice and professional alike. WithGlary Utilities PRO, you'll have access to registry and disk cleaning, privacy protection, performance acceleration, and amazing multifunctional tools. With just a few clicks,Glary Utilities PROcan repair registry errors, optimize internet speed, recover wasted disk space, safeguard confidential files, and maintain maximum performance.

I've been using this for a few years both as the free version and the paid pro version and so far I haven't paid a cent for it. The software does what it says it does. Verysimilarto CCcleaner. This is only available for the next 12 hours to download and install. The registration key can also extend your old subscription to a full year.

Hint: If you are trying to extend your old subscription click on overview. Then lower right manage license. Then click on refresh and put in new registration key.
Software Deals
Stingrey Polarized or Reflective Sunglasses $13.99 @ Woot
Added on : Friday June 20th 2014 08:00:07 PM
g: 0 Posted By: ctgolfer
Views: 45 Replies: 0 shipping adds $5

The Stingrey Polarized or Reflecitve Sunglasses have a tradition fit and feature FLX-T Technology. This technology has fewer pressure points therefore providing zero tension. You will not get a headache even after several hours of wearing these extremely flexible, ultra-lightweight glasses.

Polarized or Polycarbonate Reflective lenses
Reduced glare
Aerodynamic shatter-resistant lens
Memory technology helps the sunglass keep its shape
Long-lasting wear without pinching
Lightweight
100% UV protection

http://sport.woot.com/offers/stingrey-polarized-reflective-sungl...
Sunglasses Deals

woot! Coupons
g: 1 Posted By: robronson
Views: 118 Replies: 4 From my understanding of federal student loan debt that is discharged after 20/25 years (depending on your plan), you become liable for income taxes on the amount forgiven. While I don't expect this to remain once people's student loans start getting discharged in 10 to 15 years under these relatively new plans, because people won't be able to pay income taxes on a phantom $300k of student loan debt (after 25 years of compounded unpaid interest on a $50k to $100k principal) and will get their elected officials to change the law.

However, we can't prepare for that, and reading a thread on FWF tonight got me to learn about avoiding income taxes on discharged debt through "insolvency tests". I did some googling and read this IRS information here:

http://www.irs.gov/publications/p4681/index.html#en_US_2013_publ...

To summarize, it looks like the IRS will perform this insolvency test to determine whether you have to pay income taxes on those $300k of forgiven student loans in 20 years. Simply put, the test looks to see how much debt you had forgiven compared to your assets, and whatever the difference between the two numbers (liabilities minus assets) determines how much of the forgiven debt you need to pay taxes on.

Unfortunately, and VERY UNFAIRLY, the IRS counts retirement assets as assets. Which is ridiculous because $100k in a 401k isn't worth $100k. It's worth maybe $80k after you pay taxes on it. And if you had to withdraw it early, with a penalty, it's worth maybe $50k to $60k depending on your marginal tax break. Thus, the purpose of this thread is to strategize ways to make the insolvency test work in your favor because as written, it's very much against you.

Much like Medicaid fraud, I mean Medicaid asset protection, you probably don't want to start doing these things in the year your debt will be forgiven. So while the earliest any of us might possibly be forgiven for debt is still probably 10+ years out (since this plan didn't start until the early 2000s), it's worth thinking about in advance.

Here's some random ideas that may work:

1) Buy a house. As expensive as the bank will lend you money for, with as little down payment as possible, leading up to the debt forgiveness. It appears that the liability of the house counts in the liabilities column. So if you buy a $200k house with $40k down, then you now have $160k in Liabilities and $40k in assets for a net Liability of $120k.

2) Start converting 401k into Roth IRA in the years leading up to the loan forgiveness. Pay the taxes owed on the conversion out of the 401k money if necessary. Pay a penalty if necessary. You will get hosed for every $1 you have in your 401k or Traditional IRA because they will count every 60 cents to 80 cents in actual value (after you distribute the money and pay taxes/penalties) as $1. Since $1 of a Roth IRA is worth significantly more than $1 of a Traditional IRA or 401k, but the asset test counts the dollars the same, it may be worth converting even if it pushes you into a higher marginal tax bracket.

3) AOR BT Time, if those still exist in 10+ years. That's debt. If the cash vanishes, maybe because you went to Vegas, then the cash isn't an asset. But the BT is definitely a liability.

4) Borrow money from friends/relatives. Make it official. Notarized contracts. These are all liabilities.

5) Prepay for things you can prepay that won't count as assets. Prepay your child's education or daycare. Etc.

6) Combine strategies. Don't just have a notarized piece of paper that says you borrowed $300k from your best friend a week before the loan discharged. No one will believe that. But if you have a $100k left on a mortgage, $5k owed to your cousin, $20k on credit cards BTs, convert all of your 401k to Roth IRA over a few years, then the total strategy looks legit on a whole.

Curious to hear people's ideas on these. I don't feel bad for discussing them because (a) the concept that the IRS will tax you on income you didn't get and (b) the concept that they'll count your 401k assets as $1 for $1 are so totally biased against you that anything and everything is fair game, as long as it's legal. Ethics no longer applies.

I'm writing this for student loan debt forgiveness but feel free to use this to discuss any current 2014 debt forgiveness/insolvency testing issues.
Discussion Deals
g: 0 Posted By: avash
Views: 218 Replies: 0 Deal just got hotter.

Was originally posted at $529.99, before lowered to $519.99 a few days ago. Now it's even cheaper at$498.00shipped and sold by Amazon.com which is an awesome deal for it. Amazon link

Previous threads for reference:12

Highlights:

16.1MP APS-C sensor, up to 10 fps shooting
Fast Hybrid AF with phase detection
AVCHD 1080 60p/60i/24p HD movies
XGA OLED electronic viewfinder
Built-in Wi-Fi
Quick Navi controls
E-mount 16-50mm lens


I used to have a NEX-5N with the 18-55 kit lens and sold that on CL after getting the NEX-6 with 16-50 PZ kit lens included. I also have the SEL35F18 prime lens and the SEL20F28 pancake lens which are both great lenses to have on the lower (wide) coverage. I primarily use the 20mm pancake with decent light since it's nice and wide and switch to the 35mm prime in low light, or the 16-50PZ when prime lenses won't work and I need something more versatile and low light isn't an issue.

What I love:
- Wi-Fi (I use PlayMemories App on my Windows 7 laptop and Android smartphone to get pics from my camera without needing to use the USB cable)
- On-board charging through the micro-USB port (no need to carry an external battery charger)
- Hybrid phase and contrast detect for faster focusing (vs. contrast only detect from my old NEX-5N)
- electronic viewfinder which automatically toggles on through a proximity sensor (awesome for bright outdoor use, not having to use the screen)
- 16-50mm power zoom lens compactness and reduced weight (vs. the 18-55 kit lens from my old NEX-5N)
- it retained the articulating screen from the NEX-5N (can't do self portraits as the screen doesn't flip 180degrees but you can use Wi-Fi to remotely view and trip the shutter, YAY!)
- universal hotshoe vs. proprietary port (actually a bit of a lie, it's Sony's Multi Interface Shoe which combines universal hotshoe and their own port, so best of both worlds I suppose)

What I don't mind:
- Increased size, but not a bad trade off considering better grip, ergonomics and weight seems the same thanks to lighter 16-50mm PZ lens.
- Loss of touch screen, but not a bad trade off considering I've adapted quite well as the new physical mode dial accomplishes about 80% of what I used to do on the touch screen.
- 16-50 PZ lens doesn't feel as nice as the 18-55 manual zoom kit lens but not bad considering it's made it MUCH more pocket-able which is why I got the NEX in the first place.

What I don't love:
- Decreased battery life, reviews say less shots per charge, even less when using the EVF a lot. I have played with the settings to maximize battery life.


If you were on the fence about it, this is a great price for a very competent mirrorless interchangeable lens camera from Sony.
The reason the price is so low is because it's being clearanced out in favor of newer models with better hybrid phase detection, different screen articulation, new Alpha naming instead of NEX, etc.
SLR & dSLR Deals

Amazon Coupons
Minimum Income Required For CC Approvals?
Added on : Friday June 20th 2014 08:00:08 AM
g: 0 Posted By: swedishlionfish
Views: 107 Replies: 2 I have good credit (usually hangs around 780) and have a few credit cards already (Discover it, Amex Blue Sky, Chase Sapphire, Chase Freedom) but want to start applying for more cards with larger opening bonuses (airline cards), cards with annual fees, larger minimum spend for bonus, etc. Last year I applied for a Chase Sapphire Preferred and was denied despite my good credit, so I settled for standard Chase Sapphire with a smaller opening bonus. After some research I saw someone had said that a minimum income of $150,000 is required for the Chase Sapphire Preferred although it did not say this anywhere on the app. Is this true? I make around 28k/year, will I have problems applying for new more lucrative cards? Would I have a better chance of getting these cards now that I have more credit history? I only had two credit cards at time of applying for Sapphire. I am also younger (25), will my age affect any of this? Thanks
Credit Deals
Microsoft Natural Ergonomic Keyboard 4000 $19.99 w/FS @ Newegg
Added on : Friday June 20th 2014 07:00:02 AM
g: 1 Posted By: ctgolfer
Views: 94 Replies: 0 Model
Brand
Microsoft
Name
Natural 4000
Model
B2M-00012

Keyboard Connection Type
Keyboard Interface
USB

Keyboard SPEC
Design Style
Ergonomic
Palm Rest
Integrated
Normal Keys
107
Function Keys
17
Mechanical Keyboard
No
Keyboard Color
Black
Windows Vista
Certified for Windows Vista

Type
Type
Wired

Mouse Included
Mouse Included
No

Features
Features
Feel the comfort of the Gull Wing design, the best way to understand the comfort is to experience it yourself.
Snap in the optional palm lift to experience the seven-degree reversed slope.
As you type, rest your wrists on the supportive, integrated palm rest. The palm rest makes typing for long intervals more comfortable.
Open a spreadsheet and move the Zoom Slider up and down to zoom in and out.
Save the spreadsheet and then assign it to a My Favorites Key by pressing and holding one of the five keys.
Close out of the spreadsheet, and then press the My Favorites Key you assigned it to, to quickly access it again.
Open your Web browser and click around on a few pages. Use the Back and Forward keys to navigate pages without ever having to remove your hands from the keyboard.

Packaging
Package Contents
Natural 4000 Keyboard
User Manual
Driver Disk

www.newegg.com/Product/Product.aspx?Item=N82E16823109148
Keyboard & Mouse Deals

Newegg Coupons
Hi I'm Skinny chips at Sam's $1.91 for 20oz bag
Added on : Thursday June 19th 2014 04:00:13 PM
g: 0 Posted By: sollyd
Views: 213 Replies: 0 Picked up a few bags in Northlake, IL store today. Tastes like FUNYUNS! Great deal!!
http://www.samsclub.com/sams/sw-o-skinny-sticks-20-oz/prod12360207.ip?sprodId=prod12360207&searchTerm=hi%20im%20skinny&_requestid=6744
In Store Promos Deals
g: 0 Posted By: Deals4mykids
Views: 174 Replies: 0 40% off Hatsan USA Air Guns: Air Rifles & Pistols from $59.99 ($3.99 flat-rate sitewide shipping)

For pest elimination, Target practice, plinking or small game hunting, air guns are fun as a barrel of monkeys.
Hatsan is one of the finest airgun manufacturers in the world.
Besides crazy Field Supply discounts, a few other reasons Hatsan USA is tops:

Power. Velocity rates can be misleading. Hatsan tests with lead pellets, not lighter aluminum alloy. Thus while velocities are published as equal, Hatsan delivers more knockdown power.
Craftsmanship. Each component is produced by Hatsan in their own facilities and only high-grade raw materials are used, including fine Turkish walnut & German steel.
Features. Most Hatsan specialty features come standard, e.g. Quattro Triggers, SAS-Shock Absorber System, XRS Recoil Reduction System, Barrel Release System, TruGlo fiber optics & Triopad butt system.
Custom designed. Many airgun manufacturers work from templates. By contrast, Hatsan USA guns are conceived and developed in-house from the ground up. Your Hatsan is an original, not a reproduction.

http://www.fieldsupply.com/hatsan-air-guns-up-to-40-off-all-new-...
Guns & Ammo Deals
NEW Sony PS3 500Gb The Last of Us Bundle $249 w/FS @ eBay by Buy
Added on : Thursday June 19th 2014 07:00:03 AM
g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 Product Description

Play one of the highest rated games of 2013 with The Last of Us PlayStation 3 Bundle featuring a PS3 500GB System.

Join Joel, a ruthless survivor with few moral lines left to cross, who lives in one of the last remaining Quarantine Zones. These walled-off, oppressive cities are run by whats left of the military. Despite the strict martial law, Joel operates in the black market of the city, smuggling contraband for the right price.

With over 40 perfect scores, The Last of Us is one of the great games made - Only On PlayStation.

The PlayStation 3 500GB System, with a built in Blu-Ray player, can hold up to 3,750 games, 297 movies, 198,437 songs or 80,000 photos.

The PlayStation 3 system includes a free* PlayStation Network account for online gaming, streaming movies and music, and access to the PlayStation Store.

*Internet Access Required

Bundle Contents

PlayStation3 System 250GB
The Last of Us
DUALSHOCK3 wireless controller
AC Power Cord
AV Cable
USB Cable

www.ebay.com/itm/NEW-Sony-PS3-500Gb-The-Last-of-Us-Bundle/301214...
PS3 Deals

eBay Coupons
banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
g: 1 Posted By: BloodyInsane
Views: 1156 Replies: 3 Linky

Toshiba PH3300U 3TB 3.5" SATA II drive, $99.99 at MicroCenter. Retail box, with screws, no cables or other accesories. 3 year mfg warranty.

Lowest price I've seen in a few months. Great drive. I've had one for about a year as a backup drive in a 24/7 server.

Normal Price: $129.99 @ Newegg

See DizzyT71's post below for Amazon reviews of bare drive.
Hard Drives Deals
20% off all Burt's Bees Products at Drugstore.com
Added on : Wednesday June 18th 2014 04:00:02 PM
g: 0 Posted By: savvy002
Views: 127 Replies: 0 I got this link in my e-mail today and I used it to buy a few Burt's Bees products for my wife. Hopefully it works for you guys today as well. The e-mail says it is valid until 6/25/14.

Here is the link: http://e.drugstore.com/a/hBToX9KAbeh5-B86sDgDhG8WZ.AcGxiTP1/shop... -- you must click through it to activate the 20% off.

Enjoy!


Health Deals

drugstore.com Coupons
g: 0 Posted By: remick
Views: 179 Replies: 0 http://corazonas.com/wp-content/uploads/2014/06/FFCoupon.pdf
Totally Free Deals
Free Kindle Book - The Courtesan Handbook
Added on : Wednesday June 18th 2014 05:00:10 AM
g: 0 Posted By: remick
Views: 57 Replies: 0 http://www.amazon.com/gp/product/B00DY68GO4

Do you dream of designer clothes, fine jewelry, five star dining, and vacations to luxury resorts? For centuries, certain women have made their living simply by living a fantasy lifestyle. Historically, such a woman was called a "courtesan." Today, women who live this luxury lifestyle, and get paid to do so, are known as "high-end escorts." It is a world that can provide a woman with financial
security in addition to glitz and glamour. It has also been a world that few have been able to enter. Until now.

In The Courtesan Handbook, Arden Moon mentors her readers using her years of experience and a passion for the art of escorting. The author has had enormous success in the industry both before and after the business transitioned into a mainly digital industry. Escorting can lead to an incredible
lifestyle for any woman. However, entering the upper echelon and mastering the craft is virtually impossible without the sort of valuable knowledge offered within this book. If you have ever thought about being an escort or are a novice wishing to
expand your knowledge and increase the caliber of your clientele, then The Courtesan Handbook is your perfect step-by-step guide.

You will learn:

A brief history of the courtesan
The different types of escort businesses you can pursue
How to properly advertise yourself and create a powerful web presence
How to navigate the various online marketing options
How to attract and maintain the highest level of clientele
How to remain healthy, happy, and safe while making more money than you ever have before
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 72 Replies: 0 Panasonic KX-TG7733S DECT 6.0 Plus 3-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

Bluetooth Convergence Solution
Like using your cell phone at home but don't like carrying it around? Now you can make and receive cell phone calls though your multi-handset home phone with the Bluetooth-powered Panasonic Link-to-Cell. Link-to-Cell harnesses the power of Bluetooth to combine the freedom of your cell phone and the convenience of a home phone. By linking your cell phone to the Bluetooth-powered Panasonic Link-to-Cell, you can make or receive calls on all compatible Panasonic home phone handsets. Don't want to be without your cell phone's phonebook? No problem. With Link-to-Cell's Phonebook Transfer feature, you can transfer up to 600 names and numbers from your cell phone to the built-in handset directory via Bluetooth. Link-to-Cell also features Bluetooth headset connectivity so you can keep the conversation going and your hands free. Perfect for those times when you're talking but need to walk around your office or home, open drawers, flip through files or write.

Dect 6.0 Plus
Dect Plus technology takes the superb sound quality and outstanding range of DECT 6.0 phones to a whole new level. By increasing the frequency of error correction by up to 80x, the transmission quality is improved and the phone's range is extended. Engineered to work in 1.9GHz frequency, our DECT 6.0 phones won't conflict with common wireless devices such as 2.4GHz routers, wireless keyboards and mice, microwave ovens and other household items. And because it's digital, you'll enjoy long range and clear sound while deterring eavesdropping.

Talking Caller ID
Now you can hear who's calling from across the room without having to get up. Using text-to-speech technology, Panasonic phones featuring Talking Caller ID announce caller ID information in between rings. What could be more convenient?

1.8 White Backlit Handset Display
See whos calling at a glance on our wide, 1.8-inch LCD and set screen. Featuring black text against a white-backlit display, its crystal clear and easy to readeven from a short distance away.

LED Light-Up Indicator
Now, you can know when a calls coming in or if you have a messageeven if youre vacuuming or listening to music. A large, bright LED indicator on top of the handset lights up when you get a call or a message, so youll always be connected.

Easy-to-Use Big Buttons
We streamlined our keypad to include fewer buttons while also making them larger. No more fumbling to find the right key, and no more dialing the wrong number.

Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day Panasonic



Panasonic KX-TG385SK DECT 6.0 Plus 5-Handset Cordless Link-to-Cell Phone System with Answering Machine

Link2Cell
Link2Cell is a cordless phone system that operates together with your cell phone. Simply charge your cell phone through the USB port on the Panasonic base unit and sync the two via Bluetooth. Now youre ready to make and receive cell calls that are automatically routed through all your home phone handsets. Which means theres no need to carry your cell phone around your home.

USB Charge
No convenient electrical outlet for charging your cell phone or smart phone? No problem. The base unit features a convenient USB charging port. And because its Link2Cell, you can answer your cell phone calls on your Panasonic home phone handsets without draining your cell phone battery.

Text Message (SMS) Alert
Never miss a text message again. The Text Message Alert feature notifies you of received text message on your cell phone through an alert on your cordless handset when your cell phone is synced to the base unit.

Enhanced Noise Reduction
Enhanced Noise Reduction not only suppresses background noise but also enhances your voice at the same time. Which means the next time your teenager calls you from a concert, youll actually be able to hear him.

DECT 6.0 Plus Technology
If youre looking for superb sound quality and long range, look no further than the DECT 6.0 Plus technology in Panasonic cordless phones. Thanks to error correction up to 80x, you get clear transmission even with extended range. Engineered to work in 1.9GHz frequency, our DECT 6.0 Plus phones won't interfere with wireless devices such as routers, wireless keyboards and microwave ovens. Whether you use them in the basement or the backyard, our phones truly go the distance.

Answering Machine with Message Forwarding
Thanks to advanced answering machine functions, you can get messages wherever, whenever. At home, the base unit will beep to alert you to a message. And on the road, the phone will send a message to your registered cell or work phone.

Talking Caller ID
Hear whos calling from across the room. The Talking Caller ID feature uses text-to-speech technology, announcing the callers information in between rings.

Intelligent Eco Mode
With the Intelligent Eco Mode, when you use the handset closest to the base unit, youll automatically lower power consumption. This not only extends available talk time but also prolongs battery life. Which means less frequent charging and in the end, fewer batteries in landfills.


Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day Panasonic

http://electronics.woot.com/offers/panasonic-link2cell-3hs-or-5h...
Daily Deals

woot! Coupons
g: 0 Posted By: Xenocrates
Views: 69 Replies: 0 648-Ct Huggies Simply Clean Fragrance Free Baby Wipes Refill- $9.37 w/ S&S AC FS @ Amazon

Note:For those new to these Amazon "coupons" the "clip coupon"button islocated on the product page a few lines under the price.

$11.97 - $2.00 clip coupon - %5 Subscribe & Save = $9.37 w/ free shipping (Free shipping comes from the subscribe and save option.)

Forhands, face and bottom
Fragrance-free (unscented)
Resealable closure to keep your baby wipe supply fresh and moist
Packaging may vary from image shown

4 / 5 stars with 710 customer reviews.
Baby Deals

Amazon Coupons
g: 0 Posted By: frankfrankscherer
Views: 172 Replies: 1 Enter coupon SF4CG4W4 (for two colors) at checkout for $10 off from $32.99 to $22.99. Time limited deal!
Product Link: http://www.amazon.com/dp/B00F3T0DLE

I use this speaker when working around the house. Sync it up bluetooth to my phone and let it do its thing. I was wary at first about the sound that could come out of a little box but I have to say i'm very pleased with its performance. Takes just a few hours to charge up and the battery lasts a considerable amount of time. Obviously if you're looking for ultra-high quality sound then you need to buy a more expensive speaker, but for the price you can't go wrong with this one.Smilie

Specifications:
Bluetooth Version: 3.0
Working Frequency: 2.4 GHz
Output Power: 3 W
Signal to Noise Ratio: 82 dB
Battery Voltage: 3.7 V
Charging Voltage: 5 V
Battery Charge Time: ~2 h
Bluetooth Working Distance: 30 ft
Playtime: ~4-6 h, depending on the volume
Headphones & Speakers Deals

Amazon Coupons
Help with buying Honda CRV EX 2WD
Added on : Tuesday June 17th 2014 11:00:07 AM
g: 0 Posted By: mpennyranger
Views: 6 Replies: 0 Hi!
I am in the market for a new car and have pretty much settled on the Honda CRV EX 2WD, although I will be going in this weekend to test drive and nail down my preferred features, color, etc. I was planning/hoping on negotiating the car price down as low as possible, and have read lots of websites for advice (including this super helpful thread:http://www.fullofdeals.com/forums/finance/1001920/?start=0)

I was hoping that anyone with more experience could help me nail down the specifics for my purchase, particularly timing. I would like to get it sooner rather than later, but I am not in a super rush--so waiting an extra month or two to save $100 wouldn't be worth it to me, but it would be worth it to save $500+. I will be paying in cash, so financing deals aren't useful to me--although I would consider a 0% financing deal, although that is not available right now from Honda (I also have very good credit). I plan to solicit bids via email, since I feel better/more confident negotiating on email than over the phone or in person, although if need be I can make a few calls for the final round. I am in Los Angeles, and am willing to drive probably up to 50-75 miles for a great deal, but there are also tons of dealerships in the area.

The bottom line to me is the price, and I am sure everything else (day of pick up, color, miles) is negotiable within reason. I am willing to go for 2014, and probably even 2013 (if it is around somewhere but still new).

So, help me please! My main questions are:
1) When should I aim for closing this deal? Fourth of July weekend? Labor Day weekend? Before the 2015s are released? After?
2) Where can I find the accurate Invoice price? (or does anyone know what this is for the Honda CRV EX 2WD?)
3) Where can I find information on the amount of dealer holdbacks? (or does anyone know what this is for the Honda CRV EX 2WD?)
4) Should I get the dealer to order it for me from the factory? (I have heard this is a good method b/c its like a "free car" for the dealer, since they don't have to use any of their floorspace to sell, so any sale even with minimal profit, is good)
New User Question Deals
g: 4 Posted By: Mr0ffic3r
Views: 275 Replies: 5 Expecting lots of red, and its OK. My name is Mr0ffic3r and I was a deadbeat, I admit it. College and the whole being invisible in your 20s got the best of me. For the record, I am no longer a dead-beat. You guys (FWF) have put me on the right side of the road. As you will read below, I tried to make this right. But sometimes 'right' is not the correct thing to do for my family.

2000-2004 I took out 70kish in college loans. $55k of it Private Alternative Loans. By Private I mean from a major Bank and the note was not guaranteed by a non-profit group. Essentially, just a regular loan, but an educational loan on credit reports. Also, my mother was a co-signer.... don't ever co-sign, anything!

I defaulted in 2005 only on the Private Loans. My first job $15/hr - Between rent, food, drinking, car, there was nothing left for School Loans. My Federal Loans (Perkins/Stafford/etc) I paid off quickly since I knew Federal Loans are no joke. For the Privates, they (The Original Creditor) called a few times, I never picked up to talk. They sent a few demand letters, I never took any action and apparently neither did they.. Calls/Letters stopped in mid-2006.

My credit was trashed (my moms too) - low 500s. She made as much as I did at the time, single mom supporting my younger brother, so no way she was able to pay the loans.

Fast-forward to 2009. Calls/letters start coming in again. This time not from the Original Creditor (OC) but from a Collection Agency (CA) This time a little older and wiser (Thanks FWF) -I take action. First thing I did, sent a Certified/Return Receipt Letter telling them to stop calling and validate the debt. They listened, not one more call, and not another letter. They never validated. Why couldnt they send a copy of the promissory I signed that I had in my hand?

Fast Forward to 2012. Im making more money, I actually put some away if they were to come after me. Credit Reports say Loan is over $70k now, charged off, and still owned by the Original Creditor. To make things right, I call the OC and speak with their collections department. Right away are willing to settle the debt for $35k-ish. Settle?A Student Loan? Why YES please! I ask for the 'settlement agreement' in writing so I know they won't come after the rest (or sell it), and that the lates/charge-offs/etc are removed my credit report if possible. Mind you, this is from a top 5 Bank.

All they had to do was send me that letter, instead, I was informed that We are not secretaries and dont send letters. I was flabbergasted. The agent said my credit report would be marked as 'PAID' for this loan. I mention to him that in a few months, this loan will fall off my credit report, and if they are unwilling to remove the negative the marks, just leave the report as is. DONT TOUCH IT as I dont want it re-aged. NOPE, they cant do that either. They have to report it as 'paid.' I explained to the agent, 'why would I pay if this will haunt me for another 7.5 years.' If I dont pay, it will fall off CR in a few months. There was silence, he put me on hold to talk to his management, came back and said, You are right, nothing we can do. I told them I will consider their offer and we ended the call.

Havent heard a peep since (been almost 2 years).

All the loans came off my (and my moms) credit report. Credit Scores went up 200+ points to the high 700s . I am in a state with a 5 year Promissory Note - Statute of Limitation (SOL). My main concern was that the promissory note states that Ohio laws will govern the loan, and Ohio had a 15 year SOL on a promissory note. However, that state recently passed (and implemented) legislation to decrease that to 8 years, and it applies retroactively.

I consulted with 2 NACA attorneys, and both said my states SOL would apply anyways if they were to pursue. My state is where the loan was disbursed, where I have always lived, and where the promissory note was signed. But under both states now, I am out of SOL. All I read online is doom/gloom regarding Student Loan Default, and on how it will haunt you forever, garnish your wages/SS, tax refunds, etc. This is still on the back of my mind, but I'm starting to think it's not very likely they can legally collect on this loan now. What does the FWF collective think of this?


Now, why did the OC not pursue this hefty defaulted loan, especially since there were 2 people to sue/collect from? Remember, this was an 'alternative plus' loan not backed by any government entity. It does not show up on any government student loan database. I highly doubt this was a $70k 'oversight'. I pretty much walked to up to their door, with a check for $35k. All I wanted was a receipt, they couldn't give me one. What gives?


To the Obligatory 'Pay Your Bills Deadbeat' posts I see in my future... is 'I Tried/Wanted To' an acceptable response?
Personal Finance Deals
Toshiba 3TB HDD $99.99 @ MicroCenter $5.99 shipping or free pickup
Added on : Tuesday June 17th 2014 10:00:05 AM
g: 0 Posted By: BloodyInsane
Views: 209 Replies: 0 Linky

Toshiba PH3300U 3TB Drive, $99.99 at MicroCenter.

Lowest Price I've seen in a few months. Great drive. I've had one for about a year as a backup drive in a 24/7 server.

Normal Prices:
$129.99 @ Newegg
$110.99 @ Amazon
Hard Drives Deals
g: 0 Posted By: badsister
Views: 314 Replies: 0 Freedompop PHOTON PLATINUM (newest model) $19.99 (price includes activation).
NO OTHER FEES unless going over 500 MB.First month of 1 GB free.
New unit, not refurbished.

To get deal, MUST CALL Freedompop (877.848.2810) direct. Deal is not available on Freedompop site.
Photon is $89.99 on site, so this is a huge savings.

NOTE:
So you dont get stuck with $9.99 month upsell of AutoTopOff & SpeedPlus, you must deactivate Freedompop Premier service within 30 days.
To do so, go to accounts > services see very very bottom of page in tiny print to deactivate.
Also, must deactivate Auto Top off. Go to accounts > billing > uncheck auto top off.Ive read online about deposits.

They no longer take depositsone must only purchase the device so if you stay under 500 MB/month, only cost is $19.99.

per confirmation email:
Your Package Details
Due Today: $19.99
First Month Service Cost: $0.00
Data Plan: Free 500MB ($0.00)
Device: Freedom Spot - Photon Platinum ($0.00)
Device Deposit: $0.00
Shipping Option: Free ($0.00)
Additional Services: Freedompop Premier Free Trial ($9.99 after first month) (I opted out)


500 MB of data: Its hard to give an exact figure as web pages differ substantially in size. Some sites are incredibly simple (mainly text with a few images), others are complex (with photos & videos embedded which increases data consumption).
500 MB allows for any 1 of the below (or a combo or a lesser usage) Accessing Web Pages 900 pages .6 MB per web page (600 KB)(35 MB per hour of web surfing) Rich e-mail (with attachments) 1,000 .5 MB (500 KB) Downloading/streaming music 100 songs 5 MB per song Downloading/streaming video 1 hour 500 MB per hour Skype voice call 15 hours 35 MB per hour Skype video call 2 hours 240 MB per hour Listening to online radio 8 hours 60 MB per hour Downloading/updating apps 40 apps 13 MB per app

Services Deals

FreedomPop Coupons
Free Advance Screening of HBO's new series - the leftovers
Added on : Monday June 16th 2014 06:00:11 AM
g: 0 Posted By: remick
Views: 149 Replies: 0 https://usscpromotions.com/ew/theleftovers_screening/

Atlanta
Chicago
Dallas
Houston
Minneapolis
San Francisco
Seattle
Washington DC
Totally Free Deals
Using Enterprise discount codes FYI
Added on : Monday June 16th 2014 02:00:11 AM
g: 0 Posted By: JiggleTheHandle
Views: 40 Replies: 0 General FYI... I never saw this before, and I have been using Enterprise for years...

Started the booking process with no corporate account ID and no coupon, and it gave me $290 for a weekly rental.

Put in some corporatediscount codes, and the price increased by varying amounts to as much as $329 for the same car and time. Some codes decreased the $290 by a few dollars.

Anyway, this is the first time I have ever seen using a code INCREASE the cost from a base no-discount-code price.

I would suggest starting your booking in one browser with no codes,see what the base prices is and keep it active (Enterprise.com has a timeout limit), while using a different browser totest out codes.
General Discussion Deals
g: 0 Posted By: remick
Views: 77 Replies: 0 http://www.amazon.com/dp/B007RP547K/

4.7 out of 5 stars (56 customer reviews)

Using the correct aperture is vital if you want to put "SHAZAAM!" into your photography!

Sure, it controls the amount of light getting into the camera and is a key to proper exposure, but it is soooo much more! In fact, if you are creative at all, aperture will be your closest friend.

That is, it will be your friend IF you know all the creative options that the right aperture settings bring to the table - and how to manipulate them to get your creative vision out of your mind and into the camera.

For some reason, understanding aperture is one of the most difficult of photo concepts for many amateurs to "get." With this easy to read and easy to understand guide, you are literally minutes away from understanding aperture as well as or better than most professionals.

In a matter of hours your mastery of apertures will not only show in your photos...but people WILL notice!

Here is a bit of what is in this On Target Photo Training volume...

Introduction - Here we do a quick review of Volume 3 - Mastering Shutter Speed. Understanding shutter speed and aperture settings is truly the only difference between your photos and the best professionals!

The Aperture - In this and the next few chapters we break down apertures into easy to digest and understand pieces. You will NEVER be confused again!

Movement Or Static - Here we start getting into the creative options that are available to us and how to manipulate the aperture settings to get them...

The Sweet Spot - Most lenses have a sweet spot when it comes to the aperture settings...learn how to get great photos without spending tens of thousands of dollars on expensive lenses.

And more...And more...And more...

Sorry, but once you learn the creative magic in your aperture - all your friends are going to be bugging you to teach THEM how to get photos like YOURS!
Totally Free Deals
g: 0 Posted By: bittul
Views: 114 Replies: 0 www.childrensplace.com

use code: FORTY3

Free Shipping is automatically applied. No additional code needed

Many great deals (especially in the clearance section).

~~~~~~~~~~~~~~~~
On a side note, I find it quite odd that they've been running these "Crazy" sales back-to-back during the past few weeks... Are they trying to increase their "revenue" at all costs?
Kids Clothes Deals

The Childrens Place Coupons
Is Buying A Condo Ever a Good Idea? When?
Added on : Sunday June 15th 2014 06:00:08 PM
g: 0 Posted By: robronson
Views: 16 Replies: 0 We know that in general, buying a condo is a terrible idea. a few highlight bullet points:

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

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

Tell me, FWF, when does buying a condo make sense?
20% off all "hair care" @ Drugstore.com
Added on : Sunday June 15th 2014 08:00:02 AM
g: 0 Posted By: bittul
Views: 36 Replies: 0 Click link below to activate.

http://www.drugstore.com/templates/featured/default.asp?catid=33...

Shipping is free with Shoprunner (most items) of after $35.

I'll try and post a few nice deals as I find them, just note that the promo is once per account.

Here are a few for starters (all with Free Shoprunner shipping):

Studio 35 Beauty, set of 12 Hair Elastics and 12 Headwraps: $0.71
http://www.drugstore.com/studio-35-beauty-hair-elastics-and-head...

Vidal Sassoon Pro Series Waves Hair Primer Spray (5.07 fl oz): $1.11
http://www.drugstore.com/vidal-sassoon-pro-series-waves-hair-pri...

TRESemme Flawless Curls, Bouncy Curls Defining Gel (8 oz) $1.88
http://www.drugstore.com/tresemme-flawless-curls-bouncy-curls-de...

Aussie Daily Clean Shampoo (13.5 fl oz): 4 for $6.48
http://www.drugstore.com/aussie-daily-clean-shampoo/qxp457706?ca...
Fit Flop Walkstar lll Sandal $36 with FS @ Amazon
Added on : Sunday June 15th 2014 04:00:03 AM
g: 0 Posted By: Deals4mykids
Views: 108 Replies: 0 Amazon has a great sandal sale. Fit Flop Walkstar 3 sandals are on sale for $47 (reg. $75.)
Use code JUNSAN14 for 25% off, bringing the price down to $36.
Dark blue and pink are a few dollars more.

http://www.amazon.com/FitFlop-Womens-Walkstar-Nubuck-Everglades/...




Shoes Deals

Amazon Coupons
Chuck E. Cheese: Free Tokens For Reading! with pizza purchase
Added on : Sunday June 15th 2014 03:00:05 AM
g: 0 Posted By: puggle
Views: 173 Replies: 1 Chuck E. Cheese's was founded by Nolan Bushnell (founder of Atari & Pong), in May 1977. The first Chuck E. Cheese's was located on Winchester Boulevard, in San Jose, California. The concept for Chuck E. Cheese's evolved from Mr. Bushnell's belief that there were not enough places where young people could go to play video games that had a family atmosphere.In 1984 the parent company to Chuck E. Cheese's, Pizza Time Theatre Inc. was purchased by their direct competitor at the time Showbiz Pizza. A few years later it was decided to change the Target audience to focus specifically on families with young kids. Both the Chuck E. Cheese's and ShowBiz names continued to be used until 1992, when Chuck E. Cheese's Pizza became the name for all of the restaurants.Today, their mission is simple, bring families together in a wholesome environment for fun, games and kids. Chuck E. Cheese's consists of over 500 entertainment centers in 48 states and 6 countries.Print and redeem the certificate and get 10 free tokens for summer reading. No more than 1 of any free token offer can be used per child, per day. Only at participating locations. Pizza purchase is required.Offer expires 12/31/14.
http://www.swaggrabber.com/freebies-all/chuck-e-cheese-free-toke...
Food & Grocery Deals
Chuck E. Cheese: Free Tokens For Reading!
Added on : Saturday June 14th 2014 07:00:12 PM
g: 0 Posted By: puggle
Views: 43 Replies: 0 Chuck E. Cheese's was founded by Nolan Bushnell (founder of Atari & Pong), in May 1977. The first Chuck E. Cheese's was located on Winchester Boulevard, in San Jose, California. The concept for Chuck E. Cheese's evolved from Mr. Bushnell's belief that there were not enough places where young people could go to play video games that had a family atmosphere.In 1984 the parent company to Chuck E. Cheese's, Pizza Time Theatre Inc. was purchased by their direct competitor at the time Showbiz Pizza. A few years later it was decided to change the Target audience to focus specifically on families with young kids. Both the Chuck E. Cheese's and ShowBiz names continued to be used until 1992, when Chuck E. Cheese's Pizza became the name for all of the restaurants.Today, their mission is simple, bring families together in a wholesome environment for fun, games and kids. Chuck E. Cheese's consists of over 500 entertainment centers in 48 states and 6 countries.Print and redeem the certificate and get 10 free tokens for summer reading. No more than 1 of any free token offer can be used per child, per day. Only at participating locations. Pizza purchase is required.Offer expires 12/31/14.
http://www.swaggrabber.com/freebies-all/chuck-e-cheese-free-toke...
Food & Grocery Deals
g: 9 Posted By: ltcm
Views: 4285 Replies: 83 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, and new properties in the range of (EDIT) $600K - $1M+ that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new, but this particular street skews toward older properties). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. This is one of the larger lots in the neighborhood -- many of the others are only 1/2 of an acre, so this is nearly double.

If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new properties. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

UPDATE with inspection photos below, thoughts welcome.

Real Estate Deals
Alameda county fair free ticket
Added on : Friday June 13th 2014 09:00:03 PM
g: 0 Posted By: hustla
Views: 82 Replies: 0 Alameda county fair free ticketFree tickets to alameda county fair.

I did a few of them for the whole family.


"Our Friday Freebie is a HUGE one! We're teaming up with our friends at LocalGrv to give One FREE Fair ticket to Every Facebook Fan! Click Here to get your Free Ticket"
<<<https://www.facebook.com/alamedacountyfair?v=app_219252744795960&rest=1>>>
g: 0 Posted By: Muniee
Views: 76 Replies: 0
Citibank - My jobs direct deposit goes here. (My Primary Account)
Charles Schwab w/ Brokerage Account - 15% of my paycheck goes here (I think im creating an emergency fund here)
My local credit union - currently no money in this account (opened for lack of fees,and wanted a credit card from them but didn't get approved soit's just sitting.)

Few ?'s:
1. I want to start putting 15% of my paycheckinto a ROTH IRA, but i'm not sure whether I should have an emergency fund before contributing into a ROTH IRA...does it makes sense to open a ROTH IRA with Charles Schwab or are there better ones?
2. Should I just direct deposit all my money in Charles Schwab Checking Account, create an emergency fund with a charles shcwab savings account if they offer that,have a ROTH IRA with Charles Schwab,and close out my Citibank and CU account?
3. The citibank points are enticing, but is it worth it?
Question Deals
Is there a way to game auto loan ?
Added on : Friday June 13th 2014 09:00:15 AM
g: -1 Posted By: vistaluck
Views: 306 Replies: 6 Ok so I want to buy a car from private owner but I don't wanna pay the sales tax on it. Lets say the car is listed $15,000. I just wanna pay $15,000 alone no sale tax. However, base on what I heard the lean holder will be the bank and it will have to go through DMV to put the lean holder name on it. I have sold cars before and I know that if I write it down as a gift and the buyer will not pay tax on it. That was all cash deal though and I write the new owner name on pink slip. In my case, I can't write my own name on it. So is there a way work around it. Or just game the system by going through a few more steps. Can I take a personal loan first to pay the seller and then re-faience the car with the bank. What smart ways you guys can think of ?
Credit Deals
Bon-Ton Coupon: 20% Off Yellow Dot Clearance
Added on : Friday June 13th 2014 04:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 125 Replies: 0 Bon-Ton is offering an Extra 20% Off Yellow Dot Clearancewith coupon codeDOTSALE14JU. Expires 6/15/2014. Select ties and men's dress shirts are as low as $7.99.

A few notables:

Izod Men's 'Dogwood' Plaid Silk Tie-$7.99
Calvin Klein Men's Flannel Heathered Striped Silk Tie-$7.99
John Bartlett Statements Men's Grey Check Dress Shirt-$7.99
MICHAEL Michael KorsMen's Blue Stone Dress Shirt-$7.99
Lumix zs20 camera - used- few at $105-108 on Amazon
Added on : Friday June 13th 2014 03:00:03 AM
g: 0 Posted By: FW10001
Views: 194 Replies: 0 Used from Amazon Warehouse, with 4 showing as of posting this:
Good luck!

I have its sibling the zs19 (lacks GPS) and am very happy with it.
Cameras Deals

Amazon Coupons
Refinancing from 15 year loan to 30 year loan?
Added on : Friday June 13th 2014 12:00:05 AM
g: 0 Posted By: RagingBull
Views: 33 Replies: 0 Question regarding mortgage. I am not sure if it is still good idea for me to refinance. Right now I am paying 4.5% for 15 year loan
If i am qualified and able to get a 30 year loan for 3.5% with no points, and I continue to pay the same amount that I am paying now
should I refinance or not? My balance now is about $310,000, I borrowed $400,000 a few years ago
Personal Finance Deals
g: 0 Posted By: j129
Views: 105 Replies: 0 A little backstory.
I am a foreign Medical graduate with a green card (will get my citizenship later this year).
I've decided that I don't want to pursue medicine as a career. I want to try something Managerial and based on research, have decided to do a Masters in HealthCare Administration.
All that I've read, seems to say that this is a growing career path with a lot of potential.

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

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

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

My questions.

1. Is financial aid taxable?

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

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

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

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

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

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

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

Thank you.
Personal Finance Deals
g: 0 Posted By: serenity22
Views: 92 Replies: 0 Perhaps the bestAccutire out there, at neara historic low price.

At $7.99, I grabbed it and did not wait for the price to go down by another few pennies.


Measures tire tread depth from 0-19/32 inches
Measures air pressure up to 99 PSI
Read tread depth from 1/32 inches
Color bar lights to indicate when the tire needs replacing
Easy viewing extra large digital display


FSSS and Prime eligible.
Tools & Automotive Deals

Amazon Coupons
Refinance for mom
Added on : Wednesday June 11th 2014 03:00:13 PM
g: 0 Posted By: corpse101
Views: 143 Replies: 1 Been around for a while here on FW, but mostly stuck on the deal side of things and never ventured to the finance side of things, but I figured this may be a good place to get a few ideas.

My situation is this, my mom is paying her current mortgage and thinking about doing a refi, but she is as clueless as I am about where to get best rates (read: avoid getting screwed). She currently owes about 106k on the house with a current fixed rate of 5.5%. She works for the county and has been hit with quite the bit of furloughs so she is looking for a lower payment, though I am trying to save her money overall by combining a lower interest rate with the same or slightly lower payment.

Are there good places to seek the refi over others? I was wondering is there a good place(s) and I have been reading and googling as I am very green when it comes to mortgages/refis so any info will be helpful to get me started.

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

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

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

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

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

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

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

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

Any advice on how to approach this is appreciated. It may be a few weeks before I know how serious the potential buyers are - but I'd like to be prepared when that time comes.
Personal Finance Deals
g: 0 Posted By: jskins
Views: 2 Replies: 0 Kids' & Babies' MLB Gear From $5.00 with Free Shipping for Rewards Members (Free Membership) at Fanatics.

Choose from creepers, t-shirts, jerseys, jackets, socks, and more for kids, toddlers, and infants.

A few notables:

Majestic Houston Astros Infant My First Tee T-Shirt in Brick Red (Sizes 12-24-months): Originally - $11.95 Now - $4.99.
Majestic New York Yankees Preschool Girls Pink 2-Piece Team Wind-suit (pictured): Originally - $29.95 Now - $19.99.
Majestic Philadelphia Phillies Youth Replica Jersey in White Pinstripe (Sizes 8-18/20): Originally - $49.95 Now - $29.99.


Note: 3 day shipping is free for Fanatics Rewards Members. Receive 5% Fan Cash merchandise credit on orders over $50, and 10% Fan Cash on orders over $100.
Returns are also free for new members.
HOT at Safeway Save $3+ Pay just $5.00 Yuban/Maxwell House
Added on : Wednesday June 11th 2014 08:00:36 AM
g: -7 Posted By: yesidonoitall
Views: 920 Replies: 15 EDIT:
This alert is only for those who know coffee prices.....
Apparently most do not....
==================================================

"Friday only" in Southern Oregon at Safeway, maybe elsewhere in the US...
For their $5 Friday deals.....Yuban or Maxwell House 29 to 31 ounce size
This is too hot for the Grocery forum, but it will probably get moved there....

Easy PM at WM and Target





In Store Promos Deals
Quicken Will Maker 2014 $25.79 NOLO.com Ends 6/18/14
Added on : Wednesday June 11th 2014 07:00:26 AM
g: 0 Posted By: yamafx4dude
Views: 266 Replies: 1 http://www.nolo.com/ hasQuicken WillMaker Plus 2014.$25.79 after using discount code FATHER. (Regular price is $42.99) This is the download option. The CD version will cost a few dollars more. DOES NOT WORK WITH MAC.

Promo Code works with other software as well.

Promo Deal:Make this Father's Day special with gifts that he will love! Father's Day is the perfect time to show your grandpa, uncle, and all fathers out there how much you truly appreciate everything he does, and Nolo is proud to help you along the way.Use Promo Code FATHER** This discount price is good through Wednesday, 6/18/2014. This online offer cannot be combined with other special offers or coupons from Nolo. It also cannot be used by 1) trade, library or academic sales accounts, 2) other resellers, 3) or in the Nolo Outlet Store. Not Valid for Nolo's Online LLC, PPA, Trademark products. Our products are covered by our "no hassle" return policy.
Quicken WillMaker Plus 2014Product Details:
-----------------------------------------------
Quicken WillMaker Plus 2014
Nolo's #1 bestseller!

August 2013, 2014 Edition
File type: Windows Only - CD or Download

If you have an old version of WillMaker, upgrade it with the new 2014 version.

Make a customized estate plan with these essential legal documents:

Will
Health Care Directive
Durable Power of Attorney
Executor Documents
Final Arrangements
and more for you and each of your family members!
Plus, after installing your software, get one free activation of a new Nolo's Online Living Trust, a $59.99 value!

This program is not Mac compatible. Please use Nolo's Online Will if you have a Mac.
Save more on Quicken WillMaker Plus with Nolo's Estate Planning Bundle

Software Deals
Pid (PC - Steam) FREE! - Requires Facebook.
Added on : Wednesday June 11th 2014 06:00:06 AM
g: 0 Posted By: Deals4mykids
Views: 239 Replies: 0 PC Gamer is giving away 100,000 copies of Pid for steam for free (reg. $9.99). Just started a few minutes ago so there should be plenty still available.
Hurry!!
http://www.pcgamer.com/2014/06/11/we-have-100000-copies-of-pid-t...
Video Games Deals
Free WordPress Plugin - Create WordPress Dashboard Video
Added on : Wednesday June 11th 2014 05:00:13 AM
g: 0 Posted By: jhall1822
Views: 74 Replies: 0 If anyone has a WordPress site here's a cool plugin that I have been using for a few days. It works rather well and you can't argue with free! The plugin allows you to create dashboard videos for any members of your website. Here's some of the features from the site:Features:

YouTube videos supported (public access)
Vimeo videos supported (public access)
Videos hosted on Amazon S3 supported
Up to 90 videos per plugin you create (10 modules think of these as categories and 9 videos per module)
Advertising leader board banner option you can use to advertise other products or promote your website inside the customers WP dashboard
Customizable backgrounds (color options)
Customizable thumbnails for each video as an overlay
Lightbox display of the videos
Customizable dimensions of the lightbox display

http://www.marketingbasics.org/private-label-rights/free-plr-wordpress-video-tutorial-plugin/


Totally Free Deals
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/gp/product/B00AKBIJ16
4.7 out of 5 stars (21 customer reviews)

Using Photoshop, Photomatix and Topaz Adjust, Blake Rudis, creator of the award winning blog Everyday HDR, walks you through the wonderful world of High Dynamic Range photography. There are many methods that are discussed in Exploring HDR from the typical multiple exposure tone mapped HDR image to the single Raw file technique. Blake gives away many of his secrets in this book with 6 different HDR techniques, 9 HDR post processing techniques, over 130 detailed pictures, and bonus content in every Chapter.

Blake knows the importance of post processing your HDR images and has included several detailed post processing techniques. These techniques include adding depth to your tone mapped photo, combating chromatic aberrations, HDR specific noise reduction and so much more! If you are looking for a highly detailed, tutorial based HDR book, Exploring HDR is the one for you!

Key Highlights of Exploring HDR:

*Designed for Beginner to Advanced skill levels
*Bonus Content in every chapter
*Downloadable files to follow along with the tutorials on select Chapters
*Step by step tutorials to help you better your HDR photography



The DSLR Survival Guide: A Beginner's Guide to Surviving Digital SLR Photography
http://www.amazon.com/DSLR-Survival-Guide-Beginners-Photography-...
Did you recently buy a new DSLR camera, but have no clue how to use it?
Have you owned a DSLR camera for quite some time and still find yourself shooting in Auto Mode?
Do you find yourself scratching your head at all of the terms in your Owner's Manual?
If you answered yes to any of these questions, the DSLR Survival Guide is the beginner's book for you. Blake discusses everything DSLR related to help you breakdown that awful communication barrier between you and the language of your DSLR camera. Follow along with the information in this guide and you will be producing better photographs in no time! For less than the cost of a fast food meal you can be learning about your DSLR camera!

Photo Composition
Aperture
Shutter Speed
ISO
Camera Modes
Image File Formats (RAW, JPEG)
Lighting and Light Sources
Lenses and Lens Selection


A Beginners Guide To DSLR Photography - How To Create Stunning Digital Photography Like A Pro
http://www.amazon.com/Beginners-Guide-DSLR-Photography-Stunning-...

So you just got that new DSLR camera or you are planning on getting one shortly. Maybe photography has always been a small passion of yours and you finally want to take the leap and start taking amazing photographs using a DSLR camera. Where do you even begin when you get one? What are the basics you should know before you attempt to get started? Taking one peak at the owners manual might get your head to start spinning.

Dont worry because we have you covered. We will cover important things like exposure, flash, shutter speed, and aperture to name a few. We will also give you great tips and guidance and even debunk some common photography myths. We will also cover some important questions to ask yourself while you are shooting that will help you start to think like a professional photographer. You are one your way to starting a new hobby that is very exciting and rewarding. We want you to be able to feel comfortable and confident with your DSLR camera so step inside this guide to get started today!



Photo Mastery - Shadows, Form And Texture
http://www.amazon.com/Photo-Mastery-Shadows-Texture-Training-ebo...

Although photography is all about light...it's actually the shadows that define form and textures!

When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!

Here is a copy of the table of contents to show a little of what is covered...

Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo Training

We spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!

Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.

The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!

Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!

The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.

Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.

Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.

You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!



11 Things Every Photographer Should Know About HDR Photography
http://www.amazon.com/gp/product/B00EJZD9BE/

HDR photography can be pretty complicated and if you go into it without knowing what you are doing, you are in for some trouble! "11 Things Every Photographer Should Know About HDR Photography" is something every photographer should read prior to jumping into the world of HDR photography. Blake Rudis has been teaching HDR photography techniques for over 3 years and knows how to make HDR images that pop off the page!

What you will receive from reading "11 Things..." :

- A better understanding of the HDR process and how to create an HDR image using several different techniques.
- A considerable amount of knowledge about file formats used during the HDR process.
- A plethora of examples as to what you should and should not be HDR'ing!
- A worthy understanding of HDR tone mapping software and how to use it to make better HDR images through the bonus content provided.
- A guide to post processing HDR images that outlines what to look out for after the image has been tone mapped to make it look its absolute best!


Books & Magazines Deals
Free Live Stream of the Fifa 2014 World Cup on ESPN
Added on : Tuesday June 10th 2014 08:00:04 PM
g: 0 Posted By: tedhawkins
Views: 146 Replies: 0 Free Live Stream of the Fifa 2014 World Cup on ESPN
http://espn.go.com/watchespn

ESPN is streaming all 64 games from the first kick-off to the finale through its WatchESPN apps, which are available for all phones, tablets and PCs.Users can also access the stream through the http://espn.go.com/watchespn/index?as well as through dedicated apps for http://www.amazon.com/ESPN-Inc-WatchESPN/dp/B00E81O27Y/,https://owner.roku.com/add/watchespn,http://espn.go.com/watchespn/apps,and both the Android and iOS app can https://gigaom.com/2014/06/03/world-cup-chromecast-espn-watchespn/.ESPN will offer these streams in English, Portuguese and Korean, and online viewers will apparently be able to switch between multiple camera angles.However, ESPN only makes these streams available to viewers that pay for TV service and have ESPN as part of their channel lineup. Streams are also limited to customers of pay TV providers that have so-called TV Everywhere deals with ESPN, which includes Comcast, AT&T, Dish and Cox, but not DirecTV and a few others.

Participating Providers:

AT&T U-Verse, BEK TV, BendBroadband, tBright House Networks, Charter_Direct, Comcast XFINITY, Cox, tDISH, Google Fiber, Midcontinent Communications, Optimum, Time Warner Cable,Verizon, Yadtel
Services Deals
HOT HOT HOT Save $3+ Pay just $5.00 Yuban/Maxwell House
Added on : Tuesday June 10th 2014 05:00:13 PM
g: -6 Posted By: yesidonoitall
Views: 535 Replies: 1 "Friday only" in Southern Oregon at Safeway, maybe elsewhere in the US...
For their $5 Friday deals.....Yuban or Maxwell House 29 to 31 ounce size
This is too hot for the Grocery forum, but it will probably get moved there....

Easy PM at WM and Target





In Store Promos Deals
Way TOO HOT for the Grocery forum, $5.00 Yuban/Maxwell House
Added on : Tuesday June 10th 2014 02:00:09 PM
g: -5 Posted By: yesidonoitall
Views: 367 Replies: 0 "Friday only" in Southern Oregon at Safeway, maybe elsewhere in the US...
For their $5 Friday deals.....Yuban or Maxwell House 29 to 31 ounce size
This is too hot for the Grocery forum, but it will probably get moved there....





In Store Promos Deals
Way TOO HOT for the Grocery forum, $5.00 Yuban/Maxwell House
Added on : Tuesday June 10th 2014 01:00:03 PM
g: -2 Posted By: yesidonoitall
Views: 199 Replies: 0 "Friday only" in Southern Oregon at Safeway, maybe elsewhere in the US...
For their $5 Friday deals.....Yuban or Maxwell House 29 to 31 ounce size
This is too hot for the Grocery forum, but it will probably get moved there....





Grocery Deals

Safeway Coupons
Need Small Claims Court advice
Added on : Tuesday June 10th 2014 08:00:33 AM
g: 0 Posted By: a1963
Views: 170 Replies: 6 Summary:
Found a Deck builder on Craigslist
Paid $800 advance as he needed to get supplies
No work done/ lot of excuses/ canceled the work/ no money back/ been few months now

I know I messed up in paying money in advance. I am regular finance forum user/very careful about such matters, (created new alt-id) and I am not sure how I had a lapse in judgement that day.

All I have is a handwritten agreement to do the work and the advance paid.It has a company name & Rural Texas county address.

Found recent reviews online with others having similar experiences with him.

Need advice on next steps. Worth pursuing in small claims court? Thanks for reading.

Personal Finance Deals
Ewave Stainless Steel Countertop Pizza Oven - $19.00 FSP @ Walmart
Added on : Monday June 09th 2014 10:00:07 PM
g: 0 Posted By: Xenocrates
Views: 53 Replies: 0 Ewave Stainless SteelCountertop Pizza Oven- $19.00 FSP @ Walmart

Ideal for cooking par-baked or frozen pizza; fresh dough is not recommended
Large heating chamber is perfect for baking pizzas up to 12"
Chrome wire baking rack and removable crumb tray
Easy-set 30-minute timer with auto shut-off for added convenience
Safety features include a cool-touch handle and skid-resistant feet
Stainless steel body with black accents
Power Rating: 1450W
Product Weight: 12.1 lbs
1-year limited warranty
Dimensions: 15.8"W x 18.9"D x 7.4"H
Ewave Oven Model# EWPZO12ST
g: 0 Posted By: remick
Views: 117 Replies: 0 http://www.audible.com/pd/Fiction/Go-the-F-k-to-Sleep-Audiobook/...

Academy Award nominee Samuel L. Jackson (Pulp Fiction) rocks this mock bedtime story, capturing a hilarious range of emotions as the voice of a father struggling to get his child to sleep.
Go the F--k to Sleep is a bedtime book for parents who live in the real world, where a few snoozing kitties and cutesy rhymes dont always send a toddler sailing blissfully off to dreamland. California Book Award-winning author Adam Mansbachs profane, affectionate, and radically honest verses perfectly capture the familiar - and unspoken - tribulations of putting your little angel down for the night. In the process, he opens up a conversation about parenting, granting us permission to admit our frustrations and laugh at their absurdity.
Beautiful, subversive, and pants-wettingly funny, Go the F**k to Sleep is a book for parents new, old, and expectant. Due to its explicit language, you probably should not play it for your children.
Feel free to share the link to this page with tired parents and other people who could use a good swear and a laugh.
Totally Free Deals
Nest Learning Thermostat (2nd Gen) $229 FSSS at Amazon.com
Added on : Monday June 09th 2014 09:00:04 AM
g: 0 Posted By: Fliptech
Views: 205 Replies: 0 Nest Learning Thermostat - 2nd Generation T200577

Made in USA or Imported
Auto-Schedule - Remembers the temperatures you like and programs itself
Auto-Away - Saves energy by automatically turning itself down when you're away
Remote control - Connect the Nest thermostat to Wi-Fi to control it from your smartphone, laptop or tablet
Easy install - Most people install the Nest thermostat in 30 minutes or less

Not a large drop, but price drops on this thing are few and far between. It's as if the Nest people came straight from Apple (sarcasm intended)

If you bought one recently from Amazon, you can chat w/ them to get some Cash Back.
Home & Garden Deals
How to deal with this insurance claim?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: kubakj
Views: 0 Replies: 0 I am in the insurance claim loop now and looking for some idea how to proceed. I have a condo insured thru Allstate. Condo by-laws require to insure anything inside the apartment. Building has a building wise insurance as well to cover common elements. In January there was huge leak in the building from few floors above during the night into my living room as I was sleeping in the bedroom, so water was dripping like crazy whole night. As a result many my personal items was destroyed/damaged as well as portion of wood floor was damaged and ceiling as well. This leak initiated from one of the condo member and they quick announced that no one made a negligence and we should just ask our insurance for payment. Of course I was pissed as I have $1k deductible and Allstate DENIED reimbursement for my floors and ceiling (two major expenses) damages. I have to change sheet rock for my entire ceiling and few sq^2 of wood floor needs to be replaced. Allstate stated that bylaws says any casualty in the building like that should be covered by building insurance. I asked building management to initiate claim with building insurance, but their agent calls me and says that my responsibility, as others have been paid by their insurances for all damages and I should go back to allstate. I asked him to anything in writing, nothing. After few months now I asked ALL parties to either get paid or denied for the damages and provide in writing why. Building insurance agent is not responding to any phone calls, management and condo board just talked to him and he assured them that will take care of it with Allstate. Building insurance didn't even start any claim and their agent's secretary ALWAYS says he is not available and HE will call me back, but never does.

So now I have damaged floor and ceiling with not my fault and no one wants to talk to me. I didn't go to any lawyer for advice yet, as I don't have much free time for that, but now I am ready to take some action.

Any suggestion how I should deal with it? Also I think I should be responsible for my deductible if leak came from other unit. Its either that tenant should pay for it or HOA for not protecting building system from freezing.

I am just afraid now that in case there was fire or something worse, I will be left with nothing.

NYC condo location.
g: 1 Posted By: st4rdust
Views: 620 Replies: 0 B&H Photo has theX-Rite ColorChecker Passportfor$59.00with free shipping.

4.7/5 stars based on 398 customer reviews. Includes creative enhancement Target, classic Target, white Target, protective pocket-sized case and camera calibration software.

Also positively reviewed hereon Amazon, where this is currently $99.00.

In-Camera White Balancing
Visual Color Controls
Fully Supports the RAW Workflow
Maintain Consistent Color Between Cameras and Lenses
DNG Profiling for RAW Shooters
Multiple Targets in One
Robust Plastic Case
Note that the ColorChecker Passport is not compatible with Hasselblad cameras





"With three photographic targets, theColorChecker PassportfromX-Ritelets you ease your workflow in a variety of ways. A creative enhancement Target allows one-click warming and cooling, and easy evaluation of shadow details. The classic Target is the standard 24 patch for creating DNG profiles. The white balance Target allows for a consistent white point for a series of images, saving the need to correct each one later in your work flow.A protective case keeps your targets safe from damage, and has a built-in stand so you can situate the targets to adjust for any scene. The included software lets you easily build DNG profiles, and profile adjustments can be applied to hundreds of images, allowing hours of manual changes to be completed in a few minutes."
Cameras Deals

B&H Photo & Video Coupons
X-Rite ColorChecker Passport - $59.00 + FS @ BH Photo
Added on : Sunday June 08th 2014 08:00:02 PM
g: 1 Posted By: st4rdust
Views: 182 Replies: 0 B&H Photo has theX-Rite ColorChecker Passportfor$59.00with free shipping.

4.7/5 stars based on 398 customer reviews.

Also positively reviewed hereon Amazon, where this is currently $99.00.

In-Camera White Balancing
Visual Color Controls
Fully Supports the RAW Workflow
Maintain Consistent Color Between Cameras and Lenses
DNG Profiling for RAW Shooters
Multiple Targets in One
Robust Plastic Case
Note that the ColorChecker Passport is not compatible with Hasselblad cameras





"With three photographic targets, theColorChecker PassportfromX-Ritelets you ease your workflow in a variety of ways. A creative enhancement Target allows one-click warming and cooling, and easy evaluation of shadow details. The classic Target is the standard 24 patch for creating DNG profiles. The white balance Target allows for a consistent white point for a series of images, saving the need to correct each one later in your work flow.A protective case keeps your targets safe from damage, and has a built-in stand so you can situate the targets to adjust for any scene. The included software lets you easily build DNG profiles, and profile adjustments can be applied to hundreds of images, allowing hours of manual changes to be completed in a few minutes."
Cameras Deals

B&H Photo & Video Coupons
g: 0 Posted By: DaysFan
Views: 114 Replies: 0 http://weeklyspecials.vons.com/SafewayVons06042014VonsWeeklyAd/breakouts/b1044489_1.jpgyour next shopping trip*GET $10 OFFhttp://www.vons.comwhen you buy $50 or more in participating gift cards** Offer valid 6/4/14 - 6/17/14 *Purchase $50 in participating Gift Cards and receive (1) $10 Catalina coupon, valid on your next qualified purchase of $25 or more. Coupon will expire 7/01/14. While supplies last. No rain checks. Limit one (1) per transaction. Subject to availability. See Gift Cards for details, terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Product may not be available in all states. Online and in-store prices, discounts and offers may differ. **Participating Gift Cards: Bass Pro Shops, Buffalo Wild Wings, Lane Bryant, Red Robin, Domino's, Express, Fandango, Toys "R" Us, Jiffy Lube, TGI Friday's(SM), JCPenney, Sephora, Regal Entertainment Group, Sears, Lowe's, Club Penguin(TM).Price Valid 6/4/14 - 6/17/14
Printable Coupon Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/gp/product/B00KE8QUTS/

Learn a trick to find the day from any date mentally with few easy steps. Perform this simple trick on your friends and amaze them !
20% off all "skin care" @ Drugstore.com
Added on : Sunday June 08th 2014 03:00:08 AM
g: 0 Posted By: bittul
Views: 171 Replies: 0 Click link below to activate.

http://www.drugstore.com/templates/featured/default.asp?catid=33...

Shipping is free with Shoprunner (most items) of after $35.

I'll try and post a few nice deals as I find them, just note that the promo is once per account.

Here's one for starters:
FB Face & Body's Foaming Facial Cleanser, for Normal Skin 2.7 fl oz (80 ml), $0.39 +fs w/Shoprunner.
http://www.drugstore.com/fb-face-and-bodys-foaming-facial-cleans...
Health Deals

drugstore.com Coupons
Your Choice: Beltronics Pro Radar Detector $159.99$239.99 @ Woot
Added on : Saturday June 07th 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 shipping adds $5


If you are as serious about safety as you are about driving, then you need the Professional Series RX65, an advanced radar, laser and safety detector. The RX65 is a breeze to use, and boasts extreme sensitivity to all Radar and Laser bands with over 10 times the range of other detectors.

Superior Detection
The RX65 includes full X, K, SuperWide Ka, and Safety Warning System radar capability, front and rear laser detection, Beltronics' patented Mute and AutoMute, audible and visual band alerts, and all the performance you'd expect from Beltronics. Digital signal processing (DSP) gives you superior long-range ability, along with reduced false alarms. The AutoScan mode can virtually eliminate those false alarms, and provides both Highway and City settings.

The RX65 also features Shadow Technology making it immune to VG-2 radar detector detection, meaning law enforcement can't detect your radar detector, keeping you one step ahead.

Ease of Use
The rugged RX65 gives you control right at your fingertips using the included SmartPlug power cord. Patented Mute and AutoMute technology on the cord allows you to quickly silence alerts. Advanced programming lets you customize several features, and programmable bands let you set the device for your region, including International and North American settings.

Installation is a snap: use the quick release mount to attach it to your vehicle's windshield, and remove it in a snap. Don't want to leave it in your vehicle? No problem, Beltronics includes a travel case to keep it secure while you're on foot.

Ultra-Bright LED Display
Don't miss a visual alert with the RX65's 280-LED display. Exclusive threat display tracks and displays multiple radar signals, including signal strength. Tech Display provides actual numeric radar frequency for any radar signal. You can also view Safety Warning System (SWS) messages about upcoming hazards, construction and more.

How Safety Radar Works
Safety Warning System, or SWS, uses a modified K-band radar signal to alert users of Highway Construction or Maintenance, Highway Hazard Zone Advisories, Weather Related Hazards, Travel Information/Convenience, and Fast/Slow Moving Vehicles. The SWS safety radar system has 64 possible messages (60 currently allocated), all of which can be displayed on your RX65.



Pro GX65 Radar Detector

The Beltronics Professional Series GX65 delivers the best long-range warning on all radar bands including X, K, Superwide Ka, Ku, and instant-on POP. Multiple front and rear laser sensors provide 360-degree laser protection, including the widest field of view. The Beltronics Pro GX65's GPS-powered technology provides permanent relief from false alarms, including automatic door openers, motion sensors, and other radar-based sensors. And, it comes preloaded with thousands of red light and fixed position speed camera locations throughout North America.

Superior Detection
The GX65 delivers the best long-range warning on all radar bands including X, K, Superwide Ka, Ku, and instant-on POP. Multiple front and rear laser sensors provide 360-degree laser protection, including the widest field of view. A revolutionary AutoScan mode provides real-time radar performance based on vehicle speed, plus Highway and AutoNoX settings.
In addition, the new Safety Camera Database provides warning for thousands of locations throughout North America, and web-ready access allows you to update your safety camera data and other software through Beltronics' website.

Excellent Functionality
The GX65's 280-LED text-matrix display gives you easy-to-read messages and visual alerts to match the crystal-clear voice alerts. Simple user programming lets you instantly set several features. Use the optional SmartPlug for instant Mute and AlertLock access.

Installation is a breeze as well. Just use the quick release mount to attach it to your vehicle's windshield, and remove it in a snap. The included travel case lets you pack it up and take it anywhere.

BRT Dark (Full Dark Mode)
In this mode, the display will not show any visual alerts when the GX65 detects signals. Only the audible alert will tell you of detected signals.

Mark Location (MRK)
The "MRK" button allows you to mark a specific location and label it for future reference. Once marked, the GX65 will provide an alert with an arrow indicating the direction of the location when you reach this area again. This can be extremely useful for known speed traps or camera locations that you'd like to remember.

Speed Check
The GX65's Speed Check feature provides a visual indication of your vehicle speed during the first few seconds of an alert. This allows you to instantly check your speed without looking at your speedometer. Speed Check is displayed regardless of your meter setting.

New Variable Speed Sensitivity also provides real-time radar protection based on your vehicle's speed.

Display Safety Radar Messages
Safety Warning System (SWS) uses a modified K-band radar signal to alert users of Highway Construction or Maintenance, Highway Hazard Zone Advisories, Weather Related Hazards, Travel Information/Convenience, and Fast/Slow Moving Vehicles. The SWS has 64 possible messages (60 currently allocated), all of which can be displayed on your RX55's LED display.

http://sellout.woot.com/offers/your-choice-beltronics-pro-radar-...
Electronics Deals

woot! Coupons
HOT - Charles Tyrwhitt shirt + tie $39.99 free shipping
Added on : Saturday June 07th 2014 11:00:03 AM
g: 1 Posted By: mdrollas
Views: 316 Replies: 1 Got this offer from Capitol dealLINK(no referral)

Got my first CT shirt from another deal a year ago on FW. Gotta say you can't beat this deal. High quality shirt, and tie. Both at $40 shipped free is an amazing deal.

They ship from the UK, so it may take a few days to get to you.


Clothing Deals
Does using business card for personal expenses pierce corporate veil
Added on : Saturday June 07th 2014 08:00:09 AM
g: 0 Posted By: ssgcinty
Views: 114 Replies: 3 I have a legitimate long running s-corp business.
To get sign-on bonuses, I have signed up for a few business credit cards.

I plan to use these cards for personal expenses. I won't seek reimbursement from my business. I will pay the credit card company from my PERSONAL checking account.

Will this pierce the so-called corporate veil?

Question Deals
g: 0 Posted By: timothytuxedo
Views: 14 Replies: 0 I'm hoping for some guidance on what my investment strategy should be. Currently a junior officer in the military with no plans to stay in for 20 years (but anything is possible).

My wife also works and has access to a 403(b). We're both young professionals and anticipate we will move into higher tax brackets as our careers progress. Based on my understanding we are eligible to invest in:
-her 403b
-her Roth IRA
-my thrift savings plan (either Roth or tax deferred up to a combined limit of $17,500)
-an additional Roth IRA for me

Right now we're putting $5500/year each in her Roth IRA and my Roth TSP and splitting the rest of our retirement investments between my tax-deferred TSP and her 403b. I didn't realize until recently that we could theoretically invest significantly more in Roth accounts ($5,500 each in two Roth IRAs and another 17,500 in a Roth TSP).

My questions:
-is this in fact the case?
-if so, should we be maxing our all the Roth options before using a tax deferred investment vehicle?

I figure we'll only have access to the Roth for a few years because we'll soon exceed the MAGI for Roth IRA eligibility and the Roth TSP will only be an option for as long as I remain in the military. I don't want to lose the tax break, but most of the research I've done suggests young people in the lower stages of their earning careers (ie us) should take full advantage of the Roth. Thoughts?
g: 0 Posted By: remick
Views: 212 Replies: 0 http://www.amazon.com/dp/B006G2YPFW
4.3 out of 5 stars (121 customer reviews)

Rich in Historical Detail, This Is a Romance that Delivers!An unsolved mystery separates ex-privateersman Captain Brogan Talvis from his lost son--his only living relation, his only family. Shortly before her tragic demise, his wife abandoned their infant to strangers, refusing to reveal the child's whereabouts. Now, three years later, Brogan has discovered the boy at the home of a shipbuilder's daughter, Lorena Huntley.Lorena guards a dark secret about her young charge. She finds herself falling for the heroic captain who has come to claim his newly built ship, unaware his motive for wooing her is to befriend the boy he plans on reclaiming as his own--until the day another's evil deceit leaves her helplessly shipbound, heading toward England.As the perfect opportunity to reclaim his son unfolds, Brogan is haunted by thoughts of Lorena in her dire circumstance, and he is forced to make a heartrending choice between his child and the woman who has begun to capture his heart. But only his unselfish sacrifice can win him the greatest prize of all--love.


Matoula's Echo
http://www.amazon.com/Matoulas-Echo-Richard-Romanus-ebook/dp/B00...

In The Tradition Of Corellis Mandolin And Eleni Comes An Epic Historical Fiction Novel Set In Greece. By Richard Romanus, A Nominee For The Writers Guild Of America Award For Best Original Screenplay.

In the hardscrabble villages of northern Greece, strength is the only measure of a girls beauty. But Maria Christina is delicate, nearsighted, unmarried at 17 already a spinster, in a town with few choices and hopeless. Shes overshadowed by Matoula, the nimble, radiant older sister whom she loves but envies. Worse still, she smolders with shameful desire for handsome, worldly Yiannis, Matoulas husband, a doctor from sophisticated Athens.
Its the bitter winter of 1940, war just over the horizon, the Axis Powers massing to invade. All the able-bodied men have gone to defend the border. The women must supply their food and clothing, their bandages and bullets on foot over mountain trails, by starlight, through deep snow. But only those deemed strong may help. Not Maria Christina. For her thats just another humiliation.
Defiantly, she joins Matoula on a supply run. And then her worst nightmare comes true: it is strong, deserving Matoula who dies. Yiannis is left a widower, torn between commitment to the resistance, where his skills are desperately needed, and responsibility for Zoitsa, the young daughter Matsoula bore him.
War rages on against the Italians, then the Germans, and then heartbreaking civil strife among the Greeks themselves. Conflict burns within Maria Christina and Yiannis, too. They are engulfed by passion, separated by duty to country, bonded by common loss and devoured by Maria Christinas guilt at surviving her more beautiful, capable sister.
A vivid epic of calamity and longing, of modernity vanquishing tradition, Matoulas Echo makes just one fragile promise of redemption in the form of Maria Christinas new awakening.


Michal (The Wives of King David Book #1): A Novel
http://www.amazon.com/Michal-Wives-King-David-Book-ebook/dp/B00B...

As the daughter of King Saul, Michal lives a life of privilege--but one that is haunted by her father's unpredictable moods and by competition from her beautiful older sister. When Michal falls for young David, the harpist who plays to calm her father, she has no idea what romance, adventures, and heartache await her.
As readers enter the colorful and unpredictable worlds of King Saul and King David, they will be swept up in this exciting and romantic story. Against the backdrop of opulent palace life, raging war, and desert escapes, Jill Eileen Smith takes her readers on an emotional roller-coaster ride as Michal deals with love, loss, and personal transformation as one of the wives of David. A sweeping tale of passion and drama, readers will love this amazing story.


The Sentinel
http://www.amazon.com/The-Sentinel-Paul-Bourdon-ebook/dp/B007WYG...

The accidental discovery of a decades old murder thrusts a young American diplomat in modern day Berlin into a terrifying race against time to destroy an underground menace that has lain dormant since the closing days of World War II.
An obscure murder in the last days of World War II, a demonic plot that remains shrouded in time... Either through fate, accidental circumstance, or even the hand of God, a horror begins to surface and unfold. But is it too late to change its catastrophic outcome?


Out of the West
http://www.amazon.com/Out-West-Kevin-Sullivan-ebook/dp/B00IX2ECW...

Out of the West is a compelling work of literary fiction, a war novel that explores the challenges of peace. A gripping historical adventure, it paints a portrait of courage and love in the fatal shadow of global conflict that has spilled into the twenty-first century.
Citizens of Nazi-occupied Greece face daily decisions that affect their freedom and their survival. When music teacher Petros intervenes in a dispute between a Greek woman and a German soldier, he and jazz singer Thea are plunged into the brutal world of armed resistance.
Ian Chalmers, a British agent, lands in Northern Greece, where he joins Petros and Theas network. Never fully understanding his Greek collaborators, he forms a deep bond with them.
In Scotland after World War Two, Ian is alienated from everyday life until he meets Clare, an up and coming intelligence officer. Surrounded by opportunity and courted by influential mentors, Ian and Clare learn that integrity has to be fought for in peacetime Britain just as in wartime Europe.
When Ian undertakes a final mission to Greece, now in the full throes of civil war, the weight of ideology and history descends with sudden force on the small town where former friends and enemies confront one another in a terrifying climax.


The Titanic Plan
http://www.amazon.com/The-Titanic-Plan-Michael-Bockman-ebook/dp/...

TRUE:
100 years ago J. Pierpont Morgan and a group of Wall Street bankers took direct control of the American economy.
100 years ago radical firebrands were conspiring to create a workers revolution.
100 years ago the American government was paralyzed by a bitter political struggle.
100 years ago a great ship sank on her maiden voyage.
They said it was an accident. They said it was an error of judgment.
They were wrong.






Books Deals

Amazon Coupons
ThinkGeek BOGO 50% off Sitewide with F/S over $75 to lower 48 States
Added on : Saturday June 07th 2014 06:00:05 AM
g: 0 Posted By: hillsaphant
Views: 170 Replies: 0 Promotion Code:BOGOMG

I love ThinkGeek and love it when they have this promo. The 50% is taken off the lowest priced item(s). There are a few exceptions (a few swords or statues) that tell you in the product info if they are excluded. Each order is shipped with a coupon for a future purchase. Don't forget FW cash for another 2.5 percent and the ThinkGeek site has Geek points (10 points per $1 in purchase).

http://www.thinkgeek.com/promo-details/20140607_bogo50_freeship_... BOGO 50% Off50% off qualifying merchandise when you also purchase a second item of equal or greater value (multiple units of the same item may all be discounted if there are also the same quantity of other items of equal or greater value in your cart.) Offer valid from June 7, 2014, 12:01am through June 9, 2014, 11:59pm ET. Offer cannot be combined with other promotional code-based offers, coupons or discounts. Gift cards, taxes and shipping and handling charges are not applicable toward the minimum purchase requirement and are not included in the offer. Offer is non-transferable and not redeemable for cash or cash equivalents. No adjustments on previous purchases. Select product exclusions may apply and will be indicated on individual product pages. Other exclusions may apply. We reserve the right to cancel any order due to unauthorized, altered or ineligible use of discounts and to modify or cancel these promotions due to system error or unforeseen problems. Subject to change, including termination, without notice. Use promo code:BOGOMGFree US Ground Shipping at $75+Free US Ground Shipping on any qualifying merchandise purchase of $75 or more. Offer valid from June 7, 2014, 12:01am through June 9, 2014, 11:59pm ET. This offer is only valid to destinations where we ship Ground in the US, which means the 48 contiguous United States (and the District of Columbia). This offer is not valid on orders shipping to PO Box Addresses. This offer is not valid for any other shipping method or destination. Offer cannot be combined with the any other promotional code-based offers, coupons or discounts. Gift cards, taxes and shipping and handling charges are not applicable toward the minimum purchase requirement and are not included in the offer. Offer is non-transferable and not redeemable for cash or cash equivalents. No adjustments on previous purchases. Select product exclusions may apply and will be indicated on individual product pages. Other exclusions may apply. We reserve the right to cancel any order due to unauthorized, altered or ineligible use of discounts and to modify or cancel these promotions due to system error or unforeseen problems. Subject to change, including termination, without notice. No Code Necessary.
ThinkGeek Deals

ThinkGeek Coupons
g: 0 Posted By: remick
Views: 109 Replies: 0 http://www.amazon.com/gp/product/B00IRMVMTQ/
5.0 out of 5 stars (7 customer reviews)

This is a book for people from 9 to 90 who like surprises. And beauty. My intention is to show the beauty in both nature and mathematics, with some surprising connections that will make you stop and think. With this and future books, I want to foster curiosity, particularly in young people who might now see beyond boring or dull school subjects into a new world of science, physics, engineering, and math.
In this book, Grandpa and his grandchildren embark on an adventure into the fascinating connection between nature and a number called phi (ϕ. Phi is also called the Golden Number, the Golden Ratio, the Golden Section, and the Divine Proportion. It is an irrational number, like pi (π, and its value is approximately 1.618.
One of the interesting facts about phi is its relationship to the famous Fibonacci series and to the beautiful logarithmic spiral, one of the most beautiful shapes in nature. Grandpa and the children find Fibonacci numbers in the numbers of flower petals, the number of spirals on pine cones and pineapples, the shape of seashells, the genealogy of bees, how falcons attack their prey, the shape of soccer balls, and more. From the structure of a carbon crystal, to the spiral one sees in distant galaxies, phi is pervasive throughout nature. And over recorded history, it has had an effect on science, religion, astronomy, mathematics, art, and architecture.
I hope that this book results in a few young people realizing that the wonders of nature and mathematics are worth more exploration and that because of that, our society gains a few good engineers, physicists, and natural scientists.
Totally Free Deals
g: 0 Posted By: ShoppingChick
Views: 236 Replies: 0 Puritan's Pride Friends & Family Salehas 15% Off Puritan's Pride Brand Purchases plus Buy 1 Get 2 Free. Also get free shipping. Discount applies in cart and offer expires 6/9/2014.

A few notables:

Puritan's Pride 100- SoftgelVitamin D3 2000 IU(3-pk) - $5.95
Puritan's Pride 60-SoftgelCo Q-10 200 mg (3-pk.)- $28.05
Puritan's Pride 60-CapletsDouble Strength Glucosamine, Chondroitin & MSM Joint Soother (3-pk.)- $14.87

Health & Beauty Deals
g: 0 Posted By: tedhawkins
Views: 176 Replies: 0 Obermeyer Astro Ski Suit (Toddler Girls') $89.99 + $4.99 S/h @ 98main

http://www.98main.com/



Snow can't sneak in when she's wearing the Obermeyer Astro Ski Suit. The one-piece style keeps your little girl completely protected from snow, and the waterproof fabric ensures that water can't get inside. The Astro Ski Suit is also one of the warmest option for kids. There's plenty of insulation to keep the heat turned up and fewer places for warmth to escape. To make it easy to get her ski suit on and off, Obermeyer put a deep zipper down the front. When she grows you can easily extend the sleeve and pant cuffs (you just pull a thread) and squeeze in another season of wear.

Specs:

Fabric Rating: 10K Waterproof / 10K Breathable
Shell Material: 53% recycled polyester/47% polyester ECOlicious fabric with HydroBlock X waterproofing
Lining Material: 100% nylon taffeta lining
Insulation: 120g body/ 100g sleeve/ 60g hood/ 120g pant Permaloft insulation

Features:

I-Grow extendable pant cuffs lengthen by 2" to accommodate growth spurts
I-Grow extendable sleeve cuffs lengthen by 1.5" to accommodate growth spurts
DuroGuard DWR keeps water off fabric surface and resists liquid stains
Deep zipper for easy on/off
Critical seam tape prevents moisture from seeping through exposed seams
Heavy duty YKK zippers won't break
Removable hood for weather protection
Tricot lined hand pockets keep fingers warm
Interior pocket for gear and another for lift pass
Boot gaiters fit around boots to keep out snow
Fleece lined collar and cuffs feel soft against skin
Reinforced inseam, seat, and knees
Scuff guards prevent fraying at the cuffs
Working compass attached for fun
Attached mitten clips prevent lost gloves


Clothing Deals
Disney Store Coupon: Extra 40% off Select Items
Added on : Friday June 06th 2014 07:00:09 AM
g: 1 Posted By: ShoppingChick
Views: 476 Replies: 0 Disney Store is offering an Extra 40% off Select Items with coupon code BONUS40. Get free shipping on orders over $75.

A few notable:

Cinderella,Rapunzel,or BelleSinging Doll and Costume Set- $14.97
Merida Archery Set- $11.97
Doc McStuffins Figure Play Set- $7.50

Toys Deals

Disney Store Coupons
Experience with First Command Financial Services?
Added on : Thursday June 05th 2014 01:00:07 PM
g: 0 Posted By: diffeldoof
Views: 90 Replies: 3 Hello all,

I think this is my first thread in FWF, but I've probably read almost every thread over the last year or so and have learned a lot.

I have an appointment with First Command in a few days to discuss our financial goals and they offer a complimentary financial plan to first-time military clients. I hear they are pretty big but there's nothing in FWF about them... just a lot about financial advisors in general. Does anyone use them and care to share their experience and what to expect?

Generally speaking I'm not really looking for advice on our personal situation, but the background is I have a pretty good idea on what we can do investment-wise from reading all the "I have $50K how should I invest?" threads . My wife won't entertain us investing in anything other than TSP until we speak to a "professional."

I'll post our experience if it helps...
Discussion Deals
g: 5 Posted By: RunningMan
Views: 273 Replies: 4 For those who might be interested, this is the lowest price I have found on this rifle, its a great .22 cal plinker, and it looks alot like the Heckler & Koch mp5.

CDNN has been pretty reliable for me, and I have had no trouble with this rifle since I bought it a few years ago, I wanted once since 2009, when butcherboy first posted it here, and the rifle was
around 500 bucks, (old thread) .



http://www.cdnnsports.com/email-specials/gsg-522-light-weight-22...

GSG 552 LINK

Compare to buds and impact prices:

buds

impact



Plus theres a ton of parts on eBay you can get, to mod or upgrade it that are really cheap:

ebay listings for parts

ebay listing for parts

ebay listing for parts




Guns & Ammo Deals
401k/IRA questions
Added on : Thursday June 05th 2014 10:00:12 AM
g: 0 Posted By: coolcomp
Views: 145 Replies: 6 Changing employers and want to get my 401k out. The best plan as I have researched suggests doing a 401k to IRA conversion. The 401k is managed through a smaller company sponsored firm. Couple of questions

1) Is rolling over to IRA the best option for people on temporary visas (H1). I saw quite a few threads discussing this, but there was no real conclusion I could make out. The general idea has been to maintain a IRA accnt now. And when you immigrate back to your home country (India), convert to a Roth IRA every year upto your std deduction (10.5k now) and then withdraw. Is this right? Will there be taxation in the home country when you withdraw from roth IRA later on?

2) Is backdoor roth conversion a way of avoiding taxes when you convert from IRA to roth?

3) I saw some firms for IRA accounts like Fidelity/Scottrade etc. None of them take any fees for opening and maintaining the account. Is the idea to earn money only from the trades? As of now, want to invest in something safe and leave it for some years like the vanguard retirement 2040 etc. So once I invest into Vanguard 2045, I will pay a one-time commission fee of 5-10$ and that's it?


Investing Deals
Southwest Fall Sale - Through Thursday June 5
Added on : Thursday June 05th 2014 06:00:13 AM
g: 5 Posted By: StartByServingOthers
Views: 1540 Replies: 9 I tried searching the forum, but didn't see any post on this.

Southwest has a fall sale through Thursday.

- As I was booking some complicated international itineraries I noticed some of the prices drop. - At least for my searched only the lowest prices dropped. Tickets that were already at any premium stayed at the same price.
- I did notice a drop in points on some domestic flights as well, but the months I was booking was already at a slight premium, and I noticed very few drops overall. Some months I saw no drop at all.

- I was booking using points but since points are a percentage of actual fare, prices pretty much drop evenly regardless of how you are paying.

-I'm not sure if the 'scary warnings' Southwest gives applies to me since i am booking with points, but I chose to cancel and rebook whether than process a change to the existing fare. I.e. Southwest says the following for international itineraries: If any change is made, then the itinerary becomes non-refundable.
Air Travel Deals
Wells Fargo CC BT to checking!
Added on : Thursday June 05th 2014 04:00:10 AM
g: 0 Posted By: swampwiz
Views: 102 Replies: 7 I was getting ready to ask for advice as to how to do a BT to a debit card linked to a checking account @ TDAmeritrade (which doesn't seem to allow it), but what do you know, Wells Fargo will allow the BT to go into a checking account! Damn good terms too: 4% fee, 0% for 18 months! A few days from now I will be able to get it so that the 18 months end after the cycle in Dec 2015, and thus not have to pay until Jan 7, 2016 which will allow me to access the cash from the Roth IRA conversion basis from 2011 without the 10% penalty to pay it back!

Who needs drugs when one can get the same jolt of euphoria from saving money!
Deal Deals
g: 3 Posted By: remick
Views: 203 Replies: 0 182 Free Things To Do In New York City: The Best Free Museums, Sightseeing Attractions, Events, Music, Galleries, Outdoor Activities, Theatre, Family Fun, ... & Tours In NYC
http://www.amazon.com/182-Free-Things-York-City-ebook/dp/B00JG5I...

WHATS NEW IN 2014

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

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

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

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

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

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

TABLE OF CONTENTS

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



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

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

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



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

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

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

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

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

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



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

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

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

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

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

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

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

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

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

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

Books & Magazines Deals
g: 0 Posted By: tedhawkins
Views: 169 Replies: 0 Louis Garneau Women's CFS-300 Road Shoes $110.49 (reg $299.99) performance bike

http://www.performancebike.com/bikes/ProductDisplay?catalogId=10...

Extra 15% OFF discount seen in cart

Louis Garneau CFS-300 road shoes are the ultimate in customized fit, comfort and power transmission. Just pop these shoes in a conventional oven to soften the heat-moldable uppers, remove the shoes after a few minutes, insert your feet, and secure as you normally would. Shoes adapt to your feet as they cool for a perfectly tailored fit. Carbon outsole, side vents, heel retention, interchangeable insoles and ratchet positioning promote comfort and high-efficiency output.

100% heat-moldable system is adaptive to any foot, user-friendly and can be repetitively molded by conventional household means (moldable at 150 F/65 C)
Exo-Jet carbon outsole with molded arch support blends lightweight comfort and rigidity with incredible power transfer
Patented multi-vent system is integrated into the outsole for excellent heel-to-toe airflow
Varnished microfiber leather and nylon mesh upper delivers lightweight support, continuous air circulation and waterproof protection
Ergonomic, thermoplastic molded toe area with 2 side vents provide excellent protection, ventilation and durability
HRS-100 system reinforced with a 0.6mm membrane maintains heel positioning and offers a secure fit through a reinforced heel retention strap which integrates with the mid-level strap
Ergo Air interchangeable insoles let you adjust accordingly to cold or warm conditions
Laterally and vertically adjustable EVA foam padding integrated with ratchet repositioning for an optimized fit
Position your cleat using the visual display (compatible with Dura-Ace, Time, LOOK and Speedplay cleats)
Includes CoolMax Ergo Air Cool Stuff (blue) and Hot Stuff (red) insoles
Includes toe covers and shoe bag with molding instructions
Shoes Deals

Performance Bicycle Coupons
g: 0 Posted By: emucader
Views: 102 Replies: 0 My local Lowe's has a good number of lighting solutions on clearance right now.Thisanvil pendant light is a great deal and seems to be available in multiple locations in my area. Throw in a few LED light bulbs to push your order over $50 and use coupon code47000LOWES0664S (thanks DizzyT71) to knock off $10.22-in W Anvil Iron Pendant Light with Frosted Shade

Anvil iron finish and modern design will complement many styles
Includes an etched glass shade that is sandblasted inside and painted white
Requires three 100-watt medium base bulbs or CFL equivalents
Simple beautiful way to update your rooms decor


Style Contemporary/Modern Width (Inches) 10.236 Length (Inches) 10.236 Manufacturer Color/Finish Anvil iron Height (Inches) 22.638 Material Mixed material Shade/Glass Type Frosted Bulb Type Incandescent Number of Bulbs Required 3.0 Maximum Bulb Wattage (Watts) 100.0 ENERGY STAR Qualified No Dimmable Yes Type of Hanging Device Downrod

Hanging Device Max. Length (Inches) 50.75 Collection Name Aztec Pendant Weight (lbs.) 22.9278 Color/Finish Family Iron Hardwired or Plug-In Hardwired Mounting Hardware Included Yes UL Safety Listing Yes CSA Safety Listing Yes ETL Safety Listing Yes Lighting Technology Standard Recommended Light Bulb Shape A21 Light Bulb Base Type Medium base (E-26)

Home & Garden Deals

Lowe's Coupons
Roku 1 Streaming Player Black 2710R Refurb $34.95 FS @ Newegg
Added on : Wednesday June 04th 2014 08:00:03 AM
g: 0 Posted By: Farfisa850
Views: 132 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16815328012

Stunning HD video quality. Immerse yourself in the action with rich, vibrant video streaming up to 1080p HD.
Quick and easy setup. Sets up wirelessly in minutes with just a few simple steps.
Electronics Deals

Newegg Coupons
g: 1 Posted By: remick
Views: 157 Replies: 0 https://www.facebook.com/Safeway?sk=app_369491639849879
Dairy Deals
Free mp3 on Google Play - I Hold On by Dierks Bentley
Added on : Wednesday June 04th 2014 06:00:11 AM
g: 0 Posted By: remick
Views: 105 Replies: 0 https://play.google.com/store/music/album?id=B424tpas6lirb7opyzi...
Movies & Music Deals
Economics of Rehabbing a House (i.e., am I overbuilding an old house?)
Added on : Wednesday June 04th 2014 04:00:10 AM
g: 1 Posted By: ltcm
Views: 136 Replies: 10 I'm considering purchasing a house that needs substantial updating to use as my primary residence. The house is on nearly an acre, was built in the 1950s, added on to in the 1970s, and not much has been done since. It appears to be an estate sale, and the property hasn't changed hands in 25+ years. The sellers are asking $290K, and it's only been on the market for a few days. The market around here is really hot right now, but I don't think this property will necessarily be a super hot commodity. I'm prepping an offer around $250K, and would be willing to go up from there, but I'm not sure how high.

The concern I have is overbuilding the house for the neighborhood. The neighborhood is a total mixed bag, but is in a very desirable location. The nearby properties include houses just like this, along with $1M+ properties that were recently build after tearing down the old house and starting over (it's a small neighborhood, these properties are literally three houses down the street and the neighborhood is probably 1/2 old and new). My agent thinks the land is the most valuable part of the property, valuing it at around $200K, but she says she wouldn't personally put any money into this house and would instead tear it down. I don't know if I believe this. If I put a reasonable amount into rehabbing ($50-60K as a ballpark), I think this could easily be a $400K+ property for someone who wants to live in this area, but who can't afford the $1M+ new property. The other potential complication is that another neighborhood is slated to go in across the highway within 3-5 years. My agent thinks these will be $500K-$600K properties, but on much smaller lots. I think, like me, there are people that value a really large lot in a good location, but I've not done something like this before and would like to get some good counsel first.

Any thoughts from all of the real estate pros on here?

Real Estate Deals
How to sit on the sidelines with a 401k?
Added on : Wednesday June 04th 2014 03:00:11 AM
g: 0 Posted By: yorkie345
Views: 59 Replies: 2 I have two 401k accounts, as I left my first job a few years ago. The 401ks are through Fidelity and T Rowe Price. I always keep a watchful eye on the market and was looking into what I could do if the market takes a turn for the worst, as in, pulling out of stocks and just sitting the money in a money market etc. so I don't take a huge loss. Well, I logged into both accounts and went to my options for moving the money into different funds etc. and I see no option of letting the money sit uninvested. Is this pretty typical of company-sponsored 401ks or am I not looking in the right place? I also have a Vanguard Roth IRA that I can move my money into their money market whenever I want. I was hoping for the same thing with my company 401ks.

Don't worry, I'm not going to do it now. The market is still going up and I'm putting 50% of my pay into my 401k
Investing Deals
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B008A2BNFQ

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

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

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

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

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

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

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

Word Count=12,000
=====

TABLE OF CONTENTS

WHATS IN THIS GUIDE
INTRODUCTION
CHAPTER 1: THE PROS AND CONS OF OWNING A SWIMMING POOL
CHAPTER 2: HOW MUCH DOES A SWIMMING POOL COST?
CHAPTER 3: HOW MUCH DOES IT COST TO MAINTAIN A SWIMMING POOL
CHAPTER 4: HOW TO CHOOSE A SWIMMING POOL
CHAPTER 5: HOW TO CHOOSE A SWIMMING POOL BUILDER
CHAPTER 6: POOL WATER CHEMISTRY ESSENTIALS
CHAPTER 7: COMMON SWIMMING POOL PROBLEMS ONCE YOUR POOL IS INSTALLED
CHAPTER 8: DEALING WITH POOL PUMP ISSUES
CHAPTER 9: HOW TO GET RID OF INSECTS IN YOUR SWIMMING POOL
CHAPTER 10: WINTERIZING YOUR POOL
CHAPTER 11: GETTING YOUR POOL READY AGAIN IN SPRING
CHAPTER 12: SWIMMING POOL FREQUENTLY ASKED QUESTIONS
CONCLUSION
FURTHER READING
APPENDIX: POOL FENCING ESSENTIALS
Totally Free Deals
Southwest Fall Sale
Added on : Tuesday June 03rd 2014 05:00:09 AM
g: 0 Posted By: StartByServingOthers
Views: 66 Replies: 0 I tried searching the forum, but didn't see any post on this.

Southwest has a fall sale through Thursday.

- As I was booking some complicated international itineraries I noticed some of the prices drop. - At least for my searched only the lowest prices dropped. Tickets that were already at any premium stayed at the same price.
- I did notice a drop in points on some domestic flights as well, but the months I was booking was already at a slight premium, and I noticed very few drops overall. Some months I saw no drop at all.

- I was booking using points but since points are a percentage of actual fare, prices pretty much drop evenly regardless of how you are paying.

-I'm not sure if the 'scary warnings' Southwest gives applies to me since i am booking with points, but I chose to cancel and rebook whether than process a change to the existing fare. I.e. Southwest says the following for international itineraries: If any change is made, then the itinerary becomes non-refundable.
Air Travel Deals
Free Tenacious Tape Sample
Added on : Tuesday June 03rd 2014 01:00:04 AM
g: 0 Posted By: remick
Views: 52 Replies: 0 https://www.mcnett.com/gearaid/tape-sample

Try it, you'll like it.
Rip in your down jacket? Hole in your tent fly? Leak in your sleeping pad? Tenacious Tape is a do-all repair tape for nearly invisible repairs. Re-position the tape within a few minutes, if needed. The repair becomes permanent after a day.

Sign up and confirm your subscription to the McNett mailing list for a free Tenacious Tape sample patch, then let us know how YOU use Tenacious Tape!
Free Samples Deals
g: 0 Posted By: ctgolfer
Views: 140 Replies: 0 The Roku 3 has been updated to now support YouTube's Channel plus DIAL support, which lets users pair a smartphone or tablet to their YouTube accounts on the Roku 3, and control their YouTube viewing experience including play, rewind, or fast-forward directly from the DIAL-paired device
Over 1000 entertainment channels. Choose from the best selection of streaming entertainment on the planet.
All-new on-screen experience with one-stop search. Fly through channels or search for the perfect title effortlessly.
The fastest, most powerful Roku experience ever.
Remote with headphone jack for private listening. Use the included in-ear headphones to enjoy a late-night flick without disturbing the peace.
Motion control for games. Enjoy tons of games with a few flicks of the remote. Get the fun started with Angry Birds Space, included free.
Free iOS and Android app. Use it like a remote. Browse and add new channels. Even play your music and photos from your phone or tablet on your HDTV.
Fully loaded and ready for your HDTV. 1080p HD support, dual-band wireless, Ethernet port, USB port and microSD slot.
Networking: 802.11 dual-band (a/b/g/n compatible) with WEP, WPA, and WPA2 support, 10/100 Base-T Ethernet
Video Outputs: 720p, 1080p
Audio Output: Digital over HDMI (7.1 and 5.1 surround pass through)
Storage Expansion: microSD card slot for additional game and channel storage
Remote Control: Roku 3 enhanced remote with headphone jack and motion-control (uses Wi-Fi Direct), Streaming player includes IR receiver (compatible with various universal remotes)
Power Consumption: Less than 3.5W (typical) when streaming HD video
Power Input: 12V 1A power adapter
USB Media Formats: Video: MP4 (H.264), MKV (H.264); Audio: AAC, MP3; Image: JPG, PNG
Ports: HDMI, RJ-45 Ethernet, Micro SD
System requirements: HDTV, HDMI cable, Wi-Fi network connection
Uses 2 AA batteries (included)
Dimensions: 3.5 x 3.5 x 1
Weight: 5 ounces
Brand: Roku
Model: 4200R-RB
Condition: Refurbished
Warranty: 90 Day
Packaging: Brown Box

http://1sale.com/electronics/tv-home-theater/new-member-exclusiv...
Electronics Deals

1Sale.com Coupons
15% off iTunes gift card at Safeway
Added on : Monday June 02nd 2014 12:00:03 PM
g: 0 Posted By: steveo
Views: 121 Replies: 0 Not sure if this is targeted or nationwide, but I received an email today that stated 15% off iTunes gift cards. "Buy any $25 or more in iTunes gift cards, Save 15% Instantly. Limit 1."
Sign in to your Safeway account and look under "Special Offers" in the left nav.

Gifts Deals

iTunes Coupons
Where to Park Money
Added on : Monday June 02nd 2014 11:00:10 AM
g: 0 Posted By: DjScibbity
Views: 185 Replies: 3 Hi All,
I know this has been asked and the typical answer is "Find a high yield checking account..."
But, its been a few months and Id like to see if there are any other suitable options (or recommendations for said high yield checking accounts).

If you had $40-60k sitting in a crappy low yield checking account what would you do with it?
Assuming it is to be kept fairly liquid (A CD could also work, since it's technically liquid).
Stipulation is that it must be very very low risk and preferably FDIC insured.
Investing Deals
Best Way to Spend Credit Card $ For Bonus Fulfillment?
Added on : Saturday May 31st 2014 06:00:06 PM
g: 0 Posted By: justignoredem
Views: 98 Replies: 2 Hey FWF.

I'm about to run into a situation where I need to fulfill a $5k spent amount on a CC in order to get the initial bonus. I highly doubt in the next 2 months I can get to that amount. What are the best recommended ways to spend it?

Ways off the top of my head:
1. Is there anyway to pay for my mortgage with the $ from my credit card?
2. Is there a way to simply take the $ out as cash without paying the APR? Is it like other purchases and the APR doesn't apply until after the statement comes? Sorry if these are stupid questions, I've never gotten a cash advance from a credit card in my life.
3. Pre-paid gift cards. I'm guessing thats how most people here are doing it. $500 Visa Gift Cards? If so, what are the details here? Do you buy them and then cash them out for cash the next day (if possible?) Or do you simply spend them on your normal purchases for a while? What are the fee's associated with these?

Any help is appreciated, I have quite a few credit card offers I'm going to need to fulfill soon!
Credit Deals
Best Investments?
Added on : Friday May 30th 2014 12:00:07 PM
g: 0 Posted By: JoeSo
Views: 97 Replies: 2 I came into a few thousand dollars and I'd like to know what the best short term,highest yield investments would be to save some of that in...I've heard things like precious metals. Suggestions?
New User Question Deals
may not be as simple as it seems ?
Added on : Friday May 30th 2014 11:00:06 AM
g: 0 Posted By: vistaluck
Views: 146 Replies: 5 so long story short. some 1 owe me about $30,000 cash 1 year ago but he doesn't have cash to return it back to me so he is trying to give me some electrical equipments to cover the debts. The initial plan was to make at least double of that $30,000 but I only got $5000 as interest. The equipment worth $1800 a piece market value. However, he changed his mind again since these equipiments can sell so he don't want to give all to me at once. If its all at once, it would be 16.7 pieces of equipments so I guess its 16 pieces + $1200 cash or something.

So now, he just wants to give me discounts as pay back. He sold it to me at $1600/piece but $200 is paying the debts to me. I still have to pay him $1400/piece cash to buy. So lets say I buy 10 pieces, he is paying off $2000 debts to me. so it will take a while to pay off. Each month, I may just take 10 pieces.

My question is which method is actually a better deal. Have him give me all 16 pieces + $1200 or the slower method and may look more like a better deal because the price per piece is only $1600.

I know I made a mistake anyways. However, this guy already gave me a lot of deals before and I already made some money from him. Therefore, I can really go flip on him and get him pissed off.

Through this, I learned its never a good idea to loan money to any of your friends even the ones who made you money before because you never know when they may scam you and get a portion of your hard earn money back.

I still think this is a huge loss for me. You know how I calculate it. So if you got $30,000. You can pay this to principle of your mortgage, you will instantly save another $30,000. And when you pull out equity loan from your house, you can pull out another 75% of that $30,000 you just put in so thats $22,500 so you just put in $30,000 in and make $52,500. Plus you shorten your loan time a few years by putting in that $30,000. So this $30,000 probably has just make you $82,500 total.
Personal Finance Deals
Gymboree.com: Girls Dresses $8 shipped! (reg $27)
Added on : Thursday May 29th 2014 10:00:02 PM
g: 0 Posted By: bittul
Views: 0 Replies: 0 Quite a few nice styles.

www.gymboree.com

FS no minimum -- today only.
g: 0 Posted By: SyZpuzzler
Views: 223 Replies: 3 Hello, I made a post a few weeks ago about purchasing a house but that is down the road, and this is more pressing

Currently, this is my situation: $39k salary, $29k combined student loan debt between 2.8% and 5.9%, $8.5 car loan at 1.9%, and a $3,400 CC balance on my Wells Fargo card I've had for over 10 years. As far as I know, my credit is good (excellent??? No late payments on anything in years, no other outstanding debt, I've held car loans before, I've had student loans for many years, etc. I don't know the actual score because when I go to annualcreditreport.com it just gives me a detailed summary but not my actual FICO score)

I currently have $1,000 I want to pay towards my credit card, and I'm looking to pay off the remaining $2,400 within a year (hopefully within 6 months ...)

I haven't gotten a new card in years, including a debit (also WF). I know there are tons of programs to move your balance, get 0% for a year, get 2% Cash Back, all sorts of stuff

My main question is: should I move my $3,400 balance to a new card with 0% down and potentially some rewards like Cash Back, then pay it down within a year and use that card moving forward?

Follow up questions:

- Once my current card is paid down, can I close it? Do I get a credit hit if I close a current line of credit?
- If I get a Cash Back or rewards card, is the correct way to make purchases moving forward to just use the credit card then at the end of the month pay it 100% off with the money from my checking account I would have used anyways?
- I know Discover has some sort of program where they tell you your credit score every so often. Are there any other programs? Ideally, 0% + a Cash Back rewards + a FICO score would be fantastic but that seems like a pipe dream
- Is it worth it to call Wells Fargo and basically pull the 'Hi, I'm a loyal customer. I see offers to move my balance over and get a 0% interest, is there anything you can do about my interest rate?' card AND THEN if they lower it, STILL move the balance over?
- My current credit line is $4,800, bumped from $3,600, bumped from $2,500. Will I more than likely be approved for at least a $3,600 limit on the new card? (Enough to move $3,400 + the 3% fee)

Yes, I know there is a credit card thread but it has 112 pages and I simply cannot invest the time into that much

Thanks

Credit Deals
g: 0 Posted By: ctgolfer
Views: 188 Replies: 0 Super LoLux - Low light performance is a key factor in producing high quality video. Everio's Super LoLux ensures superior sensitivity to low light. No worries while indoors or in dark situations, Intelligent AUTO
Full HD if you want to watch the results on an HDTV or burn 1920 x 1080 resolution videos to a Blu-ray disc or DVD, Advanced Image Stabilizer expands the e ective area at wide angle, delivering powerful compensation for camera shake.
Time-Lapse REC records one frame at a time at set intervals (1sec. - 80sec.). So you can watch movement that's hours long in just a few seconds when played back, Auto REC
Charging Time 1h 50m, Continuous Recording Time 1h 5m, Actual Recording Time 40m.

www.amazon.com/dp/product/B006NT43IW/
Camcorders Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 151 Replies: 0 Sierra Designs Men's Super Stratus Jacket $125.55 FS Amazon (Very few left in stock)

http://www.amazon.com/gp/product//B00DP3C6KQ

100% Polyester Ripstop
800-Fill DriDown
Two zippered hand pockets, interior zippered pocket and two interior dump pockets
Cuff binding with thumbhole
Drop hood with integrated collar
Adjustable hem and helmet compatible hood


Clothing Deals

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

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

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

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

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

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

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

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

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

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


Question Deals
T Mobile ETF Reimbursement
Added on : Wednesday May 28th 2014 11:00:08 AM
g: 0 Posted By: txrandom
Views: 125 Replies: 0 I would like to get an iPhone and Windows phone for development purposes and looked into taking advantage of the T Mobile ETF reimbursement program. Can anyone find any flaws with my plan below outside any moral issues?

Currently have an Android phone purchased from Sprint that is eligible for T Mobile ETF reimbursement.
Under contract at $30 a month for a few more months with a prorated ETF of $100.
But am eligible for an upgrade to an iPhone 5C for $50 on Sprint with a new two year contract.
Wait a month after upgrading to iPhone and cancel after paying $350 ETF.
Sign up for T Mobile $50 Simple Choice Plan and buy a Windows Phone outright for $120-$189.
Submit T Mobile ETF reimbursement form with old Android device.
Eventually receive $350 ETF reimbursement in the form of a Mastercard prepaid card.
Cancel T Mobile plan, or downgrade to cheaper prepaid plan or data only plan. No money should be due since the phone was bought outright. Windows Phone can be unlocked after 40 days if needed.

So the total cost for an iPhone 5C would be $50 (upgrade), $36 (activation on Sprint), $40 (two months of T Mobile service minus cost of current Sprint service) = $126 versus a normal retail price of $650. Yes, it will be locked to Sprint, but that's not an issue for me.
Personal Finance Deals
g: 0 Posted By: remick
Views: 69 Replies: 0 Why watch PlayStations E3 Press Conference on a puny browser window when you can see it on the silver screen? On June 9th, were inviting PlayStation fans in the US and Canada to experience the E3 press conference in a new way live, on a massive screen in more than 40 movie theaters.
Join us and host Geoff Keighley for the PlayStation E3 Experience, featuring an HD simulcast of the PlayStation E3 Press Conference. Attendees will also see 30 minutes of extra content, including exclusive extended game footage and interviews with the worlds biggest game developers. And hey, if you show up, we might even cough up a few surprise gifts.
Best of all, its free. Space is limited, so make sure to register for the event soon here: http://eventgrid.com/Custom/playstatione3
If you dont live near one of the fine cinemas listed below, never fear: Youll be able to watch all the gaiety from your computer or smart phone right here on PlayStation.Blog (or PlayStation.com and Ustream.tv/playstation).

PlayStation E3 Experience The TL;DR Version
When: Monday June 9th at 8:30pm ET / 5:30pm PT (show starts at 9:00pm ET / 6:00pm PT)
Where: 40-50 theaters across US and Canada
What: Watching the PlayStation Press Conference LIVE in HD from the comfort of a movie theater with other PlayStation fans. Event features 30 minutes of exclusive content, including extended game footage and developer interviews. Plus surprise giveaways!
RSVP: Free to attend, but space is limited. RSVP here: http://eventgrid.com/Custom/playstatione3

Locations
ST CITY THEATRE NAME
AK Anchorage Cinemark Anchorage 16 with XD
AL Birmingham Regal Trussville 16
AZ Phoenix AMC Ahwatukee 24
BC Vancouver Cineplex Cineplex Odeon International Village (Tinseltown)
CA Los Angeles AMC Century City 15 with IMAX
CA San Diego AMC Mission Valley 20 with IMAX
CA San Francisco Cinemark Century 9 San Francisco Centre with XD
CO Denver Regal Pavilions 15
DC Washington AMC Mazza Gallerie 7
FL Miami AMC Sunset Place 24 with IMAX
FL Orlando Regal Waterford Lakes Stadium 20 with IMAX
FL Jacksonville Regal The Avenues Stadium 20
GA Atlanta Regal Hollywood 24 @ North I-85
ID Boise Regal Boise Stadium 22 with IMAX
IL Chicago Regal City North 14 with RPX
IN Indianapolis Regal Galaxy 14
KY Louisville Cinemark Tinseltown Louisville
LA Baton Rouge Regal Citiplace 11
MA Boston Regal Fenway 13 with RPX
MN Minneapolis Regal Brooklyn Center 20
MO Fenton Regal Gravois Bluffs Stadium 12
MO Kansas City Regal Kansas City 18 Cinemas
NC Charlotte Regal Stonecrest 22 @ Piper Glen with IMAX
NE Omaha AMC Oakview 24 with IMAX
NM Albuquerque Regal Cottonwood 16
NV Las Vegas Regal Village Square 18
NY New York Regal Union Square Stadium 14
NY Buffalo Regal Transit Center Stadium 19 with IMAX
OH Columbus Regal Georgesville Stadium 16
OK Oklahoma City Cinemark Tinseltown USA
ON Toronto Cineplex Yonge & Dundas
OR Portland Regal Lloyd Center 10 with IMAX
PA Philadelphia Regal Riverview Plaza
PA Pittsburgh Cinemark Pittsburgh North 11
PQ Montreal Cineplex Scotiabank Theatre Montreal + IMAX
SC Columbia Regal Columbiana Grande Stadium 14
TN Nashville Regal Opry Mills 21 with IMAX
TX Houston Regal Houston Marq*E Stadium 22 plus IMAX
TX San Antonio Regal Cielo Vista 18
TX Dallas Regal Galaxy Theatre
UT Salt Lake City Cinemark Salt Lake City 16
VA Virginia Beach AMC Lynnhaven 18 with IMAX
WA Seattle AMC Pacific Place 11
Totally Free Deals
Potentially Dangerous Tree?
Added on : Wednesday May 28th 2014 03:00:06 AM
g: 0 Posted By: nhokt
Views: 78 Replies: 3 Since the tree thread can has been opened again....

We have about 2 acres of land, most of which is heavily wooded forest that abuts a few neighbors smaller lots, the property boundaries aren't clearly marked that I can see.

On what appears to be very near the edge of our(?) property and close to a neighbors house there is a ~80' pine tree that is rotting at the base due to previous wind damage. An arborist eyeballed it from a distance, said it looked dangerous and recommended it be taken down. Tree service would most likely need to access the tree through neighborsproperty to take it down.

This is the one neighbor we don't know well. I stopped over and had a quick discussion where they didn't seem concerned and didn't want to do anything about it.

Situationseems like a giant liability to me, myidea is to use my legal plan to have a liability release drawn up for any potential damage or harm the tree may cause if it falls and have the neighbors sign it.

What I am missing? Is this risk still too high with the liability release?

Personal Finance Deals
g: 0 Posted By: MrVietnam
Views: 170 Replies: 0 Save $10 Instantly when you purchase $100 or more in American Express Gift Cards.
Limit 1 - expires 6/10/2014

Just activate digital coupon (YMMV for you having this offer in your account - I found this offer in the coupon center and not in the personalized deals section so most of you should have it) then go to your local Vons (safeway) store and buy a $100 American Express gift card and after the $5.99 activation fee it will be $105.95 then the register will automatically take off $10 making it a $4.05 MM for you. I have two J4U accounts and the offer was in both accounts, so an easy $8.10 of free money for me plus some credit card loyalty points.
Safeway Deals
g: 0 Posted By: Deals4mykids
Views: 106 Replies: 0 Regular Price: $159.99
Free in store pick up.

http://www.sears.com/craftsman-3-ton-floor-jack-stands-and/p-009...

The Craftsman Three-Ton Jack, Jack Stands & Creeper Set will set you up for auto repairs just like the pros. There are few tasks you will not be able to perform with the heavy duty three-ton jack, jack stands and creeper. If you have ever crawled and squirmed along the gravely road to try and get into a dark, tight spot under the hood, you will appreciate what a great jack, stand and creeper set can do for you. Gives you the ability to provide safe auto service in your own home.


The heavy duty, welded construction of this stable three-ton jack offers 6,000 pounds of pure lifting power.
The generously sized, easy rolling creeper is 36 inches long for excellent stability. The built-in headrest on the creeper offers a welcome bit of comfort on the bigger jobs. The jack provides
up to 19.25 inches clearance, a great amount of space for ease of repair.


Tools Deals

Sears Coupons
FYI -- Yodlee now working with Computershare accounts
Added on : Tuesday May 27th 2014 02:00:07 PM
g: 1 Posted By: boden11
Views: 60 Replies: 1 I noticed a few odd alerts at yodlee these past few days -- large net worth changes + and - but every time I logged in I didn't see anything different and just chalked it up to transaction posting at weird times. However today I noticed that for the first time in YEARS that my Computershare accounts updated on their own and appear to be working fine!! Took a while, but finally working!! Haven't tried the other sites like mint/personal capital but get a feeling that some of those sites may start working shortly too.
Discussion Deals
Tips for my last AOR for the forseeable future?
Added on : Monday May 26th 2014 12:00:11 PM
g: 0 Posted By: bytem3
Views: 58 Replies: 0 ETA: I need to do this by Thursday (5/29).

I have some CCs with annual fees about to become due. Since I may be moving to Canada shortly (and should be able to hit several thousand in USD spend; after that, most/all spend would be in foreign currency), I'd like to get in one final AOR. Air Canada (Star Alliance) is the main airline that services the nearby airport, though it is also serviced mostly by Air Transat, Alaska, Delta, Lufthansa, United, and WestJet. There is also a nearby airport that is serviced by Alaska, Allegiant, and Frontier. I am generally more interested in travel miles (for first class international flights) than hotel nights, but am open to suggestions. I haven't checked my credit score in a while, but it's usually 750+. Last mini-AOR was in February.

Cards I currently have:
Chase: Ink Plus, Freedom/Marriott/IHG; IHG up for renewal, but think I will keep it; I got the Ink Plus in February, but think I just passed the 90-day mark a week or two ago, but didn't think to ask Chase to match the ongoing 60k signup bonus offer
Amex: PRG/BCP/Costco; BCP and PRG up for renewal - have all the MR points unused, but not sure what to convert/transfer the MR points or the cards to
Discover: It
Barclays: Arrival; up for renewal, previously denied any promo/retention offer, and they recently changed the card to their new Arrival Plus World Elite...should I keep this card? Apparently, now more things qualify as travel purchases for 2.2% Cash Back redemption.
US Bank: Cash+/general
BoA: Better Balance Rewards
FIA: Amex/Visa

Cards I am thinking about:
- US Bank Club Carlson 85k promo (50k first purchase, 35k after $2.5k) - not sure if I should get Visa Premier ($75 AF, more perks) vs Business Rewards ($60 AF, but fewer perks) -http://www.clubcarlsonvisa.com/credit/compare.do
- Chase Bold Plus 60k promo ($5k spend, $95 AF waived 1 year)
- ?Chase Sapphire Preferred
- ?Chase United
- ?Amex Starwood
- ?Amex Delta Gold (35k with $1k spend and $50 statement credit on a Delta purchase; $95 AF waived) - now, this card has no FTF. It is a bit confusing, though, since this is a targeted offer I receive after entering my SkyMiles # and last name, but it says "For Personal Use: Welcome bonus offer not available to applicants who have or have had this product" and I already got this card two years ago and held it until just over 12 months ago.
- ?Barclays US Air 40k (first purchase, $89 AF not waived); I already have ~40k miles from getting this same card ~two years ago

Things I'm also thinking about:
- ?What to do with the 50k Amex MR points attached to the PRG? (downgrade to a no-AF MR card?)
Discussion Deals
Family Christian 40% Coupon Today Only
Added on : Monday May 26th 2014 08:00:05 AM
g: 1 Posted By: sweetpea10
Views: 252 Replies: 0 ~~http://www.familychristian.com/coupons?~~A Memorial Day treat for you!
today only May 2640%off*any one regularly-priced itemuse code: 131981301 print coupon →
or shop online!*Valid in store or at FamilyChristian.com. Not valid on Family Values items, doorbusters, Members Only, prebuy items, clearance items, Church and Homeschool curriculum, Lifeway, VBS, Church Supplies, Hymnals and Choral, site licenses, Handiworks, digital media, electronics, Catalyst membership, Brightpeak Financial Products, gift cards, donations, personalization services, tickets or in combination with other coupons. No price adjustments on merchandise previously purchased. One coupon per customer.
Books Deals
FIA Card Services - New Website?
Added on : Sunday May 25th 2014 04:00:06 PM
g: 0 Posted By: NEDeals
Views: 1 Replies: 0 Wow, FIA might be upgrading their website, which is straight out of the 1990s. Maybe they might consider crazy features, like email, account alerts, viewing purchase categories, and dispute? It is probably too much to ask. But there was prior speculation that FIA was transferring some credit cards (e.g. Fidelity Amex) to BoA proper in preparation for a possible sale. I doubt BoA would invest
a nickel in FIA's website if they plan to sell.


FIA said: Coming soon: Improved site navigation and support features to enhance your online experience.


During the weekend of June 20, 2014, we are updating our systems to improve your online experience and provide
you with enhanced features. During this time, you will still be able to access and view your accounts, but certain
functions may be limited.

Bill Pay Choice will be unavailable from June 19 through June 23. Any scheduled payments will take place
as usual during that time, but you will not be able to add, modify or delete any payments set up
in Bill Pay Choice. If you need to make a payment while Bill Pay Choice is unavailable, you can call
Payments-by-Phone at 1-888-339-6262.

Below are a few of the key enhancements you will see:

Improved navigation. Enjoy redesigned pages with upgraded functionality for streamlined navigation throughout the site
to help make managing your accounts easier than ever.
Upgraded support features.New tools will provide interactive help and navigational assistance for locating what you
need more quickly.
Automated alerts.We will help you stay up-to-date by sending automated alerts to the email address you provided about
account updates, new card orders, statement delivery and more. This way we can quickly communicate with you and
help safeguard your information.

What you need to know:The first time you log in to the enhanced site you:

Will be asked to verify your identity by answering your Challenge Questions.

If you can't remember the answers to your challenge question, you can visit the My Profile page
to update your Challenge Questions prior to conversion.

Will be prompted to review and accept the Terms of Use agreement.
May need to create a new Login Name.

If necessary, you will be prompted to do so when you log in.


Customers with authorized user privileges will no longer be able to access your account online. Accounts will only be accessible
online to the primary account holders, co-applicants and guarantors. You will need to make alternate arrangements if an
authorized user manages this account online.
TCPA enforcement for fun and for profit up to 3k per call
Added on : Sunday May 25th 2014 08:00:11 AM
g: 3 Posted By: codename47
Views: 146 Replies: 1 Just wanted to get some feedback on the latest experiences people are having with automated calls. So, the TCPA (telephone consumer protection act 47 usc 227) regulates such calls, and generally without "express written consent" or an emergency purpose.

TCPA updates:

Now, previously, before October 2013, there was an implied, express written consent where if you gave your telephone number to someone, it was considered by some courts to be "consent" or was allowed under an "established business relationship", but that all changed in the fall of 2013, so here are have a requirement for unambiguous written consent required and no established business relationship loophole as of October 2013, because the FCC says so. http://www.kleinmoynihan.com/publication/new-tcpa-rules-effectiv...

Text messages count too as prohibited methods of communication again without clear written consent. These are super easy to enforce as you have almost all the evidence you need to find out the other party's identity and bring them to court.

Also, just to be clear the company that the calls are being made for are vicariously liable for the actions of the telemarketing company. So, if a company calls and is trying to sign you up for Dish network or Caribbean cruise lines, and they are Joe Schmoe telemarketing enterprises LTD, and they fold up, declare bankruptcy, and move overseas, you aren't out of luck and can generally go after Dish network for the calls that were made on their behalf as they were the ultimate beneficiary of the illegal actions. Otherwise, any company could hire an illegal telemarketer, and claim innocence as they didn't directly make the calls themselves.

So, I am looking at switching service providers with my cell phone as I can't port my old number, and holy effin crap, I get a lot of pre-recorded calls and for no reason on the new number. I get quite a few on the old number too, but that is in the process of being rectified...

Some other interesting stuff I found is that at least in the 6th circuit COA at least, TCPA calls have a max damage amount of potentially 3k per call. Now, some lazy lawyers will cite the $500 to a max of $1500 per call, but for people who are willing to do a little research, they may find a few gem's such as Phillip Charvart, a personal hero of mine along with Edward C lawson. If you think I have a propensity to sue people you should see Phillip Charvart laying down the law. I read somewhere that he filed like 60+ lawsuits and won the vast majority of them while establishing a lot of good caselaw. For example, in one case, Charvart was awarded $73k. http://do-not-call-complaints.com/blog/tcpa-monetary-awards-char...

The 6th Circuit held in another case:
a person may recover statutory damages of $1500 for a willful and knowing violation of the automated-call requirements, 227(b)(3), and $1500 for a willful and knowing violation of the do-not-call-list requirements, 227(c)(5) even if both violations occurred in the same telephone call. This is in Charvart v NMC llC: http://www.sixthcircuitappellateblog.com/uncategorized/sixth-cir...

Therefore, if you get a pre-recorded call that fails to provide the name/entity for which the calls are being made, or the phone number or address of the entity which the calls are being made on behalf of, fails to honor a DNC request or fails to have a DNC list, you have one category of violations which can run $500 to $1500 per call. If you have a pre-recorded or automated call that is a second category of violations that can run $500 to 1500 per call.

Now, I know some have said they have trouble identifying the other party, so you can feign interest and gather some identifying information that way. Alternatively, I've found that a large number of the calls I get a least, come from one source: peerless networks. Apparently they provide telemarketing services for many companies, and they are frequently violating the law. So I do a reverse search on whitepages.com, which takes like 5 seconds, identify the service provider, and then subpoena the information most likely from Peerless networks, which apparently gets quite a lot of requests for this information as they state the different categories of information available and how to request it. Key thing is that they can provide ALL subscribers that have called a certain telephone number, so perhaps if you missed one or two companies in the last 4 years, this company will most likely have a complete set of records for just the calls from subscribers to you. They can also provide the subscriber contact information.

http://www.peerlessnetwork.com/contact-us/law-enforcement-and-su...

In summary:

Explicit in writing opt in is required.

Text message marketing is just stupid, but there are apparently a lot of stupid people in the world

Peerless networks likely has almost all the information you need to carry a lawsuit.

you can recover somewhere between 1k and 3k per call

Parent/beneficiary companies are vicariously liable and there are a lot of stupid/lazy marketing departments in the world

Many of these companies leave robocall voicemails, which is just stupid as well.

You are a private attorney general, because congress said so



Discussion Deals
Free Kindle Book- How to Draw Cool Stuff
Added on : Sunday May 25th 2014 08:00:09 AM
g: 0 Posted By: remick
Views: 67 Replies: 0 http://www.amazon.com/Draw-Cool-Stuff-Catherine-Holmes-ebook/dp/...

5.0 out of 5 stars (12 customer reviews)

How to Draw Cool Stuff shows simple step-by-step illustrations that make it easy for anyone to draw cool stuff with precision and confidence. These pages will guide you through the basic principles of illustration by concentrating on easy-to-learn shapes that build into complex drawings.

With the step-by-step guidelines provided, anything can become easy to draw. This book contains a series of fun, hands-on exercises that will help you see line, shape, space and other elements in everyday objects and turn them into detailed works of art in just a few simple steps.

The exercises in this book will help train your brain so you can visualize ordinary objects in a different manner, allowing you to see through the eyes of an artist.

From photorealistic faces to holiday themes and tattoo drawings, How to Draw Cool Stuff makes drawing easier than you would think and more fun than you ever imagined! Now is the time to learn how to draw the subjects and scenes you've always dreamt of drawing. How to Draw Cool Stuff is suitable for artists of any age benefiting everyone from teachers and students to self-learners and hobbyists.

How to Draw Cool Stuff will help you realize your artistic potential and expose you to the pure joy of drawing!
Totally Free Deals
Best Buy 20% deal Summersave20
Added on : Sunday May 25th 2014 05:00:06 AM
g: -1 Posted By: onetrak
Views: 316 Replies: 0 I found a link through Bestbuy's web site for a in store deal on small appliances code summersave20. It seems to have a few exclusions, but is going to save me a few smackers. enjoy!
http://images.bestbuy.com/BestBuy_US/en_US/images/abn/2014/app/p...
Electronics Deals

Best Buy Coupons
g: 1 Posted By: MrVietnam
Views: 864 Replies: 1 Freebies/MMs this week:

Bayer Pain Relievers (20 ct or larger), B1G1 50% Off
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
$1/1 Bayer Advanced Aspirin Product printable
$1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
$1.50/1 Bayer Aspirin Chewable Product, exp. 7/31/14 (SS 05/04/14 #2)
$1/1 Bayer Aspirin Product, exp. 6/16/14 (SS 03/16/14)
$1/1 Bayer Aspirin Product, exp. 7/31/14 (RP 04/27/14 R)
$1/1 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$2/2 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$3/3 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
Suggested Scenario:

Buy (4) Bayer Aspirin (32 ct.), B1G1 50% off $3.29 ($9.88)
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
Use (4) $1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
Better than FREE ($4.12 MM actually) after coupons and +UP Reward!

$1 +UP wyb (4) Hershey's, Reese's, Mars or Nestle Fun or Snack Size 6pk., 4/$5 (Limit 4)
*$1.39 each wyb (1)
$1/2 Hershey's Milk Chocolate or Reese's Peanut Butter Cups, exp. 6/14/14 (RA Video Values, May)
STACK WITH
$1/2 Hershey's Milk Chocolate Bar Multipack printable
Final Price: 4 FREE


there are a few additional good deals worth mentioning, including:

Pearson Nips (4 oz.), 2/$2
Get $1 +UP Reward wyb 2 (Limit 4)
$0.50 each after +UP Reward!

Mentos Tube Gum (15 ct.), 3/$3
Get $1 +UP Reward wyb 3 (Limit 4)
$0.67 each after +UP Reward!
Health & Beauty Deals
Target/Microsoft Game Trade in Make $78 in Target Credit
Added on : Saturday May 24th 2014 12:00:03 PM
g: 0 Posted By: resin
Views: 356 Replies: 5 This is a combo of a couple of different deals, requires B&M Microsoft store and B&M Target to complete.

Head over to the physical Microsoft Store, pick up the following games. My local 'store' was a kiosk in the mall.
Xbox One - Assassins Creed IV
Xbox One - Madden NFL 25
Xbox One - Titanfall

The first 2 games are on sale for $29.99 each, and you should be able to get Titanfall for free when you buy two games ( receipt attached ). Open the games up, and then take them over to your friendly Target store where they have a 300% trade-in value promotion that ends today you should net. You'll need to make your way to the electronics department and find the black-shirt employee that generally deals with phones.

You can see more details about the trade-in program here:
http://www.targettradeinprogram.com/

Titanfall - $46.35
Madden - $45.27
Assassin's Creed - $46.35

For a total of $137.97, minus the 59.97 investment you should make $78 for a few minutes of your time.


Video Games Deals

Microsoft Store Coupons
g: 0 Posted By: jskins
Views: 121 Replies: 0 Under Armour UA Catalyst Men's Short Sleeve Tee (Multiple Colors Available)- $15.99 with Free Shipping at 6PM.

Note: A few of the colors are $1 more.

Sizes:SM, MD, LG, XL, 2XL
HeatGear technology pulls perspiration away from the skin and pushes it towards the surface for rapid evaporation
Armour Block antimicrobial treatment neutralizes odor
Antimicrobial treatment
UPF 50+ fabrication
Four-way stretch
Classic crew neckline
Raglan sleeves
Loose fit
Straight hemline


Selling for around $30 online according to Google Shopping.
Clothing Deals

6PM Coupons
Is Tmobile financially any better
Added on : Saturday May 24th 2014 07:00:08 AM
g: -4 Posted By: austintx
Views: 133 Replies: 4 With T-Mobile starting to charge for every small thing and nickel and diming us.. Is it any better to stay/ go to TMo?
Phone - Full Price
Sim Card Kit - $10

No Corporate discount

On the flip side - free international texting, free 1GB data, wifi calling are the few good "remaining" options.
If I buy a unlocked phone - not all phones can get I buy from outside I can get the wifi calling option which is the TMo Android update.

If one needs to have a family plan with 3 or 4 phones and need to buy all these phones at full price -- I dont see it any beneficial to go with TMo.

Not to mention that the coverage is still sketchy even in US.

Thoughts are welcome.
Question Deals
g: 1 Posted By: MrVietnam
Views: 824 Replies: 1 Freebies/MMs this week:
(Looks like a pretty slow week, besides the BAYER MM)

Bayer Pain Relievers (20 ct or larger), B1G1 50% Off
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
$1/1 Bayer Advanced Aspirin Product printable
$1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
$1.50/1 Bayer Aspirin Chewable Product, exp. 7/31/14 (SS 05/04/14 #2)
$1/1 Bayer Aspirin Product, exp. 6/16/14 (SS 03/16/14)
$1/1 Bayer Aspirin Product, exp. 7/31/14 (RP 04/27/14 R)
$1/1 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$2/2 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$3/3 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
Suggested Scenario:

Buy (4) Bayer Aspirin (32 ct.), B1G1 50% off $3.29 ($9.88)
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
Use (4) $1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
Better than FREE ($4.12 MM actually) after coupons and +UP Reward!

Plus, there are a few additional good deals worth mentioning, including:

Pearson Nips (4 oz.), 2/$2
Get $1 +UP Reward wyb 2 (Limit 4)
$0.50 each after +UP Reward!

Mentos Tube Gum (15 ct.), 3/$3
Get $1 +UP Reward wyb 3 (Limit 4)
$0.67 each after +UP Reward!
Health & Beauty Deals
Rite Aid 5/25 - 5/31 (MM Bayer Aspirin)
Added on : Saturday May 24th 2014 02:00:04 AM
g: 1 Posted By: MrVietnam
Views: 814 Replies: 0 Freebies/MMs this week:

Bayer Pain Relievers (20 ct or larger), B1G1 50% Off
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
$1/1 Bayer Advanced Aspirin Product printable
$1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
$1.50/1 Bayer Aspirin Chewable Product, exp. 7/31/14 (SS 05/04/14 #2)
$1/1 Bayer Aspirin Product, exp. 6/16/14 (SS 03/16/14)
$1/1 Bayer Aspirin Product, exp. 7/31/14 (RP 04/27/14 R)
$1/1 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$2/2 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
$3/3 Aleve, Alka-Seltzer Fruit Chews or Bayer Aspirin, exp. 5/31/14 (RP 02/16/14)
Suggested Scenario:

Buy (4) Bayer Aspirin (32 ct.), B1G1 50% off $3.29 ($9.88)
Get $8 +UP Reward wyb 4 select Healthcare Products (Limit 2)
Use (4) $1.50/1 Bayer Aspirin Product, exp. 7/31/14 (SS 05/04/14 #2)
Better than FREE after coupons and +UP Reward!

Plus, there are a few additional good deals worth mentioning, including:

Pearson Nips (4 oz.), 2/$2
Get $1 +UP Reward wyb 2 (Limit 4)
$0.50 each after +UP Reward!

Mentos Tube Gum (15 ct.), 3/$3
Get $1 +UP Reward wyb 3 (Limit 4)
$0.67 each after +UP Reward!
Health & Beauty Deals
Time to look for a new job?
Added on : Friday May 23rd 2014 04:00:09 PM
g: 0 Posted By: greenman6727
Views: 157 Replies: 3 Here is the situation - been with the company for more than 11 years, few years ago our division was sold to a new company. During annual review this year, I brought up fact that my salary is below median (about 25 percentile) based on payscale.com. Boss promised to look into it. Few months later, he came back saying HR/big bosses are not letting him increase the salary, but they are giving me a bonus of 5K, half payable on 9/1 and the other half 12/31. Here is the kicker - the bonus is tied to the objective of training another team member (which was already in my this year's list of objectives). I feel like it is time to look for a new job. My expertise is in demand and I should be able to find a job, at least with the same salary that I make now- but am weary of a change after 11 years with the same company and having to start afresh. But may be it is time? Any advice?
New User Question Deals
Sony PS Move Accessories Kmart Clearance YMMV
Added on : Friday May 23rd 2014 12:00:02 PM
g: 0 Posted By: DarthWoo
Views: 164 Replies: 0 This is a couple days old, but I guess not a lot of people were really looking for PS Move stuff, so there's probably still a lot left. My local Kmart and some nearby ones in southeast PA had PS Move Motion Controllers for $10 and Navigation Controllers for $6. They had apparently had the starter kits (with the Eye, Motion Controller and game) for $20ish a few weeks ago, but there weren't any of those left. Might be something to look for if you still use yours and wanted some extra controllers.
Video Games Deals

Kmart.com Coupons
Apple MacBook Pro Sale @ Best Buy minus $150 Student Coupon
Added on : Friday May 23rd 2014 09:00:04 AM
g: 2 Posted By: aaron2yang
Views: 166 Replies: 1 Link

**Don't forget FatWallet Cash Back!**
**Free shipping or store pickup**

Few Examples:

MacBook Pro i5, 13.3" 4GB Memory, 500GB Hard Drive: $1139.99 - $150 (Student Coupon) + Tax

MacBook Pro i5 13.3" with Retina 4GB Memory, 128GB Flash Storage: $1234.99 - $150 (Student Coupon) + Tax

MacBook Pro i5 15.4" with Retina 8GB Memory, 256GB Flash Storage: $1899.99 - $150 (Student Coupon) + Tax

There are two ways to get Student coupons: #1. Sign up at Best Buy if you have an edu email accountLink.#2 If you don't have an edu email account, just buy it on eBay.


Macbooks Deals

Best Buy Coupons
3M Fuel System Tune-Up Kit - $1.24 AC AR and S S FS @ Amazon
Added on : Friday May 23rd 2014 01:00:02 AM
g: 0 Posted By: Xenocrates
Views: 219 Replies: 2 3M Fuel System Tune-Up Kit- $1.24 AC AR and S & SFS@ Amazon

$24.99 - $10 Clip Coupon - $10 Rebate- %15 Subscribe and Save = $1.24

1. Clip the coupon under the price area.
2. Choose the Subscribe and Save option to get 15% off and free shipping.
3. Print out the rebate to send in when you receive the product.

What's in the Box

1 - 8.75 oz. canister of 3M Intake System Cleaner
1 - 4 oz. canister of 3M Throttle Plate and Carb Cleaner
1 - 16 fluid oz. bottle of 3M Complete Fuel System Cleaner

Key Features

Helps to restore power and save on gas mileage by cleaning air intake and fuel systems
Easy, quick three-step procedure is even more simple to perform than an oil change
Requires only a few common hand-tools and safety items

This has 4.1 / 5 stars with 241 customer ratings on the product page.

This is more then $10 cheaper then the last time there was a deal on this set.
Tools & Automotive Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 Amazon Certified Refurbished

Specifications:
Display:8.9" 10 point capacitive touch high definition color display; 1920x1200 resolution at 254 ppi, video playback up to 1080p, with IPS (in-plane switching) technology, advanced polarizing filter, and anti-glare technology
Storage:Your Choice:
32GB (27.1GB available to user) of internal storage
or
64GB (55.7GB available to user) of internal storage
Battery Life:Over 10 hours of reading, surfing the web on Wi-Fi, watching video, or listening to music. Battery life will vary based on device settings, usage, and other factors such as web browsing and downloading content. Actual results may vary
Charge Time:Fully charges in under 5 hours via the Kindle PowerFast charging accessory, or slightly longer with other micro-USB power adapters that you may already have. Charges in under 14 hours from your computer via the included USB charging cable (AC Adapter sold separately)
Wi-Fi Connectivity:Dual-band, dual-antenna Wi-Fi (MIMO) for faster streaming and fewer dropped connections than standard Wi-Fi. Supports public and private Wi-Fi networks or hotspots that use the 802.11a, 802.11b, 802.11g, or 802.11n standard with support for WEP, WPA and WPA2 security using password authentication; does not support connecting to ad-hoc (or peer-to-peer) Wi-Fi networks
4G Connectivity:4G LTE 10 band wireless modem with HSPA+, HSDPA, and EDGE/GPRS fallback
Ports:USB 2.0 (micro-B connector) port for connection to a PC or Macintosh computer or to connect to the Kindle PowerFast charging accessory.
Micro-HDMI (micro-D connector) port for high definition video output to televisions or A/V receivers
Audio:3.5 mm stereo jack and integrated stereo speakers with exclusive Dolby audio engine
Content Formats Supported:Kindle (AZW), KF8, TXT, PDF, unprotected MOBI, PRC natively, Audible Enhanced format (AAX), DOC, DOCX, JPEG, GIF, PNG, BMP, Dolby Digital (AC-3), Dolby Digital Plus (E-AC-3), non-DRM AAC, MP3, MIDI, PCM/WAVE, OGG, WAV, MP4, AAC LC/LTP, HE-AACv1, HE-AACv2, AMR-NB, AMR-WB, HTML5, CSS3, MP4, 3GP, VP8(.webm)
Sensors:Ambient light sensor, accelerometer, gyroscope, digital compass
Location Services:Location-based services via Wi-Fi and assisted-GPS
Additional Features:External volume controls, front-facing HD camera, built-in microphone, built-in Bluetooth with support for A2DP compatible stereo headphones, headsets, and speakers
Accessibility Features:Voice Guide, Explore by Touch, Text-to-Speech, adjustable font sizes and color, built-in dictionary. Learn more
System Requirements:Kindle Fire HD 8.9" 4G is ready to use right out of the box - no setup, no software to install, no computer required to download content
Dimensions:9.4"(H) x 6.4"(W) x 0.35"(D)
Weight:20 oz


In the box:

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

http://tech.woot.com/offers/kindle-fire-hd-8-9-4g-lte-tablet
g: 0 Posted By: Farfisa850
Views: 105 Replies: 0 http://www.musiciansfriend.com/accessories/musicians-gear-tubula...

Or get the 10 pack for $49.99

http://www.musiciansfriend.com/accessories/musicians-gear-tubula...

I got the ten back last year for $34.99 after a one time use coupon code. It came with 8 stands that were the same and two that hand slightly longer prongs. Used them for acoustics. I could actually use a few more stands now given the gear thats piling up... ha
Music Deals

Musician's Friend Coupons
Jamba Juice: BOGO Free Smoothie
Added on : Thursday May 22nd 2014 08:00:05 AM
g: 0 Posted By: SieSilverStars
Views: 206 Replies: 0 Jamba Juice is offering BOGO Free Smoothies when you present the printable coupon below.

Linky

Offer ends 05/26. Purchase any drink off the menu and receive another drink off the menu of equal or less value for free. Offer not valid at Downtown Disney, safeway, Vons, Pavilions, Airport and select University Jamba Juice locations.
Restaurants & Entertainment Deals
Free Lenox T-2 Blade
Added on : Thursday May 22nd 2014 06:00:10 AM
g: 0 Posted By: remick
Views: 71 Replies: 0 http://www.oneblade.com/#!/trial-blade

You should probable use a different email if you have already done this. I always say that I am a professional and use them at work on a regular basis. You will receive a confirmation email for a survey which I believe you must complete

Thank you for requesting a Lenox T2 Reciprocating Saw blade. While that request is processing at our warehouse, wed like to ask you a few more questions so we can understand more about your tool usage. At Lenox, we are driven to design and manufacture tools to help make cutting easier. Please take a minute to fill out this quick survey.

Your recent blade request is still processing and should ship out in 4-6 weeks.

Totally Free Deals
g: 0 Posted By: Ilovebargains
Views: 174 Replies: 0 For anyone who happens to be in the area today is the last day for the Vanity store in the Markland Mall in Kokomo, Indiana. Everything is 70% off the lowest marked price. As of last night they had a lot of jeans and tops and a few dresses and shoes. Hope someone can take advantage of the deals.
Vanity Deals
17oz Bottle Safeway Refreshe coupon (mailed to you) FB
Added on : Wednesday May 21st 2014 07:00:04 PM
g: 0 Posted By: TAZ420
Views: 81 Replies: 0 https://www.facebook.com/Safeway?sk=app_1448644158709954
Get a FREE 17 oz. bottle of refreshe ICE! This new sparkling beverage has zero calories, real fruit juice and vitamins.
Totally Free Deals
g: 0 Posted By: jskins
Views: 100 Replies: 0 500GB Sony PlayStation 4 Console w/ MLB 14: The Show- $399.99 + $60 Back in Rakuten Super Points w/ Code MDAY15 + Free Shipping at Rakuten.

New DUALSHOCK Controller
Gamers can share their epic triumphs by hitting the "SHARE button" on the controller, scan through the last few minutes of gameplay, tag it and return to the gamethe video uploads as the gamer plays.
Headset Included
Instantly connect with friends using the mono headset included with every PS4


"MLB 14 The Show makes its next-gen debut on the PS4 system, utilizing the system's vast resources to deliver exceptionally detailed and fluid gameplay. With improvements to presentation, a wealth of added animations, and a dramatic increase in environment and player detail, we are setting out to create the best-looking and best-playing baseball sim ever created."
PS4 Consoles Deals

Rakuten.com Shopping Coupons
Sierra Trading Post: 40% Off Sitewide *Today Only*
Added on : Wednesday May 21st 2014 10:00:03 AM
g: 0 Posted By: SieSilverStars
Views: 380 Replies: 0 Today Only, Sierra Trading Post is offering 40% off sitewide.

Linky

Use coupon code "SAFWD5414" during checkout for the discounted price.

Excludes clearance items, Men's Gore-Tex Products and a select few more.

Shipping stars at $5.95

Pictured: ALPS Mountaineering Lynx 2-Person Tent - $97.92 after coupon
Sports & Outdoors Deals

Sierra Trading Post Coupons
g: 0 Posted By: DaysFan
Views: 64 Replies: 0 SoCalif Free Event Memorial Weekend Valley Greek Festival in Northridge, CaValley Greek Festival in Northridge, CaliforniaSaturday through Monday, May 24-26, 2014The San Fernando Valley's annual Greek Festival is taking place on Saturday through Monday, May 24-26, 2014 at Saint Nicholas Greek Orthodox Church. The festival evokes the sights, sounds and tastes that define the traditional Greek way of life. Enjoy the hospitality of the Valley's Greek community, and experience the simple pleasures of life in a Greek village.Dozens of volunteers enthusiastically staff their booths, creating a convivial, welcoming atmosphere. Festival-goers will not want to miss the delicious Greek food. Delectable festival favorites like gyros and moussaka. And no Greek village would be complete without homemade pastries from Yia Yia's traditional recipes: baklava, melomakarona, and kataifi are just a few of the sweet treats to delight you.Listen to the distinctive sounds of the bouzouki and other exotic instruments played by authentic Greek musicians who perform traditional and popular songs. Delight in the beauty of the elaborate costumes worn by performers as they share their carefully practiced steps and intricate dances with the enthusiastic audience.Enjoy participating in the same dances you would perform in the traditional villages of Greece. Dance the afternoon away, eat delicious Greek food, shop in the Greek marketplace, relax and enjoy yourself under the trees in the warm embrace of the best Greek culture has to offer.Learn more about our church by taking a church tour.So maybe you can't make it all the way to Greece this year. The Valley Greek Festival is the next best thing to being there!http://valleygreekfestival.com/images/vgf_greek_festival_2014_650px_180px.jpghttp://valleygreekfestival.com/images/vgf_cares_food_pantry_650px_225px.pnghttp://valleygreekfestival.com/about/
Memberships & Services Deals
YMMV Levis In Store Clearance -- Jeans $15 or less
Added on : Wednesday May 21st 2014 09:00:05 AM
g: 0 Posted By: ebrooksbay
Views: 181 Replies: 1 I know this is YMMV, but it seems like maybe it is clearance season for Levis


I scan their clearance half a dozen times a year when I happen to walk by the store, and I just snagged 10 pairs of jeans for ~$15 each. Tons of styles all priced $24.90 and below--and my store had an additional 40% off clearance on top of that. Usually I can only find one or two pairs in my size and usually they are the more unusual colors. Today I found 10 pairs in about 8 styles and only one of the pairs rang up at more than $15 after the 40% despite some of them still having higher prices on the tags.

Anyway, I thought this might help someone out--I'm set for a few years now! Good luck!

I was at the Santa Barbara, CA store.
Clothing Deals

Levi's Coupons
Sears Coupon: Additional 25% Off Womens Kids Shoes
Added on : Wednesday May 21st 2014 09:00:04 AM
g: 0 Posted By: ShoppingChick
Views: 130 Replies: 0 Sears has an Additional 25% Off Womens & Kids Shoes with coupon code SHOE25 and get free in-store pickup.

A few notables:

Covington Women's Sandal Hera - $12.74
Joe Boxer Girl's Ava Cream Crochet Slip-On Casual Shoe - $8.24
Route 66 Baby/Toddler Boy's Bennett Brown/Red Sports Sandals - $9.74




Shoes Deals

Sears Coupons
g: 0 Posted By: sniperruff
Views: 25 Replies: 2 Looking to purchase my first home. I understand thefundamentals of home financingas I've read up the basics of mortgages over the past few weeks.

Background: I have a job in finance with decent pay but the whole industry is unstable and everyone is "fired at will" - there is no heads up, or guaranteed severance. I don't think I will be permanently unemployed if I lose my job but there could be employment gaps. Therefore, I am looking for some protection for the worst case scenario.

The house I'm planning to purchase will be about $500k. The house is in an area in NYC with good rental activity, and I project to generate at least $3,000 a month in rental income (2 units, before expenses). Therefore I should only have to pay for water and other smaller expenses. This is a new building that qualifies for property taxes abatement for about 10 years (I think) so taxes will be minimal.

I've saved up enough for 20% down, closing costs (~$30,000), and about 22 months of mortgage payments for 30-year fixed @ 4% (or 16 months for 15-year fixed @ 3.25%). Monthly payments (assume 20% down, so $400,000 mortgage) are as follows:

30-year fixed @ 4% = $1,900/month ($287,500 total interest paid over life of loan)
15-year fixed @ 3.25% = $2,800/month ($105,000 total interest paid over life of loan)

A 15-year fixed mortgage certainly saves me a lot of interest expenses, but I also don't want to be wiped out should I become unemployed for an extended period of time. My friend suggested me to go with a 30-year fixed, then prepaid whenever possible to lower my interest payment. Assume the best case scenario if I prepaid $900 monthly, then this happens:

30-year fixed @ 4% = $1,900/month + $900 prepaid ($151,000 total interest paid over life of loan)

In a nut shell, I would pay about $50,000 for an "insurance" that could let me fall back onto a 30-year mortgage with $1,900 monthly payment, which my projected rental income should cover along with other house-related expenses.

Here are a few questions:
- Is such an insurance worth it? I know it's obviously subjective, but a $50,000 insurance sounds like a lot.
- What about refinancing as a form of insurance? What if I go ahead with a 15-year fixed and then refinance (although interest rates would most likely have gone up) should I need to?
- Is this commonly done? Any potential hurdles?
- I read that the approximate cost of refinancing is 2-6% of the total mortgage. Assuming I fall onto hard times in 5 years (by then I'll have $286,000 principal left on the mortgage), does that mean it'd cost about $15,000 to refinance (assuming 5% refinance cost)? Any other associated costs?

Sorry for the long write up and thanks for any tips

TL;DR: is refinancing a cost-effective way to lower monthly mortgage payments?
Personal Finance Deals
g: -1 Posted By: bittul
Views: 118 Replies: 0 http://www.drugstore.com/brut-antiperspirant-deodorant-black-ice/qxp517921?catid=183888

http://www.drugstore.com/brut-antiperspirant-deodorant-blue-wave/qxp517922?catid=183888

Click both coupon checkboxes.
$2.49 * 2 = $4.98
-$1
-$2
= $1.98

*EDIT* Make that 2 for $1.69 with the 15% off I'm going to post in a few minutes. (valid through 5/22)
Health & Beauty Deals

drugstore.com Coupons
need advice: Amazon seller experience gone bad
Added on : Tuesday May 20th 2014 07:00:08 PM
g: -1 Posted By: flap
Views: 25 Replies: 0 My fellow citizens of FW, I need *helpful* advice on how to handle a situation selling an item through Amazon. Here's the situation:

1. I sold a brand new, factory sealed electronic item through my Amazon.com seller account. Item was shipped to buyer (trackable shipping) and received by buyer.
2. Buyer contacted me via Amazon email requesting to return the item because he changed his mind. This reason is logged in Amazon emails ("no longer want/need" is the exact wording).
3. I replied to buyer saying that is not an acceptable reason to return and that he needed to keep the item & pay for it.
4. Buyer disputed this with Amazon.
5. Amazon sent me an email about the dispute (without any reason in the email why they supported the buyer's back-out) and flagged a notification in my Amazon.com seller account. In the email, Amazon stated that I had 7 days to reply.
6. (Unfortunately for me, since I was not expecting any emails from Amazon, I was not checking my email associated with my seller account nor was I logging in to my seller account.)
7. Seven days passed and Amazon refunded the buyer the full amount, taking the funds from my seller account.
8. A couple of weeks passed and I finally happened to check my seller email and found out that #4 - #7 above happened.
9. I emailed Amazon and the buyer, independently, about the incident and requested either repayment or that the buyer send the item back to me.
10. Amazon took a hard-line stance saying that since I didn't respond in the 7-day window that the case was closed and there was nothing they would do to rectify the situation.
11. I sent an escalation email to Amazon and a 'Chris S' replied saying the case was closed, no possible recourse.
11. The buyer does not respond to me and in fact complained to Amazon that I was sending 'inappropriate' emails to him (fact is there was nothing inappropriate. I said that if he didn't return the item or pay for it that I considered it theft and would pursue it as such).

I'm incredibly disappointed/furious with Amazon on this. They refuse to assist me or provide any avenue for resolution even though I would think this behavior falls into unlawful territory. I don't believe I did anything wrong in this (am I'm being blind!?) and feel that I'm the victim of theft. The item was worth a few hundred dollars. Now I am out the *item* and the *money*. I do have some lawyer acquaintances who I can bring into this if needed. I also know where the buyer lives (in CA), his profession (realtor), and his phone.

Fellow FW friends, what should I do ? (walking away from this, eating the few hundred dollars and chalking it up to life's lessons isn't the FW way )

Question Deals
Easy Short Cut to Starwood SPG Platinum Elite Status
Added on : Tuesday May 20th 2014 06:00:04 PM
g: 0 Posted By: herzog
Views: 153 Replies: 0 copied from therewardboss.com

Want a short cut to get Starwood Platinum Status?
It takes 25 stays or 50 nights to earn Starwood SPG Platinum Status, which I think is the most rewarding Hotel status. This is not easy for the average person to attain but here is a short cut:

If you link a Starwood Amex credit card to your SPG account, you get 2 stays / 5 nights credit towards elite status and if you have both the personal and the business card you will get double that: 4 stays / 10 nights. Thats supposed to be the maximum allowed, but if you add a few more cards, you will get 2 stays / 5 nights for each card, so it is possible to earn Platinum status with just a few stays if you link a bunch of cards linked to your account.

Testing it out
Ive been testing out to be sure it works. I had both the business and personal cards so I expected to be credited 4 stays / 10 nights as they did last year. Instead I noticed there were way more stays/nights in my account 8 stays / 20 nights and that was because I had 4 accounts linked (my two plus two family members). As another test, I had another family member put my SPG # on their account and sure enough, I received another 2 stay / 5 nights shortly after. Im not sure what the maximum is here, but Im now 10 stays / 25 nights closer to Platinum half way if I qualify by nights. A friend has confirmed the same results and it seems it works if you link your friends accounts. In prior years I had more than 2 cards linked and it always maxed me out at 4 stays / 10 nights.

Will it last?
Im not sure. If its a bug and they fix it I will need more nights to requalify for Platinum again this year.



How To Sign Up
American Express is currently offering 25,000 SPG points to sign up which is pretty good (they do offer 30k -[click link to see previous offer] sometimes, but who knows when it will happen again). I dont get any commission if you sign up here are 3 ways to sign up.

1) Direct Links to Sign up:

SPG Amex Business credit card: 25k Bonus after spending $5k in 6 months, $65 annual fee waived first year
SPG Amex Personal credit card: 25k Bonus after spending $5k in 6 months, $65 annual fee waived first year

2) If you want to support me, I can refer you and I will get 5k points. I know its a bit more work (I do appreciate it) but will understand if you prefer the easier method #1 or #3. Email me your first/last name, email address (click here to send me an email), and if you want the business or personal card. You can also refer yourself or a family member for an additional card by clicking here and get the 5k referral point bonus yourself.

3) If you want to support your favorite blogger, apply for a card using one of their links. Heres a couple to check out ViewFromTheWing, OneMileAtATime, MommyPoints, MightyTravels (it seems none of them are getting any commission at this time).


It will help you re-qualify if you are short a few nights
If you think you may fall short of re-qualifying for Platinum this year or if you would like to attain Platinum status, signing up for these cards will help. Unless you are currently working towards a minimum spend requirement to get a sign up bonus, this is my favorite card to use to because the SPG points are very valuable.



Are you I eligible for the sign up bonus if I had the card in the past?
Not too long ago, there were many posts stating that American Express will no longer allow repeat bonuses. That means you can only get one bonus per card per person per lifetime for new accounts starting May 1, 2014. See the posts here: FrequentMiler, Milepoint, and Flyertalk, beginning May 1, 2014. As far as I can tell, the terms and conditions on the application doesnt include this language and say you are not eligible if you had the card in the past 12 months. To me that means the new rules have not gone into effect.

How to get more stays towards elite status
Dont forget that award stays also count towards elite credit and that members are allowed to receive credits for up to 3 rooms per stay (for example: you plus 2 more rooms for friend). I know some people do mattress runs at your closest Category 2 hotel which costs a only 3,000pts per room per weekend night (Saturday and Sunday). Obtaining / re-qualifying for Platinum status this year means you will retain status for all of 2014 and 2015, with the expiration Feb 28, 2016! Personally, I prefer to re-qualify hitting 50 nights instead of 25 stays with the main advantage that Plat50s receive 10 suite night awards (SNAs). Platinum members qualifying with 25 stays, you are at the mercy of the check in agent for suite upgrades (but I often get upgrades anyway at most Starwood hotels). For Plat50s that would like a confirmed suite and apply SNAs to the reservation, the system begins checking for suite availability 5 days prior to check-in. If the standard suite is available, its yours and confirmed via email! A friend has successfully redeemed 28 out of 30 SNAs mostly great redemptions such as (click the link to see the property and suites):

the Fantastic Suite at W Guanzhou,
the Executive Suite at the Westin Guanzhou,
the Pualani Suite at Sheraton Waikiki,
the Deluxe Suite at the Equinox hotel Chares Orvis Inn, and
the One Bedroom Suite at Le Westin Tremblan
Here is the full SPG Platinum Member Guide
Credit Deals
g: 0 Posted By: fsidos
Views: 96 Replies: 0 http://www.6pm.com/western-chief-kids-firechief-rainboot-toddler...

List Price: $27.00
Deal Price: $20.65

Product Information

Vibrant colored Firechief rainboots for ultimate puddle splashing fun.
Inspired by real rubber fire boots.
These are made with all natural rubber.
Just in case a few raindrops sneak in the moisture-absorbing cotton linings will do the trick.
Two handles make it easy for kids to pull them on and off.
Lightly treaded rubber outsole.




Kids Clothes Deals

6PM Coupons
Registering Business Names for Fun and Profit?
Added on : Tuesday May 20th 2014 04:00:07 PM
g: 0 Posted By: Table83
Views: 0 Replies: 0 I know of a medium sized company who was purchased in Washington last year. Sales for this company are $1MM - $4MM the last few years. No-one has renewed the registration with the Secretary of State and the company is still operating as the original name even though it is owned by an umbrella company. Is it possible for someone to step in and register that name? Could they then send an enforceable cease and desist letter to the original company telling them to stop using the assumed name? Could you then sell the name back to the original company? Could the company just re-register the name with an extra period and go on operating. (IE ABC LLC gets registered by an outsider. A cease and desist letter is received, and the company re-registers as ABS L.L.C.)

With domain names I know that people do this all the time. I am curious if it would work in the business name world. If not in Washington, would it work in any state?
What could my crazy mother being attempting, now?
Added on : Tuesday May 20th 2014 03:00:06 PM
g: 0 Posted By: Dus10
Views: 60 Replies: 3 I will attempt to keep this short. I am essentially estranged from my mother. She divorced my father when I was five and then he died a few months later in an auto accident; they were married for just at five years. She remarried a few years later and the relationship begat my half-sister. After over 20 years of being married, they have now divorced. My mother is a lazy-drunk-drug-addict.

I get a text from her today asking for my father's social security card and death certificate, which she says she gave me (I don't think that ever happened).

So, I want to know what she is trying to do. Here are my thoughts:

1) Try and get social security spousal death benefits: I don't think that they were married long enough for her to be entitled to anything. I (my mother) received social security survivor benefits until I graduated high school and got married. I thought the amount of time that someone had to be married for retirement benefits was seven years... well, she isn't old enough to collect any retirement benefits, and they were married when he died, so I don't think so. One of her loony friends may have given her the idea, though.

2) Maybe she is going to try and open credit in his name: Long shot, but I think she stole my identity at one point, anyhow. The death certificate request could just be "cover" for asking for his social security card. His SSN is searchable online, but I am not telling her that.

Is there any chance that she could be successful in pulling either of these off? Is there any other obvious thing I could be missing? Should I contact the authorities?
Question Deals
another to rent or sell?
Added on : Tuesday May 20th 2014 02:00:08 PM
g: 0 Posted By: releasefoobar
Views: 10 Replies: 0 We are moving and are considering renting vs. selling our current home. We toyed with the idea of a rental property but figured we should buy a cheaper house in the neighborhood, fix it up a bit, then rent it. There are pretty beat houses in the neighborhood going for 50-90k, we purchased this house 5 years ago in fairly decent shape for 130k. We are also concerned with the current housing stock in the area used for comparable. There are very few houses that have been fixed up then sold, but the ones that have sold fast.

The dilemma that we have with our current house is that we did upgrades over the past few years with the intent of selling not renting. We refinished the hardwood flooring throughout, have mid-grade kitchen cabinets with granite countertops, refinished the bathtub, etc. We are not sure that it is worth the potential risk of damage to the property if/when we choose to sell it but we don't want to eat money by selling if renting might work out a little better. Here are the numbers

Average rental in this neighborhood 1200-1450/mo
Price we think we could get for ours 1300-1400/mo
Final sale price we think we would end up getting 140-145k (minus closing costs and seller subsidy)Purchased the home for 130k
Still Owe 113k
mortgage + insurance + taxes 1048

1048 mortgage + ins + taxes
130 10% vacancy
130 10% maintenance
40 water
----------
1348 rent - is this the proper way of calculating the rent price?
Real Estate Deals
g: 0 Posted By: remick
Views: 101 Replies: 0 http://www.amazon.com/gp/product/B00JET3G6S

A great guide about caring for and preserving your tack, the tips inside will be helpful for all levels and disciplines of riders.

All tack is very personal, the way it is made, the design, look, and fit are all tailored to a specific type of person and animal. Often times finding the perfect saddle or bridle is very difficult, and when you do find that perfect piece of tack you want to hold onto it for a long time.

There are quite a few things you can do to keep your tack (leather or otherwise) in good working condition for years to come. But, first of all it begins with learning how to take the best steps to care for it. This book will give you some great ways to care for your saddle and also a few tips and tricks of the trade that can make things easier.
Totally Free Deals
g: 0 Posted By: remick
Views: 87 Replies: 0 http://www.amazon.com/gp/product/B00JBNWRKI

Looking to save money on college?

In this book, R.P. Glenn shows you how to earn a bachelors degree for $10K (or less!). Professor Glenn offers 97 powerful strategies to help you save A LOT of money on your college tuition without scholarships, a Pell grant or financial aid. With all of the proven techniques in this book, you will be able to drastically reduce your student loans.

You will learn:

Which types of college credits are the least expensive
Which credits you should take early in your college career
Which credits you should earn through classes
Which credits you should earn through other means
Which programs can save you thousands of dollars
How to save thousands of dollars no matter which school you attend



also free

50 Questions Every Graduate Must Answer
http://www.amazon.com/gp/product/B00KBBXIDO

An awesome graduation gift for any recent grad out therea refreshingly honest, hilarious and heartfelt guidebook for anyone in that confusing, awkward post-grad stage of life. The book is a perfect blend of wit and wisdom. I loved Burnetts humorous advice on dating and marriage and found myself taking mental-notes on subjects like career risk-taking and personal finance.
Priscilla Chan - Class of 2013 - Stanford University

You might have thought you left behind the world of high anxiety testing the moment you donned your commencement robe and cap, and accepted your diploma on a stage far, far away. Ahhhthe naivet of youth. But as you will walk deeper into the adult world, you will realize that it will be lifes questions that will truly kick you in the arse (and lifes retake policy wont be nearly as generous as your teachers once was). Using stories from history, psychology, economics, literature, and a lifetime of answering incorrectly, Eric Burnett throws out the key questions all graduates must face, while giving them the ammunition theyll need to choose wisely. Along the way, he might leave you second-guessing a few of the choices youve already made, while spurring you to ponder what questions didnt make the cut.
Totally Free Deals
Insta Raised Bed with Never Flat Pump $89.99 w/FS @ Amazon
Added on : Monday May 19th 2014 10:00:04 PM
g: 0 Posted By: ctgolfer
Views: 72 Replies: 0 Inflated Dimensions: 80" x 60" x 19"
Patented, powerful internal NeverFlat AC pump inflates and deflates bed quickly.
Customizable firmness selection.
Raised height makes getting into and out of bed easier.
Location, temperature, and humidity will affect the firmness of the airbed. 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.
'NeverFlat pump' has to be turned on even while use in order to keep the bed fully inflated. Carry bag included

www.amazon.com/dp/B006OU4ERA/ref=gbsl_tit_l-1_0942_cabfdf6d
AZ property management. . .
Added on : Monday May 19th 2014 08:00:11 PM
g: 0 Posted By: hambirg
Views: 5 Replies: 0 My mother owns a park model in a very nice park in AZ. It is also in a prime location, about a block from the main club house, pool, etc.

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

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

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

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

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

Question Deals
g: 0 Posted By: bittul
Views: 0 Replies: 0 Or just $6 for 4 bottles if you have 5x S&S!

Besides for the time they gave these away for free a few months ago, @ under $2 a bottle, this is the cheapest it gets.

Click 15% coupon, change quantity to 2, and click subscribe.

http://www.amazon.com/Tresemme-Keratin-Smooth-Infusing-Shampoo/dp/B00GVJ1QIO/
g: 0 Posted By: st4rdust
Views: 96 Replies: 0 Hollister is offeringup to 70% offtheir clearance section. Prices start at $5.85. Free shipping on orders of $50 or more - otherwise, shipping adds $5.00.

Sizes available depend on the item. At the time of posting, most items had a few sizes to choose from.

Shop Women
​Shop Men
Hollister Deals
Keeping credit cards when moving to Canada
Added on : Sunday May 18th 2014 04:00:08 PM
g: 0 Posted By: JohnnyWise
Views: 73 Replies: 1 Hello everybody. I will be moving back to canada after living the past 7 years in USA. I'm a Canadian citizen, I will cancel a bunch of my cards but would like to keep a few active such as the IHG chase card that gives me a free night annually as well as possibly chase ink plus and Barclay arrival card. I'm wondering if this is possible. If I call the cc company and give them a new Canadian address will they cancel the cards? Do I need to give them a friends US address to keep them?
Credit Deals
Lowes orbit 2" and 4" pop up brass sprinkler .48 ymmv
Added on : Sunday May 18th 2014 01:00:02 PM
g: 0 Posted By: tomeaine
Views: 11 Replies: 0 Grabbed a few at a local Lowes Dartmouth,Ma
.48 for 2" .50 for 4"
Cheapest found online was 2.49 each
4" qtr pattern 249651 Model #: 54221L.
4" half pattern 249639 Model #: 54222L.
2" Item #: 157364
Model #: 54241L
Home & Garden Deals

Lowe's Coupons
foreign money transfers
Added on : Saturday May 17th 2014 11:00:07 PM
g: 0 Posted By: geraci
Views: 54 Replies: 0 Hello, I am looking at transferring money to and from Europe and would like to here other people's experiences. Note my interest it to minimize transaction costs, I dont care if it takes a week for the money to show up in the destination account (this almost excludes wires, which are very quick, but also ridded with fees at both ends and with intermediaries).From what I've seen:

1 - US banks always get you with very high transfer fees and bad exchange rates (many % over spot rates). Forget them.

2. - Banks in Europe can have accounts in USD, so one in principle can transfer USD directly. Exchange rates at European banksare much better than those of US banks, but I don't know how much better. The issue is finding then a low cost USD to USD transfer service.

3 -Services such as Paypal (charges 3% foreign exchange fee, $25 transfer fee - charges the same for USD to USD transfers) or Western Union (worse exchange fees 4.5% than Paypal, plus $25 transfer fee).

4 - Try one of the many online exchangeservices. For example, I looked into XE Trade. They claim small spreads, but do not give you any idea of what their spreads are until you sign up - Long process, two forms of ID, and possibly a credit check. They also do USD to USD transfers for ~$75 transaction fee (comparing with Paypals 3%, this is cheaper when transferring more than $1.7k, not including the cost to exchange the funds in Europe). Have also seen many other services, many based in the UK, such as xoom, transfermate, fftglobal, hifx....

Questions:
- does anyone have experience with XEtrade, Xoom, Transfermate or other such services?
- whatis your favorite provider of inexpensive foreign money transfersHave searched the site and only found a few very old posts.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 51 Replies: 0 Combines the convenience of an electric razor with the closeness of a traditional shave
Gives you a closer, safer, faster and smoother shave than any other razor
Features nine rotating blades at 30 revolutions per second
Patented spiral windings eliminate irritation
Patented safety guards protect your skin from each blade stroke, ensuring fewer nicks and cuts
Electric wet shave
Dual speed for light or heavy hair
Low-battery indicator
Rechargeable
Fully charged in 1 hour
Automatic-switching charger (100-240 volts) for worldwide use
Brand: Emjoi
Model: 4-00168-02
Condition: New
Warranty: 90 Day
Packaging: Retail

http://1sale.com/electronics/other/4-00168-02/
Hair & Skincare Deals
g: 1 Posted By: ubergetworm
Views: 202 Replies: 0 Samsung UN65F8000 65-Inch 1080p 240Hz 3D Ultra Slim Smart HDTV for $2468.90 and no tax on Amazon(sold by Video & Audio Center)
Linky

I was looking for this model of TV for few weeks now, and this is cheapest I found so far from a reliable seller.
LED TV Deals

Amazon Coupons
g: 0 Posted By: robronson
Views: 125 Replies: 0 I travel for a living and build up a lot of free frequent flier and other reward points. However, since I travel so much for work, I have zero desire to travel for fun, at least anytime soon. I thought about saving the points for use in a few years when I eventually stop traveling consulting work, but as experience of recent years dictates, I can guarantee a huge devaluation of the points over that time frame. Also, there's no reason I couldn't cash in my points now, and then about 6 months before I decide to "retire" from this line of traveling consulting work, start saving again since 6 months worth of points for a weekly traveler is enough reward points for 3 to 5 years of vacations.

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

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

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

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

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

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

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

Justification stated, I feel more comfortable cashing out for Amazon Gift Cards because it feels less risky and more ethical. Not sure what to do with Marriott, Hilton, IPG points since they don't appear to be able to cash out for any GCs worth using.
Question Deals
Has anyone heard of/tried FutureAdvisor?
Added on : Saturday May 17th 2014 11:00:05 AM
g: 0 Posted By: savvy002
Views: 22 Replies: 0 I was interested in seeing what my guidance options were in terms of stocks and bonds. I do have a financial advisor, but if I want him to manage my portfolio, it is going to cost me a fair amount of money. I wanted to see if there were any other options and stumbled upon www.futureadvisor.com. It doesn't have a lot of reviews online and the few ones out there are negative about the paid version of the site.

I just wanted to know if anyone had any experience regarding this service.
Question Deals
g: 1 Posted By: Revenant
Views: 209 Replies: 0 Dickies Men's Full Zip Thermal Hoody w/ Sherpa Lining - $15.00 with free super saver shipping on orders $35+ at Amazon, Size (M,L,XL)

LINK

Only a few reviews on Amazon, but all were favorable.
Clothing Deals

Amazon Coupons
iRobot Vacuums and Accessories 50% off at Meijer YMMV
Added on : Saturday May 17th 2014 08:00:04 AM
g: 0 Posted By: isjka
Views: 78 Replies: 0 Last week I went to the Meijer in zip 60543 and saw irobot display with Clearance marked all over. The 770 specifically I eyed was marked down to $375. Today I took one of two 770's now 50% off marked at $250. Picked up a few accessories for 50% off as well. Entire irobot display was 50% off. During checkout the wife entered the perks id and we saved an additional $25 off the $250 purchase. Looks like Meijer is clearing out the entire irobot inventory. Took a pic of the display in case someone is interested.

Happy shopping.
Appliance Deals

Meijer Coupons
Timbuk2 25% off for selected models
Added on : Saturday May 17th 2014 08:00:02 AM
g: 0 Posted By: drgopoos
Views: 72 Replies: 0 Few websites have this
Newegg -http://www.newegg.com/Product/Product.aspx?Item=03V-003G-003F3
Amazon -http://www.amazon.com/b/ref=amb_link_414782482_3?ie=UTF8&lo=spor...

May be other sites too
g: 0 Posted By: wwinters
Views: 177 Replies: 0 I found the Style Selections shades in Sandat my local Lowe's marked down to $39.97 (reg $79)for the 8 ft. size then checked online and found the 6 ft. at a few of the other stores around me so I ordered online (Item said shipping not available) and picked them up for $29. 97 (reg.$59). 10 ft. is out in my area but is $49.97 (reg. $99)
style selections light filtering shades

Home & Garden Deals

Lowe's Coupons
g: 0 Posted By: goldsheet
Views: 161 Replies: 0 LG 60" Class (59.8" Actual Diagonal Size) PB6600 Series Smart Plasma TV (60PB6600) $688.00+ Tax - Free Shipping or Local Pick

PB6600 Series Smart Plasma TV

This deal is back, was $699 the last few times, now $688 from frys.com with free shipping.

One can also do this deal with a price match at Best Buy.
I found this easier/better, with free delivery and setup in only two days.
Also, there may be a Best Buy credit card promotion available,
I received 10% back in rewards


Plasma TV Deals
Job/Career/Life decisions. Advice and guidance is welcome
Added on : Thursday May 15th 2014 04:00:06 PM
g: 0 Posted By: nasheedb
Views: 93 Replies: 0 I'm 27 years old. I work in IT and I make $107k a year. Last fall I accepted a position in Switzerland, but so far I've been unable to obtain a work permit. Thread about thathere.I have at most 2 more months until I receive a final decision, but I'm not optimistic at all anymore. In the meantime, I had another job come up, a contract opportunity which pays a fair bit more than what I'm making now, but it wouldn't be very challenging. My dream job would be to work as a pre-sales engineer or as a solutions architect.

Now let's talk about my GF. We've been together for nearly 3 years now. I would like to keep her around for a lot longer, she's a keeper. She's defending her dissertation next month and after that she'll have to find a post-doctorate for 2-5 years. Afterwards, she plans on pursuing a career in academia. She is currently interviewing for a post-doc in Switzerland and has a very good chance of getting the position, as well as a work permit.

Here are our options as far as I can tell:

1. (preferred, but unlikely) My Swiss work permit comes through and my GF gets a post-doc in Switzerland
pros:

I make close to $150k/year with overtime/on-call pay, she makes about $105k/year
We share an apartment, reducing our expenses
We get to explore all of Europe

cons:

​high cost of living, however our salaries would be more than enough to live well in Switzerland

2. I take the contract job, she looks for a different post-doc in the US.
pros:

I make $80/hour on a W2 with benefits
I have a lot of control over my job, it's basically a one-man show

cons:

my gf would make $45k/year, she would have to live in a high cost area, and we wouldn't be living together
my job wouldn't be very challenging
I'm not growing profesionally
my gf wouldn't be able to find the best post-doc she can, she would be settling for something average

3. I look for a pre-sales engineer or solutions architect job, either here or overseas. I would have to wait until I have resolution on my Swiss visa before I can proceed with this path
pros:

I'm doing exactly what I want to be doing
Ideally, my gf and I would be living together
I make a bit more money than I currently do
This job typically requires at least 50% travel (my gf would be OK with this)

cons:

There simply aren't that many of these jobs around
I have the required technical knowledge and experience for the job, however, I don't have much experience with responding to RFIs/RFPs and have limited experience with giving demos or public speaking
I may not have the right personality for the job. I'm an introvert, and at times can be socially awkward around strangers. I definitely do not have the salesman personality
If the job is in the US, my gf would only be making $45k/year.

4. I can take the $80/hour offer to my current boss and I can ask him to see what he can do with it. I'm pretty much at the maximum pay for my job grade, so I would pretty much need to be promoted in order to get more money (which we've talked about recently, he said it could happen within the next year). I am currently working remotely and very rarely have to travel. I can probably probably get my boss to agree to let me work from Switzerland

pros:

I can probably get another $5-10k more
my job is actually challenging, and I get to do things I enjoy
If my GF gets the Switzerland job, I can stay with her for extended periods of time (I can stay in Switzerland 90 days at a time as a tourist. I can probably fly to neighboring countries, and take a train into Switzerland so my passport doesn't get stamped, so it doesn't look suspicous)
my gf would make $105k

cons:

it would be really shitty of me if my boss goes out of his way to keep me with the company, but a few weeks later I get my Swiss work permit, and I end up quitting
my coworkers are f#cking morons
I would be pretty much living in Switzerland illegally. I don't know what would happen if I got sick or injured. I don't know if my US-based health insurance would cover me.
my boss may not go for it
going back and forth between the US and Switzerland will get old after a while, and would be expensive too
high cost of living, although I think we would make enough to live comfortably

Any thoughts or advice?
Question Deals
BoA sent a new card. Should I update ?
Added on : Thursday May 15th 2014 02:00:06 AM
g: 0 Posted By: free147
Views: 101 Replies: 0 I got a new debit card from BoA, but they are cancelling my old card. Anyways, I have rented few books and stuff using my old card (less than $100 in value ) and was wondering what would happen if I don't update my new card details. Would the companies be able to take money outta my account with the old card details ?
Question Deals
g: 1 Posted By: remick
Views: 189 Replies: 0 Think Analog - Work Digital: Tracking & Recording: More than 50 techniques step-by-step secrets for Recording Drums, Bass, Guitars, Vocals, and more
http://www.amazon.com/gp/product/B00KAKBBYE

Recording Secrets Revealed
Learn to get Killer Sounds and Recordings like a Pro!

In the DIY market there is a wealth of knowledge out there on mixing that claim they are giving away their secrets, which they are, but it's polishing an already great sounding recording. Not a lot of information on how to get that initial sound. There are many Recording & Music Schools out there that are teaching a very minimal and safe way of doing music production and techniques, but charging a bundle.

Not all schools are robbing people blind, but there are those who have a wealth of gear, but not a wealth of knowledge. A microphone plugged straight into Pro Tools and recorded as loud as possible, while letting the mixer figure out the rest is not the way professional records are made.

Why does this happen?
Whether it is intentional or not remains to be seen. It's a way of giving you the recipe without showing you how to find and prepare the ingredients.

What is the result?
Most independent records that come out end up sounding thin and weak. The mixes sound over processed to compensate for a lackluster recording. Worst of all the artist is not being well represented of there art.

Where do we go from here?
Most worthwhile studios are closed or are closing up. There are fewer chances to have internships or apprentice under a true engineer/producer. There are some producers that still cover their settings with black curtains so you don't see what they are doing with their signal chain.

This eBook series shows what's behind the curtain and helps you get the most out of your recordings.

This Book Covers:
How to plan your recording sessions like a professional engineer and producer
Keys to "how" and "why" you need to do Preproduction
Lots of images and references so there is no guesswork
Learn the two biggest mistakes in recording audio and the simple changes to sounding bigger and open
Working with Hybrid effects and/or 100% in the box
Straight-ahead approach for novice and experts alike
Studio secrets used by top audio engineers
Drums, Bass, Guitars, Acoustic Guitars, Piano, Vocals, Gang Vocals, Strings, & more...
Books Deals

Amazon Coupons
Dishonored PC download $4.99/75% off @ gamefly. Other DLC 50% off.
Added on : Wednesday May 14th 2014 01:00:07 PM
g: 0 Posted By: chilig
Views: 126 Replies: 0 This looks like a pretty good price on a really good looking game. $4.99 for Dishonored PC downloadable at GameFly:

gamefly-dishonored

A few DLC add ons for that game are also 50% off - in the $2-$5 range.

Edit:
I guessed the 20% off code and it worked!
MAY20OFF
Video Games Deals

GameFly Coupons
g: 1 Posted By: desidealmaster
Views: 190 Replies: 0 Black and Decker Cordless Trimmer & Edger, 36V Lithium-Ion battery at Lowes: $57.79, 50% off

Found one at North Charlotte storeand few in other stores around. Extreme YMMV as with other Lowe's sale items.

This model is being discontinued by B&D because they replaced it with 40V battery. Good reviews (4.4/5 from 574 reviews) at Amazon: http://www.amazon.com/Black-Decker-LST136-Discontinued-Manufactu...

Good luck in finding one near your area.

Even hotter when you combine with $10 coupon and 5% CashBack currently from Chase Freedom or Discover cards.
Garden Deals

Lowe's Coupons
Dependent Care/Preschool Tax Implications
Added on : Tuesday May 13th 2014 10:00:18 AM
g: 0 Posted By: raringvt
Views: 3 Replies: 0 Wife & I are enrolling our son in a pre-school this fall for 2 days a week at a cost of $350/mo. I'm trying to get a handle on the tax treatment of our expenses. We both work, both have a dependent care flex spending option through our employer (nothing contributed to it for 2014, so unless we have a qualified event this year, we're SOL). After reviewing a generic 1040 & Form 2441 as well as reading a few articles on the topic, I'm not sure I'm 100% clear on our best course of action.

It appears from form 2441 that since our AGI is > $43k (about $68k in 2013--s/b around the same in 2014), the most we can take as a credit for our expenses is 20% of our out of pocket amount. For Aug-Dec that's 350*5=$1,750 * .2 = 350. So our credit would be $350 when our expenses total$1,750?

If I had contributed $1,750 to my dependent care FSA, it would have knocked $1,750 off my wages for tax purposes, which, excluding any technicalities (I'm not trying to be exact here) would reduce my taxable income by $1,750. Assuming we're in the 15% federal tax bracket: 1,750 * .15 = 263 benefit for using the employer dependent care FSA. Also, my state tax (VA 5.75%) would be reduced (since my AGI is reduced) by 1,750 * .0575 = $100. Bringing my total benefit to $363.

Am I following this correctly? It's only slightly adventageous to use my FSA? In 2015, I'll be paying for a full year...but it essentially works out the same. If this is correct, for 2014, I'll just take the credit and for 2015 I will plan to contribute an amount that I KNOW we will spend to my (or wife's) FSA. Any other strategies to make this cheaper?

g: 1 Posted By: remick
Views: 194 Replies: 1 http://www.amazon.com/dp/B00GIAWDQK

Who Else Wants to Easily Repair and Maintain Their Bicycles At Home, With Tools That Can Be Found Anywhere?

At Last! Everything you ever wanted to know about bike repair - revealed!

Did you ever want to repair your own bicycle at home?
Do you dream of being able to remove, clean or replace individual parts of your bike with zero anxiety?
Are you interested in repairing and maintaining your bicycle/s at home?

If you answered "yes" to any of the questions above, then this may very well be the most exciting message you've read all day. Here's why...

You're about to discover a proven system for bike repair that is so easy to follow that anyone can do it. This system works whether this is your first bike or tenth bike already - anyone can learn this system in a matter of days.

Here's the thing: repairing your bike is NOT rocket science.

Anyone can learn it and absolutely anyone who wants to can master it, too.

When you know how to use basic tools like the screwdriver or the wrench, you can learn how to repair a bike like a pro.

What most people don't realize is that maintaining a bike is also extremely easy to do. I know, because...

I've been repairing and maintaining more than five different bikes for over fifteen years!


Here's just a taste of what you'll discover...

You'll discover much more in this rare and candid guide to expert bike repair.
How to winterize your bicycle with these 3 simple techniques...
3 little known, yet simple ways to avoid damaging the braking mechanism...
Secret of expert bike mechanics that few people ever know about...
3 proven steps to better lubrication...
2 simple keys (that are right in front of your eyes) to rust-free hinges and joints...
WARNING: 3 things you should never do when it comes to using antirust agents like WD40...
You'll discover in just a few short minutes how to properly remove a wheel...
6 time tested and proven strategies for lubricating all of the parts of a bike...
When to apply antirust and when to apply machine oil to your bike parts...
7 everyday but often overlooked tips and tricks for preserving your shock system...
A pennies on the dollar approach to preserving the metal frame of a bike...
How often to apply lubrication...
How to properly remove nuts and bolts from tight corners of a bike...
The once famous but forgotten secret that instantly allows you to repair a deformed rim even when you are on the road...
Totally Free Deals
Roxy.com Coupon: Extra 50% Off Already Reduced Clearance
Added on : Tuesday May 13th 2014 03:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 114 Replies: 0 Roxy has an Extra 50% Off Already Reduced Clearancewith the promo code ROXY50plus free shipping.

A few favorites:

Fairness 6 Backpack - $11.50 after promo
Mimosa IV Sandals- $4.75 after promo
Baby Kisses Shoes (Size 1)- $6 after promo
Sun Runner Coverup- $9.50 after promo

Clothing Deals

Roxy Coupons
g: 0 Posted By: bittul
Views: 91 Replies: 0 $4 less than the deal posted by "staff" from Amazon a few days ago... So if you on the bench before, grab one now.

Click here to activate $5 off $40.
http://www.drugstore.com/user/promo.asp?code=3397AA44&aid=281067&aparam=14wk36dsCOUPS

Click here (Click $10 off coupon), and add to cart.
http://www.drugstore.com/philips-sonicare-essence-sonic-toothbrush-hx561001/qxp406781?catid=186720

Price in cart. $25.99

Shipping is free with Shoprunner, or by adding another item or two. bittul.
Health Deals

drugstore.com Coupons
BOB Strollers (various models) 36% off at Kohls.com
Added on : Monday May 12th 2014 08:00:02 PM
g: 0 Posted By: Yuyak
Views: 7 Replies: 0 There are two stacking coupons right now:
JUST4YOU and BABYSALE20 gets you 20% off each for a combined 36% off. Not entirely sure what each of those coupons work on (didn't work on some car seats I tried) but they seem to be working on all the BOB strollers that I looked at.

Here are a few examples deals:
BOB Revolution SE for $295 after coupon
BOB Revolution CE for $300 after coupon
BOB Sports Utility for $250 after coupon
BOB Ironman for $269 after coupon
BOB Strides for $307 after coupon
BOB Motion for $224 after coupon
BOB Motion Travel System for $333 after coupon

Also seems to be working on various BOB accessories and "Duallie" models as well!
Free clarinet reeds by DAddario
Added on : Monday May 12th 2014 02:00:08 PM
g: 0 Posted By: remick
Views: 26 Replies: 0 https://www.surveyusa123.com/S.aspx?s=709&r=4EUD8sAMtUe.BhAbBESC...

Thank you for your interest in this fun and exciting project! Woodwind & Brasswind is proud to be partnering with D'Addario Woodwinds as they move toward the release of their latest generation of Reserve reeds (a box of which will soon be at your door).

​After you fill out your mailing address on the next pages along with your preferred reed strength, D'Addario Woodwinds will be shipping you a selection of their new Reserve reeds. We'll give you a few weeks to try the reeds out, and after you've had some time to test them, we'll be sending you a short survey to provide D'Addario Woodwinds with your feedback about your experience with the new Reserve reeds.

On a final note, we'd like to remind you that, as always, no one will try to sell you anything as the result of your participation. Our goal is to get your honest feedback to help Woodwind & Brasswind and its partners better serve your needs.
Surveys & Rewards Deals
g: -3 Posted By: tys901
Views: 327 Replies: 5 I had been watching these for a while and the prices fluctuate wildly based on availability. Looks like a few of the colors are in stock at some of the lowest prices I've seen.

Aurora Purple Haze$189.99
Durango Glacier Blue$194.99
Moab Purple Haze$189.99
Pivothead HD recording polarized sunglasses $189.99-$194.99
Added on : Monday May 12th 2014 06:00:06 AM
g: 0 Posted By: tys901
Views: 112 Replies: 1 I had been watching these for a while and the prices fluctuate wildly based on availability. Looks like a few of the colors are in stock at some of the lowest prices I've seen.

Aurora Purple Haze$189.99
Durango Glacier Blue$194.99
Moab Purple Haze$189.99
Free Kindle Book- Italy for First Timers
Added on : Sunday May 11th 2014 04:00:16 AM
g: 0 Posted By: remick
Views: 22 Replies: 0 http://www.amazon.com/gp/product/B00I9P0VO8

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


also free

Colosseum in Rome - a travel guide and tour as with the best local guide (Rome Travel Stories)
http://www.amazon.com/Colosseum-Rome-travel-Travel-Stories-ebook...

Italy Luxury: Family Hotels & Resorts
http://www.amazon.com/Italy-Luxury-Family-Hotels-Resorts-ebook/d...
g: 0 Posted By: Revenant
Views: 129 Replies: 0 Lanikai Spalted Mango Concert Ukulele w/ Fishman Kula Preamp (SM-CEK) - $299.00 w/ FS at Musician's Friend/Stupid Deal

LINK - $299.00
Product LINK - $489.00
Next lowest price: $489.00 at Woodwind&Brass
A few reviews at Amazon
Music Deals

Musician's Friend Coupons
g: 0 Posted By: remick
Views: 47 Replies: 0 http://www.amazon.com/gp/product/B00FL2CPVY

Men are understanding that prostate prevention is the best way of not becoming one of those statistics. Why? Because prevention works once you understand prostate cancer causes and eliminate those factors from your daily diet.
Unfortunately, too much conflicting health information and too many diet recommendations may not serve you well in the end. Stop red meat and dairy? Eat soy instead or not? Margarine better than butter? Low fat diet best? How in the world to make sense of such eminent claims and "scientific" studies?
Ronald M. Bazar, author of the groundbreaking book Healthy Prostate: The Extensive Guide to Prevent and Heal Prostate Problems Including Prostate Cancer, BPH Enlarged Prostate and Prostatitis, wrote this new book to cut through the diet maze and steer you in the right direction. His thesis is that no one diet is perfect for everyone because we are all so unique.
He addresses the causes of prostate disease and prostate cancer in particular so you can easily understand what to avoid and what to do instead. He shows you how to achieve real prostate health without all the exaggerated claims by the supplement pushers.
Your prostate gland is remarkable! Among its many functions, it filters out toxins from your ejaculate. That means the worse you eat, the more toxins that will affect your prostate and the earlier your prostate can show signs of poor health, including prostate cancer. If you change your habits and remove the causes as soon as possible, your prostateand your sex lifewill have a better chance.
The Prostate Cancer Prevention Diet clearly lays out the path for men who want to prevent prostate conditions and/or who want to take watchful waiting up a few notches. He examines all the pros and cons of different diets with insights to help you determine which foods are best for you in order to have a healthy prostate.
But why wait until your prostate function is compromised to learn what foods you shouldnt eat? Prostate prevention is your best protection from prostate cancer.
Ronald M. Bazar, a Harvard MBA, walked away from emergency prostate surgery twice to use natural methods to heal his prostate instead. A decade of research and tens of thousands of dollars of self-experimentation are what have made him an expert in men's natural health in general and prostate health in particular.
Books & Magazines Deals
Out of Network charges
Added on : Friday May 09th 2014 04:00:09 PM
g: 0 Posted By: Dilbertic
Views: 44 Replies: 0 Late Nov 2013 I broke some toes and my doctor refereed me to this foot doctors office, but the foot doctors office told my doctor that the doctor they wanted me to use didn't handle broken toes, and suggested I use another doctor within that office. So they made an Appt with him and I went also knowing he was covered under my Ins plan.

I knew the minute I walked in this office I should have walked right out, it was a fast food shop, long lines and quick turn around, but I waited over an hour, half of which was paperwork and then when I asked how much longer they put me in a room and the Doctors Asst came in and talk to me, he was great, but all really did was take notes and look at my foot and xrays I had from my doctors office and then leave the room, and brief the primary doctor, who came in for about 10 minutes total telling me this is what you need to do and try to up sell me on a knee cart he helped design, and a bone stimulator for my foot and of course a boot.

I said no to the knee cart that wasn't going to happen for broken toes, and I have to think about the bone stimulator and yes to the boot, so he calls in this guy who say " I am a in house service " for the doctor and makes a molding of my foot for a boot and tells me it will be ready in a few weeks. 1 week later I get a call to come get a temp boot made out of plastic and a quick fitting for it. This boot was one of those you could order online and runs about 80 to 100 bucks and told the molded cast boot will be in the next few weeks, so 2 weeks later I get a call to come try on the other boot.

My foot is still swelled up and its a really tight fight, but wait this is not a soft cast boot, it's a custom black leather open toe'd boot with laces and boot straps and it hurts to put it on, and I am told I am going to have to find a shoe person to custom enlarge my shoe so the boot will fit inside of it.. WTH

A week later I check online with my Ins company, I am billed 300.00 for the plastic boot and 1500.00 for the black boot and it says it's only cover at 50% because this in house service provider is out of network which I was never told, so I call them up and they said yup we are not covered my that Ins company and I asked why wasn't I told this and they had no answer. I called my Ins company and they said they would look into it and said nope we will only cover 50%. The worse part is my foot doctor has some sales lady call me and said your Ins company already approved the bone stimulator for the toon of 3700.00 paid out and billed my Ins company for almost 6k, which sells for about 800.00 to 1k online.

I went back to the doctor and explained all this and said the boot hurts to wear and my foot swells up even more when I wear it which was only 1 time and he said not to wear it, but I can't return it, because it's custom. So now the in house service place is hounding me to pay my portion which I was tricked into using them by my in network house. I am pretty sure kick backs are going on here and wonder if that's even legal?

So what can I do about this bait and switch

Thanks for input
Question Deals
Looking for a whole bunch of advice on saving towards a home
Added on : Thursday May 08th 2014 06:00:06 PM
g: 0 Posted By: SyZpuzzler
Views: 84 Replies: 3 Hello,

Here is my entire backstory since I feel it is at least partially necessary to understand the situation:

29 years 5 months, currently working at Allstate making 39k a year in CA. UCLA degree in stats. Didn't finish until I was 26, long story. Current financial situation is:

Renting for $600 a month
12k student loans to one company, 17k to another. Total 29k, anywhere from 2.1% to 5.8%. $130 min payment for first, $210 for second
8.5k lien to Toyota for my 11 Yaris with 55k miles, should last a good while. 1.9% interest. $190 min payment
3.3k balance on a 4.8k limit with something absurd like 15% interest. $72 minimum payment
Car insurance + phone = $180 a month
Gas = roughly $75 a month
Food = varies

Other than that, I don't have many expenses. I go out with my girlfriend of 11 months, sometimes we eat out, or go into San Francisco (I'm currently in Pleasanton), go shopping, buy jigsaw puzzles, etc

Doing the math on the salary, after taxes and health insurance I pocket around $1200 every 2 weeks = $31.2k net a year

My plan, up through last week, was to pay off that 40k debt ASAP and then save for a house, with the aim of only ever purchasing one house in an area I really wanted. At that point I would be married, still single, whatever

At work we had a financial planner come, and he looked over everything and told me I was wrong.

Being good at math and logical thinking, he explained it to me this way:

Instead of paying off your 40k debt asap, you can make minimum payments and open up a savings account with the sole purpose of putting away money each paycheck for real estate. This money is not a 'savings account', it's just named that. This is not my money. I can't go take out 6k in a year when my car dies and I need it. This is another debt, and we can think of it as 'Jeff's future home purchase'.

This is where a part local to me comes in: Livermore, CA supposedly has a buyer program where you only need 3% down. 300k average condo prices, that's 9k. 200 a paycheck for 2 years is about 10k. I would then purchase a condo, mortgage the rest, and continue to do that while paying my minimum debt payments for a few years while the value hopefully goes up. Being that Livermore is a good, growing town in the Bay Area, the odds of this are strong. I would then sell, take the extra money and use it as a down payment on a bigger property, and continue this until I eventually have an actual 2k square foot, 3-4 bedroom house.

He said 'this is how you get wealthy and provide for your family. You can't not take any risks or else you won't own anything until you're 40'

My questions are this:

Supposedly, you can't get a mortgage for more than 34-40% of your total income after debts. The mortgage on that property would be something like $1800, which means I would need a salary of $60k. I can see a few raises within a few years which would put me between $45 and $50, but not $60.

Also, if this program is cancelled or changes, I can't afford it and interest on my other debts are accruing

I always thought you wanted 20% down to avoid PMI, but he says you don't. You need to get in a property you own immediately and start building equity.

My credit is fairly good, I don't know the actual # but I'm pretty sure I will be at least 730, which I understand is the cutoff for the best loans.

If I were to open a savings account for this reason, where should I go and why?

Is this guy right? I just don't see how I'm supposed to be able to afford an $1800 + mortgage, $500 + in other debts, and other expenses when my current monthly take home is ~ $2,500. And even if I got to a point where that was say $3,000, and my debts + mortage would be $2,300, I COULD live off $700, easily. But a bank wouldn't give me a loan because my debt to income isn't high enough

He's worked at this company for 20 years, he's well-trusted, Allstate is a big company and wouldn't have somebody giving this kind of advice if it weren't true or beneficial

I just don't see how it can work

Thanks

Investing Deals
Free Hilton HHonors Gold Status till 2016 or 2020 (for MBAs)
Added on : Thursday May 08th 2014 11:00:03 AM
g: 0 Posted By: helloimalbert
Views: 89 Replies: 0 Ripped from TheRewardBoss.com:Hilton Honors is giving free HHonors GOLD status to MBA graduates of certain business schools. Perhaps Hilton is hoping to get to them first to earn some loyalty as they start their careers. The terms and conditions state that you must receive this offer in the mail. You can try to see if it works for you click the link and enter your .edu email address. Gold is not theirtop elite status, however, it will get you a few perks. For example, the free breakfast can be especially valuable at an island property likeThe Conrad Maldiveswhich Ill bevisiting later this year. The food there can be extremely expensive so many people have a big late breakfast and skip lunch. Dont expect upgrades even with Diamond status, I rarely ever received any upgrades. Starwood, on the other hand, is much better at giving upgrades to their elite members.Expires: June 30, 2014Here are school links:-Harvard(status until 2020)-Berkeley(status until 2016)-NYU(status until 2016)-Dartmouth(status until 2020)-Northwestern(status until 2020)-Duke(status until 2020)-Cornell(status until 2016)-Emory(status until 2016)-Georgetown(status until 2020)There are probably other links out there too if you find one please let me know.
https://www.hiltonhhonors.com/mbaacquisition2014/?ucode=HARVARD
https://www.hiltonhhonors.com/mbaacquisition2014/?ucode=BERKELEY
https://www.hiltonhhonors.com/mbaacquisition2014/?ucode=NYU
https://www.hiltonhhonors.com/mbaacquisition2014/?ucode=DARTMOUT...
https://www.hiltonhhonors.com/mbaacquisition2014/?ucode=NORTHWES...
https://www.hiltonhhonors.com/mbaacquisition2014/?ucode=DUKE
https://www.hiltonhhonors.com/mbaacquisition2014/?ucode=CORNELL
https://www.hiltonhhonors.com/mbaacquisition2014/?ucode=EMORY
https://www.hiltonhhonors.com/mbaacquisition2014/?ucode=GEORGETO...

*Back!* Sony MDREX58V Earbuds, Black $10.00 P/U @ Staples
Added on : Thursday May 08th 2014 09:00:05 AM
g: 1 Posted By: Farfisa850
Views: 469 Replies: 2 http://www.staples.com/Sony-MDREX58V-Earbuds-Black/product_53402...

Another style less the inline volume control here with FS:

http://www.adorama.com/SOMDREX10BK.html?

Looks like a few differences!
Headphones & Speakers Deals

Adorama Coupons
g: 1 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B00K5I3L0S

*Includes pictures.
*Includes the stars' own quotes about their lives and careers.
*Includes suggested playlists and analyses of their music.
*Includes bibliographies for further reading.
*Includes a table of contents.

It is rare in the world of music for a general consensus to form over who was the best at anything. Many would call The Beatles the greatest rock band, but its easy to find strongly opinionated dissenters. However, when it came to playing a guitar and laying the soundtrack for the psychedelic era, just about everyone agrees there was Jimi Hendrix (1942-1970) and then there was everyone else. Anyone arguing otherwise either never heard his music or saw him perform.

In fact, Jimi Hendrix is one of the few musicians known primarily for his sound and what he could do with a guitar than for his discography. A part of that is due to his untimely death and entry into the 27 Club, but it is also due to the fact that he was so revolutionary with the use of an electric guitar and so skilled at playing it that the effects have largely not been duplicated since. It was heavy, loud, and completely raw, and yet he was a pioneer in genres as varied as blues and heavy metal. As Pete Townshend famously put it, With Jimi, I didn't have any envy. I never had any sense that I could ever come close.

The life and career of Janis Joplin marks such a stark departure from the blues, rock and soul traditions as American society has come to know them that her brief and tempestuous career defies artistic analysis, if only because there is so little precedent aside from the great African-American blues and jazz singers that influenced her. For a woman born in 1943 and coming into her professional prime in the 1960s, Joplin stood as a mesmerizing and baffling foil to the female tradition in non-classical music, which had previously been symbolized by pure, mellow voices singing thoughtful texts. The American music scene was entirely unprepared to witness the emergence of a white woman who could sing the blues with such authenticity, force, and depth of feeling.

Of course, for all the mention of Joplins career, there is nearly as much focus on her untimely death at the age of 27, particularly because she died just a few weeks after Jimi Hendrixs death at the age of 27 and was followed in death by Jim Morrison at the age of 27 less than a year later. Those three all died as a result of alcohol and drug abuse, and they formed the starting point for the legendary 27 Club, which memorializes rock stars who died at the age of 27. Morrison, the charismatic poet/musician of The Doors, helped to transform the subgenre of rock n roll as a stylistic flavor into the full-fledged institution of Rock Music, and he accomplished all of this by being extreme, in every sense of the word. His poetry was assaultive, blatant and graphic, a sign of the times, and his voice was mystical and haunting, lacking any sense of what was previously or typically considered vocal beauty. Whether intentional or not, Morrison also led the charge of excessive defiance toward anything hierarchical or rule-laden, and the acting out of his subconscious urges on public stages around the world amazed and shocked everyone who saw or heard about it.

Kurt Cobain later noted that he tried to model his most famous song after one The Pixies might have done, but Smells Like Teen Spirit and its accompanying music video ushered in rocks grunge movement at the start of the 1990s, and the song, ironically named after a deodorant, captured the culture in its entirety. A reaction to the likes of the previous decades yuppies and acts like M.C. Hammer, grunge became a sound and culture for angst-ridden teens and the disaffected youth who were proud to be plain. Whether Cobain intended for it or not, grunge became the most popular music of the decade, and the look and sound both became trendy fads, even as he personally struggled with the lifestyle.
Books & Magazines Deals
WEN 73002 500-Pound Capacity Service Cart $69.99 @ Woot
Added on : Thursday May 08th 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 103 Replies: 0 shipping adds $5

Will not rust, chip or dent with an easy to clean surface for simple maintenance
5-inch non-marring casters provide effortless and smooth mobility without scuffing surfaces
Two 30-inch by 16-inch by 3-inch shelves provide a 500 pound total weight capacity
Convenient push handles include a few smaller compartments along with a cup-holder
Durable polypropylene material ensures a long lifespan

http://tools.woot.com/offers/wen-service-cart-500lb-capacity
Home & Garden Deals

woot! Coupons
g: 0 Posted By: jskins
Views: 355 Replies: 0 Select Blu-ray& DVDmovies - $4.75 with Free In-store Pickup or $2.79 Shipping at Target.

A few notables:

Harry Potter and the Order of the Phoenix
Twilight
Tommy Boy ...and many more older titles


Note: REDcard members (free to join) can get an additional 5% off and free shipping on any order.
Blu Ray Deals

Target Coupons
Buying condo currently owned by the HOA board...a few questions
Added on : Wednesday May 07th 2014 02:00:10 PM
g: 0 Posted By: nwcitizen
Views: 89 Replies: 3 I haven't bought real estate in a good many years. I plan on paying all cash for a condo that was offered to me and is owned by the HOA in the complex that I've been a renter in for the past few years. Is it absolutely necessary that I have an attorney present at the time of closing? This is an all cash deal as I mentioned. I know this may be a dumb question but does it make any difference to pay with a wire transfer or a cashier's check? I live in the state of Washington if that makes any difference. Thank you.
g: 0 Posted By: kbthap
Views: 91 Replies: 0 Long time viewer, first time posting. Please go easy on me if this is not a good deal
Got email promo from www.BuyBuySoftware.com. If you sign up for the newsletter you get email code for $20 Off select Symantec Norton products. Code I got was NEWSLETTER20.Apply the code at checkout, got code within a few hours after purchase. Installed perfectly.

[l=SYMANTEC NORTON 360 2014 - 1 USER / 3 PCS [DOWNLOAD]]http://www.buybuysoftware.com/symantec-norton-360-2014-1-user-3-...[/l]- $18.99
[l=SYMANTEC NORTON ANTIVIRUS 2014 - 1 USER / 3 PCS [DOWNLOAD]]http://www.buybuysoftware.com/symantec-norton-antivirus-2014-1-u...[/l]- $13.99
[l=SYMANTEC NORTON INTERNET SECURITY 2014 - 1 USER / 3 PCS [DOWNLOAD]]http://www.buybuysoftware.com/symantec-norton-internet-security-...[/l]- $16.49

Free international calls with OOMA this Mother's day
Added on : Wednesday May 07th 2014 05:00:06 AM
g: 3 Posted By: Phrogpilot
Views: 296 Replies: 0 For those with OOMA, this Sunday for Mother's Day, you can make free international calls. Only a few obscure countries were restricted.

As a big thanks to you and all our customers, were making international calling free this Mothers Day, May 11 (except to certain far-flung corners of the earth - see below*). That means you can #CallMomFREE, or anyone you choose, anywhere in the world! And thats not all. Be sure to enter our Mothers Day Sweepstakes! You could win $1,000 to make any day of the year extra special.

*Free calling is available for calls originating from the U.S. only, and does not include calls to the following locations: Antarctica, Ascension Island, Cook Islands, Cuba, Diego Garcia, East Timor, Eritrea, Falkland Islands, Greenland, INMARSAT, International Networks, Iridium, Kiribati, Maldives, Mayotte Island, Nauru, Niue, Norfolk Island, North Korea, Papua New Guinea, Sao Tome, Solomon Islands, South Sudan, St. Helena, Tokelau, Tuvalu, Vanuatu, Wallis and Futuna. Normal rates will apply.
Services Deals
Ralph Lauren Private Sale: 50% Off Select Styles + Extra 10% Off + FS
Added on : Wednesday May 07th 2014 03:00:06 AM
g: 0 Posted By: ShoppingChick
Views: 187 Replies: 0 Ralph Lauren Private Salehas 50% Off Select Styles + Extra 10% Off with promo code PRIVATE14 and free shipping.

A few notable items:

Toddler Boys Ferry Slide- $10.35 w/code
Toddler Boys Tide Slide- $12.30 w/ code
Toddler Girls Ferry Tide- $10.35 w/ code
Toddler Girls Bal Harbour Cap-Toe Repeat- $13.50 w/ code

Ralph Lauren Deals
g: 0 Posted By: remick
Views: 94 Replies: 1 http://www.freepreview.tv/showtime/free-preview-of-showtime-for-...

Good news! The free preview of Showtime that I reported DirecTV getting last month is also going to be shown on AT&T, Cable One, Century Link, Comcast, Cox, Dish, Mediacom, RCN, and Verizon.
Check the listing here to see exactly what Showtime programming youll be getting. Some providers are only showing Showtime while others are including On Demand and Showtime Anytime.
This free preview of Showtime is to promote the series premiere of Penny Dreadful. Django Unchained, Silver Linings Playbook, and The Impossible are a few of the movies playing.
Movies & Music Deals
Need TYP's 200k fast!
Added on : Tuesday May 06th 2014 01:00:06 PM
g: -1 Posted By: FlightDeals
Views: 43 Replies: 3 I need 200k TYP in the next few days. What is the best way to get them?
Question Deals
Multiple Credit Inquiries After Applying for Auto Financing
Added on : Monday May 05th 2014 05:00:08 PM
g: 0 Posted By: thepineapple
Views: 68 Replies: 0 Experian shows separate inquiries for each institution I applied at. I thought they were supposed to have some kind of grace period. Anyone have experience with this? The only reason it really matters is that I plan on doing an AoR soon and need as few inquiries as possible so the CC issuers won't deny me for too many inquires.
Credit Deals
g: 0 Posted By: st4rdust
Views: 148 Replies: 0 Amazon has the HP Slate 8 Pro 8" 16GB Android Tablet w/ Beats Audio(White) for $179.99 with free shipping. Price will show in cart.

4.2/5 stars based on 6 reviews. Here's an in-depth review from Android Police. Based on what I saw whilst researching this, it seems that the most common issue people have is the lack of RAM. There were a few people who talked about a touchscreen bug, but I haven't seen that come up in the more recent reviews. Not sure if HP did something to fix it.


8-in. Screen (1600 x 1200)
1GB RAM
16GB Storage (expandable w/ microSD card)
NVIDIA Tegra 1.8GHz Processor
720p Video
8MP Camera
Android 4.2.2 (Jellybean) OS
1 Year Limited Warranty

Android Tablets Deals

Amazon Coupons
g: 0 Posted By: COOLBLEU
Views: 9 Replies: 0 I will be traveling to Madrid in a few weeks and wanted to know if a Taxi or their Bus would be best for the transfer roundtrip.
I've read online that you need to ask the price up front otherwise they will try to overcharge. The hotel is about 15.5 miles
so no shuttle. I just wanted to get some tips. Thanks in advance.
Car Rental Deals
g: 0 Posted By: jskins
Views: 218 Replies: 0 Newegg has Video Cardson Sale with Free Shipping.

Below are a Few Notable deals:

PowerColor TurboDuo Radeon R9 280X 3GB GDDR5 Video Card (AXR9 280X 3GBD5-T2DHE/OC) + AMD Gold Reward 3-Game Bundle (automatically added to cart)

$299.99 - 10% off w/ promo code UPGRADEMYVGA - $20 rebate= $249.99 (pictured)

Sapphire Dual-X Radeon R9 280 3GB GDDR5 Video Card (14-202-099) + AMD Gold Reward 3-Game Bundle (automatically added to cart)

$269.99 - 10% off w/ promo code UPGRADEMYVGA - $10 rebate= $223.99

PowerColor TurboDuo Radeon R9 280 3GB GDDR5 Video Card (AXR9 280 3GBD5-T2DHE/OC) + AMD Gold Reward 3-Game Bundle (automatically added to cart)

$269.99 - $30 rebate= $239.99

MSI R7 260 OC 1GB GDDR5 Video Card (R7 260 1GD5 OC)

$119.99 - 10% off w/ promo code UPGRADEMYVGA - $20 rebate= $87.99

Sapphire Radeon R7 260X 2GB GDDR5 Video Card (100366-2L)

$129.99 - 12% off w/ promo code VGAMAYPC23 - $10 rebate= $104.39
Video Cards Deals

Newegg Coupons
Free Kindle Book- Make Your Own Mandelbrot
Added on : Sunday May 04th 2014 04:00:07 AM
g: 1 Posted By: remick
Views: 157 Replies: 0 http://www.amazon.com/gp/product/B00JFIEC2A

A gentle journey through the mathematics of the Mandelbrot and Julia fractals, and making your own using the Python computer language.

Mathematics can be fun, exciting, surprising, and stunningly beautiful. But too few people ever experience this, associating it instead with boring and apparently pointless exercises in trigonometry and solving equations.

This guide will take you on an emotional journey, starting from very simple ideas, and exploring some surprising and intricately beautiful behaviors of the very simple mathematics that underlies the famous Mandelbrot fractal. You won't need anything more than basic school mathematics.

Part 1 is about ideas. It introduces the mathematical ideas underlying the Mandelbrot fractal, gently with lots of illustrations and examples.

Part 2 is practical. It introduces the popular and easy to learn Python programming language, and gradually builds up a program to calculate and visualise the Mandelbrot fractal.

Part 3 extends these ideas. It reveals the related Julia fractals, creates 3-dimensional landscapes and shows how even more interesting images can be made using mathematical filters.

The fractal image on the cover of this book is created using only the ideas and code developed in this book.
Totally Free Deals
g: 0 Posted By: st4rdust
Views: 173 Replies: 0 Groupon has the Brilliance New York 1.25" Flat Iron + Mini Flat Ironfor $44.99. Free shipping and free returns.

The bigger flat iron alone is currently$299.00 direct from the manufacturer.

​1.25" Giraffe-Print Diamond Flat Iron:

Pure ceramic and diamond plates
Diamond technology provides even heat distribution
Produces negative ions to help lock in moisture
Far-infrared technology avoids damaging hair
Floating plate design for fewer snags
Max temperature of 450 degrees Farenheit
Suitable for all hair types
Lifetime warranty from Brilliance New York


0.5" Mini Flat Iron:

Small but efficient flat-iron for styling on the go
Handy for styling bangs or shorter hair
Tourmaline and diamond plates
Advanced ceramic heater
Far-infrared and negative-ion technology cuts down on hot spots
Max temperature of 392 degrees Farenheit
Lifetime warranty from Brilliance New York



Here's my personal experience with this company:

I have crazy multiracial hair. It's curly, frizzy, ridiculously hard to manage, and I dye it frequently. I'm currently growing it out, so I try to avoid using heat styling at all costs. Brilliance New York flatirons are the *only* thing I trust anymore. My best friend has one, and I only ever straighten my hair when I'm at her house. I thought about buying one of these the minute I first used hers, but as you can see from the manufacturer link above, they're usually at least $200.

I used to use one from Sally Beauty and I thought it worked okay. I needed heat serum and frequent touch ups, but I assumed that was just because of the type of hair I have. This thing seriously eliminated that. Last summer I straightened my hair with this the night before going to Warped Tour and stood in the crowds sweating all day with my hair down. It was still straight and relatively smooth by the last band of the night. I have no idea what it is about these, but even on humid days they make my hair shiny and manageable.

Granted, the giraffe pattern is kind of ugly, but I genuinely feel like the quality and the warranty make this a very hot deal. 450 degrees, to be exact.
Hair & Skincare Deals

Groupon Coupons
g: 0 Posted By: ctgolfer
Views: 42 Replies: 0 shipping adds $5

The Stingrey Polarized Sunglasses have a tradition fit and feature FLX-T Technology. This technology has fewer pressure points therefore providing zero tension. You will not get a headache even after several hours of wearing these extremely flexible, ultra-lightweight glasses.

Polarized lenses
Reduced glare
Aerodynamic shatter-resistant lens
Memory technology helps the sunglass keep its shape
Long-lasting wear without pinching
Lightweight
100% UV protection

http://sport.woot.com/offers/stingrey-polarized-sunglasses-1
Sunglasses Deals

woot! Coupons
forums for small business owners
Added on : Saturday May 03rd 2014 01:00:04 PM
g: 0 Posted By: BradMajors
Views: 8 Replies: 0 Where are some good forums for small business owners?

I have tried a few forums, but most of the participants were non-business owners who wanted to become business owners.

Question Deals
Paid off Grad School Loans, Now What?
Added on : Saturday May 03rd 2014 12:00:06 PM
g: 0 Posted By: madcowdisease
Views: 150 Replies: 2 Long story short, I was able to say bye-bye to my student debt earlier this month. My monthly payment was a bit short of $500. In the short term that will go into building my emergency fund, but my question is what I can do with the cash going forward.

A few things:
-Only other debt is ~$13 K auto @ 1.49% (thanks for tipping me off to this rate, FWF!) - contemplating paying this off, but the interest rate being so low...
-I max out my 401(K) and Roth contributions annually.
-No HDHP insurance, so no HSA
-No children, so 529 doesn't seem appropriate
-No house, I am planning on leaving current city in < 1 yr
Personal Finance Deals
g: 0 Posted By: gifpaste
Views: 28 Replies: 0 Obviously an in-person broker is nice to have for some people to go in and sit down and talk face to face, but for FWF members who only care about maximizing savings... Is it possible for them to beat/compete with internet lenders on rates like Roundpoint, Sebonic, or Aimloan (I've heard mixed reviews on aimloan..)

I used a broker for my first home purchase many years ago, then through FWF I read about Penfed's high praise and great rates. I've been watching Penfed/Roundpoint/Sebonic the last few weeks and Sebonic/Roundpoint appear to always be lower

Waiting to hear back from Roundpoint but with Sebonic you lock in the rate posted on their website. I didnt have to pay any application fee and already got my pre-approval letter.
Question Deals
AMEX Platinum 100,000 point offer
Added on : Friday May 02nd 2014 03:00:05 PM
g: 0 Posted By: zorbachs
Views: 14 Replies: 0 Hi all,

I recently received this offer in the mail about a week ago and was considering it, but I had a few questions.

First, I am 25 years old and about to graduate law school. I am taking the bar in July and will start working full time shortly thereafter. My parents have been AMEX cardholders since 1983 and have not missed a payment and I was added as an authorized user to their accounts in 2005 before getting my first blue card in 2006. In 2010, I opened my own blue cash card and this year, I got a PR Gold card. I have never missed a payment, though I have no idea what my credit score is. I've never been denied for any AMEX cards; I am not sure if it is due to my parents history or what because I have never received a loan or anything else to really build a credit history.

As for traveling, I really don't travel much. I tend to go to NYC twice a year to visit friends and plan to visit Jamaica in January. I am not sure if traveling will be part of my job as an attorney, that remains to be seen.

With all of that said, is it a waste of money to take advantage of this offer? I read that 100,000 points has a value of at least $1000 in gift cards and the like, so if anything, I suppose I could pay the $450 fee and cash in the rewards for gift cards for a $550 profit, and if I end up not traveling after work, canceling the card next year. Or maybe it isn't worth the hassle. I could spend $1000/month by running all my bills through the card.

Advice? My gut says I probably wouldn't take advantage of it as I should and I should just wait until I start working and maybe AMEX will send this offer to me again sometime in the future. I don't know how rare it is.
New User Question Deals
PayPal Payment method with Credit Card
Added on : Friday May 02nd 2014 11:00:14 AM
g: 0 Posted By: BenH
Views: 183 Replies: 1 So a few months ago I wanted to buy something on PayPal, but use my Credit Card as the payment method (not my PayPal balance, or a bank account).
I was unable to do it because I had a PayPal balance...and was confused because I could have sworn I did it before.
I ended up transferring all PayPal money out and then placing the order.

Short time later on call with PayPal for unrelated issue and explained this issue as well and was told that shouldn't happen - I should have the ability to pay full from a linked card.
I also thing (only about 25% sure) that sometime after that call I ordered something else and *was* able to use my CC even with a PayPal balance.

But, today - I had the same thing happen again - couldn't purchase item with linked card until I emptied out my balance.

Whole reason I needed to do this was retailer would only accept different shipping/billing address using PayPal as payment method and I wanted to use my AmEx card for the extended warranty.

Am I missing something basic here, or was the PayPal agent wrong and that you have to use your balance if you have one?
Credit Deals
PSN Network Sale all for $5 dollars this weekend
Added on : Friday May 02nd 2014 10:00:03 AM
g: 0 Posted By: Blueaurora
Views: 99 Replies: 0 PSN Flash Sale This weekend. Rockstar Heavy all 5 Dollars!Just saw this I don't think its been posted yet.

Grand Theft Auto 4
Red Dead Redemption
Bioshock 1
Bioshock 2
LA Noire
Max Payne3
Guacamelee! PS3 and Vita
ArcaniA - The complete Tale
Fat Princess
Datura
The Raven- Legacy of a Master Thief
MX vs ATV: Alive
Red Faction: Armageddon
Kane & Lynch 2: Dog Days
Mini Ninjas
Mark of Kiri


Decent list a few certainly worth playing if your backlog isn't too long.
Video Games Deals
Is Xplocial, led by CEO Larry Marcus, a scam?!?
Added on : Friday May 02nd 2014 09:00:12 AM
g: -1 Posted By: shockwavemagrj
Views: 131 Replies: 7 Good Afternoon Gang,

I fell for the Invado International scam prior to FWF getting involved and their subsequent demise. Actually, I wish you guys would have been investigating that "opportunity" before I joined the organization as I would have saved myself time and money. I chalked it up to a learning experience! By the way, I can't find anything new about Andre Maronian, or the Mintz family and I am going to reach out to some of the people that I still know that were a part of the company prior to leaving. Thank you FWFfor everything you do!

So... if you are a Facebook user (I doubt there are very few people here that aren't) I am sure that you have seen friends spamming the world about this amazing opportunity called Xplocial.

All my research points to the fact that Xplocial, led by CEO Larry Marcus, is nothing but a scam.

Let's air our Mr. Marcus' dirty laundryand save somepeople time, money, andembarressment.

Here is a link to their website:
http://www.xplocial.com/index.php

What are your thoughts?

Discussion Deals
g: 0 Posted By: ctgolfer
Views: 54 Replies: 0 $399.99 in-cart but get $50 off with promo code: SEARS50

The industry's most energy efficient dishwashers These dishwashers use nearly 1/2 less water and energy without compromising performance (Based on Energystar.gov published annual energy usage of Whirlpool Resource Efficient models versus competitive dishwashers MSRP $749 and below. Compared to a conventional dishwasher manufactured before 2006)
Automatically select the right wash and dry settings for your load The Sensor cycle uses two separate sensors to measure temperature, soil level and load size once during the prewash and once during the wash cycle. Cleans tough soils 35% better while using just the right amount of time, energy and water, helping you have more time to do what you love (Compared to previous wash system)
Clean dishes when you need them Now thanks to the Top Rack Wash option, you can save time and energy by washing dishes in the top rack rather than waiting for a full load
100% usable rack space Our improved AnyWare Plus silverware basket now holds up to 12 more pieces of silverware for maximum flexibility and is designed to clean better. Place the silverware basket in the bottom rack, on the front of the rack, or use it in the door for 100% usable rack space. Its improved design also allows you to access small silverware and easily place the basket on the counter for unloading
Our quietest line of dishwashers ever Equipped with our Quiet Partner sound packages and sound-reducing insulation, these models minimize noise, so you can run the dishwasher without it interfering with your daily routine
No One Has Fewer Repairs 15 Years In A Row Whirlpool dishwashers are designed to endure repeated use and to deliver years of reliable performance (According to a leading consumer magazine)
Save on your energy bills This CEE Tier 2 qualified and ENERGY STAR qualified appliance uses up to 20% less energy than dishwashers without the ENERGY STAR rating (Based on the Consortium for Energy Efficiency product qualifications. Visit cee1.org for more information)
Ensure your dishes are clean and sanitized The Sani Rinse option uses a NSF certified, high-temperature rinse to eliminate 99.999% of food soil bacteria

www.sears.com/shc/s/p_10153_12605_02215373000P
Appliance Deals

Sears Coupons
Safeway Free Prego Alfredo sauce, YMMV for Club Members
Added on : Friday May 02nd 2014 06:00:11 AM
g: 0 Posted By: frugalpete
Views: 2 Replies: 0 check your personalized deals
Prego
Italian Alfredo Sauces
14.5-oz. Limit 1. In the Pasta Sauce Section.
=10pxExpires 5/13/2014

Grocery Deals
g: 0 Posted By: RunningMan
Views: 100 Replies: 0 Found these 14oz PeachMango flavored Muscle Milk in Big Lots store today, checked the ad, and asked the guys stocking the shelves, this is the only flavor they got from the manufacturer. There had to be a dozen cases on the shelf, if you like peach and mango, it might be something for you, I recommend trying one first to see its your cup of tea.. Im not a big fan of the flavor, I only grabbed a couple, 70 cents each was just too good of a deal, 20g protein, 190 calories, I'll tough it out a few times for that price. I'll be honest, if it had chocolate, vanilla, or any non fruit flavor, I probably would have bought almost every case on the shelf.

http://www.vitadigest.com/cyto-muscle-milk-light-rtd-peach-12pk.html
Muscle Milk Deals
It's back! Feit 65W LED BR30 bulbs $7 IR Maryland B&M Costco Only
Added on : Thursday May 01st 2014 06:00:02 PM
g: 0 Posted By: scooterdog
Views: 153 Replies: 0 Well six weeks ago I posted thisabout a $7 Feit 65W BR30 bulb in a Gaitherburg MD Costco.

Lo and behold today they offered them for sale again. I picked up a lot more today, as I was sad that after my original purchase they all were gone after a few days.

65W LED bulbs by Feit for $13.99, with a Pepco (local utility) $7 instant rebate (limit 25). They are similar in specifications to what is found here,but with a smooth outer bulb.

13W energy usage, 2700K color temperature, 5y warranty, 750 lumen brightness, 25,000 hour expected life ('3 hrs/day, 22.8 year life').
Home & Garden Deals
Gartner 16 ct Notecard & Thank You set for $0.50 @ Staples B&M/YMMY
Added on : Thursday May 01st 2014 01:00:02 PM
g: 0 Posted By: ElPablo
Views: 155 Replies: 0 Went into Staples looking to use the $100 off pc coupon,and wife wanted me to pick up some Thank you cards. Regular price $7.99 is showing on the shelf, but it rang up at the register for $0.50. Only certain sets are ringing up that price. I can't find the sku numbers but on the receipt/back of the box the item numbers are
634680814918
634680814949
634680814925
A few other designs are ringing up as $4, which I did not purchase.
Left with no laptop or pc but scored 5 boxes!
Gifts Deals

Staples Coupons
TITLE INS-LENDER COVERAGE TITLE INS-OWNERS COVERAGE Question
Added on : Thursday May 01st 2014 07:00:08 AM
g: 0 Posted By: faltutp
Views: 120 Replies: 0 I have done search in Fatwallet. and have read few main threads from beginning to end ( link 1,link 2)I am better educated now after reading those but still more confused.

I am in State of WA. Jumbo Home loansingle family 20+ old home (nor Refi) for 650K with Wells as lender. I am getting quoted the following price for 1103 TITLE INS-OWNERS COVERAGE 1982.201102 CLOSING/ESCROW/SETTLEMENT 850.00
I have requested lender list of endorsements needed for lender insurance but they have asked me to contact Title Company. Can GEO or others help me.

I need to understand how to ask the right questions to bring this cost down and if this is a higher price. Also do i need to waive Owners coverage? I understand the need but most of the discussion i saw was around some foreclosed property. Can you please suggest?
Real Estate Deals
Mortgage servicer fails to pay property taxes
Added on : Thursday May 01st 2014 02:00:07 AM
g: 0 Posted By: okwiater
Views: 80 Replies: 1 My mortgage servicer maintains an escrow account for property taxes and homeowners insurance. I received a copy of my 2012 property tax bill in July of 2013 from the county, and called them on July 27 to ensure they had received and would pay it. They said they would. Fast forward to April of 2014. I received a notice from the county on April 10 informing me that due to an unpaid tax bill they would move to place a tax lien on the property by May 1, and the lien would be auctioned on May 15. I called the lender that same day and informed them of the notice. They requested that I fax the bill to them, which I did that same day. On April 21, I checked with the county and determined that the bill had not yet been paid. So I called the servicer again and they informed me that they were actively engaging with my county's tax office and that the bill would be paid within "a few days." On April 28, I checked with the county again and determined that the bill had still not been paid. So I called the servicer yet again and they promised the issue would be escalated and the bill would absolutely be paid by April 30. Much to my surprise, I received an e-mail from them confirming that the bill had been paid and the funds deducted from escrow. Today, I checked with the county again and the bill is still unpaid. Also, since it is a new month, additional interest as well as a tax lien fee has been added to the account. My guess is the lender put the payment in the regular mail, and now the amount they sent won't be sufficient to cover the outstanding balance.

What should I do here? Obviously I'm not going to let the tax lien be auctioned and will resolve any outstanding balance before the 15th from my own pocket; however, I'm pissed about the lender's negligence having racked up $400 in interest and fees. The ideal scenario would be for the lender to reimburse the interest and fees, as well as to get the escrow removed from my mortgage. Do I have any leverage (under RESPA or any other consumer protection laws) to force the issue? Or are these things generally written in such a way that even their failure to pay the bills from my escrowed funds is somehow not a breach of contract or statute?

Note: I have made every one of my mortgage payments on time since the inception of the mortgage.
Real Estate Deals
Walmart entering Auto insurance
Added on : Wednesday April 30th 2014 07:00:11 AM
g: 0 Posted By: anusha123
Views: 129 Replies: 2 WalMart entering auto insurance

The service is available immediately in eight states Arkansas, Louisiana, Mississippi, Missouri, Oklahoma, Pennsylvania, Tennessee and Texas.
It will be available nationwide in the next few months.

http://www.walmart.com/cp/Auto-Insurance/1224847

Article link :Link
General Economics Deals
g: 0 Posted By: Deals4mykids
Views: 263 Replies: 0 http://www.amazon.com/Amco-Stainless-Steel-5-Piece-Utensil/dp/B0...

Although the description says 2 solid spoons, the picture shows one slotted. I ordered a set either way.
This is $2 a utensil.
A few of the reviewers complained about these being flimsy, but a lot gave a thumbs up.

Perfect 5 starter set of stainless steel utensils
Set includes: ladle, slotted turner, skimmer and 2 solid spoons
Each tool measures approximately 14-inch long
Hole in handle allows for hanging
Dishwasher safe

Home & Garden Deals
Canon: 15% to 30% Off Refurbished Lenses + FS
Added on : Wednesday April 30th 2014 06:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 106 Replies: 0 Canon has 15% to 30% Off Refurbished Lenses.Use coupon code MOM14 for free shipping.

A few notables:

EF 50mm f/1.8 II Refurbished- $70.55
EF 75-300mm f/4-5.6 III Refurbished- $111.99
EF 40mm f/2.8 STM Refurbished - $111.99

SLR & dSLR Deals

Canon Coupons
Apple Macbook Air (2013 Models) from $799 @BB new Models Available Now
Added on : Wednesday April 30th 2014 03:00:04 AM
g: 1 Posted By: f2000sa
Views: 205 Replies: 0 A $200 price drop for 2013 Models from a few days ago, and $100 Cheaper than 2014 model


11 inch $799

13 inch @$899


all Air






Macbooks Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 141 Replies: 0 shipping adds $5

Outdoor Interiors Adirondack Chair is unique and comes with a built-in sliding Ottoman that ships assembled into the underside of the seat unit
The Ottoman has 2 levels for feet up mode or the traditional declined level for comfort and style
Durable with a maximum weight capacity at 300 lbs
Outdoor Interiors Eucalyptus comes from the finest sustainable, plantation-grown Brazilian hardwood with a light grain and strong density like teak
Finished in an oil-based brown umber stain
Oil only a few times a year with Linseed Oil or Outdoor Hardwood Oils to maintain the beautiful finish and protect it from the elements (oil not included)
Minimal assembly required

http://tools.woot.com/offers/outdoor-interiors-adirondack-chair-...
Furniture Deals

woot! Coupons
g: 0 Posted By: st4rdust
Views: 167 Replies: 2 JDG Associates (fulfilled by Amazon) has a 6 pack ofTerry's Milk Chocolate Orange Ballsfor $10.00. Free shipping with Prime or Free Super Saver Shipping on orders of $35 or more.

4.5/5 stars based on 121 customer reviews. Packaging may vary. There are a few negative reviews that say they received strange packaging or that the product seemed expired. Please look into them if this is a concern for you!

A perennial favorite!
Milk Chocolate with a hint of real orange oil
Pack of 6, 6.17-ounce boxes (total of 37 ounces)
Unique shaped ball


Also available, sold by Amazon, is a 6-pack of Terry's Dark Chocolate Orange Balls for $10.61 with free shipping via Subscribe and Save. This may be a better option for you if you don't trust JDG Associates. 4.7/5 stars based on 51 customer reviews.LINK
Food Deals

Amazon Coupons
g: 0 Posted By: Deals4mykids
Views: 135 Replies: 0 Enjoy Starbucks at home in the set of 4 Starbucks Logo Red Ceramic Barrel Coffee Mugs. These fine collectible mugs are the perfect set for your kitchen, or use as individual gifts. A Starbucks mug makes a great gift on its own, or get creative and fill with chocolate covered espresso beans, tea, cocoa or a gift card. Stock up for yourself and get a few extras to keep as go-to gifts!

[*]Official Starbucks coffee mugs

Barrel-shaped, heavy-duty ceramic
White logo, soft red exterior, white interior
Microwave & dishwasher safe
4H x 3.25D excluding handle

http://www.dealgenius.com/4-starbucks-barrel-coffee-mugs-microwa...

Starbucks Deals
g: 0 Posted By: lonestarguy
Views: 177 Replies: 0 I purchased another weather radio a few years ago, also a Midland, but stopped using it due to frequent Amber Alerts from cities 200 miles away at 3am. . This model allows you to select the types of events that may impact you like tornados, blizzards, etc and silence things like avalanche warnings, amber alerts, etc. You can further narrow down alerts to just your county too. This model gets good reviews and is quite a bit more elsewhere. As I really only care about flash flooding and tornadoes (and value my sleep and my safety) I bought one tonight. If you have an older model and find you usually have it off, it might be time to consider an upgrade. Perhaps it might even safe your life.

B&H doesn't collect tax in most states and shipping is free.

http://www.bhphotovideo.com/c/product/785095-REG/Midland_WR300MI...
Electronics Deals

B&H Photo & Video Coupons
g: -1 Posted By: DaysFan
Views: 390 Replies: 0 http://www.directgardening.com/detail.asp?ProductID=1099Geranium, Mosquito Shoo, 1 Sale2 for $4.96Geranium, Mosquito ShooItem # 1099 Pelargonium citrosum 'Van Leenii'Natural Mosquito Repellent!http://www.directgardening.com/detail.asp?ProductID=1099
Do you like to picnic but can't stand the mosquitoes? SEND TODAY for this amazing,

Mosquito-repellent geranium! Mosquito Shoo Geranium is a richly-colored plant that grows up to 2' tall. One plant is said to repel mosquitoes for about 10 square feet. (We can't promise for sure).

But we tested it by placing a few plants in a mosquito infested area and the mosquitoes sure did disappear in a hurry! The Mosquito Shoo Geranium releases the pleasant odor of oil of citronella. People enjoy the smell, but it drives mosquitoes wild. Hypoallergenic and EASY TO GROW. It thrives outdoors in summer time.

Bring indoors in winter. Potted plantshttp://www.directgardening.com/images/spacer.gif
Garden Deals
g: 0 Posted By: DaysFan
Views: 184 Replies: 0 http://www.directgardening.com/detail.asp?ProductID=1099Geranium, Mosquito Shoo, 1 Sale2 for $4.96Geranium, Mosquito ShooItem # 1099 Pelargonium citrosum 'Van Leenii'Natural Mosquito Repellent!http://www.directgardening.com/detail.asp?ProductID=1099
Do you like to picnic but can't stand the mosquitoes? SEND TODAY for this amazing,

Mosquito-repellent geranium! Mosquito Shoo Geranium is a richly-colored plant that grows up to 2' tall. One plant is said to repel mosquitoes for about 10 square feet. (We can't promise for sure).

But we tested it by placing a few plants in a mosquito infested area and the mosquitoes sure did disappear in a hurry! The Mosquito Shoo Geranium releases the pleasant odor of oil of citronella. People enjoy the smell, but it drives mosquitoes wild. Hypoallergenic and EASY TO GROW. It thrives outdoors in summer time.

Bring indoors in winter. Potted plantshttp://www.directgardening.com/images/spacer.gif
Garden Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/dp/B00HDW8Z96

4.7 out of 5 stars (7 customer reviews)

Chicken and Waffle Recipes -From Harlem to the Universe: the Top 10 Chicken and Waffle Recipes On the Planet

Legend has it that the all American combination of savory Southern fried chicken and sweet maple syrup drizzled buttermilk waffles was born out of necessity (it is the mother of all invention after all) this intriguing combination was born out of the amalgamation of the 1920s and 30s jazz clubs in places like New York and Chicago is said that patrons and musicians alike would spill out onto the street in the wee morning hours looking for something to soak up all the rotgut gin and provided a much-needed boost of energy that patrons were most likely craving breakfast, and the musicians were most likely in the mood for dinner. So inevitably in a blurry eyed euphoria people would make their way to one of the many 24-hour diners in hopes of satisfying their cravings.

Those that wanted breakfast would order a big plate of waffles. Those that wanted dinner a big plate of fried chicken (often times these were the cheapest items on the menu) and because people often dined in groups, both items were often ordered together, along with large cups of coffee, and his people often do they begin to share food with one another.
And inevitably a piece of fried chicken ended up attracting a few droplets of maple syrup and a fork full of waffles signed a piece of fried chicken, and in very short order. It was discovered that the sweet and savory combination of both foods eaten together was an explosion of flavor and texture like nothing anyone had experience before. This unique combination was a perfect match for the jazz era hipsters.
It was a little strange about that familiar and yet strangely satisfying just like jazz music. And ever since then, a plate of chicken and waffles has been the go to grub after a late night adventure.
From Harlem to the universe top 20 chicken and waffle recipes is an outstanding collection of some of the most mouthwatering chicken and waffle recipes ever to be invented this side of the Milky Way everything from classic buttermilk waffles with maple syrup and oven fried chicken to a chicken and waffles grilled cheese sandwich!!
And there are some unique twists on some Southern favorites. Anyone that has grown up in the South, and one time or another has had pecan pie for breakfast (whether your mother was working or not) from Harlem to the universe takes his ultimate breakfast of champions. One step further, with the pecan crusted chicken and waffle sandwich!! (This particular dish is so good your taste buds will feel as though they are traveling at warp speed with Mr. Zulu).

All of these recipes suggest using top-quality ingredients, and the healthiest possible cooking methods. There is more than one recipe for some variation of oven baked, fried chicken and waffles so not only do you get to experience the awesome taste bud tingling flavor explosion.
That is the mind bending combination of chicken and waffles but you will be able to do is in the healthiest way possible (that said, chicken and waffles is one of those food combinations that should definitely be enjoyed in moderation).

So the next time you get a late night craving for something sweet and savory, or you are returning any blurry eyed euphoria from an all night adventure and require a little boost of energy turn to the from Harlem to the universe chicken and waffle recipe cookbook, your friends and taste buds will think you. chicken and waffles recipe
g: 0 Posted By: msakthivel
Views: 113 Replies: 1 I received this Bank of America Alert email and didn't see posted.
BofA account is my main checking/saving account.
I looked at Commercial Bank website its more like a Credit Union kind.
Do any one know about this Commercial Bank?

Commercial Bank has agreed to buy several Bank of America banking centers. We want to let you know, as part of this sale, your accounts listed below will become Commercial Bank accounts.
While we know change isn't easy, we'll work closely with you to ensure a smooth transition, and Commercial Bank will send you additional details in the weeks ahead.

Your accounts that will move to Commercial Bank

On June 6, 2014, your accounts below will become Commercial Bank accounts:

Here are a few other changes to your account(s):

If you receive relationship benefits such as rate reductions or fee waivers from linking any of the accounts listed above, some of them may no longer be available to you. To learn more, please call our Transition Customer Care team at 1.866.251.0233.
After June 6, 2014, you won't be able to use certain features like BankAmeriDeals1and Keep the Change2.
Your checking account will no longer be associated with Pink Ribbon Banking, and Susan G. Komen will no longer benefit from the account. To continue supporting this organization, visitwww.komen.org

How you can prepare

For your transitioning accounts, print any statements or other records that you may need for future tax or reference purposes.

So that we may reach you If your contact information has changed, please login to Online Banking and select "Update my contact information" under the Help & Support tab.

To learn more about Commercial Bank

When you have a moment, please visit http://www.commercialbank.net

We're here to help

If you have any questions about this transition, please visit us at your local banking center or call our Transition Customer Care team at 1.866.251.0233.
General Economics Deals
The Children's Place Coupon: 40% off Entire Site + FS
Added on : Tuesday April 29th 2014 06:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 220 Replies: 0 The Children's PlaceCoupon is offering 40% off Entire Site + Free Shipping with code SAVE3.

A few accessories for girlsand boysunder $10:

Sunglasses - $1.80 after code
Hats - $3.13 - $7.77 after code
Swim Bags - $7.62 after code

Clothing Deals

The Childrens Place Coupons
Family financial planning? Wills? Trusts?
Added on : Tuesday April 29th 2014 04:00:04 AM
g: 0 Posted By: letsspendlotsofmoney
Views: 60 Replies: 1 Not sure where to start but here are a few basics:

46 years old
Widowed father of four children ages 12, 20, 21 and 24

Assets:
401k worth about $400k
$100k equity in home I owe about $56k with 28 years remaining and paying and additional $350 each month towards principal
$80k salary
$75k whole life policy from 20 years ago
$500k life insurance through work (thinking I need my own term 15-20years)

What type of estate planning should I do? I don't currently have a will.
Should I create a trust to care for my youngest daughter?
Who should be the beneficiaries of my insurance and 401k if something should happen? children directly? Trust?
How many years of term life should I be thinking? 15 should get my youngest through college
What amounts of insurance? 5-1 X salary? more or less?
If for some reason I were to remarry in the future, how would I protect my children financially? just in case she's a gold digger, and I don't have a lot of gold... Would a trust for the children be the best place? Prenup?

Whay type of lawyer should I use?
Approximate cost to set these types of thing up?

After my wife passed 10 year ago I knew I should have thought about this type of stuff...

I am open to suggestions and no current woman to give you photos of... I don't own a crown vic, M////,
Personal Finance Deals
Coach Factory: Free Shipping Coupon
Added on : Tuesday April 29th 2014 03:00:02 AM
g: 0 Posted By: ShoppingChick
Views: 164 Replies: 0 Just a few more hours left to get free shipping at the Coach Factory!Coupon code TICKTOCK ends at 11AM CST. When promo ends free shipping will be available on orders of $150 and they will arrive in time for mothers day.
Clothing Deals
A Few Good Men (Blu-ray) ($4.99 was $19.99) @ Amazon
Added on : Monday April 28th 2014 09:00:07 PM
A Few Good Men (Blu-ray) - $4.99 FSSS @ Amazon
Added on : Monday April 28th 2014 08:00:02 PM
g: 1 Posted By: Xenocrates
Views: 176 Replies: 0 A Few Good Men(Blu-ray) - $4.99 FSSS @ Amazon

!!! Make sure to check under 'More Buying Options' for the correct price as Amazon's links are not functioning right!!!

Also Available

My Big Fat Greek Wedding(10th Anniversary Special Edition)-$4.99
Point Break-$4.99

Blu Ray Deals

Amazon Coupons
g: 0 Posted By: rendition
Views: 183 Replies: 4 These are a fairly hot item, on clearance now for $2.49 with free shipping. I purchased one from here a few months ago and it is a really good looking product and comes with 3.5" audio jack that plugs into your device. This is normally the more expensive model of the adapter.

These are compatible to iPhone 5/5s, iPod Touch 5th generation, and iPod mini.

http://www.aurabuy.com/8-pin-lightning-to-30-pin-female-adapter-...

On clearance, while supplies last. Limited quantity (less than 50 remain).

Electronics Deals
United Airlines Sucks!!!
Added on : Monday April 28th 2014 07:00:13 AM
g: 0 Posted By: bbbeet
Views: 74 Replies: 0 I was so frustrated. UA sucks...

I made a reservation and cancelled within 24 hours. The credit card was refunded after a few calls.
But they refuse to reinstate my certificate of $350 (its mine, not purchased from others).

The service was really bad. Anyone suggest that I could get my certificate back? Thanks.

Beet
Air Travel Deals
g: 0 Posted By: bablooudeals
Views: 1579 Replies: 6 I was just walking around Lowes and saw these great clearance items. There were few different type of flooring on clearance for $10.00 and couple were mark down even at lower price of $5.00.B&M YMMV
Be nice its my first post.
Item number: #518148
#391691
#392043
www.lowes.com
Home & Garden Deals

Lowe's Coupons
g: 0 Posted By: remick
Views: 115 Replies: 0 http://www.amazon.com/gp/product/B00AR0T8DI

4.4 out of 5 stars (147 customer reviews)

All the advantages of a tiny house at a fraction of the cost!

Imagine what you could do with your time if you didn't have to spend $16,000 a year on rent or a mortgage. Old single-wide mobile homes can often be found for free (and installed for a couple of thousand dollars) in rural areas, so trailersteading is akin to dumpster-diving. A trailer allows you to live without debt, to keep your ecological footprint to a minimum with energy bills at or below the national average, and even to blend right in with traditional-house dwellers after a few years.

Trailersteading profiles nine mobile-home dwellers who have used trailers as a stepping stone toward achieving their dreams. Some have spent the cash they saved by renovating their trailer on extra insulation, pitched roofs, classy interiors, and even basements, while the found money has allowed others to go off the grid. Many also took advantage of a low-cost housing option to pursue their passions, becoming full-time homemakers or homesteaders.

In addition to the case studies, the book presents easy methods of minimizing the negative sides of trailer life and accentuating the positive. For example, did you know a single-wide is easy to retrofit for passive solar heating? That a simple plant-covered trellis can break up the blockiness of the trailer's external appearance? Learn which parts of installing and upgrading your trailer are easy for a DIYer and which parts should be left to the experts, along with how to cheaply heat and cool a mobile home.

124 photos and diagrams.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 108 Replies: 0 http://www.amazon.com/gp/product/B00IGKE2E6

For cloud users and providers alike, security is an everyday concern, yet there are very few books covering cloud security as a main subject. This book will help address this information gap from an Information Technology solution and usage-centric view of cloud infrastructure security. The book highlights the fundamental technology components necessary to build and enable trusted clouds. Here also is an explanation of the security and compliance challenges organizations face as they migrate mission-critical
applications to the cloud, and how trusted clouds, that have their integrity rooted in hardware, can address these challenges.

This book provides:

Use cases and solution reference architectures to
enable infrastructure integrity and the creation of trusted pools leveraging
Intel Trusted Execution Technology (TXT).
Trusted geo-location management in the cloud,
enabling workload and data location compliance and boundary control usages in
the cloud.
OpenStack-based reference architecture
of tenant-controlled virtual machine and workload protection in the
cloud.
A reference design to enable secure hybrid clouds
for a cloud bursting use case, providing infrastructure visibility and control
to organizations.
Books Deals

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

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

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

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

I'm writing this post for two reasons:

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

2) What best practices do the financial wizards on here have regarding such tracking? This isn't a question I can ask on a software forum because those guys aren't crown vic driving badasses like the members on FWF. I may just wind up saving everything to PDFs organized in various folders with clever names to identify the client/trip. And then using Google Docs Spreadsheet with special tabs built out to handle tracking things. That gives me cloud backup as well. Seems like a dirty way to do it but if no good pre-made options exist, I'll go this route. If I do, what kinds of discrete data do I want to be able to query/track that I haven't considered?
Question Deals
g: 0 Posted By: linrick
Views: 172 Replies: 1 Why pay twice or even 3 times as much for a zojirushi brand that are made in china anyway. Get this Rosewill Electric 4.0 Liter Water Boiler and Warmer Dispenser model R-HAP-01 for $34.99 after code CEWK1159. Use Shoprunner for free shipping.

I have one since 2011 and still going strong. It's being used every single day so I do get hard water built up on the bottom of the boiler (even tho I use filtered water.) I just fill a few cups of white vinegar and equal parts of water and let it boil at least once a month to clean. it will be good as new once it is cleaned.

linkymoo

amazon's 89 reviews average 4.5 stars
Appliance Deals

Newegg Coupons
Pergo Wood flooring regular price $57.14 on Sale $10.00 at Lowes!
Added on : Sunday April 27th 2014 03:00:03 PM
g: 0 Posted By: bablooudeals
Views: 334 Replies: 3 I was just walking around Lowes and saw these great clearance items. There were few different type of flooring on sale for $10.00 and couple were mark down even at lower price of $5.00.
Be nice its my first post.
Item number: #518148
#391691
#392043
www.lowes.com
Home & Garden Deals

Lowe's Coupons
Pledged Asset Loan, Margin financing, mortgage
Added on : Sunday April 27th 2014 12:00:07 PM
g: 0 Posted By: ronb1
Views: 28 Replies: 0 I've seen some older threads on some of these issues but figured it was worth checking out what people's latest thinking might be for some of this.

Basic scenario is I'm considering either a major home renovation (i.e. teardown and rebuild) or a new purchase. For the sake of simplicity, let's just say that either scenario will cost me $1million.

I'm considering some alternatives to traditional mortgage for a few reasons:

1) Ihave a short sale on my credit history, which makes current mortgages harder to acquire and the rates higher.
2)I've got several million in securities that I can leverage if it makes sense.
3) Many of those securities would be subject to significant capital gains if I were to sell them, so I'd rather leverage the money instead of pay cash and take the tax hit.

Given these parameters, I'm considering a couple of options - Either a Pledged Asset Loan from Schwab, or else just borrowing on margin against my securities. Pledged Asset Loan (PAL) from schwab has a reasonably attractive rate for a $1M loan - 2.4% - but if I'm looking at just borrowing on margin against my securities at interactivebrokers.com (assuming I transfer assets over there) it would be at an even more enticing rate of 1.15% (https://www.interactivebrokers.com/en/index.php?f=interest&p=sch...

I'm aware that major market downturn could force a margin call but unless it's incredibly drastic I can probably cover it. PAL rates are tied to LIBOR so they could go up over time but it's reasonable to assume that I could refinance to a more traditional loan if I needed to, particularly once my credit score improves in another year or two.

Anybody have thoughts about which of the two scenarios make more sense? Or if I'm totally smokin' crack about doing this sort of stuff?

thanks!
New User Question Deals
g: 0 Posted By: beauregard
Views: 169 Replies: 0 I didn't see this posted here yet, but I guess I could have missed it. Anyway, I needed a relatively cheap but halfway decent backpack for an upcoming short trip. Checked the usual places for deals (here first) and came upon this one. It arrived in just a few days and I must admit it's rather nice for the short money. The product code is VTR724-4/28.

Here's the link.

Free Kindle Book- Battlefields of the Civil War (Visitor's Guides)
Added on : Saturday April 26th 2014 09:00:06 AM
g: 0 Posted By: remick
Views: 111 Replies: 0 http://www.amazon.com/dp/B00CKBS1AS

"A practical guide to what took place at the great battlefields of the Civil War and how to tour them now, either on foot or by car, with details on the museums, nearby attractions and activities. Each battle is brought to life, along with the personalities of the men who fought and died there. Covers the battles of Manassas, Shiloh, Antietam, Fredericksburg, Gettysburg, Vicksburg and more. About as good as battlefield guidebooks get, which is very good indeed." (The Bergen Record)

From 1st Manassas on the Bull Run river to Appomattox Court House, from Shiloh to Chancellorsville, and from Gettysburg to Antietam, Chickamauga, Vicksburg, and Fredericksburg, the great battles of the Civil War have all become household names, names that stir the blood and conjure a thousand images of heroism and despair.

But while almost every American is familiar with the most famous of our great fields of war, it should be remembered that the conflict was fought over many such battlefields, some only a shade less well known than their much-publicized counterparts, and many more now long forgotten but nonetheless important to the fate of the nation.

The American Civil War has, over a century and a half, taken on a new appeal. The stories of individual heroism, desperate battles, and great men have passed into legend. Today, all that remains to remind us of those dreadful days so long ago are a few acres carefully set aside and dedicated to the memory of those who died there quiet places where one can be alone, close to the men whose names ring out as clearly today as they did in the throes of fearful conflict: Lee, Jackson, Sherman, Grant and a hundred more.

The battles that helped to shape the nation continue to hold our attention. Every year thousands of people flock to the one-time killing fields to watch as the generals and their armies meet again in realistic re-enactments of those terrible contests.

The Eastern United States, from Washington to Key West, from Savannah to Kansas City, contains a wealth of Civil War sites and military parks. They are all pleasant spots where one can go to spend an hour or two away from the hustle and bustle of city life or a quiet afternoon out with the kids.

Unfortunately, very few of the people who do take the time to visit these magical places have any real idea of their significance and they know even less of the monumental events that took place there. It is hoped that this book will help to change all that.

Within these pages you will find the stories behind some of our nations battlefield parks and historic sites, many well-known, others less familiar, and some that are well off the beaten path.

By telling the story of the action as it took place, by bringing back to life many of the principle characters, and by the telling of the deeds they performed while under the greatest stress imaginable, I hope to make your visits to these special places much more enjoyable and rewarding. You will, I hope, leave them with the feeling that your afternoon in the sunshine was much more than a simple picnic and that you are a little richer for the experience.

The book is designed as a guide to your chosen Field of Glory. Read it as you tour the battlefield. Ponder the great events that took place there events that surely changed the face of our nation.

Covers the battles of Manassas, Fort Donelson, Shiloh, Stones River, Antietam, Fredericksburg, Chancellorsrville, Gettysburg, Vicksburg, Chickamauga and Lookout Mountain.

Totally Free Deals
g: 1 Posted By: jskins
Views: 285 Replies: 0 Mavea Classic Fit Replacement Filter for Brita and PUR (2-Pack) - $5.94 + Free Shipping with Subscribe & Save at Amazon.

Note: Must opt for Subscribe & Save to qualify for Free Shipping without also having to make a minimum $35 order. You may cancel Subscribe & Save at any time after item ships.

Fits Brita and PUR systems
Fewer carbon black bits
No pre-soaking required
Antimicrobial protection; BPA FREE
MAVEA offers a comprehensive filter take-back and recycling program; simply download a shipment label and drop filters in the mail

Home & Garden Deals

Amazon Coupons
Navy federal home equity loan
Added on : Friday April 25th 2014 03:00:07 PM
g: 0 Posted By: nhan1195
Views: 117 Replies: 1 Hi all,

I am doing a home equity loan with Navy federal and I have a few questions I need your help with.

Quick background: bought the house 14 months ago as REO, now appraised at 74% LTV. I have about $25k credit card debts that I want to consolidate with this loan. The APR on those cards range from 7.9% to 19.99%. The equity loan rate is 6.84% for 15 years. I know you can do a bit better some where else but this one we were ok with as they allow us to borrow up to 90% LTV. Received the HUD today, appointment to sign on Monday. Only issue I see is that they want to pay off the credit cards for me, which is fine but the form request to close all the accounts as well. I know what they try to do is to close them down so I don't run them up again, but considering I've been OK handling my money (the money was mainly expenses during college for my and my wife, not the crazy spending ones). My plan is to pay double the $225 monthly that they say until it's done so it will be done in couple years and looks to be better than my regular routine of paying credit card company.

So, I don't think the bank has the authority/right to tell you to close all your accounts, do they(as a condition to offer the loan)? These credit cards, most of them I had for about 10 years with no late payment. Having to close them down doesn't prevent me from opening new ones, but would that negatively affects my credit history? I plan to call them early on Monday to discuss about this.

Looking forwards to what your thoughts are on this case on what I should tell them. Thank you in advance for your inputs.


Question Deals
Advice on Landlord Insurance - Renting out ONLY primary residence.
Added on : Friday April 25th 2014 01:00:12 PM
g: 0 Posted By: hedwigdaowl
Views: 86 Replies: 1 I own a home currently and am looking to rent it out in the next few weeks. I will be traveling back to my country for 4-6 months and so wont be renting another place or have a primary residence. I have home owners insurance throuh AllState and Car insurance through Geico.

My car will be transferred (lease) to another person next week and so I will remove it from Geico next week. I asked All State to convert my home owner's insurance to a "landlord" insurance and they said they cant do it until I have auto insurance with them. And Geico wont write a landlord insurance unless I have another primary residence in the US. Same answers from Liberty Insurance.

My question:
Can I get a landlord insurance (protect against any personal liability after tenant moves in and any damages like fire and water to the home) when I dont have a primary residence here? I will have the tenants get renters insurance - but I dont think that protects the home right (like water damage due to a leak or any liability)?
And can I get Umbrella insurance in such a situation - no auto, just a home thats rented out?
Feels like I would become an investor who lives outside the US? What do they do to protect the rental properties?

Thanks!
Question Deals
Reebok Coupon: 50% Off Crossfit Items + FS
Added on : Friday April 25th 2014 11:00:10 AM
g: 0 Posted By: ShoppingChick
Views: 523 Replies: 0 Reebok is offering 50% Off Crossfit Itemswith promo codeCF50. Also get free shipping and free returns.

A few notables:

Reebok CrossFit Tri-Blend Short Sleeve- $12.49
Reebok CrossFit Tri-Blend Short Sleeve Tee- $12.49
Reebok CrossFit Strength is Beautiful Tank- $16.49

Clothing Deals

Reebok Coupons
Reebok Coupon: 50% Off Crossfit Items
Added on : Friday April 25th 2014 10:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 197 Replies: 0 Reebok is offering 50% Off Crossfit Itemswith promo codeCF50. Also get free shipping and free returns.

A few notables:

Reebok CrossFit Tri-Blend Short Sleeve - $12.49
Reebok CrossFit Tri-Blend Short Sleeve Tee - $12.49
Reebok CrossFit Strength is Beautiful Tank - $16.49

Clothing Deals

Reebok Coupons
foreign transaction fee for online purchases
Added on : Thursday April 24th 2014 04:00:08 PM
g: 0 Posted By: ciszew
Views: 0 Replies: 0 Hello
Im wondering if this is common thing and i was lucky to never experience this before or is it something new.
I recently purchased $3k worth of plane tickets directly from European airline via website when siting in front of my computer in US, i paid with american express credit card. Few days later i noticed extra $80 inforeign transaction fee added to my account. I called AE and complained, rep said that there is nothing he could do so i paid my balances in full and called again to close an account, rep asked me why i explained and again there was nothing she could do so i went ahead and closed an account. Was i right or am i fussing about normal procedure in this case.
PS when buying a ticket the price was displayed in foreign currency, i could changed that to us$ with 2 mouse clicks but didnt think it would matter (and still dont know)
g: 0 Posted By: jess888
Views: 232 Replies: 1 I have not tried this more than once, but it says "Limit 1 offer per transaction." Shows up at the bottom of page 5 of my local safeway weekly ad.

I used some Amex GC's that I had to buy a $100 Amex GC, so that works too.

$10 shopping credit says one coupon per transaction.

Save $10 offyour next shopping visit when you purchase $100 or more in American Express Gift Cards. Offer Valid 4/23 - 5/20/2014. Coupon expires 2 weeks after received. Limit 1 offer per transaction. Subject to availabilty. See gift cards for details, terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Product offer may not be available in all states. Use the American Express Gift Card only at US merchants that accept American Express Cards, except cruise lines and recurring payment. No ATM use. Funds do not expire. Not redeemable for cash, except where required by law. Additional limitations apply. See Cardholder Agreement for complete details. Card issued by American Express Prepaid Card Management Corporation.
Gifts Deals

Safeway Coupons
Received scam email with my REAL name.
Added on : Thursday April 24th 2014 06:00:13 AM
g: -1 Posted By: tedteddy
Views: 144 Replies: 2 I have received quite a few scam emails in my time on the net and I simply ignore them. I got one today that was different. It used my real name. I'm not sure how to proceed on this one. Here is the email:

-----------------
Hi [Real Name],I've got your Lease Agreement ready to sign, please let me know when you will be able to come and sign the contract and please bring with your ID and proof of address.Many thanksYvonne--
Best Regards.
Yvonne Gouws

-------------------------------
Tel: 021 - 856 3185
Fax: 021 - 856 1647Web:www.anpg.co.za
-------------------------------

Andrew Norman Property Group
www.anpg.co.zaSpecialists in Industrial Factory sales, letting and development.===============================================================

I am little bit concerned that someone may have stolen my identity in New Zealand. If anything shady happened there would this effect my credit score in the USA?
Personal Finance Deals
Comcast pulled credit without permission (UPDATE 4-24-14)
Added on : Thursday April 24th 2014 04:01:41 AM
g: 2 Posted By: newlin99
Views: 119 Replies: 6 Here is an update to this thread:http://www.fullofdeals.com/forums/finance/1210791/

Wanted to give everyone an update on the proceedings and get some feedback:

1. Signed up for comcast, asking to pay deposit instead of credit pull
2. Comcast took deposit and still pulled credit
3. Filed federal lawsuit
-------------------------------------------------------------------------------
Transcript with comcast employee:

Atul kumar
Comcast has recently adopted stricker [sic] Federal guidelines to protect our
customers from Identity theft. In order for me to create your Comcast account,
Im required to do a Credit Check. May I have the following information in order
to process a credit check. Your complete Social Security Number?

Guest
on your website it says that I can pay a deposit of $50 and not have a credit check
performed. I would like to do this

Atul kumar
Ok

Atul kumar
Please allow me few moment.
---------------------------------------------------------------------------------
Comcast Credit Policy
A credit check and/or deposit is required for new customers (and customers with
less than six (6) months of payment history) who lease more valuable Comcast
equipment or request Comcast Digital Voice services with a new phone number.
If you select a credit check, you may also be asked to pay a partial deposit. If you
do not want a credit check, you may choose to pay the full deposit.
----------------------------------------------------------------------------------
Judges abbreviated ruling

"Despite the language on the website, the communication between the Plaintiff and the
Comcast representative provides no clear indication that Comcast actually agreed that it would
not request a consumer report if the Plaintiff paid $50. Although the evidence shows that the
Plaintiff reasonably believed that Comcast would not inquire about his credit, it is insufficient to
show that Comcast actually agreed to these terms."

"There is no indication in the current record that the Plaintiff definitively and expressly indicated
to Comcast up front that he would only agree to obtain its services if the credit report
requirement was waived."

"Although Comcasts response arguably suggested that no credit check would be
performed, the factual record is too slight..."
-----------------------------------------------------------------------


Any suggestions going forward?

Personal Finance Deals
g: 2 Posted By: remick
Views: 273 Replies: 2 http://www.amazon.com/dp/B00J4BA01K

Hawaii is famous for her pristine beaches and awesome scenic attractions, but few visitors realize there are hundreds of great things to do and see in the Islands that are absolutely free.
This guidebook will tell you where to find ancient archaeological sites, stargaze atop Mauna Kea, visit the USA's only rainforest zoo, sample wine on Maui, take guided hikes through gorgeous botanical gardens, watch Japanese folk dancing, and much more. All for FREE!
Frances Carter has compiled a gold mine of ideas and tips for enjoying Americas paradise inexpensively. For the budget traveler or anyone who loves a bargain Hawaii for Free is an essential resource.
Totally Free Deals
DiscountMags: Comicbook Sale Starting at $10 per year
Added on : Thursday April 24th 2014 04:01:32 AM
g: 0 Posted By: ShoppingChick
Views: 158 Replies: 0 DiscountMags has the Comicbook Salewith comic books starting as low as $10 per year.

A few notable books:

Batman - $15.99
Batman & Robin - $13.99
Catwoman - $13.99
Superman - $13.99
Justin League America - $15.99
Scooby-Doo, Where are you? - $9.99
Mad - $9.99

Magazines Deals

DiscountMags.com Coupons
Samsung S24D300HL 23.6" LED Monitor w/ HDMI $89.99 + S/H - MicroCenter
Added on : Thursday April 24th 2014 04:01:26 AM
g: 3 Posted By: Jaybird79
Views: 178 Replies: 1 Samsung S24D300HL 23.6" LED Monitor is available at Micro Center for $89.99 + s/h. For a lucky few, it's available for in-store pickup. I purchased the last 2 at my local store.

Visit Micro Center Here

Specs:
Display
Color High Glossy Black
Screen Size 23.6"
Viewable Size 23.6" Viewable Diagonal Size
Widescreen Yes
Viewing Angles 90 horizontal / 65 vertical viewing angles
Maximum Resolution 1920 x 1080
Color Support 16.7 million
Response Time 5ms (GtG)
Brightness 200 cd/m2
Native Contrast Ratio 700:1
Connectivity
VGA 15-pin 1
HDMI 1
Power
Voltage Required AC 100/240 V (50/60Hz)
Power Consumption Operational (Standby) 20 Watts (<0.3 Watts)
What's in the Box
S24D300HL LED Monitor, VGA Cable, Quick Setup Guide
Manufacturer Warranty
Parts 1 Year Limited
Labor 1 Year Limited

Monitors Deals
g: 0 Posted By: remick
Views: 168 Replies: 0 http://www.amazon.com/gp/product/B00B85811G/

Parents worry they don't have the understanding or training to be able to care for their kids in a world that is increasingly superficial, politicized, and performance driven. Disconnected makes the concepts and strategies described in the bestselling Hurt: Inside the World of Today's Teenagers accessible to parents. After the overwhelming response to Hurt, authors Chap and Dee Clark here equip parents with an up-to-date, realistic parenting book that doesn't ignore the harsh realities of adolescent life. It builds a foundation for parents by describing exactly how things have changed, takes them through the various developmental stages their children go through, and gives them workable paradigms for parenting.

From the Inside Flap
EXCERPT FROM CATALOG
It is an obvious fact that parents and children see life differently. Parents and children often assume that the way they view and experience the world is the only way to see and experience the world. This presents a series of relational challenges on its own, but even more important for the parent to consider is that, irregardless of how they see the life and world of their kid, the way the child sees their life and world, in all aspects--relational, social, ethical--is what matters most as they grow up. It is your child's perspective of their own world that ultimately has the greatest influence over them as they grow up. Even in homes where parents work hard to try and understand their children, today's teenagers believe that life is hard, antagonistic, and dismissively impersonal. According to our research, by the time they reach high school, kids feel an almost overwhelming sense of isolation and loneliness. Even the brightest and best kids revealed to our team how damaged they feel under the pressure of what they see as constant evaluation and critique. This feeling fosters a profound insecurity in nearly every adolescent, an inner disquiet that few can verbally pin down but all seem to experience. In order to parent well in today's image- and performance-driven society, where everything from body contour to SAT scores is scrutinized and put down, it is vitally important to recognize that the inside of your adolescent child is a stew of conflicting thoughts and emotions.
From the Back Cover
Your teens live in another world. They encounter different sorts of challenges than you did. But you can learn how to help them navigate our increasingly superficial, politicized, and performance-driven world.

Authors Chap and Dee Clark are not only youth and family experts, they're also parents. In Disconnected, they put their years of research and experience to work to help you understand your teen. This up-to-date, realistic book doesn't ignore the harsh realities of adolescent life. It describes how things have changed since you were a teen and gives you ways to build your relationship with your teens while instilling in them the values they need to thrive in a MySpace world.
Books Deals

Amazon Coupons
g: 0 Posted By: jaymanthegreat
Views: 15 Replies: 0 HP Sparkling Black 14" Pavilion TouchSmart 14-b109wm Laptop PC with Intel Celeron B877 Processor, 4GB Memory, 500GB Hard Drive, Touchscreen, and Windows 8 $348.00

You Save: $50.00 (13%)


Item Description:

With the HP Sparkling Black 14" Pavilion TouchSmart 14-b109wm Laptop PC, you can scroll effortlessly through social networks. Share photos with a few simple taps. Start a Skype chat with a touch. All on a thin and light design you'll want with you all the time.
HP Sparkling Black 14" Pavilion TouchSmart 14-b109wm Laptop PC with Intel Celeron B877 Processor, 4GB Memory, 500GB Hard Drive, Touchscreen and Windows 8: Intel Celeron B877 processor
1.50 GHz
4GB DDR3 SDRAM system memory (expandable to 8GB)
Gives you the power to handle most power-hungry applications and tons of multimedia work
500GB SATA hard drive
Store photos, songs, HD video and more
10/100Base-T Ethernet, 802.11b/g/n Wireless LAN
Connect to a broadband modem with wired Ethernet or wirelessly connect to a WiFi signal or hotspot with the 802.11b/g/n connection
14" diagonal HD BrightView LED-backlit touchscreen display (1366 x 768)
Intel HD GraphicsAdditional Features:
HP TrueVision HD webcam
Multi-format SD memory card reader
Four-cell Li-ion battery
1 x USB 2.0 port, 2 x USB 3.0 ports, 1 x HDMI port, 1 x headphone/microphone jack, 1 x RJ-45 Ethernet portSoftware:
Genuine Microsoft Windows 8 Operating System
Backup and Restore options built into Windows allows you to create safety copies of your most important personal files, so you're always prepared for the worst with the Toshiba Windows 8 LaptopSupport and Warranty:
1-year standard limited warranty
Restore discs are not included (unless specified by supplier). We recommend you use the installed software to create your own restore and backup DVD the first week you use the computer.What's In The Box:
HP Sparkling Black 14" Pavilion TouchSmart 14-b109wm Laptop PC with Intel Celeron B877 Processor, 4GB Memory, 500GB Hard Drive, Touchscreen and Windows 8
Power cord
AC adapter
Quick Start GuideTo see the manufacturer's specifications for this HP laptop, click here.To see a list of our PC Accessories, click here.Trade in your used computer and electronics for more cash to spend at WalMart. Good for your wallet and the environment - click here.ENERGY STAR
Products that are ENERGY STAR-qualified prevent greenhouse gas emissions by meeting strict energy efficiency guidelines set by the U.S. Environmental Protection Agency and the U.S. Department of Energy. The ENERGY STAR name and marks are registered marks owned by the U.S. government, as part of their energy efficiency and environmental activities.

http://www.walmart.com/ip/HP-Sparkling-Black-14-Pavilion-TouchSm...
The Fundamental Investment Discussions Thread
Added on : Wednesday April 23rd 2014 10:00:10 AM
g: 4 Posted By: dshibb
Views: 143 Replies: 1 This thread needs to be created separately from the Individual Stock Discussions thread.

The Individual Stock Discussions thread has been overrun by:

Day Trading
Insane volume of options trading
Excessive turnover
Pop culture herdstocks like GOOG, AAPL, AMZN, NFLX, FB, etc.
A gambling culture

This is likely due to the fact that those that day trade the most and care the most about minute by minute prices will post the most. For this reason, I'm creating this thread to separate out a discussion about individual investments that are longer term in nature.

Reason for Creating Thread

Like it or not, there are a lot of people coming to FWF looking to know where to invest money without reading much before. This is evidenced by all of the "What do I do with $x" threads.
Like it or not, many wont agree to "set and forget" index or mutual funds for all of their money
Maybe others will agree, but I don't like the only thread here devoted to individual positions being one that shows day trading exclusively in a Yahoo message boards sort of way.
If FWF is going to have discussions about individual investments/trades than it will be an improvement to also foster a thread focused on longer term ideas than just short term activity.
I think that the current Individual Stock Discussions thread fosters an image of active investing asbeing sexy, simple, and thoughtless.Thislikely encourages novices to fall into a false, naive sense of security about trading. A longer term focused investment thread would likely produce the opposite effect of discouraging novices from actively picking positions by displaying investment selectionas hard, complex, time consuming, dry, and dense.

What this thread is not

This is not a thread for extolling the virtues of index funds there is an entire forumBogleheads,devoted to that.
This is not a thread to just post each and every buy or sell order you execute
This is not a thread to drop your opinions on each and every quarter about whether abc company will surprise higher or lower
This is not a thread to repeatedly post pricing activity on positions because such short term pricing should be irrelevant to the discussion


A few notes

Unless quoting and discussing previous ideas all new ideas should involve longer posts typically written in thesis form
Investment ideas can involve any asset class, an entire sector, country, strategy, pair, etc. The only criteria is that:

It bespecific enough to discern a unique viewpoint from the general market and thencommunicate that
That it be for a viewpoint that that has at least a half a year time horizon

An example of a solid initial idea postwould involve ( in practicecover as many as you can):

A discernible investment idea
A time horizon by which you are looking at the idea (i.e. many ideas can be both bad in lets say a6 month time horizon andgreat in a 3 year time frame)
A clear summary rationale as to why it is represents an attractive investment to make
A series of facts, numbers, etc. that back up thethesis
An acknowledgement of what risks you are intentionally choosing to bare
Metrics or fact pattern by which you see the thesis as playing out as suspected
Pitfalls you see that could prevent the thesis from playing out and why you think they wont happen
What you define as a successful realization of your thesis and subsequent exit strategy
A general explanation as to how much the ensuing circumstances would have to deviate from your thesis in order for you to drop the thesis



Maybe this will work. Maybe this will flop, but given how the Individual Stock Discussion thread has gone I thought this was worth a shot.

Investing Deals
g: 1 Posted By: ddave3043
Views: 487 Replies: 5 WalMart.com has a bunch of mens NFLjerseys on sale for $10.00 reg. $34.97.Shipping adds $4.95.Not sure about the quality, but at that price I'm in for a few.

Matt Forte
http://www.walmart.com/ip/NFL-Men-s-Chicago-Bears-M-Forte-Jersey/23597192
Ben Roethlisberger
http://www.walmart.com/ip/NFL-Men-s-Pittsburgh-Steelers-B-Roethlisberger-Jersey/23597243
Joe Flacco
http://www.walmart.com/ip/NFL-Men-s-Baltimore-Ravens-J-Flacco-Jersey/23597193
Ray Rice
http://www.walmart.com/ip/NFL-Men-s-Baltimore-Ravens-R-Rice-Jersey/23597204
Arian Foster
http://www.walmart.com/ip/NFL-Men-s-Houston-Texans-A-Foster-Jersey/23597209
Andre Johnson
http://www.walmart.com/ip/NFL-Men-s-Houston-Texans-A-Johnson-Jersey/23597238
Jared Allen
http://www.walmart.com/ip/NFL-Men-s-Minnesota-Vikings-J-Allen-Jersey/23597147
Reggie Wayne
http://www.walmart.com/ip/NFL-Men-s-Indianapolis-Colts-R-Wayne-Jersey/23597135
Matt Schaub
http://www.walmart.com/ip/NFL-Men-s-Houston-Texans-M-Schaub-Jersey/23597142
Brandon Marshall
http://www.walmart.com/ip/NFL-Men-s-Chicago-Bears-B-Marshall-Jersey/23597226
Alfred Morris
http://www.walmart.com/ip/NFL-Men-s-Washington-Redskins-A-Morris-Jersey/23597166
Troy Polamalu
http://www.walmart.com/ip/NFL-Men-s-Pittsburgh-Steelers-T-Polamalu-Jersey/23597225
Clothing Deals

Walmart Coupons
Samsung Galaxy S4 16GB Unlocked GSM $419.99 Staples
Added on : Wednesday April 23rd 2014 06:00:05 AM
g: 0 Posted By: sanereddy
Views: 234 Replies: 0 In the daily deals .. there are few others as well

Samsung Galaxy S4

S3 Mini
Cell Phones Deals

Staples Coupons
Free Kindle Book- Basic Physics: a comprehensive survey
Added on : Wednesday April 23rd 2014 01:01:56 AM
g: 0 Posted By: remick
Views: 23 Replies: 0 http://www.amazon.com/gp/product/B0063E7ZVY

This book gives the reader a lucid and readable account of the basic concepts of physics covering a broad range, where all the concepts are built up from an elementary level and are followed up to a considerable extent, stressing on their internal logic. It is self-contained and comprehensive, based on high school mathematics, including elementary calculus. A few mathematical tools at a more advanced level like surface integrals of vector fields have been explained clearly before these have been made use of.

It will be useful study material for the student of physics starting from the advanced school level right up to the college level and even to the level of graduate studies since it does not stop half way while developing a topic, being tied to this or that particular physics syllabus. Instead, it aims at presenting the entire network made up of basic concepts of physics and giving the reader a view of its beautiful, unitary structure.

This makes the volume a unique source-book of basic physics, of exceptional value not only to the student of physics but to students of other disciplines such as chemistry, engineering, geology and even the biological sciences. It is also quite likely to be of value to physics teachers and to persons with a general interest in physics. It makes for delightful reading, though at a serious level.

How does the tension vary with the angle of winding for a string under friction? How does the Doppler formula look when the source or the observer possesses an acceleration? What is the principle of a three phase power supply? How does a synchronous motor differ from an asynchronous one? Whys is it possible to work out the black body spectrum by referring to an assembly of oscillators? How does ray optics relate to wave optics? What is the Higgs boson?..... For these and many other questions, the reader can turn to the pages of this book, where everything is built up from first principles.
Books & Magazines Deals
g: -1 Posted By: xcougar
Views: 234 Replies: 3 While trying to spend expiring Sears rewards I spotted black package aaa eneloop 4 packs. Hint: check your email from Sears for soon to expire coupons/points. Other eneloop 4 packs were not reasonable prices.
Sears ships this free.Search for eneloop aaa, pick the cheaper one.It should be sold by Sears, and not Sears marketplace vendors. Item should read: "Sanyo eneloop XX Pre-Charged AAA Rechargeable Battery Retail Pack4 Pack"
Item #05703492000 Mfr. Model #HR-4UWXA4
I had white ones in mind when I searched, these claim larger capacity than white with fewer charges. At not much out of pocket it did not matter to me, it may to you.
My real goal was to get handful miles to prevent my balance from expiring with minimal hassle.
Batteries & Chargers Deals

Sears Coupons
The Economics and Psychology of Unlimited Overtime
Added on : Tuesday April 22nd 2014 02:00:07 PM
g: 3 Posted By: Horseymen
Views: 175 Replies: 6 I'm aware there will be multiple answers/perspectives in this - but I'm hoping some people will share their personal stories and perhaps give some insight into this. Ultimately, this comes back to how you value your time.

I am a full time college professor, but I've been selected, when I'm not working, to work on a book publisher project as much as I want - billing $40 an hour - in effect doing editing. It's pretty boring and monotonous but easy the few times I've tried it.

Just doing some simple calculations, just on the current projects, there appears to be over 5,000 hours available of work, and with book revisions every couple of years, and given that there are about 20 books in this series, it almost comes across, as long as I stay in their good graces, that I can do unlimited work.

So my question for the masses - and where I hope people will share stories - how have you managed situations where effectively you can work as much as you want, whenever you want, as long as you want? I'm worried about perhaps getting addicted to it, not setting adequate boundaries, working too much, etc. I know people will answer "It really depends on individual situations/family requirements, etc.." - which is why I am hoping people have stories to share about how they've managed similar projects in the past - perhaps a small business where you could work as much as you want, and you were always guaranteed X return for the time you put into it. Even people who do manufactured spending theoretically can do as much as they want with money orders. Ultimately, I've never really been able to put a specific number to how much I value my time - I've never really considered it - and I don't want to ruin vacations by thinking to myself "Man, if I would have spent this 80 hours working instead of at Disney, I would have made $3200 instead of spending $3200" - so I almost view it as a blessing-curse - so before I got too immersed, FWF is pretty good at offering financial philosophical perspective. I know that if this paid $3 an hour, I sure as hell wouldn't do it - but I'm not sure where a good line is or how to go about setting a line.

Anytime these value of time threads come up - someone shares an anecdote of their brother who valued his time at $100 dollars an hour, so anytime a chance would come up to go to a movie, he would say "$250 dollar movie? No thank you." Realistically though, if I chose to spend a Friday night at home instead of going to a movie, I could trade that 2 hours in for $80 worth of editing. I think learning from other people and their experiences would be helpful. I don't want this to turn into a buffet where I gorge and can't enjoy it - but it is tempting. The cool thing though is it's pretty mindless, and it's at home, so if I need to put it down for a few minutes to do whatever, it's flexible to that end.
Discussion Deals
Buying property from relative and rent back
Added on : Tuesday April 22nd 2014 02:00:07 PM
g: 0 Posted By: masterwood
Views: 263 Replies: 2 I have kind of a unique situation. My fiance parents ran into financial troubles three years ago and had to put their house up for short sale. The sale was to a close friend with the intention is that in a few years they will re-purchase the property at the same price sold. Now the time has come to re-purchase the property however the parents are still having financial issue and is asking me if I would like to purchase the house. The parents will continue living there and pay the actual mortgage for the house and all other expenses. The intention is that in two years they will have enough money to purchase another property close by and I will than occupy the house. The cost to me is the downpayment to purchase the property.

The value of the house is way more than what the market value is and because real estate prices has risen so much in my area, this may be my only opportunity for me to ever own a house this nice at a price that I can afford. I know that this could get messy dealing with family, but a opportunity like this may never come again. The ideal situation is that in two years the parents are back on their feet and move out, but if in the event that doesn't happen it could be a problem for me.

Just wanted to get others thoughts on this.
New User Question Deals
Small Business startup help
Added on : Monday April 21st 2014 08:00:08 PM
g: 0 Posted By: yellowbrotherz
Views: 126 Replies: 0 Hi everyone, first time post but been on FW for a minute. I am about to start a position as a bookkeeper for a lab that pays clients for 2-4 week skin testing surveys. They have been in business for a few years and are doing extremely well, the only issue is that they do not have a system in place to track any of their business expenses/transactions. The owner is trying to hire a consultant to basically set up a financial tracking system (ex. QuickBooks or another kind of expense tracking software).The business pays their business expenses via Credit Card (travel, meals, office supplies), Cash (payment for clients, reimburse for employee travel, meals) and Checks (vendors, client, employees). Also is there any kind of software that is capable of importing credit card transactions automatically into the software after every swipe? Does anyone have any expertise or advice on the best ways to manage business expenses and track so that there are clean records when tax time comes around. Please let me know if there is any specific information you need.Thanks all

Question Deals
Need living expenses without withdrawing from 401k. Advice?
Added on : Monday April 21st 2014 02:00:07 PM
g: 0 Posted By: casual34
Views: 141 Replies: 5 I'm in between jobs and want to have $8-10K to cover living expenses as I deal with car issues and look for my next job. My emergency fund is running dangerously low and I have $80k in a 401K. Obviously I don't want to withdraw from that account as I'll probably only get 50 cents on the dollar after taxes and penalties. What are my options at this point? Should I open a 0% APR credit card, transfer my balance there and put everything on that for the next few months? If so, what features should I be looking for? I've only had a few credit cards in my life and have always just paid them off in full so I'm pretty inexperienced. I could ask parents or friends for a loan but I really don't want to do that because I've always been self-sufficient and would rather not involve others, plus the humiliation factor. I'm embarrassingly ignorant about personal finance (probably why I'm in this position to begin with), so any advice or comments would be really appreciated.
New User Question Deals
g: 0 Posted By: remick
Views: 29 Replies: 0 http://www.amazon.com/dp/B007SANLJC

4.6 out of 5 stars (80 customer reviews)

Revised and expanded edition!

We all want to include emotion in our photographs - it's what separates the "snapshooter" from the artist!
Color is one of - if not THE most important tool we can use to insert emotion. But few of us really know how. Once you've read through this lesson (it's fast and easy) you will never think of color the same again!
For example... we all know that red is a good accent to attract attention. It can also indicate heat, passion or even stop! But there is more, a lot more.
Learn how Baboon Butts affect the way we look at the color red!

Depending on the shade of red used it could elicit emotions like:

Light red - represents joy, sexuality, passion, sensitivity, and love.
Pink - signifies romance, love, and friendship. It denotes feminine qualities and passiveness.
Dark red - is associated with vigor, willpower, rage, anger, leadership, courage, longing, malice, and wrath.
Reddish-brown is associated with harvest and fall.

Here is a copy of the table of contents to show a little of what is covered in this "On Target Photo Training" lesson volume...

Introduction:
Composition Review:
Leading Lines
Diagonal Lines
The Rule Of Thirds
Power Points
Horizontal Power Lines
Vertical Power Lines
Controlling The Viewer With Color
Using Color
Color Is Additive
How Film And Digital Sensors Work
Controlling Emotion With Colors
Changing The "Feel" Of A Photo With Color
Cross Processing And Other Techniques For Edgier Color Effects
The Meaning And Affects Of Various Colors
Color Used To Harmonize
Tying It All Together
The Color Wheel
Get Better Landscape Photography By Using Kodak Yellow!
Focus On People - Not Clothing
Hand Tinting
How Baboon Butts And Red Dresses Affect Your Portrait Photography
Shooting Color - Techniques
How To Intensify The Colors In Your Portrait Photography!
How To Get Stunning Colors In Your Sunset Photography!
Adding Filters
Here Is An Indispensable Filter For Great Landscape Photography!
Photo Exercise
Additional Photo Training

In the section on Using Color - We discuss the concept of color management, how and why it works to elicit emotion in our viewers.
The Color Wheel - The color wheel is a graphic representation that will make it easy to select what colors harmonize and which ones don't. Sometimes you will want harmony, and other times you will want to jar your viewer. Now you will know what colors to use.
And more...and more...and more...
Color is a key element in photo composition but very few courses even mention it! Once you have Volume 10: Control Viewers! Make Your Color Photography "POP!" you will KNOW how the colors in your photos are affecting the viewer!

Totally Free Deals
10 OFF 50 Children's Place GC @ Safeway J4U (YMMV)
Added on : Saturday April 19th 2014 09:00:03 AM
g: 0 Posted By: ritzy344
Views: 193 Replies: 0 Saw a 10 OFF 50 on Children's Place Gift Card in safeway J4U section, could be user specific so YMMV.
Grocery Deals

Safeway Coupons
Spyder Web Strong Dry W.E.B Half Zip Baselayer Top $49.95 FS
Added on : Saturday April 19th 2014 06:00:03 AM
g: 0 Posted By: tedhawkins
Views: 150 Replies: 0 Spyder Web Strong Dry W.E.B Half Zip Baselayer Top $49.95 FS

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

Spyder's Web Strong Dry W.E.B Half Zip Baselayer Top is top of the line for moisture wicking, anti-microbial and lightweight baselayers. The Web Strong is a moisture wicking monster to help you stay incredibly dry and incredibly comfortable because that is the whole point of properly layering before hitting the slopes for a few hours before hitting the lodge.
Clothing Deals
avoiding auto sales tax
Added on : Friday April 18th 2014 10:00:05 PM
g: 0 Posted By: gooseman13
Views: 97 Replies: 1 I live in California but am moving to Texas later this year. Could I:

buy a car in Oregon, paying no sales tax but just registration fee?
Import it to Texas. TXhas a use tax, but from what I read it is not charged to new residents (there is just a $90 fee in lieu of 6.25% tax).

Car would be in CA for fewer than the 20 Day maximum to register an out of state car...
Tax Deals
Family farm dispute
Added on : Friday April 18th 2014 04:00:03 PM
g: 0 Posted By: skagen
Views: 49 Replies: 1 My wife's father and grandfather had a falling out some time ago. Her father had helped save the family farm by contributing a good amount of money starting back in 1986. There was a lot of animosity that arose when there was discussion about paying him back around 1997. Basically, the borrower (grandpa) wanted to pay $50,000 as payment in full, and the lender (wife's father) wanted $100,000. As is common with many family arrangements (or so I hear) there wasn't a great deal of documentation. Things went rather sour, and basically all relations ended.

Fast forward to 2014, and grandfather is in his mid 90s, and there appears to be some wish to reconcile at least this difference.

Here are the details.

During the period of 1986 through probably no later than 1992, there were somewhere between $36k (reasonably substantiated) and $50k in payments fromwife's father to grandpa("it could have been as high as this").
In 1997, an offer was made from grandpa to wife's father in the amount of the $50k. Wife's father, wanting $100k, disagreed. Things clearly got heated and relations broke off. No money changed hands.

I've generally been seen as a fairly objective and logical person, and so I was asked to put together my thoughts on what would be fair. I told my wife that the folks on fatwallet would likely have a lot of good insight, so please don't let me down.

While I don't know the exact payments and when they occurred (I have just $36k-$50k basically, starting from 1986 and going for a few years), I gave them a spreadsheet to work with and my opinions on the interest rate that would be reasonable. There was already some recognition by the executor of grandpa's trust that interest would be paid as he had initially stated "4.7% seems like a fair interest rate" with respect to the 1997 payout offer.

My suggestion was this -
Use annual mortgage rate averages from 1986-1997 against the principal. 1997 was when the payout was not accepted, and I think it changes the way I'd think interest should be calculated.
Post 1997, even though other asset classes would have outperformed, use inflation. While CPI may or may not be a great gauge of inflation to some, it's a gauge and it'd be a way of trying to pay him today the same amount that would have been paid in 1997.

The funny thing is that if they had just split the difference at the time, it'd have been about right based on my calculations.

Any input? I would really like to help find a fair solution for wife's family.
Question Deals
American Express Platinum Card 100,000 MR Points/$450 Fee TARGETED
Added on : Friday April 18th 2014 11:00:08 AM
g: 0 Posted By: lotusgardener
Views: 573 Replies: 13 Recently went on an App-O-Rama to get some points for a few vacation this year, and two months later I received this offer from AMEX.

100,000 MR Points after $3k/3 months.
$450 Annual Fee

$200 Airline Fee Credit (1 Specific Airline) for bag fees, in flight drinks, flight change fees etc.
Priority Pass for $99
Hotel Benefits

So the FW question here is, is it worth the $450 for the quick $1,000.00. The mathematician inside me says yes, my instincts are weary about paying an upfront fee to get the points. Am I crazy???
Credit Deals
American Express Platinum Card 100,000 MR Points/$450 Fee
Added on : Friday April 18th 2014 09:00:07 AM
g: 0 Posted By: lotusgardener
Views: 304 Replies: 5 Recently went on an App-O-Rama to get some points for a few vacation this year, and two months later I received this offer from AMEX.

100,000 MR Points after $3k/3 months.
$450 Annual Fee

$200 Airline Fee Credit (1 Specific Airline) for bag fees, in flight drinks, flight change fees etc.
Priority Pass for $99
Hotel Benefits

So the FW question here is, is it worth the $450 for the quick $1,000.00. The mathematician inside me says yes, my instincts are weary about paying an upfront fee to get the points. Am I crazy???
Credit Deals
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

Amazon Coupons
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

eBay Coupons
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