Home » Search "given" Results

given hot deals search results



 1 2 3 4 5 6 7 >  Last ›
5/5 vs 15/15 vs 30
Added on : Friday July 25th 2014 10:00:12 AM
g: 0 Posted By: pucelle
Views: 258 Replies: 4 So I'm a first time home buyer and decided to buy new construction townhouse in a planned new planned community where I had been looking at apartments. As such, I got a pre-approval from a broker I had met and was waiting until I got a closing date/finishing date from the builder before I went any further. I'm currently going through underwriting with said broker (which I found out is a Wells Fargo affiliate) and just got word the townhouse will be completed next month with a close date of the beginning of September. So I figure now is the time to start looking around at rates and I was originally looking at the 30 year fixed even though I know that I hope to be the house for 3 years and ideally 5-7 before moving to a different state or out of the country. Given that, it doesn't really make sense to me to get a 30 year fixed and when I was looking around I saw the 15/15 from PenFed and the discussion on this site regarding it. 5/5 ARMs seem to also be popular with the increase caps at 2%.

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

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

I know that I could have gotten an existing townhouse in the neighborhood cheaper for the most part but the market is tight where I am so most people are paying above listing price and none of the places I looked at were worth the listing price. My credit is only average so I know that I don't qualify for the best rates. Chase quoted me 4.75% on a 30 year fixed with a mean CS of 670.
Personal Finance Deals
CODE Keyboard w/ MX Clears, Full 104-key $130 Massdrop
Added on : Tuesday July 22nd 2014 03:00:05 PM
g: 0 Posted By: Kougar
Views: 186 Replies: 0 The original CODE keyboard with MX Clear switches is back, and this time also on Massdrop. It's only a minor 16% discount, but given how popular these were and how fast they are selling again it's worth a post.

This is the full size CODE keyboard with all MX Clear switches. Stock price is $155, but Massdrop has them at $130 + $11 shipping. Drop is in 8 days

Massdrop Link: https://www.massdrop.com/buy/code-keyboard-cherry-mx-clears

Original Website:http://codekeyboards.com/
Keyboard & Mouse Deals
MEN'S PUMA RS100 - F/S - $32.99-$34.99 at 6PM.com
Added on : Monday July 21st 2014 10:00:09 AM
g: 2 Posted By: jacqcamer
Views: 203 Replies: 1 MEN'S Puma RS100 - F/S - $32.99-$34.99 at 6PM.com

http://www.6pm.com/puma-rs100-black-dark-shadow-limestone-grey


4 Style Choices


MSRP: $70.00

Sale: $32.99 - $34.99


FREE Shipping



The Puma RS Computer made its first debut back in the '80s and measured distance, time, and calories burned. For the new millennium it has been stripped of the electronics and given a style makeover in a host of new color and material combinations, creating the RS100.
Mesh upper with synthetic leather and synthetic nubuck overlays.
Lace closure for a perfectly snug fit.
Textured Puma Forstirp at the medial and lateral sides.
Woven Puma logo label with Puma Cat logo at the heel.
Breathable EcoOrthoLite sockliner for optimum fit and comfort.
Cushioned midsole.
Grippy rubber outsole.
Shoes Deals

6PM Coupons
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: DaysFan
Views: 167 Replies: 0 linked
Yes, shipping is more than the dress, but it was $99http://www1.macys.com/shop/product/hailey-logan-juniors-ombre-pleated-dress?ID=1474765&CategoryID=18109&RVI=ATB_1&ATB=1&cm_sp=add_to_bag-_-recently_viewed_product-_-juniors-juniors%27+clothing-dresses\Juniors size 9 Hailey Logan Juniors' Ombre Pleated Dress reg $99 now $5.99
\Hailey Logan Juniors' Ombre Pleated Dress


Color:

Pink


Size:

9


Orig. $99.00

Now $5.99
You just saved $93.01

EXTRA 15% OFF ENDS TODAY! Enjoy 15% off select merchandise! CODE: SUPER

A pleated bodice is given illusion detail via mesh insets on this pretty ombre party dress from Hailey Logan.
Polyester; combo: polyester; lining: polyester
Machine wash
Imported
Juniors' dress
Sweetheart neckline
Back zipper closure
Spaghetti straps
Ombre design
Pleated panels and sheer mesh insets at bodice
Banded waist
A-line silhouette
Lined
Hits above knees
Clothing Deals

Macy's 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
How to Negotiate Salary in Contract Position
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: BigManonCampus
Views: 112 Replies: 6 In my current situation, I'm interviewing for a job which I'm very well qualified for with a combination of practical experience in pricing and analytics with a very solid educational background and references to back me up. I applied to a rather generic position through Careerbuilder to a staffing company who has now set me up in some interviews. This is with a very large company (you have heard of their products, likely you've consumed them as well) and is doing very well financially.

I arrived at the interview and everything went great, but then they got into the details and I found out that this was a "permanent contractor position". Basically, they didn't have any money in the payroll budget but had some in the "professional services" budget, so they have to hire this as a contractor and not as a direct employee. That's concern number one because this staffing company offers no benefits. Secondarily, the money that they are talking is barely $50,000 which is a living wage in my area, but not where I want to be. The good news is the company is very excited about me as a candidate and is flying somebody from the corporate office to interview me ASAP and they think I'm a great fit (though I'm sure they say that to all the girls).

Where things get complicated is that the job is very cool. The job description is very interesting, I will be given a lot of leeway and will be regularly interfacing with a very powerful client. I like everything about the job, I have a passion for the industry and as a bonus, the office is a mile and a half from my apartment. My problem is simply that I don't know if I'm willing to take a huge pay cut from the other irons I have in the fire who are offering the salary I want. My secondary concern is that when I asked about whether or not this position could be considered a temp to hire opportunity, the interviewer offered that if I was successful, she would help me find other full time jobs at the company but didn't offer that there was a path to becoming a full time employee.

At this point, I have an interview with a director who is being flown in from the corporate office next week. My plan is to demonstrate how she can't afford not to hire me, and then lay things straight out that I need either a lot more money or a permanent position (or both). While I think I would love the work and the company, I don't know if I can take this type of pay cut.

I'm not interested in cutting the staffing company out of the picture, I want them to be paid their commission for getting me in the door, but I'm just not interested in making new college grad wages when I have several years of experience and an advanced degree. Has anybody ever successfully turned a contract position into a permanent one?

tl;dr: Have a potential contract gig with crappy money, I love the company, the company is very excited about me. How do I turn this contract gig into a permanent one with better money?
Personal Finance Deals
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
Switching jobs - is it worth in this situation?
Added on : Thursday July 17th 2014 07:00:04 AM
g: 0 Posted By: regor1000k
Views: 141 Replies: 1 This is for a friend of mine who appreciates my input to plan his career. I though i will pick brains of folks here as you guys are awesome and practical. Thanks in advance!

My friend is wondering about switching jobs and is evaluating his situation and wants my inputs on it. I thought i will pass it through the forum and get different dimensions of thought.

Friend: JDoe is 30 yrs old, has wife and 6 month old baby. Works as enterprise application analyst.

Curret Job:
- local government, been there 6 years, vested in a retirement system.
-its a civil service position, there is little job security
-does not learn anything, no opportunity to in near future too
-too much office politics in their department where none of developers are given any opportunity to do new things, except if you are liked!
-dead end job other than moving to management where its tooo much politics and mismanaged and stupid people running the show.
-makes $96k a year, 4 day work week and decent health benefits
-good rapport with his managers and co workers, team and business users.
-he owns the application, architects it, and he administers it and has total control of the function.
-poor project managers and leadership on top of him which does not understand things in IT world. they are managers because they know somebody!
- its soo dysfunctional that anybody will feel sick! Especially at 30.

new job he is offered:
-kind of a lateral move and asks for littler lesser experience than what he has.
-same line of work, same enterprise application, at a local state university. The city where he lives has limited options for his expertise.
-sounds like more challenging work as they have just started implementation and have a well structured project plan.
-not sure of office politics or new co workers or team
-pays $79k, same state retirement system but health benefits that are little lesser than current job
-this is an appointed position unlike his present civil service position.
-opportunity to learn more business process as its a new line of business.
-there could be opportunity to advance but he is not sure of how, what and when and how much.
-they hired couple of new grads for the same position last year and trained them, he already brings years of experience in this tool that they are very excited.
-they will get a lot of work done from him and he is afraid if they might over use him compared to trained new grad peers.
-5 day work week can be long days too as its an appointed position.

He is even thinking of this position as he feels he needs to learn new things and and be in an organization where they have a good structured projects and not work with dysfunctional PMs who became one because of politics!
As he is in IT he feels he should not become a dinosaur!
He can move into consulting, but because of family and small kid does not want to travel every week. He wants to enjoy coming home every evening. He is an ex-consultant from on of the good consulting companies like accenture, ibm etc..
He is also pm certified and wants to move up the ladder

I was telling him to look into federal government if he wants to move up and not this path by taking a huge pay cut.

What do you people think?





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
Considerations for Emigrating to NZ/ Negotiating Overseas Offer
Added on : Wednesday July 16th 2014 08:00:04 AM
g: 0 Posted By: Kevo171
Views: 28 Replies: 0 Some background-

It's been a longtime goal of mine to emigrate to New Zealand. I spent time there after college with a year long work visa and fell in love with the country.

Somewhat serendipitously,A company in Wellington, NZ that I've done a couple business deals with is recruiting me to move down and work for them. They made an initial offer that was too low and we're currently at the "we want you, what will it take for you to make the move?" phase in negotiations. Signing an offer means getting a residency visa.

My girlfriend (who qualifies as a partner in New Zealand and who would also get residency) also loves New Zealand and is on board with the move.

Stats-

We're both 28 living inColorado. I recently started a job where my total cash compensation per year is $115k, consisting of $95k in salary, $15k in bonus and the remainder in 401k/HSA contributions. GF makes $50k, bringing our yearly income to $165k per year. We are currently saving >$70k per year. We don't own a house, have no debt and have no obligations keeping us in CO.

Wellington is approximately 40% more expensive than Colorado. The company made an initial low ball offer of $70k not knowing what I currently make- I elected not to tell them in case they came in high. I'm hoping to bridge the gap, given that the skill set that I have is in demand and most people who have this skill set live in very expensive locations like the Bay Area, London, etc.

With wages in NZ being generally low, I doubt that the company would be willing to give me anything above my current compensation, and maybe not even that. I'm weighing the value of permanent residency in NZ (which we'd have after 2 years) plus the fulfillment of a longterm dream with the (likely) decrease in purchasing power. My GF might be able to work remotely for her company while living in NZ, but it is by no means a guarantee. Being able to support the two of us in the event that GF has trouble finding a job an additional consideration.

Questions-

What else should I consider in a move like this? Company will pay for airfare for both of us to get down there and moving expenses. It looks like it will cost in the range of $10k US for stuff+dog to get down there. Reading NZ immigration forums, it sounds like it isn't customary for a companies to pick up the tab on animal transport, which is about $4.5k. Most people tend to find that it is better to ship stuff than to buy new given the high prices of consumer goods in NZ.

What else should I ask for? RT airfare to the US x times per year? Contractual compensation in the event of an acquisition/layoff? Additional vacation beyond their standard 4 weeks/year?Yes, FACTA and double taxation on income >$95k USD are also considerations. We'd hopefully skirt the double taxation because of qualified housing expenses.

Thanks, FWF!
Personal Finance Deals
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
Considering a mortgage...is now the right time to buy a home?
Added on : Sunday July 13th 2014 06:00:07 AM
g: 0 Posted By: t1m0thy
Views: 1504 Replies: 50 My wife and I are considering purchasing our first home. Our financial situation is below.

We would be using Navy Federal's 100% financing program (i.e. zero down) which would give us a resulting 5.25% interest rate with a 1% origination fee and 1.75% funding fee for a 30-year jumbo loan. We are also required to pay into an escrow account as part of the mortgage to cover taxes and other property fees. We live in the San Francisco Bay Area and are looking at houses in the $550k to $650k range. Because we do not have nearly enough for a down payment we are using Navy Federal's zero-down program and accepting a higher interest rate as a result. Estimated all-in monthly payment for a $650k mortgage is $4,200.

We currently live in a relatively inexpensive one bedroom, one bathroom apartment but given that 1) we have a baby on the way, 2) Fed actions seem to indicate a rise in mortgage rates soon and 3) the San Francisco Bay Area housing market seems to be going nowhere but up we are strongly considering becoming homeowners now.

I would love to hear your feedback!

Current Situation

Yearly gross income of $150,000 ($85,000 + $65,000)

The $85,000 salary will jump to $90,000 in March 2015
The $65,000 salary will stay the same

Debts

Monthly rent = $1,100; we are locked into a lease through July 2015 though are landlord has made it abundantly clear (in writing) that we can break our lease without consequenceo
Credit card debt = $12,500

All at 0% through March 2015
$277 minimum monthly payment

Student loan debt = $34,700

$2,250 at 5%, the remainder at 2.5%
$330 minimum monthly payment
We are making the minimum payment on $18,700 of the student loans since the remainder will be forgiven after 10 years of government service

No car payment

Other

I work for the local government so our health insurance is really cheap
11% of the $85,000 salary goes to a pension


Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 98 Replies: 0 Preloaded base maps of the U.S., Canada, Mexico and Puerto Rico
More than 7 million points of interest help you locate useful and interesting destinations, including restaurants, gas stations, hotels and more.
Backlit 6" color touch-screen display
Offers an easy-to-read design and simple navigation.
Text-to-speech guidance and voice prompts
Along with spoken street names let you keep your eyes on the road while receiving directions.
Lifetime traffic updates
Helps you avoid traffic jams and arrive at your destination on time.
IQ Routes technology
Helps you select the most efficient route.
TomTom roadside assistance
Provides access to reliable help 24 hours a day, 7 days a week (additional fees may apply).
Advanced lane guidance
Helps you locate the correct lane while driving.
Alternate route viewer
Allows you to see different routes, so you can easily select one that suits your needs (requires additional receiver RDS-TMC, not included).
Built-in rechargeable lithium-ion battery
With up to 3 hours of battery life.
Automatic rerouting
Provides alternate travel directions in the event of a deviation from the directions given.
Compact design
For go-anywhere portability.

www.bestbuy.com/site/tomtom-via-1605tm-6-gps-with-lifetime-map-u...
GPS Deals

Best Buy Coupons
Considering becoming a homeowner, is now the right time?
Added on : Friday July 11th 2014 08:00:08 PM
g: 0 Posted By: t1m0thy
Views: 22 Replies: 1 My wife and I are considering purchasing our first home. Our financial situation is below.

We would be using Navy Federal's 100% financing program (i.e. zero down) which would give us a resulting 5.25% interest rate with a 1% origination fee and 1.75% funding fee for a 30-year jumbo loan. We are also required to pay into an escrow account as part of the mortgage to cover taxes and other property fees. We live in the San Francisco Bay Area and are looking at houses in the $550k to $650k range. Because we do not have nearly enough for a down payment we are using Navy Federal's zero-down program and accepting a higher interest rate as a result. Estimated all-in monthly payment for a $650k mortgage is $4,200.

We currently live in a relatively inexpensive one bedroom, one bathroom apartment but given that 1) we have a baby on the way, 2) Fed actions seem to indicate a rise in mortgage rates soon and 3) the San Francisco Bay Area housing market seems to be going nowhere but up we are strongly considering becoming homeowners now.

I would love to hear your feedback!

Current Situation

Yearly gross income of $150,000 ($85,000 + $65,000)

The $85,000 salary will jump to $90,000 in March 2015
The $65,000 salary will stay the same

Debts

Monthly rent = $1,100; we are locked into a lease through July 2015 though are landlord has made it abundantly clear (in writing) that we can break our lease without consequenceo
Credit card debt = $12,500

All at 0% through March 2015
$277 minimum monthly payment

Student loan debt = $34,700

$2,250 at 5%, the remainder at 2.5%
$330 minimum monthly payment
We are making the minimum payment on $18,700 of the student loans since the remainder will be forgiven after 10 years of government service

No car payment

Other

I work for the local government so our health insurance is really cheap
11% of the $85,000 salary goes to a pension


Personal Finance Deals
g: 0 Posted By: remick
Views: 85 Replies: 0 Brick ABC: An Alphabet Book Illustrated with LEGO Bricks
http://www.amazon.com/dp/B00CPVO9RM

Brick ABC is an alphabet book illustrated with LEGO bricks. The purpose of this book is to motivate little LEGO fans to learn their ABCs by matching the words with the LEGO objects. The ABC letters and a scene for each letter are built with LEGO bricks in a simple and fun way. Words and short descriptions are given for each scene. Parents can also read to their children and ask them to point at the pictures to find the objects.


5 Little Monkeys Jumpin' on the Bed: A Sing 'N Count Book
http://www.amazon.com/Little-Monkeys-Jumpin-Bed-Count-ebook/dp/B...

5 Little Monkeys Jumpin on the Bed, the classic childrens story and song features Oboe the monkey and DJ the dinosaur. Oboes mama discovers that Oboe and his brothers and sisters are jumpin on their bed. One-by-one they each fall off and bump their head. When Mama calls the Doctor (Dr. DJ), the doctor says, No more monkeys jumpin on the bed. But when Dr. DJ gets home to his own family, guess what his children are doing? This classic childrens song/story will bring joy, laughter, and smiles to tots and parents alike. Children will learn how to count the monkeys on their fingers and gain an entertaining introduction to subtraction every time a monkey falls off the bed.



The Wheels on the Bus: A Sing 'N Move Book
http://www.amazon.com/dp/B00LBMO2IM/

Five Baby Genius characters join together in this book to show children different ways to express happiness. They demonstrate three ways to clap hands; three ways to stomp feet; three ways to shout hooray; and three ways to do all three. What makes this book so much fun is that parent and child will be singing, clapping, stomping, and hooraying along with their favorite Baby Genius characters.
So, if theyre not happy when they start theyll definitely be happy by the time they finish. And, theyll have learned nine ways to show how happy they are.



Old MacDonald had a Farm: A Sing 'N Learn Book
http://www.amazon.com/Old-MacDonald-had-Farm-Genius-ebook/dp/B00...

A fun way for children to learn about farm animals and the sounds they make! Old MacDonald (played by Vinko the Bear) is having a typical day on the farm: he feeds the chickens and collects their eggs as the hens cluck-cluck; he milks a cow as the other cows graze in the pasture and moo-moo; he shears the wool off a sheep as the other sheep envy the newly shorn sheeps haircut and baa-baa. The only thing thats different about this typical day on Old MacDonalds farm is that young readers are clucking, mooing, baaing, and oinking as they sing the familiar song and learn about life on the farm and the sounds that farm animals make.


Books & Magazines 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
Dead Tree Branch Fell on Car
Added on : Friday July 04th 2014 06:00:07 PM
g: 1 Posted By: unimeg
Views: 80 Replies: 4 A branch from a dead tree on the property of my apartment building (actually a condo building, in which I rent a unit from an individual, if that matters) fell on my car during a major storm. Car was parked on the street. Do I have a leg to stand on to get the management company to chip in for the deductible given that the tree is dead & probably should have been removed ages ago? Deductible is $1k. I can pay it, but of course I'd prefer not to.
Question Deals
g: 0 Posted By: Logan71
Views: 115 Replies: 0 Seems like a nice price, given that we're in the middle of lawn-mowing season.

Link

$39.99 - $10 off $30 code NEW10 (new customers only)
= $29.99 with free shipping

Credit goes to yuugotserved at the other site.
Garden Deals

Rakuten.com Shopping Coupons
g: 0 Posted By: StartByServingOthers
Views: 1 Replies: 0 Some states have a no-fault tort that limits your rights to sue under certain circumstances. THe following pertains specifically to Kentucky, but some other states are similar:

In most instances the insurance company charges a higher rate if you "reject" the tort and retain your right to sue. (It also gives other people the right to sue you). However by accepting the tort you also are required to have some medical coverage on your policy. Really the overall price between these two options are pretty similar.

I assume the idea is that everyone benefits from not getting lawyers involved in small accidents. Anyways under the advice I've seen given here by SIS, I carry rather high under-insured and uninsured insurance. But despite how much I've researched this issue I'm not sure I entirely understand it.

Assuming I am in a moderate to bad accident:

Is there any benefit to having Rejected no-Fault? From what I understand No-Fault only limits my ability to sue for small amounts.

Is there any benefit to having the "medical coverage" on my policy?

I'll make another post showing my current coverages and information on the KY tort. I wasting my money rejecting the KY Tort? It looks like I would keep the ability to sue for serious accidents and also have medical coverage included for a lower price than I currently have?
Free Kindle Book- Top Secret Gymnastics Drills (was $14.99)
Added on : Tuesday July 01st 2014 02:00:08 AM
g: 0 Posted By: remick
Views: 233 Replies: 0 http://www.amazon.com/gp/product/B00DXO6TKU

The book ls divided into twenty-five sections, each containing selections from four groups of exercises,
Tumbling, Tricks,pyramids and Games. This method of arrangement has been followed, partly,
for the purpose of supplying varied, ready-made, though flexible,
programs, available at a moment' notice, and partly,
in order to give Illustration of how to join separate exercises into a series in connection
with the description of the movements themselves.
Most of the illustrations have been made from
instantaneous photographs. The descriptions and directions which are
given in the text are those which I have found by experience to in the most
satisfactory progress in the shortest possible time.
Books Deals

Amazon Coupons
Buy $50 of Household Essentials, Get $15 Amazon.com Gift Card
Added on : Monday June 30th 2014 10:00:02 AM
g: 0 Posted By: dhansookh
Views: 37 Replies: 0 For a limited time, spend $50 on select household essentials and get a $15 Amazon Gift Card. Simply add at least $50 worth of the eligible items listed on the link given below and the Gift Cardto your Cart. Your Gift Card discount will be applied at checkout. Offer only applies to products sold and shipped by Amazon.com.
promoPage



g: 0 Posted By: sumitdhar
Views: 101 Replies: 0 First volume of the Kindle Bestseller series and one of Amazon's Top Rated trivia quiz books
With over 75 five star ratings, the InQUIZitive series features quizzes that will give you multiple "Aha!" moments. Each question in this series has been selected with utmost care and the book features trivia not seen in any of the other books. This is an ideal book for party games, family get-togethers and long drives with your family. Get this book right away and impress your friends with trivia that is truly unique.

Limited time offer; get Volume I free till 30th June:
http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

Praise for the InQUIZItive Series:
- Best concept in a trivia book I've ever seen.
- InQUIZitive is extremely infectious!
- Trivia at its best in this written format.
- InQUIZitive series offers a great collection of good trivia questions that will be fun for almost audiences and formats.
- Fascinating questions with answers that will very enjoyably expand your knowledge.

Sample Questions:
Q1. According to the website of the Colchester tourist board during the English Civil War a large cannon was placed strategically on the wall of the castle. A shot from the parliamentary army managed to destroy the wall under the cannon and caused it to tumble to the ground. The Cavaliers (who were loyal to the King) tried to raise the cannon but could not do so as it was too heavy. What was the name of the cannon & how has it been immortalized?
Q2. Canonization is a process by which the Christian church declares a deceased person to be a saint. Now, during the canonization process of the Roman Catholic Church, a lawyer was appointed to argue against the canonization of the person. It was this person's job to take a skeptical view of the candidate's character, to look for holes in the evidence, to argue that any miracles attributed to the candidate were fraudulent, and so on. What was the popular name given to such a lawyer?
Q3. According In her book Fairy Tale Ending, Ursula Sautter offers this hypothesis: After the defeat of the Danes at the Battle of Bornhoved, their lands became available for colonization by the Germans. The German rulers sent out glib recruitment officers offering rich rewards to those who were willing to move to the new lands. Thousands of young adults from Lower Saxony headed west leaving their parents behind. What incident is she trying to explain?

Answers:
1. Humpty Dumpty. It is widely believed this story of the Colchester Cannon is the origin of the nursery rhyme Humpty Dumpty
2. Devil's Advocate. Therefore, today a person who advocates an opposing or unpopular cause for the sake of argument or to expose it to a thorough examination is called a "Devil's Advocate"
3. Pied Piper of Hamelin, luring away the children of the town of Hamelin

Get your copy free right away: http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...
Totally Free Deals
ON SALE: Antik Batik - Elise Black Small Pouch
Added on : Thursday June 26th 2014 09:00:16 AM
Elise Black Small Pouch is crafted on a velvety suede backdrop with an all over natural embroidered motif in an envelope clutch style. Featuring flap magnetic fastening, zip fastening on the inside and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
TaylorMade Lethal Practice Golf Balls (12-pk.) - $14.99 shipped @ Woot
Added on : Wednesday June 25th 2014 03:00:02 PM
g: 0 Posted By: hellokitty27
Views: 55 Replies: 0 Wot has TaylorMade Lethal Practice Golf Balls (12-pk.) for $9.99 w/ $5.00 shipping.

Stamped Practice on the side
5-Layer Technology promotes optimum spin control off every club
Seamless LDP (Low-Drag Performance) dimple pattern promotes the most penetrating flight of any TaylorMade ball
STA-White cast-urethane cover material promotes optimum feel and Tour-calibur spin
Progressive Velocity provides outstanding velocity for any given Swing Speed
Includes 12 golf balls
g: 0 Posted By: upsfeeder88
Views: 126 Replies: 0 Free Movie Rental promo code from M-Goand Wise!
You must open a "NEW" MGO account to redeem your promo code. Promo code expires 8/31/2014
A valid credit card is required when you rent your movie at www.mgo.com
BONUS: When you do open a "NEW" M-Go account you are also given either 1 or 2 free rentals depending on there
terms and conditions for that subscription sign-up period.

RTFNM4GHMDMM One Time Use Only.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 66 Replies: 0 Includes:
The Wizard of Oz (1939), MPAA Rating: G

The Wizard of Oz
The third and definitive film adaptation of L. Frank Baum's 1900 children's fantasy, this musical adventure is a genuine family classic that made Judy Garland a star for her heartfelt performance as Dorothy Gale, an orphaned young girl unhappy with her drab black-and-white existence on her aunt and uncle's dusty Kansas farm. Dorothy yearns to travel "over the rainbow" to a different world, and she gets her wish when a tornado whisks her and her little dog, Toto, to the Technicolorful land of Oz. Having offended the Wicked Witch of the West (Margaret Hamilton), Dorothy is protected from the old crone's wrath by the ruby slippers that she wears. At the suggestion of Glinda, the Good Witch of the North (Billie Burke), Dorothy heads down the Yellow Brick Road to the Emerald City, where dwells the all-powerful Wizard of Oz, who might be able to help the girl return to Kansas. En route, she befriends a Scarecrow (Ray Bolger), a Tin Man (Jack Haley), and a Cowardly Lion (Bert Lahr). The Scarecrow would like to have some brains, the Tin Man craves a heart, and the Lion wants to attain courage; hoping that the Wizard will help them too, they join Dorothy on her odyssey to the Emerald City. Garland was MGM's second choice for Dorothy after Shirley Temple dropped out of the project; and Bolger was to have played the Tin Man but talked co-star Buddy Ebsen into switching roles. When Ebsen proved allergic to the chemicals used in his silver makeup, he was replaced by Haley. Gale Sondergaard was originally to have played the Wicked Witch of the West in a glamorous fashion, until the decision was made to opt for belligerent ugliness, and the Wizard was written for W.C. Fields, who reportedly turned it down because MGM couldn't meet his price. Although Victor Fleming, who also directed Gone With the Wind, was given sole directorial credit, several directors were involved in the shooting, included King Vidor, who shot the opening and closing black-and-white sequences. Harold Arlen and E.Y. Harburg's now-classic Oscar-winning song "Over the Rainbow" was nearly chopped from the picture after the first preview because it "slowed down the action." The Wizard of Oz was too expensive to post a large profit upon initial release; however, after a disappointing reissue in 1955, it was sold to network television, where its annual showings made it a classic

www.bestbuy.com/site/wizard-of-oz-75th-anniversary-aniv-annivers...
Blu Ray Deals

Best Buy 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: ctgolfer
Views: 95 Replies: 0 Best of Warner Bros.: 50 Film Collection (Blu-ray Disc)

Grand Hotel (1932)
Mutiny on the Bounty (1935), MPAA Rating: NR
Gone With the Wind (1939), MPAA Rating: G
The Wizard of Oz (1939), MPAA Rating: G
Citizen Kane (1941), MPAA Rating: PG
The Maltese Falcon (1941), MPAA Rating: NR
Casablanca (1942), MPAA Rating: NR
Mrs. Miniver (1942), MPAA Rating: NR
The Treasure of the Sierra Madre (1948), MPAA Rating: NR
An American in Paris (1951), MPAA Rating: G
A Streetcar Named Desire (1951), MPAA Rating: PG
Gigi (1958), MPAA Rating: G
North by Northwest (1959)
Ben-Hur (1959), MPAA Rating: G
How the West Was Won (1962), MPAA Rating: G
Doctor Zhivago (1965), MPAA Rating: PG-13
Cool Hand Luke (1967), MPAA Rating: PG
2001: A Space Odyssey (1968), MPAA Rating: G
Bullitt (1968), MPAA Rating: PG
Dirty Harry (1971), MPAA Rating: R
A Clockwork Orange (1971), MPAA Rating: R
Willy Wonka and the Chocolate Factory (1971), MPAA Rating: G
The Exorcist (1973), MPAA Rating: R
One Flew Over the Cuckoo's Nest (1975), MPAA Rating: R
Superman: The Movie (1978), MPAA Rating: PG
The Shining (1980), MPAA Rating: R
Chariots of Fire (1981), MPAA Rating: PG
Risky Business (1983), MPAA Rating: R
Amadeus (1984), MPAA Rating: PG
The Color Purple (1985), MPAA Rating: PG-13
Lethal Weapon (1987), MPAA Rating: R
Full Metal Jacket (1987), MPAA Rating: R
Driving Miss Daisy (1989), MPAA Rating: PG
GoodFellas (1990), MPAA Rating: R
Unforgiven (1992), MPAA Rating: R
The Bodyguard (1992), MPAA Rating: R
Natural Born Killers (1994), MPAA Rating: R
The Matrix (1999), MPAA Rating: R
The Lord of the Rings: The Fellowship of the Ring (2001), MPAA Rating: PG-13
Harry Potter and the Sorcerer's Stone (2001), MPAA Rating: PG
The Lord of the Rings: The Two Towers (2002), MPAA Rating: PG-13
The Lord of the Rings: The Return of the King (2003), MPAA Rating: PG-13
Million Dollar Baby (2004), MPAA Rating: PG-13
The Departed (2006), MPAA Rating: R
The Dark Knight (2008), MPAA Rating: PG-13
The Blind Side (2009), MPAA Rating: PG-13
The Hangover (2009), MPAA Rating: R
Sherlock Holmes (2009), MPAA Rating: PG-13
Inception (2010), MPAA Rating: PG-13

www.bestbuy.com/site/best-of-warner-bros--50-film-collection-blu...


Best of Warner Bros.: 100 Film Collection [55 Discs] (DVD)

Includes:
The Jazz Singer (1927)
The Broadway Melody (1929)
Cimarron (1930)
The Public Enemy (1931)
Grand Hotel (1932)
42nd Street (1933), MPAA Rating: NR
A Night at the Opera (1935), MPAA Rating: NR
Mutiny on the Bounty (1935), MPAA Rating: NR
The Great Ziegfeld (1936)
The Life of Emile Zola (1937), MPAA Rating: NR
The Adventures of Robin Hood (1938), MPAA Rating: PG
The Wizard of Oz (1939), MPAA Rating: G
Dark Victory (1939), MPAA Rating: NR
Gone With the Wind (1939), MPAA Rating: G
The Philadelphia Story (1940), MPAA Rating: NR
Citizen Kane (1941), MPAA Rating: PG
The Maltese Falcon (1941), MPAA Rating: NR
Yankee Doodle Dandy (1942), MPAA Rating: NR
Mrs. Miniver (1942), MPAA Rating: NR
Casablanca (1942), MPAA Rating: NR
Gaslight (1944)
Mildred Pierce (1945), MPAA Rating: NR
Anchors Aweigh (1945)
The Best Years of Our Lives (1946)
The Big Sleep (1946), MPAA Rating: NR
The Treasure of the Sierra Madre (1948), MPAA Rating: NR
An American in Paris (1951), MPAA Rating: G
A Streetcar Named Desire (1951), MPAA Rating: PG
Singin' in the Rain (1952), MPAA Rating: G
Seven Brides for Seven Brothers (1954), MPAA Rating: G
A Star Is Born (1954), MPAA Rating: PG
Rebel Without a Cause (1955), MPAA Rating: PG-13
East of Eden (1955), MPAA Rating: PG
The Searchers (1956)
Giant (1956), MPAA Rating: G
Around the World in 80 Days (1956), MPAA Rating: G
A Face in the Crowd (1957)
Gigi (1958), MPAA Rating: G
Cat on a Hot Tin Roof (1958)
North by Northwest (1959)
Ben-Hur (1959), MPAA Rating: G
What Ever Happened to Baby Jane? (1962)
How the West Was Won (1962), MPAA Rating: G
Viva Las Vegas (1964)
Doctor Zhivago (1965), MPAA Rating: PG-13
Who's Afraid of Virginia Woolf? (1966)
Cool Hand Luke (1967), MPAA Rating: PG
The Dirty Dozen (1967)
Bullitt (1968), MPAA Rating: PG
2001: A Space Odyssey (1968), MPAA Rating: G
The Wild Bunch (1969), MPAA Rating: R
A Clockwork Orange (1971), MPAA Rating: R
Willy Wonka and the Chocolate Factory (1971), MPAA Rating: G
Dirty Harry (1971), MPAA Rating: R
Cabaret (1972), MPAA Rating: PG
The Exorcist (1973), MPAA Rating: R
Enter the Dragon (1973), MPAA Rating: R
Blazing Saddles (1974), MPAA Rating: R
Dog Day Afternoon (1975), MPAA Rating: R
One Flew Over the Cuckoo's Nest (1975), MPAA Rating: R
All the President's Men (1976), MPAA Rating: PG
Superman: The Movie (1978), MPAA Rating: PG
The Shining (1980), MPAA Rating: R
Caddyshack (1980), MPAA Rating: R
Clash of the Titans (1981), MPAA Rating: PG
Chariots of Fire (1981), MPAA Rating: PG
The Outsiders (1983), MPAA Rating: PG
National Lampoon's Vacation (1983), MPAA Rating: R
The Right Stuff (1983), MPAA Rating: PG
Risky Business (1983), MPAA Rating: R
Amadeus (1984), MPAA Rating: PG
The Goonies (1985), MPAA Rating: PG
The Color Purple (1985), MPAA Rating: PG-13
Lethal Weapon (1987), MPAA Rating: R
Full Metal Jacket (1987), MPAA Rating: R
Driving Miss Daisy (1989), MPAA Rating: PG
Batman (1989), MPAA Rating: PG-13
GoodFellas (1990), MPAA Rating: R
The Bodyguard (1992), MPAA Rating: R
Unforgiven (1992), MPAA Rating: R
The Fugitive (1993), MPAA Rating: PG-13
Interview With the Vampire (1994), MPAA Rating: R
Natural Born Killers (1994), MPAA Rating: R
The Shawshank Redemption (1994), MPAA Rating: R
Seven (1995), MPAA Rating: R
L.A. Confidential (1997), MPAA Rating: R
The Matrix (1999), MPAA Rating: R
Harry Potter and the Sorcerer's Stone (2001), MPAA Rating: PG
The Lord of the Rings: The Fellowship of the Ring (2001), MPAA Rating: PG-13
The Lord of the Rings: The Two Towers (2002), MPAA Rating: PG-13
The Lord of the Rings: The Return of the King (2003), MPAA Rating: PG-13
The Notebook (2004), MPAA Rating: PG-13
Million Dollar Baby (2004), MPAA Rating: PG-13
The Departed (2006), MPAA Rating: R
300 (2007), MPAA Rating: R
The Dark Knight (2008), MPAA Rating: PG-13
Sherlock Holmes (2009), MPAA Rating: PG-13
The Hangover (2009), MPAA Rating: R
The Blind Side (2009), MPAA Rating: PG-13
Inception (2010), MPAA Rating: PG-13

www.bestbuy.com/site/best-of-warner-bros--100-film-collection-55...
Movies Deals

Best Buy Coupons
g: 0 Posted By: beethovengirl
Views: 16 Replies: 0 Hi,

Short story: My bank did not pay interest on my RCA b/c it switched me to paper statements without my consent, though the bank claims it sent me a letter warning me this would happen. However, I never received this letter, and nor did the way they described the letter indicate it was clear I would cease to qualify for the higher rate of interest. Should I file a complaint with CFPB?

Long story: I have two joint Kasasa checking accounts with a community bank (not sure I need to name it here), one with me as primary and one with my husband as primary. When we first set up online access, we each had separate logins, though I was able to view both accounts via my login, and in practice, I was the only party who ever logged in. For the last qualification cycle, I received a notification saying we did not qualify on the account on which my husband is the primary because supposedly we did not enroll in and/or review eStatements even though we hadn't changed anything and had always qualified previously. I emailed the bank, and they initially responded with boilerplate saying we weren't enrolled in eStatements. I then pointed out we did nothing to change our preference to paper statements. They replied: "Our records shows that both you and [your husband] had Online Banking with us but one had gone dormant, which means it was no longer active, becuase of inactivity for more than 300 days. Because the account with [your husband] as the primary was linked to this Onilne Banking account that went dormant, instead of the other, your account was automatically switched to recieve paper statements."
I wrote back: "When I've logged in, I've always had access to both the checking acct on which I'm the primary and the checking acct on which [my husband] is the primary. I view the eStatements for both accounts from my login. As we did not initiate the action to revert [my husband]'s account to paper statements, I'd appreciate it if you could please credit the interest for the previous statement cycle."
After yet more emails, the bank finally claimed, "While researching this I found where a notice was mailed on Feb. 25th stating that [my husband]s online banking username had not been used in 300 days and would therefore be terminated in 65 days. This notice also stated that any eStatements tied to that online banking login would be deleted and the statements would be switched to a paper statement."
I did not receive this letter, though this is not unusual, as I have chronic issues with my mail service. However, it's still unclear how I was supposed to have interpreted this apparent letter, as I have continuously accessed both of our accounts via my login. In fact, I had actually downloaded an electronic statement for the account on which my husband is the primary owner, but the bank says I viewed this from the Statements tab, not the eStatements tab, which apparently is a crucial difference, so "too bad, so sad." The bank has been firm that they will not credit the interest, which amounts to ~$70, given that we also have an associated Kasasa saver account. Should I file a complaint with CFPB?

One of my concerns is that if I file a complaint with CFPB, the bank will just drop me, and these are high-paying Kasasa accounts.

thanks
Question Deals
owning and managing a mid size apartment building
Added on : Wednesday June 18th 2014 07:00:08 AM
g: 0 Posted By: bxd20
Views: 218 Replies: 2 I have personal experience owning/renting/managing single family homes and duplexes. I have generally preferred the single family homes. In the neighborhoods I feel most comfortable, these are roughly $100,000 homes that rent at around 1% of that per month.

I was browsing MLS listings the other day and ran across a much larger property that I have no experience with. For about $600k, there is a 24 unit building available. Rectangular basic box shape, all brick, built in 1964, total sq ft about 16k, sitting on about 1 acre.

Granted these are small units at 670 sq ft and very plain inside. But they are kept up, in good shape, and the building is fully leased at around $600/month. It is listed as "commercial", I don't know what tax implications that brings about.

This is the first time I've even looked at something like this and the numbers look too good to be true. Even if 4 of 24 units goes vacant, we are talking a monthly rental intake of 2% of purchase cost, double what many here on FW would consider investment grade.

I have the skills to handle all mild to moderate repair and updates myself. If I quit my job, I would have the time to manage the 24 units. (Let's leave that angle out of this thread for now.)

I'd love to hear from other people that have buildings in this general size range. Do you find that the cookie cutter design makes repairs easier, because you know what to expect in each unit? Do you find that common area repairs (roof, drive, parking), while being more expensive and requiring a lot of cash, are easier to manage as projects, than having several smaller properties to juggle and visit? Wouldn't the lost income when someone moves out be much lower than a single family home because a smaller fraction of my investment is unrented at any given time?

I'm having a hard time thinking of negatives, besides the fact that the tenants are more likely to be young, single, perhaps careless, and more transient. But compared to spending $600k on 6 single family homes, we're talking twice the rental income. Seems worth the potential tenant issues.

Thank you to everyone with experience that weighs in!
Real Estate Deals
Up to 60% Off Designer Sale @Barney New York
Added on : Tuesday June 17th 2014 04:00:08 PM
g: 0 Posted By: seemegan
Views: 107 Replies: 0 http://www.barneys.com/on/demandware.store/Sites-BNY-Site/defaul...

Choose from over two dozen designers such as Fendi, Giuseppe Zanotti, Giorgio Aemani, Givenchy, Kenzo, Lavin Miu Miu, Opening Ceremony, Prada, Saint Laurent, Theory, Vince and save up to 60% off! Prices as marked and shipping is free for all orders.

How to get the deal:

Browse sale items, and add to cart (prices reflect all discounts)
Free shipping on all orders

Notable items:

ATM ANTHONY THOMAS MELILLO Broken Stripe Tank Top $102 $39
PAUL SMITH Striped-Sole Socks $9
DANZO East/West Diaper Bag $279
Clothing Deals
House Insurance Claim - Depreciation ?
Added on : Tuesday June 17th 2014 02:00:05 PM
g: 0 Posted By: rwbuck
Views: 0 Replies: 0 Had a major hail storm hit last month. Insurance adjuster has given me a scope of work and afirst check.As it is too latein the day to talk to my agent, I have a question for the fatwallet community. Some of the items they covered, I don't care to replace. Such as themetal roof on the wood shed. No one can seethe hail dings on the roof and it doesn't leak. The adjuster put a replacement cost of the roof at $84,depreciationof $3 andan actual cash value of $81. IfI don't replace the roof, what do I need to do. Do I need to return the $81 they included in the original check? I have other items that I don't want to replace... such as a garage door. They already gave me 1/2 the $800 replacement costs. The hail dings blend in well with all the basketball dings that were already there and if I replace the door it will just get marked up again. Not sure what is proper procedure. Thank you.
Rammed my rental truck into a bridge, need play tips for the game
Added on : Monday June 16th 2014 02:00:08 PM
g: 0 Posted By: mail6234
Views: 50 Replies: 2 Sooooo....

Walked into a truck rental location earlier this month and said "give me your finest dock height rental truck." They said, no problem sir. Would you like the insurance? Why certainly darling. "Full insurance?" But of course! Out I went on my merry way and ran the truck into a bridge necessitating a new roof, left rail and some uprights in the cab portion. I knew my insurance didn't cover it, and I only use a standard Visa so neither would cover that. But alas, I had FULL INSURANCE.

WRONG, SO WRONG. The number of exclusions afterwords was mind boggling. Not covered "theft, tire damage, rim damage, overhead damage, damage by way of negligence etc etc" In fact I'm struggling to come up with many possible covered events at all. Anyways I had a conversation (which I recorded) when returning because I figured hey here comes the back peddling and the store manager straight up admitted they used the terms "full insurance" to generate insurance sales and basically said "we'll work with you." Now I'm not new to this act so I know that means jack squat. Further more going through things I realized I had signed up for "roadside assistance" when I never even asked for such a thing. The whole thing was total sleeeeze.

I got a call today and they're starting out at $7000. They didn't shop the rate around so I asked for the cab VIN number and what the quote included as far as parts so that I can shop it around. I get the feeling that number may drop to around $5000. But still. I'm awful salty about this. Sure it comes down to "read the contract" but when you ask to be fully insured and then someone basically just tells you that's a load of dog shit and then acts like its no big deal I'm not exactly pleased by this conduct.

So I contact a lawyer to see where I stood on something like this and it was more or less "well... not good." Contractual law is much stronger than consumer protection laws and it would be an uphill battle. The lawyer offered to take it at a flat fee $2500. Attorney's fees would be recoverable but only if I was victorious, and I highly doubt I'd be a clear victor.

I'm wondering if anyone has even been through this so I can get a playbook for this. I've seen a couple posts about this and someone else did mention they started at $7000 and settled for $2000. Given the cost of a lawyer is more than that, it seems my best play if I can get them to settle. Otherwise wondering if anyone that has an actual legal background has advice.

My advice BTW is to USE PENSKE from now on. I used a Penske truck afterwords and confirmed with them that they DO cover overhead damage and the truck I had was FANTASTIC. It got better gas mileage I think than the truck I park in my garage. Any help is appreciated.

Also obligatory I AM AN IDIOT
New User Question Deals
g: 0 Posted By: ctgolfer
Views: 548 Replies: 0 Product Description
Includes Absolute Power, Dirty Harry, Gran Torino, Kelly's Heroes, Letters from Iwo Jima, Million Dollar Baby, Mystic River, The Rookie, Unforgiven, Where Eagles Dare.

www.amazon.com/dp/B003AT9D6U/
Blu Ray Deals

Amazon Coupons
g: 0 Posted By: Deals4mykids
Views: 56 Replies: 0 MightySilver via Amazon offers the Clint Eastwood Collection on Blu-ray Disc for $49.92 with free shipping. This 10-disc set includes Absolute Power, Dirty Harry, Gran Torino, Kelly's Heroes, Letters From Iwo Jima, Million Dollar Baby, Mystic River, The Rookie, Unforgiven, and Where Eagles Dare.

http://www.amazon.com/Eastwood-Collection-Absolute-Letters-Unfor...
Blu Ray Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 163 Replies: 0 Product Description
Includes Absolute Power, Dirty Harry, Gran Torino, Kelly's Heroes, Letters from Iwo Jima, Million Dollar Baby, Mystic River, The Rookie, Unforgiven, Where Eagles Dare.

www.amazon.com/dp/B003AT9D6U/
Blu Ray Deals

Amazon Coupons
Free Fathers Day iPhone Case - 1st 3,000
Added on : Sunday June 15th 2014 12:00:12 PM
g: 0 Posted By: remick
Views: 37 Replies: 0 https://www.surveymonkey.com/s/8PJSSF8

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

To say thank you to all those wonderful dads out there we decided to bring back the Sign Up. Share. WIN! Giveaway!!
If this Fathers Day inspired design gets 3000 shares, we'll giveaway 3000 FREE Fathers Day Cases! Just click the link below to sign up!
In order to qualify for a free case you must SHARE and be SIGNED UP.
We have until Tuesday June 17th to reach our goal. Lets Get Sharing!!
Sign up HERE! https://www.surveymonkey.com/s/8PJSSF8
Electronics Deals
25% Back in Rewards @ Staples B&M
Added on : Saturday June 14th 2014 07:00:09 PM
g: 3 Posted By: FlyingDelphin
Views: 348 Replies: 0 In-Store Coupon Code: 35253
Expires June 21, 2014


Valid in Staples U.S. stores only. No limits per day or per member. Offer valid only for original recipient of this email as sent by Staples, and coupon must be presented at time of purchase. Not valid on prior purchases. Promotion is in lieu of standard Staples Rewards. Maximum of one rewards promotion will be given for each item purchased. Price eligible for rewards is the amount paid at checkout after application of all promotions, coupons and rewards redemptions and does not include tax. Not valid on desktop or laptop computers, tablets, netbooks, Apple products, Bose products, Amazon Kindle, Epson ink and toner, HP ink and toner, custom printing orders placed online, gift cards, mobile phones and mobile phone services, Staples EasyTech(sm) professional-grade and on-site services, depot repair and parts, phone cards or postage stamps.
Office & School Supplies Deals

Staples Coupons
How to File an Undertaking in California for a Bank Levy?
Added on : Saturday June 14th 2014 01:00:04 AM
g: 0 Posted By: junkmailncrap
Views: 45 Replies: 0 I was given a third party claim on my bank levy ---
the sheriff sent me instructions to do the following:
The person named above has not file an undertaking with their 3rd party claim of ownership or possession. The property levied upon will be released unless, within 15 days of the date of this notice, the creditor files with the Sheriff an undertaking that satisfies the requirements of section 720.160 ccp, and provides an affidavit of service showing proof that a copy of the undertaking has been served on the beneficiary pursuant to section 995.370 CCP

Please help!!

720.160 ccp states ...
a) If the creditor files with the levying officer an undertaking that satisfies the requirements of this section within the time allowed under subdivision (b) of Section 720.140:
(1) The levying officer shall execute the writ in the manner provided by law unless the third person files an undertaking to release the property pursuant to Chapter 6 (commencing with Section 720.610).
(2) After sale, payment, or delivery of the property pursuant to the writ, the property is free of all claims of the third person for which the creditor has given the undertaking.
(b) Subject to Sections 720.770 and 996.010, unless the creditor elects to file an undertaking in a larger amount, the amount of the undertaking filed by the creditor under this section shall be in the amount of ten thousand dollars ($10,000), or twice the amount of the execution lien as of the date of levy or other enforcement lien as of the date it was created, whichever is the lesser amount.
(c) An undertaking given by the creditor under this chapter shall:
(1) Be made in favor of the third person.
(2) Indemnify the third person against any loss, liability, damages, costs, and attorney's fees, incurred by reason of the enforcement proceedings.
(3) Be conditioned on a final judgment that the third person owns or has the right of possession of the property.
(d) If the creditor is a public entity exempt from giving an undertaking, the public entity shall, in lieu of filing the undertaking, file with the levying officer a notice stating that the public entity opposes the claim of the third person. When so filed, the notice is deemed to satisfy the requirement of this section that an undertaking be filed.

995.370ccp
at the time a bond is given, the principal shall serve a copy of the bond on the beneficiary. an affidavit of service shall be g\given and filed with the bond.

#1 whom should I serve? The defendant? or the person filed the 3rd party claim?
#2 which form should I use? I did find an undertaking form AT-160/CD-140 is this the correct form?
#3 Any thing else I should know or do?

The lawyer didnt want to take this because he didnt want to spend the time researching it. He hasnt seen this before...
Personal Finance Deals
NBA Checking Account $200 in Bonus Rewards from BBVA Compass
Added on : Friday June 13th 2014 08:00:13 AM
g: 0 Posted By: maximoney
Views: 26 Replies: 0 http://www.bbvacompass.com/nba/

Get $75 bonus to open NBA Checking account by June 30, 2014 ($25 minimum deposit).

Earn $100 NBAStore.com electronic gift card to make 3 bill payments of $50 each to unrelated parties.

Earn $15 Amazon.com credit for receiving 2 direct deposits of $300 or more.

Receive $10 iTunes credit for using NBA Check Card to make 40 check card transactions in 30 days.

Full details given at link. Should be available nationwide.
g: 0 Posted By: respdoc
Views: 59 Replies: 0 blue Works 110245 Industrial Grade Dry Lube PTFE Formula Spray, 10 oz. (Pack of 12)


http://www.amazon.com/gp/product/B004O4C3SK/ref=oh_details_o00_s00_i00?ie=UTF8&psc=1



My first thoughts were this is a description error (given the price for 1) but the title, description and shipping weights match up...so I would say there is at least a chance.
g: 0 Posted By: ShoppingChick
Views: 109 Replies: 0 JCPenney is offering $10 Off $25+ in-store only onselect original, regular, sale and clearance-priced apparel, shoes, accessories, fine jewelry and home purchases. Also get an extra10% Off select original, regular, sale and clearance-priced purchases of watches, furniture, mattresses and custom blinds and shades.

"Offers good in store only, excluding taxes, 6/12/14-6/15/14. One coupon per customer per transaction, one use per coupon; must be provided/surrendered at time of purchase.Does not apply to Doorbusters, Big Buys, Best Value, Levi's, Disney Shop, Assets Red Hot Label by Spanx, Nike, Converse, Clarks, Athletic Shoes, Jewelry Trunk Shows, the Diamond Vault, TechnoMarine Watches, Sephora, Le Creuset, Sophie Conran, Royal Doulton, Celebrations, Food, Kitchen Electrics, Floorcare, Joseph Joseph, Hunter Douglas, In-Home Custom Decorating, Art.com, Baby Gear, Services, Service Plans, Gift Cards, Furniture Outlet purchases, current orders and prior purchases, or in combination with other coupon(s). Additionally, in Puerto Rico, discount does not apply to Cosmetics Department, Optical, Bassett furniture, mattresses and accessories, music department, Gift Wrap & More and Universal Sunglasses in Plaza las Amricas. Can be combined with earned jcp rewards. Coupon cannot be used for payment on account. Coupon cannot be redeemed as cash or merchandise credit if merchandise is returned. $ off savings applied to all qualifying items on prorated basis; any refunds will be given in the prorated amount. No cash value."
Clothing Deals

JCPenney Coupons
Amazon---Adonit Jot Pro Silver Stylus $13.58 FS (with Prime)
Added on : Tuesday June 10th 2014 05:00:05 PM
g: 0 Posted By: respdoc
Views: 203 Replies: 0 Adonit Jot Pro Silver Stylus $13.58 and FS with Prime.

http://www.amazon.com/dp/B00931DHKM/


Seems to be a decent discount given these are usually $29.99 per price tracking history. Also the black color (not on sale) seems to be a "best seller" in digital pens.
Tablet Accessories Deals

Amazon Coupons
Inherited/will inherit nearly half a million, what to do?
Added on : Monday June 09th 2014 05:00:12 PM
g: 4 Posted By: echpirate
Views: 2974 Replies: 53 Hey everyone,

I was lucky enough to graduate college with no debt, a car that was given to me and no student loans etc. My parents also said they would pay for whatever grad school I have which is obviously wonderful. On top of that I had about 180k in stocks and funds when I graduated and not have about 210k since I inherited the first part of a family farm being sold and will inherit another ~240k in 2016.

In total I will have about 430-450k depending on how much I spend and earn between now and then. I know that may not sound like a lot of money these days but I'm only 25 and to me it is. What would you do with it? I plan on investing it to turn it into millions someday but I bet that won't be too easy. I'm very frugal and cautious with money and won't spend it on anything I don't need. I'm not trying to flash it it anyone's face either I just wanted to see what other people think.

Thank you!
Investing Deals
Inherited/will inherit over nearly half a million, what to do?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: echpirate
Views: 3 Replies: 0 Hey everyone,

I was lucky enough to graduate college with no debt, a car that was given to me and no student loans etc. My parents also said they would pay for whatever grad school I have which is obviously wonderful. On top of that I had about 180k in stocks and funds when I graduated and not have about 210k since I inherited the first part of a family farm being sold and will inherit another ~240k in 2016.

In total I will have about 430-450k depending on how much I spend and earn between now and then. I know that may not sound like a lot of money these days but I'm only 25 and to me it is. What would you do with it? I plan on investing it to turn it into millions someday but I bet that won't be too easy. I'm very frugal and cautious with money and won't spend it on anything I don't need. I'm not trying to flash it it anyone's face either I just wanted to see what other people think.

Thank you!
Investing Deals
g: 0 Posted By: remick
Views: 260 Replies: 0 http://www.amazon.com/dp/B00B853WHY

4.0 out of 5 stars (25 customer reviews)

The relationship between a father and a son is like none other. Dads have a God-given role to protect and provide for their families, always striving to teach their sons the life skills they'll need to grow into honorable men. But many dads struggle with feelings of inadequacy regarding their fathering abilities. They want to be better dads.

Rick Johnson can show them how. In this insightful and practical book, Johnson shows how fathers can be equipped and inspired to be positive role models for their sons. He stresses the significance of male bonding, discipline, and spiritual leadership; discusses important topics such as sexual purity, respect, and self-discipline; and reveals the top ten mistakes to avoid as a father.

From commitment and courage to honesty and humility, Better Dads, Stronger Sons helps men strive to be the dads God designed them to be--so their sons can grow to be everything they are meant to be.
Books Deals

Amazon Coupons
Free Kindle Book- Oasis: A Spa for Body and Soul (was $12.99)
Added on : Monday June 09th 2014 01:00:06 AM
g: 0 Posted By: remick
Views: 84 Replies: 0 http://www.amazon.com/gp/product/B00A4BQ93M

Women have a tendency to let the busyness of life distract them from taking good care of themselves. But both their physical and spiritual bodies need daily care. Oasis helps women focus on restoring beauty and vitality to their outward appearance as well as their inner being.
Like a well-appointed spa, Oasis provides women with both immediate relaxation and tips on how to nurture a lifestyle of peace and rest for their souls. Packed with ideas that regenerate and replenish body and spirit, Oasis helps women understand and enhance their God-given beauty-inside and out.
Books Deals

Amazon Coupons
ON SALE: Antik Batik - Badra Cream Wallet Clutch
Added on : Saturday June 07th 2014 09:00:05 AM
Badra Cream Wallet Clutch is crafted in velvety suede with an all over embroidered motif in an envelope style that can be worn as a shoulder bag. Featuring flap magnetic fastening, shoulder strap, pom pom tassels and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
ON SALE: Antik Batik - Badra Small Black Pouch
Added on : Saturday June 07th 2014 09:00:05 AM
Badra Small Black Pouch is crafted in velvety suede with an all over embroidered motif in an envelope clutch style. Featuring flap magnetic fastening, zip fastening on the inside and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
ON SALE: Antik Batik - Buffalo Rust Pouch
Added on : Saturday June 07th 2014 09:00:05 AM
Buffalo Rust Pouch is crafted in sleek leather with embroidery and beaded tribal motif in an envelope clutch style. Featuring zip fastening with beaded and leather tassel pull detail and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
ON SALE: Antik Batik - Elise Black Wallet Clutch
Added on : Saturday June 07th 2014 09:00:05 AM
Elise Black Wallet Clutch is crafted in a velvety black suede backdrop with an all over natural embroidered motif in an envelope style that can be worn as a shoulder bag. Featuring flap magnetic fastening, shoulder strap and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
ON SALE: Givenchy - Bambi Print and Flames Men»s Wrap
Added on : Saturday June 07th 2014 09:00:05 AM
Bambi Print and Flames Men»s Wrap is crafted in woven soft cotton and modal blend and features a fusion of the iconic Bambi and ethereal female imagery as center, shooting flame border and finished edge. Made in Italy.
ON SALE: Givenchy - Bug Crest Woven Silk Narrow Tie
Added on : Saturday June 07th 2014 09:00:05 AM
Jacquard silk tie in black with geometric bug crest print. Made in Italy.
ON SALE: Givenchy - Camouflage Print Silk Narrow Tie
Added on : Saturday June 07th 2014 09:00:05 AM
Camouflage Print Silk Narrow Tie is crafted in woven jacquard silk and features and all over camouflage print in varying colors of olive, orange and light blue. Made in Italy.
ON SALE: Givenchy - Favelas 74 Camouflage Cotton and Modal Wrap
Added on : Saturday June 07th 2014 09:00:05 AM
Favelas 74 Camouflage Cotton and Modal Wrap Givenchy is crafted in a Camouflage green cotton and modal blend twill with Favelas 74 number print in white on center, designer logo detail and finished edges. Made in Italy.
ON SALE: Givenchy - Floral HDG Black Silk Square Scarf
Added on : Saturday June 07th 2014 09:00:05 AM
The Floral HDG Black Silk Square Scarf by Givenchy features a the iconic floral print featuring irises and lilies with guilt accents framing the �House de Givenchy� logo. Made in Italy.
ON SALE: Givenchy - Floral Print Cotton Wrap
Added on : Saturday June 07th 2014 09:00:05 AM
Large square cotton wrap. Floral pattern in green, pink and white against a dark background and finished with a vibrant pink frame. Designer signature along scarf border. Made in Italy. Envelope included.
ON SALE: Givenchy - Floral Print Silk Narrow Tie
Added on : Saturday June 07th 2014 09:00:05 AM
Floral Print Silk Narrow Tie is crafted in woven jacquard silk and features digital print collage in floral motif. Made in Italy.
ON SALE: Givenchy - Floral Print Twill Silk Wrap
Added on : Saturday June 07th 2014 09:00:05 AM
Energize any outfit with this multi-coloured floral inspired print on an orange background. Pattern enclosed within a black frame that includes designer name. 100% silk wrap made in Italy. Envelope included.
ON SALE: Givenchy - HDG Signature Woven Silk Narrow Tie
Added on : Saturday June 07th 2014 09:00:05 AM
The Givenchy HDG Signature Woven Silk Narrow Tie features jacquard silk signature HDG pattern in black and signature lining. Made in Italy.
ON SALE: Givenchy - Light Pink Rose Print Silk Narrow Tie
Added on : Saturday June 07th 2014 09:00:05 AM
Light Pink Rose Print Silk Narrow Tie is crafted in jacquard silk and features a digital print of pink roses. Made in Italy.
ON SALE: Givenchy - Madonna Silk Square Scarf
Added on : Saturday June 07th 2014 09:00:05 AM
Madonna Silk Square Scarf is crafted in beautiful soft silk and features the iconic Madonna and child motif using signature imagery with orbs on each corner and finished edge. Made in Italy.
ON SALE: Givenchy - Polkadot Woven Silk Narrow Tie
Added on : Saturday June 07th 2014 09:00:05 AM
Polkadot Woven Silk Narrow Tie crafted in jacquard silk features an all over micro dot motif atop a solid background with small signature logo on bottom corner. Made in Italy.
ON SALE: Givenchy - Rottweiler Print and Signature Cotton Wrap
Added on : Saturday June 07th 2014 09:00:05 AM
Rottweiler Print and Signature Cotton Wrap is crafted in beautifully woven cotton and features four ferocious Rottweilers guarding the corners connected by a chain on army green background, signature in center and black framed finished border. Made in Italy.
ON SALE: Givenchy - Rottweiler Print and Signature Silk Square Scarf
Added on : Saturday June 07th 2014 09:00:05 AM
Rottweiler Print and Signature Silk Square Scarf is crafted in beautifully woven silk and features four ferocious Rottweilers guarding the corners connected by a chain on dark blue green background, white signature in center and white framed finished border. Made in Italy.
ON SALE: Givenchy - Signature Twill Silk Square Scarf
Added on : Saturday June 07th 2014 09:00:05 AM
Classic Signature Givenchy Silk Scarf featuring gold insignia on blue. Made in Italy.
ON SALE: Givenchy - Star, Chain & Diamond Print Twill Silk Wrap
Added on : Saturday June 07th 2014 09:00:05 AM
100% pink silk scarf featuring a delicate floral pattern in stronger pink hues and shades of green to give a very feminine touch to any outfit. Corners embellished with four gold stars. Designer signature within print. Made in Italy. Envelope included.
ON SALE: Pineider - Small - Women»s Nappa Leather Shoulder Bag
Added on : Saturday June 07th 2014 09:00:05 AM
Non classical shapes, small dimensions and lightness, well adapted to a modern and sinuous design define the Small collection. Realized in full grain nappa calfskin leather with Italian leather bridles and tanned with vegetable extracts, the finishing touch is given by the waxing and brushing applied to this leather, a classical technique of the shoe world, used in order to add smoothness and shades of colours to the materials. Dust bag included. Made in Italy.
Free StoriesAlive (children book app) one week subscription codes
Added on : Friday June 06th 2014 12:00:09 PM
g: 0 Posted By: nevo
Views: 64 Replies: 0 I was at the local library and there was some guy handing out a bunch of promo codes for their children reading app called stories alive. It's some kind of children book app for subscription. He showed me on his ipad and there's quite a number of interactive books in there. I asked him if I can grab a bunch of codes to share for other parents and he gave me a stack. I used one on my ipad and I was told the app is on android as well. Anyway here's all the code I've been given and they are one time use codes so please mark the one you have used.

W7ZCSONL
5YH2SHC4
BNA5UK7J
ITJTRPFD
SNUOZ464
VFMI3Z7M
2PQHHP5Z
LXHOJZZ6
ELTGHU7Z
FAWUUN43
5KPRR5F4
D5QOG2FD
S22FJ7DH
XCZU5CJQ
RWKCCIST
FJZSBJ43
VR3APMRM
NYFDP6SD
JX4VWONW
GS3Z53CC
SXCYH5W2
2L2F4LH6
7V2IDDOI
2BEKW65M
XQZIJOK4
YS4BPK3N
VD4ZTMJA
FPGME2QG
MB5T3UFR
2MJHSAZ4
GQ6UBER7
2VTU2VRC
BT4KK4Z3
U2TEPHHT
RR4MADTR
NYKGIAXK
KQ7GEP4U
TZENOEDM
L7T2XG7L
EHMQQFWY
PG4X47G2
HOW3J2BH
RDNI3KCF
N6FDHKOI
L3U4QPEY
EWO2OD7W
I2Q2KUJO
E7ZYWIWN
SDQURDBZ
EWNGFVGL
Totally Free Deals
Refurbished Kindle Fire HD 7", HD Display, Wi-Fi, 8 GB - $59.77
Added on : Friday June 06th 2014 11:00:03 AM
g: 1 Posted By: ShamelesslyThrifty
Views: 313 Replies: 7 Certified Refurbished Kindle Fire HD 7", HD Display, Wi-Fi, 8 GB - Includes Special OffersSold by Amazon Warehouse Deals
Used - Acceptable Condition
No warranty
Please look under "More Buying Choices" and you will see the price and details there (see the attached image for an idea where to click for this price).

I ordered mine (used -acceptable condition) yesterday with Prime shipping and it was delivered today by FedEx. The front screen has ZERO SCRATCHES, I just had to wipe it clean of something that looked like a scratch. The back looks VERY good as well. The screen is bright and everything has tested out great so far. The sound is great. This has no camera and no HDMI out. More details here.

I already have a tablet, but not this size and not an Amazon one. I got this so that I could take advantage of watching Amazon Prime videos on it (streamed and downloaded). The lending library is something I hope to take advantage of. I am also looking forward to some good "Amazon.com Special Offers" that should show up on the sleep screen. Since I like Amazon Prime so much it was a natural choice to pick this up at this price point.

I should mention that I was also given 500 Amazon coins (about $5.00 worth) to use to buy apps when I looked at the apps for the first time with the Kindle Fire HD. This sweetened the deal.
ebook readers Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 471 Replies: 0 http://www.amazon.com/gp/product/B00DXO6UF4/

The book ls divided into twenty-five sections, each containing selections from four groups of exercises,Tumbling, Tricks,pyramids and Games.
This method of arrangement has been followed, partly,for the purpose of supplying varied, ready-made, though flexible,programs, available at a moment' notice, and partly,in order to give Illustration of how to join separate exercises into a series in connectionwith the description of the movements themselves.
Most of the illustrations have been made frominstantaneous photographs. The descriptions and directions which aregiven in the text are those which I have found by experience to in the mosts atisfactory progress in the shortest possible time.



Walking to Lose Weight [A 12 Week Walking Workout Plan
http://www.amazon.com/Walking-Lose-Weight-Week-Workout-ebook/dp/...


Willpower Workout: How To Successfully Strengthen Your Self Discipline & Boost Self Control
http://www.amazon.com/Willpower-Workout-Successfully-Strengthen-...


Yoga for weight loss: The Yoga Bible
http://www.amazon.com/Yoga-weight-loss-beginners-instruction-ebo...


Walk Yourself Thin: Walk 10,000 Steps to Feel Great, Look great and Fit Into those Old Jeans
http://www.amazon.com/Walk-Yourself-Thin-Steps-Great-ebook/dp/B0...
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/gp/product/B00DXO6UF4/

The book ls divided into twenty-five sections, each containing selections from four groups of exercises,
Tumbling, Tricks,pyramids and Games. This method of arrangement has been followed, partly,
for the purpose of supplying varied, ready-made, though flexible,
programs, available at a moment' notice, and partly,
in order to give Illustration of how to join separate exercises into a series in connection
with the description of the movements themselves.
Most of the illustrations have been made from
instantaneous photographs. The descriptions and directions which are
given in the text are those which I have found by experience to in the most
satisfactory progress in the shortest possible time.
g: 0 Posted By: ctgolfer
Views: 109 Replies: 0 Preloaded base maps of the lower 48 U.S. states
Along with Hawaii, Puerto Rico, U.S. Virgin Islands, Cayman Islands and Bahamas, with more than 10 million points of interest and up to 1,000 waypoints to guide you to interesting destinations.
Backlit 5" color touch screen
Easily navigate settings and functions day or night on the large, bright display.
Text-to-speech and turn-by-turn voice prompts
Allow you to keep your eyes on the road while navigating with convenient voice guidance.
Lane assist with junction view
Clearly displays interchanges and junctions with colored arrows to indicate the proper lane for your next turn or exit.
Where Am I? emergency locator
Provides your coordinates and informs you of the nearest address, intersection, hospital, police or fuel station.
Trip computer
Records mileage, maximum speed, total time and more for a comprehensive picture of your journey.
Highway and toll avoidance
Lets you easily select a preferred route. Displays your current speed, speed limit and estimated time of arrival to help you stay informed during transit.
Built-in battery
With up to 2.5 hours of battery life.
Automatic rerouting
Provides alternate travel directions in the event of a deviation from the directions given.
USB interface
For a simple connection to your PC.
Thin design
Offers a sleek look. The mount attaches from the rear to help eliminate distractions.
microSD card slot
Insert a removable memory card (not included) containing additional map data or regional maps to expand your navigational ability.

www.bestbuy.com/site/garmin-nvi-52lm-essential-series-5-gps-with...
GPS Deals

Best Buy Coupons
Garmin - Refurbished nvi 2555LMT 5" GPS $89.99 w/FS @ Best Buy
Added on : Wednesday June 04th 2014 07:00:02 PM
g: 0 Posted By: ctgolfer
Views: 15 Replies: 0 WHAT'S INCLUDED

Garmin Refurbished nvi 2555LMT 5"GPS
Vehicle suction cup mount
USB cable
Lithium-ion battery
3D traffic receiver with vehicle power cable
Owner's manual
PRODUCT FEATURES

Preloaded base maps
Include the U.S., Canada, Mexico, Puerto Rico, the U.S. Virgin Islands and the Bahamas with 1,000 points of interest for local navigation or traveling abroad.
Backlit 5" color touch-screen display
Offers simple operation and a clear view in dim or bright conditions.
Turn-by-turn voice prompts
Convenient voice guidance says aloud street names and upcoming turns for easy step-by-step navigation.
Included FM traffic receiver
With free lifetime traffic service included, provides real-time traffic updates to help you avoid delays.
Choice of route setup
Allows you to customize your trip.
Audio book player
Lets you listen to an audio book while driving, for entertainment.
Built-in lithium-ion battery
With up to 2.5 hours of battery life.
Automatic rerouting
Provides alternate travel directions in the event of a deviation from the directions given.
High-sensitivity, WAAS-enabled GPS receiver
Enhances performance in heavy cloud cover, wooded areas and canyons so you don't have to worry about losing the satellite link. WAAS is Wide Area Augmentation System.
Dual orientation
Enables you to mount the GPS vertically or horizontally for an optimized view.
microSD media card slot
Insert a removable media card (not included) containing additional map data or regional maps to expand your navigational ability.

www.bestbuy.com/site/garmin-refurbished-nvi-2555lmt-5-gps/638670...
GPS Deals

Best Buy Coupons
Homeowners Insurance - CLUE Report
Added on : Wednesday June 04th 2014 01:00:11 PM
g: 0 Posted By: master44
Views: 75 Replies: 1 In 2011 we had a basement pipe burst from freezing outside temps while out of town on vacation; The people watching our house turned off the water, but described what seemed to be a mess. While out of town we contacted our home insurance to see how to proceed; It just happens that the cold temps hit lots of people at the same time and the insurance company was unsuccessful in getting a remediation company out. We cut our trip short and returned home to find that the water in the basement receded and didn't do nearly as much damage as we feared. It cost me maybe $500 to fix things and given our insurance deductible was $1000 we called the insurance company and told them there was no claim.

Fast forward a couple of years, we have seen our home insurance premiums increase 25-30% per year since 2011. With the first 2 increases we called and were told it was due to statewide increases and our house getting older, which sucked, but made sense. This year again we got a 30% increase so I started shopping around only to find quoted premiums are really high, i.e. in 2011 we paid ~$700 and now in 2014 we are paying $1750 and new quotes are coming in at $3900+/-.

I inquired why and was told by one company it was due to our claim in 2011 that shows up on CLUE as a $0 claim, but was still considered and treated as a recent claim. The problem I have is there was no claim ever filed, I only called to get guidance on how to do things right when being out of town so I can make sure I am covered by insurance if needed. Long story short, I called the Insurance company I had in 2011 and asked them to remove the CLUE entry and was told that it isn't possible, the best they were able to do is send me a "Letter of Loss" basically saying they made a claim that was cancelled by me without any action taken on their part.

Question is can I do anything about this? I am now looking at paying really high premiums likely because I spoke to the insurance company about remediation for potential damage. If not, maybe this will serve as a warning not to call insurance unless you are really sure you will use them.

Thanks!
Question Deals
g: 0 Posted By: DaysFan
Views: 102 Replies: 0 http://www.macys.com
linkedReceive a FREE Gym Bag & 10 Fragrance Samples with $80 cologne or men's grooming purchaseWeb ID: 1468685Product DetailsReceive a FREE Gym Bag & 10 Fragrance Samples with $80 cologne or men's grooming purchase. Includes:

GUCCI GUILTY Black Pour Homme
John Varvatos or John Varvatos Artisan Acqua
Karl Lagerfeld Pour Homme- A Macy's Exclusive!
Paco Rabanne 1 Million
ETERNITY Calvin Klein
Vince Camuto Man
Hanae Mori HM or Hanae Mori HiM
Versace Eros
BVLGARI Aqva Amara
Givenchy Gentlemen Only
Your gift will be added automatically at checkout with any $80 cologne or men's grooming purchase. Minimum purchase amount does not include the purchase of gift card(s), tax, shipping or gift wrap charges.
One gift per customer. Available while supplies last. Online only.




FREE SHIPPING EVERY DAYwith $50 beauty purchaseNO PROMO CODE REQUIREDFOR FREE SHIPPING: Place $50 of beauty or fragrance items in your shopping bag. Free Shipping will be automatically applied at checkout, NO PROMO CODE REQUIRED! Minimum purchase amount for Free Shipping does not include gift wrap charges or tax. Offer applies to Standard Shipping to one location and may be applied to Premium or Overnight Shipping for an upgrade fee. Does not apply to Coach (except Coach fragrances), area rugs, furniture, mattresses, gift cards, purchases in Macy's stores or prior purchases. Due to size and/or weight, certain items bear a shipping surcharge, which will still apply. When shipping to multiple addresses, only shipping to the first address will be free; Standard Shipping will apply to all other addresses. Offer cannot be applied to purchases being shipped to US Territories or APO/FPO addresses.
Beauty Deals

Macy's Coupons
g: 0 Posted By: DizzyT71
Views: 191 Replies: 0 Amazon has thePirates of the Caribbean: On Stranger Tides (Two-Disc Blu-ray / DVD Combo in Blu-ray Packaging)on sale for $8.99 with free shipping on $35+.

Next lowest price on Google Productsis $22.49 shipped from a rated merchant.

Disc 1 - Blu-ray Feature Film + Bonus
Disney Second Screen - Simutaneously explore exclusive interactive content with you iPad or computer as you watch the movie
Audio Commentary - With Director Rob Marshall and Executive Producer John DeLuca
Plus All DVD Bonus Features
Disc 2 - DVD Feature Film + Bonus

4/5 Stars based on 910 customer review on product page.

Credit given to msgodec's threadpost.

Blu Ray Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 112 Replies: 0 shipping adds $5

Your choice:



Cobra AMP CELL Irons

The Cobra E9 Face Tech is smart because it makes the spots where you mis-hit the ball more forgiving. By welding a hot, thin face to a softer body, the true metalwood construction means an iron created like a driver. The chassis is customizable for adjusting loft and lie. Cobra's new AMP Cell Technology uses biomimicry to create a cellular structure within the iron to move weight with almost neurotic accuracy.

RIGHT-HANDED

Cobra AMP CELL Iron Graphite shafts or TrueTemper Dynalite 90 shafts
Cobra Lamkin REL 3GEN 360 grip
Configuration available:

4-PW, GW - Right-Handed, Steel, Regular Flex
Price: $259.99 65% off List Price: $750.00

5-PW, SW - Right-Handed, Graphite, Stiff Flex
Price: $259.99 70% off List Price: $875.00



AMP CELL Technology
Distributes weight from the face and body to create perimeter weighting and positions CG behind the Sweet Zone.

Metalwood face-weld construction
Creates a high COR zone and controls weighting with a lighter, high-strength face for explosive distance and forgiveness.

E9 Face Technology
E9 Face Technology is executed through a thicker region in the face
that corresponds to the typical golfer impact pattern.

AMP CELL V-Skid Sole Design
Sculpted sole configuration that improves turf interaction for all swing types.

AMP CELL Vibration Dampening System
Vibration Dampening System tunes vibration for a better sound and feel.



~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

TaylorMade Burner Plus Irons
Price: $259.99 48% off List Price: $499.99


Burner Plus irons offer Legendary Burner power plus maximum TaylorMade forgiveness. The advanced perimeter weighting with extremely high MOI provide unsurpassed forgiveness on off-center hits. An increased degree of offset makes it easier to square the clubface to the ball, discouraging a fade and promoting a distance-enhancing draw.

RIGHT-HANDED

Inverted Cone Technology for increased COR over a larger portion of the face
Advanced perimeter weighting promotes extreme forgiveness on off center hits
Wide and beveled multi-functional sole for low, deep CG and enhanced playability
Vibration management cavity badge for a satisfying sound and solid feel
Arrow 2 grip for superior feel
Large clubface and thick topline creates "can't miss" confidence
Set includes 4-PW, AW
Available in Regular or Stiff Flex

http://sport.woot.com/offers/your-choice-cobra-or-taylormade-iro...
Daily Deals

woot! Coupons
g: 1 Posted By: roger2724
Views: 326 Replies: 24 Newly constructed condos/townhouses in my state are required to have a certain percentage of "affordable housing". The only requirement for this particular property was that you need to make under $49,000 to be eligible and be able to get a mortgage. They run a lottery for these properties as there is huge demand, and I just so happened to win. I am 27, went to college and have a reasonably good job making $45,000 a year, which I expect to increase a bit.

Since I won, I ambeing given the opportunity to purchase a nice 1bedroom condo for $90,000 which is a great deal as other units (which are also 1 bedroomsbut a little biggerand have a balcony)in the same complex are selling for 3x that number. So obviously I willbuy it. There are no restrictions once Ibuy the condo other then that it must be my residence. If I meet a girl she can move in, no impact as my income increases, etc. My monthly payment is going tobe around $850 including taxes and HOA.

The only "catch" is that it will alwaysbe "moderate income housing", so there will notbe much appreciation in the value of the home. It was originallybuilt in the mid 90s and has been sold twice since then. It seems to appreciateabout $1500 in value per year, on average. I do want to get married, have some kids andbuy a regular 3 or 4bedroom house once that happens at some point down the line.

How should I handle this as far as a down payment, paying extra on the mortgage, etc? What do you think the optimal play is here?
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 77 Replies: 0 Preloaded base maps of the United States, Canada, Mexico and Puerto Rico
Along with U.S. Virgin Islands, Cayman Islands and Bahamas, with 10,000,000 points of interest and 1,000 waypoints to guide you toward interesting and useful destinations.
Backlit 5" color touch screen
With 480 x 272 pixels resolution offers a large, bright display for high visibility and simple control.
Text-to-speech and Garmin Real Voice guide
Allow you to keep your eyes on the road while navigating with convenient voice guidance.
Voice recognition
Allows you to wake the GPS with a customized voice command and control the device with both hands on the wheel.
Included traffic receiver
With lifetime traffic service included, provides real-time traffic updates to help you avoid delays. Active lane guidance indicates the lane you need, preparing you to easily navigate interchanges.
photoReal and Bird's Eye junction views
Offer detailed images of junctions along your route to help simplify roadway merging.
PC connectivity
Makes it easy to connect the GPS to a computer using the included USB cable.
Built-in rechargeable battery
With up to 2.5 hours of battery life.
Automatic rerouting
Provides alternate travel directions in the event of a deviation from the directions given.
Bluetooth technology
Lets you make hands-free calls (mobile phone with Bluetooth capability required, not included).
Compact design
For go-anywhere portability.

www.bestbuy.com/site/garmin-nuvi-2597lmt-5-gps-with-built-in-blu...
GPS Deals

Best Buy Coupons
Free Kindle Books - Facing the Dragon (was $15) & Soul of a Tiger
Added on : Wednesday May 28th 2014 06:00:03 AM
g: 0 Posted By: remick
Views: 130 Replies: 0 Facing the Dragon: How a Desperate Act Pulled One Addict Out of Methamphetamine Hell
http://www.amazon.com/dp/B004GUSDQ8

4.9 out of 5 stars (27 customer reviews)

After more than twenty-three years addicted to methamphetamine and otherdrugs, David Parnell put an SKS assault rifle under his chin and pulled the trigger.The blast took off half his face, yet somehow he survived. They called him the 'miracle man' at the Nashville hospital where he'd been pronounced clinically dead. Following an afterlife experience where he briefly experienced hell, David woke up in the hospital, and he was changed forever, both physically and emotionally. In Facing the Dragon, you will witness the slow, agonizing metamorphosis of a good-looking high-school athlete into a violent, drug-dealing, psychotic wife-beater whose children were terrified of him. In graphic detail, you'll relive his suicide attempts and then walk alongside him as he endures countless surgeries to reconstruct his decimated face and learns how to cope with his hideous disfigurement. Now thirty-nine, Parnell is clean and sober and is making the most of the second chance he's been given, bringing his message about the dangers of meth and other drugs to schools, prisons, churches, and antidrug organizations around the world as a full-time lecturer. By experiencing the nightmare of his lifeand his brief glimpse of hellyou will find hope and healing when facing your own life-threatening dragons.


Soul of a Tiger: A Miraculous True Story of a Family Who Survived the Cambodian Genocide
http://www.amazon.com/dp/B00G8P26RQ

4.8 out of 5 stars (49 customer reviews)

Throughout Asia, the tiger has long been a metaphorical creature of magnificent power, magic, tenacious will and independence. Born in the Year of the Tiger, Rachanas undeniable symbolic life or death experiences prove that faith, belief, and the will to survive can prevail above all odds.

In what was one of the most appalling mass murders known to mankind, the Khmer Rouge inflicted evil upon the first class citizens of Cambodia from 1975-1979. Throughout the next gruesome four years of the Killing Fields, and even prior during the Cambodian Civil War, nearly a quarter of the entire countrys population was lost from starvation, torture, insurmountable tragedy, disease, and blatant atrocities. Families were broken and the entire landscape of the country was destroyed.

Inspired by a true story, one young woman defies all odds in this profound journey of love, anger, bravery, forgiveness and survival. Along with her beloved mother and two young daughters, Rachana experiences both the best and worst of mankind. Through insurmountable adversities, this tearfully authentic and courageous story will take you on a compelling pursuit of freedom, surprising sacrifices and life or death decisions to be made along the way.

Books Deals

Amazon Coupons
New Arrivals: Givenchy - Camouflage Print Silk Narrow Tie
Added on : Tuesday May 27th 2014 09:00:04 AM
Camouflage Print Silk Narrow Tie is crafted in woven jacquard silk and features and all over camouflage print in varying colors of olive, orange and light blue. Made in Italy.
New Arrivals: Givenchy - Floral Print Silk Narrow Tie
Added on : Tuesday May 27th 2014 09:00:04 AM
Floral Print Silk Narrow Tie is crafted in woven jacquard silk and features digital print collage in floral motif. Made in Italy.
New Arrivals: Givenchy - Light Pink Rose Print Silk Narrow Tie
Added on : Tuesday May 27th 2014 09:00:04 AM
Light Pink Rose Print Silk Narrow Tie is crafted in jacquard silk and features a digital print of pink roses. Made in Italy.
New Arrivals: Givenchy - Polkadot Woven Silk Narrow Tie
Added on : Tuesday May 27th 2014 09:00:04 AM
Polkadot Woven Silk Narrow Tie crafted in jacquard silk features an all over micro dot motif atop a solid background with small signature logo on bottom corner. Made in Italy.
New Arrivals: Givenchy - Madonna Silk Square Scarf
Added on : Tuesday May 27th 2014 09:00:04 AM
Madonna Silk Square Scarf is crafted in beautiful soft silk and features the iconic Madonna and child motif using signature imagery with orbs on each corner and finished edge. Made in Italy.
New Arrivals: Givenchy - Bambi Print and Flames Men»s Wrap
Added on : Tuesday May 27th 2014 09:00:04 AM
Bambi Print and Flames Men»s Wrap is crafted in woven soft cotton and modal blend and features a fusion of the iconic Bambi and ethereal female imagery as center, shooting flame border and finished edge. Made in Italy.
g: 4 Posted By: remick
Views: 302 Replies: 0 http://www.amazon.com/dp/B004ZLB9WI

4.7 out of 5 stars (36 customer reviews)

Too often Christians carry a lot of guilt and baggage when it comes to their relationship with God. The problem is that so many of us believe unbiblical, damaging things about how critical God is and how fed up he must be with us. But many of the things we think Jesus would say to us--things like "I can't believe you call yourself a Christian," "If you really loved me, you'd try harder," and "I'm so disappointed in you"--are things he never said. The solution, says Will Davis Jr., is to stop believing the lies and start believing the things Jesus did say.

In 10 Things Jesus Never Said, Davis unmasks commonly believed myths about our relationship with God and shows readers how to replace this pervasive theology of failure with the truth of how Jesus really feels about them. Discussion questions at the end of each chapter help small groups or individuals apply these truths to their current situations. Anyone who has ever felt that they didn't measure up to God's standards will love this freeing exploration of grace and forgiveness.
Books Deals

Amazon Coupons
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
Price perception problem inhibiting sales.
Added on : Wednesday May 21st 2014 09:00:09 AM
g: 0 Posted By: zapjb
Views: 0 Replies: 0 What I get caught up in is perceived value by my customers moving or not moving products.

Just for easy numbers Though the numbers vary quite a bit. Say an average cost in parts totals $60 per unit.
I'll add this is just a sideline although I'd like to ramp up my sales by 5x or more. I won't figure in labor here
because I have extra time & repairing these units is therapeutic. If I started running out of free time then I'd
figure it in. Average sales price is $130 & I sell around 4 units a month. Sometimes I say let me goose the
sales & I lower to $100 per unit. Then at $100 virtually no sales. At $90 the phone doesn't ring at all. So I think
I'm being too greedy to improve sales but experience of lowering my prices many times proves me wrong.
Frustrating.

My 1st experience at this price problem was maybe 15 years ago. TM was selling their SIM cards at $20 a pop.
I was buying PP TM phones selling them for $20-$50 more a phone. I'd separate the SIM & sell them for $10.
At one point I had 5 SIMs, I was moving far away & I think these SIMs expired after a while. So I lowered my
price to $5, no calls or sales for 10 days. Then I upped them to $10 & sold 3 in 5 days.

I know this is a very small sample. But subjectively this price perception hurting sales has driven me nuts.
I don't know that theres much advice to given other than OP you're not telling us enough. But I'm just venting
I guess. The flea market 200-300% markup thread made me think of this again. Now hopefully I'll forget this.
HOA - How to get home survey done for cheap (Help pls)
Added on : Wednesday May 21st 2014 07:00:06 AM
g: 0 Posted By: speddi
Views: 121 Replies: 12 I am trying to get a fence put up in our back yard and submitted a request to our HOA with the map given by the fencing company. HOA is asking for a survey and I don't have any. They don't have a problem with the material that is being used and the fence is well within the boundaries of my property.

1. How to get a survey done for cheap?
2. If I cannot get a survey and put the fence, what can HOA do? Will there be any legal action since the material meets the HOA covenants?

If this doesn't fall into this forum, please let me know which forum I need to move this to.

Thank you,
Personal Finance Deals
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
g: 0 Posted By: ctgolfer
Views: 13 Replies: 0 Running Time:518 minutes
Format:DVD
Box Type:Gift Box
Feature Comments:Films included: 1. Where Eagles Dare, 1968, 2. Kelly's Heroes, 1970, 3. Dirty Harry, 1971, 4. Magnum Force, 1973, 5. The Enforcer, 1975, 6. The Outlaw Josey Wales, 1976, 7. The Gauntlet, 1977, 8. Every Which Way but Loose, 1978, 9. Bronco Billy, 1980, 10. Any Which Way You Can, 1980, 11. Honkytonk Man, 1982, 12. Firefox, 1982, 13. Sudden Impact, 1983, 14. City Heat, 1984, 15. Tightrope, 1984, 16. Pale Rider, 1985, 17. Heartbreak Ridge, 1986, 18. Bird, 1988, 19. The Dead Pool, 1988, 20. Pink Cadillac, 1989, 21. White Hunter, Black Heart, 1990, 22. The Rookie, 1990, 23. Unforgiven, 1992, 24. A Perfect World, 1993, 25. The Bridges of Madison County, 1995, 26. Absolute Power, 1997, 27. Midnight in the Garden of Good and Evil, 1997, 28. True Crime, 1999, 29. Space Cowboys, 2000, 30. Blood Work, 2002, 31. Mystic River, 2003, 32. Million Dollar Baby, 2004, 33. Letters from Iwo Jima, 2006, 34. Gran Torino, 2008, 35. Invictus plus The Eastwood Factor. 2009 documentary

www.wbshop.com/product/code/1000170361.do
DVD Deals

WBShop.com Coupons
g: 0 Posted By: remick
Views: 193 Replies: 0 http://www.amazon.com/dp/B0082AW2OC

4.3 out of 5 stars (31 customer reviews)

Miracles give us hope. But while readers are fascinated by stories of miracles, they aren't always sure which ones to believe. Stafford takes a careful look at miraculous events in our modern world--some hard to accept and others hard to deny--then places them in a historical and biblical context. Along the way he explores questions about where and under what circumstances miracles occur today, and what role they should play in the lives of Christians


Also free

Forgiving Others As God Forgives
http://www.amazon.com/gp/product/B00B1I3EW6/

This is my second book on forgiveness (True Christian Forgiveness available from Kindle) which will attempt to expound on this very important and vital characteristic in the life of a Christian. Forgiving others as you have been forgiven by God through Jesus Christ is something most often over-looked, passively preached by pastors, and probably one of the hardest but most important disciplines you will ever attempt to follow in your walk with the Lord Jesus Christ.
Books Deals

Amazon Coupons
First Trade Union Bank $10 a month for 5 monthly ACH, any amount.
Added on : Saturday May 17th 2014 10:00:15 AM
g: 0 Posted By: DWooley
Views: 221 Replies: 0 Start earning more from your checking account!
Earning more is important to you, which is why we give you more ways to earn money with First Trade.
For a limited time, get up to $50 with your FT Checking by setting up direct deposit!1
Here's how to get your $50:

Set up a qualified recurring direct deposit into your FT Checking account
Earn $10 a month for up to 5 months as a bonus into your account

Hurry this offer ends on 6/30/14! Setting up direct deposit is easy. Simply download our convenient direct deposit form, complete it and provide it to your employer or source of income.

1) Open a new FT Checking account by 6/30/14. Application must be submitted by 11:59 PM ET on 6/30/14 to qualify. First Trade Union Bank will deposit $10.00 into your FT Checking for up to five (5) months for every month a qualifying recurring Direct Deposit greater than or equal to $100.00 is credited to the FT Checking account. A qualifying recurring direct deposit is defined as the direct deposit of a paycheck, salary, pension, or government benefits electronically deposited by an employer or an outside agency. Bank-to-bank transfers between accounts held by the same individual, transfers between accounts both held at First Trade Union Bank, and deposits made via a banking location, ATM or remote capture process (phone, tablet, scanner) do not qualify. In the event that we determine in our sole discretion that the activity on your account does not qualify, we will not be obligated to credit your account with the payout. Direct Deposit must be credited in the following months in order to qualify: April 2014 - December 2014. After the first month that the Direct Deposit is credited to the FT Checking account, individuals will then have up to four (4) consecutive months to have a Direct Deposit credit their account and earn the $10.00 bonus. If no Direct Deposit is credited in a given month, the individual forfeits the $10.00 bonus for that month. Minimum dollar amount to open an FT Checking Account is $100.00. FT Checking account balance must be greater than $100.00 at the time the bonus(es) are credited to the account. The bonuses will be credited to the FT Checking account within 60 calendar days after the Direct Deposit has been credited to the FT Checking account. The cash bonuses are limited to one (1) per individual. If an individual opens multiple sole or joint FT Checking accounts, he/she is only eligible for one (1) direct deposit bonus. Businesses are not eligible to receive a bonus. The cash bonuses credited to the FT Checking account will be reported to the IRS in the form of a 1099-INT. Recipients are solely responsible for any applicable federal, state and local taxes. Please consult a tax attorney if you have any questions about this offer. This offer is valid for FT Checking accounts only. Individuals that opened checking accounts in 2011, 2012 and/or 2013 that received bonus payouts tied to direct deposit promotion running during that time period do not qualify for this promotion. First Trade reserves the right to discontinue or modify this offer at any time. Rate tiers are as follows: 0.00% APY applies to balances of $0.01-$999.99 and 0.05% APY applies to balances the entire balance of $1,000.00 and up. Rates may change after account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) is accurate as of 5/17/2014.
Investing Deals
g: 0 Posted By: DWooley
Views: 11 Replies: 0 If you forgot to close the account from this promotion:
http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...
here is additional $50, check your email for details:

Start earning more from your checking account!
Earning more is important to you, which is why we give you more ways to earn money with First Trade.
For a limited time, get up to $50 with your FT Checking by setting up direct deposit!1
Here's how to get your $50:

Set up a qualified recurring direct deposit into your FT Checking account
Earn $10 a month for up to 5 months as a bonus into your account

Hurry this offer ends on 6/30/14! Setting up direct deposit is easy. Simply download our convenient direct deposit form, complete it and provide it to your employer or source of income.

1) Open a new FT Checking account by 6/30/14. Application must be submitted by 11:59 PM ET on 6/30/14 to qualify. First Trade Union Bank will deposit $10.00 into your FT Checking for up to five (5) months for every month a qualifying recurring Direct Deposit greater than or equal to $100.00 is credited to the FT Checking account. A qualifying recurring direct deposit is defined as the direct deposit of a paycheck, salary, pension, or government benefits electronically deposited by an employer or an outside agency. Bank-to-bank transfers between accounts held by the same individual, transfers between accounts both held at First Trade Union Bank, and deposits made via a banking location, ATM or remote capture process (phone, tablet, scanner) do not qualify. In the event that we determine in our sole discretion that the activity on your account does not qualify, we will not be obligated to credit your account with the payout. Direct Deposit must be credited in the following months in order to qualify: April 2014 - December 2014. After the first month that the Direct Deposit is credited to the FT Checking account, individuals will then have up to four (4) consecutive months to have a Direct Deposit credit their account and earn the $10.00 bonus. If no Direct Deposit is credited in a given month, the individual forfeits the $10.00 bonus for that month. Minimum dollar amount to open an FT Checking Account is $100.00. FT Checking account balance must be greater than $100.00 at the time the bonus(es) are credited to the account. The bonuses will be credited to the FT Checking account within 60 calendar days after the Direct Deposit has been credited to the FT Checking account. The cash bonuses are limited to one (1) per individual. If an individual opens multiple sole or joint FT Checking accounts, he/she is only eligible for one (1) direct deposit bonus. Businesses are not eligible to receive a bonus. The cash bonuses credited to the FT Checking account will be reported to the IRS in the form of a 1099-INT. Recipients are solely responsible for any applicable federal, state and local taxes. Please consult a tax attorney if you have any questions about this offer. This offer is valid for FT Checking accounts only. Individuals that opened checking accounts in 2011, 2012 and/or 2013 that received bonus payouts tied to direct deposit promotion running during that time period do not qualify for this promotion. First Trade reserves the right to discontinue or modify this offer at any time. Rate tiers are as follows: 0.00% APY applies to balances of $0.01-$999.99 and 0.05% APY applies to balances the entire balance of $1,000.00 and up. Rates may change after account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) is accurate as of 5/17/2014.
Risk in Accepting Current Company's Counter?
Added on : Thursday May 15th 2014 01:00:05 PM
g: 0 Posted By: Kevo171
Views: 104 Replies: 2 I currently make $80k including salary and ~25% yearly bonus. I've been recruited into a role in a different industry with an offer of $95k +10-15% yearly bonus. Total yearly cash would be in the $105-$107k range.

My current company is a mobile company with a startup vibe- lots of people in their 20s and 30s (I'm 28). Catered food. Beer fridge, etc. If I need to stay late dinner gets paid for by the company. When I travel, I stay at really nice hotels. The other company is a bit more traditional (web, but not mobile) and slightly farther away (10 more minutes each way). Benefits are good in both places. The new role offers a small equity position that I don't currently have. New company also prides themselves in work-life balance and apparently it is rare to stay past 5pm.

My current company hasn't been performing as well recently (I worry that bonuses will dwindle in the future), so I expected that they wouldn't counter. However, afterI brought up the offer to my current company they are working on a retention package.

FWF, do you think that there is too much risk in staying at my current role even if they match my offer given that my company might think I have one foot out the door?

Edit to add- I really enjoy my current coworkers and I have a great relationship with my boss. I regularly hang out with coworkers outside the office. High level strategy has caused some issues recently and we aren't as profitable as we once were, so I worry about the long term stability of my current company.
Question Deals
SQUATTERS! what would you do?
Added on : Thursday May 15th 2014 07:00:09 AM
g: 0 Posted By: solarUS
Views: 23 Replies: 0 I acquired a tax lien on a property in my town (New Olreans) last year. An old double very close to the French Quarter, with good bones, but needing total rehab. Under state law, the earliest I can acquire full title to the house isspring 2015. Meantime, there are now squatters set up in it. The front doors both lock, but the back door has been off the house for some time (before i bought it) and that is their point of entry. They have put some nasty furniture in it, and even cleaned up all the shit that was there from the last set of squatters. There are absolutely no utilities, mind you. These are gutter punks, and crazy ones it looks like, given all the nutty writing all over the walls ("i'm sorry i missed agent orange" for example). My only real concern here is that on a cold night, they start a fire and burn the house down...happens pretty often down here. Not a big concern in the summer, but I would prefer to nip this in the bud. Insurance is obviously improssible. There is a provision with tax liens, that a lienholder can take possession of a property in order to protect it. I did ask a lawyer about this, who said i can do what's necessary, but i paid him $0 so i value the advice at that. The property is worth a bit of money, even in the present state. I'm guessing $60-70k. I have about $4-5k in it. The house burning down is really the only way i lose here.

Options:
1) Approach owner to purchase house. Not likely, given that there is an "et al" on the title, indicating that there is more than one party.
2) Call police for trespass. NOPD are horrendous. Likely to get nothing out of this.
3) Rent dumpster. empty house. board everything up with a preponderance of nails. My preferred option.
4) Report a break-in. Might get the cops out faster.
5) say "screw it" until the weather gets cold, and hope they leave by then.

Anything I am not considering? other options? risks? TIA
Made in Italy.
New Arrivals: Givenchy - Spirituality Silk Square Scarf
Added on : Monday May 12th 2014 09:00:06 AM
Made in Italy.
Made in Italy.
Made in Italy.
Made in Italy.
g: 0 Posted By: DaysFan
Views: 209 Replies: 0 JCPenney: $10 Off $25 Select Items + Extra 10% Off Furniture, Watches & More in StoresTake $10 Off $25 on Apparel, Shoes, Accessories, Home & More + Extra 10% Off Furniture, Watches & More. Expires on 5/11/14.Terms and Conditions: $10 of select original, regular, sale & clearance-priced apparel, shoes, accessories, fine jewelry and home purchases of $25 or more. Extra 10% of select original, regular, sale & clearance-priced watches, furniture, mattresses & custom blinds and shades purchases. Each offer good in store only, excluding taxes and shipping charges, 5/8/14-5/11/14. Does not apply to Best Value, Levis, Disney Shop, Assets Red Hot Label by Spanx, Nike, Converse, Clarks, Athletic Shoes, Jewelry Trunk Shows, the Diamond Vault, TechnoMarine Watches, Sephora, Le Creuset, Sophie Conran, Royal Doulton, Celebrations, Food, Kitchen Electrics, Floor Care, Joseph Joseph, Hunter Douglas, In- Home Custom Decorating, Baby Gear, Services, Service Plans, Gift Cards, Furniture Outlet purchases, current orders and prior purchases, or in combination with other coupons. Can be combined with earned jcp rewards. Coupon cannot be used for payment on account. Coupon cannot be redeemed as cash or merchandise credit if merchandise is returned. $ of savings applied to all qualifying items on prorated basis; any refunds will be given in the prorated amount. No cash value.
print at http://www.jcpenney.com/
or pick up one in the store
Clothing Deals
g: -1 Posted By: frankfrankscherer
Views: 37 Replies: 0 Coupon: ZN3C6TXJ ($3 off)
Link: http://www.amazon.com/dp/B00F474DVG


My previous car charger ceased to function recently and I was looking for a new gadget for my old Ford F-150. I found a promotion on Amazon for PLEMO Cigarette Lighter Adapter / USB Car Charger. Its appearance is a lot more eye-catching than most alternatives. The product has 3 sockets to power car appliances and 2 USB ports to charge personal devices.

The original price was $13.99, already a good price given all its appealing features, and now with the coupon you can get it at $10.99. The product has a 4.2 customer rating out of 35 reviews.


Batteries & Chargers Deals

Amazon Coupons
g: 2 Posted By: remick
Views: 245 Replies: 1 http://www.amazon.com/dp/B007KO2F7U/

4.8 out of 5 stars (56 customer reviews)

You absolutely can reign in life and be the overcomer God intends you to be, taking charge of your personal world and changing the world around you. You don't have to allow sin, Satan, or the circumstances of life to weigh you down.
Beginning with your private world--your thoughts, body, actions, and ultimately your God-ordained destiny--you can take charge. Authority is yours for the taking.
Then, because God established and so honors the principle of authority, He will back you as you walk in the government He has delegated to you concerning your extended world--your home, family, business, and possessions.
Finally, God's plan is for you to partner with Him on the earth in broader realms of influence and authority--your universal world. Jesus, the sovereign King over the earth, wants to rule institutions, cultures, societies, and governments through you and your prayers.
Authority in Prayer will show you how to take hold of God's promises and pray with the authority He wants you to have. God needs you. Are you ready to use your God-given authority to further His kingdom?


Beginning at The End (Finding God When Your World Falls Apart)
http://www.amazon.com/gp/product/B00599RFCI

5.0 out of 5 stars (20 customer reviews)


His Masterpiece: Discovering the Greatness Within
http://www.amazon.com/gp/product/B00IKXW5LQ


Bible Character Daily Devotions For A 366-day Calendar
http://www.amazon.com/gp/product/B00DTAKLBQ


I Might Bend But God Won't Let Me Break! 21 Inspirational Devotions and Positive Attitude Quotes
http://www.amazon.com/gp/product/B00HX46JKQ/
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 30 Replies: 0 http://www.amazon.com/dp/B00BLQJIZA

4.8 out of 5 stars (6 customer reviews)

Report Writing Skills Training Course How to write a report and executive summary, and plan, design and present your report. An easy format for writing business reports. Lots of exercises and free downloadable workbook from www.uolearn.com. This book makes report writing a step by step process for you to follow every time you have a report to write. Margaret's understanding of how people read and remember gives a unique view of the process of report writing. This book brings you her tried and tested training techniques to make planning, writing and presenting a report straight forward. It's all about the reader. How to set objectives using 8 simple questions. Exercises to help you enhance your skills. Easy to follow flow chart giving a step by step method for writing the report. Fun to use planning tools. Free downloadable workbook available from http://www.uolearn.com. What is an executive summary and how to write one. Types of reports and how to structure them. How to layout the report. Help people remember what they read. About the author - Dr Margaret Greenhall As a chemistry lecturer Margaret helped her students learn study skills, including report writing. She then moved to the University of Manchester helping other lecturers to implement novel teaching and learning methods. As well as her PhD in science, Margaret has also been awarded a Masters in Education. In 2003 she started her own business, training people in a wide range of skills, including improve your memory, speed reading, mindmapping and report writing. Her background in science brings a logical and simple approach to her training and writing that gives very easy recipes for you to follow. What do people think of Report Writing Skill Training Course? Very useful, it has given me a great number of useful tips and information. This will help me to organize and structure my work in a logical way. I will now have a structure to use when preparing future reports and I will feel much more confident in doing this. I now understand how important preparation is when writing a report. The list of eight questions is fantastic, I will always use this for my reports from now on. Very informative and useful. These techniques can be applied in my work straight away. Extremely interesting and useful - vital preparation if you need to write reports for work.
Totally Free Deals
Cheapest Direct Deposit Options
Added on : Tuesday May 06th 2014 06:00:08 AM
g: 0 Posted By: jetsfan92588
Views: 117 Replies: 0 I was wondering what direct deposit options would be good for qualifying for bank bonuses. Many (most?) count a regular ach transfer as a DD for bonuses, but it may not be worth the risk given that one ineligble bank bonus could be worth $150, basically covering the cost of DD fees. So I was wondering whether anyone had any suggestions on cheap ways to DD to your bank account from a business, without having to bother the HR reps at your day job several times per year to update DD accounts.

I think this could also be a useful thread for small businesses who are actually looking to cheaply pay employees with DD without requiring all of the payroll services of an ADP or Paychex.

I generally pay myself through bill pay with my Wells Fargo Business Account, but in order to qualify for the bonuses, I was curious whether there were other options.
Service/Bank Monthly Fee Per check fee Other notes Wells Fargo Direct Pay $10/month $0.50/payment to non-WF personal account Must have a WF business checking account, service can be used to waive monthly fees Intuit Online Payroll $20/month $2/EE/month Free direct deposit, can change EE bank accounts unlimited # of times, 2 DDs/paycheck QuickBooks Basic Payroll $149.99/year Free for one EE, $2/additional EE/mot QuickBooks 2012 or higher is reqd.
Anyone else have any other suggestions? I see Citibank has ACH origination for business accounts, but the prices don't appear to be readily available. If it's within the same price range, that could be good as they have a signup bonus right now.
General Economics Deals
mansion sells for $147M in private sale, RE brokers furious
Added on : Monday May 05th 2014 05:00:13 AM
g: 2 Posted By: xerty
Views: 208 Replies: 0 After the deaths of the residents, the mansion was soldby the estate for a record $147M to a very successful, activist hedge fund manager.

http://nypost.com/2014/05/03/activist-investor-buys-east-hampton...

It was amusing to read about the brokers complaining they didn't get their traditional multimillion dollar cut of the deal because it was sold privately instead.
relatives immediately looked to sell the property and didnt use a broker, to avoid paying commissions.Top-notch brokers are furious that the deal was done in secret and not on the open market.The trustees of the estate, one would think, have a fiduciary responsibility to get the top dollar, which would have happened on an open market, one broker fumed.
I guess "top dollar" might also include not paying millions just for shopping the deal. Given the record sale price, I guess the sellers didn't do too badly without a broker.
General Economics Deals
g: 0 Posted By: ctgolfer
Views: 140 Replies: 0 Easily add 10 USB 3.0 SuperSpeed ports to your PC and enjoy data transfer rates of up to 5Gbps for faster sync times.
Additional charging port (2.1A) offers enough current to charge either a smartphone or a tablet at high speed. USB 3.0 ports supply 0.9A each.
Lightweight, "power-bar" design effectively saves space. Blue LED indicates normal operation.
Designed with a built-in surge protector to keep your devices safe. Supports hot swapping.
Plug and play; no driver required ON / OFF switch activate or deactivate individual ports.LED indicator lights show which USB ports are in use at any given time . Built-in USB cable. Color: Black. Supports: Windows XP/Vista/7/8& Mac systems. CE and FCC approved

www.amazon.com/dp/B00FDKAFAW/
idsonix Deals

Amazon Coupons
Charitable donations of cloths + household items in 3-4K range
Added on : Sunday May 04th 2014 09:00:03 AM
g: 0 Posted By: faltutp
Views: 76 Replies: 2 I will be itemizing my deductions this year for the 1st time. I always gave away cloths, household stuff including electronics (I like to buy new versions of TV, vacuum cleaners, computers etc. as soon as they come out and retire old ones). This year I will be giving away 2 years worth of 2 baby stuff including toys, cribs, car seats etc. I estimate (with GFE values based on TurboTax itsdeductible ) the charitable donations to easily be in ball park range of 3-4 thousand. Since in past I have just given it away I never cared to bother about the receipts. I usually drop my donations during multiple trips to Goodwill or Salvation Army (Right next to my grocery store)I just read through the IRS website Link http://www.irs.gov/publications/p526/ar02.html#en_US_2013_publink1000229839Under section Deductions Over $500 But Not Over $5,000. It is written I need to catalog my items with the following How I got the property , The approximate date i got the property , The cost or other basis, and any adjustments to the basis, of property held less than 12.I have seen people maintain an excel sheet for this information. I have also seen I need a written acknowledgment of your contribution from the qualified organization. Problems: This seems to be a lot of work for 1000+ items especially baby stuff. Also all the charitable donations company provide is a single receipt without any items listed on it .. it is blank signed and dated receipt.If I get this receipt and maintain excel sheet will that be sufficient. Do I need to take pics of each item with it as well? Never been audited and dont want to be. Also this seems to feel like a lot of work. Am I over reading into this process. How do others do it?

PS: I have searched the forum and found some pointers but not the exact suggestions on how other are doing this.
Discussion Deals
Recommendation request - Eviction service for San Jose / Bay area
Added on : Monday April 28th 2014 03:00:05 PM
g: 0 Posted By: broke25engineer
Views: 0 Replies: 0 Hello guy,

I'm a newbie landlord. After 4 years staying in my house, my renter starts to slip in the monthly rent. Given the long time that they have rented from us. We gave them a 1 months lease way. However, it seems like they are getting more and more behind, and it getting harder and harder to collect the late rent. We are planning to give them some more early warning, then start the eviction process.

Can you guy recommend an good eviction services in San Jose area please?

Thank you guys.
Invest in REIT as hedge for down payment savings?
Added on : Sunday April 27th 2014 03:00:06 PM
g: 0 Posted By: dblevitan
Views: 99 Replies: 2 My wife and I are looking to buy a house in 6 months to a year. We currently have about $60k saved up for a down payment, and should have over $100k by the end of the year (plan is to buy a house for about $500k; Seattle area). The money is currently sitting in Ally earning 0.85%. Putting it in stocks, even an index, is in our opinion too risky given the short time frame and the fact that RE is not tied to equities. On the other hand, housing here is in high demand, and prices can easily go up by much more than we earn at Ally over the year.

So what about putting the down payment (or some portion of it) into an REIT that focuses on the Pacific NW, or at least west coast, as a hedge against rising housing prices? Ideally, the REIT correlates well to the local housing market, hence our down payment remains the same as a fraction of house prices. On the other hand, the only semi-local REIT I've found is ESS, which is one that owns apartment complexes on the west coast, from San Diego to Seattle. I'm not sure how well apartment complex values correlate with single family homes.

Any thoughts?

Question Deals
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
Staples - 25% back in Rewards thru 5/3 with coupon
Added on : Saturday April 26th 2014 07:00:06 PM
g: 0 Posted By: billrubin
Views: 291 Replies: 2 There's a new coupon up at Staples.com for 25% in Rewards. They already had free Crayola markers and a 20% off your office supplies coupon, so it's an even better deal with the free Rewards. There's also a coupon to make the half cases $2 after rebate instead of $5, so that will be a money maker with the 25% Rewards (not to mention a $10/50 coupon).

Link to normal weekly thread

The Fine Print:
Valid in StaplesU.S. stores only. No limits per day or per member. Offer valid only for original recipient of this email as sent by Staples, and coupon must be presented at time of purchase. Not valid on prior purchases. Promotion is in lieu of standard Staples Rewards. Maximum of one rewards promotion will be given for each item purchased. Price eligible for rewards is the amount paid at checkout after application of all promotions, coupons and rewards redemptions and does not include tax. Not valid on desktop or laptop computers, tablets, netbooks, Appleproducts, Boseproducts, Amazon Kindle, Epsonink and toner, HP ink and toner, custom printing orders placed online, gift cards, mobile phones and mobile phone services, StaplesEasyTech(sm) professional-grade and on-site services, depot repair and parts, phone cards or postage stamps. Must be a member of Staples Rewards. Staples Rewards membership is FREE. Staples Rewards are issued online monthly when the value of the reward is at least $10. Rewards expire no less than 60 days after issuance. Monthly balances of less than $10 will roll over each month until the minimum is met for that calendar quarter. If the $10 minimum for the quarter has not been met, the balance will expire at the end of the quarter. Limit one Staples Rewards account per person or at any mailing address. For full program details, visit StaplesRewards.com.
Office & School Supplies Deals

Staples Coupons
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
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
Free - MailWasher Pro for iOS and Android
Added on : Saturday April 19th 2014 09:00:03 AM
g: 0 Posted By: remick
Views: 158 Replies: 0 http://www.windowsdeal.com/w/mailwasher-pro-discount-coupon/

Receiving spam is like those telemarketers who call at dinner time, completely annoying and you didnt ask for it. Luckily you can stop this now! Now with free Android, iPhone and iPad version!

Install MailWasher today to screen all your email accounts in one place and allow only the email you want in your inbox.

MailWasher lets you preview all your email before it gets to your computer or mobile device, enabling you to read all your email securely, and instantly delete any unwanted or suspicious email. Your remaining good email is downloaded to your PC or mobile device, saving you from receiving any spam or email viruses.

When you use MailWasher, the benefits become obvious.

Zero spam in your computer or mobile device.
Inspect any email before it gets to your computer or mobile device.
Never lose an email because you cant afford to.
Intelligent spam tools ensure spam is caught and good email is not
With over 8 million users, 18 languages and features on both BBC World and CNN you can be confident that using MailWasher is one of the easiest ways to get rid of spam.

Check your email with MailWasher first. Youll be safer with the knowledge of whats waiting for you on the server, allowing you to quickly inspect and read your email and remove any unwanted messages quickly and easily.

MailWasher lets you view the email safely in plain text, but you can also inspect who its really from, who owns the company who sent it (WHOIS report) and all the hidden links.

Given that you cant afford to lose any legitimate email, MailWasher lets you have the final say on it before letting you Wash the spam away.

Advanced spam detection technology and tools do all the hard work for you by automatically marking spam emails.

From simple friends list, blacklists and learning filters to advanced custom filters, MailWasher has you covered.
Apps Deals
Free Kindle Book- How to Cure Bad Breath - a Step by Step Guide
Added on : Saturday April 19th 2014 05:00:03 AM
g: 0 Posted By: remick
Views: 17 Replies: 0 http://www.amazon.com/gp/product/B006NMTMO4

4.2 out of 5 stars (17 customer reviews)

Bad breath - whether chronic or temporary - cannot be effectively treated with "generic" bad breath products, such as mouthwashes, home-made rinses or herbal remedies. Most oral rinses available today - even 2nd or 3rd generation mouthwashes (otherwise known as oxidisers) - are in fact broad-spectrum antibiotics, that is, they do not Target specific strains of bacteria and their effects typically last less than an hour. The same goes for home-made remedies, including hydrogen peroxide rinses, baking soda, tea tree oil, or any other natural or herbal "bad breath remedy".

Because bad breath is often just a symptom of other conditions, infections or diseases that you may or may not be aware of (not necessarily serious), treating bad breath "directly" means you are only addressing a symptom, not the root causes of the problem. Furthermore, the causes of halitosis will be different for each bad breath sufferer, making each particular case unique, with different factors involved, and hence different strains of bacteria (or fungi) involved.

Bacterial imbalances are present for a reason. Determining the root causes of your bad breath, and hence indentifying your particular type of bad breath, is what will enable you to use specific methods, tools, treatments and remedies that will Target the actual root causes of your bad breath problem.

"How to Cure Bad Breath - Step by Step Guide" is written by former chronic halitosis sufferer MD Jou Torras, who suffered from bad breath for over twelve years. The author will take you, step by step, through the process of identification of all the root causes (often multiple) of your bad breath problem, and provide you with the methods, tools and specific remedies or treatments that will Target your particular type of bad breath.

This is an in-depth, practical self-instructional guide that contains all the information and advice you need to effectively cure your bad breath:

Proven strategies, techniques and little-known at-home treatments and remedies that will help you freshen your breath from day 1, whether your bad breath is chronic or temporary
Find out what type of bad breath you suffer from and the most likely factors that are contributing to your problem
Learn the only reliable methods to test for bad breath at any given time and find out the exact areas where those malodours are originating from
Discover the specific remedies you can use at home that will Target your particular type of bad breath. Not "broad-spectrum" solutions but remedies that will work for you
Get access to the most up-to-date research, plus the invaluable experiences and advice of a former chronic bad breath sufferer who has now been bad breath free for over a year
Do popular bad breath products work at all? If so, for how long? Shocking research that proves what works, what doesn't and why
Learn all the tricks you need to use to eliminate bad breath caused by: wisdom tooth infections, tonsil stones, URIs, sinus problems, post nasal drip, runny nose, allergies, gum disease, acid reflux, indigestion, diet... and many more!
Find out the precise prevention methods you can use at home to keep halitosis at bay once you have already cured it

Easy to follow instructions that will show you the exact steps you need to take to get rid of your bad breath once and for all.

Ultimately, dealing with the underlying causes of your halitosis is the only approach that has the potential to cure it permanently. You can continue covering up those nasty odours, or you can take action now to finally address your problem.
Help with budget
Added on : Friday April 18th 2014 10:00:08 AM
g: 0 Posted By: elektroshok
Views: 213 Replies: 2 Hello -

Once again, new to the forums but am already getting great info from perusing.

I'll be starting residency in July (one year somewhere then 5 somewhere else) and really want to start off right with the budgeting and saving.

Student loans as follows:
160k unsub at 6.8
17k sub at 6.8
13k private at 7.9

I plan, during residency, to do income based repayment which puts my monthly loan payments (on the govt loans) at 350/mo going up to about 440/mo at the end of residency.

My plan for the first year is as follows:
3188/mo post tax
Per month:
-100 utilities
-700 rent
-460 roth
-500 (for jul-nov to get $2500 tax deduction on loans)
-500 for private loan

This will leave me (on average since I'm paying the 2500 in the first five months) ~$1200/mo for spending/saving/other.

Trying to be realistic and still be able to have fun, I think all in all I could probably spend 5-700 per month on food/fun. I had planned to just save the rest in a savings or no fee mutual fund or something.

For the next 4 years I'll be in a different city with higher rent (since I think I have been convinced to rent instead of buy by everyone here).
This program will have 403b starting right away, after 1 year they match 1:1 up to 6% and after four years there I would be vested 60% of their contributions.
Also, those four years there will be increased income beyond what I have budgeted below from moonlighting but it wont be consistent so I did not include it in the budget yet

My plan here is as follows (My income will go up around 3k per year for these four years - this is just the first year for this example):
3526/mo post tax
Per month:
-1000 rent
-100 utilities
-500 loans (IBR payment and difference directly to principal)
-460 roth
-465 401k (10%)
-~150 (in lieu of SS tax)

This leaves me with about 800 or so a month for spending/saving. My plan was to use what I could to finish paying of the private loan until that is gone.

As far as any extra money from moonlighting - my initial plan was to just dump all this into principal of the loan. Does that seem like a good idea?
I know there is the 10 year public loan forgiveness thing, for which I'm going to do the paperwork every year for but my plan is to not work at a public institution after I'm finished which is why I'm going to try to pay a little more each month to principal beyond the IBR payments I need to make.

Any thoughts/changes/comments are much appreciated as I really want to start off on the right foot and not be even more behind than I am now with regards to savings and retirement.

Thanks



Personal Finance Deals
g: 0 Posted By: remick
Views: 34 Replies: 0 http://www.amazon.com/gp/product/B00HLAZOOE

I have been a fishing guide for a long time and have learned a lot throughout the years as a guide. When you are out fishing on a relaxing trip the stakes are not high and catching trout is just a bonus, however this isnt the case for a fishing guide. In order to pay bills you have to catch trout. This demanding task has given me a lot of unconventional ways of catching trout that most people wouldnt have thought of. You can now learn all my best tactics and techniques to catch trout.
I have spent 30 years fishing over 100 days per year to gain the knowledge to create this book. I am certain you will find some useful information that will help you catch more trout than you could ever imagine.
MSI AMD Radeon R9 270 2GB PCIe 3.0 Video Card for $179 @ Microcenter
Added on : Thursday April 17th 2014 04:00:03 PM
g: 0 Posted By: Logan71
Views: 110 Replies: 0 Granted, it's hard to peg a 'deal' given the mining fiasco, but this seems at least somewhat of a deal for those that have a Microcenter nearby or are willing to order online. Comes with 3yr warrantly.

Good luck!

http://www.microcenter.com/product/425815/AMD_Radeon_R9_270_2048MB_PCIe_30_x16_Video_Card
Video Cards Deals
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
g: 0 Posted By: tuphat
Views: 189 Replies: 2 "Rowan Williams, the former Archbishop of Canterbury, has challenged the assumption that borrowers always have a moral responsibility to pay back their loans.

Debt repayment is not a "moral absolute", he said, because banks and lenders have themselves failed to accept the moral responsibility for their lending.

Dr Williams said the global financial system has repeatedly ignored and sidelined in every possible way the principles on which much of the Western world's moral code is based."

http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/...

FWIW, I think the padre is walking a very very fine line ...
General Economics Deals
g: 0 Posted By: remick
Views: 93 Replies: 0 http://www.amazon.com/Database-Driven-Website-using-MySql-ebook/...

Connecting a database to a webpage leads to interactive participation and not as static information being displayed. MySQL database can store records in tables which can be accessed (both updated and retrieved) through webpage forms.

This book will be useful for anyone who wants to understand how to connect a MySQL database to a web page. It is also intended for someone, who has ever wondered, How a webpage displays the result of a candidate given her unique_id as input? As in every remote school, colleges results are published on their respective notice boards, the same can be done in their website and viewed by all. Also one can prepare feedback forms that can be filled up online. Such data can be either used to update a table or make any query. The possibilities are many.
Books Deals

Amazon Coupons
Social Security Number on check sent with tax return
Added on : Monday April 14th 2014 06:00:07 PM
g: 0 Posted By: bighitter
Views: 195 Replies: 4 I owe tax with my state return. The instructions say to write the social security number on my check. Given all the recent reports of identity theft, should I comply? My concern is possible identity theft at the bank processing center. What do other FWer's do?

Edited to add this online article:

"Who has the right to request your SSN? Federal law mandates that state Departments of Motor Vehicles, tax authorities, welfare offices, and other governmental agencies request your SS number as proof that you are who you claim to be. However, the Privacy Act of 1974 requires that government agencies at the local, state, and federal level disclose to each person whether submitting your Social Security number is required, details on the use of this information, and what law or authority requires its use.Please note that this Act stipulates that no one can deny you a government service or benefit for failing to provide your SSN unless federal law specifically requires it.You aren't legally required to provide your SSN to businesses unless one of the following is true: You'll be engaging in a transaction that requires notification to the Internal Revenue Service; or You're initiating a financial transaction subject to federal Customer Identification Program rules... "

.Article here
Tax Deals
g: -1 Posted By: BigBoyMichigan
Views: 109 Replies: 0 Bring in nonperishable food items and household goods this spring -- March 24th thru April 26, 2014 -- and help feed hungry children, seniors, and families in the community. Stop by the Circulation Desk at any Livonia, MI library branch and ask for a collection bag (attached will be a list of suggested donations). Return this bag filled with your donated items and help your neighbors in need. In return, if you owe a fine, we'll forgive your fine up to $5.00*

*1 time fine forgiveness per card during the donation period.

http://livonia.lib.mi.us/fft



Services Deals
Free Roboform Everywhere For 1 Year For New And Current Users
Added on : Saturday April 12th 2014 07:00:06 PM
g: 0 Posted By: nicemann
Views: 0 Replies: 0 I understand some people do not like RoboForm, this is deal is not for you then. For diehard fans like me this is a great deal. Sharewareonsale is currently offering RoboForm for free for 1 year. Current users will lose any current time you have and your one year will restart from today.

Two different ways, if you do have RoboForm installed right now on your computer you can go to Sharewareonsale Roboform Promoand do the actual promotion with them. You can also just go to RoboForm Download Pageand download directly from RoboForm. This saves you from having to get spammed by sharewareonsale. Then just follow the information below.

No Need To Go Sign Up Via SharewareOnSale Save yourself the Spam emails....If you currently have the software installed you can just use the order id number. It is the same for everyone. Just follow the directions below:

HOW TO DOWNLOAD AND REGISTER THIS OFFER

Before we provide you with directions on how to get this freebie, take note RoboForm Everywhere can be re-installed after this offer is over. However, you must download, install, and activate your RoboForm Everywhere license before this offer is over you can re-install at a later date, if you wish. Also, after you activate your license within this giveaway time-frame, you can freely install RoboForm Everywhere on all your devices (desktops, laptops, smartphones, tablets, etc.).

That said, the download link for RoboForm Everywhere is given to you above. Download RoboForm Everywhere and install it; be sure to select Everywhere option during install. After it has been installed, do the following:

Right-click the RoboForm icon from your system tray or top bar and go to Help -> Activate RoboForm
Once there, follow on-screen instructions; when asked for Order ID, input XUY-2Z4-UT7-JBK
Complete the remaining steps by following on-screen instructions to get a fully functional and registered RoboForm Everywhere
At the last screen, where it tells you that you have successfully activated RoboForm, you will be given a username and order number. Keep that username and order number safe that is what you will need to use if you ever want to re-activate/re-install RoboForm Everywhere during your license period.

Software Deals
g: 0 Posted By: DizzyT71
Views: 189 Replies: 0 Amazon has theBrother Printer DCP7065DN Monochrome Laser Multi-Function Copieron sale for $179.99 with free shipping.

Original Price: $179.99

Print and copy up to 27ppm
A built-in Ethernet network interface allows for sharing with multiple users on your network or connect locally to a single computer via its USB interface.
Automatic duplex for producing two-sided output
Stand-alone copying - No PC required
35-page capacity auto document feeder,Scan To Feature: Email, Image, OCR, File

4.3/5 Stars based on 448 customer reviews on product page.

**Credit given to Vegas Vegan!
All in one printers Deals

Amazon Coupons
ExOfficio Men's GiveNGo Boxer Brief (Black) ($15.72) @ Amazon
Added on : Thursday April 10th 2014 11:00:13 AM
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
Activation vis a vis Heartbleed
Added on : Thursday April 10th 2014 04:00:08 AM
g: 0 Posted By: shinobi1
Views: 86 Replies: 1 I had already posted on activation, in general, earlier this year:

Link to old thread

Tried to add this there, but that thread now seems to be closed.

So given:

1. Nobody wants to suffer the hassle of fraudulent CC charges, even though there is unlikely to be monetary loss.
2. Many of us have a sock drawer filled with dormant credit cards.
3. Heartbleed has now been revealed.
4. Changing passwords can be inconvenient.

I'm liking the option of activation avoidance for dormant credit cards (see earlier thread).

Upon logging into account received a message from my daily user, Priceline (Barclays), suggesting I change my password. I didn't want to, but I felt it would nevertheless be prudent to follow their recommendation. I changed my Priceline password.

Next thought went to the overflowing sock drawer. Way too much hassle to change all those passwords. Just gonna let the problem atrophy through multiple failures to activate.



Credit Deals
g: 3 Posted By: billrubin
Views: 270 Replies: 2 I got a mailing today with a $10 rebate on the 2 pound container of Osmocote Plus Outdoor & Indoor Plant Food. Home Depot has it for $9.98, so it's free other than sales tax, and given that Discover has 5% back at Home Depot this quarter, that takes care of most of the sales tax. I could not find this exact product online at Lowes.

Home Depot has it for $9.98 for in-store pickup:

http://www.homedepot.com/p/Scotts-Smart-Release-2-lb-Indoor-and-...

WalMart has it for $10.46 with in-store pickup:

http://www.walmart.com/ip/Osmocote-Plus-Outdoor-and-Indoor-Smart...

To find it online, search on "scotts 274250" (Osmocote 274240 probably also works). I didn't see anyone with free shipping. If anyone finds a Shoprunner store that has it, please post.

Go here to generate the rebate form. It's limited to 20,000 requests.

http://www.plantersplace.com/rebate?utm_source=BenchmarkEmail&ut...
Garden Deals

Home Depot Coupons
Nationwide Paid Military Study - $160
Added on : Wednesday April 09th 2014 01:00:07 PM
g: 0 Posted By: badsister
Views: 12 Replies: 0 Hoping this can help someone out!

I've done studies with Elliott Benson before - they are reputable and pay very quickly.

If interested, respond ASAP, as their studies fill up quickly.

Best of luck - and thank you for your service!
---------------------------------
Elliott Benson Research is currently conducting a PAID study for those affiliated with the military.

The study is taking place April 21-24 and is paying $160 for your participation.
If you, or anyone you know is interested, please click the link below to take a brief survey. If you qualify, you will be contacted by an Elliott Benson representative.

Please no calls on this project at the time, we will contact you!

Keep in mind that at no time will anyone try to sell you anything. Instead, our clients want to pay you for your opinions! All information given will be kept strictly confidential.
For more information on our company, please visitwww.elliottbenson.com/
Link to screening survey to see if you qualify: https://www.surveymonkey.com/s/ProjectEMPIRE
Discussion Deals
Nationwide Paid Military Study - $160
Added on : Wednesday April 09th 2014 01:00:05 PM
g: 0 Posted By: badsister
Views: 0 Replies: 0 Hoping this can help someone out!

I've done studies with Elliott Benson before - they are reputable and pay very quickly.

If interested, respond ASAP, as their studies fill up quickly.

Best of luck - and thank you for your service!
---------------------------------
Elliott Benson Research is currently conducting a PAID study for those affiliated with the military.

The study is taking place April 21-24 and is paying $160 for your participation.
If you, or anyone you know is interested, please click the link below to take a brief survey. If you qualify, you will be contacted by an Elliott Benson representative.

Please no calls on this project at the time, we will contact you!

Keep in mind that at no time will anyone try to sell you anything. Instead, our clients want to pay you for your opinions! All information given will be kept strictly confidential.
For more information on our company, please visitwww.elliottbenson.com/
Link to screening survey to see if you qualify: https://www.surveymonkey.com/s/ProjectEMPIRE
New Arrivals: Antik Batik - Minaudiere Opium Ivory Shoulder Bag
Added on : Wednesday April 09th 2014 09:00:04 AM
Minaudiere Opium Ivory Shoulder Bag crafted in antiqued tin metal with filigree etching detail in boho chic style. Featuring natural stones, push lock closure, velvet lined interior and woven chord in cotton and ball chain with tassels. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
New Arrivals: Antik Batik - Buffalo Rust Pouch
Added on : Wednesday April 09th 2014 09:00:04 AM
Buffalo Rust Pouch is crafted in sleek leather with embroidery and beaded tribal motif in an envelope clutch style. Featuring zip fastening with beaded and leather tassel pull detail and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
New Arrivals: Antik Batik - Buffalo Black Wallet Clutch
Added on : Wednesday April 09th 2014 09:00:04 AM
Buffalo Black Wallet Clutch is crafted in sleek leather with embroidery and beaded tribal motif in a large envelope clutch style. Featuring flap top, zip fastening with beaded and leather tassel pull detail and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
Promotion - should I make any requests?
Added on : Tuesday April 08th 2014 03:00:05 PM
g: 0 Posted By: snnistle
Views: 120 Replies: 0 I need some sage advice from any of you who have experience with this. I started with this company 2.5 years ago. I was promoted after 6 months and given a nice raise. 6 months later the owner gave me another above-average raise. Last week I was taken out to lunch by the owners of the company, and they offered me the position my supervisor currently holds. I would become an executive in the company, and the position will come with a 32%-35% raise in my salary.

My question is, are there any requests i should make before accepting the promotion? The salary is pretty much on point with the average salary for this position in the market where I live. I'm not sure what else to request, if anything, I just want to know if I'm overlooking anything that should be put in writing to protect my long-term interests. Thanks for any suggestions.
Personal Finance Deals
Does anybody know what would make me ineligable for efile in CA?
Added on : Tuesday April 08th 2014 08:00:07 AM
g: 0 Posted By: cheezedawg
Views: 123 Replies: 6 I efiled my returns last night. Feds accepted it almost immediately, but CA rejected it. The only message they gave was "Problem: We are unable to process your state return electronically." No other details given- they just say I need to mail in a paper return.

Trying to avoid this. I've efiled for so many years I forgot how much of a pain it is to get all of the papers together to mail.


Tax Deals
Target: Up & Up Diapers - buy 2 packs and receive a $10 gift card
Added on : Tuesday April 08th 2014 04:00:04 AM
g: 0 Posted By: ablang
Views: 205 Replies: 0 The diapers (at least for size 4) are already cheap at 16 cents each w/o this promo. It says you have to spend $50+ to get free shipping but I wonder if the Target cc buypasses that.

http://www.target.com

--

Receive a $10 gift card when you buy 2 Pampers Super Packs, Huggies Super Packs or Up&Up Bulk Packs.Quantities limited. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 04/12/2014 at 11:59pm PST.


Baby Deals

Target Coupons
New Arrivals: Antik Batik - Elise Black Wallet Clutch
Added on : Monday April 07th 2014 09:00:05 AM
Elise Black Wallet Clutch is crafted in a velvety black suede backdrop with an all over natural embroidered motif in an envelope style that can be worn as a shoulder bag. Featuring flap magnetic fastening, shoulder strap and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
New Arrivals: Antik Batik - Elise Black Small Pouch
Added on : Monday April 07th 2014 09:00:05 AM
Elise Black Small Pouch is crafted on a velvety suede backdrop with an all over natural embroidered motif in an envelope clutch style. Featuring flap magnetic fastening, zip fastening on the inside and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
New Arrivals: Antik Batik - Badra Cream Wallet Clutch
Added on : Monday April 07th 2014 09:00:05 AM
Badra Cream Wallet Clutch is crafted in velvety suede with an all over embroidered motif in an envelope style that can be worn as a shoulder bag. Featuring flap magnetic fastening, shoulder strap, pom pom tassels and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
New Arrivals: Antik Batik - Badra Small Black Pouch
Added on : Monday April 07th 2014 09:00:05 AM
Badra Small Black Pouch is crafted in velvety suede with an all over embroidered motif in an envelope clutch style. Featuring flap magnetic fastening, zip fastening on the inside and internal pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
Questions: Gift taxes and Form 709
Added on : Saturday April 05th 2014 07:00:09 PM
g: 0 Posted By: Moesbie
Views: 54 Replies: 0 A husband and wife gift a house that they own to their son and daughter. This is in Washington state. How would the parents' 709s look? Would they make two entries (each) under Part 1 of Schedule A (below the "Gifts made by spouse" Line)? Instructions seem to ask for the legal description, but if half is given to the son and half to the daughter, how does that work? The parents bought the house for 275K 3 years ago. How do I find the FMV for the house from 8 months ago?
ulta.com $10 bareMinerals Try. Believe. Love. Kit
Added on : Saturday April 05th 2014 07:00:06 AM
g: 0 Posted By: DaysFan
Views: 207 Replies: 0 http://www.ulta.com/$3.50 off
PLEASE NOTE : (1) ONLY ONE PROMOTION CODE CAN BE ENTERED FOR A GIVEN ORDER PLACED ON Ulta.COM AND (2) SUPPLIES OF ALL FREE GIFT OFFERS ARE LIMITED. THERE ARE NO SUBSTITUTES.**Valid in-store and online. Enter coupon 202778 in the space provided in your shopping basket and click "apply code". Coupon offer valid through 4/5/14 on all regular price, sale and clearance merchandise. Excludes salon and Benefit Brow Bar services, fragrance, prestige brands of cosmetics and skincare, and some prestige brands of haircare and nail. For a complete list of these excluded brands, go to ulta.com/coupons or look for signs in our stores. Cannot be redeemed for cash or gift cards. This offer cannot be combined with any other Ulta coupon offer. Not valid on prior purchases. Limit one per customer. Void if copied or transferred and where prohibited by law.
http://image.email.ulta.com/lib/fe7115707761047d7512/m/8/040514_2.jpg
BareMineralsbareMinerals Try. Believe. Love. KitFairly LightItem #: 2227630$20.00$10.00On sale for $10. Discount applied in cart!bareMinerals award-winning mineral foundation gives you all the flawless coverage you want with a no-makeup look and feel that lasts up to eight hours. The creamy minerals diminish the appearance of imperfections without drying out skin. Groundbreaking formula is clinically proven to promote clearer, healthier-looking skin.

Collection includes:

Original SPF 15 Foundation (size: small)
Matte SPF 15 Foundation (size: small)
Mineral Veil Finishing Powder in Original (size: small)
SPF 20 Concealer in Bisque (size: petite)
Mini Full Flawless Face Brush
Mini Concealer Brush or Light Stroke Brush

Health & Beauty Deals
g: 0 Posted By: remick
Views: 124 Replies: 0 http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

Too many trivia and pub quizzing books in the market are focused on memorization of dry facts & obscure trivia. This book is different.It features trivia quizzes where you can work out each answer. And, if by chance you are unable to work out a particular trivia question, you will be left with a "Shucks! I should have guessed that feeling" once you see the answer.

Here is what some of the reviewers on Amazon had to say:

- The book is fun for two reasons. Firstly: it will provoke much discussion and guessing if you pull this out and play as a group or even a couple, let's say, on a long car trip, plane flight, a rainy night in a camping tent, or whenever it seems time is dragging. And secondly, answering these kinds of questions could help you guess the answer to high school or college test questions.
- Goes without saying from the number of stars I've given, the content is simply superb!
- This was an enjoyable and entertaining trivia book to read. The topics in the book make you think and they brought back a lot of memories. This would be a fun book to have with a group of friends and have one person read a question and have the group try to come up with the correct answer.
- What I really enjoyed about InQUIZitive is that questions are typically paragraph-length and give some background for the answer. I knew (or guessed) the correct answers for many questions, but even for the ones I couldn't answer, I learned some interesting tidbits.
- I am a fan of trivia and a history buff, so I enjoyed this book to the max. It gave me information about things I have never thought about in relation to trivia.

And here are three sample questions:

Q1. According to the website of the Colchester tourist board during the English Civil War a large cannon was placed strategically on the wall of the castle. A shot from the parliamentary army managed to destroy the wall under the cannon and caused it to tumble to the ground. The Cavaliers (who were loyal to the King) tried to raise the cannon but could not do so as it was too heavy. What was the name of the cannon & how has it been immortalized?
Q2. Canonization is a process by which the Christian church declares a deceased person to be a saint. Now, during the canonization process of the Roman Catholic Church, a lawyer was appointed to argue against the canonization of the person. It was this persons job to take a skeptical view of the candidate's character, to look for holes in the evidence, to argue that any miracles attributed to the candidate were fraudulent, and so on. What was the popular name given to such a lawyer?
Q3. According In her book Fairy Tale Ending, Ursula Sautter offers this hypothesis: After the defeat of the Danes at the Battle of Bornhoved, their lands became available for colonization by the Germans. The German rulers sent out glib recruitment officers offering rich rewards to those who were willing to move to the new lands. Thousands of young adults from Lower Saxony headed west leaving their parents behind. What incident is she trying to explain?

Answers:
1. Humpty Dumpty. It is widely believed this story of the Colchester Cannon is the origin of the nursery rhyme Humpty Dumpty
2. Devil's Advocate. Therefore, today a person who advocates an opposing or unpopular cause for the sake of argument or to expose it to a thorough examination is called a "Devil's Advocate"
3. Pied Piper of Hamelin, luring away the children of the town of Hamelin

This book features multiple such questions that will leave you wanting more.You can rest assured that this book features trivia that is fun, entertaining & enlightening.


http://www.amazon.com/Trivia-Quiz-Pub-Book-InQUIZitive-ebook/dp/...

http://www.amazon.com/dp/B00G0NN7QA
Totally Free Deals
Do I Need Collision Insurance? To Cover Business Rental Cars?
Added on : Thursday April 03rd 2014 05:00:07 PM
g: 0 Posted By: robronson
Views: 86 Replies: 0 My collision insurance is $140/year for a $1k deductible on a $6k car. That seems excessive. I have the liquidity to drop $6k on a new car in the time it takes to write a check. I've kept it because I travel for work 4 days a week and am in rental cars. My personal car insurance said my collision covers the rental car as long as it's under 30 days of a rental and I'm not actually using the car for business. Simply driving from the hotel to the client site isn't considered a business trip, per the phone CSR, and my personal car insurance covers me.

What I can't afford is crashing a 2014 rental car and writing them a check for $20k. I understand Visa/Mastercard offers a CDW which was really confusing to me but after reading wikipedia, makes more sense. CDW = Collision Damage Waiver meaning the rental car company waives the right to charge you for damages. It's NOT insurance. It's simply the rental car company "waiving" the right to sue you for damages. What I gather this to mean from Visa/MC is that by waiving the rental company's CDW (yes, you're waiving their waiver... >.< ) then Visa/MC will pay for any damages that might occur that the waived waiver might have covered, given additional restrictions on Visa/MCs part like possibly not covering hail damage.

I don't feel the need for $140 Collision damage on my personal car given I rarely drive it, I drive safe, and I can easily write a check for $6k to buy a new car immediately if necessary. To play the odds, I feel I'm significantly less likely than a 3% chance of totaling my car in the next year (which is $160 divided by the $5k they'd pay out after the $1k deductible). I'd rather bank the $140 because on a risk-adjused basis, it's free money to cancel the policy. It would be like a $10/hand blackjack table where you started each hand with one Ace. If you can afford to lose $10 then the odds are much in your favor to gamble as often as possible.

The downside is that I don't quite know if Visa/MC is enough to cover me, given I am driving $20k+ rental cars for approximately 250 days a year. I know AMEX offers $25/rental insurance but my clients won't pay for that and I'm not paying over $1k out of pocket to AMEX for the 50 rental cars I take out during the year.

I feel dirty paying for something that I really only need for business (the $140 annual personal collision insurance) but not being able to deduct it from my business income. It's the exact opposite feeling of using my business-deductible iPhone for personal calls (which feels amazing because it's 50% off given SE, State and Federal tax). Maybe I should find a business specific policy to cover me while in rental cars and deduct that off my income?

Or maybe my personal collision policy will be cheaper than any business policy, even if I can't deduct it as an expense, because the actuaries set the cost based on the $6k value of my car and not on the $20k+ rental cars I'm actually driving 80% of the time. In that case, maybe the actuaries are significantly underestimating their risk and it's "free money" for me (in spite of not being able to deduct it, ugh).

On a side note I have $300k/$300k liability personal insurance because that's not something to cheap out on. And I definitely can't cut a check for $300k.
Question Deals
Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
New Arrivals: Antik Batik - Badra Black Small Embroidered Suede Pouch
Added on : Thursday April 03rd 2014 09:00:19 AM
Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
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
A member of my family is facing a lawsuit of $35,000 by her landlord.
Added on : Wednesday April 02nd 2014 01:00:07 PM
g: 1 Posted By: noelandres
Views: 189 Replies: 10 My grandmother apparently has a lease signed with a landlord in the United States since 2005. My grandmother lives in the Dominican Republic, and only goes back to the United States and Puerto Rico to visit her sons and daughters for 1-2 months. The reason she signed that lease was to help her niece. Apparently the niece would have not been able to get the place without my grandmothers help. The lease if for a commercial space. The niece has a hair salon in that place.

The niece stopped paying the rent in October 2013. The niece has been having personal and financial problems due to her son being arrested for theft. This event is probably what has caused all this. Apparently, she stopped working on the salon, and she subleased the salon to another person, not sure on when exactly this took place. Probably the person who subleased the salon didnt pay her, or didnt pay the landlord. I dont know if the landlord was aware of this sublease or not.

In December 2013, the niece was served the lawsuit, but didnt mention anything about it to my grandmother. My family found out yesterday (almost 4 months after the lawsuit was served), because a sister of my grandmother went to the nieces place to stay a couple of months, and saw the letter with my grandmothers name. The letter was in English, and she couldnt understand what it said. But she was clever enough to take photocopies of it, and sent it to my mother. I translated the document to my mom, and she gave the bad news to my grandmother.

The landlords lawyers are asking for back rent, late fees, legal fees, security, water & sewer and real estate taxes, totaling about $35,000. The funny thing is that the late fees are greater than the back rent. They are also asking for a warrant to remove the respondents from the premises. These are the details:

Back Rent: $10,120
Late Fees: $14,400
Legal Fees: $1,500
Security: $430
Water & Sewer: $6,400
Real Estate Taxes: 3,600
TOTAL: $36,450

My grandmother doesnt have that amount of money. She owns a house in the Dominican Republic, in which she lives, and she receives a Social Security check of $400/month. Her bank account barely has $1,000. Im amazed that she was able to secure that contract, given her income and assets. I guess this was way back in 2005, when creditors barely checked applications. Im not a lawyer, but I understand that you are considered served only when the letter is given to you in person. The person who delivered the lawsuit served an employee of the salon, who I assume gave it to my grandmothers niece. I am guessing that legally my grandmother is not at fault for not attending court when she had to, since she was unaware of this situation. She can prove that she has been in the Dominican Republic all this time. But my grandmother is a responsible person, and she is making plans to go personally to attend to this issue. I would have to go to, since she doesnt speak English.

I would like to know how to best help my grandmother. What are her best options. Is her house in the Dominican Republic at risk of being taken by the landlord? Is her social security check at risk? Are the landlords lawyers being reasonable with their request? Might there be an arrest warrant on my grandmothers name at this point? This is some serious stuff that just fell on my familys lap. So what are our best options?

tl;dr My grandmother signed the commercial lease of her niece back in 2005. For some reason, the lease is still on my grandmothers name. The niece stopped paying rent in October 2013. The landlord is suing my grandmother for back rent, late fees, security, water & sewage, real estate taxes, and legal fees in the amount of $36,450. My grandmother doesnt have the money, just a house in the Dominican Republic, which she owns free and clear, about $1,000 in her bank account, and an income of $400/month of Social Security. She wants to travel from the Dominican Republic to the United States to solve this issue, and I will be meeting her to help her. I need advice from my friends at FWF.
Real Estate Deals
g: 0 Posted By: ensignlee
Views: 298 Replies: 12 Hey y'all,Here's the situation. A few months back, I left my job in Dpt A in my company to join Dpt B, both because Dpt B was willing to pay me more and because it was something I wanted to do.

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

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

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

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

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

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

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

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

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

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

Thanks for the advice master FW negotiators!

~~~
P.S. Given the choice, I'd rather contract rather than take the full time position, as I don't think this company is particularly well run from top management. Also, taking contract allows me to be in a better position in case the company decides to just string me along and pay me my higher requested salary until they can find someone to fill my shoes. That's why I mentioned it first (along with the fact that my proposal to $112k salary from $80k then seems cheap in comparison).
Discussion Deals
Mortgage - Circular Private Lending from Oneself
Added on : Tuesday April 01st 2014 08:00:07 PM
g: -1 Posted By: Rowgue
Views: 71 Replies: 0 After reading through many dutch sandwich schemes, I was thinking ways to maximize mortgage interest deduction to reduce the taxable income.

Not sure, if this is possible, but if it is, I would ask the people here of their views, pros and cons on this. If this arrangement is possible do people already do this, if not why have they not done this?

The arrangement is like this:
1.Have some or lot of equity in your primary residence
2. Borrow your own money from a creatively structured way at a high interest say 7.5% or 10%
3.The new lender files the lien with the county on your property
4.Pay or say you pay interest/principle or what ever per contract monthly (a private transaction)
5.Claim more more mortgage interest deduction, points etc when itemizing reducing taxable income

For Step 2: You can do one of the following
-Set up and fund a company that does private loans and you will be the 1st customer
-Make your trusted relative (with less income) as the lender who collects the PI - I really mean trusted relative like mom or dad
-OR any other creative way you can suggest- please do suggest

-On the company route-as its a relatively small company the expenses and cost of doing business might negate the profits from the interest collection in a given year which might reduce/negate taxes
-On the relative route-the lender who has low income might not get taxed at all (for the interest income) or might get taxed at a lower rate. Even if they get taxed at a lower rate fix your interest rate such that the net tax savings from your taxes and the lenders taxes are in positive territory.

Did I make it clear to understand?

Is this technically possible? Leave alone ethics etc...

Thoughts?

Discussion Deals
401K Pre/After Tax Rollover Snafu
Added on : Monday March 31st 2014 07:00:07 AM
g: 1 Posted By: gamer83
Views: 46 Replies: 0 I recently started a new job with a new employer. I wanted to roll over my 401K balance to my new employer from my old employer. After calling my new employers 401K line, I was given instructions on how to request a distribution check from my old employer's 401K plan. I had $XXX,XXX.00 in pre tax monies, and $XXX.00 in post tax monies in my old account. I was sent a combined check for the entire amount, and a statement showing the breakdown of the amounts. I then mailed this check into my new company's 401K department. This past Friday I received the check back, with a letter stating my new plan cannot accept after tax monies as rollovers(even though I have a Roth and Traditional 401K account with the new employer). After calling the old employer they say that they cannot unwind the transaction so I must find an institution that does accept after tax monies to avoid the 60 day IRS fine.

So I have two questions:
1. What is the best bank/firm to roll over this amount into? I'm guessing it'll have to go into an IRA.
2. I really don't want an IRA, since my company 401K plan is quite good and 401Ks have better liability protection. I'm thinking of just initiating an immediate second rollover from the new IRA to my new company 401K account for only the pre tax monies. Are there any fees/pitfalls I should be looking to avoid?


Thanks for your time in advance.
Investing Deals
g: 9 Posted By: remick
Views: 1590 Replies: 1 http://www.amazon.com/Helping-Creative-Change-Their-World-ebook/...

4.7 out of 5 stars (15 customer reviews)

If creativity is so important to the life of a child, why is it often pushed aside or given our leftover energy and time?

Why should you encourage your child to figure out their skill set and find ways for them to use those abilities on a regular basis?

Can your child really make a difference in the world around them?

These questions and more are discussed from the perspective of a mother of six kids (ranging in age from 9-16).

This book is written to encourage & equip parents to help their child discover their unique, creative gifts, and to help them overcome the obstacles that hinder growth in their specific areas.

Contents

Introduction

Part One: A Case for Creative Change
1 - We need creativity!
2 - Can kids really change the world?
3 Inspiring Creativity: Our personal experience

Part Two: Obstacles & Solutions
4 - Too busy / Make time for it
5 - Too much entertainment / Control it
6 - Too lazy / Expect it
7 - Lack of freedom / Accept it
8 - Lack of praise / Promote it
9 - Lack of resources / Invest in it
10- Finding your child's creative bent

Bonus: 100 Ways Your Child Can Begin Using Their Creative Skills RIGHT NOW
Books & Magazines Deals
g: 0 Posted By: robronson
Views: 32 Replies: 1 I've never tried this and am afraid to ask because it may be a forgiveness is easier than permission thing. I want to pay for customer/client business expenses, such as airfare, hotel, food, etc, using gift cards, and submit the reimbursement as normal. Is that allowed? Is it legal? Does it depend on the client? Tips/tricks to get it to work?

I've heard of coworkers at a previous company I worked for who traveled a lot and someone tried to redeem reward points for the hotel and then bill the customer. That didn't work and the company actually made an official policy that said you can use your reward points to pay for hotel/airfare but you can't submit a reimbursement, so if you want to do it to help the customer then feel free but there's nothing in it for you.

I'm not looking to do that because that's clearly a problem. But what if I buy Marriott gift cards from Lowes, using Chase Freedom for 5% off during Q2, and then use the Marriott Gift Cards to pay for my hotel, and request reimbursement. Instead of the usual 2% Cash Back I get from the Marriott purchases, I get 5% back because I got to use my Freedom card. The downside is the invoice/receipt will likely list it as a gift card payment.

In another idea, I had an airliner offer me a $100 voucher for a problem on a flight. It's technically a "gift card". I thought about applying that to my next ticket, which I book directly, and then submitting the reimbursement for the full amount. $100 in my pocket. This seems more grey/borderline than the previous idea.

There's ways to convert points of some programs into gift cards. Marriott is one where at least in the past you could convert 100k points into something like $1k worth of Marriott gift cards. Then in theory use the gift cards to pay for rooms, submit reimbursement to customer.

Anyone doing anything like this? Tried and failed? Best way to maximize the opportunity?

Free Kindle Book- Helping Your Kids Be Creative and Change Their World
Added on : Saturday March 29th 2014 04:00:09 AM
g: 1 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/Helping-Creative-Change-Their-World-ebook/...

4.7 out of 5 stars (15 customer reviews)

If creativity is so important to the life of a child, why is it often pushed aside or given our leftover energy and time?

Why should you encourage your child to figure out their skill set and find ways for them to use those abilities on a regular basis?

Can your child really make a difference in the world around them?

These questions and more are discussed from the perspective of a mother of six kids (ranging in age from 9-16).

This book is written to encourage & equip parents to help their child discover their unique, creative gifts, and to help them overcome the obstacles that hinder growth in their specific areas.

Contents

Introduction

Part One: A Case for Creative Change
1 - We need creativity!
2 - Can kids really change the world?
3 Inspiring Creativity: Our personal experience

Part Two: Obstacles & Solutions
4 - Too busy / Make time for it
5 - Too much entertainment / Control it
6 - Too lazy / Expect it
7 - Lack of freedom / Accept it
8 - Lack of praise / Promote it
9 - Lack of resources / Invest in it
10- Finding your child's creative bent

Bonus: 100 Ways Your Child Can Begin Using Their Creative Skills RIGHT NOW
Books & Magazines Deals
Bonton.com $50 OFF $100 PURCHASE OFFER DETAILS:
Added on : Friday March 28th 2014 12:00:03 AM
g: 0 Posted By: DaysFan
Views: 240 Replies: 0 http://www.bonton.com code: ZFIFTY2014R$50 OFF $100 PURCHASE OFFER DETAILS:
Offer valid on select styles Thursday, March 27 through 11:59PM CST Saturday, March 29, 2014.$50 off a regular and sale price purchase of $100 or more.How to receive your discount online:

After adding items to your shopping bag, proceed to the Checkout.
Enter this code ZFIFTY2014R in the Promotion Code box.
Click "Checkout" to proceed with Billing & Shipping.


Your discount will be reflected on valid items immediately after you click "Apply" in the Shopping Bag. See below for exclusions. Offer valid on select styles Thursday, March 27 through 11:59PM CST Saturday, March 29, 2014. Promo code is valid in-store or online.Excludes Bonus Buys, Door Busters, Incredible Values, Yellow Dot/Black Dot merchandise, fragrance & cosmetics, Clearance Center merchandise, Tech/electronics, candy, coffee & food, fine jewelry, fine and fashion watches, furniture departments and mattresses, cause-related merchandise and other charitable items, gift cards, salon products, service departments, special orders, health & wellness items, small electrics, toys, designer handbags & shoes from select brands, including all Brahmin, Coach, Cole Haan, Columbia, Donald Pliner, Frye, Johnston & Murphy, Michael Michael Kors, Sorel and regular price ASICS, Birkenstock, Dansko, Dolce Vita, Dooney & Bourke, Ivanka Trump, Lucky Brand, merrell, New Balance, Polo, Reebok, Salomon, Sam Edelman, Sperry Top-Sider and Vince Camuto.Excludes merchandise from BCBGeneration, Coach accessories & footwear, Columbia, Fossil, Free People, Karen Kane, Levi's, Michael Kors/MICHAEL Michael Kors ladies' apparel/accessories, Nautica sportswear/sleepwear, NYDJ, Ray-Ban, Silver Jeans Co., Steve Madden footwear, Swarovski crystal, T Tahari sportswear, Tempur-Pedic, Wacoal, Waterford crystal and regular price merchandise from Dooney & Bourke accessories and handbags, Lauren Ralph Lauren ladies' apparel/accessories, Lucky Brand, Polo, Swarovski jewelry and Tommy Bahama.Offer valid only for the owner of the email address to which this offer was sent and is non-transferable. Limit one per customer. One-time use only. Cannot be used in conjunction with any other coupon or "use card" discount offer, including YOUR REWARDS Rewards Cards. Coupon will not be available in stores. Must be presented and surrendered at time of purchase. Bon-Ton Stores, Inc. and its affiliates are not responsible for and will not replace lost or stolen coupons. Valid in-store or online. Cannot be redeemed for cash; no change will be given. Cannot be applied to previous purchases or used towards a purchase of a gift card or as payment on a Bon-Ton Stores, Inc. credit card account. Sales tax, gift wrap, shipping and handling are not included in total minimum purchase requirement calculation. If you return a portion of your purchase, a portion of the discount will be lost. Online offer details may vary; see website.
Clothing Deals

Bon-Ton Stores Coupons
YNAB budgetting software is Now Free for College Students
Added on : Wednesday March 26th 2014 06:00:12 AM
g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.youneedabudget.com/blog/2014/ynab-is-now-free-for-col...

Were fighting free with free. I was given a free t-shirt when I signed up for my first Visa credit card while in college (charged a mattress on it, forgot about the payment, paid it off, and cut it up in disgustthe card, not the mattress).

More kids are graduating from college absolutely weighed down by student debt. I dont know what portion of their debt is avoidable, but Im confident that if those students were following YNABs Four Rules, they would graduate with less debt.

Starting today, if youre a college student (even only part-time), well let you use YNAB for free while youre in school.

How to Obtain Your Free Copy of YNAB

Write to us at support@youneedabudget.com and include proof of registration at your college.

Well send you a special license key, good until the end of the calendar year.

At the end of the year, just shoot us another email if youre still cranking away on your schoolwork, and well send you a new license key thats good for the entire next year
Limited Eligibility Deals
Removing PMI - Wells Fargo is Evil :(
Added on : Monday March 24th 2014 04:00:06 PM
g: 0 Posted By: SaguratuS2
Views: 119 Replies: 2 Hey everyone,
I've run into my second major issue dealing with Wells Fargo on my mortgage (the first time, they 'lost' $10k worth of principal payments, which took nearly half a year to fix). I went to remove my PMI from my loan, and WF said I still had $20k to go. My loan-to-value is just below 80% at 151k, with the original appraisal being 189,000. I refinanced back in early 2012, and I discovered that they put the refi amount as the appraisal ($164,000). I've been fighting them for months on this issue, and I've gotten absolutely nowhere.

They said I could order another appraisal, but they won't consider it unless I've done something to the house to increase its value. Right now, I'd estimate it would appraise around $214,000 given the market, but I haven't made any notable improvements.

Am I SOL, or is there anything I can do?
Personal Finance Deals
Check was stolen out of the mail, altered, deposited.
Added on : Friday March 21st 2014 03:00:04 PM
g: 0 Posted By: burgerwars
Views: 24 Replies: 0 Short, long story: I mailed a check payment for $25 Tuesday morning. I check my checking account online at 5:00 am Thursday and discover the check cleared that night for $825. The check was washed with a new payee and amount. The altered parts are totally not how I write. Somehow stolen from the mail. I call the bank immediately. They take a report, close my account and issue me a new account number.

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

I learned a few lessons. I'll mail checks in the post office and use ink that will be harder to wash.
Personal Finance Deals
OfficeMax 20% off coupon 03/23/2014-03/29/2014 (exclusions apply)
Added on : Thursday March 20th 2014 09:00:04 PM
g: 1 Posted By: bpvh
Views: 77 Replies: 0 OfficeMax 20% off coupon 03/23/2014-03/29/2014 (exclusions apply)


20% off almost everything** (insert derisive comment) including:
--- ink & toner (terms exclude Epson and HP ink and toner but that is usually just for show unless your cashier enforces it)
--- case & ream paper
--- software
--- office supplies
--- technical & business services
--- mobile accessories
--- calendars & planners
--- and more!


In-store coupon: LINK
Online coupon code: SAVE20


Terms per online ad:

Valid March 23, 2014 thru March 29, 2014. **Valid 3/23/14 thru 3/29/14. Valid in store and online at OfficeMax.com. Discount applies to regular-, sale-, promotional- and clearance-priced items before taxes. Limit 1 coupon/promo code per customer. Discount does not apply to purchases of Epson and HP ink and toner, U.S. postage stamps, TVs, printers, computers, tablets, eReaders, monitors, Epson projectors and scanners, shredders, typewriters, cash registers, hard drives, data storage, keyboards and mice, networking products, video games, fi le cabinets, ready-to-assemble furniture, chairs, furniture accessories, gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, MaxAssurance Service and Protection plans, furniture assembly, OfficeMax Essentials kits and FedEx shipping services. Discount includes the following select OfficeMax print services: shredding, printing, copying, oversized printing, binding, laminating and finishing. Discount applies to in-stock items only. Special orders are not eligible for the discount. Coupon is limited to one-time use only and must be surrendered at the time of purchase. Void if copied, sold, purchased, transferred, taxed or where prohibited. Not valid with any other coupon offer, associate discount, OfficeMax Customer Perks and/or Retail Connect pricing. No price adjustments from prior purchases will be made. Not valid for credit card payments. No rain checks will be given for the 20% discount unless required by law. No cash or credit back. Cash value .001. 2014 OMX, Inc. ***For online purchases, the offer is not valid on OfficeMax.com specialty shops, affiliated third-party websites or Business Services purchases. Discount excludes shipping and handling fees (if applicable to the order). See OfficeMax.com for full details.
Office & School Supplies Deals

OfficeMax Coupons
g: 0 Posted By: manmohanrawat
Views: 67 Replies: 2 Story so far;
Wife got into a fender bender at wholefoods , exchanged insurance information , contacted OP's insurance the same day was given claim # and was told to get an estimate from the adjuster. that was last year Nov 2013
After 45 days was told they are not able to get in touch with the client ,and I got 2 more letters from OP's insurance company asking for me time and then in Feb this year I call them and then I am told they are not able to get in touch with the client and hence will be denying the claim
I just have liability only cause of an older car , Gieco now is saying that I am on my ownI went thru this archived thread and have come up with one option (Car Accident: Other Party At Fault - Denies Responsibility After the Fact To Insurance)SUE that person in small claims court

wife has pictures of the accident and insurance cards
my wife tried to get her to record a conversation but that person could not speak or hear

I was told by OP's insurance company that even if I did get that in writing they would absolutely have to talk to that person and it would have not mattered even if there is a police report.

Any ideas or suggestion.. apart from the option i mentioned above Sue in small claims











Personal Finance Deals
staples: $6.99 Staples Wired Mouse (F/S for rewards members)
Added on : Tuesday March 18th 2014 03:00:03 PM
g: 1 Posted By: VivYip
Views: 247 Replies: 3 Staples has this mouse for $6.99 (free shipping for rewards members)

(creidt blueribb for the updated slightly lower price of $6.99)

Staples Wired Mouse
Item: 959065 Model: 23415

Staples Wired Mouse works great at home or in the office!

USB connection wire allows working distance up to 4.91 feet
Contoured design with rubberized, soft comfort grip
Vertical scroll wheel

I have never seen this item before, but the price seems comprable to other generics.(?) If I saw this earlier, I might've given this item more consideration, but would've probably still chosen the microsoft mouse at $9.99 because of the novelty of the Staples branded mouse and my previous experience of another generic house brand mouse that eventually caused me to spend an additional $10 for a reliable mouse.

Pricewise, I would say this might be okay
Reputation: I would not know, since there are no reviews and seems very new
Looks: okay (i don't know who they're trying to copy)
Why might I buy it: If I was desperate,but had less than $10 total, and needed it ASAP and couldn't wait for Newegg to deliver...I might give it a chance because of availability and convenience.

In any case, hope this info might help someone. Thank you for reading.
Keyboard & Mouse Deals

Staples Coupons
Selling vintage jewelry - Ebay or something else?
Added on : Sunday March 16th 2014 11:00:10 AM
g: 0 Posted By: FYGMO
Views: 138 Replies: 1 I have a vintage silver tiffany scorpion necklace that would likely sell on eBay for $3k conservatively if properly listed. I've done a forum search and the old topics basically conclude that eBay and consignment are the best two options. I live in the southwest and doubt that consignment would be a better option given the lack of a market locally. I have an eBay account that has a decent amount of feedback (all positive) but am not a fan of paying hundreds in fees if there is a better option.

Ideas? I plan to get the jewelry cleaned (it's not antique, this should be a positive thing) and provide links to back story and comps in the listing to help it get the right price. Anything else that should be done.
Personal Finance Deals
Selling antique jewelry - Ebay or something else?
Added on : Sunday March 16th 2014 10:00:11 AM
g: 0 Posted By: FYGMO
Views: 31 Replies: 0 I have a vintage silver tiffany scorpion necklace that would likely sell on eBay for $3k conservatively if properly listed. I've done a forum search and the old topics basically conclude that eBay and consignment are the best two options. I live in the southwest and doubt that consignment would be a better option given the lack of a market locally. I have an eBay account that has a decent amount of feedback (all positive) but am not a fan of paying hundreds in fees if there is a better option.

Ideas? I plan to get the jewelry cleaned (it's not antique, this should be a positive thing) and provide links to back story and comps in the listing to help it get the right price. Anything else that should be done.
Personal Finance Deals
Financial Checkup - Full Disclosure
Added on : Sunday March 16th 2014 08:00:14 AM
g: 0 Posted By: barsotti0
Views: 174 Replies: 2 I'm looking for some constructive criticism or feedback regarding my current savings/retirement state. I've been on FW for years, and continue to improve our situation but can always use another point of view.

32 years old, married (spouse is 29) with 3 month old baby
HHI = $110k
Spouse stays at home
Live in California East Bay

Assets:
Home value - $425k (purchased in 2012)
2008 Nissan Altima - $11k
2012 GMC Yukon - $33k
401k - $85k
401k - $5k (spouse)
Savings - $85k
TOTAL - $644k

Liabilities:
Mortgage - $238k at 2.75% (7/1 variable)
HELOC - $0k balance ($100K CL at 5.25%)
Car Loan - $24K loan at 1.99%
401K loan - $21k at 3.25% (used to purchase condo in 2012)
TOTAL - $283K

NET WORTH - $361k

Monthly Cash Flow:
Net income - $4,975 after 401k/benefits/taxes/fsa
10% into401k - $820 a month, with 5.5% additional employer match
Bonus net income - $700 a month after 401k/taxes
50% into 401k - $583 a month, with 5.5% additional employer match
TOTAL - $5,675

Monthly Expenses:
Mortgage - $985.9
HOA - $240
RE Taxes - $267
Ins - $54
Car Loan - $375
401k Loan - $176
Life Ins - $85
Auto Ins - $140
Utilities - $134
Cable/internet - $140
Cell phones - $130
Grocery - $600
Gas - $350
Eat out (work) - $150
Eat out - $250
Dog - $40
Hair cut/dry cleaning - $45
TOTAL $4,162

My general question, given current net worth and monthly cash flow, are we currently putting sufficient money towards retirement. Also, we are debating the purchase of a new home (would sell current condo that is a 2/2) to accommodate another kid. Price range is somewhere around $600k.

Thanks in advance
Personal Finance Deals
Savings/Retirement checkup
Added on : Friday March 14th 2014 07:00:10 AM
g: 0 Posted By: gr99gt
Views: 115 Replies: 0 I'm looking for some constructive criticism or feedback regarding my current savings/retirement state. I've been on FW for years, but did create a new ID for this post. My apologies, but my existing username makes it pretty easy to identify me once I post the info in this thread.

Details:
31 years old, married with 2 kids.
HHI = $155k
Mortgage of ~270k at 3.625% (30 year fixed) with home value about $375k.
Wife has student loans totaling about $30k. $10k at 1.625%, and 20k at3.5%. Both fixed.
I own my car outright, hers is a lease ~500/month.
No other debts.

Current state:
My 401k = ~120k
Roth IRA recently started = ~3k. Contributing$200/month.
529's for kids = $10k. Contributing $200/month
Cash savings = $15k

I put 10% into 401k, plus get additional 4% from employer match.
I amalso vested in apension plan at my work.
Wife is a teacher, so will get pension from state.

I guess my general question, given current balances combined with pensions,how does 10+4% into 401k and 200/month into the Roth look? We're currently putting the rest of our extra monthly income (about $1k/month) into a savings account to go towards an addition on our home. Debating if we shoulddirect more or less money into the additionfund in the near term.

Personal Finance Deals
g: 0 Posted By: BigBoyMichigan
Views: 212 Replies: 0 ​http://www.tirerack.com/specialoffers/details.jsp?promoID=M437&cid=R4405514&Michelin Get a $70 Prepaid MasterCardWhen you purchase any set of four (4) MICHELIN brand passenger or light truck tires you may be eligible to receive a $70 Tire Rack Prepaid MasterCard by mail. Offer valid on tires purchased from Tire Racks in-stock inventory between 12:00 a.m. EDT March 9, 2014 and 11:59 p.m. EDT March 22, 2014.Offer valid only in the 50 United States and the District of Columbia (includes APO/FPO addresses) while supplies last. The offer does not apply to Canadian residents.See all eligible MICHELIN brand tires.Tire Rack will mail a redemption form (also availablehere) and a copy of your invoice to your billing address within 1-2 weeks. You will need to complete this form and submit it, along with your invoice (website order placed page and order/shipment confirmation emails not accepted). An invoice will also be shipped with your order.If you do not receive your redemption form by mail within two weeks of shipment, please download a copy of the formhere, or contact Tire Rack's customer service department by calling 888-981-3953.Prepaid card is issued by MetaBank, Member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. The card is given to you as a reward, refund, rebate or gift and no money has been paid by you in exchange for the card. Card issued in the name submitted on rebate form; is not transferable; card cannot be issued to minors. Card does not have cash access; can be used wherever Debit MasterCard is accepted. Valid for up to 6 months, unused funds forfeit at midnight EST the last day of the month of the valid thru date, subject to applicable law. Country restrictions apply and are subject to change. Card terms, conditions, and limitations apply; seeMyPrepaidCenter.com/site/mastercard-promofor details.Read allTerms & Conditions.
Auto Parts Deals

Tire Rack Coupons
Effort/Risk to Reward Analysis of 2014 FWF Techniques (such as MS)
Added on : Thursday March 13th 2014 05:00:15 AM
g: -1 Posted By: robronson
Views: 76 Replies: 3 I'm big on calculating effort-reward ratios to determine if something is worth my time. I also factor risk in there. It seems like most of the things being done in 2014 on FWF have substantial risk with lots of effort involved to receive the reward.

When it comes to risk mitigation, one needs to consider both the magnitude of the bad thing happening and the likelihood. Just because something is rare, like a hurricane or an earthquake, doesn't mean one should ignore insuring against it because the devastation is so high that if it occurs, you're really screwed. Apply that to MS techniques.

What if the FBI decides you might be involved in money laundering or terrorism because you suddenly start transferring tens of thousands of dollars through gift cards for MS? Now you're on the no-fly list and can never get on an airplane ever again. There's no appeal process for that. Maybe the FBI shows up at your job to interview you and it costs you a promotion or even causes you to be fired depending on how aggressive they are. Sure, the chances of this happening are small, but so is an earthquake, and you insure against that.

Then there's the effort of driving to different places to buy the gift cards and load them. And the risk of losing one of them. If you lose one of your $500 reloadable cards then you've wiped out several months of profits. And given the hundreds of cards you're carrying around, the chances of losing one of them is reasonable.

Reward checking accounts don't seem to be worth it anymore. I had one that was 2% that got dropped down to 1%. It's so close to what Alliant CU is paying in the regular checking account that it's not worth fulfilling the requirements for 1%. But I still have the CHEX ding for applying for this account plus the hassle of paperwork and logging in regularly to check for fraud. I thought I might get a new rewards checking and found one that offered a 3% rate in the FWF sticky thread. Then I realized with a $10k cap, I'm making $300 per year. But I could be making $100/year keeping it in a 1-year CD or $70/year at Alliant. So really, the marginal gain is only around $200 per year, which is maybe $120 after taxes. So I'd have to jump through hoops and make sure I use the stupid debit card 12 times per month for $10/month in profit. Subtract out the reward bonus I am losing by virtue of not using my credit card on those 12 transactions and maybe I'm gaining $5 to $8 in profit for a lot of effort. Not worth it to me.

It seems like the biggest value is in credit card signup bonuses because those can be $500 or so in value with minimal effort. The risk being that your accounts may get shut down if they think you're churning. Since Chase is the biggest one currently doing signups, and because I value maintaining my relationship with Chase for actual legitimate (non-churning reasons), I avoid doing signup bonuses with them.

Further, there is risk in doing signup bonuses because your other banks may decide to cancel your credit cards if you have too many new inquiries. That risk varies depending on your credit score and what CCs you currently have. That said, it would be terrible if one of my good credit cards like my grandfathered fee-free 5% PenFed Cash Gas card got cancelled because I had too many new inquiries and PenFed got squeamish. That would cost me a lot of money in the long run for a short-term gain of some bonus points on new card apps. Personally, I find the maximum risk-value with credit card signups to be 2 to 3 per year because that's a "reasonable" amount that won't likely get my accounts at other places closed and I'm still getting decent free stuff.

Everyone's personal value of their time, risk tolerance, and personal situation will be different so you need to decide for yourself what's worth doing and what isn't.
Discussion Deals
AGFA Lens Filters - 3 Filters with Case - $10 to $15 shipped at Amazon
Added on : Wednesday March 12th 2014 02:00:08 PM
g: 0 Posted By: msgodec
Views: 336 Replies: 1 I was looking for a UV filter for my new Sigma lens and I found this three pack of AGFA filters at Amazon -

AGFA Filters

You get a UV filter, a circular polarizer filter, a warming intensifier filter and a case for between about $10 and $15 depending on the size. I'm most interested in the UV filter to protect the lens, and though it doesn't appear to be multicoated, I thought I would give it a trygiven the price (about 75% off list) and the good reviews.

Be sure to check the sellers at the right and use Modern Home Products for a slightly better price and free shipping.
Cameras Deals

Amazon Coupons
AGFA Lens Filters - 3 Filters with Case - $10 to $15 at Amazon shipped
Added on : Wednesday March 12th 2014 01:00:03 PM
g: 0 Posted By: msgodec
Views: 122 Replies: 0 I was looking for a UV filter for my new Sigma lens and I found this three pack of AGFA filters at Amazon -

AGFA Lenses

You get a UV filter, a circular polarizer filter, a warming intensifier filter and a case for between about $10 and $15 depending on the size. I'm most interested in the UV filter to protect the lens, and though it doesn't appear to be multicoated, I thought I would give it a trygiven the price (about 75% off list) and the good reviews.

Be sure to check the sellers at the right and use Modern Home Products for a slightly better price and free shipping.
Cameras Deals

Amazon Coupons
Madza5 new verses used 2013. WWYD?
Added on : Wednesday March 12th 2014 10:00:14 AM
g: 0 Posted By: doublePie
Views: 0 Replies: 0 Normally I'm just a lurker, but would appreciate another set of eyes on this and have seen similar posts here before without anyone getting too offended so here's a try.

Im currently looking into buying a lightly used Mazda5 in the next five months. My husband and I have a two year-old and are expecting our second this fall. The high mileage 2000 Corolla I currently drive has been good to us but it is time for an upgrade. We also have a dog, go on short road trips frequently, live in a ruralish area (lots of driving to everything), and can afford it.

Our credit union is offering 2.9% financing on anything wed consider. Mazda only offers 0.9% financing on 2014 models. FICO is 800 +/- 20. Down payment could be as much as $9K but Id like to do less (like $4K) given current interest rates. Budget is up to $300/month for 48 months in addition to reoccurring costs of full coverage insurance, local annual personal property tax, and decreased gas efficiency. Id like to pay cash but at total interest of well under $1000 even at the very worse, it is worth it to me to buy it now instead of toting around two adults, a toddler, a newborn, and a dog in an old Corolla.

That leaves me with a Target purchase price of $18,000. If we do our shopping in DC, we can reasonably expect to pay just under $16,000 for a 2011-2013 with 30,000 miles and a clear CarFax from a dealership.

The wrench here is that we went to check it out at the local dealership. They had a new 2012 that they would sell for about $18,000. I test drove it Saturday evening and it was sold before my husband called on Monday morning to drive it himself. They asked if wed consider a 2013, but the numbers were just getting too far out of range. They asked what wed consider it at, I said $18K, they countered at $18,800. That is, admittedly, a very nice price on that car. KBB says that the average price paid is $19,867 (base model with automatic transmission). But we can pick up a used one under $16,000. The new one would come with a 36 month warranty. It's a four hour trip to DC for a used one and would blow a weekend, but my parents live in the area so we wouldn't have to make it in one day and they could see the grandbaby.

Is there anything Im missing? Anything else I should be considering? I'm really leaning towards used but the local dealership getting the new 2013 to under $19K has given me something to seriously consider.
Free Ebooks 3-11-14
Added on : Tuesday March 11th 2014 09:00:08 AM
g: 0 Posted By: jhall1822
Views: 1 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

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

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

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

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

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

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

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

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

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

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

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

Learn how to make a professional website or blog on your own domain in less than a couple of hours, and learn how to do it all using the Internets most popular Content Management System: WordPress.
No coding knowledge is required to use WordPressif you can use Microsoft Word, you can make a professional website with WordPress (WordPress is software that is completely free).
It is all taught in step-by-step lessons in this book (with links to supporting video lessons for extra clarity - the video lessons show you the entire completion of mikeomarwebsites.com from beginning to end).
With the lessons taught in my book, you will be able to create any type of website that you want with any kind of look that you want, from personal blogs to professional business websites to e-commerce websites.
Also, included as a bonus chapter, an introduction to how to build passive income websites using WordPress, and how making money online actuallyworks!
Here are the topics covered in my book:
TECHNICAL / SETTING UP:
The SMARTEST and CHEAPEST way to buy a domain.
The SMARTEST and CHEAPEST way to buy a hosting package.
Linking your domain to your hosting account and installing WordPress.
BASICS:
An introduction to WordPress and best Search Engine Optimization (SEO) settings for your website.
How to add pages for regular websites.
How to add posts for blogs.
How to add pictures and links.
How to set up a sidebar using widgets.
How to change the look of your website with different themes.
How to add a contact form, plugins, and social media buttons.
ADVANCED:
How to install Google Analytics for tracking.
How to add buy now PayPal buttons.
How to add an interactive Google Maps map to your website.
How to set up a mailing list / newsletter (and best practices for doing so).
How to protect your website from hackers, malware, and other viruses.
Resources for e-commerce websites, doing keyword research, doing link building and SEO, affiliate marketing, membership websites, outsourcing, video recording, and more!
AN INTRODUCTION TO MAKING MONEY ONLINE:
What are some of the most common methods for making money online?
What is the simplest way to make passive income online?
If I want to make money online, where do I start?
The Structure of a $1,000 per Month Passive Income Website.
401k plan failed discrimination tests - what to expect?
Added on : Monday March 10th 2014 11:00:10 AM
g: 0 Posted By: theeipi
Views: 38 Replies: 0 Hi,

My 401k plan recently failed the discrimination tests. As a HCE I was given a refund of my excess contributions of $500.XX. I was also refunded my return on the excess contributions of $12X.XX.

I understand the tests, and how things were calculated, and I can only assume the $500 refund was done correctly. What documentation could I expect or am I entitled to for the profit on the excess contributions. It seems 25% is a bit high. If the $500 was refunded from last money in, I would be looking at only 2-3 months of appreciation. If it was dollar cost averaged across the year, I would have needed about 40% returns to justify that amount. If it was calculated from my initial contribution in January of 2013, I still don't think I averaged 25% for the year.

Thoughts on what I could ask/demand from the 401k administers?

TIA
Investing Deals
Walmart B&M 50% Off ALL CLEARANCE!! YMMV
Added on : Saturday March 08th 2014 06:00:08 PM
g: 0 Posted By: messycolorful
Views: 338 Replies: 0 Was at WalMart today in Arizona and apparently they got a call from their home office and ALL CLEARANCE was 50% off. I've never heard of this happening before. They must have been given very short notice, the cashiers had to use manual calculators to take the extra 50% off, it was crazy. This deal is good through Sunday night. Not sure if your WalMart will be participating, but definitely worth a trek out to check. Some amazing deals.
Home & Garden Deals

Walmart Coupons
g: 0 Posted By: unkinected
Views: 19 Replies: 0 So I've hit the income limit for contributing to a Roth IRA. I have a Vanguard Roth with about 16k in it (S&P index fund). I've been happily and automatically sending money to it each month, which I now need to stop.

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

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

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

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

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

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

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

Would love to hear the forum's thoughts! Thanks!!!
Personal Finance Deals
Rite Aid 3/23 - 3/29
Added on : Friday March 07th 2014 03:00:16 AM
g: 0 Posted By: MrVietnam
Views: 164 Replies: 0 The Almay requirement is $15, get $5 UP, Limit 2.There has to be a deal there given the $2 and $3 VV and the new $5/2 IP on coupons.com.


There should be cheap Dove Men+Care depending on the amount of the coupon in the paper that week.


Free/MM Clear Shampoo/Conditioner if your store takes multiple VVs.. Limit 2

Buy 3 - $15
Use 3 - $2 MQ (will come out 3/23 based on ad)
Use 3 - $2 VV

Subtotal - $3.
Get back $5 +UPs for a $2 MM.


Gerber is 2/$3 w/$3 UP when you buy 2, Limit 2


NM Vitamelts: $5.99 - $2 MFQ (tearpad found at Acme) - $4 UP = Free
(There are different varieties of the Vitamelts, Sleep and Vitamin D kind will match up with this months VV. There is one for $2 off any Naturemade sleep supplement and $1 off any Naturemade Vitamin D. That along with a $2 off any MFQ will make these a MM. Looks like a limit of 1)
In Store Promos Deals
g: 0 Posted By: fatgempler
Views: 272 Replies: 0 Not the best pricing ever seen on a Dell XPS 8700 with an i7, but the best pricing available on one today...

Dell XPS 8700 i7-4770, 8gb, 1TB, GT 635, DVD+/-RW, WiFi, Win 8.1 $739 AC FS
This link brings you to a system priced at $799 andafter you add it to you cart you can enter the $60 off coupon code "7CGSBDFTF3TNBR" making it just $739.99,
http://www.dell.com/us/p/xps-8700/pd?oc=fdcwgp1312&model_id=xps-...

Alternatively, for $783.99 you can get the same system with the memory bumped up to 12gb and the video card bumped up to a GTX 645 video card, You can join the Dell Advantage program (free) and go here for and grab the $930.99 configuration and subtract $150 using your Dell Advantage coupon code given to you for signing up...
http://www.dell.com/us/eep/p/desktops#!all-in-one-desktops&cid=d...
If you arealready a Dell Advantage member then start this deal by first logging into you Dell Advantage account, clip the coupon, and then shop for PC or click the link about (after you are signed in).
If you are not a Dell Advantage member then join for free by visiting http://dell.com/advantage

>>> HEY FW, before you tell me this is a dupe, please note that this link, configuration, and final price are completely different than the other XPS 8700 that does not exist at the price the person posted with the configuration they posted. Thank you.

Desktop Computer Deals

Dell Consumer Coupons
g: 0 Posted By: fatgempler
Views: 77 Replies: 0 Not the best pricing ever seen on a Dell XPS 8700 with an i7, but the best pricing available on one today...

Dell XPS 8700 i7-4770, 8gb, 1TB, GT 635, DVD+/-RW, WiFi, Win 8.1 $739 AC FS
This link brings you to a system priced at $799 andafter you add it to you cart you can enter the $60 off coupon code "7CGSBDFTF3TNBR" making it just $739.99,
http://www.dell.com/us/p/xps-8700/pd?oc=fdcwgp1312&model_id=xps-...

Alternatively, for $783.99 you can get the same system with the memory bumped up to 12gb and the video card bumped up to a GTX 645 video card, You can join the Dell Advantage program (free) and go here for and grab the $930.99 configuration and subtract $150 using your Dell Advantage coupon code given to you for signing up...
http://www.dell.com/us/eep/p/desktops#!all-in-one-desktops&cid=d...
If you arealready a Dell Advantage member then start this deal by first logging into you Dell Advantage account, clip the coupon, and then shop for PC or click the link about (after you are signed in).
If you are not a Dell Advantage member then join for free by visiting http://dell.com/advantage

>>> HEY FW, before you tell me this is a dupe, please note that this link, configuration, and final price are completely different than the other XPS 8700 that does not exist at the price the person posted with the configuration they posted. Thank you.

Desktop Computer Deals

Dell Consumer Coupons
Estate Planning and Inheritance
Added on : Thursday March 06th 2014 02:00:08 PM
g: 0 Posted By: sonofangryparents
Views: 164 Replies: 3 First, sorry for the Alt-ID...
This post is spurred by my mother who spends a lot of time thinking about her death and what will happen to her possessions afterwards.
Our family consists of her, my dad, my sister and myself. My parents are getting into their 70s, my sister is in her mid 30s, and I am in my early 30s.
My mom and dad don't get along - but they've stayed married through it all (they still live together), and will likely continue to do so until death. My mom does not wish any of "her" assets to go to my father if she should die first, and wants to start doling out her estate now to also lessen any taxes. She refuses to consult a lawyer and create a will. She has instead put money into various joint accounts (Mom/Me, Mom/Sister) and has directed us children to take the money out as soon as she dies. However, both my sister and I are happy with our lives and are not chomping at the bit for such an inheritance; we are happy to let my dad have what we consider to be his money given that it should be considered community property.
A) Is this sort of sheltering even legal for my mother to be doing?
B) Can my mother actually create a will that can distribute certain possessions to her children and exclude her husband? She doesn't believe she can do so (which she uses as her rationale for not wanting to speak with a lawyer and draw up a will).

Also, my parents also own a couple homes in the SF bay area that are paid off and are currently used to garner rental income. My mom would like to pass these on to us - although neither of us are particularly interested in living on these properties in the future (although we would be happy to either continue getting rental income or selling them and using the proceeds to buy homes that we would actually wish to live in). What are the best ways to minimize the tax implications on gifting these? I know this is a loaded question, but it seems like this is a situation that would benefit from the creativity here at FWF.

It does seem like they should have gotten divorced a long time ago, but it doesn't look like that's going to happen...

Also, for the pics crowd - do you really need to see a picture of an angry 70 year old woman?
Personal Finance Deals
g: 0 Posted By: stopsignhank
Views: 239 Replies: 5 http://www.cbsnews.com/news/nj-teen-sues-parents-claims-they-kic...
MORRIS PLAINS, N.J. -- A bitter family battle was playing out in a New Jersey courtroom Monday, as an 18-year-old student has sued her parents claiming they kicked her out and demanded she pay for her own college education.
As CBS New York's Christine Sloan reported,Rachel Canning's parents could not believe it."We're being sued by our child," said Sean Canning, a former police chief in Lincoln Park, N.J.

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

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

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

Rachel did not want to be interviewed Monday.

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

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

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

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

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

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

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

Inglesino said he has spent more than $12,000 on the lawsuit because he wants Rachel to have a great future.Sean Canning said Inglesino is just butting in where he shouldn't and is influencing Rachel inappropriately.
Discussion Deals
Confused by the new economy - the soda, the fees, Angry Birds
Added on : Monday March 03rd 2014 09:00:09 AM
g: -1 Posted By: StevenColorado
Views: 142 Replies: 2 I'm old school. Stuff was manufactured, a markup was added, and the profit came from the difference between the selling price and the costs of production/marketing/overhead.

That seems almost quaint in today's economy. Here are some contemporary models.

1. The soda. At any burger joint, the model is the same - sell someone a burger at razor thin margins, and upsell a soda with it, or French fries. The main feature is actually not profitable or barely profitable, but the side feature is almost pure profit. Another example is restaurants where the money is made on alcohol and desserts. Also when Best Buy sells a hugely profitable extended warranty on a slim-margin piece of electronics.

2. The brand. Angry Birds is a striking example of a game that was given away free to users. While some income was obtained from product upgrades, the branding raked in cash, as people bought Angry Birds branded merchandise. Of course, Disney is the best example of a company that profits from exploiting brands. Note that this has corrupted our political system, where ostensible candidates are using the system to get exposure and charge higher speaking fees and sell books.

3. Fees. I have ethical issues with this one. Banks and credit card companies have found that they can earn more profit from assessing fees, whether arbitrary or not, on customers than they can from the spread on rates. So the profit driver now is creating new fees. I have issues with this because it makes for an antagonistic relationship with the customer. Basically, this tries to take money away from the customer or deny the customer their rightful due. Other examples include Sprint's 4G charge on smartphones, which they assess even if the users do not have 4G service available to them, rebates that are deliberately made difficult to get, etc.

Does anyone know of any analysis available for these new economic structures? OR other that I've overlooked?
General Economics Deals
AmEx introducing new "EveryDay" card
Added on : Monday March 03rd 2014 08:00:09 AM
g: 2 Posted By: NEDeals
Views: 180 Replies: 1 American-Express is rolling out a new line of credit cards called "EveryDay." (not to be confused with Blue Cash Everyday).

These cards have no annual fee, an EMV chip, integration with a mobile app, and a new rewards program.


---"While the AmEx Everyday card is broadly focused on the frequent spender and multi-tasker, the core audience is the busy mom. As AmEx US Consumer Services President (and former Skype CEO) Josh Silverman explains, the typical Everyday card user uses credit and or debit cards at least twice a day. AmEx says that moms spend 18 percent more on monthly expenses compared to the general population.


The card itself doesnt have a yearly fee, and it allows for a revolving balance. Users will get double reward points at supermarkets, and if an Everyday card member uses the card for 20 purchases or more in a given month, AmEx will boost the consumers bonus points by 20 percent. Whats interesting from a technology standpoint is the core integration with AmExs mobile app. When you open the app and integrate your card details, the app will recognize that you are an Everyday member and will show you where you are in the month toward 20 purchases. Users will also get notifications when they can apply rewards points to their purchases, a featurethat is being rolled out more widely with this card. Youll be able to use the points right away, redeem via your mobile phone, and the deduction will be implemented on your AmEx bill."


http://techcrunch.com/2014/03/01/amex-debuts-its-most-mobile-int...
Credit Deals
ExOfficio Men's GiveNGo Boxer Brief ($15.72 was $26.00) @ Amazon
Added on : Sunday March 02nd 2014 10:00:06 AM
ExOfficio Men's GiveNGo Boxer Brief - $15.72 @ Amazon
Added on : Sunday March 02nd 2014 10:00:03 AM
g: 0 Posted By: slervik
Views: 320 Replies: 0 Amazon has the ExOfficio Men's GiveNGo BoxerBrief (Black) on sale for $15.72 with Free Super Saver Shipping on orders over $35.

Extremely quick-drying to you can wash on-the-go and pack fewer pairs
Treated with Aegis Microbe Shield to prevent and control odor-causing bacteria

LINK
Clothing Deals

Amazon Coupons
g: 1 Posted By: MISTERCHEAP
Views: 166 Replies: 0 http://reg.jcpenneyem.com/c/s/tagfrm/hAAAAAAAFtjc1B8zAdQAAAAAADh...
$10 off select original, regular, sale and clearance-priced apparel, shoes, accessories fine jewelry and home purchases of $25 or more. Extra 10% off select original, regular, sale and clearance-priced purchases of furniture, mattresses, and custom blinds & shades. Offers good in store only, excluding taxes and shipping charges, 2/26/14-3/1/14. One use per coupon; one coupon per customer.

Does not apply to Best Value, Levi's,Disney Shop, Assets Red Hot Label by Spank, Nike, Converse, Clarks, Athletic Shoes, Jewelry Trunk Shows, the Diamond Vault, TechnoMarine Watches, Sephora, Le Creuset, Sophie Conran, Royal Doulton, Celebrations, Food, Kitchen, Electrics, Floorcare, Joseph Joseph, Hunter Douglas, In-Home Custom Decorating, Baby Gear, Services, Service Plans, Gift Cards, Furniture Outlet purchases, current orders and prior purchases, or in combination with other coupon(s). Additionally, in Puerto Rico, discount does not apply to Cosmetics Department, Optical, Bassett furniture, mattresses and accessories, music department, Gift Wrap & More and Universal Sunglasses in Plaza las Amricas. Can be combined with earned jcp rewards. Coupon cannot be used for payment on account. Coupon cannot be redeemed as cash or merchandise credit if merchandise is returned. $ off savings applied to all qualifying items or prorated basis; any refunds will be given the prorated amount No cash value.

Clothing Deals

JCPenney Coupons
g: 7 Posted By: remick
Views: 1129 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

DISCOVER:: How to Make New Year's Resolutions That Actually Stick!

Tell me if this sounds familiar: "The Ball" is about to drop on New Year's Eve. 2014 promises a brand new year, full of potential and infinite possibilities. So you make a list of the ways that this year will be different. Then what happens? Usually by late January you've already given up on your goals and moved on to something else.

The question is:"Why do people fail with their New Year's resolutions?"

The problem stems from what you expect to happen over the next 12 months. Instead of trying to make a gradual change, it's easy to approach the New Year with an "all or nothing" mindset. You want things to happen, so you create a series of lofty goals that can't possibly be achieved in a short amount of time. And ultimately this leads to failure.

The Secret to a Successful New Year's Resolution?

Is there a "secret" to making 2014 the best year ever?

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
g: 0 Posted By: bpvh
Views: 282 Replies: 0 Office Depot SurPrize promo: Get a $10-Off-$20 Coupon (or Better) with Purchase of $10 or More (03/01-03/31)


Get your SurPrize card today.

Make a $10 purchase in-store or online in March to earn your SurPrize card.

Come back anytime from April 1 - 30 and use your card to save.

http://www.officedepot.com/a/promo/mysterycoupon/mysterycoupon/


Preview period for Office Depot Rewards members:

Between February 27 and February 28, 2014, Office Depot Rewards Members will be given an opportunity to make a purchase of $10 or more (before taxes and after discounts) in qualifying products at www.officedepot.comand receive a coupon. There is a limit of 20 qualifying purchases that can be made to obtain a card.


NO PURCHASE NECESSARY.

Coupon values: $10 off $20, $20 off $30, $50 off $50, $100 off $100, and $500 off $500. Open to legal residents of the 50 United States/D.C. (excludes Office Depot employees). Not valid in PR. Void where prohibited. For Free SurPrize Coupon (Limit 20), send "3x5" card with First & Last Name and address to: Office Depot, 6600 N. Military Trail, Boca Raton, FL 33496. Mail code: N313J, postmarked by 3/31/14. Check value without purchase beginning 4/1/14 at www.officedepot.com/surprizeor customer service in-store. Official rules, including odds, at www.officedepot.com/surprize.SPONSOR: Office Depot, Inc., 6600 N. Military Trail, Boca Raton, FL 33496.

Coupon Terms: Valid in-store, by phone or fax and online only at OfficeDepot.com. Must present this original coupon (photocopies/reproductions not valid) to cashier in-store at time of purchase. Use the coupon code for phone or fax orders or enter the coupon code to cart online at checkout. Cannot be combined with Store Purchasing or Procurement Cards. Cannot be used as an account payment. Not valid for purchases: 1) of Gift Cards; 2) of performance protection plans; 3) of postage or mailing/shipping services 4) of Tech Depot Services or third party services; or 5) premiums/free gifts with purchase. Coupon is good for one-time use only, is not transferable, is not for resale or auction and cannot be combined with other offers or promotions. We reserve the right to limit quantities sold to each customer. No Cash Back. Void where prohibited. Limit 1 coupon per household/business. Coupon is valid 04/01/14 through 04/30/14 11:59 PM ET.

Text "SURPRIZE" to Depot (33768) to receive ongoing alerts and offers from Office Depot (up to 5 per month). Msg&Data Rates May Apply. Must be 18 or have parent/guardian permission and agree to Office Depot's Terms of Use. U.S. only. Text 'STOP' to opt-out. Text 'HELP' for help.


http://www.officedepot.com/speciallinks/us/od/docs/surprize_marc...
Office & School Supplies Deals

Office Depot Coupons
Office Depot SurPrize card with $10 purchase in March
Added on : Thursday February 27th 2014 06:00:03 PM
g: 0 Posted By: bpvh
Views: 44 Replies: 0 Office Depot SurPrize card with $10 purchase in March


Get your SurPrize card today.

Make a $10 purchase in-store or online in March to earn your SurPrize card.

Come back anytime from April 1 - 30 and use your card to save.

http://www.officedepot.com/a/promo/mysterycoupon/mysterycoupon/


Preview period:

Between February 27 and February 28, 2014, Office Depot Rewards Members will be given an opportunity to make a purchase of $10 or more (before taxes and after discounts) in qualifying products at www.officedepot.com and receive a coupon. There is a limit of 20 qualifying purchases that can be made to obtain a card.


NO PURCHASE NECESSARY.

Coupon values: $10 off $20, $20 off $30, $50 off $50, $100 off $100, and $500 off $500. Open to legal residents of the 50 United States/D.C. (excludes Office Depot employees). Not valid in PR. Void where prohibited. For Free SurPrize Coupon (Limit 20), send "3x5" card with First & Last Name and address to: Office Depot, 6600 N. Military Trail, Boca Raton, FL 33496. Mail code: N313J, postmarked by 3/31/14. Check value without purchase beginning 4/1/14 at www.officedepot.com/surprizeor customer service in-store. Official rules, including odds, at www.officedepot.com/surprize.SPONSOR: Office Depot, Inc., 6600 N. Military Trail, Boca Raton, FL 33496.

Coupon Terms: Valid in-store, by phone or fax and online only at OfficeDepot.com. Must present this original coupon (photocopies/reproductions not valid) to cashier in-store at time of purchase. Use the coupon code for phone or fax orders or enter the coupon code to cart online at checkout. Cannot be combined with Store Purchasing or Procurement Cards. Cannot be used as an account payment. Not valid for purchases: 1) of Gift Cards; 2) of performance protection plans; 3) of postage or mailing/shipping services 4) of Tech Depot Services or third party services; or 5) premiums/free gifts with purchase. Coupon is good for one-time use only, is not transferable, is not for resale or auction and cannot be combined with other offers or promotions. We reserve the right to limit quantities sold to each customer. No Cash Back. Void where prohibited. Limit 1 coupon per household/business. Coupon is valid 04/01/14 through 04/30/14 11:59 PM ET.

Text "SURPRIZE" to Depot (33768) to receive ongoing alerts and offers from Office Depot (up to 5 per month). Msg&Data Rates May Apply. Must be 18 or have parent/guardian permission and agree to Office Depot's Terms of Use. U.S. only. Text 'STOP' to opt-out. Text 'HELP' for help.


http://www.officedepot.com/speciallinks/us/od/docs/surprize_marc...
Office & School Supplies Deals

Office Depot Coupons
officemax.com 20% off code
Added on : Thursday February 27th 2014 01:00:07 AM
g: 0 Posted By: DaysFan
Views: 132 Replies: 0 http://www.officemax.com/catalog/2014/9/hp-hero.jpg

http://www.officemax.com/
code: SAVE20 Valid in store and online thru 3/1/14. Limit one coupon per customer. Coupons are non-transferable. 20% discount applies to in-stock items only. Not applicable on special orders. No Rain Checks will be given for the 20% discount unless required by law. Cannot be combined with other offers/coupon codes, associate discount, OfficeMax Customer Perks and/or Retail Connect(SM) pricing. No price adjustments from prior purchases will be made. Not valid on purchases of HP products, Epson Ink and toner, printers, computers, monitors, shredders, select case paper, televisions, Ooma products, projectors, fax machines, copiers, typewriters, cash registers, hard drives, gift cards and sale priced furniture. For in-store purchases only, coupon must be surrendered at the time of purchase. 20% discount applies to all regular-, sale-, promotional and clearance-priced items before taxes. OfficeMax ImPress Print Center services include shredding, printing, copying, oversized printing, binding, laminating and finishing only. Additional in-store exclusions are file cabinets, Ready to Assemble Furniture, chairs, furniture accessories Epson scanners, video games, U.S. Postage Stamps, Epson projectors and screens, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, general-use prepaid cards, phone cards, Virgin Mobile devices & service plans, MaxAssurance services and protection plans and OfficeMax Essentials Kits. Merchandise must be in original packaging. For online purchases only, offer is not valid for orders on OfficeMaxSolutions.com, Maxbuyer.OfficeMax.com, OfficeMaxCommercial.com, or Government.OfficeMax.com. Coupon does not include tax and shipping. Additional online exclusions are tablets, select eReaders, eReader accessories, USB drives, label makers, scanners, voice recorders, clearance items, iPad accessories, lens accessories, projector accessories, shredder supplies, typewriter supplies, appliances, printer docks, photo packs, digital cameras, camcorders, MP3 players, digital photo frames, headphones, home theater, digital voice recorders, unlocked phones, graphing calculators, GPS systems, accessories, video game consoles & accessories and audio & accessories, gaming keyboards & mice. Cash value .001 2013 OMX, Inc.
mixing home/rental ownership for tax planning/optimization?
Added on : Wednesday February 26th 2014 11:00:10 AM
g: 0 Posted By: TheMeliorist
Views: 120 Replies: 0 From reading the IRS rules, it seems that there are several scenarios where an individual could capitalize on the different rules for a main home and rental property which I haven't seen posted here:
In general, rental properties seem favorable because you can deduct repairs and depreciate value. But if you maintain your property as your main home for 2 of the last 5 years, you can forgo income tax on gains below $250k (whereas with a rental, you would pay taxes on such gains). It doesn't seem like there's any reason these can't be combined.

So let's say you buy a foreclosure in bad shape for $50k and find someone to rent it to. It seems, as long as your MAGI is below 100k, you can deduct 25k of losses such as repairs each year. Perhaps after $25k in repairs you can increase the rent and the next year put in another 25k of repairs. Now the house is in a state you're willing to live in, so you move in, live there for two years, and sell for $150k. It seems to me your realized gain would be 100k in this case, falling under the 250k tax exemption, but under a 2009 rule I think you'd qualify for only for a 50k exemption* but since it was a rental property you also got $25k of deductions each of those two years (so it's a wash for the homeowner given the same rates). If it was strictly a rental, you'd get those repair deductions but pay taxes on the 100k gain. You could also do this with multiple rental properties, only moving into the one which appreciated the most to avoid some or most of the tax hit there (depending on how long you're willing to live there).

You could also do it the other way, let's say you want to sell your main home (that has been over 2 years) but know it needs major repairs; you could rent it instead and make the repairs deductible until you sell and would owe no income tax in this case (non qualified use only counts against you before you occupy the house in said 5 year period). This is clearly preferable if you don't plan on living there longer than you rent the property or want to churn properties using this method.

You could also move the concept into grey areas like renting rooms (where you can apportion a % of repair costs based on sharing/use) which doesn't seem to exclude you from the main home test, would allow you make repairs immediately (instead of living with deficiencies for two years) and allow you to churn faster (in serial, at least).

Is my reading and thinking correct? If so, are there any other angles/scenarios you guys can think of? Of course in any of these scenarios you have to pay taxes on depreciation from the rental period but these should be small for small periods and you'd have to do that when selling rental property anyway.

*If you chose to live there only 2 years I think you'd pay income tax on 50k (since two years of four were nonqualified) but perhaps this can be lowered depending on your rental cost basis (eg, if you replaced a roof or another capital improvement during this period)?
Real Estate Deals
g: 0 Posted By: IStillPickUpPennies
Views: 30 Replies: 0 We nearly went to California for our spring vacation. At that point, I was looking at getting a "Go Los Angeles" card, which for $263 would have given us 5 days with Six Flags, Knotts Berry Farm, Legoland California & Universal Studios. Instead, we decided to go to Orlando and take a Disney Cruise. Before the cruise, we have 6 days in Orlando. We did Disney last time, and this time would like to focus on Universal, and perhaps a day at Legoland or another park. We are staying at the Coco Key water park & resort, so we are not interested in water parks.

So far I haven't had any luck in finding a decent deal that includes Universal Islands, Universal Studios, plus possibly Legoland. I have been able to find a Go Orlando card - $263 for 4 days, has Legoland but no Universal, and a bunch of other stuff we don't want. I also came across a $304 "Orlando Flex Ticket", which has the 2 Universal parks, plus 3 parks we don't want. (Seaworld & 2 water parks) I just can't seem to find the combination that we want!

Also, I know that I previously saw a "dine all day" option at Universal Orlando that let you stop at their fast service restaurants multiple times all day for about 25 bucks, but that seems to be gone now - replaced with a "eat one meal for $20" plan, evidently. Argh!

If anyone has been to Universal Orlando recently, and has any tips for saving $$, I would appreciate any ideas. Thanks!
Requests Deals
Need help with Condo Decision
Added on : Tuesday February 25th 2014 03:00:09 PM
g: 0 Posted By: kevb81
Views: 32 Replies: 0 As far as background, I am a 32-year old single male looking at buying a place in Jersey City due to how close it is to the city and how much I like the area (I rented there for a few years). I am trying to evaluate and make a smart decision - I am debating between 2 condos below.

One unit is right off a nice park park in a brownstone complex. The unit is good shape except the kitchen which has granite and updated cabinets but still has older looking (white) appliances (electric stove) and would be nicer if opened up so its not enclosed. The rest has some exposed brick accents, completely renovated bathroom with nice finishes, crown moldings. No washer dryer in unit (card system in the building) or real amenities. Right near the park but not directly over it so it shouldn't be too noisy. Parking is uncovered and part of the maintenance fee . The walk to the train is 14 - 15 minutes per google maps. $2110/mo including mortgage, hoas, taxes, etc ($383k)

The other unit that I was debating is in a more modern building (doorman, nice lobby and a common Courtyard
). 7 minute walk to the train in an arguably more happening area (more midrise condos). Open kitchen and nice finishes/fixtures. 2nd floor so not a ton of light despite being in a midrise building. No parking. I would have to rent for about $200/month in the building, so my total cost is about 3,020/month. ($460k)

Both are about 750 sf, 1bed/1ba. I am looking at ideally staying there for about 5 years when I settle down and need more space. My guy says that the appreciation may be better in the more expensive unit but I have never been one to bank on that.

Given that its a "starter home" should I get something more luxurious or something simpler but nice at good cost savings. I am grappling with it :/
Personal Finance Deals
Daily budgeting tool with account hook up a la Mint?
Added on : Tuesday February 25th 2014 05:00:14 AM
g: 0 Posted By: christopayne
Views: 13 Replies: 0 So I've spent a lot of time thinking about budgets and using tools like Mint. The monthly budgeting it allows works well, and the account hook up is invaluable. It's nice to see my purchases and makes things somewhat automatic.

However, I think budgets are oftentimes too "big" to be followed accurately. I.e. it's difficult to picture sometimes how $800 in groceries and fooda month breaks down to individual purchases. Maybe it's just me.

Anyway, I think a good way to tackle this is to set smaller goals. For example, if I know I have $40 a day to spend, that rolls over each day, it will make it easier to stay on track for me. If I spend $0 today, I have $80 tomorrow. If I spend $120 on groceries today, I should avoid spending anything for the next two days. Etc.

Anyone know of a budgeting tool that let's you track a daily budget that rolls over, and *also* integrates account data? I'd rather not have to sit down each night and enter every little expenditure into an app, if I can help it. Right now I keep a running tally in my head, but my head doesn't send me text alerts when I blow my budget in a given day.

I've suggested this in the Mint forums but didn't get a good response.

TIA!
General Economics Deals
g: 0 Posted By: respdoc
Views: 178 Replies: 1 Link:

http://www.amazon.com/gp/product/B00IIJ6W4S/ref=oh_details_o00_s00_i00?ie=UTF8&psc=1



Was looking around for a new card...and this seems to be a good deal at around $80 off MSRP...given the fact it was just released yesterday.

Temp OOS but can order.
SD & SDHC Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 197 Replies: 0 http://www.amazon.com/dp/B00H8K4WEU

4.5 out of 5 stars (22 customer reviews)

DISCOVER:: How to Make New Year's Resolutions That Actually Stick!

Tell me if this sounds familiar: "The Ball" is about to drop on New Year's Eve. 2014 promises a brand new year, full of potential and infinite possibilities. So you make a list of the ways that this year will be different. Then what happens? Usually by late January you've already given up on your goals and moved on to something else.

The question is:"Why do people fail with their New Year's resolutions?"

The problem stems from what you expect to happen over the next 12 months. Instead of trying to make a gradual change, it's easy to approach the New Year with an "all or nothing" mindset. You want things to happen, so you create a series of lofty goals that can't possibly be achieved in a short amount of time. And ultimately this leads to failure.

The Secret to a Successful New Year's Resolution?

Is there a "secret" to making 2014 the best year ever?

The answer is simple: Focus on one major goal (or a few) for the next year and then develop a series of habits that works towards achieving it. Instead of trying to change your entire life in January, the simpler strategy is to adopt a 12-month plan where you're making constant improvements. You'll still get to set fun goals for the next year, but with the following plan you'll succeed because you're simply focusing on making one positive change at a time.
Totally Free Deals
g: 0 Posted By: remick
Views: 154 Replies: 0 http://www.amazon.com/Colors-Hope-Becoming-People-Justice-ebook/...

4.6 out of 5 stars (17 customer reviews)

The Christian life, says Richard Dahlstrom, should be guided by the intentional goal of blessing the lives of the friends, loved ones, and strangers in our midst. We are called to impact a culture that, for all the rhetoric about hope, is overwhelmingly preoccupied with personal peace, prosperity, protection, and survival. Christians should be artists who paint with the colors of hope in a broken world, embodying Christ's redemptive presence in our personal lives, our work, and our relationships.

This inspiring and practical book offers tools for living out this vision in daily life, with special attention given to the challenges we face in staying focused on the mission of imparting hope to others even while dealing with our own personal issues. Anyone who wishes they could have an impact on the world will cherish this unique book.
Books Deals

Amazon Coupons
OfficeMax 20% off coupon 02/23/2014-03/01/2014 (exclusions apply)
Added on : Thursday February 20th 2014 10:00:03 PM
g: 1 Posted By: bpvh
Views: 200 Replies: 0 OfficeMax 20% off coupon 02/23/2014-03/01/2014 (exclusions apply)


As found in the online version of the weekly flyer:


BRING IN THIS COUPON AND GET 20% off** LINK

Plus save online at OfficeMax.com with promo code SAVE20.***

Including:

Ink & Toner

Case & Ream Paper

Software

Office Supplies

Technical & Business Services

Print & Shredding Services

Mobile Accessories

And More!

Valid February 23 thru March 1, 2014. **Valid 2/23/14 thru 3/1/14. Valid in store and online at OfficeMax.com. Discount applies to regular-, sale-, promotional- and/or clearance-priced items before taxes. Limit 1 coupon/promo code per customer. Discount does not apply to purchases of Epson and HP ink and toner, U.S. postage stamps, TVs, printers, computers, tablets, eReaders, monitors, Epson projectors and scanners, shredders, typewriters, cash registers, hard drives, data storage, keyboards and mice, networking products, file cabinets, ready-to-assemble furniture, chairs, furniture accessories, gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, MaxAssurance Service and Protection plans, furniture assembly, OfficeMax Essentials kits and FedEx shipping services. Discount includes the following select OfficeMax print services: shredding, printing, copying, oversized printing, binding, laminating and finishing. Discount applies to in-stock items only. Special orders are not eligible for the discount. Coupon is limited to one-time use only and must be surrendered at the time of purchase. Void if copied, sold, purchased, transferred, taxed or where prohibited. Not valid with any other coupon offer, associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. No price adjustments from prior purchases will be made. Not valid for credit card payments. No rain checks will be given for the 20% discount unless required by law. No cash or credit back. Cash value .001. 2014 OMX, Inc. ***For online purchases, the offer is not valid on OfficeMax.com specialty shops, affiliated third-party websites or Business Services purchases. Discount excludes shipping and handling fees (if applicable to the order). See OfficeMax.com for full details.
Roth IRA-Rollover vs Contribute
Added on : Thursday February 20th 2014 02:00:09 PM
g: 0 Posted By: mattsd13
Views: 91 Replies: 1 Just wondering.......if I wanted to contribute to my Roth is there any advantages/disadvantages when considering rolling over from a tax advantage account such as a 401k vs contributing with cash on hand? I do realize the rollover has the 5 year rule for withdrawal and the amount rolled over impacts income for that tax year. Given the same amount, say 5k, is either route preferred over the other?

Thanks for any responses!
Investing Deals
g: 0 Posted By: sherryillk
Views: 224 Replies: 1 I remembered answering a survey for the Sports Illustrated Swimsuit edition last year so on a lark, I downloaded this year's edition on the iPad and lo and behold, another link to a survey for a $5 Amazon gift card. It was on the 2nd to last page of the magazine, right before the credits and clicking on it takes you to a page to put in your email to receive the link to the survey. I got the email to the survey immediately and the survey itself was pretty much exactly like last year's (asks you if you remember certain articles, pictures and ads, and your opinions on them) and took me about fifteen minutes to answer.

After that, the email to the Amazon gift card came pretty immediately after as well. The link I was given to the survey was specific to my IP address so I doubt it'll work for anyone else. But if you have a subscription to Sports Illustrated, you get the digital editions free so I would check if guys find the same offer.
Movies & Music Deals
g: 0 Posted By: evansamber
Views: 244 Replies: 1 http://www.amazon.com/iDsonix-trade-Charging-Adapter-Protector/d...

Price: $89.99
Sale: $39.00
Save: $61.50 (61%)

Product features:
Plug and play; no driver required ON / OFF switch activate or deactivate individual ports. LED indicator lights show which USB ports are in use at any given time Built-in USB cable. Color: Black. Supports: Windows XP/Vista/7/8& Mac systems CE and FCC approvalled
Easily add 10 USB 3.0 SuperSpeed ports to your PC and enjoy data transfer rates of up to 5Gbps for faster sync times.
Additional charging port (2.1A) offers enough current to charge either a smartphone or a tablet at high speed. USB 3.0 ports supply 0.9A each.
Lightweight, "power-bar" design effectively saves space. Blue LED indicates normal operation.
Designed with a built-in surge protector to keep your devices safe. Supports hot swapping.
Electronics Deals

Amazon Coupons
g: 16 Posted By: remick
Views: 2347 Replies: 4 http://www.amazon.com/Skeleton-Atlas-Visual-Reference-Human-eboo...

This photo book provides a visual overview of the human skeleton (including a multitude of fractures) through 204 unique and stunningly realistic visuals.
By using the same advanced 3D-software as used in the Visual effects movie industry, it was possible to recreate all the facets of the human skeleton. All images have been created with accurate 3D models based on actual scanned human data.
Special attention has been given to fractures, since this is a subject commonly searched for.
Skeleton Atlas is targeted towards medical professionals and everybody with an interest in human anatomy.

This book is categorized in chapters, where each chapter represents a specific part of the human adult skeleton. Each chapter contains:
-Multiple overviews with detailed naming of the bones (in both english and latin).
-Detailed close-ups.
-Fracture-related images with clear naming of each fracture.


Totally Free Deals
Free Wilson Golf Balls (Facebook, Twitter or Instagram) 1st 327
Added on : Sunday February 16th 2014 12:00:08 PM
g: 0 Posted By: remick
Views: 170 Replies: 0 https://www.facebook.com/WilsonGolf

Facebook: I want insert friend's name here to try the world's softest tour ball from Wilson Staff. I'm paying it #FGTourward.

Twitter: I want @insert friend's twitter name here to try the softest tour ball from @WilsonGolf so we both get a free 2-ball pack! I'm paying it #FGTourward.

Instagram: I want @insert friend's twitter name here to try the softest tour ball from @Wilson_Golf so we both get a free 2-ball pack. I'm paying it #FGTourward.

open only to legal residents of the
fifty (50) United States and the District of Columbia who are at least thirteen (13) years old at the time of entry who
either have (i) a Twitter account, and who are followers of @WilsonGolf, (ii) an Instagram account, and who are
followers of @Wilson_Golf or (iii) a Facebook account, and who are fans of Wilson Staff fan page at
www.facebook.com/wilsongolf

To enter the Contest, during the Contest Period (i) tweet via Twitter, (ii) post on your wall via
Facebook, or (iii) tag via Instagram the image or text set forth in the contest announcement, as directed and including
the hashtag #FGTourward. Doing this will generate one (1) entry into the Contest. Any participant who posts after
the close of the Contest Period will not be given an entry into the Contest. Limit: Each participant may obtain only
one (1) entry into the Contest. Multiple entrants are not permitted to share the Twitter/Facebook/Instagram account.
Any attempt by any entrant to obtain more than the stated number of entries by using multiple/different
Twitter/Facebook/Instagram accounts, identities, registrations and logins, or any other methods will void that entrant's
entries and that entrant may be disqualified from the entire Contest.
Sports & Outdoors Deals
g: 0 Posted By: robronson
Views: 64 Replies: 1 I've never understood how traveling consultants paid income taxes to various states they worked in. Especially when they might have done work in 10 or more states in a given year. I've always imagined they just shirked their state income taxes and only paid to their home state.

When you live in one state and drive/commute/work in an adjacent state (like NJ/NY), they have some kind of reciprocity agreement that makes it easier on how it works. But if you live in Texas and fly to California, NY, Georgia, and Oregon for work, good luck with that.

I imagine if you're a 1099 then business expensing would become a bigger issue. Suppose you worked in Cali for a few weeks and made $20k. How do you decide which of your business expenses to write off against that $20k to determine what your actual net California income tax is? Do you have to prorate the expense against every client you saw that year (like a laptop computer)? Or can you determine a specific expense was California only? Are consultants getting 15 different accountants, one for each state they work?

I really do imagine these are simply taxes that aren't going paid and smart consultants are residents of Washington, Texas, Florida or one of the handful of no income tax states.
Tax Deals
Contractor Demanding 2013 W-2
Added on : Friday February 14th 2014 05:00:07 PM
g: 0 Posted By: JohnnyBGood3
Views: 117 Replies: 4 I have a contractor who worked for me over the course of 1 month, earning a total of about $1300 over that time period. We agreed at the time she would be treated like a contractor, and paid much more than minimum wage. Legally, she likely met the requirements to be treated as an employee as she worked only on my premises using my tools, etc. Work ran out and I told her I didn't have any more hours for her and that ended our relationship as she wasn't good enough to bring back for more when work picked up again. Recently, I was gathering her SSN & Address to issue a 1099 (I'm pretty new at this, took me a while to get the hang of all the legalities.. I think it's much more complicated than it should be but that's another discussion). She avoided me at first and then asserted her right to be treated as an employee and demanded a W2. Now she won't return any communication.

Is there any situation where an onsite worker might be legally considered a contractor given the temporary nature of the work and short duration/low earnings? What kind of penalties would I be looking at if I try to get a W2 issued this late? I will be seeing an accountant about this but I want to be prepared for the meeting.
Personal Finance Deals
Why do people return foreign ids/passports?
Added on : Friday February 14th 2014 06:00:14 AM
g: 0 Posted By: itzcuzimuslim
Views: 3 Replies: 0 What's the point of this? What justification is given to consulate workers
Discussion Deals
Balancing Student Loans, Retirement Funds, and life's expenses
Added on : Friday February 14th 2014 05:00:21 AM
g: 0 Posted By: itslikepaper
Views: 49 Replies: 0 Hello,

First of all, thank you in advance for any and all advice. I've been reading and learning quite a bit on FWF for a long time now, but this is my first time posting. FYI - I wish I knew about this forum before I took out these damn student loans.

Main Question: How should I allocate my income in order to responsibly pay off my student loans while still saving for retirement and other life expenses?

Profile:
26 years old
Employed, Full-Time, earning $48,000 per year - company does not match 401(k)
Married (26 years old, earning $25,000 per year)

Loans:
$27,718 - 6.8% Unsubsidized
$4,357 - 5.6% Subsidized
$5,512 - 6.0% Subsidized
$22,202 - 6.8% Subsidized
$2,627 - 2.35% Subsidized

Other expenses:
Rent & Utilities $1,100/month
No credit card debt
No auto loans

Assets:
$11,000 in Savings Account

Here's my two lines of thinking

A)
1. Max out Roth IRA as an emergency fund up to $11k (2014 & 2015)
2. Keep $3k in Savings, but put the remaining $2,500 (11k - 5.5k Roth contr - 3k savings) into the 6.8% Unsub student loan.
3. Pay minimum on lower interest rate loans while throwing everything else at the 6.8% Unsub loan.
5. An option (please give your opinion) is to enroll in an online course at a local Comm College to postpone interest on Subsidized loans.
6. Work hard and earn more money.

PROS:
Fastest way to pay off student loans.
Simplicity (no BTs and no crossing fingers for some kind of student loan bailout)

CONS:
No room to save on down payment for house
No retirement savings

OR

B)
1. Max out 401(k) to lower our AGI
2. Pay minimum on student loans
3. Get a job in the public sector (and probably a pay cut) to take advantage of PSLF (Public Service Loan Forgiveness - forgives all loans after 120 monthly payments)
4. Continue to keep AGI as low as possible using 401(k).

PROS:
Paying min on student loans gives me more flexibility with my money
Significant retirement savings

CONS:
PSLF, like anything else the government does, is not guaranteed to be around in 10 years
Taking a pay cut
I'm sure there are more cons, but drawing a blank right now

So, it feels like to me that these are my only two options and that they are mutually exclusive i.e. I can't really do a hybrid of both options to take advantage of the PROS. Any other ideas and suggestions are appreciated!

Thank you all again for any advice you can contribute!!!!!!



Personal Finance Deals
Cablevision Saved myself $25 month off silver package YMMV
Added on : Friday February 14th 2014 05:00:11 AM
g: -3 Posted By: traderneal
Views: 212 Replies: 1 Getting tired of paying over $200 month for cable, tv and phone so I called cablevision to see if they could do anything.

Now first, let me say, I like Cablevision. Knock wood, I have had no problems with them and I find their phone customer service, especially when I have problems with the internet.

Anywhoo, I called them and simply asked if they could do any better. At first they said no promotions were available. I then said to them, look, I don't want to play the game and threaten to cancel my service andthat I am going to FIOS and I know that usually works. I just don't want to play that game. I just would like a reduceded cable bill. The CR said there was nothing he could do but switched me to retention.

I repeated my story, and after a 3 minute hold I had a choice with 2 offers:

$25 a monthoff my current silver package
$20 a month off the gold package.

(The gold package would have given me a few more movie channels and (allegedly) 3X faster internet.)

Saying I didn't want anymore channels and my internet service is fine, I chose the $25 monthly savings.

Again, this is prolly a huge YMMV, but worth 10 minutes total of your time. I think the key is to be honest and say you don't wanna play the "I'm leaving game"
Services Deals
How to tap in to Texas growth
Added on : Friday February 14th 2014 03:00:10 AM
g: 1 Posted By: bobaldie
Views: 93 Replies: 2 Summary: Believes Northern Virginia RE growth slowed and believes in Texas growth potential. How and where to transfer investment. Are there areas better than Texas for investment now?

I live in Virginia and have considerable RE investment. But due to changes in government spending and outlook, i am convinced this region growth will match the total US growth if not lagging. On the other hand I am totally convinced Texas is going gangbusters on all cylinders and probably for the foreseeable future. Also there is not much of real estate excesses in Texas combined with spectacular economic growth results in a tremendous real estate returns. People from all over US are flocking to Dallas and other areas for high paid jobs.
Unfortunately, i am tied-up with my RE and spouse job here and on top of it my primary home is being built as we speak (perhaps a wrong decision as i didn't realize the TX potential few months back).

Given this backdrop what is the best way for me to tap into Texas RE. Is it feasible and practical to invest from long distance? What areas/kinds of investments are good and feasible for long distance maintenance still awarding the growth.
If things workout i am thinking i could unload few condos from here and am pretty sure that would buy very big houses there but not sure of how well they do on ROI.

Any thoughts from RE guys from Texas would be very helpful. I am not interested in high maintenance low potential areas but my Target is clusters where high and stable income growths are.
I am also open to other thoughts to move my condo investment in Northern Virginia into some other growth investment options even if it is not real estate.
Real Estate Deals
g: 0 Posted By: remick
Views: 192 Replies: 0 http://www.amazon.com/Confident-Heart-Devotional-Doubting-Yourse...

4.9 out of 5 stars (23 customer reviews)

Built on the hope-infusing truths found in the 2012 Retailer's Choice Winner, A Confident Heart, Renee Swope's new 60-day devotional takes women on a journey toward lasting confidence. Swope has expanded her popular "When I say--God says" statements and Scriptures, and offers women a daily thought-map to help them exchange their most common and crippling self-doubts with God's transforming truths.

Like having a conversation with a friend and mentor, Renee's authentic style and soul-stirring devotions include personal stories, powerful biblical teaching, and real-life application wrapped around one of God's promises each day to help readers:

live confidently in their God-given roles, relationships and responsibilities
break free from people-pleasing and performance-based living
believe God's promises and apply his truth in their daily lives
trust the certainty of God's truth over their circumstances and emotions
Books Deals

Amazon Coupons
10% off at Boxed.com! Like Costco on your phone, prices better than Amazon!
Added on : Thursday February 13th 2014 01:00:09 PM
g: 0 Posted By: Thrilla
Views: 332 Replies: 0 Given the latest news about Amazon likely to raise the price of Prime, I've been looking around to see what alternatives are out there and I came across Boxed. This app has been getting a lot of press lately so I decided to check them out and found this coupon code for 10% off:BOXED2014. I checked out the prices and they're extremely competitive. I can't copy the links here since I can only order through the phone or tablet but here's a sample of their prices and how they compare to Amazon:

Baked Lays Potato Chips 30 Bag Variety Pack
Boxed - $11.99
Amazon - $25.95Link

Orbit Sugarfree Gum 18 Pack
Boxed - $12.99
Amazon - $18.49Link

Advil 200mg, 360 count
Boxed - $18.99
Amazon - $22.49Link

There's a ton more out there, almost everything I looked at beat Amazon's prices.

Free shipping on orders of $75 or more, don't forget the 10% off code!
Grocery Deals
Day trading and T3 Settlement Question...
Added on : Wednesday February 12th 2014 06:00:13 AM
g: 0 Posted By: thomas7729
Views: 114 Replies: 1 So, I have done some research on this question, and keep getting conflicting answers. How does day trading work with the 3 day settlement issue? To make my question more clear, I will give two hypothetical examples.

1. Say you have $30,000(more than 25k minimum). You want to use all $30,000 in every trade you do(again hypothetical). Can you flip this $30,000 as many times as you want in a given day. Buy Sell Buy Sell Buy Sell Etc... all in one day?

2. Say you have $5,000 but you are in a margin account with a buying power of $10,000. Can you flip the $10,000 as many times as you want with OVERNIGHT trades? Buy first day, Sell second day, Buy second day, Sell third day, Buy third day, ect.... Or is this free riding and not allowed, even though it is in a margin account?

Thanks
Investing Deals
Free Kindle Book- Skeleton Atlas: A Visual Reference Of The Human Skeleton
Added on : Wednesday February 12th 2014 06:00:11 AM
g: 1 Posted By: remick
Views: 155 Replies: 0 http://www.amazon.com/Skeleton-Atlas-Visual-Reference-Human-eboo...

This photo book provides a visual overview of the human skeleton (including a multitude of fractures) through 204 unique and stunningly realistic visuals.
By using the same advanced 3D-software as used in the Visual effects movie industry, it was possible to recreate all the facets of the human skeleton. All images have been created with accurate 3D models based on actual scanned human data.
Special attention has been given to fractures, since this is a subject commonly searched for.
Skeleton Atlas is targeted towards medical professionals and everybody with an interest in human anatomy.

This book is categorized in chapters, where each chapter represents a specific part of the human adult skeleton. Each chapter contains:
-Multiple overviews with detailed naming of the bones (in both english and latin).
-Detailed close-ups.
-Fracture-related images with clear naming of each fracture.


Totally Free Deals
My Time to Refinance? Help wanted.
Added on : Tuesday February 11th 2014 09:00:22 AM
g: 0 Posted By: justignoredem
Views: 47 Replies: 0 Hello folks,

I'm new to the mortgage game. I came into a relationship with my fiancee having a home already, so forgive me for some questions. I know some things might be able to be addressed in the sticky topics, but I don't feel comfortable with everything yet (including terms).

Current Information:
Yearly Income Combined (Untaxed): ~$130k
Original Mortgage Amount: $140,000
Current Mortgage Remaining: $111,000 (Just over 20% threshold?)
Mortgage APR: 5.00%
Loan Type: FHA. So we currently pay PMI until the end of this year. Refinancing would save us a little here.

We Currently pay our Mortgage + $600 - $1000 additional principal every month (depends on how good we did for the month).

My issue's are:

1) What fee's can I typically expect? A lot of people mention "Don't worry, they can roll the fee's into the loan"... I don't care, a fee is a fee, a debt is a debt. I want as least fee's as possible. I want as much equity as possible.
2) What is the best way to Refinance? I am thinking given how much additional principle we do, a 15-year at today's rates (~3.3% according to Yahoo Finance) makes the most sense.
3) As I understand, the disadvantage to refinancing is our mortgage returns to Day 1. So the majority of the beginning of the loan payments will go to Interest instead of principle. Is this true? If so, should I stick to my current 30-year?
4) Who should I refinance with? Most bang for my buck, least amount of fee's? I hear PenFed and Lending Tree from time to time here, but I'm still unsure. Any help is appreciated given my circumstances.
g: 0 Posted By: Gauss44
Views: 6 Replies: 0 I had an acquaintance a while back who said that she had to file bankruptcy after having a dental emergency and no dental insurance. I'm truly puzzled by this because my research indicates that Delta Dental's high individual plan (which anyone can purchase, regardless of employer) costs about $600 a year for a maximum of only $1000 of coverage. Based on those numbers, "Why would anyone bother purchasing dental insurance?," I wonder.

In the meantime, I definitely need to see the dentist myself and currently have no dental insurance myself. I could easily purchase insurance but don't see the point. (Do you?) In addition to dental maintenance like cleanings, I may have trouble ahead given that my front teeth have minor cracks near the ends and one of them is getting a white spot on it. I'm truly puzzled as to whether or not I am overlooking a substantial reason to get dental insurance?.. As far as I can tell, I should just pay out of pocket and forget insurance. ("Pay $600 for the possibility of saving $400" doesn't make sense to me.)

Do you all have dental insurance? Why? Why not? Is there a better alternative to dental insurance?
Discussion Deals
short term investment
Added on : Sunday February 09th 2014 12:00:05 PM
g: 0 Posted By: bobaldie
Views: 83 Replies: 4 My Builder building the new house and expected to be delivered in June - July. My down payment funds towards $120k is now sitting in bank. I wonder where to invest these funds from now to the closing date, given the market conditions at this time.
I am looking for a reasonable risk investment vehicles where I can park this money. Appreciate any tips and ideas. I have Vanguard account but what in there is my dilemma..
Investing Deals
Red Light Safety Citation over 2 years ago
Added on : Friday February 07th 2014 01:00:04 PM
g: 0 Posted By: SS7Man
Views: 0 Replies: 0 Red light violation occurred 2/2011
03/2011 - First Notice received, IGNORED IT
05/2011 - Second Notice received, IGNORED IT

2/2014 - Received a letter that I need to pay or Default Judgement be entered in 3 weeks. It provided a phone number and payment options. No option to dispute.

Can they claim this against me given the length of time that have elapsed for them to take such action? Yes I am a deadbeat and refused to pay this tax but will to avoid any license suspension.
g: 0 Posted By: jaymanthegreat
Views: 184 Replies: 0 10-Movie Mega Pack, Vol. 3 (Full Frame) $4.00

You Save: $10.99 (73%)

Movie Description:

"Sex & Mrs. X": Joanna Scott and Madame Simone are as different as night and day. Joanna, a reporter muddling through a divorce after ten years of marriage, is hopeless in the dating department. Madame Simone's mantra as a matchmaker in the most romantic city on the planet is "If you've got it, flaunt it."
"Another Woman's Husband": Laurel, a psychologist, has finally decided to confront her paralyzing fear of swimming and enrolls in lessons with Susan, a swim instructor at the community center. The two become fast friends as they share their dreams and secrets with each other, but they face the ultimate test in friendship when they discover they share something else: the same man.
"The Rendering": After being brutally attacked by a deranged stalker, artist Sarah Reynolds drew a perfect sketch of her assailant to put him behind bars.
"Taming Andrew": After her ex-husband kidnaps her young son, Andrew, Gail launches a desperate five-year search to find him. And when she finally gets him back, he's not the sweet child she remembers - it'll take every bit of courage, patience and strength for Gail and her family to come together again.
"The Haunting of Lisa": When a young child is murdered in a city park, the police find that the key to solving the gruesome crime may be nine-year-old Lisa Downey. Like her mother, Ellen, Lisa is blessed - and some say cursed - with haunting premonitions of looming dangerous events.
"Untamed Love": Caitlin, a troubled child with a violent past, has shuffled from one program to the next and is now on the verge of being admitted to an institution. But when she is temporarily placed in Maggie's classroom, she is finally given the chance to shine - and Maggie discovers that a sweet, smart child is waiting to be discovered.
"Just Ask My Children": Bakersfield, CA, 1982. Brenda and Scott Kniffen, parents of two boys, are handcuffed in their home and taken to jail on molestation charges. They're innocent and there's no solid evidence, so they're prepared for an open and shut case. But little did they know, they'd spend the next decade in jail as their children are shuffled from one foster home to another.
"Invisible Child": A devoted mother and wife, Annie Beeman has two children, but believes she has three. Her family pretends that five-year-old Maggie is real and cleverly manages to keep Annie's hallucinations under wraps until they hire a nanny, Gillian.
"Dangerous Evidence": Desperate to bring closure to the high-profile rape case of a Marine's wife, the military justice system convicted Lindsay Scott, who, despite no evidence against him, was charged with the crime. What they didn't know is that civil rights activist Lori Jackson would single-handedly lead a daring charge against them and free an innocent man.
"The Good Fight": When Tony, her son's best friend recently diagnosed with cancer, begs Grace Cragin (Christine Lahti) to take on a big tobacco company in his honor, she can't refuse the case. But she never could have predicted how dirty the game would become, nor how personal the fight for justice would get.
http://www.walmart.com/ip/10-Movie-Mega-Pack-Vol.-3-Full-Frame/1...
DVD Deals

Walmart Coupons
Valentine's Day (Widescreen) $4.00 @ www.walmart.com
Added on : Sunday February 02nd 2014 09:00:03 PM
g: 0 Posted By: jaymanthegreat
Views: 26 Replies: 0 Valentine's Day (Widescreen) $4.00
You Save: $10.99 (73%)
Movie Description:

"Sex & Mrs. X": Joanna Scott and Madame Simone are as different as night and day. Joanna, a reporter muddling through a divorce after ten years of marriage, is hopeless in the dating department. Madame Simone's mantra as a matchmaker in the most romantic city on the planet is "If you've got it, flaunt it." "Another Woman's Husband": Laurel, a psychologist, has finally decided to confront her paralyzing fear of swimming and enrolls in lessons with Susan, a swim instructor at the community center. The two become fast friends as they share their dreams and secrets with each other, but they face the ultimate test in friendship when they discover they share something else: the same man. "The Rendering": After being brutally attacked by a deranged stalker, artist Sarah Reynolds drew a perfect sketch of her assailant to put him behind bars. "Taming Andrew": After her ex-husband kidnaps her young son, Andrew, Gail launches a desperate five-year search to find him. And when she finally gets him back, he's not the sweet child she remembers - it'll take every bit of courage, patience and strength for Gail and her family to come together again. "The Haunting of Lisa": When a young child is murdered in a city park, the police find that the key to solving the gruesome crime may be nine-year-old Lisa Downey. Like her mother, Ellen, Lisa is blessed - and some say cursed - with haunting premonitions of looming dangerous events. "Untamed Love": Caitlin, a troubled child with a violent past, has shuffled from one program to the next and is now on the verge of being admitted to an institution. But when she is temporarily placed in Maggie's classroom, she is finally given the chance to shine - and Maggie discovers that a sweet, smart child is waiting to be discovered. "Just Ask My Children": Bakersfield, CA, 1982. Brenda and Scott Kniffen, parents of two boys, are handcuffed in their home and taken to jail on molestation charges. They're innocent and there's no solid evidence, so they're prepared for an open and shut case. But little did they know, they'd spend the next decade in jail as their children are shuffled from one foster home to another. "Invisible Child": A devoted mother and wife, Annie Beeman has two children, but believes she has three. Her family pretends that five-year-old Maggie is real and cleverly manages to keep Annie's hallucinations under wraps until they hire a nanny, Gillian. "Dangerous Evidence": Desperate to bring closure to the high-profile rape case of a Marine's wife, the military justice system convicted Lindsay Scott, who, despite no evidence against him, was charged with the crime. What they didn't know is that civil rights activist Lori Jackson would single-handedly lead a daring charge against them and free an innocent man. "The Good Fight": When Tony, her son's best friend recently diagnosed with cancer, begs Grace Cragin (Christine Lahti) to take on a big tobacco company in his honor, she can't refuse the case. But she never could have predicted how dirty the game would become, nor how personal the fight for justice would get.http://www.walmart.com/ip/10-Movie-Mega-Pack-Vol.-3-Full-Frame/1...
g: 0 Posted By: doctorofcredit
Views: 116 Replies: 4 Application link

Get approved for a new FlexPerks Travel Rewards Visa Card issued by U.S. Bank1between 1/31/14 and 3/7/14, and make a purchase by 3/31/14 and you couldearn bonus FlexPoints for every medal Team USA wins at the Sochi 2014 Olympic Winter Games, courtesy of Visa!PLUS!All bonus FlexPoints you earn are in addition to the 20,000 Enrollment Bonus FlexPoints youll get when you spend $3,500 within the first four months.2New FlexPerks Travel Rewards Visa Signature and FlexPerks Business Travel Rewards Visa card applicants who apply between January 31, 2014, and March 7, 2014, at any participating U.S. Bank branch location, by calling 24-hour banking or apply online at flexperks.com/visapromotion, and are approved for either the FlexPerks Travel Rewards Visa Signature or FlexPerks Business Travel Rewards Card and make a minimum of one Net Purchase by March 31, 2014, can earn Sochi Olympic Bonus FlexPoints. FlexPerks Select Rewards and FlexPerks Business Select Rewards Visa Card cardmembers do not qualify for the Sochi Olympic Bonus FlexPoints, nor do employees who are on the Business Owners FlexPerks Business Travel Rewards Account. The amount of the bonus will be determined based upon the results of the 2014 Sochi Olympics. For every Olympic event in which the United States Olympic Team wins a medal, bonus FlexPoints will be awarded (Gold = 500 Bonus FlexPoints, Silver = 250 Bonus FlexPoints, Bronze = 100 Bonus FlexPoints). The official medal count is available atwww.teamusa.org. The Sochi Olympic Bonus FlexPoints are in addition to the one-time enrollment bonus FlexPoints and are not contingent on meeting a spend threshold. Please allow 6-8 weeks after the promotion ends on March 31, 2014, for Sochi Olympic Bonus FlexPoints to be credited to your FlexPoints account. If any part or all of the 2014 Sochi Olympics is unable to take place as planned for any reason, the amount of the bonus will be based upon the results of the 2014 Sochi Olympics that takes place as planned, or if the 2014 Sochi Olympics does not take place as planned, no bonus will be awarded.Return to Text2Subject to credit approval. One-time 20,000 enrollment bonus FlexPoints will be awarded when you are approved for a new FlexPerks Travel Rewards Visa Signature Card or FlexPerks Business Travel Rewards Visa Card and Net Purchases (purchases minus returns and adjustments; cash advances or other account advances do not qualify) totaling $3,500 or more post to your account within four months of account opening. Applicants for the FlexPerks Travel Rewards Visa Signature Card who only qualify for and receive a FlexPerks Select Rewards Visa Card will be awarded 10,000 enrollment bonus FlexPoints after Net Purchases totaling $1,000 or more post to your account within four months of account opening. Enrollment bonus FlexPoints for the FlexPerks Business Travel Card will only be awarded to the business account owner and not to employees. Please allow 6-8 weeks for your enrollment bonus FlexPoints to be credited to your FlexPerks account. Existing and previous FlexPerks Travel and Select Rewards accounts do not qualify for bonus FlexPoints.Return to Text3U.S. Bank will credit your FlexPerks Travel Rewards Visa Signature account with FlexPoints as follows. Yearly award level: For net purchases (purchases minus credits and returns) less than or equal to $120,000, earn one FlexPoint for every $1. If during the calendar year net purchases exceed $120,000, all FlexPoints for the remainder of the calendar year are earned at a rate of one FlexPoint for every $2. Exemption: FlexPerks Travel Rewards Visa Signature AutoPay Cardmembers who select the full payment option on the first available payment date after their statement date. FlexPerks Select Rewards Visa cardmembers will earn one FlexPoint for every $2. FlexPoints will be awarded as long as your account is open and not 5 days or more past due at the close of your Visa billing period. We will not award FlexPoints for advances, convenience checks, balance transfers, interest charges and fees, credit insurance charges, or transactions to fund certain prepaid card products. We reserve the right to adjust the number of FlexPoints for purchases or to stop issuing FlexPoints for purchases on the account, upon notice to you. Refer to the FlexPerks Travel Rewards Visa Signature and FlexPerks Business Travel Rewards Cardmember Agreements for full details.Return to Text4FlexPerks Travel Rewards Visa Signature cardmembers may earn additional FlexPerks for purchases at merchant locations in one of the following consumer card categories: airline, gas or grocery (each, a category); and FlexPerks Business Travel Rewards Visa cardmembers may earn additional FlexPerks for purchases at merchant locations in one of the following business card categories: airline, gas or office supplies (each, a category). Cardmembers will earn FlexPoints at a rate of two FlexPoints for every $1 in the one category in any given monthly billing cycle that has the highest total of net purchases charged to the account (the highest category). In addition, FlexPerks Travel Rewards Visa Signature cardmembers will be awarded FlexPoints at the rate of two FlexPoints for every $1 in net purchases during the current months billing cycle for any merchant location that classifies itself as having telecommunication services/products. In all cases, U.S. Bank does not have the ability to control how a merchant chooses to classify their business and therefore reserves the right to determine which purchases qualify for additional FlexPoints.Return to Text5FlexPerks Travel Rewards Visa Signature and FlexPerks Business Travel Rewards Visa cardmembers will earn FlexPoints at a rate of three (3) FlexPoints per every $1 in Net Purchases and FlexPerks Select Rewards Visa cardmembers will earn FlexPoints at a rate of 1.5 FlexPoints per every $1 in Net Purchases during the current months billing cycle for any merchant location that classifies itself as a Charitable and Social Service Organization. U.S Bank does not have the ability to control how a merchant chooses to classify their business and therefore reserves the right to determine which purchases qualify for additional FlexPoints. Bonus FlexPoints will be awarded within 60 days of donation.Use of the FlexPerks Travel Rewards Visa Signature Card and FlexPerks Business Travel Rewards Visa Card is subject to the terms and conditions of the FlexPerks Travel Rewards Visa Signature and FlexPerks Business Travel Rewards Cardmember Agreements, which may be amended from time to time. This offer may not be combined with any other bonus offer. See complete credit card terms and conditions online at flexperks.com.
Deal Deals
g: 0 Posted By: orelsie
Views: 93 Replies: 0 I have a checking account with USBank and they were offering a good loan rate for a used car (1.9% APR). When I went in to sign the closing documents, it said "If you prepay the loan you (may/will not) have to pay a penalty." The box next to "may" was checked. On the front page of the loan note, it had a section about early loan closure. The box next to that section was not checked and the line specifying the early closure fee was blank.

When I asked about the prepayment penalty, I was given the runaround:

The bank employees told me since the box on page 1 wasn't checked and the lines weren't filled in, there was no prepayment penalty. I pointed out that was inconsistent with "may" being checked, and I was unwilling to sign a loan giving them a blank check for an undisclosed fee. They said they couldn't change the loan document, and I left, planning to call the branch manager the next day.
That evening, I called the loan department of USBank. The employee there told me company policy says there is always a prepayment penalty, ranging from $50-1% of the loan. He advised talking with the branch manager the next day.
The next day, I talked to the branch manager. At first, she agreed with her employees from the night before, saying that blank lines on page 1 meant there was no prepayment penalty. I told her I wanted it in writing. She called back 20 minutes later after talking to the underwriting department. They told her there is a glitch in the software that generates loan documents and the early closure fee was not being printed as it should be. They are aware of the issue but are only informing bank employees/branch managers on a need-to-know basis. They also said that everyone who signed a loan before the glitch was fixed would receive an addendum in the mail informing them of the prepayment penalty! I told her it was a completely unethical business practice, and if they could change that fee, what was stopping them from changing my APR or any other loan amount. She said she would talk to her manager and get back to me, but she also said she would not let anyone else sign a loan at her branch until this matter was corrected.

USBank is knowingly letting people sign loan documents that do not accurately represent the loan terms. They are not making a good faith effort to inform their employees about the issue so customers can be informed of the actual loan terms, and they intend to retroactively apply changes to the loan documents. Although this is dishonest and unethical, there is a section in the terms that says they have a right to correct "errors and omissions" in the document, so it's probably not technically illegal. Buyer beware.

I've attached some pictures. Sorry for the scribbling, I was trying to explain to the bank employees what I wanted them to change.
Personal Finance Deals
Free Kindle Book- The Prayer of the Lord (was $12.00) & other religious
Added on : Saturday February 01st 2014 03:00:02 AM
g: 0 Posted By: remick
Views: 3 Replies: 0 The Prayer of the Lord
http://www.amazon.com/Prayer-Lord-R-C-Sproul-ebook/dp/B002AS9QWS

4.8 out of 5 stars (18 customer reviews)

What is the Lord s Prayer? In The Prayer of the Lord, Dr. R. C. Sproul writes, Jesus intent was to give His disciples a model prayer, an example to follow, one that would teach them transferrable principles for conversation with God. In short, Christ gave the Lord s Prayer to teach His disciples about prayer, and Dr. Sproul, in his trademark fashion, brings out many of the truths Christ intended for His followers to learn. Readers will learn how not to pray, then will be led into a deeper understanding of such topics as the fatherhood of God, the kingdom of God, the will of God, the nature of sin and forgiveness, the dangers of temptation, and the cunning of Satan. The final chapter includes questions and answers on various aspects of prayer not covered elsewhere in the book, and the appendix addresses the difficult question of the relationship of God s sovereignty and prayer. The Prayer of the Lord is an eye-opening journey, one that reveals new vistas in familiar terrain.


Elijah
http://www.amazon.com/Elijah-William-H-Stephens-ebook/dp/B0020HR...

4.6 out of 5 stars (10 customer reviews)

A sweeping saga of one fearless man of God facing a decaying nation, a sadistic queen and a totally sensual religion. This magnificent story vividly portrays the heroic adventures of the prophet Elijah as, alone, he confronts Queen Jezebel in her malicious scheme to supplant the worship of Jehovah with the sensuous fertility cult of Baal.
Here is an ingenious blend of authentic Bible history and imagination stemming from years of research. Elijah . . . Jezebel . . . Ahabnames charged with electric emotion! In this brilliant historical novel names become flesh and blood people transformed into haunting, explosive reality. The reader lives with them in the terrible presence of frenzied, demonic priests and enslaved devotees of Baaland, all alone, Gods servant Elijah turns the tide of Jewish history! After you have read The Mantle you will never again be the same!



DEVOTIONAL CATALYST Inspiration For Busy Christians
http://www.amazon.com/DEVOTIONAL-CATALYST-Inspiration-Busy-Chris...

4.9 out of 5 stars (9 customer reviews)

This 40-day devotional brings a refreshing approach to assisting busy people to connect with God.
Taking his inspiration from the rich imagery of the scriptures, Gary highlights creative ways of expressing the grace of God in everyday life.
As he notes in day 7, Putting on Christ is not a cover-up for what you really are; it is a whole new outfit to wear, signifying your new standing before God. A key point of difference of this study is the focus placed on the resources and provisions given to empower us to express our new identity in Christ.
Through these meditations the illusion of distance from God is dealt with, a deeper understanding of what has been done through Christ is realised, and we will be better equipped to face opposition and difficulties. A passion and excitement for Christian spirituality can be rekindled, as well as a deeper appreciation for God and his eternal purposes.
Most of these reflections on relationship with God also have additional Bible references to help in understanding these often-neglected but powerful expressions of salvation and faith.


St. Francis of Assisi
http://www.amazon.com/St-Francis-Assisi-Eric-Engel-ebook/dp/B00B...

4.8 out of 5 stars (5 customer reviews)

The early life of St. Francis of Assisi put into a powerful, compelling novel.
Francis of Assisi had lived as a rich merchant, a youthful playboy, a trained soldier, an imprisoned POW, and a lowly beggar. Throughout all of this, God was gently steering him toward his real vocation--a humble saint. Journey with him as he discovers his true calling and overcomes the endless obstacles that seem to trip him up on this incredible adventure.



g: 0 Posted By: maca
Views: 36 Replies: 0 Hi Everyone,

I'm currently in a dilemma and I just want to see what others thought out there. I had a case of bad timing where I had verbally accepted an offer from a company thinking that my top choice didn't want me due to them not getting back to me in a short timeframe. As it turns out they were still interested and so I continued to talk to them and emphasized to them that I had already accepted a competing offer and that if they really want me, they need to make their decision quick before I join the first company. (I did not tell the first company since I had already given notice to my current job at the time and I can't afford to be without a job if the 2nd company ends up not extending an offer.) Unfortunately, the 2nd company wasn't able to move faster enough in their decision and am now just starting to put together an offer after I have already worked 2 weeks. Now, I'm not sure what to do. The 2nd company was my top choice and if I had gotten the offer at the same time, I would definitely take the 2nd one. I'm worried about what this might do to my reputation if I were to just leave in such a short period of time especially since I'm in management and so a lot of things are about trust. This is in the technology sector, if that matters. Company #1 is large, stable, and well-known in it's industry. Company #2 is gigantic and has a reputation all over the world.
BBVA Feb Promo For Businesses - Get a Tab 3 and No DD Requirement!
Added on : Friday January 31st 2014 01:00:06 PM
g: 0 Posted By: forbin4040
Views: 99 Replies: 0 As before as 1/31 ends the Kindle promo, the new promo is a Samsung Galaxy Tab 3 with NO Direct Deposit Requirement
Must be a 'Business Account'
Expires 2/28

http://www.bbvacompass.com/special/201312/samsung/

Please review the following information to understand how to qualify for the Samsung Galaxy Tab 3. BBVA COMPASS CLEARCONNECT FOR BUSINESS AND BBVA COMPASS CLEARCHOICE FOR BUSINESS CHECKING: New small business customers may be eligible to receive a new account bonus of a Samsung Galaxy Tab 3 7.0-inch (Wi-Fi) (the bonus). To qualify for the bonus: (1) Open a new BBVA Compass ClearConnect for Business checking account or BBVA Compass ClearChoice for Business checking account between 1/13/2014 and 2/28/14, AND (2) Make ten (10) customer initiated monetary transactions of at least $25 each (other than account transfers) during each of the first two thirty (30) day periods after account opening. Accountholder must make ten (10) qualifying transactions from the new checking account during the first thirty (30) day period after account opening and another ten (10) qualifying transactions from the new checking account during the second thirty (30) day period after account opening. Within ninety (90) days of meeting these requirements, your bonus will be shipped via UPS to the address registered by the branch at account opening. Address for shipping must be a U.S. address. Signature will be required at time of delivery. Galaxy Tablet is a trademark of Samsung. Galaxy Tablets are given away on behalf of BBVA Compass. Samsung is not a sponsor of nor affiliated with this promotion. Offer valid only for new small business checking customers with no existing or prior BBVA Compass business checking accounts of any type. BBVA Compass employees, relatives, and household members are not eligible. Only one bonus per eligible business household. Accounts must be open and in good standing at the time bonus is mailed. Offer is subject to change without notice. Offer only available while supplies last. BBVA Compass may report the value of funds earned through this offer to the IRS as required by law.
Deal Deals
Cord Blood Storage Services/Finance
Added on : Thursday January 30th 2014 07:00:08 AM
g: 0 Posted By: thepunkrat
Views: 94 Replies: 3 Hi Everyone,

I am having my first baby this year have been fortunate enough to have one during the time where stem cells exist in normal procedures where it can cure current incurable diseases such as Alzheimer, arthritis, and birth defects such as autism or Sickle cells and even certain cancers.

With this in mind, it is almost a given now to save the umbilical cord and its blood for insurance for my baby's future.
I called my insurance company High Mark Blue Shield and they told me that they do not know if the procedure to extract and process the cord blood and that it may or may not be eligible for preventive care. They did however mention that CordCell is partnered with them and have a discount of $350 if I have High Mark.

Then I looked into an FSA or HSA account and the guidelines were specific in which it is only reimbursable if the cord blood or the cord tissue is going to be used for a known disease or treatment in the future. I don't know how anyone would know unless the baby was tested before being born. And tests before being born as I was told is very risky to the baby.


My question is, out of your own experience, who did you ultimately go with, are you happy with their services and what were your methods of financing this?

Any information is much appreciated.
General Economics Deals
g: 0 Posted By: scottxmso
Views: 40 Replies: 0 Long ago, I opened my Paypal account before I even had a driver's license. Of course, having registered while I was a minor is against Paypal's terms forbidding users under 18. However, I was never caught as an underage user, and continue to use the same Paypal/eBay accounts to this day. I'm not even sure if this is still possible today, given all of the regulation and such regarding identity verification on online payment services.

But recently, I failed approval to get a PayPal debit card (the MasterCard that will allow you to withdraw/spend your PayPal balance) and PayPal decided to "limit" my account until I give them sufficient proof of identity. This was likely the result of a mixup between names (between my first name name and middle/given name, which I accidentally chose as "first name" on PayPal.) And the necessary outcome of this seems to be that I need to change my name, which requires lots of documentation. Not surprising, though. (Interestingly I had such a card before I was 18 too, but I later canceled it due to non-use. AML procedures and such must be tougher now.)

And the only thing I'm "limited" from doing is actually closing the account; it lists virtually everything else I can do on Paypal as not part of being "limited". Really, I had hoped that I would avoid giving this kind of extensive documentation to PayPal, but at this point it seems kind of inevitable. I've sent 4-5 documents already, but they are asking specifically for photo ID with date of birth.

Of course, giving proof of DOB will give away that my account was registered a while before I turned 18, although I'm an adult now. Is this something that they care about, or do they just want proof of identity information to meet AML requirements and the like? I can see how they'd note that I violated the TOS there if I was a minor, but I'm not sure if Paypal customer service is so pedantic that they'd go back and suspend my account for something I did many years ago. Of course, it's not unheard of to cut off customers completely just because an algorithm predicted that you were a high risk. Is it likely that Paypal would shut down my account if they find out I opened it well before my 18th birthday? My eBay and PayPal reputation have both been very good the whole time, with only a couple eBay negatives and a handful of Paypal disputes (for probably 1000+ transactions on PayPal)...so I have caused little trouble.

This situation was probably going to come sooner or later. Sure, maybe I would have done things differently with PayPal when I was a kid. But I wouldn't be surprised if many of the other younger folks in this forum had PayPal accounts open before they turned 18 too. I just want to figure out the best way to deal with this. And if sending an ID with DOB should be okay even though it shows that I registered as a minor, then that's the way I will probably go about this.

Thanks!
Question Deals
Romano's Macaroni Grill $10 Off $30 Online Orders Code (Expires 2/2/14?)
Added on : Wednesday January 29th 2014 03:00:04 PM
g: 1 Posted By: vinster
Views: 128 Replies: 0 Use promo code 176 on online orders to get $10 off $30. The expiration date is not given but this has to do with the Super Bowl so I think it's 2/2/14.

The code is working right now.

http://macaronigrill.fbmta.com/members/ViewMailing.aspx?MailingI...

Restaurants & Entertainment Deals
g: 0 Posted By: slervik
Views: 237 Replies: 0 Amazon has Covergirl Products on sale right now!

Mascara'sStarting at $2.10

Eyeliner'sStarting at $1.51

Eyeshadow'sStarting at $1.28

This is a pretty good deal for this brand. I usually only wear CoverGirl, given a few exceptions, and for the Last Blast 24-Hour Mascara, at Woodman's, even with a coupon, I'm spending $7 on mascara, it's only $4.04 on Amazon.

Oh! And some of the makeup products on the search page aren't Subscribe & Save, even though I categorized it. So, make sure it's Subscribe & Save before you click it so you can get that extra saving and free shipping.

You must have Subscribe & Save for free shipping in order to avoid the $35 shipping requirement. You may cancel Subscribe & Save anytime after your order ships.
Beauty Deals

Amazon Coupons
Free National Park Mailing Labels
Added on : Monday January 27th 2014 04:00:07 PM
g: 0 Posted By: attaallah
Views: 0 Replies: 0 Free National Park Mailing Labels

http://www.nationalparks.org/connect/request-your-national-park-...

Request your address labels as our gift to you. They'll remind you of the beautiful national park legacy given to us by past generations and inspire you to support our work to ensure we can pass that legacy on, healthy and strong, to the generations to come.LIMITED TIME OFFER: Request your mailing labels by Friday, January 31!Please enter the name and address to use on your personalized labels. Your labels will be mailed to this address in the next 3-4 weeks. Labels are only available for addresses in the United States.
g: 0 Posted By: idfubar
Views: 205 Replies: 0 RingPlus (Sprint MVNO) has announced a new plan ("Kate" - $1.99/mo.) which will be available on 2/10 @ 8AM PST:

50 domestic minutes
10 domestic & international SMS

Although many FW members probably have something suitable for their needs it's worth noting that (given the time/effort involved with moving a CDMA phone from one carrier to another and the way in which some of the MVNOs come and go) RingPlus does offer free plans from time to time... Telna and LycaMobile are GSM solutions and Ting seems to be more compelling only given heavier usage across more devices...

PS: The two most helpful threads for details on low-price mobile plans on FW in the last couple of years are (IMHO):

http://www.fullofdeals.com/forums/deal-discussion/1222004/
http://www.fullofdeals.com/forums/deal-discussion/1130399/
Cell Phones Deals

Sprint Coupons
BBVA Bank Open Account get Free Kindle Fire 7" HD
Added on : Monday January 27th 2014 08:00:11 AM
g: 1 Posted By: forbin4040
Views: 151 Replies: 1 Of course BBVA has been having these types of specials all year (The Samsung Galaxy Tab 3 was notable) but I didn't see a current one posted.

But you are nearby to one

Kindle Fire HD 7" (Last Years Model) 8gb
1 DD of $300 or more
3 Online Payments of at least $50.
New Customers only.

And Yes they will run your credit and yes they will 1099 you.

http://www.bbvacompass.com/special/201401/kindle/

Offer is valid only for consumers who have not had a BBVA Compass consumer checking account within the last 90 days. Customers who open an Easy Checking account are eligible for this offer. NBA Checking and ClearConnect Checking accounts are not eligible. Checking accounts subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. A qualifying bill payment is one that you schedule through your BBVA Compass Online or Mobile Banking profile and is paid by the deadline. Person-to-person (Pay People) payments and wire transfers do not qualify. Once the required activities have been completed, the 7 8GB Kindle Fire HD will be shipped via courier within 60 days to the checking account statement address. Signature will be required at the time of delivery. The account must remain open and be in good standing at the time the bonus is shipped. BBVA Compass employees and household members are not eligible. There is a maximum of one (1) bonus per household. BBVA Compass may report the value of the Kindle Fire HD to the IRS as required by law. Kindle, Kindle Fire, Amazon, and the Amazon Kindle logo are trademarks of Amazon.com, Inc. or its affiliates. Kindle devices are given away on behalf of BBVA Compass. Amazon is not a sponsor of this promotion. Other limitations may apply.BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC.
Deal Deals
GF's Insurance gone & pregnant - what are options? (lapse in coverage)
Added on : Monday January 27th 2014 07:00:16 AM
g: 0 Posted By: Muscle
Views: 0 Replies: 0 I'll try to keep this short. My (now 6 month pregnant) GF graduated college this past December. She was incorrectly told that her college insurance would continue until June of this year, but today found out this morning that it in fact expired almost 2 weeks ago. So, she's without insurance at all. She's working part time in the service industry but that's going to come to a halt soon as the pregnancy progresses.

We've been exploring options since we found out this morning, but I need to know what I can do ASAP.

She's applying right now to see if she's eligible for Medicaid, but after a phone call with them they said it would take a packet in the mail, followed by her filling it out, sending it in, receiving another packet with healthcare options, and sending that in. All in all this could take 1-2 months, so what can be done in the interim? She's can't go 2 months without insurance. Looking at options through the ACA website too.

As for me, I'm on personal health insurance through Anthem, so maybe I can add her on there if that's quicker? Will she get covered for pregnancy expenses as this is a 'pre-existing condition'?

I'm just trying to figure out options on how to get her covered ASAP as we have other baby appointments coming up and because, well, it's dumb to go without insurance. Literally just found out this morning that we were given incorrect information about her school's insurance duration.

Lastly, will any of these applications retroactively pay for appointments or other issues that come up prior to actual coverage? I thought I read somewhere some places will back-pay up to 3 months or so. My biggest concern is the lapse in coverage.

Thanks for any help. Somewhat panicking right now.
g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/When-Your-Husband-Addicted-Pornography-ebo...

4.7 out of 5 stars (28 customer reviews)

When your husband's addiction to pornography leaves you shattered, betrayed, and alone, where do you turn? Who do you turn to? Vicki Tiede, writing from personal experience, gently guides women toward God and away from despair. Through daily readings and questions on six important topics: hope, surrender, trust, identity, brokenness, and forgiveness, you will grow in healing and hope.
HSBC Restricts Large Cash Withdrawals
Added on : Sunday January 26th 2014 04:00:08 AM
g: 0 Posted By: elptrainerny
Views: 39 Replies: 0 "Some HSBC customers have been prevented from withdrawing large amounts of cash because they could not provide evidence of why they wanted it, the BBC has learnt.Listeners have told Radio 4's Money Box they were stopped from withdrawing amounts ranging from 5,000 to 10,000.HSBC admitted it has not informed customers of the change in policy, which was implemented in November.The bank says it has now changed its guidance to staff.New rulesStephen Cotton went to his local HSBC branch this month to withdraw 7,000 from his instant access savings account to pay back a loan from his mother.A year before, he had withdrawn a larger sum in cash from HSBC without a problem.But this time it was different, as he told Money Box: "When we presented them with the withdrawal slip, they declined to give us the money because we could not provide them with a satisfactory explanation for what the money was for. They wanted a letter from the person involved."Mr Cotton says the staff refused to tell him how much he could have: "So I wrote out a few slips. I said, 'Can I have 5,000?' They said no. I said, 'Can I have 4,000?' They said no. And then I wrote one out for 3,000 and they said, 'OK, we'll give you that.' "He asked if he could return later that day to withdraw another 3,000, but he was told he could not do the same thing twice in one day.HSBC customer letterHe wrote to complain to HSBC about the new rules and also that he had not been informed of any change.The bank said it did not have to tell him. "As this was not a change to the Terms and Conditions of your bank account, we had no need to pre-notify customers of the change," HSBC wrote. Frustrated customersMr Cotton cannot understand HSBC's attitude: "I've been banking in that bank for 28 years. They all know me in there. You shouldn't have to explain to your bank why you want that money. It's not theirs, it's yours."Peter from Wiltshire, who wanted his surname withheld, had a similar experience.He wanted to take out 10 000 cash from HSBC, some to pay to his sons and some to fund his long-haul travel plans.Peter phoned up the day before to give HSBC notice and everything seemed to be fine.The next day he got a call from his local branch asking him to pay his sons via a bank payment and to provide booking receipts for his holidays. Peter did not have any booking receipts to show.The following day he spoke to HSBC again and this time, having examined his account, it said he could withdraw the 10,000.Belinda Bell is another customer who was initially denied her cash, in her case to pay her builder. She told Money Box she had to provide the builder's quote. Customer protectionHSBC has said that following customer feedback, it was changing its policy: "We ask our customers about the purpose of large cash withdrawals when they are unusual and out of keeping with the normal running of their account. Since last November, in some instances we may have also asked these customers to show us evidence of what the cash is required for.""The reason being we have an obligation to protect our customers, and to minimise the opportunity for financial crime. However, following feedback, we are immediately updating guidance to our customer facing staff to reiterate that it is not mandatory for customers to provide documentary evidence for large cash withdrawals, and on its own, failure to show evidence is not a reason to refuse a withdrawal. We are writing to apologise to any customer who has been given incorrect information and inconvenienced."
In a sense your money becomes pocket money and the bank becomes your parent
Money Box asked other banks what their policy is on large cash withdrawals.They all said they reserved the right to ask questions about large cash withdrawals.But none of them said they would require evidence of what the money was being used for before paying out.Douglas Carswell, the Conservative MP for Clacton, is alarmed by the new HSBC policy: "All these regulations which have been imposed on banks allow enormous interpretation. It basically infantilises the customer. In a sense your money becomes pocket money and the bank becomes your parent."t.""

From:
http://www.bbc.co.uk/news/business-25861717
Also http://www.mirror.co.uk/news/uk-news/hsbc-under-fire-after-stopp...
Personal Finance Deals
g: 1 Posted By: chirravu
Views: 360 Replies: 1 Roku 3 Streaming Media Player Bundle w/ HDMI Cable, Hulu+ and Angry Birds Space Game
http://www.samsclub.com/sams/roku-3-streaming-player/prod10720108.ip

Bought this deal at Grapevine, TX store (did not see on shelf, but the rep bought one "new" from inside the cage). Guessing this is clearance priced, and not available online/every-store
If you find it, grab it at $67.71 plus tax

Roku 3 has Youtube, and ESPN3 and WatchESPNcapabilities (worth it for me, given UVerse Internet connection with eligible ESPN3)
Electronics Deals

Sams Club Coupons
Laid off and waiting for back pay in NYC
Added on : Tuesday January 21st 2014 01:00:04 AM
g: 0 Posted By: diggity1226
Views: 46 Replies: 0 Sister in-law was laid off on Friday, well she was given an option to stay if they took away $10,000 from her already low yearly salary of somewhere in the 40s. She declined since they are not up to date on pay. I told her to file for unemployment but she just told me yesterday that she might not be able to since they didn't pay her the rest of her money yet. They gave her checks that dates all the way till March. Is this legal? Can she get unemployment if she is still getting income even though it is back pay? Any help would be appreciated!
Question Deals
Lowes Big Savings on the Stuff You Love... or Not...
Added on : Monday January 20th 2014 08:00:03 PM
g: 0 Posted By: sc69
Views: 106 Replies: 0 Email newsletter I got calls for a 'Clearance Sale'. Good for while supplies last... Hah!

Clearance Items

So far the only thing I was interested in was...

Edsal 72-in H x 36-in W x 18-in D 5-Tier Steel Freestanding Shelving Unit @ $59.97, reg. $69.98.

So as a comparison I tried to check around and on Home Depot and came up with this slight conundrum, which I think I've figured out, but if anyone knows of other differences please post them....

Can anyone tell me the difference between the these two Edsal units as sold by Home Depot and in other stores as well...

Best I can tell they match in all given specs including load capacity, etc. Both appear to have the 'shaped' horizontal members which add strength and a ledge for the shelving to sit recessed for the top to be flush with the member. There is some difference in description of the structural design, but bottom line is they hold the same, look that same, and I can't see ANY difference in the 'construction' of the steel members.

Edsal 36 in. W x 18 in. D x 72 in. H Steel Commercial Shelving Unit @ $56.99

Edsal 36 in. W x 72 in. H x 18 in. D Steel Commercial Shelving Unit @ $66.97

The ONLY difference I can ascertain is that this one for $66.97 shows "5 steel shelves with wood grain particle board have a durable black enamel finish". At first reading the part '5 steel shelves' had me thinking, 'Oh that's it the shelves are steel'... but then it goes on to clearly state they're wood grain particle board [ which FWIW isn't exactly a valid 'engineering / technical' description, since particle board by definition has NO 'real' grain per se ]. A closer look at the pics does in fact appear to show the shelving for this unit to be black. IS THAT IT... for an extra $10 one gets they shelves painted fer 'um...


Which bring us to the Lowes comparison. Lowes picture appears to show the unfinished shelving so I presume it's to be compared to the first HD unit listed above at $56.99 so no savings there, and I'd just as soon go through HD anyway.


Which bring us to the Lowes comparison. Lowes picture appears to show the unfinished shelving so I presume it's to be compared to the first HD unit listed above at $56.99 so no savings there, and I'd just as soon go through HD anyway.

Will check out other stuff when I get a chance... the damn editor on this forum has screwed with me nuff tonight and wasted more time than I can afford to get much else done... so there ya have it... for now...

Steve

-- Sent from unknown location faraway in a land outside the box.
g: 0 Posted By: remick
Views: 238 Replies: 0 http://www.amazon.com/dp/B00B85AD7G

from Publishers Weekly
Convicted serial bank robber Cooper steals the show in the road to redemption genre for 2009 with this gripping narrative about his slide from petty theft to hostage-taking bank heists. Shot down mid-robbery, captured and sentenced in 1982 to 99 years, the author takes readers into the prison with grotesque scenes of predators and brutality. In prison, Cooper reflects on the double life that led to his incarceration; he worked for a Christian college, but also robbed banks to medicate the loss of his wife. Finding freedom, even in lock down, and forgiveness for his crimes, including his disregard for God and his stepson, becomes a quest that will have readers hanging on till the end of this surprisingly well-narrated book. The power of God's love and of prayer for enemies leads to the transformation of an entire cell block from heinous rape and sex games to a place of peace and love of neighbor. This new voice will be a runaway favorite for fans of the redemption narrative. (Aug.)
Books Deals

Amazon Coupons
Kids' Winter Animal Hats - $5.99 w/ FS @ Tanga
Added on : Monday January 20th 2014 06:00:07 AM
g: 0 Posted By: ksenn
Views: 79 Replies: 0 Tanga has Kids' Winter Animal Hatsfor $5.99 with free shipping. Available in Deer, Rooster, Penguin, Zebra, Pig or Dog. 100% acrylic, no sizes/measurements given. Really cute, and makes your kid easier to spot at a distance.
I need an advice regarding to future career....
Added on : Friday January 17th 2014 11:00:09 AM
g: 0 Posted By: sang614
Views: 236 Replies: 7 Here is a little bit of info of myself:

Age: 25, male, single
Occupation: Doing M.A in Accounting, B.Aed in Economics
Student debt: 20k currently

I was talking to my dad about my future career: he advised me to move to metropolitan city NOT because of higher salary, but because of MORE opportunity to climb up the corporate ladder and smoother career change if I ever wanted to do so. But here is the problem: our school is geared specifically for working with state government. Our main program for graduate is to Co-op, where you work part-time for state government while finishing up my degree, which roughly translate into smoother process for me to work for state government (probably much more stability, too). Granted, the paygrade may be lower than that of average market, but housing is very affordable near my area given that here is middle of nowhere. I also see some of my friends who work for regional big 4 firms in rural states like Iowa- they seem to be content with their life. But then again, I guess it is true that I can move to metropolitan area easily as I don't have a family yet.

Here is my question to you, finance gurus.

If you ever go back to your 20s and have an option to move around, where would you choose- metropolitan or rural area?

Which option do you think it is morepreferable in my situation- job security or opportunity?

If you have ANY advice you could give to this youngster, please, feel free to share with me.

TL;DR: A student in 20s would like to know which geographic would be more preferable for advancing/jumpstarting his career- rural or metropolitan?
Personal Finance Deals
g: 0 Posted By: rasheedb
Views: 171 Replies: 0 I have a $15 off $50 on my AmEx Offers For You (online site only) for 1800Flowers.com. I have not seen it on FB Sync or Twitter, but if shows up there, I will add the hashtag info. This coupon is valid in the family of companies, but I will focus on fresh flowers for this thread.

$15 back 1800Flowers.com SERVICES // Spend $50, get $15 back EXPIRES 02/28/2014
First, make sure you add this offer to your card first before looking for items to purchase. There is typically a limit of how many cardholders can sign-up for a given offer. Link: http://www.amexoffers.com/

You should also know that buying flowers locally for this particular day is best. I have a lot of experience with online florists and you can read one of the previous epic threadon deals with ProFlowers and what happens in this 'compressed' schedule andreally cold season + flowers = not so goodresults. While I am not planning to use PF (especially when their AmEx deals expires too early), I know that sometimes folks need to use online order options for many reasons. 1800Flowers.com does offer local florist (via BloomNet) choices although they will be smaller and less options due to additional labor and delivery costs.

Note, so far, I have not found any unique pricing URLs for the same product like ProFlowers and FTD does all the time. Also, very important, this deal DOES NOT require using a special URL with inflatedprices for the purchase (like the FTD AmEx "deal"). Also, there is no added handling fees beyond the shipping like other sites!

There is also currently a 25% off coupon code on certain Valentine's Day flower bundles - EARLYVDAY25. Here is a linkto all qualifying flower choices. It includes both boxes and local florist options. I do not know when the coupon expire, but probably sometime this month.

In most states, taxes apply. And there are definitely significant delivery charges. Remember, your total after shipping/taxes/discount needs to be $50 or higher. Excluding taxes and before any discount, you are looking for an item with a base price of $41 or higher approximately, but you need to check your totals.

Delivery notes: Delivery is always such a problematic issue with boxed flowers. For most of the choices, you will pay either $13.99 or $14.99 for each choice. This is calculated on the pre-discount cost. Further, there is currently a surcharge of $5 for scheduled Friday 2/14 deliveries. My suggestion is to pick 2/14 and then select Flexible (Friday Preferred, Thursday Acceptable) on the pop-up after you pick the date on the calendar to avoid the surcharge. Be very careful about office deliveries as the delivery window is until 7pm.

Here are some arrangements to consider, split between boxed flowers and local florist:

Spray Flowers (Shipped in a Gift Box - boxed flowers)
Item# 1000678
50 flowers with ginger vase: $44.99 (-25% EARLYVDAY25 $11.25) (+standard shipping $14.99)= $48.73 before taxes. If you do not have taxes, you need to pick a $49.99 item!
100 flowers only: $49.99 (-25% EARLYVDAY25 $12.50) (+standard shipping $14.99) = $52.48 before taxes ($37.48 after AmEx offer)

Lavender Dreams (local BloomNet florist delivery)
Item# 90228
Small (look at the revised picture before buying!) $44.99 (-25% EARLYVDAY25 $11.25) (+standard shipping $14.99) = $48.73 before taxes. If you do not have taxes, you need to pick at least the$54.99 item!
Medium $54.99 (-25% EARLYVDAY25 $13.75) (+standard shipping $14.99) = $56.23 before taxes ($41.23 after AmEx offer)

If you are looking for non-flowers options (buy locally, etc.), but still like the delivery surprise, consider my Wine Country Gift Basketsdeal with AmEx Offers.

Rasheed

CashBack Options. Unfortunately, this is YMMV because the coupon code (not the AmEx part) is not considered an approved code for affiliate payment (CashBack). This may change, but please take that warning. FW CB at 9% is pretty decent. Shop Discover is at 20%, but aside from the code issue, they may enforce the payment type there. YMMV! YMMV!
g: 0 Posted By: rasheedb
Views: 174 Replies: 0 I have a $10 off $39 on my AmEx Offers For You (online site only) for Wine Country Gift Baskets. I have not seen it on FB Sync or Twitter, but if shows up there, I will add the hashtag info.

Wine Country Gift Baskets RETAIL//Spend $39, get $10 back EXPIRES02/14/2014
*This merchant does not have affiliate programs. No CashBack options.*

First, make sure you add this offer to your card first before looking for items to purchase. There is typically a limit of how many cardholders can sign-up for a given offer. Link: http://www.amexoffers.com/

5% coupon code (verified): 3862110. Make sure your after coupon/tax total is $39 or higher!

Note, there is currently no extra shipping costs for 2/14 planned delivery. Items will ship based on scheduled shipping time to delivery date.

Here are some items to consider for this promo (base price + usual shipping cost):

Chocolate and Snack Assortment - Item No. 610($29.96 + $9.95 - coupon code may bring you below AmEx minimum)
Sundae Special - Item No. 186($37.46 + $10.95 - coupon code safe)
Golden Surprise - Item No. 231($35.96 + $9.95 - coupon code safe)
The Connoisseur - Item No.517($39.96 +$0 - coupon code may bring you below AmEx minimum)
Tower of Elegance - Item No. 187($35.16 + $9.95 - coupon code safe)
Deluxe Cut Above - Item No. 563($34.97 + $9.95 - coupon code safe) (limited time offer)
Godiva Valentine Tower - Item No.447($49.95 +$0 - coupon code safe)

Enjoy.

Rasheed





Wine Deals

American Express Consumer Coupons
What has happened to FWF?
Added on : Thursday January 16th 2014 06:00:13 PM
g: 1 Posted By: dmlavigne1
Views: 82 Replies: 0 I have to say that the overall quality of posts has fallen in recent years. I used to think FWF was a great place to get churn/interest/arbitrage/investment advice, but lately it seems to be just a place to repost from other forums and to ask for basic finance/car accident advice. As an avid FWF poster, and thread starter (when I think it can fatten the wallets of others) I am disappointed in the overall threads. About 1 out of 100 is useful and 1 out of 10 is entertaining and gets green, the majority of the posts do not pass any sort of "does this fatten the wallets of anyone more than me?" My finger hurts from the "ignore" just based on the title. The mods do not put a stop to this non-sense and thus produces pages and pages of crap.

For the old timers (you know who you are), where do you go to get your advice? Is this it? Have you given up? Please PM me.

I am looking for thoughts/whatever on finance. My last 10 topics (which I hope inspire a bit more than the percentages above) are listed here:
http://www.fullofdeals.com/forums/finance/1303851/
http://www.fullofdeals.com/forums/finance/1324318/
http://www.fullofdeals.com/forums/finance/1332764/
http://www.fullofdeals.com/forums/finance/1295173/
http://www.fullofdeals.com/forums/finance/1286965/
http://www.fullofdeals.com/forums/finance/1258284/
http://www.fullofdeals.com/forums/finance/1249363/
http://www.fullofdeals.com/forums/finance/1180232/



Discussion Deals
Another Targeted Ebay Coupon -- 10% off electronics, YMMV
Added on : Thursday January 16th 2014 02:00:05 AM
g: 0 Posted By: scratch33
Views: 192 Replies: 0 Found this on my Bids/Offers page, not in messages. Probably will NOT work unless they've given you the coupon.

10% off your purchase of $50.00 or more in Cameras & Photo, Cell Phones & Accessories, Computers/Tablets & Networking, Consumer Electronics, Video Games & Consoles up to $100.00 off.
Redemption code: CHAMPION Expires 01/17/14

Electronics Deals

eBay Coupons
First time home buyer/Morgaage questions
Added on : Wednesday January 15th 2014 06:00:17 AM
g: 0 Posted By: NewAtFinance
Views: 96 Replies: 0 Hi everyone, here is my situation:

25k in checking account
40k in house account
53k in Retirement
Age 27
116k yearly salary
No Debts
Credit Score around 780

Wife:
Lots of student loans
62k salary
~5k in CC dept, working to help her budget better
4k in the bank
No other debt
640 credit score

The first question is, will getting a mortgage with my wife hurt at all given her low credit score and her debts? Credit Karma says if she pays off the card, it will go up. I think she should be able to do this within the next 2 months based on the budget we have her on. Credit karma says she has paid on time about 99.9% of the time. I think the low credit score is mostly because of high utilization, lack of history, and lack of credit.

Is it worth touching my retirement for a house? This will be in the Boston market. Right now we live on the subway, so a ~1000 sq Condo within walking distance to the subway is between 350-400k. We are considering moving out of the suburbs, which would get us almost double the amount of inside space for another 50-100k. I am wondering if its worth touching any of that money to get something nicer.
Personal Finance Deals
Free Kindle Book- Money Saving Tips For the Underachiever
Added on : Tuesday January 14th 2014 07:00:08 AM
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/dp/B00H3T562I/

4.8 out of 5 stars (31 customer reviews)

#2 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Financial Planning
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Budgeting

In this book readers are given simple suggestions on how to either put money back into their pockets or prevent money from fleeing in the first place. The author speaks from the experience of being a former haphazard spender to developing a disciplined frugal mind by using strategy and creativity to save money. This book is ideal for people who never took, or had time to educate themselves on how to maintain a frugal lifestyle while not cutting into their couch time. The underachievers.

No mistaking, this book isn't just for the underachievers, it contains numerous money saving tips and strategies that everyone can benefit from. This isn't just a book, it's a reference manual that you can continually refer back to for guidance and motivation. I promise that If you follow and execute any of these simple steps, you will start seeing savings immediately. I put my name on it.

5 Important Tips You'll Learn In This Book:
Creative strategies that when implemented will save you thousands of dollars. GUARANTEED!
You will learn to properly automate your bill payments and a lot of your monotonous shopping needs without ever having to leave your couch.
I will show you how I saved over $20,000 a year just by improving the way I shop and paid for my entertainment. You will learn to do the same thing.
I will show why everyone should have credit cards and how to make them make you money without the threat of interest charges.
I will show you how frugality is more than just saving as much money as you can. Frugality is a mentality that when perfected will change your view of life in general. You will learn that what you thought you really wanted, you do not need. The difference between needs and wants is what the frugal person is exceptional at identifying.
Totally Free Deals
New Year's Eve (DVD) - $4.19 w/ FS @ WBShop
Added on : Tuesday January 14th 2014 05:00:07 AM
g: 0 Posted By: slervik
Views: 60 Replies: 0 WBShop has the New Year's Eve (DVD) on sale for $4.19 with free shipping.

"New Year's Eve celebrates love, hope, forgiveness, second chances and fresh starts, with intertwining stories told amidst the pulse and promise of New York City."

Review: 5.6/10 at IMDb LINK

NEW YEAR'S LINK

Also Available:
Valentine's Day (DVD) - $4.19 with free shipping. LINK
Choosing a Tax Accountant
Added on : Saturday January 11th 2014 06:00:07 AM
g: 0 Posted By: DrToxic
Views: 74 Replies: 1 Happy New Year everyone! As we all know,each new year also means paying taxes for last year... That being said, I have some questions I wanted to draw on your collective FWF knowledge for, since my wife and I got married in November and will be filing jointly for 2013, which is a whole different animal for me. We will most likely fall int he 25% tax bracket, and have no children/dependents. I'm currently debating whether or not we should hire a tax professional, due to the reasons I'm outlining below.

My situation:I usually have quite an extensive Schedule D due to mutual fund trading. I am still carrying forward a capital loss from the past few years. I am a W-2 salaried employee with employer provided healthcare benefits that I have paid into all year, and a 401k. I am the primary income earner of our household. I currently am paying off a mortgage on our house, which I bought in 2012

My wife's situation: She is also a W-2 employee, but works from home and travels frequently for work while claiming expenses that she is reimbursed for. She has a secondary income stream which probably will not come out to more than $500, and so probably won't be claimed. She has some investments/assets that are not actively traded and are held long-term. My wife's family also has a tax accountant which they have used for years, but I am hesitant to trust that he is going to put his best effort into our return.When I was talking to my wife about this, she told me how the accountant has said that he hates itemizing and doesn't usually do it, because the standard deductions are usually about the same anyway. ...I REALLY DON"T LIKE THAT ATTITUDE...my dad and IALWAYS itemized my return... Sure, yes, sometimes we ended up taking the standard deduction for me, but only if it was greater AFTER we itemized and found what that amount was... so to me, it sounds like my wife's family's accountant doesn't really want to go through the effort...

ANYWAY... Based on the info I've given, my questions are:
1. Should we even bother hiring a tax accountant at all? Does it sound like we have a complicated enough situation that hiring someone is worth the money?
2. I understand this is a personal preference question, but if you were in my shoes, would you want to hire a new tax professional? Or trust the one who is already familiar with my wife's taxes?
3. If we hire someone, should I be looking for specifically a CPA? An Enrolled Agent? Both? Are there any real pros/cons to either?
4. Should I be getting all hot and bothered about the fact that my wife's family accountant doesn't itemize? In your experience, if you DO itemize your returns, do you feel that it's been worth your time?
5. Are there any other angles I'm not considering? Tax Professional qualities I should be looking for/looking out for? Any advice?

Tax Deals
Family member likely being laid off...sort of
Added on : Friday January 10th 2014 08:00:05 PM
g: 0 Posted By: chaster86
Views: 127 Replies: 0 So this is going to come as kind of a unique situation (sorry, it's kind of long), and I'd appreciate any insight as to how this can be handled in the best way and potentially to get the most payout (from the severance).

My mother started working for a company in February 2011 or thereabouts, in California. She was an executive assistant for 2 senior VPs (medium-sized company). She liked working there, liked her bosses, never had any real issues and always received great feedback and excellent performance reviews. Around Spring of last year I started hearing grumblings from her about the job, a couple of executive assistants and other employees were let go, younger and younger people started coming in as replacements. The company had really become quite different than when she started, in her opinion, and it wasn't treating employees well.

My mom has had serious issues with her knees due to being a semi-pro, rated tennis player in her younger years.Fast forward to summer 2013.She decided it was time to have knee replacement surgery on the worse of the two knees last September. Shefollowed all the right procedures with HR and notifying her bosses that she'd be out for an extended period of time of around 3 months (under FMLA provisions, I think). The surgery went ok, but there was more damage than the surgeon anticipated, including some additional nerve damage that prevented my mom from walking (her foot dragged). So instead of 3 months recovery it would take maybe an extra month or so. She's been doing physical therapy and the process has worked great, she's walking much, much better now.

During the recovery my mom moved back into the house she owns (she was renting previously, and renting out her house) which is about 45 minutes away from said job. During her period of disability from September to December, a family member asked her if she would like to be his employee as his personal/executive assistant (he does a great deal of financing for house flipping partners, and flies his plane around to scope properties around the Western states).

All the while she did keep in touch with her then boss; she was honest with him in telling him she had moved back for the recovery. He commented point blank 'you're not coming back are you...?' to which she responded that it hadn't been decided yet. She ultimately did decide to take the job with our relative, and was going to put in her two-week notice to her employer once she had her 'back to work' date from her doctor when she goes to the appointment on January 16th.

Earlier this week the company's HR department called her asking if January 16th was her back to work date. She said no, that was the date of her doctor's appointment, and she would likely get her back to work date at that time (she said this was a suspicious call the way they phrased the question). Interestingly enough, today my mom got a phone call from a colleague of hers in the Chicago office asking if she had read her email, and my mom said no, she hadn't read emails for weeks. When she did she saw an email from yesterday announcing a MAJOR 'reorganization' of the company. Many in the executive suite were let go, including BOTH my mom's bosses (who had been with the company 24+ years). So, you do the math...

What my mom wants to do now is try to call their bluff, rather than give her notice. On January 16th she expects the doctor will tell her she can go back to work 2 weeks later. She will communicate the same to her employer. She thinks the employer will either straight up tell her she is being laid off, or will send some sort of certified letter to that effect in the two week time period, offering a severance package as well. If they don't she says she will tell them the day before she is to re-start that she will not be coming back. She really doesn't want to go back to the office, and plans on shipping back her iPad and cell phone to them rather than going in person, regardless of what happens.I chimed in and said she really should go back in person regardless of the outcome because I've been laid off before and they did it in person, not via letters or phone calls. She thinks it would be humiliating and embarrassing which I understand. I also told her it's not good to burn bridges in case she needs a job in the future, that not giving proper notice (in case they call her bluff) would be recorded in her file. She's close to retirement age anyways and says she won't need a job in the future after this new one. Keep in mind they ELIMINATED her position by laying off her bosses.

So, my question is what course of action should she take? Should she:

1) Put in her two week notice once she has the back to work date, and forfeit any severance package
2) See if they really are going to lay her off and offer a package
3) Same as 2, but they want to do it in person on her first day back, to which she won't go and she'd put in her notice one day prior to re-start date
4) Same as 3, but try to get her to go back on the first day to see what happens

Another thing I see with this is the company may be smart and think if they lay her off right away that it will look really suspicious (having been off work for 4 months due to legal disability) and put them at a legal crossroads. I don't know how the FMLA works, my mom seems to think she outside that protection but I haven't researched it yet.

Now, yes ethics comes into play here. My mom was fully intending on doing the proper thing by quitting with two weeks, but I don't feel sorrow for what the company has done with this restructuring. The company was not performing badly at all, performance and profit sharing bonuses were given out the two years my mom was there. The guys replacing my mom's bosses are out of the Houston office, hired 2 months ago in their 30s (as told to her by her counterpart in Chicago). I told my mom JOKINGLY just to go with the nuclear legal route, but in reality I would like her to just play her unique situation to her advantage and get a nice payout from company. But I don't want her to burn bridges at the same time.

What would you do in her shoes? I appreciate any insight.
Discussion Deals
ON SALE: McQ Alexander McQueen - D Ring Contrast Bootie
Added on : Friday January 10th 2014 09:00:13 AM
The biker has just been given an ultra modern look. The D-Ring Contrast Bootie by MCQ Alexander McQueen features pointy toe, stiletto heel measuring 4in/10cm, contrasting leather top panel, leather straps, rivets and D-ring detailing in silver tone metal. Signature dust bag and box included.
ON SALE: Rad� Bead and Crystal Choker Necklace
Added on : Friday January 10th 2014 09:00:13 AM
Collar-effect necklace in matching polished white glass beading and crystals mounted on fabric. Fringe-effect bead detail at front. Lobster clasp closure. Every piece is unique given that it is handmade so colors and patterns may slightly vary. Made in Italy.
ON SALE: Rad� Bead and Crystal Long Necklace
Added on : Friday January 10th 2014 09:00:13 AM
Long glass pearl necklace with lobster clasp closure decorated with turquoise beading and rhinestone crystal detailing. Every piece is unique given that it is handmade so colors and patterns may slightly vary. Made in Italy.
ON SALE: Rad� Crystal Flower Golden Bracelet
Added on : Friday January 10th 2014 09:00:13 AM
Gold tone polished metal oval chain bracelet with golden stud and woven black satin ribbon detailing. Features large rhinestone flower motif at centre. Lobster clasp closure. Every piece is unique given that it is handmade, so colors and patterns may slightly vary. Made in Italy.
ON SALE: Rad� Crystal, Glass Pearl and Stud Golden Necklace
Added on : Friday January 10th 2014 09:00:13 AM
Gold tone polished brass oval chain necklace with crystal, glass pearl and stud detailing. Three pearls are alternated by three crystals and interspersed by gold tone studs. Lobster clasp closure and adjustable length. Every piece is unique given that it is handmade, so colors and patterns may slightly vary. Made in Italy.
ON SALE: Rad� Emerald Green and Turquoise Long Necklace
Added on : Friday January 10th 2014 09:00:13 AM
Long necklace made from intertwined emerald green satin and gold colored chain completed with turquoise beading. The front of the necklace features an array of glass crystals, turquoise beads together with turquoise and blue fringe detail. Every piece is unique given that it is handmade so colors and patterns may slightly vary. Made in Italy.
ON SALE: Rad� Flower Crystal Lace and Metal Bracelet
Added on : Friday January 10th 2014 09:00:13 AM
Silk cord bracelet decorated with a sewn-in oval cluster of clear Swarovski crystals. The bracelet has a small gold toned charm with the brand’s logo and fastens with a lobster closure. Every piece is unique given that it is handmade, so colors and patterns may slightly vary. Made in Italy.
ON SALE: Rad� Glass Pearl and Stud Black Lace Necklace
Added on : Friday January 10th 2014 09:00:13 AM
Necklace made from black satin ribbon and an oval-shaped gold-color chain mounted with alternating pearl glass beads and large golden studs detailing. Every piece is unique given that it is handmade so colors and patterns may slightly vary. Made in Italy.
Long necklace made from intertwined orange satin and gold colored chain with polished brown beads. Front pendant feature has a distinctive orange tassel-effect detail together with an array of yellow, orange and crystal beading. Lobster clasp closure. Every piece is unique given that it is handmade so colors and patterns may slightly vary. Made in Italy.
ON SALE: Rad� Orange Crystal and Bead Choker Necklace
Added on : Friday January 10th 2014 09:00:13 AM
Collar-effect necklace in an array of orange-colored beads and crystals interspersed with pink toned beading and crystals. Fringe-effect detail at front of necklace. Lobster clasp closure in gold color. Every piece is unique given that it is handmade so colors and patterns may slightly vary. Made in Italy.
ON SALE: Antik Batik - Arly Animal Print Resin Bangle
Added on : Friday January 10th 2014 09:00:12 AM
»Arly» yellow and blue leopard print bangle-style bracelet in resin. One size. Slight pattern and color variations given hand-detailing make each piece unique.
ON SALE: Antik Batik - Delphi Multicolor Resin Bangle Bracelet
Added on : Friday January 10th 2014 09:00:12 AM
»Delphi» resin bangle bracelet with flower pattern. One size. Slight pattern and color variations given hand-detailing make each piece unique.
ON SALE: Givenchy - 17 Madonna and Rottweiler Cashmere Print Wrap
Added on : Friday January 10th 2014 09:00:12 AM
Bringing back the essence of punk this Modal Cashmere print scarf from Givenchy is a great addition to your wardrobe. Featuring classic border with signet and Rottweiler, face of Madonna centered with 17 over top, clean finished edges. Made in Italy.
Grunge chic with this 17 Pervert Givenchy scarf. Featuring the number 17, white stars boarder amid a black backdrop. Made in Italy.
Bringing back the essence of art deco with Madonna as the centerpiece this Black and Gold Madonna Print Silk Scarf from Givenchy is a great addition to your wardrobe. Featuring classic Givenchy border motif with face of Madonna and Child in center. Made in Italy.
ON SALE: Givenchy - Dart Target Stars and Diamonds Print Wrap
Added on : Friday January 10th 2014 09:00:12 AM
This Target and Stars scarf from Givenchy adds a little playfulness to your day. Features targets on each corner with diamond center and argyle border. Made in Italy.
ON SALE: Givenchy - Doberman Tartan Wool Print Wrap
Added on : Friday January 10th 2014 09:00:12 AM
This country style tartan wool scarf adds a little playfulness to the trend. Featuring twin dobermans and a star in each corner, red tartan background and freyed edges. Made in Italy.
ON SALE: Givenchy - Floral Print Modal and Cashmere Oversize Scarf
Added on : Friday January 10th 2014 09:00:12 AM
Floral images of the West add a spalsh of color with this Paradise Flowers Silk Scarf from Givenchy. Featuring birds of paradise, hibiscus and bright green ferns accented with Western stars bloom into a graphic border. Made in Italy.
ON SALE: Givenchy - Green and Black Wool and Silk Rottweiler Wrap
Added on : Friday January 10th 2014 09:00:12 AM
The Green and Black Wool and Silk Rottweiler Square Scarf by Givenchy features signature rottweiler print at corners on a backdrop of green, signature print in black, unfinished edges and tonal stitching. Made in Italy.
ON SALE: Givenchy - Madonna 17 Large Wool Print Wrap
Added on : Friday January 10th 2014 09:00:12 AM
The Madonna 17 Large Wool Wrap by Givenchy is made of soft wool light blue backdrop, printed Madonna motif, large No. 17, »chain» edging, light blue border and eyelash fringe. Made in Italy.
ON SALE: Givenchy - Madonna and Angeles Print Silk Square Scarf
Added on : Friday January 10th 2014 09:00:12 AM
The Madonna and Angels Print Silk Square Scarf from Givenchy is reminiscent of the art deco motif. Featuring four irises in each corner with circle of angels around face of Madonna and Child. Made in Italy.
ON SALE: Givenchy - Oversize Modal and Cashmere Doberman Print Wrap
Added on : Friday January 10th 2014 09:00:12 AM
Surreal as if in a dream this Doberman Modal Cashmere print scarf from Givenchy is a great addition to your wardrobe. Featuring multi-colour print with doberman in the center, clean finishd edges. Made in Italy.
sfbay : why are the school districts so bad ?
Added on : Thursday January 09th 2014 07:00:07 PM
g: 0 Posted By: CAguyIP
Views: 98 Replies: 1 Given the sky high property prices - which implies high property taxes for schools..why do these areas have "low rated " schools..?
Discussion Deals
Q: why does best buy require entering DL # in their systems for returns?
Added on : Tuesday January 07th 2014 04:00:11 PM
g: 2 Posted By: xit
Views: 116 Replies: 6 I purchased some gifts at best buy for xmas. They verified my identity by comparing the cc to the DL but did not copy any info.
Tonight, I made a return of bose headphones and a couple of pre-paid phones. I had the original receipts and none of the boxes had been opened. These were duplicate gifts so I would be buying something else instead but not a best buy. The associate at the return counter asked to see my DL and attempted to take it out of my hand. I informed her she is welcome to verify my identity but due to identity theft issues that I've had before that none of the info could be scanned or entered into their computer. she told me she could not do the return without out. She called the store manager. He came up and gave me the same story. I offered to leave the merchandise and call AMEX. The store manager stated their return policy changed about a year ago and it requires them to enter the DL # in they system for returns. He told me I was welcome to talk to HQ (he didn't provide a contact). He also stated that I shouldn't do any returns if I'm not willing to have my DL entered in their system. He made an exception for me tonight and processed the returns without entering the DL but he asked for my phone number. I was already in their system by phone number.

I know some folks will call me names and accuse me of being paranoid. I just don't see the need to risk identity theft for a return. Costco never does this. I don't have a lot of returns and given this experience I'm not sure Best Buy is a good place for me to shop given their return policy.

why is the DL need to be entered in their system? I have no issue showing them my DL but I'm not comfortable with them entering my DL in their system due to recent security breaches at retailers (such as Target)
is there a contact at Best Buy HQ that I can talk to?

Discussion Deals
Nursery charge for newborn
Added on : Monday January 06th 2014 02:00:08 PM
g: 4 Posted By: bluegreenturtle
Views: 197 Replies: 0 I am hoping somebody with some sort of special knowledge of hospital billings might read this.

We recently had a baby. Normal delivery and the charges to Mom's account, while crazy high for a normal delivery without complications, were what we expected and she hit her $5000 out of pocket max anyway.

Then they started a billing account for the baby and started charging things to her. Ok, some of it made sense, like a diagnostic test or any medications (eye drops) given. But in addition to Mom being charged for the labor and delivery room and then the recovery room (the only 2 rooms we saw) they also charged the baby $1500 for "nursery." all of which will be out of pocket since it's under the deductible for the baby's account. I wrote to the hospital and asked about this, explaining that the baby never spent any time in a nursery or any other room, and the reply was "the hospital always bills for a nursery charge because there has to be a room avaiable in case the baby is ill or has complication." This doesn't make sense to me - do they always charge for the Operating Room in case a C section is needed? No. Do they always charge for an emergency cart because the mother or baby could go into cardiac arrest? No.

Anyway, is this normal practice? I'll have to pay the whole thing if we're liable for it, so it's worth a little bit of time to try to fight it or negotiate it. Also, if they just would have charged it to the Mother's account instead of the newborn, then the insurance would be on the hook for it. Is that impossible to ask for?
Personal Finance Deals
Buying a rental house targeted at shorter-term tenants
Added on : Monday January 06th 2014 06:00:15 AM
g: 0 Posted By: Bagofchips
Views: 0 Replies: 0 Here's an idea I'm toying with. Where I live (suburbs, upscale, Northern California)there is little inventory for housing (be it rental or purchase). This in turns leads to more people wanting to remodel their homes, but those who do so often have the challenge of where to live short-termduring a move-out remodel.

The cash flow on homes purchased for rental usually stinks, but am thinking MIGHT be able to make something work with a rental targeted at shorter-term occupancy. Rental terms would be front-loaded with a higher rate and the rate would decline over time (to a still-above-market rateat month-to-month). Where I am there is no rent control. Shorter-term tenants also include the recently-relocated (from outside the area or urban flight families) who are house hunting.

The ideal home for such a situation would have these qualities:

Generousgarage for storage
One level for easier move-in / out
Convenient location
Finishes / fixtures able to withstand more wear & tear

Things that ordinarily might hinderproperty value which could matter lessto shorter-termtenants (to an extent):

Road noise
Appearance of neighboring properties, house itself, grounds
Interior condition

So basically, I'm thinking there might be a way to cater to shorter-term credit-worthy tenants paying above-market rent in a property that is fundamentallylower cost / sq ft. Clearly Iwould need to manage vacancy. I can't get to the oft-advised1% rent threshold, though I will be able to self-manage given my proximity to it. Rent could cover mortgage and property taxes and minimal maintenance like landscaping. But let's say not routine repairs, insurance, home warranty...

Input?
OSEPP Uno (Arduino clone) $9.99 @ Micro Center
Added on : Sunday January 05th 2014 04:00:04 PM
g: 1 Posted By: jeffspam
Views: 269 Replies: 0 http://www.microcenter.com/product/389977/OSEPP_Uno_Main_Board

Micro Center is selling the OSEPP Uno, an Arduino Uno clone, for $9.99, 50% off their regular price. Good deal if you're doing in store pickup (shipping isn't terrible, but not free). Some minor differences between this and a genuine device (e.g.: soldered-in AT328P vs removable DIP on the real Uno), but if you're looking for a basic Arduino, even the cheap clones via eBay are around $10. Web site says limit 1 (I'd be surprised enforced in the store).

Don't know if they're doing this at all their stores, but at the Columbus, OH store they've given their DIY section a huge expansion, selling all sorts of Arduinos and shields, Rasberry Pis and Beaglebones, 3D printers, tools, and a whole lot more. Worth checking out.
Electronics Deals
g: 0 Posted By: bpvh
Views: 257 Replies: 0 OfficeMax 20% off almost everything (exclusions apply, most tablets not excluded) 01/05/2014 - 01/11/2014


Bring in this coupon and get 20% off almost everything LINK

Ink & Toner

Case & Ream Paper

Software

Office Supplies

Technical & Business Services

Print & Shredding Services

Tablets & eReaders

Mobile Accessories

And More!


Plus save online at OfficeMax.com with promo code SAVE20.***

TERMS per in-store coupon:

*Valid 1/5/14 thru 1/11/14. Valid in store and online at OfficeMax.com. Discount applies to regular-, sale-, promotional- and/or clearance-priced items before taxes. Limit 1 bag/coupon code per customer. Discount does not apply to purchases of Epson and HP ink and toner, U.S. postage stamps, TVs, printers, computers, monitors, Epson projectors and scanners, shredders, typewriters, cash registers, hard drives, data storage, keyboards and mice, networking products, file cabinets, ready-to-assemble furniture, chairs, furniture accessories, gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, MaxAssurance Service and Protection plans, furniture assembly, OfficeMax Essentials kits and FedEx shipping services. Discount includes the following select OfficeMax print services: shredding, printing, copying, oversized printing, binding, laminating and finishing. Discount applies to in-stock items only. Special orders are not eligible for the discount. Coupon is limited to one-time use only and must be surrendered at the time of purchase. Void if copied, sold, purchased, transferred, taxed or where prohibited. Not valid with any other coupon offer, associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. No price adjustments from prior purchases will be made. No rain checks will be given for the 20% discount unless required by law. Cash value .001. 2014 OMX, Inc.
**For online purchases, the offer is not valid on OfficeMax.com Specialty Shops, affiliated third-party websites or Business Services purchases. Discount excludes shipping and handling fees (if applicable to the order). See OfficeMax.com for full details.

TERMS per online:

*Valid 01/05/14 thru 01/11/14. Valid in store and online. Limit one coupon per customer. Coupons are non-transferable. 20% discount applies to all regular-, sale-, promotional and clearance-priced items before taxes. 20% discount applies to in-stock items only. Not applicable on special orders. No Rain Checks will be given for the 20% discount unless required by law. Cannot be combined with other offers/coupon codes, associate discount, OfficeMax Customer Perks and/or Retail Connect(SM) pricing. No price adjustments from prior purchases will be made. Not valid on purchases of HP products, Epson ink and toner, printers, computers, monitors, shredders, televisions, projectors, fax machines, copiers, typewriters, cash registers, hard drives and gift cards. For in-store purchases only, coupon must be surrendered at the time of purchase. Excludes OfficeMax ImPress Print Center services: shredding, printing, copying, oversized printing, binding, laminating and finishing only. Additional in-store exclusions are file cabinets, Ready to Assemble Furniture, chairs, furniture accessories Epson scanners, video games, U.S. Postage Stamps, Epson projectors and screens, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, general-use prepaid cards, phone cards, Virgin Mobile devices & service plans, MaxAssurance services and protection plans and OfficeMax Essentials Kits. Merchandise must be in original packaging. For online purchases only, offer is not valid for orders on OfficeMaxSolutions.com, Maxbuyer.OfficeMax.com, OfficeMaxCommercial.com, or Government.OfficeMax.com. Coupon does not include tax and shipping. Additional online exclusions are clearance- and promotional-priced furniture, select tablets, select eReaders, eReader accessories, USB drives, label makers, scanners, voice recorders, clearance items, iPad accessories, lens accessories, projector accessories, shredder supplies, typewriter supplies, appliances, printer docks, photo packs, digital cameras, camcorders, MP3 players, digital photo frames, headphones, home theater, digital voice recorders, unlocked phones, graphing calculators, GPS systems & accessories, video game consoles & accessories and audio & accessories, gaming keyboards & mice. Cash value .001 2013 OMX, Inc.
Office & School Supplies Deals

OfficeMax Coupons
Maxing out retirement - what to do next?
Added on : Thursday January 02nd 2014 03:00:07 PM
g: 0 Posted By: CaptainHuey
Views: 200 Replies: 5 My wife and I are fortunate enough to be able to max out our 401k's and Roth IRA's (viayearlybackdoor conversions). With my 401k match, we put away ~$50k in 2013 towards retirement and we are in our mid/late 30's. We have been doing this level of maxing-out for close to a decade (at whatever the limits were), so our combined retirement balance is pretty good given our age.

We also own a nice home in a pricey area where we have 30%+ equity and it is being financed over 15 years at 3% fixed. The house should be paid off when our oldest child is of college age and our average age would be ~50. I think that we should have a very comfortable retirement with 10-12k/month, and I think we are on track for that (especially if the massive mortgage payment goes away ~15 years prior to retirement).

All that said, we have a few tens of thousands in savings not earning much and with the prospect of padding on to that with additional savings from leftover funds, the question is, what to do with the money?

-Munis? Seems like relatively low yield and ties the money up.
-Taxable investment account? Probably will go this route and buy index funds.
-Rental property? I am VERY handy, but I live around a pricey area, so it is not so easy to find a rental property that seems like a "slam-dunk" investment. Example: The best I've found is a 4-unit (all 1BR/1BA units) in average shape & location selling for over 500k with a profit of 39k/year assuming all four units are rented. I then have to pay the mortgage from that - figure ~30k/year (20% down) for a net profit of around 10k/year. Nothing else comes close.
-Buy small business and have someone run it? Could be profitable if properly vetted but always risky to have someone else run it.

Thoughts on what to do or anything else I mentioned?

Investing Deals
Resign or wait for layoff or be fired?
Added on : Thursday January 02nd 2014 08:00:11 AM
g: 0 Posted By: W7414
Views: 328 Replies: 14 In a recent re-org my job role was changed (same salary of $120K) and was told that the re-org did not have any RIF (Reduction in Force). I now report up thru someone who I have had tiff with previously. A few days after the re-org, I was told that my job role changed because apparently I told my direct report what to do, instead of teaming up with them on what needs to be done. I couldn't recollect a situation when this happened, but I didn't want to argue, knowing who I report to now. I was also told that I can accept my changed role and be happy about it or keep fuming about it.

Since the reorg, there is almost no work coming my way and the ones I get are things that others don't want to do - like being a silent scribe in the meetings, where I used to run similar meetings and be a big contributor.

Its hard coming to work everyday on time, do nothing and leave, but I am trying to think of this as a business decision and not get emotional about it. I am working with senior management of a different company towards a new job role (being carved out for me) that I expect to materialize in the next 8-10 weeks.

Based on the company's policies, if they lay me off, they will have to pay closer to $60K as severance. My preference is to get laid off, given the current situation. My formal performance review is coming up in the next 5 weeks and I know they will come out and say I am not meeting their expectations.

Is there anything I can be doing to prevent me from getting fired for the next 8-10 weeks. Is there anything I can be doing so they will lay me off?
Personal Finance Deals
Lots of CCs - strategy to manage AORs, CLIs, and Credit Score
Added on : Tuesday December 31st 2013 09:00:08 AM
g: 0 Posted By: chunkalunk
Views: 157 Replies: 0 Between me and wifey, we probably now have close to 20 CCs thanks to2 AORs (thanks FWF!). We generally only use 4-5 at any given point in time, in order to maximize rewards. All other CCs are sock-drawered and I've setup account alerts on them, whenever possible, to track any unexpected charges/fraud.

Couple of questions:
1. As the CC/CLIs add up, do any of you request to reduce the CLI on cards? (seems like on one hand, large amount of available credit negetively impact your credit score, but on the other hand, % of available credit used positively impacts credit score if it's low) Also not sure how large amount of existing CLIs may impact AOR #3, #4, #5, etc
2. Do youcancel the most recent AORed cards after getting signup bonuses? (my thinking: new cards shorten your average age of credit lines, cancelling the new ones would 'lengthen' the average age again)

I know some of the old-pro AORers have way more than 20 CCs and I probably wouldn't mind, but wifey is concerned we have so many CCs. I know there's no 1 'right' answer, butcurious to see what others out there are doing to either
a) ensure successful subsequent AORs, and
b) minimize risk/exposure (I realize you're not liable for fraudulent CC charges, but I view it as a hassle I'd like to mitigate)

Thanks in advance!
Personal Finance Deals
Lots of CC - strategy to manage CLIs?
Added on : Tuesday December 31st 2013 08:00:11 AM
g: 0 Posted By: chunkalunk
Views: 13 Replies: 0 Between me and wifey, we probably now have close to 20 CCs thanks to2 AORs (thanks FWF!). We generally only use 4-5 at any given point in time, in order to maximize rewards. All other CCs are sock-drawered and I've setup account alerts on them, whenever possible, to track any unexpected charges/fraud.

Couple of questions:
1. As the CC/CLIs add up, do any of you request to reduce the CLI on cards? (seems like on one hand, large amount of available credit negetively impact your credit score, but on the other hand, % of available credit used positively impacts credit score if it's low) Also not sure how large amount of existing CLIs may impact AOR #3, #4, #5, etc
2. Do youcancel the most recent AORed cards after getting signup bonuses? (my thinking: new cards shorten your average age of credit lines, cancelling the new ones would 'lengthen' the average age again)

I know some of the old-pro AORers have way more than 20 CCs and I probably wouldn't mind, but wifey is concerned we have so many CCs. I know there's no 1 'right' answer, butcurious to see what others out there are doing to either
a) ensure successful subsequent AORs, and
b) minimize risk/exposure (I realize you're not liable for fraudulent CC charges, but I view it as a hassle I'd like to mitigate)

Thanks in advance!
Getting Married- Merging Finances... tips?
Added on : Sunday December 29th 2013 05:00:10 PM
g: 0 Posted By: FFGuru
Views: 183 Replies: 5 This year I'm excited to be getting married! When it comes time to merge the finances though, we want to do it smartly & make sure we don't do anything that could hurt hour credit or ability to open our own business. Looking for tips & tricks from fellow FW'ers before we get married.

She: Credit in the low 700's, but a ton of student loan debt from med school, slight credit card debt, but no bad marks. Student loan repayments are income based, and the principle will be forgiven in 20 years.
Me: Credit in the high 700's, very little debt aside from an above-water mortgage. Eventually I'd like to open my own business, which will require more loans.

Based on her loans, we plan to file taxes married filing separately--- in effort to maximize the benefit of the loan forgiveness.

We want to maximize our ability to start our own businesses, get loans in the future, and to not do damage to my credit. Are we safe to add each other to bank, & CC accounts, and loans without hurting my credit? Or should we keep our finances separate?

Any other tips about merging our finances?


Personal Finance Deals
g: 0 Posted By: EatenByGrue
Views: 182 Replies: 4 I am curious if, given my situation, there may be more options open to me than an average first-time home buyer.

- I'm 40 years old, never owned a home, am debt free, and I live in the Silicon Valley of the San Francisco Bay Area.
- I have $150k+ in cash, $2.2M+ in non-retirement investment accounts, and $600k+ in retirement investment accounts (401ks, Rollovers, SEPs, and a Roth).
- My three FICO credit scores are all over 800.

I recently attempted to buy a first home -- my offer was not accepted, but I did have my "eyes opened" (partially) to the process of getting a mortgage by going through a rigorous (some might say proctological) pre-approval process.

I'm still trying to wrap my head around a mortgage's "closing costs" (in my case it was $16k+ for a $625k conforming-for-high-cost-area 30 year fixed loan. I was planning to put 25% down on an $850k house).

A few of the closing cost charges seem reasonable, but things like "loan origination fees" for processing paperwork seem excessive to me.

My mainreason for "borrowing" instead of "paying cash" is to take advantage of the "home mortgage interest deduction" to reduce my annual taxable income. A close second reason for not wanting to pay cash is to avoid creating taxable events by selling $500k+ worth of stock (I rarely sell stocks or funds, I tend to only buy them... So I'd have to sell a lot more to pay capital gains). Lastly, "Opportunity cost" doesn't mean much to me (but I'd take advantage of it for money not tied up in a house).

As I see it, I'm offering to borrow money from a company at 4+% -- seems like a good deal for them. I'm willing to "secure" that loan by using the rest of my nest egg.

If possible, I'd like to avoid paying for "the privilege" of loaning "a great credit risk" like me money. Am I being out-of-touch and unrealistic here?

I've heard of "no closing cost mortgages" where the lender eats their costs to maintain a relationship with the borrower. How do I go about developing one of these relationships?




Real Estate Deals
Free Kindle Book- Overcome Adversity Your Dreams Matter (was $21.97)
Added on : Friday December 27th 2013 03:00:03 AM
g: 0 Posted By: remick
Views: 167 Replies: 0 http://www.amazon.com/Overcome-Adversity-Dreams-Matter-BreakThru-ebook/dp/B00HI8PE62

"Overcome Adversity - Your Dreams Matter", was written and designed by Andrew Brown, a decorated US Army Medical Service Officer. Andrew's goal is to; roadmap the recovery and breakthrough process needed for the reader to define their own life purpose. The book is an active read - emotionally connecting the reader with realistic examples, inspirational and spiritual insight, and practical tools for application. By the end of the book, the reader will be refreshed, renewed, and spiritually redefined. Empowered with tested tools and strategies; to follow their divine calling, and utilize their God given gifts and talents to achieve their own dreams.

Brown, details his recovery from a near-fatal automobile accident during his military career. He was just seven hours from graduating from the US Army Medical Center and School. Faced with a defining moment of a 10/90 percent chance to live; Brown, is medevac by helicopter to the hospital comatose; prognosis...Terminal. What happens to him next is a miracle you must read and experience for yourself! The story is captivating, and layered with insurmountable defining moments. Incapacitated and at the doorway of disaster; Andrew, is barricaded in numerous injuries. The residuals of his past, the defining moments of medical uncertainty, confront him; and castrate his ability to lead himself.
Books Deals

Amazon Coupons
g: 0 Posted By: bpvh
Views: 71 Replies: 0 OfficeMax 20% off almost everything (exclusions apply) 12/29/2013 - 01/04/2014


Bring in this coupon and get 20% off almost everything LINK

Ink & Toner

Office Supplies

Software

Case & Ream Paper

Calendars & Planners

Mobile Accessories

Print & Shredding Services

Technical & Business Services

And More!

Plus save online at OfficeMax.com with promo code SAVE20.***

**Valid 12/29/13 thru 1/4/14. Valid in store and online at OfficeMax.com. Discount applies to regular-, sale-, promo- and clearance-priced items before taxes. Limit 1 coupon/promo code per customer. Discount does not apply to purchases of Epson and HP ink and toner, U.S. postage stamps, TVs, printers, computers, tablets, eReaders, monitors, Epson projectors and scanners, Neat scanners, shredders, typewriters, cash registers, hard drives, data storage, keyboards and mice, networking products, video games, fi le cabinets, ready-to-assemble furniture, chairs, furniture accessories, gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, MaxAssurance Service and Protection plans, furniture assembly, OfficeMax Essentials kits and FedEx Shipping Services. Discount includes the following select OfficeMax print services: shredding, printing, copying, oversized printing, binding, laminating and finishing. Discount applies to in-stock items only. Special orders are not eligible for the discount. Coupon is limited to one-time use only and must be surrendered at the time of purchase. Void if copied, sold, purchased, transferred, taxed or where prohibited. Not valid with any other coupon offer, associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. No price adjustments from prior purchases will be made. Not valid for credit card payments. No rain checks will be given for the 20% discount unless required by law. No cash or credit back. Cash value .001. 2014 OMX, Inc. ***For online purchases, the offer is not valid on OfficeMax.com specialty shops, affiliated third-party websites or Business Services purchases. Discount excludes shipping and handling fees (if applicable to the order). See OfficeMax.com for full details.
NutriBullet $71.99 w/ FS at Kohls - no KCard needed - today only
Added on : Wednesday December 25th 2013 12:00:07 PM
g: 0 Posted By: TheWrangler
Views: 0 Replies: 0 It shows $99 on the page but when you add it to your cart you are given 10% off. Then the Jinglebells code adds another 20% off taking the price down to $71.99 befeore tax with free shipping.

Beats the $80 price at Bed Bath and Beyond (99 - 20% card)

​link
Financial (Debt) Advice for a New Home Owner
Added on : Tuesday December 24th 2013 05:00:08 AM
g: 0 Posted By: dbess2013
Views: 60 Replies: 0 Hi all,

I am a long-time lurker, first-time poster; love your advice on this part of the forum and after lurking for quite awhile, I figured I would post and see what ideas I can get about my financial situation which has been a little hairy since my house purchase. The basic story here is that I purchased a foreclosure home that was "too good of a deal" to pass up. Indeed, it still is a great deal but I was burned by the bank in regards to obtaining "fixer-upper" funds. I was told by my originator that upon purchase, I would be able to borrow under a second mortgage right out of the gate which turned out to be entirely untrue due to the grant I received which will be forgiven in two years. Lesson learned.

The home upon purchase was listed for $50k at auction, I placed a bid at $45k with theseller paying closing costs (truly paying, not rolling into the loan).I was then able to obtain a 10k state grant for downpayment assistance since it was a vacant home which leaves me with a total mortgage of about 34k. The first valuation came in at 78k prior to my repairs. Judging by the area and what I've been told by a couple realtor friends, they believe it would fetch about 120-125k in today's market.

The good side is that its a great place with a huge yard in a city which doesn't usually have both of those attributes. It's an up and coming area so the value will likely rise pending on the market. The bad side is that since I was unable to get a second mortgage for repairs, I now am saddled with some debt that came from necessary repairs to make it liveable.

Current Debt:
Credit Card: 5k @ 15.9%.
Lowes Credit Card: 6k @ 5.99%
401K Loan: 6K @ 2% or so(to myself)

I've always been an anti-debt kind of person and I would really like to jump out of this hole ASAP. It was a seize the moment type purchase which may or may not have been a good idea given my hate of debt. My current plan is to try for a balance transfer card with 0% for 18 months and then add a second mortgage after the grant is forgiven in 07/2015 or the Penfed Promise for the 3.9% for life balance transfer and forget the mortgage. I'm unsure if I'll be approved for the Penfed as my credit score after all this house buying and whatnot is at about 730 (previously 770).

Of course, the ideal situation would have been to have cash to do these repairs and I am half-way kicking myself for doing it. On the flipside, I'm paying far less even with the high interest debt than I was renting.

Anyone have any other ideas for paying less interest with what I have going on?
Personal Finance Deals
g: 0 Posted By: vnuts21
Views: 87 Replies: 0 Pardon the lengthy post, but I wanted to get some general advice on how best to prepare for buying our first home in the next few years. Ages: 26 (Me), 27 (Her).

We will be married in September, 2014.

Income:
Me - $78k/yr
Her - $76k/yr
Average take home pay: ~7200/mo
Other income: Credit Card/MS shenanigans - ~$500/mo

Expenses:
~5000/mo (includes rent, student loan payments, Roth IRA contributions, food, traveletc) (high cost of living area)

Currently not maxing retirement savings- only contributing max Roth IRA (5500 each) and minimum to get company match. This will change once student loans are paid off (~9 months)

Assets:
Me:
$40k in 401k
$26k in Roth IRA
$5k Liquid

Her:
$35k in 401k
$10k in Roth IRA
$9k Liquid

Debts:
Me - $40k in student loans (3.5%)(being generously paid off by my brother at $14k/year, and by me at a rate of $4k/yr) - will bepaid offin ~2.5 years
Her - $10k in student loans (5% average) (will be paid off in 1 year)

I will most likely be taking a temporary new job in the DC area for 1 yearwhich will greatly increase our savings ability. The job covers all living expenses and provides a daily food stipend, allowing us to live rent, utilityand food-free (will end up saving ~30k extra over 1 year) (this assumes my fiancee will be able to find a job in DC at the same time). Paying off the student loans over the next year or so would also free up almost1000/mo.

Job prospects:
Overall good - we are both ambitious engineers

Me: BS (high ranked private university), MS in Mechanical engineering (no-name state school). Currently working for US Government (decent job security, but will most likely be leaving after the DC position in search of something higher paying and more challenging).
Her - BS in Manufacturing Engineering (high ranked private university), MBA (decently ranked private university) in May 2014. Currently working for amedical instrumentcompany (decent job security, but overall underpaid given her position, experience level). Will most likely be looking for a new job coinciding with my DC position.

2-3 year goals:
-Live in DC for 1 year
-Live in California for 1-2 years
-Settle down in northern east coast (NY, PA, VA, MD etc)(near family) in ~2017 and purchase a home (~300-350k range). I'd like to be able to put 20% down onthe house. This would require 60k, which is easy to do even now (if saving for a few months and tapping into Roth IRA), but I'd prefer not to touch the Roth accounts to do so.

Here's my questions:
- How to handle manufactured spending/credit card sign ups in the 2-3 years leading up to buying a house? Our credit scores are excellent, and we have leveraged those scores into great vacations, and a lot of extra income from manufactured spending techniques. When should we stop the spending, so that lenders do not ask questions and are not put off by the ~20 open credit cards per person?
- How to best stagger the accounts to get approved for a mortgage? I know the lenders want to see an account capable of paying off the mortgage and will scrutinize every transaction dating back almost a full year. Would opening a joint account and having the paychecks deposited into it be ok? I would keep all other accounts (rewards checking, bluebird, etc) separate. This would be our only joint account from the time we are married until the time we buy a house.
- Any other words of wisdom, advice on how to improve our financial situation?



Discussion Deals
PlayStation 4 Bundles - $699 - Console + 3 Games + 2 Controllers @Meijer
Added on : Monday December 23rd 2013 07:00:02 AM
g: 0 Posted By: mmax
Views: 0 Replies: 0 Ironically meijer is OOS on just the console, they will sell you their bundles though. Includes console, controllers, and games. Seems a little overpriced imo, but given how hard these are to find right now...I thought I would post.

Happy Holidays.

Links:

http://www.meijer.com/s/playstation-4-gaming-console-bundle-call...

http://www.meijer.com/s/playstation-4-gaming-console-bundle-knac...
g: 0 Posted By: minghi
Views: 119 Replies: 0 So, I was looking for a business checking offer since I recently started a business (just got my first check in the mail over the weekend woohoo) and this is the best new account bonus offer I could find. Does anyone have any idea on how this bank is or are they any similar/better offers. Since its a CU, I feel there shouldn't be any issues.http://www.aacreditunion.org/business-promo-checking.aspx


Apply today to receive up to $200!American Airlines Credit Union is here to lift you up with $200. Open a Primary Business Checking Account today and receive an opening deposit of $100 at account opening, and then receive another deposit of $100 after you make at least 10 (ten) transactions with your Business Visa CheckCard within the first 45 days of account opening*. Click on the Apply Online link below to get started!Your Primary Business Checking Account also gives you:

LOW Fees

No Monthly Services Fee1
No Hidden Fees!

High-Quality Personalized Service We're not here for profit, we're here for you.
Paid Dividends Earn dollars with your business checking account (APY is tiered based on average daily balance)2
FREE Account Features

First 100 deposited checks free and first 100 paid checks free3
Free Business Visa CheckCards up to four cards per account4
FREE Mobile Banking
Free Online Banking & Bill Pay


Take advantage of this limited time offer and APPLY TODAY!

Click:Apply Online
Call: (800) 533-0035, Ext. 4123

* Open a new American Airlines Credit Union Primary Business Checking Account between 9/15/13 and 12/31/13 to receive the initial $100 bonus posted to your new business checking account at account opening. A new business account includes savings and checking with a required minimum balance of $25 in each. To receive the second $100 bonus in your business checking account, you must qualify for a Business Visa CheckCard and then complete 10 (ten) CheckCard transactions with your new Business Visa CheckCard within 45 days of account opening. After those two requirements are met, the second $100 will be posted to your business checking account by 2/28/14. Your checking account must remain open for six (6) months or the up to $200 bonus you were given will be withdrawn from your account at closing. Member must be in good standing for account to be eligible. Business checking and the Business Visa CheckCard are subject to credit approval. This offer is non-transferable and cannot be combined with any other offer. Any awards of monies received in association with this promotion may be subject to IRS reporting requirements. Recipients are responsible for income tax liability if any.1Member-initiated fees may apply.2APY is Annual Percentage Yield. Member must be in good standing for account to be eligible. Dividend period is calendar month. APY and dividend rates are accurate as of the last dividend declaration date and are subject to change monthly as determined by the American Airlines Credit Union Board of Directors. Dividends will be paid on the average daily balance to all business checking accounts maintaining a minimum of $25.00 during the calendar month. Fees may reduce earnings on account. Ask the Credit Union for details.3After the first free 100 deposited checks and first free 100 paid checks, the following fee schedule will automatically be instated. Deposited items: 0 100 are free, 101 250 are $0.15/ea, and over 250 are $0.35/ea. Items Paid: 0 100 are free, 101 250 are $0.15/ea, and over 250 are $0.35/ea.4Must be a business owner to be approved for a Business Visa CheckCard, and a maximum of four business owners can be issued a Business Visa CheckCard per account.
Deposits Deals
Free Kindle Book- O Little Town: A Novel by Don Reid (was $16.99)
Added on : Monday December 23rd 2013 04:00:05 AM
g: 0 Posted By: remick
Views: 297 Replies: 0 http://www.amazon.com/gp/product/B005NHTSZ8

4.3 out of 5 stars with 103 reviews

Christmas, 1958: Elvis is on the radio, Ike is in the White House, the Lord is in his holy temple, but there is no peace in Mt. Jefferson.
In a small town where everybody seems to know everybody, there are still a few secrets. Three families find they are connected in ways they never suspected: an angry teen, a dying man, a lonely wife, a daughter in trouble. Just ordinary people, muddling their way through ordinary challenges. Illness. Marriage. Bad decisions. Friendship. Faith. Forgiveness.
Spanning three generations, O Little Town is a tender tale of love and redemption . and a lonely gravesite where roses mysteriously appear every Christmas. It will touch your heart.
Books Deals

Amazon Coupons
Free Kindle Book- Relationships: A Mess Worth Making (was $17.99)
Added on : Monday December 23rd 2013 04:00:04 AM
g: 1 Posted By: remick
Views: 213 Replies: 1 http://www.amazon.com/Relationships-Making-Timothy-S-Lane-ebook/dp/B00F5KX9BC

While skillfully identifying the deeper issues that keep relationships less than they are designed to be, Tim Lane and Paul Tripp show readers how to experience the other side of relationships as well. They convincingly testify of the power of God's presence to bring believers to the place where:
Conflicts actually get resolved
Tough conversations turn out positive
Forgiveness is granted and real love is expressed and shared
Casual relationships mature into deep friendships
Weaknesses are overlooked and strengths are applauded
People are honest without being mean
A book about relationships, written within the context of their own friendship, Tim and Paul's new offering is straightforward about the relational disappointments that we all suffer. But they are also optimistic about the power of grace to redeem and restore our relationships. Rather than presenting new or sophisticated techniques to make relationships flourish, the authors instead focus on the basic character qualities that can only be formed in the heart by the gospel.
Books Deals

Amazon Coupons
officemax.com save an additional 20% off essential office supplies
Added on : Sunday December 22nd 2013 04:00:02 PM
g: 0 Posted By: DaysFan
Views: 236 Replies: 0 http://www.officemax.com/

code worked on scientific calculators for the kids

http://www.officemax.com/office-supplies?cm_re=homepage-_-featured3-_-essentialofficesupplies&cm_sp=homepage-_-save20perccodeholiday20-_-essentialofficesupplies

linked

Includes select case paper, supplies and regular-priced furniture.

http://www.officemax.com/catalog/2013/52/bnr-20supplies.jpg

Enter promo code HOLIDAY20 at checkout.
Valid thru 12/25/13
EE SHIPPING on most orders over $50


Code: HOLIDAY20Remove Shop Online or Use Online Store Pickup and HOLIDAY SAVINGS EVENT Get 20% off your purchase of select Case Paper, Supplies, regular priced Furniture Valid thru Wednesday, December 25 Use Promo Code:HOLIDAY20

Offers valid December 22, 2013 thru December 24, 2013. Prices vary in Alaska, Hawaii, Puerto Rico, the U.S. Virgin Islands and online. Special order required in select locations. Selection may vary by store. All items while supplies last. All quantities limited. Must present and surrender this invitation in store at OfficeMax to receive your exclusive savings. Coupon valid on regular-, promotional-, sale- and/or clearance-priced items. Void if copied, sold, transferred, taxed or where prohibited. Cannot be combined with any other coupon. Cannot be combined with associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. Not valid on purchases of gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, U.S. postage stamps, MaxAssurance, OfficeMax Essentials kits, assembly or FedEx shipping services. Not valid on prior purchases or for credit card payments. No cash or credit back. Offer is for purchase amount before taxes. No rain checks will be issued unless required by law. Cash value .001. **For online purchases, the offer is not valid on OfficeMax.com Specialty Shops, affiliated third-party websites or Business Services purchases. Discount excludes shipping and handling fees (if applicable to the order). See OfficeMax.com for full details.**Offers valid December 22, 2013 thru December 25, 2013.

Limit one coupon per customer.

Coupons are non-transferable. 20% discount applies to in-stock items only. Not applicable on special orders. No Rain Checks will be given for the 20% discount unless required by law. Cannot be combined with other offers/coupon codes, associate discount, OfficeMax Customer Perks and/or Retail Connect(SM) pricing. No price adjustments from prior purchases will be made.

Not valid on purchases of Epson Ink and toner, printers, computers, monitors, shredders, televisions, projectors, fax machines, copiers, typewriters, cash registers, hard drives and gift cards. For in-store purchases only, coupon valid on the purchase of ink and toner, case and ream paper, office supplies, Go Daddy website bundles, MiMedia cloud storage and tech services only. Coupon must be surrendered at the time of purchase. 20% discount applies to all regular-, sale-, promotional and clearance-priced items before taxes.

Additional in-store exclusions: sale-priced services. Not valid on purchases of gift cards, general-use prepaid cards, phone cards, Virgin Mobile devices, U.S. postage stamps, shredding services, printing services, MaxAssurance, OfficeMax Essentials Kits, furniture assembly or FedEx shipping services. Not valid on prior purchases or for credit card payments. For online purchases only, offer is not valid for orders on OfficeMaxSolutions.com, Maxbuyer.OfficeMax.com, OfficeMaxCommercial.com, or Government.OfficeMax.com. Coupon does not include tax and shipping.

Additional online exclusions: promotional priced and clearance furniture, software, label makers, tablets, tablet accessories, eReaders, eReader accessories, software, keyboards, mice, webcam, networking, USB drives, scanners, voice recorders, clearance items, iPad accessories, lens accessories, projector accessories, shredder supplies, typewriter supplies, appliances, printer docks, photo packs, digital cameras, camcorders, MP3 players, digital photo frames, headphones, home theater, digital voice recorders, unlocked phones, graphing calculators, GPS systems & accessories, video game consoles & accessories and audio & accessories, gaming keyboards & mice. Not Valid on HP Products, OfficeMax Impress Services, and/or 3rd Party Affiliated Sites. Cash value .001 (C)2013 OMX, Inc
Office & School Supplies Deals

OfficeMax Coupons
Craftsman 14-Piece Inch and Metric Combination Wrench Set $49.99
Added on : Sunday December 22nd 2013 01:00:02 PM
g: 1 Posted By: DaysFan
Views: 110 Replies: 1 linked

http://www.sears.com/shc/s/p_10153_12605_00939236000P

Craftsman 14-Piece Inch and Metric Combination Wrench Set
Regular price $99.99

Your savings -$50.00
$49.99

Craftsman Ratcheting Combo Wrenches Create Easy To Use Power

It's a given that work goes faster when you have the right tool, but with the Craftsman 14-pc reverse ratcheting combination wrench set you get not only a range of right tools, but smartly designed tools as well. The box ends are built with 12 contact points for better grip, while the 72-tooth ratcheting mechanism needs only five degrees of swing, making it fantastic when you're in a tight spot. The 12 degrees offset on the box end lets you work without banging up your hands.

The Craftsman ratcheting combo wrenches are made of alloyed steel tough enough to give you the torque you need for years to come. The balanced, ergonomic design keeps the wrenches comfortable in your hand for as long as you're...Craftsman Ratcheting Combo Wrenches Create Easy To Use PowerIt's a given that work goes faster when you have the right tool, but with the Craftsman 14-pc reverse ratcheting combination wrench set you get not only a range of right tools, but smartly designed tools as well. The box ends are built with 12 contact points for better grip, while the 72-tooth ratcheting mechanism needs only five degrees of swing, making it fantastic when you're in a tight spot. The 12 degrees offset on the box end lets you work without banging up your hands.The Craftsman ratcheting combo wrenches are made of alloyed steel tough enough to give you the torque you need for years to come. The balanced, ergonomic design keeps the wrenches comfortable in your hand for as long as you're working.

With a range of wrenches in popular metric and inch sizes, the Craftsman 14-pc reverse ratcheting combination wrench set gives you the variety to handle the most common jobs around the house or the garage
Ratcheting box end speeds up work with 12 points for better contact and improved torque
One-hand reversing level
Box end is offset 12 degrees
72-tooth ratcheting mechanism rotates fast with only 5 degrees of swing
Made of rugged alloyed steel
The set includes seven inch sizes: 5/16, 3/8, 7/16, 1/2, 9/16, 5/8, 11/16
The other seven wrenches are metric: 8, 10, 12, 13, 14, 15, 17 mm


Tools Deals

Sears Coupons
g: 0 Posted By: bpvh
Views: 279 Replies: 0 OfficeMax 20% off coupon (exclusions apply) thru 12/24 (in-store) 12/25 (online)


In-store Coupon: PENDING SITE UPDATE LINK

Online Coupon Code: HOLIDAY20


Terms In-store (per online note):

*Offers valid December 22, 2013 thru December 24, 2013. Prices vary in Alaska, Hawaii, Puerto Rico, the U.S. Virgin Islands and online. Special order required in select locations. Selection may vary by store. All items while supplies last. All quantities limited. Must present and surrender this invitation in store at OfficeMax to receive your exclusive savings. Coupon valid on regular-, promotional-, sale- and/or clearance-priced items. Void if copied, sold, transferred, taxed or where prohibited. Cannot be combined with any other coupon. Cannot be combined with associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. Not valid on purchases of gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, U.S. postage stamps, MaxAssurance, OfficeMax Essentials kits, assembly or FedEx shipping services. Not valid on prior purchases or for credit card payments. No cash or credit back. Offer is for purchase amount before taxes. No rain checks will be issued unless required by law. Cash value .001. **For online purchases, the offer is not valid on OfficeMax.com Specialty Shops, affiliated third-party websites or Business Services purchases. Discount excludes shipping and handling fees (if applicable to the order). See OfficeMax.com for full details.

Terms Online:

**Offers valid December 22, 2013 thru December 25, 2013. Limit one coupon per customer. Coupons are non-transferable. 20% discount applies to in-stock items only. Not applicable on special orders. No Rain Checks will be given for the 20% discount unless required by law. Cannot be combined with other offers/coupon codes, associate discount, OfficeMax Customer Perks and/or Retail Connect(SM) pricing. No price adjustments from prior purchases will be made. Not valid on purchases of Epson Ink and toner, printers, computers, monitors, shredders, televisions, projectors, fax machines, copiers, typewriters, cash registers, hard drives and gift cards. For in-store purchases only, coupon valid on the purchase of ink and toner, case and ream paper, office supplies, Go Daddy website bundles, MiMedia cloud storage and tech services only. Coupon must be surrendered at the time of purchase. 20% discount applies to all regular-, sale-, promotional and clearance-priced items before taxes. Additional in-store exclusions: sale-priced services. Not valid on purchases of gift cards, general-use prepaid cards, phone cards, Virgin Mobile devices, U.S. postage stamps, shredding services, printing services, MaxAssurance, OfficeMax Essentials Kits, furniture assembly or FedEx shipping services. Not valid on prior purchases or for credit card payments. For online purchases only, offer is not valid for orders on OfficeMaxSolutions.com, Maxbuyer.OfficeMax.com, OfficeMaxCommercial.com, or Government.OfficeMax.com. Coupon does not include tax and shipping. Additional online exclusions: promotional priced and clearance furniture, software, label makers, tablets, tablet accessories, eReaders, eReader accessories, software, keyboards, mice, webcam, networking, USB drives, scanners, voice recorders, clearance items, iPad accessories, lens accessories, projector accessories, shredder supplies, typewriter supplies, appliances, printer docks, photo packs, digital cameras, camcorders, MP3 players, digital photo frames, headphones, home theater, digital voice recorders, unlocked phones, graphing calculators, GPS systems & accessories, video game consoles & accessories and audio & accessories, gaming keyboards & mice. Not Valid on HP Products, OfficeMax Impress Services, and/or 3rd Party Affiliated Sites. Cash value .001 (C)2013 OMX, Inc
Office & School Supplies Deals

OfficeMax Coupons
g: 0 Posted By: bpvh
Views: 97 Replies: 0 OfficeMax 20% off coupon (exclusions applu) thru 12/24 (in-store) 12/25 (online)


In-store Coupon: PENDING SITE UPDATE LINK

Online Coupon Code: HOLIDAY20


Terms In-store (per online note):

*Offers valid December 22, 2013 thru December 24, 2013. Prices vary in Alaska, Hawaii, Puerto Rico, the U.S. Virgin Islands and online. Special order required in select locations. Selection may vary by store. All items while supplies last. All quantities limited. Must present and surrender this invitation in store at OfficeMax to receive your exclusive savings. Coupon valid on regular-, promotional-, sale- and/or clearance-priced items. Void if copied, sold, transferred, taxed or where prohibited. Cannot be combined with any other coupon. Cannot be combined with associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. Not valid on purchases of gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, U.S. postage stamps, MaxAssurance, OfficeMax Essentials kits, assembly or FedEx shipping services. Not valid on prior purchases or for credit card payments. No cash or credit back. Offer is for purchase amount before taxes. No rain checks will be issued unless required by law. Cash value .001. **For online purchases, the offer is not valid on OfficeMax.com Specialty Shops, affiliated third-party websites or Business Services purchases. Discount excludes shipping and handling fees (if applicable to the order). See OfficeMax.com for full details.

Terms Online:

**Offers valid December 22, 2013 thru December 25, 2013. Limit one coupon per customer. Coupons are non-transferable. 20% discount applies to in-stock items only. Not applicable on special orders. No Rain Checks will be given for the 20% discount unless required by law. Cannot be combined with other offers/coupon codes, associate discount, OfficeMax Customer Perks and/or Retail Connect(SM) pricing. No price adjustments from prior purchases will be made. Not valid on purchases of Epson Ink and toner, printers, computers, monitors, shredders, televisions, projectors, fax machines, copiers, typewriters, cash registers, hard drives and gift cards. For in-store purchases only, coupon valid on the purchase of ink and toner, case and ream paper, office supplies, Go Daddy website bundles, MiMedia cloud storage and tech services only. Coupon must be surrendered at the time of purchase. 20% discount applies to all regular-, sale-, promotional and clearance-priced items before taxes. Additional in-store exclusions: sale-priced services. Not valid on purchases of gift cards, general-use prepaid cards, phone cards, Virgin Mobile devices, U.S. postage stamps, shredding services, printing services, MaxAssurance, OfficeMax Essentials Kits, furniture assembly or FedEx shipping services. Not valid on prior purchases or for credit card payments. For online purchases only, offer is not valid for orders on OfficeMaxSolutions.com, Maxbuyer.OfficeMax.com, OfficeMaxCommercial.com, or Government.OfficeMax.com. Coupon does not include tax and shipping. Additional online exclusions: promotional priced and clearance furniture, software, label makers, tablets, tablet accessories, eReaders, eReader accessories, software, keyboards, mice, webcam, networking, USB drives, scanners, voice recorders, clearance items, iPad accessories, lens accessories, projector accessories, shredder supplies, typewriter supplies, appliances, printer docks, photo packs, digital cameras, camcorders, MP3 players, digital photo frames, headphones, home theater, digital voice recorders, unlocked phones, graphing calculators, GPS systems & accessories, video game consoles & accessories and audio & accessories, gaming keyboards & mice. Not Valid on HP Products, OfficeMax Impress Services, and/or 3rd Party Affiliated Sites. Cash value .001 (C)2013 OMX, Inc
Hypothetically speaking, need tax advice
Added on : Friday December 20th 2013 07:00:08 PM
g: 0 Posted By: chrislk1986
Views: 117 Replies: 2 If our household was expecting to bring in about $41-$44K this year, then during the last two weeks was informed they would be recieving $40,000 in additional income (but no date is given). If additional income is received in 2013, will there be any way to reduce taxes? What is the going tax rate on $84k?

Married, filing jointly. 2 Kids. Don't own a home. Zero debt/no loans...

If the money is received in 2014, I already have a plan.

I'm terrible at speaking in hypothetical.
Personal Finance Deals
Free Kindle Book- Revealing Jesus: A 365-Day Devotional (was $19.99)
Added on : Friday December 20th 2013 02:00:05 AM
g: 1 Posted By: remick
Views: 207 Replies: 0 http://www.amazon.com/Revealing-Jesus-Devotional-Darlene-Zschech-ebook/dp/B00BQYK1IK

4.8 out of 5 stars (129 customer reviews)

Darlene Zschech has led millions of Christians in worship as she's written and performed such songs as "Shout to the Lord" and penned bestsellers Extravagant Worship and The Kiss of Heaven. This collection of all new thought-provoking devotions has been designed to accompany her upcoming live album, which will be produced by four-time Grammy award winner Israel Houghton, and will include guest performances by Kari Jobe and Michael W. Smith.

Each devotion will reflect on grace given to the reader through Christ's life, death, and resurrection. This beautifully packaged book will be released in conjunction with the album. Perfect for Christians looking for fresh readings on the passion and resurrection of Christ, or as a thoughtful seasonal gift.
Books Deals

Amazon Coupons
Dr. Double-billing issue
Added on : Thursday December 19th 2013 07:00:10 AM
g: 0 Posted By: jj2292
Views: 51 Replies: 0 Can someone tell me if this is legal??!!

I had surgery (self-pay) with a doctor. He billed me for an additional surgery (never told me there would be an extra charge) that took place during the main surgery. I asked for them to put it through insurance to see what they would reimburse me, after paying $14000+ for the main surgery. I get reimbursed from the insurance company and pay the bill the doctor had given me. The doctor cashed my check AND now wants the insurance reimbursement check as well. He is out of network. Is this legal??? What can I do, if anything? They are now telling me they will add 50% to my bill if they have to put me in collections. WTF???!!!
Personal Finance Deals
g: 0 Posted By: xbsd
Views: 35 Replies: 0 Thought it worthwhile, given all the attention these days on Data Science, etc ... to point out a new Machine Learning course being offered by OpenEdX Stanford starting on January 21st, 2014 - it's on statistical learning and covers a broad range of topics on stats and machine learning. The interesting bit is that it is being taught byTrevor Hastie & Rob Tibshirani- who are considered one of the foremost authorities in the subject. Many data science / machine learning practitioners (including many I know in my field) learn the subject from reading the famous text --Elements of Statistical Learning. The course is being taught using R which could be especially useful given the other / currently most popular Machine Learning course from Andrew Ng is based on Octave.

Link to Course: Statistical Learning



Totally Free Deals
Approach that would maximize value
Added on : Wednesday December 18th 2013 07:00:08 AM
g: 0 Posted By: Veeekay
Views: 153 Replies: 0 Company A has approached me to provide domain expertise to an offshore technical team for Company B that would deliver services for Company A.

I have the following options (all requiring me to move offshore):

X. W2 for Company A
Y. 1099 for Company A
Z. Employee or Contractor for Company B (I did not use the terms W2 or 1099 as they do not exist in the offshore country)

Company B has also offered me a % of revenue based on billing to company A.

Company B has no domain expertise, as the domain knowledge is specific to the US. They would provide with technical skills and I will be responsible for selecting the team members for initial ramp up and ongoing basis. I will be responsible for delivery to Company A and will be running the show. Company B will take care of billing, real estate and other amenities required for work. Company B's billing rate on an average is 4-5 times the pay rate of the individuals working in the team.

Questions:
1. Given the billing rate vs. the risk taken by company B, what should the % of revenue I should expect. Is 20% optimal/low/high?
2. If I do an NDA with company B, should I be concerned if I get a % of revenue and take options X or Y?.

I will provide more information as needed, but cannot get into specifics given the nature of the question.
Personal Finance Deals
g: 1 Posted By: bittul
Views: 172 Replies: 4 LONG POST! (warning)

Copied and Pasted from SD (where xanchui did an awesome job putting this together).

$5 Coupon for 2013 Editor's Choice Games details
"Our Editor's Choice Best Games of 2013 will be determined in the coming weeks. Customers will receive a $5 promotional credit for each qualifying purchase, but the promotional credits cannot be stacked on top of each other when they are used. Customers who qualify for this promotional credit will receive the notification e-mail on or within 48 hours after January 3, 2014. Please remember: Holiday promotional credits given out for Digital Games purchases cannot be redeemed until January, 2014."

Notable Sales: (Looks like FW can't handle such a long post... So bear with me as I post them into the replies.)

Video Games Deals

Amazon Coupons
g: 0 Posted By: jehjeh
Views: 135 Replies: 0 https://www.armsunlimited.com/SureFire-30th-Anniversary-Collecto...

E1B Backup Flashlight
This ultra compact dual-output flashlight was designed as a backup light for patrol officers or a primary light for plain-clothes officers, but it's also ideal for outdoor, personal defense, and everyday use. The Backup's tailcap switch activates the flashlight at either output level. Press or click for a 110-lumen high beam-more than enough light to temporarily disorient an aggressor. Release or click off, then press or click on again within two seconds for a 5-lumen long-runtime low beam that's ideal for reading a map or navigating a trail without degrading your night-adapted vision. The smooth, hard-anodized aluminum body takes it is easy on clothing and the two-way clip lets you carry the light head-up or head-down.

The SureFire Pen
Machined from high-strength aluminum and given an attractive Mil-Spec hard anodized finish, this eye-catching and spike-tough writing instrument writes effortlessly, but can provide a tactical advantage in case of emergency. It features a tumble-polished stainless steel tip, pocket clip, and a window-breaker tailcap-just in case. Made in the U.S., it comes with an imported Schmidt easyFLOW ink cartridge but is fully adjustable to accept most ink cartridges between 3.875" and 4.25" long.
Most inappropriate things a banker has asked you
Added on : Tuesday December 17th 2013 11:00:06 AM
g: 0 Posted By: jetsfan92588
Views: 200 Replies: 3 I think this could be an interesting thread given that many here deal with bankers/tellers a lot. Mine aren't particularly inappropriate, they just don't seem like questions that a banker really needs to be asking and it's not really any of their business, but I must imagine that some people have gotten some really inappropriate questions.

- I asked to go into my safe deposit box and the banker asked if I was putting something in or taking something out. I'm not sure if she was joking or not but I chuckled and she immediately became embarrassed because I think she realized that's not something she should ask.
- I deposited about 7500 in cash into my checking account and the teller asked me whether I was going to keep the money in there for a while or move it somewhere else. I said "I don't know" and she proceeded to tell me that I should open up another account to split the money up because if I lost my ID someone could take the money out of it with my ID. I'm not sure if she was just trying to get me to open another account or if she was prompted to fill out a FinCEN report or something, but that was a pretty funny excuse that she used to ask me that question.
General Economics Deals
Tax implications - When is debt considered cancelled in a Deed In Lieu?
Added on : Monday December 16th 2013 12:00:08 PM
g: 0 Posted By: BocephusSTL
Views: 112 Replies: 0 My brother is going through a Deed-In-Lieu with BOA, and he is concerned about the potential tax liability if it's not completed by Dec. 31, because of the expiring Mortgage Forgiveness Debt Relief Act (MFDRA). They told him it's in the final stages of completion (post-closing dept.), but that it probably won't be fully completed for a couple of months. I'm hoping someone here might have relevant experience to determine when a DIL is considered complete for tax purposes.

The facts as he relayed them to me are:

His file is in the Post-Closing Dept. at BOA
The Warranty Deed where he signed the property back to BOA, and BOA's Deed of Release, have both been recorded with the county.
The post-closer said his incentive check is on the way.
He called the IRS, and was told that the determining factor for meeting the Dec. 31 deadline of the MFDRA expiration is that the debt must be cancelled by that date.
Post-closer told him she "thinks" the Deed of Release is the point at which the debt is considered cancelled, but she's not certain.
BOA still has to transfer the property to HUD, clear things off their books, report to CRAs, etc, which could take another couple of months.

The person at IRS told him that it's completely up to the bank as to when they consider the debt cancelled. The post-closer from the bank told him she "thinks" the recording date of the Deed of Release is what would be considered the date of debt cancellation in his case, but she wasn't sure. He is worried they won't consider it cancelled until it's fully off their books and reported to the CRAs. If that's after Dec. 31, the cancelled debt will be subject to taxes, which he can't pay so is obviously trying to avoid that situation.

Another question that came up when he talked to the IRS, could potentially make all of this moot. The IRS person told him that because it's an FHA loan,there technically won't be any cancelled debt because the mortgage insurance claim that will be paid to BOA effectively makes them whole. As a result, my brother won't be subject to income tax of the "cancelled debt". This kind of makes sense, but then again, it sounds too good to be true.

Any tax or legal experts here who can be any more definitive about these questions? I wore out my Google-Fu trying to get answers, but the only information I could find wasn't specific to these details.
Thanks!
Discussion Deals
g: 0 Posted By: limitsc
Views: 217 Replies: 1 I know this type of thing has been discussed at length on here and I have read a lot of it out of general interest (I am a new loan officer and try to learn when I can).

Still I am not 100% how to go about this situation, because I guess I thought when it came to stuff like this, the debt in collections was usually either valid where prior notice was given, or completely invalid (where the advice was usually to dispute and request validation).

In my case, I got a new job. Had insurance at old job, new job insurance didn't kick in for like 1.5 months. I take a prescription med, refilled monthly. A little over a month after starting my new job, it came time to get a refill. Honestly, I had no clue whether my old insurance was still active. I did ask several people, and was told that I would be notified when it was cut off. Still not 100% sure, I went to my pharmacy and spoke to them about the issue and whether I would have to pay out of pocket that month, which would have been fine...we are talking probably ~$200 vs the crappy $60 copay for that previous insurance. They said they would just submit it in their system and see, and once they did that they confirmed it was covered, no problem. I thought it was that simple, anyway. That was on 7/15/13.

Never heard anything else about it. By the next month (August), my new insurance had started. Also, I was on the phone with my old insurance several times around this time because I had to get a cert. of credible coverage. I am pretty sure I remember them saying they had not received notice of my cancellation and were going to do it at that point (because I had told them).

Fast forward to last Friday (12/13/13), I get a letter in the mail from RMS, what appears to be a collection agency. It states the INS company has placed my account for collection (for $130) due to overpayment on prescription drug coverage. It also says "They have sent you previous notice(s) on this account requesting payment." It also has a blank and asks me to furnish my phone number. So I am pretty upset at this, because I am 27 and started my credit when I was 18. I still have that first credit card that started with $250 CL and now is just south of $20K. I have over 35 accounts on my report without a single negative. Also, I would very much like to buy a house, hopefully in the next year. Also, I am pretty certain the INS company NEVER sent anything notifying me of this. The phone number they had on file was my parents' home number where I no longer reside, however I am certain that if they had ever called then my parents would have told me. I stop by weekly to pick up mail that still gets sent there also.

The only thing I have done so far is contact the original INS company today. The lady said that accoridng to her record, my coverage ended on 6/30, however they weren't notified until 7/28 which must have been why they approved the prescription on 7/15. She said I should have received notices, and could not explain why I did not and all she could do was apologize and tell me to call the collection agency. I don't care about the $130....if my coverage had ended then that's fine. My main concern is a collection account showing on my CR, but I feel like if I go ahead and pay the collector it will show up anyway. Does anyone have suggestions on how to proceed?
Question Deals
g: 0 Posted By: DaysFan
Views: 140 Replies: 0 linkedReceive a Complimentary Tote with your large spray purchase from the Givenchy fragrance collectionWeb ID: 1137039Product DetailsReceive a Complimentary Tote with your purchase of a large spray from the Givenchy fragrance collection.

Your gift will be added automatically at checkout with your qualifying Givenchy fragrance purchase. Minimum purchase amount does not include the purchase of gift card(s), tax, shipping or gift wrap charges.
One gift per customer. Available while supplies last.


Free Shipping at $50! Enjoy Free Shipping with any $50 Purchase!

http://www1.macys.com/shop/product/receive-a-complimentary-tote-with-your-large-spray-purchase-from-the-givenchy-fragrance-collection?ID=1137039&CategoryID=30076&kws=1137039



Purse Deals

Macy's Coupons
g: 0 Posted By: remick
Views: 57 Replies: 0 http://www.amazon.com/All-Have-Give-Christmas-Story-ebook/dp/B006T46KLY

4.2 out of 5 stars(44 customer reviews)

Anna and Michael have been trying for years without success to have a baby. Now in her late thirties, Anna has given up on the hope of motherhood after heartbreaking miscarriages and shattered dreams. As Christmas nears, she has to consider the possibility that it might be time to empty out the nursery and convert it to a guest room. Amidst her heartache, Anna secretly struggles with strange health problems that have her very worried.
But, as often happens at Christmastime, there are miracles in store for Anna and Michael. As each tries to give the other the perfect Christmas gift the magic of Christmas is working its way into their lives. And what each of them unwraps for Christmas will surprise everyone.
Books Deals

Amazon Coupons
g: 2 Posted By: DaysFan
Views: 1984 Replies: 4 2 Day Free Gift Card Event

Offer available online only. Offers valid 12/13/13-12/14/13 at 11:59 PM PST.

Target Gift Card with Purchase of Select items


Free Target gift card with purchase of select items. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/14/13 at 11:59pm PST.


http://www.target.com/c/2-day-sale-ways-to-shop/-/N-55iaq#?lnk=Other_120813_HP_E1|E1|T:Template_Home5|C:&intc=1502318|null

linked
Gifts Deals

Target Coupons
Target.com 2 Day Free Gift Card Event
Added on : Saturday December 14th 2013 01:00:03 AM
g: 0 Posted By: DaysFan
Views: 189 Replies: 0 2 Day Free Gift Card Event

Offer available online only. Offers valid 12/13/13-12/14/13 at 11:59 PM PST.

Target Gift Card with Purchase of Select items


Free Target gift card with purchase of select items. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/14/13 at 11:59pm PST.


http://www.target.com/c/2-day-sale-ways-to-shop/-/N-55iaq#?lnk=Other_120813_HP_E1|E1|T:Template_Home5|C:&intc=1502318|null

linked
Gifts Deals

Target Coupons
g: 0 Posted By: canavja
Views: 176 Replies: 3 Limit of 10,000 given away. Needed to be a member of Box Tops Program before 12/8:
https://www.boxtops4education.com/login?redirectUrl=%2fmembersamples -Check your e-mail from Box Tops for your direct linkif above link isn't prompting you to log in.
Memberships & Services Deals
35 and financially on the right track, but want to stay there.....
Added on : Thursday December 12th 2013 03:00:05 AM
g: 0 Posted By: dan812
Views: 171 Replies: 3 I know many people post about finances and thankfully I have been following the advice given for the past 10 years. I want to see where I can do a little better for down the road and that is why I am posting;
Married with a 2 year old and one on the way. We have 2 cars both paid for, we own a house which we owe $250k on (15 year mortgage at 2.5% which I am paying $5k month so it will be paid off in 7 years)
Combined Income is $140k/year, Savings is $165k, retirement and stocks $100k, no credit card debt or other debt.
Monthly bills are; electric, water, heat, cell phones, groceries = $650/month
When the second child is due we will have to have someone watch the baby and then will also be paying for school for the other one since my wife and I both work.
She has a 401k at her job, not offered at my job; My healthcare is through her work;
Currently I am on the right track and want to stay there !!

General Economics Deals
Auburn Fans, Jump on the Bandwagon on the Cheap at Lids
Added on : Wednesday December 11th 2013 05:00:05 PM
g: 0 Posted By: bluespeed22
Views: 266 Replies: 0 Timing seemed appropriate given the Tigers' date with destiny next month. Toddler and youth apparel starting for < $3 and adult apparel for $4.08 and up.

There are plenty of other schools and pro teams with clearance merchandise as well, just seemed to be a lot of Auburn gear as I skimmed through earlier today.

Take 40% off clearance (already marked down), plus 30% off orders over $50 + FS on orders over $24.95. Use code GRNMD30.

Note that all clearance sales are final!

clearance
Clothing Deals

Lids.com Coupons
Target.com Cyber Friday Sale 12/06/13
Added on : Friday December 06th 2013 05:00:04 PM
g: 0 Posted By: DaysFan
Views: 509 Replies: 0 http://www.target.comCyberFriday SaleSave 5%-40% on select items through 12/6/13 at 11:59 PM PST. Not valid on previous orders. Quantities limited. Offer available online only.Free Standard Shipping only to the 48 Contiguous United States, as well as APO/FPO. Valid on Standard and To the Door Shipping only. Not valid on previous orders. Offer expires 12/6/13 at 11:59 PM PST.


$200 Gift Card with Purchase of a Select Indoor Cycle
Offer available online only. Receive a $200 gift card with purchase of a Tour de France Indoor Cycle. Quantities limited. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/6/2013 at 11:59pm PST


.$10 Gift Card with Purchase of a Select Canon Digital Camera
Offer available online only. Receive a $10 gift card with purchase of a Canon PowerShot Elph 115 16MP Digital Camera with 8x Optical Zoom with Memory Card and Case - Silver. Quantities limited. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/6/2013 at 11:59pm PST.

$10 Gift Card with Purchase of a Select Kurio 7S Table
tOffer available online only. Receive a $10 gift card with purchase of a Kurio 7S Family Tablet bundle with Blue Folio Case &USB Car Charger. Quantities limited. Quantities limited. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/6/2013 at 11:59pm PST

.$20 Gift Card with Purchase of a Keurig K10 Mini Plus Brewer
Offer available online only. Receive a $20 gift card with purchase of a Keurig K10 Mini Plus Brewer. Quantities limited. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/6/2013 at 11:59pm PST.

Free Snugabunny Bouncer with Purchase of a Snugabunny Swing
Offer available online only. Receive a free Snugabunny Bouncer when you purchase a Snugabunny Swing. Quantities limited. Not valid on previous orders. If qualifying item in your order is returned, refund value will be reduced by the prorated amount of the free item. Free item will be sent to the same address as your order and may ship separately. Offer expires 12/6/13 at 11:59pm PT.


$40 Gift Card with Purchase of a Select Canon Camera

Offer available online only. Receive a $40 gift card with purchase of a Canon EOS Rebel SL1 18MP Digital SLR Camera with 18-55mm and 75-300mm Lenses, Memory Card, Bag, and DVD. Quantities limited. Offer available online only. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/6/2013 at 11:59pm PST.

$30 Gift Card with Purchase of a Select Oral-B Electric Toothbrush
Offer available online only. Receive a $30 gift card with purchase of an Oral-B Precision Black 7000 Rechargeable Electric Toothbrush. Quantities limited. Offer available online only. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/6/2013 at 11:59pm PST.

$50 Gift Card with Purchase of a Select Canon Digital Camera
Offer available online only. Receive a $50 gift card with purchase of Canon EOS Rebel 60D 18MP Digital SLR Camera with 18-135mm IS Lens, Backpack, Memory Card, and DVD - Black. Quantities limited. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/06/2013 at 11:59pm PST.

$50 Gift Card with Purchase of a Select Remington Hair Removal System
Offer available online only. Receive a $50 gift card with purchase of Remington i-LIGHT Pro Intense Pulsed Light Hair Removal System. Quantities limited. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 12/6/2013 at 11:59pm PST.Buy 3 Get 1 Free on Select Kids Sleepwear through December 7, 2013Buy 3 select Kids' sleepwear items, get the fourth one FREE. Discount applied at Checkout. Offer excludes Clearance items. Discount not applicable to gift wrap, tax, or shipping and handling charges. May not be applied to previous orders. Offer expires 12/7/13 at 11:59 PM PT.

http://www.target.com/

http://www.target.com/#?lnk=icon_t_spc_1_0

Cameras Deals

Target Coupons
Step2 Deluxe Art Master Desk @ Kohl's - $52.99 after Coupon
Added on : Wednesday December 04th 2013 04:00:07 PM
g: 0 Posted By: Virgil27
Views: 439 Replies: 0 Step2 Deluxe Art Master Desk @ Kohl's - $52.99 after Coupon
compare at $86.99
Free Shipping!Is the kitchen table getting too much paint stains from your kid artist? Given them a workspace of their own with this Step2 Deluxe Art Master Desk with $34 off the next lowest price after coupon with free shipping!

Coupons
CYBERSAVE - 20% off Purchase  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
Home & Garden Deals

Kohl's Coupons
New Arrivals: Givenchy - Floral Print Black Silk Square Scarf
Added on : Wednesday December 04th 2013 09:00:05 AM
Made in Italy.
g: 0 Posted By: remick
Views: 584 Replies: 0 http://www.amazon.com/Manifest-NOW-Identifying-Reversing-Limiting-ebook/dp/B00GRELZ3Y

"You do not attract what you want. You attract what you are." -Dr. Wayne Dyer
This is a Straightforward Guide for Changing Anything in Your Life
Do you know how to use your conscious mind to change your beliefs?
Have you been using The Law of Attraction with no results?
Do your dreams and desires seem "out of reach" for you?
Are you "stuck"?
You have been given the free will to create the reality that you desire!
This book will teach you just how practical creating your reality can be!
You will learn exactly how to identify the limiting beliefs you have.
Discover Five Quick & Easy Methods for reversing a limiting belief that you can use pretty much anytime and anywhere.
Also, you will learn One Extremely Powerful Method for literally uprooting any limiting belief you might have!

Stop wasting time with unhelpful and unrealistic Law of Attraction resources that tell you to just wish, hope, and dream. We all know there's more to it than that! This book will give you a tangible, step-by-step process that will guide you into the deepest parts of yourself and facilitate your journey to making meaningful life changes.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 120 Replies: 0 http://www.amazon.com/Manifest-NOW-Identifying-Reversing-Limiting-ebook/dp/B00GRELZ3Y

"You do not attract what you want. You attract what you are." -Dr. Wayne Dyer
This is a Straightforward Guide for Changing Anything in Your Life
Do you know how to use your conscious mind to change your beliefs?
Have you been using The Law of Attraction with no results?
Do your dreams and desires seem "out of reach" for you?
Are you "stuck"?
You have been given the free will to create the reality that you desire!
This book will teach you just how practical creating your reality can be!
You will learn exactly how to identify the limiting beliefs you have.
Discover Five Quick & Easy Methods for reversing a limiting belief that you can use pretty much anytime and anywhere.
Also, you will learn One Extremely Powerful Method for literally uprooting any limiting belief you might have!

Stop wasting time with unhelpful and unrealistic Law of Attraction resources that tell you to just wish, hope, and dream. We all know there's more to it than that! This book will give you a tangible, step-by-step process that will guide you into the deepest parts of yourself and facilitate your journey to making meaningful life changes.
Books Deals

Amazon Coupons
g: -28 Posted By: medion
Views: 3053 Replies: 26 I apologize, but this may be a bit long winded. Here's the full story. I'm also not going to name the company involved, as I'm not interested in dragging a company name through the mud with this post.

My initial purchase was in May 2012. I purchased an audio amplifier from an online store that also has their own store-brand equipment. As such, you go through the store not only for returns/exchanges (45-day limit), but also for warranty service (1-year limit). This amplifier died in September 2013, more than one year after purchase. I didn't want to blow another $100 on a replacement amp unless I had to, so I decided to ask them how much it would cost me to have it repaired. I was pretty much dead set on <$50 = repair, and >$50 meant paying $90 for a better amp off Amazon, but I didn't tell them that.

I was shocked when they came back and said they'd do a courtesy replacement, and all that I had to do was mail it to them at my expense (roughly $15). They then clarified that the "replacement" would be a refund of $90, issued as a store credit towards any purchase. The same $90 amp on Amazon was $130 through these guys, so I figured between the extra cost and the one-way shipping, I'm paying $55 instead of $90. So, I clarified with them, stating that the credit card used in the May 2012 purchase has since been closed. They once again reiterated via email that the credit would be store-credit used towards my next purchase.

A week goes by and I've since received a store credit via email, but it doesn't reflect online. So, I called them and the rep stated that the store credit doesn't show up, but will be applied after purchase. So, I ordered online and paid my $130. However, once my CC was charged, I had to call them again. This time they told me that the store credit could only be used for phone orders, not online, and that the previous rep has mislead me (actually, they said that I had lied).We switched to email correspondence, and they promised to issue the credit towards the credit card used for purchase. I once again clarified that my original CC was closed, and she stated that they would refund the card used for my most recent purchase. They said to allow 7 days for this to process.

I waited 8 days (even though these things usually take 2-3 business days), and no refund, so I called them. They informed me that the refund had in fact been issued to the old credit card. There was nothing more that they would/could do and that I was SOL, but I could try calling the issuing bank. I did in fact call the issuing bank, but the card was closed just short of a year ago. We argued and I stated that if they had accepted the refund, they were obligated to give it to the intended recipient, or return it to the refunder due to account closure (no legal citation, just me trying to sound smart). that seemed to work, so they cut mea check. They wanted to charge me a $4.95 processing fee, which I convinced them to waive. So, in the end, I did get my money back.

However, I have a VERY stale taste in my mouth from the bait and switch from the online electronics company. They came forward with an amazing offer, but botched it every step of the way. At one point near the end, their rep even said, "But we gave you an offer that we didn't have to. That should count for something!" It doesn't count if it was a bait and switch. So, as for the chargeback, I'm leaning 75/25 towards not doing it on the prinicipal that I did in fact get my money back. I only want to do it to hit them for their negligence so that they see a penatly for handling transactions in this manner. So, this thread is primairly for me to see other viewpoints and to see if my mind can be changed.

Also, keep in mind that I saved the email trail. At every step of the way there is email confirmation of what they promised to do, followed by them stating that they failed to do it, how they'd fix it, followed by another failure (rinse and repeat). The email trail makes it look like a refund was promised but never given, and can easily be printed and used for the CB.
Personal Finance Deals
g: 0 Posted By: altseeker
Views: 54 Replies: 0 Hello FWF community,

I'm hoping you can offer some sound advice for my particular situation, as you've helped many others in the past. Apologies for the abundance of text to follow, but I'll try to be as concise and clear.

Situation:
I inherited my grandfather's dwelling (studio apartment) in Moscow, Russia, after his passing last year. The property has been in my name since last October (I believe). My grandmother and my cousin have power of attorney to conduct various business related to the property (leasing, collecting rent, paying bills, etc.). They do not, however, have power of attorney to sell the property.

My grandmother has been renting out the place for the last year and collecting rent on it (it's been supplementing her monthly pension). She has also been the one paying the various bills, taxes, etc. I've been very hands-off on the whole process. Speaking with grandma the last few weeks, she's asking me to just sell the place, as it's getting difficult for her to manage all the activities on her own (I'm actually surprised she hasn't asked sooner, as she's in her 80s). While my cousin does have power of attorney, I would not count on her to get much done. The only reason she was really given power of attorney is in case something happened to grandma and I required her urgent help with the apartment.

Ideally, I would like to hold on to the property and have a property management company take care of all the necessary work associated with renting, paying bills, etc. However, I'm weary of dealing with a company located in Russia, and would much rather work with someone in the U.S. that can take care of things over there (my English is far better than Russian and I feel that if things were to go south, it's far easier to deal with an entity on U.S. soil, especially if legal action needs to be taken). So far, I've not been able to locate a company that provides this service within the U.S.

If selling the place, I would also much rather go through a company located in the U.S. that can take care of all related activities. Through my searching, I've only found Sotheby's as a possible option here. But looking through their site, it appears they only specialize in high-end real-estate abroad. I doubt they would want to touch a studio apartment in Moscow (it's not located in a high cost of living part of Moscow, and from what I've been told is worth around $130k).

If the two options above aren't realistic, I need to rely on my grandmother and cousin to take care of the sale. This means I would need to give them power of attorney to conduct the sale. From past experience, this was a big pain. In a perfect world, this is supposed to be a fairly easy thing to do via the Russian consulate. In the real world, this was a waste of time due to the consulate's general incompetence and lack of giving a sh*t (I was working with the Russian consulate in San Francisco). After spending weeks trying to get this done remotely, I finally ended up booking a flight to Moscow and spending a week there going through the process of granting grandma/cousin power of attorney. I would like to avoid travelling to Russia if at all possible.

My questions are:
*Are there any property management companies based in the US that help with properties in Moscow, Russia? If not, are there any third parties based in the US that would act as a liaison between myself and a property management company in Russia?
*If I were to sell the apartment, are there any US based companies that can facilitate the entire transaction? As above, if no US company can do this, are there any that can act as a liaison?
*If the above two aren't an option, are there at least any resources that can help with granting the needed power of attorney to my grandmother/cousin without me having to deal with the Russian consulate in the US or having to travel to Russia?

Thanks in advance.
Real Estate Deals
Discover Merchant code incorrect prevents 5% CB
Added on : Tuesday December 03rd 2013 05:00:12 AM
g: 0 Posted By: alienjedi
Views: 207 Replies: 4 Just wanted to bounce this off some of you and I think this is the right forum.

So I purchased a $400 driving experience for a friend (they get to drive a sports car at a track) and the Merchant code came up on my Discover as Education. I was expecting it to come up as a service and since it was paid for online, it would qualify for 5% Cash Back. I tried talking to one of their "charming" online employees and at first they said it was education and I would not receive 5%. I explained it is not education as it is not a driving school, it is clearly marketed as a driving experience. Their is no qualification, no certificate of completion, nothing that qualifies as an educational source. I further explained that is is a service...big mistake. The employee then took that as an outlet, ignoring proper use of punctuation, and recited their terms to me:This offer does not apply to government products or services, education providers, utilities, or travel. Amounts that are not charged to your card during your online purchase will not qualify. These purchases must be made by December 31, 2013. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible. If a purchase is not coded as an online purchase, it will not qualify.

They arguethat a service, any service, does not qualify because of the first sentence. I explained should me worded as such given the comma placement:
Gov't Product
Gov't Service
Education Provider
Etc

Finally they argued that they don't set the Merchant code, the merchant does. Hence a big FU nothing we can do about it.

Am I crazy here? I will be following up with the BBB and sending an e-mail to Discover. What other action should I take?
Personal Finance Deals
Tax options for forced cash out of stock options after acquisition?
Added on : Monday December 02nd 2013 10:00:17 AM
g: 0 Posted By: gorustyw
Views: 249 Replies: 7 Hello all,

I am an employee of a private company that is being acquired and I have vested stock options. Those options are being "cash out" rather than being converted to the stock of the acquiring company thus I will be given cash for them. My understanding is that I will be taxed as if this was "regular income"...no bueno since this will barely push me to a higher tax bracket. That being said, are there any reasonable solutions to lower my tax liability or at least move the liability to next year. Asking for the check next year is not an option.

Thanks reading my post and I'll appreciate any feed back...even the odd ones.
Tax Deals
Amex and CheapCarribean Credit Card Dispute
Added on : Monday December 02nd 2013 07:00:24 AM
g: 0 Posted By: alalex
Views: 15 Replies: 0 I purchased a vacation package from CheapCarribean which I will not be able to go to because of my father's passing. After talking to a two reps and a supervisor, they said they would cancel my booking, but keep my money as store credit. I find their no refund policy unfair and unjust. I also cannot afford them holding my money right now.

Instead of dealing with them anymore. I disputed this charge with American Express and told them the situation. American Express contacted them on November 21 2013 and CheapCarribean has still not responded back. American Express has given them until January 21 2014 to respond.

What worries me is my vacation date is December 16 and I'm afraid CheapCarribbean will not respond until after that, will mark me as no show and I will lose all my money. What should I do?
Credit Deals
Free Kindle Book- African In America (was $10.15)
Added on : Sunday December 01st 2013 01:00:05 AM
g: 0 Posted By: remick
Views: 137 Replies: 0 http://www.amazon.com/African-America-Wenceslaus-Muenyi-ebook/dp/B00GMMKWM6

This is a book never talked about before, on a subject that is rarely mentioned in today's society. When you think of Africa what comes to mind? Lions, huts, and probably starving people. Those images come from stories you have probably seen on TV about the very extremes of Africa, but just like North America, every continent has its own extreme bad and its extremely good area.

This book is not about the extremes but actually about the middle ground. I wrote this story to give people a second look at the life of a person that was actually born and raised in Africa and how life is like there. I also bridge the book to subject of how life is like being an immigrant from Africa in America. This book will show you a world you might have never seen before, and will open your eyes to just how amazing life is and why you should cherish every day you are on this planet.
This book should be read and shared so your own understanding of the world you live in. In the texts, using my knowledge and experiences I try to explain a lot of things that have taken place in Africa and exactly why they happened the way they did. I took the time to learn a lot about the history of, not only my country but, America and a few other relevant places.
This will change your life!

Have you ever wondered about Africa or had one of these questions?
1. Is Africa a country ?
2. Is always Africa dangerous and violent everywhere you go?
3. Are all African Politicians Corrupt?
4. Is Africa filled with dangerous animals like lions and zebras walking everywhere?
5. Is all of Africa poor and suffering from lack of food?

˃˃˃ This book is unlike anything you have ever read
Written by a high school student allows this book to have a view of the world that is quite young. Written by a student that had the opportunity to grow up in both cultures and go to each country's school systems means that the book gets to have a view of both system that no other book on the market has. Lastly being written by a person that's family were royalty and relatives ran the country means that the book has information that comes directly from the leaders of the country, information that many others will never have the pleasure of hearing of.

˃˃˃ This book is meant to be shared
There are so many books that everyone should read once in there life, this book should be one of them. The amount of ignorance on the topic of Africa is unnatural and if more people were to read this book, the world would be a slightly better place. The media has given Africa an image that might seem definite, but if more people were to read this book, another image, a more accurate image, would quickly replace the old one.
Scroll up and grab a copy today. The more you know about your world, the more you will love it.
Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 144 Replies: 0 http://www.amazon.com/Useful-Equations-Calculator-Civil-Exam-ebook/dp/B00D3ANVSW

Solve problems with ease. The equations in this book are relevant to the following subjects:

Geotechnical
Moisture content, dry density, void ratio, degree of saturation, relative density of soil, borrow soil, flow net, laboratory permeability tests, and effective stress
Shear strength and angle of internal friction for triaxial test
Net and ultimate bearing capacities of square, continuous, and circular footings with or without water table
Active, passive, and at-rest lateral forces per unit length of wall with surcharge load and water table, and lateral force per unit length of wall for sloping backfill and vertical wall
Gross and net bearing capacity of mat foundation in saturated clay, and depth of fully compensated mat foundation
Factor of safety against overturning and sliding of retaining walls, maximum stress at the toe, and minimum stress at the heel
Settlement of normally consolidated clay with up to 4 layers of soil given surcharge load, settlement at the center and corner of mat foundation, time rate of settlement, slope stability in saturated clay, and cyclic stress ratio
2-strut braced cut for sand, soft to medium clay, and stiff clay
Skin friction resistance, end-bearing and allowable capacities of single pile in sand or clay

Water Resources and Environmental
Pitot tube, venturi meter, and orifice
Reynolds number, friction factor, head loss using Darcy-Weisbach equation or Hazen-Williams equation, Bernoulli equation with 2 different pipe sizes, pump head, and head loss due to fittings
Open channels using Manning equation for circular, rectangular, and trapezoidal channels
Flow rate and velocity of flow for circular channel when flowing full or partially full just by entering diameter of pipe, depth of water, Mannings n, constant, and slope of energy line (no need to look up tables!!!)
Flow rate and velocity of flow for trapezoidal channel just by entering depth of water, base width of channel, side slope horizontal, Mannings n, constant, and slope of energy line
Chemical feed rate
Rapid mixing
Overflow rate
Detention time
Weir loading rate

Transportation
Sight distance and stopping sight distance
Radius of curve, tangent of curve, length of curve, middle ordinate, and external distance of horizontal curve
Stopping sight distance, passing sight distance, curve elevation, stationing of highest or lowest point of curve, and vertical clearance
Flexible and rigid pavement design

Structural
Maximum moment of simply supported and cantilever beams, moment of inertia for I-beam, T-beam, and inverted T-beam using parallel axis theorem, maximum bending stresses, and deflection of beam

This book contains 200 equations with keystrokes included for HP 35s and HP 33s calculators plus sample problems with step-by-step solutions.
Books Deals

Amazon Coupons
g: 1 Posted By: itsausername
Views: 298 Replies: 0 Per an email received:

Offer Link
Buy One Get Pizza

Free pizza offer expires on December 31, 2013.
For every $25 in Papa John's Gift Cards you will receive one code for a Free Large One Topping Pizza
Free pizza promo code expires on 1/31/2014. Good for one free large one-topping pizza. Additional toppings extra. No double toppings or extra cheese. Limited delivery area. Delivery fee may apply.
Customer responsible for all applicable taxes.


Given the frequency of 50% off daily deals of late, this is a nice way of front loading for an overall greater than 50% gross discount.

By comparison, the Papa Rewards point cost of a single large pizza normally requires at least $125 in purchases (25 points @ $5 per point). So this is equivalent to receiving 1 point per dollar spent!

Anyone know if gift card purchases earn Papa Rewards points the same way as other payments? Probably, and if so, that can add up to five more 'points' inbound.
Gifts Deals
g: 1 Posted By: DaysFan
Views: 210 Replies: 0 Online only! FREE Bloom Print 10pc Gift w/any Ulta.com $40 purchase
linked
Item #: 2253382$40.00
To receive your FREE gift:

Add the gift to your basket. A retail of $40 will show in your basket.
Continue shopping and when $40 or more in merchandise is added to your basket and your gift will turn to free.


Failure to add $40 of merchandise to your basket will result in $40 charge for the value of the samples. Not available in Ulta stores. Cannot be redeemed for cash, exchanged or applied to previous purchases. Limited to one per household. Online only. Offer starts 11-28-13 7pm. Offer is valid while supplies last. Merchandise excludes shipping and handling charges, gift card, sales tax and gift wrap.http://www.ulta.com/ulta/browse/specialOffers.jsp

PLEASE NOTE : (1) ONLY ONE PROMOTION CODE CAN BE ENTERED FOR A GIVEN ORDER PLACED ON Ulta.COM AND (2) SUPPLIES OF ALL FREE GIFT OFFERS ARE LIMITED. THERE ARE NO SUBSTITUTES.*One per customer. While supplies last.**Valid in-store and online. Enter coupon 106757 in the space provided in your shopping basket and click "apply code". Coupon offer valid through 11/30/13. Excludes salon and Benefit Brow Bar services, fragrance, prestige brands of cosmetics and skincare, and some prestige brands of haircare & nail, CHI G2, Beauty Steals and clearance. For a complete list of these excluded brands, go to Ulta.com/coupons or look for signs in our stores. Cannot be redeemed for cash or gift cards. This offer cannot be combined with any other Ulta coupon offer. Not valid on prior purchases. Limit one per customer. Void if copied or transferred and where prohibited
http://www.ulta.com/# http://www.ulta.com/#

Free shipping with a $25 purchase
code: JINGLE13

http://www.ulta.com/
Health & Beauty Deals

ULTA Coupons
Staples: Garmin 50LM auto GPS - $90, Brand New.
Added on : Thursday November 28th 2013 05:00:13 AM
g: 0 Posted By: thsze
Views: 213 Replies: 2 Staples has Garmin 50LM for $90.

Given how people gave green to the refurbished model of the same at WalMart at $69, it is a good deal.

Also 5% back for their Reward Members.

Don't forget FatCash OR Shop Discover.
Electronics Deals

Staples Coupons
HP Touchstone (Charging Dock for Touchpad) - $23.99 @ Amazon
Added on : Wednesday November 27th 2013 10:00:09 AM
g: 3 Posted By: lrothkcsa
Views: 363 Replies: 3 Linkage

Sold by WestBiz, fulfilled by Amazon (prime eligible). After collecting dust for a couple of years, I finally put Cyanogen on my Touchpad and now use it every day. USB port space is at a premium and I've been looking for one of these for a while, but always missing out.

Given the overall lameness of Black Friday this year, I'm buying much more than expected.
Tablet Accessories Deals

Amazon Coupons
Dell Venue 8 - 8" Win8.1 Tablet - Microcenter Open Box - $207.96 YMMV
Added on : Wednesday November 27th 2013 10:00:07 AM
g: 0 Posted By: adorable
Views: 313 Replies: 0 http://www.microcenter.com/product/422081/Venue_8_Pro_Tablet
4 open boxes @ $207.96 today at my local Microcenter store!! (4/5 stars on Amazon with 100+ reviews)

Given that Microcenter carries these normally at $259, expect open boxes to appear now and then throughout the year.
(They'll blow these out for the month on their BlackFriday sale however, so don't expect these open boxed items to be around long.)
Windows Tablets Deals
g: 0 Posted By: cyberpitstop
Views: 250 Replies: 0 link
~~Jakks Pacific Swing Zone Sports Ultimotion Controller Video Game
Was $79.99 Now Only $12.97 free to store shipping!Use the Swing Zone sports motion controller to swing, roll, putt, serve, and pass your way through 5 all-star sports challenges. Sports include bowling, tennis, baseball, golf and football, and each game is accompanied by its corresponding sports accessory. TV Game includes the following motion controllers: bowling ball, tennis racket, baseball bat, golf club, and football. Batteries not included.◾Handheld controller video game
◾Wireless motion control
◾Snap-on sports accessories
◾Swing, roll, pass, and serve your way through 5 sports games
◾Plug and play technology
◾No gaming console or extra software needed - all the action is built in
◾Includes accessories for baseball, football, tennis, golf, and bowling
◾Choose 1 or up to 6 competitors
◾Baseball features Home Run Bonanza game
◾Football headlines quarterback challenge in which extra points are given for hitting the targets and the referee
◾Tennis game allows you to serve, volley, and lob
◾Golf game includes long drives as well as putting
◾Bowling game has 10 frames of bowling with a ball or a turkey (on the screen only, of course)
◾Controller requires 2 AAA batteries (not included)
◾Receiver requires 4 AAA batteries (not included)
Enjoy dw

link
Video Games Deals

Meijer Coupons
g: 0 Posted By: MrsGuin
Views: 86 Replies: 0 If you buy $25 in BWW gift cards between 11/25 and 12/31/13, you are given a Blazin Bonus coupon that is worth between $5-$100 and is redeemable 1/1 - 2/28/14.
Or you can obtain a Blazin Bonus coupon by sending a SASE to:
BWW Blazin Bonus Game
PO Box 3696
Minneapolis, MN 55403
Restaurants & Entertainment Deals
Considering issuing a chargeback on a purchase, requesting your insight
Added on : Monday November 25th 2013 04:00:09 AM
g: 1 Posted By: medion
Views: 100 Replies: 1 TLDR: If you don't want to comment, use the red/green to vote.
Green = stay the course, don't do the CB
Red = you're wrong, do the CB

I apologize, but this may be a bit long winded. Here's the full story. I'm also not going to name the company involved, as I'm not interested in dragging a company name through the mud with this post.

My initial purchase was in May 2012. I purchased an audio amplifier from an online store that also has their own store-brand equipment. As such, you go through the store not only for returns/exchanges (45-day limit), but also for warranty service (1-year limit). This amplifier died in September 2013, more than one year after purchase. I didn't want to blow another $100 on a replacement amp unless I had to, so I decided to ask them how much it would cost me to have it repaired. I was pretty much dead set on <$50 = repair, and >$50 meant paying $90 for a better amp off Amazon, but I didn't tell them that.

I was shocked when they came back and said they'd do a courtesy replacement, and all that I had to do was mail it to them at my expense (roughly $15). They then clarified that the "replacement" would be a refund of $90, issued as a store credit towards any purchase. The same $90 amp on Amazon was $130 through these guys, so I figured between the extra cost and the one-way shipping, I'm paying $55 instead of $90. So, I clarified with them, stating that the credit card used in the May 2012 purchase has since been closed. They once again reiterated via email that the credit would be store-credit used towards my next purchase.

A week goes by and I've since received a store credit via email, but it doesn't reflect online. So, I called them and the rep stated that the store credit doesn't show up, but will be applied after purchase. So, I ordered online and paid my $130. However, once my CC was charged, I had to call them again. This time they told me that the store credit could only be used for phone orders, not online, and that the previous rep has mislead me (actually, they said that I had lied).We switched to email correspondence, and they promised to issue the credit towards the credit card used for purchase. I once again clarified that my original CC was closed, and she stated that they would refund the card used for my most recent purchase. They said to allow 7 days for this to process.

I waited 8 days (even though these things usually take 2-3 business days), and no refund, so I called them. They informed me that the refund had in fact been issued to the old credit card. There was nothing more that they would/could do and that I was SOL, but I could try calling the issuing bank. I did in fact call the issuing bank, but the card was closed just short of a year ago. We argued and I stated that if they had accepted the refund, they were obligated to give it to the intended recipient, or return it to the refunder due to account closure (no legal citation, just me trying to sound smart). that seemed to work, so they cut mea check. They wanted to charge me a $4.95 processing fee, which I convinced them to waive. So, in the end, I did get my money back.

However, I have a VERY stale taste in my mouth from the bait and switch from the online electronics company. They came forward with an amazing offer, but botched it every step of the way. At one point near the end, their rep even said, "But we gave you an offer that we didn't have to. That should count for something!" It doesn't count if it was a bait and switch. So, as for the chargeback, I'm leaning 75/25 towards not doing it on the prinicipal that I did in fact get my money back. I only want to do it to hit them for their negligence so that they see a penatly for handling transactions in this manner. So, this thread is primairly for me to see other viewpoints and to see if my mind can be changed.

Also, keep in mind that I saved the email trail. At every step of the way there is email confirmation of what they promised to do, followed by them stating that they failed to do it, how they'd fix it, followed by another failure (rinse and repeat). The email trail makes it look like a refund was promised but never given, and can easily be printed and used for the CB.
Personal Finance Deals
Citi Dividend World Mastercard limit?
Added on : Sunday November 24th 2013 08:00:10 AM
g: 0 Posted By: theboogeyman
Views: 0 Replies: 0 After Citi bumped my CL to $21K on my Dividend card, they stopped offering me automatic increases. They haven't given me anymore increases for over a year and a half. I try the request credit line increase link every couple of months but I have to fill out the form now. They used to give me about $3K increases every time. I did stop using this card after I switched to Chase freedom and Discover. Did Citi stop giving me increases b/c I stopped using their card or is $21K the limit?
30 day notice question
Added on : Saturday November 23rd 2013 02:00:06 PM
g: 0 Posted By: jonsudra
Views: 131 Replies: 6 In California and my lease is up November 30, 2013. The leasing office has been calling me and told me if I don't renew by 1 week prior to my lease ending they would switch me over to month to month but I said I don't want to continue my lease here so I can move closer to work but now they are saying I am responsible for rent for 30 days from giving them notice. Just wondering if this is true. From my lease I had the understanding that I only had to give notice if I was on a month to month. I haven't signed a new lease anywhere else yet I just hate my commute and want to move closer to work as soon as possible. So do I have to suck it up here for additional time or can I get out on the date of my lease ending. Thanks!

From the lease:
3. Term: This agreement shall commence on Wednesday, August 14, 2013 and continue (check one only): Through Saturday, November 30, 2013. If resident holds over after expiration of the term and landlord accepts rent from resident at the below-specified rent, the tenancy will continue on a month-to-month basis.
[this is a check box on the Lease but is not checked] on a month-to-month basis until either party shall terminate the tenancy by the giving of written notice to the other of intention to terminate at least (30) days prior to the date of termination.

9.Termination of Resident: Termination of Residency:
A) If the term provided in Paragraph 3 above is for more than month-to-month, this agreement shall be deeded a lease for said term; any holdover thereafter shall be from month-to-month on the terms and conditions of this Agreement.
B) Resident may terminate this tenancy by giving thirty (30) days prior WRITTEN notice to Resident Manager at the Rental Office and resident shall remain liable for the entire rent for said thirty (30) day period and, should notice be given prior to the expiration of lease for a term, resident will be held liable for the entire balance of the lease for said term.
C) Any holding over by resident beyond said thirty (30) day period without the prior written consent of Owner shall be deemed a Tenancy of Sufferance without the consent of the Owner, and Resident shall be liable to Owner for treble rent as damages.
D) Owner may elect to treat the tenancy as not terminated until all personal property of Resident has been removed from the Premises and/or all keys returned to owner. Resident also understands that should the Resident not fulfill the term of the lease as stated in Section 3, all concessions given must be repaid immediately upon vacating premises.

Question Deals
Help: Issues with a Mechanic
Added on : Friday November 22nd 2013 12:00:08 PM
g: 0 Posted By: fongo61
Views: 172 Replies: 0 Hey FatWallet I need your help in figuring out my next step I was recently in the market to purchase a car. I asked my friend who's knowledgeable about cars for help and he recommended a guy that his coworker deals with. The coworker has purchased several cars from him in the past and continues to do business with him.

The mechanic basically buys cars at an auction and repairs them. Being highly recommended I found a car and put down $3,000 (cashiers check) to have him fix the car. He wrote out the contract for the car stating that he would sell it for $10,500. We verbally agreed that I can have the car looked at by a second opinion and he would fix any issues. I checked on the car 2 weeks later and he completed some of the work and paid him another $1,000 and got preapproved for a loan for the remainder. He said that the car would be done in two weeks. I go to the shop on that date and he said that his kid was sick and he had to take care of him/her. So I gave him a few weeks and proceeded to follow up with him.

He said that the car would be complete last week. I told him I would take the day off of work to get the car looked at, and pay him the remainder of the balance. So I called him up that morning at 9am and 10am and he didnt reply and went to the shop to check to see if he was there. When I arrived at the shop he wasnt there and the car was in the same shape it had been the last time I visited him. I told his workers to let him know I came and called him (he didnt pick up).

In total Ive been without a car for about 10 weeks; I dont really need one, but I want to get this thing squared away. Right now Im looking at legal options and trying to figure out my next step. If you can help in any way I would greatly appreciate it.

Edit: Right now I'm looking at small claims court. I was given wrong information and thought that the amount was over the needed amount for small claims cout.

TL DR
Paid $4,000 (paid in cashiers check) to a mechanic to fix a car
Drafted a crude document stating the terms(price, car, vin, company name)
Mechanic is not being responsive
Need suggestions on next step
Personal Finance Deals
Barnes & Noble: Elf on the Shelf Set $23.96 Shipped
Added on : Friday November 22nd 2013 05:00:07 AM
g: 0 Posted By: MISTERCHEAP
Views: 229 Replies: 0 save on the Elf on the Shelf Book this Christmas season, head on over to Barnes&Noble.com where you can use code ELF20 to get 20% off select Elf on the Shelf Books! After the code, youll snag this hardcover book set for just $23.96 (reg. $29.95)! Plus, you can snag free shipping on orders over $25, so add a filler item to your cart to bring the total up to $25 and your order will ship for Free! You can also sign up for a FREE 2 month trial of Express Delivery (you should be given the option at checkout) and you can also get free express shipping.


www.barnesnoble.com
Books Deals
Sitting on cash with a student loan decision to make...
Added on : Wednesday November 20th 2013 05:00:15 PM
g: 0 Posted By: jd2010
Views: 161 Replies: 0 Time for another installment of "pay your student loans, deadbeat."

Backstory: Over the past 2.5 years my financial picture has gone like this:
Then Now IRA 0 15000 401k 0 30000 Cash 0 25000 CC Debt -20000 0 Student Loans -140000 -125000
I am juggling a lot of variables and want to rely on the wisdom of FWF to help me make the best decision. There are multiple issues at play making the right call here murky (at least in my opinion)

As of today, all student loans are consolidated on Income Based Repayment (IBR) at a weighted 7.2%. My monthly payment is around $900, which covers interest but makes near 0 dent in principal.


1) Employment - Employment and promotion prospects are murky due to bureaucracy and being under the sales dept umbrella at Fortune 500 employer. I could be out on my ass in a month if we miss #s and mgmt wants the stock to go up a penny or two. Job is also semi unique and am not sure how easily I could find similar employment at a similar comp level. Changing comp changes my monthly loan payment, and thus, the entire game if something should happen to jobby.

2) House - I missed the bottom by a lot and am not in any rush to buy now, but I'd like the liquidity to take advantage of the next crash when helicopter ben runs out of steam, along with any other FWF shenanigans that require some capital to scale.

3)Car - Has several issues and the carfax is ugly to where I am probably best served driving it into the ground. I may need to make a vehicle purchase in next year or in 5 years, depending on how long bubblegum and duct tape holds it together.

4)Bailout possibilities/point of no return- I have been hesitant to start going hard at my loans so far. I am at the income and loan amount combination, where if I don't see a jump in pay, I am probably better off doing the status quo for a while and seeing what comes down the chute from govt. Once I commit $ to loans I am basically opting out of whatever bailout may come in the future because my debt/income will likely be too low to benefit. If I get a promotion I'll likely be making enough to where I can knock them out in 5 years or so and procrastinating won't make sense. But as it is now I feel stuck.

Wildcard: GF will be graduating with 200k in debt in 1.5 years and taking job in health sector, with potentially much more lenient student loan forgiveness terms. We have no plans of getting married or having kids. However, we would consider a paper marriage should it behoove us from a student loan perspective where my loans may be able to be shell-gamed in combination with hers to maximize forgiveness benefits and start attacking the ones that make the most sense jointly.


As I see my options, they fall into varying degrees of the following two scenarios...

Continue to stockpile cash and pay the IBR minimums, which will cover interest and wait for the house of cards to fall and pray for free $.
Pros:
1) Will be in good shape if I get canned
2) if my car takes a dump
3) if at some point I want to do a house
4) Most notably, am positioning myself as well as I can to take advantage of apotential wide-reaching student loan bailout when the whole higher ed bubble goes boom.

Cons:
1) Passing onrisk-free guaranteed 7+% return (assuming no bailout)

Throw most of the 25k at student loans
Pros
1)7% return and I am a responsible FWF citizen who PHBDB.
Cons:

1) Shoots all liquidity to hell, limited ability to do house or car for foreseeable future
2) Once I go down the path of actually paying back my loans, my loan total will shrink to where I will be far less likely to qualify for any govt cheddar. It is basically a 10 year decision if I decide to start paying them down.


Would appreciate outsider input as to whether Im overcomplicating this. If I do keep stockpiling, how aggressively do I then invest it ranging from 1% CD to putting it all on black in vegas?
Personal Finance Deals
Advice for Annuities and Inflation in Retirement and Where to get Quotes
Added on : Tuesday November 19th 2013 05:00:08 AM
g: 0 Posted By: km782
Views: 62 Replies: 3 Here are my stats:
66 year old female (born in 1947)
Single, no children
Planning to retire next year
House is paid off ($250k)
$200k currently in a variable annuity traditional IRA
$200k currently in a 401k, roth IRA and savings accounts

I am on the fence about when to take social security. If I take benefits now I will get $29k/year. If I wait until I'm 70 I get $39k/year but I'll need to figure out how to bridge that gap in the mean time.

On immediateannuities.com it looks like I can get $6888/year for every $100k I invest in a fixed immediate annuity. I've got good genes given that many of my family members have made it into their 90's so I am assuming that I will make it to at least 100. That means the annuity would deliver a 6% IRR.

What worries me about fixed annuities is inflation. The CPI has gone up almost every year and I think it averages about 3% so I definitely want to factor that in. I am having trouble finding anywhere that I can easily get quotes for inflation protected annuities. I realize the payout for these is lower but I think if I live long enough I will come out ahead. Is there a good place that I can go to get quotes? It should be simple but everything I've seen requires that you call an agent and sit through a sales pitch. I'd rather just look at payouts to compare and then read the fine print of the contract to see if it will work for me.

My thinking is to determine how much money I absolutely have to have every month, subtract my social security benefits and then make up the rest with annuities. This way I can sleep soundly at night knowing that I'll be covered for life. Then, I plan to roll whatever is left over into an IRA at Vanguard. This could go towards leisure and other expenses.

I live a modest life right now and am not looking to go crazy in retirement. I haven't saved a ton of money for retirement so I think I'm realistic about my investment income. If I had some quotes though it would make it easier to plan out how much of my portfolio needs to go into annuities and how much I can comfortably withdrawl each year. If anyone has advice to offer on what you would do in my situation I'd really appreciate it.
Personal Finance Deals
g: 2 Posted By: chrispitude
Views: 289 Replies: 2 Just got a camel notification that this dropped to $479.99:

http://www.amazon.com/Brother-MFC-9970CDW-Wireless-Networking-Du...

This is a great price given the price history:

http://camelcamelcamel.com/Brother-MFC-9970CDW-Wireless-Networki...

I no longer need it as I've bought the 9340CDW from the Office Depot deal, but still wanted to pass this along.

Edit: don't forget 5% off Amazon purchases from Chase (if you enrolled).
laser printers Deals

Amazon Coupons
Brother MFC-9970CDW Color Laser Duplexing AIO - $479.99 at Amazon
Added on : Tuesday November 19th 2013 04:00:01 AM
g: 0 Posted By: chrispitude
Views: 0 Replies: 0 Just got a camel notification that this dropped to $479.99:

http://www.amazon.com/Brother-MFC-9970CDW-Wireless-Networking-Du...

This is a great price given the price history:

http://camelcamelcamel.com/Brother-MFC-9970CDW-Wireless-Networki...

I no longer need it as I've bought the 9340CDW from the Office Depot deal, but still wanted to pass this along.
g: 0 Posted By: remick
Views: 77 Replies: 0 http://www.amazon.com/Athlepreneurs-Lessons-Athletes-Business-Champion-ebook/dp/B00GM7V9J6

Do you have a business idea but no clue on where to start?
Feel overwhelmed just by thinking on all tasks between you and your dream business?
Have you ever given up because you were too afraid to fail as an entrepreneur?
If you answered yes to one of these questions, this book is for you.

Successful ENTREPRENEURS are like elite ATHLETES.
They are ATHLEPRENEURS. And you can be one!

This book will guide you to think about your business idea the same way top athletes do. They started with a dream and planned every step on their journey to winning the gold medal. They accomplished one task at a time and saw their dream becoming reality. In 8 lessons you will learn the most important areas of new businesses, each packed with inspiring stories from athletes, examples and exercises:

validate your business idea
learn how to build golden partnerships
prepare you offer (products & services)
define your ideal customer
learn how to manage a strong visual identity (name, logo and more!)
create realistic sales goals
define your marketing calendar
Business Plan: do the exercises and have the plan ready when you finish reading the book!

Start now on the journey to winning your gold medal in business!
Books Deals

Amazon Coupons
500 FREE Christmas Gifts + FS 11/18 - 11/21 FB
Added on : Sunday November 17th 2013 06:00:07 PM
g: 0 Posted By: MrsGuin
Views: 414 Replies: 0 Starting tomorrow, November 18 through November 21, 2013, at 10PM EST, CROV.com will be giving away a limited number of Christmas gifts each day. A total of 500 freebies will be given away thorughout the giveaway period.
Day 1: 50 Santa Pants Sytle Candy Bag (Start at 22:00 Nov 18,2013 EST)
Day 2: 100- 4 Colors/Set Christmas Snow Window Stickers (Start at 22:00 Nov 19,2013 EST)
Day 3: 150 Christmas Santa Claus Wine Bags (Start at 22:00 Nov 20,2013 EST)
Day 4: 200 Christmas Snowman Socks (Start at 22:00 Nov 21,2013 EST)
http://www.crov.com/activities/4-days-flash-giveawaythen click How To Get Freebies tab.
Home, Auto & Pets Deals
500 FREE Christmas Gifts 11/18 - 11/21 FB
Added on : Sunday November 17th 2013 04:00:05 PM
g: 0 Posted By: MrsGuin
Views: 186 Replies: 0 Starting tomorrow, November 18 through November 21, 2013, at 10PM EST, CROV.com will be giving away a limited number of Christmas gifts each day. A total of 500 freebies will be given away thorughout the giveaway period.
Day 1: 50 Santa Pants Sytle Candy Bag (Start at 22:00 Nov 18,2013 EST)
Day 2: 100- 4 Colors/Set Christmas Snow Window Stickers (Start at 22:00 Nov 19,2013 EST)
Day 3: 150 Christmas Santa Claus Wine Bags (Start at 22:00 Nov 20,2013 EST)
Day 4: 200 Christmas Snowman Socks (Start at 22:00 Nov 21,2013 EST)
http://www.crov.com/activities/4-days-flash-giveawaythen click How To Get Freebies tab.
Home, Auto & Pets Deals
g: 0 Posted By: billrubin
Views: 46 Replies: 0 Really very disappointed with the US Bank folks. I had not redeemed my points from the Olympic promotion so I had to keep it for a second year, then finally used them on a ticket recently. Because I had not used it enough to get a second ticket free, I had to pay for that and bought it at the same time as I was getting the free one. Given that their rules say you get double points on air, I figured I'd get double points, which is as good as I'd do with any other card I have. Well, it turns out I did not get double points and when I wrote to them to complain, I got the following reply:

We received your inquiry regarding the rewards for your account, William,and we can certainly understand your concern. The double rewards areearned on the category which has the most spending during the billingperiod and the totals for the categories are determined based on how themerchant categorizes each transaction. Our records show that the $385.80transaction is categorized under Travel Agencies and Tour Operators.Therefore, the transaction does not earn double miles as an airlinepurchase. We apologize for any inconvenience that this may cause.

This is really quite disappointing! I likely could have gotten some additional money back buying the second ticket from Orbitz or the like and going thru a referral site, so it actually cost me money to buy from them but I figured it would be easier. Now to find out that I didn't even get the double points that I really should have is the kicker. And note that while they say that they understand my concern, they did not offer to make the concession of offering me the extra points. And the transaction clearly showed "air" in the title. And my experience in the past when buying tickets from Orbitz is that the charge comes thru from the airline, so it's really THEIR agency that is causing this problem.

Anyway, I figured I'd post here to warn others not to make the same mistake.
Personal Finance Deals
g: 1 Posted By: remick
Views: 262 Replies: 0 http://www.amazon.com/Numerical-Reasoning-Practice-Tests-Explanations-ebook/dp/B00GP4A3ES

If you want to revise for numerical reasoning tests and maximise your chances of passing them, this comprehensive set of SHL-type practice tests will help you prepare in advance and pass them without worry.

"Numerical Tests - Practical Examples" is a full set of 100 practical questions designed to simulate those you can find on the real examinations given by most employers, like Deloitte, PWC, Ernst & Young, HSBC or J.P. Morgan.

With this e-book you will learn how to:
- reason
- analyse
- scan through data
- make quick calculations
- manage timing
- be alert for tricky questions

Additionally, it contains fully worked solutions with detailed explanations to each question so that you can understand it better and avoid the same mistakes in the future.


Also:

How to Cure Test Anxiety: Simple and Effective Strategies for Test-Stress Relief and Overcoming Exam Anxiety for Life (test anxiety, test anxiety cure, ... stress, test taking anxiety, anxiety) [Kindle Edition]
http://www.amazon.com/How-Cure-Test-Anxiety-Test-Stress-ebook/dp/B00GIN6YYY


Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Numerical-Reasoning-Practice-Tests-Explanations-ebook/dp/B00GP4A3ES

If you want to revise for numerical reasoning tests and maximise your chances of passing them, this comprehensive set of SHL-type practice tests will help you prepare in advance and pass them without worry.

"Numerical Tests - Practical Examples" is a full set of 100 practical questions designed to simulate those you can find on the real examinations given by most employers, like Deloitte, PWC, Ernst & Young, HSBC or J.P. Morgan.

With this e-book you will learn how to:
- reason
- analyse
- scan through data
- make quick calculations
- manage timing
- be alert for tricky questions

Additionally, it contains fully worked solutions with detailed explanations to each question so that you can understand it better and avoid the same mistakes in the future.


Also:

How to Cure Test Anxiety: Simple and Effective Strategies for Test-Stress Relief and Overcoming Exam Anxiety for Life (test anxiety, test anxiety cure, ... stress, test taking anxiety, anxiety) [Kindle Edition]
http://www.amazon.com/How-Cure-Test-Anxiety-Test-Stress-ebook/dp/B00GIN6YYY

HDHP Premiums in 2014
Added on : Saturday November 16th 2013 07:00:07 PM
g: 0 Posted By: redpoint5
Views: 77 Replies: 1 Back in June, I purchased an HSA qualified High Deductible Health Plan for my wife with a monthly cost of $92 (Portland, OR market). I researched the rates on ehealthinsurance.com, and choose the cheapest HSA qualified plan. We just got a letter in the mail saying premiums would go up in 2014. Upon further research, the cheapest HSA qualified HDHP I can find is $141. That is a 52% increase in just 1 year! What's worse, we have moved 7 miles, across the river into Washington, and the cheapest qualified HSA is $176; 91% more expensive than we were paying in 2013. Looking at other markets, LA for example, 2013 rates were $95. For 2014, they increase to $201!

I've already maxed her contribution for the year, and the rules stipulate that a HDHP must be maintained for the full 2014 year. FYI, she is a healthy 28 year old, and we currently have an annual household income of $60k.

How could rates have increased 112% in a single year? Why is there no news coverage of what appears to be a massive nationwide increase to HDHP premiums? What is the best financial move given our situation?

Discussion Deals
Seiki SE39UY04 39 inch 4k (3840x2160) for $519.99 at Amazon
Added on : Saturday November 16th 2013 01:00:04 PM
g: 0 Posted By: houkouonchi
Views: 164 Replies: 0 Here is the link:

http://www.amazon.com/Seiki-Digital-SE39UY04-39-Inch-Ultra/dp/B0...

I haven't seen this good of a price since a few days after they first debut'd the thing and it was $499 (me and my dad both got one). My dad just ordered a second one to use at home.

At 4k these monitors are only 30hz. I personally feel this is fine for desktop usage and video but it does bug some people for desktop usage.

Panel is S-MVA. Good response time, great viewing angles, good color. Almost as good as IPS but far superior contrast compared to IPS.

These are replacing dated 22 inch 4k monitors from 2003-2006 era for me. The 50 inch can take 120hz 1080p or 240hz 720p input and actually output 120hz which makes it good/great for gaming (1 frame of input lag).

The 39 inch (one linked) unfortunately has a problem where it drops half the frames when given a 1080p@120hz (or drops 75% of the frames @ 720p @ 240hz) even though it displays output just fine. Seiki have been telling me they are going to fix this for months and it should be a simple firmware fix but until that is done I wouldn't call the 39 inch version great for gaming like the 50 inch one. Seiki may fix this soon which will mean this could make an excellent gaming monitor.

I personally feel these are the best panels I have used for under $1000 by far.

Keep in mind you need a computer with HDMI 1.4 output to drive this. Any computer/OS should be able to drive this if it has thunderbolt/displayport if you use this adapter:

http://www.amazon.com/Accell-B086B-008B-2-UltraAV-DisplayPort-Ad...

This is the only adapter available that will work properly on everything in cluding Mac OS X.
LED TV Deals

Amazon Coupons
g: 0 Posted By: evmocas
Views: 234 Replies: 1 On 11/13/2013 Staples sent out an email to select customers (Premier?) entitled "1-day deal, coupons & more!". I noticed on another forum that people were stating this applied to the Nexus 7. I went in and added the code and added a Nexus 7 to my cart and sure enough it applied. I found that interesting given that it was supposed to apply to ink. Out of curiosity I took the tablet out and put another item in and sure enough it applied. Next step was obvious. Cleared out cart and put a $150 Visa Gift card in there. Sure enough it applied. Given that the Gift card has a $5 or $6 fee, I took everything out the cart and added a $150 Lowes e-gift card (physical card costs $151.95) and proceeded to check out. Got immediate confirmation of order and received the e-gift card from their vendor (giftcardmall.com) at 5:30 PM, 11/16/2013. This coupon is set to expire on 11/20/2013. Given that I have already used my one code, I can't test the system and see if it is still working so I thought maybe some of you may want to check this out.



Office & School Supplies Deals

Staples Coupons
Landlord owes me security deposit, sent "debt" to collections instead
Added on : Friday November 15th 2013 05:00:04 PM
g: 0 Posted By: atohmc
Views: 137 Replies: 3 Quick summary:

Previously renting from apartment complex owned by management company. I am located in California.

August 23 - Send email (actually, a follow-up email) detailing inhabitable living conditions in apartment. Requested to move out without being required to pay lease break fee.
August 29 - Landlord agrees. Sign document detailing our agreement. I still have my copy.
Early September - (I don't recall the actual date.) We request final inspection of apartment. We are never contacted regarding the inspection.
September 21 - Move out. Apartment is clean.
October 19 - We receive itemized statement regarding our deposit, and lease break fee is included in the statement. The statement claims we owe them money. Note also that this date is 28 days after we moved out, which is in violation of the law that requires them to refund our deposit or provide us a statement.
October 28 - After multiple attempts to contact both on the phone and in person, I finally speak to someone who can help me. She agrees that the charge should not be there and that everything will be taken care of. Unfortunately, this was verbal, but I still have the written agreement from August 29.
November 15 - I write a letter to the landlord demanding my full deposit back in full. I explain our written agreement as well as the law requiring this all be handled within 21 days of move out.
November 15 - I receive a collections letter in the mail. They have forwarded the "debt" to collections, based on the statement that included a lease break fee. Note that this is the same date as I placed my letter in the mail, so they obviously haven't received it yet.

I have a feeling that the person speaking on the phone with me wasn't intentionally lying, and perhaps a computer or someone unfamiliar with the situation was who forwarded it to collections. Regardless, I am only guessing as to their intent now, and what's done is done. The amounts in question are on the order of $1000 or so.

From previous threads, I noticed that people often advise to write a letter to the collections agency saying, "I dispute. Please validate." Would I still do that here? I do know what this "debt" is supposed to be -- the real issue is that they were given false information by my landlord. Should I bother sending them a copy of the signed agreement from August 29th, or is this one of those cases where I cut them out of the picture and deal directly with my landlord (or a lawyer)?

Thanks.
Personal Finance Deals
g: 0 Posted By: khom
Views: 488 Replies: 13 I wasn't able to find any posts related to this topic in the forums, so I'm hoping I can get some helpful feedback on this.

I'm in the snow belt, along the north east, and have a sports car that I never drive in the winter. The ideal scenario would be to store the car for the winter, and drop auto insurance altogether until spring rolls around, when it is re-activated. (Let's assume there is theft/damage protection for the vehicle that is covered by property insurance.) For motorcycles (in most states), you don't have to surrender the license plates when you drop insurance for winter storage. Unfortunately, they don't do this for cars, as the plates would have to be turned in before your insurance carrier will allow you to drop coverage. When spring comes around, the car would have to be re-registered anew. What's worse, is that DMV makes you cough up 2 years of registration fees, and you can stand to lose the remaining portion if you attempt this.

Given this scenario, to avoid the hassle of turning in plates in the fall and re-registering for the spring, the insurance coverage can be dropped to the bare minimum of liability coverage. So, once spring rolls around, one would just have to re-adjust their insurance coverage.

Has anyone used this strategy? Is there a better way?

TIA

Discussion Deals
Save by reducing auto insurance coverage while car stored for winter?
Added on : Friday November 15th 2013 02:00:04 AM
g: 0 Posted By: khom
Views: 8 Replies: 0 I wasn't able to find any posts related to this topic in the forums, so I'm hoping I can get some helpful feedback on this.

I'm in the snow belt, along the north east, and have a sports car that I never drive in the winter. The ideal scenario would be to store the car for the winter, and drop auto insurance altogether until spring rolls around, when it is re-activated. (Let's assume there is theft/damage protection for the vehicle that is covered by property insurance.) For motorcycles (in most states), you don't have to surrender the license plates when you drop insurance for winter storage. Unfortunately, they don't do this for cars, as the plates would have to be turned in before your insurance carrier will allow you to drop coverage. When spring comes around, the car would have to be re-registered anew. What's worse, is that DMV makes you cough up 2 years of registration fees, and you can stand to lose the remaining portion if you attempt this.

Given this scenario, to avoid the hassle of turning in plates in the fall and re-registering for the spring, the insurance coverage can be dropped to the bare minimum of liability coverage. So, once spring rolls around, one would just have to re-adjust their insurance coverage.

Has anyone used this strategy? Is there a better way?

TIA

Discussion Deals
iOS iPhone/iPad App - GameofWords was $0.99 now Free
Added on : Thursday November 14th 2013 10:00:07 AM
g: 0 Posted By: TheBrokenOne
Views: 239 Replies: 0 Game of Words, was 0.99 -> Free
https://itunes.apple.com/us/app/game-of-words/id727459256?mt=8

Category: Games
Released: Nov 14, 2013
Version: 1.0
Size: 2.4 MB
Language: English
Copyright 2012 Trivia Labs. All rights reserved.

Compatibility: Requires iOS 5.0 or later. Compatible with iPhone, iPad, and iPod touch. This app is optimized for iPhone 5.

There are no reviews for the latest update.

Description:"Great word game that challenges and relaxes you at the same time. Good for learning new words too. I highly recommend it." - Piperidine

Game of Words is a new kind of word puzzle game for phones and tablets. It contains elements similar to crossword puzzles and word jumbles. You can complete the game in any order you like. There is no time limit, no score and no penalty for trying different combinations. In case you get stuck, there are extra hints available to help you.

This game has been designed from the ground up to work with any screen size from phone to tablet to give the user an enjoyable experience.


Features
--------------
Clean interface designed for simple and easy game play for all screen sizes
Fun and challenging
Forty levels with six additional expansion packs
Expand your vocabulary with thousands of words
Extra Hints are available if you're stuck by revealing a letter, a tile, or the whole word


Gameplay
--------------
The goal is simple; complete the level by finding words on the screen in any order.

You are given hints on the left with additional information on the right, to help you decipher the hint. You have the option of what that additional information is. Either the number of letters, a scrambled representation of the available letters or for added difficulty you can set it to display nothing.


Apple iTunes
https://itunes.apple.com/us/app/game-of-words/id727459256?mt=8
Totally Free Deals
Private Party Car Deal Not Fully Fufilled
Added on : Wednesday November 13th 2013 08:00:10 PM
g: 0 Posted By: lalotorres7
Views: 33 Replies: 0 hello, this is my first time writing on a forum but I need advice.
A couple weeks ago, I bought a 05 Caddilac Sts for 6,750. this amount was given because supposedly it included a 5 year transferable extended warranty valid through 2018 or another 100k miles. before I paid for the car I called the company an they stated the account would be able to be transferred because it was paid off in full, so the paperwork was sent in so we could fill it out. after two weeks of waiting for the new warranty to come in I call and now they say the account is not paid off, there is a 2000$ balance. if I want the warranty, I now have to pay 123$ a month. but none of this was part of the original deal. he said he had paid off the warranty in full before selling me the car. I now know that was a scam but I would just like to know if there is anything I can do? can I legally make him pay off the balance? can I make him return the money if I return the car? we both signed an paper saying we agree to the deal of 6750 for the car and the warranty, can I use that somehow? any help is appreciated thanks in advance!
New User Question Deals
Newsdemon Giveaway For New USENET Members
Added on : Wednesday November 13th 2013 05:00:06 AM
g: 0 Posted By: devastic
Views: 167 Replies: 2 Not sure if this post is in the right category since the prices are not "on special" (although relatively cheap comparative to others), but they do have a nice giveaway going on for new members:
[L=http://www.newsdemon.com/blog/newsdemon-holiday-giveaway-2013-us... said: http://www.newsdemon.com/blog/newsdemon-holiday-giveaway-2013-usenet/]The[/L] NewsDemon Holiday Giveaway 2013 begins today and is full of prizes that will be given away at random to a lucky new NewsDemon.com member each day for the next seven days. Beginning on November 13th, all new users will be automatically entered in to the contest. Choose and sign-up for either a monthly account or a non-expiring block account by 11:59PM between November 13th through November 20th and youll automatically be included to our daily drawing and for our Grand Prize drawing. A lucky winner each day will win one of these great prizes (chosen at random): Roku 3 The Roku 3 delivers the best streaming services available, including Netflix, Hulu, HBO GO, Spotify and even your locally stored content all in HD. Amazon Gift Certificate With a $50.00 Amazon gift certificate, you can browse and purchase almost anything ranging from books, movies, music and more. Chromecast This digital media player plugs right into your HDTV and is able to stream music or video content directly from yur Android device (phone or tablet). Free Upgrade to a 1 Year To Unlimited Usenet Well upgrade your NewsDemon.com Usenet account to a 1 Year Unlimited Usenet account. If you purchased a block account, this would be a separate 1 year account. Save the block for later. If you didnt win on one of our daily giveaways, dont fret! Youre still included in our Grand Prize drawing on November 20th. Our Grand Prize winner will win ALL FOUR PRIZES! The random winner will be a new NewsDemon.com Member that signs up between November 13th through November 20th and has not already won one of our daily prizes.

Heres the full link and contest entry section:
http://www.newsdemon.com/win-prize-special.php


Services Deals
g: 0 Posted By: remick
Views: 198 Replies: 1 http://www.amazon.com/Database-Driven-Website-using-MySql-ebook/dp/B009OMFL0E

Connecting a database to a webpage leads to interactive participation and not as static information being displayed. MySQL database can store records in tables which can be accessed (both updated and retrieved) through webpage forms.

This book will be useful for anyone who wants to understand how to connect a MySQL database to a web page. It is also intended for someone, who has ever wondered, How a webpage displays the result of a candidate given her unique_id as input? As in every remote school, colleges results are published on their respective notice boards, the same can be done in their website and viewed by all. Also one can prepare feedback forms that can be filled up online. Such data can be either used to update a table or make any query. The possibilities are many.
Books Deals

Amazon Coupons
FREE 12-Month Xbox Live Gold Membership if You Work in Retail YMMV
Added on : Monday November 11th 2013 03:00:07 PM
g: 0 Posted By: tedteddy
Views: 60 Replies: 0 I just did this and it works flawlessly. Follow this link http://expertzone.microsoft.com/Home.aspx and register. Go to the "Xbox One Assessment". Don't bother looking over the review materials, you have four tries to get 80%. I took it twice, first time got 65%, next try got 85% (questions do change a bit). You must work in retail and provide a copy of your Pay Stub before you can take the test. Once you take it, you'll get the promo code on the page of the test.
http://i.imgur.com/cdiI5Hm.jpg

Questions? YMMV depending on the store you work at.

Second note: Microsoft is only giving out 30,000 of these. Not sure how many have already been given out but it's been running since 10/7/13. Again, YMMV.
Xbox Live Deals

Microsoft Store Coupons
X-XBox One Pre-Order On Dell
Added on : Monday November 11th 2013 12:00:04 PM
g: 0 Posted By: Luisfsanc
Views: 239 Replies: 0 Can be a hot deal if you are looking to pre-order one. I ordered one and I was given a delivery date of 12/2/13.

Dell

Before I get flamed or get negative feedback, please be awae there is a high demand and low stock to go around for the holidays.
Xbox One Consoles Deals
g: 0 Posted By: BigBoyMichigan
Views: 73 Replies: 0 S.E. MICHIGAN


NOVEMBER 29, 2013 - Blood Drives
10:00 AM - 3:45 PM...........Club Monte Carlo 45160 Van Dyke Ave Utica, MI 48317
11:00 AM - 4:45 PM...........HotelMarriott3600 Centerpoint Pkwy Pontiac, MI 48341
11:30 AM - 5:15 PM...........Summit on the Park 46000 Summit Dr Canton, MI 48188



BLOOD DONORS WILL RECEIVE
=========================
1 - Free $100.00 Lucido Fine Jewelers Gift Card (GC)**
1 - Free American Red Cross Blood Drive T-Shirt



**No cash given for purchase less than $100.00 -Donors are strongly advised to make an appointment in advance. Gift cards are available while supplies last



MAKE AN APPOINTMENT
====================
AMERICAN RED CROSS
http://www.redcrossblood.org/
1-800-RED CROSS



Additional USA Blood Drives can be found herehttp://www.fullofdeals.com/forums/topic_view.php?catid=22&threadid=1289688&start=0
Surveys & Rewards Deals
g: 0 Posted By: bittul
Views: 214 Replies: 0 Linky

The Largest-Ever Blu-Ray Collection. 50 Movies Including 16 of Warner Bros. Library's Best Picture Winners on 52 Discs Presented in Book Style Premium Packaging. Plus two all-new documentaries: Tales from the Warner Bros. Lot and The Warner Bros. Lot Tour. With hours of commentaries behind-the-scenes featurettes and more on select films. Also includes a limited edition 27 x 40 poster plus a postcard series of Warner Bros. movie posters designed by legendary Bill Gold.

1. Grand Hotel* (1932)
2. Mutiny on the Bounty* (1935)
3. Gone with The Wind* (1939)
4. Wizard of Oz (1939)
5. Maltese Falcon, The (1941)
6. Citizen Kane (1941)
7. Mrs. Miniver* (1942)
8. Casablanca* (1942)
9. Treasure of the Sierra Madre, The (1948)
10. American in Paris, An* (1951)
11. Streetcar Named Desire, A (1951)
12. Singin' in the Rain (1952)
13. Gigi* (1958)
14. Ben-Hur* (1959)
15. North By Northwest (1959)
16. How the West Was Won (1962)
17. Doctor Zhivago (1965)
18. Cool Hand Luke (1967)
19. 2001: A Space Odyssey (1968)
20. Bullitt (1968)
21. Dirty Harry (1971)
22. Willy Wonka & The Chocolate Factory (1971)
23. Clockwork Orange, A (1972)
24. Exorcist, The (1973)
25. One Flew Over The Cuckoo's Nest* (1975)
26. Superman, The Movie (1977)
27. Shining, The (1980)
28. Chariots of Fire* (1981)
29. Risky Business (1983)
30. Amadeus* (1984)
31. Color Purple, The (1985)
32. Full Metal Jacket (1987)
33. Lethal Weapon (1987)
34. Driving Miss Daisy* (1989)
35. Goodfellas (1990)
36. Bodyguard, The(1992)
37. Unforgiven* (1992)
38. Natural Born Killers (Director's Cut) (1994)
39. Matrix, The (1999)
40. Harry Potter and the Sorcerer's Stone (2001)
41. Lord of the Rings: The Fellowship of the Ring (2001)
42. Lord of the Rings: The Two Towers (2002)
43. Lord of the Rings: The Return of the King* (2003)
44. Million Dollar Baby* (2005)
45. Departed, The* (2006)
46. Dark Knight, The (2008)
47. Blind Side, The (2009)
48. Hangover, The (2009)
49. Sherlock Holmes (2009)
50. Inception (2010)
*Best Picture winner.
Blu Ray Deals

Amazon Coupons
Dell venue Pro 11 64GB - $433 on Amazon or $366 on Dell.com : Pre-order
Added on : Saturday November 09th 2013 09:00:07 AM
g: 3 Posted By: ussvoyager04
Views: 2263 Replies: 9 The Dell offer seems to be long lived and currently active. Amazon price changes from time to time. I have given both options. Amazon final price is $384 after email to customer support. Dell final price is $366 but you need to get GC for $400. Some spare $$$ in GC.

Amazon Link:
http://www.amazon.com/gp/product/B00FFVYUQY/
Amazon price changes from time to time. Its back to $549 and could drop again to 433. You can try using camelizer​ to notify your email during price drop. The price drop is available for a small time window. It worked for me.

Dell.com:

http://www.dell.com/us/eep/p/dell-venue-11-pro/pd?
10% discount coupon:"?T01ZCM31CSG4$ "

Gift Card $400 gets $75
http://www.fullofdeals.com/forums/hot-deals/1312100/

Dell Price = $489.99
After 10% discount = $440.99 (coupon discount)
After Gift card offer:
$440.99-75=$365.99 (buy $400 gift card at Dell.com, you get $75)
Some spare $$$ for stylus, keyboard or cover.
Add tax to the above cost. Amazon might not include tax for some states.
If you have Discover or Chase freedom, additional 5% may apply (I am not so sure if the GC purchase is considered online transaction. Please confirm with other members before you try)

Key Information:
10.8 inches
1080P HD resolution (1920 x 1080 pixels)
2.4 GHz Intel Atom (Bay Trail latest) - Check review by Anandtech.
2 GB DDR3
64GB storage
802.11bgn
Windows 8.1 (not RT but full)
Model:Pro11-2500BLK

1 Lithium ion batteries required. (included) - Can be replaced by user (5* for this)
Estimated Availability on Amazon is Dec 13th.

Amazon MSRP correction:
Send email to Amazon that the MSRP is incorrect and ask for correcting the order price. Use the contact us page and click on your order and use the option as "problem with this order". Remember to use email option. The price got dropped to 384 and without taxes for my state.

Tablets & iPads Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 61 Replies: 0 http://www.amazon.com/Special-Education-Classroom-Management-Teachers-ebook/dp/B00ENRP1XW

LEARNING CANNOT OCCUR UNTIL THE ENVIRONMENT IS CONDUCIVE TO LEARNING. New Elementary and Middle School Teachers are usually given very little practice before taking over their classrooms. Factor in, characteristics unique to urban schools, --discipline problems, lack of support and you have the elements that lead to high- teacher turnover. THIS BOOK WILL SAVE GOOD TEACHERS FROM MOVING ON TO THE SUBURBS! Our students need good teachers too.
Poor classroom management can lead to a disruptive classrooms and poor student achievement and low test scores. The expected academic achievement mandates for No Child Left Behind. This book assist teachers in making the classroom orderly; and teaching and learning will occurs from day one -- and continue. This will translate into improved test scores. Included are chapters devoted to special education behavioral management modification techniques.
g: 0 Posted By: ysnreddy
Views: 129 Replies: 0 I think given the length and price this is a good deal for $2.33 for 10 feet cable. May be we can keep a spare in emergency.

Pack of 3 8-pin Lightning to USB Cable, Compatible with iPhone 5S and 5C, (Without Error Message) (10 Feet) $7.99 Amazon.com

amazon link

Good luck

Electronics Deals

Amazon Coupons
Weebly Pro Plan Free 1 Year (Value $96) at AppBay.co
Added on : Wednesday November 06th 2013 08:00:05 PM
g: 0 Posted By: clammy77
Views: 134 Replies: 0 Weebly Pro, which is $8 a month and $96 a year, is being given away in an exclusive deal at AppBay.co Weebly Deal.
There are only 26 more slots left, so get it while it's still there
Apps Deals
How to get the maximum out of an auto insurance claim
Added on : Tuesday November 05th 2013 07:00:17 AM
g: 0 Posted By: minghi
Views: 100 Replies: 1 hi, my car was parked on the street in front of the house and my neighbor backed into it while reversing his car from the garage. he knocked on my door and was honest about it. we exchanged insurance information and i contacted his insurance company and they sent an adjuster out to look at it and gave an estimate for $2985. I took my car to an manufacturer authorized Body Shop and they gave me an estimate of $3290. anyways, I contacted the insurance again and they said that's the maximum they can pay out since it was given by their adjuster. If it actually costs more, then I've to give it to the Body Shop and they will deal with them directly. Is there any way I can push for more? I did take some time off work to get the estimate. thanks
Personal Finance Deals
Misdiagnosed Pumbing Work: Should I pay?
Added on : Monday November 04th 2013 08:00:07 AM
g: 0 Posted By: AWSimpson
Views: 185 Replies: 8 Friday morning, I discovered that our home had no water. I called Plumber #1. He diagnosed the issue and said I need to replace my well pump, and that I would need a crane to pull it up. They said the pump needed replacing, the wires needed replacing, and the pipe needed updgraded from PVC to the flexible stuff. The crane was scheduled for Monday. I paid them $350 for the diagnosis.

I then called Plumber #2, to get a second opinion. They replaced the control box, and we now have water. The control box was the issue all along and there was no need to pay the estimated 4-5 thousand dollars to have a crane pull the pump and replace everything.

Question: Should I have to pay for the misdiagnosis, given that Plumber #1 did not diagnose the problem correctly, and their time spent here was not useful at all to solve the issue? Their diagnosis/solution would have ended up costing over $4000 when it was all said and done. No work order was signed, no estimates were given. I just recieved the $350 total (all labor) as they left on Friday.
Personal Finance Deals
HSBC Bank "Periodic Review" account closures
Added on : Monday November 04th 2013 04:00:05 AM
g: 1 Posted By: notsogeeky
Views: 30 Replies: 0 I see there is another thread in fatwallet titled "HSBC Closed my account" and I couldn't post to that. So, here is what happened to me and I am sure this would be helpful for anyone who is trying to open an account with HSBC.

My suggestion:
1. DON'T OPEN AN ACCOUNT WITH HSBC if you are going to be using it for big transactions etc.
2. THEIR DREADED "PERIODIC REVIEW" will close your accounts WITHOUT ANY EXPLANATION and you'd be wondering what happened to your money.
3. FROM THAT TIME ONWARD, THE CUSTOMER SERVICE WOULD JUST STATE THAT "Based on 'RULES OF DEPOSIT' your account has been closed.". Here is the link for their RULES OF DEPOSIT and it doesn't mention anything about a periodic review and how they can close the account.http://www.us.hsbc.com/1/PA_1_083Q9FJ08A002FBP5S00000000/content...
4. THE "RULES OF DEPOSIT" CAN BE EXECUTED ON YOUR ACCOUNTS ANYTIME AND IT IS PURELYDISCRIMINATORY.

Here is what happened to me:
1. 3 of my accounts were closed without any prior notice or time to even react one fine morning --> No explanations given and I couldn't even see what I did wrong or even the number of transactions I had. A VERY RUDE AND BLUNT WAY OF KICKING YOU OUT.
2. I hardly do 4-5 transactions in my checking out, and I surely didn't move more than 10K in and out of my account like other's have indicated here.
3. The customer service was rude and kept repeating based on "Rules of Deposit" and they don't have to give any explanation.

But, I wanted explanation. So, I did this -
1. Filed a Better Business Bureau complaint asking for explanation and Interest for the days my money is out of their account.
2. Sent an open letter to their Bank Holdings Division CEO
3. Copied it to their EXECUTIVE OFFICE in buffalo.
4. Based on their response, I will start a legal battle asking for details on their so called review process.

If this is something to do with "PATRIOTIC ACT" or some bullshit, they have to give me explanation. Even FEDs ask to report any transaction only over 10K and they don't suggest to close the account. Not all customers are money laundering or using it for illegal activities. This is taking it to the new level or discrimination.

So, keep all this in mind if you consider opening an account with HSBC and going through the hassle of being thrown out years after.





General Economics Deals
EXPIRED - Warm - ATT Avail 2 Go Phone $59 at Frys B&M Today Only
Added on : Sunday November 03rd 2013 01:00:03 AM
g: 0 Posted By: bamx2
Views: 1153 Replies: 0 Warm deal - ATT ZTE Avail 2 GoPhone $59 at Fry's B&M Today Only (11-02-2013) - My local Fry's B&M ad has the ATT Avail 2 Go Phone on sale today only for $55. This is a very basic ATT locked GSM Android cell phone but does have Jellybean but weak hardware(800mhz processor, 512k memory, low res screen, 2MP camera no flash) . However, it has its place given this price. It may be a better fit for some than the Nokia 520. These have been selling for $10-20 more elsewhere like BB, TD.

http://www.frys.com/product/7888029?site=sa:adpages%20page:P11_S...
Cell Phones Deals
Warm - ATT Avail 2 Go Phone $59 at Frys B&M Today Only
Added on : Saturday November 02nd 2013 11:00:03 AM
g: 0 Posted By: bamx2
Views: 201 Replies: 0 Warm deal - ATT ZTE Avail 2 GoPhone $59 at Fry's B&M Today Only - My local Fry's B&M ad has the ATT Avail 2 Go Phone on sale today only for $55. This is a very basic ATT locked GSM Android cell phone but does have Jellybean but weak hardware(800mhz processor, 512k memory, low res screen , 2MP camera no flash) . However, it has its place given this price. It may be a better fit for some than the Nokia 520 . These have been selling for 10-20 more elsewhere BB, TD.

http://www.frys.com/product/7888029?site=sa:adpages%20page:P11_S...
Cell Phones Deals
Panasonic TC-L32B6 32" 720p 60Hz D-LED HDTV $199 at Amazon
Added on : Thursday October 31st 2013 05:00:02 PM
g: 0 Posted By: OhHim
Views: 25 Replies: 0 In my search for a cheap sub-$200 name-brand 32" HDTV for a guest bedroom, I did an Amazon sort by price (w. brand filters), and came across a deal on this Panasonic for under $200 (price hidden until you add to cart).

Figured I'd pass along given the price point although this is a bare bones 720p 60Hz w. only 2 HDMI inputs, and some questions in the (limited number of) reviews about over-saturation/ability to tweak color. Still, it does have the digital audio out.

LINKhttp://www.amazon.com/gp/product/B00B2H74EU
LED TV Deals

Amazon Coupons
Rite Aid Black Friday 2013 deals
Added on : Wednesday October 30th 2013 01:00:05 PM
g: 2 Posted By: MrVietnam
Views: 291 Replies: 1 This is the Black Friday info I was given. Please don't shoot the messenger if anything is incorrect or not good for your liking ok? Just trying to help a little.

Single serve oatmeal (Quaker I think) $3/3, get $3ups (coupon out there too?)
Rite Aid single use camera $3, get $3ups
Jack Links $2, get $2ups
Fragrance sprays that imitate the more expensive perfume $3, get $3ups
Tena $3.99, get $3ups
Yardleys bar soap 3/$3, get $3ups
Scuncii hair elastics $1.99, get $1.99ups
Carmex 3/$3, get 3ups
Sinful nail polish $1.99, get $1.99ups
(they forgot the name of this nail polish, sorry) 2/$5, get $5ups
Chef Boyardee or Pudding Cups Snack Pks $1, get $1up
Wyler mix you put in water $1, get $1up
Blue Diamond coffee almonds $2, get $2ups
Blue Diamond Almonds 4 oz+ bags .75/2 (12/13/13) 11/13SS
Rite Aid tools (nail?) $1, get $1ups
Cheer $1.79, get $1ups
Kiss Nail $5, get $5ups
Candy bars, regular size (Hershey I think) 3/$2, get $1up

More information and details and other deals will be posted as they become available...


Thx KeepingMyMoney/sd
Grocery Deals
g: 0 Posted By: stat9
Views: 142 Replies: 4 We just received notice that our health insurance rates will be based on salary.
Band 1 is for $17, 999 or less
Band 2 is for $18, 000 - $29, 999
Band 3 is for $30, 000 - $99, 999
Band 4 is for over $100, 000

The reason given was so that it is compliant with Obamacare. The premiums have not been announced but I was assured that I will pay more so that my coworkers in lower bands can pay less. I am in complete disbelief.



Personal Finance Deals
Does my proposed IRA Rollover make sense?
Added on : Tuesday October 29th 2013 09:00:08 AM
g: 0 Posted By: CaptainK44
Views: 75 Replies: 1 Hello All. Long-time lurker. First-time poster.

My first job in the Real World provided me with a 401(k). Upon leaving that job in late 2007, I was forced to relocate my 401(k) from my prior employer, as the prior employer (a small law firm) did not wish to deal with the related management fees. I was able to make an "in-kind" transition from a 401(k) to an IRA in whichI kept the same mutual funds held by the IRA (all American Funds) and the same administrator (Northwestern Mutual). I have not made any changes to the holdings of the IRA at any point, aside from reinvestment of dividends.

Yesterday, I learned that I can switch the IRA holdings (all non-proprietary mutual funds issued by American Funds) from Northwestern Mutual to a local bank/administrator, First Citizens Bank. In doing so, I would appear to save approximately $50 or so per year in management fees, given that I can self-manage the IRA (mutual fund only) through First Citizens for only a $10.00 annual fee. I am happy with the funds in the IRA and do not wish to trade them.My question is this -- Am I missing anything here? If I want to keep the same funds and do not require any additional services, should I simply jump ship to the administrator which offers the lowest management fee?Thanks in advance for your thoughts on the issue.

Should the information be relevant, we're talking about $35,000.00 or so in the IRA. I have a current 401(k) through my current employerworth approximatley $65,000.00. I invest for fun through Fidelity Investments and Scottrade, and am markedly more adventerous in making changes tomy Fidelity/Scottrade holdings thanthe holdings in my IRA/current 401(k).

Investing Deals
DietBet: Potentially make money for losing weight
Added on : Tuesday October 29th 2013 08:00:15 AM
g: -1 Posted By: Rewdog
Views: 152 Replies: 2 You place bets with groups of other people to lose a % of total weight over a set period of time. Those who cannot make their goal forfeit their bet which is split among those who make their goal. If everyone meets their goal, you just get your money back.

For example, my wife recently finished one of these betting $25 that she would lose 5% of her body weight over 4 weeks. She ended up winning $66 ($41 net).

You can join up to 3 games at a time.

Verification is done by submitting pictures on the scale with a hand written word given only when you are about to weigh-in. Verification does happen by actual people and can sometimes take a couple days to be verified or appealed.

http://www.dietbetter.com

Definitely worth it if you plan on losing weight anyhow.

Cue ideas of putting change in pockets, binge eating / drinking before initial weigh-in, identifying diet-bet games with participants highest rate of failure (seems like the higher the bet, the more motivated everyone is to meet their goal and the least money you make), and requests for pics of wife (no).
Discussion Deals
Phone leasing.
Added on : Tuesday October 29th 2013 08:00:15 AM
g: 0 Posted By: StevenColorado
Views: 197 Replies: 3 There are people who own homes, and people who rent them. There are people who own cars, and people who lease them. Now, T Mobile has announced the Jump program. You can pay a down payment and finance a phone. After six months or more of payments, you can return the phone and have the balance forgiven as long as you put down another down payment and finance another phone.

This allows some phone users to continually get the latest and greatest, and it allows cheapskates like myself to get some great deals that I expect to be available on a surfeit of refurb phones.

Link.
Discussion Deals
g: 1 Posted By: patofw
Views: 263 Replies: 1 http://outlet.lenovo.com/SEUILibrary/controller/e/outlet_us/LenovoPortal/en_US/catalog.workflow:item.detail?hide_menu_area=true&GroupID=445&Code=59RF0002

Processor:Intel Core i5-3317U processor (2 cores / 4 threads, 1.70 GHz, 3MB cache)
Operating system:Windows 8 Standard 64 - English
Display:13.3" HD+ (1600 X 900) Multi-touch, IPS Panel, Vibrant View, LED Backlight w/720p HD Camera
Graphics:Intel HD Graphics 4000
Memory:4 GB PC3-12800 DDR3 SDRAM 1600MHz SODIMM Memory
Hard Drive:128GB SATA 1.8" Solid State Drive
Optical Drive:No Optical Included


several other yoga variations in stock as well
click -> laptops and ultrabooks at top-left
filter to yoga on left

personally the 11" and 13" are appealing to me vs the new Yoga's and the Surfaces, given the outlet prices
Laptops Deals
Balance added to Macy's credit card without knowledge.
Added on : Monday October 28th 2013 01:00:11 PM
g: 0 Posted By: salilsurendran
Views: 38 Replies: 1 I went to a Macy's store and I purchased some merchanise for about $18. I was told if I apply for the Macy's credit card that I would be given a discount and I wouldn't have to pay anything. However, unknown to me $15 was put on my credit card. I had no knowledge of this and I specifically asked questions about this credit car. Late fees accumulated to $66. I am extremely angry about this since the salesperson didn't tell me there was any balance on my credit card. I had my own credit card and in this case I would have put money on my card rather than the Macy's one.
Personal Finance Deals
g: 0 Posted By: remick
Views: 11 Replies: 0 http://www.amazon.com/dp/B008MLNMD6

4 remarkable eBooks help you lead more successfully by leading more ethically

Honor, ethics, and compassion are central to effective leadership. Now, an extraordinary new eBook collection reveals why this is true, and how you can lead more honorably and successfully in your own organization. In Winners Never Cheat: Even in Difficult Times, New and Expanded Edition, Jon M. Huntsman shows how to succeed at the top, without sacrificing the principles that make life worth living. Huntsman personally built a $12 billion company from scratch, the old-fashioned way: with integrity. Now, he tells you how he did it, and how you can, too. Along the way, he offers a powerful reminder of why you work, and why you were chosen to lead. Next, in Lead with LUV: A Different Way to Create Real Success, the legendary Ken Blanchard ("The One Minute Manager") and former Southwest Airlines CEO Colleen Barrett help you achieve amazing results by leading with love. They explain what "love" really means in the organizational context, why leading with love is not "soft" management, how to handle inappropriate behavior, how to make "servant leadership" work, and how to sustain leadership with love. In Moral Intelligence 2.0: Enhancing Business Performance and Leadership Success in Turbulent Times, Doug Lennick and Fred Kiel show why sustainable optimal business performance requires superior moral and emotional competencies. Using new case studies, they identify connections between moral intelligence and higher levels of trust, engagement, retention, and innovation. They deliver specific guidance on moral leadership in both large organizations and entrepreneurial ventures, plus a new step-by-step plan for measuring and strengthening organizational integrity, responsibility, compassion, and forgiveness. Finally, in The Power of Communication, Helio Fred Garcia focuses on the most indispensable leadership discipline: honorable and effective communication. Building on the U.S. Marine Corps' classic publication Warfighting, Garcia how to apply the Corps' proven leadership and strategy doctrine in all forms of public communication - and achieve truly extraordinary results. You'll learn indispensable lessons from leaders communicating effectively, and from the catastrophic mistakes of business and political leaders who got it wrong. If you need to earn and win hearts and minds, you need this book now.

From world-renowned business leaders, executive coaches, and consultants Helio Fred Garcia, Ken Blanchard, Colleen Barrett, Jon M. Huntsman, Doug Lennick, and Fred Kiel
g: 1 Posted By: remick
Views: 255 Replies: 1 http://www.amazon.com/9000-Scramble-Puzzles-Improve-ebook/dp/B00G8H2KJS

SOLVING WORD SCRAMBLE PUZZLES IS ONE OF THE BEST WAYS TO MAINTAIN THE BRAIN IN TOP OPERATING CONDITIONS. THE LETTERS IN 9,000 WORDS ARE SCRAMBLED IN ABC ORDER. SOLUTIONS ARE GIVEN FOR ALL PUZZLES.
Books Deals

Amazon Coupons
g: 0 Posted By: emmd2001
Views: 86 Replies: 3 As many FW'ers do, I buy gift cards from the online 3rd party resellers, and have for years.

I am currently insured under a high-deductible health insurance plan. I have ~ $300/month in prescription costs that I end up paying up front. Since Walgreens allows the use of gift cards for prescriptions, I stock up on Walgreens cards when they are on sale to pay for my prescriptions.

Last month when I picked up my prescription, I was given the 3rd degree by the cashier. Questions such as "Where did you get these gift cards? Why do you have so many gift cards?" etc.

A week later, I got a phone call from a "Fraud Investigator" from Walgreens asking the same questions.

A few days ago, I went to pick up another prescription. When I tried to pay for them with gift cards, I was told that they would not accept any gift cards from me. When I asked why, the cashier said that the manager would have to explain. Apparently, there was no manager in the store as they put me on the phone with a manager from another store down the road? He states that they were concerned with fraud, and asked me the amount of the gift cards I had and what they looked like. Afterwards, he said that they would be accepted and asked to speak to the clerk again. The clerk then hung up the phone, and while they were supposedly filling my prescriptions instead the police show up to question me on the gift cards as well, and then to escort me out of the store.

Do I have any recourse here? What should my next steps be?

Thanks!
Question Deals
Mortgage Co made unauthorized withdrawal from my checking act
Added on : Thursday October 24th 2013 09:00:09 AM
g: -1 Posted By: yaknart33
Views: 103 Replies: 3 I am up to date on my mortgage ,pay on time .I found over $1500.00 dollars taken from my checking act by my mortgage co,with out my authorization.I contacted them and they admitted their mistake ,they have taken

four days to replace the money and pay the over draft fee .I am charged by my bank a wire transfer fee of $15.00 ,I think they will make good on that.I was not given a straight answer as to why they did this and who

authorized it.I will add that the first week of Sept my morgag co called me six times ,when I returned the call each time they said every thing is good,no problems,That was four times over 10 days, I returned their

calsl same answer.In Oct & they call meat ^:00 AM same stuff ,no problems.I asked them to take care of whatever is making them call me.Also these are not computer generated calls ,they are from actual people .I

know its illegal to call that early and to takemoney without authorization .My question is ,would I have the right to ask for some type of compensation?If I am late I get dinged for a fee.I wanted to get some feed back

from you all .Thanks
Deposits Deals
g: 5 Posted By: archena
Views: 1715 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
Books & Magazines Deals
g: 0 Posted By: DaysFan
Views: 220 Replies: 0 http://www.ulta.com/

FREE 4 piece Hair Sampler from Fekkai with any $35 Ulta.com purchase!Item #: 2264706$35.00

FREE SHIPPING on all orders $50 or more! 3 FREE SAMPLES with every order

To receive your FREE gift: 1. Add the gift to your basket. A retail of $35 will show in your basket. 2. Continue shopping and when $35 or more in merchandise is added to your basket and your gift will turn to free. To receive your beauty break, add the gift to your basket and add $35 or more in merchandise to your shopping basket. Failure to add $35 of merchandise to your basket will result in $35 charge for the value of the gift. Not available in Ulta stores. Cannot be redeemed for cash, exchanged or applied to previous purchases. Limited to one per household. Online only. Offer starts 10-23-2013 10am CST and expires 10-23-2013 2pm CST or while supplies last. Merchandise excludes shipping and handling charges, gift card, sales tax and gift wrap.

PLEASE NOTE : (1) ONLY ONE PROMOTION CODE CAN BE ENTERED FOR A GIVEN ORDER PLACED ON Ulta.COM AND (2) SUPPLIES OF ALL FREE GIFT OFFERS ARE LIMITED. THERE ARE NO SUBSTITUTES.
Hair & Skincare Deals

ULTA Coupons
$88k left in student loan debt - am I on the right path?
Added on : Tuesday October 22nd 2013 03:00:06 AM
g: 0 Posted By: Killy215
Views: 122 Replies: 4 Hi there! I am new to the forums and have been reading over other posters financial woes when it comes to their student loan debt. For the last 2 years, I have been working to get myself out of all of my debt. This is going to be long, but I want to give the whole picture! A little bit of background:

3 years ago, I moved from Jersey to Maryland to take a new job, paying a decent amount over what I was making. To be immediately frugal, I moved to a much cheaper town about 30-40 minutes away from my job with my partner. When we first moved, my partner didnt have a job so I paid the bulk of the expenses, while she paid for a small part. She ended up going to school and getting her CDL, and within a year got a job. So for our first year in the house, I wasnt able to put much extra towards any of my debt. Once my partner got the job, we worked out an agreement where she took on my portion of the rent for a year, and I got to work attacking my credit card debt, which was about $15,000. I began paying it off in January of 2012 and finished in March of 2013. Im really proud of myself for this.

Now I know its time to work on my student loan debt, which is just an enormous, crushing weight on my shoulders. I know I can pay it off much sooner than the payments have me set to do, so thats what Im going to try to do. I got a B.A. degree in Psychology that I dont even use, but it did help get me the job Im in today. When I graduated college in 2007, I had $98,000 in student loan debt, and I went to a public school. I made poor choices, taking out more money than school cost so that I could live/pay rent/groceries, etc. Also, it took me 7 years to finish instead of 4 for about 65% of that time I was working full time and going part time. I wish I understood the consequences of what I was doing more, or that someone was there to guide me a bit more/answer my questions, but unfortunately, that is not the case. I take full responsibility for the loans and taking them out, and it has certainly given me a great lesson in all of this. Bottom line is, I have this debt now and Ive got to get it out of here. My student loans are split between federal and private. Ive been paying on the loans for 5 years, since 2008. The balances Im giving you are what is current. Heres the breakdown:

Private: $55,247.13 at 6.2735% (These are multiple loans that have been consolidated into one). Their minimum payment per month is $406 over 30 years. Federal: Total is $33,293.38, breakdown below. 1. Consolidation Loan: Subsidized = $5,330.42 at 2.875% / Unsubsidized = $12,426.18 at 2.875% 2. Stafford Loans: Subsidized = $3,862.02 at 6.8% / Unsubsidized = $5,143.56 at 2.35% / Unsubsidized = $6,531.20 at 6.8%The federal loans are currently in deferment because Im going to graduate school (employer-paid), but I AM paying the accrued interest. I need to get rid of these loans, and I know I need to work on the private loan first. Here are is my total amount of monthly expenses, which I have in a budget spreadsheet and keep track of throughout every month:

Rent: $425/month (split, per person)
Car payment: $396 + $102 extra for principal (paying $500/mth so that I can have the car paid off in 3 more years, shaving 2 years off of the initial term). Interest is 1.9%.
Car insurance: $530 per year I make 1-3 bulk payments in December/January.
Cell phone: $77
Gas/Heat (home): $86
Gas (car): $240
Life insurance: $20
Water/sewer/trash: $60
Netflix: $7.99
Misc: $150
Private student loan: $455.03 (I put an extra $50 each month towards the principle, Ive been doing this for about 2 years)
Federal loans interest: $260
Savings account: $100
League dues (roller derby): $35

I bring home around $3,170 per month, which leaves me around $873 per month extra. I also put 3% towards my 401k, where my company matches 50% up to 6%. (Next year, my healthcare is going up about $30 per month, so thats a factor as well). I would like to commit to putting an extra $800 on my private student loan each month. My partner and I live a pretty frugal, simple life, so I do believe this is possible, save for any weird expenses that may come up (i.e., our renters insurance or my AAA membership, which I never take into consideration for monthly expenses).

Ive already started looking for a second job, which means I would have to quit playing roller derby (I cant do 2 jobs, plus grad school, plus derby). This disappoints me because its definitely a great outlet and a way for me to keep up my spirits and exercise, but I know a second job would really help chip away at this money. Next, I received a balance transfer offer for my credit cards at 0% for 12 months with a 2% fee. So last week, I took $8,000 from this offer and paid it towards my $55,000 private loan. I can get the $8,000 paid off in a year with payments of $666 per month towards the credit card. Then Ill take another $150 every month and add it to the student loan payments with my $455. After the $8k is paid off, I hope to use another offer of 0% and do it again.

Does this sound like a reasonable plan? We dont have a lot of extras, and the ones we used to have have been cut when I started paying off my credit cards (i.e., cable). I recently looked into leaving my cell phone company, AT&T, as T-Mobile can get me a similar plan for about $20 less per month, however my cancellation fee of $260 does not make it worth it at this time. Maybe there is something Im missing with the cell phone situation that someone can give me information on. Also, Ive went through my house and pretty much sold all of my extra things on eBay and Craigslist. I have 1 or 2 other things that I might be able to get rid of. Otherwise, I take my breakfast and lunch to work every day except on Friday, where I splurge on an $8 lunch each week. This $32 is part of my $150 misc expenses.

Also, if you were me, where would you put any extra money you received (i.e., tax refund)? A part of me wants to put it on my car so I can get that paid off quicker (and thus freeing up $500 per month), but I also know it makes more sense to put it on the higher interest loan. Thoughts?

Ive really changed my outlook on money over the last few years, and Im trying to get to a better place. There are things I want to buy (like a house!) that I know I just cannot because I cant afford it. Id like to have kids, but they are going to have to wait because I cannot afford them at this time. I feel lucky to have landed such a good job and be in a place in my life where Im able to make this plan and actually execute it. Id really appreciate any insight, especially on things that Ive missed or could do better.

Thanks for listening.
New User Question Deals
g: 0 Posted By: ggmon
Views: 22 Replies: 0 I enrolled in the employer plan last week . I see that compared to last year insurance premium has not gone up. Its the first year for more than a decade that insurance premium has not gone up compared to prior year..... some year were 40-50% increases.
However my employer did reduce their contribution in effect increasing my contribution by $40 per pay check(26 pay check per year).
I have a high deductible family plan Deductible :$3600. Max: 10,000

I was expecting a much more given the -ve media coverage.
ondering if Obamacare is really working.

Please share your experience.



Personal Finance Deals
COBRA or Obmacare?
Added on : Monday October 21st 2013 06:00:18 AM
g: 0 Posted By: Veeekay
Views: 144 Replies: 4 I am planning on taking up an offer to work in a country with lower cost of living and if everything works out settle there. The expected start date is in March 2014. To help with smoother transition, I am planning to go there in March and come back in May 2014 to get my spouse and kid, at which time we will be relocating.

I have family medical and dental insurance (HSA 5.6K ded and 11.2K out of pocket) thru my employer. COBRA costs $1200 per month for the current plan. Healthcare.gov estimates PPO bronze at about $430-650 per month, depending on the provider.

It is expected that my family will be in COBRA or Obmacare between March and May. Given the 60 day grace period (or is it 45?) for COBRA, I may be able signup for COBRA, only after there is a need for it.

Questions are:
1. If I didn't signup for COBRA, but had to use the insurance during the grace period, would the medical providers accept the negotiated rate as total payment. In other words, I am using COBRA to get a better/current rates.

2. If the grace period for COBRA is 45 days and I decide to opt for Obamacare after the 45 days, would that be considered as lapse in coverage and if so, would Obamacare not be of any help?

3. Should I just pay $860-1300 for 2 months of Obmacare or are there other options to avoid insurance payment for the March to May time-frame.
Personal Finance Deals
g: 0 Posted By: NantucketSunrise
Views: 84 Replies: 0 A current"contest" by Life Extension is pretty good - it seems to be offering a similar type of thing as this"Hot Deal" offer offered in January 2013 -->http://www.fullofdeals.com/forums/hot-deals/1250278/

This is the current url to enter: https://mycart.lef.org/livebetter/register/

At the moment it's probably giving most (or all)people who enter the contest:
-a free half-year membership, a savings of $37.50
- free 6 month subscription to their monthly health magazine
- free shipping on one order
- a $25 product credit
.... not bad, when it's entirely for free!

Tonight I was looking for a free membership to Life Extension (there used to be a sign-up page for a 6-month free membership, and I finally found that online, but after I filled it in, it told me that it was no longer a valid offer), and I found the above Hot Deal from January 2013 and a month-old threadin the Contests forum, so I entered the contest tonight and I instantly "won" a 6 month free membership, free shipping on my first supplement purchase, a $25 product credit, and a chance to win $25,000 by calling a telephone number right away.

Well, I realized it was not so likely that I'd have won the $25,000, but the contest rules seemed okay and it was just a quick call, so I called the number expecting to get an automated system that would want me to press a few buttons on the phone, and instead a real guy answered immediately (like on the first ring) -- and he addressed me by my name right off the bat (without my telling him what my name is -- obviously he was reading it off his computer screen, from my telephone number). ...It was a little creepy, to be honest, and threw me for a moment.

He told me that unfortunately I was not the winner of the $25,000 prize. I wonder how often he has to say that to people - apparently constantly. What a job he's got.

Anyway, my point is that this contest probably has the same odds as the Hot Deal in January 2013 did -- a person who enters it is probably quite likely indeed to be offered a free half-year membership to the organization, a $25 coupon off their products,and free shipping of the first order. An annual membership there really does go for $75 at full price, so it's quite a substantial free offer, and I don't know how much shipping is for their products, but one instance of free shipping is probably worth at least $5 or $10 (of course, it would be of value to you only if you intend to use any of their services or buy any of their products, or will utilize the free monthly magazine that comes as part of the free membership.)

You can also enter this contest more than once, it says (once a day, I guess). It's a pretty quick and simple process to enter.

Also: their $25,000 prize hasn't been won yet, and that particular aspect of the contest is over Wednesday Oct. 23rd, so there are only a few days left!
(It's been going since May 30th, it says: http://fullofdeals.com/redirect/bounce.php?afsrc=1&mid=18045646&eurl=https%3A%2F%2Fmycart.lef.org%2FLiveBetter%2FCashPrizeRules.html%29&orig=forums.contests-and-sweepstakes

---
Note: I did ask the moderators if they could cross-post the month-old entry about this freebiefrom the Contests forum (http://www.fullofdeals.com/forums/contests-and-sweepstakes/1299376/), but the feeling was that the waytheoriginal post therewas written, itdescribedthe offerstrictly as a contest, so it would have been confusingto readers to directly cross-post that thread to another forum. Therefore, I'm making this new thread here, because I do think the current free offer (styled as a contest, but probably given to most, if not all, people who "enter")from Life Extensionis pretty substantial and might be worth something to some Fatwallet readers.The mods may delete this -I don't mind if they decide to do that.
Surveys & Rewards Deals
g: 0 Posted By: bpvh
Views: 253 Replies: 0 OfficeMax 20% off total purchase coupon 10/20/2013 - 10/26/2013 (in-store and online, exclusions apply)

BRING IN THIS COUPON AND GET 20% off** from 10/20/2013 - 10/26/2013. PDF version attached. LINK

ONLINE COUPON CODE***: SAVE20

Ink and toner
Case and ream paper
Office supplies
Go Daddy website bundles
MiMedia cloud storage
Tech services


TERMS per in-store coupon:

*Valid 10/20/13 thru 10/26/13 on the purchase of ink and toner, case and ream paper, office supplies, Go Daddy website bundles, MiMedia cloud storage and tech services only. Excludes Epson and HP ink and toner and sale-priced services. Coupon valid on regular-, sale-, promotional- and/or clearance-priced items. Limit one per customer. Void if copied, sold, purchased, transferred, taxed or where prohibited. Cannot be combined with any other coupon, associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. Not valid on purchases of gift cards, general-use prepaid cards, phone cards, nocontract phones, mobile devices or service plans, U.S. postage stamps, shredding services, printing services, MaxAssurance, OfficeMax Essentials Kits, furniture assembly or FedEx shipping services. Not valid on prior purchases or for credit card payments. Coupon must be surrendered at time of purchase. No cash or credit back. Cash value .001. 2013 OMX, Inc.

TERMS per online:

Valid 10/20/13 thru 10/26/13. Valid in store and online. Limit one coupon per customer. Coupons are non-transferable. 20% discount applies to in-stock items only. Not applicable on special orders. No Rain Checks will be given for the 20% discount unless required by law. Cannot be combined with other offers/coupon codes, associate discount, OfficeMax Customer Perks and/or Retail Connect℠ pricing. No price adjustments from prior purchases will be made. Not valid on purchases of HP ink and toner, Epson Ink and toner, printers, computers, monitors, shredders, televisions, projectors, fax machines, copiers, typewriters, cash registers, hard drives and gift cards. For in-store purchases only, coupon valid on the purchase of ink and toner, case and ream paper, office supplies, Go Daddy website bundles, MiMedia cloud storage and tech services only. Coupon must be surrendered at the time of purchase. 20% discount applies to all regular-, sale-, promotional and clearance-priced items before taxes. Additional in-store exclusions: sale-priced services. Not valid on purchases of gift cards, general-use prepaid cards, phone cards, Virgin Mobile devices, U.S. postage stamps, shredding services, printing services, MaxAssurance, OfficeMax Essentials Kits, furniture assembly or FedEx shipping services. Not valid on prior purchases or for credit card payments. For online purchases only, offer is not valid for orders on OfficeMaxSolutions.com, Maxbuyer.OfficeMax.com, OfficeMaxCommercial.com, or Government.OfficeMax.com. Coupon does not include tax and shipping. Additional online exclusions: promotional priced and clearance furniture, software, label makers, tablets, tablet accessories, eReaders, eReader accessories, software, keyboards, mice, webcam, networking, USB drives, scanners, voice recorders, clearance items, iPad accessories, lens accessories, projector accessories, shredder supplies, typewriter supplies, appliances, printer docks, photo packs, digital cameras, camcorders, MP3 players, digital photo frames, headphones, home theater, digital voice recorders, unlocked phones, graphing calculators, GPS systems & accessories, video game consoles & accessories and audio & accessories, gaming keyboards & mice. Not Valid on OfficeMax Impress Services, and/or 3rd Party Affiliated Sites. Cash value .001 2013 OMX, Inc.
Office & School Supplies Deals

OfficeMax Coupons
Career going very well, yet the money is not there. Advice?
Added on : Saturday October 19th 2013 08:00:09 AM
g: -1 Posted By: dynorodzilla
Views: 262 Replies: 8 I graduated HS in 2005. From 2007-2011 I was making around $16 an hour while going to school. Graduated from a well known state college in December 2010 with a bachelors in business

After graduating, I took a trainee role working at a scrap metal recycling company for $21 hourly, with no benefits until the trainee period ended. It was kind of a mismanaged company and I did not see much potential there. After 8 months I decided to start looking for a new job. I anticipated a difficult job search, but got the first job I interviewed for and was hired on to an entry level job at a salary of $38,000 with good benefits. I started in November 2011. I have had 2 reviews/raises since then. First one raised me $1000 to $39,000. I was recently reviewed again and received a promotion for which I got an 8% raise. Which really is only a 4 or 5% raise because everyone gets a standard 3 or 4% raise every year. So now I am in this position which should be paying in the $50,000's, yet I am making $42,000 a year.

Everyone at my company seems to like me. I get great reviews every year and meet every challenge I am given. The company has a good reputation and I am working in the company s main building, which has 500+ people working in it.I like everything about my job and employment situation, except my paycheck. I am not some young kid anymore and I am gonna have to support a family. I need to make more money. Considering I was recently promoted, how long do I have to put in before leaving for a competitor, if that is my best option?

Does anyone have any suggestions for me? Thanks






Personal Finance Deals
Laptop Flash Sale @ Cowboom.com
Added on : Saturday October 19th 2013 07:00:06 AM
g: 0 Posted By: infinitemonkeys
Views: 382 Replies: 0 CowBoom.com is having another flash sale. Today they are selling Laptop computershere.
For those not familiar with CowBoom, it is a site which sells items returned to Best Buy. These items are opened and may have been used briefly. Item appearance may vary from no visible signs of use to noticeable scratches and marks. For each item, in the description will be indications of the amount of visible wear. I have never had to return an item to them, but have heard from others that there is not a problem doing so if it does not meet your expectations. These returns were not returned for operational issues (those are sent back to the factory), but just because the customer didn't like it or got it as a gift and didn't need it, etc... So the items should all be in perfect working condition. I suspect, however, that Best Buy merely takes the customer's word for this during the return. It is unlikely a customer would return an item and not mention it is not working unless a) they broke it and don't want to get caught, or b) they didn't notice the feature malfunction. Still, it is possible with CowBoom items, as with any vendor, to get a lemon, so caveat emptor. Items may also be missing manuals and cords, so price in a charging or data cable if you think you do not already have one for the device. Descriptions are for a group of product, so it may be luck whether you get a cable or it is missing.

Having given all these qualifications, I have been satisfied with the items I've received from CowBoom. It is possible on many days to get a perfectly good current generation or last generation phone with minimal signs of use for significantly below retail or aftermarket pricing. No doubt there will be some who do not like the idea of CowBoom or who have individual experiences they want to share which may not align with my own experience.




Laptops Deals

CowBoom Coupons
FREE Kindle Book - Bouncing Back: The Life of Bill Bartmann was $8.50
Added on : Friday October 18th 2013 06:00:07 PM
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Bouncing Back: The Life of Bill Bartmann [Kindle Edition] was $8.50

Bill Bartmann (Author), Jonathan Rozek (Author)


http://www.amazon.com/dp/B00FK6XFZQ

5 Reviews ★★★★★

Publication Date: September 30, 2013

Publisher: Brown Books Publishing Group

#2 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Business

From the Author of an Amazon #1 World-Wide Best Seller.
Note: All profits from the sale of this book are being donated to charity.

★ ★ ★

"Although Bartmann lost his company, he managed to turn his loss into an opportunity that made him a billionaire and changed an entire industry." National Public Radio

"Bill is 'The Greatest' at helping people recognize and discover the champion hiding inside. He teaches people how to knockout the negatives in their lives." Muhammad Ali

"Bill Bartmann is a good steward! He knows he has been given a special gift and he shares it with everyone he touches. He has made a profound positive difference in the lives of so many." Mother Teresa

"Bill Bartmann survived failure, remade one of the country's ugliest industries, and became a billionaire." Inc. Magazine

"Bartmann is a quintessentially American figure. Perhaps that is because he is fundamentally a pioneer and a frontiersman, a relentless optimist with unbounded self-confidence and an unshakable faith that he can not only wring booty from what looks like barren turf but that he can also have fun doing so." The New Yorker

"Named One of the Top 100 Entrepreneurs of the Last 100 Years" Apple Computer

"Bill Bartmann's autobiography is proof there is nothing that we can't overcome if we truly want to. His remarkable story will inspire every reader." Harvey Mackay, author of the #1 New York Times Best Seller, Swim With The Sharks Without Being Eaten Alive

★ ★ ★

They say that truth can be stranger than fiction, and in the case of Bill Bartmann, its absolutely the case. Bouncing Back is a glimpse into situations most of us never see:


● Leaving a dirt-poor family at age 14 to join the carnival

● Being an alcoholic gang member by age 17

● Becoming paralyzed by falling down stairs drunk

● Being told that youll never walk again, yet later walking out of the hospital

Those are unusual-enough experiences, but they were only the beginning of Bartmanns journey. He is the only person ever to work in a pig slaughterhouse for years, and later become a billionairethe 25th wealthiest person in America.

After his success, Bartmann didnt just go to Disneyworld, he rented the entire facility and hired 27 jumbo jets to fly his employees there. And hes the only person to turn down an invitation to sleep in the Lincoln Bedroom because he was too busy.

As if thats not enough to fill one lifetime, Bartmann was then personally indicted by the U.S. Attorney General on 57 felony counts, and faced 600 years in prison if convicted. Without testifying at his own trial or calling a single witness, Bartmann was cleared of all charges and the government later admitted it had no case.

Now Bartmanns back, taking on the entire debt-collection industry and creating a new form of debt-collection company never before seen on the planet.

Bouncing Back is about the lowest of lows, and the highest of highs. Its also about how you never know whats around the corner.
$99 for 3 days/2 nights at Ramada Inn. on SweetJacks
Added on : Sunday October 13th 2013 06:00:13 AM
g: 1 Posted By: Scotty2Hottie
Views: 299 Replies: 0 I jumped on this, im sure im gonna find some value in it before the expiration date.

http://www.sweetjack.com/local/deal/national/99-for-3-days2-nigh...



The Perks
$99 gets you a 2 night-stay that includes taxes at a Ramada Inn in the U.S.
Many hotels feature pools, activities, restaurants and more
Pefect for a get-away to visit family
Valid for travel 7 days a week
Unsurpassed value --- get this deal before it is gone
Limited Quantities - purchase your certificate today!


Is This The Deal For You?
This is a great deal if you're flexible with your travel dates Fetch My Voucher's availability and are not looking to buy this deal for one specific date or event.
Valid for travel 35 days after sale of certificate on SweetJack.com
For reservations, register your voucher code at fetchmyvoucher.com.
For any questions about this offer, please contact info@FetchMyVoucher.com; do not contact Ramada Inn hotels directly.
Buyers may book up to 180 days in advance of their voucher expiration date, but only AFTER the initial 35-day window booking restriction period.

For a list of Ramada Inn locations and cities:
http://www.ramada.com/hotels/locations
http://www.ramada.com/hotels/destinations

This offer is being brought to you by Fetch My Voucher and is not an affiliate of Ramada Inn or Wyndham Hotel Group.
Fine Print
Reservation is subject to availability
Availability can only be determined once purchase has been completed and travel request has been submitted for redemption.
Valid for travel 35 days after sale of certificate on SweetJack.com (no exceptions); Voucher expires 09/15/2014.
Valid for travel 7 days a week
Do not contact the hotels directly
Bookings are solely processed by Fetch My Voucher and not through Ramada Inn directly or Ramada.com.
Not valid for current reservations.
Not redeemable for cash. Cannot be combined with any other offers from FetchMyVoucher.com
Voucher expires 1 year after date of purchase (check your voucher for exact voucher expiration date).
One member of party must be 21 years old to travel using Voucher, present valid ID + credit card at check-in.
May purchase multiple vouchers, but cannot stack or combine vouchers at same location within same trip.
Buyers may book up to 180 days in advance of their voucher expiration date, but only AFTER the initial 35-day window booking restriction period.
Hotel taxes are included with the cost of the Voucher.
Voucher purchase / bookings are FLAT fees, not per person.
Occupancy limit is two (2) adults and two (2) children under the age of 18 per room / booking. Upgrades and additional room nights may be available, for a fee and subject to availability. Requests for upgrades must be made a time of reservation request.
Accommodations are subject to availability. Room availability cannot be guaranteed at any given time of the year due to booking demands and seasonal influences.
All bookings are FINAL. Once a Hotel Stay is booked it is considered redeemed, becoming non-refundable and non-changeable.
Purchase of voucher does NOT require buyers to attend sales presentations.
Two Vouchers may not be used consecutively for back-to-back stays at the same hotel. Reservations are only valid for 3-day / 2-night consecutive stays.
Voucher is fully transferable.
Major credit card must be presented at check-in to cover incidentals.
No pets allowed
No refunds from SweetJack after 30 days from purchase date
Excludes New York City, Boston, and San Francisco.
Blackout Dates: 11/20/13-11/27/13, 12/22/13-1/3/14, 4/18/14-4/20/14, 5/24/14-5/26/14, 7/3/14-7/6/14, 08/30/14-09/01/14


Travel Packages Deals
Tax on Inherited House
Added on : Saturday October 12th 2013 04:00:07 AM
g: 0 Posted By: linuspb
Views: 39 Replies: 1 I have a question about taxes on the sale of a home inherited from my Mother in Law. Ten years ago Father in Law dies and Mother in Law deeds the family home to three grown children with a life estate for her. She recently passed away and the family is proceeding to sell the house. The amount of the sale is only $50,000 and is going to be split three ways. How do we report the sale to the IRS since we have owned the house for ten years? The house was given to us so I guess our basis in the home will be zero but do we go by the value of the house at the time it was transferred to us which will leave no gain or is it all income. Any ideas will be appreciated.
Personal Finance Deals
g: 0 Posted By: bpvh
Views: 220 Replies: 0 OfficeMax 20% off total purchase coupon 10/13/2013 - 10/19/2013 (in-store and online, exclusions apply)


BRING IN THIS COUPON AND GET 20% off** from 10/13/2013 - 10/19/2013

ONLINE COUPON CODE***: SAVE20

Ink and toner
Case and ream paper
Office supplies
Go Daddy website bundles
MiMedia cloud storage
Tech services


TERMS:

**Valid 10/13/13 thru 10/19/13. Cannot be combined with any other offer. Valid in store and online at OfficeMax.com. Discount applies to regular-, sale-, promotional- and/or clearance-priced items before taxes. Limit 1 coupon/promo code per customer. Discount does not apply to purchases of HP and Epson ink and toner, U.S. postage stamps, TVs, printers, computers, monitors, Epson projectors and screens, shredders, typewriters, cash registers, hard drives, video games, file cabinets, ready-to-assemble furniture, chairs, furniture accessories, gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, print services, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, MaxAssurance Service and Protection Plans, furniture assembly, OfficeMax Essentials kits and FedEx shipping services. Excludes sale-priced services. Discount applies to in-stock items only. Special orders are not eligible for the discount. Coupon is limited to one-time use only and must be surrendered at the time of purchase. Void if copied, sold, purchased, transferred, taxed or where prohibited. Not valid with any other coupon offer, associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. No price adjustments from prior purchases will be made. Not valid for credit card payments. No rain checks will be given for the 20% discount unless required by law. No cash or credit back. Cash value .001. 2013 OMX, Inc.

***For online purchases, discount is not valid on OfficeMax.com specialty shops, affiliated third-party websites or business services purchases. Discount excludes shipping and handling fees (if applicable to the order).
Office & School Supplies Deals

OfficeMax Coupons
30;45 day security deposit return window (IL) opinion poll
Added on : Tuesday October 08th 2013 10:00:11 AM
g: 0 Posted By: zacwashington
Views: 63 Replies: 1 A friend (referred to as 'Tenant' from here out) moved out of an 8 unit apartment building in Illinois on Aug 31. Original lease was for 12 MO and went month to month on verbal agreement after 12 MO. Tenant notified landlord 30+ days prior to vacate and left at 14 Months. Security deposit was 625$ at onset of lease. Lease has no extra details on security deposit rules or restrictions. Tenant requested final walkthrough prior to vacating, landlord refused verbally stating no walkthrough would be needed as she was sure tenant did no damage (moot point). Tenant notified landlord of new mailing address in writing prior to vacating. (I am assuming tenant has receipt proving deposit was paid, can verify later as this could be a show stopper on a small claim potentially).

Just FYI landlord was decent, upkeep of property was average, no issues during occupancy. Tenant bought a house in an area an hour away and needs no rent reference and will likely never cross paths with landlord again.

As of today (day 38 since vacating property): No security deposit refund, no receipts or itemized statement of charges (no contact at all). So past 30 day window, tenant is entitled to full deposit refund. Past 45 day window tenant can be entitled to 2X deposit plus court and reasonable attorney fees. Figuring a 6 hour investment time (estimation of court prep and small claims time?) Potential to net 100 / hour in a small claim. Other potential to offer buyout to landlord to pay 2X without incurring court cost/attorney fees?

Just on an opinion level, what would you do? Go after money you are entitled to (even though its only profit of 625$)? Or play the nice person card and remind the landlord and accept the refund of only the original deposit of 625$?

Excerpt from Security Deposit Return Act:

[code](765 ILCS 710/1)[/code][code](from Ch. 80, par. 101)[/code]
[code]Sec. 1. [/code][code] [/code][code]A lessor of residential real property, containing 5 or more units, who has received a security deposit from a lessee to secure the payment of rent or to compensate for damage to the leased property may not withhold any part of that deposit as compensation for property damage unless he has, within 30 days of the date that the lessee vacated the premises, furnished to the lessee, delivered in person, by mail directed to his last known address, or by electronic mail to a verified electronic mail address provided by the lessee, an itemized statement of the damage allegedly caused to the premises and the estimated or actual cost for repairing or replacing each item on that statement, attaching the paid receipts, or copies thereof, for the repair or replacement. If the lessor utilizes his or her own labor to repair any damage caused by the lessee, the lessor may include the reasonable cost of his or her labor to repair such damage. If estimated cost is given, the lessor shall furnish the lessee with paid receipts, or copies thereof, within 30 days from the date the statement showing estimated cost was furnished to the lessee, as required by this Section. If no such statement and receipts, or copies thereof, are furnished to the lessee as required by this Section, the lessor shall return the security deposit in full within 45 days of the date that the lessee vacated the premises.[/code][code] [/code]
[code][/code][code]Upon a finding by a circuit court that a lessor has refused to supply the itemized statement required by this Section, or has supplied such statement in bad faith, and has failed or refused to return the amount of the security deposit due within the time limits provided, the lessor shall be liable for an amount equal to twice the amount of the security deposit due, together with court costs and reasonable attorney's fees.[/code]
[code](Source: P.A. 97-999, eff. 1-1-13.)[/code]

Full act: http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2202&ChapterID=62


Personal Finance Deals
Advice needed on how to invest my money
Added on : Tuesday October 08th 2013 09:00:06 AM
g: 0 Posted By: aexchange
Views: 131 Replies: 2 As a long time lurker, I'm turning to this community in looking for advice on how I should invest funds. I expect to have by March of next year somewhere in the neighborhood of $130-$150K in savings from a combination of proceeds from a house sale and continued savings on my current nest egg. I need some general guidance on how much I should leave untouched in savings for an emergency fund and what specific avenues I should use with the primary goals of creating modest returns, keeping said funds liquid, and minimizing my overall risk.

I'm well aware that I have significantly more funds than are needed for a 6 month emergency fund which is why I turn to this group for advice. As for background, I'm married with 1 kid, am the sole source of income, and make approximately $180K a year and max out my 401k. We have no debt aside from an expected house PITI payment of around $2700 a month and a car note through PenFed at $620 a month. My job is relatively stable, but that said, given the fact that I am the only source of income and my wife is a stay at home mom, my tolerance for risk is extremely low.

Thoughts?

Investing Deals
Considering Divorce - What would others have done differently?
Added on : Sunday October 06th 2013 02:00:05 AM
g: 0 Posted By: dukenyc1
Views: 1 Replies: 0 I am looking for some guidance from others on FW who have been through divorce.Was wondering what my options are and what others would have done differently in hindsight.

I am a male in my early forties who has been married for 16 years and have not been happy in the marriage for a while. It has had some good times but recently been thinking about moving on. I am the one who is pushing this, my wife seems content to just stick together and slog it through. Have been to marriage counseling and was given advice that it may be time to move on. Willing to try marriage counseling again. Hoping to try collaborative divorce as long as she is willing.

Financial Picture.Live in NYC, make about 140k a year (not that much in NYC) and spouse makes about 65k. Earned a Doctorate while in the marriage, she earned a Masters.
Two beautiful girls 16 and 13 who are the love of my life and hers.

Assets. House worth 525k with 195k left on mortgage. 200k in TDA combined accounts. 30k in various bank accounts. NYS Retirement Pension 60 percent of pay at full vestment of pension.






Discussion Deals
g: 0 Posted By: nidude
Views: 0 Replies: 0 Looks like Microcenter has a Diamond 7970/3gb w Dual Fan for $259.99 After $20 MIR.
7970PE53GV2 AMD Radeon HD 7970 Dual Fan Edition 3072MB GDDR5 PCIe 3.0 x16 Video Card

Link: http://www.microcenter.com/product/414204/7970PE53GV2_AMD_Radeon...

I'm expecting to see LOTs of 7970 deals in the immediate future given the new video card announcements.


Free $5 Dominos or $10 Restaurant.com e-gift card - Twitter or FB needed
Added on : Wednesday October 02nd 2013 06:00:10 AM
g: 4 Posted By: remick
Views: 175 Replies: 4 Login or join
http://www.mycokerewards.com/beta/home

Tweet on some subjects about 4-6 times until you reach Gold Level. Or complete your profile or other tasks. Twitter is easy. I only did one word tweets.

claim reward here
http://www.mycokerewards.com/beta/catalog.do?searchType=collection&id=28960

Please check your email to find your digital code.

1. You have been given a 19-digit Gift Card code as well as a 4-digit Gift Card PIN. You will need to enter these two numbers separately when you redeem.
2. Place your order at Dominos.com.
3. At checkout, select the box next to "Yes, I have a Domino's Gift Card".
4. Enter the 19-digit Gift Card code number in the box labeled "Gift Card Number" and the 4-digit Gift Card PIN shown above.
5. Place your order.

Your code does not expire.


Free - THE BOOKS OF RACHEL [Kindle Edition]
Added on : Tuesday October 01st 2013 04:00:06 PM
g: 0 Posted By: remick
Views: 109 Replies: 0 http://www.amazon.com/dp/B004ASN9L0/

The Books of Rachel is a fictional microcosm of 500 years of Jewish history. Since the 15th century, in the Cuheno family, the first daughter born to the family is given the name Rachel and a heritage of faith and courage as precious as the family diamond. A saga sweeping from the Spanish Inquisition to the birth of a Jewish homeland.

Books & Magazines Deals
HSA vs PPO
Added on : Monday September 30th 2013 12:00:06 PM
g: 0 Posted By: cooldude9919
Views: 34 Replies: 1 Sorry for another one of these, but i am looking for some guidance (mods please merge/move if necessary). Ive attached the info for my employer and i am trying to digest and understand everything.
First of all i am on the family plan, and have my wife and 3 kids on it. For the HSA our employer will put in $600, and plus it is $48.56 per period cheaper, which comes out to around $1262.56 difference per year, for a total of around $1862.56 of an "advantage" for the HSA.

If i look at total worst case max out of pocket of $4k vs $5k, then the HSA looks better because of the ~$1862 "advantage" makes up for the $1k max OOP difference. If i look at the deductible difference between the $1k and $1500, then again the ~$1862 also makes up for that.

Given that if we are somewhere in the middle and just have regular doctor visits as needed including preventative and normal sickness here and there and wouldn't hit the max OOP, then it seems like the PPO would be a better fit if i am thinking correctly, $1k deductible, 90% co-insurance, etc.

Anyone have any suggestions for these stats and a large family?
Personal Finance Deals
Free Kindle Book - Dead Lawyers Tell No Tales (was $13.99)
Added on : Friday September 27th 2013 06:00:05 AM
g: 0 Posted By: remick
Views: 648 Replies: 2 http://www.amazon.com/Dead-Lawyers-Tell-Tales-ebook/dp/B00AEB3AMU

4.7 out of 5 stars with 130 reviews

Landon Reed is an ex-quarterback convicted of organizing a points-shaving scheme. During his time in prison, he found forgiveness and faith and earned his law degree. Now he longs for an opportunity to prove his loyalty and worth.Be careful what you ask for.

Harry McNaughton is one of the founding partners of McNaughton & Clayand the only lawyer willing to take a chance employing an ex-con-turned-lawyer. Though Landon initially questions Harrys ethics and methods, its clear the crusty old lawyer has one of the most brilliant legal minds Landon has ever encountered. The two dive into preparing a defense for one of the highest-profile murder trials Virginia Beach has seen in decades when Harry is gunned down in what appears to be a random mugging. Then two more lawyers are killed when the firms private jet crashes. Authorities suspect someone has a vendetta against McNaughton & Clay, leaving Landon and the remaining partner as the final targets.

As Landon struggles to keep the firm together, he cant help but wonder, is the plot related to a shady case from McNaughton & Clays past, or to the murder trial hes neck-deep in now? And will he survive long enough to find out?
Books Deals

Amazon Coupons
Free Kindle - Dead Lawyers Tell No Tales (was $13.99)
Added on : Friday September 27th 2013 03:00:09 AM
g: -2 Posted By: remick
Views: 301 Replies: 0 http://www.amazon.com/Dead-Lawyers-Tell-Tales-ebook/dp/B00AEB3AMU

4.7 out of 5 stars with 130 reviews

Landon Reed is an ex-quarterback convicted of organizing a points-shaving scheme. During his time in prison, he found forgiveness and faith and earned his law degree. Now he longs for an opportunity to prove his loyalty and worth.Be careful what you ask for.

Harry McNaughton is one of the founding partners of McNaughton & Clayand the only lawyer willing to take a chance employing an ex-con-turned-lawyer. Though Landon initially questions Harrys ethics and methods, its clear the crusty old lawyer has one of the most brilliant legal minds Landon has ever encountered. The two dive into preparing a defense for one of the highest-profile murder trials Virginia Beach has seen in decades when Harry is gunned down in what appears to be a random mugging. Then two more lawyers are killed when the firms private jet crashes. Authorities suspect someone has a vendetta against McNaughton & Clay, leaving Landon and the remaining partner as the final targets.

As Landon struggles to keep the firm together, he cant help but wonder, is the plot related to a shady case from McNaughton & Clays past, or to the murder trial hes neck-deep in now? And will he survive long enough to find out?
Books Deals

Amazon Coupons
Request to have lender drop PMI on Short Sale?
Added on : Wednesday September 25th 2013 10:00:10 AM
g: 0 Posted By: MikeDaddy
Views: 106 Replies: 1 Purchased a Short Sale this past August for $235,000. Appraisal came in at $250,000. We put down 15% (we technically had the cash to do 20%, but I did not want us to be house rich and money poor). I make my first mortgage payment October 1st. My mortgage broker said I should try calling in about 4 months or so to see if Quicken Loans would drop the PMI (only about $50/month), seeing as how we're already at 20%, given the appraisal.

Thoughts?
Personal Finance Deals
New Arrivals: Givenchy - Dart Target Stars and Diamonds Print Wrap
Added on : Wednesday September 25th 2013 09:00:04 AM
This Target and Stars scarf from Givenchy adds a little playfulness to your day. Features targets on each corner with diamond center and argyle border. Made in Italy.
New Arrivals: Givenchy - Black and Gold Madonna Print Twill Silk Square Scarf
Added on : Wednesday September 25th 2013 09:00:04 AM
Bringing back the essence of art deco with Madonna as the centerpiece this Black and Gold Madonna Print Silk Scarf from Givenchy is a great addition to your wardrobe. Featuring classic Givenchy border motif with face of Madonna and Child in center. Made in Italy.
New Arrivals: Givenchy - Signature Twill Silk Square Scarf
Added on : Wednesday September 25th 2013 09:00:04 AM
Classic Signature Givenchy Silk Scarf featuring gold insignia on blue. Made in Italy.
Grunge chic with this 17 Pervert Givenchy scarf. Featuring the number 17, white stars boarder amid a black backdrop. Made in Italy.
New Arrivals: Givenchy - Floral Print Modal and Cashmere Oversize Scarf
Added on : Wednesday September 25th 2013 09:00:04 AM
Floral images of the West add a spalsh of color with this Paradise Flowers Silk Scarf from Givenchy. Featuring birds of paradise, hibiscus and bright green ferns accented with Western stars bloom into a graphic border. Made in Italy.
New Arrivals: Givenchy - 17 Madonna and Rottweiler Cashmere Print Wrap
Added on : Wednesday September 25th 2013 09:00:04 AM
Bringing back the essence of punk this Modal Cashmere print scarf from Givenchy is a great addition to your wardrobe. Featuring classic border with signet and Rottweiler, face of Madonna centered with 17 over top, clean finished edges. Made in Italy.
New Arrivals: Givenchy - Oversize Modal and Cashmere Doberman Print Wrap
Added on : Wednesday September 25th 2013 09:00:04 AM
Surreal as if in a dream this Doberman Modal Cashmere print scarf from Givenchy is a great addition to your wardrobe. Featuring multi-colour print with doberman in the center, clean finishd edges. Made in Italy.
New Arrivals: Givenchy - Doberman Tartan Wool Print Wrap
Added on : Wednesday September 25th 2013 09:00:04 AM
This country style tartan wool scarf adds a little playfulness to the trend. Featuring twin dobermans and a star in each corner, red tartan background and freyed edges. Made in Italy.
New Arrivals: Givenchy - Bug Crest Woven Silk Narrow Tie
Added on : Wednesday September 25th 2013 09:00:03 AM
Jacquard silk tie in black with geometric bug crest print. Made in Italy.
New Arrivals: Givenchy - HDG Signature Woven Silk Narrow Tie
Added on : Wednesday September 25th 2013 09:00:03 AM
Jacquard silk signature HDG tie in black. Made in Italy.
New Arrivals: Givenchy - Tartan Woven Silk Narrow Tie
Added on : Wednesday September 25th 2013 09:00:03 AM
Jacquard silk tie in red/black tartan plaid. Made in Italy.
New Arrivals: Givenchy - Black Print Silk Square Scarf
Added on : Wednesday September 25th 2013 09:00:03 AM
Made in Italy.
New Arrivals: Givenchy - Large Wool Print Wrap
Added on : Wednesday September 25th 2013 09:00:03 AM
Made in Italy.
New Arrivals: Givenchy - Green Wool and Silk Rottweiler Wrap
Added on : Wednesday September 25th 2013 09:00:03 AM
Made in Italy.
Michael J Fox Lucky Man Autobiog: $2.99 at AMAZON KINDLE
Added on : Monday September 23rd 2013 05:00:06 PM
g: 0 Posted By: MISTERCHEAP
Views: 224 Replies: 0 Lucky Man: A Memoir $2.99 (regularly $12.99)
http://www.amazon.com/gp/product/B00606WU3S/ref=as_li_ss_tl?ie=U...


Combining his trademark ironic sensibility and keen sense of the absurd, he recounts his life from his childhood in a small town in western Canada to his meteoric rise in film and television which made him a worldwide celebrity. Most importantly however, he writes of the last 10 years, during which with the unswerving support of his wife, family, and friends he has dealt with his illness. He talks about what Parkinsons has given him: the chance to appreciate a wonderful life and career, and the opportunity to help search for a cure and spread public awareness of the disease. He is a very lucky man, indeed.
Books Deals

Amazon Coupons
Making extra house payments, any downside?
Added on : Monday September 23rd 2013 07:00:16 AM
g: 0 Posted By: woowoo2
Views: 41 Replies: 0 Recently I have been given notice that my employer will be selling the business next spring.
At this point, my employment is unsure.

To create a little financial cushion, I have been making house payments every two weeks instead of monthly.
I am not making extra principal payments, just the regular house payments.

Are there any downsides to this?
Will this screw up my escrow account?

15 year VA mortgage with Navy federal.
Property tax and Insurance paid by escrow.
$408 payment, 3.2% interest rate, $35K left on the loan.
Next payment due in Feb. of next year.

Thanks.


Personal Finance Deals
MEGA Swatch - Large Granite and Wood Swatch Samples - Free Shipping
Added on : Monday September 23rd 2013 05:00:04 AM
g: 0 Posted By: Badlands07
Views: 196 Replies: 2 One of my favorite home decorating tools, large swatch samples from MEGA Swatch are on sale. Basically, if you order over $19.99 in swatches they throw in FREE SHIPPING. Here are the details:

- Website -http://www.megaswatch.com/
- Deal - Free Shipping if you use this code at checkout 'MEGA'
- Expires - TBD (no date given)


Home & Garden Deals
College Planning thoughts
Added on : Saturday September 21st 2013 02:00:09 PM
g: 0 Posted By: VAIndigo
Views: 71 Replies: 0 My daughter is in 5th grade and doing very good with her academics. We live in VA. Also to consider is I have a son aged 4 yrs.

Little late but I plan to start a 529 for her. Considering she is doing good, I want to be prepared for an IVY for undergrad , just in case.
Online tools estimate on average, 4 yr expense at 375k for her for any Ivy school. Being a VA resident my first choice should be VA529 plan. But given this situation, prePaid mayn't make sense. investPlan has a minimum expense at 0.35% with limited investment options. But the good part is I could get 5.75% state tax deduction on 5k per year which amounts to $280 per year. Of course that can be bumped up by opening multiple accounts.
Assuming I contribute 140k (presumed limit according to NY Vanguard plan), my total savings will be $8k

Comparing that to NY Vanguard plan

Expense ratio is 0.17% but I will not get state tax credit. More investment choice compared to VA plan.

Not sure to go with VA plan or NY plan.

Also total expenses being around 375k, how can we reach that contribution in next few years as there are contribution limits.

Am i missing any other innovative options... appreciate any insights.

I hear that grandparents could open an account and fund and could be better for aid evaluations. But in our case her GPs are outside US. Can they open and fund 529 in that case? Is there a considerable advantage for GPs to open an account with my daughter as beneficiary , how does it helps with aid? Better yet, can GPs open me or my wife as beneficiary so that funds wouldn't be traced to my daughters aid evaluation?

Appreciate ur inputs.
Personal Finance Deals
Roth vs Traditional 401k after raise/expected bonus
Added on : Saturday September 21st 2013 09:00:17 AM
g: 0 Posted By: Carterman32
Views: 48 Replies: 0 Hi,

I am trying to figure out how to dole out my retirement savings, and hope someone can provide some advice. I started the year making approximately $77k, then got a raise to $110k in March, and then another raise to $140k in mid September. I am expecting a bonus of around $30k. When all is said and done, my gross income for the year should be around $143k w/bonus. I have mortgage/tax deductions of approximately $12k, leaving me with a net income of $131k.

Right now, I'm splitting my retirement contributions 50/50 between a ROTH and TRADITIONAL 401k, but I was doing so because at the start of the year, I was in such a low bracket. I'm wondering if, given my expected income, I should make an immediate change to the allocation, and put everything going forward into a TRADITIONAL 401k. My company matches 2% of my 401k contributions, and I currently live in California (high tax rate).

What's the best course of action?
Question Deals
g: 0 Posted By: noshop
Views: 235 Replies: 0 Nintendo Wii Blast from the Past System Bundleby GameStop
Preowned console with 6 games (assume also pre-owned)

Not bad for what it is!


$79.99 + Shipping ($5)
Disney Epic Mickey
Disney Epic Mickey is an action-adventure platforming game for the Wii console that sends Mickey Mouse on an epic journey of creativity and discovery. As Mickey, the player is propelled into Wasteland, an alternate world made up of Disney's forgotten creative efforts, and is given the power to wield paint and paint thinner to dynamically change the world while determining Mickey's path to becoming an epic hero. Through the use of this unique paint and paint thinner, the key components of animation and Mickey's tools for impacting his world, players will have the ability to shape how the story unfolds as they discover the concept of "Playstyle Matters" - an innovative style of gameplay created by Disney Interactive Studios' Junction Point, led by industry luminary Warren Spector, where players creatively tackle different challenges in the world to explore all the possibilities and storylines - but with consequences for their chosen actions.

Wii Sports
Wii Sports offers five distinct sports experiences, each using the Wii Remote to provide a natural, intuitive and realistic feel. Players can use their own Mii caricatures in the game and play them against their friends' Miis for a more personalized experience. As players improve, their Miis' skill levels will increase, so that they can see exactly how much better they've become.

LEGO Star Wars: The Complete Saga
Building on the success of both LEGO Star Wars videogames, LEGO Star Wars: The Complete Saga enables families to play through the events of all six Star Wars movies in one videogame for the first time ever. From the Trade Federation's "negotiations" with Obi-Wan Kenobi and Qui-Gon Jinn in The Phantom Menace to the space battle above Endor in Return of the Jedi, The Complete Saga allows players to kick some brick through dozens of Story Mode levels.

Nerf N-Strike
The Search for the N-St rike El i te Begins. . . Through the din of a popular arcade, one player has emerged as the best N-Strike gamer his friends have ever seen. But even as Shane smashes through the game's record, something far more mysterious is happening: his success is being tracked and recorded. Shane is the perfect candidate for an ultra-exclusive invitation to become an N-Strike Elite. Later that night, he's awakened to find the Nomad C Series Recruitment bot hovering silently over his bed. "B.O.B." has a challenge for Shane. Join the quest to become an Elite Striker and he'll have access to Top Secret Blasters. It's all the incentive Shane needs, and as the one controlling Shane, it's your opportunity of a lifetime....

Star Wars: The Force Unleashed
12th Annual Interactive Achievement Awards Winner: Outstanding Achievement in Adapted Story The Star Wars saga continues in Star Wars: The Force Unleashed. You are Darth Vader's Secret Apprentice! The Dark Lord of the Sith himself has trained you to use a lightsaber and unleash the power of the Force, but now your destiny is your own. Will you join Vader as the next great Sith, or will you choose to defend peace and justice as a noble Jedi Knight? The expansive story, created under direction from George Lucas, is set during the largely unexplored era between Star Wars: Episode III Revenge of the Sith and Star Wars: Episode IV A New Hope.

Wii Play
Wii Play collects nine quick and addictive games that are easy to pick up and play and hard to put away. Thanks to the intuitive controls of the Wii Remote, even the most inexperienced gamers will have no trouble mastering the controls. Wii Play features nine seperate mini-games! Every game features a multiplayer mode, so you and your friends can compete for the high score or go head to head to see who's the best.
Pre-Owned Wii System Contains:

1 - Wii System.
1 - Wii Remote
1 - AC cable
1 - Standard AV cable
1 - Nunchuk and Sensor Bar



Nintendo Wii Blast from the Past System Bundle ‑ Wii
Wii Deals

GameStop Coupons
Key Point about Fed Announcement
Added on : Wednesday September 18th 2013 04:00:10 PM
g: 0 Posted By: dshibb
Views: 180 Replies: 2 Here's an uncharacteristically short post from me.

I thought maybe some people could benefit from some good context on the Fed decision today.

1) Many people don't talk about this much, but whenever Bernanke brought up tapering the part that bothered investors the most wasn't that he mentioned a reduction in asset purchases, but instead that every time he did he talked about a summer 2014 end date for QE in it's entirety. Being less than a year away from QE ending entirely spooked investors.
2)In case you didn't already know Larry Summers(who has voiced some pretty hawkish views) is out of the running for Fed chair. That largely leaves 2 mentioned candidates left who are arguably as dovish if not more dovish than Bernanke. Janet Yellen and Donald Kohn. Of course there is always the chance of a dark horse, but given Obama's proclivities likely a dovish candidate either way.

Now it looks like there will be no tapering in 2013 which means that it will have to be initiated by Bernanke's replacement which given who's left is likely going to be less inclined to do it as quickly.

Also, *they are not going to start tapering and then end QE only a couple months later.** If hypothetically they start tapering in the spring, they wont be done with QE until at least the fall of 2014, but odds are that this decision puts the end of QE beyond January 2015.

If you believe that QE is a pretty powerful force for markets that kind of move in timeline(from potentially summer of 2014 into likely well into 2015 maybe longer) is a pretty damn bullish for the time being.Now that should still be weighed against moderately overvalued equity prices and other things going on around the world, but this announcement is at least as significant as Draghi's "unlimited money" statement back in 2012 for the Eurozone.
Investing Deals
Key Point about Fed Tapering
Added on : Wednesday September 18th 2013 03:00:07 PM
g: 0 Posted By: dshibb
Views: 7 Replies: 0 Here's an uncharacteristically short post from me.

I thought maybe some people could benefit from some good context on the Fed decision today.

1) Many people don't talk about this much, but whenever Bernanke brought up tapering the part that bothered investors the most wasn't that he mentioned a reduction in asset purchases, but instead that every time he did he talked about a summer 2014 end date for QE in it's entirety. Being less than a year away from QE ending entirely spooked investors.
2)In case you didn't already know Larry Summers(who has voiced some pretty hawkish views) is out of the running for Fed chair. That largely leaves 2 mentioned candidates left who are arguably as dovish if not more dovish than Summers. Janet Yellen and Donald Kohn. Of course there is always the chance of a dark horse, but given Obama's proclivities likely a dovish candidate either way.

Now it looks like there will be no tapering in 2013 which means that it will have to be initiated by Bernanke's replacement which given who's left is likely going to be less inclined to do it as quickly.

Also, *they are not going to start tapering and then end QE only a couple months later.** If hypothetically they start tapering in the spring, they wont be done with QE until at least the fall of 2014, but odds are that this decision puts the end of QE beyond January 2015.

If you believe that QE is a pretty powerful force for markets that kind of move in timeline(from potentially summer of 2014 into likely well into 2015 maybe longer) is a pretty damn bullish for the time being.Now that should still be weighed against moderately overvalued equity prices and other things going on around the world, but this announcement is at least as significant as Draghi's "unlimited money" statement back in 2012 for the Eurozone.
Investing Deals
Budgeting effectively using multiple accounts and automatic transfers
Added on : Wednesday September 18th 2013 12:00:05 PM
g: 0 Posted By: loheiman
Views: 81 Replies: 0 I'd like to create a discussion and see how savvy FWers setup their bank accounts, credit cards and automatic transfers for the purpose of effective budgeting.

I've never really been serious about this before but I'm 26 now have little savings and want to change that (have paid off my student loans tho!). I've used Mint and Yodlee for years to track transactions and have spent the last few months using Mint to budget but I feel it's not ideal for accounting for irregular expenses or saving for future goals etc.

My goals are to:
Create scarcity and properly account for future expenses/obligations so I know exactly how much money I can spendat any given time
Ensure that I "pay myself first" and properly save for the future
Create an easy way to save for goals/big purchases such as new laptop, phone, clothes etc

I got inspiration fromthis article on the 4 hour work week blog. I like the idea of automatic transfers and divvying up money into many sub accounts but am unsure how well this will really work with credit cards. Using debit/check cards would obviously simplify this but I can't get myself to do that because I don't want to give up 1) the layer of protection from fraud 2)Lack of liquidity due to large holds and 3) CashBack, miles, points etc

FYII get paid twice a month, on the 31st and 15th via direct deposit with no 401k plan available

MONTHLY FLOW OF MONEY
31st of month:
100% of paycheck direct deposited into central checking account

2nd of month:
40% of paycheck transferred to Monthly Expenses account (used for rent, utilities, bills)
25% of paycheck transferred to Savings account (for retirement/future)
3% of paycheck transferred to Travel account (for travel/vacation)
1% of paycheck transferred to Irregular Expenses account (Misc expenses such as dr co-pays, contacts, renters insurance etc)
31% of paycheck transferred to Everyday Spending account (for food, entertainment, fun etc)

15th of month:
Same as 31st of month

17th of month:
Same as 2nd of month


PAYING FOR THINGS
My thinking here is to have a separate credit card for each type of expense (Monthly, Irregular, Travel etc) and pay each credit card off from its corresponding checking account.

Where I'm a bit stuck is how to pay for Everyday Spending:If i'm constantly using a credit card here, my "view" into how much I have to spend is clouded by two things: 1) The lag of credit card transactions posting to account and 2) Always having to do mental math of subtracting the credit card balance from my Everyday Spending account. Any ideas here? Cash only is not an option as I frequently purchase items online (Amazon prime addict here!)


MISC INFO:
I plan to use Alliant checking acounts for the bulk of my accounts because it transfers money very fast to/from external accounts and instantly between internal accounts
I'd also use Alliant checking for my Everyday Spending account but I've been spoiled by Schwab and the idea of searching for In-Network ATMs sounds terrible
I often open credit cards/checking accounts for miles/bonuses so it'd be nice if I could do that without tangling with my regular accounting


QUESTIONS FOR YOU:
What do you do?
How well does it work?
Have any of you given up credit cards to simplify your system?
How do determine how much spending money you have at any given time and make guilt-free purchases?

Any and all feedback/input/advice is welcome. Thanks!



Personal Finance Deals
g: -1 Posted By: discretion
Views: 268 Replies: 0 Only $1.00 with a beard

Grow a beard
Paint on a beard
Wear a fake beard


Tonight only!

Once they win the WS this year all will be forgiven & Fenway will return to sellout status, so don't pass this chance up.

Watch them run over the Orioles on their way towards the ALCS & WS
Restaurants & Entertainment Deals
Fighting HOA Condo Assoc Rules Cant sell Cant Rent
Added on : Tuesday September 17th 2013 09:00:06 AM
g: 0 Posted By: gdrum
Views: 195 Replies: 5 We listed a condo for rent for 950 month. 2 bedroom 1300 sq ft, 1 car. The amount owed is 80, and the property is worth 80. Instead after realitor comissions, inspection repairs I figured its better to rent it and walk away with 300-400 a month in the green then lose 7-10k. I figured I might have some problem with HOA as they have a cap for rentals but never thought it would escalate more then a warning. 3 days after listing for lease on mibor we received a letter and email from the president of the HOA advising if we do not change the listing from lease to sell we would face legal issues. Below is a blip of what they forwarded me.We of course immediately changedthe listing to for sale. The community is on the FHAnon-approved communitys due to number of rentals so there goes a large percentage of my buying market.

I requested additional informationin regards to the rules below. What were the total number of properties? What does 20% mean? How many are currently rented? How long is the waiting list? What is the current HOA budget?Ihad no response with any information or communication. I was made aware there were 3 or 4 lawsuits filed at this current point with the HOA. We do not know if its hoa to owner or owner to hoa.

Questions. What legal action could they tie me too? I have had 4 or 5 requests to rent it in the last week. What could they do legally? If I went to court could I stand before the judge and explain I am just someone trying to pay my bills and have no other options? Maybe I need to wait to sell another month then go that route? Can I waste his time requesting certified mail/letters/legal just because I feel like thats what I should do at this point? What are your suggestions, ideas for moving forward with this situation?


=12ptHere is a copy of that section for your records. We appreciate your immediate compliance.=12ptFurther communications will be answered they Courtney. =12ptArticle XI
Leasing of Condominium Units and Maximum Number of Condominium Units Owned =12ptSection 11.01. Limits on the Number of Leased Condominium Units ("Rental Cap").In order to insure that the residents within Avon Village share the same proprietary interest in and respect of the Condominium Units and the Common Areas and to assist in Avon Village purchasers being able to obtain federally insured or backed mortgages, no more than twenty percent (20%) of the Condominium Units may be leased or rented to non-owner occupants at any given time, except as may be otherwise provided in this Article XI. The Condominium Units described in the next paragraph of this Section 11.01 shall count towards the twenty percent (20%) "cap". If at any time such percentage of Condominium Units are leased or rented, an Owner who wants to rent or lease his or her Condominium Unit which is not already rented shall be placed upon a waiting list by the Board of Directors. When an existing tenant moves out, the Owner of that Condominium Unit shall immediately notify the Board of Directors or Managing Agent of such fact and that Condominium Unit cannot be re-rented until all prior Owners on the waiting list, if any, have had a chance to rent their Condominium Units. Prior to the execution of any lease, and in addition to the requirements set forth below, the Owner must notify the Board of Directors or the Managing Agent as to that Owner's intent to lease his or her Condominium Unit. After receiving such notice, the Board of Directors or the Managing Agent shall advise the Owner if Condominium Units may be leased or whether the maximum number of Condominium Units within Avon Village is currently being leased. If the maximum number of Condominium Units is being leased, the Board of Directors or the Managing Agent shall also notify the Owner of that Owner's position on the waiting list.
Personal Finance Deals
Why Generation Y Yuppies are Unhappy
Added on : Monday September 16th 2013 05:00:05 PM
g: 0 Posted By: bigdinkel
Views: 187 Replies: 2 Pretty interesting article here and I agree with a majority of it. As a Generation Y or "Millenial" I think we've been nurtured to think that if we work hard and try our best then the Sky is the Limit. I'm thankful to be a college graduate and have a good standard of living, but I am not as delusional to think that the dividends of hard work come overnight. I do feel "special" but that doesn't mean that I should ever receive special treatment. I feel "special" because of the unique talents and abilities I've been given. Overall, this article is pretty accurate of my Generation.



http://www.huffingtonpost.com/wait-but-why/generation-y-unhappy_b_3930620.html
Discussion Deals
Reapplying to a position from a year ago
Added on : Monday September 16th 2013 10:00:07 AM
g: 0 Posted By: rza1
Views: 292 Replies: 7 I'm currently looking for a job and I came across the same opening for a position that I interviewed for nearly a year ago.I made it all the way to the in-office interview before getting rejected. I thought I did decent enough to get the offer, but I plan to interview better this time if given the chance. Should I try emailing the head of HR who I passed me to the in-office interview? Any tips on how I can use what happened last year to get back in the interviewing process for this position again? I haven't applied online yet.
Personal Finance Deals
Need Advice- Scammers going after grandpa suffering from dementia
Added on : Sunday September 15th 2013 07:00:06 AM
g: 0 Posted By: dpa789kd
Views: 28 Replies: 0 Hi. I found out this weekend after going home to my parents that they believe my grandpa is starting to suffer from dementia. Mom has been helping him with his finances after grandma passed away a couple years ago and in about June she noticed some weird expenditures and phone calls when she was there. Telemarkerters had been bombarding him and he was donating money to what sounded like worthy charities. Her along with the other siblings talked to him about it and how they weren't legit, and he agreed to change his phone numbers and stop donating. It never stopped though and now as they start looking into things it appears he has given money via credit cards and cashiers checks to several "charities" claiming to be helping refund the social security fund, helping families of fallen soldiers, and a couple that promise him $1 million if he just sends then a couple thousand. In their talks he knows he's being scammed, but he keeps falling for it. We think it might be the early signs of dementia and partly that he is lonely since grandma passed away. I tend to think it has more to do with loneliness as he is very coherent when I'm home and still very sharp.I think they appeal to his soft side. Mom overheard him talking to one the other day and she asked to talk to them. Asked them to stop taking advantage of her father and the guy told her it was none of her business and to put her father back on the phone.

At this point we think it's anywhere from $10,000 to $30,000 that he has lost. It's hard to know because he buys/sells/trades antiques and it's hard to know how much he might have just sent off via a cashier's check. No one expects we'll be able to recover anything, but we don't know how to stop the scammers if he's willing to participate. They are trying to get him to see a doctor and possibly give an aunt power of attorney if it comes to it. He's very stubborn and upset that the family is now going through his mail, but he also knows what he's doing is hurting him. My mother is very easily overwhelmed with things like this and I would like to help him.

Here are a few questions I'm trying to figure out. If anyone has experience with this, any advice is welcome. I looked for a Do Not Call topic on here that I thought I had seen in the past detailing how to go after the scammers, but couldn't find it. I also don't know if that's an option since he agrees to send them money, even if he's on the DNC list. Also, just to clarify, our family is very close so there are no issues with greedy relatives or anyone trying to get his money. All the brothers/sisters live within a couple miles of him and just want to make sure these crooks aren't robbing him of money he's saved for his retirement. From what I know the will is already laid out on who would get what, and there isn't that much to fight over anyway. But it's killing my mother to see him do this and then for him to be so mad at her when she tries to talk to him about it.

My questions:
1) Is there any recourse with the attorney general or FTC to get them to stop calling? Wehave changed his numbers but they still call and he gets all kinds of junk mail. Can the junk mail be stopped somehow? Mom tries to go through it each day before he gets it since they are only down the road, but he gets so mad.
2) Is there any way to recover any of the money? I assume this is a lost cause since the #'s she has seen are from Nigeria and Canada.
3) Mom was put on his checking accounts so she could help with finances a couple years ago. Now they are concerned in a worse case scenario she might be held liable if he were to sign something. His bank told her not to be concerned, that they saw almost no way she could be held accountable. I would assume anything he signs could be argued that he was not of sound mind when he entered the contract?
4) Are there any other avenues to explore with options on how to stop him that we haven't thought about? It seems hard to get him to stop when he's not always willing to quit.
5)Another issue is even if they get POA, he has a bunch of these antique tractors that he buys, restores, and sells. It's very easy for him to take cash for one and go get a cashier's check without anyone knowing before it's too late. They don't want to lockup the sheds and make him feel like aprisoner, but ifit's getting as bad as mom thinks it is, are there any other options?

At this point they are trying to get him to a doctor, possibly getPOA, change his phonenumbers again, get them on the DNC list.


Sorry for the rambling throughout the post. I realize it's not very well organized and will try to update it as moreinfo becomes available.I am going to contact the state attorney general tomorrow for advice.Thanks again.
Personal Finance Deals
g: 9 Posted By: mistadeal
Views: 6733 Replies: 47 WalMart has been given permission by Apple to discount the price of the iPhone models5S ($199.99->$189.99) and 5C ($99.99->$79.99) upon launch. No word yet whether this will extend to other retailers. Standard 2 year contract obviously required.

Text - CNET article.

Also discounts on old phones:
As of today, the 16GB iPhone 5 drops in price to $79 from $98. The 8GB and 16GB iPhone 4S now are priced at just 97 cents. And starting September 16, the iPhone 4 will cost you a dime and come with a $100 WalMart gift card. All of those prices naturally require a two-year agreement.

Buyers who prefer an unlocked iPhone can purchase the iPhone 5 for $549 and the iPhone 4 for $349 through WalMart's Straight Talk prepaid plan. Both represent a savings of $100 from the previous price and will be available to customers starting Saturday.
Cell Phones Deals

Walmart Coupons
iPhone 5S $189.99; 5C $79.99 at Walmart (Starts 9/20)
Added on : Thursday September 12th 2013 07:00:10 AM
g: 0 Posted By: mistadeal
Views: 404 Replies: 0 WalMart has been given permission by Apple to discount the price of the iPhone models5S ($199.99->$189.99) and 5C ($99.99->$79.99) upon launch. No word yet whether this will extend to other retailers. Standard 2 year contract obviously required.
Text.
Cell Phones Deals

Walmart Coupons
Royal Envoy game free (ends midnight pacific time Sept 7th)
Added on : Saturday September 07th 2013 08:00:07 AM
g: 0 Posted By: happypants
Views: 61 Replies: 0 I got this the previous time in was given away and it is a fun time management game.

http://game.giveawayoftheday.com/royalenvoy

Take the Kings challenge! Save the wonderful land of countless islands from the merciless forces of nature. Construct and upgrade homes and buildings for the island citizens and become the chief city planner of marvelous Islandshire. Think your way to triumph in this challenging and mesmerizing game of pirates, treasure and hot-air balloon adventures!Dont lose a chance to experience all of the exclusive Collectors Edition extras: Take a peek at the authentic artwork, learn how the characters were created, enjoy the original soundtracks or get the magnificent wallpapers that will turn your desktop into a magical kingdom!Features:

Unique blend of time management and strategy
9 delightful islands to rebuild
Great variety of homes and buildings to construct
Over 90 challenging levels with 8 bonus quests
Captivating storyline with charming and whimsical characters
Comprehensive guide, making-of, animated screensaver, gorgeous wallpapers, original soundtracks.

Totally Free Deals
Getting a mortgage now before house is finished being built
Added on : Friday September 06th 2013 06:00:05 AM
g: 0 Posted By: scotto777
Views: 108 Replies: 2 My sister and brother in law just put down a deposit on a new house. The house will not be finished until February, and the earliest they can lock in a mortgage is December. Given that rates seem to keep ticking up, they'd rather lock in now before rates go up any further. Anyone know of a way or a mortgage provider willing to lock in a rate now as oppose to waiting until December? Appreciate the help and insight.
Personal Finance Deals
Interest on death benefit payment for months after death until payout
Added on : Thursday September 05th 2013 10:00:11 AM
g: 0 Posted By: DTASFAB
Views: 2 Replies: 0 My father died 13 months ago. He had a 403(b) on which I was the sole beneficiary. I sent in paperwork to have the entire lump sum rolled out to an inherited IRA in October. The check to the IRA custodian wasn't cut until the end of January, more than 5 months after my father's death. I had been led to believe the full amount in the account would continue earning 7% interest for at least 6 months after his death, but that's not what the New York City Teachers' Retirement System has written to me in a letter. The letter states the following:

In accordance with the 1991 TRS Board Resolution regarding interest payments on death benefits, interest is credited using the lesser of on (sic) declining rate schedule or the rate of return on the TRS Non-Variable Annuity Funds. Previously, TRS erroneously applied only the declining rate. However, for payments issued on or after the March 2012 payroll, we started correctly doing both calculations and applying the applicable one. Please note that the rate of return earned by TRS on its Non-Variable Annuity Funds for the current quarter is based on the annual rate of return for the last previous quarter as reported by the Office of the Comptroller.

Furthermore, by resolution of the Teachers' Retirement Board on September 20, 2012, "where interest on a qualified pension plan or tax-deferred annuity death benefit is due, the rate of interest shall be the lesser of (a) 5% simple interest for the first year following the member's death and reduced by 1% simple interest per year for each of the following four years; or (b) a simple interest rate equal to the actual net rate of return on TRS' qualified pension plan fun assets calculated from the date of death of the member as determined quarterly (based on the previous quarter) by the Chief Accountant pursuant to data provided by the responsible agencies (but in no case shall principal be reduced)."

As further stated in the above-noted resolution, "the interest rate to be paid on a death benefit shall commence on the thirty-first day after the date of death and will continue until the earlier of the following date: a. the date the death benefit payment is issued, b. five years after the date of death, or c. six months following the date on which TRS sends death benefit claim forms to the beneficiaries."

For your information, we have enclosed a detailed breakdown of the interest computation used to calculate the interest on your TDA death benefit.

Earlier in the letter, it states, "your father's TDA account became inactive as of his date of death."

I've given up hope of getting 7%, which would have been around $40K for the 5 months in question, despite at least two TRS phone reps telling me the money was still earning that return, once last September and once last December.

Interestingly, although he died before the 9/20/2012 resolution, it was within less than 30 days of that date. I'm not sure if that makes a difference.

According to the interest calculations worksheet they enclosed with the letter, quarterly interest (5% declining rate) would have been over $18K. Quarterly performance was only $1065, which is what I got. I'd like to collect the difference of about $17,600 if possible. I've contacted a FINRA lawyer who said the case was way to small for him even if it were a slam dunk, but he recommended that I try the securities arbitration clinics at local law schools. They don't want to deal with this and referred me to the bar, where I got a reference to another lawyer this morning who I called. I left him a message and he hasn't called me back yet.

Questions:

(1) How relevant is the September 20, 2012 board resolution? Can they apply any new rules or procedures they enacted on that date to my father's account? They stated earlier in that very same letter that his account became inactive when he died. Therefore, wouldn't it have to be administered according to the rules and procedures in place at that time?

(2) The way this letter is written is confusing to me. In the fhird paragraph that begins with, "As further stated in the above-noted resolution," it's unclear whether they're referring to the 1991 resolution or the 9/20/2012 resolution. I'm not sure if it matters. Additionally, it seems the correction was made in March of 2012, and the 9/20/2012 resolution was included only for the purpose of detailing the method by which the Chief Accountant is to calculate the simple interest rate in part (b), which in my case was $1065.

(3) Basically, I think I'm screwed and I probably have no case to recover the $17,600 difference. Should I bother putting more time and effort into this?
Staples 25% Rewards through 9/4 with coupon
Added on : Tuesday September 03rd 2013 12:00:02 AM
g: 0 Posted By: thx
Views: 1 Replies: 0 Go here

Usual boilerplate T&C:

*Valid through 9/4/13 in Staples U.S. stores only.No limits per day or per member. Offer valid only for original recipient of this email as sent by Staples and coupon must be presented at time of purchase. Not valid on prior purchases. Promotion is in lieu of standard Staples Rewards. Maximum of one Rewards promotion will be given for each item purchased. Price eligible for Rewards is the amount paid at checkout after application of all promotions, coupons and Rewards redemptions and does not include tax. Not valid on desktop or laptop computers, tablets, netbooks, Apple products, Bose products, Amazon Kindle, NOOK, Epson ink and toner, custom printing orders placed online, gift cards, mobile phones and mobile phone services, Staples EasyTech(sm) professional-grade and on-site services, depot repair and parts, phone cards or postage stamps. Must be a member of Staples Rewards. Staples Rewards membership is FREE. Staples Rewards are issued online monthly when the value of the Reward is at least $10. Rewards expire no less than 60 days after issuance. Monthly balances of less than $10 will roll over each month until the minimum is met for that calendar quarter. If the $10 minimum for the quarter has not been met, the balance will expire at the end of the quarter. Limit one Staples Rewards account per person or at any mailing address. For full program details, visit StaplesRewards.com.
Staples 25% back in Rewards (Exclusions apply) - 9/3 & 9/4/13 ONLY
Added on : Monday September 02nd 2013 08:00:12 PM
g: 3 Posted By: NoMoneyInMyWallet
Views: 401 Replies: 4 http://www.staples.com/coupons/

Coupon code: 32242

Valid through 9/4/13 in Staples U.S. stores only. No limits per day or per member. Offer valid only for original recipient of this email as sent by Staples and coupon must be presented at time of purchase. Not valid on prior purchases. Promotion is in lieu of standard Staples Rewards. Maximum of one Rewards promotion will be given for each item purchased. Price eligible for Rewards is the amount paid at checkout after application of all promotions, coupons and Rewards redemptions and does not include tax. Not valid on desktop or laptop computers, tablets, netbooks, Apple products, Bose products, Amazon Kindle, NOOK, HP ink and toner, Epson ink and toner, custom printing orders placed online, gift cards, mobile phones and mobile phone services, Staples EasyTech(sm) professional-grade and on-site services, depot repair and parts, phone cards or postage stamps. Must be a member of Staples Rewards. Staples Rewards membership is FREE. Staples Rewards are issued online monthly when the value of the Reward is at least $10. Rewards expire no less than 60 days after issuance. Monthly balances of less than $10 will roll over each month until the minimum is met for that calendar quarter. If the $10 minimum for the quarter has not been met, the balance will expire at the end of the quarter. Limit one Staples Rewards account per person or at any mailing address. For full program details, visit StaplesRewards.com.

credit to ii.Bao / SD

=======================

Important bits: (thanks bvph)

--- Only the OutOfPocket amount will earn 25% back in rewards (so after coupons, after rewards, etc)
--- Kiosk orders, at least those paid for in-store, are in-store purchases for rewards purposes and hence this offer
--- While the coupon will attach to purchases for two days after the expiration date, the rewards offer ends 09/04/2013. Once the rewards offer expires, even if the coupon attaches, no rewards will be awarded.
--- Only one rewards offer per item. The 25% back in rewards offer over-rides lessor rewards offers (e.g. the standard 5% back will not be earned as well) just as a greater rewards offer would over-ride the 25% back in rewards offer.
--- The 25% back in rewards coupon will attach to anything. Regardless of what the coupon attaches to in-store, the rewards system will only award rewards according to how the offer was programmed into the system which is usually per the terms.
--- The 25% back in rewards coupon did not play well with non-product specific dollar off app coupons in the last go around. It was either one or the other but not both.

=======================
Office & School Supplies Deals

Staples Coupons
Wet Seal | Additional 60% Off Clearance + Coupons
Added on : Monday September 02nd 2013 05:00:07 PM
g: 0 Posted By: isabellajones
Views: 118 Replies: 0 http://www.wetseal.com/catalog/category.jsp?categoryId=809&viewA...

Additional 60% Off Clearance
Discount Given at Checkout

Save More w/ a WS Coupon

$15 Off $85+ w/ Code: WS1585
$10 Off $70+ w/ Code: WS1070
$5 Off $55+ w/ Code: WS555
10% Off Entire Purchase w/ Code: WELCOME10



*Free Shipping $15+ (through 9/2)
Free Shipping $50+ or $5.95 Flat Rate Shipping
Clothing Deals

Wet Seal Coupons
g: 0 Posted By: MISTERCHEAP
Views: 118 Replies: 0 http://www.couponresourcecenter.com/p/blog-page_8.html
Discussion Deals
ShopAmex up to 40% discount ymmv
Added on : Sunday September 01st 2013 08:00:10 AM
g: 0 Posted By: mannyv
Views: 342 Replies: 1 Just logged into ShopAmex and noticed I had a 20% off on all membership rewards point-based purchases. I picked up a Philipps Hue at the Amex Apple Store for 20% off, which is a nice discount, considering the Apple Store discounts are pretty rare.

Apparently you can get up to 40%, but I have no idea how you get a given discount level. Discounts expire at the end of September.

Amex Gift Cards are listed as discounted, but I wasn't able to actually see a discount for any of them.
Services Deals

American Express Consumer Coupons
"Unsafe lane change" ticket-HELP!!
Added on : Sunday September 01st 2013 07:00:09 AM
g: 0 Posted By: stagesiren7
Views: 231 Replies: 22 Okay, so last night I got this completely bullshit ticket for an "unsafe lane change." This was shortly after leaving a light and the cop was behind me. I had my phone in my hand- I was not texting, I was trying to play a song and I was using the "voice-to-text" feature to pull it up. I glanced down for maybe a second and apparently swerved. The cop pulled me over-did not ask if I knew why he stopped me-only if I had been drinking and when I said "No, sir." He said "Well, are you aware that you nearly side-swiped me with your car? I mean was it because you were texting? I don't usually pull people over for texting because we have bigger fish to fry but that was pretty dangerous." I told him that I was not, in fact, texting and what I actually had been doing-so then he tested my eyes to confirm I was not drunk and then asked me to get back in the car. After taking down my information and talking with the other cop who showed up for about 15 minutes, he said "Try to be more careful, alright? You're not a very good multi-tasker are you?" -I felt his tone was demeaning when he said this- I told him that I actually was, and he said "Well, not when you were driving-don't have your phone in your hand when you're driving because you're not a very good driver in that case." I said "I do apologize." I thought, no way in HELL is he going to give me a ticket-and then he does, and says "You got a ticket for not driving in your lane." I was shocked, speechless. I had absolutely no idea what to say.

In retrospect I feel like I could have appealed to him and gotten him to change his mind and let me off with a warning. He asked if I had any questions, and I said no-he indicated my court date and left. Which of course will have to get changed because I have school during that time. There is no fine written or indicated anywhere on the ticket. This is just absolutely UNbelievable. I feel like the only real reason he gave it to me was to help meet his quota. I was with a friend who got pulled over several years ago for swerving and she was not given a ticket. I have been with TWO friends at two different times who were driving drunk, or at least one was very drunk and the other had a sufficient amount of alcohol in her system-she was driving the wrong way in a turning lane- and THEY DID NOT GET SHIT. It would be me that gets ticketed. That is my life. By the time I got home I was absolutely hysterical. I couldn't stop crying. The issue itself is, obviously, mundane but the principle is what's really getting to me. It's so ridiculously absurd and completely unfair. I'm a university student who is also starting a brand new job- I should not have to deal with this. Already I have lost sleep over it.

So, my question is how exactly do I approach this? I really feel like it should just be dismissed but I don't know what the chances of that are. What do I say in court? What the hell do I do?? I was googling advice and I saw an article that said "Write to the officer and see if he will dismiss the ticket." And then another one that said "Try to delay your court hearing as much as possible because the officer is more likely to forget the details." It's already not until the end of the month-but like I said I will have to change it because I have school. I really don't know what the best course of action is here. I am just so angry and upset and I hate that goddamn asshole cop. I do have a lot of respect for cops that do their job properly-not this one. The cop's tone the entire time was not even serious-it was almost like "I can't believe I'm not only 1. Wasting everyone's time doing this but 2. Issuing a ticket for it. Holy shit this is embarrassing." (yes I really need to vent here.) I was driving home late (about 1:30 am), my speed was clocked at 15 and there was almost no other traffic on the road (certainly none where we were) and obviously they were looking for drunk drivers but I was the best they could do because they are absolutely pathetic. I really need advice here, please help.
Preparing to be terminated, few days to act or change minds
Added on : Thursday August 29th 2013 07:00:09 PM
g: 0 Posted By: ptanders
Views: 117 Replies: 2 Sorry, alt-ID here. I'm in a similar predicament to LosingMyShirts thread here

Salaried employee. Did something incredibly stupid -- used corporate funds to purchase random personal consumables (computer hardware upgrades (pricey solid state drives, latest computer processors, max memory, flash drives) for me and my family members, including lots of random odds and ends such as a good amount of recordable media). As part of my technical job, I order 100's of thousands of dollars of equipment and supplies for our large department. I crossed the line and purchased a lot of personal items, little by little, tacked on intermittently to legitimate purchases, over the past 2-3 years. Unfortunately, some of these items were pricey and detected today by a random audit by my director. Items totaled $10-20 grand -- a lot of retail markup (e.g. $300 product priced up to $500). Regardless, it was significant. Almost all of this was personal consumption -- some were incompatible and I discarded them, others I gave to local and non-local family/friends.

Director has notified HR and our VP but wanted to talk with me first. Director requested I return as much of the high value items as possible (by next Tuesday, as I am on vacation tomorrow/Friday), to prove I did not resell them (I have resold very few items, used, no more than 5% of the total). The mass majority were/are still being used. I'm trying to gather up as much as possible as I discarded older/incompatible items and gave away some. Since I no longer am in direct possession of a few of these items, I've trying to locate exact, or similar, replacements immediately through Craigslist. For the computer components still in use, I noted the difficulty in removal and possible loss of data, so the Director said I can bring in the whole item (e.g. laptop) -- I'm hoping a picture of the installed hardware (with a work badge beside it) will suffice, as I have several computers I don't want to drag in.

Director did not say I was being terminated, but did say this is a terminable offense, which I completely agree with. Director mentioned my many years (almost decade) of great contributions and noted this a significant lapse in judgement. I took responsibility and apologized profusely.I noted this was an isolated event (or series of events) and that nothing related to my work function was affected, i.e. maintained integrity in all other work aspects, which is true.As this is a large multi national, I asked if Director would relent to a transfer elsewhere if I've betrayed trust beyond repair, Director said would need to give it more thought.

My hope is my stupid indiscretion will not be widely announced, nor will I face criminal prosecution (I have no prior history). If this is the case, and regardless of whether I am terminated, I am considering a position in a separate department (I recently had a conversation with the hiring manager about the opening and was highly considering applying), both for the paycheck and medical benefits. I injured my hip and knee playing sports the last few years, so was/am planning surgeries on both later this year or next, so the medical benefits are a significant plus. Thankfully, Obamacare kicks in next year and I can pay premiums out of pocket in case of extended unemployment.

FWF has always given helpful and prescient advice. I imagine chances are I will be terminated.
1) Should I take the trouble of gathering and bringing in these items? Especially scouring for the few unaccountable items via Craigslist? Is it just more evidence against me? Or does it help avoid prosecution/etc because it shows transparency in that almost everything was for personal consumption (i.e. not resold for financial gain)?
2) Should I pursue the opening in the outside department? Should I notify my Directors/HR of this possibility when I am (likely) meet with them on Tuesday? Because this is a somewhat related department/work function, personnel will cross-communicate, so this would eventually be revealed, regardless
3) I doubt I will be offered a severance package, but is it likely they make me sign termination papers? Should I try to negotiate something, like no future prosecution or that this indiscretion won't be revealed?
4) Should I be seeking legal counsel immediately? Or await my fate next week?

Thanks in advance.


New User Question Deals
Land Dispute: drop it or press on ?
Added on : Wednesday August 28th 2013 08:00:09 AM
g: 0 Posted By: IgorYakovenko
Views: 5 Replies: 0 =xx-small ! important3Hello,

Old neighbors moved out; builder razed the house, chain-linked the property 8" over to us.

According to this thread, there are two kinds of surveys(full and not). The full one requires the surveyor to be bonded(for future disputes,errors), poles/pins are set, and a legal document is furnished.
http://www.fullofdeals.com/forums/finance/312692/

We have had a survey done years past, and so had the old neighbor. I dont know whether either survey was the full complete one;( though I am doubtful)

Overall, its only 8". However, we are in a culdesac/circle, narrow lots in front, and wide in back. The 8", given the narrow lots in front moves the boundary more noticeably.
(This used to be a quiet neighborhood, but things are very legalese now.)

Anyhow, we are in the Chicago suburban market; any advice/tips on how to best proceed? Should I talk to a lawyer first, or do my own legwork somehow(ie are these docs located at city dept.; Further, I dont see any pins at the corners set by the builder or how to verify? )

best
Get Some Useful Free Kindle Ebooks
Added on : Tuesday August 27th 2013 05:00:06 PM
g: 0 Posted By: whiteb8791
Views: 2 Replies: 0 Healthy Breakfast Recipes For Kids: Quick & Easy Meals For Healthy Children, Parenting Has Never Been More Easy. (Healthy Recipes For Kids)http://www.amazon.com/gp/product//B009MA9B0E (You save: $2.99)Don't Call Me Mother: A Daughter's Journey from Abandonment to Forgiveness =16px[Kindle Edition]http://www.amazon.com/gp/product//B00B8KLNU2 (You save: $5.95)Organic Food: Eating Organic on a Budget =16px[Kindle Edition]http://www.amazon.com/gp/product//B008IWX0TU (You save:$4.99)Expecting Your First Baby: First Pregnancy Ultimate Guide =16px[Kindle Edition]http://www.amazon.com/gp/product//B00BL7D4AE (You save:$5.97)Bad Publicity (An Isobel Spice Novel) =16px[Kindle Edition]http://www.amazon.com/Publicity-Isobel-Spice-Novel-ebook/dp/B00C... (You save: $3.99)A Rush to Violence (Book Five in the Fifth Avenue Series) =16px[Kindle Edition]http://www.amazon.com/Violence-Fifth-Avenue-Series-ebook/dp/B008... (You save: $3.99)Forgotten Canyon (A Treasure Hunters Short Story) =16px[Kindle Edition]http://www.amazon.com/Forgotten-Canyon-Treasure-Hunters-ebook/dp... (You save $0.99)Cycles (Cycles Series) =16px[Kindle Edition]http://www.amazon.com/Cycles-Series-ebook/dp/B006MWFKKK (You save $0.99)DOLCI (Simply Delicious) =16px[Kindle Edition]http://www.amazon.com/DOLCI-Simply-Delicious-ebook/dp/B00DR2UA30 (You save $4.99)Deadland: Untold Stories of Alice in Deadland (Alice, No. 5) =16px[Kindle Edition]http://www.amazon.com/Deadland-Untold-Stories-Alice-ebook/dp/B00... (You save $2.99)The Survival of Thomas Ford =16px[Kindle Edition]http://www.amazon.com/The-Survival-Thomas-Ford-ebook/dp/B006Q68W... (You save $2.99)Silver Storm (The Raveneau Novels, Book 1) =16px[Kindle Edition]http://www.amazon.com/Silver-Storm-Raveneau-Novels-ebook/dp/B005... (You save $0.99)Bullied (Book One in the Bullied Series) =16px[Kindle Edition]http://www.amazon.com/Bullied-Book-One-ebook/dp/B004W8E9BW (You save $2.99)














Need New Federal Student Loans To Qualify For 10% IBR
Added on : Tuesday August 27th 2013 09:00:13 AM
g: 1 Posted By: perpetualstudent
Views: 139 Replies: 2 I went to grad school in 2009 to 2011 for an MBA and took out massive student loans. While things were not unexpected, basically everything went as badly as they could. (A) not qualifying for in-state tuition. (B) massive tuition increase between first and second year (C) not qualifying for an assistantship either year (D) not obtaining a paid internship and working for free over the summer.

While I did have a risk plan going in, every single risk occurred simultaneously and my mitigation strategy for this outcome was to use Income Based Repayment and qualify for forgiveness after 25 years. Had at least half of the things went right, I intended to pay back the student loans within 5 years. But everything possible went wrong and $150k of federal student loans at a weighted average of 7.4% interest is not something I can reasonably pay back. While this intro has nothing to do with the question in the post, I list it for background information.

The strategy now is to legally use the system in my favor and that will involve taking new federal student loans, because our president's student loan executive order in 2012 only helps people who have at least one student loan in 2012 or later, and who have no loans prior to 2008. If I get in that plan, then my IBR drops from 15% of my discretionary income down to 10% and the 25 year repayment period drops to 20 years.

I ran the numbers and it would make sense for me to stop working for a year and do one more year of school, in any program, it doesn't matter what, just so I can take out new federal students and thus put all $150k onto the new 10%/20 year plan. The new IBR rules apply retroactively to all previous loans, if you have at least one loan in 2012, not just to loans in 2012 and later.

The problem is only federal student loans work and certain criteria, of which I'm not certain of, must be met in order for federal loans to cover tuition. It's my understanding it must be some kind of "degree-seeking program." I don't think I can get a federal student loan to cover massage therapy school, for example.

Can anyone recommend how I might get a new federal student loan issued, considering I already have an MBA and a BA degree?

For anyone who thinks I'm a deadbeat, consider that anyone with student loans prior to 2009 got a variable rate, which in current terms is around 2%. When I got to school they just changed the rules to lock in at a fixed rate of 6.8% and 7.8%. And it took until 2012 for the President to realize that was insane and impossible to pay back and change the rules, but only for people who got loans in 2012 and later. So essentially, by being a student between that 2009 and 2011 period, I got significantly screwed (by not qualifying for the low variable rates of 2008 and earlier, and not qualifying for the more leniant IBR rates of 2012 and later). The only fix is to go back to school somehow, hopefully part-time and online, just anyway to qualify for at least $1 of a new federal student loan.
Personal Finance Deals
B1G1 coupon Nutrena SafeChoice Senior Horse Feed 50 lb. bag
Added on : Monday August 26th 2013 06:00:06 AM
g: 0 Posted By: briarycliffs
Views: 166 Replies: 0 Nutrena B1G1

I filled out the form with 2 senior horses and feed Triple Crown senior and got 3 coupons for b1g1. Don't know if it makes a difference in how many coupons you get. It also sates manufacturer's coupon valid at any participating Nutrena retailer. At my tractor supply it's $19.99. My coupons expire 9/30/13 that I printed today.

From their website:

A high-fat, controlled starch, complete feed to meet the unique needs of senior horses. Your horse has always given you its best. And with SafeChoice Senior, you can do the same in return. This proprietary formula is enriched with added amino acids for muscle maintenance, highly digestible fiber and organic trace mineral complexes that help improve and maintain body condition. It meets all the unique nutritional requirements of your older horse. And SafeChoice Senior is a multiform horse feed specially designed to be highly digestible and highly palatable. Just what your old friend needs.

Exclusive Nutri-Bloom Advantage increases fiber digestion up to 15% for better health and bloom
Balanced Omega 3 and 6 fatty acid levels from select vegetable sources to help reduce the effects of inflammation
Highly digestible fiber sources for feeding as a sole ration without hay or pasture
Increased fat level for the extra energy older horses need
Ideal for rehabilitating neglected or malnourished horses
Controlled starch design helps reduce the risk of metabolic disorders
Highly palatable formula in pellet form for optimal feed consumption
Enhanced with antioxidants, including selenium, vitamin C and vitamin E, to support the immune system and helps minimize the effects of stress
Guaranteed levels of biotin to support hair coat and hoof development
May be soaked with warm water to form QuickMash in just 3 minutes

Daily Feeding Table (When Fed With Hay or Pasture):
800 lb.: 4 lb. to 6 lb. per day (Light Work: 6 lb. to 8 lb.)
1,000 lb.: 5 lb. to 7 lb. (Light Work: 7 lb. to 10 lb.)
1,200 lb.: 6 lb. to 8 lb. (Light Work: 8 lb. to 12 lb.)Daily Feeding Table (When Fed Without Hay or Pasture):
800 lb.: 10 lb. to 12 lb. per day (Light Work: 12 lb. to 14 lb.)
1,000 lb.: 12 lb. to 14 lb. (Light Work: 14 lb. to 16 lb.)
1,200 lb.: 14 lb. to 16 lb. (Light Work: 16 lb. to 18 lb.)Sole ration feed at 1.25% to 1.5% BW.
With free choice hay or pasture, feed at 0.5% to 0.75% BW.
Sole ration feed at 1.5% to 1.75% BW.
With free choice hay or pasture, feed at 0.75% to 1.00% BW.
Home & Garden Deals

Tractor Supply Company Coupons
g: 0 Posted By: View
Views: 7 Replies: 0 BBVA Compass is offering another free tablet. IMO it is a slight downgrade from Kindle Fire HD 7 last year. (~200 value to ~169)
But another free(before taxes) tablet shouldn't hurt......
This time the requirements are also higher because 10 visa card transactions with $25 or higher are required...(could be a deal breaker to some.)
http://www.bbvacompass.com/special/201306/samsung/
T&C:SAMSUNG GALAXY TAB 3 Account Opening BonusConsumer checking accounts opened from July 15, 2013 to September 30, 2013, may be eligible for a Samsung Galaxy Tab 3 7-inch (Wi-Fi). Checking accounts are subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. Please review the following information to understand how to qualify for the bonus.Within sixty (60) days of account opening, the accountholder must meet all of the following requirements: (A) at least one qualifying direct deposit of at least $500 from an unrelated third party must post to the account; (B) ten (10) BBVA Compass Visa Check Card transactions of at least $25 each (excluding ATM transactions) must post to your account AND (C) three (3) bill payments of at least $50 each to 3 unique, unrelated third parties through the bill pay service in BBVA Compass Online or Mobile Banking must post to the account . Transfers made from PayPal, ING Direct, or from accounts owned by the accountholder (or related parties) at other financial institutions do not qualify. Bill payments must be completed by the deadline. Payments made by check or person-to-person (P2P) payments do not qualify. Payments made by a third party debiting your account do not qualify.The Samsung Galaxy Tab 3 7-inch (Wi-Fi) will be shipped via UPS or FedEx to the statement address associated with the checking account. Signature will be required at time of delivery. Bonus will be mailed within 90 days of meeting the eligibility requirements. Image shown in advertisement is for illustration only; color may vary according to availability. Account must be open and in good standing at the time bonus is mailed.Offer valid only for new consumer checking accountholders who have not had an existing BBVA Compass consumer checking account within the last 90 days. NBA Checking Accounts are not eligible. BBVA Compass employees and household members are not eligible. Maximum of one (1) bonus per household. Offer not valid with any other offer and subject to change without notice. BBVA Compass may report the value of the bonus to the IRS as required by law. Galaxy Tablet is a trademark of Samsung. Galaxy Tablets are given away on behalf of BBVA Compass. Samsung is not a sponsor of nor affiliated with this promotion. Other limitations may apply.


Deposits Deals
Need free credit report that shows the credit inquiries
Added on : Monday August 19th 2013 10:00:06 PM
g: 0 Posted By: Silverthunder
Views: 81 Replies: 1 I am trying to look at my credit reports to see what credit inquiries are showing. I saw that people on this and other forums hyped Credit Karma. However, when I pulled my report through them, it didn't give the detail as to the list of credit inquiries. It only gave a total number (I am assuming that's from the last 2 years).

What is a good service for me to use given that I am looking for the full detail? Maybe credit sesame?

I have already used my "1 free per year" from annual credit report dot com
Question Deals
g: 0 Posted By: lars23
Views: 121 Replies: 1 Background
-I received a red-light camera ticket performing a rolling right-turn in city of San Francisco.
-The car was registered under my fiance's name, so a ticket was issued in her name and mailed to her (was a real ticket, not snitch-ticket)
-Offending photo shows male driver (me), clearly not female (fiance)
-Read the entire process of fighting ticket fromhttp://www.highwayrobbery.net/redlightcamsticket.htm#NotMe
-My fiance was the one who actually did the research and wanted to fight the ticket.

Process
-Fiance went to get an arraignment date / try to get ticket dropped, and they attempted to get her to reveal driver's name. Didn't budge. So they set an arraignment date
-Fiancewent to arraignment and declared not guilty as she was not the driver, trying to get ticket dropped. They attempted to get her to reveal identity, but she didn't budge. So they set a trial date.
-Fiancegoes to trial. Judge goes through a lot of people, declaring a lot of people guilty. When fiancegoes up for trial, judge looks at photo and says that she is guilty as photo identifies her beyond a reasonable doubt. Absoutely did not expect this given gender difference between traffic ticket photo (male) and my fiance (female). Photo definitely does not identify her as the driver beyond a reasonable doubt.

Now preparing for an appeal. The link above recommended to request that trial be recorded, but didn't do that as we had expected to win (lesson learned)
-Any advice on how best to appeal?


-Yes, I will more vigilant in obeying traffic laws (this is first ticket ever).
-No pics, as her images show up on google search and don't want her identified, sorry.







Personal Finance Deals
g: 1 Posted By: MISTERCHEAP
Views: 56 Replies: 0 http://www.clorox.com/assets/Uploads/products/clorox2-money-back-guarantee.pdf
Grocery Deals
g: 3 Posted By: Yuyak
Views: 1216 Replies: 8 List of participating stores: Linksmall print:
*Valid 8/18/13 thru 8/24/13. Offer valid only in participating stores. Call ahead to your selected store location or see store associate for details. Discount applies to regular-, sale-, promotional- and/or clearance-priced items before taxes. Limit 1 per customer. Discount does not apply to purchases of HP ink and toner, U.S. postage stamps, TVs, printers, computers, monitors, the new Google Nexus 7 2nd Gen (item # 24127222), Epson projectors and screens, Epson scanners, shredders, typewriters, cash registers, hard drives, video games, file cabinets, ready-to-assemble furniture, chairs, furniture accessories, gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, MaxAssurance Service and Protection plans, furniture assembly, OfficeMax Essentials kits and FedEx shipping services. Discount includes the following select OfficeMax ImPress Print Center services: shredding, printing, copying, oversized printing, binding, laminating and finishing. Discount applies to in-stock items only. Special orders are not eligible for the discount. Coupon is limited to one-time use only and must be surrendered at the time of purchase. Void if copied, sold, purchased, transferred, taxed or where prohibited. Not valid with any other coupon offer, associate discount, OfficeMax Customer Perks and/or Retail Connect pricing. No price adjustments from prior purchases will be made. Not valid for credit card payments. No rain checks will be given for the 20% discount unless required by law. No cash or credit back. Cash value .001.
Electronics Deals

OfficeMax Coupons
OfficeMax 20% off everything* you can fit in a bag sale (8/18-8/24)
Added on : Sunday August 18th 2013 07:00:04 AM
g: 0 Posted By: Yuyak
Views: 271 Replies: 0 List of participating stores: Linksmall print:
*Valid 8/18/13 thru 8/24/13. Offer valid only in participating stores. Call ahead to your selected store location or see store associate for details. Discount applies to regular-, sale-, promotional- and/or clearance-priced items before taxes. Limit 1 per customer. Discount does not apply to purchases of HP ink and toner, U.S. postage stamps, TVs, printers, computers, monitors, the new Google Nexus 7 2nd Gen (item # 24127222), Epson projectors and screens, Epson scanners, shredders, typewriters, cash registers, hard drives, video games, file cabinets, ready-to-assemble furniture, chairs, furniture accessories, gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, MaxAssurance Service and Protection plans, furniture assembly, OfficeMax Essentials kits and FedEx shipping services. Discount includes the following select OfficeMax ImPress Print Center services: shredding, printing, copying, oversized printing, binding, laminating and finishing. Discount applies to in-stock items only. Special orders are not eligible for the discount. Coupon is limited to one-time use only and must be surrendered at the time of purchase. Void if copied, sold, purchased, transferred, taxed or where prohibited. Not valid with any other coupon offer, associate discount, OfficeMax Customer Perks and/or Retail Connect pricing. No price adjustments from prior purchases will be made. Not valid for credit card payments. No rain checks will be given for the 20% discount unless required by law. No cash or credit back. Cash value .001.
Electronics Deals

OfficeMax Coupons
Nikon D3100DX SLR Kit $238 YMMV Staples
Added on : Saturday August 17th 2013 03:00:05 PM
g: 3 Posted By: fortune2000
Views: 837 Replies: 5 Nikon D3100 SLR Camera (sku 903612)on Clearance at Staples for $299.00. Shelf tags still priced at $399 clearance. Asked for a discount and was given 5% off. Used 5 off $50 and 20% off code (22915). I purchased the warranty for an additional $40.00 bringing my total to $278.00. Warranty is optional, so $238.66 out the door price.
SLR & dSLR Deals

Staples Coupons
Nikon D3100DX SLR $238 YMMV Staples
Added on : Saturday August 17th 2013 01:00:03 PM
g: 1 Posted By: fortune2000
Views: 253 Replies: 0 Nikon D3100 SLR Camera (sku 903612)on Clearance at Staples for $299.00. Shelf tags still priced at $399 clearance. Asked for a discount and was given 5% off. Used 5 off $50 and 20% off code (22915). I purchased the warranty for an additional $40.00 bringing my total to $278.00. Warranty is optional, so $238.66 out the door price.
SLR & dSLR Deals

Staples Coupons
Any tips for negotiating a raise tied to a promotion?
Added on : Saturday August 17th 2013 10:00:07 AM
g: 0 Posted By: fatwallet102
Views: 121 Replies: 4 Heres a timeline:
Feb 12- hired on at $37,500
Sep 12- Raise to $38,500, $1000 bonus (at annual review)
Dec 12- $1000 holiday bonus (goes to everyone)
Mar 13- $1000 bonus
May 13- Given written training outline for a promotion (continuing education courses, books, etc)
July 13- Started working on the more advanced stuff (on a limited basis)
My company has annual reviews coming up. I am hoping to get into the 50's as it will likely be several years before another promotion would be realistic. Any tips for doing this? At my last review they didn't even negotiate, my manager had a letter already typed up indicating the raise I was gonna get. Which was fine considering I was only with the company for 6 or 7 months at the time and it wasn't tied to a promotion. Any thoughts? Thanks
Personal Finance Deals
Where to deploy
Added on : Saturday August 17th 2013 07:00:06 AM
g: 0 Posted By: VAIndigo
Views: 0 Replies: 0 - Shares have raised to a concerning level but market can be irrational for long time .. that is the scary part
- Bonds bath going on
- Precious metals .. i was expecting a severe rate adjustment but they jumped up again -- beats me
- Commodities ??
I have 100 grand sitting in checking account for past one year hoping to buy a house but irrational market in DC area locked me out.
I still prefer to have the flexibility have the money to buy a house at right opportunity as the rates would jump (Well but again what will real estate market do when the rates jump is a question ..) but at the same time i feel dumb and stupid considering how that 100 grand could have grown in one year even if i put that in large cap fund.Given my situation what would you do now... how can i get the best out of my idle capital. I do have good stream of income coming in every passing day so it is not that without this capital i can't do anything-- short term bonds? hmmm
-- REIT?
-- Munis? hmm
-- short the market ..
-- Gold -- which direction is it going to be considering coming rate hikes
-- Bond funds?Looking for something that returns me around 5% for next 6 months.
g: 0 Posted By: johnqsmith
Views: 33 Replies: 0 I'm a first time home buyer. Comparing FHA and conventional.I hate the idea of pissing away the PMI. However, I am a business owner and could use the capital saved from not putting 20% down. I'm actually trying to take out a line of credit currently as I could use all the capital I can get.
For a 250,000 house (for example) I have calculated the following is my cost of doing FHA instead of conventional. I am not sure of the *exact* interest rate numbers because we haven't actually done the pre-approval process, but was given rough numbers.FHA - ~4.950% , 3.5% down, pay PMI
Conventional - 5.150%, 20% down, no PMIThe difference in cash outlay is 16.5% of 250k, or $41,250.The difference in "wasted money" PMI + interest rate (saving a little interest but paying PMI) is $230 (PMI) + savings of $30 slightly lower interest rate. OR $200 more per month in "wasted" funds if I go with an FHA loan.
In other words, by taking an FHA loan over conventional, I'd essentially be taking out a loan of $41,250 at 5.85% annual interest.Given that I'm trying to keep / add as much cash as possible in my business, I would happily take a loan or line of credit from a bank for my business for 5.85%Is this a no-brainer?Am I missing anything with regards to FHA vs conventional costs?
New User Question Deals
g: 8 Posted By: archena
Views: 4330 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.THE MIRACULOUS RESULTS OF EXTREMELY HIGH DOSES OF THE SUNSHINE HORMONE VITAMIN D3 MY EXPERIMENT WITH HUGE DOSES OF D3 FROM 25,000 to 50,000 to 100,000 IU A Day OVER A 1 YEAR PERIOD [Kindle Edition] - $3.99Jeff T Bowles (Author) http://www.amazon.com/dp/B005FCKN2SPublication Date: July 22, 2013196 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Physician & Patient > Healing#4 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic THIS IS THE LAST TIME THIS BOOK WILL EVER BE GIVEN AWAY FREE!PLEASE TELL ALL YOUR FRIENDS AND EMAIL CONTACTEES TO NOT MISS THIS OPPORTUNITY-THEY WILL THANK YOU FOR IT.Book description:
144+ Pages of Fact-Packed Science Based Information-But FUN to read-
Upon realizing that taking 4,000 IU of Vitamin D3 a day was not enough for me, I decided to embark on a "dangerous" experiment that directly contradicted everything MD's had told me for years: DON'T TAKE TOO MUCH VITAMIN D IT IS DANGEROUS!I started taking 20,000 IU a day-50X times the recommended dose of 400 IU a day.
After about 4 months upped the dose to 50,000 IU a day or 150X the old recommended safe dose I then boosted it to 100,000 IU a day or 300 x TIMES the old maximum safe dose!What happened over these last 10 months? Did I die? get sick? No! Just the opposite!!High dose Vitamin D3 therapy over the last year-CURED ALL MY CHRONIC CONDITIONS-SOME THAT I'D HAD FOR 20+ YEARS!1. A painful snapping hip syndrome which I had been suffering from for 23 years and no Dr could help me-It is now 100% gone. No pain and NO SNAPPING!!
2. Yellow fungus infected toenails (under the nail)- I tried everything over 20 years and nothing worked-10 months of high dose Vitamin D3 and they are clear as a bell! 100% cured.
3. A knobby bone spur on my elbow that made me look like Popeye the sailor man-It has now 100% dissolved and my elbow is back to the way it used to be 20 years ago.
4. Painful , clicking, popping, stiff Arthritic shoulders that prevented me from even throwing a ball from home plate past the infield. A condition Ive had for 15 years. Gone. No more popping snapping or clicking and I can throw the ball twice as far .
5. A ganglion cyst that persisted on my wrist for over 5 years has shrunk from the size of half a golf ball to the size of a pea and now it is rock hard ,painless, and shrinking.
6. A small subcutaneous cyst on my face that had not gone away for 20 years now gone!
7. AND-Without even trying my weight has dropped by 25 pounds from 204 to 179.
This book tells you detailed results of my experiment, dangers to avoid, and also discusses a simple and elegant new theory that suggests how High Dose Vitamin D3 therapy Should help PREVENT OR CURE all the epidemics of disease and health issues that have been plaguing us since the 1980s when Doctors started warning us to stay out of the sun and always use sunscreen. This has created the huge epidemics we see today of Obesity, Autism, Asthma, and many others!The theory is simple-Vitamin D3 is a hormone that your skin makes when you sit in the sun, it is not a vitamin it was just mislabeled when it was discovered. When your Vitamin D3 levels are low, your body gets you to prepare for winter by overeating, slowing you down to conserve energy, and even making you depressed to keep you housebound. Interestingly it is this same drop in Vitamin D3 levels that signals a bear to start hibernating!If your body expects famine-like conditions caused by winter to be likely- it will conserve your critical resources for the future. This leads to what I call the Incomplete Repair Syndrome which in turn causes most of the diseases humans face other than spontaneous gene mutations that cause syndromes and diseases caused exclusively by aging. High D3 can be used to prevent or treat a huge number of diseases MS, asthma, 17 kinds of cancer, lupus, arthritis, heart disease, obesity, depression, Parkinsons+many more...This IS the better mousetrap! Most MD's get just a basic 4 years in Med School, then work to earn not learn. I've researched diseases and aging for 20+ years, with a 10 year stint where I spent 12 hrs/day everyday in the Northwestern Med School's library just reviewing clinical and scientific studies! .I've had 3 major papers published; the publishing journal has 5 Nobel Prizes between the editors. And described my papers as extremely exciting and of major importance
Totally Free Deals
Leaving Employer & 401k Loan Penalty Questions
Added on : Tuesday August 13th 2013 09:00:12 AM
g: 0 Posted By: Winded
Views: 239 Replies: 10 This is my first question in the finance forum but being I am definitely not educated in this area and know there are some great finance guru's here I figured i'd ask this here. Long story short, I have been with the same employer for 7 years and (for many reasons) have decided to leave this employer. I landed a job with a new employer where I will start in two weeks. The new employer offers a 403B option with matching (immediate) while my current employer has offered a 401k plan w/ matching since I've been with them and which I've been a part of. Last year I purchased a house but didn't have enough down payment saved so I had no other option but to tap into my 401k plan where I withdrew 9k. I've been paying this money back with each paycheck and paid down roughly 2k over the last year. I still owe about 7k. As mentioned, i'm leaving my current employer and the HR director stated there are 3 options.1) To pay back the loan in full with my own money (which I don't have) within 90 days.
2) To fill out a 1099 at the end of the year and have this remaining loan amount of ~7k taxed as income
3) To have John Hancock deduct the 7k from my 401k balanceOption 1 isn't an option as I don't have the money. Option 2 would be a possibility and option 3 (if i'm understanding correctly) would seem to be completely idiotic. I understand it was a loan I took but it was a loan from money I had already earned in my 401k. Money is extremely tight right now so of the 3 options I was given option 2 is the only one that would work for me. I guess my question is whether i'd have ANY other options that weren't mentioned to me which would be more beneficial for me? Thanks in advance for any suggestions/advice/help. Thank you.
Personal Finance Deals
g: 0 Posted By: archena
Views: 461 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Mercury and Social Anxiety, Why Limiting Exposure to an Industrial Pollutant Can Ease Shyness, Anxiety and Depression [Kindle Edition] was $7.99Mary Hammond (Author)http://www.amazon.com/dp/B00CKEUE0APublication Date: April 28, 2013Publisher: Freedom Fast Lane LLC1 Review - ★★★★★#1 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Emotions & Feelings100 years ago, when Josephine Bates of the National Civic Federation read her report on chronic mercury exposure in industry at the Second National Conference on Industrial Diseases, she was the first American to memorialize the subjective emotional complaints of workers affected by mercury poisoning. The workers suffered emotional disturbances including depression, crippling anxiety in the presence of strangers, and outbursts of anger. The only change made as a result of Mrs. Bates work was to enact regulations designed to protect the factory managers against unwanted acts of future investigation.Soon afterwards reports began to appear of acrodynia, a terrible disease which affected young children all over the world for at least 50 years. The first sign of the disease was a deep emotional disturbance, said to be akin to a suicidal melancholy in an adult. Early on, some researchers suggested that mercury in teething and soothing powders was the causative agent, but most doctors disagreed. It was not until 10 years after the industry removed mercury from child care products, and acrodynia virtually disappeared from the world, that the assertion that mercury was the causative agent became undeniable in retrospect. But it was a very quiet acknowledgement. If you ask an older person about mercury in teething powder, it is unlikely that they will recall anything about it at all.Much more attention was given to the mass food chain poisonings in Minamata and Niigata, Japan, Grassy Narrows, Canada, and rural Iraq, a series of tragedies which has led to 40 years of furious debate over the lowest amount of mercury which can be ingested before it will cause an observable adverse physical effect. But what of the proven unobservable emotional effects? The book Mercury and Social Anxiety makes the shocking point that your shyness, anxiety and depression may be due to chronic exposure to the ever increasing industrial pollutant mercury.
Books & Magazines Deals
FREE Kindle Book - Mercury and Social Anxiety (Parenting) was $7.99
Added on : Sunday August 11th 2013 07:00:11 PM
g: 0 Posted By: archena
Views: 78 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Mercury and Social Anxiety, Why Limiting Exposure to an Industrial Pollutant Can Ease Shyness, Anxiety and Depression [Kindle Edition] was $7.99Mary Hammond (Author)http://www.amazon.com/dp/B00CKEUE0APublication Date: April 28, 2013Publisher: Freedom Fast Lane LLC1 Review - ★★★★★#1 in Kindle Store > Kindle eBooks > Nonfiction > Parenting & Relationships > Parenting > Emotions & Feelings100 years ago, when Josephine Bates of the National Civic Federation read her report on chronic mercury exposure in industry at the Second National Conference on Industrial Diseases, she was the first American to memorialize the subjective emotional complaints of workers affected by mercury poisoning. The workers suffered emotional disturbances including depression, crippling anxiety in the presence of strangers, and outbursts of anger. The only change made as a result of Mrs. Bates work was to enact regulations designed to protect the factory managers against unwanted acts of future investigation.Soon afterwards reports began to appear of acrodynia, a terrible disease which affected young children all over the world for at least 50 years. The first sign of the disease was a deep emotional disturbance, said to be akin to a suicidal melancholy in an adult. Early on, some researchers suggested that mercury in teething and soothing powders was the causative agent, but most doctors disagreed. It was not until 10 years after the industry removed mercury from child care products, and acrodynia virtually disappeared from the world, that the assertion that mercury was the causative agent became undeniable in retrospect. But it was a very quiet acknowledgement. If you ask an older person about mercury in teething powder, it is unlikely that they will recall anything about it at all.Much more attention was given to the mass food chain poisonings in Minamata and Niigata, Japan, Grassy Narrows, Canada, and rural Iraq, a series of tragedies which has led to 40 years of furious debate over the lowest amount of mercury which can be ingested before it will cause an observable adverse physical effect. But what of the proven unobservable emotional effects? The book Mercury and Social Anxiety makes the shocking point that your shyness, anxiety and depression may be due to chronic exposure to the ever increasing industrial pollutant mercury.
Books & Magazines Deals
Office Max 20% off, valid through August 17th (exclusions apply)
Added on : Sunday August 11th 2013 05:00:03 PM
g: 0 Posted By: B29205
Views: 42 Replies: 0 Apologies if this is a repost. I searched around, but did not see one.This is the same coupon as the one that expired on August 10th, with one huge exception: Google Nexus 2nd Gen tablet is now excluded. I'm sure we can still find a good use for it.http://view.ed4.net/v/LJMCIX/FMW9C/BIGI6ZQ/1E8WAC/ (hope the link works)
*Valid 8/11/13 thru 8/17/13. Offer valid only in participating stores. Call ahead to your selected store location or see store associate for details. Discount applies to regular-, sale-, promotional- and/or clearance-priced items before taxes. Limit 1 per customer. Discount does not apply to purchases of HP ink and toner, U.S. postage stamps, TVs, printers, computers, monitors, the new Google Nexus 7 2nd Gen (item # 24127222), Epson projectors and screens, Epson scanners, shredders, typewriters, cash registers, hard drives, video games, file cabinets, ready-to-assemble furniture, chairs, furniture accessories, gift cards, general-use prepaid cards, phone cards, no-contract phones, mobile devices and service plans, Design Center Kiosk items, desktop publishing services, custom stamps, awards and plaques, MaxAssurance Service and Protection plans, furniture assembly, OfficeMax Essentials kits and FedEx shipping services. Discount includes the following select OfficeMax ImPress Print Center services: shredding, printing, copying, oversized printing, binding, laminating and finishing. Discount applies to in-stock items only. Special orders are not eligible for the discount. Coupon is limited to one-time use only and must be surrendered at the time of purchase. Void if copied, sold, purchased, transferred, taxed or where prohibited. Not valid with any other coupon offer, associate discount, OfficeMax Customer Perks and/or Retail Connect(SM) pricing. No price adjustments from prior purchases will be made. Not valid for credit card payments. No rain checks will be given for the 20% discount unless required by law. No cash or credit back. Cash value .001. 2013 OMX, Inc.
Office & School Supplies Deals

OfficeMax Coupons
g: 1 Posted By: hocuspocusblade
Views: 151 Replies: 0 My local WalMart has an ad that goes live 8/11 for a Toshiba Satellite C series laptop for $248.
Limited information is available at the time of posting, but I am aware it has a Celeron processor, 4GB Ram, 500GB H/D, a 15.6" screen and is running Windows 8. Just 3 are available at my store.
I called for the model# and was given the following information (which doesn't compute, pardon the pun) as C558-5220 as there is no listing on the Toshiba website, but more than likely made specifically for WalMart.
It seems a good deal to me for those in the market for a budget machine and who isn't, lol!
Linky
Laptops Deals

Walmart Coupons
ON SALE: Jil Sander - Two Tone Leather Loafer
Added on : Saturday August 10th 2013 09:00:13 AM
Classic slip-on smooth leather loafers are given a stylish twist by the use of a two-tone leather burgundy palette. Leather sole. Signature dust bag and box included. Made in Italy.
ON SALE: Antik Batik - Austeen Leather Clutch Handbag
Added on : Saturday August 10th 2013 09:00:12 AM
Multi-coloured leather envelope design clutch handbag. Features all over embroidered pattern and fringe trim detailing. Interior is lined in tonal lining and has a zipped pocket. Slight pattern and color variations from handbag to handbag given hand-detailing make each piece unique.
g: 1 Posted By: Butcherboy
Views: 185 Replies: 1 http://www.amazon.com/gp/goldboxSpecial Features
Knight Rider 2000
Episode commentary with David Hasselhoff and Writer/Creator Glen Larson
Knight Rider: Under the Hood
Knight Moves Featurette on the incredible car stunts of Knight Rider
Knight Sounds The story behind the iconic theme music
Photo Gallery
Blueprints Gallery
K.I.T.T. Owner's Manual
K.I.T.T. Blueprints
The Great '80s TV Flashback
And More!Editorial Reviews
Gear up for action with superstar David Hasselhoff and his supercar K.I.T.T. as they throttle crime in all 4 seasons of Knight Rider. This Amazon-exclusive bundle includes all 90 high-octane episodes on 24 discs tricked out with an impressive array of bonus features including the movie sequel Knight Rider 2000, making this complete DVD collection one you cant afford to miss! David Hasselhoff is the charismatic Michael Knight, a detective thought to be dead, who's been given a new face and identity. His assignment: to fight crime with the help of an artificially intelligent talking car named K.I.T.T., a high-speed, futuristic weapon outfitted with high-tech gadgets and a personality of its own. Driven by justice, they set out to take down criminals who operate above the law. As this brave duo take on criminals, crooks, and those eager to exploit K.I.T.T.s impressive technology for their own nefarious purposes, youll be blown away by the explosive adventures that set the standard for all TV action series to come.
DVD Deals

Amazon Coupons
Save 56% on "Knight Rider: The Complete Series" @ Amazon Gold Box
Added on : Thursday August 08th 2013 09:00:08 PM
g: 0 Posted By: Butcherboy
Views: 40 Replies: 0 http://www.amazon.com/gp/goldboxSpecial Features
Knight Rider 2000
Episode commentary with David Hasselhoff and Writer/Creator Glen Larson
Knight Rider: Under the Hood
Knight Moves Featurette on the incredible car stunts of Knight Rider
Knight Sounds The story behind the iconic theme music
Photo Gallery
Blueprints Gallery
K.I.T.T. Owner's Manual
K.I.T.T. Blueprints
The Great '80s TV Flashback
And More!Editorial Reviews
Gear up for action with superstar David Hasselhoff and his supercar K.I.T.T. as they throttle crime in all 4 seasons of Knight Rider. This Amazon-exclusive bundle includes all 90 high-octane episodes on 24 discs tricked out with an impressive array of bonus features including the movie sequel Knight Rider 2000, making this complete DVD collection one you cant afford to miss! David Hasselhoff is the charismatic Michael Knight, a detective thought to be dead, who's been given a new face and identity. His assignment: to fight crime with the help of an artificially intelligent talking car named K.I.T.T., a high-speed, futuristic weapon outfitted with high-tech gadgets and a personality of its own. Driven by justice, they set out to take down criminals who operate above the law. As this brave duo take on criminals, crooks, and those eager to exploit K.I.T.T.s impressive technology for their own nefarious purposes, youll be blown away by the explosive adventures that set the standard for all TV action series to come.
g: -4 Posted By: jackbondlove
Views: 401 Replies: 9 Here's my situation. I am considering purchasing a round trip airline ticket with Delta Airlines, with the outbound from Russia. Online, this price is given in EUR. All the lower level "customer care" staff tell me that my credit card will be charged in EUR. I then ask what is the country of record for the purchase, to which I'm given the response the USA. I then ask how it is possible to have a contract (which is what the credit card purchase technically is) to be done between a USA vendor & purchaser (i.e., my credit card is registered in the USA as well) to which I'm not given the proper answer. I am trying to call someone at corporate to get this answer.The reason this is important is because I will get hit with a 3% fee if the transaction is considered as foreign - and as well, if the official country of record of the vendor is not the USA, I could have a problem with that country not being registered as a country to do a purchase with.
Credit Deals
Can a USA registered vendor a credit card in foreign currency?
Added on : Thursday August 08th 2013 04:00:10 AM
g: -1 Posted By: jackbondlove
Views: 110 Replies: 2 Here's my situation. I am considering purchasing a round trip airline ticket with Delta Airlines, with the outbound from Russia. Online, this price is given in EUR. All the lower level "customer care" staff tell me that my credit card will be charged in EUR. I then ask what is the country of record for the purchase, to which I'm given the response the USA. I then ask how it is possible to have a contract (which is what the credit card purchase technically is) to be done between a USA vendor & purchaser (i.e., my credit card is registered in the USA as well) to which I'm not given the proper answer. I am trying to call someone at corporate to get this answer.The reason this is important is because I will get hit with a 3% fee if the transaction is considered as foreign - and as well, if the official country of record of the vendor is not the USA, I could have a problem with that country not being registered as a country to do a purchase with.
Credit Deals
g: 0 Posted By: teddibear703
Views: 210 Replies: 0 Hi Guys, i posted this up in another deals forum but forgot to put it up here:My directv subscription came up a few months ago. I called in and was given an offer which i thought was ok, but not great. So i waited and called back every 2 weeks. Every 2 weeks, the offers that I got became worse and worse, so i finally decided to switch to Dish.I didn't see any good deals for dish other than what was listed however here are the best deals that I found. I went with the $200 rebate back
Option #1
GWdish.com will rebate you $200 back with the AT200 package and up, or $150 for the AT120 package.I got the Hopper and comes with the free Sling adapter!!!!NOTE: Website is nothing fancy, this is a small company, but I did get the rebate check as promised right away. It looks like they are compensating the difference so i'm ok with helping out the small guy.
Option #2
If you prefer to go with a bigger company, this link will get you $100 credit with Amazon.http://www.dish.com/redirects/partners/amazon/
I went with option 1 since i got $200. I received it after 1 week of ordering the service. Both options should be free activation and no installation fee.I really dont like directv since they kept raising their rates every time i called. Normally i can negotiate better and better, but this just got worse and worse!
Update: I really love Dish over directv. The hopper is really awesome. It records all my primetime shows and then it can auto skip all the commericals for the recorded primetime shows. Even better is that i can watch dish network on my iphone or ipad anytime anywhere as long as i have a good connection!
Services Deals
g: 2 Posted By: archena
Views: 191 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.THE MIRACULOUS RESULTS OF EXTREMELY HIGH DOSES OF THE SUNSHINE HORMONE VITAMIN D3 MY EXPERIMENT WITH HUGE DOSES OF D3 FROM 25,000 to 50,000 to 100,000 IU A Day OVER A 1 YEAR PERIOD [Kindle Edition] - $3.99Jeff T Bowles (Author) http://www.amazon.com/dp/B005FCKN2SPublication Date: July 22, 2013196 Reviews - ★★★★.5#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Physician & Patient > Healing#4 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Medical eBooks > Alternative & Holistic THIS IS THE LAST TIME THIS BOOK WILL EVER BE GIVEN AWAY FREE!PLEASE TELL ALL YOUR FRIENDS AND EMAIL CONTACTEES TO NOT MISS THIS OPPORTUNITY-THEY WILL THANK YOU FOR IT.Book description:
144+ Pages of Fact-Packed Science Based Information-But FUN to read-
Upon realizing that taking 4,000 IU of Vitamin D3 a day was not enough for me, I decided to embark on a "dangerous" experiment that directly contradicted everything MD's had told me for years: DON'T TAKE TOO MUCH VITAMIN D IT IS DANGEROUS!I started taking 20,000 IU a day-50X times the recommended dose of 400 IU a day.
After about 4 months upped the dose to 50,000 IU a day or 150X the old recommended safe dose I then boosted it to 100,000 IU a day or 300 x TIMES the old maximum safe dose!What happened over these last 10 months? Did I die? get sick? No! Just the opposite!!High dose Vitamin D3 therapy over the last year-CURED ALL MY CHRONIC CONDITIONS-SOME THAT I'D HAD FOR 20+ YEARS!1. A painful snapping hip syndrome which I had been suffering from for 23 years and no Dr could help me-It is now 100% gone. No pain and NO SNAPPING!!
2. Yellow fungus infected toenails (under the nail)- I tried everything over 20 years and nothing worked-10 months of high dose Vitamin D3 and they are clear as a bell! 100% cured.
3. A knobby bone spur on my elbow that made me look like Popeye the sailor man-It has now 100% dissolved and my elbow is back to the way it used to be 20 years ago.
4. Painful , clicking, popping, stiff Arthritic shoulders that prevented me from even throwing a ball from home plate past the infield. A condition Ive had for 15 years. Gone. No more popping snapping or clicking and I can throw the ball twice as far .
5. A ganglion cyst that persisted on my wrist for over 5 years has shrunk from the size of half a golf ball to the size of a pea and now it is rock hard ,painless, and shrinking.
6. A small subcutaneous cyst on my face that had not gone away for 20 years now gone!
7. AND-Without even trying my weight has dropped by 25 pounds from 204 to 179.
This book tells you detailed results of my experiment, dangers to avoid, and also discusses a simple and elegant new theory that suggests how High Dose Vitamin D3 therapy Should help PREVENT OR CURE all the epidemics of disease and health issues that have been plaguing us since the 1980s when Doctors started warning us to stay out of the sun and always use sunscreen. This has created the huge epidemics we see today of Obesity, Autism, Asthma, and many others!The theory is simple-Vitamin D3 is a hormone that your skin makes when you sit in the sun, it is not a vitamin it was just mislabeled when it was discovered. When your Vitamin D3 levels are low, your body gets you to prepare for winter by overeating, slowing you down to conserve energy, and even making you depressed to keep you housebound. Interestingly it is this same drop in Vitamin D3 levels that signals a bear to start hibernating!If your body expects famine-like conditions caused by winter to be likely- it will conserve your critical resources for the future. This leads to what I call the Incomplete Repair Syndrome which in turn causes most of the diseases humans face other than spontaneous gene mutations that cause syndromes and diseases caused exclusively by aging. High D3 can be used to prevent or treat a huge number of diseases MS, asthma, 17 kinds of cancer, lupus, arthritis, heart disease, obesity, depression, Parkinsons+many more...This IS the better mousetrap! Most MD's get just a basic 4 years in Med School, then work to earn not learn. I've researched diseases and aging for 20+ years, with a 10 year stint where I spent 12 hrs/day everyday in the Northwestern Med School's library just reviewing clinical and scientific studies! .I've had 3 major papers published; the publishing journal has 5 Nobel Prizes between the editors. And described my papers as extremely exciting and of major importance
Totally Free Deals
Apple 16GB iPad with Retina display with $30 Target gift card
Added on : Tuesday August 06th 2013 07:00:07 AM
g: 0 Posted By: B29205
Views: 234 Replies: 2 $30 gift card with select iPad purchaseReceive a $30 gift card with purchase of a qualifying Apple iPad tablet. (iPad mini not included in offer) Quantities limited. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 8/10/2013 at 11:59pm ET.
iPads Deals
Apple iPad Mini 16 GB Wi-Fi with $25 Target gift card
Added on : Tuesday August 06th 2013 07:00:07 AM
g: 0 Posted By: B29205
Views: 235 Replies: 0 Expires 8/10/2013 http://www.target.com/p/apple-ipad-mini-16gb-wi-fi-white-md531ll... ($329.99 16 GB)$25 gift card with select iPad mini purchase
Receive a $25 gift card with purchase of a qualifying Apple iPad mini tablet. Quantities limited. Not valid on previous orders. On your order summary, the item subtotal will reflect the price of the qualifying item plus the amount of the free gift card, followed by a discount given for the amount of the free gift card. Your price on the order summary will be the price of the qualifying item (the total charges for the qualifying item and gift card). Your account will actually be charged the amount of the qualifying item reduced by the amount of the gift card, and a separate charge for the amount of the gift card. The gift card will be sent to the same address as your order and will ship separately. If you want to return the item you purchased to a Target Store, you may either keep the gift card and just return the qualifying item (you will be refunded the amount of the qualifying item reduced by the amount of the gift card), or you can return the qualifying item and the gift card for a full refund using the online receipt. If you return the item you purchased by mail, keep the gift card; you will be refunded the amount of the qualifying item reduced by the amount of the gift card. Offer expires 8/10/2013 at 11:59pm ET.
iPads Deals
Options with Pension
Added on : Tuesday August 06th 2013 06:00:07 AM
g: 0 Posted By: depalma13
Views: 58 Replies: 2 Our company is doing away with traditional pensions. Because of my age, I'm 42, I have been given the option of having an extra 3% added to my 401k or maintaining the current pension. The pension is not transferable to my wife if I die.Currently, I would receive a monthly check of around $400 at age 65. If I work until I'm 60, that monthly check would be nearly $3000 as the benefit increases rapidly in the years between 50 and 60.This is a private company.Any thoughts on taking the extra 3% vs continuing with the traditional pension?
Personal Finance Deals
g: 7 Posted By: archena
Views: 1222 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.From The Trash Man To The Cash Man [Kindle Edition] was $9.99Myron Golden (Author) http://www.amazon.com/dp/B00E5RWNXQPublication Date: July 25, 2013Publisher: Skillionaire Enterprises Inc. 11 Reviews - ★★★★★
#11 in Kindle Store > Kindle eBooks > Business & Investing
Myron Golden wrote From The Trash Man To The Cash Man as a means to help other people who wanted and book about wealth building made easy. The physical copy of the book has already sold over 139,000 copies world-wide. Myron Golden wanted to show others how to use the basic principles of personal finance to get rich or what ever level of wealth creation the reader desires. This is a practical book about personal finance. It is a simple guide to financial literacy. The subtitle of the book says it all. How anyone can get rich starting from anywhere. If you want to get out of debt, this book can help you. If you want to learn how to become a millionaire or how to become a multimillionaire, this book can help you. The financial principles are both powerful and simple. If you apply these wealth principles they will work for you. If you want some practical answers to the questions, how do I start and run a successful business or how to I teach my children about money, or what is the best way to plan for retirement? This book is for you.
Look at what others are saying about From The Trash Man To The Cash Man:
Allyson says:
This book was a real eye-opener, and it changed my financial condition for the better. Thanks, Myron!Gregg Scott says:
The Trash Man to the Cash Man is a great book. It outlines principles that my wife and I have been applying to our lives and getting results. It has inspired us to pursue the success we desire.
Gregg and Lenika ScottJames Davis Jr. says:
With all the gloom and doom talked about our economy, From The Trash Man To The Cash Man is the perfect book to help change your mind set about money. You will learn amazing principals that are not taught in school to give you the upper hand to empower and improve your family financial well-being.KimAlyse Popkave says:
From The Trash Man To The Cash Man is a phenomenal book. Whats so great about it is it just makes sense.
I teach these principles to my clients & my students, and I have given copies of this book as gifts.
KimAlyse PopkaveProsperity Professor says:
Myron, your book, The Trash Man to the Cash Mn, was the first book I read on self-improvment and professional development. I have read close to two-hundred more books since then on similar topics, and I firmly believe that you offer the best value for someone starting at ground zero. The Trash Man to the Cash Man is a must read.Marvin Nixon says:
Because of this book my wife and I have a new out look on our future. We have learned so many principles that has helped us. We believe so much in this book and have recommended many copies to friends and family.
Marvin and Syreeta NixonMyla Everett says:
When I attended Six Figure Business School I read your book. At that time I was not sure what led me to the program, but since then my life has changed tremendously. The class filled a need in my preparation for where I am today. The book made so much sense then, and now that I can live it, I fully understand the principles. I also brought the book home to my son who now has a good foundation for his financial success.
Myla EverettChiara says:
FANTASTIC book Myron! Thank you for sharing your amazing story, experinece & knowledge with the world. You make a difference!
Rich blessings,Maria Husbands says:
From The Trash Man To The Cash Man has encouraged me a great deal. I now have the drive to go ahead and take the steps I need toward a better life.Misty Ward says:
I actually read The Trash Man to the Cash Man in 1 day & I am not the type of person who enjoyed reading but this book was such an easy read & it had so many nuggets that I couldnt put it down! Myron doesnt hold anything back, he gives you all the information you need.If you are serious about learning to create wealth for yourself and your family, don't wait another minute! Get this book now and read it before you go to bed tonight. You will find that it is one of the best personal finance books you have ever read.
Totally Free Deals
FREE Kindle Book - From The Trash Man To The Cash Man was $9.99
Added on : Monday August 05th 2013 06:00:11 AM
g: 2 Posted By: archena
Views: 254 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.From The Trash Man To The Cash Man [Kindle Edition] was $9.99Myron Golden (Author) http://www.amazon.com/dp/B00E5RWNXQPublication Date: July 25, 2013Publisher: Skillionaire Enterprises Inc. 11 Reviews - ★★★★★Myron Golden wrote From The Trash Man To The Cash Man as a means to help other people who