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g: 0 Posted By: DanoMcGarret
Views: 164 Replies: 0 e Staplesad for the week of 10/26 is up - Not much to get excited about but the 15% coupon can be uaed on
the 3 paper deals.

front page related
Staples Multipurpose Paper, 8 1/2" x 11", Ream $4.99 after SER
Staples Multipurpose paper measuring 8 1/2"x 11" has 96 US / 109 Euro brightness for good contrast.Item: 513099
Model: 513099-WH
Staples Multipurpose paper is ideal for laser or inkjet printer and offers good contrast. 20 lbs Acid free, bright white paper measuring 8 1/2"x 11" complies with FSC certification, sold as 500 sheets per ream.

20 lb.
96 US / 109 Euro Bright
Bright white paper provides better contrast
Works great in your laser or inkjet printer
Acid free - will not yellow or crumble over time
Staples Brand 100% Satisfaction Guaranteed
FSC certified

In store only. Limit 4 rebates per household.
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The 1/2 case is back - but not a gteat price Save $14. Staples 8.5" x 11" copy paper, 5-ream case $12.99 after easy rebateStaples Copy Paper - High Contrast PrintingItem: 990176
Model: 23479-US
Print documents clearly with Staples copy paper. Measuring 8.5 x 11 inches, this bright white copy paper provides good contrast, allowing printed documents to be read easily. This paper is ideal for use in copiers, printers, and fax machines.

Recommended for use with black-and-white toner-based copiers
Each case contains five reams of 500 sheets
Acid-free paper will not yellow or crumble with age
8.5 x 11 inches
Staples Brand 100% Satisfaction Guaranteed
Staples copy paper is ideal for everyday use. Whether used in the office or at home, this paper delivers crisp, clear print quality that is high-contrast and therefore easy to read. You can use this letter-sized paper in printers, copiers, and fax machines to get consistently high print quality. Safe for Archiving Staples copy paper is ideal for printing records that will be kept for a long time. The composition of the paper is entirely acid-free, which means that it will not yellow or crumble when it is stored. Use it for long-term projects in which the paper will be heavily handled or for documents in your archive. Bright White Color The bright white shade of Staples copy paper provides a high level of contrast for documents printed in black ink. As a result, printed text is easy to read, which helps you and your colleagues to avoid straining your eyes. Plentiful Supply This case of Staples copy paper contains five reams of paper, each of which contains 500 sheets. That means you can print 2,500 pages of information before you need to order a refill.In store only. Limit 4 rebates per household
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$19.99 after easy rebateStaples 8.5" x 11" multipurpose paper 10-ream case Staples Letter-Size Multipurpose Paper - Create Perfect Prints and Copies.
Item: 513096 In store only. Limit 4 rebates per household.
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Toshiba Canvio Connect 1TB Portable Hard Drive (Silver) $54.99 Save $20Item: 180279 Model: HDTC710XS3A1 Toshiba Canvio Connect portable hard drive in silver color has 1TB capacity with USB 3.0 interface and provides transfer rate up to 5Gb/s. 8MB Drive requires speed of 5,400 RPM with 12 ms average seek time and is compatible with PC, Mac.

1TB
Interface: USB 3.0
PC and Mac Compatible
Silver
Transfer Rate: Up to 5 Gb/s
Speed: 5,400 RPM
Average Seek Time: 12ms
Cache Buffer: 8MB
System Requirements: Microsoft Windows 8, 7, or XP and Available USB 2.0 or USB 3.0 Port
0.59"H X 3.11"W X 4.37"D, 5.82 oz
Toshiba 2-Year Limited Warranty


copy/print related
20% back in StaplesRewards on Color Printing Services
Retail Coupon Code 66435 Offer continues through 11/1/14
Color copies Presentations Posters Banners
Business cards Postcards Brochures
Color copies
Presentations
Posters
Banners
Business cards
Postcards
Brochures
Retail Coupon Code: 66435
Valid 9/14/14-11/1/14. 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.


coupons
15% off in store onlyRetail Coupon Code: 34230
Valid in U.S. stores only. Valid 10/26/1411/1/14 in Staples U.S. stores only. Limit one coupon per customer, nontransferable. Not valid on desktop or laptop computers, tablets, netbooks, Amazon Kindle, Apple products, Beats products, Bose products, Canon ink, Epson ink and toner, HP ink and toner, Steelcase products, custom printing orders placed online, gift cards, mobile phones and mobile phone services, Staples EasyTechsm, SquareTrade warranties, phone cards or postage stamps. 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.

Take an extra $75 OFF All laptops, desktops and all-in-one computers regularly priced $399 and aboveRetail Coupon Code: 90825
Valid in U.S. stores only. Valid 10/26/1411/1/14. Discount applies to PCs only regularly priced $399 or more. While supplies last. Excludes clearance items and tablets. 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.



Thank you for reading.
Office & School Supplies Deals

Staples Coupons
g: 0 Posted By: Y3ll0wSlack3r
Views: 127 Replies: 0 Push: 50 Secrets on How to Land a Job by Creating Social Media Buzz Book DescriptionPublication Date: June 7, 2011Job hunting used to be so much simpler.

All you had to do was follow a simple set of rules:
1. Write a resume
2. Submit it to a company (online or in person)
3. Interview
4. Rinse and repeat with multiple companies
5. Cross your fingers and hope someone hires you

Admit it, youve gone through this process, haven't you?

This was a decent method for landing your dream job - years ago! The rules have changed. Weve gone through an unprecedented time with the financial crisis. Jobless rates are sky high. The job market has become ultra-competitive.

Heres the bottom line: Job hunters can no longer play by the same rules and expect to land their dream job. Youve got to stand out from the crowd.

This book will help you push yourself towards your dream job by:

★ Sharing 50 tips on how to leverage social media (Twitter, Facebook, LinkedIn, Prezi, SlideRocket) and networking techniques to land your dream job
★ 10 core philosophies to guide you in your job hunting journey
★ Learn the secrets to how I was able to get recruiters from Google, HP, Verizon, Apple and other top private companies reach out to me about job opportunities!
★ Best practices I've learned from hiring practices at Fortune 100 companies and numerous interviewing sessions and seminars at colleges

Don't be dragged down into the crowd of endless paper resumes - Its time for you to push your resume, your social media skills and yourself to new heights.

Are you ready to push?

"Nelson's writing style keeps you engaged from the first page to the last." - Ted Blosser, Senior Account Executive, Box.com

"In Push, Nelson Wang's finest accomplishment is the transparency and sincerity in which he writes that can be identified within the first 10 pages." - Hansen Shieh, MBA Student at Columbia University
Totally Free Deals
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
Free Kindle book: Signs of Vitamin B12 Deficiencies: Who's At Risk -- Why
Added on : Wednesday October 22nd 2014 04:00:13 PM
g: 0 Posted By: Y3ll0wSlack3r
Views: 23 Replies: 0 Signs of Vitamin B12 Deficiencies: Who's At Risk -- Why

Get it while it is FREEEditorial ReviewsAbout the Author In 1975, my husband, two little baby girls, and I were living in an apartment in Chicagos Hyde Park district. My husband had diabetes and asthma and I realized I didnt know very much about healthy food and the best way to feed my family. Id always been a fairly decent student having graduated a few years earlier with a M.A. degree from Bradley University in clinical psychology. I minored in biology as an undergraduate and did postgraduate work in biology with an emphasis on human anatomy and physiology. Ive also done considerable independent study in this area as well as studying about foods simply because I enjoy it and to help my husband with his Type 2 Diabetes. My latest book, How to Eat Healthy foods to eat . . . foods to avoid, is available at on Amazon.com
All-down pillows at Macy's starting at $84.99
Added on : Wednesday October 22nd 2014 02:00:07 PM
g: 0 Posted By: mrsv
Views: 128 Replies: 0 This is the lowest price that I've seen this season on all down pillows at Macy's. Hotel Collection, although why they call it that, I have no idea - I've seldom had a decent pillow at a hotel!

http://www1.macys.com/shop/product/hotel-collection-down-pillows...

Prices range from a soft Standard/Queen at $84.99 ($99.99 less 15% using promo code STAR) to a firm King at $127.49 ($149.99 less 15%).

Ratings are pretty good (4 1/2 stars). I've owned one for a few years, and it's held up well. Bought two as a Christmas gift.
Bedding Deals

Macy's Coupons
Cabelas mens pullover jacket $14.99 regular $45 Free ship to store
Added on : Wednesday October 22nd 2014 01:00:04 PM
g: 0 Posted By: Tiemanator
Views: 278 Replies: 0 Mens Cabelas Windcrest pull over jacket with great reviews on clearance. Reg $45, now $14.99, still available in sizes Small - 3XL in various colors. Great little windbreaker.

$5 shipping on orders over $99 with code: 4HOLIDAY
OR
Get $10 off an order of $50 or more if you text JOIN to 247365 (I can confirm this works)

Jacket LINKY

Also a bit more spendy, but not a bad price for a GoreTex jacket on clearance. Cabelas Oak Point Jacket: $79.99 regularly $150-160
On this one, you could use the $10 off code, and get it for $69.99 and ship to store for a great price on gore tex. Shipping should be $5.95 on this alone, so if you didn't pick up in store and had it shipped.. Using the code, you would be about $76 shipped. (plus tax if you have that...thankfully still not here in Oregon)

GoreTex LINKY

Also there is fat cash for this retailer.. And if you have a Cabelas card, you could earn Cabelas cash too..
Clothing Deals

Cabela's Coupons
g: 0 Posted By: remick
Views: 142 Replies: 0 https://www.humblebundle.com/mobile

Free Games:
Available Now: The Spookening
10/26/2014: TBD
10/30/2014: TBD

PWYW Tier:
Rebuild
Oscura: Second Shadow
Containment: The Zombie Puzzler

BTA Tier (Currently $2.75):
Five Nights at Freddys
The Walking Dead: Assault
Dead Effect Premium
Video Games Deals
Rug Closeouts at Macys.com plus an additional 10% off + shipping
Added on : Wednesday October 22nd 2014 07:00:06 AM
g: 0 Posted By: DaysFan
Views: 132 Replies: 0 http://www1.macys.com/shop/rugs/rug-closeouts?id=47143&edge=hybridhttp://www.macys.comEXTRA 10% OFFEnjoy 10% off select merchandise! CODE: STAR
rug closeouts

rug sale
CLOSEOUT! Kenneth Mink Rugs, Empress Trellis BurgundyCloseoutOrig. $395.00 - 1,595.00
Now $99.97 - 399.97
CLOSEOUT! Kenneth Mink Rugs, Empress Aubusson CreamCloseoutOrig. $395.00 - 1,595.00
Now $99.97 - 399.97Couristan Rugs, Tamena TAM183 Mashad IvoryCloseoutOrig. $129.00 - 1,399.00
Now $39.97 - 449.97MANUFACTURER'S CLOSEOUT! Kenneth Mink Rugs, Northport J101 MultiCloseoutOrig. $395.00 - 1,995.00
Now $118.97 - 598.97CLOSEOUT! Sphinx Area Rug, Clique 3261B Cydney 7'8" x 10'10"Closeout}Orig. $1,099.00
Now $499.97MANUFACTURER'S CLOSEOUT! Safavieh Area Rug, Heritage HG510A Multi / Navy 7' 6" x 9' 6"CloseoutOrig. $1,749.00
Now $659.97MANUFACTURER'S CLOSEOUT! Sphinx Area Rug, Tribecca 85T Green 7'10" x 10'CloseoutOrig. $449.00
Now $269.00MANUFACTURER'S CLOSEOUT! Sphinx Area Rug, Yorkville 1251E 5' X 7'3"Closeout{ Orig. $249.00
Now $149.00MANUFACTURER'S CLOSEOUT! Sphinx Area Rug, Yorkville 1251E 7'10" X 10'CloseoutOrig. $519.00
Now $309.00


Decor Deals

Macy's Coupons
Recent experiences with PenFed refi?
Added on : Wednesday October 22nd 2014 03:00:12 AM
g: 0 Posted By: PMonkeyDishwasher
Views: 37 Replies: 2 I know PenFed's 5/5 ARM is fairly popular around here, and I'm interested in refinancing my current mortgage with a 5/5 from PenFed. A lot of reviews online seem to indicate that PenFed's service is pretty horrendous (not returning calls, misplacing applications and documents, etc.). Has anyone had a recent (past 6-12 months) experience with a PenFed refinance? If so, what issues did you have?
Personal Finance Deals
Free Kindle Book- We're on a reef (was $15.00) & other travel adventure
Added on : Wednesday October 22nd 2014 02:00:03 AM
g: 0 Posted By: remick
Views: 110 Replies: 0 http://www.amazon.com/gp/product/B00E49XEYM/

It's dark, 10.30 at night and your ocean-going yacht runs up on a reef in the Caribbean. How would you cope? What would you do?
After losing their floating home of two years, find out how the Oliver's, a New Zealand couple in their late fifties, deal with it.
Follow their adventure of a lifetime, from the purchasing of a boat over the internet, their voyage, good times, health issues, subsequent disaster and beyond.
Experience passage making on their Tayana 37, 'Chinook Wind' as they cruise the world. This is a book that will set you thinking, maybe life does begin in your fifties.
For those wondering just how to deal with a faulty cutlass bearing?.....commissioning, provisioning and commiserating, its all there.



also

A hole in my boot: Southern India to Everest Basecamp
http://www.amazon.com/gp/product/B00ICAMF4E

An adventure which starts in the warm tropical area of Kerala in Southern India. It follows the holiday of Mother and Daughter. They travel in Rajasthan and eventually travel to Nepal, where they trek to Everest Base Camp. Not only does the book take the reader on a journey, it describes the organisation required. An essential book for those who want an adventure but keep putting things off. The book briefly deals with Annes medical problem at the end and the benefit to her health this trip had on her.

Books Deals

Amazon Coupons
Sephora Collection Color Festival Blockbuster Palette $49.50 @ Sephora
Added on : Wednesday October 22nd 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 112 Replies: 0 This Set Contains:
- 72 x 0.014 oz Eye shadow
- 28 x 0.014 oz Lipgloss
- 8 x 0.077 oz Blush
- 18 x 0.014 oz Cream eyeliners
- 4 x 0.018 oz Two-in-one creams for cheeks and Lips
- 2 x Mirrors
- 6 x Makeup tutorials

free shipping on $50+

www.sephora.com/color-festival-blockbuster-palette-P388290
Beauty Deals

Sephora Coupons
Escort - Passport 9500ix Radar Detector $319.99 w/FS @ Best Buy
Added on : Tuesday October 21st 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 79 Replies: 0 Frequency Band: K-band 24.15 GHz 100 MHz, Ka Band 34.70 GHz 1.30 GHz, Ka Superwide, Ku Band 13.43 GHz 25 MHz, Laser 33 MHz, X-band 10.53 GHz 25 MHz
Shadow Technology: VG-2 Alert
Laser Wavelength: 0"
Operating Mode: Auto-scan, City, Highway
Detection Area: 360
Display Type: 280 LED Matrix/Text (Brilliant Blue): SpeedAlert Bar Graph ExpertMeter SpecDisplay
Input Voltage Range: 12 V DC
Height: 1.4"
Width: 2.9"
Depth: 5.4"
Green Compliant: Yes
Green Compliance Certificate/Authority: RoHS
Limited Warranty: 1 Year Limited
Radar detectors are not available for purchase in Washington D.C. or Virginia.

www.bestbuy.com/site/escort-passport-9500ix-radar-detector/90090...
Auto Parts Deals

Best Buy Coupons
offered a limp sum pension buyout
Added on : Tuesday October 21st 2014 05:00:07 PM
g: 2 Posted By: warrensmailbox
Views: 101 Replies: 2 I've been offered a limp sum pension buyout from my former employer of 30 years.. It's near a quarter million. I'm 60 and on SSDI for 10 years, the wife is 57. She is on SSDI as well. (5 years now)Together we get about $3000 in SSDI monthly payments and a personally paid for un-taxable insurance disability income payment of $900 per month. We also get $400 income per month as rental income.Total monthly income is about $4300. I've found I get more than double an average American gets from SS (which is about $1,100 PM). So I'm highly compensated as for as SSDI payments.We still owe on our home $350 a month -insurance & a new 40 year loan to boot. (it's complicated due to no heath insurance for 6 years and we lost our primary home which was mortgaged to cover medical expenses (no one would sell us a plan) and finally had to file chapter 7, we moved into our 90% finished vacation home (they let use keep it) had to give up my Ram, RV and primary home. We have medicare coverage now thank God.We have a few new medical bills, car payments and credit cards (from meds) we owe as well. Total amount in debt is only about $77,000 that we can pay off with a portion of our lump sum in cash plus thousands extra left over to bank. The other slightly larger portion to be rolled over into an IRA (no taxes to pay) which I wouldn't draw on only until I'm 65 than take small monthly payments.Our health is fair to poor actually more leaning toward poor. Our monthly income (we'll lose the $900 insurance payments if I took the buyout or annuity) without these debt obligations my monthly living expense would be $1731.00. Food, utilities, clothing, insurance, deductibles/co-pays and such all fractured it. We don't pay any type of taxes, property or state/feds income. Of course we'll take a 20% tax hit on the cash out, but we may get some back.Total income would be $3350.00. Amount free with no obligations would be $1,600.00 per month and will be split to saving per month and most importantly our home will be ours again.If I took the annuity option 2 instead I would get $1,450 a month right NOW for life, BUT per terms of my personal disability insurance contract once I do that the $900 monthly payments stop as well. So basically I'll only get $500 extra income but the whole $1,400 will now be taxable income. 17K a year taxable.I'm leaning to the boat load of money. I feel we can do without the pension payments and lets face it we may not live long enough to enjoy it, plus my only child could be left something other than bills.What do you think?Thanks
New User Question Deals
LIVE NOW - Playstation Sale of the Dead Halloween Sale
Added on : Tuesday October 21st 2014 05:00:05 PM
g: 1 Posted By: remick
Views: 569 Replies: 2 https://store.sonyentertainmentnetwork.com/#!/en-us/sale-of-the-dead/cid=STORE-MSF77008-9_SALEOFDEAD14S

LIVE NOW


http://blog.us.playstation.com/2014/10/21/sale-of-the-dead-dayli...

Halloween is right around the corner, and that means its time to start picking out your costume and carving your pumpkins. Oh, and it also means its time for the Sale of the Dead on PlayStation Store. Later today, following the PS Store publish, were putting new titles on sale each week for the next two weeks. Pick up some of our favorite spooky games at up to 65 percent off. PS Plus members get some added savings, receiving up to 80 percent off.
Head over to PlayStation Store later today for this weeks deals, and on October 28th for the second weeks lineup. Over the next two weeks youll be able to snag games like Plants vs. Zombies Garden Warfare, Demons Souls, Daylight, Outlast, Guacamelee! Super Turbo Championship Edition, Red Dead Redemption: Undead Nightmare, and more all at a sweet discount. Check out each weeks lineup below:

Week 1
Title PS Plus Price Sale Price Original Price Dantes Inferno (PSP) $3.89 $6.49 $19.99 Dantes Inferno Ultimate Edition (PS3) $5.99 $9.99 $29.99 Darkstalkers: Resurrection (PS3) $5.24 $7.49 $14.99 Daylight (PS4) $7.59 $9.49 $14.99 Dead Nation (PS3) $3.19 $3.99 $7.99 Dead Nation Apocalypse Edition (PS4) $5.99 $7.49 $14.99 Dead Nation (PS Vita) $3.19 $3.99 $7.99 Dead Space 2 (PS3) $3.89 $6.49 $19.99 Demons Souls (PS3) $9.79 $13.99 $19.99 Fatal Frame (PS3) $4.89 $6.99 $9.99 Fatal Frame II: Crimson Butterfly (PS3) $4.89 $6.99 $9.99 Fatal Frame III: The Tormented (PS3) $4.89 $6.99 $9.99 Plants Vs Zombies (PS Vita) $5.39 $8.99 $14.99 Plants Vs Zombies (PS3) $4.19 $5.99 $10.49 Plants Vs Zombies Garden Warfare (PS4) $19.87 $26.49 $39.99 Plants vs. Zombies Garden Warfare (PS3) $14.99 $19.99 $29.99 R.I.P.D.: The Game (PS3) $2.50 $4.99 $9.99 The Cursed Crusade (PS3) $5.00 $9.99 $19.99 Tiny Brains (PS3) $3.99 $4.99 $9.99 Tiny Brains (PS4) $3.99 $4.99 $9.99 Zombeer (PS3) $4.87 $6.49 $15.99
Week 2
Title PS Plus Price Sale Price Original Price Abyss Odyssey (PS3) $7.49 $9.99 $14.99 Castlevania: Lament of Innocence (PS3) $3.99 $4.99 $9.99 Castlevania: Symphony of the Night (PS3) $3.99 $4.99 $9.99 Castlevania: The Dracula X Chronicles (PSP) $5.99 $7.49 $14.99 Catherine (PS3) $6.99 $9.99 $19.99 Corpse Party (PS3) $8.99 $9.99 $19.99 Corpse Party: Book of Shadows (PS3) $8.99 $9.99 $19.99 Guacamelee: Super Turbo Charged Edition (PS4) $7.34 $10.49 $14.99 How to Survive (PS3) $5.99 $7.49 $14.99 I Am Alive (PS3) $3.74 $4.99 $14.99 Manhunt (PS3) $3.99 $4.99 $9.99 Outlast (PS4) $5.00 $9.99 $19.99 Puppeteer (PS3) $7.99 $9.99 $39.99 rain (PS3) $5.99 $7.49 $14.99 Red Dead Redemption: Undead Nightmare (PS3) $7.19 $11.99 $39.99 Resident Evil Operation Raccoon City (PS3) $9.79 $13.99 $39.99 Silent Hill BOOK OF MEMORIES (PS Vita) $11.99 $14.99 $29.99 Siren Episodes 1-12 (PS3) $7.99 $9.99 $19.99 Tales from Space: Mutant Blobs Attack (PS Vita) $3.19 $3.99 $7.99 Tales from Space: Mutant Blobs Attack (PS3) $3.19 $3.99 $7.99 Tales from Space: Mutant Blobs Attack Delicious Bundle (PS3) $4.49 $5.99 $11.49 Tales from Space: Mutant Blobs Attack Delicious Vita Upgrade (PS3) $1.59 $1.99 $3.99
The Sale of the Dead week 1 deals will be available starting later today through Monday, October 27th. Week 2 of the sale starts on Tuesday, October 28th and runs through November 3rd.

Were also putting a ton of movies and TV shows on sale for the next two weeks as part of the Sale of the Dead. Check out the lineup below (Movie pricing and availability is for US only. Canadian pricing and availability may differ).

Movies (Both Weeks)
Title SD Sale Price SD Original Price HD Sale Price HD Original Price 1408 $4.99 $9.99 $4.99 $12.99 Abbott and Costelllo Meet Frankenstein $7.99 $9.99 $7.99 $12.99 Abbott and Costelllo Meet Invisible Man $7.99 $9.99 $7.99 $12.99 Abbott and Costelllo Meet The Mummy $7.99 $9.99 $7.99 $14.99 ABCs OF DEATH $5.99 $9.99 $6.99 $12.99 ALEISTER CROWLEY: THE BEAST 666 $3.99 $12.99 $3.99 N/A Conjuring, The $8.99 $9.99 $9.99 $17.99 Dead Within $8.99 $12.99 $10.99 $17.99 Devil In My Ride $6.99 $14.99 $7.99 $19.99 DIARY OF A VAMPIRE: THE LEGACY OF BRAM STOKER $3.99 $9.99 N/A N/A Drag Me to Hell $5.99 $9.99 $7.99 $12.99 Drag Me to Hell (Unrated) $5.99 $9.99 $7.99 $12.99 Ed Gein $3.99 $9.99 $4.99 N/A Frankensteins Army $0.99 $2.99 $1.99 $3.99 Freddy Vs. Jason $6.99 $9.99 $8.99 $12.99 Frequencies $6.99 $14.99 $7.99 $19.99 Friday The 13th: Killer Cut $6.99 $9.99 $8.99 $12.99 George A. Romero Presents: Deadtime Stories, Vol. 1 $3.99 $12.99 $4.99 $17.99 George A. Romero Presents: Deadtime Stories, Vol. 2 $3.99 $12.99 $4.99 $17.99 Halloween II $5.99 $9.99 $7.99 $12.99 Halloween III: Season of the Witch $5.99 $9.99 $7.99 N/A Jason Goes To Hell: The Final Friday $6.99 $9.99 $8.99 $12.99 Jason X $6.99 $9.99 $8.99 $12.99 Mama $7.99 $9.99 $7.99 $12.99 Nanny McPhee $7.99 $9.99 $7.99 $12.99 Nanny McPhee Returns $7.99 $9.99 $7.99 $12.99 Nightmare on Elm Street (2010) $6.99 $9.99 $8.99 $12.99 Nightmare on Elm Street 2: Freddys Revenge $6.99 $9.99 $8.99 $12.99 Nightmare on Elm Street 3: Dream Warriors $6.99 $9.99 $8.99 $12.99 Nightmare on Elm Street 4: The Dream Master $6.99 $9.99 $8.99 $12.99 Nightmare on Elm Street, A $6.99 $9.99 $8.99 $12.99 Salvage $3.99 $7.99 $4.99 N/A Saw $6.99 $9.99 $8.99 $12.99 Saw Unrated $6.99 $9.99 $8.99 $12.99 Saw II $6.99 $9.99 $8.99 $12.99 Saw II Unrated $6.99 $9.99 $8.99 $12.99 Saw III $6.99 $9.99 $8.99 $12.99 Saw III Unrated $6.99 $9.99 $8.99 $12.99 Saw IV $6.99 $9.99 $8.99 $12.99 Saw IV Unrated $6.99 $9.99 $8.99 $12.99 Saw V $6.99 $9.99 $8.99 $12.99 Saw V Unrated $6.99 $9.99 $8.99 $12.99 Saw VI $6.99 $9.99 $8.99 $12.99 Saw VI Unrated $6.99 $9.99 $8.99 $12.99 Saw:The Final Chapter $6.99 $9.99 $8.99 $12.99 Saw:The Final Chapter Unrated $6.99 $9.99 $8.99 $12.99 Stir Of Echoes $3.99 $9.99 $4.99 $12.99 SuicideGirls Must Die (Rated) $3.99 $14.99 $4.99 $19.99 Taking of Deborah Logan, The $8.99 $14.99 $10.99 $17.99 The Battery $6.99 $7.99 $7.99 $8.99 The Inside $3.99 $7.99 $4.99 $9.99 THE LAST DAYS ON MARS $6.99 $14.99 $8.99 $19.99 The Maids Room $6.99 $14.99 $7.99 $19.99 The People Under the Stairs $5.99 $9.99 $7.99 N/A THE SACRAMENT $6.99 $14.99 $8.99 $14.99 The Texas Chain Saw Massacre: 40th Anniversary $0.99 $2.99 $1.99 $3.99 The Zombie Diaries $4.99 $9.99 $4.99 $12.99 V/H/S $5.99 $9.99 $6.99 $12.99 V/H/S/2 $6.99 $14.99 $8.99 $19.99 Zombie Hunter $3.99 $9.99 $4.99 $12.99 ZOMBIES: WHEN THE DEAD WALK $3.99 $12.99 $3.99 $17.99
TV Shows (Both Weeks)
Title Season SD Sale Price per Episode SD Original Price per Episode HD Sale Price per Episode HD Original Price per Episode Bedlam S1 1 $0.99 $1.99 $1.99 $2.99 Bedlam S2 2 $0.99 $1.99 $1.99 $2.99 Being Human S1 1 $0.99 $1.99 $1.99 $2.99 Being Human S2 2 $0.99 $1.99 $1.99 $2.99 Being Human S3 3 $0.99 $1.99 $1.99 $2.99 Being Human S4 4 $0.99 $1.99 $1.99 $2.99 Cryptid the Swamp Beast 1 $0.99 $1.99 $0.99 $2.99 Death Note 1 $1.49 $1.99 $1.99 $2.99 Ghost Mine 1 $0.99 $1.99 $1.99 $2.99 Ghost Mine 2 $0.99 $1.99 $1.99 $2.99 Haunted History 1 $0.99 $1.99 $0.99 $2.99 In the Flesh S1 1 $0.99 $1.99 $1.99 $2.99 In the Flesh S2 2 $0.99 $1.99 $1.99 $2.99 MonsterQuest 2 $0.99 $1.99 $0.99 $2.99 MonsterQuest 3 $0.99 $1.99 $0.99 $2.99 MonsterQuest 4 $0.99 $1.99 $0.99 $2.99 Paranormal State 1 $0.99 $1.99 $0.99 $2.99 Paranormal State 5 $0.99 $1.99 $0.99 $2.99 The Curse of Oak Island 1 $0.99 $1.99 $0.99 $2.99 The Fades S1 1 $0.99 $1.99 $1.99 $2.99 The Killer Speaks 1 $0.99 $1.99 $0.99 $2.99 The Killer Speaks 2 $0.99 $1.99 $0.99 $2.99 The Secret of Crickley Hall 1 $0.99 $1.99 $1.99 $2.99 Town of The Living Dead 1 $0.99 $1.99 $1.99 $2.99 True Blood 1 $1.99 $2.99 $2.99 $3.99 True Blood 2 $1.99 $2.99 $2.99 $3.99 True Blood 3 $1.99 $2.99 $2.99 $3.99 True Blood 4 $1.99 $2.99 $2.99 $3.99 True Blood 5 $1.99 $2.99 $2.99 $3.99 True Blood 6 $1.99 $2.99 $2.99 $3.99 True Blood 7 $1.99 $2.99 $2.99 $3.99 Ugly Americans 1, Vol. 1 $0.99 $1.99 $0.99 $2.99 Ugly Americans 1, Vol. 2 $0.99 $1.99 $0.99 $2.99 Ugly Americans 2, Vol. 1 $0.99 $1.99 $0.99 $2.99 Urban Legend 1 $0.99 $1.99 $0.99 $2.99 Vampire Knight 1 $1.49 $1.99 $1.99 $2.99 Vampire Knight: Guilty 2 $1.49 $1.99 $1.99 $2.99 Zetman 1 $1.49 $1.99 $1.99 $2.99

PS4 Games Deals
g: 0 Posted By: MrConsumer
Views: 218 Replies: 1 Got an email from Shop Your Way today promising:Points Match Back: Redeem your points and we'll match back the points you've redeemed.*

While this looks like they will refund any purchase made with points, point for point, up to $100 worth of points, that is NOT how it works. I spoke to SYWR and had a very smart agent who explained it this way: If you are going to buy an item that costs $100, use $50 of your own points and SYWR will immediately kick in $50 of bonus (surprise-type) points, making your purchase "free." If however, you applied $100 of your points to this $100 item, you would get nothing in match points.

There is a link in the email to a printable coupon with a unique one-time use code to take advantage of the offer.

Here is the fine print (which does not explain it any better than their headline):

Fine print:*Maximum of $100 in points awarded per member, per transaction. Purchase requirement is before taxes and after discounts. Not valid on Nicki Minaj or Adam Levine merchandise; BOGO; gift cards; non-merchandise; concessions; federal or state regulated items; alcohol; tobacco; fuel; items behind the pharmacy counter; prescriptions; prior and online purchases; partial-paid special order items; Lands End merchandise; Scrubology; at Sears HomeTown, Outlet, Appliance Showroom, Hardware and Parts & Repair stores; or during Family & Friends or Member events. Redeemable at Sears, Kmart,kmart.com,andsears.com. Limit one coupon per member. Void if copied, transferred or obtained via unapproved means and where prohibited. Any other use constitutes fraud. Cash value 1/20. On return, points deducted from account. Offer code limited to one-time use only and applies to merchandise marked sold by Sears or sold by Kmart. Sears Holdings reserves the right to terminate or modify this offer at any time for failure to comply with its terms and/or due to any operational malfunction of the software, hardware or equipment required to process this offer. Use of this coupon constitutes your acceptance of the Shop Your Wayterms and conditions, available atwww.shopyourway.com/terms.Offer valid through​11/3/2014​11.59​PM.

So think of the offer as one that will equally match the number of points you are redeeming up to the price of the item, but not exceeding the price of the item, good online or in-store.

MrConsumer
Services Deals

Sears Coupons
PSN Sale of the Dead Halloween Sale
Added on : Tuesday October 21st 2014 10:00:06 AM
g: 0 Posted By: remick
Views: 179 Replies: 1 http://blog.us.playstation.com/2014/10/21/sale-of-the-dead-dayli...

Halloween is right around the corner, and that means its time to start picking out your costume and carving your pumpkins. Oh, and it also means its time for the Sale of the Dead on PlayStation Store. Later today, following the PS Store publish, were putting new titles on sale each week for the next two weeks. Pick up some of our favorite spooky games at up to 65 percent off. PS Plus members get some added savings, receiving up to 80 percent off.
Head over to PlayStation Store later today for this weeks deals, and on October 28th for the second weeks lineup. Over the next two weeks youll be able to snag games like Plants vs. Zombies Garden Warfare, Demons Souls, Daylight, Outlast, Guacamelee! Super Turbo Championship Edition, Red Dead Redemption: Undead Nightmare, and more all at a sweet discount. Check out each weeks lineup below:

Week 1
Title PS Plus Price Sale Price Original Price Dantes Inferno (PSP) $3.89 $6.49 $19.99 Dantes Inferno Ultimate Edition (PS3) $5.99 $9.99 $29.99 Darkstalkers: Resurrection (PS3) $5.24 $7.49 $14.99 Daylight (PS4) $7.59 $9.49 $14.99 Dead Nation (PS3) $3.19 $3.99 $7.99 Dead Nation Apocalypse Edition (PS4) $5.99 $7.49 $14.99 Dead Nation (PS Vita) $3.19 $3.99 $7.99 Dead Space 2 (PS3) $3.89 $6.49 $19.99 Demons Souls (PS3) $9.79 $13.99 $19.99 Fatal Frame (PS3) $4.89 $6.99 $9.99 Fatal Frame II: Crimson Butterfly (PS3) $4.89 $6.99 $9.99 Fatal Frame III: The Tormented (PS3) $4.89 $6.99 $9.99 Plants Vs Zombies (PS Vita) $5.39 $8.99 $14.99 Plants Vs Zombies (PS3) $4.19 $5.99 $10.49 Plants Vs Zombies Garden Warfare (PS4) $19.87 $26.49 $39.99 Plants vs. Zombies Garden Warfare (PS3) $14.99 $19.99 $29.99 R.I.P.D.: The Game (PS3) $2.50 $4.99 $9.99 The Cursed Crusade (PS3) $5.00 $9.99 $19.99 Tiny Brains (PS3) $3.99 $4.99 $9.99 Tiny Brains (PS4) $3.99 $4.99 $9.99 Zombeer (PS3) $4.87 $6.49 $15.99
Week 2
Title PS Plus Price Sale Price Original Price Abyss Odyssey (PS3) $7.49 $9.99 $14.99 Castlevania: Lament of Innocence (PS3) $3.99 $4.99 $9.99 Castlevania: Symphony of the Night (PS3) $3.99 $4.99 $9.99 Castlevania: The Dracula X Chronicles (PSP) $5.99 $7.49 $14.99 Catherine (PS3) $6.99 $9.99 $19.99 Corpse Party (PS3) $8.99 $9.99 $19.99 Corpse Party: Book of Shadows (PS3) $8.99 $9.99 $19.99 Guacamelee: Super Turbo Charged Edition (PS4) $7.34 $10.49 $14.99 How to Survive (PS3) $5.99 $7.49 $14.99 I Am Alive (PS3) $3.74 $4.99 $14.99 Manhunt (PS3) $3.99 $4.99 $9.99 Outlast (PS4) $5.00 $9.99 $19.99 Puppeteer (PS3) $7.99 $9.99 $39.99 rain (PS3) $5.99 $7.49 $14.99 Red Dead Redemption: Undead Nightmare (PS3) $7.19 $11.99 $39.99 Resident Evil Operation Raccoon City (PS3) $9.79 $13.99 $39.99 Silent Hill BOOK OF MEMORIES (PS Vita) $11.99 $14.99 $29.99 Siren Episodes 1-12 (PS3) $7.99 $9.99 $19.99 Tales from Space: Mutant Blobs Attack (PS Vita) $3.19 $3.99 $7.99 Tales from Space: Mutant Blobs Attack (PS3) $3.19 $3.99 $7.99 Tales from Space: Mutant Blobs Attack Delicious Bundle (PS3) $4.49 $5.99 $11.49 Tales from Space: Mutant Blobs Attack Delicious Vita Upgrade (PS3) $1.59 $1.99 $3.99
The Sale of the Dead week 1 deals will be available starting later today through Monday, October 27th. Week 2 of the sale starts on Tuesday, October 28th and runs through November 3rd.

Were also putting a ton of movies and TV shows on sale for the next two weeks as part of the Sale of the Dead. Check out the lineup below (Movie pricing and availability is for US only. Canadian pricing and availability may differ).

Movies (Both Weeks)
Title SD Sale Price SD Original Price HD Sale Price HD Original Price 1408 $4.99 $9.99 $4.99 $12.99 Abbott and Costelllo Meet Frankenstein $7.99 $9.99 $7.99 $12.99 Abbott and Costelllo Meet Invisible Man $7.99 $9.99 $7.99 $12.99 Abbott and Costelllo Meet The Mummy $7.99 $9.99 $7.99 $14.99 ABCs OF DEATH $5.99 $9.99 $6.99 $12.99 ALEISTER CROWLEY: THE BEAST 666 $3.99 $12.99 $3.99 N/A Conjuring, The $8.99 $9.99 $9.99 $17.99 Dead Within $8.99 $12.99 $10.99 $17.99 Devil In My Ride $6.99 $14.99 $7.99 $19.99 DIARY OF A VAMPIRE: THE LEGACY OF BRAM STOKER $3.99 $9.99 N/A N/A Drag Me to Hell $5.99 $9.99 $7.99 $12.99 Drag Me to Hell (Unrated) $5.99 $9.99 $7.99 $12.99 Ed Gein $3.99 $9.99 $4.99 N/A Frankensteins Army $0.99 $2.99 $1.99 $3.99 Freddy Vs. Jason $6.99 $9.99 $8.99 $12.99 Frequencies $6.99 $14.99 $7.99 $19.99 Friday The 13th: Killer Cut $6.99 $9.99 $8.99 $12.99 George A. Romero Presents: Deadtime Stories, Vol. 1 $3.99 $12.99 $4.99 $17.99 George A. Romero Presents: Deadtime Stories, Vol. 2 $3.99 $12.99 $4.99 $17.99 Halloween II $5.99 $9.99 $7.99 $12.99 Halloween III: Season of the Witch $5.99 $9.99 $7.99 N/A Jason Goes To Hell: The Final Friday $6.99 $9.99 $8.99 $12.99 Jason X $6.99 $9.99 $8.99 $12.99 Mama $7.99 $9.99 $7.99 $12.99 Nanny McPhee $7.99 $9.99 $7.99 $12.99 Nanny McPhee Returns $7.99 $9.99 $7.99 $12.99 Nightmare on Elm Street (2010) $6.99 $9.99 $8.99 $12.99 Nightmare on Elm Street 2: Freddys Revenge $6.99 $9.99 $8.99 $12.99 Nightmare on Elm Street 3: Dream Warriors $6.99 $9.99 $8.99 $12.99 Nightmare on Elm Street 4: The Dream Master $6.99 $9.99 $8.99 $12.99 Nightmare on Elm Street, A $6.99 $9.99 $8.99 $12.99 Salvage $3.99 $7.99 $4.99 N/A Saw $6.99 $9.99 $8.99 $12.99 Saw Unrated $6.99 $9.99 $8.99 $12.99 Saw II $6.99 $9.99 $8.99 $12.99 Saw II Unrated $6.99 $9.99 $8.99 $12.99 Saw III $6.99 $9.99 $8.99 $12.99 Saw III Unrated $6.99 $9.99 $8.99 $12.99 Saw IV $6.99 $9.99 $8.99 $12.99 Saw IV Unrated $6.99 $9.99 $8.99 $12.99 Saw V $6.99 $9.99 $8.99 $12.99 Saw V Unrated $6.99 $9.99 $8.99 $12.99 Saw VI $6.99 $9.99 $8.99 $12.99 Saw VI Unrated $6.99 $9.99 $8.99 $12.99 Saw:The Final Chapter $6.99 $9.99 $8.99 $12.99 Saw:The Final Chapter Unrated $6.99 $9.99 $8.99 $12.99 Stir Of Echoes $3.99 $9.99 $4.99 $12.99 SuicideGirls Must Die (Rated) $3.99 $14.99 $4.99 $19.99 Taking of Deborah Logan, The $8.99 $14.99 $10.99 $17.99 The Battery $6.99 $7.99 $7.99 $8.99 The Inside $3.99 $7.99 $4.99 $9.99 THE LAST DAYS ON MARS $6.99 $14.99 $8.99 $19.99 The Maids Room $6.99 $14.99 $7.99 $19.99 The People Under the Stairs $5.99 $9.99 $7.99 N/A THE SACRAMENT $6.99 $14.99 $8.99 $14.99 The Texas Chain Saw Massacre: 40th Anniversary $0.99 $2.99 $1.99 $3.99 The Zombie Diaries $4.99 $9.99 $4.99 $12.99 V/H/S $5.99 $9.99 $6.99 $12.99 V/H/S/2 $6.99 $14.99 $8.99 $19.99 Zombie Hunter $3.99 $9.99 $4.99 $12.99 ZOMBIES: WHEN THE DEAD WALK $3.99 $12.99 $3.99 $17.99
TV Shows (Both Weeks)
Title Season SD Sale Price per Episode SD Original Price per Episode HD Sale Price per Episode HD Original Price per Episode Bedlam S1 1 $0.99 $1.99 $1.99 $2.99 Bedlam S2 2 $0.99 $1.99 $1.99 $2.99 Being Human S1 1 $0.99 $1.99 $1.99 $2.99 Being Human S2 2 $0.99 $1.99 $1.99 $2.99 Being Human S3 3 $0.99 $1.99 $1.99 $2.99 Being Human S4 4 $0.99 $1.99 $1.99 $2.99 Cryptid the Swamp Beast 1 $0.99 $1.99 $0.99 $2.99 Death Note 1 $1.49 $1.99 $1.99 $2.99 Ghost Mine 1 $0.99 $1.99 $1.99 $2.99 Ghost Mine 2 $0.99 $1.99 $1.99 $2.99 Haunted History 1 $0.99 $1.99 $0.99 $2.99 In the Flesh S1 1 $0.99 $1.99 $1.99 $2.99 In the Flesh S2 2 $0.99 $1.99 $1.99 $2.99 MonsterQuest 2 $0.99 $1.99 $0.99 $2.99 MonsterQuest 3 $0.99 $1.99 $0.99 $2.99 MonsterQuest 4 $0.99 $1.99 $0.99 $2.99 Paranormal State 1 $0.99 $1.99 $0.99 $2.99 Paranormal State 5 $0.99 $1.99 $0.99 $2.99 The Curse of Oak Island 1 $0.99 $1.99 $0.99 $2.99 The Fades S1 1 $0.99 $1.99 $1.99 $2.99 The Killer Speaks 1 $0.99 $1.99 $0.99 $2.99 The Killer Speaks 2 $0.99 $1.99 $0.99 $2.99 The Secret of Crickley Hall 1 $0.99 $1.99 $1.99 $2.99 Town of The Living Dead 1 $0.99 $1.99 $1.99 $2.99 True Blood 1 $1.99 $2.99 $2.99 $3.99 True Blood 2 $1.99 $2.99 $2.99 $3.99 True Blood 3 $1.99 $2.99 $2.99 $3.99 True Blood 4 $1.99 $2.99 $2.99 $3.99 True Blood 5 $1.99 $2.99 $2.99 $3.99 True Blood 6 $1.99 $2.99 $2.99 $3.99 True Blood 7 $1.99 $2.99 $2.99 $3.99 Ugly Americans 1, Vol. 1 $0.99 $1.99 $0.99 $2.99 Ugly Americans 1, Vol. 2 $0.99 $1.99 $0.99 $2.99 Ugly Americans 2, Vol. 1 $0.99 $1.99 $0.99 $2.99 Urban Legend 1 $0.99 $1.99 $0.99 $2.99 Vampire Knight 1 $1.49 $1.99 $1.99 $2.99 Vampire Knight: Guilty 2 $1.49 $1.99 $1.99 $2.99 Zetman 1 $1.49 $1.99 $1.99 $2.99

PS4 Games Deals
Lancome Free 7-Piece Gift w $60 Online Purchase + Extra Bonus at $95
Added on : Tuesday October 21st 2014 06:00:02 AM
g: 1 Posted By: quasarcat
Views: 52 Replies: 0 At Lancome get a free 7-piece gift with your online order of $60 or more.
Gift contains: Choice of serum - Visionnaire or Advanced Genifique
Choice of day & night cream combo
Choice of makeup - Blush Subtil & Color Design Lipstick or Color Design 5-pan Eyeshadow Palette & Definicils Mascara
Bi-Facil Eye Makeup Remover
Vintage Cosmetic Case

Extrabonus for orders or $95 or more - 3 additional samples
Choice of Color Fever Lip Gloss
Choice of Toner or Lotion
Hypnose Drama

Free shipping at $49

Lancome
Hollister: 70% Off Clearance (Today Only!)
Added on : Tuesday October 21st 2014 03:00:03 AM
g: 0 Posted By: ShoppingChick
Views: 78 Replies: 0 Today only Hollister is offering 70% Off All Clearance items with $5.00 flat rate shipping. Price reflects discount.

Cabrillo Beach Women's T-Shirt - $7.48
Shady Canyon Women's Kimono - $13.48
Hollister Knit Women's Jogger Pants - $11.98
Belmont Shore Men's Hoodie - $11.98
Arch Bay Men's T-Shirt - $8.98
Oceanside Check Men's Shirt - $11.98

Clothing Deals
g: 0 Posted By: Y3ll0wSlack3r
Views: 116 Replies: 0 40 Rules for Internet Business Success: Escape the 9 to 5, Do Work You Love, and Build a Profitable Online Business

Get it quick before it is gone with the windEditorial ReviewsReview"Matthew reminds us that whether bricks and mortar or online, building a business is a process of building relationships, creating value, acting with integrity, and using time-proven strategies for profitability. 40 Rules for Internet Business Success will walk you through that process -- from idea to money in the bank." - Dan Miller, Author of 48 Days to the Work You Love"If you are prepared to IGNITE your entrepreneurial journey, 40 Rules for Internet Business Success will inspire you to take massive action and provide you a proven game plan to turn your dream of building your own online business into a reality." - John Lee Dumas, Host of Entrepreneur on Fire"Just one of Matthew Paulson's 40 Rules for Internet Business Success will greatly shorten your journey to your first (or greater) online income. All forty of the rules are proven wisdom from someone who has been there and done it. Read, take action, and you will see results." - Jason Van Orden, Co-Founder of Internet Business Mastery"If your business has an Internet component, this book will give you bite-sized, actionable tips and advice to blow it out of the water. Written by an author who's actually done it, Matthew details how he grew, shifted, and pivoted in building his businesses." - Emily Chase Smith, Author of The Financially Savvy Entrepreneur"With so much noise (and misinformation) in the world of teaching Internet business, it's refreshing to see actionable advice from an entrepreneur who has been there and done that. 40 Rules provides a proven blueprint that will guide anyone who's willing to do the work and learn along the way to build their own online business." - Tim Conley, Host of the Consulting Fuse PodcastFrom the Author If you had asked me a year ago if I thought I would be launching a book today, I would have probably dismissed the idea. For the longest time, I didn't think I had any unique business knowledge until someone said to me, "Do you realize how successful you are? You've built not one, not two, not three, but four profitable online businesses." I had never really considered writing about business because I've always been too busy building my company, but there's been a steadily growing stream of people that have asked me about how I've built my Internet businesses. I couldn't possibly mentor everyone who's asked me to help with their online business, so I did the next best thing. I wrote a book so that everyone who wants to benefit from the knowledge I've gained while building my online business can do so. In my book, 40 Rules for Internet Business Success, you'll learn the strategies I use to identify, build and launch my online businesses. You'll learn the tactics I've used to get all four of my businesses to six figures in annual revenue. You'll also learn how to systematize, delegate and automate major portions of your business so that you actually enjoy the work that you're doing. Finally, the book is peppered with stories from my businesses so that you can grow your business faster and avoid many of the mistakes that I've made along the way.
48 Assorted K-cups coffee $14.99, free ship
Added on : Monday October 20th 2014 11:00:11 AM
g: 0 Posted By: BlameItOnMe
Views: 287 Replies: 0 Assorted K-cups Go a similar deal here about a month ago. As stated they were past expiration date, but still taste good to me. The assortment I got had a few hot chocolate and black English tea, 4 or 5 different coffees, all name brand. Very satisfied with that deal.
The picture looks different this time so could be a different assortment. Ordered two. Free shipping took about 10 days last time.


Grocery Deals
g: 0 Posted By: scatti
Views: 247 Replies: 3 Professional-Grade 2.5-Foot Aluminum Blowgun with 10 Blow Darts, Integrated Dart Quiver, Anti-Inhale Mouth Piece, Dart Guard and Integrated Barrell Sight $9 with free shipping

This lightweight blowgun is constructed with durability in mind. Its black shaft is constructed of durable aluminum which reduces had fatigue. When coupled with the integrated sight and paddle handle, this blowgun is very precise.Measuring 30-inches in length; this blow gun maximizes the flow of air to propel your projectile towards its Target. Its size makes it ideal for both indoor and outdoor use. Integrated is also a convenient dart quiver which is capable of storing 10 cone-shaped darts for quick access. Another important feature is an anti-inhale mouthpiece that is designed to prevent darts from being swallowed. With practice, a skilled user can hit a two-inch circle at amazing distances, delivering a heavy weight dart. That's a payload easily capable of penetrating a half-inch sheet of plywood. Accuracy and range like this enable an experienced hunter to take small game like doves, quail, squirrels and rabbits in complete silence without danger of over penetration or errant darts striking livestock or humans in the distance. Shooting a blowgun is great fun. It is an activity that can be enjoyed indoors or out, in sunny or inclement weather.Product Features:

Features black aluminum shaft, sight and padded handle
Blow gun measures 30-inches long
Darts are stored via integrated dart quiver
Includes 10 sharpened wire darts with neon-colored tips

This item cannot be delivered to the following states: California- Massachusetts

By placing an order on DailySteals.com, you confirm that you are in compliance with your local and state laws. DailySteals shall not assume any liability for the sale, use, or misuse of any blowgun product.

Sports & Outdoors Deals
Bass Pro Shops Lumberjack Earflap Cap for Men $5 Fs
Added on : Monday October 20th 2014 06:00:07 AM
g: 0 Posted By: tedhawkins
Views: 192 Replies: 0 Bass Pro Shops Lumberjack Earflap Cap for Men $5 Fs

http://www.basspro.com/Bass-Pro-Shops-Lumberjack-Earflap-Cap-for...

Apply FS code 14WEAR



When it's cold outside, reach for the dependable warmth of our Bass Pro Shops Lumberjack Earflap Cap for men. This timeless design features a wool exterior woven into the classic buffalo plaid pattern. Inside, soft polyester liningincluding sherpa fleece on the flapsworks with the 40 g 3M Thinsulate Insulation to keep your head, ears, and neck warm and comfortable. The earflaps can be easily adjusted to fit the conditions; built-in hook 'n' loop straps can attach atop your head to keep them up, or beneath your chin to hold them down. The Bass Pro Shops Lumberjack Earflap Cap for men also has a bill on the front to shade your eyes. Imported.

Wool exterior
Polyester lining
Embroidered Bass Pro Shops logo
3M Thinsulate Insulation - 40 g
Classic plaid design
Front bill
Earflaps with hook 'n' loop straps


Clothing Deals

Bass Pro Shops Coupons
Are Discover IT cards and Capital One any good for disputes?
Added on : Monday October 20th 2014 05:00:10 AM
g: 0 Posted By: Warman8
Views: 8 Replies: 0 Are Discover IT cards and Capital One any good for disputes? I'm in a middle of a nice size $ dispute with both of them. Both have been "resolved" in my favor but I have to wait 45 days (November for CO and late November/Early December for Discover) until it's really final and I don't have to worry about anyone recharging me. I like to know what people's experiences were, if anyone here had a good experience with ether one when they disputed?
$1 printable coupon for soda. Free bottle at shoprite
Added on : Monday October 20th 2014 04:00:08 AM
g: 1 Posted By: Elyc21
Views: 284 Replies: 1 There is a new coupon available for $1 off a 2-liter bottle of 7UP TEN, Sunkist TEN, Canada Dry TEN, A&W TEN Dr. Pepper TEN or RC TEN. To get this coupon you will have to share the coupon either via Facebook, Twitter or Pinterest, if you dont want to share you can just print a coupon for 25 and this coupon doubles to 50 off in stores like ShopRite & PathMark except in the city.Shop Rite has 7UP TEN, Sunkist TEN, Canada Dry TEN, A&W TEN on sale this week on sale for 79, so if you get the $1 coupon it will be Free, or just 29 if you will be using the the 25 coupon!http://wm6.walmart.com/Ten-Flavors.aspx(the coupon will say available at WalMart but is a regular manufactures coupon that can be used at any store, I have never had a problem).
Beverage Deals
g: 0 Posted By: remick
Views: 122 Replies: 1 http://www.amazon.com/gp/product/B007SYLFG4

4.8 out of 5 stars (48 customer reviews)

Revised and expanded edition!
Here in this volume of "On Target Photo Training" we delve into correcting facial flaws - in the camera - by the way we pose and light our subjects.
Then we take everything we've been learning - tie it all together and start trying to develop our own personal style.
There are many professionals out there where as soon as we see a photo they've done, we immediately recognize who the photographer was. As artists, this is a goal we should allstrive to achieve.
When learning, it is important to both learn the rules AND to follow them. Only then should you break them.
Once you are comfortable with the way things normally "should" be done, then you can go your own way and start adding your own creativity and personality into the mix.
That's when the artist inside of you will get out... And that's what we all want, isn't it?
To get an idea of some of what is involved in this "On Target Photo Training" volume, here is the table of contents:

Introduction
Photographing The Portrait Headshot
Studying The Face
The Better Side
Here Is Some Science
Look For Flaws!
Make Your Model Comfortable
Visually Minimize Flaws
Positioning The Head And Shoulders
Full Face
Chubby Cheeks And Kids
The Profile
Three Quarter Head
Directing The Model
The Horizontal Turn
Vertical Lift Or Drop
Diagonal Tilt
Correcting Facial Flaws With Head Position!
Parts Of The Face
Eyes
Four Ways To Cure Squinting And Closed Eyes In Portraits!
Shoot With The Light At The Subject's Back...
Shoot Later In The Day
1 - 2 - 3!
Bounce Or Diffuse Your Flash!
The Mouth
Emotions
Happiness
Anger
Sorrow
Fear
Lighting Patterns To Minimize Flaws!
The 2 Base Lighting Patterns:
Narrow Light
Broad Light
4 Essential Lighting/Shadow Patterns
Split Light
Loop Light
Butterfly Light
Rembrandt Light
Additional Portrait Lights:
The Fill Light
The Separation Light
Let's Use What We've Learned
Children
Be Decorative
Show Your Creative Intent
Incorporate Skill And Emotion
Capture The Essence Of Your Subject
Complement Your Subject
Finding Your Personal Style
Develop Your Personal Style Muscles
Lets Get Creative
Taking Risks
17 Portrait Compositional Tips
Photo Exercise
Additional Photo Training
This is a fast and easy read and within an hour or so, your portrait photography will be enhanced more than you may imagine!

Finally you can start winning photo contests or start hearing that musical phrase "WOW, you did that?"
Totally Free Deals
Today only 2% back on amex gc
Added on : Monday October 20th 2014 03:00:06 AM
g: 0 Posted By: Elyc21
Views: 148 Replies: 2 BigCrumbs is offering is offering 2% Cash Back on American Express Gift Cards today only.
http://www.bigcrumbs.com/crumbs/retailerDetails.do?id=2768
Thats not the biggest bonus offered, but shopping portals have been removing Amex gift cards from their rebate offerings so this is the best weve had and my guess probably the best well see. (TopCashBack still has them at 1.5%.)

Keep your personal orders under $5000 every two weeks to avoid the hassle of order cancellation, or scale it if you have a tax ID and make American Express for business orders.

Citi cards code these purchases as cash advances, so you pay for the privileges and dont earn points. Dont use a Citibank credit card to buy American Express gift cards.
Gifts Deals

American Express Consumer Coupons
$1 printable coupon for soda. Free bottle at shoprite
Added on : Monday October 20th 2014 03:00:03 AM
g: 0 Posted By: Elyc21
Views: 22 Replies: 0 There is a new coupon available for $1 off a 2-liter bottle of 7UP TEN, Sunkist TEN, Canada Dry TEN, A&W TEN Dr. Pepper TEN or RC TEN. To get this coupon you will have to share the coupon either via Facebook, Twitter or Pinterest, if you dont want to share you can just print a coupon for 25 and this coupon doubles to 50 off in stores like ShopRite & PathMark except in the city.Shop Rite has 7UP TEN, Sunkist TEN, Canada Dry TEN, A&W TEN on sale this week on sale for 79, so if you get the $1 coupon it will be Free, or just 29 if you will be using the the 25 coupon!http://wm6.walmart.com/Ten-Flavors.aspx(the coupon will say available at WalMart but is a regular manufactures coupon that can be used at any store, I have never had a problem).
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/gp/product/B007SYLFG4

4.8 out of 5 stars (48 customer reviews)

Revised and expanded edition!
Here in this volume of "On Target Photo Training" we delve into correcting facial flaws - in the camera - by the way we pose and light our subjects.
Then we take everything we've been learning - tie it all together and start trying to develop our own personal style.
There are many professionals out there where as soon as we see a photo they've done, we immediately recognize who the photographer was. As artists, this is a goal we should allstrive to achieve.
When learning, it is important to both learn the rules AND to follow them. Only then should you break them.
Once you are comfortable with the way things normally "should" be done, then you can go your own way and start adding your own creativity and personality into the mix.
That's when the artist inside of you will get out... And that's what we all want, isn't it?
To get an idea of some of what is involved in this "On Target Photo Training" volume, here is the table of contents:

Introduction
Photographing The Portrait Headshot
Studying The Face
The Better Side
Here Is Some Science
Look For Flaws!
Make Your Model Comfortable
Visually Minimize Flaws
Positioning The Head And Shoulders
Full Face
Chubby Cheeks And Kids
The Profile
Three Quarter Head
Directing The Model
The Horizontal Turn
Vertical Lift Or Drop
Diagonal Tilt
Correcting Facial Flaws With Head Position!
Parts Of The Face
Eyes
Four Ways To Cure Squinting And Closed Eyes In Portraits!
Shoot With The Light At The Subject's Back...
Shoot Later In The Day
1 - 2 - 3!
Bounce Or Diffuse Your Flash!
The Mouth
Emotions
Happiness
Anger
Sorrow
Fear
Lighting Patterns To Minimize Flaws!
The 2 Base Lighting Patterns:
Narrow Light
Broad Light
4 Essential Lighting/Shadow Patterns
Split Light
Loop Light
Butterfly Light
Rembrandt Light
Additional Portrait Lights:
The Fill Light
The Separation Light
Let's Use What We've Learned
Children
Be Decorative
Show Your Creative Intent
Incorporate Skill And Emotion
Capture The Essence Of Your Subject
Complement Your Subject
Finding Your Personal Style
Develop Your Personal Style Muscles
Lets Get Creative
Taking Risks
17 Portrait Compositional Tips
Photo Exercise
Additional Photo Training
This is a fast and easy read and within an hour or so, your portrait photography will be enhanced more than you may imagine!

Finally you can start winning photo contests or start hearing that musical phrase "WOW, you did that?"
health insurance location matters?
Added on : Sunday October 19th 2014 04:00:08 PM
g: 0 Posted By: davidbeckham
Views: 87 Replies: 0 my employer does not provide health insurance at all and I have to get my own. I am in my early 30s and in good health. The reason I want to get medical insurance is to avoid penalty, so it's basically for financial sake and accidents. I haven't had a need to see a doctor in years. What i notice is that price varies across geographic locations. Is it ok for me to purchase a plan in an area nearby and yet where I have no affiliations to? TIA
Question Deals
Sears YMMV $1.99 green ticket clearance sale
Added on : Sunday October 19th 2014 03:00:06 PM
g: 1 Posted By: shmittal
Views: 341 Replies: 2 Sears is running $1.99 clearance sale on green tickets items in store. YMMV. Sears had similar sale last year around same time.
Home & Garden Deals

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 91 Replies: 0 Dive into a new Middle-earth chronicle, set between the events of The Hobbit and The Lord of the Rings, in an epic tale of revenge and redemption
Become the resurrected Ranger of the Black Gate, Talion, on a relentless vendetta against those who ruthlessly took everything your friends, family and even your very life from you
Fight to discover the truth of the vengeful spirit who resurrected you as you uncover the origins of the Rings of Power
Build your legend, develop your powers and ultimately confront the evil of Sauron your ability to exploit weaknesses and fears in your enemies is your greatest weapon to dismantle Sauron's forces from within
Unleash the other-worldly Power of the Wraith to master powerful skills and weaponry, then inflict brutal and deadly combos as you harness the Spirit of vengeance
The Nemesis System affects how the stats, appearance and personality of each nemesis are different for every player no one else will have an exact same nemesis, as the game generates unique, dynamically created enemies
Turn your foes against one another by forcing them to assassinate, terrorize, sacrifice or spy as you bend Mordor to your will
Defeat your enemies to earn rune rewards that help you advance your skills and abilities and upgrade to more powerful weaponry
Battle against three types of Uruk, including Warchiefs, Captains and Grunts, as you progress through the action-packed landscape of Mordor

Best Buy
www.bestbuy.com/site/middle-earth-shadow-of-mordor-playstation-4...

Amazon
www.amazon.com/Middle-Earth-Shadow-Mordor-PlayStation-4/dp/B00GM...
PS4 Games Deals

Best Buy Coupons
Get 20% off Select Kennels & Pet Accessories @ Home Depot
Added on : Saturday October 18th 2014 11:00:08 PM
g: 0 Posted By: ctgolfer
Views: 61 Replies: 0 $479.20
Internet# 202024369
Lucky Dog 5 ft. x 10 ft. x 6 ft. Kennel

$471.20
Internet# 202024373
American Kennel Club 6 ft. x 5 ft. x 10 ft. Black Powder Coated Kennel


$375.20
Internet# 202024372
American Kennel Club 6 ft. x 4 ft. x 8 ft. Black Powder Coated Kennel

$343.20
Internet# 202024365
Lucky Dog 5 ft. x 10 ft. x 7 ft. Yard Guard Box Kennel

$327.20
Internet# 202024371
4 ft. x 4 ft. x 8 ft. Black Powder Coated Kennel

$314.40
Internet# 202024360
Lucky Dog 10 ft. x 10 ft. x 6 ft. or 15 ft. x 5 ft. x 6 ft. EZ 2IN1 Chain Link Box Kennel


$312.00
Internet# 202024361
Lucky Dog 5 ft. x 10 ft. x 6 ft. Box Kennel


$179.20
Internet# 202024368
Lucky Dog 36 in. x 40 in. x 40 in.L Travel Kennel

$159.20
Internet# 202024379
American Kennel Club 6 ft. x 5 ft. Modular Kennel Gate Panel with A Gate Panel

$159.20
Internet# 202024363
Lucky Dog 5 ft. x 5 ft. x 4 ft. Box Kennel

$143.20
Internet# 202024377
American Kennel Club 6 ft. x 4 ft. Modular Kennel Gate Panel with A Gate Panel

$103.20
Internet# 202024238
Lucky Dog Weatherguard 5 ft. x 15 ft. Kennel Cover with Frame


$95.20
Internet# 202024240
Lucky Dog Weatherguard 5 ft. x 10 ft. Kennel Cover with Frame


$95.20
Internet# 202024383
Predator 5 ft. Black Powder Coated Top Panel Kennel

$95.20
Internet# 202024244
Lucky Dog Weatherguard 4 ft. x 12 ft. Kennel Cover with Frame

$71.20
Internet# 202024243
Lucky Dog Weatherguard 4 ft. x 8 ft. Kennel Cover with Frame

$71.20
Internet# 202024396
Lucky Dog 34 ft. x 57 in. Windscreen/Shade Cloth

$63.20
Internet# 202024241
Lucky Dog Weatherguard 5 ft. x 5 ft. Kennel Cover with Frame


$55.20
Internet# 202024393
Lucky Dog Turn-Style 2-Bowl System


$39.20
Internet# 202024394
Lucky Dog Static 2-Bowl System

$27.99
Internet# 204612510
AKC Large Crate Pillow

$23.99
Internet# 204612500
AKC 10 in. x 21.5 in. Dog Bowl Set

$15.99
Internet# 204612506
AKC Small Crate Pillow

$15.19
Internet# 204614658
AKC Medium Crate Tray


$10.39
Internet# 204614641
AKC Small Crate Tray


www.homedepot.com/SpecialBuy/SpecialBuyOfTheDay
Pets Deals

Home Depot Coupons
g: 0 Posted By: Gergor
Views: 86 Replies: 1 A few days ago we lost water supply in our house. I saw a city truck on our street within minutes and later on when I drove out a few block away I saw city workers doing some ground work with water everwhere. I suspect they may be while doing some ground work, they broke the water main or something of that sort. DIdn't care to find out the details at the time.

When I came home in the evening water was back. I turned on the tap and water/air gushed out initially and I didn't think much of it and I was just happy that water was back.

This afternoon was the first time I went to my backyard and I noticed that water was gushing out of a drip pipe in my sprinkler system. I suspected that when water was back a few days ago the water/air pressure was so high that it boke the water valve and also bursted the pipe open. So I had water gushing out in my backyard for days.

Now that it happened just now I don't know what my water bill will be, but probably in the order of hundreds if not more. And this makes me worried.

I don't have any proof that this is the reason why my pipe broke. Should I discuss with the City Water department about this at all? Should I do it right away or should I wait til my water bill comes?

Another thing that worries me is that we are in a drought and the city implemented measures to fine people with certain excess water use. Would the city turn around and fine me for negligence since the water was left running for days?

Question Deals
g: 0 Posted By: Gergor
Views: 27 Replies: 0 A few days ago we lost water supply in our house. I saw a city truck on our street within minutes and later on when I drove out a few block away I saw city workers doing some ground work with water everwhere. I suspect they may be while doing some ground work, they broke the water main or something of that sort. DIdn't care to find out the details at the time.

When I came home in the evening water was back. I turned on the tap and water/air gushed out initially and I didn't think much of it and I was just happy that water was back.

This afternoon was the first time I went to my backyard and I noticed that water was gushing out of a drip pipe in my sprinkler system. I suspected that when water was back a few days ago the water/air pressure was so high that it boke the water valve and also bursted the pipe open. So I had water gushing out in my backyard for days.

Now that it happened just now I don't know what my water bill will be, but probably in the order of hundreds if not more. And this makes me worried.

I don't have any proof that this is the reason why my pipe broke. Should I discuss with the City Water department about this at all? Should I do it right away or should I wait til my water bill comes?

Another thing that worries me is that we are in a drought and the city implemented measures to fine people with certain excess water use. Would the city turn around and fine me for negligence since the water was left running for days?

Question Deals
g: 0 Posted By: h2oefx
Views: 170 Replies: 0 Linky

Product DescriptionCapacity: 32GbToshiba FlashAir II 32GB Wireless SD Memory CardWant to share photos anytime, anywherewithout the hassle of pulling the memory card from your camera? The FlashAir II Wireless SD Card is your ticket to ultimate convenience, letting you share your lifes moments with others wirelessly and instantly, right from a tablet, PC or smartphone. Like all SD cards, the FlashAir II holds lots of pictures, videos and filesnow with capacity up to 32GB. Yet the FlashAir II is so much more than a simple storage device. By creating its own wireless LAN access point, the FlashAir II lets your friends and family view pictures on your camera through a browser on your PC, smartphone or tablet, quickly, easily and securely. They can download them, too. All they need is a wireless LAN connectionno special driver, software, cables or even an Internet connection. Built to last thanks to Toshiba innovation, the FlashAir II Wireless SD Card is guaranteed to make sharing photos and videos more fun and social than ever.Amazing Wireless ConvenienceIn the old days, you had to pull an SD card from your camera and upload pictures to a PC in order to share them. Not anymore. The FlashAir II Wireless SD Card includes a wireless LAN chip plus an antenna that makes it accessible to any WLAN-capable PC, smartphone or tablet. Its internet pass-through feature allows you to access the card and the internet at the same time. Thats great news for those who want to upload and share photos of kids soccer games or stunning tropical sunsets just seconds after they happen.Faster and Roomier Than EverNow enhanced with Class 10 speed, FlashAir II Wireless SD Card enables super-fast data transfers so you can upload your images and videos within seconds. It also offers higher storage capacitieseither 16 GB or 32 GBso youve got plenty of room for photos and memories galore.Easy as Can BeThe FlashAir II Wireless SD Card is ultra easy to useand compatible with most digital cameras. Forget about special drivers, software or carrying cables just for data transfer. Simply slide the card into your digital camera or camcorder. Its built-in wireless LAN access point requires no Internet connection to share pictures on devices or social networksjust your excitement.All-Access. All at Once.The FlashAir II Wireless SD Card support simultaneous access from up to seven devices. So you can take photos with your digital camera and they can instantly be accessed and stored on multiple PCs, Macs, Ultrabooks, tablets or smartphonesall at the same time. Best yet, no internet connection is required to access them. So as soon as your images are uploaded, your friends can take a look. And a free FlashAir app makes it easy to share with iOS and Android devices.
Memory Deals

Amazon Coupons
g: 0 Posted By: DiMAn0684
Views: 73 Replies: 0 I've been with my current insurance company (Plymouth Rock) for 3 yrs now and just got renewal documentation with new premium going up by 30% (no accidents / violations in the past 6 yrs). The cost increase was pretty disappointing so I decided to see how much a similar policy would cost with other insurance providers. So far I have tried getting quotes from three other companies (Geico / Progressive / Metlife) but all of them had property damage liability of $100k max available through their online tools. My current policy goes up to $250k and I'd like to either stick with that amount or go higher. Any ideas on why other insurance companies have such low limits and if there're any ways to increase them? Thank you!
Insurance Deals
g: 0 Posted By: rushhound
Views: 97 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16823126208&cm_re=Logitech_MK550-_-23-126-208-_-Product
Shoprunner eligible for 2 day shipping

Have had a set for 3 years.
Easily my favorite keyboard/mouse combo ever.

The Wave Combo MK550 includes the K350 model keyboard and M510 Mouse
Powerful 2.4 GHz wireless connection with one tiny Unifying receiver that stays in your notebook
Contoured laser mouse with rubber grips gives you smooth, precise cursor control
Wave-design ergonomic keyboard with cushioned palm rest for exceptional typing comfort
Virtually no battery changes, up to three years of battery life for the keyboard and two years for the mouse* (* Keyboard and mouse battery life may vary based on user and computing conditions.)
Operate up to 30 feet (10 meters) with the receiver in clear sight of the keyboard and mouse


Keyboard & Mouse Deals

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Bronze Torchiere Floor Lamp $24.99 Home Depot
Added on : Saturday October 18th 2014 06:00:06 AM
g: 0 Posted By: Harlodude
Views: 238 Replies: 1 Linky

The Hampton Bay Rhodes 71-1/2 in. Bronze Floor Lamp will bring a combination of simple elegance and contemporary style to a variety of spaces. Featuring a sleek, bronze base with a scroll pattern and an alabaster glass shade, this lamp will complement many interiors and provide a natural warm glow for plenty of illumination. Easy to assemble, coordinate with other Rhodes Collection pieces for a polished look and lasting enjoyment. and free shipping
Garden Deals

Home Depot Coupons
g: 0 Posted By: playstationgamer
Views: 188 Replies: 1 awesome deals with games including:
The Evil Within $37.12
Alien:Isolation $31.36
Shadow of Mordor $32.90
Diablo 3 $23.04
Wasteland 2 $15.35
and more athttps://www.g2a.com/r/weeklysaie
Video Games Deals
God of War: Ascension - PlayStation 3 $9.99 @ Best Buy
Added on : Friday October 17th 2014 07:00:04 PM
g: 0 Posted By: ctgolfer
Views: 149 Replies: 0 Includes access to an exclusive demo of The Last of Us when it becomes available
Become the legendary Kratos and embark on an adventure to clear your head, heart and soul and gain your freedom in the latest chapter in the epic God of War franchise
Break free of the chains that bind you by fighting to avenge your family
Struggle with the madness that plagues you and tortures your mind
Experience the engaging storyline that takes place in a time before Kratos became a deadly monster who took on the Gods
Enjoy new combat and puzzle mechanics that build on the God of War gameplay
Take the God of War combat online and experience multiplayer action for the first time in brutal eight-player, objective-based combat
Align yourself to Zeus, Ares, Poseidon or Hades and earn their Favor to unlock new customization options for your multiplayer Gladiator
For 1 player offline; 2 to 8 players online

www.bestbuy.com/site/god-of-war-ascension-playstation-3/5272444....
PS3 Games Deals

Best Buy Coupons
Walmart BM: Sony KDL48R470B 48" 1080p LED TV $348 Clearance YMMV
Added on : Friday October 17th 2014 04:00:03 PM
g: 0 Posted By: khail19
Views: 250 Replies: 0 Picked one of these up at the South Reno WalMart, they still had one left. Several other brands/sizes on clearance too, they were all on a display table in front of the Electronics section. Salesperson said that corporate directed them to clearance out some of the TVs to make room for more 4K tvs before Superbowl season. Shows $448 online, so $100 off seemed like a good deal.

Link
LED TV Deals

Walmart Coupons
g: 0 Posted By: priyacg
Views: 141 Replies: 0 Patio Umbrella 9' Aluminum Patio Market Umbrella Tilt W/ Crank Outdoor $39.95 FS eBay daily deals

http://www.ebay.com/itm/Patio-Umbrella-9-Aluminum-Patio-Market-U...

Best Choice Products presents this brand new 9' aluminum patio umbrella, with a tilt and crank. An attractive & stylish design make this patio umbrella a must have. Its designed to keep you cool and more comfortable. Now you can enjoy your time outdoors on a hot day without just being hot in the shade and while being protected from heat and harsh sun effects. Please make sure to look at our other products, because we do carry other colors. We purchase all of our products directly from the manufacturer, so you know youre getting the best prices possible.
NEW PRODUCT WITH FACTORY PACKAGING (not used or refurbished)

FEATURES:

9' Diameter
7' 10 tall
8 Rib design
Attractive design
Aluminum pole (1 1/2" Diameter)
Crank feature
180G polyester cover
Air vent
Waterproof
Home & Garden Deals

eBay Coupons
Allstate Auto Insurance Policy Change
Added on : Friday October 17th 2014 07:00:15 AM
g: 0 Posted By: overafter
Views: 84 Replies: 6 My wife and I have had an Allstate Platinum non-cancellable policy for about 10 years. We've maxed out our deductible award, get our 5% back every 6 months, etc. Our agent recently contacted us asking if we want to switch to a credit score based policyand only lose the non-cancellable feature. The agent swears up and down that no one gets cancelled except for DUIs, multiple accidents, etc. We have not had any at fault accidents during this time and only have had 2 windshields replaced for cracking, it is only the 2 of us on the policy and we have no children. Savings over our current plan will be between $800 and $900, or 30-35% of our policy costs. I've asked about all of the questions that I can think of, has anyone else had made this switch or have other input?
Discussion Deals
Free Fanta Soda at Walmart
Added on : Friday October 17th 2014 02:00:04 AM
g: 0 Posted By: tlguinn
Views: 394 Replies: 0 Last night I purchased a 2 liter Fanta strawberry soda. WalMart had them for $1 and there was a coupon on top of the bottle for $1 off. There were several of them, orange, strawberry, grape, etc. They were in the fruit and vegetable area.
Grocery Deals

Walmart Coupons
g: 0 Posted By: remick
Views: 42 Replies: 0 http://www.amazon.com/gp/product/B00K64GIGU/

5.0 out of 5 stars (8 customer reviews)

One of the Hottest Minecraft Constructing Guides of the year!!!Constructing Minecraft: How to Build BIGGER and Smarter in MINECRAFT (with step-by-step instructions)

Greetings dear reader and thank you for dedicating the time to read my Minecraft building guide! I am sure that you are eager to create awesome buildings, but I would like to take a moment of your time to talk about this eBook. You need to know that I wont just teach you how to build by presenting you with a bunch of blueprints. Instead, my goal is to help you learn advanced design principles so that you can allow your own imagination to grow outside its current boundaries and as such you will learn how to build bigger and smarter!

All of the buildings presented in this eBook will be shown step-by-step and you will be able to see exactly how they are created. But more importantly, I will also aim to show you the full thinking process behind the patterns that I use. For convenience sake I created all of these buildings in creative mode, but I will include a list of resources (and their alternatives) in case you want to make them legitimately in survival mode. The builds shown here are rather cool and pretty fun to make on a multiplayer server so feel free to get your friends in on the project!



also free

Minecraft: 2 in 1 Minecraft Game Guide Episode 1
http://www.amazon.com/gp/product/B00JPNO6NA

The game Minecraft is a sand box indie game that was an original creation of Markus Persson, a Swedish programmer who is famously known as Notch. On November 19th, 2011, a man by the name of Jens Bergensten, also known as Jeb, took over to allow Markus to concentrate on other things. It was released to the public on the 17th of May 2009. By that time, it was an alpha version which was updated before the fully published release version in 2011. Before this, an android version had been released earlier on in October 7th. After publication, the game was released on Xbox 360 as an Xbox Live Arcade game. The co-development was by 4J studios. Just like all other online games, Minecraft has periodic updates to make it current.

Minecraft is a game by Mojang that is fulfills the dreams of adventure game and creative game fans out there. It started as an indie game and is now one of the most played games out there. Minecraft is a sandbox game where you play as a lone survivor on an island with no tools, food and shelter. Gather resources from scratch, craft materials and build items in order to survive.
Minecraft is a game with endless possibilities of creating anything you want. It is like your very own universe. Test your survival skills in the Survival game mode where you have to build everything from scratch and face enemies that lurk in the night. Exercise your creativity in Creative mode with infinite resources that makes it possible to build your dream city.
Minecraft Game Guide contains all the information you will need to understand the game and the basics. If you want to know how to survive your first night, how to survive in the long run, information about different tools, how to defeat mobs and many more, check out this guide. This guide will serve as thorough learning tool for new players and a refresher for those who have not played in a while.
Totally Free Deals
Free Fanta Soda at Walmart
Added on : Friday October 17th 2014 12:00:02 AM
g: 0 Posted By: tlguinn
Views: 16 Replies: 0 Last night I purchased a 2 liter Fanta strawberry soda. WalMart had them for $1 and there was a coupon on top of the bottle for $1 off. There were several of them, orange, strawberry, grape, etc. They were in the fruit and vegetable area.
PSA - Beware changes to Mango Money monthly fees
Added on : Thursday October 16th 2014 09:00:12 AM
g: 0 Posted By: BenH
Views: 67 Replies: 2 Not sure how many of you are dealing with a MangoMoney account, but I thought I would share this info as it was news to me.

I have one for my wife and I which is a prepaid debit account with a linked savings that has a 5.85% rate on up to 5K.

Previously, there was no monthly fee if you deposited $500 or more each month.

This month I saw a $3 monthly fee appear on our accounts. When I called to question I was told that they amended their terms and now they charge every month regardless...although they dropped their fee from $5 down to $3.

They claim they sent letters in and e-mails in June...of which I don't recall. I generally don't delete e-mails and can't find any on my wife's or my account.

I'm trying to decide what to do, since I think these change of terms is pretty crappy, especially the surreptitious way in which they have done it.

However, at $36 in fees a year, that still means a net of over $250 dollars on the 5.85%

Additionally, before I had to worry about posting every month and transferring out, now since I will be charged regardless, it doesn't really matter.

I'm still thinking it is a pretty decent return on the money.

Thoughts?
Investing Deals
Negotiating salary
Added on : Thursday October 16th 2014 07:00:11 AM
g: 0 Posted By: misterfixit
Views: 79 Replies: 1 For those that have had experience negotiating, I wanted to see if you might be able to provide me with some guidance on the best way to proceed.

I'm in a very specialized mechanical/electrical field. There aren't a lot of people that do the kind of work that I'm in and I have some clearances that make me particularly valuable. I am in the process of gaining a certification that is basically the "gold-standard" for my field. I should have this within 1 year. I've already been through the hard parts.

I have received an offer from company X for about $200k. The current person at the company is doing a job very close to what I would be doing and he is leaving, thus they are looking for me to replace him. The guy that I am replacing has the gold-standard certification that I spoke of, but it doesn't make him any more capable of performing the job. The offer is good and I like the company, however I know the guy that I will be replacing and he is making a lot more (~30% more) than I would be in the same job. I know this guy very well and he did say that I am by far their #1 candidate and the others that have interviewed for the job are not people they want to hire. I asked him if he thought I could get what he is getting and he said "potentially." This is probably not the most desirable location, either, so I think it would be hard for them to find someone else with my credentials. They have been ringing my phone off and I know they really want me to come on-board.

How would you approach this kind of negotiation? I can't come right out and say that I want what the current guy is getting because I'm pretty sure he wasn't supposed to tell me. I also don't have the gold-standard certification (yet), so they could just come back with that.

Any advice would be appreciated. Thanks for your help.
Rain-X Latitude All Weather Automotive Wiper Blade - $9.99 at Tanga
Added on : Thursday October 16th 2014 06:00:23 AM
g: 1 Posted By: frankietp
Views: 188 Replies: 1 Tanga has theRain-X Latitude All Weather Automotive Wiper Blade for only $9.99.

https://www.tanga.com/deals/e014063ae76b/rain-x-latitude-all-wea...

Size: 22"

I wish they had more sizes available...
Auto Parts Deals

Tanga Coupons
I am Considering Selling a Limited Liability Partnership
Added on : Thursday October 16th 2014 05:00:09 AM
g: 0 Posted By: jrbrann
Views: 10 Replies: 0 I will try to keep this simple- I had a family member who had a limited liability partnership (a rental property down in Florida) in their IRA. The monthly income from their LLP was going into their IRA account and they were taking RMD's from that account. I was left the IRA which included other investments as well as this LLP. Because it was a non-spousal IRA I have to take RMD's as well so I have kept taking the income as my RMD. I am now considering selling the LLP but I am not sure the best way to go about it. I was offered an amount by another of the investors (there are about 5 other investors) but it was lower than I think it is worth, and he even admited that fact. The property gives a monthly income of $540- so $6480 a year. I was thinking that selling it for a 5% return ($130,000) seems fair as there is nothing out there paying 5% right now. We have had it in our family for about 20 years and as of yet there has been no missed payments. So two questions-
#1 is the $130,000 a reasonable price to ask for an LLP with a strong income history?
#2 where is the best place to find a buyer?
Personal Finance Deals
Transformers Generations Windblade $16.99 @TRU - FS with Amex/Shoprunner
Added on : Thursday October 16th 2014 05:00:07 AM
g: 0 Posted By: suppin
Views: 232 Replies: 0 Link to WindBlade at Toys R Us

So I've been wanting to get the WindBlade Transformers toy ever since it was voted for and announced. The eBay scalpers are are well.. marking her up on eBay, and most of my other options involve paying
more for the toy than MSRP because of shipping or otherwise.

It looks like Toys R Us finally has a good stock of these, and they can be had for the low price of $16.99. Best of all shipping is free with Shoprunner/Amex. Amex of course has a Shoprunner promo where you get
free membership and shipping if you sign up and pay with the Amex card. So this is the best deal I can find on this figure.

Here is a link to details about WindBlade. The first fan created official transformer!

http://tfwiki.net/wiki/Windblade_(G1)
Toys Deals

Toys R Us Coupons
g: 0 Posted By: ragingwookiee
Views: 47 Replies: 0 Kenneth Cole Reaction Grey Check Slim-Fit Sport Coat-- $29.99 + $9.95 Shipping at Macy's

Round out your work wardrobe with the sleek grey shade and slim-fit cut of this polished sport coat from Kenneth Cole Reaction.

Polyester/rayon
Dry clean
Imported
Kenneth Cole Reaction men's sport coat
Notched lapel
Two-button closure
External chest pocket at left
Front flap pockets
Four-button cuffs
Side vents
Fully lined
UFB Direct Savings Account 1.25% on Big Whoppin' Deposits
Added on : Wednesday October 15th 2014 12:00:05 PM
g: 0 Posted By: pattyB
Views: 63 Replies: 0 1.25% interest on account balances greater than $25K.
Minimum deposit to open account is $100. These accounts are open to savers in all 50 states and no monthly fees.
I had a UFB Direct account in 2012 with a high interest, but when they lowered the interest rate I took most ofmy money out. I kept the account open with a small balance of $1.23.
Now that UFB Direct has this nice rate for liquid funds it's time to deposit my money here.
The only catch is that the interest is cut to .20% if the balance in your account ever falls below $25K.
Deal Deals
g: 0 Posted By: firestix
Views: 24 Replies: 0 Several weeks ago my employer gave us the option to go to direct deposit or get a pay card. Had us fill out a form and everything. Mind you this form had no description of what the pay card was. I chose the pay card because I have a problem with the company's ability to dip into my account if they feel they paid me incorrectly. It turns out this pay card comes with a 16 page pamphlet of terms and conditions that were not disclosed at the time I was forced to make the decision. My employer has already deposited my pay into the BoA account. According to the payroll specialist I have to activate the card (accept all terms of the service) to get my money out, there is nothing she can do. The "Money Network" rep initially tells me the same thing but when I insist I don't want to accept the terms they tell me that my employer needs to take the money out if I do not wish to activate it.

I'm only getting started on this battle. I have already signed up for direct deposit; I figure it is the lesser of two evils. The sign up for direct deposit said that it may take up to two pay cycles to activate. So that makes up to a month and a half of pay being held ransom over these terms and conditions. While I can weather that delay, I wonder how smoothly the removal of funds from BoA will be once I have the direct deposit operational. I guess I'll be e-mailing my payroll specialist. Whereas up till now I have used phone calls. Getting documentation in case things go wrong, might just be a good idea. So if there is anyone that has experience on the payroll side of how this might go down I would love to hear what you have to say.

I am also a bit concerned about how they seem to have opened an account for me and how my actions, weather to suck it up and take on the terms, or never use the account, might affect my credit rating. I would also love to hear from anyone who might have insight into how these actions might affect my FICO score.Thanks in advance for anyone who chimes in and takes the time to help me out.
Car Accident Question - Rental Car
Added on : Wednesday October 15th 2014 06:00:09 AM
g: 0 Posted By: CalBear07
Views: 43 Replies: 1 Hopefully this isn't to off topic but I feel like FW finance people would know the answer to my question.

I was rear ended last week and the other driver admitted fault immediately. A few days after the accident, I got a call from the driver's insurance (State Farm
) and they said they would take 100% responsibility and I just had to take the car to a shop of my choice to get an estimate and their adjuster would go out to approve the repairs. However, the guy I talked to made it very clear that they would not pay for a rental car for me until the repairs began (i.e. If I drop my car off at a shop on Monday but State Farm
doesnt make it out until Thursday to see the car, I'm SOL for those 3 days and I have to pay for the rental car myself). Does that make any sense and is that common? I'm not trying to rip off State Farm
but how am I supposed to get to work for those days where I don't have a car?

Thanks
Question Deals
g: 0 Posted By: remick
Views: 60 Replies: 0 http://www.amazon.com/gp/product/B008HX75S2

Can you make a professional feature film for little to no money?

Yes!!! But in reality it would take a lot of practice, planning, and know-how. Its certainly possible, though, especially with the quality and affordable cameras available today. The same goes for lighting and sound equipment. In fact, the camera and audio recorder in your phone is good enough to use. (In my last film, I used both the camera and audio recorder from my iPhone when we had an emergency.) However, Id still recommend using equipment better than your phone. After that, all you need is a computer - which is how youll edit and add all the post-production magic. So you really can make a professional film for little to no money. Its not easy, but its possible. You just need to know how to do it.

But even if you know how to do it, theres still one thing left - and it happens to be the most important thing: The script. Whether you have $10 or $10,000,000 - if your script stinks then your film will stink. Guaranteed. So for all aspiring filmmakers out there: Please take your time writing or finding a script, and then take your time fine-tuning it.

I spent far too much money making my first film - something which still ticks me off (I talk about it in the beginning of my book) - but thats exactly how I learned how to PRODUCE - that is, how to get the most out of nothing. Not to get too existentialistic, but I really wish my book had been available before then - it wouldve helped me tremendously and I wouldve saved 90% of what I spent. 90%!!! Thats no joke. Thats why it still ticks me off. I even mightve made a decent film.

Ive read other filmmaking books (a lot, actually) and havent found one that truly walks you through the filmmaking process. Out of all the books Id read before my first film, the one that somewhat helped was Dov Simens From Reel to Deal" - but even that wasnt detailed enough and definitely didn't prepare me for a real film shoot

Film shoots can be stressful. Believe me! Theyre a crazy mixture of time restraints, money issues, equipment malfunctions, schedule coordinating and, finally, art. Thats why you want to know as much as you can before going into it. In my book, I tell you everything. I walk you through every step of filmmaking and let you know what youre in for and how to deal with it.

Theres a lot in the book; like how to write (and format) a great screenplay, how to direct like a pro, how to cast the best actors and get great performances, how to deal with different people and different attitudes on the set, how to choose the right equipment and capture the right shots, how light the set properly, how to best record sound, how to create a slick edit, and much, much more. Theres also over 70 HD photos to help out. The photos make it easy to understand what kind of shots to capture (standard and advanced shot selection), what different lenses look like, basic lighting techniques, storyboarding, etc.

So whether or not youre the next Steven Spielberg this book will teach you everything you need to know to start making high-quality films on a micro-budget, including how to avoid making mistakes. But, jeez, hopefully you ARE the next Steven Spielberg! We could sure use some better movies out there
Totally Free Deals
Penalty Free Roth IRA Withdrawal for 1st Time Home Purchase
Added on : Wednesday October 15th 2014 01:00:07 AM
g: 0 Posted By: MoogLiberation
Views: 394 Replies: 8 Hey guys, I had a question but I couldn't find a clear answer through researching on the internet and thought I would turn to the experts.

My wife and I are looking to purchase our first home. I was thinking about using the one time penalty free allowance of a $10,000 withdrawal from my 401k for the down payment but my wife's accountant for her business is telling her this is a bad idea because I'd have to pay taxes on that $10,000 and it would effectively only be about $5,000 that we would actually get after the taxes are paid. Is that true?

And please don't take this the wrong way but I know that the normal response from the FW crowd (and I would agree for most people) is going to be that I shouldn't be withdrawing money from my 401k but I'm trying to live in the moment because of some other issues in my life so I would appreciate if you respected that. Thank you.
Question Deals
g: 0 Posted By: ragingwookiee
Views: 217 Replies: 0 RAZER 2014 Black Gaming Keyboard + RAZER DeathAdder 2013 Gaming Black Mouse

6400dpi 4G Optical Sensor
Ergonomic right-handed design with textured rubber side grips
Five independently programmable Hyperesponse buttons
Razer Synapse 2.0 enabled
1000Hz Ultrapolling/1ms response
On-The-Fly Sensitivity adjustment
Always-On mode
200 inches per second and 50g of acceleration
Zero-acoustic Ultraslick mouse feet
Gold-plated USB connector
Seven-foot, lightweight, braided fiber cable

Keyboard & Mouse Deals

eBay Coupons
Penalty Free 401K Withdrawal - Do You Still Have To Pay Taxes?
Added on : Tuesday October 14th 2014 02:00:10 PM
g: 0 Posted By: MoogLiberation
Views: 165 Replies: 3 Hey guys, I had a question but I couldn't find a clear answer through researching on the internet and thought I would turn to the experts.

My wife and I are looking to purchase our first home. I was thinking about using the one time penalty free allowance of a $10,000 withdrawal from my 401k for the down payment but my wife's accountant for her business is telling her this is a bad idea because I'd have to pay taxes on that $10,000 and it would effectively only be about $5,000 that we would actually get after the taxes are paid. Is that true?

And please don't take this the wrong way but I know that the normal response from the FW crowd (and I would agree for most people) is going to be that I shouldn't be withdrawing money from my 401k but I'm trying to live in the moment because of some other issues in my life so I would appreciate if you respected that. Thank you.
Question Deals
g: 0 Posted By: MISTERCHEAP
Views: 654 Replies: 4 CVS B&M REGIONAL!! Three 12 packs of Coke, Diet Coke or Coke Zero products $4 + tax after $5 ecb to 10/18 (also earn 60 MCR points on DIET deal!)THIS DEAL ONLY WORKS IN AREAS where the COKE 12 PACKS ARE ADVERTISED at 3 for $9.

If they are 3 for $10 where you live...THE DEAL IS A NO GO!!


Buy 3 Coke, Diet Coke or Coke Zero 12 packs 3/$9 (mb3)
Pay: $9.00 ($15 less $6 INSTANT SAVINGS)
Get $5 ECB (limit 1)
as low as $1.33 each after ECB wyb 3

enter the 3 flaps for 60 MCR on double DIET/ZERO ONLY promo points til 10/17 (sale ends 10/18)

CVS IN STORE DEAL

CONFIRMED BY ME SUCHADEAL (not YMMV)

NOTE: YOU MUST BUY 3 for the sale price. IN ONE ORDER
Beverage Deals
contractor emergency call fee and bad estimate.
Added on : Tuesday October 14th 2014 02:00:09 PM
g: 0 Posted By: foolface
Views: 39 Replies: 0 I can post more details later if needed. I had a roof leak and called a contractor who quoted me a$150 emergency fee over the phone. I payed this by credit card. When they arrived I was quoted a completely unreasonable amount of $2000.

I had another contractor quote me $300, but he couldn't get to it for two weeks.

I feel that the quote was in bad faith so they could just collect the fee for twenty minutes of work.

Would this be a valid reason for a credit card chargeback?

Thanks
g: 1 Posted By: GreenTrash
Views: 231 Replies: 0 Very lukewarm but if your TIVo Premiere is overloaded, for under $100 this is the only reliable cure.

I actually took a chance and bought a "used" one on Warehouse Deals for $72 and as I had hoped it was brand new.

LINK
Computers Deals

Amazon Coupons
401k roll over issues - HELP!
Added on : Tuesday October 14th 2014 09:00:06 AM
g: 0 Posted By: llcooll
Views: 34 Replies: 0 Hi all,

I need help on an issue I've been having for MONTHS.

I initiated a roll over from one 401k account into my current employer's 401k account. The issue I'm having is that my prior 401k had my maiden name and my current has my married name on it. This would have been easy enough to just void the checks and start over, but the issue is that my current 401k has already deposited the money into their accounts so the prior 401k is unable to void and reissue them.

The prior 401k is saying that they are unable to accept a check back from Vanguard because it would look like a contribution for this year and since the check was deposited, the account has already been closed with them.

The current has been saying that they are unable to accept with the incorrect name (even after offering every possible form of proof: marriage cert, license, etc). They've asked me to submit some paperwork, but I think it is just to buy them more time to figure it out. The last I spoke with them, they said that they are still researching the issue and have no ETA on when it will be resolved. This is where I need your help. Has anyone been in this situation before? Advice?

This has been going on for 6 months with little or no traction.

Thanks,
Ellen
Personal Finance Deals
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.
Totally Free Deals
Can I sue for damage to property I just sold?
Added on : Monday October 13th 2014 08:00:24 AM
g: 0 Posted By: Bizatch
Views: 75 Replies: 2 This summer, while driving on the highway, a driveway sealcoating truck's tank of hot asphalt blew its top and spewed all over our vehicle and popup camper. The driver/owner of the truck had us go to his shop where he cleaned both units. He got most of the asphalt off both units but the residue from the oil, and his cleaner, left discolorations on a couple sections of the popup camper.

A month later, we sold the popup and sold it at a discount b/c of the discoloration. We sold it for $500 less than book value. To replace the discolored parts with new parts would have cost $750.

The popup was 12 years old and in very good shape besides the discoloration.

I'd like to sue/demand $375 for the damage to the popup. My thinking is, I don't deserve full value for brand new replacement parts. 50% is fair in my mind.

Can I demand/sue for damage to property I just sold?
Personal Finance Deals
g: 0 Posted By: PNWBargainHunter
Views: 164 Replies: 0 Ooops...I put in the wrong expiry....

The=21pxFugoo Style Bluetooth Wireless Speaker (Silver)is only $149.99 right now onAmazon.It is a Lightning Deal and ends in 3 hours. A friend of mine owns one and it is AWESOME. He had a Beats and let me compare the two - hands down an awesome speaker. One, you can hear it from all sides. Two, the range of sound is incredible - both highs and lows. Lastly, and this is super cool, its waterproof. He dunked it in a bowl of water and it kept playing. He says he straps his on his surfboard in LA sometimes. Amazing.

Check out what Fugoo saysDurable EleganceFugoo's unique "Core plus Jacket" modular design lets you customize the speaker to your taste and lifestyle. The robust Core comes with your choice of Jackets Style, Sport, or Tough to match your style, durability, and capability needs. Jackets are easily interchangeable so later on you can change your speaker's style. The Style jacket offers simple elegance with stylish sophistication. The fiber-reinforced resin shell and durable waterproof cloth covering help protect your speaker, while the clean lines and classic styling fit into any decor.Talk Back to ItThe built-in omnidirectional microphone gives your speaker high-quality full-duplex speakerphone functionality. Answer a call right from the speaker. Use Siri or Google Now to play your favorite music, call a friend, ask about the weather or sports scores, or remind you to call your mom. And with the optional waterproof Remote, you won't even have to leave the pool.360 Sweet SpotWith speakers on all four sides, your Fugoo Wireless Speaker delivers great sound in all directions, not just toward the front. Fill the space with music, even in party or outdoor settings where people are moving around. The speaker's upward tilt puts everyone in the sweet spot, and the symmetrical positioning cancels vibrations so the Speaker won't "walk" across the table like other speakers do.View largerLife-ProofThe same seals that make the sound so incredible also keep out water (waterproof to 3 feet depth for 30 minutes), snow, dust, and sand, so don't be afraid to take your music wherever life takes you. With sealed, non-corrosive connectors and waterproof speaker materials, your Fugoo speaker can take it. And if it gets a little muddy, just hose it off.View largerDesigned ToughWith shock-mounted components, specially reinforced case materials, and resilient end caps that absorb impacts on all eight corners, your Fugoo speaker is built to play hard. And if it takes a truly nasty fall, chances are the easily replaced slide-on jacket will take all the damage.View largerTweeters, Mid/Woofers, and PassivesThe Fugoo Speaker has six symmetrically-placed drivers. The two tweeters deliver clean highs, two mid/woofer drivers give midrange punch, and two passive radiators help bring out a full, deep bass. Together, these six drivers deliver a clean 95 dB sound pressure level, filling large rooms and outdoor areas with rich immersive sound.View largerDigital is BetterWith Fugoo's Core-X technology, the path from your music files to the amplifier that drives the speakers is digital, all the way. Other wireless speakers convert to analog too early, allowing interference from cell phones and other radio sources to get amplified and sent to your ears.View largerDynamic EQOur powerful Digital Signal Processor dynamically adjusts the bass, mid-range, and highs as you adjust the overall volume. This gives you great sound for both quiet indoor situations and outdoor situations where you can crank it up.View largerForget the WiresOf course, your Fugoo speaker is wireless no cables to connect or lose at the beach or by the pool. Play music from any Bluetooth-equipped iPod, smartphone, tablet, or PC from up to 30 feet away. And if a friend wants to play you a great new song, just one click drops you off and lets them take over.

Headphones & Speakers Deals

Amazon Coupons
g: 0 Posted By: scooterdog
Views: 166 Replies: 0 It had one 5-star review, bought it on something of an impulse (early Xmas shopping). Thought others may be interested, I had one other inexpensive $18 unit (separate remote, no gyro nor camera) and had some fun with it before one of the propellers broke.

http://www.midnightbox.com/cgi-bin/item/10049306-110?source=dail...
RC & Hobbies Deals
g: 0 Posted By: DaysFan
Views: 210 Replies: 1 linked
Tommy Hilfiger 2 Pack Anchor Print PillowsLimited-Time SpecialReg. $50.00 Was $24.99 Sale $14.99
Tommy Hilfiger Logo Pillow PackLimited-Time SpecialReg. $50.00
Was $24.99
Sale $14.99Buy 1 Pillow, Get 1 FREE!Buy 1 Get 1 FREE!

Charter Club Vail Collection Pillows$140.00 - 260.00Buy 1 Pillow, Get 1 FREE!Buy 1 Get 1 FREE

Calvin Klein Shadow Stripe Logo Pillow PackLimited-Time SpecialReg. $50.00
Was $24.99
Sale $14.99Lauren Ralph Lauren
Density Blended Pillows$120.00 - 160.00Buy 1 Pillow, Get 1 FREE!Buy 1 Get 1 FREE!Comfort Revolution Cooling Cubes Hydraluxe Gel & Memory Foam Pillow$160.00Buy 1 Pillow, Get 1 FREE!Buy 1 Get 1 FREE!special $59.99, 7-Pc. comforter sets
linked
Bella Donna 7 Piece Embroidered Comforter SetsLimited-Time SpecialReg. $200.00 - 240.00
Was $99.99
Your Choice $59.99
Comforter SetsLimited-Time SpecialReg. $200.00 - 240.00
Was $79.99 - 99.99
Celina 7 Piece Jacquard Comforter SetsLimited-Time SpecialReg. $200.00 - 240.00
Was $79.99 - 99.99
Your Choice $59.99Medici 7 Piece Jacquard Comforter SetsLimited-Time SpecialReg. $200.00 - 240.00
Was $79.99 - 99.99
Your Choice $59.99
Bedding Deals

Macy's Coupons
Microsoft Surface Pro 3 i5 128GB for 799.99 @ Staples In-Store Only
Added on : Sunday October 12th 2014 01:00:03 PM
g: 0 Posted By: limocad
Views: 221 Replies: 3 Staples has the Microsoft Surface Pro 3 on sale IN-STORE only, to stock in hand, Kiosk or online orders will not work,
as follows:

64GB, i3 processor: 639.99

128GB, i5 processor: 799.99

Above are 2 examples. They are all 20% off MSRP instantly at the register.

Check their local flyer for more details.

I bought one 128Gb for 799.99 from their Clifton, NJ store. They had 2 more left. Scan of receipt attached.
Michaels Crafts Buy One Get One FREE* Frames & Canvas
Added on : Sunday October 12th 2014 07:00:03 AM
g: 0 Posted By: DaysFan
Views: 88 Replies: 0 http://www.michaels.com
Buy One Get One FREE*Mix & Matchid from October 12 - October 18Expressions Tabletop FramesReg. $9.99 - $29.99Poster FramesReg. $9.99 - $69.99Buy One Get One FREE*Mix & MatchDisplay Cases & Shadow BoxesReg. $9.99 - $229.99Buy One Get One FREE*Mix & MatchHome & Platinum Wall FramesReg. $19.99 - $79.99Buy One Get One FREE*Mix & MatchArtist's Loft Back-Stapled Traditional CanvasReg. $2.99 - $49.99Buy One Get One FREE*Mix & Match48 SIZES
Purple Label.*Buy one item at regular price & get the second of equal or lesser value free. Excludes clearance.
Cafe Press $24 off $48+ Expires 10/14/2014
Added on : Sunday October 12th 2014 02:00:02 AM
g: 0 Posted By: selivingstonmba
Views: 94 Replies: 0 cafe press has a code for $24 off $48+ and it expires 10/14/2014. I just placed 2 separate orders last night and it worked great. Shipping was $7 standard, but still, this is a great deal!

Code is:CAJAHR1011

Last year I purchased a very unique shower curtain (http://i1.cpcache.com/product_zoom/697403944/gothic_library_wind... them and got so many compliments on Thanksgiving when I had guests. It looked much better in person and much more vibrant. This year I purchased 2 throws.For those that do not know about them, you should check them out if you are looking for something really unique for your home, etc. From the website:

cafepress is where the world's creative minds join forces to provide an unparalleled marketplace. We give you the power to createcustom productsandpersonalized giftson a variety of high-quality items such ast-shirts,hoodies,posters,bumper stickers andmugs.cafepress also allows you to set up online shops where you can design and sell your own unique merchandise. Our design tools make it easy to add photos, text, images, and even create cool designs or logos from scratch. As if it couldn't get any better, you can even find content from major entertainment partners such asThe Hunger Games,Big Bang TheoryandStar Trek as well as products dedicated tohobbies,birthdays, themilitary andmore. At cafepress we print each item as it's ordered and many products ship within 24 hours.
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Cafe Press Coupons
g: 0 Posted By: tedhawkins
Views: 168 Replies: 0 6pk Solar Pathway Lights Color-Changing LED, Crackle Glass $24 Fs @ Deal Genius

http://www.dealgenius.com/

It's time to light the path to holiday cheer with this 6 pack of Solar LED Christmas Path lights. These lights are festive, easy to install (no wiring), and their battery can charge even in the shade for lots of placement options! The full spectrum LED bulb changes colors for an extra touch of holiday fun.
nuts & bolts
High quality light output and construction
Plastic red & white striped pole
Crackle glass globe
1 spectrum color-changing LED bulb
Amorphous solar panel, charges in the shade
Easy to install-no wiring
10.5h (14.5h including ground stake), 3d globe

whats in the box
(6) Solar Pathway Lights, New in box.
Home & Garden Deals
Kingston 240GB V300 SSD $99.99 at TigerDirect in Store -YMMV
Added on : Saturday October 11th 2014 08:00:08 AM
g: 0 Posted By: spkack
Views: 115 Replies: 0 Found the Kingston V300 240GB SSD, model SV300S37A/240G marked on shelf at $99.99 at local TigerDirect store. Rang up at the register for $114.99 and manager had to do an override so not sure if this was a one store mistake or it's going on sale nationwide so YMMV. Still shows as $114.99 on their website. This was less expensive a couple months ago after rebate, but this is the lowest I think this drive has been without a rebate. I have an smaller capacity/older version and it has performed well for me for a couple years. Doing an upgrade on an older net book I have so the timing was right. At $0.42/GB and no rebate to hassle with this was a no-brainer for me. Hope someone else out there can benefit from it as well!
FS at Eddie Bauer with code. $7 clearance shirts
Added on : Saturday October 11th 2014 04:00:02 AM
g: 0 Posted By: macdough
Views: 52 Replies: 0 3 days only. Use code MIST for free shipping on all orders that include regular or sale items. This code Does Not work if you try to buy only clearance items.

My suggestion is to purchase a pop up light $15 in the sale/gear section. These are a great gift item! There are also some heavy socks for $10 that offset what you'd pay for shipping. Then youcan pick up some $7 shirts or tanks. You won't have a shipping charge this way.

If you already get EB emails, check the last few days. I had $10 gift code to use from the Friends program.
A Shade of Vampire Series, $0.99 Each on Kindle @ Amazon
Added on : Friday October 10th 2014 09:00:02 PM
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 Today only, get the entire A Shade of Vampire series for just $0.99 each. Kindle books can be read on iPad, iPhone, and Android devices with free Kindle reading apps, as well as Kindle devices

www.amazon.com/b/ref=lp_7533915011_gbsl_tit_l-1_0942_1e24e6d4?rh...
Seller Financing a Vehicle
Added on : Friday October 10th 2014 05:00:04 PM
g: 0 Posted By: crazytexan
Views: 83 Replies: 0 I apologize if this has been brought up before. It seems like something FW would have covered, but all I could turn up when searching for it was owner-financed housing. I have a truck that I've been trying to sell for the last few months. The best offers I have had (paying cash) have been around 2k. I wanted $2700. I got an offer from some one I know today for $4000, 1k down, and I finance the rest. I am not hurting for money and if I can suck more money out of this truck then great.

1. What (if any) is my liability if I am the lien-holder on the title? ex: If the driver wrecks the car, does something illegal with it, crashes it into a school for blind orphan kids, etc. I obviously wouldn't want the title in my name, so I figured I would just put a lien on the title as any financial institution would.

2. Any advice on the structuring of the contract? For example, making it easy to Repo if necessary, or something about insurance.

3. Does anyone have any experience with this kind of thing? I know it is a risk, but the $1000 down payment would be more than enough to cover any repo costs, and we are talking about a 60% increase in price, which I think justifies the risk. But I am up for a debate.
Question Deals
g: 0 Posted By: cubsfan24
Views: 112 Replies: 0 Amazon has the Howard Leight 1030110 noise blocking headphones for $16.00. They connect to any audio player with 3.5mm audio jack or just use them for noise blocking when using loud equipment. These have been this price before but they are a great value for the money. I have had mine since July and use them every time I mow.

Link
KMart Payment Card Breach
Added on : Friday October 10th 2014 12:00:05 PM
g: 1 Posted By: NEDeals
Views: 55 Replies: 1 Sears just announced that Kmart stores have had a payment systems breach. Will anyone notice?


Way to disclose this late on a Friday! Typical P.R. strategy to dump bad news.
Perhaps FWF should have a breach subforum after all.

Press Release:
http://money.cnn.com/news/newsfeeds/articles/prnewswire/CG35337....

CNBC Article
http://www.cnbc.com/id/102078876

Discussion Deals
Help me revamp my credit cards
Added on : Friday October 10th 2014 12:00:04 PM
g: 0 Posted By: MikesterRX7
Views: 4 Replies: 0 Hi -

I've got a couple good credit card offers that I'm considering, and I'm looking for some input on how to proceed.

PersonallyI have a Chase Freedom card which offers 1% back + 5% on varying categories. The 5% bonus offers some additional points, but looking at my history it never comes close to doubling my points. I make all purchases that I can on this card, and pay it off every month. I tend to rack up considerable points and use them to get gift cards every couple of months. Gift cards for places like clothing stores, restaurants, etc.

For my business I have 3 credit cards (down recently from 4). Way back when I started my business I needed a lot of credit to buy equipment that I then resold. The credit cards were an easy way to float the cost of the equipment until I got paid for it, and I always paid every month in full so paid no interest. Nowadays I feel I am floating less equipment so less need for more than 1 credit card. I could probably live with 1, but would feel safer with at least 2. I have an American Express Business Gold card with an annual fee, plus a Chase Ink and AT&T Universal Business (Citi) card. Again I rack up a good amount of charges every month and typically use points for gift cards. Although I originally though my Amex had an excellent rewards program, I now find my self hanging onto a considerable amount of points because I find their selection of gift cards to be lacking. When I book flights I find I can get better deals without using my points. I did use their warranty protection service once to cover a tablet with a cracked screen, but with all the annual fees I've paid over the years I'm not sure if it's worth it. My Chase and AT&T cards offer 1% points and do offer desirable gift cards.

I have very good or excellent credit, always get the lowest rates when needed.

I was recently offered a Citi Double Cash credit card personally which gives me 2% Cash Back in effect. This is tempting to switch to over from my Chase Freedom card so I can earn almost double the points.

I was also offered a CapitalOne Spark Business card which offers 2% back.

So, here are some questions:

- Is there a good reason to keep my Amex card? What's the most effective way to use their points? Anything under the radar I may not be aware of?
- Any thoughts on switching my personal card to the Citi? I've had great luck with my Chase so am hesitant to switch, but with the amount of money I put on the card every month the 2% is tempting.
- Same thing with my business card. I could consider getting the new CapitalOne card and keeping 1 of my existing cards, then cancelling the other 2.

I'm not one to open/cancel cards often, I'm looking to maximize the benefits I get where I can today so it will pay off over the coming years.

Any input greatly appreciated.

Thanks!

Rosetta Stone Price Drops @ Amazon, Many $159 Free S/H
Added on : Friday October 10th 2014 12:00:02 PM
g: 0 Posted By: vanheve2
Views: 72 Replies: 0 Lowest price Amazon has had on many of these in a while:

Link to Rosetta Stone Products.

Examples:
French 1-2
Chinese Mandarin 1-2
American English 1-2
Software Deals

Amazon Coupons
Big Pharma and the Price of Life
Added on : Friday October 10th 2014 08:00:16 AM
g: 0 Posted By: mrmonty
Views: 145 Replies: 2 More in line with the $100-per--pack-tylenol. I had seen the '60 Minutes' segment on how there is cancer drug price gouging, and these are the shenanigans that the ACA failed to address.

http://www.economicpopulist.org/content/big-pharma-ripoffs-cance...
Discussion Deals
Problem with ELOAN ACH - Will not give CD money back
Added on : Friday October 10th 2014 08:00:16 AM
g: 0 Posted By: kdennispirate
Views: 78 Replies: 9 I have a CD that came due on October 8, 2014. E loan is claiming their ACH is "broken" and they will not ach the money to the account I have on file with them. They also say they can not wire the money and I can not pick up the money at a branch of banco populaire. I have never heard of such a thing. They will not say when they will their ach system will be fixed but I can call sometime next week. Of course I am worried. Has anyone else had this problem
Deposits Deals
g: 2 Posted By: wizwor
Views: 470 Replies: 3 Direct from Real Simple Software, these are $199.99. Amazon lists them for $118. WalMart lists them for$147.83.

Let's start by saying this is a Simple DVR not a Silicundust HD Homerun. Silicondust happens to manufacture the devices. This is the modified two tuner model of the Simple DVR. First generation was the single tuner STV-1000 which was a kickstarter campaign. They later released a two tuner STV2-2ATSC. This device had a fan, got really hot, consumed the lubricant in the fan, got noisey, and failed. They refitted these with ventilated covers and modified the software to make the device run cooler and the fan run less. There is no way to distinguish between these models except to look for the ventilated cover. The Newegg images indicate a ventilated cover, and there is no indication that these are refurbished, so I assume this is the modified STV2-2ATSC.

This is a standalone device -- no PC is required. There is no cable card version.

This DVR requires some kind of subscription service to function. The basic version is free but limited to interactive use (watch, pause, record, etc.). The premier service let's you schedule recordings without regard to time and channel. This costs $60 per year or $150 for lifetime.

Here's a tip: If you decide you like the premier service, you can buy an STV-1000 with lifetime for less than $100 on eBay -- save $50 on the subscription and get a free dvr!

So, what is a Simple DVR? The Simple.TV DVR is a whole house Tuner/DVR for broadcast television. According to the manufacturer, Simple.TV is the first personal DVR that streams live and recorded TV to your favorite devices, wherever you are. Get all your broadcast TV favorites on your iPad, PC, Mac or Roku box. It plugs in to your antenna, ethernet, and usb drive, but not your television. To watch the Simple DVR on your television, you need a Roku. Up to five devices can access live or recorded programming concurrently, but there are only two tuners, so all people watching live programming must watch the same channels.

What Does This Do? In the most common configuration, you attach the DVR to your antenna and LAN and use a Roku to access the DVR from your television. You can use the tuner to watch live television from your antenna or play files already stored on the DVR. You can pause, rewind, or fast forward the programming, delete files from the DVR, and schedule recordings (one episode or all episodes) with the Roku. If you have more than one DVR, you can switch from one DVR to another.

Remote access is excellent. Image quality and buffer management are good enough to enjoy live and recorded programming via public wireless networks. My mother can use my antenna to watch broadcast television via a Roku at her home which has poor reception. There are iOS, Android/Kindle Fire, Windows 8, and Plex apps for the Simple DVR. I cannot speak for the iOS app, but the Android app is amazing. The Plex app only supports playback (no live tv or file management), but you can use it to watch your recordings on many devices including the Amazon Fire TV.

What Doesnt This Do? With the current software, you cannot watch the video as you rewind and fast forward and there is no slow motion or frame by frame review. You cannot do time based recordings (record channel 38 from 3pm to 8pm weeknights). Id really like to see a Play All and/or Play List option for recordings and it would be great if the Premier software managed all DVRs as one choosing the next available tuner, showing all programs in a single browse window, etc. Finally, and this is a big deal for me, it doesnt work at all when you have no internet connection. It will record scheduled shows, but you cannot watch live tv or your recordings.

This is NOT for cable TV. While the STV-1000 officially supports Clear QAM, this model does not.

Support I have been very disappointed with Simple support. The documentation is sparse, the support site is inaccurate, and email support is sporadic. Worse, they dont seem to know any more about the product than I do. The best help has come from the user community. I hope this changes. Its easy to see how nontechnical users could become frustrated.

Installation The setup process is very straightforward. You have to use specific browsers to configure the device. I have used Chrome and Firefox. Internet Explorer does not work. It seems that security software can interfere with the process as well. Security settings and ad-blockers can cause problems with the discovery and configuration process.

- Plug DVR into your network, a usb disk, and your antenna
- Open your browser to [url]http://simple.tv[/url], sign into your account (or create an account)
- Activate your lifetime subscription
- Click Activate Your DVR
- Select the DVR to register
- Prepare your disk
- Scan for channels

Downloading Recordings This DVR allows you to download recordings as MP4 files. The recordings do not look as good as the files look played directly from the DVR.

You Will Love the Simple DVR If

- Your home is situated such that television signals come from multiple directions. Instead of using a rotor or combiner, you can install one or more DVRs for each market and access the antennas via a Roku.
- Your home is not pre-wired with coax. Run coax from the antenna to your router and install the Simple DVR(s) next to the router.
- You have to have a television where no one thought to install coax. A Roku brings live tv to your remote television.
- You want to watch tv by the pool or on the deck. Simple can stream to a laptop, a tablet, or a wireless Roku by the pool.
- Your remote vacation home does not have television but does have internet access.
- You travel a lot and hate infomercials.
- All your favorite shows air when you are at work.
- You want to share antennas with a friend in a different market

You May Not Love the Simple DVR If

- You have poor broadcast reception
- You need visual cues when fast forwarding or rewinding a program
- You have a poor network in your home

I love the Simple DVRs. After two months with the dual tuner Simple DVR, I give it two enthusiastic thumbs up.

Happy shopping!
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Newegg Coupons
How to Buy a Car With No Cash, No Credit and No Time?
Added on : Friday October 10th 2014 06:00:12 AM
g: 0 Posted By: mwa423
Views: 61 Replies: 7 A buddy of mine came to me a few weeks ago, drives a 2004 Mazda 3 with 161k miles and he is starting to think that putting additional money into it would be throwing good money after bad. We talked, I helped him map out a budget and the type of car payments he could afford thinking while his credit wasn't good, we could probably get him in somewhere at 10-15%. Not good, but hopefully re-fi out after a couple years of good payments. The reality is that he hasn't been able to get approved by any banks he has talked to (including USAA, Navy Fed, etc.). I'm not sure if the retail businesses just won't touch his level of credit, even though I know that banks like Wells Fargo Dealer Services take some rough subprime credit.

An additional problem is that he had (has?) a title loan on his current car, his plan was to just trade it in and let the dealer pay it off.

After a lot of searching, he found a few cars he was interested in, several older models which were under $5k but he thought were good buys. The obvious downside is most banks wouldn't accept those cars (due to age) as collateral on an auto loan (2001, 2002, 2003, etc.). He also doesn't have the cash in the bank to pay cash for these vehicles and has been turned down for personal loans from banks (including prosper and lendingclub).

Engine blew this weekend and the car is probably toast (don't know all the details). At this point, it is unlikely he has any significant amount of cash (probably less than $1,000 in his checking account), credit is poor (only one credit card with a $500 limit, $0 cash advance ability). I don't want to tell him to go hit a dealership and get screwed on 25% financing and get caught back in a debt trap and I really don't want him rolling to a buy here-pay here joint. But what other options can I suggest? The only one I can think of is to send him to adealership, talks like he'll pay cash, negotiate price and allows them to offer financing. See what they can get him.
Personal Finance Deals
g: 0 Posted By: brmeadows
Views: 220 Replies: 2 Oakley Vaulthas two versions of their popular Frogskin line, these are the Limited Edition Frogskinby Oakley.

The two colors are:
Espen Green withEmerald Iridium lenses and
Basin Red withPink Iridium

Compare at 110.00 at Amazon.com

These lenses are non-polarized,Oakley lenses are interchangeable in the same frame family.
I prefer the non-polarized lenses when trying to read LED displays, polarized are helpfully in high glare environments.


Limited Edition Frogskins Summit Collection
IMPORTANTNOTE: Not a clearance item. Ninety day return policy applies.The classic cool of a vintage eyewear design takes style off-road with the colors of wind-blasted and sun-bleached 4WDs, the rigs that wheel attitude to high altitude. Our very first dual-lens shades, Frogskins offer all the clarity and protection of High Definition Optics, along with the comfort of lightweight and stress-resistant O Matter frame material. With hues named for areas and features in the Rocky Mountains, the five available designs have a matte finish and Oakley logos from yesteryear to honor the origins of style and originality.Lens colors were carefully chosen to complement the fresh frame hues. The Aspen Green frame comes with Emerald Iridium lenses that help you maintain color recognition by balancing light on sunny days. In the Pikes Gold and Mesa Orange frames, Fire Iridium lenses enhance visual contrast and improve depth perception, and the lens color is tuned for bright sun. The same benefits apply to the Blue Iridium lenses in the Artesian Blue frame, and the lens color works best in bright light. For the Basin Red frame, we chose Pink Iridium to give you better contrast in weak sunlight. Frogskins aren't just for leading todays look with smooth retro style. They carry premium optics, courtesy of Plutonite lens material that maintains superior clarity while filtering out all ultraviolet light not justUVAandUVB. And with OakleyHDO lenses featured in every frame, youll have sharp and accurate vision with optical performance and impact resistance rated atANSIZ87.1, the high mark of todays standards.Each sunglass comes with a Microclear masterpiece a storage bag with custom Oakley art. A special textile ensures its gentle on lenses, so its handy for keeping the optics clean.

Frame:

Durability and all-day comfort of lightweight, stress-resistant O Matter frame material
Classic logo highlight on each ear stem

Lenses:

High Definition Optics for clarity, visual fidelity and impact resistance that meets allANSIZ87.1 standards
XYZOptics to extend clarity to the edge of a wide peripheral view
UV protection of Plutonite lens material that filters out 100% ofUVA/UVB/UVC& harmful blue light up to 400nm
Iridium coated lenses that reduce glare and balance light transmission

Accessories:

Included: Collection specific Microclear bag for storage and lens cleaning

Sunglasses Deals
g: 0 Posted By: serenity22
Views: 38 Replies: 0 LINK

$90 at amazon
4.1/5 stars 436 ratings 205 5-star 25 1-star
The first two (long) reviews are worth reading



Brushed stainless steel housing is compact and counter-friendly at a 0.35 cubic-foot capacity
7 functions in 1: Toast, Bagel, Sandwich, Bake, Broil, Leftover and Keep Warm
Always Even Toast Shade Control offers consistent results slice after slice
Easy-clean nonstick interior includes convenient hands free auto-slide out rack, removable crumb tray
Includes baking tray, broiling rack and recipe book; limited 3-year warranty

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Staples Coupons
account error, sue them???
Added on : Thursday October 09th 2014 10:00:06 PM
g: 0 Posted By: ynotme
Views: 29 Replies: 1 Ok, so I posted about the case where I terminated the contract and got sued.

well I lost the case and ready to pay but something came up.

I was doing my taxes few weeks back found out that company cashed a check for wrong amount, it was $55 but they charged $551 because when I put the dollar amount I put the slash 55/xx but in the words I put "Fifty Five 00/xx---------"
Now I can just call them and ask for the difference but since we had case going on I'm thinking about taking it to court.
worth it? stupid? will lawyer take this case?

this happend may 2013, and I have the copy of canceled check

TIA
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 58 Replies: 0 16.0-megapixel, 1/2.3" CCD sensor
With a primary color filter captures high-resolution images up to 4608 x 3456 pixels.
30x optical/7.2x digital/216x total zoom
Through a 4.3-129mm (35mm equivalent 24-720mm) Fujinon lens for precise zooming and accuracy.
3" TFT-LCD monitor
With approximately 230K dots and approximately 97% coverage makes it easy to clearly compose and review your shots.
Movie mode
Enables you to record stunningly smooth and detailed video clips in up to 720p (1280 x 720) resolution at 30 fps, so you can easily preserve special moments.
Sensor-shift optical image stabilization
Reduces image blur caused by camera shake and vibration. ISO up to 6400 offers improved image capture in low-light conditions.
Scene Recognition Auto mode
With 6 preset scenes recognizes the subject that you're shooting and automatically adjusts the settings to optimize picture quality. Sport, portrait, baby, smile, landscape, night and other modes provide flexibility.
Continuous shooting mode
Lets you capture up to 40 frames at 8 fps, so you can take shots of dynamic, fast-motion sequences as they unfold.
White balance modes
Include fine, shade, fluorescent light (daylight), fluorescent light (warm white), fluorescent light (cool white), incandescent light and custom to help you achieve natural tones under a diverse range of lighting conditions.
Built-in auto flash
With auto, forced flash, suppressed flash and slow synchro modes delivers efficient illumination, so you can take properly lit shots. The red-eye reduction modes promote natural-looking eyes in portraits.
TTL (through-the-lens) contrast autofocus
With single and continuous modes helps you capture sharp, blur-free images.
Mode dial
Allows you to easily select a variety of shooting modes.
PictBridge capability
Makes it simple to print images from a compatible printer.
Card slot
Supports Secure Digital, Secure Digital High Capacity and SDXC memory cards (8GB Secure Digital High Capacity memory card included), so you can store plenty of photos and videos.

www.bestbuy.com/site/fujifilm-finepix-s4830-16-0-megapixel-digit...
Cameras Deals

Best Buy Coupons
Job Related Issues - How to Tackle?
Added on : Thursday October 09th 2014 05:00:04 PM
g: 0 Posted By: WalletFatKing
Views: 154 Replies: 2 Hello Members,

This forum has been very helpful for discovering many thing financially for me, though I have not been a member. Here I am with my own first post. I always appreciate your inputs. Please do not feel I am whining, I am just telling the truth to get some answers.

My Work Place:
-I work for a small sized federal agency as a mid level database dev/admin for their IT department. I am in early 30s.
-Too much nepotism at workplace. Unqualified friends of managers get promoted and gets 80% raises! (Ex: a 70 year old forever Admin Assistant was promoted to Development Architect etc and many more cases like this). No justification! tax dollars man!
- After recession, this year they expanded our department hiring 10 new IT managers which makes- 75% of department of managers, but they always have said no budget for technical folks. (we have 95 people in IT total)
-Built a tedious hierarchy where I have 8 levels to reach to the CIO. Each level manages just only 1 person - they just wanted to promote their friends.
-Our architects are clueless of how IT functions and applications are run in the real world. They just buy services from bad/worst consultants/contractors who are their friends.
-All non manager tech staff are pissed off at this mega mismanagement! but it's government and they are sticking to their job!

Myself:
-They know that I am well qualified and smart, but they try to ignore me a lot! But come to me to get work done!
-My coworker (business analyst) (manager's friend+0 tech knowledge) was promoted to be my manager and created another layer in hierarchy. He manages only 1- Me! lol!
-He does not know much about databases, but now wants to know everything what I do. Asks to be cced in all e-mails and instructs that I have to pass all ideas through him before implementing.
-Sets up meeting every week and asks me to tell him about what I did and teach him to do things. Explicitly tells me that he wants to learn- off course will not give me any credit.
-tech people used to be part of all business meetings before, but now they do not include us techs in business meetings, but just create another meting with just us and them managers and ask us how to do things (no technical folks are included in meetings)
-Not really any manager/mentor at my work place to trust and ask for advise, but just co-workers in the same boat.
-All my co-workers feel this way, so it's just not me.

Compensation:
-Decent compensation ~$95k, with pension plan and healthcare.
-No raises in last 5 years for technical folks- we had to decrease our pay by 7% for mandatory retirement contribution- so net negative salary growth in last 5 years.
-work-life balance is awesome!
-Does not learn much at work as there are strong opposition to best practices, but just shortcuts suggested by bad consultants.
-should I find a job outside, would have to move (uproot wife's career) or be a consultant and travel a lot. We just had a baby!
--------------------------

-What can I do in my situation (more experienced people, please advise)
-Sucking up and staying at work- how do I tackle these problems? specifically when he asks me to teach him and cc him in all e-mails.
-How to stay positive in this environment? - I understand every work place has some politics, but it too much here with no reward.
-I have been in gov IT for 7 years now, is it time to move? I believe I still have not lost my skills!
-What skill sets should I acquire to go up the ladder? like PMP etc??
-Overall IT market is getting outsourced all over- should I change my line of work or get an MBA? scared of student loans and time off with no pay!

Thank you for your inputs.






New User Question Deals
g: 0 Posted By: vanheve2
Views: 172 Replies: 0 Currently $5.99 + Tax at Walgreens.

Had been going for $8-$10 on Amazon last 3 months.

​LINK to the Wipes

List Price: $19.03 Price: $3.62&FREE Shippingon orders over $35. You Save: $15.41 (81%)


Home & Garden Deals

Amazon Coupons
Massive T-Shirt Clearance, Tanga, $6.75 each/F.S.
Added on : Thursday October 09th 2014 02:00:04 PM
g: 0 Posted By: Marvinomatic
Views: 88 Replies: 0 https://www.tanga.com/deals/massive-t-shirt-clearance Free Shipping, No coupon needed

(They give superior cust svc, bought a few shirts from them. The shirts are excellent. I had a problem with one, and they refunded my money!)

Right now "127" hrs left, til Targa blows up!
Clothing Deals

Tanga Coupons
Where can I get the best APY for 5 months?
Added on : Thursday October 09th 2014 10:00:17 AM
g: 0 Posted By: tannerjimmonen
Views: 131 Replies: 2 Hello everyone I have had credit cards for the past few years now.. keeping up with my balance and everything is great!

I've decided that come March of 2015 I want to finance a $25,000 car and put as much down on it as possible and I need some advice.. (I plan to keep this car as long as possible.. I've looked into leasing and I decided purchasing is a better investment.)

My situation:
I will begin saving $500/month starting in November and ending March which should leave me with $2,500.. I will of course be trying to save more than $500 if possible leaving me with hopefully $3,000 for my down payment. + My tax return..

I want to take this money every month and deposit into an account that is gaining interest.. But I do not know where to go or what my best options are.. CD's offer a low return.. especially for only saving 5 months.. and you can forget the .80% APY of your average savings account

My question is.. Where do I put my money for the 5 month period? The higher the APY the better.
Personal Finance Deals
Free Kindle Book- The Tango Zone: The Brave Lovers' Tactical Field Guide
Added on : Thursday October 09th 2014 09:00:08 AM
g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/gp/product/B00HH1TYJ8

Welcome to The Tango Zone

You often hear couples rant about their wild and amazing sex life. How they had sex on a beach in Cancun, made love in the elevator on the way to the show, did it like crazed minks in the car wash, or even joined the exclusive Mile High Club aboard a rocketing airplane.

But what exactly is involved in accomplishing these great feats of unbridled passion?

What about the risk?
What happens if you get caught?
What about the law?

The Tango Zone goes where no book has ever gone before. Exploring 15 of the most amazing sexual feats on the planet, taking readers deep into mystery and to the very edge of passionate danger.

The Tango Zone: the brave lovers tactical field guide includes:

1. Sex On A Beach
2. Hayloft Heaven
3. Lay Me Down In a Field of Plenty
4. Rocking The Boat: Sex In A Canoe
5. The Alley Cat Hustle
6. Shaking The Treetops
7. How Deep Is Your Love: SCUBA Sex
8. Love In An Elevator
9. The Horseback Giddy-up
10. Dashboard Delights
11. The Car Wash Rush
12. Mountaintop Bliss & The Climbing Spider
13. The Mayan Hammock
14. Mile High Club Membership Flight Rules
15. The Big Score: Sex On A Zamboni

Written by outdoor adventurist DJ Johnson and based on over 20 years of research experience, each entry discusses in detail the parameters involved in these feats of daring passion accomplished safely, within the law, and with consideration for both partners. Theres even a Laurel Scale of Orgasmic Thrill, The Eiffel Tower TZ Awards system, a guide to sexual positions, and a glossary.
Even if you would never dare it in a thousand years, The Tango Zone is a laugh-out-loud fantasy thrill-ride that you and your partner wouldnt want to miss.
How exactly would you go about making love while dangling from a cliff at 12,000 feet?
Check out The Tango Zone and see.

NOTE: This book is intended for a mature readership. Parental Discretion is advised.


also

Funny Sutra - Gluten Free Edition
http://www.amazon.com/gp/product/B00N49QBJ8

Kama Sutra, Ananga Ranga, Perfumed Garden and the others... None of them managed to give their readers the happiness they deserved. Why?
Funny Sutra was written in search of an answer to that question. The Funny Sutra Team had to make love with everyone from pristine African jungles to Chinese Steppes, from the massage parlours of Philippines to Denmarks brothels. This magnificent team sacrificed themselves just for the world to be a happier place and made love to beautiful women and handsome men, non-stop day and night. Their lives changed so drastically that they cannot enjoy their soups without doing the two shallow - one deep spoon strokes.
But their efforts were successful and Funny Sutra was born. The smile is waiting to blossom on your lips as 101 illustrated positions. Thats right; the treasure which will bring you happiness is a click away. If you miss this chance, you no longer have the right to complain about how miserable your love life is!...
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: buringsnow
Views: 81 Replies: 0 I went to see a doctor a month ago, got4 prescriptions in 2 weeks. Pick them upat local pharmacy, but a month later I got two package from CareMark,in the package I got the same medicine I already had and a letter said I need to pay Caremark XX dollars for them. Called Caremark, the reps said, the doctor sent them the prescription electronically, that's why they sent me the package.If it'sthe doctor sending the same prescription to two different pharmacy, it's doctor's fault, but I still need to pay them. Then I went to doctor's office, the nurse said because I had 3 pharmacy in my account and the caremark is the default one, probablydoctor sent to the local one,and someone else resentit to the caremark too.They won't take responsibility for what happened, and I need to pay what Caremark asked. Do I really need to pay for that? It's not fault at all! And the Caremark can sent the medicine to patient without notice? What if the medicine is too expensive and I can't offer it? Really scared of this system, seems like doctor sent out anything I will have to buy it.
Personal Finance Deals
Son broke neighbor's water main - I owe them a brand new pipe?
Added on : Thursday October 09th 2014 06:00:14 AM
g: 6 Posted By: harmlessbunny
Views: 289 Replies: 26 Neighbor had tree removal guy dig up and remove a dead tree, leaving a hole with the water pipe from the street to the house exposed.

Son went into neighbor's yard to grab logs for his fort, got startled by the neighbor and dropped a log on the pipe. Pipe started leaking (85 year old house, galvanized pipe, these things are breaking all over the neighborhood as they corrode). My wife saw the whole thing happen. Later talked to tree removal guy and he said he was nervous working around an old pipe like that and was glad we broke it and not him, for whatever that's worth.

Neighbor wants us to replace the whole pipe - $2,000. Their plumber says galvanized pipe can't be fixed. My plumber is saying it's so old it should be replaced but he can stop the leak for less than $200. I want to offer $200 to fix it. The neighbor can live with a non-leaky pipe or apply that $200 to the replacement if they want.

If I get tons of red, that tells me to pay the $2,000 to make nice with the neighbor, if nothing else. I'm not going to file homeowner's claim, regardless.

Thoughts?
Personal Finance Deals
Amazon daily deal : low prizes on toys & games
Added on : Thursday October 09th 2014 05:00:05 AM
g: 0 Posted By: supercalifragilistic
Views: 144 Replies: 0 Great to pick up an assortment of toys & games for birthday gifts and such. The Camels show prices to be at or near to lowest.

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Product (Recommended) Age Range Price Usually Around Classic Etch A Sketch Magic Screen 36 months - 10 years $7.49 $14 Simon Swipe Game 8 years and up $12.99 $15 Clue The Classic Edition 8 - 20 years $11.99 $18 Rock 'Em Sock 'Em ROBOTS Game 6 - 9 years $13.49 $17 Classic Yahtzee 8 - 15 years $7.99 $10 Mille Bornes Card Game 7 years and up $8.99 $12 Super Spirograph Kit 8 - 15 years $23.99 $35 POOF-Slinky - Metal Original Giant Slinky in Box 5 - 15 years $7.19 $8.50 Lincoln Logs Shady Pine Homestead 36 months - 5 years $23.99 $26 Sorry Classic Edition Board Game 6 - 15 years $11.99 $16.50 Tinkertoy 65 Piece Essentials Value Set 36 months - 15 years $13.79 $16.50 Rubik's Cube Game 8 years and up $6.99 $10 Simon Swipe Game 8 years and up $12.99 $15 Risk 1959 8 years and up $20.99 $27 POOF-Slinky - Collector's Edition Original Slinky Dog 36 months - 8 years $13.20 $16 Rubik's Cube Game 8 years and up $6.99 $12 NFL Electric Football 8 years and up $47.99 $??? Camelot The Build Board Game 13 - 15 years $23.99 $34

Toys & Hobby Deals

Amazon Coupons
LG - 21.5" IPS LED HD Monitor $139.99 w/FS @ Best Buy
Added on : Wednesday October 08th 2014 10:00:15 PM
g: 0 Posted By: ctgolfer
Views: 195 Replies: 0 Ultrafast 5 ms response time
Allows pixels to change colors quickly to avoid streaking, blurring and ghosting in fast-moving scenes and video games.
21.5" flat-panel LED
Offers a large, clear display. VESA 75mm x 75mm compliance allows simple wall mounting (with optional mounting kit, not included).
Mega contrast ratio (1000:1 original)
Provides a high number of shades between black and white for accurate color reproduction when displaying images with extreme differences between light and dark.
250 cd/m brightness
Delivers crisp, highly visible on-screen images.
1920 x 1080 maximum resolution in 16:9 format
Creates stunning picture details, so you can enjoy vibrant high-definition visuals.
178 horizontal and vertical viewing angles
Let you clearly see the screen from multiple vantage points.
HDMI with HDCP and VGA (D-sub) interfaces
Allow simple connection of both digital and analog devices. A headphone output enables connection of a compatible pair of headphones (not included), so you can listen to your media privately.
Flicker Safe technology
Ensures smooth, flicker-free images.
Picture mode
Along with intelligent auto (auto resolution), a reader mode and a dual smart solution (dual Web/dual display) offers enhanced, versatile functionality.
3H antiglare screen treatment
Allows clear viewing in bright light.
PC and Mac compatible
For use with your existing computer.

www.bestbuy.com/site/lg-21-5-ips-led-hd-monitor/3829002.p?id=121...
Monitors Deals

Best Buy Coupons
g: 0 Posted By: vanheve2
Views: 32 Replies: 0 Been looking for a new stove for my parents for a while and this seemed like a good deal on a highly rated stove with good features.
Discover Card has 5% CashBack this Quarter at Sears.
Get another 3% CashBack on FW or 5% CashBack at ShopDiscover.
Potential for 10% CashBack!

MSRP: $700
Product Site
SEARS Link
Sale Price: $548.96
Coupon: SEARS50 for $50 Off!
Delivery: FREE
Check your SaveYourWay Coupons...I had a "$50 back in points" one on appliances over $499, which somehow gave me $74 total points on this order.

Total: $498.96 plus tax
Discover 5% Cash Back $24.95
ShopDiscover: $24.95
SYW Points (YMMV) $74.00
Net: $375+ Tax ($445 + tax without SYW Bonus)

Mfr. Model:#JB650DFWW
Receive a FREE 8-Pc. Gift with $27 Clinique purchase @macys.com
Added on : Wednesday October 08th 2014 07:00:02 AM
g: 0 Posted By: DaysFan
Views: 0 Replies: 0 http://www.macys.com
http://www1.macys.com/shop/product/receive-a-free-8-pc-gift-with-27-clinique-purchase?ID=1641741&CategoryID=58476&cm_kws=1641741

Receive a FREE 8-Pc. Gift with $27 Clinique purchaseWeb ID: 1641741Product DetailsReceive a FREE 8-Pc. Gift with $27 Clinique purchase. Get your fall favourites, plus an exclusive look. Choose Nudes or Violets. Gift includes:

Cosmetics Bag: This travel bag is the ideal place for your pretty portables.
Mini Cosmetics Bag: To keep must-haves on the go.
All About Eyes, 7 ml: Lightweight, hydrating cream-gel diminishes the look of puffs and undereye circles.
Dramatically Different Moisturizing Lotion+, 30 ml: Reformulated to strengthen skin's own moisture barrier by 54%.
Clinique Colour Compact: Eye shadow duo plus a super-wearable blush in an exclusive compact. Choose Nudes or Violets.
NUDES COMPACT: All About Shadow Duo in Neutral Territory & Soft-Pressed Powder Blusher in Fig.
VIOLETS COMPACT: All About Shadow Duo in Jammin' & Soft-Pressed Powder Blusher in New Clover.
Different Lipstick, 0.14 oz: A pop of smooth, vibrant, just-right colour for lips. Angel Red comes with the Nudes Compact and A Different Grape comes with the Violets Compact.
Lash Doubling Mascara in Black, 0.14 oz: Double the lashes, half the time and twice the fun.
Clinique Happy Perfume Spray, 4 ml: Wear it and be happy.
A $70 value
Your gift will be added automatically at checkout. Minimum purchase amount does not include the purchase of gift card(s), tax, shipping or gift wrap charges. One gift per customer. Available while supplies last.

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
2015 Health insurance price hikes
Added on : Wednesday October 08th 2014 06:00:13 AM
g: 0 Posted By: brucesprings
Views: 0 Replies: 0 I need some help withcosts wise which coverage to get. I know without knowing the actual things I will need it can be a gamble but I would like some opinions. I have had the gold plan for years and I insure my 2 kids. This plan is going from $3500 to $6200 which would be around $125 a paycheck. It has a $1200 deductibleand a $4800 co/in max . If I switched to the silver plan my cost would be $1600 with a $3000 deductible and 44500 co/in max . The other difference that I can see is prescription is not covered until you hit co/in max. How does HSA work in relation with FSA as silver works with HSA account where gold does not?
KeyBank $200 for Checking Account - Between 9/29/14 and 12/5/14
Added on : Wednesday October 08th 2014 06:00:13 AM
g: 0 Posted By: iago
Views: 35 Replies: 0 LINK

Open a qualifying KeyBank checking account1 online or in branch and enter offer code ONFT0914 by 12/5/2014 and make at least $1,000 in cumulative direct deposits within 60 days after account opening.

...Can getting $200 really be hassle free? Pretty much. Between 9/29/14 and 12/5/14, you must open a KeyBank Hassle-Free Account or another qualifying KeyBank checking account and make at least $1,000 in cumulative direct deposits within 60 days after account opening. In addition to the KeyBank Hassle-Free Account all other personal checking accounts except the Student Checking Account qualify for this offer. Normal account service charges apply to these other checking accounts. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit one gift per qualifying account. Limit one gift per individual. The value of your gift will be reported on Form 1099-INT. Your gift will be deposited into your account within 90 days of meeting requirements. Offer is not available to individuals who have had a KeyBank checking account in the last 12 months. Employees of KeyBank, its affiliates, and subsidiaries are not eligible for this offer. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Accounts overdrawn or closed at the time of gift fulfillment are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No Access are excluded from eligibility. Offer is subject to cancellation without notice and cannot be combined with any other offer. Other miscellaneous charges may apply.2 You must be enrolled in Online Banking and have downloaded the Key Mobile App. Mobile Deposits may only be made using KeyBank's native mobile application, available for iPhone, iPad, and iPod Touch, AndroidTM and Amazon Kindle mobile devices. There is a fee for this service. iPhone, iPad, and iPod, Touch are registered trademarks of Apple Inc. All rights reserved. AndroidTM is a trademark of Google Inc. Use of this trademark is subject to Google Permissions. Amazon, Kindle, and Fire are trademarks of Amazon.com, Inc. or its affiliates.MasterCard is a registered trademark of MasterCard International Incorporated.
Deposits Deals
Stila Best of Black Holiday Gift Set - $55.20 AC + FS @ Stila
Added on : Wednesday October 08th 2014 04:00:08 AM
g: 0 Posted By: st4rdust
Views: 128 Replies: 0 Stila has their Best of Black Holiday Gift Set on sale for $69.00 - coupon code "WELCOME" =$55.20.

Includes:

Jewel Eye Shadow - Black Diamond (smoky, shimmery black)
Smudge Stick Waterproof Eye Liner - Stingray (jet black)
Stay All Day Waterproof Liquid Eye Liner - Intense Black (jet black)
Major Major Mascara (jet black)
Pave & White Gold Pyramid Bracelet by BaubleBar
$10.00 BaubleBar.com Gift Card
White Gold Gusset Clutch

Beauty Deals

Stila Cosmetics Coupons
Diamondback Venom 20" BMX bike $112 shipped at Amazon
Added on : Tuesday October 07th 2014 08:00:02 PM
g: 0 Posted By: arribasn
Views: 149 Replies: 0 MSRP is $300, even REIoutlet has it for $240 and woot sellout had it for about $50 more earlier this year. Stock up now for Christmas.
Department store price for a decent intro bike into freestyle BMXing
http://www.amazon.com/Diamondback-Bicycles-Venom-20-Inch-Wheels/...

Hi-Ten Steel frame w/Mid BB
Tubular Chromoly 3 piece cranks
Cassette Rear Hub w/9t driver
Tektro 907 Brakes
DB Sound Pedals

Diamondback Deals

Amazon Coupons
hlep- Apt Managemet wont provide reciepts for work done after moveout
Added on : Tuesday October 07th 2014 06:00:07 PM
g: 0 Posted By: ebestbuy
Views: 58 Replies: 0 I am in Texas.
I moved out of apartment 2 months back. I got the final move out dues 650$( with in 30 days). I had 350$ in security deposits.
Damages they claimed was 2 rounds of pest control and cleaning (around 450$) and 200$ for resurfacing a kitchen counter top.
I contacted them and asked to provide receipts, the manager said she will get them some time(that was a month back). I reminded recentlythat I need receipts to pay the dues.
But she replied saying she don't have and demanded to pay asap or will go to collections.
I googled but did not find much help with receipts. can anyone had experience if theyMUST provide receipts for the workdone after moveout or is it optional in Texas.
thanks in advance.
Question Deals
g: 0 Posted By: fivetalents
Views: 237 Replies: 0 Receive a FREE 8-Pc. Gift with $27 Clinique purchase.Web ID: 1641741. A $70 value. Your gift will be added automatically at checkout. Minimum purchase amount does not include the purchase of gift card(s), tax, shipping or gift wrap charges. One gift per customer. Available while supplies last. Free Shipping at $50+.

www1.macys.com/shop/product/receive-a-free-8-pc-gift-with-27-cli...

Get your fall favourites, plus an exclusive look. Choose Nudes or Violets.
Gift includes:
Cosmetics Bag: This travel bag is the ideal place for your pretty portables.
Mini Cosmetics Bag: To keep must-haves on the go.
All About Eyes, 7 ml: Lightweight, hydrating cream-gel diminishes the look of puffs and undereye circles.
Dramatically Different Moisturizing Lotion+, 30 ml: Reformulated to strengthen skin's own moisture barrier by 54%.
Clinique Colour Compact: Eye shadow duo plus a super-wearable blush in an exclusive compact. Choose Nudes or Violets.
NUDES COMPACT: All About Shadow Duo in Neutral Territory & Soft-Pressed Powder Blusher in Fig.
VIOLETS COMPACT: All About Shadow Duo in Jammin' & Soft-Pressed Powder Blusher in New Clover.
Different Lipstick, 0.14 oz: A pop of smooth, vibrant, just-right colour for lips. Angel Red comes with the Nudes Compact and A Different Grape comes with the Violets Compact.
Lash Doubling Mascara in Black, 0.14 oz: Double the lashes, half the time and twice the fun.
Clinique Happy Perfume Spray, 4 ml: Wear it and be happy.
Health & Beauty Deals

Macy's Coupons
g: 0 Posted By: Electricview
Views: 431 Replies: 0 I realize this may not be every single WalMart store, but I was at the WalMart store in Renton,WAand theyhad weber E-210 and I believe the Q320's for 349.99 (marked as clearance?) down from 399.99.. I realize this ismore so luke-warm than hot, but webers RARELY go on any kind of sale, so I thought I'd point it out! Check with your local store, I'm sure its YMMV.

Home & Garden Deals

Walmart Coupons
Free Nicotine Patches for Medi-Cal Recipients - California
Added on : Tuesday October 07th 2014 12:00:05 PM
g: 0 Posted By: CatfishKelly
Views: 61 Replies: 0 Call 1-800-No-Butts (1-800-662-8887 7am - 9pm Mon - Fri, and 9am- 5pm Sat and Sun) and have your Medi-Cal ID card ready. Give them promo code 22.

They used to also have a deal where if you sign up to get their smoking cessation package and do a phone interview with a counselor, that they would send you a gift card. I got one a while back, and I think it was for around $25 and I had my choice of a couple of places. I think mine was Wal-Mart. So, ask if they are still doing the gift cards, too.

You do have to have Medi-Cal health insurance to get either one.
Limited Eligibility Deals
Weber Spirit E-210 (and Q3200?) 349.99 walmart B&M YMMV
Added on : Tuesday October 07th 2014 12:00:02 PM
g: 0 Posted By: Electricview
Views: 11 Replies: 0 I realize this may not be every single WalMart store, but I was at the WalMart store in Renton/WA had weber E-210 and I believe the Q320's for 349.99 (marked as clearance?) down from 399.99.. I realize this more so luke-warm , but webers RARELY go on any kind of sale, so I thought I'd point it out! Check with your local store, I'm sure its YMMV.
Groupon Voucher Class Action Settlement
Added on : Tuesday October 07th 2014 05:00:10 AM
g: 0 Posted By: wonderwoman1978fl
Views: 95 Replies: 0 Just called Groupon to ask about some super old vouchers that I never used. Found out vouchers purchased from Nov. 1, 2008 and Dec. 1 2011 can receive a refund for expired vouchers. I asked the rep can she look my old vouchers and tell me which ones fell into that time frame and I had 4 of them. The rep said I could call 1-800-5891256 or go to grouponvouchersettlement.com

Discussion Deals
Deneve Solar Flagpole Light $44 AC Amazon FSSS
Added on : Monday October 06th 2014 10:00:05 PM
g: 0 Posted By: vorpil
Views: 174 Replies: 1 I've been a subscriber to a mailer from a company called Deneve. Today's issue had the following deal which I did a search on and found nothing:

"To help you celebrate Columbus Day 2014 as a flag holiday, Deneve is offering 20% off of our #1 top-rated top-mount solar flagpole light on Amazon!"

Product Link: http://www.amazon.com/Solar-Flag-Flagpole-Light-Deneve%C2%AE/dp/...

Promo Code: COLMBS14

$54.99 - 20% off = $44 with Free Super Saver Shipping

According to price comparison sites, this is the lowest price for this product in nearly 4 months.

Electronics Deals

Amazon Coupons
Amazon Prime Members: 50% your FIRST Subscribe & Save
Added on : Monday October 06th 2014 09:00:04 PM
g: 36 Posted By: arrnanixtreme
Views: 3783 Replies: 20 This offer is for paid Amazon Prime members only (not Prime trial members),save 50% on one item in your new Subscribe & Save order with promo codeSNSPRIME.
You must have not had a S&S subscription for the past 6 months (aka since April 2014).

Details and qualifying items:http://www.amazon.com/b/?_encoding=UTF8&camp=1789

Edit: thanks to gkreitman for noticing this, the code seems to have been changed to PRIMESNS
Services Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 301 Replies: 1 https://www.nordstromrack.com/shop/product/567468/bcbgmaxazria-bcbgmaxazria-katrina-one-shoulder-evening-gown?color=GARDENIA
linked
BCBGMAXAZRIA BCBGMAXAZRIA Katrina One Shoulder Evening Gown$37.20$248.0085% OffShipping & Returns

Ships Fast. Ships in 1 - 2 Days from HauteLook
This item qualifies for free shippingFree shipping is applied to orders over $100 before tax. International orders and all items over 5lbs excluded. Shipping & Returns Policy when you spend over $100
This item does not qualify for free shipping
Final sale This item is not returnable.
Returnable within 90 days to a Nordstrom Rack store or by mail
Returnable by mail Restrictions apply.Items that are $500 and over may not be returned to Nordstrom Rack stores at this time. Shipping & Returns Policy

About This ItemDetails:- One shoulder
- Sleeveless
- Layered ruffle at bodice
- Front cascading ruffle
- Tulip wrap construction
- Fully lined
- Approx. 47" length
- ImportedFiber Content:Shell: 100% polyester Lining: 90% polyester, 10% spandexCare:Machine washAdditional Info:Fit: this style fits true to size.

Model's stats for sizing:
- Height: 5'11"
- Bust: 34"
- Waist: 25"
- Hips: 35"
Model is wearing size S.
Clothing Deals

Nordstrom Coupons
nordstrom.com BCBGMAXAZRIA Adair Asymmetrical Dress $35 reg $238
Added on : Monday October 06th 2014 03:00:03 PM
g: 0 Posted By: DaysFan
Views: 206 Replies: 1 https://www.nordstromrack.com/shop/product/908832/bcbgeneration-bcbgmaxazria-adair-asymmetrical-dress?color=BRIGHT+TEAL
linkedBCBGeneration BCBGMAXAZRIA Adair Asymmetrical Dress$35.71$238.0085% Off Style #: LMR6R256About This ItemDetails:- Crew neck
- Adjustable spaghetti traps
- Colorblock yoke detail
- Gathered side seams
- Back zip closure with hook-and-eye clasp
- Fully lined
- Approx. 38" length
- ImportedFiber Content:Shell: 100% polyester Lining: 92% polyester, 8% spandexCare:Machine washAdditional Info:Fit: this style fits true to size.

Model's stats for sizing:
- Height: 5'11"
- Bust: 34"
- Waist: 25"
- Hips: 35"
Model is wearing size S.

Clothing Deals

Nordstrom Rack Coupons
50K AAdvantage miles $3K spend citi Master Card
Added on : Monday October 06th 2014 09:00:18 AM
g: 0 Posted By: Onenote
Views: 157 Replies: 1 $95 annual fee waived for first year
$3K spend first 3 months
Approved after had the card previously but cancelled in 2011
first bag checked free
group 1 boarding
offer
Credit Deals
Amazon Prime Members: 50% your FIRST Subscribe Save
Added on : Monday October 06th 2014 09:00:05 AM
g: 1 Posted By: arrnanixtreme
Views: 192 Replies: 0 This offer is for paid Amazon Prime members only (not Prime trial members),save 50% on one item in your new Subscribe & Save order with promo codeSNSPRIME.
You must have not had a S&S subscription for the past 6 months (aka since April 2014).

Details and qualifying items:http://www.amazon.com/b/?_encoding=UTF8&camp=1789

Services Deals

Amazon Coupons
Tips for buying a neighbor's house before it hits the market?
Added on : Monday October 06th 2014 08:00:11 AM
g: 0 Posted By: JrcWy
Views: 62 Replies: 1 A house adjacent to our property has been sitting vacant for years and just recently has had some clean-up activity around it, which leads us to believe it is being prepped for sale. The house is rough looking on the outside and we're not sure of the inside condition. It is about a 100 years old and has not been maintained or lived in for years now. Pending the actual condition of the house, it could make for a good and convenient rental property if we can buy it on the cheap. We have no relationship with the current owner and really know nothing more than what we can find on the county records site. Aside from the obvious move of reaching out to the owner, does anyone have strategy tips or things to consider when trying to contact the owner for more information and potentially negotiating an agreement before the house hits the market? Any ways to get more information on the house besides zillow and the county records site?
Real Estate Deals
Chase Ultimare Rewards (UR) Gift Card - no update to sale items
Added on : Monday October 06th 2014 03:00:07 AM
g: 0 Posted By: robstrash
Views: 45 Replies: 0 The Chase Ultimate Rewards site usually has a few gift cards on sale, a few at 20% and few more at 10%. Last quarter they only had 1: 10% on Kohls. I logged in today to see what they have for the new quarter and it's still only 10% at Kohls. Anyone heard if they were not having the gift cards go on sale any more. The last 2+ years they had bath and body works for 20% off in 4Q so I'd get a few and wife would go to after XMAS 75% off sale and use the gift cards so it was awesome deal. Sad to see they still have Kohls only only sale.
Deal Deals
g: 0 Posted By: tjmightymouse
Views: 151 Replies: 0 Deal of the Day

Hampton Bay Model # 27011Internet # 100013691Store SKU # 400030Rhodes 3-Light Nutmeg Bowl PendantElegant with a rich old world look, the Rhodes 3-Light Hanging Steel Nutmeg Bowl Pendant from Hampton Bay will give your dining room or foyer a stylish upgrade. Featuring a beautiful hand-blown glass shade that beautifully accentuates the sweeping lines of the nutmeg finished frame, this pendant is simple to install and will complement a variety of decorating styles as well as other pieces from the Rhodes Collection. Bulbs included.

Adjustable hanging length up to 100 in.
Hand-painted nutmeg finish offers a rich and inviting style
Hand-blown art glass shade has one-of-a-kind, unique look
Uses 3 standard-base 100-watt maximum bulbs
Includes instructions for ease of installation
Includes additional chain and wire for adjusting the hanging length
ETL listed

Home & Garden Deals

Home Depot Coupons
Butter London Top of the Pops Set - $24.95 shipped @ ULTA
Added on : Sunday October 05th 2014 04:00:02 PM
g: 0 Posted By: hellokitty27
Views: 118 Replies: 0 Ulta has the Butter London Top of the Pops Setfor $19.00 w/ $5.95 shipping.

Includes:

Wink Eye Pencil in Earl Grey (0.04-oz.)
Wink Eye Shadow in Earl Grey (0.33-oz.)
LIPPY Lipstick in Toff (0.24-oz.)
Nail Lacquer in La Moss (0.4 fl.-oz.)
Scrubber 2-in-1 Remover Wipe (1-ct.)
Sony STR-DN1050 AV Receiver @ Amazon $473.99
Added on : Sunday October 05th 2014 03:00:08 PM
g: 0 Posted By: Cluster
Views: 178 Replies: 0 Sony STR-DN1050 AV Receiver reg $599 now $473.99 @ Amazon . I printed the Amazon page and took it to my local Best Buy where they checked and then matched the price. this unit is 7.2 channel 4k , WiFi and Bluetooth.will also play Pandora from my iPhone. this price wont last long Amazon prices fluctuate daily , I had this unit set on alert at camelcamelcamel which is a price watcher for Amazon.com

Sony STR-DN1050


Home Theater & Audio Deals

Amazon Coupons
Lancome Gift with purchase Dillards.com
Added on : Sunday October 05th 2014 02:00:03 PM
g: 0 Posted By: DaysFan
Views: 73 Replies: 0 http://www.dillards.com

http://www.dillards.com/images/endeca/banners/100514banner_b_lancome_gwp_graphic_stepup.jpg

Lancome Fall Bonus
As your gift with any Lancome purchase of $35 receive:

Your Choice of Grey or Purple bag
Your Choice of Visionnaire or Genifique serum
Your Choice of Eye & Night Moisturizer Duo in Renergie Eye & Renergie Night or Absolue Eye & Absolue Night or Genifique Eye & Bienfait Night
Your Choice of Face or Eye Look Duo: La Base Pro & Blush Subtil in Shimmer Mocha Havanna or Definicils Mascara In Black & Color Design 5 Pan Eye Shadow Palette In Coral Crush
Bi-facil Eye Makeup Remover


Limit one per customer please, while supplies last.


Lancome Fall Bonus Step Up
With your Lancome purchase of $70 or more you will also receive:

Your choice of moisutrizer: Renergie Multi Lift SPF15 or Bienfait Multi Vital Cream SPF 30 or Absolue Premium BX Cream
Your choice of cleanser: Creme Mousse Confort or Creme Radiance
Your choice of Color Design Lipstick in: Curtain Call or Groupie or Oh My

Limit one per customer please, while supplies last.
Health & Beauty Deals
bankruptcy/new home mortgage
Added on : Sunday October 05th 2014 09:00:25 AM
g: 0 Posted By: bloketion
Views: 19 Replies: 0 had auto accident and due to judgement from bill(s) am in process of chapter 7 bc of judgement lien placed on current home..am looking to purchase another home that is currently handicapped/wheelchair accessible or would require minimal costs to renovate to accomplish that; my current home is 100 yrs old and renovation cost are hightrying to get insurance to invest reno costs into purchase of another home, but if they don't fully pay for the home will have to finance the balancesubstantial $ down, prob 80%, but how unrealistic is it of me to be able to fund mortgage company to finance the remainder

Discussion Deals
Beauty Treasures 70-pc. Make-up Kit - $22.44 Shipped AC @ Ulta
Added on : Sunday October 05th 2014 06:00:05 AM
g: 0 Posted By: luv2shop80
Views: 181 Replies: 0 Ulta has aBeauty Treasures 70-pc. Make-up Kitfor $19.99 - $3.50 with coupon code209303+ $5.94 shipping = $22.44.

Includes 40 Eye Shadows, 3 Brow Powders, 2 lipsticks, 1 Bronzer, 1 Eye Shadow Quad, 6 Gel Eye Liners, 2 Dual Ended Eye Liners, 1 Powder, 3 Glitter Eye Top Coats, 2 Shiny Lip Glosses, 2 Eye Primers, and 1 Highlighter
Comes with Pink or Tan Carrying Case

Makeup Deals

ULTA Coupons
g: 0 Posted By: andunn
Views: 176 Replies: 0 Cuisinart 10-Piece Hard Anodized Cookware Set
Menards SKU: 4736528
Model #: HW62-10

Everyday Low Price:$89.00
Sale/Clearance Price:$68.99
- 11% Mail-In Rebate: $7.59
- Mail-In Rebate: $20.00
Your Final Price: $41.40

http://www.menards.com/main/search.html?search=4736528
This is in-stores only. No Limit. Not available on-line. Decent reviews when searching on-line.

For those not familiar with this store. Menards is a home improvement store that is mostly associated with Mid-West states. This obviously isn't a expensive or super high quality set, however, those on a budget and looking for a decent set this is a great deal.

**Please note for those not familiar with the Menards mail-in rebate process:
They are for in-store credit and NOT actual $$ back.
They usually have a 4-6 week turn around after mailing in.

Personal Note:
I have been doing Menards rebates for over 10 years and have only had to contact them once.
Home & Garden Deals
g: 0 Posted By: mickygivesme
Views: 42 Replies: 0 I had this on the wrong forum. Here it is again:
Free Kindle eBook Thriller: Linky
Looks good, decent reviews, can't beat free:
A sadistic predator has just arrived in San Francisco and begins his bloody rampage on an unsuspecting public.

Craving notoriety, the killer starts sending pictures with cryptic messages to a local television reporter. Seizing the opportunity to make headlines, Nicole Campbell arrogantly accepts the messages and uses them in her news reports. The publicity the stories generate shoot her right into the spotlight but now her source is getting a little too close With each new murder, the killer-emboldened by the reporter's stories about his savagery-keeps getting more and more gruesome.

Heading the case is SFPD veteran Lieutenant William Culp and his partner, Inspector Ricardo Diaz, but the killer seems to be one step ahead of them every time. As he ups the ante on his brutal slayings, taunting police and the reporter, the F.B.I. joins in on the manhunt. A irritated Lt. Culp is forced to put his ego aside and work together with the Feds in order to try and put a stop to the bloody carnage but the killer has a personal agenda and hes not about to let ANYBODY get in his way.

Not since the Zodiac Killer has a madman kept the "City by The Bay on edge.


Totally Free Deals
Headhunting Firms / Headhunters - Finance
Added on : Saturday October 04th 2014 10:00:08 PM
g: 0 Posted By: JBoskins
Views: 1 Replies: 0 Recently having finished a MS in Finance, I am attempting to switch industries butam finding it a bit challenging due to a lack of contacts/experience - I will be switching from an engineering/compliance role. Have any of you had any experience with headhunters/recruiting agencies? Or are they any that you would be willing to recommend? I did search and found some old topics but none of them listed specific recommendations. Feel free to PM.

Thank you.
g: 0 Posted By: st4rdust
Views: 147 Replies: 0 6PM hasPOPbeauty Bright Up Your Life Eyeshadow Palettes on sale for$14.99with free shipping.

Choose from Naturally Bare or Smokin' Hot.

These palettes sell for $24.00 at Ulta.
Beauty Deals

6PM Coupons
Used Car Vs Leasing Car
Added on : Saturday October 04th 2014 04:00:08 PM
g: 0 Posted By: coolmind
Views: 80 Replies: 2 I can afford spending 4K to 5K for buying/leasing car.(More interested in leasing)

LEasing: Nissan Versa 2014 model, I got the price of 5215.00 for 36 months, 0 down. (includes everything) + 395.00 disposition fee (this 395 is the reason why I dint sing the deal, deal breaker for me. Bcz the sales guy dint mention that during negotiation. I specifically asked him to give me the total amount i'll pay over the 3 years period, inludin tax title etc etc...)

Buying: I don't know much about car mechanics, so not sure which is good used car vs bad. I already had bad experience buying used vehicle long time back. so spending 5K on used car, and not knowing if it'll last for 3 years without any expense is very less likely to happen to me.

Is there any other car company which can provide cheaper leasing option than versa? I considered checking out Smart Car, but its my last choice.

please suggest your experience.Thanks in advance


Personal Finance Deals
Square Enix Bundle PC Digital Download Bundle $8.61 @ Greenman Gaming
Added on : Saturday October 04th 2014 08:00:05 AM
g: 0 Posted By: ctgolfer
Views: 139 Replies: 0 Tomb Raider: Anniversary
Deux Ex: Game of the Year Edition
Hitman 2
Thief: Deadly Shadows
Just Cause 2
Kane & Lynch: Dead Man


www.greenmangaming.com/bundles/#bundle-149
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
CommonBond Inquiry
Added on : Saturday October 04th 2014 06:00:08 AM
g: 0 Posted By: VerbalK
Views: 30 Replies: 0 Just noticed I had an inquiry added to my TU report (haven't checked the others) from CommonBond, which appears to be a student loan website. Anyone else get one of these?
Thief - Xbox One $18.19 @ Amazon
Added on : Saturday October 04th 2014 04:00:03 AM
g: 2 Posted By: ctgolfer
Views: 400 Replies: 1 free shipping with Prime or on $35+

Step into the silent shoes of Garrett, a dark and solitary thief with an unrivaled set of skills
Explore the sick and troubled City, from its shady back alleys to the heights of its rooftops
Leverage Garrett's arsenal to take down guards with your blackjack, shoot one of your many arrow types or use your newly acquired focus abilities to manipulate the environment and outsmart your enemies
Become one with the world thanks to ground-breaking visual elements and a truly tactile and visceral first-person experience
Through jaw-dropping Next-Gen technical possibilities, Thief delivers unprecedented immersion through sights, sounds and artificial intelligence

www.amazon.com/Thief-Xbox-One/dp/B00CYNTHA0/
Xbox One Deals

Amazon Coupons
Marriott to stop jamming personal hotspot data acess
Added on : Saturday October 04th 2014 02:00:05 AM
g: 0 Posted By: DeGlass
Views: 4 Replies: 0 If I'm reading it correctly, we should have unfettered access to our peronsal data plans while staying, or even just attending events, at any Marriott in the US.

http://transition.fcc.gov/Daily_Releases/Daily_Business/2014/db1...

The complainant alleged that the Gaylord Opryland had
used wireless technology to prevent him from using his Wi-Fi mobile hotspot in the hotels conference
center.
...
Specifically, such employees had used this capability to prevent users from connecting to the
Internet via their own personal Wi-Fi networks when these users did not pose a threat to the security of the
Gaylord Opryland network or its guests.
...
Within thirty (30) calendar days after the Effective Date, Marriott
shall establish Operating Procedures designed to ensure that Covered Personnel do not engage in
activities described above in paragraph 6 in violation of the Communications Act, including Section 333,
or the Commissions Rules
...
At the same time that it files each Compliance Report, Marriott
shall identify whether in the preceding three months Marriott has used the containment capability or any
similar functionality or technology described in paragraph 5 above, at any U.S. property Marriott
manages
...
The Termination Date shall be three years after the Effective Date of
this Consent Decree.
Discussion Deals
Thief - Xbox One $19.15 @ Amazon
Added on : Friday October 03rd 2014 11:00:10 PM
g: 1 Posted By: ctgolfer
Views: 196 Replies: 0 free shipping with Prime or on $35+

Step into the silent shoes of Garrett, a dark and solitary thief with an unrivaled set of skills
Explore the sick and troubled City, from its shady back alleys to the heights of its rooftops
Leverage Garrett's arsenal to take down guards with your blackjack, shoot one of your many arrow types or use your newly acquired focus abilities to manipulate the environment and outsmart your enemies
Become one with the world thanks to ground-breaking visual elements and a truly tactile and visceral first-person experience
Through jaw-dropping Next-Gen technical possibilities, Thief delivers unprecedented immersion through sights, sounds and artificial intelligence

www.amazon.com/Thief-Xbox-One/dp/B00CYNTHA0/
Xbox One Deals

Amazon Coupons
Samsung Galaxy Tab 3 7in - 8GB - Black $99 FS
Added on : Friday October 03rd 2014 11:00:07 AM
g: 1 Posted By: koreanjake
Views: 147 Replies: 0 It's preowned through CowBoom.com I've shopped around for these before, and it's actually a pretty good deal. Although it may not be in the eyes of fellow FW'ers.
They had this deal previously, but it was with $5 Shipping I believe. It's probably good until midnight CST.

Android Tablets Deals

CowBoom Coupons
Diminished Value after accident
Added on : Friday October 03rd 2014 07:00:08 AM
g: 0 Posted By: releasefoobar
Views: 104 Replies: 0 Sorry for starting yet another diminished value thread but i want to clarify my understanding. I'm pretty sure its not worth the time/money to pursue diminished value in my case but i want to make sure.
State: Maryland
Car: 2005 VW Jetta TDI valued at 9k
I was parked on the street in my neighborhood by my house (residential neighborhood in a city). A tractor trailer came through the neighborhood trying to turn around, got stuck, and side swiped my car. Trucks are forbidden in the neighborhood.
Police were called, they refused to do a report because there was no bodily injury and did not issue the truck driver a citation for being where he shouldn't have been
We got all of his information for the truck and trailer plus his license
We spent several weeks calling to try to file a claim but the truck and trailer had different insurances, and were both rented by different companies and then rented again by a third company, the end result was no one would take our claim and pointed to another company to call. After a month of trying, I called my insurance company, explained the issue, and they suggested that at this point i should file with them (my own insurance), get the car fixed, and they will pursue the driver for the damage.
Fast forward a few months. My car is fixed and the bill was 3k.
My understanding is that if i want to pursue diminished value i would have to sue the truck driver directly instead of requesting it from my insurance company or whatever company ultimately ends up paying the claim? It is also my understanding that the car is too old to bother with diminished value?
Discussion Deals
Homeowner's Insurance issues...
Added on : Friday October 03rd 2014 06:00:13 AM
g: 0 Posted By: skwiggey
Views: 73 Replies: 4 Couple of questions for homeowners. Have you had your insurance company force you to carry more insurance than you "need" or want? Mortgage balance is less than $130k, house is worth $160k tops, insurance company says cost to rebuild is almost $250k, so they won't insure for less. I don't think it'd cost that much, but I'm not a builder. This increases my premium (over $3k now) and makes my deductible higher since it's a percentage of the policy limits. Also, now they are requesting an "animal exclusion" form to be signed. I'm trying to get more details on this, but I have an 18lb mini-Schnauzer. Seems a little extreme to me.
Details:
Location - SE Lousiana
House is just under 1700 sq ft
Other insurance companies are not really an option. I've tried but no one else wants to write a policy on a raised house over 4ftoff the ground. I'm at around 10ft.

Personal Finance Deals
Lifesmart 6 element Heater~Woot~$89.99 + $5.00 shipping
Added on : Friday October 03rd 2014 04:00:07 AM
g: 0 Posted By: valuemama
Views: 415 Replies: 0 Lifesmart LS1000HH13 6-Element Extra Large Room Infrared=30px$89.99$199.0055% offList PriceIn Stock.Ships in 1-2 business daysCondition=14pxNewLIFESMART LifePro Series offers ultra-efficient and safe heat at less cost than other heating systems. This heater and features 6 of our quartz infrared elements there is also a Lifetime Air Filter. In house testing shows our heaters are 38% more efficient then forced air electric, 66% more efficient then propane and 45% more efficient then electric baseboard yet this Infrared Heater only uses up to 1500 Watts which is no more than a common hair dryer. There are 3 energy savings settings including an Eco Setting that will heat smaller areas to 68 degrees using only 500 Watts. The heater is surrounded by stylish Quakers town oak stain all wood cabinet that is cool to the touch. E Z Glide casters will easily move from the heater from room to room. This amazing heater also includes a new larger remote control to operate the Digital Thermostat and Dual Timer settings that can be used to turn the unit on in up to 12 Hours ahead so your room is warm when you come home or turn off in up to 12 hours.

Provides Infrared warmth to a large room
Quakerstown stain all wood cabinet that is cool to the touch
110 Volt 1500 Watts plug and play 15 Amp circuit required
3 energy saving settings including 500 Watt eco setting
6 infrared quartz elements
Quiet scroll motor fan distributes heat
Digital thermostat control
Lifetime air filter
12 hour start and stop timer in 1 hour increments
EZ glide casters
New larger remote control
ETL listed for safety

Shipping Note:Shipping to Alaska, Hawaii, and APO addresses is not available for this itemWarranty:1 Year Lifesmart Warranty

While supplies last. Groupon had these a few days ago for $104.99, Home Depot for $129.99.

http://www.woot.com/offers/lifesmart-6-element-heater
Appliance Deals

woot! Coupons
Lifesmart 6 element Heater~Woot~$89.99
Added on : Friday October 03rd 2014 01:00:05 AM
g: 0 Posted By: valuemama
Views: 208 Replies: 0 Lifesmart LS1000HH13 6-Element Extra Large Room Infrared=30px$89.99$199.0055% offList PriceIn Stock.Ships in 1-2 business daysCondition=14pxNewLIFESMART LifePro Series offers ultra-efficient and safe heat at less cost than other heating systems. This heater and features 6 of our quartz infrared elements there is also a Lifetime Air Filter. In house testing shows our heaters are 38% more efficient then forced air electric, 66% more efficient then propane and 45% more efficient then electric baseboard yet this Infrared Heater only uses up to 1500 Watts which is no more than a common hair dryer. There are 3 energy savings settings including an Eco Setting that will heat smaller areas to 68 degrees using only 500 Watts. The heater is surrounded by stylish Quakers town oak stain all wood cabinet that is cool to the touch. E Z Glide casters will easily move from the heater from room to room. This amazing heater also includes a new larger remote control to operate the Digital Thermostat and Dual Timer settings that can be used to turn the unit on in up to 12 Hours ahead so your room is warm when you come home or turn off in up to 12 hours.

Provides Infrared warmth to a large room
Quakerstown stain all wood cabinet that is cool to the touch
110 Volt 1500 Watts plug and play 15 Amp circuit required
3 energy saving settings including 500 Watt eco setting
6 infrared quartz elements
Quiet scroll motor fan distributes heat
Digital thermostat control
Lifetime air filter
12 hour start and stop timer in 1 hour increments
EZ glide casters
New larger remote control
ETL listed for safety

Shipping Note:Shipping to Alaska, Hawaii, and APO addresses is not available for this itemWarranty:1 Year Lifesmart Warranty

While supplies last. Groupon had these a few days ago for $104.99, Home Depot for $129.99.

http://www.woot.com/offers/lifesmart-6-element-heater
Appliance Deals

woot! Coupons
g: 0 Posted By: Logan71
Views: 129 Replies: 0 It features Cherry Brown Switches and 4 levels of LED back lighting. I've had mine (new) for about a month and it's a breeze to touch-type on, and quieter than I ever expected a mechanical keyboard to be. It does require two free USB ports to drive the kyb + lighting.

You can save an additional 10% off this price if you haven't taken advantage of the VISACHECKOUT promo that Newegg has running.

Credit goes to Error404 at the other site.

Good luck!

Link

Keyboard & Mouse Deals

Newegg Coupons
Free cell phone chargers and accessories after SYWR cb at Sears
Added on : Thursday October 02nd 2014 12:00:08 PM
g: 0 Posted By: goldmareese
Views: 239 Replies: 0 http://www.sears.com/wow-dual-usb-car-charger-black/p-05729480000P?prdNo=5&blockNo=5&blockType=G5

Other products: http://www.sears.com/search=wow+charger?part=&storeId=10153&url=...

Sears is having a sale on selected Wow brand products offering nearly to full value back in SYWR Cash Back to use later. They had this sale a little over a month ago and it's back again. I have several of these items and they work well. As an aside I had to call SYWR because I found out there is a limit of roughly $19 back in SYWR on Wow products. Make sure not to exceed this or you will have to make the call as well. Furthermore Sears has also been restricting SYWR members from recycling your points. If you have points you will not be able to redeem them and recycle them for these products. Enjoy!
Cell Phones Deals

Sears Coupons
g: 0 Posted By: goldmareese
Views: 0 Replies: 0 http://www.sears.com/wow-dual-usb-car-charger-black/p-05729480000P?prdNo=5&blockNo=5&blockType=G5

Sears is having a sale on selected Wow brand products offering nearly to full value back in SYWR Cash Back to use later. They had this sale a little over a month ago and it's back again. I have several of these items and they work well. As an aside I had to call SYWR because I found out there is a limit of roughly $19 back in SYWR on Wow products. Make sure not to exceed this or you will have to make the call as well. Furthermore Sears has also been restricting SYWR members from recycling your points. If you have points you will not be able to redeem them and recycle them for these products. Enjoy!
Obamacare penality if out of US
Added on : Thursday October 02nd 2014 08:00:36 AM
g: 0 Posted By: samandy
Views: 271 Replies: 4 I am in VA and currently have Assurant/Aetna PPO plan and they are changing it in Dec 14 with cost almost 4 times for my family.
So I am shopping other plans. I had this plan thrugout the year but in Dec let's say if I go out of country and start new plan next year, will I be penalized for 1 month gap?

Thanks in advance!
I
Question Deals
Any grants or financial aid for someone with a mortgage?
Added on : Thursday October 02nd 2014 08:00:36 AM
g: -1 Posted By: mxmaniac
Views: 394 Replies: 28 I've tried many times searching for a way to afford college, but it has never been an option, because I have a mortgage payment to pay, and I'm a Caucasian male with no kids.

Through my searching, I found many options if I were to have been a minority, a woman, single parent, or a couch surfer with almost zero overhead that could actually get by on the couple hundred bucks of financial aid. But never an option for anyone who owns a house to be able to actually afford to pay the mortgage payment and go to school.

Right now my situation is pretty dire. I had a bad injury which is preventing me from working jobs that require prolonged time on the feet (like my former career). Have no education or qualifications for anything else (but would like to). Unemployment ran out, so right now I have a flat 0 income, with an average size mortgage payment. Just wondering if maybe I missed something that's out there. Is there any sort of financial aid or grants for a guy like me (non minority, male, no kids, and zero income), which can allow me to go to school, and still pay my mortgage so I don't loose my house over having to change careers?
Question Deals
non-deductible IRA
Added on : Thursday October 02nd 2014 08:00:30 AM
g: 0 Posted By: ptiemann
Views: 136 Replies: 6 About 10 years ago, a teller suggested that I open an IRA 'to save taxes'. I responded that I already put money in a 401k and I thought a deductible IRA contribution was not possible in the same year. Teller said otherwise, I believed it, following year I realized I had been right.
So, I have $4500 in an 'IRA' account that was funded with taxed Dollars. I'd like to move this money into my ROTH account, without paying the tax a second time.

What is the best procedure to accomplish this?

Since I have the 2004 tax return at hand, it's obviously easy to prove that I funded this account with after-tax Dollars.

Thanks for your help.
Question Deals
Sharp LC-60LE650U 60-inch Aquos LED TV - $799.99 - Amazon
Added on : Thursday October 02nd 2014 07:02:13 AM
g: 0 Posted By: lavamatrix18
Views: 158 Replies: 1 I have had my eye on this TV for a while. It has solid reviews and is a great buy at this price.

TV
LED TV Deals

Amazon Coupons
Urban Decay Naked2 BASICS Eyeshadow Palette - $24.00 w/ FS A/C @ Buydig
Added on : Thursday October 02nd 2014 07:01:53 AM
g: 1 Posted By: hellokitty27
Views: 109 Replies: 0 buydig has the Urban Decay Naked2 BASICS Eyeshadow Palette for $24.00 w/ coupon code BDG2X24. Free shipping. 4.7/5 stars based on 137 Sephora customer reviews.Includes 6 Eyeshadows:

Skimp (pale nude satin)
Stark (nude-pink matte)
Frisk (warm gray matte)
Cover (muted red-brown matte)
Primal (muted brown matte)
Undone (deep, smoky brown matte)

Makeup Deals

Buydig Coupons
Z -Shade 10-ft. x 10-ft. Instant Canopy $44.99 @ Sears
Added on : Thursday October 02nd 2014 07:01:50 AM
g: 0 Posted By: DizzyT71
Views: 288 Replies: 2 Sears.com has the Z -Shade 10 x 10 Instant Canopyon sale for $44.99 with free in-store pickup.

Compare at Kmart for $49.99.

Recreational uses for the beach, backyard barbecues, picnics, and camping
Includes black carry bag
2-Yr Limited Warranty


4.5/5 Stars based on 91 customer reviews on Kmart.
Sports & Outdoors Deals

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 107 Replies: 0 Quality polarized shades from Outdoor Life that are yours for pennies on the dollar. Full TAC, HD polarized, anti-glare lenses with 100% UVA/UVB protection. A rare chance to pick up a few gems for next to nothing. Legit $30+ sunglasses for only 5 duckets? Oooh child! That's gonna put a toothy smile on your mug.

www.fieldsupply.com/outdoor-life-polarized-sunglasses-86-percent...
Fieldsupply.com Deals
TCL 50" 4K Ultra LED HDTV $399 + Tax @ Microcenter! YMMV
Added on : Thursday October 02nd 2014 07:00:47 AM
g: 0 Posted By: aaronbd
Views: 116 Replies: 1 TCL 50" 4K Ultra LED HDTVLE50UHDE5691 - $399 + Tax @ Microcenter (super low quantity, hurry!)

Enjoy The Creative Life with the TCL 50 inch. 120Hz 4K Ultra HD edge-lit LED TV. It delivers a complete home theater experience with its large display, premium picture quality and sophisticated slim frame design. Whether wall mounted like a piece of art or sitting on its elegant glass base, this flat screen LED HDTV features Ultra High Definition 4K resolution, fast 120Hz refresh rate, a dynamic contrast ratio of 5,000,000:1, three HDMI inputs, and SRS TruSurround HD for more immersive surround sound. This MHL (Mobile High-Definition Link) enabled HDTV allows you to effortlessly connect your smartphone or tablet to the TV to display content and simultaneously charge the device. Exceeding ENERGY STAR 6.0 Guidelines, this TV's low energy usage ensures that the planet and your wallet will be better off. Color Your World with superior performance and design.

Clicky

Same one that is $449 on Amazon, but it will save you about $20 after tax if it's available. I checked a close by location and it only had 1 left, so hurry! I just bought mine on Amazon:

http://www.amazon.com/TCL-LE50UHDE5691-50-Inch-Ultra-120Hz/dp/B0...
TCL Deals

Amazon Coupons
Free Kindle Book - The Scare: A Halloween Story @ Amazon
Added on : Thursday October 02nd 2014 07:00:43 AM
g: 2 Posted By: ctgolfer
Views: 133 Replies: 1 Simon loves everything about Halloween: the candy, the costumes... but what he loves most is scaring others. Last year, he invited Jim to his house for a Halloween party, but before Jim even arrived, Simon had scared him away. This year, Jim has invited Simon to his house for a party. Everything appears very un-scary, but he has some tricks up his sleeve. "The Scare" is a delightfully chilling tale about two best friends who, despite their differences, learn to enjoy the holiday together. Don't be scared!

www.amazon.com/Scare-Halloween-Story-Kirstin-Lenane-ebook/dp/B00...
Books Deals

Amazon Coupons
GUNS: PA63 for $198 delivered at Wideners
Added on : Thursday October 02nd 2014 07:00:30 AM
g: 1 Posted By: jbigboote
Views: 390 Replies: 5 Wideners has had FEG PA63s for sale for a while, but recently the price dropped to $198 delivered:
https://www.wideners.com/itemdetail.cfm?item_id=100001676
These do require an FFL however. They are NOT C&R eligible.
Guns & Ammo Deals
g: 0 Posted By: programgeeks
Views: 7 Replies: 0 =21pxMacy's

CLOSEOUT! Levi's 501 Original Shrink-to-Fit Snorkel Blue JeansJust in time for the season, submerge your wardrobe in the latest shade with these snorkel blue 501 Original-Fit Jeans from Levi's.

Cotton
Machine washable
Imported
Levi's men's jeans
Belt loops
Button fly
Five-pocket styling
Original fit
Straight leg
Shrink to fit
FitStudio daily deal (bug?)
Added on : Tuesday September 30th 2014 06:00:07 PM
g: 0 Posted By: steveo
Views: 0 Replies: 1 For those Shop Your Way folks out there, it looks like the FitStudio.com daily deal is broken - allowing you get multiple "coupons" instead of just one per day. I'm pretty sure these are NOT stackable, but keep trying until you get something like $5 off $15. A few weeks ago, I had about $17 off $20 (multiple surprise points) and went into the store, and the system didn't really know how to handle them, so the associate essentially stacked them and gave me the full discount.
Health Deals
g: 0 Posted By: remick
Views: 155 Replies: 0 Life in the Valley of Death: The Fight to Save Tigers in a Land of Guns, Gold, and Greed
http://www.amazon.com/Life-Valley-Death-Fight-Tigers-ebook/dp/B0...


Dubbed the Indiana Jones of wildlife science by The New York Times, Alan Rabinowitz has devotedand riskedhis life to protect natures great endangered mammals. He has JourneyEd to the remote corners of the earth in search of wild things, weathering treacherous terrain, plane crashes, and hostile governments. Life in the Valley of Death recounts his most ambitious and dangerous adventure yet: the creation of the worlds largest tiger preserve.

The tale is set in the lush Hukaung Valley of Myanmar, formerly known as Burma. An escape route for refugees fleeing the Japanese army during World War II, this rugged stretch of land claimed the lives of thousands of children, women, and soldiers. Today it is home to one of the largest tiger populations outside of Indiaa population threatened by rampant poaching and the recent encroachment of gold prospectors.

To save the remaining tigers, Rabinowitz must navigate not only an unforgiving landscape, but the tangled web of politics in Myanmar. Faced with a military dictatorship, an insurgent army, tribes once infamous for taking the heads of their enemies, and villagers living on less than one U.S. dollar per day, the scientist and adventurer most comfortable with animals is thrust into a diplomatic minefield. As he works to balance the interests of disparate factions and endangered wildlife, his own life is threatened by an incurable disease.

The resulting story is one of destruction and loss, but also renewal. In forests reviled as the valley of death, Rabinowitz finds new life for himself, for communities haunted by poverty and violence, and for the tigers he vowed to protect.

Review
"Life in the Valley of Death is not your typical chronicle of rescuing wildlife. Rather it's a clear-eyed rendering of conservation's unruly, dangerous, and chaotic side."
(Audubon)


"Rabinowitz deserves credit for a political courage no less real than his physical bravery, for being willing to sit down with the devil, occasionally, to save a tiger."
(TIME)


"Life in the Valley of Death is the triumphant story of his toughest job to date...Rabinowitz had to gain the cooperation of the ruling military junta and navigate an elaborate bureaucracy. That he succeeded testifies to his modesty, patience, and ability to persuade powerful people of the importance of saving tigers."
(National Geographic Adventure)


"For 20 years, he has traveled the world, imploring the power elite of democracies and dictatorships to dedicate large parcels as reserves for these imperiled felines."
(The New York Times)


"By engaging Myanmar's ruthless military dictatorship, Alan Rabinowitz has pulled off extraordinary feats for tiger conservation. His is a story of drawing linesgeographic, political, and moral."
(Conservation)


About the Author
Alan Rabinowitz is President and CEO of Panthera, the world's largest wild cat conservation organization. He has authored dozens of scientific and popular articles and six books, including Jaguar, Chasing the Dragons Tail, and Beyond the Last Village. Dr. Rabinowitz has been profiled in The New York Times, Scientific American, Audubon, and National Geographic Adventure, and was the subject of a highly praised PBS/National Geographic television special, In Search of the Jaguar.




Giant Pandas and Me: Ten Years Of Discovery
http://www.amazon.com/Giant-Pandas-Me-Discovery-Animals-ebook/dp...



66 pages filled with information about giant pandas. Everything you need to know about the pandas and more.

For 9 years the author roamed with virtually unhindered access through the walkways and bamboo groves of the Wolong Panda Preserve as well as Bifengxia and Lougantai panda breeding facilities. He has hiked in the two most important mountain ranges where the wild giant pandas and red pandas call home.

Keith has tracked and viewed both the giant panda and red pandas in their wilderness environments. Along the way he has accumulated a treasure trove of stories and information related to the pandas in China.

If you have a passion for pandas, this is a must read book. Photos in the Kindle edition are full color while the print edition is black and white.
Books Deals

Amazon Coupons
Macy's had Lauren by Ralph Lauren Dress Pants for $19.99 on clearance
Added on : Tuesday September 30th 2014 10:00:05 AM
g: 0 Posted By: roshanabu
Views: 127 Replies: 0 Macy's has Lauren by Ralph Lauren
Dress Pants on clearance for $19.99 various sizes. You can use your Star reward coupon $15 off 40 and get two for $25. In Store and Online.
Link
Clothing Deals

Macy's Coupons
Get a $25 Gift Card on Video Game Pre-Orders @ DellHome
Added on : Tuesday September 30th 2014 08:00:08 AM
g: 0 Posted By: ctgolfer
Views: 90 Replies: 0 Dell Home is offering $25 Dell Gift Card on select Video Game Pre-Orders for the Xbox One, Playstation 4, Wii U, or PC

Call of Duty: Advanced Warfare Zero Day (Xbox One, PS4, PC) $59.99
NBA 2K15 (Xbox One & 360, Playstation 3 & 4) $59.99
Assassins Creed: Unity (Xbox One, PS4, PC) $59.99
Borderlands: The Pre-Sequel (PC, Xbox 360, PS3) $59.99
Dragon Age: Inquistion (Xbox One & 360, Playstation 3 & 4) $59.99
Far Cry 4 (Xbox One & 360, Playstation 3 & 4) $59.99
Grand Theft Auto V (Xbox One, PS4, PC) $59.99
Middle Earth: Shadow of Mordor (PC, Xbox One & 360, Playstation 3 & 4) $59.99
Just Dance (PC, Xbox One & 360, Playstation 3 & 4, Wii U) $49.99

http://accessories.us.dell.com/sna/sna.aspx?c=us&cs=19&l=en&s=dh...
Video Games Deals

Dell Consumer Coupons
Lodge Deep Camp Dutch Oven (8-qt.) (L12DCO3) - $44.43 + FSSS @ Amazon
Added on : Tuesday September 30th 2014 05:00:12 AM
g: 1 Posted By: st4rdust
Views: 145 Replies: 0 Amazon has the Lodge Deep Camp Dutch Oven (8-qt.) (L12DCO3) on sale for$44.43with Free Super Saver Shipping. This is the best price I have seen since Amazon had it for ~$0.20 more a month ago.


4.8/5 stars bsaed on 642 customer reviews.


8-Quart Deep Camp Dutch Oven for campfire or fireplace cooking
Seasoned cast iron ready to use
Cast iron lid inverts for use as griddle
Made in U.S.A.
12-inch diameter by 5-inch deep



Camelcamelcamel shows that this is the best price ever on Amazon.
Home & Garden Deals

Amazon Coupons
How's 2015 Insurance premiums looking you all?
Added on : Tuesday September 30th 2014 03:00:13 AM
g: 0 Posted By: nic3456
Views: 2 Replies: 0 Benefits enrollment for 2015 started today at my work - Fortune 50 company - 18% increase in health insurance premiums - same coverage as this year. I've been here 15 years and its the largest annualincrease we've ever had
2014 Black Friday T-Shirt Design Contest
Added on : Tuesday September 30th 2014 03:00:04 AM
g: 0 Posted By: HeatherS4
Views: 237 Replies: 0 Welcome to the 2014 FatWallet Black Friday T-Shirt Contest! It is the kick-off to our favorite time of year, when the opportunities to save money are as plentiful as the creativity of our new and loyal FatWallet members!  Here's your chance to become famous among your peers!  Design a FatWallet Black Friday T-Shirt that our community loves the most and you'll not only be famous, you'll be $500 richer!The Skinny on Our Fat Awards:Submit a qualifying design* and receive:A Private Message with a link to claim your free FatWallet Black Friday 2014 T-shirt!A 2014 Black Friday T-Shirt Design badgeAn entry into a drawing for one of ten $50 gift cards to shop at your favorite FatWallet store! (One entry per member.)Submit the winning design and receive:A box of FatWallet premium schwagThe coveted 2014 Ding Ding Winner's badge and all the bragging rights that come with it!12 Black Friday 2014 Black Friday T-Shirts with your crazy awesome winning design that you can give to others!50 Virtual High-Fives from FatWallet employees!A gift card loaded with $500 to spend at your favorite FatWallet store!Everyone who enters a qualifying design* gets a 2014 Black Friday T-shirt! (Only one t-shirt will be awarded per member.) *A qualifying design is a design must meet all the design guidelines, copyright guidelines and it must be in line with the FatWallet values. (All badges, t-shirts, and prizes will be awarded after the design contest and voting have ended.)Are you lacking the creativity gene?If you think you're lacking the creativity gene and are too chicken to submit a design...we understand. You can still get a free 2014 Black Friday T-Shirt by posting a qualifying Hot Deal between 9/30/14 - 10/27/14.The Design Guideline DetailsPlease review the design guidelines, grab the logos below, and create a super snazzy t-shirt design your fellow community members will want to choose as their favorite! Submit Designs 9/30/14 Noon - 10/14/14 NoonOnly FatWallet members can enter a design or vote.Aside from the FatWallet logo, your entries must be your own original, unpublished work and must not include any third-party logos or copyrighted material. By entering the competition, you agree that your submission is your own work and you give FatWallet all rights to the image.Quality not quantity is the goal. Multiple designs must be submitted as separate entries. Only one entry per person will be allowed in the final voting round. Only one free shirt will be awarded to each FatWallet member.Elements of a Qualifying Design:Incorporate both Black Friday 2014 and the FatWallet logo. (The logo may be either green and black, green and white, all black, or all white. The swirl can be used as an additional design element.)Fit inside an area of 17” wide and 18” high, on the front of a t-shirt.Use 3 colors maximum plus the background color of the shirt. No gradients, drop shadows or glow effects.Example: gray shirt, green and black logo, plus white accent.Gray shirt: Background colorGreen & Black logo = 1st and 2nd colorWhite accent: 3rd colorThe FW logo is PMS Green 376Submissions must be formatted as jpg or png. May not be on t-shirt background. One image submission per topic.NOTE FatWallet reserves the right to disqualify entries that do not meet design, copyright guidelines or are not in line with FatWallet values. We reserve the right to alter winning design for production suitability.FatWallet Logos:Click images for larger format.Green & BlackGreen & WhiteAll BlackAll WhiteSwirlCommon reasons for disqualifications:Using more than the 3 colors plus the t-shirtIncluding gradients, drop shadows, glow effects (they count as multiple colors)Alteration of the FatWallet logoUse of clipart or copyrighted imagesDesign Submission:Upload only one design per reply to this topic. (If you have multiple designs to upload, please upload them in separate replies so we can disqualify those that need it without disqualifying all your designs.)The deadline to enter is 10/14/14, 12:00 PM (Noon) CTAny designs that we do not feel can be duplicated for t-shirt silk-screening may not be included in the voting. We will do our best to notify you with a PM in a timely manner so you have the opportunity to submit another entry.Promote & VoteFatWallet staff will select a group of finalists (the number of finalists is TBD) and FatWallet forum members will select the winning design. The Voting Gallery will open at at noon on 10/16/14.Voting will take place between 10/16/14 Noon CT through 10/23/14 Noon CT. Winner will be announced 10/24/14.You'll be able to see all the finalists in the voting gallery. (I will post the link for you all when the voting gallery is live!)Only 1 design per user will be allowed in final voting round.You will be able to vote for your top 2 favorites in the final voting period.FatWallet Staff may not vote in the final voting period.Encourage your friends and family in social media to come and vote for your design!We discourage creating alt accounts to stack voting results. Anyone caught stuffing ballots or cheating will be disqualified, their votes will be erased, and they will lose any badges or entries into the gift card drawings they have earned as a result of this contest. If a member who has their design in the final voting round is caught stuffing ballots their design will be disqualified as well.Winners from Previous Years:2013 Winner2012 Winner2011 Winners2010 Winner2009 Winner2008 WinnerSee all 2013 Entries See all 2012 Entries See all 2011 Entries See all 2010 Entries See all 2009 Entries See all 2008 Entries Have fun! :) Heather
Deal Deals
Dale Tiffany Table Lamp 14x20 (2 Styles) $99.99 + SH @ Woot
Added on : Monday September 29th 2014 08:00:06 PM
g: 0 Posted By: ctgolfer
Views: 162 Replies: 0 shipping adds $5

Your Choice:
Dale Tiffany TT14120 14X20 Sigourney Table Lamp

Traditional square shade features large geometric pieces of light amber art glass as the main color
2 vertical bands of green, light blue and amber frame each of the 4 panels
At the center of each panel is a vertical band of Mission Style arrowheads in light amber and orange set against a dark amber background
2 horizontal accent rows in sunny amber are set on either side of the vertical band
The finely cast base features a square pedestal with cut out feet in the traditional Arts and Crafts style
A perfect choice for a den, bedroom or on a larger desk
Uses 1 x 60-Watt (E27) Type A bulb(not included)
Assembly Required

~ OR ~Dale Tiffany TT14121 14X20 Morning Start Table Lamp

Modern twist on classic Mission style lighting that will beautifully accentuate any dcor
Each of the four sides of the traditional square shade features a series of elongated triangular panels of white, light amber and silvery blue art glass
Each panels center is adorned with an inverted yellow diamond near its top and a large white cube near the bottom
Both are flanked with amber squares and rectangles in traditional Mission style
Each bottom corner features a pattern of Mission inspired squares in complementary colors
The bottom edge of the shade is cut out to follow the geometric shapes within the shade for added texture and visual interest
The cast base is squared with cut out feet in the Arts and Crafts style, which adds to the authenticity of the lamps look
A perfect choice on end tables, night stands or larger desks
Uses 1 x 60-Watt (E27) Type A bulb(not included)
Assembly Required


http://home.woot.com/offers/dale-tiffany-table-lamp-2-styles
Dale Tiffany Deals

woot! Coupons
g: 1 Posted By: jaymanthegreat
Views: 164 Replies: 0 Dirty Dancing / Havana Nights (Widescreen) 35% OFF $12.96

Movie Description:
The following content was provided by the publisher.This Double Feature includes the classic "Dirty Dancing" and the recent re-imaged version of it's successor "Havana Nights".

"Dirty Dancing" - The summer of 1963 innocent 17-year-old Baby (Grey) vacations with her parents at a Catskill's resort. One evening she is drawn to the staff quarters by stirring music. There she meets Johnny, the hotel dance instructor, who is as experienced as Baby is naive. Baby soon becomes Johnny's pupil in dance and love.

"Dirty Dancing: Havana Nights" - On the eve of Cuba's revolution, a young American woman discovers a passion for dance and for her sultry Cuban partner, Javier. As the two prepare to take their first place in a prestigious national dance competition, their bodies align in a sensual harmony that mirrors the growing bond between them. They dominate the dance floor with a sizzling style and rhythm all their own.

Audio Commentary, Deleted scenes, Featurettes, Interviews, Interactive Menus, Trailers, Trivia Track.

"Jennifer Grey Introduction"; "Jennifer Grey Screen Test"; Emile Ardolino Tribute; "'Dirty Dancing' Live In Concert"; Music Videos: "Hungry Eyes", "She's Like the Wind", "(I've Had) the Time of My Life" and "Guajira (I Love U 2 Much)"; "Baila! A Dance Piece"; "Inside Dirty Dancing: Havana Nights".
Movies Deals

Walmart Coupons
Has anybody ever had a incident of mortgage fraud?
Added on : Monday September 29th 2014 03:00:13 AM
g: -1 Posted By: 1abcdranger
Views: 98 Replies: 1 I am asking this question for prevention purposes. Is there away I can ask the irs not to release my financial information to any banks that request it?
Question Deals
Toshiba 50-Inch 1080p 60Hz Slim LED HDTV (50L1400) $499 w/FS @ BuyDig
Added on : Monday September 29th 2014 01:00:12 AM
g: 0 Posted By: ctgolfer
Views: 170 Replies: 0 Product Details:

1080P Full HD - Savor stunning visuals, thanks to 1080p Full HD resolution ? twice the picture detail of a standard 720p HD set.

LED TV - Energy-efficient LED backlight for vibrant HD picture quality with sharp contrast for lifelike images with natural shadows and highlights.

Beautiful, slim design - Ideal for your living room or as an extra in your bedroom with its slim, modern curved corner design.

Listen Up - New DTS TruSurround audio delights audiences with immersive surround sound.

Dynamic Picture Mode - Get set for maximum contrast, clarity and color saturation with a Dynamic Picture Mode.

COLORMASTER - Easily adjust hue, saturation and brightness using ColorMaster for complete six-color management.

Pull Out All the Stops - Game Mode - Enjoy hair-trigger action on your Toshiba TV with a special setting that reduces game controller delay for edge-of-your seat action.

1080p Full HD - 1080p Full HD, the highest level of HD picture quality available today.

DynaLight - Automatically adjusts the backlight intensity based on the image content.

Gaming mode - Enjoy hair-trigger action on your Toshiba TV with a special setting that reduces game controller delay.

Product Specifications:

Screen Size Class - 50"
Screen Size - 49.5" diagonal widescreen
Display Type - LED
Refresh Rate - 60Hz
Design - Slim Bezel Design & High Gloss Black

Video

Video Resolution - 1080p
DynaLight Dynamic Backlight Control - Yes
Gaming Mode - Yes
Dynamic Picture Mode - Yes

Inputs/Outputs

Composite - 1 (shared)
HDMI - 2 ports
ColorStream Component Video (Y/Pb/Pr) - 1
USB Media - Yes

Features

Built-in WiFi - No
Remote Control - Included, Remote Control
ENERGY STAR TV - Yes

Physical Description

Width - 44.20" (44.20" with stand)
Height - 26.1" (27.6" with stand)
Depth - 2.9" (8.5" with stand)
Width (Shipping) - 48.7"
Height (Shipping) - 30.1"
Depth (Shipping) - 5.9"
Weight - 33.7 lbs (35.1 lbs with stand)
Weight (Shipping) - 43.4 lbs

Wall Mount Specifications

VESA Mounting Pattern - 400mm x 200mm

www.buydig.com/shop/product.aspx?sku=TB50L1400
Toshiba Deals

Buydig Coupons
Scammed by Hertz Rental Car in Munich, Germany
Added on : Sunday September 28th 2014 08:00:07 PM
g: 0 Posted By: jlkc
Views: 87 Replies: 2 We needed to return a rental car to Hertz in Munich, Germany on a Saturday afternoon and the only location open was the one in the Main Railway Station. So because we wanted to have someone inspect the car while we were there, we chose to return the car to that location. When we arrived at the rental return location, we found a parking garage but no office. We followed the signs to the Hertz rental return location and found someone there to receive it. Unfortunately for us, he did not speak much English. He inspected the car and told us "everything good". We asked for a receipt, but said he replied "no receipt". He told us "everything good, don't worry". Since there wasn't a Hertz office there and we were short on time, we left and hoped for the best.

A couple days later, we received an email from Hertz, claiming that there was damage to one of the rims. They charged our credit card for an extra 150 euros for the damaged rim + 50 euros for administrative fees. When we asked via email why they didn't point out the damage to us when we returned the car, they kept telling us to look at the rental terms and conditions. Had they pointed out the damage while we were there, we would have paid it without a problem as we could not have proved that we did not do it. However, now that they "found" the damage a couple days after we dropped off the car, we are suspicious. Do we have any recourse here?

We paid with a Visa Signature card that has rental car coverage, but are wondering if we should try to work things out with Hertz first, or talk to our prepaid legal plan for some advice, or just go directly to the credit card company to see if they will cover this charge. We've already exchanged a couple emails with Hertz without much progress so far. Do you have any suggestions?
Question Deals
Have Chase Sapphire Pref, what next?
Added on : Sunday September 28th 2014 05:00:06 AM
g: 0 Posted By: Thisiswhaticanafford
Views: 79 Replies: 2 All,
Adult daughter was able to get Chase SP when they had 50K bonus a while ago. She is due for a $5K home improvement purchase and I would like to see her get another high-value card and she'd be able to meet a spend bonus with that improvement. Just missed the United 50K which would have been a consideration for her travel fun.

I keep thinking one of the AMEX so as to keep Chase open for if/when another United 50K comes along. But,I've also heard good things about Chase Freedom or Ink, is it true that those points can be combined into Chase Ultimate Rewards?

Thanks for any and all help/opinions!
Discussion Deals
g: 2 Posted By: remick
Views: 255 Replies: 0 Fred 2.0: New Ideas on How to Keep Delivering Extraordinary Results
http://www.amazon.com/gp/product/B008PX0IS8/
4.9 out of 5 stars See all reviews (54 customer reviews)

Nine years ago, bestselling author and business consultant Mark Sanborn introduced the world to Fred, his postman, who delivered extraordinary service in simple but remarkable ways. Freds story inspired millions. Companieseven, citieswere inspired to turn the ordinary into the extraordinary each day.
Today, with stiff competition from the networked global economy, delivering extraordinary results is more important than ever. With Fred 2.0, Mark not only revisits the original Fred to gain new insights, but also equips all of us with new strategies to achieve more. Youll not only be inspired by Fred 2.0, youll also have the tools and strategies to aim higher and achieve the extraordinary.



The POWER of URGENCY: Playing to Win with PROACTIVE Urgency
http://www.amazon.com/gp/product/B00DMFNOUS
5.0 out of 5 stars (23 customer reviews)

Have you ever said, "I am really great in a crisis!" You recall rising to the immediate challenge with the best of yourself. The question posed by The POWER of URGENCY is, "Why wait for a crisis to be at the top of your game?"
The author describes how to use the amazing strength, creativity and boldness you discover through your reaction to a fight-or-flight situation, and do it proactively when and where you choose.
As a business leader, entrepreneur, or anyone ready to change the status quo, learn how to create from the best of yourself by being urgent in pursuing the objectives most important to you.



A Practical Guide to Risk Management
http://www.amazon.com/gp/product/B005EZIJ22
4.7 out of 5 stars (18 customer reviews)

Managing risk is at the core of managing any financial organization. Risk measurement and quantitative tools are critical aids for supporting risk management, but quantitative tools alone are no substitute for judgment, wisdom, and knowledge. Managers within a financial organization must be, before anything else, risk managers in the true sense of managing the risks that the firm faces.



The Myth of the Garage
http://www.amazon.com/gp/product/B00755MHA4
4.3 out of 5 stars (83 customer reviews)

From Chip and Dan Heath, the bestselling authors of Switch and Made to Stick, comes The Myth of the Garage ... and other minor surprises, a collection of the authors' best columns for Fast Company magazine. There are 16 pieces in all, plus a previously unpublished piece entitled 'The Future Fails Again'.
In Myth, the Heath brothers tackle some of the most (and least) important issues in the modern business world:
- Why you should never buy another mutual fund ('The Horror of Mutual Funds')
- Why your gut may be more ethical than your brain ('In Defense of Feelings')
- How to communicate with numbers in a way that changes decisions ('The Gripping Statistic')
- Why the 'Next Big Thing' often isn't ('The Future Fails Again')
- Why you may someday pay $300 for a pair of socks ('The Inevitability of $300 Socks')
- And 12 others . . .



BOOM! You got that graduate job: How to survive Day 1 and go from sucker to star player in 15 easy steps
http://www.amazon.com/gp/product/B00E31B736

THE GRADUATE CAREERS BOOK WITH A DIFFERENCE.
#1 Amazon Bestseller in three categories...
Have you been offered your first graduate job? Are you still hunting? Either way, this step-by-step guide will help you get through that terrifying first day when it arrives, then quickly develop into a star performer.
Why are some grads able to excel in the corporate world, walk around with confidence, get great results and build a network of support around them? What makes them different to the vast majority who end up appearing nothing more than mediocre?
When Seb Constable was applying for graduate schemes and other graduate jobs, he devoured every book on the subject. He discovered how to pass numerical and verbal reasoning exams, learned how to game personality quizzes and how to excel in assessment centres.
But as he realised in a panic when he was finally offered the graduate placement of his dreams that's where the advice ended. There was no comfort-blanket manual he could clutch to get through the terrifying ordeal of Day 1. And there was nothing explaining exactly how to get from shuddering fresh-out-of-uni wreck to confident, capable professional.
Seb knew a guide had to be written, for all those feeling just as hapless and terrified as him. He felt it was his duty to create it. Fast forward 18 months. This is that guide.
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Amazon Coupons
g: 2 Posted By: ctgolfer
Views: 169 Replies: 0 Sid Meiers Civilization V: The Complete Edition is the definitive Civilization V collection for Mac gamers who have yet to experience the famous just-one-more-turn addictive gameplay that has made Civilization one of the greatest game series of all time. The Complete Edition includes the original 2010 Game of the Year award-winning strategy game Sid Meiers Civilization V, plus the two critically-acclaimed expansion packs (Gods & Kings, and Brave New World) and all of the released add-on content in one complete package for an amazing value.
ENDLESS REPLAYABILITY: Play as one of 43 historical leaders and wage war by land, sea, and air, conduct diplomacy & espionage, establish religious beliefs, and discover new technologies in your quest to build the most powerful empire the world has ever known.
HUGE BATTLES: Wars between empires spread across land and sea. Ranged bombardment challenges you to develop clever strategies to guarantee victory on the battlefield.
DIPLOMACY: Negotiate with some of historys most cunning rulers, each with a well-crafted plan for victory. City-states present a diplomatic battleground on which the major powers of the world will vie for supremacy.
RELIGION: Cultivate Great Prophets and create a religion you can customize and enhance.
ESPIONAGE: Send your spies into foreign cities for surveillance, to steal advanced technologies from your competitors, or to interfere with city-state alliances.
INTERNATIONAL TRADE: Build your cities into hubs of international trade by land and sea, creating great wealth and prosperity for your people.
MULTIPLAYER: Challenge other players to become ruler of the world.
The Complete Edition includes:
Sid Meiers Civilization V-Civilization and Scenario Pack: Polynesia
Sid Meiers Civilization V: Gods & Kings-Civilization and Scenario Pack: Korea
Sid Meiers Civilization V: Brave New World-Wonders of the Ancient World Scenario Pack
Civilization Pack: Babylon (Nebuchadnezzar II)-Cradle of Civilization Asia map
Civilization and Scenario Pack: Denmark The Vikings-Cradle of Civilization Mesopotamia map
Double Civilization and Scenario Pack: Spain and Inca-Scrambled Continents Map Pack
Cradle of Civilization Mediterranean map-Scrambled Nations Map Pack
Cradle of Civilization Americas map-Conquest of the New World Deluxe Scenario
Explorers Map Pack


www.macgamestore.com/product/3172/Civilization-V-The-Complete-Ed...
Video Games Deals
Oh no, another credit report question...
Added on : Saturday September 27th 2014 05:00:08 PM
g: 0 Posted By: pandarn
Views: 96 Replies: 1 Please direct me if there is another thread about this!

In 2012 I had a short sale on a home. I negotiated with the bank and am currently paying back a loan for a portion of the deficiency balance. The original amount of the new loan was $5XXX. I have made all payments on this new loan on time, and all payments have been for more than the required payment amount as I would like to get this paid off.

I had been monitoring my credit reports, no problems were noted with accounts from the bank involved, until I pulled all three credit reports a few days ago. They have now reported on Equifax that I have a foreclosure (I realize a short sale affects credit scores almost the same, but this is incorrect). Also, they are reporting an outstanding balance/past due balance of $4000, which actually is the amount charged off. The new loan, for the deficiency balance, is being reported as a charged off account, with the entire remaining balance showing as past due.

I have disputed these items with Equifax. Opinions wanted on whether the accounts are actually reported the proper way and I am just in a sad state of denial about it, or if they are incorrect as I believe, or maybe a mix of correct and incorrect.
Question Deals
Rental Property- Capital gains question
Added on : Saturday September 27th 2014 04:00:05 PM
g: 0 Posted By: dealzsaint
Views: 23 Replies: 0 Scenario - I bought a home in Michigan and had it as my principal residence for 1 year. Had to move due to work and converted this to rental property. After 3 years as rental property , now I am planning to sell the house. May be able to sell the house for a little more than what I bought. Since I lived for less than 2 years, Iwill not qualify for the tax exemption. Other than the 1031 exchange, are there any other options to decrease the tax liability. Also had a bad renter that I had to evict and ended up with about 10K loss, that I could not recover 2 years back. Any way to account for that when I get taxed for any gains that I may make.
Question Deals
New Arrivals: Loriblu - Fuchsia Fluo Shades on Calf Hair Pump
Added on : Saturday September 27th 2014 09:00:04 AM
Fuchsia Fluo Shades on Calf Hair Pump crafted in brushed haircalf leather in umbra bold shades, adds a pop of color to your look in a classic style with updated vibe. Featuring covered stiletto, logo detail at quarter panel, pointed toe, low vamp and leather sole. Signature dust bag and box included. Made in Italy.
Legal ways to lower tax liability between now and EOY
Added on : Saturday September 27th 2014 08:00:15 AM
g: 0 Posted By: hdpq
Views: 47 Replies: 1 My position at my previous employer was eliminated back in April and I received a fairly decent severance package. To put it bluntly, I earned more during severance than I would have if I had been an employee. Adding to the gravy train, I landed a job with a similar salary about a month ago, so I'll be "double dipping" for a few more weeks.

What can I do to lower my tax liability for 2013?

Since I am "double dipping" for a while, I'm going to be maxing out my 401k contribution. I have a feeling I'll be subject to income limitations for Traditional IRA contributions, so I won't make those contributions until next year for calendar year 2014. I do have 2 kids, so I can contribute to their 529 plan and lower my tax liability, but I have to make those contributions before 12/31. I am maxing out my transit benefit from my new employer, but that's just a couple hundred bucks a month - so won't make a huge difference. I do have a rental property, but we didn't have a lot of expenses there, so likely will just be taking some standard deductions with that.

I know this is a fairly broad question - but I'm open to ideas on how to legally lower my federal and state tax liabilities for 2014.

Tax Deals
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.
Personal Finance Deals
g: 0 Posted By: VegasVegan
Views: 205 Replies: 0 LINK

edit: FW follow through breaks link.
Copy and Paste Link Below

http://accessories.us.dell.com/sna/sna.aspx?c=us&cs=19&l=en&ref=...

All come with a $25 Dell ePromo Card and Free Shipping

Titles
Call of Duty: Advanced Warfare -$59.99
Sunset Overdrive - Day One Edition -$59.99
Halo: The Master Chief Collection -$59.99
Driveclub -$59.99
NBA 2K15 -$59.99
Assassins Creed: Unity -$59.99
Dragon Age: Inquistion -$69.99
Far Cry 4 -$59.99
Grand Theft Auto V -$59.99
Middle Earth: Shadow of Mordor -$49.99
WWE 2K15 -$59.99
The Crew -$59.99
Borderlands: The Pre-Sequel -$59.99
Sid Meier Civilization: Beyond Earth -$49.99
Just Dance 2015 -$39.99
The Evil Within -$59.99

I didn't include available dates as some titles have different dates for different formats


Video Games Deals
Help With Finding Insurance Broker
Added on : Friday September 26th 2014 03:00:09 PM
g: 0 Posted By: scottybweyy
Views: 41 Replies: 0 I have tried locally with a few brokers in SC with very poor results. Three times I feel like I received poor customer service. After a week of waiting for quotes, I still hadn't received any updates and after pinging for a few more days I would just ask them to cease shopping and moving on.

I'm looking to potentially bundle homeowners, flood, auto, and umbrella. Are there any decent online brokers you would recommend?
Insurance Deals
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.

Anyway, this weekend they are having a promo where you will receive 2000 points (good for two cash entries) when you join and use a code I can send you.

Again, there is no cost to join anything. I'm assuming they are running this football year free to get any kinks out before charging something down the road. But it is free now and fun. Plus a draft only takes a couple minutes.

So if you are interested, or have any questions, shoot me a PM or ask below.
Totally Free Deals
Demand letter from previous tenant, respond?
Added on : Friday September 26th 2014 07:00:13 AM
g: 1 Posted By: sailinlight
Views: 56 Replies: 3 I had a tenant move out after going month-to-month after the expiration of their lease. About six months past into the month-to-month I gave them 30 days notice (per the lease, state law specifies 7 days) to move out since we decided to sell the house. Tenants were not happy about moving out, but things went relatively smoothly. Didn't do a formal move-out pre-inspection but I went over there to talk to the tenants and the place was a mess. They had three children and apparently didn't believe in discipline whatsoever. There were crayon and marker all over the walls, large and small holes in the drywall in many walls throughout the house, the kitchen was a mess, etc. They promised that everything would be fixed when the moved out. After move-out, the place was less of a disaster but not anywhere close to move-in ready. The drywall patches were extremely poorly done and required sanding and repainting, much of the marker on the walls didn't come out so required sanding and repainting.
Painting alone cost $800, plus there were other things like cleaning the oven, walls which didn't need repainting, grass needed reseeding where . They also owed about $500 in back rent for the first few weeks of the last month they were there which they didn't bother paying. Total security deposit was $1,000, and I withheld the other $500 for repairs/cleaning. I itemized charges well in excess of $500 and put a line at the bottom for goodwill negating the amount over what the security deposit would cover. They clearly weren't happy about this..
So yesterday I get a demand letter from an attorney asking for the $500 back or a lawsuit would be filed for triple the original security deposit. From reviews I found this law firm seems to handle mostly prepaid legal services, and the letter even said that further contact should be made directly with the former tenants, so I suspect the chances that they plan to retain the law firm for an actual suit is low, most likely if they do sue it would be in small claims I imagine.

How would you respond if at all? I am thinking one of these choices-
1) Ignore it and see if they sue
2) Respond back with the plethora of pictures I have (which I already sent with the original itemization) saying that I believe I was correct in withholding the deposit
3) Respond back stating that if a suit is filed, that I would counter-sue for the water damage they allowed to accrue in the basement, a bleach stain in the carpet which I didn't note in the original itemization because I didn't replace the carpet, dents in the refrigerator which was brand new, a new water heater to replace one that was working fine but they threatened to sue over stating all five of them couldn't take back to back showers and baths so the house was not fit for habitability, etc

I have no intention to pay them without a court order. They were the worst tenants I've ever had, called all the time for the most minor of things (they overloaded a GFI outlet once and made me come over to replace it because the sprinkler control box was on the outlet and said that if I didn't come fix it, they'd let the lawn die- all it needed was the reset button pressed), let the basement flood (then tried to complain about mold, which they also brought up in the demand letter) without notifying me for almost two days.

Thoughts? I promise to keep the thread updated for entertainment value (if there is any for anyone).
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Intex Whale Spray Pool $13.75 Fs Prime Amazon Lightning Deal
Added on : Friday September 26th 2014 04:00:08 AM
g: 0 Posted By: tedhawkins
Views: 140 Replies: 0 Intex Whale Spray Pool $13.75 Fs Prime Amazon Lightning Deal

http://www.amazon.com/dp/B000N9FBZW/

The Intex Whale Spray Pool provides shade under his tail and a cooling spray
Built-in sprayer plugs into standard garden hose
Pool allows for 7" (18cm) of water
Repair patch included
82" x 62" x 39" (208cm x 157cm x 99cm)
Ages 3+


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Amazon Coupons
Cable Modem Zoom 5341J DOCIS 3.0 for $59 at Amazon
Added on : Thursday September 25th 2014 10:00:04 PM
g: 0 Posted By: thesandman2
Views: 71 Replies: 0 http://www.amazon.com/Zoom-DOCSIS-Cable-Modem-5341J/dp/B0063K4NN...

Zoom 5341J at Amazon for $59. Fantastic price for a DOCSIS 3.0 modem with a reputation for being workhorse.

I had a Motorola SB6121 that after 2 years started dropping signal several times a day. I read that this is fairly common for the SB6121 due to powersupply failing with time. I wanted the replacement to be different brand from motorolla and the Zoom has a great reputation going back decades to the dial up modem days. The Zoom been rock solid over the last month

As a side note, the 5341J is capable of bonding 8 down stream channels and 4 upstream channels for the few who need this (the older zoom 5341 without the "J" was a 4x4 modem). This makes the 5341J comparable to the motorolla SB6141 rather than the SB6121

Here is a discussion on comcast forums of the 5431J vs SB6121. They feel the 5431J to be a superior modem.
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Amazon Coupons
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.
FNMA quietly changed Short sale period in recent guidlines last month
Added on : Thursday September 25th 2014 06:00:12 AM
g: 0 Posted By: VoR
Views: 66 Replies: 2 FYI
Deed-in-lieu of Foreclosure and Preforeclosure Sale Message Updates
The waiting period requirements for borrowers who have had a previous deed-in-lieu of foreclosure or
preforeclosure sale are being updated to now require a four-year waiting period; though a two-year waiting
period will be permitted if the event was due to extenuating circumstances and the loan complies with all
requirements specific to a deed-in-lieu of foreclosure or a preforeclosure sale due to extenuating
circumstances, as specified in the Fannie Mae Selling Guide. The loan-to-value restrictions previously tied to
different waiting period timeframes are also being removed.
The deed-in-lieu of foreclosure and preforeclosure sale messages issued by DU will be updated to reflect this
change, and will specify the effective date of the updated waiting period requirements.

---

After just having a successful refi on residence after a SS 2+ years ago looks like now that I am being relocated getting a new home loan will be very difficult even with 25% down & scores ~700. Had to SS a rental after not being able to find a new tenant quickly. Had two incomes when we started renting it but that ended shortly after with a layoff. I think the layoff over 3 years ago will not qualify as extenuating circumstance and lenders I've spoke to said it is a very difficult proposition through FNMA. We've considered going with a Portfolio lender but it sounds like they don't want to get too far away from the new guidelines since they are so new.
Real Estate Deals
Free digital comics from comixology - 9/25 only
Added on : Thursday September 25th 2014 06:00:11 AM
g: 0 Posted By: SlimTim
Views: 57 Replies: 0 https://www.comixology.com/National-Comic-Book-Day/page/3587??ti...

For National Comic Book Day, comixology is giving away a bunch of first issues, many very good quality (and many new to me). Enter promo code COMICS at checkout. Offer expires 9/25/14 at 11:59 PM EST.

Comixology has a pretty cool platform with new & classic comic content, and a slick HTML5 reader that makes them work very well even on a small device like a phone.

The New 52: Futures End #1
Southern Bastards #1
The Delinquents (2014) #1: Digital Exclusives Edition
Stumptown Vol. 3 #1
Terminal Hero #1: Digital Exclusive Edition
Winterworld #1
Rai (2014- ) #1: Digital Exclusives Edition
Lumberjanes #1
The Life After #1
Dead Letters #1
Princess Ugg #1
Hacktivist #1
Ragnarok #1
Nailbiter #1
The Woods #1
Translucid #1
UNITY (2013- ) #1: Digital Exclusives Edition
X-O Manowar (2012- ) #1: Digital Exclusives Edition
Harbinger (2012- ) #1: Digital Exclusives Edition
Bloodshot (2012- ) #1: Digital Exclusives Edition
Archer & Armstrong (2012- ) #1: Digital Exclusives Edition
Quantum and Woody (2013- ) #1: Digital Exclusives Edition
Harbinger Wars #1: Digital Exclusives Edition
Shadowman: End Times #1: Digital Exclusives Edition
Eternal Warrior (2013- ) #1: Digital Exclusives Edition
Shadowman (2012- ) #1: Digital Exclusives Edition
Totally Free Deals
CLC Bucket Caddy only $11.39 after coupon on AMAZON.
Added on : Thursday September 25th 2014 06:00:02 AM
g: 0 Posted By: dollarsanddeals
Views: 2 Replies: 0 Amazon has this at $13.89 which lowest on the internet (from a reputable site), plus is featuring a coupon for $2.50 off, $11.39 total. I bought this two months ago when it was on coupon (same price) and it is a wellm-ade and handy oranizer. It does not include the busket, but I threw away my old ripped up caddy and used the bucket I had. Lot's more pockets, and this feels much more durable, heavier material and buckles. I also have the bucket seat- I think it is handy to have.

http://www.amazon.com/Custom-Leathercraft-1119-Bucket-Organizer/...

this sold out fast last time, so I would not wait. Makes a great gift id nothing else. 4.7 stars on 97 reviewsRuggedly Built Custom Leather Craft 1119 bucket caddy and organizerThe CLC 1119 is an excellent solution for installers and repair technicians, DIY handymen, or even gardeners who need to transport tools quickly and easily. The tool bucket design incorporates pockets and sleeves of various sizes and configurations to hold a multitude of tools and small parts. The CLC 1119 is great for HVAC, satellite/cable television technicians or gardeners who what to have their tools close and a place to discard weeds. This tool bucker organizer includes 48 pockets and sleeves. It is also includes interior pockets to provide the contractor or gardener organization of tool groups. Fourteen double row pockets inside this bucket caddy and thirty four triple row outside organize a wide range of tools and gardening accessories. Custom Leather Craft has included a section to hold an extension cord and, pliers, screwdriver, and much more. This bucket garden caddy/tool bag also has a hook and loops.

The Original Aviator Full Mirror Sunglasses - $3.99 w/ FS @ Amazon
Added on : Thursday September 25th 2014 03:00:04 AM
g: 0 Posted By: Savvymommy03
Views: 144 Replies: 1 Amazon has the The Original Aviator Full Mirror Sunglasses on sale for $3.99 w/ free shipping.

UV400 Protection. Lightweight, durable construction
Get a FREE premium microfiber bag with EVERY sunglass purchase
Comes with The Shade Source 100% Satisfaction Guarantee

4.0 out of 5 stars based on 395 customer reviews on Amazon


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Amazon Coupons
New 50,000 milesignup bonus for United MilesPlus Explorer CC (targeted??)
Added on : Wednesday September 24th 2014 06:00:06 PM
g: 4 Posted By: duhmel
Views: 960 Replies: 6 New 50,000 milesignup bonus for United MilesPlus Explorer CC (targeted??)I was upset that I missed the recent 50,000 bonus for the United C that expired on September 2. I was about to spring for the 30,000 mile offer when I received an invitation in the mail for a 50,000 mile offer. The letter says that it is targeted but when I went to the website identified in the letter

CC offer

I was taken to a page that said that you needed an existing account to take advantage of the offer. I put in my account number (letter had been addressed to my wife) and I was taken directly to the Chase application screen so the 'Target' must be only for existing account owners. Offer expires November 15.
Deal Deals
dad lost social security card - credit report freeze?
Added on : Wednesday September 24th 2014 05:00:08 PM
g: 0 Posted By: bxd20
Views: 75 Replies: 1 My dad lost his wallet while shopping and it had his SS card. YES I KNOW - never ever carry your social security card. I thought he had removed it a long time ago. Had his medicare card in there too with SSN.

I've cancelled his existing CCs.

Should I contact the 3 major credit reporting agencies and place a freeze? I read some old FW threads about losing your SS card and it didn't seem to be a common suggestion.

Thank you.
Question Deals
New 50,000 milesignup bonus for United MilesPlus Explorer CC (targeted??)
Added on : Wednesday September 24th 2014 01:00:03 PM
g: 1 Posted By: duhmel
Views: 161 Replies: 0 New 50,000 milesignup bonus for United MilesPlus Explorer CC (targeted??)I was upset that I missed the recent 50,000 bonus for the United C that expired on September 2. I was about to spring for the 30,000 mile offer when I received an invitation in the mail for a 50,000 mile offer. The letter says that it is targeted but when I went to the website identified in the letter

CC offer

I was taken to a page that said that you needed an existing account to take advantage of the offer. I put in my account number (letter had been addressed to my wife) and I was taken directly to the Chase application screen so the 'Target' must be only for existing account owners. Offer expires November 15.
Travel Deals Deals
JCPenney $10 off $25 printable coupon 9/24 to 9/28
Added on : Wednesday September 24th 2014 08:00:02 AM
g: 0 Posted By: ctgolfer
Views: 34 Replies: 1 $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 watches, furniture, mattresses and custom blinds and shades. Offers good in store only, excluding taxes, 9/24/149/28/14.

Does not apply to Doorbusters, Big Buys, Best Value, Levi's, Disney Shop, Assets Red Hot Label by Spanx, Licensed Team Sports Merchandise, Nike, 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, Fitness Equipment & Accessories, Art.com, Baby Gear, Personalized Jewelry, Services, Service Plans, Gift Cards, Furniture Outlet Purchases, Closing Store 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. Coupon can be combined with earned JCPenney Rewards. Coupon cannot be used for payment on account. Coupon cannot be redeemed as cash or merchandise credit if merchandise is returned. No cash value.

https://e.jcpenney.com/pub/sf/ResponseForm?_ri_=X0Gzc2X%3DWQpglL...
g: 0 Posted By: wordgirl
Views: 210 Replies: 0 These two promotions stack: CLEAR40 gives you 40 percent off all summer clearance clothing plus it automatically gives you buy one, get one free on women's summer clearance tops (apparently tops only) from their house Basic Editions brand, which has many cute t-shirt options available for back-to-school, casual wear or ... well, whatever else you use T-shirts for.Women's basic editions tops sorted low to high

Free shipping on orders > $60.

I ended up with 19 tops (not all for me, obviously, and not all included in the BOGO), a dress, a bikini bottom, and a pair of sandals for $65.30 shipped (which includes tax and I had about a dollar's worth of SYW points).

The 40 percent off by itself is a pretty good deal - earlier in the sale I ordered some jeans and capris for about $5-7 a pair after the discount. Selection still seems pretty good though some sizes are running out. And for the mens, the CLEAR40 code can get you $1.88 t-shirts in a wide selection of colors, though alas, no BOGO for y'all.

Not sure when it expires; the initial email (from yesterday) said it was only good yesterday, but it's definitely still working today. Also, for what it's worth, I had a tough time getting checkout to load in Chrome so I used IE.


Clothing Deals

Kmart.com Coupons
g: 0 Posted By: tk149
Views: 51 Replies: 0 I was at Best Buy and was surprised to see that they had these graphic novels for sale at $7.99 each. They were located on an end cap along with DVD & Blu-Ray comic book movies.

Batman and Son (retail price $12.99)
Flashpoint (retail price $12.99)
Godzilla Awakening (retail price $12.99) - this is shrink-wrapped and says it has a digital edition included.

I was only able to find a link on their website to the Godzilla one:
Godzilla Awakening

I talked to a sales guy in the TV section, and he said that he had no idea that they were selling these, but he was going to buy them too. I guess that they're not promoting them.

Books & Magazines Deals

Best Buy Coupons
How to Contact Hiring Manager After Interview
Added on : Tuesday September 23rd 2014 07:00:15 AM
g: 0 Posted By: t0pher
Views: 72 Replies: 0 Several weeks ago I had a phone interview for a financial analyst position and it went very well. This is a corporate finance role where all the team members are former investment bankers and management consultants (JP Morgan, Bain, etc.). My skill set matches what they need very well, though I don't come from a banking/consulting background.I was invited on the spot during the phone interview for an in-person interview.

The face-to-face involved me cycling through 7 people with a math test at the end. I felt I did pretty well throughout the whole process but I didn't knock it out of the park. The hiring manager did respond to a thank you email I sent after the interview. A couple days later I get a request from my headhunter and a personal email from the hiring manager to do some other testing (good sign?). This testing was difficult so I'm not entirely sure how I did.

I was the first person brought in for the face-to-face interviews and was told they'd be going through some more interviews the following week. Late this week would be the 2 week mark since my interview. I am planning on contacting the hiring manager at that time. Phone call or email? What do I say?
Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 139 Replies: 0 Risen 3: Titan Lords for Xbox 360 and PlayStation 3 $ FS Amazon

http://www.amazon.com/gp/goldbox/all-deals

Freely explore, playing different parts of the game in the order you wish and shape your unique adventure; take on quests at your leisure, each which will have different ways to tackle them and with different outcomes
Discover quests and characters as you traverse this world in a variety of ways from swimming to climbing; quaint medieval-style towns to deep into the dank dark of mines, to the supernatural shadow world, there is much waiting to be explored
Risen 3 - Titan Lords is made for players looking for a more classic experience, that hearkens back to the day when games refused to hold your hand and left your path and destiny up to you
Crystal magic has returned, bringing with it devastating new combat abilities; Wield elements such as lightning, fire and ice to obliterate your foes, or make use of a multitude of additional magical skills to aid you in exploration - the choice is yours
Choose to ally yourself with one of three distinct guilds, each offering unique skills, armories and quests allowing you to approach your adventure in very different ways
Video Games Deals

Amazon Coupons
g: 1 Posted By: st4rdust
Views: 152 Replies: 0 Sephora has thenails inc. 6-pc. Limited Edition Autumn Winter Collection on sale for$13.00with Free Shipping on orders of $50 or more.

3.9/5 stars based on 11 customer reviews. You can sign up for a free Beauty Insider rewards account to earn points towards makeup freebies with every Sephora purchase


"Inspired by the metallic trend on the catwalks, foil effect polish is a fantastic way to try this new trend. Nails inc. went behind the scenes at London Fashion Week to translate the hottest shades into highly pigmented, ultra glossy nail colors with a truly flawless finish."
Health & Beauty Deals

Sephora Coupons
11 Great Mac Apps - 90% off (save $445) Limited-Time
Added on : Tuesday September 23rd 2014 01:00:04 AM
g: 0 Posted By: xyankee
Views: 118 Replies: 0 MacUpdate has put together another solid collection of Mac apps for $49.99 (retail: $495)

One thing that jumps out at me is how many of these titles cost as much (or more) than the bundle by themselves, and they're all pretty good apps that have been updated recently. Not much filler or bait-n-switch pending-paid-upgrades (about to be obsolete versions), which is nice to see for a change.

The lineup:
1. Toast 12 Titanium- $99.99 - The best multimedia toolkit for Mac (media burning/encoding/etc.)
2. Ember- $49.99 - picked "Best Mac App 2013" in the Mac App Store by Apple; this is a great productivity booster
3. NoteBook 4- $49.95 - Awesome for students or organizing ideas.
4. Tonality Pro- $69.99 - Black & White photo editor. Pretty niche, but the non-Pro version and popular and well-rated in the Mac App Store.
5. Scrivener 2.5- $44.99 - Pretty much THE best writing app for any platform.
6. iMazing- $29.99 - iOS device manager; lets you copy music to/from any device no matter what computer it's synced to, use your iOS device like an external drive, download voicemails/sms/call logs, etc... all this good stuff you can't do with iTunes.
7. Bookends 12- $59.99 - Bibliography app, guess it maybe appeals to students.
8. Mac DVDRipper Pro 5- $24.95 - Just released, the best DVD ripper by far.
9. NetShade 6- $45.00 - 6-months of VPN+Proxy service.
10. iStat Menus 5- $19.00 - Monitor your Mac from the menu bar; I consider this a must-have (but already own it, obviously).
11. SimCity 4 Deluxe Edition- $19.99 - This is like 10 years old but was apparently updated earlier this year.

The value for me is in Ember, NoteBook, Scrivener, iMazing, and iStat Menus. NetShade is probably also pretty handy if you're on public Wi-Fi networks, but I usually just tether via my iPhone.

Overall, a pretty good Mac app deal, maybe the best one I've seen this year.

MacUpdate Bundle
Macbooks Deals
Thief [PS4] $19.99 + SH @ Woot
Added on : Monday September 22nd 2014 10:00:06 PM
g: 0 Posted By: ctgolfer
Views: 162 Replies: 0 shipping adds $5

Step into the silent shoes of Garrett, a dark and solitary thief with an unrivaled set of skills
Explore the sick and troubled City, from its shady back alleys to the heights of its rooftops
Leverage Garrett's arsenal to take down guards with your blackjack, shoot one of your many arrow types or use your newly acquired focus abilities to manipulate the environment and outsmart your enemies
Become one with the world thanks to ground-breaking visual elements and a truly tactile and visceral first-person experience
Through jaw-dropping Next-Gen technical possibilities, Thief delivers unprecedented immersion through sights, sounds and artificial intelligence

http://electronics.woot.com/offers/thief-ps4-1
PS4 Deals

woot! Coupons
Tivo Mini $99.00 @ Radio Shack requires a liitle patience
Added on : Monday September 22nd 2014 04:00:04 PM
g: 2 Posted By: alohashirt
Views: 342 Replies: 2 Radio Shack has had the Tivo mini listed out of stock for $99.00. I signed up a few days ago to be notified when available. Received email yesterday they were in stock, ordered 4 of them and figured it would get canceled. Just got shipping confirm for all 4. So if you missed the 78 and 88 deals, this is the next best chance. Sign up and be quick as they are sold out again. Good luck.

Tivo mini link
Electronics Deals

RadioShack Coupons
RockSmith 2014 Steam Edition (PC/MAC) $15 or Less
Added on : Monday September 22nd 2014 12:00:04 PM
g: 1 Posted By: quarky42
Views: 95 Replies: 0 Thanks to the information I found this expired thread,I found out today that you can:

Get RockSmith 2014 Steam Edition (without required USB cable) from Mac Game Storefor $15.
Option:Use the code: "macgames5off" without quotes for an extra 5% off during checkout bringing the price down to $14.25.

They will send you a code that you redeem in Steam for the game. (This is even cheaper than the expired deal!) Yes, they are called Mac Game Store, but this is for a Steam Powered Game which means it will work for PC or MAC.

This is the PC/Mac version redeemed through Steam. This version does NOT come with the required USB to 1/4" Guitar Cable. That cable can be found for $24 or less if you shop around. This deal is mainly intended for people that already have the cable and might be interested in getting the Steam version of this game. If you don't have the game, then consider buying the first one which comes with the cable from a store and buy this one to expand your tracks to well over 100.

INSTRUCTIONS AFTER PURCHASE:
1. You will have to install the Steam Client from SteamPowered.comand sign up for a free Steam Account through the client software. When you run the software for the first time you can sign up for an account in the software. (You can't sign up for an account on their website.)

2. Redeem the code that Mac Game Storesent you in the installed Steam Client program. I believe you have to click the "+ ADD A GAME..." in the lower left corner of the Steam Client window. Next, you'll click "Activate A Product on Steam..." and follow the onscreen instructions using the code you bought from above to install the game.

TIPS:
You can find the original RockSmith game that comes with the cable for $34 on Google Shopping. Edit: I had to cut the tip down because the RockSmith Import License that lets 2014 import the earlier game tracks requires you to own RockSmith on Steam. I'm not sure if the PC version that you buy in the store is Steam Powered or not. I think it is, but I don't want to get your hopes up. I have seen the original RockSmith go on sale on Steam, before so you can get it for a deal in the future.

ALTERNATIVE SELLER:
I also found RockSmith 2014 Steam Version from GameTimeZonefor $15 with a 5% coupon code "twizz" (without quotes). The website shows a picture of 2014. The title and Paypal Checkout doesn't say 2014 in the name. When they call to verify your phone number, address and email address that you used during checkout I confirmed with the representative that this was for the 2014 version. They emailed me the code within a couple minutes after the phone call. I won't be able to redeem the code until I get home tonight.

I hope this has been helpful. Please give me some constructive feedback if I did something wrong or could do something better. (I've only posted a few times, so please be gentle, I'm just trying to help.)
Video Games Deals
Racheal Ray Steamer, $33.99, Shopko YMMV
Added on : Monday September 22nd 2014 10:00:02 AM
g: 0 Posted By: LORENW
Views: 102 Replies: 0 My local Shopko had a Rachael Ray 3 qt steamer on clearance for $33.99.
Best price on Amazon was $10 more
I did buy the only one, many other RR items on clearance did have deep stock.
Home & Garden Deals

Shopko Coupons
New Arrivals: Vivienne Westwood - Shaded Logo Wool Blend Shawl
Added on : Monday September 22nd 2014 09:00:11 AM
Shaded Logo Wool Blend Shawl is cool way to add a splash of color to your winter wardrobe. Featuring a soft fine woven gradient colored shawl with a calligraphy signature orb on one side in black with soft fringe edging. Made in Italy.
Getting a TransUnion Credit Report after auto loan denial
Added on : Monday September 22nd 2014 04:00:11 AM
g: 0 Posted By: Savyasachi
Views: 32 Replies: 0 Hello folks,

First time new auto shopper, applied for an auto loan with Chase and they denied it (in spite of pretty good credit score). They sent a letter stating I can get a free credit report from Transunion. I tried getting it online and their screwed up website could not verify my identity (this REALLY surprises me). This has happened in the past too, when I tried to get free annual credit report. Since then, I ALWAYS send a mail to get one.

I called the number provided by Chase on the letter and got a report request rolling. During this phone call, it didn't check the eligibility for a credit report, so I am not too sure if it calculated it as a free annual credit report or as a consequence of auto loan denial. (I get my annual credit reports from all agencies, with a margin of 4 months.) FWIW, I signed up on their website, as it was mandatory to proceed to get the free report, as a result of auto loan denial (I had to enter how I qualify for it).

My questions are
- How do I figure out what TransUnion calculated it as, a free annual credit report or a credit report as a result of auto loan denial?
- I made an account on their website. A quick look, I didn't find any way to delete it. I was pretty much sure while signing up that this is a one way road, still any idea if I can delete the account?

Thanks in advance.
Personal Finance Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/gp/product/B007SANLJC

4.5 out of 5 stars (86 customer reviews)

Revised and expanded edition!
We all want to include emotion in our photographs - it's what separates the "snapshooter" from the artist!

Color is one of - if not THE most important tool we can use to insert emotion. But few of us really know how.
Once you've read through this lesson (it's fast and easy) you will never think of color the same again!

For example... we all know that red is a good accent to attract attention. It can also indicate heat, passion or even stop! But there is more, a lot more.

Learn how Baboon Butts affect the way we look at the color red!

Depending on the shade of red used it could elicit emotions like:

Light red - represents joy, sexuality, passion, sensitivity, and love.
Pink - signifies romance, love, and friendship. It denotes feminine qualities and passiveness.
Dark red - is associated with vigor, willpower, rage, anger, leadership, courage, longing, malice, and wrath.
Reddish-brown is associated with harvest and fall.

Here is a copy of the table of contents to show a little of what is covered in this "On Target Photo Training" lesson volume...

Introduction:

Composition Review:

Leading Lines

Diagonal Lines

The Rule Of Thirds

Power Points

Horizontal Power Lines

Vertical Power Lines

Controlling The Viewer With Color

Using Color

Color Is Additive

How Film And Digital Sensors Work

Controlling Emotion With Colors

Changing The "Feel" Of A Photo With Color

Cross Processing And Other Techniques For Edgier Color Effects

The Meaning And Affects Of Various Colors

Color Used To Harmonize

Tying It All Together

The Color Wheel

Get Better Landscape Photography By Using Kodak Yellow!

Focus On People - Not Clothing

Hand Tinting

How Baboon Butts And Red Dresses Affect Your Portrait Photography

Shooting Color - Techniques

How To Intensify The Colors In Your Portrait Photography!

How To Get Stunning Colors In Your Sunset Photography!

Adding Filters

Here Is An Indispensable Filter For Great Landscape Photography!

Photo Exercise

Additional Photo Training


In the section on Using Color - We discuss the concept of color management, how and why it works to elicit emotion in our viewers.

The Color Wheel - The color wheel is a graphic representation that will make it easy to select what colors harmonize and which ones don't. Sometimes you will want harmony, and other times you will want to jar your viewer. Now you will know what colors to use.

And more...and more...and more...

Color is a key element in photo composition but very few photo courses even mention it!
Once you have Volume 10: Control Viewers! Make Your Color Photography "POP!" you will KNOW how the colors in your photos are affecting the viewer!
Totally Free Deals
Posting a rental and managing applicants
Added on : Sunday September 21st 2014 05:00:08 PM
g: 0 Posted By: Cammel
Views: 133 Replies: 0 Hello everyone. Long time FW member (reader) and want to let everyone here know I appreciate all the insight and experiences you share.

Needing some advice on my first rental I purchased (yes, you all have inspired me). It's a 3 BR 2 BA SFDU, built in 2005 and is 1100 square feet (rent is $650). House is very clean and neat.

I used postlets.com to advertise as well as craigslist. The next (Tuesday) day I had over 10 emails and 30 calls about the place and that evening (about half of them left messages saying they had the money and wanted to move in right now) I removed the post from all the sites just to manage the candidates. (I didn't answer any calls, had them leave VM) I called 3 back (ones I thought were most promising), gave a phone screen, then setup an open house to view the property (.on Sunday). 2 of the applicants came, viewed the house and took applications. I don't think either will bite.

So, a couple lessons learned. One, I may have an opportunity to increase the rent, but it is what it is. Two, I may have taken things too cautious when it comes to screening and picking the right folks to view. Maybe they lost interest having to wait 4-5 days just to see the place?

I was thinking of a new approach, but I haven't seen it done, so wanted this audiences input.
1) Post the property back on postlets and craigslist.
2) Include in the posting the "Screening" criteria (minimum income 3x rent, no pets, no smoking, $30 application fee per adult tenant (to cover credit and background checks) 6 tenants max, why are the moving, have they ever been evicted, can they bring 1st month rent and deposit at lease signing, can they supply employment and landlord reference, etc).
3) Include on the posting an open house (between 6:30 and 7:30) the next two days. They can come view the property and take/fill out a lease application in person
4) Include on the posting a link to the lease application.

So, the intent is to quickly process a number of prospective applicants by
(1) let them know the criteria before coming to view the house.
(2) Giving them access to the lease application online before hand.

That way, those who come to the open house should only be those who haven't excluded themselves from the initial screening information on the post.

Is this a wise idea? Am I "showing my hand" by providing all the info up front? Why don't I see this done on other rental posting?


** Sorry, meant to put this in the rental thread... Mods, if you move that there, it would be great.**



Question Deals
Smashbox Ombre Eyes Set - $27.95 shipped @ ULTA
Added on : Sunday September 21st 2014 10:00:02 AM
g: 0 Posted By: hellokitty27
Views: 54 Replies: 0 Ulta has the Smashbox Ombre Eyes Setfor $22.00 w/ $5.95 shipping. Orders $50+ ship free.

Includes:

Full Exposure Mascara
Lip Enhancing Gloss in Blush (mid-tone creamy pink)
Blush in Rosy (mid-tone matte pink)
Eyeshadows:

Pastel (soft ballet pink)
Lavender (soft purple)
Violet (matte grape purple)
Ebony (matte rich black)


Makeup Deals

ULTA Coupons
15% off $100 staples gift card at giftcardmall
Added on : Sunday September 21st 2014 06:00:10 AM
g: 0 Posted By: jpessin3
Views: 274 Replies: 15 I tried using the Staples gift cards that I got from giftcardmall last week (They had to email the PIN's because they forgot to print them on the card) and it tells me there is no balance. Has anyone else had this problem?

(You can check your balance online at
http://www.staples.com/sbd/cre/marketing/giftcards/index.html?cm...

and scroll down to the bottom of the page where it says check balance

if you haven't done so yet)
Office & School Supplies Deals

Giftcardmall.com Coupons
g: 0 Posted By: remick
Views: 121 Replies: 0 http://www.amazon.com/gp/product/B00GWT8E10/

4.5 out of 5 stars (56 customer reviews)

Former Navy rescue swimmer Brian Dickinson was roughly 1,000 feet from the summit of Mount Everestalso known as the death zonewhen his Sherpa became ill and had to turn back, leaving Brian with a difficult decision: should he continue to push for the summit, or head back down the mountain? After carefully weighing the options, Brian decided to continue toward the summitalone. Four hours later, Brian solo summited the highest peak in the world. But the celebration was short-lived. After taking a few pictures, Brian radioed his team to let them know he had summited safely, and got ready to begin his descent. Suddenly, his vision became blurry, his eyes started to burn, and within seconds, he was rendered almost completely blind. All alone at 29,035 feet, low on oxygen, and stricken with snow blindness, Brian was forced to inch his way back down the mountain relying only on his Navy survival training, his gut instinct, and his faith. In Blind Descent, Brian recountsin fantastic detailhis extraordinary experience on Everest, demonstrating that no matter how dire our circumstances, there is no challenge too big for God.
Books Deals

Amazon Coupons
Gearwrench 56 pc ratcheting screwdriver/socket set $15.74 @ searsoutlet
Added on : Saturday September 20th 2014 06:00:11 AM
g: 0 Posted By: momoman
Views: 181 Replies: 0 link

SearsOutlet has the Gearwrench ratcheting screwdriver/socket set for $15.74 with free in-store pickup (if available in your area) or you can pay for s/h (no free SYWM s/h). The set is currently $31.49 at Sears.

I've been watching this set for a while to buy for gifts. I bought a set (FW deal for ~$20) a while back and it's been my #1 go to set of tools to grab to work on my car, bike, home appliances, etc. I had 40,000 SYWR points that were about to expire and was able to use them at the SearsOutlet site. It cost $6.25 to ship 1 set for me but I paid $9.94 to ship 4 sets.
Tools Deals
Free Kindle Book: A Day in Paris (Travel Guide) Today (9/20/14) Only
Added on : Saturday September 20th 2014 04:00:08 AM
g: 0 Posted By: wd5gnr
Views: 56 Replies: 0 If you had only one day to be in Paris, how could you get the most out of it? This eBook is full of tips about how to be prepared, cell phone apps, how to get around, things to bring, and more to make sure you get the most out of a day in Paris, no matter if it is your only day or one of many.

http://www.amazon.com/Day-Paris-How-most-each-ebook/dp/B00NJVIJM...
Totally Free Deals
OneDrive double storage from 15gb to 30gb for enabling camera backup
Added on : Saturday September 20th 2014 03:00:02 AM
g: 0 Posted By: sidewinder33625
Views: 0 Replies: 0 offer is good until 9/30 but upgrade is permanent. works in ios, android and windows phones by downloading the app and enabling camera roll backup. I already had camera backup enabled on my android and now sitting at 43gb total with all the promos.
g: 0 Posted By: ctgolfer
Views: 102 Replies: 0 Perfect for aerobic activities on warm days.
Omni-Freeze ZERO reacts with perspiration to lower the temperature of the fabric, so you can sweat smarter.
Omni-Wick EVAP moisture management technology disperses sweat quickly across a broad surface area for accelerated evaporation, so you feel dry and comfortable faster than ever before.
Omni-Shade UPF 50 protects you from damaging UV radiation by blocking the majority of the sun's harmful rays, so you can stay out longer.
4-way comfort stretch.
Ergonomic seaming.
Ergonomic sleeve hem.
Thumb holes.
92% polyester, 8% elastane.
Machine wash cold, tumble dry low.
Imported.

www.6pm.com/columbia-freeze-degree-ii-half-zip-shirt-sedona-sage...
Clothing Deals

6PM Coupons
LG - 27" IPS LED HD Monitor - Black $189.99 w/FS @ Best Buy
Added on : Friday September 19th 2014 07:00:08 PM
g: 0 Posted By: ctgolfer
Views: 161 Replies: 0 Ultrafast 5 ms response time
Plus 7 ms (middle), 9 ms (low) and 14 ms (off) settings helps prevent blurring and ghosting for sharp fast-motion scenes and gaming sequences.
27" antiglare LED monitor
Can be placed close to a light source and remain viewable. The stand tilts from approximately -5 to 20 to help you achieve a comfortable viewing angle.
5,000,000:1 DFC contrast ratio (1000:1 original)
Offers a wide range of shades between black and white to produce a vibrant picture.
200 cd/m brightness
Promotes a high level of visibility.
1920 x 1080 resolution
With a 16:9 aspect ratio and 60Hz refresh rate delivers crystal-clear high-definition images.
178 viewing angles
Provide a clear view from multiple vantage points.
HDMI and VGA (D-sub) inputs
Allow flexible connectivity.
Headphone output
Lets you connect a pair of headphones (not included) for private listening.
PC compatible
So you can connect your compatible Windows 8 computer.

www.bestbuy.com/site/lg-27-ips-led-hd-monitor-black/7814005.p?id...
Monitors Deals

Best Buy Coupons
g: 0 Posted By: elbot82651
Views: 237 Replies: 0 This looks similar to the deal they had a few weeks back. Now it included unlimited 4G LTE instead of 1 GB for the 1st month

http://www.mynetontherun.com
Services Deals
g: 0 Posted By: wackyrabbit
Views: 43 Replies: 0 I have a second mortgage on my house that secures a business loan. I am in the process of refinancing and requested that the second loan be subordinated and kept the same on the new first mortgage.

My business banker has done shady stuff in the past and right now we are stuck with her until we can switch banks. He wont approve subordination unless we jump through some hoops most are normal but is letting him see the settlement statement on this new 1st mortgage normal procedure? I don't want him to leverage this information against us and hurt the refinance/hurt the busiess loan or try calling something in when he has no power to (it is an sba loan)..
Question Deals
25% off Marvel Vinyl Bobbleheads from $7.46 @ Marvel Shop
Added on : Friday September 19th 2014 12:00:03 PM
g: 0 Posted By: Virgil27
Views: 128 Replies: 0 25% off Marvel Vinyl Bobbleheads from $7.46 @ Marvel Shop

My desk needs a cutesy Deadpool. And maybe a Star-Lord. I just wish they had Rocket Raccoon. Shipping adds $4.95.


Toys Deals
Considerations for going from a 2 income to 1 income household
Added on : Friday September 19th 2014 09:00:13 AM
g: 0 Posted By: BostonOne
Views: 149 Replies: 10 Right now DW and I are both professionals who bring home about the same income. Combined puts us in the top 0.5%. We've considered becoming a one income family which would be doable, but obviously cut our income in about half. Like many FWFers, we live significantly below our means, so there wouldn't be a ton of lifestyle adjustment, it would mostly impact our savings/investment rate and retirement date. Wanted this thread to be a discussion of the considerations others have made when making this move. Most helpful would be an understanding of approximate HH income before & after and what financial & lifestyle decisions you had to make.

Considerations for us:
Retirement- Two incomes puts us easily on track for an early retirement with significant nest egg. One income probably delays this 5-10 years.
House - happy where we are. One income would likely prevent us from living in amazing home in an amazing neighborhood if we wanted to upgrade.
Cars - we buy used and drive our cars to the end of their useful life, so no change here.
Kids - n/a for us, but obviously you can eliminate/reduce child care expenses if one spouse isn't working.
Spending - Would probably cut back moderately on eating out/entertainment. Like to travel, so will likely only marginally trim the budget there.
Money management - Would likely switch from separate direct-deposit into separate accounts to direct deposit into joint account and distribution of 'spending money' to separate accounts.



Personal Finance Deals
Viator Credit Card Data Breach
Added on : Friday September 19th 2014 06:00:17 AM
g: 0 Posted By: burgerwars
Views: 94 Replies: 0 Viator is a website where you can book vacation tours.

September 19, 2014Dear Viator Customer

We want to make you aware that Viator has experienced a data compromise that could potentially affect payment card data used to make bookings through Viator's websites and mobile offerings. If you have created a Viator account, this compromise may also affect your email address, password and Viator "nickname." We deeply regret any inconvenience this may cause. The protection of our customers' personal information is of paramount concern. We are dedicating all the resources necessary to investigate and resolve this incident.

We have alerted the credit card companies and law enforcement, in addition to taking appropriate steps to secure our systems. We are writing to make you aware of the occurrence so that you can also monitor your accounts as a prudent measure, and take any other precautions you believe may be appropriate. We are offering our customers in the U.S. free identity protection services, including credit monitoring.

Meanwhile, we are continuously working to strengthen our security measures to help minimize the potential for incidents of this nature in the future. While our investigation is ongoing, here is some important information to be aware of.

What Happened:
On September 2, we were informed by our credit card service provider that unauthorized charges had been made on a number of our customers' credit cards. We have hired forensic experts, notified law enforcement and we have been working diligently and comprehensively to investigate the incident, identify how our systems may have been impacted, and secure our systems. Although our investigation is continuing, we currently believe that some forms of your data may be affected by the compromise. This information includes encrypted credit or debit card number, along with card expiration date, name, billing address, email address and, if you have created a Viator account, the associated email address, encrypted password and Viator "nickname." At this time, we have no reason to believe that the three or four digit value printed at the back or front of your card was compromised. Additionally, debit PIN numbers are not collected by Viator and could therefore not be compromised.

Steps You Can Take To Further Reduce Your Risk of Identity Theft/Fraud:
We recommend that all affected customers monitor their card activity and report any fraudulent charges to their credit card company. It is always a good practice to review your credit and debit card account statements regularly for suspicious activity. If you notice suspicious activity involving your account, please report it immediately to the appropriate financial institution or credit card company. You will not be responsible for fraudulent charges to your account if you report them in a timely manner.

To assist our customers in the U.S., we are offering free identity protection services, including credit monitoring. More information on that offer is below.

Additionally, we encourage you to reset your Viator password the next time you sign in to your Viator account, and change it on any other sites where you used the same password.

To change passwords on the Viator site, click on the "Change Password" on the "My Profile" tab, once signed in. Here are some tips to help you create a strong password: (1) make sure your password is at least six characters in length; (2) combine numbers and letters and dont include commonly used words; (3) include punctuation marks; and (4) mix capital and lowercase letters. It is also advisable to use a different password on different sites.

If you have questions related to this situation, you can contact us anytime through our dedicated toll-free information helpline at 888-680-0710 or at 702-939-9819. 1

Responding properly to this incident is our top priority, and we are committed to taking all appropriate steps to safeguard your personal information. For over 10 years, Viator's mission has been dedicated to offering travelers the best tours and activities worldwide, and to delivering a superior experience in all our customer interactions. That mission continues. We deeply regret any inconvenience or concern this may cause you and we thank you for your patience as we continue our investigation. We are focused on doing everything possible to maintain your trust so that we can continue to serve you in the future.

Sincerely,

Barrie Seidenberg
CEO, Viator creative_images_transparentspacer.gifcreative_images_transparentspacer.gifcreative_images_spacer.gifSteps You Can Take To Further Protect Your Information creative_images_transparentspacer.gifcreative_images_spacer.gifReview Your Account Statements
As a precautionary measure, we recommend that you review your account statements and credit reports closely. If you detect any suspicious activity on an account, you should promptly notify the financial institution or company with which the account is maintained. You also should promptly report any fraudulent activity or any suspected incidence of identity theft to proper law enforcement authorities, your state attorney general, or the Federal Trade Commission. In some states, you may also obtain a police report regarding this incident.

Free Credit Monitoring
To help protect your identity, we are offering a complimentary one-year membership of Experian's ProtectMyID Alert. This product helps detect possible misuse of your personal information and provides you with superior identity protection support focused on immediate identification and resolution of identity theft.

Activate ProtectMyID Now in Three Easy Steps
1. ENSURE That You Enroll By: December 31, 2014 (Your code will not work after this date.)
2. Visit the ProtectMyID Web Site to enroll: www.protectmyid.com/redeem
3. PROVIDE Your Activation Code:

If you have questions or need an alternative to enrolling online, please call 866-926-9801 and provide engagement #:

Additional details regarding your 12-month ProtectMyID Membership:

A credit card is not required for enrollment.

Once your ProtectMyID membership is activated, you will receive the following features:

Free copy of your Experian credit report
Surveillance Alerts for:
creative_images_spacer.gif o Daily Bureau Credit Monitoring: Alerts of key changes & suspicious activity found on your Experian, Equifax and TransUnion credit reports. creative_images_spacer.gif Identity Theft Resolution & ProtectMyID ExtendCARE: Toll-free access to US-based customer care and a dedicated Identity Theft Resolution agent who will walk you through the process of fraud resolution from start to finish for seamless service. They will investigate each incident; help with contacting credit grantors to dispute charges and close accounts including credit, debit and medical insurance cards; assist with freezing credit files; contact government agencies.
creative_images_spacer.gif o It is recognized that identity theft can happen months and even years after a data breach. To offer added protection, you will receive ExtendCARE, which provides you with the same high-level of Fraud Resolution support even after your ProtectMyID membership has expired. creative_images_spacer.gif
$1 Million Identity Theft Insurance2: Immediately covers certain costs including, lost wages, private investigator fees, and unauthorized electronic fund transfers.

Once your enrollment in ProtectMyID is complete, you should carefully review your credit report for inaccurate or suspicious items. If you have any questions about ProtectMyID, need help understanding something on your credit report or suspect that an item on your credit report may be fraudulent, please contact Experians customer care team at 866-926-9801.

Credit Report Monitoring
You may obtain a free copy of your credit report from each of the 3 major credit reporting agencies once every 12 months by visiting http://www.annualcreditreport.com, calling toll-free 877-322-8228, or by completing an Annual Credit Report Request Form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. You can print a copy of the request form at
http://www.consumer....equest-form.pdf.
Or you can elect to purchase a copy of your credit report by contacting one of the three national credit reporting agencies shown below.
creative_images_spacer.gifEquifax
(800) 685-1111
www.equifax.com
P.O. Box 740241
Atlanta, GA 30374
creative_images_spacer.gifcreative_images_spacer.gifExperian
(888) 397-3742
www.experian.com
535 Anton Blvd., Suite 100
Costa Mesa, CA 92626
creative_images_spacer.gifcreative_images_spacer.gifTransUnion
(800) 916-8800
www.transunion.com
P.O. Box 6790
Fullerton, CA 92834
creative_images_spacer.gif
Additional Free Resources on Identity Theft
You may wish to review the tips provided by the Federal Trade Commission on how to avoid identity theft. For more information, please visit http://www.ftc.gov/idtheft or call 1-877-ID-THEFT (877-438-4338). Maryland residents may also wish to review information provided by the Maryland Attorney General on how to avoid identity theft at http://www.oag.state.md.us/idtheft, or by sending an email to idtheft@oag.state.md.us, or calling 410-576-6491. North Carolina residents may wish to review information provided by the North Carolina Attorney General at http://www.ncdoj.gov, by calling 877-566-7226, or writing to 9001 Mail Service Center, Raleigh, North Carolina 27699.

Fraud Alert
You may consider placing a fraud alert on your credit report. This fraud alert statement informs creditors of possible fraudulent activity within your report and requests that the creditor contact you prior to establishing any accounts in your name. To place a fraud alert on your credit report, contact any of the three credit reporting agencies identified above. Additional information is available at http://www.annualcreditreport.com.

Security Freeze
In some U.S. states, you have the right to put a security freeze on your credit file. This will prevent new credit from being opened in your name without the use of a PIN number that is issued to you when you initiate the freeze. A security freeze is designed to prevent potential creditors from accessing your credit report without your consent. As a result, using a security freeze may interfere with or delay your ability to obtain credit. Additionally, if you request a security freeze from a consumer reporting agency there may be a fee up to $10 to place, lift, or remove the security freeze; however, this fee may be less in certain states (in MA, up to $5). In order to place a security freeze, you may be required to provide the consumer reporting agency with information that identifies you including your full name, Social Security number, date of birth, current and previous addresses, a copy of your state-issued identification card, and a recent utility bill, bank statement or insurance statement. You must separately place a security freeze on your credit file with each credit reporting agency.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 125 Replies: 0 The American Silver Eagle is the official silver bullion coin of the United States. It was first released in 1986 and has been produced every year since. The obverse design was taken from the Walking Liberty design by Adolph A. Weinman, which originally had been used on the Walking Liberty Half Dollar coin of the United States from 1916 to 1947. This iconic design had been a public favoriteand one of the most beloved designs of any United States coinage of modern times, silver or otherwiseit was revived for the Silver Eagle decades later. The reverse was designed by John Mercanti and portrays a heraldic eagle behind a shield; the eagle grasps an olive branch in its right talon and arrows in its left talon, echoing the Great Seal of the United States; above the eagle are thirteen five-pointed stars representing the Thirteen Colonies. The reverse is inscribed with the phrases UNITED STATES OF AMERICA, 1 OZ. FINE SILVER~ONE DOLLAR, and E PLURIBUS UNUM (on the banner that the eagle holds in its beak), as well as the mintmark if applicable.

www.ebay.com/itm/Lot-of-10-2014-1-Troy-Oz-999-Fine-Silver-Americ...
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eBay Coupons
Ball Canning Jars - 12 x 1pint $5.15 Target
Added on : Thursday September 18th 2014 04:00:03 PM
g: 2 Posted By: tomatthe
Views: 244 Replies: 0 Target has 12 packs of pint sized canning jars on clearance for $5.15 listed online,http://www.target.com/p/ball-1-pint-16-oz-regular-mouth-canning-...

In store they are regular priced, but the cashier brought the price down to $5.15 when I showed her a printout of the online price. No hassle or anything she just adjusted them for me. I bought all they had as the store I was in, but every store I see locally has them listed in stock.
Home & Garden Deals

Target Coupons
Lenovo 23-inch touchscreen 1080p monitor for $149.99 @ Lenovo
Added on : Thursday September 18th 2014 03:00:02 PM
g: 0 Posted By: mixa
Views: 231 Replies: 2 At lenovo.com

Coupon:USP9181020(didn't take right away - had to lower qty down to 1 and back to 2)

Model: LI2341t
Amazon Reviews
OP:cnet

Monitors Deals

Amazon Coupons
g: 0 Posted By: jskins
Views: 297 Replies: 0 Mineral Deluxe Natural Beauty Kit- $20.00 with free shipping on $40+ or $8.00 shipping at E.L.F. (Ends Tonight)

Set Includes:

Mineral Blemish Kit
Mineral Glow in Bronzed
Mineral Revitalizing Mist
Mineral Booster in Sheer (Large)
Studio Kabuki Brush
Mineral Lipstick in Nicely Nude
Mineral Eyeshadow Primer in Sheer
Mineral Eye Brightener
Mineral Eye Liner in Black


Note: Limited quantities available - any out of stock items may be substituted
Beauty Deals

e.l.f. Cosmetics Coupons
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?

Rawlings NCAA Straight Leg 10' x 10' Canopy $74.99 @ Woot
Added on : Wednesday September 17th 2014 11:00:04 PM
g: 0 Posted By: ctgolfer
Views: 168 Replies: 0 shipping adds $5


10-foot x 10-foot canopy
Offers 100 square feet of shade
Team logo on front and back of canopy and on both side eaves
Silver coated 150D material with UPF 50+ Protection
One-piece steel frame
Straight legs
Includes wheel carrying case
Officially Licensed



www.woot.com/offers/rawlings-ncaa-10-x-10-canopies
Garden Deals

woot! Coupons
Too Faced Everything Nice Set - $56.00 w/ FS @ Sephora
Added on : Wednesday September 17th 2014 04:00:05 PM
g: 0 Posted By: hellokitty27
Views: 303 Replies: 0 Sephora has the Too Faced Everything Nice Setfor $56.00 w/ free shipping. All products are cruelty-free.

20 Eye Shadows
2 Bronzers in Chocolate Soleil and Inner Light
2 Blushes in Papa Dont Peach and Sweet Pink
3 Mini Gold Glitter Cruelty-Free Teddy Bear Makeup Brushes
Better Than Sex Mascara
Pink Glitter Zip Bag
Step-by-Step, How-To Glamour Guide

Beauty Deals

Sephora Coupons
Chase Freedom - No more 10%+10 12/31/15
Added on : Wednesday September 17th 2014 02:00:07 PM
g: 0 Posted By: tjguitar85
Views: 41 Replies: 0 Received something from Chase that effective 12/31/2015 the 10+10 program is going away. I understand that others had this happen already. It's a bit perplexing that the would notify 15 months ahead of time

They are directing folks to chase.com/freedom25 to read the new program rules.

Got a similar notice about reward changes for Chase ink at chase.com/ink10
Discussion Deals
g: 0 Posted By: st4rdust
Views: 381 Replies: 0 HSN has theToo Faced Everlasting Chocolate Set w/ Shadow and Primeron sale for $49.00 - new customer coupon code "20NEWSUMMER" =$29.00. Shipping is free.

If you're not a new customer, you can use coupon code ""14205" to take $5.00 off a purchase of $25.00 or more, making your total $44.00 with free shipping.

4.7/5 stars based on 922 customer reviewsat Sephora.

Antioxidant-rich, cocoa powder-infused, high-pigment formulas
Delicious cocoa scent
Gilded Ganache - dark espresso with gold sparkle
White Chocolate - creamy beige matte
Milk Chocolate - muted brown matte
Black Forest Truffle - plum chocolate with golden sparkle
Triple Fudge - deep gray brown
Salted Caramel - soft fawn matte
Marzipan - rose gold pearl
Semi-Sweet - medium brown matte
Strawberry Bon Bon - soft pale pink matte
Candied Violet - deep orchid with pink sparkle
Amaretto - deep pinky bronze
Hazelnut - metallic hot chocolate
Creme Brulee - antique gold pearl
Haute Chocolate - medium bronze brown
Cherry Cordial - deep plum brown with purple sparkle
Champagne Truffle - ballet slipper pink pearl


Shadow Insurance:

Helps lock down eye shadow pigments for amazingly long,water-resistantwear
Anti-creasing formulahelps eye products apply smoothly
Skin-smoothing formulahelps even out the look of the skin tone on lids
Helps smooth the appearance of lines
Use with powder or cream eye shadows
Concentrated formula meansan amount the size of a rain drop covers the entire lid




Makeup Deals

HSN Coupons
g: 0 Posted By: st4rdust
Views: 166 Replies: 0 HSN has theToo Faced Everlasting Chocolate Set w/ Shadow and Primeron sale for $49.00 - new customer coupon code "20NEWSUMMER" =$29.00. Shipping is free.

If you're not a new customer, you can use coupon code ""14205" to take $5.00 off a purchase of $25.00 or more, making your total $44.00 with free shipping.

4.7/5 stars based on 922 customer reviewsat Sephora.

Antioxidant-rich, cocoa powder-infused, high-pigment formulas
Delicious cocoa scent
Gilded Ganache - dark espresso with gold sparkle
White Chocolate - creamy beige matte
Milk Chocolate - muted brown matte
Black Forest Truffle - plum chocolate with golden sparkle
Triple Fudge - deep gray brown
Salted Caramel - soft fawn matte
Marzipan - rose gold pearl
Semi-Sweet - medium brown matte
Strawberry Bon Bon - soft pale pink matte
Candied Violet - deep orchid with pink sparkle
Amaretto - deep pinky bronze
Hazelnut - metallic hot chocolate
Creme Brulee - antique gold pearl
Haute Chocolate - medium bronze brown
Cherry Cordial - deep plum brown with purple sparkle
Champagne Truffle - ballet slipper pink pearl


Shadow Insurance:

Helps lock down eye shadow pigments for amazingly long,water-resistantwear
Anti-creasing formulahelps eye products apply smoothly
Skin-smoothing formulahelps even out the look of the skin tone on lids
Helps smooth the appearance of lines
Use with powder or cream eye shadows
Concentrated formula meansan amount the size of a rain drop covers the entire lid




Makeup Deals

HSN Coupons
g: 0 Posted By: aerotive
Views: 151 Replies: 0 They had this price at the store in Fayetteville, AR but OOS. Had one at the store in Rogers, AR. Not marked as clearance at either store.

Link for reference:

http://www.bestbuy.com/site/wd-mainstream-3tb-internal-serial-at...



Meade 12mm MA cordless illuminated reticle eyepiece $45.93 FS @ Amazon
Added on : Tuesday September 16th 2014 12:00:06 PM
g: 0 Posted By: Ecuadorgr
Views: 181 Replies: 0 Ok, this might not interest too many people, since you have to own a telescope to use it. But something like this is very useful for centering stars during the alignment of a goto telescope mount (or if you do manual guiding etc).

Anyway, no point explaining, you would know if you needed one and this very basic Meade MA model is one of the cheapest illuminated reticle eyepieces you can buy at its usual price of $60-$69. Now that it dropped drastically to $45 (for the first time ever according to camelcamelcamel), it is a great buy. Prime eligible.

12mm Modified Achromatic, double cross-hair, diopter adjustment, adjustable red LED cordless illuminator.

Linky to Amazon.com

Edit: It went quickly out of stock (it had 2 left when I ordered), but you can still order it at the same price (as long as you don't go through 3rd party sellers who start at $60) and it will be sent when it is in stock (current estimate is 1-2 months, but they often exaggerate). Yeah, Prime is a bit useless on it now
Toys & Hobby Deals

Amazon Coupons
Alliant CU - $150 cash bonus for New Checking Account Holders
Added on : Tuesday September 16th 2014 06:00:14 AM
g: 0 Posted By: pbabb2
Views: 17 Replies: 0 $150 cash bonus for opening Alliant checking accountRecieved this via email yesterday. Seems like a fairly easy $150 (a few requirements outlined below) and I've had good experiences with Alliant in the past (have a credit card with them).

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

Here's how to get $150...

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

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

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

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

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

Offer ends October 31, 2014.

Use promo code CHEK002.

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

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

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

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

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

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

6 You must meet certain criteria for mobile check deposit. Limitations apply. Mobile check deposit requires a camera-enabled device. Data and text charges may apply. Check with your mobile provider.
Deposits Deals
Interchangeable Picnic Table/ Garden Bench $111.73 AR, FS @ Rakuten
Added on : Tuesday September 16th 2014 05:00:02 AM
g: 0 Posted By: nomonies
Views: 151 Replies: 0 Pretty cool convertible bench / picnic table. $150.99. Link through fatwallet for 6% CB (-$9.06), add promo code FALLREWARD for 20% back in Rakuten points ($30.20). After rebates this equates to $111.73. Free shipping included.
Link to product
This unique design interchanges easily to be useful as a picnic table or a garden bench. This furniture piece includes an umbrella hole to fit a standard umbrella for added shade. Assembly required
Features
Color: Natural Dimensions: 30 inches high x 57 inches wide x 54 inches deep Finish: Natural oil based stain Materials: Fir and hardwood mix Picnic table dimensions: 30 inches high x 54 inches long x 5 UV protection Weather resistant Weight: 49 pounds

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Rakuten.com Shopping Coupons
Pentax K-3 Silver Edition DSLR Camera Body $999.99 @ Woot
Added on : Monday September 15th 2014 10:00:09 PM
g: 0 Posted By: ctgolfer
Views: 198 Replies: 0 shipping adds $5

Imaging: Lens Mount: Pentax K Camera Format: APS-C / (1.5x Crop Factor) Pixels: Actual: 24.71 Megapixel
Effective: 24.35 Megapixel Max Resolution: 24MP: 6016 x 4000 Aspect Ratio: 3:2, 16:9 Sensor Type / Size: CMOS, 23.5 x 15.6 mm File Formats: Still Images:DNG, JPEG, RAW
Movies:AVI, MOV, MPEG-4 AVC/H.264 Bit Depth: 14-bit Dust Reduction System: Yes Memory Card Type: SD/SDHC/SDXC (UP to 64GB) (not included) Image Stabilization: Sensor-Shift
Focus Control: Focus Type: Auto & Manual Focus Mode: Single-servo AF (S), Continuous-servo AF (C), Manual Focus (M), Focus Lock AF Area Mode Autofocus Points: Phase Detection: 27
Viewfinder/Display: Viewfinder Type: Pentaprism Viewfinder Coverage: 100% Viewfinder Magnification: Approx. 0.95x Diopter Adjustment: - 2.5 to +1.5 m Display Screen: 3.2"Rear ScreenLCD (1,037,000) Screen Coverage: 100%
Exposure Control: ISO Sensitivity: Auto, 100-51200 Shutter: Type: Electronic & Mechanical
Speed: 30 - 1/8000sec, Bulb Mode Remote Control: Remote Control F or Remote Control WP (Optional) Mirror Lock-Up: Yes Metering Method: Center-weighted average metering, Multi-zone metering, Spot metering Exposure Modes: Modes: Aperture Priority, Bulb, Green, Hyper Program, Metered Manual, Sensitivity Priority, Shutter Priority, Shutter/Aperture Priority, User, X-Speed
Metering Range: EV -3.0 - EV 20.0
Compensation: -5 EV to +5 EV (in 1/3 or 1/2 EV steps) White Balance Modes: Auto, CTE, Cloudy, Color Temperature, Daylight, Flash, Fluorescent (Cool White), Fluorescent (Day White), Fluorescent (Daylight), Fluorescent (Warm White), Manual, Multi Auto WB, Shade, Tungsten
Flash: Flash Modes: Auto
Flash On
Hi-Speed Sync
Manual
Red-eye Reduction
Second-curtain Sync
Slow Sync
Slow Sync/Red-eye Reduction
Wireless Built-in Flash: Yes Guide No.: 42.65'(13 m)ISO100 Max Sync Speed: 1 / 180 sec Dedicated Flash System: P-TTL External Flash Connection: Hot Shoe, PC Terminal, Wireless
AV Recording: Video Recording: Yes, NTSC/PAL File Size: 1920 x 1080i(Full HD)
1920 x 1080p(Full HD)
1280 x 720p(HD) Aspect Ratio: 16:9 Frame Rate: @ 1920 x 1080: 60 fps, 50 fps, 30 fps, 25 fps, 24 fps
@ 1280 x 720: 60 fps, 50 fps, 30 fps, 25 fps, 24 fps Focus: Auto
Manual
Continuous Auto Video Clip Length: 1920 x 1080
25 min. Audio Recording: Built-in Mic: With Video, Stereo
Optional External Mic: With Video
Performance: Continuous Shooting: Up to 8.3 fps Self Timer: 12 sec, 2 sec Interval Recording: Yes Connectivity: 1x USB 3.0
1x AV Output
1x HDMI C (Mini)(out)
1x DC Input
1x 1/8" Microphone
1x 1/8" Headphone
1x X-Sync Socket Wi-Fi Capable: Yes(with Transmitter -not included) Software System Requirements: Windows: XP (SP3), Vista, 7, 8
Mac: OS X 10.6 or later
Power: Battery: 1x D-LI90 Rechargeable Lithium-Ion Battery Pack, 7.2VDC, 1860mAh AC Power Adapter: K-AC132 (not included) Operating/Storage Temperature Operating
14 to 104F (-10 to 40C)
Physical: Dimensions: 5.2"(W) x 3.9"(H) x 3.1"(D) Weight: 1.8 lbswith battery and memory card
In the box:

Pentax K-3 Premium Silver Edition DSLR Camera Body
Premium Silver Edition Silver D-BG5 Battery Grip
Premium Silver Edition Camera Strap
D-LI90 Rechargeable Lithium-Ion Battery Pack (7.4V, 1700mAh)
K-BC90 Battery Charger Kit for K7 Digital SLR Camera
Hotshoe Cover FK
Eyecup FS for K-3 Digital SLR Camera
SLR Body Mount Cover
Finder Cap ME
MF-60 AF Standard Focusing Screen
PC Socket Cap
Software CD-ROM


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g: 0 Posted By: ctgolfer
Views: 195 Replies: 0 Back on sale again


50'' Rear Lit HD LED LCD TV
RCA 50" LED Rear Lit HDTV provides stunning features with multi-purpose enjoyment, Game, PC monitor and HDTV. Watch your favorite DTV channels and analog TV with built-in ATSC tuner whether over-the-air broadcasts or cable/satellite service.
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no load / no fee mutual funds, where to find them ?
Added on : Monday September 15th 2014 03:00:08 PM
g: 0 Posted By: kinwin
Views: 46 Replies: 3 A few years ago I had an account with ING direct, and they offered no load, no fee, index funds.
Recently this company has been sold to capital one, and I just noticed they now charge $19.95 for each trade of mutual funds. I have not been able to find any mutual funds which is both no load AND no fees anymore.
Does any fatwallet'er out there know of any company offering truly no cost, mutual funds?
Need help with current housing situation
Added on : Monday September 15th 2014 08:00:14 AM
g: 0 Posted By: averageJoeonFW
Views: 121 Replies: 0 Hello all,First of all, I want to thank everyone here for making FW (especially the Finance forum) such a great place for me to check every other hour or so.I have somewhat of a complicated housing issues that I need your advice on, Ill try to keep it as short as possible, but please let me know if you need more details in any parts.

I currently have 2 houses with mortgage on (both under my name:

House 1: bought in early 2011, FHA loan, 3.75% interest rate, 3.5% down, currently has $135K left. Current market value of around $210K-
House 2: bought late 2012, Conventional loan, 3.85% interest rate, 5% down, currently has about $175K, second mortgage (home equity) of $26K, current market value of around $255K

My wife and live in house 2, my parents + brothers family + sister lives in house 1.I pay the mortgage for house 2, brother pays mortgage for house 1. The family moved down to my area from a high cost living area to open up their own business, so I helped them with a place to stay. On this house 1, I put about $5K for down (money from my mom). Our plan was to take advantage of the housing market back then, the price was so good, plus the interest rate was low, thats why I bought the house under my name as my brother still had his house back then so he couldnt afford the second house.Now, his house was sold 2 years ago, business is up and running for about 2.5 years, but his credit is now under 600 because of all the current credit cards with balance (he did have 2 late payments also last year). His credit was 800+ range back in 2011.

We are trying to do whats the best way to have the house transfer over to my brothers name?

I know FHA allows other people to assume the loan, providing that the income/credit allow him (already check with Wellsfargo, the mortgage provider), however, with his current credit and about $30K credit card debt, I am sure he wont get approved. His income is about $2,500/month pretax. Business income is about $100-$120K per year (restaurant business in the past 2 years).My wild thought would be taking another equity loan against house 1, pay off his credit card to free up his credit again, then by the time its going back up to an acceptable level by the bank (as well as his income), then have it transferred over to his name. The reason I bring this up is because were planning on to move, so well be ending up selling our house (house 2) and hope to get my name off house 1 as well so I dont want to do anything else related to my credit unless I have to.

Another additional note: my mom and dad work at the same business, they do receive a small income also so for the purpose of income qualification, if needed, we can include them as well ($1100/month each, basic credit, 1-2 credit cards with about 2 years history).
Personal Finance Deals
Yodlee Labs and New Yodlee MoneyCenter
Added on : Monday September 15th 2014 07:00:15 AM
g: 0 Posted By: SinbadS
Views: 4 Replies: 0 I had a Yodlee Labs account. Currently it seems when I try to log in it says, Technical Difficulties. This feature is currently unavailable; please try again later. I wonder if other members experience the same. Also, if I register with New Yodlee MoneyCenter, is there any way to move all my info from Yodlee Labs over to the new site?
Thank you
Added on : Monday September 15th 2014 07:00:15 AM
g: -6 Posted By: melindalynchorama
Views: 449 Replies: 17 Thank you for the messages. I had no idea how many rude people there were out there.
Discussion Deals
Injured Cat and No $ to help it!
Added on : Monday September 15th 2014 06:00:16 AM
g: -3 Posted By: melindalynchorama
Views: 241 Replies: 13 I need advice on how to help my 2 year old tiger cat, Milo! He is the sweetest cat and had recently started escaping outside when my kids get home from school. He didn't come home last night and when I woke up this morning, he was crying by the door. I went to let him in but he couldn't get up the step into the house! I carried him while he cried and cried and he seems to have a broken rib or dislocated hip. No bleeding but some swelling is visible. I'm not capable of spending $160 for the vet visit and the xrays and I'm wondering if there is a free or low cost option that I could use to get him the treatment that he needs. It's not his fault that I don't have any money.

Can anyone help?

Thank you!

Pittsburgh Pa area
Discussion Deals
boscovs.com FREE Clinique gift with any $27 or more Clinique purchase.
Added on : Sunday September 14th 2014 06:00:03 PM
g: 0 Posted By: DaysFan
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g: 0 Posted By: hellokitty27
Views: 233 Replies: 0 Sephora has the Buxom Passport Collection: The Day Tripper Edition Makeup Kitfor $29.00 w/ $5.95 shipping or free shipping on orders $50+.

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Mini Lip Cream in Cherry Flip
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g: 0 Posted By: shadowstriker
Views: 225 Replies: 0 PC Games atGoG Games 140 Games up to 80% Off
Ends Monday, September 15th at 9:59 am GMT

Link to All Games here!

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LG - 27" IPS LED HD Monitor - Black $199.99 w/FS @ Best Buy
Added on : Saturday September 13th 2014 08:00:05 PM
g: 1 Posted By: ctgolfer
Views: 207 Replies: 0 Ultrafast 5 ms response time
Plus 7 ms (middle), 9 ms (low) and 14 ms (off) settings helps prevent blurring and ghosting for sharp fast-motion scenes and gaming sequences.
27" antiglare LED monitor
Can be placed close to a light source and remain viewable. The stand tilts from approximately -5 to 20 to help you achieve a comfortable viewing angle.
5,000,000:1 DFC contrast ratio (1000:1 original)
Offers a wide range of shades between black and white to produce a vibrant picture.
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Mally Beauty City Chick Smokey Eye Palette (Assorted Colors) - $24.00 @ Ulta
Added on : Saturday September 13th 2014 02:00:07 PM
g: 0 Posted By: hellokitty27
Views: 283 Replies: 0 Ulta has the Mally Beauty City Chick Smokey Eye Palettefor $24.00. Shipping is $5.95 or free on orders $50+. Includes 4 eyeshadows and an eyeliner pencil.

Available color themes:

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Brownstone
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Health & Beauty Deals

ULTA Coupons
g: 0 Posted By: shadowstriker
Views: 243 Replies: 1 PC Games from {GoG.com}

Banished $9.99 (50% Off)
Banner Saga, The $9.99 (50% Off)
Bloodnet $1.99 (67% Off)
Harvester $1.99 (67% Off)
Heretic Kingdoms: The Inquisition $1.99 (67% Off)
Hitman 3: Contracts $2.99 (70% Off)
Jazzpunk $4.99 (67% Off)
Kentucky Route Zero Season Pass $12.49 (50% Off)
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Lone Survivor: The Director's Cut $3.74 (75% Off)
Octodad: Dadliest Catch $4.99 (67% Off)
Outlast $4.99 (75% Off)
Race the Sun $2.99 (70% Off)
Risen $3.99 (60% Off)
Rune Classic $2.99 (70% Off)
Shadow Man $1.99 (67% Off)
Shadow Warrior (2013) $11.99 (70% Off)
SimCity 4 Deluxe Edition $7.99 (60% Off)
Sir, You Are Being Hunted $4.99 (75% Off)
S.T.A.L.K.E.R.: Shadow of Chernobyl $5.99 (70% Off)
Sword of the Samurai $1.99 (67% Off)
Theme Park $2.39 (60% Off)
Tower of Guns $4.99 (67% Off)
Wasteland 1: The Original Classic $1.99 (67% Off)

If your "New" on GOG,the following are FREE promo games and movies that you can add to your library and use without restriction to familiarize yourself with the website before purchasing anything so 0.00 cost. There is "NO" Payment information required to add them to your account

Free Games:
Beneath a Steel Sky FREE
Dragonsphere FREE
Flight of the Amazon Queen FREE
Lure of the Temptress FREE
Stargunner FREE
Teenagent FREE
Treasure Adventure Game FREE
Tyrian 2000 FREE
Ultima 4: Quest of the Avatar FREE
Ultima Worlds of Adventure 2: Martian Dreams FREE
Warsow FREE
Worlds of Ultima: The Savage Empire FREE

Free Movies:
TPB AFK: The Pirate Bay Away from the Keyboard FREE
The Art of Playing FREE

What does [DRM] Free mean for you?

It means that when you purchase a game, you may download the installer files as many times as you want, you may create backup discs, and you may install them as many times as you want without any restrictions, or any internet connectivity required.

All of your games remain in your GOG library for convenient re-downloading, and they will always be part of your library even if the games are later removed from the GOG catalog.
Video Games Deals
Got rear ended, no citation issued
Added on : Saturday September 13th 2014 07:00:18 AM
g: 1 Posted By: DoctorDeals
Views: 842 Replies: 11 UPDATE: Other driver admitted fault to her insurance, so that potential problem is out of the way. Next up, whether it will be totaled.

I got hit hard from behind today on the way in to work. My bumper is cracked and there is a fairly sizeable dent so unfortunately, FWFers, it won't buff right out. Based on advice in thread after thread here, I thought it best to call the police right after the accident.

Even though the officer admitted it was 100% the other driver's fault, because the amount of damage was "low," he wasn't going to issue a citation, even though one was justifiable. This is the first way I think following other FWF advice (driving a reliable but 15 year vehicle with some other body damage, though none to the bumper) could hurt me.

The other strike against me for driving something old is that at best they will now just total the car for a couple hundred bucks which is not worth it to me at all (I'm guessing I don't get to keep the car in that situation). At worst, I'm concerned the lack of citation means the insurance companies view this as equally at fault, and I'm sunk as I don't have collision on the vehicle.

On top of all of this, I'm thinking the lack of citation means my rates are going to go up, as I was in an accident and no citation was issued; therefore, (in their eyes) I was equally at fault. This would likely eliminate all of the preferred driver discounts I have been enjoying for years.

Am I being too paranoid? Any tips on how I should play this? Any outside the box thoughts for how to handle this moving forward (as dangerous as that question could be around these parts )?

Thankfully (and certainly most importantly), no one was in need of immediate medical attention. So that was good.

Maybe this experience will finally help me convince the wife we needtwo dash cams for each vehicle.I'm sure if I had caught some texting, things would have played out differently.
Personal Finance Deals
Business partnership ending and I got bad vibes, how to handle?
Added on : Friday September 12th 2014 03:00:08 PM
g: 0 Posted By: MightySlacker
Views: 70 Replies: 0 This is in the state of Ohio for reference. Some parts need to be left vague, but hopefully I can get in all pertinents.

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

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

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

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

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


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

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

This is from the 1st posting...

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

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

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



Discussion Deals
g: 0 Posted By: ctgolfer
Views: 89 Replies: 0 Style Crystal Manufacturer Color/Finish Antique bronze Number of Tiers 1 Shade/Glass Type Crystal Width (Inches) 13 Length (Inches) 13 Height (Inches) 21.25 Material Mixed material ENERGY STAR Qualified No Color/Finish Family Bronze Maximum Bulb Wattage 60 Dimmable Yes
Bulb Type Candelabra Lighting Technology Standard Hanging Device Max. Length (Inches) 60 Type of Hanging Device Chain Weight (lbs.) 11.44 Collection Name N/A Mounting Hardware Included Yes UL Safety Listing Yes CSA Safety Listing No ETL Safety Listing No Hardwired or Plug-In Hardwired Number of Chandelier Bulbs 3
www.lowes.com/pd_401897-2121-2836-CH-3_0__?
g: 0 Posted By: shadowstriker
Views: 165 Replies: 0 PC Games from GoG.com

Divinity: Dragon Commander Imperial Edition$14.99
Divinity: Dragon Commander$13.59
DLC: Divinity: Dragon Commander Imperial Edition Upgrade$3.39
Leisure Suit Larry$2.99
FTL: Advanced Edition$2.99
Rayman Origins$4.99
System Shock 2$1.99
Don't Starve$4.99
DLC: Don't Starve: Reign of Giants$3.32
Bard's Tale, The$2.49
Avernum: The Complete Saga$2.99
Children of the Nile Complete$2.99
Wizardry 8$2.99
Hotline Miami$1.99
Rise of the Triad (2013)$2.99
Startopia$1.49
Blade of Darkness$1.79
Hammerwatch$2.39
Pathologic$2.49
Carmageddon Max Pack$1.99
Brutal Legend$3.74
Reus$2.49
Anvil of Dawn$1.99
Lords of Midnight, The$1.99
Thunderscape$1.99
Urban Chaos$1.49


There is a Time limit on the Game Deals... Only 16 hours, 20 minutes left


Video Games 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
g: 0 Posted By: DoctorDeals
Views: 149 Replies: 2 I got hit hard from behind today on the way in to work. My bumper is cracked and there is a fairly sizeable dent so unfortunately, FWFers, it won't buff right out. Based on advice in thread after thread here, I thought it best to call the police right after the accident.

Even though the officer admitted it was 100% the other driver's fault, because the amount of damage was "low," he wasn't going to issue a citation, even though one was justifiable. This is the first way I think following other FWF advice (driving a reliable but 15 year vehicle with some other body damage, though none to the bumper) could hurt me.

The other strike against me for driving something old is that at best they will now just total the car for a couple hundred bucks which is not worth it to me at all (I'm guessing I don't get to keep the car in that situation). At worst, I'm concerned the lack of citation means the insurance companies view this as equally at fault, and I'm sunk as I don't have collision on the vehicle.

On top of all of this, I'm thinking the lack of citation means my rates are going to go up, as I was in an accident and no citation was issued; therefore, (in their eyes) I was equally at fault. This would likely eliminate all of the preferred driver discounts I have been enjoying for years.

Am I being too paranoid? Any tips on how I should play this? Any outside the box thoughts for how to handle this moving forward (as dangerous as that question could be around these parts )?

Thankfully (and certainly most importantly), no one was in need of immediate medical attention. So that was good.

Maybe this experience will finally help me convince the wife we needtwo dash cams for each vehicle. I'm sure if I had caught some texting, things would have played out differently.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 214 Replies: 0 use code: SAVE4YOU to get $10 off $50 or $25 off $100 on-line

get $10 off $25 or $20 off $50 with coupon
https://e.jcpenney.com/pub/sf/ResponseForm?_ri_=X0Gzc2X%3DWQpglLjHJlYQGubbCJEzaSHNNpkYb9bzc6iYK36zbzaqVXMtX%3DWQpglLjHJlYQGzbhFuR6N5zeRfzasBC4azb4Po8FpIc4&_ei_=EsmmoBKIHCIVjkPY1T7yois

Applies to select original, regular, sale and clearance-priced of the following items:
Apparel
Shoes
Accessories
Fine Jewelry
Home

Coupon also provides an extra 10% off watches, furnitures, mattresses, and custom blinds & shades with online code: GO4TEN

Exclusions
Does not apply to Doorbusters, Big Buys, Best Value, Levi's, Disney Shop, Assets Red Hot Label by Spanx, Licensed Team Sports Merchandise, Nike, 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, Fitness Equipment & Accessories, Art.com, Baby Gear, Personalized Jewelry, Services, Service Plans, Gift Cards, Furniture Outlet Purchases, Closing Store Purchases, current orders and prior purchases, or in combination with other coupon(s). JCPenney

For JCP.COM Orders
$ off and extra 10% off offers cannot be applied on the same order. For $ off, enter the online code SAVE4YOU when prompted at checkout. For extra 10% off, enter the online code GO4TEN when prompted at checkout. Enter appropriate code when prompted at checkout or call 1.800.322.1189 and mention the code.

www.jcpenney.com
Baby & Kids Deals

JCPenney Coupons
Pentax Q7 12.4MP Camera w/ 5-15mm Lens $279.99 + SH @ Woot
Added on : Thursday September 11th 2014 08:00:07 PM
g: 0 Posted By: ctgolfer
Views: 148 Replies: 0 shipping adds $5

Imaging: Lens Mount: Pentax Q Camera Format: Pentax Q (4.6x Crop Factor) Pixels: Actual: 12.76 Megapixel
Effective: 12.4 Megapixel Max Resolution: 12MP: 4000 x 3000 Sensor Type / Size: CMOS, 7.6 x 5.7 mm File Formats: Still Images:JPEG, RAW
Movies:MOV, MPEG-4 AVC/H.264 Bit Depth: 12-bit Dust Reduction System: Yes Memory Card Type: SD/SDHCSDXC (Up to 64GB) (not included) Image Stabilization: Sensor-Shift
AV Recording: Video Recording: Yes, NTSC/PAL Resolution: 1920 x 1080: 30 fps, 25 fps, 24 fps
1280 x 720: 30 fps, 25 fps, 24 fps
640 x 480: 30 fps, 25 fps, 24 fps Aspect Ratio: 4:3, 16:9 Video Clip Length: Up to 25Minutes Audio Recording: With Video, Mono
Focus Control: Focus Type: Auto & Manual Focus Mode: Single-servo AF (S), Manual Focus (M) Autofocus Points: Contrast Detection: 25
Viewfinder/Display: Viewfinder Type: None Display Screen: 3"Rear ScreenLCD (460,000) Screen Coverage: 100%
Exposure Control: ISO Sensitivity: Auto, 100-12800 Shutter: Type: Electronic & Mechanical
Speed: 30 - 1/8000sec Remote Control: O-RC1 (not included) Metering Method: Center-weighted average metering, Partial Metering, Spot metering Exposure Modes: Modes: Aperture Priority, Auto, Bulb, Manual, Programmed Auto, Shutter Priority
Metering Range: EV 1.0 - EV 17.0
Compensation: -2 EV to +2 EV White Balance Modes: Auto, CTE, Cloudy, Daylight, Flash, Fluorescent, Fluorescent (Day White), Fluorescent (Natural White), Fluorescent (White), Manual, Shade, Tungsten Burst Rate: Up to 5 fps at 12 MP for up to 5 frames
Flash: Flash Modes: Rear Curtain/Slow Sync
Red-eye Reduction
Slow Sync
TTL Auto Built-in Flash: Yes Guide No: 16.08'(4.9 m)ISO100
22.97'(7 m)ISO200 Max Sync Speed: Electronic Shutter: 1 / 13 sec
Mechanical Shutter: 1 / 2000 sec Flash Compensation: -2 EV to +1 EV Dedicated Flash System: P-TTL External Flash Connection: Hot Shoe
Performance: Continuous Shooting: Up to 5 fps Self Timer: 2 sec, 12 sec Interval Recording: Yes Connectivity: AV Output
HDMI D (Micro)
USB 2.0 Software System Requirements: Windows: XP (SP3), Vista (SP1), 7, 8
Mac: OS X 10.5 or later
Power: Battery: 1x D-LI68 Rechargeable Lithium-Ion Battery Pack, 3.7VDC, 1000mAh AC Power Adapter: K-AC115 (Optional)
Physical: Dimensions: 4.0"(W) x 2.3"(H) x 1.3"(D) Weight: 7.05 ozwith battery and memory card
Kit Lens: Focal Length: 5 - 15 mm
Comparable 35mm Focal Length: 23 - 69 mm Aperture: Maximum: f/2.8 - 4.5
Minimum: f/8 Angle of View: 76 - 29 Minimum Focus Distance: 11.8"(29.97 cm) Magnification: 0.06x Elements/Groups: 8/7 Diaphragm Blades: 5 Autofocus: Yes Image Stabilization: No Filter Thread: Front:40.5 mm Dimensions: Approx. 1.9"(D) x 1.9"(L) Weight: 3.39 oz
In the box:

Pentax Q7 Compact Mirrorless 12.4MP Digital Camera
5-15mm f/2.8-4.5 Zoom Lens for Q Mount Cameras
I-USB7 USB Interface Cable
D-LI68 Rechargeable Lithium-Ion Battery
Battery Charger D-BC68P
Q-Series Body Mount Cover
Strap O-ST131
Hot Shoe Cover FK
AC Plug Cord D-CO2U
S-SW131 Software CD-ROM
SILKYPIX Developer Studio 3.0 LE for PENTAX



http://electronics.woot.com/offers/pentax-q7-12-4mp-camera-w-5-1...
Cameras Deals

woot! Coupons
g: 0 Posted By: jskins
Views: 105 Replies: 0 Sephora Collection Color Festival Blockbuster Palette - $49.50 with free shipping on $50+ at Sephora.

72 x 0.014-oz Eye shadow
28 x 0.014-oz Lip Gloss
8 x 0.077-oz Blush
18 x 0.014-oz Cream eyeliners
4 x 0.018-oz Two-in-one Creams for Cheeks and Lips
2 x Mirrors
6 x Makeup Tutorials


This palette is currently selling for $90 elsewhere on Google Shopping.

Beauty Deals

Sephora Coupons
New Arrivals: Vivienne Westwood - Shaded Logo Woll Blend Shawl
Added on : Thursday September 11th 2014 09:00:04 AM
Made in Italy.
g: 0 Posted By: shadowstriker
Views: 153 Replies: 0 PC Games From Gog.com

Tales of Monkey Island $6.99
SimCity 2000 Special Edition $2.39
Sam & Max: The Devils Playhouse $6.99
Quest for Glory 1-5 $3.99
Ultima 7 The Complete Edition $2.39
Thief Gold $3.39
Deus Ex GOTY Edition $2.99
Populous: The Beginning $2.39
Syndicate Plus $2.39
King of Dragon Pass $1.99
Legend of Grimrock $4.49
Assassin\'s Creed: Director\'s Cut $4.99
Colonization, Sid Meier\'s $1.99
Alan Wake $5.99
Legacy of Kain: Soul Reaver $1.49
Legacy of Kain: Soul Reaver 2 $1.49
Resonance $2.49
Pirates! Gold Plus $1.99
Tomb Raider 1+2+3 $2.99
Botanicula $3.39
Uplink: Hacker Elite $1.49
Torchlight $2.99
Anachronox $1.49
Dreamfall: The Longest Journey $5.99
Time Commando $1.99


Time Limit on Games only 18 hours, 26 minutes left to go!
Video Games Deals
Denon X4000 on sale at Newegg for $839 (normally $1299)
Added on : Thursday September 11th 2014 04:00:08 AM
g: 0 Posted By: tuckerjb
Views: 90 Replies: 0 I have been waiting all summer for the X4100 to come out to drive down the price of the popular X4000. TN charges sales tax for Newegg so I had to use ABT to price matchNewegg's price to get free shipping no tax.For everyone who's been waiting now is the time http://www.newegg.com/Product/Product.aspx?Item=9SIA5E61Y51906&

Sold and shipped by Click Go & Buy
Home & Garden Deals

Newegg Coupons
When to cut back (or cut out) routine maintenance on a car
Added on : Wednesday September 10th 2014 03:00:25 PM
g: 0 Posted By: timothytuxedo
Views: 170 Replies: 3 At what point does it make more financial sense to save the money that you would otherwise use on routine maintenance for a car?

For example: I drive a 1998 Honda Civic with 160,000 miles. It has some significant body damage and the transmission is loud (has been for years) but shifts fine. The interior is fairly well worn. It's not very pretty but it works for me. I could probably get $500-1000 for it. It's worth more than than that to me and I'm looking to drive it into the ground. I was following the suggested maintenance intervals for everything until a couple of years ago. Since then I've gotten the oil changed at regular intervals, but that's about it. I've had things repaired as they break, but not done the recommended transmission flushes, spark plug changes, etc.

It burns about a quart of oil every 1000 miles or so and I'm considering maybe even cutting back on the oil changes.

Does anyone have rules of thumb on what regular maintenance makes the most financial sense as a car's value approaches zero?
Question Deals
Costco golden arowana bamboo flooring $69/Case $2.46/SQFT B&M
Added on : Wednesday September 10th 2014 03:00:15 PM
g: 0 Posted By: drew2money
Views: 332 Replies: 0 Costco has their Gold Arowana Bamboo Flooring on sale, $10 off, $69 per case, $2.46/Sqft.

In store only, not online.

They also had some laminate with attached backing for $1.49/sqft.


Home & Garden Deals
g: 0 Posted By: shadowstriker
Views: 131 Replies: 0 PC Games From Gog.com

The Witcher: Enhanced Edition$1.99
The Witcher 2: Assassins of Kings Enhanced Edition$3.99
Planescape: Torment$3.99
Neverwinter Nights: Diamond Edition$3.99
Sid Meier's Alpha Centauri Planetary Pack$2.39
Rollercoaster Tycoon: Deluxe$1.99
Rollercoaster Tycoon 2: Triple Thrill Pack$3.33
Icewind Dale Complete$3.99
Dungeon Keeper 2$1.99
Wing Commander 1+2$2.39
Rayman Forever$1.99
Rayman 2: The Great Escape$1.99
Broken Sword: Director's Cut$1.99
Age of Wonders$1.99
The Zork Anthology$2.39
Alone in the Dark$1.99
Oddworld: Stranger's Wrath HD$4.99
Star Control 1+2$1.99
Shadowgrounds$1.79
Realms of the Haunting$1.99
The Last Express$1.99
Still Life$1.99
Normality$1.99
Moto Racer$1.19
Slip Stream 5000$1.99

Promo ends in 9 hours, 40 minutes
g: 0 Posted By: taohk
Views: 163 Replies: 0 I just picked up Destiny for $60 at Kmart with $15pts on shopyourway. I also had $10 point on $50 coupon, at the end I got $25 pts. Final cost $35. On top that, I got 30 cents off per gal gas for up to 20 gal, which equivalent $6. That makes the game less than $30. The gas coupon only prints when you check out at store. Order online only get you $15 points, plus whatever coupons you can apply.
Very good deal.
Video Games Deals

Kmart.com Coupons
Smith Aura Polarized Sunglasses White/Blue - $53.79 Fs @ Backcountry
Added on : Wednesday September 10th 2014 06:00:09 AM
g: 0 Posted By: tedhawkins
Views: 197 Replies: 0 Smith Aura Polarized Sunglasses White/Blue - $53.79 Fs @ Backcountry

http://www.backcountry.com/smith-aura-sunglasses-polarized

One time-traveling trip back to the '70s, and you'll discover the inspiration for the wild prints inside the lightweight frame of the Smith Polarized Aura Sunglasses. With a shape borrowed from the square-framed hipster shades of the '80s, the Aura softens things up a little bit with vibrant colors and smooth lines. Pick a tasty-looking point break, stare out into the ocean on a sunny day, and revel in the polarized lenses and TLT optics that make view pop without distortion or glare.

Lightweight, optically-precise TLT lenses adapt to high or low amounts of UV light to provide just the right tint for the situation
Anti-reflective and hydrophobic lens coating keeps your lenses pristine by resisting
Evolve frames utilize Smith's Rislan bio-based material, which is sustainably produced and less harmful on the environment than conventional sunglass materials
Spring hinges cradle your temples for a secure fit that won't squeeze your head
See sizing chart for lens color explanations


Sunglasses Deals

Backcountry.com Coupons
Being part of a stock price class action lawsuit - any downside?
Added on : Tuesday September 09th 2014 01:00:05 PM
g: 0 Posted By: bhatnasx
Views: 110 Replies: 1 Hi all,

I'm a small-time investor in the stock market and primary try to find companies I like and do the buy-and-hold thing, rather than actively buy & sell. One of the stocks I own (65 shares, valued under $2,400 - currently, at time of writing $36.05/share) recently had a huge lift, about 28%, the other day. I'm up 150% since I bought it in July of 2012. Curious as to why there was such a lift, I read the various articles on it on Google Finance & basically, the lift comes from an announcement that the company made that another company (who is a company I'm not familiar with, but publicly trading at about $7/share) has made an offer to buy the company I'm invested in at $36.50 per share.

In the articles, I've now seen a couple of law firms saying they are investigating potential claims against the board of directors that say that the board violated it's fiduciary duties by agreeing to the transaction and that it questionable whether $36.50 adequately values the stock.

One of the "articles" says if you're a shareholder & want to obtain more info to contact the law firm. I sent a note to the lawyer that was listed stating I was questioning the value as well as I believe there's a lot of room for the stock to go up and that $36.50 is way too low and I wanted more info.

The lawyer sent me a note back saying he agrees & they want to pursue this and sent me a contract to sign stating that I was retaining them as a part of a class action lawsuit against this company.

I haven't signed anything, of course. Then I saw another "article" stating another firm is investigating the same thing & to send them a note if I'm a concerned shareholder as well.

My shares of stock with this company is small time - only 65 shares, worth under $2400 as of today.

So my questions are:

1) Should I "sign" with any lawyers whatsoever? I assume no as I'd be part of any class action that goes forward automatically as long as I'm a shareholder?

2) Can 2 different law firms bring the same complaint against the company? I assume anyone can sue anyone for anything they want, but if I were to sign, I assume I could only sign with one.

3) Is there any upside to signing an agreement?

4) Is there any downside to signing an agreement?

5) The lawyer seems to have made it VERY clear in emails that I will have no out of pocket costs whatsoever - regardless of judgement (although I assume most class actions are settled - however, as this is a stock price valuation issue, I don't know how that would be settled? More shares? or something? It's not like they are going to send you a coupon for their services (which aren't for consumer goods anyways).

6) Am I missing anything that I should be asking?

7) I'm pretty sure I don't think I should sign anything, but I really do believe that $36.50 a share is WAY too low - it's peak since inception (1996) was $39/share in August 2013.

Thanks in advance!


Question Deals
Has auto insurance gotten a lot higher over the last several years?
Added on : Tuesday September 09th 2014 11:00:07 AM
g: 0 Posted By: told
Views: 29 Replies: 0 I've only had personal auto insurance once in my life over 2007-2008 in California when I was around 21 insuring an old 80's chevy blazer with Allstate, liability only. Came to a paltry $30 a month or so. Sold it and cancelled the insurance when I moved out of the country. Since then and now I've survived on a combination of bikes trains and other people's insurance plans. I now am moving to Buffalo and will need a car for the first time since. Planning on a cheap used 5 grand civic hybrid again with liability only and Geico is by far the cheapest quote I've gotten and I'm still getting a quote of $80+ a month. I know different states have different rates and expecting to pay the same price now for anything you were paying for in 2008 is a little naive but I also figured being a little older and over that <25 age hump is when your insurance tends to go down. Just looking for feedback if auto insurance in general has climbed that much higher in the last several years or if there's maybe just a chance the online quotes providers give aren't as accurate as they could be going through a live agent.
Discussion Deals
Does U-verse charge late bill payment fee?
Added on : Tuesday September 09th 2014 09:00:12 AM
g: 0 Posted By: ToddC
Views: 38 Replies: 0 For some reason, my AutoPay did not go through and I received an automated voicemail that I was overdue. Went to their Website and paid the full amount manually. The amount had not changed (no additional fee, etc. added). But my question is will they charge me and/or do they charge late payment fee in general (I was late by 6 days), and if so, will it appear in my next bill?
Question Deals
g: 0 Posted By: ctgolfer
Views: 344 Replies: 1 PS4

NBA Live 14 $8.99
Madden NFL 25 $9.99
Thief $9.99
Knack $14.99
Metal Gear Solid V: Ground Zeroes $14.99
The LEGO Movie Videogame $14.99
inFamous: Second Son $17.99
Injustice: Gods Among Us - Ultimate Edition $17.99
Need for Speed Rivals $17.99

Xbox One

NBA Live 14 $8.99
Madden NFL 25 $9.99
Thief $9.99
Metal Gear Solid V: Ground Zeroes $14.99
The LEGO Movie Videogame $14.99
Zoo Tycoon $14.99
LEGO: Marvel Super Heroes $17.99
Titanfall $17.99
Tomb Raider: Definitive Edition $17.99

Xbox 360

Dishonored $8.99
Battlefield 4 $12.99
Fable Anniversary $17.99
BioShock Infinite $8.99
Disney DuckTales Remastered $8.99
The Bureau: XCOM Declassified $8.99
Thief $8.99
Tom Clancy's Splinter Cell: Blacklist $8.99
Call of Duty: Ghosts $9.99
Just Dance 2014 $12.99
Metro: Last Light $12.99
Castlevania: Lords of Shadow 2 $14.99
Dragon Ball Z: Battle of Z $14.99
Lightning Returns: Final Fantasy XIII $14.99
Zumba Fitness World Party $14.99

PS3

Thief $8.99
Castlevania: Lords of Shadow 2 $14.99
Dark Souls II $14.99
Lost Planet 3 $8.99
Madden NFL 25 $8.99
Tom Clancy's Splinter Cell: Blacklist $8.99
Air Conflicts: Vietnam $9.99
Batman: Arkham Origins $9.99
Spongebob Squarepants: Plankton's... $9.99
Battlefield 4 $12.99
Beyond: Two Souls $12.99
Dark Souls $12.99
Dragon Ball Z: Battle of Z $14.99
Lightning Returns: Final Fantasy XIII $14.99
Gran Turismo 6 $17.99

3DS

LEGO: Marvel Super Heroes: Universe in Peril $9.99
Regular Show: Mordecai and Rigby in 8-bit Land $9.99
Sonic Lost World $12.99
Mario & Luigi: Dream Team $17.99
Yoshi's New Island $19.99

Vita

MLB 14: The Show $12.99
Toukiden: The Age of Demons $14.99
Demon Gaze $17.99
Killzone: Mercenary $17.99
Ragnarok Odyssey $17.99


www.gamefly.com/#axzz3CnJMm7vL
Video Games Deals

GameFly Coupons
Gamefly Used Game Sale for September - Thief, Madden NFL 25, & More
Added on : Monday September 08th 2014 08:00:02 PM
g: 0 Posted By: ctgolfer
Views: 200 Replies: 0 PS4

NBA Live 14 $8.99
Madden NFL 25 $9.99
Thief $9.99
Knack $14.99
Metal Gear Solid V: Ground Zeroes $14.99
The LEGO Movie Videogame $14.99
inFamous: Second Son $17.99
Injustice: Gods Among Us - Ultimate Edition $17.99
Need for Speed Rivals $17.99

Xbox One

NBA Live 14 $8.99
Madden NFL 25 $9.99
Thief $9.99
Metal Gear Solid V: Ground Zeroes $14.99
The LEGO Movie Videogame $14.99
Zoo Tycoon $14.99
LEGO: Marvel Super Heroes $17.99
Titanfall $17.99
Tomb Raider: Definitive Edition $17.99

Xbox 360

Dishonored $8.99
Battlefield 4 $12.99
Fable Anniversary $17.99
BioShock Infinite $8.99
Disney DuckTales Remastered $8.99
The Bureau: XCOM Declassified $8.99
Thief $8.99
Tom Clancy's Splinter Cell: Blacklist $8.99
Call of Duty: Ghosts $9.99
Just Dance 2014 $12.99
Metro: Last Light $12.99
Castlevania: Lords of Shadow 2 $14.99
Dragon Ball Z: Battle of Z $14.99
Lightning Returns: Final Fantasy XIII $14.99
Zumba Fitness World Party $14.99

PS3

Thief $8.99
Castlevania: Lords of Shadow 2 $14.99
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Ragnarok Odyssey $17.99


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g: 0 Posted By: shadowstriker
Views: 174 Replies: 0 Warlock, Master of the Arcane: ((PC Digital Download)) Free at Humble Bundle for Steam

Humble Bundle is Giving away Warlock, Master of the Arcane ((PC Digital Download)) for Free
Follow the instructions below:

Click Here
Enter your email address in the space provided and click the Next button.
Enter the reCAPTCHA and click on the Confirm button.
You will receive an email containing the code redeemable via Steam client

You can see the whole game on Steam here:http://store.steampowered.com/app/203630/
But use the Instructions Above to get the game for FREE
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Batman Funko Character Light Up Lamp $19.99 FS @ NeweggFlash
Added on : Monday September 08th 2014 11:00:05 AM
g: 2 Posted By: DizzyT71
Views: 279 Replies: 1 NeweggFlash.com has the Batman Funko Character Light Up Lampfor $19.99 with free shipping.

Compare at Amazon for $25.99.

Plastic lamp adds a playful comic-book style to game room, bedroom, etc.
UL-listed cord.
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A fun and functional addition to your superhero collection!
11-in tall with 6-in diameter shade

5/5 Stars based on 6 customer reviews on Amazon.
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g: 0 Posted By: ctgolfer
Views: 247 Replies: 0 Moneual Rydis Hybrid Robot Bagless Vacuum and Dry Mop Cleaner, MR6550:
High-performance BLDC suction motor is 20% - 30% stronger than standard DC motor
Twin side brushes gather and suction dust from corners and near walls
Detachable microfiber dry mop cleans hardwood, tile and other non-carpeted floors
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Automatic
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g: 0 Posted By: bittul
Views: 166 Replies: 0 Free Shipping no minimum sitewide! No code needed.

www.childrensplace.com

Use code 4PB8AFAF for an additional 20% off. (Couldn't find a higher % off code yet, but with many clearance items marked down by an additional 40% off [my own guestimate based on yesterday's prices], there are many deals to be had!)

Just browse through the clearance section and add to cart.

The color leopard lunchbox (Item #: 2023445_632) for example, is $2.39 on clearance, drops to $1.40 in cart, and drops again to $1.12 after code!
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g: 1 Posted By: ctgolfer
Views: 196 Replies: 0 Kit Includes:
Eye Rimz Baked Wet/Dry Accents in Vesuvius Violet (0.042 oz.): Swirls of vivid pink and violet hues meld together with the deepest black for a dramatic effect. Create a look that's soft and smoky or strong and defined, thanks to Eye Rimz' customizable formula that can be worn as a shadow or a liner.
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g: 0 Posted By: DaysFan
Views: 200 Replies: 0 linkedhttp://www1.macys.com/
FREE 8-Pc. Gift with $35 Este Lauder purchase + GET MORE with $70 Este Lauder purchaseWeb ID: 1611224
Choose a FREE 8-Pc. Gift with $35 Este Lauder purchase + GET MORE with $70 Este Lauder purchase.

FREE 8-Pc. Gift with $35 Este Lauder purchase includes:
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+ GET MORE with $70 Este Lauder purchase:
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Your gift will be added automatically at checkout. Minimum purchase amount does not include the purchase of gift card(s), tax, shipping or gift wrap charges. One gift per customer. Available while supplies last. Online only.
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g: 0 Posted By: MISTERCHEAP
Views: 1 Replies: 0 Buy (1) Physicians Formula Quad Eye Shadow or Concealer Stick - $6.99
Get $7 ECB (limit 1)
as low as FREE after ECB wyb (1)

andBuy (3) Glade Spray 9 oz. - $1 each
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- (1)$2/2 Glade Items Printable[Excludes all 8-oz. Glade Aerosol Sprays and Glade Solid Air Fresheners]
as low as FREE after coupons wyb (3)
Destiny in-game codes - Redeem @ Bungie
Added on : Saturday September 06th 2014 08:00:03 AM
g: 0 Posted By: ctgolfer
Views: 109 Replies: 0 join or sign in to redeem Destiny in-game codes

NumberTypeNameCode
1GrimoireWarlockYKA-RJG-MH9
2GrimoireHunterMVD-4N3-NKH
3GrimoireTitan3DA-P4X-F6A
4GrimoireRixisTCN-HCD-TGY
5GrimoireOld-RussiaHDX-ALM-V4K
6GrimoireHive473-MXR-3X9
7GrimoireMoonJMR-LFN-4A3
8GrimoireGjallorhornHC3-H44-DKC
9GrimoireDuke MK.4469P-KRM-JJA
10GrimoireThe Tower69P-VCH-337
11GrimoireThe Hive: Ogre69R-CKD-X7L
12GrimoireValley of the kings, Mars69R-DDD-FCP
13GrimoireThe Fallen69R-F99-AXG
14GrimoireRed Death69R-VL7-J6A
15GrimoireThe Cabal69X-DJN-74V
16GrimoireThe Devastated Coast, Venus6A7-7NP-3X7
17GrimoireVex Minotaur6A9-DTG-YGN
18EmblemSign of the Finite7F9-767-F74
19EmblemBinding FocusFJ9-LAM-67F
20EmblemIllusion of LightJD7-4CM-HJG
21EmblemAb AeternoJDT-NLC-JKM
22EmblemField of LightJNX-DMH-XLA
23EmblemLone Focus, Jagged Edge7CP-94V-LFP
24ShaderDouble Banshee7MM-VPD-MHP
25ShaderOrakel 99RXC-9XJ-4MH



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g: 0 Posted By: ctgolfer
Views: 123 Replies: 0

16.1 MP APS-C size HD image sensor,The same sensor format that Sony builds into the full-sized α DSLRs. With 13 times the area of the typical point-and-shoot image sensor, APS-C sensor size makes the difference between snapshots and photographs, delivering an exceptional combinat
Sonys advanced Fast Hybrid AF combines two technologies for outstanding performance: Phase detection auto focus for quick response that is ideal when tracking fast-moving subjects and contrast-detection auto focus for added precision. A perfect match tha,Fast Hybrid AF
Full HD Movies1 at 60p/60i/24p,Capture HD Movies in your choice of super-smooth 60p, standard 60i or cinematic 24p, all at Full HD 1920x1080 resolution.1 AVCHD codec delivers stunning picture quality. MP4 codec offers
Connectivity with smartphones for One-touch sharing/One-touch remote has been simplified with Wi-Fi/NFC control. In addition to Wi-Fi support for connecting to smartphones, the NEX-5T also supports NFC (near field communication) providing to,Simple connectivity to smartphones via Wi-Fi or NFC
PlayMemories Camera Apps,Personalize your camera by adding new features of your choice with PlayMemories Camera Apps. Find apps to fit your shooting style from portraits, detailed close-ups, sports, time lapse, motion shot and much more. Use apps that shoot, share and save photos
The NEX-5T is equipped with a tilt-able LCD screen that flips up 180-degrees without sacrificing the compactness for which the 5-series is renowned for. This makes taking great self-portraits incredibly easy since users can precisely compose shots, choosi,180-degree tilt-able 3.0 Touch LCD
Picture Effect mode,There are 11 types (15 variations) of Picture Effects to choose from: Posterization (Color, B/W), Pop Color, Retro Photo, Partial Color (R,G,B,Y), High Contrast Mono, Toy Camera, Soft High-key, Soft Focus, HDR Painting, Rich-tone Mono, Miniature. Each is
Up to ISO 25600 sensitivity with advanced noise reduction,With a new Exmor sensor that features the same adaptive noise reduction technology from Sonys flagship SLT-A99V, the NEX-5T easily offers a wide range of sensitivity from ISO 100 to ISO 25600.
Accepts Sony E-mount lenses,Compatible with Sonys wide selection of E-mount series of smaller, lighter lenses designed specifically for α NEX compact interchangeable lens cameras. Open up a world of endless creative options.
Give your photos a professional look with Auto Object Framing. Featuring advancements like exceptional two-person portrait capability along with Face Detection and Tracking Focus, Auto Object Framing not only turns ordinary photos into stunning compositio,Auto Object Framing
Captures more scene dynamic range than a single exposure can handleand more range than photo film. Combines the best highlight detail from one shot, the best mid-tones from a second and the best shadow detail from a third for one incredible shot (up to 6,Auto HDR mode
Capture expansive landscapes automatically. Press the shutter, sweep vertically or horizontally. The camera does the rest, continuously shooting images and stitching them together. Up to 23 MP image size. Up to 202 degrees maximum sweep angle (18mm focal,Sweep Panorama Technology
Improves results with backlit subjects and recovers details hidden in shadows. Settings include Auto, Level with a choice of five operating levels and Off.,Dynamic Range Optimizer (DRO)
Control how the camera processes your images with six finishing styles: Standard, Vivid, Portrait, Landscape, Sunset and B&W. You can even fine-tune contrast, saturation, and sharpness to your personal taste.,Six Creative Style settings
The Photo Creativity touch interface enables you to easily enjoy the creative expression of SLR-quality digital imaging without the complicated settings. Changes can be easily made using the control dial with results seen in real time on the LCD. Settin,Photo Creativity Touch interface
Utilizing Sonys exclusive By Pixel Super Resolution Technology, Clear Image Zoom increases the effective focal length of your lens up to 2x by digitally magnifying the center of your image with nearly imperceptible degradation. It virtually doubles the e,Clear Image Zoom
Easily recharge the camera via USB charging. Simply connect the bundled USB cable and recharge the battery without removing it from the camera, either via AC outlet or PC connection.,Convenient USB charging
Multi-interface Smart Accessory 2 terminal greatly expands the connectivity options such as external flash units,Multi-interface terminal
Stamina battery power for up to 330 shots7,Take up to 330 shots on a single charge7 with Sony lithium ion Stamina battery power. Sony's InfoLITHIUM battery system enables you to see the percent of power rem


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PenFed Cash Rewards CC - eligibility change
Added on : Friday September 05th 2014 06:00:12 AM
g: 1 Posted By: tag1979
Views: 104 Replies: 2 If you are like me about one year ago you learned that you had to invest a minimum of $1k with PenFed in a Money Market Certificate (i.e., CD) to maintain the 5% Cash Back at gas stations associated with the PenFed Cash Rewards CC. Today my MMC is maturing so I called to see what options I have and learned that maintaining a MMC is no longer required for the PenFed Cash Reward CCs. Instead all you need to do is open a money market savings account (which is free) and fund it with a minimum of $25 - all of which can be done over the phone.

Easy way for some of us to free up $1k for other purposes!
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Car Accident: other part at-fault, neither insurance company is helping
Added on : Thursday September 04th 2014 07:00:06 PM
g: 0 Posted By: kiwistar
Views: 63 Replies: 0 This was posted attheend of another topic and did not get any responses:

Hello FWF community, I need your help and advice on my accident.

The accident happened on Labor Day afternoon, I was driving my CRV on a local road under speed limit and was arriving at an intersection, where a Ford (1st car) stalled while the light was green. I stopped my car (2nd car) in time, a PT cruiser (3rd car) following me I rear ended my car, the impact ofcollisionpushed my car into the Ford in front, causingadditionaldamage on my front bumper and Ford's rear bumper. I called 911 since mydaughterwas riding at the back,dispatcheroriginallyrefused to send the police since no one was seriously hurt, but two police cars stopped by and a police report was filed and will likely beavailablein 2-3 weeks. Police told me most likely the drive of PT cruiser is at fault and the driver of 1st car testified my car did not hit his car before the impact ofcollision. I reported the accident tomyinsurancecompany (Ameriprise) thesame day and and provided them with 3rd car's insurancewhich is Farmers. Unfortunately, I don't have rental coverage through Ameriprise, aftertalkingwith my representativeTuesday, he told me to contact Farmers for rental. Inthemeantime, my car wastowedto Body Shopdesignatedby Ameriprise for estimate. I called Farmers and got the claim No. and contact of adjuster. I called adjuster several times and his supervisor, but no one called me back. Today I called again and reachedadjuster, he told methedrive of Ford already contacted them and sent themthepictures, based on these pictures my car is likelyTotaled, he mentioned a low number from KBB which I did not accept, he alsomentionedthe amount oftotalcoverage may not cover the expenses of both cars. I asked about the rental expense, he said he need to get all the information before approve it, Then he tried to interview me before my permission, I stopped him and tell him police report has all the information. He told me that this will slow downtheclaim. I said I couldn't get by without a car andl will get my rental car regardless hisapproval. I got anenterprise car with my own credit card and Farmers' pending claim number today. For the whole process, I feel like both neither company is moving since Ameriprise has not contacted Farmers yet. Here are my questions:
1. Do I need to call Farmers back for my side of story to make things move faster? what are the potential downsides?
2. Am I too impatient, what is the risk I have to pay rental myself ? How much can I trust what police told me ?
3. How do I get my company help me in dealing with Farmers ?
4. What are the next steps?

A new twist: Ameriprise finally called me back, told me State Farm wouldn't admit 100% fault, I had tointerrupthim that the other insurance is Farmers

Sorry for the long post,I would greatly appreciate if you can provide your valuable advise/inpu, thank you in advance.
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Free Initial Pet Health Exam New Clients
Added on : Thursday September 04th 2014 04:00:05 PM
g: 0 Posted By: Redmaggie
Views: 48 Replies: 0 http://www.vcahospitals.com/main/offer

Free Initial Pet Health Exam


Free Initial Pet Health Exam for Dogs and Cats
FREE pet health exam at your neighborhood VCA Animal Hospital!

It's a risk-free way for you to see the care and special attention we give to each pet at our hospitals.



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Hospital WebsiteVCA Carrollwood Cat Hospital
Tampa, FL
Hospital WebsiteVCA Cabrera Animal Hospital
West Miami, FL
Hospital WebsiteVCA Howell Branch Animal Hospital
Winter Park, FL
Hospital WebsiteGeorgiaVCA Pets Are People Too Veterinary Hospital
Atlanta, GA
Hospital WebsiteVCA Buckhead Animal Hospital
Atlanta, GA
Hospital WebsiteVCA Carrollton Animal Hospital
Carrollton, GA
Hospital WebsiteVCA Pets Are People Too Veterinary Hospital
Chamblee, GA
Hospital WebsiteVCA Peachtree Animal Hospital
Chamblee, GA
Hospital WebsiteVCA Appalachian Animal Hospital
East Ellijay, GA
Hospital WebsiteVCA Columbia Animal Hospital
Evans, GA
Hospital WebsiteVCA Lilburn Animal Hospital
Lilburn, GA
Hospital WebsiteVCA Avalon-Heart of Gwinnett Animal Hospital
Lilburn, GA
Hospital WebsiteVCA Terrell Mill Animal Hospital
Marietta, GA
Hospital WebsiteVCA Braelinn Village Animal Hospital
Peachtree City, GA
Hospital WebsiteVCA Catoosa Animal Hospital
Ringgold, GA
Hospital WebsiteVCA Roswell Animal Hospital
Roswell, GA
Hospital WebsiteVCA Pets Are People Too Roswell Animal Hospital
Roswell, GA
Hospital WebsiteVCA North Atlanta Animal Hospital
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Hospital WebsiteVCA Greater Savannah Animal Hospital
Savannah, GA
Hospital WebsiteVCA Falcon Village Animal Hospital
Suwanee, GA
Hospital WebsiteHawaiiVCA University Animal Hospital
Honolulu, HI
Hospital WebsiteVCA Kaneohe Animal Hospital
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Hospital WebsiteVCA Family Animal Hospital
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Chicago, IL
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Chicago, IL
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Downers Grove, IL
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Fox River Grove, IL
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Highland Park, IL
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Naperville, IL
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Hospital WebsiteIndianaVCA Northwood Animal Hospital
Anderson, IN
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Fishers, IN
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Greenwood, IN
Hospital WebsiteVCA West 86th St. Animal Hospital
Indianapolis, IN
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Indianapolis, IN
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Indianapolis, IN
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Indianapolis, IN
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Lafayette, IN
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Noblesville, IN
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Zionsville, IN
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Kansas City, KS
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Louisville, KY
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Hospital WebsiteLouisianaVCA Airline Animal Hospital
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Hospital WebsiteMarylandVCA Peachtree Animal Hospital
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Hospital WebsiteMassachusettsVCA City Cats Hospital
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Hospital WebsiteVCA North Main Street Veterinary Clinic
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g: 0 Posted By: eh82
Views: 210 Replies: 3 The damage is on the edge of the door and bad enough (bent & cracked paint) that left alone will end up deteriorating quickly. Dont ask me how it was missed except to say the sale person drove it up for them (she was with boyfriend) to test drive and had the door open for her. Shouldnt the sales person point out something like that? They are a young couple on a tight budget to boot. I wanted my husband to go with them but young people always have to learn the hard way. I'm sick about it. They are in NY state, are there any laws to cover this? Any help is appreciated.TIA
Question Deals
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

Investing Deals
Office Depot Sharpies, 2 packs of24, $20 get $5 off til 9/6
Added on : Thursday September 04th 2014 10:00:03 AM
g: 0 Posted By: Marvinomatic
Views: 74 Replies: 0 Here's the coupon: http://www.retailmenot.com/coupons/sharpie#print.6112573, or you can get it in the weekly Office Depot circular. I had 2 coupons, from 2 newspapers. This was about 1-2 weeks ago, for $1 off. (I did a search for Sharpie Coupons, for the rest of FatWallet users, but had no luck) I picked up 24 sharpie fine, and 24 ultrafine for $13 w.o. tax.
Office & School Supplies Deals

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

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

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

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

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

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

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

List of damaged electronics :

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

Discussion Deals
Amazon - Several History Books - Free KINDLE
Added on : Thursday September 04th 2014 01:00:04 AM
g: 0 Posted By: CindyLouWho2
Views: 58 Replies: 0 ~~Amazon - Several Books on History - Free KINDLE
Here are several eBooks from Amazon that are currently free KINDLE:The Forgotten Women Heroes: Second World War Untold Stories - The Women Heroes in the Extraordinary World War Two [KindleThis is a short and Untold Stories of the Women Heroes in the Extraordinary World War Two ***These women have been footnotes in history and at least one of them was a model for women in James Bond books and movies. The women however have remained in the shadows of the stories of the Second World War. These women fade into history even though their actions were crucial in changing the outcome of the war.This book is an effort to remember these forgotten women and remove the shrouds from the memory of these amazing and courageous women.http://www.amazon.com/Forgotten-Women-Heroes-Stories-Extraordina...
*********************War Stories: The American Civil War, Remembered by Those Who Were There [Kindle Edition]
See the Civil War through the eyes of the people who lived through it: spies, soldiers, generals, escaping slaves, nurses, and more.When one thinks of the American Civil War, it is easy to conjure up images of great generals developing brilliant strategies and influential politicians making historic decisions; but there was a great deal more going onIn this book, you will find Civil War stories most people have never heard before, told by people who actually lived during those momentous times. From intrepid young men who went aloft in balloons and viewed the enemys position, to the joys and miseries of the private soldier, to the daring activities of secret spies...Laugh as Sir Henry Morton Stanley recounts his adventure, as a young private, raiding the farm of a Unionist to forage for he and his messmates Christmas dinner. Or, be amazed as Sarah Edmonds tells how she disguised herself and made her way deep within Confederate lines. These accounts and many more make up this unique collection of amazing Civil War stories...From camp pranks to close, bloody conflict; and from the jubilation of victory to the misery of defeat, you can find it all in War Stories: The American Civil War, Remembered by Those Who Were There.
http://www.amazon.com/War-Stories-American-Civil-Remembered-eboo...
The Memoirs of Colonel John S. Mosby [Kindle Edition]
John S. Mosby (AuthorJohn Singleton Mosby served as commander of the 1st Virginia Cavalry, known as Mosby's Rangers. His memoirs describe his experiences and recollections of Robert E. Lee and JEB Stuart, among others. A table of contents is included.http://www.amazon.com/Memoirs-Colonel-John-S-Mosby-ebook/dp/B00A...
"Boots and Saddles" or Life in Dakota with General Custer [Kindle Edition]
Boots and Saddles or Life in Dakota with General Custer, written by George Armstrong Custer's wife Elizabeth, is an incredible look into the life of the Custers and their life on the Great Plains.A table of contents is included.
http://www.amazon.com/Boots-Saddles-Dakota-General-Custer-ebook/...
******************************************Memoirs of the Confederate War for Independence [Kindle Edition]
Heros von Borcke (1835-1895), was a German cavalry officer who served for the Confederacy. His memoirs are sympathetic to the Confederate cause, and discuss some of the most notable events in the Civil War.http://www.amazon.com/Memoirs-Confederate-Independence-Heros-Bor...
The 15 Decisive Battles of the World from Marathon to Waterloo [Kindle Edition]Creasy's The 15 Decisive Battles of the World from Marathon to Waterloo is a fascinating history of history's greatest battles.A table of contents is included.http://www.amazon.com/Decisive-Battles-World-Marathon-Waterloo-e... of Greece Volume 2: Grecian History to the Reign of Pisistratus at Athens [KindleHistory of Greece Volume 2: Grecian History to the Reign of Pisistratus at Athens, is part two of George Grotes epic history of Greece.
http://www.amazon.com/History-Greece-Grecian-Pisistratus-Athens-... of Greece, Volume 1: Legendary Greece [Kindle Edition]
George Grote
History of Greece, Volume I: Legendary Greece, from the Gods and Heroes to the Foundation of the Olympic Games (776 B.C.) is part one of George Grotes epic history of Greece.http://www.amazon.com/History-Greece-1-Legendary-ebook/dp/B009QA...
History of Greece Volume 3: From the Age of the Despots to the Western Colonies [Kindle Edition]
George Grote (Author)
History of Greece Volume 3: From the Age of the Despots to the Western Colonies is the third part of George Grotes epic history of Greece.
http://www.amazon.com/History-Greece-Despots-Western-Colonies-eb...
History of Greece Volume 4: Greeks and Persians [Kindle Edition]
George Grote (Author)
is part four of George Grote's epic history of Greece.
http://www.amazon.com/History-Greece-4-Greeks-Persians-ebook/dp/... Heroes and Great Chieftains [Kindle Edition]
Charles A. Eastman (Author)Indian Heroes and Great Chieftains is a fantastic collection of brief biographies of famous Native Americans such as Red Cloud, Sitting Bull, Crazy Horse, and more.A table of contents is included.
http://www.amazon.com/Indian-Heroes-Chieftains-Charles-Eastman-e... Life and Times of Akhnaton [Kindle Edition]
Arthur Weigall (Author)
Arthur Weigall's The Life and Times of Akhnaton is a fascinating biography of one of Egypt's most controversial pharaohs.http://www.amazon.com/Life-Times-Akhnaton-Arthur-Weigall-ebook/d... Hessians and the Other German Auxiliaries of Great Britain in the Revolutionary War [Kindle Edition]
Edward J. Lowell (Author)
The Hessians were greatly feared mercenaries from Germany and they fought for the British in many of the battles of the American Revolutionary War. This version of Lowells The Hessians and Other German Auxiliaries of Great Britain in the Revolutionary War includes a table of contents.http://www.amazon.com/Hessians-German-Auxiliaries-Britain-Revolu...
Totally Free Deals
rent free home. should I do it
Added on : Wednesday September 03rd 2014 10:00:10 PM
g: 0 Posted By: jblake86
Views: 37 Replies: 1 Currently my wife and I rent the house we are in. It costs us 1k per month in rent. A family member just purchased some land that also had a house on it. It needs interior work ( floors, cabinets, kitchen, furnace, new electrical). You get the idea. This family member approached me and my wife about living in this house rent free if I complete everything inside. They would cover the large things. Electric hvac roof etc and we would be responsible for everything else. This is intriguing because we could put 10-20 K into it and have a place to live rent free for 10 years or more. Does anyone have any gotchas I am not thinking about?
Question Deals
Etihad Incredible Offer from Los Angeles & San Francisco!
Added on : Wednesday September 03rd 2014 11:00:03 AM
g: 0 Posted By: fatbujy
Views: 339 Replies: 1 Etihad Incredible Offer from Los Angeles & San Francisco!
Take advantage of our fantastic special offer & enjoy huge discounts in Economy Class from Los Angeles and San Francisco (San Francisco starting November 18, 2014) to some of our most popular destinations Mumbai, New Delhi, Madras, Islamabad, Bangkok & Teheran. Hurry, these fares are valid for a limited time only. Sale is valid until 07 September, 2014. Travel is valid from 02 September, 2014 to 30 November, 2014.
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Smashbox freebies with a $40 purchase + 6% Cash Back
Added on : Wednesday September 03rd 2014 11:00:02 AM
g: 0 Posted By: aprilannie
Views: 150 Replies: 0 5 days only! Free deluxe samples of Full Exposure Mascara, Pore Minimizing Primer & 24 Hour Shadow Primer with any $40 order. use code FALLTIPSends 9/6More Offers from Smashbox
6% Cash Back Available! Use of coupons without FatWallet's Cash Back designation can void Cash Back.Gift Card Details: Cash Back not available on gift card purchase or redemption.Receive the Hot Deals and Offers Added Each Day by Email!
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Beauty Deals
What is my Best Option For Our Health Insurance?
Added on : Wednesday September 03rd 2014 10:00:11 AM
g: 0 Posted By: justignoredem
Views: 21 Replies: 0 Okay so I'm in a bit of an interesting situation. I have never had an HSA, nor do I know much about it other than general reading on it (Vanguard, bogleheads). So I still feel like I do not know enough about the account. A lot of people seem to advocate HSA accounts in the finance forums, so I figured this would be an ideal place to get different opinions. Below are the general options between my wife and I at our careers going into the next 2 months.

Wife:Her Company is about to split off, long story short, she will have to pick new benefits when the new fiscal year comes (October 1). She will have 2 options - 1. a standard PPO, covers ~80% for a decent amount per month. or 2. an HSA that covers the basics but gets company supplementation. Also has the option for FSA.

Myself:I'm currently on break. I will be joining a big 4 company shortly. As you can guess, they have tons of choices. Everything from an incredibly expensive option that covers everything 100% (but is expensive every month), to one that covers the basics for very cheap, to an HSA that covers the basics, to a standard PPO that covers 90% for a decent amount. Also has an FSA.

The kicker? We see a baby entering our lives in the next year. It will be happening soon, so that will be a major factor. This is what makes me feel an HSA is not an option, because funds will obviously be needed on the spot for hospital visits for the kiddo and pregnancy/delivery basics. HSA would obviously be the option when you foresee healthiness that you can save up for, correct?

1. Am I correct in that assumption that HSA is not a viable option with a child on the way shortly?
2. Considering a baby would be on the way, would it at all make sense EVER to get the 100% coverage option? Obviously it's not going to cover 100% of all costs (Prescriptions for example). We're talking something like $300/mo vs. $200/mo for 90% PPO.
3. What do you guys see as the ideal path? Consider the FSA accounts as well.
4. Lastly, is there maybe some kind of Hybrid situation I'm not seeing? Maybe getting a PPO on my side but also getting the HSA on the wife side for the company match would be beneficial?
Personal Finance Deals
g: 0 Posted By: NantucketSunrise
Views: 55 Replies: 0 Probably if this couldaffect you, you already know about it!

However, I never hear anything about this topic in the US
(but I do not watch much American television, so that obviously limits my exposure),
and therefore I thought I'd justmention to FWF folks that Scotland is voting in 2 weeks on whether thatcountry willleave the United Kingdom or not,
and it's a pretty major decision for them (and for the entireUK).

Although many analysts/bookies/etc. have thought up to now that there is not much chance that the "Yes - Scotland should leave the UK" sidecould win, I'vealways had a gut feelingthat the vote might be pretty close to 50/50.

Last month, I held off on changing some dollars into pounds because Iexpectedthe poundto decline against the dollar in the first part of September, and it has now done so. (This will be an interesting month, especially if the "Yes" campaign wins!)

Today a reputable poll (YouGov) showed thatthe"Yes" voteis nowat 47%, with 2 weeks to go before voting day:

"Pound slides after latest Scottish independence poll
Currency markets get the jitters after poll shows support for yes vote has risen to 47% with referendum just over fortnight away"
http://www.theguardian.com/business/2014/sep/02/pound-slides-scottish-independence-poll-yes-vote-referendum
theguardian.com, Tuesday 2 September 2014 08.26 EDT

-----
A little background:

"The UK consists of four countries: England,Scotland,Walesand Northern Ireland."
"The relationships among the countries of the United Kingdom have changed over time.
The Principality of Waleswas incorporated into the Kingdom of Englandin 1536.
In 1707, the kingdoms of Scotlandand England were united to form the Kingdom of Great Britain,which in 1801, united with the Kingdom of Irelandto form the United Kingdom of Great Britain and Ireland.
In 1922, five-sixths of Ireland seceded from the UK, leaving the present formulation of the United Kingdom of Great Britain and Northern Ireland."
http://en.wikipedia.org/wiki/United_Kingdom

"A national referendumis scheduled to be held in Scotland on 18 September 2014. Voters will be asked to answer Yes or No to the question: 'Should Scotland be an independent country?'"
http://en.wikipedia.org/wiki/Scottish_independence

Question Deals
Car Damaged By Locksmith *YES...pics included*
Added on : Tuesday September 02nd 2014 06:00:09 AM
g: 0 Posted By: KYBOSH
Views: 156 Replies: 3 The front pillar and roof rail of my sister's Prius was damaged by a locksmith as they attempted to unlock her car.
Her battery died while she was out and she left her keys in the car. Normally the car knows when the keys are in the cabin and will not lock the driver out. But the battery died and when this occurs the car automatically locks (so I am told).

She called for roadside service and I was shocked to see the aftermath.

The pillar along the passenger's side door has 3 VERY noticeable dents in it. The top of the door itself is no longer flush as well.

I have had a locksmith get my locked keys out once or twice but have never seen that kind of damage to the pillar. Needless to say that aint gonna buff right out.



I'm getting all the details from her about the locksmith (whether it was contractor from AAA or her insurance company) and will update this post as soon as I hear back from her today.

I doubt my sister raised hell on the guy at the time but I don't think we can/should let this one slide without a fight.
Has anyone had any experience with things like this?

I'm getting all the details from her about the locksmith (whether it was contractor from AAA or her insurance company) and will update this post as soon as I hear back from her today.



Personal Finance Deals
Razer DeathAdder 2013 Gaming Mouse ($39.99 was $69.99) @ Best Buy
Added on : Monday September 01st 2014 10:00:05 PM
Razer DeathAdder 2013 Gaming Mouse - $39.99 FS @ Best Buy
Added on : Monday September 01st 2014 10:00:04 PM
g: 0 Posted By: Xenocrates
Views: 314 Replies: 0 Razer DeathAdder 2013 Gaming Mouse- $39.99 FS @ Best Buy

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Best Buy Coupons
Razer - DeathAdder 2013 Gaming Mouse - $39.99 FS @ Best Buy
Added on : Monday September 01st 2014 07:00:04 PM
g: 0 Posted By: Xenocrates
Views: 114 Replies: 0 Razer - DeathAdder 2013 Gaming Mouse- $39.99 FS @ Best Buy
Keyboard & Mouse Deals

Best Buy Coupons
g: 0 Posted By: DaysFan
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g: 0 Posted By: ctgolfer
Views: 102 Replies: 0 TODAY ONLY

use code: GMG23O-FFLABO-RDAYUS

Includes
Sid Meier's Civilization III Complete Edition
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Sid Meier's Civilization V: The Complete Edition
Sid Meiers Civilization V
Sid Meiers Civilization V: Gods & Kings
Sid Meiers Civilization V: Brave New World
Civilization Pack: Babylon (Nebuchadnezzar II)
Civilization and Scenario Pack: Denmark: The Vikings
Double Civilization and Scenario Pack: Spain and Inca
Cradle of Civilization: Mediterranean map
Cradle of Civilization: Americas map
Explorers Map Pack
Civilization and Scenario Pack: Polynesia
Civilization and Scenario Pack: Korea
Wonders of the Ancient World Scenario Pack
Cradle of Civilization: Asia map
Cradle of Civilization: Mesopotamia map
Scrambled Continents Map Pack
Scrambled Nations Map Pack
Conquest of the New World Deluxe Scenario

www.greenmangaming.com/s/us/en/pc/games/strategy/civilization-fr...
Video Games Deals
g: 0 Posted By: Kattah
Views: 264 Replies: 1 Linkazon

Remember to clip the 20% off coupon and select the Subscribe and Save option.

If you have less than 5 items with Subscribe & Save, your total after 20% coupon and 5% savings is $8.94. This is what I had to do. (shame spiral)

Grocery Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 172 Replies: 0 RYOBI 18-Volt ONE+ System introduces the ultimate power tool collection and for a limited time, this kit includes the RYOBI In-Vehicle Charger. The drill/driver is compact and powerful enough to handle any job on your project list. The impact driver features a Tri-Beam LED light that eliminates shadows on work pieces. The bits are easy to reload and the MagTray is ideal for holding bits and screws for many jobs. JobPlus base with Multi-tool Attachment is the most versatile 18-Volt multi-tool on the market. It accepts accessories from all popular brands using the universal adaptor and also accepts Ridgid JobMax interchangeable tool heads. The Anti-Vibe reciprocating saw reduces user fatigue and the adjustable, pivoting shoe allows depth-of-cut control and more efficient use of blade. The circular saw features the ExactLine laser which automatically activates for improved cutting accuracy. The work light has a multi-functional design that sits flat on battery, on end, or hangs for ultimate lighting versatility. They all have new and improved GripZone oversold for optimum grip and user comfort.

www.homedepot.com/p/Ryobi-18-Volt-ONE-6-Piece-ULTIMATE-Lithium-I...


also available:

18-Volt ONE+ 5PC. Lithium-Ion Cordless Combo Kit with Car Charger $229
The RYOBI 18-Volt ONE+ System introduce an online exclusive power tool collection and for a limited time, this kit includes the RYOBI In-Vehicle Charger. The drill/driver is compact and powerful enough to handle any job on your project list. The impact driver features a Tri-Beam LED light that eliminates shadows on work pieces. The bits are easy to reload and the MagTray is ideal for holding bits and screws for many jobs. JobPlus base with Multi-tool Attachment is the most versatile 18-Volt multi-tool on the market. It accepts accessories from all popular brands using the universal adaptor and also accepts Ridgid JobMax interchangeable tool heads. The Anti-Vibe reciprocating saw reduces user fatigue and the adjustable, pivoting shoe allows depth-of-cut control and more efficient use of blade. The circular saw features the ExactLine laser which automatically activates for improved cutting accuracy. They all have new and improved GripZone overmold for optimum grip and user comfort. This kit also includes the RYOBI In-Vehicle charger which plugs into vehicle's 12-volt DC outlet for convenience to charge batteries when power is limited.

www.homedepot.com/p/Ryobi-18-Volt-ONE-5PC-Lithium-Ion-Cordless-C...
Tools Deals

Home Depot Coupons
eTrade vs optionsXpress
Added on : Sunday August 31st 2014 09:00:06 PM
g: 0 Posted By: salilsurendran
Views: 20 Replies: 0 Hello,
I had ETrade but opened an account with optionsXpress because they were cheaper when making mutual fund trades. However, I find that optionsXpress don't have as many mutual funds to trade as ETrade and also it is very difficult to search in their database as to if that mutual fund is available for trading. So many times I research and find some funds but those funds are not available in optionsXpress. Anyone find the same?
Question Deals
Large Glitter Cream Eyeshadow Palette $9.25 + Ship @icing.com
Added on : Sunday August 31st 2014 05:00:05 PM
g: 0 Posted By: bbedcde
Views: 214 Replies: 0 http://www.icing.com/us/products/large-glitter-cream-eyeshadow-p...
Details:Create fun, funky glamorous looks with this large glitter cream eyeshadow palette that has every color of the rainbow and then some.

9"L x 5 3/4"H x 1/2"W
Contains: 28 glitter cream eyeshadows

Beauty Deals

Icing.com Coupons
Hydrangea Tablecloth $68.95 + Ship @softsurroundingsoutlet.com
Added on : Sunday August 31st 2014 05:00:03 PM
g: 0 Posted By: bbedcde
Views: 206 Replies: 0 http://www.softsurroundingsoutlet.com/P/Hydrangea_Tablecloth/

Was: $88.95

About:
Heralding the warm, bright days of summer, our cotton tablecloth and napkins (sold separately) are abloom with a garden's worth of sunny hydrangeas. Evoking the dappled beauty of a watercolor painting, this artistic motif is rendered in brilliant shades of yellow, leaf green and sky blue, with a navy border treatment for a polished finish. Each sold separately.
Home & Garden Deals
costco 65" Slumber Cat Tower 29.97 YMMV
Added on : Sunday August 31st 2014 10:00:04 AM
g: 0 Posted By: bearsloft
Views: 328 Replies: 0 A few weeks ago I purchased a Beatrise "65 Slumber Cat Tower for $49.97 at my local Costco. I believe this item was originally priced at 79.99 or 89.99 so I purchased feeling proud to have saved that much money. Today I spotted the same product now priced at $29.97. After a little of bit of drama I did get the price difference refunded to me, but thought I'd share with my fellow cat owners who are burdened with excess space in their house

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

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

Bear
Pets Deals
g: 0 Posted By: bittul
Views: 1 Replies: 0 https://www.sears.com/shc/s/p_10153_12605_00347580000P

$79.99 + Free Shipping.

Earn $40 in points. ($44 if paying all in cash)

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
For me this was a no-brainer, as I had a $5 off $50 coupon, + the $20/$20 FB coupon, + $10 in surprise points. (so ended up paying $65 in points, and getting back $60)
g: 0 Posted By: bankbonusexpert
Views: 0 Replies: 0 I own a building in MN. I had a lawyer write a lease for me, I filled up the building, and the first person is now leaving. In accordance with the lease, when they moved out I charged a $100 move-out/trash fee and just deducted that from their security deposit. I itemized it correctly, but they are suing me saying that the law does not allow me to deduct anything from security deposits except for repairs. The law says that only repairs and other amounts due that are agreed to can be deducted. Surely this was meant to cover unpaid rent, but from my standpoint the tenant agreed to the fee and I don't see why I wouldn't be allowed to deduct it.

She is suing me for $500 plus $300 (three times the amount deducted for bad faith). The lawyer that wrote the lease told me he wouldn't be able to take on a case due to his current caseload. If I'm not allowed to deduct the $100 I would be willing to pay that back to them, but I really think $800 is unfair, and anything over maybe like $120 seems unfair. But I'd also like to know if I'm not allowed to charge that so that I don't make the same mistake again. I talked to a second lawyer and he said he'd charge more than $800 to get this done so it wouldn't be worthwhile. My lease says that I get attorneys fees in an action I bring, but doesn't grant them to me in an action the tenant brings even if the tenant loses-thank you previous lawyer...

Anyway, I know there are a lot of landlords on here, what would you do?
Deal Extreme Dash cam for under $20 with free shipping
Added on : Saturday August 30th 2014 07:00:07 PM
g: 0 Posted By: jeeperscreepers
Views: 135 Replies: 0 Deal Extreme (DX.COM) Dash cam for under $20 with free shipping. They are in Hong Kong but I have had excellent service from them over the years.
linkyhttp://deals.dx.com/team.php?sku=315172

info on camera

Mini Size 1.5" TFT 5.0MP 12 IR LED Car Vehicle CAM Video Dash Camcorder (SKU 315172)
Detail
Color Black
Model C600
Quantity 1 Set
Packing List 1 x Car DVR
1 x Car charger (12~24V / 400cm)
1 x USB cable (60cm)
1 x Car mount
1 x English / Russian / Chinese user manual
Chip
Sunplus 1521
LCD
1.5"TFT LCD Screen
Lens
90 Degree Wide Angle Lens 7670 Camera
Night Vision
Support(12 lights)
Video Resolution
1280*720 (720P 30 fps) 848*480(30 fps) 640*480 (30 fps)
Video Format
MJPEG (AVI)
Photo Format
JPEG
Photo Resolution
8M/5M/3M/2MHD/VGA/1.3M
Media Storage
Internal Memory 64MB
TF card, up to 32GB
Optional Language
English, simplified, traditional, Spanish, French, Portuguese,Russian, German, Japanese, Korean, polish, Hungarian, Czech.
Interface
support USB 2.0
Night vision nfrared lamp
Support
motion detection function
Support
network camera function
Support
Audio
Built in microphone/speaker
Battery
Built-in battery, 380mAH, working time of 90 minutes
Accessories
User Manual, USB cable, car charger, mount framer,
Manual Language
English, simplified, traditional, Spanish, French, Portuguese,Russian, German, Japanese, Korean, polish, Hungarian, Czech





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

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

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

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

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

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

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

Hope you find this useful.




Popular Destinations Deals
Question regarding PA 529 Guaranteed Savings Plan
Added on : Saturday August 30th 2014 01:00:15 PM
g: 0 Posted By: munkyxtc
Views: 23 Replies: 0 My wife and I have been considering setting up PA 529 Guaranteed Savings Plans for our 2 children (2 & 4 years old) but I have a question which I'm not exactly clear on...

When you open an account you choose the tuition level for which you'd like to save in order to earn college credits; however, I had a question regarding what happens if my child(ren) later decide they want to go to a lower or higher tiered school?

Basically; to go to many state schools it recommends you save $275/mo per child; however, for Penn State it recommends $600+/month. I found the following blurb on the PA 529 site:
. said: Tuition level
When you open a PA 529 GSP account, you will be asked to designate a tuition level on the enrollment form. When you designate a tuition level, you are choosing the type of school for which you are saving. However, you may change your choice at any time and the change is made retroactively. Additionally, your tuition level will automatically be changed for you, if needed, to match your students school if he or she ultimately attends a specific Pennsylvania publicly funded college or university. The Tuition Level determines the growth on your account when used for qualified higher education expenses. It determines the tuition inflation rate of growth and the tuition inflation value of the account.

The way I read this is if I at a later date decide to change a lower tier that all of my previously paid funds will be converted to credits at the new tuition level based on the rates when I contributed. What I'm am question and want to make sure is that the conversion rate will not be made at the current prevailing rate as you'd end up potentially losing out on a ton of value the longer you'd wait to convert.

Does anyone have a definite answer on this? Thanks in advance.
g: 0 Posted By: hellokitty27
Views: 172 Replies: 0 Amazon has L'Oreal Colour Riche Lip Color in select shades starting at $5.67 when you Subscribe & Save.

Lipcolour with intensely rich color and hydration
Enriched with nourishing ingredients like Omega 3, Vitamin E, and Argan Oil to condition and soften lips
Available in a spectrum of gorgeous shades from bold to nearly nude



Health & Beauty Deals

Amazon Coupons
g: 0 Posted By: kingt888
Views: 110 Replies: 0 http://www.amazon.com/gp/product/B00LH9ED88/ie=UTF8&psc=1&smid=ATVPDKIKX0DER

~Includes the Skylanders SWAP Force Starter Pack, Skylanders SWAP Force Scorp Character, Skylanders SWAP Force Triple Character Pack (Hyper Beam Prism Break, Horn Blast Whirlwind, Rip Tide), and Skylanders SWAP Force Triple Character Pack: (Dune Bug, Phantom Cynder, Knockout Terrafin)
Other systems' prices varies

Nintendo Wii - $56.88
Xbox 360 - $55.64
Nintendo Wii U - $55.73
PS3 - $53.92
PS4 - $56.81
Xbox One - $56.63

A great starting kit for kid if your family haven't had the Skylander Swap Force, IMO

Toys Deals

Amazon Coupons
g: 0 Posted By: BigBoyMichigan
Views: 8 Replies: 0 First Niagara Bank $250.00 Bonus
How to get your $250.00 cash bonus**It's as easy as using your Pinnacle or PinnaclePlus Checking account. You can earn the $250 when you complete all three of the following within the first 60 days of opening your account.

Make a direct deposit totaling $250.00 or more.
Make ten debit card purchases.
Make five bill payments using Online/Mobile Banking.

Complete AnyOne: Earn$50.00total
Complete AnyTwo: Earn$100.00total
Complete AllThree: Earn$250.00total**BONUS (Choice Checking, Pinnacle Checking, and PinnaclePlus Checking Only)
You may be paid up to $250 as a cash bonus. To qualify for cash bonus you must open a new checking account.Criteria:Within 60 days of account opening you must complete at least one of the following with your new First Niagara account: direct deposits totaling $250 or more, or five (5) bill payments using Online/Mobile Banking, or ten (10) debit card purchases. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.Payment:$50 for 1st completed criteria, additional $50 for 2nd completed criteria, additional $150 for 3rd completed criteria. Total payout is up to $250.Timing:Cash bonus will be deposited into your new checking account within 30 days from end of the month in which you satisfy offer criteria. Applicable Bonus payments may be paid as one lump sum or as individual payments. Checking account must be open and maintain a positive balance in order to obtain the bonus. Account must remain open for 180 days to avoid a $25 Early Account Closing fee. Cannot be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on one account. Customers must be residents of CT, MA, PA or NY to participate in this offer. Not available to Trust or Estate accounts. Bank employees and members of their household are not eligible for this promotion. The amount of the cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS Form 1099-INT for the year in which the bonus is paid to you. Promotion runs through 9/12/2014 and can be withdrawn at any time.Minimum opening deposit is $50.00 for Choice and Pinnacle Checking and $500 for PinnaclePlus. Pinnacle Checking is an interest-bearing account. Interest-bearing accounts are variable rate accounts, which means we may change rates at any time. Interest Rates will not be tied to any index but will be set by us at our discretion. There is no limitation on the amount by which Interest Rates may change. As of 7/25/2014, Pinnacle and PinnaclePlus accounts earn an Annual Percentage Yield (APY) of 0.01% for all balances. Fees may reduce earnings on interest-bearing accounts.One-Swipe Balance is a trademark of First Niagara Financial Group, Inc.
Chase mortgage pre qualification
Added on : Friday August 29th 2014 01:00:05 PM
g: 0 Posted By: deeder
Views: 85 Replies: 2 Received pre qualification letter from Chase for a home. Credit score showed 817 out of 818 on equifax but it showed two negatives where one was clearly untrue and the other was only partially true. Said high balances on credit lines when its all paid in full monthly and I use very little and it said there an account with too short a history and I have been using my latest account and paying it back in full all the time with significant balance. Account is probably roughly a year old perhaps, not sure of the exact date offhand but I pay it each and every month and had large paybacks on multiple accounts including this one.

Guess after the account is opened longer I will get the full 818? Not that it matters. It isn't like I didn't already know my credit score was immaculate.


Discussion Deals
g: 0 Posted By: ShadowedBlade
Views: 170 Replies: 1 Bath & Body Works is once again doing a Mystery Coupon event like I've posted about here in the past. The coupons were released via email yesterday (08/28/2014) and I've figured out the 40% off coupon and am posting it here. This gets you 40% off your entire purchase IN STORE ONLY, including sale and clearance priced merchandise. I would have posted sooner, but I wanted to confirm that it worked properly at the register ... and it did. Saved over $265 tonight stacking sale and clearance prices with the coupon.

The coupon is valid through IN STORE ONLY through 09/01/2014. Here are the terms and conditions of the coupon:

Mystery offer will be 20%, 30% or 40% off your next purchase. To redeem in stores, present this email at checkout at time of purchase. No substitutions. This promotion code is not valid with any other offer that requires you to enter another promotional code at checkout. If another code is entered at checkout, this offer will be void. Offer valid at U.S. Bath & Body Works stores and BathandBodyWorks.com through11:59 p.m. EDT on September 1, 2014. Offer not valid at Bath & Body Works stores in Canada and White Barn Home stores.
Again, this is the 40% off coupon ... just like I've found and posted in the past. I am NOT bragging or anything ... I am simply saying that I have posted the coupon successfully in the past because someone always questions me as to if it is a valid coupon or not.

Hope everyone gets a chance to use it and SAVE!

Health & Beauty Deals

Bath and Body Works Coupons
JCPenney in-store coupon $10 off $10 or more
Added on : Friday August 29th 2014 06:00:11 AM
g: 0 Posted By: ctgolfer
Views: 400 Replies: 3 *$$10 off select original, regular, sale and clearancepriced apparel, shoes, accessories, fine jewelry & home purchase of $$10 or more. Extra 10% off select original, regular, sale and clearancepriced watches, furniture, mattresses and custom blinds and shades purchases. Offers good in store only, excluding taxes and shipping charges, 8/29/149/1/14. One coupon per customer per transaction, one use per coupon; must be provided/surrendered at time of purchase.


https://static.cdn.responsys.net/i5/responsysimages/content/jcpenney/CouponPage1.html
Clothing Deals

JCPenney Coupons
45% or More Off Men's and Women's Pearl Izumi Running Shoes @ Amazon
Added on : Thursday August 28th 2014 09:00:05 PM
g: 0 Posted By: Xenocrates
Views: 183 Replies: 0 45% or More Off Men's and Women's Pearl Izumi Running ShoesFS @ Amazon

Note: The pictures on the side are in the same order as the links.

Pearl Izumi Men's EM Road N2 Running Shoe- $66.51 FS
Pearl Izumi Women's EM Road N2 Running Shoe- $75.72FS
Pearl Izumi Men's EM Trail N1 Running Shoe- $66.96FS
Pearl Izumi Men's EM Road H3 Running Shoe- $81.00FS
Pearl Izumi Men's EM Road M3 Running Shoe- $89.61FS
Pearl Izumi Women's EM Road M3- $89.61FS
Pearl Izumi Women's EM Trail N1 Running Shoe- $67.80FS
Pearl Izumi Women's EM Road H3 Running Shoe- $62.99FS

Shoes Deals

Amazon Coupons
Discover more to it conversion
Added on : Thursday August 28th 2014 06:00:09 PM
g: 0 Posted By: deeder
Views: 45 Replies: 1 Just had my discover more converted to it as I called in. Spoke to a really cute sounding young female rep from Delaware who was nice and converted the card over for me and I retain my promotional rate with it.

Additional perks and 0% promo and 1% and no forex and benefits and customer service make this a winner. JD Power tied Amex and Discover for customer satisfaction. I had to call in otherwise my More wouldn't have been converted over. Obviously business decision to retain customers who know about it or for new customers actively shopping for new cards.

Looks like acceptance is also increasing but I maintain other cards as well and will take advantage of Discover where accepted.
Deal Deals
What Other Credit Card Benefits Do You Make Sure to Use?
Added on : Thursday August 28th 2014 12:00:05 PM
g: 0 Posted By: justignoredem
Views: 124 Replies: 0 Odd Question, but I was scrolling through my Citi card and seeing the different benefits they offer:

Price Rewind - Register a product purchased on the card and they will monitor the price for 60 days and give you a refund of any difference in price.
Rental Car Warranty - some others do this I hear
etc... others do extended warranty for products.

All I usually ever give a crap about is the standard reward... CashBack! (Or miles for some people). When I am at a rental car agency my first thought process is "Which one of my cards will give the most CashBack on Travel related services?" and if I can't find one I just give any random one. I'm not thinking "Which one will give me free rental car insurance?"

So I'm curious, which one's are the most crucial to you guys? Because I really want to start taking advantage of them more often, but I'm usually too lazy. I'm always thinking they aren't worth the time or money to call up and register or whatever.

Now what I CAN say is worthy as far as card benefits outside of standard CashBack is this: Whenever I am skeptical of ANY charge or any merchant. I always just tell myself: "Put it on the AMEX". Because I always know if there is a problem with the charge there hasn't been a single time that AMEX hasn't sided with me. I had a cab driver rip me off with a $10 added tip... guess he enjoyed having no-tip more
Discussion Deals
g: 0 Posted By: rbstern
Views: 180 Replies: 0 This deal is back:

http://www.rakuten.com/prod/lenovo-thinkcentre-m58p-intel-core-2-duo-3000-mhz-160gig-hdd-4096mb/228632857.html

I've had one of these for a month now, and it's excellent. Machine came with Win 7 64 bit installed (instead of 32 bit) and was clean as a whistle. Cheapie, no-name USB mouse and keyboard are included.

Great workstation for most casual uses except serious gaming.
Desktop Computer Deals

Rakuten.com Shopping Coupons
Suggestions for steps in securing online access to credit cards?
Added on : Thursday August 28th 2014 05:02:04 AM
g: 0 Posted By: violentkoala
Views: 10 Replies: 0 Twice this week, my credit card acct has had its address and email address updated. And during one of the incidents, an AU was added. I went over tocreditboards and will be followingWC's directions there to secure my credit report/ personal data. Not sure if this is relevant in the pursuit of credit monitoring, but theCC wasattached to my Sony PSN acct during thegreat hack of 2011.Should I report this to my local law enforcement?

Outside of following CB, what monthly triple scoremonitoring servicesare suggested? I recently received a 100k point amex offer, and I hear they offer triple score monitoring, any feedback on their service?
Credit Deals
LG 55" 1080p LED HDTV Microcenter In-store Only $579.99 YMMV
Added on : Thursday August 28th 2014 04:00:08 AM
g: 0 Posted By: ArbitraryChicken
Views: 1 Replies: 0 You must enter your email address to have the price emailed to you. Not available at all locations, but had 10+ in-stock at my store.
​LINK

LGs 55LB6000 delivers stunning picture quality. With LED backlighting you get amazingbrightness, clarity and color detail. With MCI 240, which is double the rate of our basemodels, makes action movies, video games and sports look crystal clear with virtuallyno motion blur. And, Full HD 1080p has almost double the pixel resolution of standardHD so you see almost every detail. All this in an Energy Star Certified model lets you enjoy an amazing picture while being kind to the environment and your wallet.Specifications
PRODUCT INFORMATION SKU 208181 Mfr Part# 55LB6000 UPC 719192593404 PANEL Display Type LED Backlight Type LED Screen Size 55" Native Resolution 1920x1080 MCI (Motion Clarity Index) MCI 240 Aspect Ratio 6 Modes VIDEO HD Signal Support 720p
1080i
1080p AUDIO Speakers 2.0ch CONNECTIVITY HDMI 2 Composite In 1 Shared with component Component In 1 Digital Audio Out 1 Antenna 1 USB interfaces 1 RS-232 Ports 1 STAND / WALL MOUNT VESA Mount Compatibility 400mm x 400mm POWER Certifications Energy Star PHYSICAL SPECIFICATIONS Width 48.94" Depth (With Stand) 10.04" Depth (Without Stand) 2.24 Height (With Stand) 30.39" Height (Without Stand) 28.54" Weight (With Stand) 40.6 lbs. Weight (Without Stand) 50.3 lbs. MANUFACTURER WARRANTY Parts 1 Year Limited Labor 1 Year Limited
Free Kindle Book- The Mystery of Garabandal
Added on : Thursday August 28th 2014 02:00:47 AM
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B00GHMAQQ8

4.6 out of 5 stars (11 customer reviews)

Fifty years ago, four young girls in a small Spanish village began falling into rigid trances, marching backward up hills, and levitating, seemingly, inches above the ground. Eyes fixed on a mysterious point in the air, they were mesmerized by something which was invisible to everyone else.
What the girls said they saw--and heard--sent shock waves that are still reverberating today. The messages the four girls claimed to receive revealed a picture of a Catholic church in crisis and a world that faced an earth-shattering future that would unfold in their lifetime.
The girls pronouncements about coming trouble in the church and world were met with fierce skepticism from the first. Some charged the girls with being possessed by demons (based on the girls strange physical poses and apparent levitation), and others claimed the girls were putting on an act (revealing their true colors when they chose ordinary married lives instead of the convent). There was also a third body of critics: those who believed that a group of girls on the CUSP of adolescence in a remote and insular society conjured up a psychodrama which, fueled by the spotlight and mounting frenzy, gained a frightening life of its own.
There was one other possibility--that the strange events in Garabandal, Spain actually did occur, and the girls received an apocalyptic warning for both the church and the modern world.
The warning to the world included a prediction that a newly militant Russia would rise again. The prophecies of Garabandal also foretell a World-Wide Warning and a Global Miracle, whose purpose is to convince a world reeling from one catastrophe to the next that God exists. But the Warning and Miracle, dramatic as they sound, are not even the most unsettling of the messages. One night, the young girls dissolved into screams. During this so-called Night of the Screams, the girls say they were shown a tragic chastisement that would befall the entire world if the Warning and Miracle failed to trigger global change.
As disquieting as those messages were, the most shocking message at Garabandal was for the hierarchy of the Roman Catholic Church. Why were the messages of Garabandal so effectively suppressed? Did it have to do with the fact that the messages presciently warned of coming scandal and turmoil in the Roman Catholic Church itself?
Did a portal open between worlds on a Spanish mountaintop in that summer of 1961? And if so, who opened the door--an angel of God or an angel of darkness? Did a young girl's flight of fancy one summer night spin wildly out of control? Or was it a visitation from God?
Now that the girls at the center of this drama are 60-year-old women, should their claims be discredited or re-examined? Are the apparitions bogus or fast-approaching their fulfillment? If the events are false, Garabandal is a fascinating and perhaps tragic human interest story with several explanations. If the events and warnings are true--then what do we do?
By the end of this book, readers can judge whether the visions of four young seers on a mountaintop in Spain were historical fact, a devilish fraud, or the creative confusion of four girls who would spend the rest of their lives trying to escape a human tragicomedy that they themselves had produced.
Totally Free Deals
g: -2 Posted By: 1hotmama
Views: 315 Replies: 2 If you have a dog or cat with mobility issues this is a product I swear by. It usually costs about $24 a bottle, including shipping, but a seller on Amazon has a limited quantity of short dated bottles for $9.00 including shipping. I had emailed the manufacturer and the strength and ingredients in the dog and cat formulas are the same. While I give this to two of my dogs, they weigh about 18 lbs. and they get 1/2 dropper daily. I just put it in some chicken broth. The savings is substantial>50%. You should also read the reviews on Amazon for the dog formula. I personally take hyaluronic acid 100mg 2x daily. I used to need steriod injections in my knees, and since taking hyaluronic acid (about 9 months now) I have not had any injections. In just 10 days my 14 year old Westie has shown dramatic improvement in mobility. I also give it to my 14 year old terrier mix just for insurance even though he doesn't show much signs of aging. I highly recommend this supplement. Human and pets.
http://www.amazon.com/Hyalogic-Hyaflex-C-1-Ounce-Joint-Supplemen...

Ships from and sold by Top Quality Factory.
Pets Deals

Amazon Coupons
g: 0 Posted By: luv2shop80
Views: 229 Replies: 1 Nordstrom has theKate Spade Branton Square Cross-body Bag(Assorted Colors)for$94.80with free shipping.

6.4"W x 4.75"H x 1"D
23" Crossbody Strap Drop
.5-lbs.
Comes in Black, Brown Sugar, and Shadow Stone

Purse Deals

Nordstrom Coupons
The Book of Unwritten Tales Complete Bundle $3.19 A/C @ Greenman Gaming
Added on : Wednesday August 27th 2014 10:00:31 AM
g: 0 Posted By: ctgolfer
Views: 208 Replies: 0 use promo code: Z4364W-7MR5WA-N5BCOO
This bundle contains:

The Book of Unwritten Tales - Deluxe Edition
The Book of Unwritten Tales: The Critter Chronicles - Deluxe

The Book of Unwritten Tales - Deluxe EditionIn a world torn by war, the aged gremlin archaeologist Mortimer MacGuffin harbors the dark secret of a powerful artifact. Whoever calls this artifact his own, will determine the fate of the world.While the Army of the Shadows sends out its best and most devious agents to discover the secret, the Alliance's four heroes find themselves involuntarily drawn into the crisis...Digital Deluxe Edition Extras:

Making Of Booklet
Making Of A Character Video
Soundtrack (all mp3)vertureThe Artefact of DestinyWilbur's ThemeIvo's Action ThemeThe EvilUndeadsOrcsMage TowerSeastoneSong of Death

The Book of Unwritten Tales: The Critter Chronicles - DeluxeThe stand-alone add-on to The Book of Unwritten Tales! Warning: This is not a sequel, it is a prequel, and it is a stand-alone addon In case it hasnt been mentioned.The Critter Chronicles tell the story of how adventurer Nate Bonnett and Critter, his hairy sidekick, first met, all set before their appearance in Wilburs and Ivos adventure in The Book of Unwritten Tales. Enjoy a thrilling and hilarious point-and-click adventure in the fantasy world of Aventasia. Travel from the Northlands to the Mages Tower of Seastone and experience a story that offers tremendous fun for seasoned players of The Book of Unwritten Tales and newcomers alike.Immerse yourself in the prequel to the most successful adventure of the year 2009!The Digital Deluxe Edition will include the game PLUS following Digital Extras:

Making of Book
Soundtrack (12 tracks)
Making of Video
Making of Voice Overs Video



www.greenmangaming.com/s/us/en/pc/games/indie/book-unwritten-tal...
Software Deals
Hyalogic Hyaflex-C 1-Ounce Joint Supplement for Cats $9 FS @Amazon
Added on : Wednesday August 27th 2014 09:00:22 AM
g: -2 Posted By: 1hotmama
Views: 214 Replies: 1 If you have a dog or cat with mobility issues this is a product I swear by. It usually costs about $24 a bottle, including shipping, but a seller on Amazon has a limited quantity of short dated bottles for $9.00 including shipping. I had emailed the manufacturer and the strength and ingredients in the dog and cat formulas are the same. While I give this to two of my dogs, they weigh about 18 lbs. and they get 1/2 dropper daily. I just put it in some chicken broth. The savings is substantial>50%. You should also read the reviews on Amazon for the dog formula. I personally take hyaluronic acid 100mg 2x daily. I used to need steriod injections in my knees, and since taking hyaluronic acid (about 9 months now) I have not had any injections. In just 10 days my 14 year old Westie has shown dramatic improvement in mobility. I also give it to my 14 year old terrier mix just for insurance even though he doesn't show much signs of aging. I highly recommend this supplement. Human and pets.
http://www.amazon.com/Hyalogic-Hyaflex-C-1-Ounce-Joint-Supplemen...

Ships from and sold by Top Quality Factory.
Pets Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 168 Replies: 1 Pet Playpen 45" Exercise Puppy Dog Pen Kennel Folding Design Easy Storage $34.95 Fs bestchoiceproducts via eBay

http://www.ebay.com/itm/Pet-Playpen-45-Exercise-Puppy-Dog-Pen-Ke...

FEATURES:

8 panel 45" Diameter
Instantly sets up
Portable and lightweight
Waterproof 600D oxford Cloth Material
2 Zippered Doors
Removable mesh cover for shade and security, air flow and visibility
Removable pad for comfort
Also includes band for water fountain, 2 side storage bags, metal hooks for holding playpen to the ground, and a portable carrying case

DIMENSIONS:

Playpen size: 45" diameter X 24" H
Panel size: 19-1/4" W X 24" H
Door size: 13" W X 14-1/2" H
Mesh cover diameter: 40"
Pad diameter: 43-1/2"
Carrying case size: 26-1/2" L X 20" W


Pets Deals

eBay Coupons
g: 0 Posted By: MrVietnam
Views: 1587 Replies: 26 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
Get $1 +UP Reward wyb 2 (Limit 4)
$1/1 Werther's Original printable
$1/1 Werther's Original Sugar Free Candy printable
$0.75/1 Werther's Original Baking Caramels printable
$1/1 Riesen Product, exp. 11/1/14 (SS 07/27/14 R)
As low as (2) FREE after coupons and +UP Reward!

Covergirl eye, lip, nail BOG50%
$2 UP wyb 2 L2
single eye shadow is 3.39
2 = 5.08
-$3/2 mq P&G
=2.08 oop get $2 UP
plus tracking for EE

Paper Mate pens 49c
use 50c mq SS 8/17
=free

Nestle Girl Scout Candy Bars, 2/$1
$0.50/2 Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, exp. 9/15/14 (SS 07/13/14)
$1/4 Nestle Girl Scout Candy Bar (Rite AidVideo Values, August 2014)
(4) FREE after stacked coupons!

Buy (2) Nexxus Therappe Shampoo, $5.99 ($8.99) BOGO50%
Get (2) $3 +UP Reward (Limit 5!)
Use (2) $3/1 Nexxus Hair Care Item printable
Use (2) $3/1 Nexxus Hair Care Product (Rite Aid Video Values, August 2014)
$9.01 MM (wyb 2)

Hershey's snack size candy bogo, reg $1.49
use 2 $1/2 ss 8/3, $1/4 vv, final price: free
In Store Promos Deals
g: 0 Posted By: calwatch
Views: 84 Replies: 0 Two years ago, when I was 27, I took all my savings and bought a $425,000 house in Toronto with the goal of being mortgage-free in four years. With two years to go, the goal is in sight.Im going to own my own three-bedroom bungalow in Scarborough by my 31st birthday.But the cost has been high financially and personally. I lived in the basement and rent out the rest. To save further, I dont own a cellphone or have cable TV or a car. On top of a full-time job, I work part-time evenings and weekends. And Ive been committed to this frugal lifestyle for some time; while at Ryerson University studying business management, I lived with my parents. While my friends were out driving cars, buying fast food, drinking and partying, I worked three part-time jobs, purchased used textbooks, brown-bagged my lunch, and cycled to school.

http://www.theglobeandmail.com/globe-investor/personal-finance/m...

Well, that and trolling your story to every media outlet in Canada, and much of the States as well.
Discussion Deals
Napoleon Perdis Foundation Stick - $26.95 shipped @ Ulta
Added on : Tuesday August 26th 2014 05:00:27 PM
g: 0 Posted By: hellokitty27
Views: 239 Replies: 0 Ulta has the Napoleon Perdis Foundation Stickfor $21.00 w/ $5.95 shipping or free shipping on orders $50+. Available in 6 shades. Normally $42.00.

Matte Finish
Water-Resistant Formula
Contains Aloe Extract
Buildable Coverage

Beauty Deals

ULTA Coupons
bareMinerals Multi-Tasking Stars Set - $35.95 shipped @ Sephora
Added on : Tuesday August 26th 2014 05:00:17 PM
g: 0 Posted By: hellokitty27
Views: 183 Replies: 0 Sephora has the bareMinerals Multi-Tasking Stars Setfor $30.00 w/ $5.95 shipping or free shipping on orders $50+.

0.07-oz. Natural Light Mineral Veil Finishing Powder
Lash Domination 10-In-1 Volumizing Mascara in Intense Black
0.12 oz Spring2Triple Take Color, Gloss & Stain in Coral Pink (exclusive)
5-in-1 BB Advanced Performance Cream Eyeshadow in Candlelit Peach (exclusive preview)
bareMinerals Ready Bronzer & Cheek Tint Duo (exclusive)
9-in. x 6.5-in. bareMinerals Signature Tech Case

Beauty Deals
Clinique Free 8-Piece Gift With any $32+ @ Bloomingdales
Added on : Tuesday August 26th 2014 11:00:31 AM
g: 0 Posted By: fivetalents
Views: 258 Replies: 0 Link

It's Clinique bonus time at Bloomie's

Get a deluxe 8 piece gift on purchases of $32 or higher ($85 value). Shipping is $8 but "loyalists" get free shipping (plus triple points on any Clinique purchase until Aug 27th) or you can buy in store to avoid shipping fees. One offer per person. While supplies last.

~~
Try Clinique's #1 best-selling moisturizer, plus an exclusive color compact for eyes and cheeks in your choice of shade.

Includes:
1. Cosmetics Bag
2. Repairwear Laser Focus Wrinkle Correcting Eye Cream, deluxe sample
3. Even Better Dark Spot Correcting Hand Cream Broad Spectrum SPF 15, deluxe sample
4. Dramatically Different Moisturizing Lotion+, deluxe sample
5. Take The Day Off Makeup Remover For Lids, Lashes & Lips, deluxe sample
6. Long Last Lipstick in Silvery Moon or Beauty
7. Color Compact in Smoky Violets or Bright Violets (Eyeshadow Duo, Blush and High Impact Mascara)
8. Eyelash Curler

Web ID: 1103086
Beauty Deals

Clinique Coupons
g: 0 Posted By: ctgolfer
Views: 174 Replies: 0 Xbox Live Gold Required
The Elder Scrolls V: Skyrim $11.99
Fallout 3 $5.99
Fallout: New Vegas $5.99
Crysis 3 $5.99
Guacamelee! Super Turbo Championship Edition $7.49
Xbox Live Gold and Silver
Dishonored Downloadable Content (DLC)
Dunwall City Trials $2.49
The Brigmore Witches $4.99
The Knife of Dunwall $4.99
Void Walker's Arsenal $1.99
Forza Horizon $9.89
Ridge Racer: Unbounded $4.99
Spec Ops: The Line $4.49 (pictured)
Need for Speed Rivals $19.79
NFL Blitz $4.94
Shadow Complex $4.94
TMNT: Out of the Shadows $4.94
Twisted Pixel Bundle $9.89
State of Decay: Breakdown $3.49
State of Decay: Lifeline $3.49
Plants vs. Zombies $4.94
Plants vs. Zombies: Garden Warfare $20.09
LEGO Lord of the Rings $4.99
Guardians of Middle-earth $4.94
Left 4 Dead $4.99
Dead Island $4.99
Rayman Legends $13.19
Mafia II $3.99
Banjo-Kazooie: Nuts 'n' Bolts $4.94
Soul Calibur V $3.74
Far Cry 3 $9.99
Far Cry 3: Blood Dragon $4.94
The Walking Dead: Season Two Season Pass $10.04


http://marketplace.xbox.com/en-US/Product/Spec-Ops-The-Line/66ac...
Video Games Deals
Plastic surgery, the FWF way.
Added on : Tuesday August 26th 2014 07:01:08 AM
g: 2 Posted By: CowbellMaster
Views: 219 Replies: 9 My wife is a warrior - after multiple children she has some war wounds and although she's incredibly fit, thin and healthy there are some things that diet and exercise can't fix so she has decided to pursue a fix. We're planning on a traditional 'mommy makeover' which will include a tummy tuck, hernia repair, and BA. I'm curious what other FWFers have done or would advise.

She has a relatively severe diastasis (separation of abdominal muscles) as well as a small hernia. From what I've read, insurance won't cover the diastasis repair (which is BS but I won't try to change the world today) but WILL cover the hernia repair. That said, I'm wondering if I can have a portion of the procedure(s) covered as the surgeon will be repairing the hernia in the same procedure as the tummy tuck. From some cursory research it looks like our insurance co will accept an invoice that includes "repaired hernia" and send us a check for the amount of the repair benefit, which will include the negotiated anesthesia benefit. While this may only be a small portion of the entire amount, I'm looking for any way to mitigate this potential large expense.

Other things to think about: cash offer. Knowing a surgeon's marginal tax rate is probably close to 50% I wonder if this is an option? As they are not an insurance-funded industry for the most part I don't know if there is more flexibility here.

I want to keep my expenses as low as possible but obviously I want the very best for my wife. This is less financial in nature but I wonder if anyone has ever researched plastic surgeons before and can offer advice? I'm in the Rochester area and am struggling to find "the best" in New York State or within around 8 driving hours of us. I've read countless "Realself" posts but the more you read the more you start seeing that many of those reviews seem to be very suspiciously biased. I was looking at a Toronto surgeon but I recently found out an acquaintance had a cauterizing tool dropped on her stomach during a standard BA procedure with him and lawyers in the area are shrugging it off, the surgeon is offering free scar cream, end of story. Are there any high-end PSs in the Western New York area or should I bite the bullet and go someplace closer to NYC?

Thanks for any insight.
Personal Finance Deals
g: 0 Posted By: heartharlez
Views: 42 Replies: 1 The City of Sacramento filed a utility lien against my property in the amount of $56.53 for delinquent utility charges owed when my account wasn't delinquent. My payment for the entire balance owed posted to the account two business days priortheir filing the lien. (In fact I had overpaid and had a credit balance showing.). I received two letters dated the same date as the recorded lien. One notifying me of the lien
placed and the other notifying me that the lien will be removed due to payment received. It then states that a notarized letter releasing the lien is available upon request
and that a recording fee will be required in order to process it. It states that unless a notarized letter from the City is submitted to the County Clerk, the lien remains active.
What is the best way to handle this situation as I not only want the lien released immediately, but I want it expunged from the property record? Their mistake could also be
damaging to my credit worthiness and lower my FICO scores etc. Should I send a letter? What do I say? I want them to cooperate by correcting this error at their
expense without me having to hire a Lawyer. Thank you for your time reading my post,and I appreciate any help offered.
Personal Finance Deals
g: 1 Posted By: SweetClover
Views: 865 Replies: 3 If you are an AARP member, and you buy at least $15 or more of Walgreens branded health and/or wellness products, your purchase might/should trigger a mail-in form printout at checkout good for 1 year of AARP membership, compliments of Walgreens. I purchased a bottle of 90 ct Loratadine with the $10 off sale last week, which triggered the form. Mine had a 9/30 mail-by date on it. YMMV.
Tutorials & How-Tos Deals

Walgreens Coupons
g: 0 Posted By: rbstern
Views: 165 Replies: 0 Printer is currently on sale. Originally $299, less $110 discount, sale price $189. Trade in your old printer for another $50 credit.Final price $139.

After deciding to retire my unreliable Lexmark color laser printer, which was bleeding me to death via expensive toner cartridges, I started researching replacements. Read several times that inkjets are now rivaling color lasers in the SOHO segment of the market. The Epson WF-4630 had some of the best ratings and reviews on Amazon, so I settled on that model. Went into the local Office Depot today toput my hands on one. Was surprised to find a display placard next to the WF-4630 indicating that I could get a $50 credit for trading in my old printer. Didn't see any reference to this deal online.

The old Lexmark weighs about 50 pounds, is bulky, and I hated the idea of throwing it in the trash. Thehelpful salespersonat Office Depot said it goes to a recycling center if traded in. Win-win. They rang me up, including the $50 trade-in discount and asked that I drop the printer off next time I was in the store.I brought it to them this evening.

I've had the WF-4630 up and running in my office all afternoon, and I have to say, it is impressive. Fast, quiet, and the print quality is excellent. Cost per page is reportedly low, which was critical to me. This deal is also good on models WF-4640 (same printer with an additional paper tray), and WF-7620 (13x19 paper capable, with dual paper trays). Both are a bit more money than the WF-4630, but also look like relative bargains. All of these models use the new Epson "PrecisionCore" technology, which is their latest generation chip/print head technology. My initial impression is that it works.

http://www.officedepot.com/a/products/657703/Epson-WorkForce-Pro-All-In-One/
All in one printers Deals

Office Depot Coupons
g: 0 Posted By: SweetClover
Views: 54 Replies: 0 If you are an AARP member, and you buy at least $15 or more of Walgreens branded health and/or wellness products, your purchase might/should trigger a mail-in form printout at checkout good for 1 year of AARP membership, compliments of Walgreens. I purchased a bottle of 90 ct Loratadine with the $10 off sale last week, which triggered the form. Mine had a 9/30 mail-by date on it. YMMV.
Health & Beauty Deals
Vitacost Brand Sale BOGO + F/S on $25
Added on : Monday August 25th 2014 07:00:09 AM
g: 0 Posted By: smileshadow
Views: 224 Replies: 1 Title states it all. Select items (258 at posting) only. Expires 8/28/14 at 10 a.m. EDT

Sale Page Link

Some well-priced stuff, IMO:
Organic Extra Virgin Olive Oil 16.9 fl oz- 2 for $9.79
Organic Peanut Butter 18 oz- 2 for $7.79

Also, NOT included in the BOGO sale but at a good price if you need an add-on
is the EV Org Coconut Oil 16 oz on sale for $5.99


Health & Beauty Deals

Vitacost Coupons
g: 1 Posted By: mayberj
Views: 468 Replies: 2 I called Staples and they had issues in giving me a 20% off coupon for the Netgear Nighthawk R7000.

I had them pricematch Newegg at $158 and told them how Newegg has the 10% off with Visa and they price matched it to $127.19

From there I decided I should get 2 making it $254.38

Followed by the rep being nice enough to take $10 off as I was on the phone for an hour.

This brings the price to $127.19 shipped free to my door. I do not think this price can get much better than that

$254.38
$10 off
= $244.38

Key points:
1. Price Match Newegg or another site
2. Show how there is a 10-20% off coupon
3. As long as Newegg has it through their resellers for $158 its yours. YMMV


Routers Deals

Staples Coupons
Blacklisted by car dealership?
Added on : Monday August 25th 2014 04:01:00 AM
g: 1 Posted By: DVDAPEX
Views: 98 Replies: 3 Short Story (read below this for the full details): I want to buy a car from Dealer A which is $1100 cheaper than Dealer B. Dealer B says that their offer is the lowest possible bid and Dealer A is out to scam me and will not send me the car for that amount. Dealer A needs to do a dealer trade to get the car and when they contact dealers with stock, they happen to contact Dealer B. Dealer B asks if the car is for "DVD Apex" and when Dealer A says "yes", Dealer B refuses to do the dealer trade.


Long Story:
I'm going through the process of buying a new car (using the "FW Style" thread) for the first time in my 20+ years of car ownership.

I used truecar to get a starting point and then I sent to all of the dealerships with the lowest cost (as well as a couple that don't seem to be involved with truecar but are still within a 50 mile radius) the "lowest out-the-door price" email that was noted in the "Buying a new car FW Style" thread.
The best offer was $1100 cheaper than Dealer B (which is local to me). (I've since had a late reply from a different dealership that's $1150 cheaper.)
There were other offers $400 - $600 cheaper than Dealer B.
Dealer A indicated that they would have to do a dealer trade to get the car.
Dealer B had the car I wanted in-stock.

I sent a follow-up to Dealer B saying they were $1100 off from the lowest bid (at that point, I didn't tell about the others who were $400 - $600 less).
Dealer B lowered their offer by $200, but said that there's no way Dealer A was going to give me the car for that price.

I figured since I was close by, I'd stop in and do a test drive (I'd previously driven the car as a rental.).
While I was at the dealership, I told the salesperson who I was and he recalled our emails. When I was done with the test drive I was told that there's no way the lowest dealership was going to be able to sell me the car for that amount. At that point, I told him that I'd had offers $400 - $600 lower than Local Dealership, so I don't think that's as "low as anyone can go."
He offered to have me talk to his manager. I told him I'll say "hi", but that we're so far apart of price that it's probably not going to result in a sale.

The minute I walked into the manager's office and he hears my name, he starts in on me telling me that Dealer A is pulling a scam as he knows what the cost is and even at the offer he gave me he's making 0 profit and that he's not going to lose money on a deal and not be able to feed his family and I look like the type of guy who wouldn't want to lose money on a deal...
When he took a breath, I mentioned that I'd had other offers for $400 - $600 less than what Dealer B was offering, but maybe they had lower overhead or some other way that they could beat Dealer B's offer.
I thanked the salesman and the manager, shook their hands and walked out the door.
As I walked out, the manager said that when Dealer A reneged on the deal, I could come back.
I said "have a nice day."

I told Dealer A that I was going to work with them and that they could source the car.
Dealer A contacted 3 dealerships showing stock and when they'd called to update me they hadn't heard from two dealers, they did mention that one of the dealerships they contacted was Dealer B and Dealer B specifically asked if the car was for DVD Apex. When Dealer A said it was, Dealer B refused to do the dealer trade.

Clearly Dealer B is trying to scupper the deal. Anyone experience this before?
Discussion Deals
g: 0 Posted By: mayberj
Views: 147 Replies: 1 I called Staples and they had issues in giving me a 20% off coupon for the Netgear Nighthawk R7000.

I had them pricematch Newegg at $158 and told them how Newegg has the 10% off with Visa and they price matched it to $127.19

From there I decided I should get 2 making it $254.38

Followed by the rep being nice enough to take $10 off as I was on the phone for an hour.

This brings the price to $127.19 shipped free to my door. I do not think this price can get much better than that

$254.38
$10 off
= $244.38

Key points:
1. Price Match Newegg or another site
2. Show how there is a 10-20% off coupon
3. As long as Newegg has it through their resellers for $158 its yours. YMMV


Routers Deals

Staples Coupons
Epson - EX6220 WXGA 3LCD Projector $489.99 Fs @ Bestbuy
Added on : Sunday August 24th 2014 11:00:27 PM
g: 0 Posted By: tedhawkins
Views: 143 Replies: 0 Epson - EX6220 WXGA 3LCD Projector $489.99 Fs @ Bestbuy

http://www.bestbuy.com/site/epson-ex6220-wxga-3lcd-projector/995...


Portable design

Weighs 5.3 lbs. and includes a soft carrying case for easy transport.
3LCD, 3-chip technology*

Delivers 3x brighter colors and reliable performance for brilliant images with true-to-life color.
3000 lumens of color brightness and 3000 lumens of white brightness

Create a highly visible display with clear on-screen images.
Up to 10,000:1 contrast ratio

Provides a high number of shades between black and white for excellent color saturation.
1280 x 800 WXGA native resolution in 16:10 widescreen format

Delivers crisp images with intricate detail.
2.9' - 29.5' projector distance and 1.3 - 1.56 throw ratio range

Reproduce wide images in their correct proportions.
USB Plug 'n Play setup

Instantly projects audio and video from a PC or Mac via a USB connection.
Horizontal and vertical image correction

Projects rectangular images from any angle; just move the easy-slide control bar to make the necessary horizontal image adjustments; vertical adjustments are automatic.
Instant off/on, sleep mode (A/V mute) and direct power off/on

Allow quick, convenient control.
Manual zoom and focus

Enable precise adjustments.
200W UHE E-TORL lamp

Helps minimize light diffraction and leakage and provides up to 6,000 hours of lamp life in ECO mode and up to 5,000 hours of lamp life in normal mode.
HDMI, 15-pin D-sub, mini DIN S-video, RCA composite and RCA audio interfaces

Enable flexible connectivity. USB port offers easy connection of a compatible flash drive (not included).
Quiet operation

With 29dB in ECO mode and 37dB in normal mode limits distracting operational noise.
Remote

Lets you move freely while giving a presentation.
2W speaker

Offers clear audio.

Color brightness (color light output) and white brightness (white light output) will vary depending on usage conditions. Color light output measured in accordance with IDMS 15.4; white light output measured in accordance with ISO 21118.

*Compared to leading 1-chip DLP business and education projectors based on NPD data, July 2011 through June 2012. Color brightness (color light output) measured in accordance with IDMS 15.4. Color brightness will vary depending on usage conditions.


Epson Deals

Best Buy Coupons
Chase Freedom Limit Increase
Added on : Sunday August 24th 2014 06:00:30 AM
g: 0 Posted By: ultratwdavis
Views: 12 Replies: 1 So I've had my Freedom card for 2.5 years and have a limit of $500, I got it when I was 18, and have kept a max balance for almost all of the time of me having it, which boiled down to my low income and bad spending habits, but my I just got a new job and my income is around $2200/month.
I've had 2 late payments.


I am going to pay down my balance to around $200 tomorrow and ask for a CLI on Thursday. What do you think my chances are and what amount do you think?

I am planning to use this card for business from
now on and the balance will be paid in full immediately and frequently, so a nice sized increase would be great, probably to around $3k-$4k.


Anyone able to gimme some input?


Thanks!
Question Deals
g: 0 Posted By: MrVietnam
Views: 1158 Replies: 10 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
Get $1 +UP Reward wyb 2 (Limit 4)
$1/1 Werther's Original printable
$1/1 Werther's Original Sugar Free Candy printable
$0.75/1 Werther's Original Baking Caramels printable
$1/1 Riesen Product, exp. 11/1/14 (SS 07/27/14 R)
As low as (2) FREE after coupons and +UP Reward!

Covergirl eye, lip, nail BOG50%
$2 UP wyb 2 L2
single eye shadow is 3.39
2 = 5.08
-$3/2 mq P&G
=2.08 oop get $2 UP
plus tracking for EE

Paper Mate pens 49c
use 50c mq SS 8/17
=free

Nestle Girl Scout Candy Bars, 2/$1
$0.50/2 Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, exp. 9/15/14 (SS 07/13/14)
$1/4 Nestle Girl Scout Candy Bar (Rite AidVideo Values, August 2014)
(4) FREE after stacked coupons!

Buy (2) Nexxus Therappe Shampoo, $5.99 ($8.99) BOGO50%
Get (2) $3 +UP Reward (Limit 5!)
Use (2) $3/1 Nexxus Hair Care Item printable
Use (2) $3/1 Nexxus Hair Care Product (Rite Aid Video Values, August 2014)
$9.01 MM (wyb 2)

Hershey's snack size candy bogo, reg $1.49
use 2 $1/2 ss 8/3, $1/4 vv, final price: free
In Store Promos Deals
SEPHORA COLLECTION Chroma Color Eye Palette $65 free shpping
Added on : Sunday August 24th 2014 01:00:14 AM
g: 0 Posted By: DaysFan
Views: 72 Replies: 0 http://www.sephora.com/
http://www.sephora.com/chroma-color-eye-palette-P388288?


Makeup

Eye Makeup
Eyeshadow Palettes & Eye Sets



SEPHORA COLLECTION
Chroma Color Eye PaletteItem #1603299$65.00$ ($300 value) free shipping

What it is:
A luxe makeup palette that is all about eyes.

What it does:
With 54 eye shadows, 12 eye pencils, and a double-ended eye shadow brush, this astounding palette allows you to create an endless number of eye looks. Experiment and play with a wide variety of colors, from must-have nudes to intense smoky shades and more vibrant tones in a variety of finishes. Let your imagination be your guide. The skys the limit!

This Set Contains:
- 12 x 0.039 oz Full-size Eye pencils
- 54 x 0.031 oz Eye shadows
- A Double-ended Eye shadow brush
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To file or not to file? Homeowner's insurance claim..
Added on : Saturday August 23rd 2014 11:00:33 PM
g: 0 Posted By: featherz
Views: 36 Replies: 0 Just had our well pump go out - so no water (fun fun). We called out a bunch of guys to look at it and clueless (sorry honey!) hubby picked a really pricey guy when I was off at work. The price to fix the pump NOW was most likely jacked up as he told my DH that it was a lightning strike and that it would be covered by homeowner's insurance. DH thought 'woohoo, free!'. Pump was replaced, cost about 1K too much, but that's water under the bridge. Background - this is possibly a 40 year old well pump, almost 300 foot deep, galvanized pipe that was also replaced during the fix.

When examining the pump, it looks like the contractor may have been correct - there are small burned holes on either side of the pump. We have had lots of lightning lately and even a storm the day of the pump going out. I don't see any obvious strike, but not sure that matters.

Hubby wants to file a HO claim to pay the bill - after deductible, this would be a $2600 claim. We pay about $900/year in insurance and have a $243 'claims free' discount.

What think the FW community? We've already paid for it - and I'm not sure the insurance will allow this charge since it's already been repaired and they had no chance to come out first (we had no water so it was a rush job). They may disallow all or part of the claim for the age of the pump and/or replacing the galvanized pipe (not technically necessary to restore water).

I say it's not worth the claim and we just have to suck it up.. but if I am wrong, we could get part of this pricey fix back so I figured it was worth a check.
Real Estate Deals
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
Lenovo Y50-Y70 Touch UHD 4k and 4 year OFFICE365 $1283 with EDU account
Added on : Saturday August 23rd 2014 02:00:08 PM
g: 0 Posted By: NJStealth
Views: 216 Replies: 0 I went to the Microsoft Store today and purchased the Lenovo Y50-Y70 UHD 4k touch for 1283=tax..I live in DE so there is no Tax.This normally sells for 1499.99+tax .. I told them I had an EDU account which I do but they didn't even ask me for any proof of this.. They deducted 150 dollars for having an EDU account then they told me if I get office 365 I would get an additionl 70 dollars off... I couldn't refuse.. This office is good for 4 years... Of course this is YMMV but this is a great laptop you cant even order this from Lenovo with a touch screen they only have UHD 4k with no touch.

Laptop Is an I7 16GB RAM 256 SSD and Video card GTX Geforce 860m 2GB
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car dealership credit report/requiring SS# in IRS Form 8300
Added on : Saturday August 23rd 2014 01:00:25 PM
g: 0 Posted By: juggle
Views: 116 Replies: 2 I am clear with car dealer that I'm paying cash. Their efforts to get me to fill out their credit app are rejected. They press that it's needed for their DMV info sharing. I give in & fill out my name, address,& DL#. Later when I'm pressed to sign that long form, I sign, but right above that- in a blank part- I write that the form isn't to be used for any credit chks. Later, I see my sales guy showing & flailing the form at his boss in frustration about dealing with me. Ha ha! Somewhere in there were comments about their need to know who they're dealing with. Again- I'm not applying for financing, but you have my ID anyway. Well, he says they can be fake. Yeah the cops are up & down the street all the time for fraud problems. They insist I'll have to fill out IRS Form 8300, Report of Cash Payments over $10k.I'll be back the next day & say I'll take the form now. He gives itto me.Today I had to call to reschedule the appt. for Mona.m. & the asst mgr makes a comment that I'llhave to provide my SS# with that form. --I don't know that it's necessary for them to have my SS#. Does anyone know if I truly do need to fillit out? Don't remember filling it out for my last car.Thoughts?
Discussion Deals
g: 0 Posted By: MrVietnam
Views: 1027 Replies: 7 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
Get $1 +UP Reward wyb 2 (Limit 4)
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$1/1 Riesen Product, exp. 11/1/14 (SS 07/27/14 R)
As low as (2) FREE after coupons and +UP Reward!

Covergirl eye, lip, nail BOG50%
$2 UP wyb 2 L2
single eye shadow is 3.39
2 = 5.08
-$3/2 mq P&G
=2.08 oop get $2 UP
plus tracking for EE

Paper Mate pens 49c
use 50c mq SS 8/17
=free

Nestle Girl Scout Candy Bars, 2/$1
$0.50/2 Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, exp. 9/15/14 (SS 07/13/14)
$1/4 Nestle Girl Scout Candy Bar (Rite AidVideo Values, August 2014)
(4) FREE after stacked coupons!

Buy (2) Nexxus Therappe Shampoo, $5.99 ($8.99) BOGO50%
Get (2) $3 +UP Reward (Limit 5!)
Use (2) $3/1 Nexxus Hair Care Item printable
Use (2) $3/1 Nexxus Hair Care Product (Rite Aid Video Values, August 2014)
$9.01 MM (wyb 2)
In Store Promos Deals
g: 0 Posted By: MrVietnam
Views: 994 Replies: 7 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
Get $1 +UP Reward wyb 2 (Limit 4)
$1/1 Werther's Original printable
$1/1 Werther's Original Sugar Free Candy printable
$0.75/1 Werther's Original Baking Caramels printable
$1/1 Riesen Product, exp. 11/1/14 (SS 07/27/14 R)
As low as (2) FREE after coupons and +UP Reward!

Covergirl eye, lip, nail BOG50%
$2 UP wyb 2 L2
single eye shadow is 3.39
2 = 5.08
-$3/2 mq P&G
=2.08 oop get $2 UP
plus tracking for EE

PaperMate pens 49c
use 50c mq SS 8/17
=free

Nestle Girl Scout Candy Bars, 2/$1
$0.50/2 Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, exp. 9/15/14 (SS 07/13/14)
$1/4 Nestle Girl Scout Candy Bar (Rite AidVideo Values, August 2014)
(4) FREE after stacked coupons!

Buy (2) Nexxus Therappe Shampoo, $5.99 ($8.99) BOGO50%
Get (2) $3 +UP Reward (Limit 5!)
Use (2) $3/1 Nexxus Hair Care Item printable
Use (2) $3/1 Nexxus Hair Care Product (Rite Aid Video Values, August 2014)
$9.01 MM (wyb 2)
In Store Promos Deals
LG 70LB7100 TV $1499 Microcenter In Store Only - BB Price Match (YMMV)
Added on : Saturday August 23rd 2014 08:01:45 AM
g: 0 Posted By: jross424
Views: 208 Replies: 0 Just purchased the LG 70LB7100 70 LED HDTV - I have been looking at this for a while, best previous legit price was $2099 from beach camera. Microcenter has it in store only in Northern Virginia store (no shipping) for a scalding $1499! I live in PA, not VA, but travel to the region frequently and was able to get Best Buy to match price and provide free delivery - had to bring the in-store flyer to a nearby Best Buy and get the price match. Just a phenomenal deal; even better when you use a BB credit card and get 10% back ($150) in BB reward points.

The LG LB7100 series is a very well regarded HDTV with direct LED lighting, WebOS, and many more features. At this price it is an absolute steal.

Note that BB policy may prevent price match with delivery to a remote location (hence the YMMV), but I had no problems.
TV Deals
g: 0 Posted By: kmsandrbs
Views: 131 Replies: 0 Microsoft Office 365 University

Through Microsoft Store (go on, buy through the FW link!)

Higher education students, faculty, or staff get a 4-year subscription including Word, Excel, PowerPoint, Outlook, Access, One Note, and Publisher, OneDrive cloud storage, and Skype PC-to-phone world calling for 2 devices, including PCs, Macs, iPads, or Windows tablets.

Application availability and features vary by platform and device. Publisher and Access available on PC only. OneNote for Mac is available as a separate download from the Mac App Store. Current Office application versions for Office 365 are Office 2013 for Windows and Office 2011 for Mac. Customers with an active subscription will be entitled to the newest versions when available. Windows 7, 8, or 8.1, Mac OS 10.6 or later, and Internet connection required.

$25 giftcard for the Microsoft Store
Offer Valid August 18, 2014 until September 21, 2014, or while supplies last. Available in select Microsoft retail and online stores in US (including Puerto Rico) and Canada. Valid with purchase of select first party Microsoft software. Some exclusions apply, including Office 365 Home and Personal monthly subscriptions, Office Language Packs. Microsoft store promotional gift card/code redeemable for future purchase, single use only. Customers will receive a promotional gift card/code either upon pick-up of the item in store, or at the email address associated with purchase within 10 days of purchase/shipping. Gift code funds can only be used for purchases at Microsoft stores. Microsoft store gift card terms apply. Not valid on prior orders or purchases; cannot be transferred or otherwise redeemed for cash or gift cards. Not combinable with other offers. Price discount does not include taxes, shipping or other fees. Void where prohibited or restricted by law. Microsoft reserves the right to modify or discontinue offers at any time. Limit 1 per customer.

The code for my giftcard was in the email receipt I received. (Home and Personal are Excluded, but University is NOT excluded.)

1 TB OneDrive storage
This is in addition to what you already have. I actually think that this is what makes the deal. 1 TB of online storage for four years can get pricey (though prices are coming down). Actually, I was surprised to find that Microsoft is offering 1 TB for $2.50/Month ($30/year) right now. So you can look at it as a $10/year discount for pre-paying for 4 years, plus you get Office 365 and a $25 GC. My extra 1 TB showed up immediately. It is extra (on top of what you already have). Note that there is verbiage on the page about sharing your subscription and others getting the 1 TB - but that is for the Home version ($99 for one year, five licenses, no GC).


I get that some people are happy enough with Google Docs or OfficeOnline for free. Fine. But some want (or need) the full versions of Microsoft Office products.


Program eligibility requirements
This Program is available only to individuals who meet the criteria described below (the "Eligible Students"):

Individual must be either a full- and part-time enrolled student, or a faculty / staff member of a qualified, accredited higher education institution. Alumni of these institutions arent eligible. Qualified, accredited higher education institutions include Universities, Polytechnic schools, and Institutes of Technology, as well as other post-secondary level institutions, such as colleges and vocational schools that award academic degrees or professional certifications. Restrictions may vary by country.
Individual must successfully verify their eligibility status through the Offer Sites online academic verification process; and
Individual must have a Microsoft account or create one at the time of purchase.

I was sent a verification email which I had to copy and open a link during the transaction process. No, I have no idea if fake edu addresses or alumni addresses will work, but they are clearly against the terms of the agreement. Do note that while it talks about students, faculty and staff are eligible as well.

Subscription may be renewed only once.
Software Deals

Microsoft Store Coupons
g: 0 Posted By: MrVietnam
Views: 963 Replies: 6 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
Get $1 +UP Reward wyb 2 (Limit 4)
$1/1 Werther's Original printable
$1/1 Werther's Original Sugar Free Candy printable
$0.75/1 Werther's Original Baking Caramels printable
$1/1 Riesen Product, exp. 11/1/14 (SS 07/27/14 R)
As low as (2) FREE after coupons and +UP Reward!

Covergirl eye, lip, nail BOG50%
$2 UP wyb 2 L2
single eye shadow is 3.39
2 = 5.08
-$3/2 mq P&G
=2.08 oop get $2 UP
plus tracking for EE

PaperMate pens 49c
use 50c mq SS 8/17
=free

Nestle Girl Scout Candy Bars, 2/$1
$0.50/2 Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, exp. 9/15/14 (SS 07/13/14)
$1/4 Nestle Girl Scout Candy Bar (Rite AidVideo Values, August 2014)
(4) FREE after stacked coupons!

Buy (2) Nexxus Therappe Shampoo, $5.99 ($8.99)
Get (2) $3 +UP Reward (Limit 5)
Use (2) $3/1 Nexxus Hair Care Item printable
Use $3/1 Nexxus Hair Care Product (Rite Aid Video Values, August 2014)
Better than FREE after stacked coupons and +UP Rewards!
In Store Promos Deals
Home window/door replacement
Added on : Saturday August 23rd 2014 01:00:35 AM
g: 0 Posted By: hdpq
Views: 1 Replies: 0 I searched FWF and don't (can't!) believe this topic hasn't been discussed yet. If it has, please point me to the discussion and close this thread.

We purchased a home built in 1965 and some of the windows are original to the home. To put it bluntly, the windows are not completely drafty or in need of immediate replacement, but I'm sure they're costing me money since heat is escaping from them with our cold winters. We're looking to replace about 6-7 windows and have begun talking to various companies. We've already had one person come out to quote and measure and he informed us that since the home was built in 1965, the home most likely does have lead based paint (assumption based on visual inspection of peeling based on 25 years of experience in the business) and we'll have to remove the windows using a protective sheath to reduce the amount of dust in the home.

We're also looking to replace our front door as well as the framing around it allows in a massive amount of cold air (likewise, I'm sure cold air escapes it in the summer when we are running the air).

We have Andersen, Pella, Home Depot, and a local company coming out to quote us in the next couple of weeks. Is there any suggestions/comments/thoughts to share about your experience?

AOC - 23.6" LED HD Monitor - Black $99.99 w/FS @ Best Buy
Added on : Friday August 22nd 2014 07:00:30 PM
g: 1 Posted By: ctgolfer
Views: 130 Replies: 0 Ultrafast 5 ms response time
Enables pixels to change colors rapidly to help prevent streaking, blurring and ghosting during intense action sequences in movies, video games and more.
23.6" widescreen flat-panel LED display
Provides an expansive viewing area and features a slim 2.1" depth that is ideal for wall mounting (with optional mounting kit, not included). VESA 100mm x 100mm compliant.
20,000,000:1 dynamic contrast ratio
Delivers a multitude of shades between black and white to promote lifelike color reproduction.
250 cd/m brightness
For a highly visible display and clear on-screen visuals.
1920 x 1080 maximum resolution in 16:9 format
Provides crisp images with rich, vivid detail.
170 horizontal and 160 vertical viewing angles
Let you clearly see the screen from multiple vantage points.
HDMI with HDCP and VGA inputs
Allow simple connection to a wide range of devices.
On-screen image controls
Enable easy adjustments.
Antiglare coating
For clear viewing in bright lighting.
Tilting design
Helps you easily find a comfortable viewing angle. Slim bezel offers a sleek appearance.
PC and Mac compatible
For use at home or in the office.
ENERGY STAR certified
Designed to use less energy and meets strict energy efficiency guidelines set by the Environmental Protection Agency and U.S. Department of Energy.

www.bestbuy.com/site/aoc-23-6-led-hd-monitor-black/5704037.p?id=...
Monitors Deals

Best Buy Coupons
g: 0 Posted By: vsaggu
Views: 5 Replies: 0 Just want to share my bad experience with AMEX SPG card bonus offer experience. I applied for 10,000 SPG bonus points offer AMEX card and immediately approved. I never received my bonus points then I called the customer service to find out why then got the reply saying I was having similar card in 2007 so I am not eligible for bonus offer. May'2014 onwards AME introduced this new rule like if youever had the same card product you will not eligible for the bonus offer.

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.
Discussion Deals
Big lots 60 inch cherry media fireplace 499.99 Special buy
Added on : Thursday August 21st 2014 04:00:03 PM
g: 0 Posted By: wimedtypr
Views: 189 Replies: 1 I am posting this because I think it's such a great deal. This deal had been going on for awhile. No expiration date so far. I bought this and it's such a nice piece of furniture. No cheap compressed wood. It's heavy duty, glossy, heat and no heat to the fireplace. I have my 52 inch flat screen on there. Also a shelf for cable box, modem etc and doors with more storage. Remote control fireplace. I get so many compliments and so surprised by where and price I paid. The ones at the 4 furniture stores I went to to were 1000 to 2500. This is a steal. Again high quality. Assembly required. In store. http://www.biglots.com/p/60in-cherry-media-fireplace
Furniture Deals
20% off $50, 25% off $100, 30% off $150 @ ThinkGeek
Added on : Thursday August 21st 2014 01:00:02 PM
g: 0 Posted By: Virgil27
Views: 180 Replies: 0 20% off $50, 25% off $100, 30% off $150 @ ThinkGeek

ThinkGeek has 20% off $50, 25% off $100 or 30% off $150 code for ELDRITCH.Some picks include:

Dresden Files Skin Game Autograph Edition - $27.95

Ms. Marvel Ladies Top - 19.99

Spider-Man Windshield Sunshade- $19.99

Toys & Hobby Deals

ThinkGeek Coupons
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.
Question Deals
g: 0 Posted By: billrubin
Views: 18 Replies: 0 I recently had my Capital One debit card hacked and there were around a dozen withdrawals made from a total of 3 ATM's over the period of 3 days, for around $2k, I believe all of them were in the UK. When I called Capital One and asked how they allowed these to go thru when I had not told them I was traveling (as I always do), they told me that because they were PIN based they allowed them. Shouldn't someone in their security department have noticed these and tried to contact me? I only noticed it because they got downloaded into Quicken, but sadly not until they had ended. Am I expecting too much???

It took about a week but I got a provisional credit and I trust they will make it final since I didn't use it. I have no idea how they got the PIN, maybe I was skimmed at one point a while ago. I rarely use this card, only when I'm traveling, which is not that often, and haven't been to Europe since last summer.

I did call another bank I have a checking account with to see if they could put a block on all overseas withdrawals and they were able to. I wouldn't have thought that I would need to, but I guess better safe than sorry.
Discussion Deals
g: 0 Posted By: Gauss44
Views: 125 Replies: 4 I'm about ready to go back to school to do some post bacc work before applying to graduate school. Last time I was enrolled as an undergraduate student I had a lousy experience where half way through the semester, I was told (by my financial aid adviser from my college's financial aid office) that a mistake was made (the financial aid adviser goofed and overlooked something) and I was NOT eligible for over $10k that was promised to me before the semester began.

Even though the mistake wasn't on my end, I did everything I could think of to catch problems like this. It happened even though I read every piece of mail and every message that was sent to me regarding financial assistance, and even though I did substantial research about the process in my own time. (My school also has a policy where you are ONLY allowed to meet with YOUR assigned financial aid adviser, so you cannot get second opinions there.) Hopefully this was a one-time rare incident, but I definitely cannot afford to have that happen again.

I just want to know what ways there are to protect oneself from this sort if issue?

Question Deals
IZOD Chad Men's Oxford Shoes - $23.60 w/ Free Shipping @ 6PM
Added on : Thursday August 21st 2014 08:00:05 AM
g: 0 Posted By: Savvymommy03
Views: 207 Replies: 0 6pm has theIZOD Chad Men's Oxford Shoeson sale for $23.60 w/ free shipping. Comes in a Wheat Color and available in sizes 7.5-11.5.

Maintain a tailored and polished look in the Chad oxfords.
Faux suede upper features classic punch hole detailing a a lace-up front.
Smooth man-made lining and lightly padded footbed.
Durable rubber outsole.
Imported

Shoes Deals

6PM Coupons
FATCA implementation in Cyprus - it's in effect here now it appears
Added on : Thursday August 21st 2014 03:00:09 AM
g: 0 Posted By: GotRocks
Views: 48 Replies: 1 I've had a bank account in Cyprus, where I now live, since 2008. I moved here permanently in 2011. Opening the account was simple and they even used my US address until I had one in Cyprus. I only had to provide my passport to open the account. I've complied with FBAR since I opened the account.

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

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

It doesn't seem that this bank is actively soliciting getting Americans' SS numbers as FATCA has been in effect since 14 July (I believe). I think that they are just updating the info when the American customer comes into the bank for something. I expect they'll get around to hunting the rest of us down in the next few months. Not that many Americans in Cyprus.
General Economics Deals
BBVA Compass $150 Checking bonus
Added on : Wednesday August 20th 2014 03:00:08 PM
g: 0 Posted By: INoobieYou
Views: 5 Replies: 0
First open up your BBVA Compass ClearChoice Checking account.
Then, within two calendar months, add a BBVA Compass savings or Money Market account, if you don't already have one.
Have one or more electronic deposits totaling $1,000 in a calendar month from an unrelated third party post to the checking account.
Then, we'll deposit $10 each of the first 12 months you have the account open and meet the stipulations. Plus, an additional $30 bonus after meeting the monthly bonus requirements for 12 consecutive months.
AL, AZ, CA, CO, FL, TX ,NM


Offer is valid only for consumers who have not had a BBVA Compass consumer checking account within the last 90 days. Offer valid for BBVA Compass ClearChoice consumer checking accounts opened from July 14, 2014 through September 30, 2014. ClearConnect Checking, NBA Checking, Bama Checking and Dynamo Checking accounts are not eligible for this offer. Checking and savings accounts subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. For each calendar month that you meet the bonus requirements set forth above, you will receive a $10 bonus (the "Monthly Bonus"). You can receive the Monthly Bonus for a maximum of twelve (12) consecutive months. The maximum cumulative amount of the Monthly Bonus is $120. Bonus requirements must be met in consecutive months in order to continue receiving the Monthly Bonus. The Monthly Bonus will be deposited into your most recently opened BBVA Compass consumer savings or money market account. Your savings or money market account must be open and in good standing at the time the bonus is paid. If you receive the Monthly Bonus for 12 consecutive months (totaling $120), you will also receive an additional bonus of $30 deposited into your most recently opened BBVA Compass consumer savings or money market account (the "Additional Bonus" and together with the Monthly Bonus, the "Bonus"). Bonus payments will be deposited on last business day of each month, based on whether bonus requirements were met in the immediately preceding month. The Additional Bonus will be deposited into your savings or money market account within 60 days of meeting the necessary bonus requirements. Your savings or money market account must be open and in good standing at the time the bonus is paid. BBVA Compass employees and household members are not eligible. Bonuses will be paid on only one checking account per household. BBVA Compass may report the value of the bonuses to the IRS as required by law. Other limitations may apply. BBVA Compass is a trade name of Compass Bank, Member FDIC.


BBVA Compass
Anyone else have issues with Bank of America?
Added on : Wednesday August 20th 2014 10:00:11 AM
g: 0 Posted By: timgodsil
Views: 113 Replies: 8 When I opened a checking account with Citi, I emptied my account at Bank of America. However when I typed the amount, I was off 3 cents, and was charged an overdraft fee.

Ok, my fault, I made a mistake, and take the blame.

So I called and they withdrew the fee, kept going on and on about how "valued of a customer I was", and such.

So I transferred money back out of Citi to BOA. A couple days later, my account became positive, then less than 2 hours later, became withdrawn over 25 dollars, an "extended overdraft fee" was charged.

Even though I made the account positive, they state since it was overdrawn so long, the positive balance "did not matter" as their fee is based on time, not balances.

My "valued relationship" ran short, as they said they won't refund the fee.

To make matters worse, I don't get paid for another week, and they said if I don't pay this within another 5 days, they will ding me again. I usually don't live paycheck to paycheck, but I had a lot of bills come up this month, more than usual.

Here is the screen cap I took.

http://i61.tinypic.com/2nl7hpv.png




Deposits Deals
g: 0 Posted By: ctgolfer
Views: 213 Replies: 0 Update your bath or powder room decor with the Hampton Bay Architecture 3-Light Vanity Light. This transitional style fixture is presented with etched white glass shades. The brushed nickel finish will complement many decor styles.
Durable steel construction for long lasting beauty
Uses three 100 watt medium base bulbs (sold separately)
Compatible with standard wall dimmer
Can be installed with lights pointed up or down
Includes assembly and install parts
ETL listed for damp locations

www.homedepot.com/p/Hampton-Bay-Architecture-3-Light-Brushed-Nic...
Home & Garden Deals

Home Depot Coupons
Adesso Swivel Black 71.5 in. Floor Lamp $17.99 @ Home Depot
Added on : Wednesday August 20th 2014 12:00:04 AM
g: 0 Posted By: ctgolfer
Views: 227 Replies: 0 The simple yet practical Swivel Floor Lamp provides movable light in the form of a touchier. The acrylic shade can be adjusted vertically and horizontally. It's the perfect affordable accent piece, great for any room in your home. 71.5 In. Height.
This practical and stylish floor lamp is also available in satin steel
Black finish
Uses (1) 100 watt bulb or CFL equivalent (bulbs not included)
Light can be adjusted horizontally and vertically
Assembled dimensions: 12 In. W x 71.5 In. H

www.homedepot.com/p/Adesso-Swivel-Black-71-5-in-Floor-Lamp-3677-...
Appliance Deals

Home Depot Coupons
Adesso Swivel Black 71.5 in. Floor Lamp $29.99 @ Home Depot
Added on : Tuesday August 19th 2014 11:00:01 PM
g: 0 Posted By: ctgolfer
Views: 58 Replies: 0 The simple yet practical Swivel Floor Lamp provides movable light in the form of a touchier. The acrylic shade can be adjusted vertically and horizontally. It's the perfect affordable accent piece, great for any room in your home. 71.5 In. Height.
This practical and stylish floor lamp is also available in satin steel
Black finish
Uses (1) 100 watt bulb or CFL equivalent (bulbs not included)
Light can be adjusted horizontally and vertically
Assembled dimensions: 12 In. W x 71.5 In. H

www.homedepot.com/p/Adesso-Swivel-Black-71-5-in-Floor-Lamp-3677-...
Appliance Deals

Home Depot Coupons
g: 0 Posted By: flyhighutah
Views: 127 Replies: 0 I have sold my iPhone 4 and got LG L70 but I still had the dock collecting dust until I found this. This is really cool adapter which converted my iPhone dock into universal. Thought to share might help other fellow FWers.
eBay
LINK
Electronics Deals

eBay Coupons
Brother HL-2270DW $74.99 on Amazon right now!
Added on : Tuesday August 19th 2014 01:00:03 PM
g: 2 Posted By: catbertsf
Views: 280 Replies: 3 A low cost, compact wireless laser printer. Never had trouble with it and the OEM replacement toners can be had at a very low prices.

Not the lowest price seen but pretty good if you are looking for a good mono-laser workhorse!
http://www.amazon.com/Brother-HL-2270DW-Compact-Wireless-Networking/dp/B00450DVDY

laser printers Deals

Amazon Coupons
Who pays for bee hive removal
Added on : Tuesday August 19th 2014 10:00:07 AM
g: 1 Posted By: cougarman
Views: 302 Replies: 9 My neighbor has a large tree in there yard with a bunch of branches over my property line. A few days ago we noticed an increased number of wasps on the property. Well turned out that tree had 2 wasps nests in it. I use my backyard frequently and have 2 dogs that also use it so it was a priority to have them taken care of. They came out today and sprayed the nests and charged me $267 and they will come back next week and remove one since the other is way to high. The neighboring house is a two family rental unit. So I am not certain who the owner even is, but im sure I can find out. When the pest guy come out he was telling me that the neighbor should be paying to have these nests removed since they are located in their tree. I'm not sure what any suggestions would be ideal.
Personal Finance Deals
RST Outdoor Cannes Collection Patio Furniture ~50% Off
Added on : Tuesday August 19th 2014 10:00:02 AM
g: 0 Posted By: green14
Views: 147 Replies: 0 RSTOutdoor.com is having the best deal they've had all year right now on their new Cannes collection furniture with grey wicker. The Cannes collection is on sale, plus use code CANNES14 for an extra 30% off the sale price. I don't know when this code will expire as it hasn't been advertised in about 3 weeks, but it still works as of this post and the current sale prices are the cheapest they've been since I've been watching them (a few months). Shipping is free too! There are 4 color options: Cantina Red, Tikka Orange, Bliss Blue and Slate Beige. Tikka is Sunbrella fabric, Bliss and Slate are Sunsharp fabric (also made by the makers of Sunbrella), and Cantina is olefin fabric.

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

http://www.rstoutdoor.com/collection-cannes-blue
Furniture Deals

RST Outdoor Coupons
Did not pay estimated taxes - now what?
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: LagerChamp
Views: 0 Replies: 0 I made a little "too much" money last year, because I still had employment income and also started a business that was profitable in 2013. So in April 2014, TurboTax printed 4 estimated tax coupons for me, with the first one being due, I believe, in April and the second one 3 months after that. It is now end of August, and I still haven't mailed any of those vouchers, for several of reasons, some of which are: 1) I quit my regular job and am now living off the income from the business, so there is no more W2 income (i.e. the estimate amount is way off);2) My business income is down from last year (although still profitable); 3) I was short on cash due to additional loans taken to invest in the business.

In the end, I'm pretty sure that I still owe estimated taxes, because my business did make money, and I still haven't paid a dime in taxes for 2014. I have two questions:

1. What will be the consequences if I continue to sit on my ass until April 2015 and pay all the taxes then? Interest, fines, and/or jail?
2. If I do decide to pay everything I owe up until now, which vouchers do I mail right now? The April one? Just the second one with combined amounts from vouchers 1 and 2? Will there still be penalties if I pay everything now? Can I take the liberty of adjusting the amounts or does it have to be whatever TurboTax printed on the vouchers?
g: 3 Posted By: MIGHTYMACHONE
Views: 180 Replies: 0 Fifty Shades of Grey (Fifty Shades Trilogy #1) only 10.22 regularly 15.95at Barnes and Noble ....... great deal for you ladies out there....


http://www.barnesandnoble.com/w/fifty-shades-of-grey-e-l-james/1...
Books Deals
g: 0 Posted By: m2go
Views: 242 Replies: 1 I bought a camera recently to take on a trip (Canon refurb S100, recently found on FW ) and it died -- probably a long term effect of getting splashed by the blow back from a water fallI was taking a picture of...

Anyway, I'm looking at the AMEX Purchase Protection plan and since PP insurance is secondary, they want all details for my homeowners/renter's insurance, incl. policy, adjuster/agent name & phone number etc., if I have one.

Knowing that a friend of mine once called his homeowner's insurance about a stolen camera (no, it was not covered; yes, it was a claim; yes, his insurance supposedly went up), I am a bit hesitant about submitting a claim (I once got $300for my parked car getting hit, and then had that claim push me into the next rating tier for an aggregate $3000 over 3 years).

So, I wonder...can anybody share their experiences here... all I can read is that PP claims generally went smoothly. Did all those folks not have insurance? Not worry? Not gotten their next policy renewal for their primary insurance showing an increased premium?

I'm tempted to call my insurance and ask - but I have read that even that question gets written up as a claim...

So, inquiring minds want to know.... to file AMEX PP with primary insurance details, or not, and what to expect?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
Discussion Deals
g: 0 Posted By: m2go
Views: 88 Replies: 0 I bought a camera recently to take on a trip (Canon refurb S100, recently found on FW ) and it died -- probably a long term effect of getting splashed by the blow back from a water fallI was taking a picture of...

Anyway, I'm looking at the AMEX Purchase Protection plan and since PP insurance is secondary, they want all details for my homeowners/renter's insurance, incl. policy, adjuster/agent name & phone number etc., if I have one.

Knowing that a friend of mine once called his homeowner's insurance about a stolen camera (no, it was not covered; yes, it was a claim; yes, his insurance supposedly went up), I am a bit hesitant about submitting a claim (I once got $300for my parked car getting hit, and then had that claim push me into the next rating tier for an aggregate $3000 over 3 years).

So, I wonder...can anybody share their experiences here... all I can read is that PP claims generally went smoothly. Did all those folks not have insurance? Not worry? Not gotten their next policy renewal for their primary insurance showing an increased premium?

I'm tempted to call my insurance and ask - but I have read that even that question gets written up as a claim...

So, inquiring minds want to know.... to file AMEX PP with primary insurance details, or not, and what to expect?

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

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

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

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


Computers Deals

Staples Coupons
Had my first Lending Club default: painful
Added on : Monday August 18th 2014 04:00:08 PM
g: 0 Posted By: urtpiz
Views: 11 Replies: 0 For a whole three months I was cruising at a +20% annualized clip, then plummeted to 16% because of one single deadbeat who couldn't pay his $300/month bill and within one month filed for bankruptcy instead of looking for a job. Starting to rethink my master plan of regular new monthly investments. I understand the risks, but its painful the first time it happens. With 70 notes purchased and only one default, that's a big drop.

No disrespect to those in legitimate financial dire straits.
g: 6 Posted By: TheDiggler
Views: 560 Replies: 2 Managed to capture the underlying URL of a Staples flash based web ad (see attached pic).
Here's the captured URL shortened (copy/paste into browser): goo.gl/JeXig0


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

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

YMMV

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

Staples Coupons
g: 0 Posted By: rbstern
Views: 227 Replies: 0 Regularly $99.99, on sale for $49.99. In stock in some stores, and free in-store pickup for online orders. My son has had this computer desk in His Room for three years. It's held up very well and is quite functional. I'm going to pick up another for a casual use computer in our basement.

http://www.officedepot.com/a/products/803967/Zillope-II-Computer-Desk-56-14/;jsessionid=0000a4Q6a0LQuv969hPOCWG8uT_:17h4h78ta

Also, Office Depot has a $10 of $50 in store only coupon. Find a small filler to go with the desk and get the extra discount:

http://www.officedepot.com/fm/files/od/tiles/week_3414/od_coupon_dual_0817to0823_web.pdf?cm_sp=multi_category-_-instoreoffer-10off50-_-Header-Global-Ad1-Global&sid=enb-EmB_Ll1vzM9oKGC_5J_EumX&odserver=www.officedepot.com


Furniture Deals

Office Depot Coupons
g: 4 Posted By: TheDiggler
Views: 324 Replies: 2 Managed to capture the underlying URL of a Staples flash based web ad (see attached pic). Here's the captured URL shortened:
http://www.staples.com/sbd/cre/products/140309/34935/index.html?...

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

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

YMMV
Office & School Supplies Deals

Staples Coupons
3 Active tradelines needed for Jumbo Mortgage with Chase?
Added on : Monday August 18th 2014 12:00:09 PM
g: 0 Posted By: deeder
Views: 57 Replies: 2 I had perfect credit score and put 300,000 a year for income, and 800000 in assets and owned a home and a 500,000 down payment.

I only got approved for a 625,000 FNMA mortgage apparently with a mortgage representative they chose out of state when I did an online inquiry but when I emailed back he said he could do a jumbo mortgage for me as long as I had 3 active trendlines. Does that mean another account with Chase? Will call him back to see what he means.

I wish they chose a local broker. I should have gone to the branch instead as the broker was not even in state and wouldn't be familiar with NY State laws.


Question Deals
Closetmaid Shelftrack Kits closeout at Staples (YMMV)
Added on : Monday August 18th 2014 11:00:02 AM
g: 0 Posted By: 1goodshopper
Views: 81 Replies: 0 Found ClosetMaid Shelftrack Elite Home Office Kit and ClosetMaid Shelftrack Elite Bookshelf Kit on clearance at my local Staples.

The ClosetMaid Shelftrack Elite Home Office Kit had retail sticker of $249.99...got it for $19.50 Item Number 132546
and ClosetMaid Shelftrack Elite Bookshelf Kit had retail retail sticker of $199.99...got it for $15.50 Item Number 132547

Both seem to be well made for the price.

Good luck !!
http://www.staples.com/ClosetMaid-Shelftrack-Elite-Home-Office-K...
http://www.staples.com/ClosetMaid-Shelftrack-Elite-Bookshelf-Kit...
g: 6 Posted By: bbr
Views: 247 Replies: 6 I searched the forum and there are only a few threads on this and they don't look like they were active until conclusion. So this thread will hopefully show the entire process through conclusion. However, we are at the beginning of the process and probably months if not years away from the end. Any helpful insights would be appreciated.

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

What they are wanting purchase from us:

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

Where we are in the process:

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

What they will pay for:

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

What they might pay for:

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

What they won't pay for:

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

Negotiation Strategies:

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



If you have any experience with something like this, or if you have suggestions please chime in.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 90 Replies: 0 The Newly Developed 16.05-Megapixel Digital Live MOS Sensor and Venus: Engine Achieving High Speed, High Sensitivity Image Recording 4K 24p cinematic video (4096x2160), plus 4K 3840x2160 30p/24p:. The World's First Digital Single Lens Mirrorless (DSLM) Camera Recording High Quality Video in 4K - To Meet Professional Quality and Standard High Speed Response Required for Professionals and Practical AF Options: With the LUMIX G digital interchangeable lens capable of digital signal exchangeat max. 240 fps, the focusing is stunningly quick and smooth. Stunning Mobility Supported by Mechanical Advancements: The DMC-GH4 boasts newly developed high-precision, high-speed dual OLED (OrganicLight-Emitting Diode) displays for LVF (Live View Finder) and rear monitor. Increasing the resolution of display area to 2,359K-dot, the new 16:9 Wide Screen LVF boasts approx.1.34x / 0.67x magnification Easy Wireless Connectivity via Wi-Fi / NFC with Smartphones: The DMC-GH4 integrates Wi-Fi connectivity (IEEE 802.11 b/g/n) with NFC (Near Field Communication) technology camera to offer more flexible shooting experience and instant image sharing with easy operation Luminance Level Adjustment: the DMC-GH4 supports smooth postproduction for photographers newly challenging videography. In addition to the standard luminance level of 16-235* and 16-255*,DMC-GH4 offers 0-255 which is equivalent to photo standard. Focus Peaking: Focus Peaking function that shows the peak of focus in MF and AF+MF mode. Users can see the peaking of focus while monitoring the subject in live view. It can be set to HIGH / LOW / OFF and the color can also be changed to blue, white or orange Highlight/Shadow Control: The Live View function is also advanced digitally making it possible to adjust highlight / shadow separately with the front/rear dial. 3 patterns of settings can be customized in addition to 3 patterns of preset. RAW data development in Camera: The DMC-GH4 is capable of developing RAW image in camera.
www.ebay.com/itm/Panasonic-Lumix-DMC-GH4-Digital-Camera-Black-Wi...
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Ryobu One+ 18-Volt Lithium-Ion Combo Kit (3-Tool) $129 + Free shipping @ HomeDepot

http://www.homedepot.com/p/Ryobi-One-Plus-18-Volt-Lithium-Ion-Co...


PRODUCT OVERVIEW
Model # P899
Internet # 204011975

Ryobi 18-Volt ONE+ introduces lithium-ion performance at Ni-Cd prices. Available online only while supplies last, purchase this 3-Piece lithium-ion Combo Kit which includes a drill/driver, impact driver, circular saw, two lithium-ion batteries, and an IntelliPort dual chemistry charger. The drill includes a 1/2 in. heavy-duty single sleeve, keyless chuck with 24 position clutch to match your drilling and driving needs. The circular saw features the Exact Line laser which automatically activates for improved cutting accuracy. The impact driver features a Tri-Beam LED light system that eliminates shadows on work pieces. The bits are fast and easy to reload and the MagTray is perfect for holding bits and screws for many jobs.

California residents: seeProposition 65 information

Drill/Driver has a compact design that fits into small spaces, ideal for hard to reach areas
Drill/Driver has a LED light that illuminates work surfaces for increased visibility
Impact driver delivers 1,500 in. lbs. of torque for the most demanding applications
Impact driver features a 1/4 in. quick coupler for easy bit changes and also features auto-load chuck for fast, easy one-handed bit loading and ejecting
Impact driver features a Tri-beam LED provides optimum illumination and eliminates shadows on work surface
Circular saw features a 5-1/2 in. carbide tipped blade for extended blade life
Spindle lock with on-board wrench storage for quick and easy blade changes
Batteries are compatible with all RYOBI 18-volt one plus products
Compact lithium-ion battery compared to 18-volt Ni-Cd (P100): UP to 20% more runtime
Includes (2) P102 18-volt one plus compact lithium-ion batteries; also works with these batteries (P100, P102, P103, P104, P105, P107, P108) and chargers (P113, P114, P117, P131, P125)
Intelliport charger is conditioned for peak performance and will charge within one hour

Chase cheapest on NY jumbo mortgages?
Added on : Sunday August 17th 2014 02:00:12 PM
g: 0 Posted By: deeder
Views: 69 Replies: 0 If I do stay in the USA the home I want is 2 million. Was looking around for jumbo mortgages and thought some deals were cheaper like Investors Savings Bank but then noticed Chase had 4.0 with .88 points and a 4.07% APY and no other fees listed. It also gives 1% mortgage Cash Back with a checking account so that should be 15000 less over 30 years.

Am I correct to assume that Chase is the better bank to use for closing a mortgage? Know of an attorney who was happy with Chase for his mortgage awhile back while I know of others happy with Wells Fargo but Wells seems to have a higher rate.

So much competition on jumbos with large rate and fee variations.


Discussion Deals
Why is it so hard to get a credit card?
Added on : Sunday August 17th 2014 01:00:08 PM
g: 0 Posted By: timgodsil
Views: 113 Replies: 2 Comparing me and my mother..

My Mom:

1. Has over 10 credit cards.
2. Is in debt over 25 thousand dollars.
3. Does not have a job, has not had one for over 19 years, and barely makes enough of my dads pension to pay the minimum payments.

She has a Fico of....754, and constantly gets credit card offers from places like American Express for the "gold card", the Visa "black card", etc.

Me:

1. Has two credit cards, and has been making the more than the min payments for over a year. One card is paid off, since it was a store card, the other I pay in full every month.
2. Am an authorized user on a credit card with a $3k limit, $0 balance.
3. Have no collections, late payments, or any other negative information. (neither does my mom)

My Fico score is a whopping...594, and I can't even get a capital one card.


New User Question Deals
g: 1 Posted By: Ayla
Views: 45 Replies: 0 CHRISTINE FEEHAN'S Kindle Book: Dark Wolf (Dark Series Book 25) - $5.49 at Amazon


http://www.amazon.com/Dark-Wolf-Book-25-ebook/dp/B00DGZKJAW/ref=...


Print List Price: $7.99

Kindle Price: $5.49



From Christine Feeham's website:
~~~~~~~~~~~~~~~~~~~~~~~~~~~

WHERE DARK LYCAN ENDED, DARK WOLF BEGINS...

BOOK NUMBER 25 IN CHRISTINE FEEHAN'S ACCLAIMED CARPATHIAN SERIES

#1 New York Times bestselling author Christine Feehan now delivers her most eagerly awaited novel of all -- ten years in the making -- in the "the erotic, gripping series that has defined an entire genre" (J. R. Ward).

In Dark Lycan, Christine Feehan JourneyEd into the heart of the Carpathians, and into the souls of two lifemates stirred by the flush of passion and the threat of annihilation. In Dark Wolf, the breathtaking story continues as the bonds of family are imperiled, and the fate of two lovers lies hidden in the seductive shadows between life and death.

Skyler Daratrazanoff always recognized the miracle that was Dimitri Tirunul, a man beyond any dream that had ever engaged her nights. But she was human. Vulnerable. He was Carpathian. Nearly immortal. She was nineteen. He was an ancient. Yet she held half his soul, the light to his darkness. Without her, he would not survive. Caught between the two warring species, Dimitri has spent centuries hunting the undead to keep his people free, and humans safe. He had survived honorably when others had chosen to give up their souls. But now, marked for extermination by the Lycans, Dimitri found himself alone, and fearing for his life. But salvation was coming

No Lycan would ever suspect someone like Skyler to dare mount a secret rescue operation. A teenage girl. A human of untested abilities. But she had something no one else had. She was predestined for Dimitri -- as he was for her. And there was nothing stronger for Skyler than her desire to see her life-dream come true. Whatever the risk.

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

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

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

Included in OZ: The Complete Collection are:

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

Fourteen Complete Works

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

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

Beyond the Yellow Brick Road

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

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

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

Frankly, I would rather pay the $0.99 since I had fond memories of going to the library and checking out the paperback versions and really liking a few of the series. I hope this might help someone. Thank you for reading.
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way to undo a hard credit pull?
Added on : Sunday August 17th 2014 11:00:09 AM
g: 0 Posted By: morfys
Views: 123 Replies: 4 Hi,

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

So we had the following questions:

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

Thank you very much for any information.
Question Deals
g: 1 Posted By: JohnnyB4M
Views: 278 Replies: 0 I'm not seeing many deals out there on Iphones, and while I hate to buy them before the new one's come out, my teenagers have destroyed their's to the point I needed to upgrade them (In fairness, they're almost 3 years old).

If you're a heavy Target user, or have a large purchase you'd be willing to make at Target and need/want a new phone, it's a pretty good deal.

For each phone purchased, you'll receive a 20% off coupon to use at Target by 8/23. There's the standard exclusives to Apple, Bose, pharmaceuticals, etc.

This is also stackable with the redcard 5% discount, so you effectively get 25% off of your purchase. I used mine on a 32"Samsung TV purchase, original price $279, on sale everywhere (including Target) for $229, after coupon and redcard for $175. "Savings" didn't fully cover the $99 phone cost, but helped offset it (I had other items I purchased under the coupon as well).

You'll need to hurry.

Thanks
John
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g: -1 Posted By: MrsF
Views: 156 Replies: 2 Unbroken: A World War II Story of Survival, Resilience, and Redemption - [Kindle Edition] -Laura Hillenbrand(Author)

LINKY: Unbroken: A World War II Book


Price is $ $9.12

Regularly $16.00


From Laura Hillenbrand, the bestselling author ofSeabiscuit,comesUnbroken, the inspiring true story of a man who lived through a series of catastrophes almost too incredible to be believed. In evocative, immediate descriptions, Hillenbrand unfurls the story of Louie Zamperini--a juvenile delinquent-turned-Olympic runner-turned-Army hero. During a routine search mission over the Pacific, Louies plane crashed into the ocean, and what happened to him over the next three years of his life is a story that will keep you glued to the pages, eagerly awaiting the next turn in the story and fearing it at the same time. Youll cheer for the man who somehow maintained his selfhood and humanity despite the monumental degradations he suffered, and youll want to share this book with everyone you know.--Juliet Disparte -The Story ofUnbrokenby Laura Hillenbrand -Eight years ago, an old man told me a story that took my breath away. His name was Louie Zamperini, and from the day I first spoke to him, his almost incomprehensibly dramatic life was my obsession.It was a horse--the subject of my first book,Seabiscuit: An American Legend--who led me to Louie. As I researched the Depression-era racehorse, I kept coming across stories about Louie, a 1930s track star who endured an amazing odyssey in World War II. I knew only a little about him then, but I couldnt shake him from my mind. After I finishedSeabiscuit, I tracked Louie down, called him and asked about his life. For the next hour, he had me transfixed.Growing up in California in the 1920s, Louie was a hellraiser, stealing everything edible that he could carry, staging elaborate pranks, getting in fistfights, and bedeviling the local police. But as a teenager, he emerged as one of the greatest runners America had ever seen, competing at the 1936 Berlin Olympics, where he put on a sensational performance, crossed paths with Hitler, and stole a German flag right off the Reich Chancellery. He was preparing for the 1940 Olympics, and closing in on the fabled four-minute mile, when World War II began. Louie joined the Army Air Corps, becoming a bombardier. Stationed on Oahu, he survived harrowing combat, including an epic air battle that ended when his plane crash-landed, some six hundred holes in its fuselage and half the crew seriously wounded.On a May afternoon in 1943, Louie took off on a search mission for a lost plane. Somewhere over the Pacific, the engines on his bomber failed. The plane plummeted into the sea, leaving Louie and two other men stranded on a tiny raft. Drifting for weeks and thousands of miles, they endured starvation and desperate thirst, sharks that leapt aboard the raft, trying to drag them off, a machine-gun attack from a Japanese bomber, and a typhoon with waves some forty feet high. At last, they spotted an island. As they rowed toward it, unbeknownst to them, a Japanese military boat was lurking nearby. Louies journey had only just begun.That first conversation with Louie was a pivot point in my life. Fascinated by his experiences, and the mystery of how a man could overcome so much, I began a seven-year journey through his story. I found it in diaries, letters and unpublished memoirs; in the memories of his family and friends, fellow Olympians, former American airmen and Japanese veterans; in forgotten papers in archives as far-flung as Oslo and Canberra. Along the way, there were staggering surprises, and Louies unlikely, inspiring story came alive for me. It is a tale of daring, defiance, persistence, ingenuity, and the ferocious will of a man who refused to be broken.The culmination of my journey is my new book,Unbroken: A World War II Story of Survival, Resilience, and Redemption. I hope you are as spellbound by Louies life as I am.From Publishers WeeklyStarred Review. From the 1936 Olympics to WWII Japan's most brutal POW camps, Hillenbrand's heart-wrenching new book is thousands of miles and a world away from the racing circuit of her bestselling Seabiscuit. But it's just as much a page-turner, and its hero, Louie Zamperini, is just as loveable: a disciplined champion racer who ran in the Berlin Olympics, he's a wit, a prankster, and a reformed juvenile delinquent who put his thieving skills to good use in the POW camps, In other words, Louie is a total charmer, a lover of life--whose will to live is cruelly tested when he becomes an Army Air Corps bombardier in 1941. The young Italian-American from Torrance, Calif., was expected to be the first to run a four-minute mile. After an astonishing but losing race at the 1936 Olympics, Louie was hoping for gold in the 1940 games. But war ended those dreams forever. In May 1943 his B-24 crashed into the Pacific. After a record-breaking 47 days adrift on a shark-encircled life raft with his pal and pilot, Russell Allen "Phil" Phillips, they were captured by the Japanese. In the "theater of cruelty" that was the Japanese POW camp network, Louie landed in the cruelest theaters of all: Omori and Naoetsu, under the control of Corp. Mutsuhiro Watanabe, a pathologically brutal sadist (called the Bird by camp inmates) who never killed his victims outright--his pleasure came from their slow, unending torment. After one beating, as Watanabe left Louie's cell, Louie saw on his face a "soft languor.... It was an expression of sexual rapture." And Louie, with his defiant and unbreakable spirit, was Watanabe's victim of choice. By war's end, Louie was near death. When Naoetsu was liberated in mid-August 1945, a depleted Louie's only thought was "I'm free! I'm free! I'm free!" But as Hillenbrand shows, Louie was not yet free. Even as, returning stateside, he impulsively married the beautiful Cynthia Applewhite and tried to build a life, Louie remained in the Bird's clutches, haunted in his dreams, drinking to forget, and obsessed with vengeance. In one of several sections where Hillenbrand steps back for a larger view, she writes movingly of the thousands of postwar Pacific PTSD sufferers. With no help for their as yet unrecognized illness, Hillenbrand says, "there was no one right way to peace; each man had to find his own path...." The book's final section is the story of how, with Cynthia's help, Louie found his path. It is impossible to condense the rich, granular detail of Hillenbrand's narrative of the atrocities committed (one man was exhibited naked in a Tokyo zoo for the Japanese to "gawk at his filthy, sore-encrusted body") against American POWs in Japan, and the courage of Louie and his fellow POWs, who made attempts on Watanabe's life, committed sabotage, and risked their own lives to save others. Hillenbrand's triumph is that in telling Louie's story (he's now in his 90s), she tells the stories of thousands whose suffering has been mostly forgotten. She restores to our collective memory this tale of heroism, cruelty, life, death, joy, suffering, remorselessness, and redemption.
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g: 0 Posted By: st4rdust
Views: 123 Replies: 0 Amazon hasBeats Pro Lil Wayne Over-Ear Headphones(Red) on sale for$89.96with Free Super Saver Shipping. Temporarily out of stock, but may be ordered at this price for future delivery.

Note: You must choose Amazon as your seller to get this price.


I know that a lot of FW members are skeptical about Beats headphones. Some say that you end up paying for the brand name more than you do for the quality of the item. However, this was such a good price I had to post.

According to Google Products, the next lowest price for these online is $349.99.
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When the Soul Mends $9.33 @ www.walmart.com
Added on : Sunday August 17th 2014 12:00:07 AM
g: 1 Posted By: jaymanthegreat
Views: 155 Replies: 0 When the Soul Mends $9.33

Format:Paperback,=12px
354 pages
Publisher:Random House Inc
Publish Date:Sep 2008

Book Information:The following content was provided by the publisher.Returning to the home she fled in disgrace, will Hannah find healing for the wounds of the past?
After receiving a desperate and confusing call from her sister, Hannah Lapp reluctantly returns to the Old Order Amish community of her Pennsylvania childhood.
Having fled in disgrace more than two years earlier, she finally has settled into a satisfying role in the "Englischer" world. She also has found love and a new family with the wealthy Martin Palmer and the children she is helping him raise. But almost immediately after her arrival in Owl's Perch, the disapproval of those who ostracized her, including her headstrong father, reopens old wounds.
As Hannah is thrown together with former fiance Paul Waddell to work for her sister Sarah's mental health, hidden truths surface about events during Hannah's absence, and she faces an agonizing decision. Will she choose the "Englischer" world and the man who restored her hope, or will she heed the call to return to the Plain Life-and perhaps to her first love?
"When the Soul Mends" is the third and final book in the Sisters of the Quilt series.

Customer Review:
Nice book, Journey of Healing
I had the chance to read and review "When the Soul Mends" by Cindy Woodsmall. This is the third book in the "Sister of the Quilt" series. I have not read the first two books, but I intend to now after reading the third book. This Amish novel is about a twenty year old Amish girl who needs to find peace and healing to past events that had happened to her in the first two books. After giving birth to a child who dies, Hannah ends up leaving the Old order Amish world to find her aunt who became an Englisher. She then falls in love with Martin and together they take care of his niece and nephew (Kevin and Lissa) who were abandoned by their mother. Returning to her Amish homeland two years later, because of a tragic death, she learns her younger sister is having mental health problems and feels the need to help her. This books takes you through her journey of healing her broken heart and trust issues. Old feelings arise with her ex-fiance Paul and at the end of the book you will see if she decides to return to her Plain life, or if she makes a life with Martin and becomes a family with him, Kevin and Lissa. I enjoyed reading this book and the way Cindy Woodsmall write.
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g: 0 Posted By: ctgolfer
Views: 880 Replies: 0 Product Identifiers Brand Nikon Model D7000 MPN 25468 UPC 018208254682 Key Features Camera Type Digital SLR Sensor Resolution 16.2 MP Screen Size 3" Optical Sensor Sensor Size 15.6 x 23.6mm Sensor Type CMOS Lens System Lens For SD Body Only Focus Adjustment Autofocus & Manual Focus Exposure Max Shutter Speed 1/8000 sec Min Shutter Speed 30 sec Exposure compensation 5 EV range, in 1/2 or 1/3 EV steps Exposure Range EV 0-20 ( ISO 100 ) Exposure Metering 3D color matrix II, Center-Weighted, spot (2.4%) Exposure Modes Aperture-Priority, Automatic, Bulb, Manual, Program, Shutter-Priority, i-TTL Program Flash Light Sensitivity ISO 100-25600, ISO auto Light Sensitivity Max 25600 Camera Flash Flash Type Pop-up Flash Red Eye Reduction Yes Camera Flash Features AF Illuminator, Flash +/- Compensation, Wireless Off-Camera Control Flash Modes Rear Curtain Sync, Red-eye Reduction, Slow Synchro Memory / Storage Supported Flash Memory SD Card, SD Memory Card, SDHC Card, SDHC Memory Card, SDXC Card, SDXC Memory Card Viewfinder Viewfinder Type Optical, Optical (Through-the-lens) Optical Viewfinder Type Fixed eye-level pentaprism Viewfinder - Field Coverage 100% Viewfinder Magnification 0.94x Dioptric Correction Range -3 to +1 Dimensions Depth 3 in. Height 4.1 in. Width 5.2 in. Weight 24.3 Oz. Display Display Type LCD Display Rotation Built-in Screen Details LCD display - TFT active matrix - 3" - color Display Size 3" Microphone Microphone Type Microphone - built-in - mono Microphone Operation Mode Mono Connections Connector Types 1 x HDMI output, 1 x Hi-Speed USB, 1 x USB, 1 x composite video/audio output, 1 x remote control Expansion Slot 2 x SD Memory Card System Requirements for PC Connection Operating System Supported Apple Mac OS X 10.4.11, Apple Mac OS X 10.5.8, Apple Mac OS X 10.6.4, MS Windows 7, MS Windows Vista, MS Windows XP SP3 Battery Battery Form Factor Manufacturer specific File Format Digital Video Format H.264, MOV, MPEG-4, QuickTime Still Image Format DCF, DCF 2.0, DPOF, EXIF 2.3, JPEG, NEF (RAW), RAW + JPEG, Raw Image Resolution Max Video Resolution 1920 x 1080 Environmental Parameters Min Operating Temperature 0 C Max Operating Temperature 40 C Other Features Additional Features 1080p Full HD Movie Recording, AE/FE Lock, AF Lock, Active D-Lighting Technology, Anti-Dust Technology, Automatic Face Tracking, Brightness Control, Built-In GPS, Cropping An Image, DPOF Support, Date/Time Stamp, Depth-Of-Field Preview Button, Digital Image Rotation, Direct Print, Dust Delete Data System, Edit Function, Exif Print Support, Face Zoom, HDMI, Highlight Point Display, Histogram Display, Interchangeable Lenses, LCD Live View Mode, Moisture Resistant, Not Interchangeable Lenses, Orientation Detection, PictBridge Support, Red eye Fix, Resizing an Image, Scene Recognition System (SRS), Text Input To Exif Header, USB 2.0 Compatibility, With Tripod Mount Face Detection Yes Miscellaneous Shooting Programs Autumn color, Beach/snow, Blossom, Candle, Children, Close-up, Dawn/dusk, Food, High key, Landscape, Low key, Night landscape, Night portrait, Party/indoor, Pet, Portrait mode, Silhouette, Sports mode, Sunset Special Effects Color outline, Color sketch, Fisheye, Landscape, Miniature, Monochrome, Neutral, Portrait, Vivid White Balance Auto, Automatic, Cloudy (Preset), Custom, Daylight / Sunny (Preset), Flash (Preset), Fluorescent (Preset), Incandescent (Preset), Manual, Presets, Shade (Preset) Continuous Shooting Speed 6 frames per second Video Capture H.264 - 1280 x 720, H.264 - 1920 x 1080, H.264 - 640 x 424
www.ebay.com/itm/Nikon-D7000-16-2MP-DX-format-DSLR-Camera-Body-w...
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Homeowners insurance overpayment - best approach to resolve
Added on : Saturday August 16th 2014 12:00:05 PM
g: 0 Posted By: Nomoboro
Views: 52 Replies: 0 About three weeks ago we discovered that our escrow company has been paying our homeowners insurance from our escrow account (marked as Hazard Insurance on statement). Since we purchased the home in 2007, we've been paying homeowner's each month via automatic withdrawal from our checking account.

We've requested:

7 years worth of bank statements showing this checkingaccount had withdrawals- per MetLife to verify we made payments all this time.
7 years worth of escrow statements (we had some, others were either shredded or are in storage). ~~This was more difficult as our original mortgage was with Bank of New York in 2007. Sold to Countrywide in 2008, which turned to Bank of America in 2008.
7 years worth of MetLife statements - to show the withdrawal amounts were consistent with our homeowner premiums (we also had car insurance with and a separate withdrawal monthly).


We've contact MetLife and they were less than helpful. We called them first, yet we have not received any of the statements. We called the banks and escrow company a week after MetLife and we've received all their documentation.

We received the last statements today, and after a cursory glance, it appears the overpayment occurred for about 2.5 years. I haven't been able to verify why the change happened - it doesn't look to coordinate with any changed in mortgage (ie. being sold etc.). From my recollection, it also doesn't appear to coincide to our remortgage, but I have to get that paperwork out of the attic.

My thought was to call MetLife again, armed with all the facts and give them one chance to be cooperative. If that doesn't work, I was either going to lawyer up, contact State Attorney General, state insurance commission and anyone else I think of that might be beneficial.

I thinkwhat irks me the most is that suddenly at the end of 2013, MetLife stopped the second payment. So it appears the realized there was overpayment going on, yet no attempt was make to rectify the situation.

I recall receiving a letter saying it was going to combine our monthly withdrawal into one payment - I looked into my files and cannot locate that letter. We moved in January 2014, so things were a little hectic leading up to it.

In the meantime, we have bought a new home (still own the first home and have it rented). We were unhappy with MetLife and when we bought our new home in January 2014, we switched insurance companies. Sadly we are paying less for our two cars, new $2 million umbrella policy, new home and old home with Allstate, than we paid for two cars and our original home.

I'm seeking advice on what our approach should be moving forward. We did pay an additional $3/month for a payment that should not have been received. We also spent $150 getting copies of statements to verify when this started happening. At the very least I want the couple thousand dollars and change back.

Is there anything else we should ask for? I'm still pretty pissed at MetLife from an accident we had where the other driver admitted fault, was cited by the state police and their insurance company's adjuster stated I needed a new door - Met Life's adjuster said I didn't - so I didn't get a new door. That door still doesn't shut correctly. But I digress.....

Any thoughts greatly appreciated.
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Mortgage got sold to NationStar, but have no account number yet
Added on : Saturday August 16th 2014 08:00:11 AM
g: 0 Posted By: cpaynter
Views: 79 Replies: 3 I've been with Freedom Mortgage for a couple of years now, no problem. On July 30, I got a letter from Freedom, informing me that my mortgage had been sold to NationStar effective August 1, and that Freedom would no longer be accepting payments, and that I should expect communication from NationStar. I waited, but nothing ever came. I tried registering on NationStar's site, which seems to have an accomodation for such cases; you can register with your old mortgage account number. Tried that, no dice. Number not recognized. I called NationStar customer service, and they informed me that they were backed up, and hadn't assigned me an account number yet, and that I should wait for something to come in the mail. It's now August 16, and I still haven't seen anything. Technically, my mortgage payment is now one day overdue.

I could send payment to NationStar without an account number attached, but this strikes me as a bad idea. It could get cashed and applied to someone else's account, or to no one's account, and I could have a devil of a time getting my money back or applied to my mortgage.

OTOH, I'm concerned that *not* paying will put me in deadbeat status with NationStar. From what I gather of NationStar, they're sort of a bottom-of-the-barrel lender; lots of subprime accounts and questionable business practices. I'm reading stories that they're the kind of lender that will throw someone into foreclosure and screw them over, with no fault on the part of the mortgagee.

I've been assured that no late charges would be assessed and no negative items will be reported to CRA's within 60 days of the transfer. That's nice in theory, and I'm sure if they did charge me or report me, I could eventually prevail in court, but at what cost in $, time, and lost credit, if only temporary?

So, any advice on what to do?

Chris.
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Schwab Bank - best deal I could find
Added on : Saturday August 16th 2014 07:00:08 AM
g: 0 Posted By: deeder
Views: 42 Replies: 0 Looks like Schwab bank is the best bank I could find and the wire transfer fee from the brokerage side for international is only $25. I thought it couldn't do international wire transfers. Also ATM card will come with Chip and PIN I hear in the future.

So I guess I'll keep the Capital One and Schwab Bank combination. Brokerage checking accounts seem to offer a lot lower fees than their bank counterparts. Schwab's fees are really impressive. Only downside is rejection of mobile deposit. I had a large sum in the account then removed it and then applied for mobile deposit 2 times and got rejected.

I am hopeful Schwab will further integrate OptionsXPress. Also saw Merril Edge is a lot better deal than Bank of America checking but customer service is poor and only Bank Of America ATMs were included. With Schwab it works with ANY ATM and I have Capital One for the times I need a bank specific ATM.

So unless someone knows of a better wire transfer deal than $25 for international wire, I guess Schwab is really the best deal on fees. Need money to put in the account but Schwab seems best for international so Capital One and Schwab is my combination now.


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g: 0 Posted By: ctgolfer
Views: 177 Replies: 0 Product Identifiers Brand Nikon Model D7000 MPN 25468 UPC 018208254682 Key Features Camera Type Digital SLR Sensor Resolution 16.2 MP Screen Size 3" Optical Sensor Sensor Size 15.6 x 23.6mm Sensor Type CMOS Lens System Lens For SD Body Only Focus Adjustment Autofocus & Manual Focus Exposure Max Shutter Speed 1/8000 sec Min Shutter Speed 30 sec Exposure compensation 5 EV range, in 1/2 or 1/3 EV steps Exposure Range EV 0-20 ( ISO 100 ) Exposure Metering 3D color matrix II, Center-Weighted, spot (2.4%) Exposure Modes Aperture-Priority, Automatic, Bulb, Manual, Program, Shutter-Priority, i-TTL Program Flash Light Sensitivity ISO 100-25600, ISO auto Light Sensitivity Max 25600 Camera Flash Flash Type Pop-up Flash Red Eye Reduction Yes Camera Flash Features AF Illuminator, Flash +/- Compensation, Wireless Off-Camera Control Flash Modes Rear Curtain Sync, Red-eye Reduction, Slow Synchro Memory / Storage Supported Flash Memory SD Card, SD Memory Card, SDHC Card, SDHC Memory Card, SDXC Card, SDXC Memory Card Viewfinder Viewfinder Type Optical, Optical (Through-the-lens) Optical Viewfinder Type Fixed eye-level pentaprism Viewfinder - Field Coverage 100% Viewfinder Magnification 0.94x Dioptric Correction Range -3 to +1 Dimensions Depth 3 in. Height 4.1 in. Width 5.2 in. Weight 24.3 Oz. Display Display Type LCD Display Rotation Built-in Screen Details LCD display - TFT active matrix - 3" - color Display Size 3" Microphone Microphone Type Microphone - built-in - mono Microphone Operation Mode Mono Connections Connector Types 1 x HDMI output, 1 x Hi-Speed USB, 1 x USB, 1 x composite video/audio output, 1 x remote control Expansion Slot 2 x SD Memory Card System Requirements for PC Connection Operating System Supported Apple Mac OS X 10.4.11, Apple Mac OS X 10.5.8, Apple Mac OS X 10.6.4, MS Windows 7, MS Windows Vista, MS Windows XP SP3 Battery Battery Form Factor Manufacturer specific File Format Digital Video Format H.264, MOV, MPEG-4, QuickTime Still Image Format DCF, DCF 2.0, DPOF, EXIF 2.3, JPEG, NEF (RAW), RAW + JPEG, Raw Image Resolution Max Video Resolution 1920 x 1080 Environmental Parameters Min Operating Temperature 0 C Max Operating Temperature 40 C Other Features Additional Features 1080p Full HD Movie Recording, AE/FE Lock, AF Lock, Active D-Lighting Technology, Anti-Dust Technology, Automatic Face Tracking, Brightness Control, Built-In GPS, Cropping An Image, DPOF Support, Date/Time Stamp, Depth-Of-Field Preview Button, Digital Image Rotation, Direct Print, Dust Delete Data System, Edit Function, Exif Print Support, Face Zoom, HDMI, Highlight Point Display, Histogram Display, Interchangeable Lenses, LCD Live View Mode, Moisture Resistant, Not Interchangeable Lenses, Orientation Detection, PictBridge Support, Red eye Fix, Resizing an Image, Scene Recognition System (SRS), Text Input To Exif Header, USB 2.0 Compatibility, With Tripod Mount Face Detection Yes Miscellaneous Shooting Programs Autumn color, Beach/snow, Blossom, Candle, Children, Close-up, Dawn/dusk, Food, High key, Landscape, Low key, Night landscape, Night portrait, Party/indoor, Pet, Portrait mode, Silhouette, Sports mode, Sunset Special Effects Color outline, Color sketch, Fisheye, Landscape, Miniature, Monochrome, Neutral, Portrait, Vivid White Balance Auto, Automatic, Cloudy (Preset), Custom, Daylight / Sunny (Preset), Flash (Preset), Fluorescent (Preset), Incandescent (Preset), Manual, Presets, Shade (Preset) Continuous Shooting Speed 6 frames per second Video Capture H.264 - 1280 x 720, H.264 - 1920 x 1080, H.264 - 640 x 424
www.ebay.com/itm/Nikon-D7000-16-2MP-DX-format-DSLR-Camera-Body-w...
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Wegmans' potential listeria contamination issue
Added on : Thursday August 14th 2014 07:00:09 PM
g: 0 Posted By: cga
Views: 146 Replies: 0 I'm not sure if this belongs here or in Off Topic, but I think it deserves some attention, and since it concerns a well known grocery chain, I'm posting the topic here. If it needs to be moved, that's fine.

Recently, some possibly tainted fruit was recalled.Read this article for details.Wegmans sold some of this fruit, which was possibly contaminated with listeria..

I live in the Rochester, NY area and although there are other grocery stores in the area, none compares to Wegmans, so it's the de facto only game in town.

To its credit, Wegmans apparently computer called all of its known customers who were on record, via their shopper's club card, as having bought some of the possibly dangerous fruit, I received one of these calls and finally got around to going to my local Wegmans after getting the call.

What I learned there regarding Wegman's store policy on refunding/crediting customers' for their purchase of the potentially bad fruit truly shocked me. Wegmans is known for being the best super market chain in the country, and also one of the best places to work. For several years, actually. They are generally extremely customer oriented.

What are they doing about the possibly dangerous fruit, which can severaly sicken or even kill? They are offering refunds (with receipt) or store credit to customers who admit they have not eaten the fruit. Now, I had long since eaten all of the fruit, and don't recall getting sick. So she said no refund/credit for you. At that point I admit I lost my cool and raised my voice a bit...something you almost never see/hear happening in a Wegmans.

It seems logical to me that since everyone who bought the possibly tainted fruit ran the same risk of getting sick, everyone deserves a refund or credit. Actually, now that I think about it, maybe those who ate the fruit deserve even more consideration. It seems truly ludicrous to penalize everyone who ate the fruit.

Unless Wegmans issues a public apology (not likely) I'm definitely going to spend more of my grocery money at my local WalMart Superstore, which has a very good super market section.

I felt like bringing this to light, and am hoping others give it a little thought and perhaps express their opinions, even if it's to disagree with mine.


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Star Wars Anakin Skywalker Lightsaber Table Lamp $58.78 w/FS @ Newegg
Added on : Thursday August 14th 2014 11:00:04 AM
g: 0 Posted By: ctgolfer
Views: 151 Replies: 0 Sold and Shipped by:
Toynk Toys and Costumes


Add ambient light and an air of elegance to your room! Table lamp based on the lightsaber carried by Anakin Skywalker. Star Wars -themed lighting fixture measures 26-inches tall.

The shade shows the emblem of the Jedi Knights on three sides! Add ambient light and an air of elegance to your room with this Star Wars Anakin Skywalker Lightsaber Table Lamp! Based on the famous weapon carried by Anakin Skywalker, this beautiful lamp comes with a black laser-cut shade that shows the emblem of the Jedi Knights on three sides. The Star Wars -themed lighting fixture measures 26-inches tall and is designed to use up to a 100-watt light bulb.

www.newegg.com/Product/Product.aspx?Item=9SIA0190C82465
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PayPal Dispute Issue
Added on : Thursday August 14th 2014 10:00:15 AM
g: 0 Posted By: vishalj77
Views: 96 Replies: 6 I'm having some trouble with PayPal disputes recently - over international deliveries to certain countries. I have had 3 disputes so far in which all the items were delivered, but they took 45 to 60 days for delivery.. and the recipients would open a dispute within 4-5 days of shipment. I would let PayPal know every time that they should wait for a few weeks and then make a decision (yeah right) but they close the dispute and refund the payment to the buyer.

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

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

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

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

What would fellow FWFers suggest in this case? Small claims? I have emailed their executive team multiple times and have received no response.
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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.
LEGO Clearance - Krogers - Disney & Friends sets (YMMV)
Added on : Thursday August 14th 2014 03:00:06 AM
g: 1 Posted By: paco495
Views: 287 Replies: 2 I was at my local Krogers (Cincy on Cincy-Dayton road) last night and they had a bunch of girl themed Disney Princess & FriendsLEGO sets on clearance at incredible discounts.

Cinderella's Romantic Castle - 21.00
Friends Downtown Bakery - 9.99
Disney Princess Rapunzels Tower - 12.99
Disney Princess Ariel's Magical Kiss - 9.99
Disney Princess Cinderella's Dream Carriage - 9.99
and many more I cant recall at the moment.....

I assume this is nationwide as the manager on duty (who had to authorize the sale - clerk said the spend to savings ratio required manager approval) told me they were clearing all all girl themed LEGO sets as a company. So this may be at all Kroger, Fred Meyers and Ralphs but a YMMV deal.





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How to fix an error on credit report?
Added on : Wednesday August 13th 2014 05:00:06 PM
g: 0 Posted By: FWFGirl
Views: 38 Replies: 0 Not an alternate ID, first time posting about an issue and would very much appreciate any advices.

Backstory:
Over the weekend, I applied for a credit card and was rejected due to delinquent accounts. Confused, I called the credit card company and they said my report shows 2 accounts delinquent. Now I am even more confused as I check my credit via credit karma and Trans Union regularly (I have access to run this for free). Turns out, these negative accounts only shows up on Experian ONLY. My Equifax and Trans Union were cleaned, with very good scores. I called the credit card company back and asked them to run the other 2 reports. They did and they agreed my credit is good and approved the card.

Further investigation:
One of the delinquent account was Amazon visa. I called them up and they told me they never had an account with my name or SS#. So I disputed this account on Experian's site. The other delinquent account is for student loan from FED Loan service. This time, I didn't even call them, I just disputed it thinking its a mistaken identity since these accounts are not even showing up for Equifax and Trans Union reports.

After giving it some thoughts, I figured out what happened. I had a cousin living in my house supposedly going to school and need a place to stay. Long story short, I didn't want to do this, family pressure won, it was a nightmare, rest of the family soon realized I am right and we got rid of her and she is no longer living in the US. My cousin have her own SS#, but her name is only 1 letter off from my name. ie FWFGirl vs FVFGirl. So what happened was, Experian put her accounts under my name because it looked so similar with the same address. My thinking was confirmed when I got a collection letter addressed for her for that same Amazon account today!

My questions are:
1) I still plan on sending a certified letter to the collection company asking them to validate the debt to buy time while I figured out what to do next. When the collection company replies with the validation (It will be valid as I can definitely see her running up a credit card then leaving the mess behind), what is the next step? Should it be nothing since it is not even my name/SS/card/account?
2) How to clear these accounts from my Experian report? These accounts are NOT under my name and SS, and I did NOT co-sign anything for her.
3) Do I contact Amazon visa and FED Loan at all? It is really not their fault this shows up on the wrong Experian report and they have no records of me and my SS in their system?
4) Or do I just go directly and work exclusively with Experian to get this resolved?

Thank you for reading!
New User Question Deals
Mizuno Women's Volleyball Shoes - $50 + $5 shipping @ Scoredone.com
Added on : Wednesday August 13th 2014 01:00:03 PM
g: 0 Posted By: GKLM0709
Views: 90 Replies: 2 Found this site looking for some volleyball shoes for my wife. Pretty great deal on the mizuno wave lightning RX2's. $50 and an additional 5 for shipping...Not half bad.

The only problem is they only had about 1-2 per size.

http://www.scoredone.com/products/mizuno-wave-lightning-rx-2-wom...

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Digestive Advantage probiotic capsules 25% off coupon at amazon.com
Added on : Wednesday August 13th 2014 10:00:02 AM
g: 0 Posted By: kirbydog
Views: 22 Replies: 0 Target's price was $12.99 for one box and they only had the Daily or the Lactose Defense formulas.
different varieties depending on your digestive needs.
My order today came to $5.96 per box for 3 boxes after coupon was applied. I don't want to stockpile more than this because it is live culture.

Click on coupon found here:
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Stargate Atlantis: The Complete Series (Blu-ray) - $59.96 + FS @ Walmart
Added on : Wednesday August 13th 2014 09:00:02 AM
g: 0 Posted By: shadowstriker
Views: 66 Replies: 0 WalMart has Stargate Atlantis: The Complete Series (Blu-ray) on sale for $59.96 with free shipping.

4.3/5 stars based on 447 customer reviews here from Amazon, where this is currently $113.08.

Received an 8.1/10 at IMDb.

So those of you that missed it like me, It'sBack again only 5.00 more than yesterday!
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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.


Recommendation Needed Deals
Another Amazon Prime 30-day trial - YMMV
Added on : Monday August 11th 2014 06:00:02 PM
g: 0 Posted By: Deals4mykids
Views: 172 Replies: 0 Heads up everyone. I just went to Amazon and right on their front page, they had a free 30-day prime trial again. I had Prime before on this account but I haven't had it for at least 3-4 months now so I'm not sure if this'll work for anyone. Anyway, the link that it takes you to is the following. good luck.
http://www.amazon.com/dp/B00DBYBNEE
Services Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 208 Replies: 0 http://shop.nordstrom.com/c/beauty-makeup-perfume?dept=8000001&origin=topnavReceive an exclusive cosmetics bag filled with samples from Laura Mercier, Mario Badescu, Murad
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GO SMiLE Teeth Whitening Gel (0.5 oz.)
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Beauty Deals

Nordstrom Coupons
Shade Tech 12-ft. X 12-ft. Canopy $59.99 Free Store Pickup @ Sears
Added on : Monday August 11th 2014 02:00:04 PM
g: 1 Posted By: DizzyT71
Views: 171 Replies: 0 Sears.com has the Shade Tech 12-ft. X 12-ft. Canopyon sale for $59.99 with free in-store pickup.
Was: $109.99

12 ft. x 12 ft. overall size with 81 sq. ft. interior space fits up to 12 people for a fun day with family and friends.
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Polyester top has aluminum backing for a cooler and darker shade.


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Sports & Outdoors Deals

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

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

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

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

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

Is TDBank which has the longest teller hours actually that bad where they will find a way to fee you hard or keep funds on hold?
Discussion Deals
Union Plus Prepaid Savings Account - 5.1% APY
Added on : Monday August 11th 2014 09:00:10 AM
g: 0 Posted By: MoogLiberation
Views: 32 Replies: 0 I searched and didn't find any threads that had answers to my questions and I just figured I'd throw them out there to the group. I'm looking to open an account with Union Plus and I have a few questions before I do so:

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

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

If I decide not to do the DD and just eat the monthly fee, is there anything I have to do (like a small DD) just to keep the account active and open? Thanks.
Former employer wants money back
Added on : Monday August 11th 2014 04:00:09 AM
g: 0 Posted By: rjdoc74
Views: 111 Replies: 3 Just trying to see if someone is knowledgeable about this on here. Long story short, my wife just finished a 1 year long medical fellowship program at a major university. She was considered an employee of the hospital and received a monthly salary. Mid-year, we received a letter stating that the hospital re-classified all the fellows from being "trainees" to being "clinical instructors" and her that her federal and state contributions will change. Because of this, her paycheck went down by ~$300 per month. Fine, there was nothing we could do. Now, her employment concluded on 7/7/14. Last night we had received a letter stating that now they want ~$1500 BACK for overpayment due to this issue for first 6 months of her employment. We could not believe this. They told us that this "reclassification" took place as of 1/1/14 but now they want money back for previous 6 months as well. Do we just tell them to go pound sand? Or Do they have any kind of legal standing here? Any advice is appreciated!
Personal Finance Deals
g: 0 Posted By: DaysFan
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Macy's Coupons
Godaddy: 12 Month of Deluxe Hosting & Free Domain for $36
Added on : Sunday August 10th 2014 06:00:07 PM
g: 0 Posted By: Zhono
Views: 194 Replies: 0 Not sure if people already know about this, so I'm posting it. You can get 12 month of Deluxe(unlimited websites) hosting and a free domain for $36 My shoddy math tells me that is 70 or 75 percent off.

DISCLAIMER: I have no idea if this will change at some point. It's possible that they may change how the upgrades work. So far, it have worked for me though. I also do not know when the coupon expires, or where it even came from. I found it randomly in a Google search. If you know a different coupon that gives 12 months of Economy for $12, feel free to use that instead.

How to do it:

Add 12 months of Economy hosting to your cart. It MUST be Economy. Select your free domain that comes with your hosting purchase. Use the coupon codecjcrmn1hosand the price will drop to just $12 for 12 months. Complete the order.

Now, instead of initializing your new hosting, click the "Options" button, and then click upgrade. Do not change the "length of renewal" option or it will not work. The year you already have will be discounted, but any extra time you add will be full-price. Click "Checkout". In your cart, it will say you are ordering an upgrade to Deluxe Hosting, for a 1 Year term, at $2 per month. Your total will be $24. Complete the order. Congratulations, you just got $108 worth of hosting and a free domain, for only $36. That's only $3/month instead of the normal $9/month. Now you can initialize/setup the hosting account details and whatnot.

And yes, that coupon works as many time as you want, so you can get multiple hosting plans for cheap if you need them. At least it worked for me. Your results might vary.

Why/how this works: It's quite simple. The first coupon gives you Economy hosting for $1/month when you buy a whole year. But after you buy it, they treat it the same as if you had paid full-price. So when you click to upgrade, they only charge the difference between full-price Economy and full-price Deluxe, which is only an extra $2/month. You could also upgrade to the highest package instead if you wanted, but it costs a lot more.
Computers Deals

GoDaddy Coupons
Looking for insurance risk knowledge and Car Share ideas
Added on : Sunday August 10th 2014 04:00:07 PM
g: 0 Posted By: nyccpa
Views: 11 Replies: 0 Hi All,

I am reaching out to the FWF community to pick your knowledge and brains. I live in NYC and keep a car in a garage. A good friend of mine and I have been discussing starting a car share where he would generally have whatever access he wants to my car when I am not using/needing it. There are two issues: a) insurance concerns and b) cost structure

Car - 2007 Hyundai Santa Fee, 93k miles
My fixed expenses for the car:
$820 for insurance
100 per month for parking (after effective tax benefit)
Total = $168 monthly, $2,016 yearly

A) Insurance concerns:
My main concern around this is if an accident happens, and my insurance skyrockets (from $800 a year to 2k, 3k, and up) or I become uninsurable as a result. I have Geico - I called Geico to ask if I can add my friend to my insurance as he may be driving my car sometimes. They had no issue with it and adding him did not result in a premium increase. However, when I asked them is it easy to remove him if he no longer needs my car they seemed to have some issue with it, indicating they would need proof that he is insured elsewhere (meanwhile he doesn't have his own car...). Does this make sense to anyone? Also, are there any pitfalls that I am not thinking of here?

B) Cost Structure:
I was thinking something like a flat fee per month to have access to the car and share in the fixed costs (70-100), which would also allow some kind of estimates miles. I was worried tons of mileage could get put on if he took a ski trip or something to Vermont and put on 500-600 miles, so I was thinking there would be a charge for miles above the miles allotted for the "fixed costs miles."

I welcome any ideas/risks on the above. Am I being penny wise, pound foolish in even considering taking on this kind of risk? I also have a side business and could potentially create some kind of empoyer/employee relationship and having the business insure the car, etc... but I know nothing of this area.

Thanks in advance,
David
Discussion Deals
Rite Aid 8/17 - 8/23
Added on : Sunday August 10th 2014 12:00:07 PM
g: 0 Posted By: MrVietnam
Views: 2 Replies: 0 Perfect time to use the 4/1 Loreal HIP RAQ if you were lucky enough to get some. 40% off cosmetics and DD w/Loreal monthly and EE.

Free Conair/Scunci accessories.
Spend 10, get 5, L2. Use the 2/1 VV on items over 3.99 RR
Buy 3 items @ 4.29 on gold = 10.29, use 3 2/1 VV (YMMV) = 4.29, get 5 UP

The artificial lashes deal should DD with the EE (haven't tried purchasing any lashes, but the ad says they are included in the EE). Not sure if this month's Revlon Eye $3/$5 VV will beep on lashes or not. If not, spend 10, use 2 $3/$5 VVs, get 3 UP .. spend $1 and get 10 EE tracking.

Free Reach 2 ct. toothbrushes w/MFC coming (according to ad)

Free MaxFreeze 5 w/5 UP, L1
FB Q @ zim's, under Exclusive Deal tab
$2/1 any Zim's (maxfreeze pictured)
SS Q, had to try 3 browsers to get it to print. IE worked for me

Cheap Windex 2/6 w/2 UP wyb 2, L2
Buy 4 = 12, use $3/4 IP = 9, get 2 2 UPs and 3 CAT (CAT runs 8/11-9/7) = $2 for 4 Windex

g: 0 Posted By: jskins
Views: 206 Replies: 0 13-pc. Makeup Brush Set w/ Roll Up Case - $6.99 with $3.99 shipping at Tanga.

12 brushes Include Face, Blush, Angle Blush, Bronzer, Foundation, 2 Eye Shadow brushes, Ultra Fine Eye Liner, Eye Liner, Lip, Concealer, and Eye Brow Brushes
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Makeup Deals

Tanga Coupons
Best ways to make money while traveling the world
Added on : Sunday August 10th 2014 09:00:09 AM
g: 0 Posted By: eddierd
Views: 32 Replies: 0 Permanently traveling the world sounds like it could quickly drain your finances. But for Derek Earl Baron, 37, founder of wanderingearl.com, it was the most lucrative decision of his life. Hes been on the road for 5,268 days over 14 years visited 88 countries, and worked 10 different jobs.After graduating college, Baron was only planning to travel for three months before buckling down to start his career in sports management. But a week into his trip, he decided corporate life wasnt for him.In just that one week I had so many life-changing travel experiences, that [I thought] there must be so many more of those experiences out there in the world. I decided that I couldnt go back, Baron told Yahoo Finance. Determined to make a living while on the road, he was able to find money-making opportunities that allowed him to save money while seeing the world.Article Continues: http://finance.yahoo.com/news/how-i-saved--24-000-while-travelin...
Discussion Deals
Craftsman Nextec 12.0 Volt Right Angle Impact Driver $69
Added on : Sunday August 10th 2014 09:00:05 AM
g: 0 Posted By: cptbarkey189
Views: 165 Replies: 0 http://www.sears.com/craftsman-nextec-12...directType=SRDT

I had bought this impact driver this morning for $89, and by blind chance checked it again afterwards and the punks dropped it another $20, so its now $69 with battery and charger. I will get plenty of use with it working in tight areas such as timing belts. I called them of course and they gave me a credit.
Tools Deals

Sears Coupons
Free Ebook - Song of Shambhala interactive story-world
Added on : Sunday August 10th 2014 07:00:02 AM
g: 0 Posted By: songofshambhala
Views: 25 Replies: 0 Song of Shambhalais a modern myth that offers an immersive and engaging experience where life-changing themes of timeless wisdom, embedded in a music-infused story-world, offer transmedia hooks that pull readers from inspirational fiction to empowering information.

When he was young, Sheridan Clark believed music could change the world; now he must believe that the power of one song can save it.

Sheridan Clark is an expert in antiquities relating to music, and the former conductor of the Vatican choir who has now fallen on hard times. He is recruited by a shady U.N. operative, to retrieve the Baton of Shambhala, an ancient artifact said to be used by the Archangel Lucifer to direct the chorus of heaven before his fall from grace. They journey to the Himalayas, where Sheridan is led to the lost city of Shambhala. There, Sheridan retrieves the Baton from the top of the Kings Tower and receives a spirit message from an ageless sage who reveals Sheridans true quest: Sheridan must find the three sacred Chintamani Stones that form the base of the baton. If he does this, the Song of Shambhala will be revealed. But he has only until the time of The Sixth Sun to complete the task, or the world will be plunged into darkness. What follows is a world-trekking adventure cast on the backdrop of iconic sacred sites that tells the tale of an inspirational fable woven into the fabric of history and legend.

http://songofshambhala.com/?page_id=8085http://
Books Deals
g: 0 Posted By: bakerastic
Views: 156 Replies: 0 JC Penney has a new coupon for an extra 25% off original, regular, sale and clearance-priced apparel, shoes, accessories, fine jewelry, home, furniture, mattresses and custom blinds and shades. Extra 15% for optical purchases. Good in-store with printed coupon and at jcp.com or phone orders with normal exclusions, dates are August 10 through August 12th. Online code is JCPFRNDS. Link to get the printed coupon is at http://www.jcpenney.com/jsp/browse/marketing/promotion.jsp?pageI...
Home & Garden Deals

JCPenney Coupons
Bose CineMate Series II $429.99 After $50 Manufacturer Discount
Added on : Saturday August 09th 2014 06:00:02 PM
g: 0 Posted By: mikie12345
Views: 33 Replies: 0 Both Costco and Sams Club have the the Bose CineMate Series II Digital Home Theater Speaker System on close out, Both offer free shipping and have limited inventory in some warehouses. Costco also has the Bose Acoustimass 6 Home Theater System bundle with Yamaha receiver for $749. It sounded nice but it's more that I wanted to spend. Sams Club also hasthe Bose Acoustimass 6 Home Theater System bundle but it includes a Pioneer receiver instead.

I set up the CimeMate speaker system at home tonight and am quite happy with the results, an excellent value for what I paid for it. This is replacing a Sony HT-CT260 sound bar that I had purchased last year at Sams club. With the Bose CineMate audio speech is much clearer and audio itself is much richer.

Don't confuse this system with the CineMate GS offering from Sears. That system has an advanced universal remote and Gemstone speakers, and the system is about $100 more.
Home Theater & Audio Deals

Sams Club Coupons
ASUS Z87 Gryphon Motherboard $50 @FRYS YMMV
Added on : Saturday August 09th 2014 04:00:02 PM
g: 0 Posted By: showtime
Views: 201 Replies: 0 These retail around $160. Frys in Burbank had 3 or 4 for $49.90. Good detail if you need a decent mobo right now. YMMV

Computers Deals
My Company doesn't pay my variable bonus at the time of relieving.
Added on : Saturday August 09th 2014 07:00:10 AM
g: -1 Posted By: AjayKumarNanna
Views: 36 Replies: 0 I had a contract of 2 years & after completion of m 1st year My salary was revised to 3,60,000 out of which 3,36,000 was fixed salary & remaining 24000 was variable bonus which would be payed upon the performance of company & individual. My company did well & so do I, But mean while I got very good offer where I have a chance of learning so much while I work, So I resigned here & My notice period was 2 months.

On My last day at company, I had to collect all my certificates & I asked my HR to pay my variable bonus to me, but He denied. He told me that Variable bonus would be paid for only those employees who stay working & on completion of term from the day when my salary got revised to next appraisal date. I'm leaving this company two months earlier than the company appraisal time. But I'm arguing with my HR that this not legal & I have to get my bonus for my work.

I had contacted my ex-colleague who left 1 month back from this company to know whether He got his variable bonus paid. Company paid his bonus to him & we both had our salaries revised on same date, so basically he left 3 months early & he got his bonus, so why cant I ?

I'm feeling very bad, I got feeling like, of my 2 years of service I always worked to make profits to company but now my company is playing with me

I need help, Kindly Please suggest me what to do......
Question Deals
PNC 1% Premium Money Markey Account Issues
Added on : Saturday August 09th 2014 06:00:07 AM
g: 0 Posted By: Bathead12
Views: 27 Replies: 0 Has anyone else had any issues signing up for the PNC Premium Money Market account promotion for 1% guaranteed for 1 year?

I received the following promotion by email and I both called and went into the branch and they said "they don't see this promotion available". Below is the full promotion. They didn't mention that this promotion expired or was not longer available, they just said that have no record of this promotion. Makes no sense and it seems like at best this is bad communication and at worst "bait and switch"

We value our relationship with you. And now you can earn 1.00%* Annual Percentage Yield (APY) guaranteed for 12 months if you open a new Premium Money Market account and maintain a balance of at least $20,000. Remember your account is FDIC insured to the maximum permitted by law.

Earn 1.00%* Annual Percentage Yield (APY) guaranteed for 12months.

Take advantage today! This offer ends 8/29/2014.
Question Deals
g: 0 Posted By: remick
Views: 78 Replies: 1 ULTIMATE Leonardo da Vinci Artwork Collection! 200+ Paintings, Drawings, Inventions, Portraits, Virtual Fine Art Museum
http://www.amazon.com/gp/product/B00A7YP70W

Leonardo da Vinci Artworks!
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Leonardo da Vici was born on 15 April 1452 in the town of Vinci, the illegitimate son of the notary Ser Piero da Vinci and a peasant woman called Caterina. His childhood spent in the Tuscan countryside inspired in him a life-long passion for the observation and depiction of nature.When he was seventeen, he moved to Florence, where his talent for drawing impressed the great master Verrocchio who took him on as a pupil.Leonardo da Vinci worked for such powerful patrons as Ludovico da Sforza, Duke of Milan; Cesare Borgia; Cardinal Giuliano de Medici, brother of Leon X; and for the French king Francois I at Amboise, where he died in 1519.

It has become fashionable to speak of 'Leonardo the artist' and 'Leonardo the scientist' as if he had been some schizophrenic genius torn between two disparate pursuits and therefore rarely, if ever, able to accomplish anything in either. But Leonardo's own contemporaries, though impatient of his volatility, master himself such a dichotomy would have been incomprehensible. To say that as 'a man of the Renaissance' he believed that a painter needed the aid of anatomy, perspective, optics and so forth is not a proper answer. In fact, these alleged 'scientific' studies of Renaissance artists were a fashion confined to a small circle. In any case, Michelangelo and Raphael to name only two outstanding examples - did not share these interests but were great artists nonetheless. Leonardo's inquiries were rooted in his personality, not in some tendency of the age, and many of his notes and drawings having nothing to do with the tasks awaiting painters of his time. They are not a vast store from which to draw raw materials for his art, nor was his art simply a finely distilled compound of observations and imagination.
In fact, many of Leonardo da Vinci's drawings are different from those of his contemporaries and those by artists from any other period. Of course, there are among them rapid sketches from life, portraits, quick notes for compositions, elaborate cartoons, drapery studies, designs for machines, buildings, drawings of plants and animals, anatomical and proportion studies. But it is their nature which is so often peculiar. The plans of buildings grow before our eyes like the cells of some organism, plants appear on the same sheet both in bud and in flower, trees are drawn schematically to demonstrate the principle of growth, there is a drawing of the peaceful Arno valley, and there are the cataclysmic visions of utter physical destruction of the world. The grotesque heads - to call them caricatures is a misnomer - are combinations and variations of human forms creating a morphological sequence of types. The anatomical drawings demonstrate not only the position of muscles and tendons or the bone structure, they also show the embryo in its mother's womb and a bare skull, - the beginning and end of life. All these drawings are concerned not just with the collection of visual data useful to the painter but with the processes of life, with growth and decay, whether in plants, beast, man, or the world at large. The same is true of Leonardo's designs for his various mechanical contrivances which are so often engines of construction or destruction.

Leonardo da Vinci's notes should be considered in the same context. It is perhaps a pity that we have got used to thinking of them as if they had been written in preparation for some comprehensive treatise on painting. But it should be remembered that the huge manuscript known as Trattato della Pittura is not a autograph. It was compiled in the sixteenth century, probably by Francesco Melzi, from no less then eighteen of the original notebooks. The result certainly is a labor of love, but nevertheless this gathering divided into eight chapters is too rigid, too much like a textbook to reveal Leonardo da Vinci's truly dynamic nature...




Ultimate Salvador Dali Collection: Modern Art from the Famous Creator
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Salvador Domingo Felipe Jacinto Dal i Domnech, 1st Marqus de Dal de Pubol (May 11, 1904 January 23, 1989), known as Salvador Dal (Catalan pronunciation: [səɫβəˈo əˈɫi]), was a prominent Spanish surrealist painter born in Figueres, Spain.

Dal was a skilled draftsman, best known for the striking and bizarre images in his surrealist work. His painterly skills are often attributed to the influence of Renaissance masters. His best-known work, The Persistence of Memory, was completed in 1931. Dal's expansive artistic repertoire included film, sculpture, and photography, in collaboration with a range of artists in a variety of media.

Dal attributed his "love of everything that is gilded and excessive, my passion for luxury and my love of oriental clothes" to a self-styled "Arab lineage", claiming that his ancestors were descended from the Moors.

Dal was highly imaginative, and also enjoyed indulging in unusual and grandiose behavior. His eccentric manner and attention-grabbing public actions sometimes drew more attention than his artwork, to the dismay of those who held his work in high esteem, and to the irritation of his critics.

In 1931, Dal painted one of his most famous works, The Persistence of Memory, which introduced a surrealistic image of soft, melting pocket watches. The general interpretation of the work is that the soft watches are a rejection of the assumption that time is rigid or deterministic. This idea is supported by other images in the work, such as the wide expanding landscape, and other limp watches shown being devoured by ants.




Ultimate Tribal Tattoo Designs: Abstract Ideas, Dragon Girls, Art Patterns, Shop Studio, Men and Women, Pictures with Meaning
http://www.amazon.com/Ultimate-Tribal-Tattoo-Designs-Abstract-eb...

900 Amazing Tribal Tattoo Designs 700 X 700!

Tattooing has been practiced for centuries in many cultures, particularly in Asia, and spread throughout the world.[citation needed] The Ainu, an indigenous people of Japan, traditionally had facial tattoos. Today, one can find Atayal of Taiwan, Berbers of Tamazgha (North Africa), Hausa people of Northern Nigeria, Kurdish people in East-Turkey, and Māori of New Zealand with facial tattoos.

Tattooing was widespread among Polynesians and among certain tribal groups in Africa, Borneo, Cambodia, Europe, Japan, the Mentawai Islands, MesoAmerica, New Zealand, North America and South America, the Philippines, and Taiwan. Indeed, the island of Great Britain takes its name from tattooing; Britons translates as "people of the designs", and Picts, the peoples who originally inhabited the northern part of Britain, literally means "the painted people". Despite some taboos surrounding tattooing, the practice continues to be popular in many parts of the world.

Tattooing has been a Eurasian practice at least since Neolithic times. tzi the Iceman, dating from the fourth to fifth millennium BC, was found in the tz valley in the Alps and had some 57 carbon tattoos consisting of simple dots and lines on his lower spine, behind his left knee, and on his right ankle. These tattoos were thought to be a form of healing because of their placement, which resembles acupuncture. Other mummies bearing tattoos and dating from the end of the second millennium BC have been discovered, such as the Mummy of Amunet from ancient Egypt and the mummies at Pazyryk on the Ukok Plateau.

Pre-Christian Germanic, Celtic and other central and northern European tribes were often heavily tattooed, according to surviving accounts. The Picts were famously tattooed (or scarified) with elaborate, war-inspired black or dark blue woad (or possibly copper for the blue tone) designs. Julius Caesar described these tattoos in Book V of his Gallic Wars (54 BC).

Various other cultures have had their own tattoo traditions, ranging from rubbing cuts and other wounds with ashes, to hand-pricking the skin to insert dyes.

Modern tattooing in the Western world has its origins in sixteenth through eighteenth century maritime expeditions, which promoted contact between explorers and the amerindian tribes and Polynesians they encountered. The Polynesian practice, especially, became popular among European sailors, who took the Samoan word tatau to describe the actual tattoo. As sailors traveled abroad and returned home with tattoos inscribed on their bodies, tattoos began to appear in mainstream European, and eventually North American, figurations, as well.

As many tattoos were stimulated by Polynesian and Japanese examples, amateur tattoo artists were in great demand in port cities all over the world, especially by European and American sailors. The first documented professional tattoo artist in the USA was Martin Hildebrandt, a German immigrant who arrived in Boston, Massachusetts in 1846. Between 1861 and 1865, he tattooed soldiers on both sides in the American Civil War. The first documented professional tattooist in Britain was established in Liverpool in the 1870s. Tattooing was an expensive and painful process and by the 1870s had become a mark of wealth for the crowned heads of Europe.
Totally Free Deals
Designer Inspired Eyeshadow Palette ($14.99 was $99.99) @ BelleChic
Added on : Saturday August 09th 2014 04:00:05 AM
g: 0 Posted By: st4rdust
Views: 263 Replies: 0 BelleChic has the Designer Inspired Eyeshadow Paletteon sale for$14.99with free shipping. This palette is a Naked 3 dupe (see attached image).



Shades Include:

Pale neutral pink matte-satin
Pale metallic pink shimmer w/iridescent micro-glitter
Light pinky-peach satin
Light dusty rose matte
Metallic rose shimmer w/silver micro-glitter
Light metallic pinky-copper shimmer w/tonal micro-sparkle
Medium pinky-brown matte
Medium metallic mauve shimmer
Pinky-brown satin
Metallic taupe shimmer w/slight pink shift
Deep taupe-mauve satin
Smoky black matte w/rosy red micro-sparkle

Makeup Deals

BelleChic Coupons
California Rental Issue - Update
Added on : Friday August 08th 2014 03:00:05 PM
g: 0 Posted By: coolcomp
Views: 1840 Replies: 62 Hi,
Me and 2 of my friends were staying at a 3bdrm apartment for about 1.5 years. We were initially staying at one of the other units in the same complex for about 2 years and then moved to this place. We noticed bedbugs after about a year in the new place, but it was too less and we did not think too much about it. We applied some pest control powders on our own and it was under control.

When we were moving out, we informed them a month in advance as specified in the agreement. And there was a move-out inspection 1 week before we were vacating. They noticed bugs and indicated that they would need to do a treatment and asked us to vacate 3 days before our lease ended. We anyways had our new apts ready and we moved on. After about 1 month 10 days, we received a itemized bill as:
Heat Treatment for Bed bugs: 2600
Dry Ice trap supplies for bed bugs: 176.5
Apartment Cleaning: 245
Carpet Replacement: 442.4
Paint and Paint supplies: 270.12
Final Billing for NWP: 56.46
NWP: 58.33
NWP: 56.07
Missing Garage key: 50

Some more details:
1) The apartment is managed by a well established company
2) State of California
3) We have not violated any part of the lease agreement

Our question, According to California rental laws, it is the landlord's responsibility to keep the house habitable "Before renting a rental unit to a tenant, a landlord must make the unit fit to live in, or habitable. Additionally, while the unit is being rented, the landlord must repair problems that make the rental unit unfit to live in, or uninhabitable"
So bedbugs are the landlord's responsibility. Will it be against us, that we did not inform earlier?


according to the lease, we had to inform we will vacate one month in advance. We planned for moved out on June 30.

May 31: Informed we will move out
June 18: Move-out inspection
June 19: 2 emails, 1st email saying everything looks fine except for
Heavy Apartment Clean
Full Paint and Paint/Paint Supplies
Carpet Replacement
Second email saying about infestation and that they would do the treatment

Aug 5: Email saying " A letter/estimate of charges was previously sent to your address after the pest control treatment. I wanted to send you the attached, updated, Itemized Disposition which includes the treatment for the bed bugs. As a reminder, a final letter will be sent to conclude your account once we have confirmation from the pest control company that we are good to go and no bed bugs are alive/present."

We have not received any estimate of charges at our address.
Question Deals
extended warranty question
Added on : Friday August 08th 2014 01:00:05 PM
g: 0 Posted By: dcmorrin
Views: 89 Replies: 1 I bought an extended warranty for a new vehicle in 2010(4.5 years ago). I had them add a rider that pays me back if the warranty is never used. The vehicle has been totaled in an accident and the warranty has not been used.

Can/Should I contact the dealer and see if I can get repaid now? Should I wait?


Question Deals
advice on clearing title
Added on : Friday August 08th 2014 10:00:13 AM
g: 0 Posted By: wavedweller
Views: 109 Replies: 1 I bought an old truck recently...a 86 ford...and when I tried to get a tag it was rejected because the seller hadn't got a title in his name, neither used a dealer . Turns out neither did the guy who sold it to him. Is there any way to clear this up without trying to find the original owner?
Question Deals
Lifetime 7' x 7' Storage Shed $534.73 AC YMMV at Lowes.com
Added on : Friday August 08th 2014 08:00:03 AM
g: 0 Posted By: DDoubleyou
Views: 178 Replies: 0 Link


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

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

Great price on a decent sized shed...


Home & Garden Deals

Lowe's Coupons
SimpleHuman Sensor Mirror $119 at Amazon (normally $190)
Added on : Friday August 08th 2014 04:00:05 AM
g: 0 Posted By: Crank
Views: 231 Replies: 0 Had a price alert set up for this lighted, magnified mirror - huge drop today, so I ordered one.
Regularly sells for about $190, reduced to $119 today.
Countertop model only - wall mounted is still ~$170.

Enjoy:

SimpleHuman Mirror
Home & Garden Deals

Amazon Coupons
Discover $100 cashback, targeted
Added on : Friday August 08th 2014 02:00:01 AM
g: 0 Posted By: drzeyas
Views: 270 Replies: 0 I hadn't used my card in about 5 months and yesterday received a benign-looking envelope that I dont think even said "discover" on it, containing instructions to log in or phone to activate the promo below:
===============================================================================================================================================
Here's how you can earn the extra $100 CashBack BonusEnroll by September 1, 2014 and make a minimum $1,000 in purchases by October 31, 2014. Discover is not responsible for merchant delays in processing transactions. This offer is in addition to the CashBack Bonus you already earn on purchases with your Discover card. Rewards are added to your CashBack Bonus account within 8 weeks of October 31, 2014. If you need more information on this offer, please call 1-800-Discover.Here's how you earn CashBack Bonus on every purchase You can earn 5% CashBack Bonus on category purchases up to the total purchase dollar amount specified in each program. Categories change throughout the year every three months and include movies, gas and restaurants. You must sign up for each 5% program.
You automatically earn 1% CashBack Bonus on all your other purchases after your first $3,000 in qualifying annual purchases. Your first $3,000 in qualifying annual purchases and warehouse purchases earn 0.25%.
You can also earn 5% to 20% CashBack Bonus at top online retailers through our exclusive online shopping mall, ShopDiscover.com.Reasons why your CashBack Bonus account will be forfeitedYour CashBack Bonus rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make any Minimum Payment Due for two consecutive billing periods, any CashBack Bonus in your CashBack Bonus account will be forfeited.International purchases under this offerInternational transactions are qualifying purchases under this offer. For a full list of countries where you can use your Discover card, visit Discover.com/international.Transactions that do not qualify under this offerBalance Transfers, Cash Advances or Cash Over are not qualifying transactions under this offer.
==================================================================================================================================So this is 10% CashBack if proceeding to the legit way as described above. Not too shabby, considering that we've all seen better promos from other credit cards over the past year compared to their quarterly 5% CashBack promos. If you have multiple discover cards that you haven't been using, good luck!


Services Deals

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

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

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

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

FICO Recalibrates Its Credit Scores

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

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
Credit Deals
HOT: $200 credit per line if you get Verizon Wireless and have FIOS
Added on : Thursday August 07th 2014 02:00:06 PM
g: 0 Posted By: descriminator
Views: 298 Replies: 3 I switched to verizon wireless and had FIOS already. Earned $200 per line on 4 lines = $800 of free money (verizon credit) after 2 months.

I'd say its a deal Thumbs up if you earn $

http://morewithverizon.com/

Good luck and have fun!

EDIT: Forgot to mention, combine your FIOS and wireless bill, get $10/mo discount. Call FIOS support to get that setup. Enjoy.

EDIT 2: New lines only. Northeast-ish
Services Deals

Verizon Wireless Coupons
Anyone have any luck with Credit Unions?
Added on : Thursday August 07th 2014 05:00:09 AM
g: 0 Posted By: timgodsil
Views: 113 Replies: 7 Right now I'm banking with BOA, but after the stunt they pulled trying to charge people $5 to use debit cards, and getting fined and sued lately, I don't want to do business with them.

My friend currently has a credit union and loves it. So I looked and found 4 CU's with open membership. DCU, Alliant, Consumers, and Lake Michigan. I applied for membership with all 4 on a Monday afternoon.

Consumers immediately denied for credit score. Even though Credit Unions say it's easy to switch, they have harsher credit requirements than banks who have little if any.

DCU wanted me to fax in a copy of my ID, and then after waiting another 2 days said "We can't identify you, you will get a letter in the mail", and then hung up on me.

Still waiting 3 days now on Lake Michigan and Alliant.

You wouldn't think it would take 72 hours to open an account, especially since I done it online. Bank of America had me an account within 6 hours.



Deposits Deals
Penfed - draw on heloc then apply for hel to pay down?
Added on : Thursday August 07th 2014 05:00:09 AM
g: 0 Posted By: Galun000
Views: 73 Replies: 0 I have an undrawn penfed 5/5 heloc with the 3.75% minimum rate floor. If I were to draw on it, can I then get a home equity loan from penfed to pay down the heloc principal balance? With 15 year at 3.99%, with no minimum 2% payment, I think it's a fair trade off. I called penfed and got different answers. One checked with the supervisor and said yes if the new HEL pass underwriting independently. One said not sure, apply online to find out. One said probably. Anyways, just wondering if anybody here had done something similar. Thanks.
Personal Finance Deals
You'll Be Rich in the Military - in Ways You Don't Think
Added on : Wednesday August 06th 2014 11:00:09 PM
g: 0 Posted By: rachelmark7922
Views: 79 Replies: 0 I hear "You'll never be rich being in the military" all the time, from lower enlisted to command level officers. The military perpetuates the mentality that we don't make that much money. I'd like to argue that we do make a lot, and that the military is an incredible steppingstone to the middle class.

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

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

I'm not advocating that you join the military for financial reasons, but I am trying to highlight some of the financial perks that you wouldn't see in your paycheck.
Discussion Deals
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.
Question Deals
Paradise Beach Club Vacations screwed me at the last minute
Added on : Wednesday August 06th 2014 10:00:08 AM
g: 0 Posted By: jonle
Views: 69 Replies: 0 On Dec 3rd, 2013 I booked a 2 bedroom condo at Wyndham Waikiki Beach Walk via VBRO - Paradise Beach Club Vacations. I paid $1895 for rental from 8/12-8/19 2014.
On 7/27 I received an email fromPBCV with topic "Regarding prior notices - 3rd and final email" with the below content:
On Sun, Jul 27, 2014 at 7:57 AM, vrbo 332900<vrbo332900@gmail.com>wrote:
Dear Guest, This is our final notice to you regarding your reservation. We have sent you 2 attempts to contact you regarding your reservation.We are advising all our guests that due to circumstances beyond our control that have just recently arisen. We are not able to provide to you the accommodations that you have reserved in Hawaii. We sincerely apologize, however we can provide you California, Florida and or Mexico. We realize that this could be a inconvenience to you. For some of you this may be coming at a late date. . We will be sending within the next 30 days a refund voucher that you will be able to use with available dates for these locations for your future travel.Obviously if Hawaii is your only destination then you do have the choice of cancelling this reservation through your credit card company. (please contact them directly if this is your choice )Please contact us by email if you would like to rebook for one of the above listed locations.Again our sincere apologiesThank youCustomer Service Department

I have been calling and emailing demanding a full refund but PBCV insist on issuing me a voucher which expire in 1 year.
What can I do to get full refund? I had a contract signed with PBCV to book the 2 bedrooms.

Below are the corresponding emails:
Dear Jon
As the email states there was a issue, but we have sent everyone notices. Please let me know
as to a location that we can plan a future date for. Again we can rebook you for one of the locations listed in the prior emails
Jeff
Customer service

Dear Jon, I understand you just called I tried to pick up the line but lost you. From what I understood you have not received or understand instructions regarding your reservation. As it states in the prior email as well as notices sent. That if Hawaii is your only destination and you are choosing not to accept the refund voucher for accommodations. We would like to accommodate you in one of our places that were offered. We do not understand as why you are responding at such a late dates as this was the 3rd notice for refund. As it stated in the original reservation on of the terms that was stated is to buy trip insurance, if you did please contact your instance company. Or please alert me to a destination as per the email that was sent to you for a future location and date.
Please respond by email.
Thank you Jeff

http://www.tripadvisor.com/ShowTopic-g60982-i38-k7171324-Paradis...

Jeff,
Had I received any of the prior notices, I would've acted right away
like right now with this serious matter. How can anyone overlook at
such issue when my vacation had been ruined before it even started?
I really need the money credit back to me, because I can't make
payment on my credit card with this new balance. I had to frantically
booked for 2 rooms at an outrageous price with such short notice and
peek season. That's why we planned ahead and booked ahead back in Dec
'13.
Also, my family does not take a vacation every year, we can only
afford every other year to travel far.
Please understand my situation, your company had held on to my payment
for the last 8 months and had not delivered based on the contract.

Regards,

Jon Le





Discussion Deals
g: 0 Posted By: vnuts21
Views: 133 Replies: 4 We stayed at a hotel over the weekend and had an incident where the toilet broke, causing the room to flood (the toilet tank shattered). We weren't doing anything unusual in the bathroom, and I believe it may have been due to the tank having a crack, and then finally giving way when I sat down on the toilet. However, I have no proof of any of this.

The hotel is charging us $300, which seems high to me due to the relative cheap cost of a replacement toilet, and the fact that the damage was not willful. The hotel also mentioned that the room cannot be sold until repairs are made (understandable), so perhaps some of the damages are a result of this. However, similar to rental cars - is the hotel required to prove that the room would have otherwise been rented out? Is the hotel required to provide invoices for repair estimates?
Question Deals
California Rental Issue
Added on : Tuesday August 05th 2014 11:00:08 AM
g: -4 Posted By: coolcomp
Views: 161 Replies: 2 Hi,
Me and 2 of my friends were staying at a 3bdrm apartment for about 1.5 years. We were initially staying at one of the other units in the same complex for about 2 years and then moved to this place. We noticed bedbugs after about a year in the new place, but it was too less and we did not think too much about it. We applied some pest control powders on our own and it was under control.

When we were moving out, we informed them a month in advance as specified in the agreement. And there was a move-out inspection 1 week before we were vacating. They noticed bugs and indicated that they would need to do a treatment and asked us to vacate 3 days before our lease ended. We anyways had our new apts ready and we moved on. After about 1 month 10 days, we received a itemized bill as:
Heat Treatment for Bed bugs: 2600
Dry Ice trap supplies for bed bugs: 176.5
Apartment Cleaning: 245
Carpet Replacement: 442.4
Paint and Paint supplies: 270.12
Final Billing for NWP: 56.46
NWP: 58.33
NWP: 56.07
Missing Garage key: 50

Some more details:
1) The apartment is managed by a well established company
2) State of California
3) We have not violated any part of the lease agreement

Our question, According to California rental laws, it is the landlord's responsibility to keep the house habitable "Before renting a rental unit to a tenant, a landlord must make the unit fit to live in, or habitable. Additionally, while the unit is being rented, the landlord must repair problems that make the rental unit unfit to live in, or uninhabitable"
So bedbugs are the landlord's responsibility. Will it be against us, that we did not inform earlier?
Question Deals
California Rental Issue
Added on : Tuesday August 05th 2014 11:00:07 AM
g: 0 Posted By: coolcomp
Views: 61 Replies: 3 Hi,
Me and 2 of my friends were staying at a 3bdrm apartment for about 1.5 years. We were initially staying at one of the other units in the same complex for about 2 years and then moved to this place. We noticed bedbugs after about a year in the new place, but it was too less and we did not think too much about it. We applied some pest control powders on our own and it was under control.

When we were moving out, we informed them a month in advance as specified in the agreement. And there was a move-out inspection 1 week before we were vacating. They noticed bugs and indicated that they would need to do a treatment and asked us to vacate 3 days before our lease ended. We anyways had our new apts ready and we moved on. After about 1 month 10 days, we received a itemized bill as:
Heat Treatment for Bed bugs: 2600
Dry Ice trap supplies for bed bugs: 176.5
Apartment Cleaning: 245
Carpet Replacement: 442.4
Paint and Paint supplies: 270.12
Final Billing for NWP: 56.46
NWP: 58.33
NWP: 56.07
Missing Garage key: 50

Some more details:
1) The apartment is managed by a well established company
2) State of California
3) We have not violated any part of the lease agreement

Our question, According to California rental laws, it is the landlord's responsibility to keep the house habitable "Before renting a rental unit to a tenant, a landlord must make the unit fit to live in, or habitable. Additionally, while the unit is being rented, the landlord must repair problems that make the rental unit unfit to live in, or uninhabitable"
So bedbugs are the landlord's responsibility. Will it be against us, that we did not inform earlier?
Question Deals
g: 0 Posted By: PowerPuffDaddie
Views: 81 Replies: 0 Description:

The DeWalt 12 in. Double Beveling Sliding Compound Miter Saw (DWS780) combines smooth operation with top speed to help you work faster, safer and more productively

Powerful 15 amp motor reaches 3,800 RPM speed for fast, efficient cutting
High-grade carbide blade provides an ultra-sharp cutting edge that handles a variety of materials
Miter detent plate is made of durable stainless steel with 10 positive stops to enhance accuracy and productivity
Integrated XPS system allows cross cut positioning and line indication for improved visibility precision
Tall sliding fences slides out of the way to allow bevel cuts and vertical base and crown mouldings
Efficient dust collection system collects over 75% of dust for cleaner operation
Unique back fence design cuts 2x16 and 2x12 lumber at 90 and 45 degrees respectively
Comes with vertical clamp and blade wrench

Here's the Deal:
Your local Sears is closing out the DWS780 model, usually priced $599.99. Closeout price is $419.93.
Confirm local stock using the SearsOutlet Website(DO NOT ORDER FROM SearsOutlet) - they should be new in box (NIB).
The additional savings is that coupons, that would not usually work with a closeout item, will work with this one.
If you have signed up for the texted SYW coupons, then go to this website: http://shc.cpn2c.co/RecomService/web/zdto (hopefully) receive your "Members Only - 20% Off With a $100 or More Tools Purchase Expires On 08/10/2014" coupon.
If you have the coupon, use it and any SYW points you have to buy the DWS780 in your local Sears store.

I was able to order a unit for store delivery, since the store only had the display model - this may be an option for you.

This is the DWS780 model, do not confuse it for the DWS782 model that goes for $399 and complain about the price.

Good luck.
Thanks.

Tools Deals
2001 Chrysler Town and Country failed smog test in CA. Advice?
Added on : Monday August 04th 2014 05:00:09 PM
g: 0 Posted By: vikasdua
Views: 171 Replies: 2 !!!!!THIS IS MY FIRST POST AND I HOPE I AM PUTTING IT IN THE RIGHT SECTION. IF NOT, APOLOGIZE IN ADVANCE.!!!!!

Background:
I have a 2001 Chrysler Town and Country that I brought used from a private party in Oct 2010. While I was inspecting the car, the engine light was on (code: P072 which means engine running rich). The owner replaced 2 oxygen sensors and showed me the receipt of the work done and I bought the car in 2010. I bought this car using craigslist and paid cash for the car. Ever since I drove the mini van from the sellers house it has been having intermittent issues with the engine light (same error code). Over the years I have tried to get this issue fixed and spend about $1000/- but was never able to resolve the issue. The last time I had to do a smog i.e in 2012 I was lucky that the engine light was off and the van passed smog.

Current Situation
The smog check was due and when I was getting the smog test the engine light came on with the same code (P072) and the car failed smog. I decided to try my luck and took it to Big O tires to try and fix it and they replaced another oxygen sensor that cost me $273/- but the problem came back.

Question:
I cannot sell it to a private party in CA without passing the SMOG test. The KBB value for the van is between $2800-$3300. I have an appointment with Big O Tires on Friday for them to try and diagnose the problem and I have a strong feeling that they will recommend replacing something else that will cost me more money but will not eliminate the problem.

What do you guys recommend? Try my luck and change another part OR donate it and get a tax write off OR sell it for parts?




Question Deals
US Bank credit card giving me hard time disputing the charge
Added on : Monday August 04th 2014 09:00:09 AM
g: -1 Posted By: diamente
Views: 164 Replies: 5 I have the American Humane Association credit card issued by US Bank.link
I have never had a credit card issuer deny my dispute or give me such a hard time over disputes. The only reason I am using US Bank credit card is because Human Society is getting the benefit.

I took the greyhound bus from LA to SF and the bus was 3 hours late. I filed dispute saying the quality was not there and the service was not received. US Bank saying I did take the bus and the service was received. Greyhound couldn't guarantee me that I would be on time. I understood if it were 30 minutes late but not 3 hours late. I had to be at my customer early in the morning, and I could had lost my job over it.

I got a letter from US Bank and called them and spoke to their CSR and to their supervisor. Their response is the service was received, and they had to follow VISA regulation over dispute. I asked them to e-mail or mail me the VISA dispute regulation. They told me they couldn't do that but I could go online and search for them. I told them the quality was not there but they told me service was received.

Do I have a case for dispute? The amount is $45.
Why is US Bank giving me such a hard time when other credit card companies like Chase, Citi, Bank of America would give me credits right away and stand behind their customers?



Credit Deals
g: 0 Posted By: CapEx
Views: 184 Replies: 7 Hey All

I'll try to sum this up quickly as I can. I was on a flight, that due to a weather diversion, caused me to misconnect late at night and required a night's stay at the airport hotel. I'm trying to successfully file a claim on my Chase MileagePlus card for Travel Interruption coverage. This trip was originally booked with SGN as the destination (purchased with my eligible card) and changed over to DXB (change fee and additional airfare also paid with the eligible card). I have provided all the requested information to card benefit services (which I believe is an affiliate of Visa), such as the hotel statement, the credit card statement showing the purchase, and the intinerary to DXB.

The issue is arising from the fact that:
1. They keep requesting the original itinerary to SGN, which doesn't exist anymore as United changed it over to DXB
2. A letter from United explaining that there was a delay

I have called United several times and sent requests to apparently the junkmail box (delayletters@united.com) but can't seem to get any written documentation from United directly (although there are numerous other sources I could provide to prove the flight was indeed delayed which are not acceptable to card benefit services). In addition it's impossible to get the original itinerary to SGN. Card member services has been beyond unhelpful, simply retelling me what the 'claims officer' is requesting for my file and refusing to let me talked to a claims officer or a manager.

I've exhausted a lot of time and effort going back and forth. I've even called Chase to see if they had any ability to move this along, but they confirmed card benefit services is a contracted 3rd party used to deal with the insurance coverage provided by the card. It seems a little fraudulent to provide an insurance coverage in which a claim is nearly impossible to prove to receive coverage.

At this point, what are my options? Get an exec's email/phone number? Small claims and hope a company lawyer calls to settle?
Personal Finance Deals
Nationwide Bank $200 E-Checking Bonus available nationwide
Added on : Monday August 04th 2014 04:00:05 AM
g: 0 Posted By: BonusMeister
Views: 36 Replies: 0 I hadn't seen this posted here yet so thought I would share. This is a pretty easy deal. No hard pull, cannot fund with a credit card but minimum opening deposit is only $50.

You must receive $200 monthly deposit, 90 days after opening your account will be reviewed and the bonus will be posted within 2 weeks after that. $8 monthly maintenance fee can be avoided with a monthly DD of $25 or more OR a $10,000 daily balance.

http://www.nationwide.com/sem/nf-echecking-information.html

*How to receive the bonus: To get your $200, open a new E-Checking account by 1/12/2015 with a $50 minimum balance using offer code 02106460, then set up an automatic monthly direct deposit of at least $200 into your E-Checking account. The monthly direct deposit of $200 must be received within 60 days of opening the account. The account must remain open for at least 90 days to receive the $200 bonus. The $200 bonus will be deposited into your new account within 2 weeks following the 90 day minimum requirement. This $200 bonus offer is limited to one per household and is not available to existing checking customers. Nationwide Bank reserves the right to withdraw any offer at anytime.
Deposits Deals
g: 0 Posted By: remick
Views: 64 Replies: 0 http://www.amazon.com/gp/product/B00K95XH42

The Final Encounter (Complete Collection: 5 Books Full Series Bundle)



Short storyline



Book One: The Iron Axe


The pickaxe missed the creeper by a mile, and instead slammed into the tunnel floor. Cracks formed in the floor, and it fell away, taking the creeper with it down, down, into the red lava. It sizzled angrily as it fell, and vanished into the molten lake. Karl now stood on a single rock overhanging the lava lake. He wobbled, and jumped forward, grabbing the opposite ledge and hauling himself up safely.

This was the first time he had ever seen lava, and hoped it was the last. Now that he'd found the source of light, he knew he had to go further in order to find a route back upwards. However, the pickaxe gave him an idea. He turned to the wall of rock above him and started chipping at the rock with his pickaxe. It was slow work, but the steps he carved were worth the effort.

Soon Karl stood back on the first level below ground. This time, he was on the other side of the water that rushed over the path. He continued on eastward toward the unknown.


Book Two: Spiderbane


The black spindly monster edged closer, and stood tall above him. He looked up into its eyes, and felt as if his willpower were draining away into a dreamlike state. He shook his head to clear it, and swung at the creature with Spiderbane. The sword split the air where the monster had stood a moment before, and the cooing came directly from behind him.


Book Three: The Sword of Power


Zombies were around Karl as he staggered and fell forward. Arrows zipped overhead, punching three zombies in the chest and sending them back into the shadows of the chamber. Sparks flew and the smell of ozone filled the room as the caged chaos spawner lit up and spun wildly. Two more zombies appeared from nowhere, and this time lunged at Ruby as she was nocking another arrow. The first zombie swung wildly, and she dodged deftly, rolling to the side. The second zombie however swung low, and caught her in the side. Breath whooshed from her lungs as she rolled across the floor.


Book Four: The Nether Crown


Ruby was on the offense immediately. She unslung her magical bow, and nocked an arrow. She released the arrow just as the ghast belched forth a great fireball at them. The arrow caught the fireball, and spun it back at the ghast, but not before the arrow pierced the ghast's mouth as well. The ghast shuddered in mid air, and then the fireball hit, exploding around it with such ferocity, that nothing of the ghast remained to be seen.


Book Five: Return to Power


The zombie golems clashed with the spiders. Webs spun around several zombie golems, immobilizing them until they fell to the ground. The spiders set in upon the prone golems, and bit through the gold wires. The number of zombie golems slowly shrunk, and Tobin gestured wildly as he commanded the to attack. Three golems piled on one spider, and pulled it to the ground screeching as it fell beneath their undead fists.

The large cave spider and its rider, waited for the last dark spider to fall beneath the fists of the zombie golems. Then, it marched forward, all eight legs carved holes in the sand as it walked. Tobin and Karl stood side by side as the giant cave spider approached. Two zombie golems remained from the initial onslaught, and they shambled towards the giant cave spider and its rider. A large diamond blade, like a claymore, swept down from the top of the spider, and severed both zombie golems. They fell immediately, and Tobin's redstone light illuminated the rider as it strode into their campsite.

The rider was a squat elf, and wore a suit of dark chainmail armor. He glared at them over the saddle on the spider. He removed his helmet, and stepped down from the giant cave spider.
Totally Free Deals
HP - Pavilion 21.5" IPS LED HD Monitor $129.99 w/FS @ Best Buy
Added on : Sunday August 03rd 2014 08:00:04 PM
g: 0 Posted By: ctgolfer
Views: 122 Replies: 0 Ultrafast 7 ms response time
Allows pixels to change colors quickly to avoid streaking, blurring and ghosting in fast-moving scenes and video games.
21.5" LED-backlit display
Features a microthin, bezel-less design and includes a detachable easel stand for versatile placement options. Mercury-free backlighting and arsenic-free glass ensure safe use.
5,000,000:1 dynamic contrast ratio
Provides a high number of shades between black and white. This range enables accurate color reproduction when displaying images with extreme differences between light and dark for excellent picture quality.
250 cd/m brightness
For a highly visible display and clear on-screen images.
1920 x 1080 maximum resolution
Offers the highest number of pixels available for a full high-definition display.
178 horizontal and vertical viewing angles
Along with -5 to 25 tilt capability let you clearly see the screen from multiple vantage points.
VGA, DVI and HDMI with HDCP inputs
Enable connection of both digital and analog devices.
HP Enhance technology
Delivers super-crisp images and advanced noise reduction to bring your media to life.
HP My Display software
Lets you partition your screen, so that multiple application windows can be open at the same time, and allows you to save user-preferred settings for quick and easy start-up.
IPS (In-Plane Switching)
Provides a high level of color fidelity to ensure accurate image and color reproductions.
On-screen user controls
Include brightness, contrast, color, image control, OSD control, management, language and more, so you can make quick adjustments. Ten user-programmable modes allow customizable use.
Plug-and-play design
Enables simple setup of multiple monitors (additional monitors not included).

www.bestbuy.com/site/hp-pavilion-21-5-ips-led-hd-monitor/7294042...
Monitors Deals

Best Buy Coupons
HP - Pavilion 25" IPS LED HD Monitor $199.99 w/FS @ Best Buy
Added on : Sunday August 03rd 2014 06:00:03 PM
g: 0 Posted By: ctgolfer
Views: 86 Replies: 0 25" flat-panel LED-backlit widescreen display
With a thin, bezel-free design helps you maximize your workspace.
5,000,000:1 dynamic contrast ratio
Delivers accurate color reproduction with a high number of shades between black and white.
250 cd/m brightness
Ensures on-screen clarity and a high level of visibility.
1920 x 1080 resolution at 60Hz
Offers arresting high-definition images with precise detail.
178 vertical and horizontal viewing angles
Allow clear viewing from a wide range of vantage points.
Digital (DVI-D, HDMI) and standard analog VGA inputs
Let you connect both digital and analog devices.
IPS technology
Preserves colors and detail for a rich, vibrant display.
Preinstalled HP My Display Smart software
Allows enhanced control over a wide range of display settings.

www.bestbuy.com/site/hp-pavilion-25-ips-led-hd-monitor/7295041.p...
Monitors Deals

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

Some specifics about my financial situation:

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

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

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

Edit: A few more details:

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

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

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

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

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

Sams Club Coupons
g: 0 Posted By: MoogLiberation
Views: 127 Replies: 6 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

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

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

I'd be grateful for any and all ideas. Thanks guys.
Discussion Deals
Nintendoland Wii U w/ Luigi Remote Plus $29.99 Best Buy
Added on : Sunday August 03rd 2014 08:00:03 AM
g: 0 Posted By: mike96sc2
Views: 247 Replies: 0 A couple weeks back Best Buy had a daily deal on this for $39.99, I missed the deal and didn't get one.

Fast forward to today, I'm in my local store and I see it on the shelf on clearance for $42.xx. I decide to bite and then when I get to the checkout it rings up as $29.99. Cashier told me staff at the local store doesn't do a good job of keeping the current pricing on the shelf and that it was probably $29.99 everywhere.

BBY.com shows none in stock in my area, but I found about a dozen copies on the shelf, so I wouldn't trust their inventory checker.

Happy Hunting.
Wii U Deals

Best Buy Coupons
g: 0 Posted By: jskins
Views: 111 Replies: 0 ULTA 58-pc. Link to Beauty Blockbuster Set - $16.49 with coupon code205836 + free shipping on $50+ (or $5.95) at Ulta. 4.2/5 stars based on 41 customer reviews.

Set Includes:

48 Eye Shadow Shades
4 Blush Shades
2 Super Shiny Lip Glosses
4 Dual Ended Eye Liners

Makeup Deals

ULTA Coupons
Credit Inquires and credit score
Added on : Sunday August 03rd 2014 04:00:05 AM
g: 0 Posted By: weic6928
Views: 123 Replies: 2 Over the past 18 months I've refinanced my home loan, started a business, and also looked into a new mortgage loan (but didn't go through). As a result, I have alot of credit inquiries on my credit report.

Credit Karma now allows you to see the details of your credit inquiries, and I've noticed that the inquiries are not coming off until they are 2 years old. I had thought it would be one year? Can anyone offer any thoughts on this? This is what Credit Karma says about my inquiries:
"Applying for a new line of credit typically initiates a hard inquiry on your credit report. These inquiries typically remain on your report for two years."

We are going to start looking into buying a new home soon, and to limit the impact of multiple inquiries on top of what I already have, is it true that if I apply for loans within a certain period (2 weeks?), that the impact on my score will be essentially just one inquiry? How many can I apply for in a 2 week period for this to apply? Is this pretty rock solid true? Only double checking because I had thought it was understood hard inquiries "expire" after a year and now I'm finding that doesn't seem to be the case.
Credit Deals
Simple Solution Puppy Training Pads, 100 Count for only $25.99
Added on : Saturday August 02nd 2014 07:00:03 PM
g: 0 Posted By: mark159
Views: 94 Replies: 0 I've used a lot of brands of wee wee pads, and Simple Solutions is my favorite brand. I recently tried Nature's Miracle because, I couldn't get Simple Solutions at my local Petco. I placed the pad on the garage floor which is slightly sloped, my dog used it right in the middle just as she's supposed to. The urine flowed right off the pad and streamed down the floor (no, the pad was not upside down)I've never had this problem with Simple Solutions. The pads absorb, my dog can use them more than once, and they don't leak. They also seem to contain odor better than some other pads
now they are only $25.99 thecheapestprice i've ever seen so take advantage




http://www.amazon.com/Simple-Solution-Puppy-Training-Count/dp/B0...
Pets Deals

Amazon Coupons
g: 1 Posted By: aacdable
Views: 648 Replies: 1 My local Home Depot has theCharmin Ultra Soft Toilet Paper Mega Rolls, 328 sheets, 18 rolls = 72, on clearance for $13.
I used a 10% Lowes coupon to bring it down to $11.70.
I checked their web site and could not find it.

WalMart (for comparison) has it for $17.97.

This in Bridgewater, MA.

Not necessarily worth driving to your store for, but if you are there take a look or if you are near Bridgewater, MA they had plenty left (I only got four packs)
Health & Beauty Deals

Home Depot Coupons
Charmin Ultra Soft Toilet Paper Mega Rolls, Home Depot $13 - YMMV
Added on : Saturday August 02nd 2014 07:00:02 AM
g: 0 Posted By: aacdable
Views: 85 Replies: 0 My local Home Depot has theCharmin Ultra Soft Toilet Paper Mega Rolls, 328 sheets, 18 rolls = 72, on clearance for $13.
I used a 10% Lowes coupon to bring it down to $11.70.
I checked their web site and could not find it.

WalMart (for comparison) has it for $17.97.

This in Bridgewater, MA.

Not necessarily worth driving to your store for, but if you are there take a look or if you are near Bridgewater, MA they had plenty left (I only got four packs)
Health & Beauty Deals

Home Depot Coupons
g: 0 Posted By: ctgolfer
Views: 172 Replies: 0 shipping adds $5

Imaging: Pixels: Actual: 20.4 Megapixel
Effective: 20.1 Megapixel Sensor: 1/2.3" Super HAD CCD File Formats: Still Images:JPEG
Movies:MP4 Max Resolution: 20MP: 5152 x 3864 Aspect Ratio: 4:3, 16:9 Image Stabilization: Optical Color Spaces: sRGB

Optics: Lens: EFL: 4.5-157.5 mm(35 mm equivalent: 25-875 mm)
Aperture: f/3.0 (W) - 5.9 (T) Filter Thread: None Zoom: Optical: 35x
Digital: 70x Focus Range: Wide: 0.04" (1 mm) - Infinity
Telephoto: 4.92' (1.5 m) - Infinity

Exposure Control: ISO Sensitivity: Auto, 80-3200 Shutter: 2 - 1/1500sec in Auto Mode
1 - 1/1500sec in Program Mode
30 - 1/1500sec in Manual Mode Exposure Metering: Center-weighted, Multi, Spot Exposure Modes: Modes: Intelligent Auto, Manual, Movie, Program, Scene Selection, Sweep Panorama
Compensation: -2 EV to +2 EV (in 1/3 EV steps) Shooting Modes: Beach
Easy Auto Mode
Fireworks
Gourmet
High Sensitivity
Landscape
Night Portrait
Night Scene
Partial Color
Pet Mode
Pop Color
Snow
Soft High-Key
Soft Skin
Toy Camera Effect White Balance Modes: Auto, Cloudy, Daylight, Flash, Fluorescent, Incandescent, One Push, One Push Set Burst Rate: Up to .8 fps for up to 100 frames Self Timer: 10Sec, 2Sec

Flash: Flash Modes: Advanced Flash
Auto
Flash On
Off
Slow Sync Built-in Flash: Yes Maximum Effective Flash Range: Wide: 1.31 - 22.31' (0.4 - 6.8 m)
Telephoto: 4.92 - 11.81' (1.50 - 3.60 m)
Wide: Up To 44.95' (13.7 m)

Memory: Memory Card Type: Memory Stick Pro Duo
Memory Stick PRO HG-Duo
Memory Stick PRO Duo (High Speed)
Memory Stick Duo
SD
SDHC
SDXC
Memory Stick XC-HG Duo
Memory Stick Micro
Memory Stick Micro (M2)
microSD
microSDHC
microSDXC

Recording: Video Recording: Yes Resolution: 1280 x 720: 30 fps
640 x 480: 30 fps

Video: Audio Recording: With Video, Mono

Viewfinder/Display: Viewfinder Type: Electronic Screen: 3" LCD(460,800 pixels)

Connectivity/System Requirements: Connectivity: AV / USB Multi Wi-Fi: None Software System Requirements: Windows: Vista (SP2), 7 (SP1), 8
Mac: OS X 10.6, 10.7, 10.8

Power: Battery: 4x AA Batteries (not included)

Physical: Dimensions: 5.0"(W) x 3.5"(H) x 3.6"(D) Weight: 20.81 ozwith Battery and Memory Stick
In the box:

Sony Cyber-shot DSC-H300/B 20.1MP Digital Camera with 35x Optical Zoom
Multi-USB Cable


http://electronics.woot.com/offers/sony-20-1mp-digital-camera-wi...
Cameras Deals

woot! Coupons
Serta Hadley II Erurotop Queen Mattress Only $249.99 @ Sears
Added on : Friday August 01st 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 129 Replies: 0 5 Year Non-Prorated

FireBlocker Fiber

Pillo-Fill is a breathable material is designed to enhance both airflow and moisture wicking at the sleep surface.

Serta PillowSoft Foam is extra-soft foam that gently contours the body to provide enhanced cushioning.

Serta Comfort XD is an extra deep layer of soft yet supportive foam which gently cradles the body to help provide pressure relieving comfort.

460 SertaFlex EX Innerspring

Maximum flexibility and responsiveness.
Has increased surface coverage compared to other value-priced innersprings.
Alternating coil design enhances stability and strengthens mattress edges.

www.sears.com/serta-hadley-ii-erurotop-queen-mattress/p-08298704...
Bedding Deals

Sears Coupons
g: 0 Posted By: alamo11
Views: 0 Replies: 0 I know it's Fox but..

This is how unethical servicers make money!


One of the country's largest overseers of troubled home loans, Nationstar Mortgage Holdings Inc., is quietly trying to sell a $100 million insurance agency that doesn't appear to exist.Harwood Service Co. has no website, no independent offices and only a single registered agent. The switchboard operators at Nationstar's headquarters in Lewisville, Texas, haven't heard of Harwood. Call-center employees of Assurant Inc., the insurance carrier whose policies Harwood sells, say the company is just a name used to refer Nationstar business.Only one thing justifies Harwood's nine-figure price tag: The ethereal company has long collected commissions on high-priced insurance that Nationstar compels otherwise-uninsured homeowners to buy. If homeowners can't pay for this "force-placed" coverage, Nationstar forecloses on their homes and sends the bill to mortgage bond investors.New rules by the Federal Housing Finance Agency, investigations by state regulators and class-action settlements now prohibit servicers from collecting commissions on such insurance policies, and the country's biggest brand-name banks have renounced the practice.But some large subprime-mortgage servicers appear to be trying to skirt those rules. They are selling or have sold the nearly nonexistent insurance agencies or have already made profitable business arrangements to try to comply with the new rules.The multimillion-dollar deals illustrate how regulators are still wrestling with messy banking practices more than six years after the housing market's collapse. They also mean that newly sold insurance subsidiaries have an incentive to compel struggling homeowners to buy costly policies, to justify the high sales prices commanded when the insurance agencies were sold.Harwood collected more than $40 million last year on more than $200 million worth of insurance billed to homeowners, according to two people familiar with Nationstar's confidential sales pitch for the business but who spoke on condition of anonymity because they were not authorized to discuss it.Force-placed insurance is a type of backup property insurance meant to protect mortgage investors' stake in uninsured properties. Standard mortgages require borrowers to maintain homeowners insurance and authorize the loan's servicer to buy coverage when borrowers don't. If the borrowers don't pay for the new insurance, servicers foreclose on their properties and stick the bill to mortgage investors.Nationstar's first attempt to sell its affiliated insurance agency fell through early this month after The Associated Press raised questions about the deal, prompting New York's Department of Financial Services to take a look. Nationstar is still seeking to sell the insurance agency, said one person who is familiar with its efforts and requested anonymity to discuss its business affairs without authorization to do so publicly.Nationstar declined to discuss details of Harwood's business.In court, however, Nationstar has opted not to fight to defend its arrangements. Earlier this month, Nationstar and Assurant Inc. reached a deal to settle a class-action lawsuit in the U.S. District Court for the Southern District of Florida that alleged Harwood existed solely to "funnel profits" to Nationstar at borrowers' expense.It's unclear how or whether the Federal Housing Finance Agency, the industry's principal U.S. regulatory agency in Washington, will respond to such sales. In a statement, it expressed concern about the deals. But it said it could not stop servicers from selling their insurance agencies, even as it said it would work with Fannie Mae and Freddie Mac if the companies were circumventing the new rules.The nation's third-largest servicing company, Walter Investment Management Corp., disclosed in its Securities and Exchange Commission filings that rules banning commissions will cost it roughly $20 million a year and said it was "actively looking at alternatives" to giving up the cash. A spokeswoman, Whitney Finch, declined to explain further but said the company would comply with all rules and regulations.Another company, Carrington Mortgage Services LLC of Santa Ana, California, didn't sell its insurance agency. It just agreed to let someone else collect the profits.In an Irish bond prospectus filed last year, Carrington's parent company disclosed that a buyer had paid it $21.25 million in late 2012. If Carrington doesn't send back at least that amount to the agency's buyer in commissions, it will have to give back some of the money it received.Carrington executives denied that its obligation to deliver $21.25 million of commissions would in any way affect homeowners or mortgage investors, and noted that it is not subject to the finance agency rules because it services loans owned by private investors. In its Irish prospectus, however, Carrington warned that some regulators believe the commissions "may constitute an improper 'kickback'," and added: "Should any regulator decide to take action, we may be forced to pay restitution."

http://www.foxbusiness.com/markets/2014/08/01/some-subprime-mort...
Hampton Bay 2-Person Patio Swing - $51.00 w/ FS at HomeDepot
Added on : Friday August 01st 2014 10:00:05 AM
g: 0 Posted By: Savvymommy03
Views: 39 Replies: 0 HomeDepot has theHampton Bay 2-Person Patio Swing on sale for $51.00 with free shipping.

Frame is constructed from steel for lasting strength and sturdiness
Polyester fabric cushions are UV-resistant for lasting color
Fiber-filled cushions ensure comfort while swinging
Provides additional seating for up to 2
Light-brown frame finish complements cushion color
Fabric canopy shades the swing to keep you cool
Easy to assemble with the included hardware
g: 3 Posted By: VivYip
Views: 556 Replies: 5 credit techbargains

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

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

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

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

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

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

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

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



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

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

Tiger Direct Coupons
g: 0 Posted By: VivYip
Views: 383 Replies: 4 credit techbargains

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

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

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

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

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

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

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

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

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

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

Tiger Direct Coupons
Golden Lighting Chandelier With Parchment Shades $99 w/FS @ Itzaflash
Added on : Friday August 01st 2014 08:00:04 AM
g: 0 Posted By: ctgolfer
Views: 199 Replies: 0 DESCRIPTION

Specifications:

Brand: Golden Lighting

Type: Chandelier

Color: Antique Brass

Size: 26.2 x 30 x 26.2 in.

http://itzaflash.com/products/golden-lighting-chandelier-with-pa...
Home & Garden Deals
g: 0 Posted By: VivYip
Views: 227 Replies: 1 credit techbargains

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

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

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

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

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

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

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

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

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

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

Tiger Direct Coupons
DYSON 20% off at Target using Code
Added on : Friday August 01st 2014 07:00:07 AM
g: 1 Posted By: ichabod
Views: 60 Replies: 0 DYSON 20% off at Target using Code, DYSON20. FS on orders over $50 so a vacuum should qualify. I'm looking at the Dyson DC65 MultiFloor Upright Vacuum.for $499 online so it would be $399 with the 20% off. I was looking for a rebate or something to stack with the purchase but I could find nothing.

I had a Dyson for about four years when it died. I swore I would never pay the money for another Dyson. Got a Hoover this past Christmas for $149 and it is already toast. Why did vacuums used to last 20 years back in the 1970s?

http://www.target.com/sb/dyson-home-and-storage-org-dvm/-/N-56h3...


Appliance Deals

Target Coupons
g: 0 Posted By: remick
Views: 145 Replies: 0 http://www.uwishunu.com/2014/07/deal-alert-cool-off-with-free-co...

Participating Philadelphia-area locations include 30th Street Station, Rittenhouse, Liberty Place, University of Pennsylvania, Temple University, Ardmore Farmers Market, Haverford, Exton Square Mall, Haddonfield, Lansdale, and Plymouth Meeting Mall.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 56 Replies: 0 PlayStation 4 500GB console delivers powerful graphics and speed, deeply integrated social capabilities, connected gaming, intelligent personalization, innovative second-screen features and more for a comprehensive experience.
In Killzone: Shadow Fall, you'll respond to bold attacks, quiet infiltrations and all-out combat between two rival factions in a futuristic city.

www.bestbuy.com/site/ps4-500gb-console-bundle-with-killzone-shad...
PS4 Deals

Best Buy Coupons
Landlord Issue - Tenant Threatening to Sue
Added on : Thursday July 31st 2014 06:00:08 PM
g: -1 Posted By: krt
Views: 131 Replies: 4 Hi Everyone,

I had a tenant that violated my lease in two ways.
1) they had a dog when it was clearly stated that they could not have one without written approval.
2) they sub-leased the property without getting approval from us. (To a person with two dogs and a cat).

I didn't find out about either until I tried to contact the tenant with regard to many late rent payments. I initially emailed them and stated that I would let the late rent fees slide (I'm a pretty nice landlord) but this was before I realized they were being dishonest with me.

Once the lease ended, I didn't charge them a single dollar for any lease related issue, however, I took their entire security deposit for the cleaning required to remove pet dander from the house so I can rent it to allergy sufferers. It's very intensive (replace carpets, refinish hardwood floors, clean air ducts, etc.) and will cost more than their security deposit. I also charged them for all the late payments because once I found out they lied to me I lost my inclination to be lenient.

Now they're threatening to sue stating that I already told them I won't charge for the late rent. And they're stating that since I didn't point out the pet dander during the final walkthrough it's an invalid charge as well. The security deposit is less than 4K. I assume this will go to small claims court.

Any advice would be helpful. Thanks in advance! Note: There's more to this but that's the summary.
Question Deals
Services to send money using your credit card besides Paypal
Added on : Thursday July 31st 2014 02:00:06 PM
g: 0 Posted By: Brody44
Views: 149 Replies: 2 Hi guys,

I spent hours doing research, making calls testing platforms and I'm surprised to see I've come empty handed.
Like a lot of people I've had issues with Paypal and I'm looking for a similar solution that would basically allow me to send money/payment using any credit card.

There are a bunch of services that allow transfer from bank account or prepaid cards but rarely do they offer the option to transfer via a CC. (Square, Skrill, etc.) or they are limited to one brand (e.g. Payza)
There is Moneygram and Western union and the like and they charge