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Need some employment counter offer advice
Added on : Friday October 24th 2014 09:00:12 AM
g: 0 Posted By: jaytrader
Views: 0 Replies: 0 Been at my current company for six years. Recently requested a 46% raise to bring me up to 'average' market rate. Coincidentally, I was contacted by a recruiter a day later, who came across my resume and offered me double what I make now before any sort of negotiation--they are in dire need of someone to fill the role. It's a two-year contract to hire with a major international corporation. Only caveat is that I have to move halfway across the country. I am married, no kids, don't own a home and have nothing other than family and friends tying me to my current location. Wife would quit her job and move with me. Ideal situation would be that my current company gives me the requested 46% raise and we stay here. My income+46% raise+wife's income is greater than the offer I received. Wife may have trouble finding a job at the new company location due to the industry she's in.

Hypothetical world: boss gives me a counter to what I requested, then I tell him I got an offer making double what I currently make. Then he gives me what I wanted originally (I'd be happy to take this, even though it's $30k less than the offered position so I don't have to move and uproot my wife's career). I've read all over that accepting a counter is bad. However, my situation is unique in that we've lost some key people in our department over the last year due to losing a huge bread and butter contract (no layoffs; people got scared and left). However, things aren't as grim as they were a year ago (when we lost the contract) and now our company is actually doing very well and has replaced the revenue lost from said contract. What do I do?

As mentioned, ideally I'll get what I requested and we remain on two incomes. Given I am the sole person responsible for four major systems and no one can replace me who currently works here, I think I am valuable to our company. If I left, they'd have to replace me with at least two people if they were lucky enough. The systems I manage are in no way similar and so finding a new candidate to take over all of those roles would be like winning the lotto.
Free Kindle Book- Travelers Rest by Ann Tatlock (was $14.99)
Added on : Friday October 24th 2014 05:00:06 AM
g: 0 Posted By: remick
Views: 190 Replies: 0 http://www.amazon.com/dp/B0073UPOII/

4.4 out of 5 stars (106 customer reviews)

New Contemporary Novel from an Award-Winning Author

A YOUNG WOMAN determined to honor her commitment...

AN INJURED SOLDIER convinced life is no longer worth living...

A RETIRED DOCTOR certain it's too late to be forgiven...

Jane Morrow has a dilemma, and love alone may not solve it. Her faith has never been strong, yet somehow she hopes God will answer her prayers and tell her what to do. The answer she finds may not be at all what she expected...

About the Author
Ann Tatlock is the author of the Christy-Award-winning novel All the Way Home. She has also won the Midwest Independent Publishers Association "Book of the Year" in fiction for both All the Way Home and I'll Watch the Moon. Ann lives with her husband, Bob, and their daughter, Laura Jane, in Asheville, North Carolina. Visit her website at www.anntatlock.com.




Books Deals

Amazon Coupons
Whole Foods Extra 2% from AmEx Blue Cash - Check Your Email YMMV
Added on : Thursday October 23rd 2014 02:00:04 PM
g: 0 Posted By: rlshoemake87
Views: 36 Replies: 0 Received an email regarding a limited time offer for anextra2% Cash Back when using my Blue Cash (old one) at Whole Foods. This makes it 7% (I have old 5% card) back on purchases. Here is the text of the message:

Now you can earn an extra 2% Cash Backwhen you use your Blue Cash Card at Whole Foods Market from10/15/20142/15/2015.*

*TERMS AND CONDITIONSWhole Foods - Blue Cash:To qualify for the extra 2% Cash Back, you must enroll your eligible Blue Cash, Blue Cash Everyday or Blue Cash Preferred Card from American Express atwww.wfm.com/amexand make eligible purchases with your enrolled Card at Whole Food Markets betweenOctober 15, 2014 and February 15, 2015. The extra 2% Cash Back will not be given on purchases made during the promotional period prior to the date the Card is enrolled. Only purchases made in store at the main check out aisles and online atwww.wfm.comare eligible for this offer. Purchases made using a mobile or wireless card reader, using a mobile or digital wallet or submitted through a merchant services aggregator or mobile payments company like Square, Inc. on the store premises are not eligible for the higher percentage reward, including this extra 2% Cash Back offer. The extra 2% Cash Back will be awarded in the form of Reward Dollars, which will be added to your Reward Dollar balance 68 weeks after the purchase. Reward Dollars can be redeemed in increments of 25 whenever your available Reward Dollar balance is 25 or more. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases do not include the purchase of travelers checks or the purchase ore reloading of prepaid cards or other cash equivalents. To receive the extra 2%Cash Back, your account must be active, in good standing, and not in default at the time the statement credit is posted to your account.
Free Kindle book: The Resume is Dead
Added on : Wednesday October 22nd 2014 05:00:09 PM
g: 0 Posted By: Y3ll0wSlack3r
Views: 139 Replies: 0 The Resume is DeadBook DescriptionPublication Date: January 9, 2012What Does Matt Epstein Know That We Dont?

One summer day, Matt Epstein applied to 20 different companies on LinkedIn to find work. He waited.

And waited.

He never heard back a single response. Fear began to creep in. He couldnt find a job because of one simple reason: He was blending in with the masses. Panic began to race through his mind. "Seriously, what the hell am I doing here?" He took a deep breath, stepped back and assessed the situation.

And then a stroke of genius hit him.

He was going to be bold. Inspiring. Outrageous. Awkward. Funny. Unbelievable.

It was in this moment Matt Epstein created the most viral and successful job campaign of our lives. By the time his campaign was finished, he had amassed these results:

Received 80 interview offers from companies like Google, Salesforce.com, Microsoft, Amazon, Etsy and SigFig (among many more)
Received over 400,000 unique visits and 720,000 page views for his site
Received over 450,000 YouTube views
Received 20,000 Facebook Likes, 4,800 Tweets and 4,100 Google +s
Received print, online and TV coverage across the world from TechCrunch, Gizmodo, to the Washington Post and wall street journal

How is it that Matt was able to get publicity from just about every big name media outlet, generate a massive fan base and garner 80 interview offers from top tier, innovative companies while so many of us have to beg for a single interview?

What does Matt Epstein know that we dont?

In fact, what do all these people know that we dont?

Hanna Phan sent the Tweet heard round the world to the CEO of one of the hottest technology start ups in the world and had 1,290 people share her story on Facebook, 1,854 retweets, 204 LinkedIn shares and multiple job offers from different companies.

Nagesh Palepu overcame being nearly deaf at a young age and went through an incredibly journey as his career started as a cashier at McDonalds and continues today as the CEO of a highly successful company today.

Sarah Rossdale started working in a tiny ice cream stand and fought her way to her dream job at Disney, all while competing against her own roommate.

Nelson Wang went from Labor Foreman to a Partner Manager managing a multi-million dollar territory of business and built a LinkedIn brand so powerful that he had recruiters from Google, Apple, Verizon, Paypal, and HP reaching out to him.

And finally, Jerry, at the tender age of 20, overcame a life and death experience to build an incredibly successful career. His comeback story reminds us of the importance of enjoying the moment and having balance in our lives.

So what do they know that we don't?

Its simple really. They all acknowledged one fundamental fact:

The resume is dead.

Your job opportunities, however, are alive and well. If you learn the secrets on how to be an artist and to create with emotion.

This book will teach you how.

This step by step guide also includes:

★ 500 of the top interview questions and answers created by Fortune 100 HR experts
★ How to create your own website and blog from scratch in under 10 minutes
★ The top 5 secrets on how to build a standout LinkedIn brand
★ Additional tips on how to leverage new media tools like YouTube, SlideRocket, Twitter, Prezi and Facebook
★ How to garner recommendations from CEOs, VPs, Managers and peers
★ How to impress a CEO in less than 30 seconds

You don't need another paper resume. You need the secrets to standing out.

That's exactly what "The Resume is Dead" delivers.

Author's Note: 10% of all proceeds will be given to Kiva for charity. Kiva is a charity organization that helps with microfinancing (financial services to low-income individuals or to those who do not have access to typical banking services) - Learn more at www.kiva.org
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 SuperDeal.com $1 Deals - Laser pointer $1, LCD Thermometer $1, USB 2.0 Extension Cable $1, Earphones $1 + Free shipping

https://www.superdeal.com/one-dollar-deals

You need to like their Facebook page to receive a coupon code

Terms & Conditions
1. Users must apply their unique coupon codes to enjoy this promotion
2. This offer may only be used once per household
3. Users pay $1 for the first item; original prices for each subsequent item
4. This offer cannot be used in conjunction with any other promotional offers
5. This promotion applies only to the specified products
6. This offer is valid until Nov 30, 2014
7. SuperDeal reserves the right to terminate this promotion at any given time without prior notice
8. In case of dispute, SuperDeal's decision is final.

Collection agency letter on a 4+ year old medical bill
Added on : Tuesday October 21st 2014 04:00:07 PM
g: 0 Posted By: peteron
Views: 29 Replies: 1 Hi FWers, I got this letter three weeks ago from Front Arnett debt collection agency on a medical bill that I was charged in 2009. I was in school at that time, and went to a clinic outside school for doctor visit. I was charged a few hundred bucks which I was obligated to pay within my deductible. I received the bill but didnot pay because it was a bit too much to afford at that time. I remember I got a call once from the clinic, but eventually I did not pay. Since then nothing has happened and I totally forgot about it. Now after nearly 5 years, the debt collection letter shows up in my door - which is shocking to me since I have moved numerous times in the past five years. How do they manage to find me?? Now they demand me to pay full amount, but do not say anything about the bill - I wonder if they will be able to validate it or not. I should have responded to the letter earlier, but I just saw the letter lying on my desk today. I am going to hit the 30-day window next week. I have excellet credit and donot want this to ruin it; on the other hand, it would be nice if I donot have to pay the hundreds bucks. Given that it is a really old bill, I want to consult people here, what is the strategy I should take?
g: 0 Posted By: Y3ll0wSlack3r
Views: 0 Replies: 0 Albert Einstein - Just the Facts! Biography for Kids Book DescriptionPublication Date: January 14, 2014 | Age Level: 9 - 14 | Grade Level: 3 - 8IP Factly presents "Albert Einstein Just the Facts!"
Amazing facts and photos telling the story of one of the most important men of all time

* Fascinating Facts
* Information in Bite-Sized Chunks
* Great Images
* Video Biographies

Albert Einstein biography for kids - a fun and fascinating way for young readers to discover more about one of the true geniuses of the last 100 years.

This Albert Einstein biography book mixes facts, photos and even includes a video clip section.
IP Factly books are designed to encourage and bolster independent reading.Accompanying webpage with video clips
This book provides fact after fact for information hungry children to tell family and friends, and even has an accompanying webpage with video clips.

The video links mean children come back again and again, naturally developing their reading and learning skills (early kindle models don't support video but the safe website link is given).Contents
Albert Einstein
Childhood
A Young Scientist
Separation from his Family
Love and Family
Early Career
Further Success
A Traveler
A Volatile World
World War II
American Citizenship
The Later Years
His Death
Einsteins Missing Brain
Einsteins Most Famous Theories
Famous Quotes
Einsteins Legacy
4 Free Kindle Books--Diet, Herbal Living, Lifestyle, etc.
Added on : Saturday October 18th 2014 07:00:10 PM
g: 0 Posted By: sarahturtle
Views: 195 Replies: 0 Here are some highly rated to fairly highly rated Kindle books.

Clean Food Diet: Avoid Processed Food and Eat Clean:

http://www.amazon.com/Clean-Food-Diet-Vegetarian-Collection-eboo...eating improves your health, it boosts your immune system, it helps you think better, it makes your skin look better, it makes your hair shine, and your tummy feel much better as well. And all with just a few simple lifestyle changes! Not in a month or two, but now! Now is the time for that change, now is the time to feel better;do this for yourself and be grateful for it!Clean eating is a challenge, given the amount of processed foods you can find on the market. It sounds harder than it actually is, and once you get started and taste real, clean food and get to testify to its benefits later on, theres nothing stopping you.Every single food we buy at the supermarket has at least one additive to preserve it better, to make it look better, or to taste better. But luckily in the last few years, you can see that many people have stopped eating whatever, whenever and began to become more interested in where their food comes from, how it is being produced, what it contains, and what health benefits it has. This has led to a movement that is trending more and more calledclean eating.

Herbal Remedies: Box Set: The Complete Herbal Remedies Guide

http://www.amazon.com/Herbal-Remedies-Complete-Natural-Medicine-...

This book is the ideal guide for the beginner delving into the herbal lifestyle. It not only provides simple, time-honored remedies for various ailments, but also unassuming herbal preparations that can be used on a daily basis for a healthy lifestyle. Herbs that are easily available, preparations that can be created at home and remedies that are suitable for everyone in your family; this book has something for everybody.
My aim with this book is to provide you with a simple and easy-to-understand guide that will maneuver you through the confusing and sometimes misunderstood world of herbal remedies. A bonus chapter towards the end of the book will help you put together your own herbal first aid kit that is guaranteed to become an irreplaceable part of your household soon.

Sugar Free Diet: The Greatest Collection of Low Carb, Low Sugar Recipes that Taste Amazing

http://www.amazon.com/Sugar-Free-Diet-Greatest-Collection-ebook/...


Today more than ever, we are faced with a dizzyingly wide array of unhealthy food choices that are much more convenient to eat than whole and healthy ones. Were talking about highly processed high calorie, high-sugar and high-simple carbs that increase our risks for developing Type 2 diabetes and other related sicknesses. So what are we to do?

DOWNLOAD YOUR COPY of this e-book now and learn how to make your own:

Sugar-Free And Low Carb Breakfast Treats Like Cheesy Pancakes And Spicy Tuna Omelets
Sugar-Free And Low-Carb Lunch Feasts Like Steamed Chicken In Sesame Oil And A Healthier And Lower-Carb Content Rice Substitute, The Cauli-Flower Rice
Sugar-Free And Low-Carb Dinner Pleasures Like Shroom Burgers And Nutty Sprouts
Sugar-Free And Low-Carb Desserts Like The Low-Carb Cheesecakes And Chia Pudding Treat

The Acid Reflux Cookbook

http://www.amazon.com/Acid-Reflux-Cookbook-Linda-Horton-ebook/dp...reflux disease is actually a more serious form of gas streets of deal reflux, which is more commonly known as acid reflux. Acid reflux occurs when your lower esophageal sphincter opens up all of a sudden, and stomach acid rises up into your esophagus. This can happen for a very long time ranging from a couple seconds to a few minutes and can leave your throat in much pain for quite some time. Acid reflux is also called acid regurgitation because digestive juices are the acids, which rise up into your esophagus. Fight acid reflux and GERD with these 40 recipes which your taste buds will love, and so will your stomach.

Totally Free Deals
Free Kindle Books--Diet, Herbal Living, Lifestyle, etc.
Added on : Saturday October 18th 2014 05:00:11 PM
g: 0 Posted By: sarahturtle
Views: 78 Replies: 0 Here are some highly rated to fairly highly rated Kindle books.

Clean Food Diet: Avoid Processed Food and Eat Clean:

http://www.amazon.com/Clean-Food-Diet-Vegetarian-Collection-eboo...eating improves your health, it boosts your immune system, it helps you think better, it makes your skin look better, it makes your hair shine, and your tummy feel much better as well. And all with just a few simple lifestyle changes! Not in a month or two, but now! Now is the time for that change, now is the time to feel better;do this for yourself and be grateful for it!Clean eating is a challenge, given the amount of processed foods you can find on the market. It sounds harder than it actually is, and once you get started and taste real, clean food and get to testify to its benefits later on, theres nothing stopping you.Every single food we buy at the supermarket has at least one additive to preserve it better, to make it look better, or to taste better. But luckily in the last few years, you can see that many people have stopped eating whatever, whenever and began to become more interested in where their food comes from, how it is being produced, what it contains, and what health benefits it has. This has led to a movement that is trending more and more calledclean eating.

Herbal Remedies: Box Set: The Complete Herbal Remedies Guide

http://www.amazon.com/Herbal-Remedies-Complete-Natural-Medicine-...


This book is the ideal guide for the beginner delving into the herbal lifestyle. It not only provides simple, time-honored remedies for various ailments, but also unassuming herbal preparations that can be used on a daily basis for a healthy lifestyle. Herbs that are easily available, preparations that can be created at home and remedies that are suitable for everyone in your family; this book has something for everybody.
My aim with this book is to provide you with a simple and easy-to-understand guide that will maneuver you through the confusing and sometimes misunderstood world of herbal remedies. A bonus chapter towards the end of the book will help you put together your own herbal first aid kit that is guaranteed to become an irreplaceable part of your household soon.

Sugar Free Diet: The Greatest Collection of Low Carb, Low Sugar Recipes that Taste Amazing

http://www.amazon.com/Sugar-Free-Diet-Greatest-Collection-ebook/...


Today more than ever, we are faced with a dizzyingly wide array of unhealthy food choices that are much more convenient to eat than whole and healthy ones. Were talking about highly processed high calorie, high-sugar and high-simple carbs that increase our risks for developing Type 2 diabetes and other related sicknesses. So what are we to do?

DOWNLOAD YOUR COPY of this e-book now and learn how to make your own:

Sugar-Free And Low Carb Breakfast Treats Like Cheesy Pancakes And Spicy Tuna Omelets
Sugar-Free And Low-Carb Lunch Feasts Like Steamed Chicken In Sesame Oil And A Healthier And Lower-Carb Content Rice Substitute, The Cauli-Flower Rice
Sugar-Free And Low-Carb Dinner Pleasures Like Shroom Burgers And Nutty Sprouts
Sugar-Free And Low-Carb Desserts Like The Low-Carb Cheesecakes And Chia Pudding Treat

The Acid Reflux Cookbook

http://www.amazon.com/Acid-Reflux-Cookbook-Linda-Horton-ebook/dp...reflux disease is actually a more serious form of gas streets of deal reflux, which is more commonly known as acid reflux. Acid reflux occurs when your lower esophageal sphincter opens up all of a sudden, and stomach acid rises up into your esophagus. This can happen for a very long time ranging from a couple seconds to a few minutes and can leave your throat in much pain for quite some time. Acid reflux is also called acid regurgitation because digestive juices are the acids, which rise up into your esophagus. Fight acid reflux and GERD with these 40 recipes which your taste buds will love, and so will your stomach.

Totally Free Deals
Driveway Easement - any concerns?
Added on : Friday October 17th 2014 11:00:02 PM
g: 0 Posted By: dblevitan
Views: 43 Replies: 0 We're considering a house in WA that has a driveway easement along one edge of it. This part of the driveway is shared between this house and the next property. The only information I've found (from public documents) is that there is a non-exclusive right of ingress and egress to the owner of the other property, that maintenance costs are shared between the two houses, and that no structure can be built within 55 feet from this edge of the property. I don't know, at this time, whether other agreements exist. This would be our first home purchase and neither of us has experience with such easements, so hopefully someone can answer a few questions from the financial side of things:

The properties are both on a relatively steep hill, so if you accidentally drove off the road you'd drop 10 feet or so. Should we have any concerns about liability from someone visiting the neighbors house and crashing while on this part of the driveway?
How is maintenance typically shared? Who decides that the driveway needs to be repaved?
What is the requirement for something like snow removal in this situation? Can we be forced to get a snow removal service even if we don't want it (primarily because snow falls only a few times a year around here)?
Given that the easement specifies nothing about the width, can we be forced to expand the width of the driveway? At the moment it's actually pretty narrow and two cars could probably just pass each other.

Thanks for any help you may have!

Discussion Deals
g: 0 Posted By: remick
Views: 199 Replies: 0 http://www.amazon.com/gp/product/B00BLVGPRO

4.5 out of 5 stars (44 customer reviews)

You dont have to be perfect to be a man of God. As Dr. Charles Stanley writes, a man of God is a maturing man, a striving man, a knowledgeable man. And the first step in real manhood is spiritual rebirth.

In Man of God, Dr. Stanley asks and answers questions such as these:

What can we learn about manhood from Jesuss example?
How does a true leader allow God to lead him?
Why is a godly man both velvet and steel?
What does it look like to be a provider?
What does it mean to lead with sensitivity?

Man of God will challenge and equip you to become a better leader, teacher, father, and husband. What makes a man? The answer starts here.



also free

Finding God When You Need Him Most
http://www.amazon.com/gp/product/B00B85CLW6
4.7 out of 5 stars (104 customer reviews)

In this encouraging book, Chip Ingram reveals how readers can meet God in the midst of their most difficult circumstances. Chip's candid discussion, personal stories, and solid guidance will allow readers to move from "knowing about God" to profoundly experiencing his presence and power in their lives. Whether they're struggling with rocky relationships, unexpected crises, depression, or injustice, Finding God When You Need Him Most will remind readers that the Lord is faithful to hear their heart's cry and will be there for them, time and again.



Living Free, Like You're 3!
http://www.amazon.com/gp/product/B00ENTJ942
4.6 out of 5 stars (7 customer reviews)

"Unless you change and become like little children, you will never enter the kingdom of heaven. Therefore, whoever humbles himself like this child is the greatest in the kingdom of heaven." - Matthew 18:3-4 (NIV)
In Living Free, Like Youre 3!, Alicia V. Sharpe uses these words from Jesus in Matthew to relate the freedom that three year olds experience to the freedom we adults could live out if we simply held an attitude that resembles young children. She uses this idea and highlights these principles by including scripture and real life stories covering issues such as trust, forgiveness, love, and freedom in Christ, so that we can be real with one anotherall traits that a young child lives out every day.



Swept Up by the Spirit Journey of Transformation
http://www.amazon.com/dp/B008HQWU1G
4.8 out of 5 stars s (58 customer reviews)

The author, Gary Garner, a confident, designer/building contractor of luxury homes becomes overwhelmed by the unprecedented mortgage/ housing crisis of the mid 1970's. Mired in darkness, shackled with debt, depressed and suicidal, with no faith and seemingly no place to turn for help, the Holy Spirit orchestrated an almost unbelievable awakening that would set his family on a most incredible journey- and which launched him on a lifetime evangelical mission.
Swept Up by the Spirit,Journey of Transformation is an account of this journey, relating many of the ways Jesus and the Holy Spirit supernaturally entered into his daily life and the lives of family members and others, intercepted, redirected and empowered them. The book recounts actual events, many in workplace settings, described just as they happened ,telling of a radical transition from worldly choices and near devastation to the Glory of Gods kingdom and the pursuit of His will. The book is filled with that most wonderful discovery of the Holy Spirits presence and redemptive involvement in everyday life, often at the least expected times and places.
Does the Holy Spirit still act powerfully in events and lives of ordinary people- in the very moment? Just like Acts of the Apostles! Join us on this journey and allow the Holy Spirit to lift you to new heights that may astound you.



Rediscovered Early Church PreMillennialism: Teachings of the Earliest Church Fathers on Prophecy
http://www.amazon.com/gp/product/B00N6ETVK2

Finally! What Christians have searched for since the Reformationthe early church premillennial view of prophecy.
Today, all discovered writings of the earliest church fathers have been compiled in the ten-volume collection The Ante-Nicene Fathers, Translations of the Writings of the Fathers Down to A.D. 325. Learn what those who lived closest to Christs disciples taught about:

 The Rapture of the Church
 Signs that Precede Christs Return (are they now unfolding?)
 The Tribulation (they interpreted it differently than today)
 The Antichrist (their insights into this coming evil world leader)
 The Wrath of the Lamb
 Armageddon
 The Millennium
 The New Heaven and New Earth . . . and much more . . .

You will find how simple Bible prophecy is when interpreted as the earliest church fathers knew how to interpret it.



Be Careful What You Ask For
http://www.amazon.com/gp/product/B00E3HESM2/

Reflections on the Lord's Prayer in Luke's Gospel
A series of essays that reflect on the Lord's Prayer as it appears in the gospel of Luke, phrase by phrase. Consideration is given to how the phrases are expanded and explained in the parables and teachings contained in the rest of the gospel. Also considered are the roots of key concepts in the Hebrew scriptures. Ramifications of different phrases in contemporary American society are mulled. Some will laugh, some will frown, some will nod in agreement and some will spit nails. And some may do all of these things. If this provides food for thought and reflection, it has reached its goal. If it provides some nourishment for your journey, it will have been worth the writing.
Books Deals

Amazon Coupons
g: 9 Posted By: VivYip
Views: 1873 Replies: 6 the Staples ad for the week of 10/19 is up:

front page related
$75 off $549 computers
Retail Coupon Code 35353
Valid 10/19/1410/25/14. Valid in U.S. stores only.
Discount applies to PCs only, regularly priced $549 or more. While supplies last. Excludes clearance items and tablets. Limit one coupon per customer, nontransferable. Minimum purchase requirement must be met with purchases to which no other coupon or instant savings offer applies. Tax is not included in calculating the minimum purchase. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.
249.99 Toshiba laptop with Intel Celeron Processor 1064944
$4 back in Staples Rewards Per recycled cartridge when you purchase $60 of HP ink or $200 of HP toner
Limit 5 per customer.
Valid 10/19/1410/25/14. Limit of 5 recycled cartridges will earn $4 back during the promotion. Purchase $60 of HP ink or $200 of HP toner in 1 transaction and earn $4 back in Staples Rewards on ink and toner cartridges recycled on same day of qualifying purchase for in-store purchases, or within 7 days for delivery purchases. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Standard monthly recycling rewards will be excluded from recycled cartridges earning $4 back. Standard limit of 10 cartridges per calendar month per customer still applies regardless of amount earned per recycled cartridge.
89.99 Staples Osgood chair 416523,923523(sun-mon)
109.99 Staples Hyken Technical Mesh Task Chair, Black 990119(sun-mon)

paper related
9.99AR Staples 8.5" x 11" copy paper, 5-ream case 990176(limit 4)
4.99AR Staples Multipurpose Paper, 8 1/2" x 11", Ream 513099(limit 4)


$1 items
Staples Comfort Stic ballpoint pens, medium, 12/pack 606124
Staples 0.7 mm assorted mechanical pencils, 12/pack 433423
Staples #2 pencils, 12/pack 476919
Staples pink handheld erasers, 3/pack 271031
Staples dualhole pencil sharpener, assorted 935650
BELLA 6 QT Shoe Box, Clear with Blue Lid (when a person buys 3 or more) 148187

copy/print related
20% back in Staples Rewards on Color Printing Services
Retail Coupon Code 66435
Color copies Presentations Posters Banners
Business cards Postcards Brochures
Valid 10/19/1411/1/14. Offer valid in store and online on color Copy & Print services with coupon only. Membership number must be supplied during purchase to receive benefi ts. The following services are excluded from this offer: Self-serve Copies, printing from the Computer Workstation, purchases from Staples Promotional Products, Scanning and purchases from Create.Staples.com. Purchase a qualifying item and earn 20% back in Staples Rewards. Standard percent back in Staples Rewards will be excluded. Not valid on prior purchases. Web-submitted order for pick up in store must be paid for in store in order to receive the offer. Price eligible is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Customer may only qualify for one promotion in a single transaction. Staples Rewards are issued online monthly in increments of $5. Rewards expire the last day of the month following the month in which they are issued and cannot be redeemed after expiration date. Monthly balances of less than $5 will roll over through the end of the following calendar quarter. Unissued rewards will expire at the end of the following calendar quarter unless a qualifying purchase is made during that rollover period. For full program details, visit Staples.com/rewards.


other
$20 VISA GC w purchase of $300 VISA GC (credit to DMC for psychic prediction ^_^)
Item: 763602, 374177, 763604. 763607, 866291, 374172
Limit 1 rebate per household.
Subject to availability. See gift cards for details, terms, conditions and (if applicable) fees. Limit 1 rebate per household. All trademarks are property of their respective owners. The Visa gift card is issued by MetaBank, member FDIC pursuant to a license from Visa U.S.A. Inc.
10 off $50 or more of Xbox Cards
Offer valid instantly in store, online or by phone. Minimum purchase requirement of $50 must be in one transaction. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. While supplies last. Subject to availability See gift cards for terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Limit 1 per transaction/customer. Gift cards cannot be returned or exchanged. The card cannot be redeemed for cash and no change will be given, except in states that require redemption for cash.
20% Select Crayola products with clip coupon
Retail Coupon Code 45283
Online Coupon Code 50058
Valid in U.S. stores, online or by phone. Valid 10/19/1410/25/14. Discount applies to Crayola gifts only. While supplies last.
Excludes Daily Deals and clearance items. Limit one coupon per customer, nontransferable. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.
0.75 Really Useful 0.14 L box (when purchase 3 or more)

Rebates, and other info will be updated as soon as possible (hopefully on sunday morning when everything goes live) Links are for reference purposes only.

Thank you for reading.
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Staples Coupons
g: 1 Posted By: VivYip
Views: 346 Replies: 0 the Staples ad for the week of 10/19 is up:

front page related
$75 off $549
Retail Coupon Code 35353
Valid 10/19/1410/25/14. Valid in U.S. stores only.
Discount applies to PCs only, regularly priced $549 or more. While supplies last. Excludes clearance items and tablets. Limit one coupon per customer, nontransferable. Minimum purchase requirement must be met with purchases to which no other coupon or instant savings offer applies. Tax is not included in calculating the minimum purchase. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.
249.99 Toshiba laptop with Intel Celeron Processor 1064944
$4 back in Staples Rewards Per recycled cartridge when you purchase $60 of HP ink or $200 of HP toner
Limit 5 per customer.
Valid 10/19/1410/25/14. Limit of 5 recycled cartridges will earn $4 back during the promotion. Purchase $60 of HP ink or $200 of HP toner in 1 transaction and earn $4 back in Staples Rewards on ink and toner cartridges recycled on same day of qualifying purchase for in-store purchases, or within 7 days for delivery purchases. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Standard monthly recycling rewards will be excluded from recycled cartridges earning $4 back. Standard limit of 10 cartridges per calendar month per customer still applies regardless of amount earned per recycled cartridge.
89.99 Staples Osgood chair 416523, 923523 (sun-mon)
109.99 Staples Hyken Technical Mesh Task Chair, Black 990119 (sun-mon)

paper related
9.99AR Staples 8.5" x 11" copy paper, 5-ream case 990176 (limit 4)
4.99AR Staples Multipurpose Paper, 8 1/2" x 11", Ream 513099 (limit 4)


$1 items
Staples Comfort Stic ballpoint pens, medium, 12/pack 606124
Staples 0.7 mm assorted mechanical pencils, 12/pack 433423
Staples #2 pencils, 12/pack 476919
Staples pink handheld erasers, 3/pack 271031
Staples dualhole pencil sharpener, assorted 935650
BELLA 6 QT Shoe Box, Clear with Blue Lid (when a person buys 3 or more) 148187

copy/print related
20% back in Staples Rewards on Color Printing Services
Retail Coupon Code 66435
Color copies Presentations Posters Banners
Business cards Postcards Brochures
Valid 10/19/1411/1/14. Offer valid in store and online on color Copy & Print services with coupon only. Membership number must be supplied during purchase to receive benefi ts. The following services are excluded from this offer: Self-serve Copies, printing from the Computer Workstation, purchases from Staples Promotional Products, Scanning and purchases from Create.Staples.com. Purchase a qualifying item and earn 20% back in Staples Rewards. Standard percent back in Staples Rewards will be excluded. Not valid on prior purchases. Web-submitted order for pick up in store must be paid for in store in order to receive the offer. Price eligible is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. Customer may only qualify for one promotion in a single transaction. Staples Rewards are issued online monthly in increments of $5. Rewards expire the last day of the month following the month in which they are issued and cannot be redeemed after expiration date. Monthly balances of less than $5 will roll over through the end of the following calendar quarter. Unissued rewards will expire at the end of the following calendar quarter unless a qualifying purchase is made during that rollover period. For full program details, visit Staples.com/rewards.


other
$20 VISA GC w purchase of $300 VISA GC (credit to DMC for psychic prediction ^_^)
Item: 763602, 374177, 763604. 763607, 866291, 374172
Limit 1 rebate per household.
Subject to availability. See gift cards for details, terms, conditions and (if applicable) fees. Limit 1 rebate per household. All trademarks are property of their respective owners. The Visa gift card is issued by MetaBank, member FDIC pursuant to a license from Visa U.S.A. Inc.
10 off $50 or more of Xbox Cards
Offer valid instantly in store, online or by phone. Minimum purchase requirement of $50 must be in one transaction. Price eligible for meeting minimum spend requirement is amount paid at checkout after application of all promotions, coupons, instant savings and rewards redemptions and does not include tax or shipping. While supplies last. Subject to availability See gift cards for terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Limit 1 per transaction/customer. Gift cards cannot be returned or exchanged. The card cannot be redeemed for cash and no change will be given, except in states that require redemption for cash.
20% Select Crayola products with clip coupon
Retail Coupon Code 45283
Online Coupon Code 50058
Valid in U.S. stores, online or by phone. Valid 10/19/1410/25/14. Discount applies to Crayola gifts only. While supplies last.
Excludes Daily Deals and clearance items. Limit one coupon per customer, nontransferable. Each item purchased can only be discounted by one coupon, applied by cashier in the order received and prior to tax. Coupon not valid if purchased or sold and must be surrendered. No cash/credit back. Not valid on prior purchases or purchases made with Staples Procurement or Convenience Cards.
0.75 Really Useful 0.14 L box (when purchase 3 or more)

Formatting, links, rebates, and other info will be updated (hopefully improved) by 10pm 10/16/14 Links are for reference purposes only.

Thank you for reading.
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g: 0 Posted By: remick
Views: 251 Replies: 0 http://www.amazon.com/gp/product/B0087OWGI0

4.5 out of 5 stars (66 customer reviews)

The Heart of a Leader offers Blanchard's insight and wisdom on:

Choosing values
Aiming for excellence
Maintaining integrity
Finding the courage to change
Helping others reach their potential

Arranged with your busy schedule in mind, this book offers you Blanchard's most important concepts in an accessible format. You can reach for instant motivation and insight on a daily basis or soak it up in one reading. Powerfully challenging and deeply inspiring, The Heart of a Leader will enable you to develop the courageous heart of a true leader, master key attitudes and actions to impact lives around you, and enjoy the profound wisdom that only Ken Blanchard can deliver.

Dr. Ken Blanchard is a highly respected business leadership consultant and best-selling author. His book The One-Minute Manager (with Spencer Johnson) has sold more than nine million copies worldwide, and Raving Fans and Gung Ho! (both with Sheldon Bowles) are also best sellers, along with other books in The One-Minute Manager Library. Ken is the chief spiritual officer of The Ken Blanchard Companies, a group of management training and consulting businesses that he and his wife, Dr. Marjorie Blanchard, founded in 1979. He is also a visiting lecturer at his alma mater, Cornell University, where he received his B.A. and Ph.D. degrees.





Be All You Can Be: A Challenge to Stretch Your God-Given Potential
http://www.amazon.com/gp/product/B005MT8Q28

4.6 out of 5 stars (27 customer reviews)

You have big dreams and major goals for your life. You want to be a leader, fulfilled and fully realized, always able to take what life throws at you and stretch beyond the status quo. But for some reason, you never quite get there. You just aren't living up to your potential, and you don't know why.

Now America's leadership expert, John Maxwell, gives you the tools you need to Be All You Can Be. In this powerful book filled with easy-to-grasp truths you can put to work right away, you'll discover the principles of success that can really help you succeed. Maxwell will guide you through four key steps:

Know: Discover the principles for fulfilling your God-given potential.
Show: Learn how to model the principles so others can see them at work.
Go: Roll up your sleeves, get out into the world, and live what you've learned.
Grow: Experience living at your full potential, continually assessing your progress.
As a result, you'll gain considerable hope for the future, which in turn will give you power to overcome in the present. Successful living and leading starts now: Accept the challenge to Be All You Can Be.

John C. Maxwell is an internationally respected leadership expert, speaker, and author who has sold more than 18 million books. Dr. Maxwell is the founder of EQUIP, a non-profit organtization that has trained more than 5 million leaders in 126 countries worldwide. Each year he speaks to the leaders of diverse organizations, such as Fortune 500 companies, foreign governments, the National Football League, the United States Military Academy at West Point, and the United Nations. A New York Times, wall street journal, and Business Week best-selling author, Maxwell has written three books that have sold more than a million copies: The 21 Irrefutable Laws of Leadership, Developing the Leader Within You, and The 21 Indispensable Qualities of a Leader. His blog can be read at JohnMaxwellOnLeadership.com.
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g: 0 Posted By: remick
Views: 166 Replies: 0 http://www.amazon.com/gp/product/B00G8H2KJS

Human effective IQ needs daily maintenance. Solving Word Scramble puzzles is a fun way of keeping the brain in top operating condition. Word Scramble puzzles are unscrambling word games. All the letters in a word are given, but out of order in ABC sorting. The goal is to unscramble the letters and find the hidden word. Overall Benefits of Solving Word Puzzles Improved Effective IQ The title indicates that these Word Scramble puzzles are designed "To Improve Your IQ." Intelligence Quotient - IQ - is a scientific assessment of your intelligence. Your IQ is determined by measuring your problem solving abilities, memory, general knowledge, and spatial imagery. The average God-given IQ of an adult is 150. It cannot be increased by medical science, because of the microbiology of the brain. It can, however, be improved. The average effective (day-to-day) IQ is only 100-110, mostly due to neglect - lack of brain exercises. Therefore, if you exercise your brain, you can increase your effective IQ. Word puzzles, such as Word Scramble, provide the necessary mental activity. Mental Exercise Word puzzles help expand vocabulary, strengthen word recall, and improve memory. You do not realize while you are working puzzles that you are using thinking skills. Your brain learns new skills and acquires knowledge throughout your life. Mastering puzzle-solving skills improves your thinking.



also free

Pixel Perfect Holiday Puzzles
http://www.amazon.com/Pixel-Perfect-Holiday-Puzzles/dp/B0063GIIK...

Pixel Perfect Holiday Puzzles is a logic puzzle game that challenges you to make a picture from numerical clues.

This sequel to the popular Pixel Perfect Puzzles gives you 50 new holiday and winter themed pictures to reveal. Each clue tells you where to draw a run of consecutive black squares. The clues in a row or column appear in the same order as the runs in the puzzle grid, with at least one empty square between each run. Start with the largest clues first, and then cross out squares that you know should be empty. This will allow you to narrow down the possibilities and logically determine the remaining squares.
The challenges can be tough, but there are 3 hints available on each puzzle to help you out if you get stuck. The game can even find and erase errors at any time. Time, hints used, and errors are tracked for each puzzle. Can you discover every picture?
If you like using logic to solve puzzles, you will love Pixel Perfect Holiday Puzzles!



Lapple+ Puzzle Book #2: 1000 Overlapping Words Puzzles
http://www.amazon.com/gp/product/B00G3ONQL2

Lapple+ puzzle is more challenging version of Lapple puzzle. If you are unfamiliar with lapple/lapple+ puzzles, you may be asking, What is a lapple/lapple+ puzzle? A lapple/lapple+ puzzle is an overLAPPing word puzzle. Each puzzle contains a word overlap from one to four letters. The objective is the find consecutive overlapping words by following the string from beginning to end. For example, in the string KIDNAPKINGDOMESTICATERRORIST, one finds the words KID, KIDNAP, NAPKIN, KING, KINGDOM, DOMESTICATE, CATER, and TERRORIST.
The overall benefits of working lapple puzzles include better memory, faster problem-solving skills, and increased alertness. Lapple puzzles help reinforce logic, critical thinking, and visualization. The mental exercise required to solve the puzzles provided in this book improves working memory.
Whether lapple puzzles are new for you, or you are already a lapple puzzle fan, this book will challenge you with lapple+ puzzles containing 161 letters (lapple puzzles contain 127 letters). Whatever the experience level or age of the solver child, adult, or senior lapple puzzles provide the puzzle solver with an activity that is not only fun, but also mentally challenging. Lapple+ puzzles have the solution words listed below the puzzle with letters reversed (Lapple puzzles have solutions listed in a different section of the book.)
Benefits of Lapple Puzzle Solving
In recent years, scientists have begun to pay more attention to the brain. The human brain is considered extremely complicated in its design and working. However, we know relatively little about how it works. We do know from studies that health benefits are derived from exercising the brain. Our minds, like our bodies, need stimulation and exercise. Working word, number, and logic puzzles provides that exercise for our brains.
Improved Focus and Attention
Puzzles can help your mind form new patterns and complex neural networks naturally. Scientists have found that your brain actually reorganizes itself in response to new challenges, and a lapple puzzle provides such a challenge.
Lapple puzzles also improve focus and attention while solutions are sought. Finding solutions requires a certain amount of solitude without distraction. Concentrated attention is an excellent skill to develop that will aid you in many areas of life.
Increased Mental Stimulation
Lapple puzzles provide you with an activity that is not only fun, but also mentally challenging. Thus, working lapple puzzles can increase your mental stimulation.
Intelligence Quotient IQ is a scientific assessment of your intelligence. Your IQ is derived from measuring problem solving abilities, memory, general knowledge, and spatial imagery. The average God-given IQ of an adult is 150. It cannot be increased by medical science, because of the microbiology of the brain. Your average effective (day-to-day) IQ is only 100-110, mostly due to neglect lack of brain exercises.
Contrary to popular belief, your brain is capable of growth (effective IQ) and change throughout your life. The daily effective IQ can be increased by various mental activities, among them lapple puzzle solving.
Enhanced Thinking Skills
Adults do not realize while working puzzles that they are using thinking skills. Our brains learn new skills and acquire knowledge throughout our lives. Mastering puzzle-solving skills improves thinking.
Adults have a natural ability to play and be creative with words. Lapple puzzles can enhance and boost creative intelligence. This is a great opportunity improve the brain's overall health and longevity.
Improved Memory

Much has been made of the health benefits of doing brain puzzles. Puzzles require brain exertion (exercise). Therefore, puzzles improve memory and encourage better brain function. This can lead to improved concentration and memory.



What State am I?
http://www.amazon.com/gp/product/B00DNRE71U

This collection of rhyming poems is a fun and easy way to help anyone increase their knowledge of the 50 U.S. states and capitals. Written to help develop and exercise high level, critical thinking skills for children ages 9 years old or older, the book serves as a great educational tool and resource for both teachers and parents. It enhances both the school social studies and reading curriculums.
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Free Kindle Book- Propose, Prepare, Present (was $14.99) & other business
Added on : Wednesday October 15th 2014 04:00:06 AM
g: 3 Posted By: remick
Views: 252 Replies: 1 Propose, Prepare, Present: How to become a successful, effective, and popular speaker at industry conferences
http://www.amazon.com/dp/B00D3VH4KW

Every year, tens of thousands of companiesfrom industry giants to aspiring upstartsapply to speak at conferences. They pump millions of dollars into these events, hoping to find new customers, strengthen their brand, and meet new partners. Sadly, for most of them, things dont go that way. Submitted topics arent chosen; when they are, they come across as tone-deaf sales pitches.

What does it take to be chosen to speakand to rock the mic when given the chance? This book takes you behind-the-scenes of the conference process, showing you how to submit, plan, and deliver a talk that matters. Event organizer Alistair Croll provides many examples based on his experience with a wide range of conferences, including OReillys Strata, Velocity, Web2Expo, and TOC Conferences.

Learn 11 items that help your submission stand outand 11 items that will get it tossed
Explore the hurdles your proposal has to clear before its accepted
Tailor your talk to a conferences topics and themes
Discover why images work better than words in your slide deck
Achieve your business goals by engaging the audience before, during, and after your talk



Powerful Communication: Influence, Persuasion and Communication Skills You Need to Have
http://www.amazon.com/dp/B00L9K6928

Whether you are a business owner, leader, or just about anything else, communication is critical. If your communication abilities are limited, though, your potential for success will also be limited.
In Powerful Communication: Influence, Persuasion, and Communication Skills You Need to Have #1 Best Selling Author Ric Thompson shares proven steps and strategies for how to improve your communication skills and how to use those skills to achieve your goals and live your dreams.



Public Speaking - Simple Tips To Become A Confident And Successful Public Speaker For Life
http://www.amazon.com/Public-Speaking-Confident-Successful-Train...

Youre about to discover how to feel comfortable and fully at ease with public speaking.
Many experts claim that public speaking is a dying art. This is because many people dread standing up in front of a crowd to say their piece. In fact, if they could get away not doing it at all, they probably will. This fear of public speaking breeds a counterproductive mindset that is actually more disadvantageous over the long run.
What is needed is to imbibe the right attitude needed to help you get your debilitating fear of the unknown. To enable you to become a confident and successful public speaker, you need to tell yourself that you are



Informal Learning at Work: How to Boost Performance in Tough Times
http://www.amazon.com/dp/B00B1W1104

Discover how the role of anybody involved with workplace learning, enhancing capability and improving performance MUST change to successfully manage the critical shift in the way organizations need to cater to the learning needs of their employees.
Despite millions spent on training, surveys show that the majority of workers are disengaged and delivering far less than they are capable of. Deliberately harnessing the power of informal learning is the new way to tangibly improve worker capability and performance, right at the point of work.
This book shows you how, using practical advice from workplace learning experts, and examples and case studies from around the world.



How to Pursue an Idea
http://www.amazon.com/dp/B00NCJL7G2

Everybody wants to be an entrepreneur but not everybody knows how to start a business. Did you ever have an idea that seemed good but didn't know how to follow it? Are you having a hard time coming up with ideas that could turn into gold? Well, this book will teach you how to generate ideas, pick the most suitable ones, share them, transform them and then turn them into a moneymaking activity that will go along with a well developed business plan.You'll learn through a step by step process and, hopefully, get motivated enough to make the jump from nothing to SUCCESS!



Capability at Work: How to Solve the Performance Puzzle
http://www.amazon.com/dp/B00NVHO5B4

Many organisations struggle with poor performance. Despite investing in various learning and development initiatives they seem unable to solve the performance puzzle. They cannot get to the real underlying cause of the lack of performance, and so it continues.
Think about it this way - wherever there is poor performance, it is because someone is not capable of doing what needs to be done. Something is stopping them doing the job in front of them.
This book is like a 'Field Guide' that shows you how to operate as a performance consultant, how to identify the root causes of poor performance, and how to collaborate with the operations managers to deal with those root causes.
It is clear that the role of Learning and Development is changing. This is both a challenge and an opportunity for L&D practitioners. The opportunity is yours for the taking!



Actually Useful Accounting
http://www.amazon.com/dp/B00ESUOEW8

Cashflow problems kill more small businesses than anything else. But before you can tame cashflow you have to understand your business: and that means learning basic accounting. Covering everything you need to know from accruals to year-end, Actually Useful Accounting is written by one of the masters of clear explanation: Phil Cohen. Phil started and still runs two consulting firms in Sydney, Australia, and has 30 years experience of what it takes to make a business a success. Contains excellent advice on tax, insurance, invoicing, payment terms, as well as a clear and bulletproof explanation of accounting and its application to running a successful business.



Leadership IS for Everyone
http://www.amazon.com/dp/B00G2BL15Y

Until now, leadership has always been viewed as the purview of a select few - it seems to be more about the "what" these leaders want their subjects to do, rather than the "how-to." That's a mistake, says Vinay Nadig. In this persuasive and pragmatic new book, Vinay makes a case that (a) leadership is accessible to anyone and (b) leadership is a set of sustainable daily behaviors.
He lays out a practical and instantly usable "leadership launch platform" in the form of 20 Leadership Secrets or techniques. These 20 secrets are the foundation of leadership as a way of life - the only real way to perform at an exceptional level.
Read what Marshall Goldsmith, 2 million-selling author of the New York Times bestseller, Mojo and What Got You Here Won't Get You There has to say about "Leadership IS for Everyone":
"In Leadership IS for Everyone, Vinay lays out a vision to achieve exceptional performance and achieve fulfillment at work. His core tenets of doing things rather than being somebody, of sustainable behaviors rather than a belief in hierarchy and title hit the mark in todays workplace. Using a practical workbook-like approach, Vinay leads you through the process of establishing yourself as a leader and then launching into the highest levels of leadership where you focus not just on yourself, but in transforming others. If you are looking to take your performance to the next level and achieve not just your goals but true fulfillment, then reading and using the 20 leadership secrets he shares in this book will prove invaluable."
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g: 1 Posted By: remick
Views: 121 Replies: 0 http://www.amazon.com/gp/product/B00LQFEYUU

"A Theory can be proved by experiment; but no path leads from experiment to the birth of a Theory"
~ Albert Einstein.

Quantum Computing, Neuromorphic and Neurosynaptic Chips sound really cool but what is the computational Theory behind these devices? Anyone? Without a Theory, is it realistic to expect a new revolutionary computing Theory to magically appear just by tinkering? Isn't this 'monkey at a typewriter' syndrome? What is so unique about these devices that you can't use conventional integrated circuits to do the same thing? How can you expect to harness quantum Theory to build a supercomputer when nobody understands how it actually works? These are tough questions I know, but If the answer is simply a quest for more computing speed, I would have to say, that in light of the string of flunked speed tests, "Houston...we got a problem!". What is needed is a radically new approach and for that you need a Theory!

This enormously challenging path led me over three decades to develop a radically new computational Theory; fractal hyper computation Theory. My Theory, described in this book, shows how language, vision, hearing and algorithms are computed in a fractal manner.

The Traveling Salesman Problem or TSP is frequently quoted as *the* problem that a quantum computer could solve astronomically faster than a classical computer; the quantum computer experts say it takes a classical computer longer than the age of the universe to solve a 30 city TSP. Is this true? Not so...there is published scientific research, including from major respected universities, showing that an optimization algorithm based on ant colony principles, running on a slow classical computer in emulation mode, can solve a 170 city TSP in around 1 minute and a 783 city TSP in 20 minutes? The age of the universe compared to 1 minute is a pretty large difference. What is going on here? The answer lies in the algorithm...it is a fractal hyper computation algorithm. This class of algorithm are created by and run natively on a fractal hyper computer. They perfectly match its algorithm mechanisms and framework. They evolve a solution (definition thread with lowest energy) in a lattice by the use of relativity and concurrence to pair nodes together. Quantum entanglement or "spooky action at a distance" is not needed by the ants, the ant colony simulations or the fractal hyper computer.

It would appear that the polynomial time computational speedup, that is often given as *the* big selling point for quantum computers, is an intrinsic and natural part of the massively parallel fractal hyper computer.

Problem solving (Chap 12 Algorithms) is consistent with quantum theoretic models and allows all solutions to be presented in a massively parallel lattice before a collapse occurs and the desired solution is selected. In this radically new computer architecture, memory and CPU are combined; the memory/CPU lattice *is* the computer!

"These advancements redefine the whole concept of what a computer is and how it works. The performance advantages offered by native fractal processing are huge and the computational advantage will lead to super-computers vastly more powerful than any that exist today. Once you understand the concepts of fractal computation, you will understand how mind blowing it all is. My invention of the fractal computer Patent Pending, I hope, will lead to the construction of one in the near future. I have figured it all out. The only step remaining is to build one."

"The first thing you need to understand is this. Throw way all of your preconceived notions about computers and bits and bytes. It will not help you one iota in understanding fractal computation Theory, in fact it will just get in the way. To think in such terms will be counterproductive. Forget about conventional computer architecture memory and CPU. These are now ideas of the past and forget about binary. The new kid on the block is quaternary."



also free

How to Hack Windows?: A complete guide to hack windows
http://www.amazon.com/gp/product/B00MHGA7MG

Learn the steps & techniques used to Hack Windows & be a hacker!




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g: 0 Posted By: remick
Views: 78 Replies: 0 http://www.amazon.com/American-Flag-collection-non-fiction-infor...

This book is filled with Pictures, Charts, Graphs, and Diagrams to help the reader to fully visualize the information that is being presented.This book is intended to give an insight into the history of the United States flag. There are pictures of almost every official national flag that has ever flown over the US including the dates that these flags were in use. There is also information about which presidents served under each flag as well as when each state joined the union. There are also chapters devoted to care of the flag, how to handle the flag, displaying the flag, and when to display your flag. There is also a chapter on flag etiquette and the National Flag Code, which give details into laws that concern dealing with the flag.
The information in this book has been thoroughly researched and is presented in a way that is easy to read and understand. The author has also written the book to be both entertaining and informative. It was written with the young reader in mind, but the in depth information contained within these pages will be useful to all. This makes this a great little book to add to anyones collection. I know you will enjoy reading The American Flag - Explore the History of the United States Flag Through Its Many Changes. I am also sure you will enjoy the over 50 images that are included. It is said that pictures make it easier to learn and also it makes it more fun. This book is also perfect for someone that is new to America and wanting to learn about our flags history because of its simple easy to understand format.
No other country in the world can match the intensity of emotion we Americans feel for our flag. It has been that way for over 200 years. Americans have always taken great pride in our country which makes the flag that represents the United States also very important to all citizens. The flag has always had a place in the hearts of the American people, even though in the early days most could not afford to have their own flag. To most Americans the site of a flag displayed in a parade or on the mast of a large military ship can bring goose bumps of patriotism.
The flag has always been carried into battle in some form or another. In most cases in the past, there was one man that was given the job of carrying the flag onto the battlefield. It was his job to make sure the flag could be seen by all as well as to make sure the flag never fell to the ground. If he got shot someone else would take the flag and carry it on. It was important that the flag be held up high for all to see at all times as a symbol of hope and triumph over adversity. A good example of why this was so important is when Frances Scott Key wrote the Star Spangled Banner, He noted that as the bombs burst in the air over Fort McHenry, he could see by the light from the explosions that the flag was still flying over the fort. That assured him that the fort had not fallen and the union had not been defeated.
There's no better feeling than when youre in battle and pinned down by the enemy, and out of nowhere you see the American flag coming. Your heart skips a beat because you know help is on the way. There's an old saying that said, When you see the flag coming over the hill you know the Cavalry is coming. The American flag has played a huge role in our countrys history and in the process became steeped in a history of its own. A history that every American needs to know and understand. A history that cannot and should not be forgotten. Patriotism must remain a large part of our culture so that this country can remain the superpower of freedom that it is today. Freedom is worth fighting for and our youth needs to understand why it's so important.
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How do I calculate equivalent salaries between cities?
Added on : Monday October 13th 2014 10:00:06 AM
g: 0 Posted By: usethisemailforcraigslist
Views: 122 Replies: 3 I am currently employed in Champaign, IL. A sleepy town, really. My annual salary is roughly $100k, pre-taxes. I have a wife (not-working) and a 1 year old. We want to move away from the midwest at all costs. I took up this job because I loved it, but I don't like anything outside the job. Horrible city (not a city, more like a village) to live in, absolutely no outdoor activities, for just about anything we have to drive 3 hours to Chicago, Indianapolis or St. Louis, the weather is miserable half the year. Maybe if I was a student in UIUC here, I would have loved it. But otherwise, it plain sucks.

We want to go somewhere where my wife can socialize more, get out and meet people. Given we are Indians, we figured California would be an awesome place. Even places like Houston / Dallas / Austin might do too.

Given I work as a software engineer, I figure it can't be too hard for me to get a job elsewhere. Assuming I do, where do I find information on what an equivalent salary would be to afford an equivalent life style?

I pay around $1000 for rent monthly. I walk to office because it is in walking distance. I have 2 cars, fully paid off. Insurance on them is around $400 or so per year. In general I have a comfortable life style.I am paid bimonthly. I have a HDHP and I pay into my HSA the maximum allowed each month. Max out my 401k with some employer contribution. After all that and my monthly expenses, I get to save around 15-20% of my salary each month. (Occasionally we splurge, vacation, travel to India for family and all that but nevertheless).

So what salary should I be negotiating when looking to move to a proper city? I am guessing cost of living here in this small town is lesser? I am guessing the same salary won't go so far in a real city where I actually have stuff to do on the weekends, as opposed to now where we basically just sit at home and have nothing to do except perhaps go to a park or two?
Personal Finance Deals
Amazon Fire TV: $81 (Rewards Price) $64.80 (A/C) @ Staples
Added on : Sunday October 12th 2014 02:00:07 PM
g: 0 Posted By: dazviking
Views: 248 Replies: 0 Staples
Amazon Fire TV
$81.00 for Rewards Members
-$16.20 (after Coupon)
$64.80

I know there has been some discussion about the Fire TV, including using the 20% coupon, but the price for me rang up lower than any previous posted deal.

Story:
I wanted to check if the 20% coupon would work (it did), and when my rewards number was entered the FTV was discounted further. I'm not sure how the pricing worked prior to my Rewards number, but presumably it was $84 as advertised. The two other coupons attached are the $10 off $50, and two Rewards. Both were given after the $81 pricing and 20% were confirmed.

Electronics Deals

Staples Coupons
g: 3 Posted By: remick
Views: 675 Replies: 0 http://www.amazon.com/gp/product/B00E0HOBUY

4.5 out of 5 stars (16 customer reviews)

This handbook presents acupuncturists with an overview of the current research literature and a useful framework for evaluating the clinical considerations of acupuncture treatment in the management of neuromusculoskeletal pain.

We provide information that can inform the application of all approaches to acupuncture practice for pain problems. We recognize that acupuncture practice is diverse and do not advocate one approach over another.

The handbook is intended to serve as a simple aid in the clinic and as an adjunct to reference texts and other sources. Please dont attempt to use this handbook as a comprehensive work of clinical diagnosis and treatment reasoning its certainly not intended for that purpose.

This book is a collaboration of expertise and as this is the first edition, we appreciate any feedback regarding its readability and usefulness to your clinical practice. We welcome your contributions for future editions.



also free

Anti Inflammatory Diet Recipes: Learn the Foods and Recipes that Reduce Inflammation Protect Your Heart, and Increase Weight Loss
http://www.amazon.com/Anti-Inflammatory-Diet-Recipes-Inflammatio...

Today, a number of people are faced with the struggle called inflammation. In fact, inflammation has often been termed as the leading cause for a number of diseases such as diabetes, arthritis, allergies, hypertension, fibromyalgia, lupus and other autoimmune disorders. This book will not only explain the linkage between inflammation and diseases, but also help you understand the essential components of an anti-inflammatory diet and lifestyle.
While this is not a weight loss diet, following this diet and lifestyle can bring some proven weight loss benefits.
The book will provide details on the foods that you should avoid along with recommendations for the ones that you should begin to consume. You will also get some useful tips on how you should shop for anti-inflammatory foods. The book is packed with twenty five interesting anti-inflammatory recipes for you to try and begin your journey towards a healthier and happier life.
You may use this book as your single most tool for attaining optimum health, through diet and lifestyle modifications that encourage substantial reduction in inflammation.



Best Practices in Chronic Pain Management-Multidimensional Assessment to Multimodal Treatment
http://www.amazon.com/Practices-Management-Multidimensional-Asse...

This multimedia eBook examines neurobiologic processes that contribute to chronic pain. Expert faculty also address how new mechanistic insights should shape best practices in pain assessment and treatment. The goal is to help clinicians maximize analgesia, functioning, and patient safety.



5-Minute Chi Boost - Five Pressure Points for Reviving Life Energy and Healing Fast
http://www.amazon.com/gp/product/B00E0HOBUY
4.5 out of 5 stars (16 customer reviews)

When thinking about the acupressure, most of us think about the procedures that are somewhat complicated to learn. Therefore majority of people never try using it or if they do, they give up quickly. However the acupressure (ancient art of healing by simple use of hands and fingers) in this book is well proven self-healing processes that anyone can learn fast.
The author (Master of traditional Chinese art of Chi Kung, Sifu William Lee) in this book reveals simple techniques you can easily apply and enjoy immense energy boost that you (most probably) need! INow, you can relieve yourself from headaches, lack of energy and tiredness, colds and flu, insomnia, lack of focus and ability to concentrate, chronic pains and many other disorders of health. This 5-Minute Chi Boost method is all about providing maximum results to readers in simplest possible way. Using photos and detailed descriptions this book explains all that one needs in order to know about why and how to apply ancient Chinese Art of Chi Kung, without need of anything else.
This is really simple yet powerful method that helps people get more energy, feel great, heal faster and stay healthy.



Home Remedies for Treating Back Pain: Simple Steps for Relief
http://www.amazon.com/Home-Remedies-Treating-Back-Pain-ebook/dp/...

Home Remedies for Treating Back Pain is a comprehensive guide to help sufferers to alleviate the problems of pain on a day to day basis. The book covers many way to deal with your back pain at home and may save you having to hide the pain behind unnecessary medication.
When the body hurts, the message sent through to the brain is that there is something wrong. By understanding more about how your own activity may aggravate your back, you will be able to live a pain free life. Back pain is extremely complex and can manifest itself in many ways.
Follow through the guidelines shown and you will not only learn to stem back pain in its tracks, but you will also learn how you can stop it from manifesting itself in the future. Your backbone is the very strength of your body. The book takes you through exercises and treatments help you to get to grips with problems that occur because of posture, problems that occur because of repeated actions, seating positions, etc., so that you are better equipped to keep your back pain free.
The way that pain works by sending signals also means that the pain caused by the back may indeed show itself in other areas of the body. Sciatica, for example, commonly sends pain down the back of the leg. Pain down the front of the leg can be caused by trapped nerves. Neck pain and headache can be as a result of something being amiss with your back.
By walking through all the help given by the book, which has been written by a long term back pain sufferer, you will be able to go forward in your life and learn how to strengthen the back against the ravages of pain.
Once you do, you will be very pleased that you chanced upon this book. Its intention is to help people to come to terms with what is happening to cause pain and to treat it at home so that pain is minimized and remedied by future actions which help to stop the pain coming back. Its common sense, although its also a book that couldnt have been written by someone with little experience of back pain. The treatments suggested in the book are as a direct result of treatments tried and proven to be effective in stemming back pain. The book may indeed be your step into a new life without pain.
Books Deals
g: 2 Posted By: remick
Views: 197 Replies: 0 http://www.amazon.com/gp/product/B00E0HOBUY

4.5 out of 5 stars (16 customer reviews)

This handbook presents acupuncturists with an overview of the current research literature and a useful framework for evaluating the clinical considerations of acupuncture treatment in the management of neuromusculoskeletal pain.

We provide information that can inform the application of all approaches to acupuncture practice for pain problems. We recognize that acupuncture practice is diverse and do not advocate one approach over another.

The handbook is intended to serve as a simple aid in the clinic and as an adjunct to reference texts and other sources. Please dont attempt to use this handbook as a comprehensive work of clinical diagnosis and treatment reasoning its certainly not intended for that purpose.

This book is a collaboration of expertise and as this is the first edition, we appreciate any feedback regarding its readability and usefulness to your clinical practice. We welcome your contributions for future editions.



also free

Anti Inflammatory Diet Recipes: Learn the Foods and Recipes that Reduce Inflammation Protect Your Heart, and Increase Weight Loss
http://www.amazon.com/Anti-Inflammatory-Diet-Recipes-Inflammatio...

Today, a number of people are faced with the struggle called inflammation. In fact, inflammation has often been termed as the leading cause for a number of diseases such as diabetes, arthritis, allergies, hypertension, fibromyalgia, lupus and other autoimmune disorders. This book will not only explain the linkage between inflammation and diseases, but also help you understand the essential components of an anti-inflammatory diet and lifestyle.
While this is not a weight loss diet, following this diet and lifestyle can bring some proven weight loss benefits.
The book will provide details on the foods that you should avoid along with recommendations for the ones that you should begin to consume. You will also get some useful tips on how you should shop for anti-inflammatory foods. The book is packed with twenty five interesting anti-inflammatory recipes for you to try and begin your journey towards a healthier and happier life.
You may use this book as your single most tool for attaining optimum health, through diet and lifestyle modifications that encourage substantial reduction in inflammation.



Best Practices in Chronic Pain Management-Multidimensional Assessment to Multimodal Treatment
http://www.amazon.com/Practices-Management-Multidimensional-Asse...

This multimedia eBook examines neurobiologic processes that contribute to chronic pain. Expert faculty also address how new mechanistic insights should shape best practices in pain assessment and treatment. The goal is to help clinicians maximize analgesia, functioning, and patient safety.



5-Minute Chi Boost - Five Pressure Points for Reviving Life Energy and Healing Fast
http://www.amazon.com/gp/product/B00E0HOBUY
4.5 out of 5 stars (16 customer reviews)

When thinking about the acupressure, most of us think about the procedures that are somewhat complicated to learn. Therefore majority of people never try using it or if they do, they give up quickly. However the acupressure (ancient art of healing by simple use of hands and fingers) in this book is well proven self-healing processes that anyone can learn fast.
The author (Master of traditional Chinese art of Chi Kung, Sifu William Lee) in this book reveals simple techniques you can easily apply and enjoy immense energy boost that you (most probably) need! INow, you can relieve yourself from headaches, lack of energy and tiredness, colds and flu, insomnia, lack of focus and ability to concentrate, chronic pains and many other disorders of health. This 5-Minute Chi Boost method is all about providing maximum results to readers in simplest possible way. Using photos and detailed descriptions this book explains all that one needs in order to know about why and how to apply ancient Chinese Art of Chi Kung, without need of anything else.
This is really simple yet powerful method that helps people get more energy, feel great, heal faster and stay healthy.



Home Remedies for Treating Back Pain: Simple Steps for Relief
http://www.amazon.com/Home-Remedies-Treating-Back-Pain-ebook/dp/...

Home Remedies for Treating Back Pain is a comprehensive guide to help sufferers to alleviate the problems of pain on a day to day basis. The book covers many way to deal with your back pain at home and may save you having to hide the pain behind unnecessary medication.
When the body hurts, the message sent through to the brain is that there is something wrong. By understanding more about how your own activity may aggravate your back, you will be able to live a pain free life. Back pain is extremely complex and can manifest itself in many ways.
Follow through the guidelines shown and you will not only learn to stem back pain in its tracks, but you will also learn how you can stop it from manifesting itself in the future. Your backbone is the very strength of your body. The book takes you through exercises and treatments help you to get to grips with problems that occur because of posture, problems that occur because of repeated actions, seating positions, etc., so that you are better equipped to keep your back pain free.
The way that pain works by sending signals also means that the pain caused by the back may indeed show itself in other areas of the body. Sciatica, for example, commonly sends pain down the back of the leg. Pain down the front of the leg can be caused by trapped nerves. Neck pain and headache can be as a result of something being amiss with your back.
By walking through all the help given by the book, which has been written by a long term back pain sufferer, you will be able to go forward in your life and learn how to strengthen the back against the ravages of pain.
Once you do, you will be very pleased that you chanced upon this book. Its intention is to help people to come to terms with what is happening to cause pain and to treat it at home so that pain is minimized and remedied by future actions which help to stop the pain coming back. Its common sense, although its also a book that couldnt have been written by someone with little experience of back pain. The treatments suggested in the book are as a direct result of treatments tried and proven to be effective in stemming back pain. The book may indeed be your step into a new life without pain.
Books Deals
BBE 882i Sonic Maximizer $129.99 Fs @ MF
Added on : Saturday October 11th 2014 04:00:02 AM
g: 0 Posted By: tedhawkins
Views: 2 Replies: 0 BBE 882i Sonic Maximizer $129.99 Fs @ MF

http://www.musiciansfriend.com/stupid

Product Description

The BBE 882i Sonic Maximizer is perfect for pro studios, sound reinforcement, clubs, and other venues requiring balanced outputs. Designed for uses requiring low noise, high headroom, and +4dBu input levels. It provides either stereo processing or processing for two separate mono channels, brightening, clarifying, and adding fullness to the sound. Features 5-segment LED output meters, +23dBu headroom, XLR and 1/4" stereo inputs and outputs, hardwired bypass, and a bypass switch for comparison of processed to unprocessed signals. Single rackspace.

The BBE Process--"What it Is"

Loudspeakers have difficulty working with the electronic signals supplied by an amplifier. These difficulties cause such major phase and amplitude distortion that the sound reproduced by the speaker differs significantly from the sound produced by the original source.
In the past, these problems proved unsolvable and were thus relegated to a position of secondary importance in audio system design. However, phase and amplitude integrity is essential to accurate sound reproduction. Research shows that the information which the listener translates into the recognizable characteristics of a live performance are intimately tied into complex time and amplitude relationships between the fundamental and harmonic components of a given musical note or sound. These relationships define a sound's "sound".
When these complex relationships pass through a speaker, the proper order is lost. The higher frequencies are delayed. A lower frequency may reach the listener's ear first or perhaps simultaneously with that of a higher frequency. In some cases, the fundamental components may be so time-shifted that they reach the listener's ear ahead of some or all of the harmonic components.
This change in the phase and amplitude relationship on the harmonic and fundamental frequencies is technically called "envelope distortion." The listener perceives this loss of sound integrity in the reproduced sound as "muddy" and "smeared." In the extreme, it can become difficult to tell the difference between musical instruments, for example, an oboe and a clarinet.
BBE Sound, Inc. conducted extensive studies of numerous speaker systems over a ten year period. With this knowledge, it became possible to identify the characteristics of an ideal speaker and to distill the corrections necessary to return the fundamental and harmonic frequency structures to their correct order. While there are differences among various speaker designs in the magnitude of their correction, the overall pattern of correction needed is remarkably consistent.
The BBE Process is so unique that 42 patents have been awarded by the U.S. Patent Office.
Features

+4dBu balanced line (1/4" tip-ring-sleeve and XLR inputs and outputs)
+23dBu headroom
Active balanced outputs
Hardwire bypass

Free Almond Joy or Mounds (SavingStar)
Added on : Friday October 10th 2014 06:00:11 AM
g: 0 Posted By: frankietp
Views: 131 Replies: 0 You can get a free Almond Joy or Mounds Chocolate Candy Bar right now on SavingStar. You can get 100% when you buy ONE (1) 1.61 oz. Almond Joy Milk Chocolate Coconut & Almonds OR 1.75 oz. Mounds Coconut Filled Dark Chocolate candy bar. Expires 10/12/2014.

https://savingstar.com/coupons/freebie-almond-joy-or-mounds%2F54...

You don't get the free product immediately.

Savings are automatically added to your SavingStar account within 2-22 days depending on when the store sends us the purchase data. (Note: the savings are not given at checkout in the store and they are not printed on your receipt). For Receipt-Scan Stores, youll just need to save and submit you receipt through the SavingStar app. Once your accumulated savings in your SavingStar account reach $5, you can pick your payout from a deposit into your bank or PayPal account, an Amazon gift card, or a donation to American Forests.
Totally Free Deals
Intex Challenger K2 2-Person Kayak - $100 Walmart / Amazon
Added on : Friday October 10th 2014 06:00:03 AM
g: 0 Posted By: piscesTX
Views: 25 Replies: 0 For those who have never used a Kayak, this one seems to be a good choice. Given its price and good reviews,I ordered one and life vests ( was cheaper at WalMart.com).
Intex Challenger K2 2-Person Kayak:

Inflatable 2-person kayak
30-gauge PVC vinyl
Weight capacity for Intex Challenger kayak: 350 lbs
Includes aluminum oars, a double quick hand pump, a backrest, removable skeg, grab line on front and back, and cargo net
Dimensions: 138"L x 30"W x 15"H
Model# 68306EP


http://www.walmart.com/ip/Intex-Challenger-K2-2-Person-Kayak/236...
http://www.amazon.com/Intex-68306EP-Challenger-K2-Kayak/dp/B0017...
g: 0 Posted By: remick
Views: 153 Replies: 0 http://www.amazon.com/gp/product/B00CXDZRKK

4.6 out of 5 stars (16 customer reviews)

What Promises Can You Believe?
In The Promises of God, Dr. R. C. Sproul shows how Godthe one true Promise Keeperalways keeps His promises. Drawing from his expansive theological background, Dr. Sproul addresses questions such as these:
How do we know that God will fulfill His promises to us?
What can we learn about Gods faithfulness as we wait for His promises to be fulfilled?
What was the agreement God the Father had with Jesus before the beginning of the world?
What does Gods covenant with Adam mean for us today?
What common covenant do atheists and other non-Christians participate in with God?
What does Gods covenant have to do with His forgiveness of our sins today?
Why did Jesus have to die to complete Gods covenant with us?

Gods promises throughout history are the foundation for your relationship with Him. Here you will see how and why He keeps His promises to you, from now through eternity.



The Precipice: When Everything We Know Ends
http://www.amazon.com/gp/product/B00JCHQSBW/
4.7 out of 5 stars (29 customer reviews)

Scan the headlines of any news outlet and it doesnt take long to realize the world as we know it is teetering on the edge of extinction. What will it look like if it falls? This book is divided into three short stories designed to give you a glimpse into the possible outcomes if humanity falls over the cliff. Each story paints a vivid picture of an out-of-control oppressive government scrambling to maintain order. These end times futuristic scenarios may seem absurd until they are compared with modern events that clearly show the world is closer to the precipice than we care to admit.
Each story is followed by a series of Discussion Questions that will challenge readers to ponder what they would do in similar situations of religious persecution. These questions should help readers identify where they stand in Christ, help them determine how much faith they place in modern comforts, and then encourage them to have a healthy fear of an expanding government coupled with a reverent fear of God. The Precipice could easily be used as a Bible Study in a small group setting.
There is much debate regarding the mix of politics and religion. Despite whether you believe they are intrinsically entwined or as unalterably distinct as oil and water, this book is for you. Liberty can only be maintained by an educated people willing to face the tough realities currently before us. This book will equip Christians to be Apologetic in an unapologetic way.



On Which Side of the Road Do the Flowers Grow?
http://www.amazon.com/gp/product/B009F15U3C
4.5 out of 5 stars (217 customer reviews)

Synopsis: During his years pastoring an inner-city church, Wendell Mettey discovered that God uses even the most blemished vessels to bring beauty into the world. In On Which Side of the Road Do the Flowers Grow?, Pastor Mettey shares the humorous and touching stories of his diverse congregation ordinary people whose lives were infused with an awareness of God's real and abundant grace.
On Which Side of the Road Do the Flowers Grow? is an excellent text for use in a small group or study class. The story-chapters provide a comprehensive, close-ended format for each session. Study guides are available to be used in conjunction with the book.


Raising Kids with Character That Lasts
http://www.amazon.com/gp/product/B004EPYQ1G

Poise your children for a life of success
Strong character that stands the test of time and circumstances does not develop automatically in children. It happens each day, a little bit at a time. Raising Kids with Character That Lasts shows you how to set and achieve the goals necessary for developing eight essential character traits in your children:

integrity
faith
a teachable spirit
a servant's heart
self-discipline
joy
compassion
courage



Straight Talk to Christian Singles: Moving from "Hi, how are you?" to "Yes, I do"
http://www.amazon.com/gp/product/B00MYS1DZ2
5.0 out of 5 stars (6 customer reviews)

If youre like many singles in the church today, youve probably followed the advice of spiritual leaders, dating gurus, or friends. Youve read the standard dating books, listened to the relationship talks, and attended the Christian meet-up events. Yet, perhaps youre still longing for God, an angel, or just someone whos been there before you, to cut through the cultural dating propaganda and give you straight answers to your tough questions. The author and his fun, insightful contributors will do just that. Join these wise Christian leaders and relationship veterans on their inspiring journey through Straight Talk to Christian Singles.
In this book, youll

Receive biblical understandings that will help you find and catch a keeper.
Learn to overcome the obstacles and invisible forces hindering your relational life.
Find some missing keys for Gods relational blessings for you.
Receive insights that put you inside the minds of members of the opposite sex.
Discover mindsets that inspire confidence and help you attract great relationships.
Receive a relational map to guide you through the dating maze to kingdom marriage.



All About Jesus: The Single Story from Matthew, Mark, Luke, & John
http://www.amazon.com/gp/product/B009MTOBCI
4.5 out of 5 stars (147 customer reviews)

Who was Jesus? What did he say? What did he do? This book is all about Jesus. It puts together the story of Jesus' life and message told by the people who knew him best--his disciples and friends--as recorded in the four Gospels of the Bible. Although the words were written over 2000 years ago, his message of peace, hope, love, and forgiveness still resonates with people of all races, nationalities, educational, and economic backgrounds. Some like what he said, while others disagree, but almost everyone finds him compelling. The story of Jesus comes to us from four different authors, Matthew, Mark, Luke, and John, written over a period of nearly seventy years. The message and uniqueness of Jesus remain the same, but each author tells the story from his perspective and for his purpose. Some writers wrote more; others wrote less. But what if we could read it as one single story from beginning to end? This book does just that by combining the four reports of Jesus' life into a single chronological story, using the easy-to-read text of the NIRV Bible. Take a new look at Jesus-- his life, his miracles, and his teachings--and to come to your own conclusions about the carpenter from Nazareth.
This book was produced in collaboration with Biblica (formerly the International Bible Society).



Get Off Your Knees And Do Something: 17 Things To Do After You Pray
http://www.amazon.com/gp/product/B008F15KI8
4.6 out of 5 stars (62 customer reviews)

You want to be a prayer warrior. You want get results. But something isn't working. Even though you've prayed scripture and chosen your words wisely, you still aren't getting results. The words you speak are vitally important. But so is the action that you take afterwards.
We all know, "Faith without works is dead," but we too often forget that activating our faith requires a bit of action on our part. We have to do something.And its important that we do the right things.Quick and easy read. Inspiring pages of inspirational quotes, christian humor, and true personal testimonies. Learn from biblical examples how to pray and declare what God says and then get up and take action. Learn to replace your negative self-talk with positive Faith talk. Declare favor over your life and then get up and take hold of it! This book can be used as a daily devotional. It will help you focus your faith and take action to get results and change your life.
Books Deals

Amazon Coupons
g: 0 Posted By: unit9174
Views: 65 Replies: 1 I am posting this in FWF rather than FWOA because I think there are some financial issues (ex, laws requiring a merchant to refund small value GCs, expiration of GCs, etc)

As most regular FW members know, office supply stores and drugstores occasionally offer 100% back in rewards on purchases. (ex buy batteries at OD for $7.99 and earn $7.99 Worklife Rewards card or purchase a $5 item at Walgreens and earn $5 in Register Rewards)

I am an Amazon Marketplace (and occasional eBay) seller and over time have acquired certain items I should not have bought and was ultimately planning on dumping a good portion (possibly in 0.99 no reserve auctions) but would like to make back as much of what I got put in plus other overhead like storage unit costs.

As some portion is likely to be hard to sell online, one idea I had was to offer (possibly through a flyer distribution in my area) items for sale at original price with 100% back in rewards, possibly subject to social media activity (ex. like us on FB or twitter). That is, i'd prefer to make the original sale in cash and then give a promotional credit similar to Worklife or Register Rewards. It is preferable that original sale takes place directly so buyer would have to pay in cash and can't receive and spend rewards and later file CB on original purchase were I to take Paypal on original purchase.

My concerns are that some states have laws not allowing GCs to expire and allowing people to cash out their gift cards. I am in Texas. Is there any way to doing so could create a nexus in another state (ex. buyer from CA is staying with family here, buys items, receives GC from me, returns home and claims since I provided GC to CA resident and since I offer items for sale with shipping to CA, I must honor CA GC law and refund amount of GC) or even if not any law that would prohibit the GC from expiring if not used or prevent blackout dates, if the buyer were notified before making the purchase? Any other potential legal issues?

BTW, has California Civil Code Section 1749.5 (d)(1) "Gift certificates that are distributed by the issuer to a consumer pursuant to an awards, loyalty, or promotional program without any money or other thing of value being given in exchange for the gift certificate by the consumer." ever been challenged as every loyalty program requires purchases to earn rewards, hence rewards would never be given "without any money or other thing of value being given" to the merchant/operator of the loyalty program?
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 0 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.
Included traffic receiver
With lifetime traffic service included, provides real-time traffic updates to help you avoid delays.
Smartphone Link app
Allows you to use a compatible Android mobile phone (not included) to share information and access Garmin Live Services for useful real-time information.
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.
Compact design
For go-anywhere portability.

www.bestbuy.com/site/garmin-nvi-2557lmt-5-gps-with-lifetime-map-...
Buying new vs used car
Added on : Sunday October 05th 2014 08:00:06 PM
g: 0 Posted By: SaulHudson
Views: 30 Replies: 1 There seems to be a few car buying threads lately, but I don't think this has been covered. Here's the question. Should I buy the a used 2012 vehicle for roughly 14K paid in cash? Or, should I be the new version of that vehicle for roughly 19K at 0% interest for 60 months? I normally would never even consider buying a new car, but at 0% interest... I started to wonder... is it really costing me that much more to buy new?

Some notes:
1) I'd rather not say the vehicle name in case any of the dealer's I've been dealing with are on FW. Yes, I realize that I'm incredibly paranoid.
2) I can afford the new vehicle. I have retirement accounts, 529, savings, and emergency accounts relatively well funded. I normally don't like buying new because of the cost.
3) I like to drive cars forever. So, in Theory, a car that is 2 years newer will give me an extra 2 years on the back end before it bombs.
4) As to what I'd do with the extra cash on hand from the 0% interest, it would probably be a mix of savings (maybe 30%), CDs (10%), and blue chip stocks (60%). These are approximate numbers. If the stock market tanks, I'd put more cash in. Certainly the actions of the market in the last week or so have given me cause to think that it may pay to have additional cash on hand to deploy if this market ever finally tanks.
5) If buying the used car, I'm not sure if could put the car on CC. I believe this is YMMV. If I can, I would use 2% back card.
Question Deals
Personal card for business purchases for points?
Added on : Sunday October 05th 2014 12:00:08 PM
g: 0 Posted By: mwarrior
Views: 101 Replies: 1 So given that Costco is ditching Am3x in Canada, and has already started accepting MC... Anybody have any insight on how CC issuers would feel about personal card usage for business purchases?
Also any suggestions on which MC to use? I've seen a few options such as the MBNA and BMO World Elite products, as well as Cap1.
Delta has a Skymiles card in Canada and it's 2miles/dollar (not a bad option).
I currently have a former Citi Driver's Edge card for 2% back across the board, but given the devaluation I'm not sure which would be a better option out of all of those...
And like I said, suggestions on how banks would feel using a personal card for mostly business use?
Question Deals
Ally bank froze my accounts - any recourse?
Added on : Saturday October 04th 2014 07:00:11 AM
g: 0 Posted By: master44
Views: 32 Replies: 0 I received a targeted offer from Navy Federal for a 18 month 0%, 0 fee balance transfer offer and initiated the transfer to my checking account at Ally bank as I've done before and as I confirmed with Navy Federal was allowed.

The check posted 7 days ago to my Ally account, but with funds being held 10 business days as the amount was $15,000.

3 days ago I attempted to login into my Ally account online and got a message that account access has been disabled. I called customer service and after a lengthy wait was told I had to call another 877 number to work the issue, but they couldn't give me any information and were very vague.

I called the 877 number they gave me which is Ally's fraud prevention department where you are asked to leave a message, there is no live person available. So I leave a message, but don't get a call back, so call in again today to find out what is going on. I speak to a rep who tells me there are notes on my account that say the Navy Federal check is being investigated and all my funds are being held pending the results of the investigation. Despite pressing I am not given any timeline for this process and am told that even though I have thousands more than the amount being investigated, all my funds are being locked.

I am told that the fraud department at ally is a "back office department" and don't have incoming phone numbers, they communicate to customer service via email and postnotes to the account. I am told I can leave them a message, someone may call me back or I can call back in 3-5 business days to see what is posted to my account.

My question is what recourse do I have? I am not doing anything illegal, I have funds in excess of the check to be cached that they are holding and I cannot seem to find anyone to work with to get this resolved. Can a bank freeze funds like this and not give me avenues to solve the problem in a timely matter? I have a trip coming up i a week and would like to withdraw some cash to have on hand and also have bills that will be due soon that I cannot pay. Please let me know if you have experienced anything similar and what my rights are to my money.

Thanks
g: 4 Posted By: remick
Views: 344 Replies: 0 http://www.amazon.com/gp/product/B00KWOQ2WE

4.9 out of 5 stars (17 customer reviews)

SCARED OF LIFE? YOU SHOULDNT BE! LEARN HOW POWERFUL YOUR MIND IS.

This book reveals the crippling effects that fear has on you and shows you how to crush them.
Fear is everywhere around us, dictating its requirements to us. We are scared of death, birth, success, failure, weight gain, sickness the list goes on. And what are we happy about? Well being alive, working (maybe), enjoying good health (maybe), savoring a mutually beneficial relationship (maybe), etc. So many maybe on the happy side, and so many certainties on the fear side Let us help you change that equation!

The book contains a helpful Discussion Guide and a sample chapter of sequel 98 Powerful Affirmations to Awake the Inner, Happier You The Complete Law of Happiness, But Simplified. Through thought-provoking questions, the book gives extensive advice on how to use the discussion guide, how to inform decisions related to the topics at hand, and how to best read it alone, in reading groups, with your partner, or as part of learning activities, among others.


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Life Coach: Personality Development: A Good Book' Packed with Self Improvement Techniques To Immediately Build Your Confidence & Self Esteem
http://www.amazon.com/gp/product/B00JDMMAP4

Do you want to have more control over your life? Do you want to become more self-aware and more successful at solving your personal problems? Do you want to feel more confident?
If you do, then you should read this remarkable book. Its simple and straightforward. It encourages everyone to take responsibility for themselves and shows how this can be done. Case histories are included, and advice is given on how behaviour patterns can be changed with thought, effort and practice.



When Wisdom Whispers: The Art of Following Your Heart to a Life You Love
http://www.amazon.com/When-Wisdom-Whispers-Following-Heart-ebook...
4.7 out of 5 stars (7 customer reviews)

Let me ask you something:
On a scale from 1-100, how skilled are you at making decisions?
Choices are your lifeblood: they represent the difference between your success story...and just another sob story.
Do you have the happiness and success you desire?
If not, then look no further than your own choices. Instead of making purely "logical" decisions like most people, I want to show you a better way.
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Although very informative, this book is also poetically riveting. You will be on the edge of your seat...you will laugh...you will cry...you will be uplifted, refreshed, and inspired!
The concepts covered in this book are absolutely crucial to living a fulfilling life. Following your heart is no joke. It's not a fantasy. It's not a nicety.
It's REAL. And to show you how real it is, I have included three very serious and incredible stories from my own life that demonstrate just how mysteriously powerful the human heart really is.



Success and Happiness - Quotes to Motivate Inspire & Live by
http://www.amazon.com/Success-Happiness-Quotes-Motivate-Inspire-...
4.4 out of 5 stars (43 customer reviews)

Motivational quotes to follow your conscience. Inspirational quotes to succeed with your integrity and character intact. Quotes organized by real life topics:



Mind Over Money: How to Program Your Mind For Wealth
http://www.amazon.com/Mind-Over-Money-Program-Wealth-ebook/dp/B0...

This simple 30-day training manual will help you change your life in every imaginable way. Discover the little-known secrets of thinking rich in order to finally created financial freedom in your life and avoid the critical mistakes that keep most people trapped in a cycle of money problems.



Dealing with Difficult Parents
http://www.amazon.com/gp/product/B00JEIIVF0/

Do you feel your relationship with your parents could be better?
When you talk to your parents, do you feel like a child again?
Do you find yourself behaving in ways you thought you'd grown out of when you argue with them?
It is hard to talk to them honestly about your life?
This book is for anyone who wants to build a more adult relationship with their parents.
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g: 0 Posted By: tedhawkins
Views: 145 Replies: 0 Old Dutch Hammered Solid Moscow Mule Mugs, 16-Ounce, Antique Copper, Set of 4 $58.95 Fs MMP via Amazon

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Hammered Solid copper is given an antiqued, patinated finish for a unique look; A solid brass handle completes the look
While designed with Moscow Mules in mind, they're also perfectly suitable for serving beer, soda or other cold libations
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16 oz. Volume
Hand wash with warm soapy water and hand dry
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Free Kindle Book- Lata- Voice of the Golden Era (was $22.50)
Added on : Saturday September 27th 2014 04:00:03 AM
g: 0 Posted By: remick
Views: 36 Replies: 0 http://www.amazon.com/gp/product/B004URV6IO

Lata Mangeshkar is a colossus who resigned over the world of Hindi film music for six decades. No other artiste is more deserving of the epithet, India's Melody Queen.

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Free Kindle Book- Just Believe by Jim Stovall (was $14.99)
Added on : Saturday September 27th 2014 04:00:03 AM
g: 0 Posted By: remick
Views: 72 Replies: 0 http://www.amazon.com/dp/B005M3N3G8/

4.6 out of 5 stars (115 customer reviews)

For every man there is a moment in life when he wants to give up. For Stanley Walters it was when he lost his son in a tragic accident. From that moment on he was trapped in a downward spiral of depression. Then he met a very special man named Charles who brought with him a very special message that he said has been passed down for thousands of years. This simple message changed Stanley's life forever. From Charles he learned what it truly means to succeed in every area of life.

You can learn this too as you join Stanley as he relives this very exciting journey from despair to triumph. Contained within this book is his journey and each lesson he learned that brought him one step closer to a life he given up in believing was possible. Will you join him? You can, if you Just Believe.
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School Charging $$$$$ if a teacher leaves. Legal?
Added on : Saturday September 27th 2014 12:00:05 AM
g: 2 Posted By: biggsben
Views: 4230 Replies: 80 Good Afternoon all,
I am posting on behalf of my Girlfriend. She was working at an inner city title 1 charter school teaching 2nd grade. She signed a 1 year contract that does state that a $1500 dollar fee can be charged if the teacher does not give 30 days notice. However due to the workingenvironmentand that the school has given her nothing in regards to training or other that she should not owe that money.
The administration was very loose and not very strict when dealing with students. Consequently the workingenvironmentwas not the best. My Girlfriend had student taught at an inner city school 2 years ago and another title 1 school last year. Student discipline and classroom management were not an issue. However back up by admin was lacking.
There were 4 issues that were not addressed by admin. On the first day 2 students got into a fight and when she broke it up there was no help from admin in dealing with the students. Neither was suspended or disciplined by the school at all. Another instance of children fighting in the school yard. Students trying to punch teachers. A student slapped a Para (teachers aide) and nothing was done. A student tried to shove my Girlfriend down the stairs when she was at the top standing and asking the student to get back to class. Another student elbowed her when she got close to him and asked him to come to the nurse (in order to take his medicine). None of these students have had anyrepercussionsfrom the administration. When specific events are brought to the attention of admin through email they do not respond to email but instead go directly to the teacher and speak in person. They will not (and have not) email any information that forces them to take action. They have gone so far as to side step the rules about DFS reporting about issues at home by coming directly in person to teachers and not emailing them.
The school is only a few students over minimum enrollment for the school. If they lose a few more then they will be shut down due to lack of funding. I believe this is the reason for not making waves with parents.
My GF was called for an interview at a school and offered the job at a much safer environment where the admin backs up their teachers. She planned on giving two weeks and if they demanded the 30 then speak then. She had another incident with a student trying to injure another student. She handled the incident brought it to the administrations attention and they dismissed it and said that it was fine. That there doesn't need to be any punishment. She told them then that she would have her things out by the end of the dayandthat she could not work in thatenvironment. She told them on the exit interview that she would not be paying the fee due to an unsafeenvironment; Today (6 days later) sent a letter demanding payment today.


My question is do you think there is any standing for a school that has an unsafeenvironment to fine the teacher for leaving?

Should this be brought to Department of Educations attention or would it be better to go to Department of Labor?

Just chalk it up as a lesson learned pay the fee be glad to be out of that situation into a new job and be happy that she is no longer there?

Talk to an employment lawyer and start paying him/her to get on the case?

P.S. no pics, can't have them floating around and make this identifiable.

EDIT: I edited the amount of money in title so that it would not be as identifiable.
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Free Fantasy Football Contests on Skyllzone if You are Interested
Added on : Friday September 26th 2014 02:00:07 PM
g: 0 Posted By: anonguy
Views: 149 Replies: 0 I've been doing fantasy sports since 1998 on Yahoo and just started playing daily fantasy in the past year. I do FanDuel and DraftKings, but I actually kind of like Skyllzone a little better. When they started earlier this year with basketball I did it for a couple weeks and ended up winning $50 total. If you play fantasy sports, they are unique in that you are playing 9 computer opponents in each contest and there is no cost. For football you can have five drafts/contests (they use a snake draft) per week and you win points depending on where you place. They also have cash games (1000 points to enter) where if you place first or second you win $15 and $5 respectively. Like I said, entry to cash contests is through points, but so far each week they have given me an additional 2000 free points anyway.

One other, potentially large bonus, is they are having a $100K tournament in Week 15 of the NFL. Again, there is no cost to enter. You earn entries (up to seven) by virtue of winning one of your contests. I had a lucky first week and won three entries. Not as lucky since.

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So if you are interested, or have any questions, shoot me a PM or ask below.
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g: 0 Posted By: ctgolfer
Views: 48 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 locations.
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Insert a removable memory card (not included) containing additional map data or regional maps to expand your navigational ability.

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School Charging $1500 if a teacher leaves. Legal?
Added on : Thursday September 25th 2014 08:00:19 AM
g: 0 Posted By: biggsben
Views: 106 Replies: 6 Good Afternoon all,
I am posting on behalf of my Girlfriend. She was working at an inner city title 1 charter school teaching 2nd grade. She signed a 1 year contract that does state that a $1500 dollar fee can be charged if the teacher does not give 30 days notice. However due to the workingenvironmentand that the school has given her nothing in regards to training or other that she should not owe that money.
The administration was very loose and not very strict when dealing with students. Consequently the workingenvironmentwas not the best. My Girlfriend had student taught at an inner city school 2 years ago and another title 1 school last year. Student discipline and classroom management were not an issue. However back up by admin was lacking.
There were 4 issues that were not addressed by admin. On the first day 2 students got into a fight and when she broke it up there was no help from admin in dealing with the students. Neither was suspended or disciplined by the school at all. Another instance of children fighting in the school yard. Students trying to punch teachers. A student slapped a Para (teachers aide) and nothing was done. A student tried to shove my Girlfriend down the stairs when she was at the top standing and asking the student to get back to class. Another student elbowed her when she got close to him and asked him to come to the nurse (in order to take his medicine). None of these students have had anyrepercussionsfrom the administration. When specific events are brought to the attention of admin through email they do not respond to email but instead go directly to the teacher and speak in person. They will not (and have not) email any information that forces them to take action. They have gone so far as to side step the rules about DFS reporting about issues at home by coming directly in person to teachers and not emailing them.
The school is only a few students over minimum enrollment for the school. If they lose a few more then they will be shut down due to lack of funding. I believe this is the reason for not making waves with parents.
My GF was called for an interview at a school and offered the job at a much safer environment where the admin backs up their teachers. She planned on giving two weeks and if they demanded the 30 then speak then. She had another incident with a student trying to injure another student. She handled the incident brought it to the administrations attention and they dismissed it and said that it was fine. That there doesn't need to be any punishment. She told them then that she would have her things out by the end of the dayandthat she could not work in thatenvironment. She told them on the exit interview that she would not be paying the fee due to an unsafeenvironment; Today (6 days later) sent a letter demanding payment today.


My question is do you think there is any standing for a school that has an unsafeenvironment to fine the teacher for leaving?

Should this be brought to Department of Educations attention or would it be better to go to Department of Labor?

Just chalk it up as a lesson learned pay the fee be glad to be out of that situation into a new job and be happy that she is no longer there?

Talk to an employment lawyer and start paying him/her to get on the case?

P.S. no pics, can't have them floating around and make this identifiable.
g: 0 Posted By: remick
Views: 212 Replies: 0 http://www.amazon.com/dp/B00NTTPM9S/

A book detailed with the story of a young entrepreneur (Nate O'Bryant) giving intellect and wisdom on how he became a 6- figure in less than 1 year. Jam packed with professional coaching, motivation, and testimony onunlocking and activating the true entrepreneur in you. The purpose of this book is to educate and entertain.



also free

Small Business Marketing: An Insider's Collection of Secrets
http://www.amazon.com/gp/product/B00EJ72EBI/

This is a book for the Small Business Owner, who wants to know the secrets of how to rocket sales through a structured, yet multifaceted Small Business Marketing and Public Relations campaign. Inside you will discover how reach a Target market with maximum return for your time and money invested.

This book is about turning your company into a booming successful business right now, while not spending fortune trying to do so. Written with the small business marketing budget in mind; this book shares hard won practical experience learned over four decades.

"An integral part of the success of a small business marketing campaign is trying to find the Wow! factor in all that you do. It is also examining closely what works, and keeping what does, and tossing out what does not. This book is about sharing ideas and strategies that can help you achieve the Wow factor on a low budget and at the same time adhere to the tools that are working.

Just like a three ring circus, one clown dancing does not Wow the crowd. So one needs to include the elephant, the daring trapeze, the balancing act and the lion tamer and have them all going on at the same time seven days a week to start approaching the audience Wow factor. One does not just run a single advertisement and wait.

One runs the advertisement, hosts an event, sends direct mail, makes calls, hands out flyers in the community, calls a press conference, etc. One thinks like a circus, and is always looking to have as many 'acts' in motion at one time."
~ Michael Delaware, Author

If you want to achieve consistent growth and prosperity with your business, then this new book - "Small Business Marketing: An Insiders Collection of Secrets" - gives you the answers to dozens of important questions and challenges every Small Business Marketers faces, including:

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... and more!

So, if you're serious about wanting a booming business and you want to experience prosperity in your business, then you will want to grab a copy of "Small Business Marketing: An Insiders Collection of Secrets" right now, because Small Business Marketing Expert and Author Michael Delaware, will reveal to you how every Small Business Marketers, regardless of experience level, can succeed - Today!



Habits of Successful People: Learn The Powerful Lessons To Be Successful
http://www.amazon.com/dp/B00JI5SEGA/

What this book is about:
Developing the right mindset for success in both life and business
Achieving your goals with the Habits of Successful peopl mindset
Setting foot on the best path for your career, with the right way of thinking

This book isnt about millions falling into your lap out of thin air, rather, it teaches you the right state of mind to know when theres an opportunity for millions, and then go and get it! Mark Snyders book connects your mind with your reality, helping you manipulate it as to get into the most favorable situations for you!



The Productive Person Action Guide: How to be more productive and maximize your work-life balance in 2 weeks
http://www.amazon.com/Productive-Person-Action-Guide-productive-...

Anyone privileged with the choice of how they spend their time is cursed with a common struggle...work-life balance. Whether you're a student, entrepreneur, or even stay at home parent, dividing your free time between productivity and personal time can be difficult.
How do you maximize each hour of productivity so that you are only focused on the task at hand, leaving you free to do other more enjoyable things?
And...how do you make sure your free time is truly FREE...free of guilt, free of stress, and free of feeling anxious for not being "busy"?
Both of these things require practice and can be tough to implement and manage with your already overloaded schedule.
In this practical and lighthearted Action Guide, James Roper and Chandler Bolt explain how you can be productive with your time without sacrificing your social life and the freedom you cherish.
By drawing examples from their time as students, entrepreneurs AND years of coaching student-entrepreneurs, they show the reader how be more productive while also creating more time freedom.
In this Action Guide, the reader will be given:
Productivity Hacks for becoming instantly more productive
Daily schedules that work perfectly for people who need to get stuff done, but also want to have some "me" time too
Prework that will alter their mindset and perspective on how they make decisions
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But, don't get it twisted...The Productive Person Action Guide is not meant to be the end all be all for productivity management. (instead, think of these productivity tips as a whole new set of tools for your productivity tool bag.)
The Productive Person is concisely written with your valuable free time in mind, and it teaches time management for entrepreneurs, college students, or anyone who struggles with work-life balance.
The Productive Person Action Guide takes it a step further by only providing the actionable steps and exercises from The Productive Person. If you want further explanation of what's covered in the Action Guide, you can check out the full version of The Productive Person on Amazon.
Don't let your time keep slipping away...take it back, make it productive, and enjoy your new life.




The Small Business Planning Guide For Professionals
http://www.amazon.com/Small-Business-Planning-Guide-Professional...

One of the most vital elements of our worlds economy is based on small businesses, usually a single owner and at most just a few employees providing vital services for their community. Often these are professionals seeking to improve themselves at their trade, and very few have substantial experience running a business, and even fewer have business degrees. Creating your own business can be one of the most rewarding and profitable moves you can make in your career, but without someone to guide you along can be a difficult and financially frightening process. Running your own business if you know your profession well, however, does not have to be hard.

This guide brings you through the processes of forming the structure and method of your business, to filing as a company and being aware of some of the most common tax questions. If you are looking to build a small business, or feel like the business you own is not as smoothly running and organized as you would like, The Small Business Planning Guide For Professionals is a superb text to help you wrap your mind around your business, get planning moving, and fill in gaps you might not have realized were there.




How to start your own business: The first 5 steps
http://www.amazon.com/How-start-your-own-business-ebook/dp/B00J8...

An excerpt from the book:
...When you are setting goals, put into consideration that it is only you that knows that you have started a new business and that unless the public gets to know, you do not have a business. Someone once said that having a business without advertising is like smiling to someone in the dark.




5 Crucial Ingredients of the Perfect Business Idea
http://www.amazon.com/Crucial-Ingredients-Perfect-Business-Idea-...

Will Mitchells 5 Crucial Ingredients of the Perfect Business Idea is an insightful guide for aspiring entrepreneurs who want to know how to come up with a good new business idea to work on, and more importantly, how to separate the good business ideas from the bad. The author says you need to cater to a responsive audience that actually needs your idea, product, or service, and show how what you offer is different from what competitors can deliver. He also discusses how to develop a realistic business plan with clearly defined goals.




How To Talk To Anyone: The Ultimate Guide On How To Talk To Anyone! - Use Charisma And Self Confidence To Talk To People And Get Anything You Want
http://www.amazon.com/How-Talk-Anyone-Confidence-Conversation-eb...

This book contains proven steps and strategies on how to easily persuade people and get what you want!
Most people don't realize the incredible power we have in our words, if we just open our mouth in front of the right people we will undoubtedly get what we want, if we say it with the proper delivery and self confidence
Charisma is a learned skill and anyone can be self confident and influence people if you know the proper steps and strategies outlined in this book.
At the same time, this book will show you how you can be impressive and charming just by being yourself. Yes, you are bound to be liked by the people you encounter everyday for being who you are. Everyone is free to attract the people that they need in their life, and that means that you can continuously grow your network and fill it with relevant people, as long as you know how to develop yourself. This book will show you how to do that. You will also learn the secrets of making the perfect first impressions, and getting the most out of the most ordinary conversations.




How To Set Goals: Your Goal Setting Bible For Maximum Personal Achievement
http://www.amazon.com/gp/product/B00BOVMRYG/

Setting goals gives every ordinary person the power to be extraordinary.
The bad news is about 99% of the population never discovers the power of goal setting.
The good news is I have the proven methods of the elite 1% and an exclusive invitation inside for you to join them.








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g: 0 Posted By: tedhawkins
Views: 146 Replies: 0 45% OFF Super Stroller Organizer - Fits Most Baby Strollers - also Great for Bikes and Cars + Bonus Ebook $13.19 w/code Fs Prime

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Considerations For Buying A Primary Home In Cash - No Mortgage
Added on : Wednesday September 24th 2014 06:00:18 AM
g: 0 Posted By: robronson
Views: 109 Replies: 4 I've never owned a home, though I consider it as a possibility in the next few years. I'm a life long renter in my 30s and have always chosen to live in modest cost of living areas. My rent over the last 10 years since I left college has been no more than $1000 per month in any place I've lived, and typically in the $600/month range. I have no interest in living in a place like NYC, LA, SF, Seattle, and that's pertinent to this post because if I did want to live there, then this strategy would be impossible.

I've built a nice nest egg in the $300k range and am shooting for early retirement, roughly in the $700k to $1M range in late 30s, early 40s. Currently able to net and save around $100k per year after taxes/living expenses and if I can keep that up, I'm well on track.

One of the major reasons for me avoiding home ownership is the mortgage process in general. While it may seem like a routine thing for most, I have a stronger-than-most protection of my privacy, and the process of getting a mortgage, for me, in my mental state, falls somewhere in the middle between root canal and prison rape. No need to go into details of my psychological fears of showing a stranger my finances, employment, and credit history, because it's how I feel and strangers commenting on this post won't fix me.

Thus, if I want to own a home, I would almost certainly do so with "cash" (certified check or whatever). Most of the areas I want to live have really nice homes in the $150k to $200k range. Given I am netting $100k per year (after living expenses, to my savings account), I can save enough money for a house in 2 to 3 years.

If I can get the liquid cash to buy a home in 2 to 3 years of work, should I do it? Any downsides? The alternative isn't getting a mortgage because I won't get a mortgage. Discussions about opportunity cost for lack of tax credits from mortgage interest aren't applicable to my situation. My alternative is continuing to rent.
Personal Finance Deals
g: 0 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/dp/B00KAGGTY0

SQL Server 2014 programming builds on achievements of decades in advanced relational database technology. Among the new SQL Server 2014 features is prominent: in-memory OLTP tables. Disk was always the slowest part of the computer system. Since memory is abundant, it is logical to place tables into memory to gain in performance. Programming SQL Server 2014 is fun due to the host of marvelous tools available for the developer in SQL Server Management Studio and Visual Studio. Graphical query designer, for example, helps the developer to develop the JOIN structure of a complex query. SQL Server 2014 provides a highly productive environment for database software development.

SQL Server 2014 introduces 3 new database design features: in-memory OLTP tables, inline index declaration in CREATE TABLE statement and updateable clustered columnstore indexes. In-memory OLTP aims to boost performance by reducing disk io as memory capacities are expanding frequently beyond the size of the database. SQL Server 2012 columnstore indexes are static. Updateable columnstore index expands the applicability of the performance feature. Inline index declaration elevates indexes to the level of PRIMARY KEY, FOREIGN KEY, CHECK constraint and DEFAULT constraint which can be declared inline.



also free

Functional CSS: Dynamic HTML without JavaScript
http://www.amazon.com/dp/B00KRQ3DJC/

This text delves into HTML and CSS organically. Each chapter focuses on a variety of HTML and CSS elements, together, in a context of practical and functional examples. Instead of dissecting each feature myopically, this book jumps into the "thick of it" and considers each HTML and CSS element in combination with other elements that are needed to make a given case work. For example, in chapter 2, explanations on how to build tooltips are provided, and topics, such as CSS selectors, absolute and relative positioning, text effects, CSS functions, and transformations, are covered. The key philosophical principle guiding this series is that software systems are synergistic combinations of diverse technologies; and, successful learning of these technologies is best facilitated via detailed and, importantly, immersive examples. Building functional mini-applications requires the fluent use of a broad range of HTML and CSS vocabularies. The cases presented in this series fully capture the richness of HTML and CSS languages.



Principles of Programming: Basic Concepts
http://www.amazon.com/dp/B00FNC3P0C/

Principles of Programming: Basic Concepts is a book created as a first programming resource for students and homeschoolers wanting to learn the basic concepts and an introduction to programming. Principles of Programming will take you through the simplest of programs that take one line of text to write, all the way through complex logic and fun programs for students.

10 easy lessons each with key concepts important to programming
26 programs created as examples and to be written by the student as practice
16 optional advanced exercises mean for those that desire extra instruction and challenge
download all the code to create each program



Microsoft Office 2013: An Introduction: A hands-on introductory tutorial for Microsoft Office 2013
http://www.amazon.com/dp/B00NMVS8IK

Get a hands-on, fast-paced yet thorough introduction to Microsoft Office 2013 with the use of Microsoft Office 2013: An Introduction!
If you want to put the power of Microsoft Office, the worlds most popular multi-purpose suite, to work quickly and with a minimal amount of hassle, THIS is the book you have been looking for! Whether you are seeking to create the best Word documents, comprehensive Excel spreadsheets, PowerPoint presentations that sizzle, or Access databases that provide the answers to all of your database questions, youll get a running head start with Microsoft Office 2013: An Introduction. In this book, you will learn to:

Create impressive documents in minimal amounts of time using templates and Word
Use Microsoft Excel to build worksheets and charts that you need to get your analytical point across
Prepare and present business presentations that dazzle with PowerPoint
Store, organize, and report on the precise data you need with Microsoft Access



The 2014 Guide To Free PC Software: Over 150 Superb Programs That Won't Cost You A Single Penny!
http://www.amazon.com/dp/B00HM9B7C2



Introducing Windows 8.1 for IT Professionals
http://www.amazon.com/gp/product/B00JYE19VW

Get a head start evaluating Windows 8.1 - with early technical insights from award-winning journalist and Windows expert Ed Bott. Based on the Windows 8.1 Preview release, this guide introduces new features and capabilities, with scenario-based advice on how Windows 8.1 can meet the needs of your business. Get the high-level overview you need to begin preparing your deployment now.

Preview new features and enhancements, including:

How features compare to Windows 7 and Windows XP
The Windows 8.1 user experience
Deployment
Security features
Internet Explorer 11
Delivering Windows apps
Recovery options
Networking and remote access
Managing mobile devices
Virtualization
Windows RT 8.1


Books Deals

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Mary Hartman, Mary Hartman: The Complete Series $87.99 FS Amazon
Added on : Tuesday September 23rd 2014 09:00:04 PM
g: 0 Posted By: tedhawkins
Views: 131 Replies: 0 Mary Hartman, Mary Hartman: The Complete Series $87.99 FS Amazon

http://www.amazon.com/dp/B00ESZZOM2

All 325 Episodes + Bonus Features on 38 Discs


Louise Lasser delivers a masterful performance in the title role of Norman Lears sublimely twisted soap opera, Mary Hartman, Mary Hartman: at once a parody of the format and a twisted satire of Americas media/consumer culture.


In the fictional town of Fernwood, Ohio, suburban housewife Mary Hartman seeks the kind of domestic perfection promised by Readers Digest and TV commercials. Instead she finds herself suffering the slings and arrows of outrageous fortune: mass murders, low-flying airplanes and waxy yellow buildup on her kitchen floor. Marys world is populated by a cast of misfits and oddballs: an impotent husband (Greg Mullavey), a sullen 12-year-old daughter (Claudia Lamb), bizarre parents (Dody Goodman and Philip Bruns), a man-eating younger sister (Debralee Scott), a country-singing best friend and her devoted husband (Mary Kay Place and Graham Jarvis), Fernwoods devious mayor (Dabney Coleman) and identical twins Barth and Garth Gimble (Martin Mull).


Far too controversial for any network at the time, the incomparable Mary Hartman, Mary Hartman is finally given its due with this celebratory and definitive DVD collection.
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$128,430.01 in student loans, what to do?
Added on : Monday September 22nd 2014 02:00:12 PM
g: -1 Posted By: CinderellaMan
Views: 178 Replies: 7 Is there an online forum that focuses on discussions of repayments of student loans?

Here is my situation (will simply ignore those who wish to bash my situation. Yes I know its that of a debt slave and yes I would do things differently if were to do again)

Income of 50,000 and spousal income of 30,000 per year before taxes. Here are the monthly options I'm getting for repayment:

Graduated 498.46
Income Based: 101.70
Standard: 1,159.84
Extended Standard: 789.86
Extended Graduated: 562.48
Income Contingent: 368.14

Income based is of course tempting but something tells me there must be a catch hidden to it in the future.

These are the basic pros/cons SUPPLIED BY THE LENDER:

Graduated:This plan sets low monthly payments that gradually increase every two years.Advantages

When making graduated payments, you begin repaying your loans at a lower payment amount than on the Standard Repayment Plan.
Your payment amount will increase every two years; however, your highest payment will never be larger than three times the amount of your first payment. For example, if your payment started out at $50 for the first two years, increased to $65 the next two years, after 8 years, the highest payment would be no more than $150.

Disadvantages

The amount of interest paid over the life of the loan is higher with this option compared to the Standard Repayment Plan.

Income Based:Your monthly payment amount is based on a formula that uses your Adjusted Gross Income, total indebtedness, and family size. Any balance remaining after 20 or 25 years (depending on your loan term) on an IBR plan is forgiven.Advantages

This payment plan was designed for customers whose student loan debt exceeds their annual income.
Designed to make your (and your spouses if applicable) monthly student loan payments more closely match your income.

Disadvantages

Every 12 months, to re-evaluate the payment amount, you must certify your adjusted gross income and family size.
If you qualify, you may pay more in interest than those who repay their loan under the Standard Repayment Pl

Standard:This plan has set scheduled monthly payments for the life of the loan.Advantages

Standard is the most commonly chosen repayment plan.
The minimum monthly payment is determined by the amount of the loan and the length of the repayment period.
Generally, this plan is the most economical method of repayment.

Disadvantages

This plan typically has the highest monthly payment amount; however, it allows you to pay off your loan faster, saving you money.

Extended Standard:If you meet the qualification requirements, a Standard or Graduated plan can be set up with the difference being that the repayment term will be up to 25 years.Advantages

The Extended Repayment Plan will be used in conjunction with either the Standard or Graduated Repayment Plan and will have a repayment term of up to 25 years.
The Extended Repayment Plan can result in a much lower monthly payment amount.

Disadvantages

This plan increases the total amount of interest paid over the life of the loan.

Extended Graduate:If you meet the qualification requirements, a Standard or Graduated plan can be set up with the difference being that the repayment term will be up to 25 years.Advantages

The Extended Repayment Plan will be used in conjunction with either the Standard or Graduated Repayment Plan and will have a repayment term of up to 25 years.
The Extended Repayment Plan can result in a much lower monthly payment amount.

Disadvantages

This plan increases the total amount of interest paid over the life of the loan.

Income Contingent:Your monthly payment is calculated based on your Adjusted Gross Income (and your spouses Adjusted Gross Income if you are married and filed a joint return or request joint repayment), family size, and the total amount of your outstanding eligible Direct Loans.Advantages

This payment plan was designed for customers whose student loan debt exceeds their annual income.
Under this repayment plan the repayment term may be extended to up to 25 years.

Disadvantages

If you qualify, you may pay more in interest than those who repay their loan under the Standard Repayment Plan.






Question Deals
Unemployment Insurance For the Single-Employee S-Corp
Added on : Sunday September 21st 2014 11:00:10 AM
g: 0 Posted By: robronson
Views: 57 Replies: 1 I'm considering W2ing my consulting work through an S-Corp I form in 2015. I understand I'll have to pay up to around $500 for FUTA (unemployment insurance taxes) to state and federal levels.

Suppose after 6 to 12 months of working, I can't find any more consulting contracts, either permanently or temporarily. Once I hit the required number of quarters for UI, can I submit and start collecting? This seems ripe for abuse. What's to stop someone from submitting a UI claim, even though they have possible gigs, but want to take a vacation paid for by UI? In general, the employer has to attest that there's no work for the employee. But since you're both the employer and the employee in this case, it seems like the UI People might not be too thrilled to pay out.

While I don't "need" UI money, if I'm required by law to pay into FUTA, then I will expect to submit a UI claim, as soon as I'm legally eligible, given a lack of consulting work. Assuming I work enough quarters to get some kind of payout, I would like to file a claim immediately, if only to recoup my FUTA tax.

Anyone have experience filing UI claims under these circumstances?
Question Deals
Free Rental Car Credits And Damage Waivers
Added on : Sunday September 21st 2014 07:00:15 AM
g: 0 Posted By: robronson
Views: 33 Replies: 1 It's my understanding that credit cards only offer their damage coverage if you pay for the full rental on the card. One "trick" I've heard is to book a rental with your credit card that offers the best reward points (2% Cash Back, perhaps), and if you damage the vehicle, when you return it, ask them to change the credit card payment to a card that offers a better rental car insurance coverage.

What are thoughts on using the "free rental car credits" that you earn from renting cars? For those not in the know, these are like frequent flier points, but only good for rental cars. My concern is if I take a trip, and use a free rental credit for even one of the days, then the credit card won't cover any insurance claim, even on days paid for by the credit card.

Further, if I pay for a whole trip using free rental credits, then obviously my CC won't cover anything. Given that the rental car company's damage waivers cost 1/3 to 1/2 of the rental per day, if I have to pay for their coverage while using the free credits, it makes the free credits nearly worthless.

Can I book a trip using free credits and if I damage the car, ask them to switch to a credit card payment at the end of the trip? I doubt that's possible, but it's the only thing I can think of.

What are the FWF-approved ways of safely using these free rental car days?
Discussion Deals
Costco Canada dumps Amex for Mastercard (And CapOne)
Added on : Saturday September 20th 2014 12:00:11 PM
g: 0 Posted By: mwarrior
Views: 39 Replies: 0 So the Co-Branded cards are going to CapOne, and ALL Mastercards are being accepted as of Jan 1, and Amex will not be. Looks like Amex may have given Costco a FR and Costco told them where to go
On a side note, any good Canadian MC (preferably Business) to leverage $300k of shopping at Costco?

http://business.financialpost.com/2014/09/18/costco-canada-ameri...
The competitive credit card business has experienced another slug-fest that ousted American Express from its perch as the sole card accepted at warehouse club retailer Costco Wholesale Corp. in Canada. Come January, shoppers at Costco in Canada will only be able to use a new co-branded Capital One Platinum MasterCard as both credit card and membership
Credit Deals
Starting Off Right
Added on : Saturday September 20th 2014 08:00:17 AM
g: 0 Posted By: wizwor
Views: 58 Replies: 0 My college senior will graduate next spring with no debt and a small savings account. He is a business/marketing major and spent the summer working for a market research firm. He is working for them one day per week now and will increase to two days next semester. He also telecommutes two nights a week. I think his prospects for employment upon graduation are very promising.

He has managed to save about $10k and is driving a new (last month), paid for (by me) car. He does not have a 401k where he works given his intern status. Under the circumstances, I think he should open an IRA. Given his current income, the IRA should probably be a Roth IRA. I would like some very specific advice to share with him about investing in a set it and forget it Roth IRA as a first step in planing for his financial security. I am not an account or an investor per se, but I think I can keep up if you guys type slowly.

thanks!
Investing Deals
Free Kindle Book- CHEMISTRY Principles and Applications (was $59.99)
Added on : Saturday September 20th 2014 05:00:08 AM
g: 0 Posted By: remick
Views: 148 Replies: 0 http://www.amazon.com/gp/product/B00HTWJ2OM/

The author presents this volume I of chemistry a teaching guide for instructors and students. This book gives first time students of chemistry a useful and compelling introduction to chemistry. To this end, this text book retains qualities that will be familiar to long time users.
The overall goal of this text book is to produce a book that introduces the students to the relevance and excitement of chemistry. This text book addresses the increasing close relationship among various disciplines and shows the relevance of chemistry to contemporary issues in a pedagogically approachable manner. This text book provides a format that allows the instructor to tailor the emphasis to the needs of the class. Step-by-step instructions and plenty of examples are given. This text book, in addition to chemistry majors, discusses exciting and relevant aspects of biological, environmental, and materials science in order to accommodate the needs of first-year chemistry students aspiring for biologically and medically relevant topics.
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Using HELOC to fund 529 HSA SEP and Traditional IRA Pros and Cons
Added on : Thursday September 18th 2014 04:00:15 AM
g: 0 Posted By: ScottMalinowski
Views: 1 Replies: 0 I need some advise. Here is the story.

Normally year after year without fail my wife and I can fund the following from our surplus.

529s - Two children - 10K - Our state gives a 10% credit on our state income tax.
HSA - approx 6K. Fully funded as a retirement investment vehicle (not really for health expenses at all, we fund those out of pocket.
SEP IRAs approx 1K.
Traditional IRAs about 10K.

Total 27K

This year we have had extra ordinary expenses and the surplus is not available.

We have a low interest HELOC which serves as source cash when needed.

Our debt is only minimal revolving cc that do not carry a balance.

I can see funding the 529s given the state credit will easily cover the HELOC %.

The others will reduce/defer my tax liability by likely HELOC %

Should I use my HELOC to fund these investments?

Free Kindle Book- Database Pro (was $19.95) and other related
Added on : Thursday September 18th 2014 03:00:04 AM
g: 1 Posted By: remick
Views: 219 Replies: 0 http://www.amazon.com/gp/product/B00BDS2FFQ

Learn SQL Server 2012 professional database design fast. Practical relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts, IT managers and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some database design, and who wish to refresh & expand their RDBMS design technology horizons. Familiarity with at least one computer programming language such as Visual Basic, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 400 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master relational database design & T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries, "CREATE TABLEs" must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database designer expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Chuck, can you create a new table for our electric pumps inventory?", you have to be able to type the CREATE TABLE query without documentation or SQL forum search and explain how it will work to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio. Mastery of the relational database design book likely to be sufficient for career advancement as a database designer and database developer.
Database design principles did not change much since the inception of RDBS technology in the 1970-s. Yet there are many IT installations with faulty database design which is very costly to the company. Good database design increases reliability, decreases development time and maintenance cost.



Ethical Hacking: Learn how to hack the web
http://www.amazon.com/gp/product/B00NMGGC92


A Gentle Introduction to Computer Programming Fundamentals
http://www.amazon.com/gp/product/B00ECI0D0S/

Programming is fast becoming a basic literacy. Software is pervasive in society and therefore it is needed in virtually every occupation. But for some people, programming feels very unnatural; that's where this book comes in! This book is written in a step-by-step, tutorial style that makes programming available to pretty much anyone who cares to take the time to learn. It's the result of my years of experience and research into teaching introductory programming. In addition, I've used versions of this book in my distance education programming classes for years, which has given me the advantage of optimizing it based on student comments and suggestions.

You can start using this book right away, without buying anything else and without having to install anything on your computer! Within a few days, you will understand the basics of how computer programs work.
C++ is used in this textbook because the syntax is almost exactly the same as C, Java, Javascript, PHP and many other popular programming languages. If you master the concepts in this book, they will transfer to many other languages. In addition, C++ does not require a lot of "scaffolding" to set up. For example, Java requires understanding classes right from the beginning, and PHP requires understanding html. With C++, you start with four standard lines at the top of your program, and you're into the program. Note that I really like Java and PHP, and write in these languages myself quite often; however, for a basic introduction to programming, C++ is the way to go!
When you're finished with this book, the world of programming wil


Designing Embedded Systems: Guidebook
http://www.amazon.com/gp/product/B00JMIMFM2

This Guidebook reviews the Software Development and Engineering Principles involved in the Design of Embedded Computer Systems.

The reason behind developing this book can be answered by the following question. What does an embedded software engineer produce? Now most people would say 'prototypes' and this might seem like the correct answer but it is not. The correct answer is that the engineer produces documentation, documentation that shows other people how to understand and build the product.

Now imagine that you are a software engineer who has newly joined the company and you have been given the unenviable task of maintaining an existing product. Why was this work given to the new guy? The answer is that no one else in the company wanted to tackle this project. Why? Because there is no documentation. So to figure out what the product does and to fix the bugs the new guy (or gal) has to reverse-engineer the source code. So the money that management thought they saved when some code was quickly thrown together by a software engineer (who has since left the company) they now find that several times more is being spent to fix up all the bugs and possibly add on some minor enhancement.
This type of problem occurs when there is no development procedure.
Which brings us to the Guidebook.
The Guidebook provides a standard procedure which may be used by the Systems, Software, Embedded, Firmware and Hardware departments. Various design and development documents are produced at specific points in the project and are passed out for review prior to being used by other team members. By having this consistency the entire team now know which design elements will be produced and the need for implementing any reverse-engineering will be eliminated. Product costs for maintenance will be greatly reduced. Manufacturing and Test departments will now have the necessary details with which to complete their work. For shouldn't the designers who intuitively understand the product be the ones to write down their knowledge such that it can be passed on to others?
By presenting these steps in the form of a Guidebook which is distributed to the engineering team, it then identifies the documents that are to be generated, when they should be produced, who should create them and who should be involved in the review process. This keeps the entire team synchronized, fully aware of their responsibilities.
Now some companies do have such procedures but they are long-winded and stored away in some unknown location on a harddrive.
But a bright red Guidebook that clearly spells out the development process.
Now wouldn't that be worth having?


Intel Trusted Execution Technology for Server Platforms: A Guide to More Secure Datacenters
http://www.amazon.com/gp/product/B00DREFPK6

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g: 0 Posted By: whatmary
Views: 145 Replies: 0 http://blogs.wsj.com/totalreturn/2014/09/16/student-loan-borrowe...

interesting.Citizens Financial Groupannounced on Tuesday that it is accepting applications from both parent and student holders of federal loans to refinance into private loans at the Providence, R.I.-based bank. Some borrowers who have good credit scores could get a lower interest rate than what theyre currently paying.Citizens fixed interest rates start as low as 4.74%, while variable-rate loans, whose rates can change each month, have rates as low as 2.31%. The lowest rates are given to borrowers with very high credit scores and long-term employment and who also have a Citizens checking account and set up automatic bill payments for their loan.
General Economics Deals
g: 0 Posted By: acro2014573
Views: 83 Replies: 1 I was one of those "abusers" of the Amazon Payments system. Me along with my room mate would, using Amazon Payments, transfer $1 15 times or so for each high yield checking account we each had, satisfying the transaction count requirement. Now, we just realized we have to close all our checking accounts (since they all have fees if the transaction count is not met). The bigger problem is the question of where do I move my money.

I have Ally savings/checking accounts.. I am in the process of ACHing my money from everywhere into Ally checking right now. I only have around $40k + some tiny amounts spread into 4 checking accounts (they only offer the APY for upto $10k).

Any suggestions on where to save it now? My only 2 requirements are free ATM withdrawals where possible, and atleast a decent interest rate.

Any reviews of Mango and Union Plus Debit cards as places to just park money? They have only $5k limits, but that's cool, I don't plan on needing $10k in the near future and can let my money sit between Mango and Union Plus cards.

Does loading money into a Amazon Serve Prepaid card via a debit card count as a transaction?

Note:
As you might have noticed, this is my first post. I have lurked on FWF for a long time and learned a lot. The biggest thing I have learnt is perhaps to do things silently so as to not raise any flags (such as never call a bank representative if I have a problem with an Amazon Payments transaction ) . But given my biggest interest-earner is getting washed away, thought I would come here for help.

I don't use debit cards normally. I have the FIA 2% for most purchases, the BofA Gas-3.3%, Groceries-2.2% card that I primarily use, a CapOne 1.5% card and a Citi 2% on its way. So I am not interested in programs that reward debit card usage. I would like to stick with credit cards.

Thanks!

EDIT: I looked at SmartyPig. Seems to be the highest online savings account at 1% . Anyone with SmartyPig savings account? How reliable is the bank that SmartyPig stores its money in?
EDIT: I mean the Mango and Union Plus savings card rather.
Deposits Deals
Apple Pay
Added on : Tuesday September 09th 2014 02:01:28 PM
g: 0 Posted By: GodelianKnot
Views: 61 Replies: 3 Interested in people's thoughts on Apple's new payment system:
http://www.apple.com/apple-pay/

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

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

In-app purchases is another interesting facet. Especially with something like OpenTable to pay at a restaurant without having to give them your card.
Discussion Deals
Cargo Carrier $35 at Menards B&M
Added on : Sunday September 07th 2014 05:00:03 PM
g: 0 Posted By: Albert1234
Views: 174 Replies: 0 I picked up this steel cargo carrier from Menards today for $35 (plus tax, no rebate, no coupon):

Link

It is very sturdy, was easy to assemble (around 8 bolts) and I was surprised at quality given the price.

I've been looking for a cargo carrier for some time. I think the aluminum one at Harbor Freight is better (currently $70 with a coupon) but my store is out of stock. I originally bought a Made in USA UWS Welding carrier from Amazon last spring but returned it due to very disappointing quality.

Also Menards has a triple ball towing hitch ball mount for $20 after $5 store credit rebate. Has a solid shank (rather than a tube) and the fit and finish is better than the one at Harbor Freight. But the balls are painted rather than chrome plated.
Tools & Automotive Deals
Legal Advice required on a Beauty pageant contest result !!!
Added on : Sunday September 07th 2014 08:00:16 AM
g: -3 Posted By: superdeltap3
Views: 74 Replies: 3 Hi Friends,

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

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

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

I am contemplating of putting a legal case against Event Judges (Sponsors) and Organizers to stop this culture of Favoritism and save innocent womens from all this suffering. I need some guidance on
1) How can I proceed with this? To keep the cost minimum.
2) What all proof do I have to collect?
3) What points do I have to prove?
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Added on : Sunday September 07th 2014 12:00:05 AM
g: 1 Posted By: MISTERCHEAP
Views: 253 Replies: 0 http://www.staples.com/coupons/?icid=HP:HP:DEALSDROP:COUPON:TEXT... Valid 9/7/149/8/14 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, e-readers, PCs, netbooks, Appleproducts, Beats, Boseproducts, Amazon Kindle, Epsonink and toner, HPink and toner, Steelcase, custom printing orders placed online, gift cards, mobile phones and mobile phone services, StaplesEasyTech(sm), SquareTradewarranties, phone cards or postage stamps. Must be a member of Staples Rewards. Staples Rewardsare issued online monthly in increments of $5. Rewards expire the last day of the month following the month in which they are issued and cannot be redeemed after the expiration date. Monthly balances of less than $5 will roll over through the end of the following calendar quarter. Unissued Rewards will expire at the end of the following calendar quarter unless a qualifying purchase is made during that rollover period. For full program details, visit Staples.com/rewards.
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Pension Cashout? Transfer to IRA? or Let it ride?
Added on : Saturday September 06th 2014 12:00:06 PM
g: 0 Posted By: pensioncashout
Views: 2 Replies: 0 Hi forum,

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

A few additional details:

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


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

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Clint Eastwood: 40-Film Collection DVD $76.99 w/FS @ Amazon
Added on : Thursday September 04th 2014 08:00:01 PM
g: 0 Posted By: ctgolfer
Views: 67 Replies: 0 Includes 38 feature films and 2 documentaries:spe

Million Dollar Baby
Mystic River
Pale Rider
Pink Cadillac
A Perfect World
Absolute Power
Any Which Way You Can
Bird
Blood Work
Bronco Billy
City Heat
Dirty Harry
Every Which Way But Loose
Firefox
Gran Torino
Heartbreak Ridge
Hereafter
Honkytonk Man
Invictus
J. Edgar
Kellys Heroes
Letters from Iwo Jima
Magnum Force
Midnight in the Garden of Good and Evil
Space Cowboys
Sudden Impact
The Bridges of Madison County
The Dead Pool
The Enforcer
The Gauntlet
The Outlaw Josey Wales
The Rookie
Tightrope
Trouble with the Curve
True Crime
Unforgiven
Where Eagles Dare
White Hunter Black Heart
Eastwood Factor Documentary
Eastwood Directs: The Untold Story Documentary



www.amazon.com/Clint-Eastwood-40-Film-Collection-Various/dp/B00B...
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Catastrophic Roth IRA losses - 2 questions
Added on : Thursday September 04th 2014 11:00:07 AM
g: 9 Posted By: IStillPickUpPennies
Views: 221 Replies: 9 I'm in my early 40's and recently lost virtually 100% of my investments in what was a rollercoaster ride over the past year. I invested in AAMRQ/AAL back in October of last year, and watched the bit of money I socked away each year over the past 15+ years pretty much triple from the company's recovery from bankruptcy and merger. I followed that up with another increase by investing in AAL long term call options, which brought me up to about a quadruple of last year's savings. Afterwards, in June I sold my AAL and diversified into 5 different stocks for more peace of mind. However, I second guessed myself when earnings was coming in July, figuring that the stock would beat expectations and I would get a nice bounce on short term options. Although the stock DID beat earnings expectations, plus also announced a dividend for the first time in decades, evidently the average investor expected more, and the options plummeted in value when we were on vacation. When I got back, the options were worth about 15% of what I paid for them. I held on, hoping the stock would recover, but the options ended up expiring as worthless in the end.

I'm left with about $150 in my Roth IRA, though I had over $100,000 in there back in June. I also had about $45k in taxable accounts that mirrored my Roth IRA, and 100% of that is gone as well. Thankfully, we still have about $7k in an emergency fund, and the kids have "future funds" that were not invested in options, so did not incur losses. Anyway, as far as retirement accounts and free cash, we are about wiped out. I am left with 2 questions:

1) When you have lost 100% of the $ in your Roth IRA, does the government allow for any sort of catch up investing so you can make up for the catastrophic loss? I've been a stay at home dad until recently (we lived off of 1 income), but my youngest child is now finally in school all day, and I can get back to the work force. I'm wondering if I could get a job and sock away 100% of my earnings for the next couple of decades to rebuild our retirement savings. I'm hoping that I am not limited to the roughly $5k a year, because at that rate, it would take me 22 years to be able to rebuild this thing to where I was in early July.

2) I've heard that there may actually be a way to use tax losses in a Roth IRA in such a situation, if I close the Roth IRA account. However, I believe that I read that this would require figuring out the original tax basis. This would be quite difficult, because I used 3 or 4 different brokerages over the past 15+ years, and I only have records from the past ~6 years or so. (none from the old accounts that were closed long ago, when I was making my original contributions) I'm not sure for the life of me how I would be able to figure out a fair tax basis for the Roth IRA, given that my contributions were sporadic over the years, and that the old accounts have been closed for years and years. Considering that, would it even be worth closing the account and trying to have some sort of tax gain out of it?

Thanks so much for any suggestions

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g: 0 Posted By: DaysFan
Views: 231 Replies: 0 http://aero.imageg.net/graphics/store_promo/AERO_INSIDER_PRINT_REDEEM.jpglinked

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tax benefits of issuing 1099-C as an individual
Added on : Sunday August 31st 2014 04:00:09 PM
g: 0 Posted By: kgotze
Views: 37 Replies: 1 long story short:
I ownan open judgement against someone who may be essentiallyuncollectable... rather than trying to put a lot of effort into collections, I was wondering if it was possible to claim some tax benefit by writing off the debt and issuing a 1099-c (as was all the rage in the mortgage forgiveness actions in the last 5 years or so).

I can find a ton of information on what to do if you receive a notice, but not so much guidance on providing one.

anyone have any experience or pointers?


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g: 1 Posted By: microdvd
Views: 124 Replies: 2 Living Social : Dallas Area : Retro Futura Tour @ Verizon Theatre :Sept 8 at 7:30pm :Thompson Twins' Tom Bailey, Howard Jones, Midge Ure & More (52% Off)https://www.livingsocial.com/events/1238602-two-tickets-to-retro-futura-tour

Two Tickets to Retro Futura Tour
Verizon Theatre at Grand Prairie Grand Prairie, TX
Monday, September 8, 2014 - 7:30PM

Doors Open: 6:30PM

AEG Live presents
Thompson Twins' Tom Bailey & Howard Jones
with Ultravox's Midge Ure, China Crisis, Katrina (ex-Katrina & The Waves)

what you get:Two Tickets

Choose from the following offers:
$45 for two 300-level side tickets
$50 for two 200-level side tickets

Lineup: Thompson Twins' Tom Bailey, Howard Jones, Ultravox's Midge Ure, China Crisis, and Katrina (ex-Katrina & The Waves)
Hear All the Hits!
Everything old is new again at the Retro Futura Tour, a one-night-only concert hitting Verizon Theatre at Grand Prairie on
Monday, September 8. Thompson Twins' Tom Bailey will play all the Thompson Twins hits like
"King for a Day", "Doctor! Doctor!", "LIES", "You Take Me Up" and "Hold Me Now" live for the first time in 27 years
-- joining him are acts including Howard Jones, Ultravox's Midge Ure, China Crisis, and Katrina (ex-Katrina & The Waves).
As these acclaimed artists take the stage to perform their greatest hits, you'll be transported back in time to re-live all those old memories.

Find out more about the Retro Futura Tour
http://www.axs.com/events/252642/thompson-twins-tom-bailey-howar...Go back to the future this summer and experience all the moody synths, lush guitars and gravity-defying hairdos of the '80s best new wave artists.
The Retro Futura Tour brings together the top synth-pop bands and performers of the Reagan era --
including the Thompson Twins' Tom Bailey, Howard Jones, Ultravox singer Midge Ure, China Crisis and Katrina of Katrina and the Waves --
for one incredible concert. From Thompson Twins' "Hold Me Now" to Howard Jones' "Things Can Only Get Better,"
Ultravox's "Dancing With Tears in My Eyes" to China Crisis' "Wishful Thinking,"
this fun summertime concert is like a live Memorex mix-tape of your favorite hits of the '80s and beyond.

Retro Futura Tour 2014What it is: a gathering of some of the most popular British new-wave musicians from the 1980s
How you remember Tom Bailey: as the bassist and vocalist of the Thompson Twins, whose super-hits include "In the Name of Love," "Lies," "Doctor! Doctor!" "Lay your Hands On Me," "King For A Day," and "Hold Me Now"
How you remember Howard Jones: from his double-platinum album Human's Lib
Jones' Hollywood connection: his song "Like to Get to Know You Well" soundtracked John Cusack fixing his Camaro in the surreal '80s comedy Better Off Dead
How Ultravox's Midge Ure describes their hit "Vienna": "We wanted to take the song and make it incredibly pompous in the middle, leaving it very sparse before and after, but finishing with a typically over-the top classical ending. The whole thing was a bit tongue in cheek."
Evidence the public might not have picked up on the joke: the single rocketed to the number-two spot, and was later named by Radio 2 to be Britain's favorite song to ever halt at the runner-up spot
China Crisis's claim to fame: the hit single "Wishful Thinking"
How Katrina Leskanich of Katrina and The Waves improved the '80s and water-park lines everywhere: by lending her vocals to "Walking on Sunshine"

http://thompsontwinstombailey.com/
http://howardjones.com/

http://www.retrofuturatour.com/

REFUND POLICY: This event is nonrefundable. No full or partial refunds are given to customers who miss an event.
In the event of a cancellation, your voucher will be fully refunded
The deal is valid on event date only
Groups wishing to sit together must have one person purchase all tickets in one transaction
Purchaser must pick up ticket(s) at Will Call prior to show
Purchaser may change the name of the individual retrieving tickets up to 48 hours in advance of event via the LivingSocial website event details section;
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Event is rain or shine
LivingSocial is pleased to offer you the opportunity to purchase this deal to be fulfilled by the entity indicated on the voucher
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g: -1 Posted By: tafandi
Views: 349 Replies: 3 http://www.newegg.com/Product/Product.aspx?Item=N82E16825122015

I'm gonna buy to replace my Time Warner modem (given for me for free when signed up, but somehow they want it back or else I pay a fee)

Any advise for me before I pull the trigger?
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g: 0 Posted By: tafandi
Views: 204 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16825122015

I'm gonna buy to replace my Time Warner modem (given for me for free when signed up, but somehow they want it back or else I pay a fee)

Any advise for me before I pull the trigger?
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Is there a benefit to a Living Trust in my situation?
Added on : Tuesday August 26th 2014 01:01:02 PM
g: 0 Posted By: kriskos4
Views: 123 Replies: 2 My father is 91 years old, lives with me and is worth roughly 4M...half cash and half stocks, no property. My brother and I will be his heirs, nobody else. The cash is in CDs payable to my father or either me or my brother 'upon death'. As far as I know, this money will not be subject to probate since it's automatically ours upon presenting a death certificate. The stocks are different though, the will states half to myself and my brother but not sure how exactly that would play out. Would the stocks be subject to probate court even if covered in a will? How much would they be taxed in probate? (stocks worth approx 1.5M)

I am getting a new will done, power of attorney and a health document stating his wishes. Just wondering if a Living Trust is beneficial given the amount is under the 5M that's taxable.
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Ebay: $50 Jiffy Lube Gift Card for ONLY $40!
Added on : Monday August 25th 2014 05:00:06 AM
g: 0 Posted By: JayMatt19
Views: 76 Replies: 0 Linky
$50 Jiffy Lube Gift Card for ONLY $40!With over 2,000 Jiffy Lube service centers across US..
Purchase limit of (3) Jiffy Lube Gift Cards per eBay user ID, while supplies last.Retailer Information
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Free Stein from Samuel Adams - text or email - void in CA & TX
Added on : Sunday August 24th 2014 09:00:58 AM
g: 0 Posted By: briarycliffs
Views: 24 Replies: 0 All entries receive a free .5L glass stein. I entered the info and it just said profile updated, don't know if they send glass or code for glass or something else. Saw it on a Rite Aid beer fridge advert.

Enter to win the Samuel Adams Ofest Ceramic Stein Sweepstakes

HOW TO ENTER: There are two (2) ways to enter: 1) Text Messaging: During the Sweepstakes Period, text an official entry code (the Official Entry Code) (example: Text STEIN), found in store on point of sale cardboard signs, packaging material, cooler stickers or other Official Entry Code communication on Sweepstakes related advertising materials at participating retailer locations to 30364 using a wireless, SMS-capable phone. You must provide your own phone. Once you have properly text-messaged the Official Entry Code to the promotional phone number, you will receive a reply via text messaging requesting age confirmation. You will then receive a second text requesting your zip code. You will then receive a third text requests what store chain you are entering from. Once you have responded to the age, zip code and store confirmation texts, you will receive a final reply via text message confirming your entry into the Sweepstakes, a promotion code for a free Samuel Adams .5L Glass Stein (excluding TX and CA residents) ARV $9.99, and providing link to the Official Rules. Important Notice: Your wireless service provider may charge you for each text message you send and receive. Standard text message rates apply. Other charges may apply. Please consult your wireless service provider regarding pricing plans. You must be a wireless service subscriber with text messaging service, using a participating service provider in order to enter via this method. Not all cellular phone providers carry the necessary service to participate. Check your phone capabilities for specific text messaging instructions. Entrants may opt-out at any time by texting STOP to 30364, text HELP for help. In the event the winner is selected from a text message entry, the prize will be awarded to the authorized account holder associated with the given wireless telephone number used to enter the Sweepstakes by sending a text message. The authorized account holder for text messaging entrants is defined as the natural person who is assigned to a wireless telephone number by a wireless service provider. Proof of being the authorized account holder may be required by the winner and dependent upon Sponsor satisfaction.

2) Email: During the Sweepstakes Period, email OfficialRules@samueladams.com (the Email) and provide your first and last name, complete mailing address (PO Boxes not accepted), telephone number, email address, date of birth. Once registration is complete, the user will receive an email with a unique code to redeem a free Samuel Adams .5L Glass Stein (excluding TX and CA Residents) ARV $9.99. In the event of a dispute over the identity of an online entrant, entry will be deemed submitted by the authorized account holder of the email account of the email address submitted at the time of entry. The authorized account holder is the natural person who is assigned to the email address by an internet access provider, online service provider or other organization that is responsible by assigning email address or the domain name associated with the submitted email address. Use of any device to automate entry is prohibited. For purpose of these Official Rules, receipt of an online entry occurs when the OfficialRules@samueladams.com servers record the entry information upon clicking the submit button. Any automated computer receipt (such as one confirming delivery of the e-mail) does not constitute proof of actual receipt by Sponsor of an online entry for purposes of these Official Rules.
Limited one (1) entry per person, regardless of method of entry. Duplicate entries for a single individual will be disqualified. All entries become the property of the Sponsor.

Rules
Surveys & Rewards Deals
g: 1 Posted By: remick
Views: 260 Replies: 1 http://www.amazon.com/gp/product/B00E1O6VG8/

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Perry Noble has stood at the edge of the abyss himself, and in Overwhelmed, he shares the keys to unlocking the chains of anxiety and despair once and for all. Building on the premise that when we shift our focus from our circumstances to Christ, everything changes, Perry walks readers through a life-altering plan for overcoming stress, worry, depression, and anxiety so we can be free to enjoy the abundant, joy-filled lives we were created for.

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Anger Management: Effective Anger Management Using an Easy and Practical Approach to Cognitive Behavioral Therapy and Mindfulness Meditation (Anger Management ... Behavioral Therapy Made Simple Book 1)
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FLOW
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Please evaluate my Business Idea
Added on : Saturday August 23rd 2014 11:00:33 PM
g: 0 Posted By: jdvb
Views: 37 Replies: 1 Hello all, I plan to buy a digital billboard and rent out ad space on said billboard.
I will be choosing a build location that is highly trafficked by both vehicles and pedestrians.
This location will be surrounded by businesses, and their owners, on all sides.
I expect my Target market (the people I sell ad space too, not foot traffic) will be a mix of business owners within viewing distance of the digital billboard. Also some larger businesses that are within a 30 minute drive of my digital billboard will be included in my list of targeted customers.

The going rate for an ad slot on a digital billboard in my area is between 2000-4000$ per 4 week period (Slightly less than 1 month).
I plan to have the digital billboard hold a maximum of 7 ad slots.
Each ad slot will present the advertisement for 8 seconds, then switch to the next ad slot in an infinite loop. Similar to any other digital billboard.
In my current area I have seen 2-3 digital billboards. Each billboard seems to have a minimum of 5 ad slots filled. Some have had 6-7 ad slots filled at one time. Most advertisements come from big businesses like local casinos and car dealerships.

The cost to buy, setup, and implement a digital billboard is less than 130,000$ - This is at a pixel density of 19mm. This estimate includes permits, construction, and supporting structure fees.
The cost of the digital billboard alone is about 76,000$, again at a pixel density of 19mm. - I have this from a price inquiry I made in the early months of 2014.
The costs to setup and implement a digital billboard are roughly 55,000$.This estimate includes permits, construction, and supporting structure fees.

The above financial information does NOT contain the cost of land that the billboard will be placed on. Please assume this cost to be waived.

The monthly operating cost of a single digital billboard is about 1,200$ for electricity and internet connectivity.

I expect to expand to as many digital billboards as possible, after about 3 digital billboards I plan to hire employees to manage the implementation of advertisements in ad slots. Employee pay will be roughly 60,000$ a year, a single employee will be tasked to manage and implement ads on 4 digital billboards at any given time. So a digital billboard may have an additional yearly management cost of 15,000$.

Now then am I missing something? Are there any glaring holes in this plan? - Minus my omission of land costs. | Does anyone here own a digital billboard or plain billboard?
Discussion Deals
g: 0 Posted By: robronson
Views: 108 Replies: 1 FWF is about maximizing value from your financial decisions. This is my first year doing real self-employed work as my full time thing with a 6-figure income. I've done a bunch of tax planning and am revisiting for the rest of the year now that my total 2014 income is easier to predict. I made several tracking estimation spreadsheets along the way and identified "bend points" whereby it would be extremely valuable to get a little bit extra of a business deduction, as well as other income threshholds where the additional business deduction was much less valuable.

For example, the Traditional IRA phaseout occurred for me at around $95k gross income. At that income point, when you factored in my YTD business expenses, 401k/HSA contributions, 1/2 of SE Tax deduction, etc, I was able to deduct a Traditional IRA from my income. There's a bit of a step to the phaseout, but for simplification of discussion, if my income were to stop at just above the $95k gross mark, I'd be heavily incentivized to waste, I mean spend money on "business things" that could push my AGI down.

Also in my case, at around $125k Gross Income, I reached the point where FICA was no longer required to be paid. Thus, as my income got to $130k+, it made less sense for me to waste money on business things (like a new computer I only kind of sort of want, rather than absolutely need) because ever dollar of income reduced beyond that point is 12 cents less of FICA deduction. Whereas when my gross income was in the $115k range, every marginal dollar spent on business stuff had an extra ~12 cent value, meaning everything was ~12% cheaper (out of pocket).

I'm currently in the "weird" place where I'm exceeded the FICA annual cap but haven't yet made it into the 28% tax bracket. Once the FICA cap was hit, the marginal benefit of each dollar of business expense dropped 12% and now I'm questioning whether I really want to waste money on the bunch of "legitimate" business expenses that I can section 179 like a new iPad and a new computer.

It seems to me that if possible, I should structure my work such that in alternating years, I keep my income below the FICA cap but above the 15% threshold and perhaps near the Traditional IRA deduction phaseout. That would provide the maximum value for business deductions. It would mean that I could only gross around $90k in that year, which means I've taken a lot of time off (4 to 6 months off). Maybe I try to get a 1.5 year gig, take 4 to 6 months off, and then rinse/repeat. That gives me alternating years where I can splurge on cool things like new iPads/iPhones (which I legitimately do use in my consulting work), and get maximum benefit from the business deduction.

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
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g: 0 Posted By: amhidogha
Views: 26 Replies: 0 Recd a letter from a collection agency for $140 for an ER visit in 11/2012. In my recollection, we had paid it off in 04/2013, so sent a certified letter disputing it and to validate. Recd a bill from them for same $150 charge on 11/2012 minus a $10 pmt (not made by us) on 03/21/14.

History below
ER visit in 11/2012.
11/2012 stmt had incorrect amt due. Called to ask what happened, they were missing some insurance info, gave insurance info again.
01/2013 stmt - showed correct co-pay of $150
02/2013 stmt had this balance and another charge (for a separate visit, that IMHO was expected to have been covered in full by insurance) for ~$78
03/2013 stmt - same as 02/2013 stmt
04/17/2013 stmt - yet another charge (for a separate visit, that also IMHO that was also expected to have been covered in full by insurance) for ~$72. 11/2012 charge not on stmt.
04/22/2013 - called and asked for a discount, was given 15% off, so paid $127.50 and thought the 11/2012 charge was now paid in full
05/2013 - no stmt - Since no stmt - assumed that the 2 other charges were settled by insurance and the 11/2012 once was paid off
05/2013 - recd a letter from collection agency for $150 - informed them about 04/22/2013 pmt
06/2013 - recd another letter from collection agency for $150 - ignored as pmt was supposed to have been paid in full, assumed delay from Hospital side to inform them.
No activity for 1+ year
07/2014 - recd a letter from a different collection agency for $140. Sent certifiedletter disputing it and to validate
07/2014 - recd a bill from them for same $150 charge on 11/2012 minus a $10 pmt on 03/21/14 that I had not made
08/2014 - Called ERs billing dept and was told that 11/2012 bill was already sent to collections in 03/2013 and hence did not appear on account and that $150 pmt (minus discnt) was applied to the other 2 accounts. Was never informed during 04/22/13 call that it was already sent off to collections and that the pmt was (incorrectly, in my opinion) made to the other 2 accounts (that should have been covered in full). They claim they have a 90 day policy to send to collections, though we never recd a letter to that effect or it was never mentioned on their monthly statements. They are unwilling to fix things and recall it from collections, if there is even such a thing.

Any suggestions on how best to proceed? Thanks.
BTW, this is a huge hospital/physician network that we always use and was also spouse's last (recent) employer.

TL, DR;
Recd letter for collection agency for old ER visit, pmt for it then was misapplied by Hospital to a different charge and hence shown unpaid. How to proceed? Thanks.
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Suing Robocallers
Added on : Tuesday August 19th 2014 08:00:10 AM
g: 0 Posted By: deeder
Views: 122 Replies: 5 Has anyone sued Robocallers and won? Verizon Wireless financial has been calling me nonstop when I am not the person they are looking for as I am not the account holder on file. I am an added user on another account and calls have been non stop.

i contacted multiple parties including local district attorney office state government and a private law firm and nothing has yet been resolved since I am still waiting on information. I have documented audio recordings as well.

I believe I could get legal penalties for civil for each call and it should add up to a substantial amount and I am also hoping for criminal prosecution but in order to resolve this, all related parties seem to not be doing anything as of yet.

Cease and desist order was given months ago. I am not sure if I will need to pursue this in NY or NJ courts since calls are coming from NJ and I am in NY.

I know of others who have pursued Robocallers and gotten claims paid so hopefully this will work out.

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g: 0 Posted By: SweetClover
Views: 95 Replies: 0 Get a FREE 24-Pack of Instant Noodles and Good Cook Noodle Makerstarting on August 18th at Noon PST/3PM EST! You can see a Time Zone Chart Here.You will need to "like" on Facebook.
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I do not know how many are being given away, this would be great for a college student, or to keep by your office desk.
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g: 0 Posted By: ctgolfer
Views: 131 Replies: 0 TheEF 75-300mm f/4-5.6 III LensfromCanonis a telephoto zoom lens ideal for day-to-day use because it is particularly light and compact, especially given its long focal reach. Able to magnify distant subjects, it also compresses the space between subjects within the frame and with a shallow depth of field at its longer lengths, it offers attractiveout of focus bokeh. Its minimum focus distance is 4.9', even at the telephoto end of its zoom.

Highlights:

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Lightweight and compact, weighs only 16.8 oz


Autofocus via front group extension system with DC micromotor


4.9' minimum focus distance throughout the zoom range


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g: 2 Posted By: remick
Views: 217 Replies: 0 12000 Word Scramble Puzzles to Improve Your IQ
http://www.amazon.com/dp/B00GL4IKUG/

SOLVING WORD SCRAMBLE PUZZLES IS ONE OF THE BEST WAYS TO MAINTAIN THE BRAIN IN TOP OPERATING CONDITIONS. THE LETTERS IN 12,000 WORDS ARE SCRAMBLED IN ABC ORDER. SOLUTIONS ARE GIVEN FOR ALL PUZZLES. Overall Benefits of Solving Word Puzzles
Improved Effective IQ
The title indicates that these Scramble puzzles are designed To Improve Your IQ. Intelligence Quotient IQ is a scientific assessment of your intelligence. Your IQ is determined by measuring your problem solving abilities, memory, general knowledge, and spatial imagery. The average God-given IQ of an adult is 150. It cannot be increased by medical science, because of the microbiology of the brain. It can, however, be improved. The average effective (day-to-day) IQ is only 100-110, mostly due to neglect lack of brain exercises. Therefore, if you exercise your brain, you can increase your effective IQ. Word puzzles, such as Scramble, provide the necessary mental activity.
Mental Exercise
Word puzzles help expand vocabulary, strengthen word recall, and improve memory. You do not realize while you are working puzzles that you are using thinking skills. Your brain learns new skills and acquires knowledge throughout your life. Mastering puzzle-solving skills improves your thinking.
Scramble puzzles will improve your focus and attention. When you are working on a puzzle, you need an environment that is relatively free of distractions. Puzzle solving is a solitary activity. The concentrated attention you must give to the solution of a Scramble is an excellent skill to develop which can help you in many areas of your life.
Deduction is an important critical thinking skill. Scramble puzzles provide you with an opportunity to learn organizational skill as you apply different solution methods. Practicing the process of elimination seeking and finding possible answers, also requires deduction.
Scramble puzzles provide you with an activity that is not only fun, but also mentally challenging. Your brain needs regular playtime to form new patterns and complex neural networks naturally. Your mind requires nurturing just like your body. After all, exercise is not just about jumping jacks and free-weights. Both your body and your mind need stimulation and exercise. Puzzles are great for mind maintenance and mental stimulation.




10000 Hard Spellrex Puzzles to Improve Your IQ [Kindle Edition]
http://www.amazon.com/dp/B00LJAYYES

As indicated on the cover, this book contains ten thousand hard Spellrex puzzles designed to improve your IQ. Spellrex puzzles are missing letter word games; there are blanks indicating the missing letters. The goal is to find the missing letter(s) and complete the word. Each page in this book contains 40 puzzles and can have from one to four solutions, depending on the level of difficulty. Puzzles are classified by level, from easy to expert. Answers are in reverse order at the bottom of each page.
How to Use This Book
This book of Spellrex puzzles was created with the objective of providing educators, students, and adults with puzzles to stimulate the mind and provide enjoyment. The puzzles are not hard: they do not need long, complicated directions with many examples. One of the benefits of Spellrex puzzles is their entertainment value. So try the methods for solving we have provided for you, or discover one of your own. Either way, the ten thousand puzzles provided are sure to give you days of challenging fun.
Whom Spellrex Puzzles Are For
Educators and Students
Spellrex puzzles can increase vocabulary and improve students spelling skills. There are always new words to learn as you stretch your mind finding the missing letters to fill in the blanks. Spellrex puzzles also strengthen word recall and improve memory.
Seniors
According to the Alzheimer's Association, . . . higher levels of education appear to be somewhat protected against Alzheimer's, possibly because brain cells and their connections are stronger." Spellrex puzzles can keep the brain alert and active.
Everyone
Whatever your age, education level, or ability, Spellrex puzzles can benefit you with their entertainment value and the ability to influence your IQ.



500 Word Snake Puzzles To Improve Your IQ
http://www.amazon.com/dp/B00KFU70IK

Welcome to the world of Word Snake puzzles! All puzzles are fun and entertaining, and this newly created puzzle idea is interesting and stimulating for all ages. Word Snake puzzles not only help you learn new words and definitions, they can improve your memory, increase your effective IQ, enhance your language skills, and exercise your minds muscles for long-term learning.
What is a Word Snake Puzzle?
A Word Snake puzzle is an overlapping words puzzle. Each puzzle is a string of 127 letters. The word overlap is from one to four letters. The objective is the find consecutive overlapping words by following the string from beginning to end. For example, in the string DEVOTIONICES, one finds the words DEVOTION, I, ION, ON, NICE, ICE, and ICES.
Why Do Word Puzzles?
Word puzzles help the mind.
The health benefits of word and logic puzzles can prove worthwhile. Your brain needs regular playtime to form new patterns and complex neural networks naturally. Word puzzles require brain exertion (exercise). Therefore, word puzzles improve memory and encourage better brain function. This can lead to more brainpower, increased skill, and improved concentration and memory.
Scientists have found that the brain actually reorganizes itself in response to new challenges, and a word puzzle provides a challenge. In addition, word puzzles are good for your minds cognitive (thinking and memory) development.
Word puzzles teach problem-solving skills.
Playing puzzles affects the thinking side of your brain, which forces you to solve problems logically. The skill of effective problem solving is a valuable and important one. A puzzle cannot be completed by cheating! An answer is either right or wrong. Therefore, word puzzles teach you to use your own mind to figure out how to think in a logical way to solve problems.
Word puzzles teach perseverance.
Word puzzles can be challenging, requiring practice makes perfect mentality with repeated attempts at solution. The persistence required to continue attempting a challenging puzzle after repeated failures is a great lesson. In addition, once you see how to complete the puzzle very quickly, you still need to practice. Practice is necessary to master the way chosen to solve the puzzle. This teaches you to focus.
Word puzzles teach critical thinking skills.
Working word puzzles requires an alert mind. Word puzzles promote thinking and stimulate the brain. They encourage the mind to exercise and sharpen cognitive skills.
Deduction is an important critical thinking skill. The puzzles in this book are perfect for learning organizational skills and practicing the process of elimination. Answers need to be sought and found. Thus, you must focus to deduce answers.
Working independently on a puzzle helps develop a sense of responsibility. As you work word puzzles, you will often develop a strategy to work each puzzle faster and more efficiently. This helps you learn to achieve small goals as a means toward a larger goal. Building an individual learning strategy helps you reach conclusions, an important critical thinking skill.



Lapple Puzzle Book #1: 1000 Overlapping Words Puzzles (LAPPLE IQ PUZZLES)
http://www.amazon.com/dp/B00FKR7PXI

HAVE INFINITE FUN WITH SOLVING LAPPLE PUZZLES & PUT YOUR BRAIN IN TOP OPERATING CONDITION! SOLUTIONS ARE PROVIDED FOR EACH PUZZLE.
Welcome to the world of lapple puzzles! All puzzles are fun and entertaining, and this newly created puzzle idea is interesting and stimulating for all ages. Lapple puzzles not only help you learn new words and definitions, they can improve your memory, increase your effective IQ, enhance your language skills, and exercise your minds muscles for long-term learning.
What is a Lapple Puzzle?
A lapple puzzle is an overLAPPing words puzzle. Each puzzle is a string of 127 letters. The word overlap is from one to four letters. The objective is the find consecutive overlapping words by following the string from beginning to end. For example, in the string DEVOTIONICES, one finds the words DEVOTION, I, ION, ON, NICE, ICE, and ICES.
Why Do Word Puzzles?
1. Word puzzles help the mind.
The health benefits of word and logic puzzles can prove worthwhile. Your brain needs regular playtime to form new patterns and complex neural networks naturally. Word puzzles require brain exertion (exercise). Therefore, word puzzles improve memory and encourage better brain function. This can lead to more brainpower, increased skill, and improved concentration and memory.
Scientists have found that the brain actually reorganizes itself in response to new challenges, and a word puzzle provides a challenge. In addition, word puzzles are good for your minds cognitive (thinking and memory) development.
2. Word puzzles teach problem-solving skills.
Playing puzzles affects the thinking side of your brain, which forces you to solve problems logically. The skill of effective problem solving is a valuable and important one. A puzzle cannot be completed by cheating! An answer is either right or wrong. Therefore, word puzzles teach you to use your own mind to figure out how to think in a logical way to solve problems.
3. Word puzzles teach perseverance.
Word puzzles can be challenging, requiring practice makes perfect mentality with repeated attempts at solution. The persistence required to continue attempting a challenging puzzle after repeated failures is a great lesson. In addition, once you see how to complete the puzzle very quickly, you still need to practice. Practice is necessary to master the way chosen to solve the puzzle. This teaches you to focus.
4. Word puzzles teach critical thinking skills.
Working word puzzles requires an alert mind. Word puzzles promote thinking and stimulate the brain. They encourage the mind to exercise and sharpen cognitive skills.
Deduction is an important critical thinking skill. The puzzles in this book are perfect for learning organizational skills and practicing the process of elimination. Answers need to be sought and found. Thus, you must focus to deduce answers.
Working independently on a puzzle helps develop a sense of responsibility. As you work word puzzles, you will often develop a strategy to work each puzzle faster and more efficiently. This helps you learn to achieve small goals as a means toward a larger goal. Building an individual learning strategy helps you reach conclusions, an important critical thinking skill.
5. Word puzzles build self-confidence.
Solving puzzles teaches the ability to overcome problems. A puzzle solver usually gets frustrated at first when they try to solve puzzles, but that feeling lessens as they solve more and more puzzles. When you finally solve a puzzle, you experience a sense of accomplishment.
Once you successfully complete a puzzle, you will most likely be happy to try another one. Then, the more you complete word puzzles, the more you will be able to do so quickly. If you have fun and success in word games, you will feel more secure and comfortable, and thus more self-confident.
The lapple puzzles in this book teach the importance of how to work through difficulties and cope with impatience or anxiety.



Puzzles for Alzheimer's Patients
http://www.amazon.com/dp/B00KKUUYII/

PUZZLES FOR ALZHEIMER'S PATIENTS IS FROM GRADE 2 ON TO ANY AGE PERSON IN NEED OF LIGHT PUZZLES FOR BRAIN IMPROVEMENT AND MAINTENANCE. THE DIAGONAL WORD SQUARE PUZZLE HAS A WORD IN EACH ROW AND ON THE DIAGONAL WITH SOME LETTERS REMOVED IN A RANDOM FASHION. THE OBJECTIVE IS TO COMPLETE THE SQUARE. SOME PUZZLES MAY HAVE MORE THAN ONE SOLUTION.
THE FOLLOWING PUZZLE TYPES ARE IN THIS BOOK:
3x3 DIAGONAL WORD SQUARE PUZZLES
4x4 DIAGONAL WORD SQUARE PUZZLES
5x5 DIAGONAL WORD SQUARE PUZZLES
THERE ARE 760 PUZZLES IN THE BOOK ALTOGETHER PROVIDING ENDLESS FUN.



BASEBALL TRIVIA
http://www.amazon.com/dp/B00DIOQC7A

Do you know which catcher has the highest batting average in a season? Or which rookie holds the record for the most strikeouts in a season?
This challenging trivia book will give you and your friends hours of fun! Break it out the next time your know-it-all buddy starts bragging about how he knows everything there is to know about baseball.



SPORTS TRIVIA (Sorta-Easy Edition)
http://www.amazon.com/dp/B00EZAYBVU/

Who is the only NBA player to average more than 50 points per game in a season?
Which football team won the first 2 Super Bowl games, in 1967 and 1968?
Which racehorse won the 1973 Belmont Stakes by an astonishing 31 lengths?
These are just 3 of the 201 challenging questions that will give hours of entertainment to you or the football fan in your life. This is the 9th book in the Todd Brock Trivia series... please check the other books out as well!



Popular Songs Word Search 150 Puzzles: Book 7
http://www.amazon.com/dp/B00MNU5VD6

This book contains 17x17 popular songs word search puzzles designed to improve your intelligence quotient (IQ). Songs performed by Elvis Presley, Frank Sinatra, The Beatles, Dolly Parton, Madonna, The Beach Boys and many more artists & bands. You cannot change your IQ; it is a measure of the intelligence you already have. However, the IQ you use on a daily basis your effective IQ can be increased. Doing so can help you be more successful in your personal relationships, as it increases your ability to solve and overcome problems. Additionally, you will find that as you increase your effective IQ, you can become more successful on your job as you strive to gain professional success. Each music themed puzzle has 20 titles for search. The puzzles are hard in difficulty.
This book contains 150 word search puzzles, with one puzzle on each page. The method for solving each puzzle should be familiar to you if you have worked word search puzzles before. However, the format is unique. Each puzzle has 20 words listed in a table. The word search puzzle is above the list of words in a box of letter squares seventeen letters by seventeen letters. The solutions can be found vertically, horizontally, or diagonally, either forward or in reverse order.
How to Solve Word Search Puzzles
In order to achieve success at any task, one needs to know the best way to accomplish the goal of that task. With word search puzzle solving, the goal, of course, is to solve the puzzle. To do so, there are a number of methods one can use. They are as follows:
Take a Quick Look
Glance at the puzzle and mark the ones you see immediately first.
Develop a Strategy
As you work your word search puzzle, a strategy will help you to work faster and more efficiently
1) Check beginning letters.
One successful strategy is to look for the beginning letter of the word for which you are searching. Then look at the box immediately to the left and right, above and below, and in both diagonal directions for the remaining letters. At this point, you should see the complete word.
2) Work each row in one direction.
For example, work all the rows across first. Then choose another direction, maybe backwards across. Continue until the puzzle is completed.
3) Work the list.
Some word search puzzle solvers simply work down the list, looking for each word. Of course, you want to go ahead and mark any other words you see.
Work in sections.
Whichever method of solution you choose, work your word search puzzle in sections. You dont want to repeatedly do the same area of your puzzle.
Take a break.
If you get stuck, stop and come back to the puzzle later.
Work cooperatively.
You can work a puzzle as a cooperative effort. Working with someone else can be fun and make puzzle solving easier.



HOW TO STRATEGIZE FOR GAMES: game play, play game, play games, games play, games download, games to download, play games
http://www.amazon.com/dp/B00MMNGPAC/

Strategy games, do you play them, or are you an avid fan, well this book is for you. You will learn about the strategy game basics and quick glimpse in the wonderful world of strategy game. Educate yourself about campaigns and what every strategy game player should know. Educate yourself about campaigns and what every player should know. Campaign aspects and what characterize one, discover them in this book. Tutorials, do you know how to use them. Well read on, and learn how they will help you to have the best strategy game experience. Know the resources and how to use them to your advantage. Patterns will also be explored in this book as well as the consequences involved. Colonies and objectives is another aspect that will make the game experience better. Find out why objectives and colonies vary for every strategy game. Minions, wonder what that is, you definitely will find out by turning the page and learn about their role in strategy game. Need to know the spice and thrill in every strategy game, well read on. Minions, combats and forces work together learn how. Ever been a hero in a strategy game, no! Discover how and what it takes to be one. This book is a must read for all strategy games lovers.
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Dispute with Auto Dealer - Advice Needed
Added on : Thursday August 14th 2014 09:00:08 AM
g: 0 Posted By: cak144
Views: 38 Replies: 2 I have a dispute with an auto dealer over a pricing issue. The dealer is located 150 miles from me. Here is a condensed version of what transpired. They had a demo car advertised on their website for a certain price. I spoke over the phone to a salesman and told him that I wanted to purchase that specific vehicle. I told him that I lived 150 miles away and would be coming to pick up the vehicle the next day around 3 pm. He said that the vehicle would be waiting and ready for me at that time. Nothing was mentioned about selling the vehicle at anything other than the advertised price. I arrived at the dealership around 3 pm, met the salesman, and waited at his desk while he went back to the general manager's office where I saw him and 2 other men talking. After waiting at the salesman's desk for 20 minutes or so, I went back and asked if there were any problems. A gentleman came up to me, introduced himself as the general manager, and said that they were checking to make sure that all the rebates were compatible but that everything checked out. The salesman and the second gentleman came out shortly thereafter and started writing down some figures, coming up with a final price that was $1,000 higher than advertised on the website. I had a printout of the price on the website and showed it to him. He said that the vehicle in question had 2,010 miles on it for which General Motors would give the dealer an allowance of $500 but that the additional $1,000 would only be given once the vehicle reached 5,000 miles. I won't go into all the gory details of what transpired between myself and this gentleman and later the general manager, but it got a little heated. They never once said that this was a price mistake, only that they couldn't sell it at the advertised price because it didn't have 5,000 miles. In fact, in response to my question about why they advertised it for a lower price than they intended to sell it for, the general manager said, "because if we did, we wouldn't get anybody to come into our dealership". I went ahead and purchased the vehicle anyway because I had driven 150 miles and it was still slightly less than I could purchase it for locally - plus I intended to contest the issue with General Motors, etc once I got home.

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

I tried to make this as condensed as possible but it was hard to lay out all the pertinent information in fewer words. Any advice on this or a different course of action would be appreciated.
g: 1 Posted By: remick
Views: 175 Replies: 0 The TI-Nspire for Beginners (TI-Nspire (TM) Tutorials: Getting Started With the TI-Nspire Graphing Calculator Book 1)
http://www.amazon.com/gp/product/B008GOXBDK

At a breakneck pace, students, teachers, and schools around the world are adopting the TI-Nspire as their graphing calculator of choice. However, with the popular TI-83 series dominating math classrooms around the world for over a decade, many students and teachers are still scrambling to figure out how to use the powerful new TI-Nspire.

This brief TI-Nspire tutorial book is a simple way to get started on the TI-Nspire graphing calculator. Whether you are a high school student who's never picked up a graphing calculator or a teacher looking to get current with the latest technology, you'll find numerous tutorials in this book to get you started. Button press sequences and dozens of screen captures will help guide you through the process of learning to use the TI-Nspire.

Since this book is full of tutorials for beginners, the focus is on the basics of the TI-Nspire. Whether your Target mathematics level is Algebra I, Calculus, or anywhere in between, you'll find that these tutorials will help you achieve a comfort level with the Nspire. While numerous features of the Nspire are touched on, the focus in this volume is on basic navigation and settings of the Nspire, calculator features, and graphing features. Examples are explained for every type of window, including spreadsheets and data and statistics.

Regardless of what version of the TI-Nspire you own, CAS or non-CAS, clickpad, touchpad, or the TI-Nspire CX, you will find that the TI-Nspire tutorials are aligned to your calculator. The second edition of these TI-Nspire tutorials are written for TI-Nspire OS 3.9, the latest version of the operating system released in June 2014. If you have an older version of the operating system on your TI-Nspire, you will find directions in the book on where to turn to update your calculator at no additional cost. Any version of the TI-Nspire is capable of running the latest OS 3.2, whether you have the original grayscale TI-Nspire clickpad or the latest full color TI-Nspire CX.

Lucas Allen has taught in the public high schools of Illinois for over 10 years. In recent years, he has focused much of his effort into learning and teaching with the TI-Nspire. As the Coach of the Morton High School math team, his coaching strategies with the TI-Nspire CAS have resulted in numerous trophies at the state finals, including the 2012 Illinois math team state championship. He blogs about math education technologies, including the TI-Nspire, at http://www.techpoweredmath.com



TI-84 Plus Tutorials
http://www.amazon.com/gp/product/B00E4EARHE/

Never has there been a family of graphing calculators that has dominated the math education landscape the way the TI-84 Plus family has. Throughout the early 2000's, it has been the single most popular graphing calculator in math classrooms around the world. It's easy to understand why. It's powerful, recommended by teachers, and accepted on virtually every standardized test that allows graphing calculators.

As the 2013-14 school year begins, the all new TI-84 Plus C Silver Edition brings a high resolution, full color, backlit display to an already wildly popular device, making it sure to be the hit new calculator for this upcoming school year. This new feature allows students to graph each function in a different color, graph on photographs, and more.

In Lucas Allen's new book, TI-84 Plus Tutorials, he breaks down the TI-84 Plus family in a non-intimidating way, setting beginning users up for success on the TI-84 Plus in their math classes. Step by step directions are given with detailed explanations of button presses and lots of screen captures so readers can follow along. There is no assumption that the user has ever used a graphing calculator before, whether they are a student or a teacher. The book is a comfortable reading length, designed so that you can go through it with your calculator in just a couple of hours and feel confident about getting started with your TI-84 Plus in class this year, whether you have a classic black and white TI-84 Plus or a TI-84 Plus C color.

Among the many features covered in depth are how to use fractions, change modes, perform trigonometric calculations, numerous graphing features, how to use tables, perform basic statistics calculations, use apps, solve equations, polar equations, parametric equations, calculus features, and much, much more.

Lucas Allen is high school math teacher in a small town in downstate Illinois. He's also the Coach of his school's highly successful math team, a team which won the 2012 Illinois math team state championship over some of Chicago's most elite private schools.



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Question about how the ACH system works, timing wise
Added on : Wednesday August 13th 2014 07:00:11 AM
g: 0 Posted By: swampwiz
Views: 24 Replies: 0 Here is my situation. I have my homeowner's insurance paid by checking account autopay, but I wanted to pay that by credit card this month so as to keep my checking account as lean as possible. But as it turned out, the damn insurer did the autopay anyway. Alright, so I got the insurer to do an autopay reversal (today on Wednesday) and of course I was given the boilerplate "3-5 business days" for the money to get back to my checking account.

I inquired as to when the insurer would put in the request to the Federal Reserve ACH clearinghouse, and was told that it would happen on Thursday, which I presume to be the overnight Thursday night. It seems to me that the Federal Reserve does the transfer right then in the overnight, with the transfer being received by the receiving back the next morning (here, Friday). The insurer representative also said that an ACH reversal is different from a regular ACH transfer or payment; this sounds like a load of BS to me.

Of course, there is also the issue that just about all banks (including mine) tack on a 3 day waiting period - I suppose, just because the law allows them. (It seems that in this situation, my bank will give me relief of these 3 days.) What is the deal with this 3 day period/ What is the reason for this?

And before some smarta33 tells me I should be keeping my wallet fat enough so something like this would not be a problem, the reason I am in this situation is because of the peculiarities of my situation involving chained Roth IRA rollovers, and admittedly misjudging the amount of slack I needed.
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g: 0 Posted By: jkotharibot
Views: 72 Replies: 0 All fellow FW'ers.
I need advice on my recent experience and how to proceed or what do you think. Please be kind - Here is what happened:

1. I call them to book an urgent ticket - My dad passed away. (Prior to calling them - i called delta directly and got a price, but since I might need internal tickets to the country of travel (india), i thought of using them).
2. Agent starts with a price range(~$1600 range), while trying to book me a confirmed seat after 1 hrs of hold and wait - he comes with $3000 price tkt. I ask for bereavement fare / or something such that there is no change fee (delta was giving me this option).
3. I ask him to cancel it and suggest i am getting confirmed on delta for ~1800 range. He puts me on hold - after sometime - tells me - he is on phone with delta agent and all seats are full and not available. Gives me BS about - i should not worry abt money and get confirmed seats and i should make decision now - as the current airline is on hold and will confirm asap.
4. I confirm and pay them (he has price little north of $6k for 2 adults tkts+infant) - but then throws me a discount and charges me $6k round number.
5. Flight was for later in the night. (i called at 4 in morning PST).
6. During the day, my baby is not feeling well. I call to change the tkt by 1 day. Agents are not responding or putting me on long wait. After a long time, when i do get them and after long discussion, they say "i will be charged $2500 as cancellation fee" and after buying the new tkts - i still owe them $500 more.
7. I am given reason that airline is charging them cancellation fee. I ask if I can talk to airline and leave a note in system.
8. I call airline and explain the situation for change. They say " you tkts are flexi-fare (singapore airline) you can change as many time as you want - we dont charge". I ask agent to put note in system about this. I also find out - agent used some promo code- such that return tkt was free and they only paid for oneway, while booking. (I believe that to be the reason for such steep cancellation fee). I ask singapore agent - if they can credit money to me directly. They could not as it was booked by agent. I asked if they can credit the agent everything they way it was booked. They said yes - if agent calls.
9. I call MMYT again. Trying to talk to manager and explained the scenario. - She says best we can do is - $2500 change fee and whatever extra for the new ticket. I tell about my discussion with singapore air - she was like - doesnt matter - its within 24 hrs and we will charge you. (I was told its for inconvenience to them - "really??"). I remind her, that i had asked for bereavement fare booking - i should not be charged. No change in offer or attitude. I asked, if I could get credit for the amount - I will book myself for the new flight, since airline is not charging them and is willing to credit them the way they booked. I was told - NO.
10. So I end up booking next day flight and paying extra $500. I was not provided new invoice with details about change fee (cancellation fee or whatever they dubbed it as) - or new tkt price. Just one line Total fare is $6000 (previously paid)+$500.
11. In the meantime I had called delta 3-4 times - and was still able to get a confirmed seats with them for ~$1800 (increased during last call at 9pm) and agent said - we have lots of open seats - probably plane will fly not full. (I felt I was cheated during the first call where agent said he is on phone with delta and they dont have seats) and since they didnt want to credit back the money (when airline was ready to).
11. They book us in 2 different PNR's, as a result - we dont get seats together the whole trip (back and forth), no bassinet or meals (as requested).
12. On my way back - I logged into the airline (for mileage purpose) - and saw the invoice price for our tkts (which is now removed - once I escalated the issue for charging me change fee - not anywhere in there website). They had booked tkts for $704 per adult.
13. I sent numerous email all the time asking for invoice and price and in writting about $2500 change fee. What i was told - I didnt get in writting.
14. When I return back to US. I file dispute with Amex, on above grounds. During my followup - amex said - they agreed to credit and we are waiting to receive once we receive we will close the case. But when the resolution came - I was denied stating "merchant sent proof of my booking and travel". Here merchant shows $500 as cancellation fee.
15. I called and explain Amex again - my dispute is not tkt - its being lied about seat/price availability, poor service, charging me change fee (which is not listed as this big amount) and not giving me invoice, and overcharging (i provided amex proof of $704 paid for tkt). Agent opens case again.
16. Very next hrs - I receive email - amex made a decision - again closed and sided with merchant. I call and get this "Merchant responded saying - they will re-bill if amex favors client", so amex agreed to there side.
17. After convincing the amex agent again - I tell her that I am not happy with resolution. we agree to open the case again - but for partial amount. Basically change fee what i was told and actually charged. and fare diff (to delta at available time).

What I want to understand is: if the last dispute again comes in merchant favor, what are my options. Am I unreasonable to ask for fair pricing and not be charged such hugh change fee (which they are giving in writing as lower amount)? I had asked amex to ask them for call records to know, they lied on phone. What are my options.
They used the emotional status I was in to their benefit at max. I dont want them to walk away with this.

Thanks for all your responses in advance. Please stick to the topic, i really need advice.


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The author presents this volume I of chemistry a teaching guide for instructors and students. This book gives first time students of chemistry a useful and compelling introduction to chemistry. To this end, this text book retains qualities that will be familiar to long time users.
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g: 0 Posted By: remick
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Length: 855 pages

The author presents this volume I of chemistry a teaching guide for instructors and students. This book gives first time students of chemistry a useful and compelling introduction to chemistry. To this end, this text book retains qualities that will be familiar to long time users.
The overall goal of this text book is to produce a book that introduces the students to the relevance and excitement of chemistry. This text book addresses the increasing close relationship among various disciplines and shows the relevance of chemistry to contemporary issues in a pedagogically approachable manner. This text book provides a format that allows the instructor to tailor the emphasis to the needs of the class. Step-by-step instructions and plenty of examples are given. This text book, in addition to chemistry majors, discusses exciting and relevant aspects of biological, environmental, and materials science in order to accommodate the needs of first-year chemistry students aspiring for biologically and medically relevant topics.
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Added on : Tuesday August 12th 2014 02:00:04 AM
g: 0 Posted By: remick
Views: 201 Replies: 0 http://www.amazon.com/gp/product/B00HTWJ2OM

Length: 855 pages

The author presents this volume I of chemistry a teaching guide for instructors and students. This book gives first time students of chemistry a useful and compelling introduction to chemistry. To this end, this text book retains qualities that will be familiar to long time users.
The overall goal of this text book is to produce a book that introduces the students to the relevance and excitement of chemistry. This text book addresses the increasing close relationship among various disciplines and shows the relevance of chemistry to contemporary issues in a pedagogically approachable manner. This text book provides a format that allows the instructor to tailor the emphasis to the needs of the class. Step-by-step instructions and plenty of examples are given. This text book, in addition to chemistry majors, discusses exciting and relevant aspects of biological, environmental, and materials science in order to accommodate the needs of first-year chemistry students aspiring for biologically and medically relevant topics.
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As indicated on the cover, this book contains seventy-five hundred easy - short, grade school level - Scramblex puzzles. Medium & hard Scramblex puzzle books are also available. Scramblex puzzles are unscrambling word games. All the letters in a word are given, but out of order in ABC sorting. The goal is to unscramble the letters and find the hidden word. Each Scramblex in this book contains five to ten letters. There are twenty puzzles on each page with the answers in reverse order at the bottom of the page.
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Your mind searches for patterns. When you encounter a Scramblex puzzle, your mind immediately begins trying to arrange the letters into familiar words. Remember to practice combination letter sounds to solve the words; this is faster than writing out the letters.



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g: 4 Posted By: johnny98
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Car rear-ended, most likely totaled-Need advice
Added on : Wednesday August 06th 2014 01:00:12 PM
g: 0 Posted By: ShakuniMama
Views: 172 Replies: 1 I was in an accident last week where our car (Honda Accord 2002) was hit from behind while slowing down for red light on a city road.
I managed to steer my car to the sidewalk and managed to avoid hitting the car in front.
The driver of the car behind me hit our car so hard that it is most likely being totaled.
Air bags did not employ and seat belts did not tighten so both of us were thrown forward with the impact but did not hit the dashboard.
Hewas probably texting as the only explanation I could think of as to why he accelerated instead of applying brakes.

Police was called and I was taken to ER due to back & neck pain and was sent home on painkillers after some tests.
DW also had back pain and was taken to ER later in the day and was also sent home on painkillers after some tests.

Insurance information was exchanged and police also took both driver's information but did not give any reports (Guess I have to pay & apply for the report).
I reported the accident to my insurance,they took my recorded statementand our car was towed to our place. Later I uploaded the pictures at the scene of accident to our car insurance website.
Next day, I called the other driver's insurance and they took my recordedstatement.(by this time the other driver have already given his statement/pictures to his insurance).
They mentioned that most likely the car is totaled and it might need to be towed to their place for appraisal.
My car had about 72000 miles on it and was very well maintainedand probably still had another 10 years in it.I regularly receive offers from Honda dealer for about $5000 but it looks like the Kelly BB value is only $3500.

I had "full" insurance on this car for 11 years till about two months ago when I took some advice from this thread and dropped collision coverage, PIP to $5000 and converted full tort to limited tort.
Meanwhile, my insurance has sent me tons of paperwork to fill out regarding PIP which I don't understand.
This includes various forms including Medicare/Medicaid status inquiry form, wages & salary verification and attending doctor report etc.

I need advice aboutfuturecourse of action so as not to get screwed in future by insurance companies etc.
Also, how much "cash value" can I get for this car?

Thank you for reading.
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It's no secret that men and women are different. And it's no secret that they don't always get along because of these differences, even when they love each other. But having a successful marriage is not about finding the perfect person to marry. It's about loving someone in an unselfish, Christlike manner. Whatever we want out of marriage--unconditional love, forgiveness, passion--that is what we have to give to our spouse. Rick Johnson shows couples how to go beyond merely tolerating each other's differences to using those God-given differences to add spice and passion to their relationship.


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g: 0 Posted By: wannabuyhome
Views: 75 Replies: 3 I was given stock options at work today, but wasn't given a ton of information on them. Can anybody on FW give me me any advise on what they actually do?

If I was given 500 shares at $10.00 buying price do I only get what is exercised above that $10.00 i.e. I sell 100 shares when it gets to 15.00 do I get $500 or $1500? Just a little confused.
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As reported in today's NYPOST...
Added on : Sunday August 03rd 2014 11:00:06 PM
g: 0 Posted By: DSJ
Views: 11 Replies: 0 A hotel in tony Hudson, NY, has found a novel way to keepnegative reviews off Yelp and other sites fine any grousing guests.TheUnion Street Guest House,near Catskills estates built by the Vanderbilts and Rockefellers, charges couples who book weddings at the venue $500 for every bad review posted online by their guests.Please know that despite the fact that wedding couples love Hudson and our inn, your friends and families may not, reads an online policy. If you have booked the inn for a wedding or other type of event . . . and given us a deposit of any kind . . . there will be a $500 fine that will be deducted from your deposit for every negative review . . . placed on any internet site by anyone in your party.If you take down the nasty review, youll get your money back.For any bad reviews that do make it online, the innkeepers aggressively post mean spirited nonsense, and she made all of this up.In response to a review complaining of rude treatment over a bucket of ice, the proprietors shot back: I know you guys wanted to hang out and get drunk for 2 days and that is fine. I was really really sorry that you showed up in the summer when it was 105 degrees . . . I was so so so sorry that our ice maker and fridge were not working and not accessible.+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

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

Some specifics about my financial situation:

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

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

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

Edit: A few more details:

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

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

I have no idea what kind of benefits I would be entitled to through SSA/SSI. Does anyone know how I can figure that out?
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g: 0 Posted By: MoogLiberation
Views: 127 Replies: 6 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

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

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

I'd be grateful for any and all ideas. Thanks guys.
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Free Kindle Book- Mary Magdalene: A Novel (was $14.99)
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g: 0 Posted By: remick
Views: 232 Replies: 0 http://www.amazon.com/dp/B0073UPQMM/

4.6 out of 5 stars (117 customer reviews)

Long maligned as a prostitute or a woman of questionable reputation, Mary Magdalene's murky story seems lost to the sands of time. Now a portrait of this enigmatic woman comes to life in the hands of an imaginative master storyteller. Diana Wallis Taylor's Mary is a woman devastated by circumstances beyond her control and plagued with terrifying dreams--until she has a life-changing confrontation with the Savior.

Lovers of historical and biblical fiction will find this creative telling of Mary's story utterly original and respectful as it opens their eyes to the redeeming work of Christ in the lives of those who follow him.



also free

Unmending the Veil
http://www.amazon.com/dp/B00E80O1CQ/
4.9 out of 5 stars See all reviews (81 customer reviews)

Unmending the Veil implies that somehow the torn Temple veil has been mended. Stitch by stitch, Robin has closed her heart off to God. Years have passed since a nearly fatal attack by her husband, and still, she is paralyzed by fear and grief.
When faced with the command to forgive all things, will Robin be able to forgive the man who nearly killed her, forgive God for taking what mattered most, and forgive herself for her own attempt at murder?


Michal's Window (A Novel: King David's First Wife)
http://www.amazon.com/dp/B007CVT9F2/
4.1 out of 5 stars (115 customer reviews)

A novel of betrayal, forbidden love, and redemption, Michals Window is an imaginative retelling of King David's story through the eyes of the woman who loved him first.


Preacher's Daughter, The (Annie's People Book #1) (Annie's People)
http://www.amazon.com/dp/B00B5J4TZM/
4.5 out of 5 stars (82 customer reviews)

Annie's People Book 1- A new series from The New York Times bestselling author of the ABRAM'S DAUGHTERS series! The Preacher's Daughter begins a remarkable journey of heartache and homespun delight--a series readers will find impossible to forget. Paradise, Pennsylvania, is likened to a little slice of heaven on earth...but for Annie Zook--the preacher's eldest daughter--it seems like a dead-end street. She is expected to join the Amish church, but at 20 she is "still deciding." Because of the strict rules that guide the Plain community, she must continually squelch her artistic passion, although it has become her solace. In her signature style, with character depth and unexpected plot twists, beloved novelist Beverly Lewis once again opens the door to the world of the Amish.


Night Before Dawn (Dawn Series -Book 1)
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4.9 out of 5 stars (41 customer reviews)

Night Before Dawn is an inspiring novel about a young womans struggle to find peace in the center of tragedy, new life in the midst of loss, and forgiveness in the heart of betrayal

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Free Christian Audio Book: Anna and the King
Added on : Friday August 01st 2014 05:00:08 AM
g: 0 Posted By: remick
Views: 151 Replies: 0 http://christianaudio.com/free/

Anna and the King written by Margaret Landon is the free audiobook of the month for August. This poignant story of Anna Leonowens and the King of Siam has captured the fancy of millions worldwide through not only the book, but the play The King and I. Wonderfully narrated by Anne Flosnik and nominated for a prestigious Audie Award in 2013, it is certainly one of the most entertaining audiobooks we have given away.

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

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Best Buy Coupons
g: 0 Posted By: tedhawkins
Views: 216 Replies: 0 EMS.com Rewards Members Get $25 off a purchase of $100+ with code 25BUCKS (Free to enroll)

http://www.ems.com

http://emsoutdoors.com/ems-rewards/

*Use of this discount will automatically enroll non-members into the EMS Rewards program.

Offer valid thru 8/3/14 with EMS Rewards Membership. Discount applied with a purchase of $100 or more after all discounts and coupons are applied, not including taxes, shipping and handling or purchase of a gift card or gift certificate. One coupon may be applied to one merchandise purchase per customer.

Not valid on GPS-enabled devices, electronics or action cameras; 2014 bikes, kayaks, or stand up paddleboards; or taxes, shipping and handling, purchase of a gift card or online gift certificate, repurchase of returned merchandise, or product rentals.

The manufacturer exclusions apply.

Coupons are not redeemable for cash, and no cash will be given back. Coupons are not redeemable by Eastern Mountain Sports employees. Not valid with other coupons or Gear Bucks Cards.

To use online, enter 25BUCKS during checkout when prompted for promotional code.

Use of coupon at ems.com auto-enrolls customer into EMS Rewards program if not already a member.
Sports & Outdoors Deals

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NomadList the best cities to live and work remotely
Added on : Wednesday July 30th 2014 06:00:09 AM
g: 0 Posted By: eddierd
Views: 68 Replies: 0 NomadScoreTM is based on all of a city's attributes, with priority given to cost of living, internet speed, weather and level of safety. NomadCostTM is based on staying in a hostel, hotel or apartment in the center, working in a coworking space
List: http://nomadlist.io/
Discussion Deals
Predator Bundle [Blu-ray] (2014) $19.99 @ Amazon
Added on : Tuesday July 29th 2014 09:00:04 PM
g: 0 Posted By: ctgolfer
Views: 84 Replies: 0 This bundle features the Predator hexology all on stunning, high-definition Blu-ray. Now you can own them all at a compelling, every-day price.

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

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

108 minutes
1 disc

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

108 minutes
1 disc

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

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

105 minutes
2 discs

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

Also includes the unrated cut on Blu-ray.

101 minutes
1 disc

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

94 minutes
1 disc

www.amazon.com/dp/B00JMXWQ1M/
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Learning How to Save, Retire and Manage Personal Finance
Added on : Tuesday July 29th 2014 10:00:11 AM
g: 0 Posted By: droctagon
Views: 125 Replies: 4 Hi all! I love this forum and try to visit it often as there seems to be a good pool of knowledgeable users. I've posted a few topics here and have received some great advice, a lot of which I did not take. I was recently looking at my 401k balances and really don't understand what is best for me or what it even means. This is what I know:
26.29% POST-86 SIP $23,928.47 $23,928.47 100% 20.29% EMPLOYER NONMATCHING CON $18,467.86 $18,467.86 100% 20.25% EMPLOYER MATCH $18,432.93 $18,432.93 100% 19.01% ROTH 401K $17,305.90 $17,305.90 100% 14.17% 401K $12,895.22 $12,895.22 100%
With a total 401k balance of $91,030.38. A little background on my other finances:

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

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

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

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

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

Personal Finance Deals
Request for long term financial guidance for my retiring mother
Added on : Monday July 28th 2014 02:00:10 PM
g: 0 Posted By: Dell4600
Views: 46 Replies: 0 Hi guys, yet another post where one of us bares all (or bares enough to ask the question) and asks for financial guidance and advice.
My mother called me this weekend to lay out her current situation, asked if I was 'good at investing' and could help her. Well given that my portfolio is down about $14,000 in the last five days I can definitively say I'm not good at investing, but as a long term member of this board I know quite a few people that are

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

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

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

-=-

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

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

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

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

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

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

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

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

Thanks much,
Dell4600
g: 0 Posted By: ctgolfer
Views: 161 Replies: 0 shipping adds $5

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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


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Sale: $32.99 - $34.99


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Mesh upper with synthetic leather and synthetic nubuck overlays.
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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
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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...
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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.
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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.
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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?
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Views: 66 Replies: 0 Includes:
The Wizard of Oz (1939), MPAA Rating: G

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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.
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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

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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

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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

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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...
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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
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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.

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

Credit given to msgodec's threadpost.

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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.

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

TaylorMade Burner Plus Irons
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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

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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

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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.

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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.
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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
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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
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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.
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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.

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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
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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.
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or pick up one in the store
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g: -1 Posted By: frankfrankscherer
Views: 37 Replies: 0 Coupon: ZN3C6TXJ ($3 off)
Link: http://www.amazon.com/dp/B00F474DVG


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

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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.
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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.
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g: 0 Posted By: ctgolfer
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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!
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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:
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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/

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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)
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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)
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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.)
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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

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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

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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.
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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



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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.
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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.)

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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.
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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?
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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.

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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.
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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

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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

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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.
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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
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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