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contingent basis lawyer question in california
Added on : Tuesday July 22nd 2014 09:00:06 PM
g: 0 Posted By: xlawabidingcitizenx
Views: 31 Replies: 0 My sister had a slip and fall accident over the weekend at a local spa and broke her arm. And she hired a personal injury lawyer on Monday. She got a call from our uncle today saying that he's friends with the spa owner and asked her to stop with the lawsuit and break the retainer agreement with the lawyer since he'll have his friend pay for all the medical bills and any other expenses arise due to the injury.
But I'm thinking it's not as easy as it sounds since she's retained the lawyer on a contingent basis. I've told our uncle about it but he's saying that it should not be a problem at all if any fees or expenses incurred since Monday is paid in full.
Is this true?
Question Deals
Life insurance - where to start?
Added on : Tuesday July 22nd 2014 05:00:07 PM
g: 0 Posted By: peteron
Views: 130 Replies: 0 Hi Fwers, the other day I read an article on the cost of raising a child in the states, and the article has the idea of buying life insurance, so that the financial security of a family wont get hurt if anything bad happens to the parents. My wife and I are both in the 25-30s, and I recently started to work. My wife is in her final year in graduate school. We have a 2 year old. I never had any experiences in life insurance, and I donot think my parents have ever had it for themselves or me. My wife and I donot have health problems, but I had a chronic disease when I was little. I was treated but not cured (since it is not curable), so there might be a chance it may come back. And you know, bad things could happen to good people...I feel I (and mybe my wife as well) need to get into the life insurance market.I sometimes get ad booklets from my bank (alliant credit union), but I never looked at it. I want to hear about what people here say about buying life insurance. Where should I start? Are there any good options now?
Question Deals
Igloo 100 quart Cooler $29.98 Target Clearance YMMV
Added on : Tuesday July 22nd 2014 01:00:02 PM
g: 0 Posted By: Joelrules000
Views: 198 Replies: 0 Saw an Igloo 100 quart cooler on clearance at my local Target in Florida for $29.98 marked down from $59.99. Picked one up, they had a few left.

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

Target Coupons
g: 1 Posted By: McLovin
Views: 9 Replies: 0 Office Star 5500 Mesh Back Office Chair $130 F/S @Wayfair with 10% New Customer Coupon

I've been using this chair at the office for quite a while now and really like it. I was looking for one for home office use. Amazon had it for $145, but wouldn't ship for 1-2 weeks, so as I looked around, I found it at Wayfair for the same price. They have a new customer 10% off coupon that takes it down to $130.65 with F/S.

Order Summary
Number of Items 1 Product Cost $145.17 Shipping $0.00 Discount: ($14.52) Tax: $0.00 Total: $130.65


A price history look up for this chair on Amazon shows $110 as the lowest price ever, but that also had $30 shipping.

You can also earn an additional $3.91 in Cash Back rewards from FW.
g: 0 Posted By: tedhawkins
Views: 172 Replies: 0 Chauvet Lighting FreedomPar Quad-5 RGBA Wireless Quad Color LED Wash - Black $249.99 FS Pssl

http://www.amazon.com/Chauvet-Lighting-FreedomPar-Quad-5-Wireles...

Product Description

The Freedom Par Quad-5 pairs the familiar Freedom Par form with high-power quad-color LEDs. Five, 5-watt RGBA quad-color LEDs produce vivid, saturated colors and nearly eliminate multicolored shadows. A completely wireless DMX control option is available and made easy using built-in battery power and an integrated D-Fi 2.4 GHz system. For even easier operation when wireless DMX isn't needed, point-and-shoot operation is available using the IRC (infrared remote control).
Features

100% TRUE wireless, battery-operated, quad-color LED Par with built-in D-Fi 2.4GHz wireless control Create rich colors and pastels with amber LEDs Master/slave wirelessly using D-Fi 2.4 GHz with other Freedom fixtures for a coordinated light show Send and receive wireless DMX signals using the built-in D-Fi 2.4GHz transceiver Create coordinated light shows by linking other COLORstrip, COLORstrip Mini and Freedom fixtures in master/slave mode using D-Fi 2.4GHz technology Extended run time of up to 20 hours with the rechargeable, lithium-ion battery Achieve precise color mixing with 5 (5W) quad-color LEDs Extend the batterys lifespan with built-in discharge protection Shine light where it is needed using the adjustable, tilting head Access built-in, eye-catching automated and sound-activated programs via wireless DMX, IRC remote or master/slave mode IRC remote provides wireless non-DMX control Compact design easily fits inside sticks of TRUSST Easily charge, store and transport your fixtures from gig to gig in the Freedom Charge P
Specifications

DMX Channels: 4 or 5 DMX Connectors: 3-pin Light Source: Light Source: 5 (quad-color) 5W (350mA x 4) LEDs 50,000hrs Beam Angle: 24 Field Angle: 48 Operating Frequency: 2.433 - 2.481GHz Illuminance: 605 lux @ 2m Maximum Run Time (all on): up to 8hrs Maximum Run Time (single color): up to 20hrs Recharge Time: 6hrs Power Linking: 12 units @ 120V; 20 units @ 230V Input Voltage: Auto-ranging 100-240VAC 50/60Hz Power and Current: 110W, 0.9A @ 120V 60Hz Power and Current: 116W, 0.5A @ 230V 50Hz Weight: 9.9lbs (4.5kg) Size: 9.3 x 8.5 x 8.8in (236 x 215 x 223mm) Included Controllers: IRC Approvals: CE, FCC

Bullet Points

DMX Channels: 4 or 5
DMX Connectors: 3-pin
Light Source: Light Source: 5 (quad-color) 5W (350mA x 4) LEDs 50,000hrs
Beam Angle: 24
Field Angle: 48
Operating Frequency: 2.433 - 2.481GHz
Illuminance: 605 lux @ 2m
Maximum Run Time (all on): up to 8hrs
Maximum Run Time (single color): up to 20hrs
Recharge Time: 6hrs
Power Linking: 12 units @ 120V; 20 units @ 230V
Input Voltage: Auto-ranging 100-240VAC 50/60Hz
Power and Current: 110W, 0.9A @ 120V 60Hz
Power and Current: 116W, 0.5A @ 230V 50Hz
Weight: 9.9lbs (4.5kg)
Size: 9.3 x 8.5 x 8.8in (236 x 215 x 223mm)
Included Controllers: IRC
Approvals: CE, FCC
Electronics Deals

Amazon Coupons
Shady Gas Stations?
Added on : Tuesday July 22nd 2014 09:00:13 AM
g: 3 Posted By: naranja
Views: 37 Replies: 1 I've been pumping my own gas since that became a thing back in the 1970s. I always buy "regular". Within the past month I've been "tricked" into buying premium at two stations.

The first was at a QT. I swear I hit the regular but after filling up I saw I was charged for premium. I chalked it up to operator error maybe the hose hit premium or something. A week later at the same station a family member had it happen only they caught it before they started pumping, reset and all was ok. I suppose it could have been operator error twice but we just avoid that station now.

Cut to yesterday at an Exxon station. Unlike every other station I've been to "Premium" is the first button to the left where one would instinctively hit for "Regular". Luckily I was paying attention and caught it before I started pumping. I bet lots of folks are fooled. Pretty sneaky in my book.
Discussion Deals
g: 0 Posted By: quasarcat
Views: 207 Replies: 0 At Lancome buy one shade of Au Revoir Color Fever Gloss and get a second shade free. Limited time only, while supplies last.
A maximum of 5 units of a single item may be placed in one order. No more than 5 orders may be placed in a 30 day time period. Only one discount offer may be applied to each order. Offer may not be combined with any other deluxe sample offer, additional discounts or the purchase gift sets or e-gift cards.

Free shipping plus free sample on orders of $49 or more.

http://www.lancome-usa.com/


Beauty Deals

Lanc�me Coupons
g: 0 Posted By: valuemama
Views: 139 Replies: 0 $83.00 3 Piece Rocking Outdoor Bistro Set was $198

This offer is available through shopathome.com. enter WalMart in the search bar and look for the daily deal button.
there is approximately 11 hours left on this promotion. You need to click through that special button
to receive your 15.00 dollar credit. It will post within 30 days. you will also receive an additional 5% CashBack too.
I just purchased one as I had my eye on this set for sometime. I saw it in store and it was really nice. It has good reviews
as well. Special InstructionsOffer applies to the Mainstays Willow Springs 3 Piece Rocking Outdoor Bistro...More
List Price: $198.00 Website Price: $98.00 Coupon Code:N/A -$0.00 Daily Deal Cash Back Reward -$15.00 [?] Your Price
total savings: 58.08% $83.00

Furniture Deals

Walmart Coupons
86% offer on iBoost Foldable Stereo Headphones!!
Added on : Tuesday July 22nd 2014 06:00:09 AM
g: 0 Posted By: alexrandall
Views: 201 Replies: 0 I have Seen This Product On Tanga . iBoost had the perfect solution with these foldable stereo headphones, whose cool, compact build and big, clear sound make them the perfect choice for on-the-go tunes. Actual price $99.95 but now just $13.98 you save upto $85.97 Guess the offer expires but no idea Avail soon!!

Click Here To Buy This Product

Headphones & Speakers Deals

Tanga Coupons
g: 0 Posted By: ShoppingChick
Views: 0 Replies: 0 Newegg had the Keurig Vue V500 Single Serve Brewing System w/ Bonus 8-count Vue Variety Box on for $119.95 - $50.00 promo codeEMCPCHH94= $69.95 with free shipping.

Fully programmable black and white Touchscreen
Brews in under one minute
Strength & Temperature control
Seven brew sizes
Removable 60-oz. water reservoir
Removable drip tray with adjustable plate

The next lowest price on Google Products is from Bed Bath and Beyond for $99.99.
g: 0 Posted By: st4rdust
Views: 163 Replies: 0 Sephora has the Ciate Sugar Caviar Manicure(Lemon Fizz or Tutti Frutti) on sale for$12.50with free shipping on orders of $50 or more to avoid the $5.95 shipping fee.

3.1/5 stars based on 29 customer reviews. From what I've seen/heard about this popular item, it is not meant to be long lasting. It is more for special occasions. I recommend "bookending" your manicure as well as using a generous amount of topcoat in order to get the best results. I have never had a problem with mine. It looks like the negative reviews are often from customers who used the product incorrectly.


Lemon Fizz Caviar:
- 0.72 oz Caviar Pearls in Lemon Fizz
- 0.46 oz Nail Polish in Loop The Loop
- Funnel for Pearl

Tutti Frutti Caviar:
- 0.72 oz Caviar Pearls in Tutti Frutti
- 0.46 oz Nail Polish in Hoopia
- Funnel for Pearl
Makeup Deals

Sephora Coupons
g: 2 Posted By: darrenwlsn
Views: 307 Replies: 4 http://www.amazon.com/gp/product/B00L8UL2PIi actually bought this exact charger sat. 7/1914 then today i goto product page to check if they had it white and i see theres a deal on it now: $19.99 after coupon code "RFDHWDGK" (both Black and White color available) so i called customer service and they took care of me and gave me the discounted price on my saturday purchase so props to aukey for that so figured i would share my find and selling price on Amazon was $35.99 and i used it and love it so hope someone needs a nice powerbank.
Batteries & Chargers Deals

Amazon Coupons
Art Collector racks up 422 million in rewards on Amex Centurion
Added on : Monday July 21st 2014 03:00:08 PM
g: 0 Posted By: RedCobra
Views: 43 Replies: 0 http://news.artnet.com/art-world/chinese-collector-uses-amex-to-...

I wonder how long it would have taken him had he cleaned out every supermarket in China
MEN'S PUMA RS100 - F/S - $32.99-$34.99 at 6PM.com
Added on : Monday July 21st 2014 10:00:09 AM
g: 2 Posted By: jacqcamer
Views: 203 Replies: 1 MEN'S Puma RS100 - F/S - $32.99-$34.99 at 6PM.com

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


4 Style Choices


MSRP: $70.00

Sale: $32.99 - $34.99


FREE Shipping



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

6PM Coupons
Verizon FiOS Triple and Double Extra $75 gift card
Added on : Monday July 21st 2014 10:00:07 AM
g: 0 Posted By: SPIDER4RE
Views: 128 Replies: 0 So my FiOS promotion ran out (and they would not extend any promos) so I switched back to Comcast for 30 days and then signed up under my wife's name (different last name) through my buddy's moving company (he has a relationship with a reseller). I was able to get the best pricing online for the triple plus I got a $75 visa gift card on top of the Verizon Card. Important to note that I had to call to get my activation fee waived ( I waited until the install was done then called Verizon and threaten to cancel if it was not waived -- told them my sales person explained the fee, but I saw that the online offer waived the fee. They caved immediately) Do a google for install with one call. Ask for Joe.
Services Deals

Verizon Wireless Coupons
g: 0 Posted By: quasarcat
Views: 175 Replies: 0 At Pottery Barn you can get free shipping with promo code FREESHIP today only. Offer valid Monday 7/21 through 11:59pm PDT.
Free shipping offer excludes furniture. Valid on in-stock items only.

Sales online and in stores: 15% off all patterned duvet covers
15% off drapes and shades
Up to 50% off best-selling furniture and wall decor. Ends 7/23.

http://www.potterybarn.com


Decor Deals
Financial considerations of lasik eye correction surgery
Added on : Monday July 21st 2014 06:00:05 AM
g: 0 Posted By: JrcWy
Views: 200 Replies: 4 I'm thinking about getting lasik to correct nearsightedness I've had since childhood. I wouldn't base such a decision solely on price but want general advice and tips from the FWF crowd with experience in this area. I've considered the strategy of loading an FSA in advance to cover the cost tax free. What are opinions on the warranties offered to touchup later on? Do you have to incur the cost of regular check-ups to get this option? Is a doctor that is offering some unique or new technology with a price premium worth it or is a lot of this just a way of harvesting money over the standard procedure? Are there any ongoing costs you didn't foresee?

More than these questions, I'm just looking for advice and thoughts you might have with your (now 20/20) hindsight that I haven't even considered.
Personal Finance Deals
Free Kindle Book- Secrets for Hunting Elk
Added on : Monday July 21st 2014 05:00:06 AM
g: 1 Posted By: remick
Views: 119 Replies: 0 http://www.amazon.com/gp/product/B008KQA40W

The quickest, easiest (if there is an easy way) and safest way to find and take that bull elk of a lifetime will be to hunt with a guide. Chad Schearer, a longtime Montana guide and TV personality, told me, "My hunter is my gun. If I get to the elk, and my hunter isn't with me, then we don't take the elk. My job is not only to find the elk but also to help the hunter get to the elk and make the experience as enjoyable as I can for him." That's the kind of fella with whom I want to go elk hunting.

An elk hunt can be tough, but it doesn't have to be so tough that you don't enjoy it. That's why this elk hunting book starts with the confessions of an elk guide and with Chad Schearer's philosophy of what the guide and the hunter's relationship should be. A good portion of your success will depend on your physical condition, and Matt Morrett of Harrisburg, Pennsylvania explains how an eastern hunter can get ready physically during June and July to hunt western elk, the animals he describes as, "Like deer or turkeys on steroids." Wayne Carlton, well-known elk hunter and TV and video personality from Montrose, Colorado, tells us what types of elk calls to use and what to say to the elk. Mike Miller of Colorado, another elk guide and Mossy Oak video personality, has tactics for the best equipment for bowhunting and gun hunting elk. You'll learn helpful strategies and hunting tips in this book, as well as some straightforward hunting methods that will help to make your elk hunt more successful.
Totally Free Deals
g: 0 Posted By: VivYip
Views: 205 Replies: 0 just saw this...

http://www.groupon.com/deals/krispy-kreme-12-washington-dc

Choose Between Two Options
$8.50 for two dozen Original Glazed or assorted doughnuts (a $16.98 value)
$19.50 for five dozen Original Glazed or assorted doughnuts (a $42.45 value)
Customers who purchase this Groupon may also sign up for Krispy Kreme's e-club here to receive an additional Original Glazed doughnut for enrolling, plus a free doughnut and small coffee on their birthday.

To receive the free doughnut and birthday coupon, select one of the participating locations as your preferred location when signing up.

The Fine Print
Expires 30 days after purchase. Limit 10 per person, may buy 10 additional as gifts. Valid at listed Krispy Kreme locations only. Not valid at supermarkets or convenience stores. Customers who purchase this Groupon may also sign up for Krispy Kreme's e-club to receive a free doughnut for enrolling & a free doughnut & small coffee on their birthday. To receive the free doughnut & birthday coupon, select one of the Groupon participating locations as your preferred location. Customers who do not use their voucher by the expiration date will be refunded their purchase. Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services.

The DC area listed 4 locations:

Krispy Kreme Alexandria
6332 Richmond Hwy
Alexandria, Virginia 22306
703-768-1002
Get Directions

2
Krispy Kreme Fredericksburg
1891 Carl D Silver Pkwy
Fredericksburg, Virginia 22401
540-785-4368
Get Directions
3
Krispy Kreme Rockville
14919 Shady Grove Rd
Rockville, Maryland 20850
240-453-0334
Get Directions

4
Krispy Kreme Washington
1350 Connecticut Ave NW
Fl 9
Washington, District of Columbia 20036
202-463-0414


Hope this might help someone save money on doughnuts. Thank you for reading
Restaurants & Entertainment Deals

Groupon Coupons
g: 0 Posted By: remick
Views: 37 Replies: 0 http://www.amazon.com/gp/product/B007T07ZMK

4.4 out of 5 stars (98 customer reviews)

Not Just For Photographing Children, This E-Book Will DRAMATICALLY Improve Your Portraits!

Revised and expanded edition!
Once you have digested this easy to read and easy to understand "On Target Photo Training", you will be well on the way to shooting amazing photos... Ones that win photo contests! Or bring tears to the eyes of parents... isn't that what you got into photography to do?


Within about an hour - you will not only understand all the photo theory - but you will know how to apply it as well!
This volume of the "On Target Photo Training" series, is not just about photographing children but, various types of light and light manipulation. These are key elements that affect most every shot and that most of us will encounter on an almost daily basis.

Here is a copy of the Table Of Contents to give you a feel for what is included...

Introduction
Photographing Children - Tips, Tricks And Ideas
Children's Photography Covers A Lot Of Ground!
The 18/18 Rule!
Keep Your Camera Ready!
Go For An Emotion!
Be Decorative
Show Your Creative Intent
Capture Personality
Complement Your Subject
Photo Projects To Save Your Camera - And Your Kids!
Finding Your Personal Style
Special Vision
Make Sure Your Photographs Tell A Story!
How To Find The Story
Shoot Like A Sniper!
Natural Light
Pros Of Using Natural Light
Cons Of Using Natural Light
Sunlight Directly Into The Face
Back-lit Subjects
Open Shade
Window Light
Raccoon Eyes
Shoot When It Is Overcast
Natural Light Manipulation
Soften The Harsh Shadows Of Direct Light
Make Skin Tones "Pop"
Backdrops In Natural Light
Available Light
Pros Of Using Available Light
Cons Of Using Available Light
For Best Results
"Available Light" Manipulation
On Camera Electronic Flash
Pros Of Using Electronic Flash
Here Is A Flash Photography Photo Tip That Will Save You Money - And Get You More Shots!
Freeze The Action
Cons Of Using On Camera Flash
How To Eliminate The Dreaded Red, Green and Blue Eye Effect In Your Photography!
Ring Lights
Tips For Using Your On Camera Flash
You NEED Shadows!
Don't Use Your Flash At Full Power
Studio Strobes
Pros Of Using Studio Lights
Cons of Using Studio Lights
Studio Strobe Manipulation
Shooting
Preparation
Lighting Pitfalls
Catch Lights
Lighting The Portrait
The Shadow In Portrait Photography
The "Short Light" And The "Broad Light" Patterns
The Split Light
The "Loop Lighting" Pattern
The "Rembrandt Light"
The "Butterfly Light" Pattern
The "Fill Light"
The "Lighting Ratios"
The "Background Light"
The "Hair Light"
The "Accent Light"
The "Three Light Set" Using One Light!
Photo Exercise
Additional Photo Training
Totally Free Deals
g: 0 Posted By: st4rdust
Views: 174 Replies: 0 Ulta is offering a selection of beauty essentialswith items priced between $1.00 and $5.00. Shipping is $5.95, or free on orders of $25 or more.


$1.00 Items:

Automatic Lip Liner
Automatic Eye Liner
Lip Pencil

$2.00 Items:

Eye Liner
Salon Nail Lacquer
Pro Nail Lacquer

$3.00 Items:

Mousse Blush
Lipstick
Tinted Lip Balm
Cheek Color

$4.00 Items:

Eye Shadow
Lip Color

$5.00 Items:

Mascara
Powder
Bronzer
Foundation
Sculpting Palettes
Concealer
Complete Eye Palettes

Beauty Deals

ULTA Coupons
g: 0 Posted By: hellokitty27
Views: 34 Replies: 0 Nordstrom has the Kate Spade Branton Square Healy Leather Tote (Assorted Colors)for $265.90 w/ free shipping. Available in Black, Brown Sugar or Shadow Stone.

Magnetic- snap-tab closure
Exterior slip pocket
Interior zip divider; zip, wall and cell-phone pockets
Signature jacquard lining
Signature bow at base
Leather
g: 0 Posted By: hellokitty27
Views: 102 Replies: 0 Sephora has the Moonshadow In The Tropics Baked Eyeshadow Palettefor $15.00 w/ $5.95 shipping or free shipping on orders $50+. 4.3/5 stars based on 81 reviews.

Contains 10 eyeshdaows: Peru (pearly olive green), Belize (shimmery dark pink), Barbados (soft, pink sand), Seychelles (warm pearly golden pink), St. Vincent (shimmery white), Grenada (deep pearly purple), Bermuda (sparkly light orchid purple), Fiji (silver shimmery lilac), Martinique (golden yellow sparkle), and St. Lucia (shimmery cream).
Makeup Deals

Sephora Coupons
Suggestions & advice requested for my financial situation
Added on : Sunday July 20th 2014 08:00:08 AM
g: 0 Posted By: peps2004
Views: 74 Replies: 0 Me:Earn approx $40k as contractor for non-US company (telecommute) and have additional income of approx $10-$15k from websites & book sales
Wife: Earns 32k working for local government

I'm trying to work out whether there's any benefit in setting myself up as an LLC, S-Corp or something like that. n.b. I'm not from the US, so I'm not as clear as I'd like to be on the tax rules here.

As I'm self-employed and the company I work for is based overseas, I don't get a W2 or 1099, meaning I have to pay the 15.2(?) tax myself - from what I'm aware there's no way round this (or is there?).

We currently file taxes jointly and I'm not sure if it's worth the hassle and expense of setting up a business for my income unless there are some kind of clear tangible benefits. This could be in the form of reduced tax, but also possibly other benefits.

For example, if setting up as a business, would I then be able to double dip on credit card rewards? e.g. Could I use the business revenue to apply for business reward cards, then use the same income to apply for personal cards? I'm not looking to do anything shady or fraudulent, but didn't know if this is a common workaround that's allowed.

Any other suggestions or advice gratefully received.
Personal Finance Deals
g: 0 Posted By: st4rdust
Views: 86 Replies: 0 Today only, E.L.F. Cosmetics is offering their 22-pc. Bestsellers Collectionfor $20.00. Get free shipping on orders of $35 or more with coupon code "FS35". Limit 3 sets per shipping address.


Includes:

Studio Baked Eyeshadow Palette in NYC (a dupe of Sephora's "In The Dark")
Essential Dump Bag in Black
Pressed Mineral Blush in Sweet Retreat
Mineral Eyeshadow Primer in Sheer
Studio Angled Blush Brush
Studio Flawless Concealer Brush
Studio Small Angled Brush
Studio Eyeshadow "C" Brush
Studio Eyelash Curler
Studio Matte Lip Color in Coral
Mineral Eye Liner in Black
Essential Nail Polish in Nude
Essential Shimmering Facial Whip in Lilac Petal
Full Travel Insurance on Credit Card
Added on : Sunday July 20th 2014 02:00:07 AM
g: 0 Posted By: europea
Views: 5 Replies: 0 Can anyone confirm a US credit card which offers full medical travel insurance? I'm late 20s and have been working overseas since college. I've gotten quite used to the full insurance on my Australian card
http://www.anz.com.au/resources/1/e/1e671c004451aa4a80a2eefb15aa... : said: We will cover you for: (a) medical, hospital and ambulance expenses you incur as a result of an illness, injury or death; or (b) dental treatment expenses you incur as a result of an injury to healthy natural teeth; that you suffer while you are overseas, or onboard a cruise that includes a scheduled stopover at an international port.

Since I'm heading back to the states next year I've been looking through all the usual banks and posts here (and some of the less usual ones) but have not had any luck. All the travel insurance seems to be limited to "common carrier" insurance. For instance, the ML benefits description is as follows:
[S=https://card.ml.com/cms/published/root/rps/pdf/Online_MERRILL_Pl... said: https://card.ml.com/cms/published/root/rps/pdf/Online_MERRILL_Plus_Insurance_Benefits_July_2014.pdf:]"As[/S] a Cardholder, you, your spouse or domestic partner and your dependent children will be automatically insured up to one million dollars ($1,000,000.00) against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any Common Carrier on which passage has been purchased for the Insured Person;"
(Emphasis mine)

My first post
Credit Deals
g: 0 Posted By: st4rdust
Views: 106 Replies: 0 Today only, Amazon is offering a PC Digital Download of The Elder Scrolls V: Skyrim(Legendary Edition) for$13.59.

This is the Legendary Edition, so it includes all the DLC - Dawnguard, Hearthfire and Dragonborn.

There are no words for how much I love this game. If you have not played it and have ever even had a fleeting thought about wanting to, I highly recommend it. I have played it on the PC and didn't like it nearly as much as on a console, solely for the fact that the controls kind of weirded me out. I think it is much more fluid with a console-style controller.

Reviews:

4.5/5 stars based on 278 reviews on the product page.

94 from critics and 8.3/10 from 6,345 users at Metacritic.

9.5/10 from IGN.



Video Games Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 151 Replies: 1 bellpierre Beauty Sets
Beauty Box or Travel Essentials kit
Create stunning looks for day or night
Mineral lipstick is formulated with natural waxes, mineral pigments, and Vitamins C and E
Moisturizing lipstick for color that stays put
Eye shadow palettes include mirror and applicator
Beauty Box Day or Evening Collection includes Envy or Mandarina lipstick, one (1) waterproof black liquid eyeliner, one (1) voluminous black mascara, one (1) eye shadow brush, and one (1) shimmer powder eye shadow
Travel Essentials Day or Evening Collection includes: Envy or Fierce Lipstick, one (1) black eyeliner pencil, one (1) black mascara, 24 Karat Taupe or Smokey Bowtie 3 color eye shadow palettes
Brand: bellpierre Cosmetics
Model: NKBB001, NKBB002, NKTE001, NKTE002
Condition: New
Warranty: 30 Day
Packaging: Retail
Expected to ship within 1-3 Business Days

http://1sale.com/fashion/other/bella-travel-set/
Beauty Deals

1Sale.com Coupons
HP - Pavilion 23" IPS LED HD Monitor $149.99 w/FS @ Best Buy
Added on : Saturday July 19th 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 105 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.
23" LED-backlit display
Features a microthin, bezel-less design and includes a detachable base 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 @ 60Hz
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-D 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 Smart 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 dual-monitor setup (additional monitor not included).

www.bestbuy.com/site/hp-pavilion-23-ips-led-hd-monitor/7294734.p...
Monitors Deals

Best Buy Coupons
Job Resignation Cirumstances
Added on : Saturday July 19th 2014 09:00:12 AM
g: 0 Posted By: Dus10
Views: 103 Replies: 1 To keep a long story short, my wife has had significant health issues for seven years. At times they are worse and they are currently getting there. She is a nurse and as things have gotten worse she has missed some work and despite stellar performance and accolades from the doctors she works with was placed on a sort of probation due to some absences (all backed up with medical documentation). She has an upcoming surgery and she was planning to take leave for that period and had approval for that time off. She changed her mind as she found out she would have subsequent unrelated surgeries in the following months and put in her two weeks notice. She worked through the notice and it was obvious that she was being treated poorly because they had her floating to other departments every day. On her last day, she was signing her paperwork finalizing her resignation and it was stated in the documentation that she would be ineligible for rehire; as her boss wasn't present, nobody could give her an explanation other than her boss indicated she would know why.

Normally, I would be concerned with such a thing, but she works for a very large health system and this will significantly reduce her employment options going forward, should she decide to return to the workforce. Since all of this is due to her health, it really seems inappropriate. What sort of direction should be take? Should we consider speaking with an employment attorney to get this removed from her employment record? All of the doctors loved working with her as she was competent and hard working... I could easily see them being appreciative of having her as a nurse on their staff in the future as they work at multiple hospitals (all within the same system) and she could simply work in a different office.

It really seems like they were trying to get her to quit prior to her notice so that they could have a more legitimate reason for the statement in her employment record. As we have little desire to move elsewhere, this sort of thing will be very problematic as there are only three other major health systems in the area and they all pretty much control everything in the area, whether that is nursing homes, doctors offices, etc.
Question Deals
Making money on the side at foreclosure sales.
Added on : Saturday July 19th 2014 07:00:08 AM
g: 0 Posted By: atikovi
Views: 114 Replies: 2 I was watching HGTVs Flip It To Win It show about flipping foreclosures. It shows buyers bidding against each other to win a house. Say you know another bidder really wants a house that is worth about $500,000 and you are pretty sure he will bid that high and so will you. Why not make a deal with him that if you stop at $450,000, and he gets the house for the next bid, he pays you $10,000? He gets the house for $40,000 less than what he would have to pay if you had kept on bidding, and you get a quick $10K. Is this a realistic proposition?
Investing Deals
g: 0 Posted By: ctgolfer
Views: 85 Replies: 0 54-5/8" screen measured diagonally from corner to corner
To ensure optimal viewing in large rooms.
VESA 400mm x 400mm compliant
For simple wall mounting (with optional mounting kit, not included).
Roku streaming stick included*
Plugs into the MHL port, providing extended-range, dual-band wireless connectivity, so you can easily access more than 1,000 entertainment channels.
4,000,000:1 dynamic contrast ratio
Offers a wide range of shades between black and white to deliver a vibrant picture.
120Hz refresh rate with AquoMotion 240
Helps ensure fast-motion scenes remain clear.
1080p display
Provides a highly detailed picture and is ideal for 1080p-capable content, including Blu-ray movies.
2 bottom, down-firing 10W speakers
Along with virtual surround create a robust soundscape.
Inputs
Include 3 HDMI (1 MHL), 1 shared component/composite video with stereo audio and 1 F-type antenna (down).
Outputs
Include 1 audio.
3 HDMI inputs
HDMI cable not included. High-speed HDMI cable is the only connection that can deliver a full HDTV experience with a full 1080p picture and digital surround sound.
USB port
Allows you to access JPG, MP3 and MPEG-2 files stored on compatible USB devices.
*Requires high-speed Internet and wireless router. Premium subscriptions not included with purchase. Designed for use with this TV only.

www.bestbuy.com/site/sharp-55-class-54-5-8-diag--led-1080p-120hz...
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An edgy combination of nubuck and calf leather in three shades of green with a uniquely shaped wooden wedge that embodies the McQueen aesthetic. Signature box included.
g: 0 Posted By: Deals4mykids
Views: 189 Replies: 0
Each package contains 8 - sheets of 6 3/4"x4.5" ThinSkin - Enough to cover 280 square inches
Available in 6 licensed patterns - Mossy Oak Obsession, Mossy Oak Shadow Grass, Realtree Max 4, Realtree Max 1, Realtree Hardwoods HD and Realtree Hardwoods HD GREEN
Perfect for all rifles, paintball guns, bows, trail cameras, packs, or anything you want to camo up

http://www.7deadlydeals.com/home.php?id=38371

Sports & Outdoors Deals
1/4", 3/8", 1/2" Torque Wrench $11.99 with coupon @ HFT
Added on : Friday July 18th 2014 05:00:02 AM
g: 0 Posted By: logster
Views: 43 Replies: 0 Can't go wrong for $11.99 with coupon 29881389

http://www.harborfreight.com/1-2-half-inch-drive-click-type-torq...
http://www.harborfreight.com/3-8-eighth-inch-drive-click-type-to...
http://www.harborfreight.com/1-4-quarter-inch-drive-click-type-t...

You don't need to print the coupon if you pick it up in store - just tell them the coupon number verbally and they will give you the discount. Sale is all month long and they had tons in stock at the store I went to today so no rush.
First experiance with WU for getting money. Cheaper then an ATM.
Added on : Friday July 18th 2014 03:00:06 AM
g: 0 Posted By: atikovi
Views: 54 Replies: 1 I was out of town buying a car and was $400 short of the cash needed. Maxed out my ATM daily withdrawal limits and I wanted to do a cash advance on a credit card but the banks were closed. Tried to Paypal the seller from her home but Paypal blocked the payment, I guess thinking a payment originating from the recipients ISP was fraudulent. Last chance, I went to a local supermarket the had a Western Union sign out front and asked how I can get money. They said I can get a WU MO for just 59 cents. That's cheaper than the $2 fee at an ATM. The only catch was I had to use a debit card. No problem, but why won't they take a credit card? And do most people know they can get access to quick cash for such a low fee?
General Economics Deals
Purchase Protection - Should I give the money back?
Added on : Thursday July 17th 2014 06:00:07 PM
g: 0 Posted By: steveb10
Views: 150 Replies: 3 I recently bought a laptop computer for a little over $300. I took it home and left it unopened deciding if I really wanted that laptop or another one. Two days later someone broke into my home while we were away and stole the laptop.

I called the sheriff's office and had a police report filed. I initiated a claim on my credit card's purchase protection. Two days ago they approved the claim and credited my card the money. Today, the investigator called and I went down to the station to sign a warrant for the person they found who stole the laptop. They also gave me back the laptop.

The laptop is in good shape and I am now using it. I do not have the box or anything else that came with it except the charger.

Would you call the purchase protection company and see if they want to take back the money? I am leaning towards not doing it because of the hassle involved and the fact that I have lost some small amount of value from the laptop being stolen. On the other hand, I feel a little bit of guilt for keeping a free computer.
Question Deals
Important fact about new Serve Am Ex prepaid card
Added on : Thursday July 17th 2014 11:00:10 AM
g: -1 Posted By: evagoblog
Views: 32 Replies: 0 On the application they make a big deal of the fact that there is no credit check but on the application they ask for you SS#. I was wondering why they needed that if they didn't do the credit check, so I put in my SS# one digit off, don't do that ,if not a credit check they do something VERY similar to that and what happens is that it sends a red flag and you are in for a shit (can I say that, if not monitor, put in-lot-instead) load of hassle. You have to mail or fax a copy of social security card AND a picture ID so put in the RIGHT number. On another forum a lot of people said they had to do that so don't know if people were doing that or leaving the ss# out, but that's why.
Discussion Deals
How to Negotiate Salary in Contract Position
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: BigManonCampus
Views: 112 Replies: 6 In my current situation, I'm interviewing for a job which I'm very well qualified for with a combination of practical experience in pricing and analytics with a very solid educational background and references to back me up. I applied to a rather generic position through Careerbuilder to a staffing company who has now set me up in some interviews. This is with a very large company (you have heard of their products, likely you've consumed them as well) and is doing very well financially.

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

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

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

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

tl;dr: Have a potential contract gig with crappy money, I love the company, the company is very excited about me. How do I turn this contract gig into a permanent one with better money?
Personal Finance Deals
Job Resignation Timing Dilemma
Added on : Thursday July 17th 2014 08:00:06 AM
g: 0 Posted By: antiorg
Views: 621 Replies: 18 Hello all,

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

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

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

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

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

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

Thanks all!
Personal Finance Deals
Z-Shade 13' x 13' Gazebo $118.49 A/C w/FS @ Sears
Added on : Thursday July 17th 2014 08:00:04 AM
g: 0 Posted By: ctgolfer
Views: 219 Replies: 0 use promo code: SEARS2014

Specifications
Product Overview:

Item Weight (lbs.):52.91
Type:Canopies
Carry Weight:52.91

Materials & Finishes:

Tent Materialolyester
Frame Material:Steel

Description:

Frame Type:Steel

Dimensions:

Maximum Square Footage:169
Center Height:1,930 mm
Dimensions Packed:240*240*1240 mm
Dimensions Unpacked:n/a
Base Dimensions:13 x 13

Warranties & Coverage:

General Warranty:2yr limited

General Features:

Includes Carry Bag:No
Includes Stakes:Yes
Roller Bag With Wheels:Yes


www.sears.com/gazebo-13'-x-13'/p-00662539000P
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Job Resignation Timing Dilemna
Added on : Thursday July 17th 2014 06:00:09 AM
g: 0 Posted By: antiorg
Views: 260 Replies: 7 Hello all,

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

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

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

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

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

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

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

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


Personal Finance Deals
Do I have to pay out of pocket for this
Added on : Thursday July 17th 2014 04:00:09 AM
g: -1 Posted By: ecomajor
Views: 168 Replies: 4 This will be a somewhat long story but please be patient. Also please read the attached contract, in particular paragraphs 2 and 4.

In December 2013 my chiropracter prescribed me a TENS machine (google it) for my back pain. My chiropracter ordered it from an out of network medical devices provider.
I signed a form (attached) that basically stated that I was not personally liable for any amount that my insurance company didnt cover. Additionally, since they were not an in network provider any payments would be sent to me and I was responsible to send them to the device company.

All seemed fine, but I never received any checks from my insurance company.

Last week I receive a letter from the device provider asking me to please forward the money as they say that the insurance company has paid the claims.

I call my insurance company and ask where are my checks. They tell me that they approved the claims but that I would not be able to receive any funds as we had a debit balance with them. This was news to me. They said that they had mistakenly sent checks to our sons physical therapy provider (the city) a couple of years ago and they had asked us to get back the money and we had never gotten back the money from the city and therefore we owed that money to our insurance company and any future out of network payments would be debited against that balance.

First of all, it was the insurance companies fault that they overpaid on my son's physical therapy provider. Second of all we had long ago requested the agency to take care of getting back the money but apparently nothing ever happened.

So the medical device company says that the claim is "paid" because it counts against our balance and that we have to pay out of pocket (eventually we hope to get the money back from the city). My arguement is that the contract explicitly states that we have to forward any monies received which we never did. I have no problem paying them once I get paid by the city, but I dont think its right that I should have to pay out of pocket when I explicitly signed a contract that I only have to forward money received.

Can I get the devices company for unfair collection practices or get them to postpone the debt until I actually get paid by insurance or do I need to pay them now.

Thanks for reading.

Personal Finance Deals
g: 0 Posted By: remick
Views: 58 Replies: 0 Be Right (Romans): How to Be Right with God, Yourself, and Others (The BE Series Commentary)
http://www.amazon.com/dp/B005MT8STE

4.5 out of 5 stars (21 customer reviews)

Every Christian desires to "be right" about their faith. How we live out our faith holds eternal significance. But in order to be right, we must know what, why, and how come we believe in Christ.
It can be argued that no book of the Bible has had a greater effect on Christianity than the book of Romans. In this classic commentary by Dr. Warren W. Wiersbe, you can refresh your own understanding of this seminal work, Paul's masterpiece letter to the church in Rome. Dr. Wiersbe's careful exposition of the text allows the truth to soak into your heart and mind as you read and understand these essential truths of Scripture.



Better: How Jesus Satisfies the Search for Meaning
http://www.amazon.com/dp/B00DWTB3D4

4.5 out of 5 stars (19 customer reviews)

What does it take to find satisfaction? Will I ever find something in life thats better than this?
Most people live a life they never would have planned. The good news is that coming to the end of their expectations means theyre on the brink of great wisdom, peace, and joy. Thats what the ancient author of Ecclesiastes helps us figure outit is quite possible to face detours and dead-ends in life and still find more satisfaction than you ever could have imagined.
Better explores the mysteries, scandalous lines, and deep truths of Ecclesiastes and applies them to life today. Better seeks to show how the questions of the heart find their answer in the person of Jesus. Here you will find a vision of life that is neither naive nor cynical, but realistic and hopeful. Because the truth is, when God answers the questions, you finally realize what is better.



Also free

Let God Reign: Spiritual Disciplines that Activate the Power of God in Your Life
http://www.amazon.com/dp/B007SZD606
4.7 out of 5 stars (11 customer reviews)


Books Deals

Amazon Coupons
Free ebook "Old Time Recipes" Kindle version @Amazon
Added on : Thursday July 17th 2014 03:00:06 AM
g: 0 Posted By: imagine1128
Views: 367 Replies: 2 Things Mother Used to Make A Collection of Old Time Recipes, Some Nearly One Hundred Years Old and Never Published Before [Kindle Edition ] Lydia Maria GurneyAuthorr
Print List Price: $7.58 Kindle Price: $0.00 You Save: $7.58 (100%)

New Englander Lydia Maria Gurney collected recipes handed down from generation to generation, and tested most of them in her own kitchen. In her foreword she explains, ""These recipes and Household Hints are written very plainly, for those who have had no experience. . .They are very simple, not expensive, and if followed closely, will ensure success.""
http://www.amazon.com/Things-Collection-Recipes-Hundred-Published-ebook/dp/B00AQM9HS8/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1405601501&sr=1-1&keywords=free+kindle+books​

** new post
Totally Free Deals
Sig Sauer CPO - Certified Pre Owned P226, 40S&W $529
Added on : Wednesday July 16th 2014 10:00:03 PM
g: 0 Posted By: shade68
Views: 124 Replies: 0 I saw this on Buds and thought it was a good deal. I picked up a certified preowned P229 several months ago and am thrilled with it. One year factory warranty.
Linkhttps://www.budsgunshop.com/catalog/product_info.php/cPath/1089/products_id/52344/TEAM+BUDS+FAST+TRACK
This is from the site:These pre-owned Sig Sauer pistols have been Factory Certified after passing the Sig Sauer five point factory certification process. No certified pre-owned Sig Sauer pistol leaves the factory without the approval of the expert Sig Sauer armourers.Before receiving its factory (CPO) certified pre-owned status each pistol is:1. stripped 2. refinished 3. refitted withoriginal factory parts where needed4. cleaned and lubricated 5. function tested and hand inspected by a certified Sig Sauer armourer
Guns & Ammo Deals
g: 0 Posted By: vineetb17
Views: 38 Replies: 0 Graco My Ride 65 LX Convertible Car Seat, Coda is currently available for $118.99 @ Amazon. 20% off is automatically deducted in the cart. An additional 20% off can be had by Rewards card holders by using code BBY20ARC.
$118.99 - 20% - 20% = $71.4 + tax - 3% FatCash
http://www.amazon.com/gp/product/B005WHQKI2/
Seat is extremely highly rated by IIHS and Consumer Reports.
Baby & Kids Deals

Amazon Coupons
Sportcraft Courtyard Deluxe 10' x 10' Canopy $79.99 w/FS @ Sears
Added on : Wednesday July 16th 2014 08:00:04 PM
g: 0 Posted By: ctgolfer
Views: 146 Replies: 0 8'6" center height
One-piece fully assembled frame, no tools needed
Straight legs for maximum shade
Decorative canopy shade perfect for celebrations and festive gatherings

www.sears.com/sportcraft-courtyard-deluxe-10'-x-10'-canopy/p-006...
Garden Deals

Sears Coupons
Bioshock 2: Minerva's Den DLC $1.99 @green man gaming
Added on : Wednesday July 16th 2014 05:00:05 PM
g: 0 Posted By: lovelybones
Views: 182 Replies: 0 http://www.greenmangaming.com/s/us/en/pc/games/action/bioshock-2...

Use code: P36EYA-K5JYKT-ABO7X9

Minerva's Den offers a brand-new, self-contained BioShock story, presenting a side of Rapture you've never seen before. Seek out the tools you'll need to unlock new goals and spaces in the order you choose. Face Rapture's full range of opposition as you increase in power---a new challenge is always right around the corner.Expand your combat abilities with the experimental Ion Laser and chaotic Gravity Well Plasmid, unique to Minerva's Den. Face off against the new Lancer Big Daddy, the most advanced Protector that Rapture ever produced. Explore every shadowy corner of Minerva's Den, unraveling the mysterious past of The Thinker's inventor, and the dark secrets hidden within the unfeeling, omniscient machine he created.
Video Games Deals
g: 0 Posted By: hellokitty27
Views: 353 Replies: 3 Home Depot has the Hampton Bay 10-ft. x 10-ft. Arrow Gazebofor $129.00 w/ free in-store pickup.

Rust-resistant powder-coated steel frames
Polyester canopy provides shade from the hot sun
Mosquito netting on 4 sides protects your guests from bugs
12-ft. center pole height offers plenty of room to sit or stand
1-yr. limited warranty on frame and fabric
Requires light assembly using included hardware

Home & Garden Deals

Home Depot Coupons
Financial implications of injury from auto accident
Added on : Wednesday July 16th 2014 04:00:08 PM
g: 0 Posted By: WhamBamTk
Views: 115 Replies: 0 Hello Fatwallet,

Please excuse the throwaway.

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

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

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

We have two uncertainties at this point:

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

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

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

Many thanks.
New User Question Deals
Private lenders who work /w a previous DIL on credit?
Added on : Wednesday July 16th 2014 09:00:08 AM
g: 0 Posted By: Dulanic
Views: 10 Replies: 0 Does anyone know of any lenders that are somewhat DIL friendly lenders that aren't government backed/funded? I know /w a deed in lieu the general rule is 2 years /w 20% down. However, I do know private lenders can do as they please and have "heard" some will work with DIL/short sale situations based on circumstances.

Details:
Last year my wife's company moved her and we had to move across country or she would have to find a new job and we stay at our home. We were underwater ~20% as our area took an excessive beating for our type of home (town-home). We attempted to short sale and the mortgage company balked at a buyers offer over $3K in closing costs which cost us the sale and we had to go /w a DIL instead. Not a huge issue, except that it extended the time before the closing of the DIL a good 6 months past what would have been our short sale closing date. Their loss, it will prob sell for 20-25K below the offer we got.

Anyways, now we are moved and looking at getting a home. My credit is 780ish, my wife's is still 700+ even after the DIL. Are there any private lenders that don't bound to follow the FHA guidelines for short sales/DIL and are known to work with DIL people? We still have all the paperwork from her work showing we had to move and that was the reason for our forclosure. We have the funds to put down as a downpayment. I've been told Credit Unions have that flexibility, but I know PenFed won't budge on those guidelines as I asked.

I could get a mortgage myself, but we want just a little more than we can get under just my income alone.
Coolaroo Exterior Roller Shade, 6 by 6-Feet, Sesame $57 Amazon.com
Added on : Wednesday July 16th 2014 07:00:05 AM
g: 0 Posted By: DaysFan
Views: 303 Replies: 1 http://www.amazon.com/gp/product/B00AOJOTFY/ Coolaroo Exterior Roller Shade, 6 by 6-Feet, Sesame
List Price: $69.99 Price: $57.92& FREE Shipping. Details You Save: $12.07 (17%)
In stock but may require an extra 1-2 days to process. Ships from and sold by Amazon.com.

Traditional roller shade styling
Unique breathable knitted fabric
Blocks up to 80-percent of UV rays
Save up to 40-percent on energy costs
Weather resistant fabric and components
Traditional roller shade styling. These blinds come standard with a crank handle, no corded chain included Product DetailsSize: Sesame | Color: 6 by 6-Feet

Product Dimensions: 72 x 72 x 0.2 inches
Shipping Weight: 5 pounds (View shipping rates and policies)
Shipping: Currently, item can be shipped only within the U.S.
Origin: China
Shipping Advisory: This item must be shipped separately from other items in your order. Additional shipping charges will not apply.
ASIN: B00AOJOTFY
Item model number: 460037


Home & Garden Deals

Amazon Coupons
Vegas hotels with no charge for kids
Added on : Wednesday July 16th 2014 06:00:11 AM
g: 0 Posted By: scorpio0414
Views: 1071 Replies: 4 Hello,
We are planning a trip to Vegas and i had already posted in Travel Plans.We tried booking hotels in Vegas and most of them have good rates but once i write that two kids are also there they charge hefty fees.I read somewhere that some travelers sneaked their kids in due to this . I don't know if this is a good plan or what's the impact of it. Any ideas or suggestions for cheap hotel booking with kids.As always , appreciate your comments and suggestions and thank you for your time .
Hotel Deals
Official e.l.f. Cosmetics Coupon Code Thread
Added on : Wednesday July 16th 2014 04:00:03 AM
g: 0 Posted By: st4rdust
Views: 137 Replies: 0 Hey FW!

Since we frequently post deals from E.L.F. Cosmetics, I thought I'd round up the current coupon codes so they're easier to keep track of. I plan on updating this as needed. If you see a promo code, or notice that one is expired, please feel free to update the quick summary so other members can be alerted.

LINK

You can also sign up for E.L.F.'s deal/offer email updates at the lower right-hand corner of their website.

Only one coupon code per order.
_____________________________________________________________________________________________________________________________


Current Offers:

Mix & Match - 12 Custom Colors & 3 Custom Compacts

Free w/ coupon code "COLORS" on orders of $25 or more

Get 30% off when you spend $30

Use code "BDAY30" (exp. 7/21)

Get 20% off when you spend $20

Use code "BDAY20" (exp. 7/21)

$5 off Sitewide

Use code "BDAYFIVE"

Free 100-pc. Marble Eyeshadow

Use coupon code "BDAYFREE" on orders of $15 or more

Free 96-pc. Geo Eyeshadow Palette

Use coupon code "96GEO" on orders of $25 or more

Free Shipping on orders of $25 or more

Use code SHIP25




Constant Offers:

Free Shipping on $35+

Use coupon code "FS35"


Makeup Deals

e.l.f. Cosmetics Coupons
g: 0 Posted By: ctgolfer
Views: 120 Replies: 0
Detail-oriented display
See your movies and games pop with vivid colors, dark shadows and stunning contrast on the 8.4" display. With two times the pixels of an HDTV, the screen also keeps everything clear by auto-adjusting brightness levels based on where you are and what you're viewing.
Ultra-thin and lighter
An ultra-thin build with a comfortable design makes this tablet difficult to put down. Lightweight and perfect for travel, it connects seamlessly with other Galaxy products for you to effortlessly share photos and videos from wherever you are.
Family-friendly
With multi user mode, everyone in the family can create a private and personalized tablet experience that can be secured with the fingerprint scanner. And for those wanting to keep the little ones entertained, Kids Mode lets you customize playtime and apps with parental controls.
Security at your fingertips
Unlock your tablet and keep your photos, videos, and personal files secure with just the swipe of your finger.
More productive than ever
Now you can do two things at once with Multi-window, like watch a music video and look up the lyrics or read an email and edit a presentation. Opening two windows or apps at the same time gives you the ability multitask and get things done faster than ever before.
Low battery
Ultra power saving mode keeps you connected even when your battery is critically low. It works by turning your screen to black and white and shuts off nonessential apps, so your device still works when you need it most.
Magazines come to life
Flip through your favorite sports, fashion and news magazines in Papergarden. You'll easily navigate through your favorite reads and see everything at a resolution that's optimized for your Galaxy Tab S screen - so photography looks stunning and text is easy to read.


www.sears.com/samsung-galaxy-tab-174-s-16-gb-10.5inch-display/p-...
Tablets & iPads Deals

Sears Coupons
g: 0 Posted By: Xenocrates
Views: 48 Replies: 0 ASUS VE247H Black 23.6" 2ms (GTG) 1080pHDMI LED BackLight LCD Monitor w/Speakers- $119.99 AC AR FS @ Newegg.com

This deal is back again. This is the standard low price for 24" 2ms ASUS monitors, but for anyone out there in the market for one this is a decent deal.

Coupon Code:EMCPCWE24 - This coupon may require being signed up for the newegg emails.

Rebate: $20 Prepaid Card

23.6" 1080p LED Backlit LCD Display

2ms (GTG) Response Time
10M:1 Dynamic Contrast Ratio
300 cd/m2 Brightness
Inputs:1 HDMI, 1 DVI, 1 D-Sub
22.42" x 16.13" x 7.91" (w/ stand)
3 Year Warranty

4 / 5 eggs with 627 customer reviews

The next best price from a rated merchant on Google Shoppingis $156.62 from NextWarehouse.

Personal Experience: I and most of my friends ended up getting ASUS monitors and all of them still have them 3 years on and mine is now 5 years old. I will be buying another when it finally dies or I decide to upgrade to a 27". I still wish they hadn't ditched making 1920 x 1200 28" monitors but such is commerce.
Monitors Deals

Newegg Coupons
g: 0 Posted By: ctgolfer
Views: 139 Replies: 0 Become Dracula, resurrected once again and contending with a threat from Satan, who has returned to seek his revenge for the defeat he endured centuries ago by bringing about the apocalypse
Re-acquire all of your deadly powers and abilities and make a pact with Death in order to defeat the Devil and finally earn your eternal rest
Discover new environments in an open, modern-day world by traversing through levels using new platforming techniques, and embark on a deep exploration of the labyrinthine corridors of Dracula's castle
Devastate your enemies with Dracula's vampiric characteristics that allow you to transform into mist, glamour and control opponents and disappear into the dark unseen, for deeply strategic combat with your devastating evil powers
Contend with the famed Belmont clan, bent on Dracula's destruction in an unyielding quest for revenge, and discover the truth behind their mysterious ancestry
Battle massive Titans in challenging boss battles that utilize real-time physics, which force you to gather your wits and perform on-the-fly player strategizing
Acquire sustenance that fuels your eternal strengths and immortal powers by drinking the blood of your enemies

www.bestbuy.com/site/castlevania-lords-of-shadow-2-playstation-3...


Xbox 360
www.bestbuy.com/site/castlevania-lords-of-shadow-2-xbox-360/9581...


PS3 Games Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 151 Replies: 0 This Game of the Year Edition includes the award-winning The Walking Dead game, a bonus episode and exclusive access to digital content
The Complete First Season includes all five series episodes, plus the bonus episode, 400 Days
Immerse yourself in the Walking Dead story with access to digital features, such as the original soundtrack and never-before-seen videos of behind-the-scenes footage
Fight your way through hordes of zombies in this iteration of The Walking Dead franchise, which has made the undead apocalypse a global phenomenon and one of the most powerful pop culture icons ever
Based on Robert Kirkman's award-winning comic book series and the television show it inspired
Take on the role of Lee Everett, whose life has been spared and now must survive among the undead
Meet potential allies, visit the locations and participate in the events that foreshadow the story of Deputy Sheriff, Rick Grimes
Act quickly but wisely —: your choices will affect your fate and the fates of those around you
Experience the thrilling and gruesome graphics in all their gory splendor

Playstation 3
www.bestbuy.com/site/the-walking-dead-game-of-the-year-edition-p...

Xbox 360
www.bestbuy.com/site/the-walking-dead-game-of-the-year-edition-x...
PS3 Games Deals

Best Buy Coupons
Castlevania: Lords of Shadow 2 - PlayStation 3 $19.99 @ Best Buy
Added on : Tuesday July 15th 2014 07:00:07 PM
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 Become Dracula, resurrected once again and contending with a threat from Satan, who has returned to seek his revenge for the defeat he endured centuries ago by bringing about the apocalypse
Re-acquire all of your deadly powers and abilities and make a pact with Death in order to defeat the Devil and finally earn your eternal rest
Discover new environments in an open, modern-day world by traversing through levels using new platforming techniques, and embark on a deep exploration of the labyrinthine corridors of Dracula's castle
Devastate your enemies with Dracula's vampiric characteristics that allow you to transform into mist, glamour and control opponents and disappear into the dark unseen, for deeply strategic combat with your devastating evil powers
Contend with the famed Belmont clan, bent on Dracula's destruction in an unyielding quest for revenge, and discover the truth behind their mysterious ancestry
Battle massive Titans in challenging boss battles that utilize real-time physics, which force you to gather your wits and perform on-the-fly player strategizing
Acquire sustenance that fuels your eternal strengths and immortal powers by drinking the blood of your enemies

www.bestbuy.com/site/castlevania-lords-of-shadow-2-playstation-3...
Calypso Cabana Beach Shelter Tent $31.99 + Ship @wayfair.com
Added on : Tuesday July 15th 2014 05:00:05 PM
g: 0 Posted By: jisab
Views: 202 Replies: 0 http://www.wayfair.com/daily-sales/p/Day-at-the-Beach%3A-Games-%...

List Price: $59.00
Deal Price: $31.99

Product Details:

Heavy-duty polyurethane coated taffeta with silver coating for increased UV protection and cool comfort
Rip-stop polyethylene floor
Three ''no-see-um'' mesh windows with zippered storm flaps
Three pole, pin and ring frame system with shock-corded fiberglass poles
Four weight/sand bags for increased stability
Complete with stakes and carry/storage bag
Color: Brilliant Blue / Rainbow Stripes
Cover Material: Polyethylene
Hardware Material: Fiberglass
Water Resistant
Rust Resistant
UV Resistant
Tear Resistant
Fire Resistant
Screened
Removable Shade Wall
Ventilation
Slant-Leg
Number of Legs: 4
Frame Attachment: Sleeves
Number of Ground Stakes Included:
Corner Braces
Top Shape: Arched
Square Foot Coverage: 28 square feet
Interior: 112 cubic feet
Dimensions: 48'' H x 84'' W x 48'' D
Assembly Required
Tools Needed: No tools are necessary
Sports & Outdoors Deals

Wayfair Coupons
Google Play Free Song of the Week - G# by Kitten
Added on : Tuesday July 15th 2014 08:00:13 AM
g: 0 Posted By: remick
Views: 163 Replies: 0 https://play.google.com/store/music/album?id=Brlgce3b6ggdtymfyfk...
Movies & Music Deals
Moto G non-LTE $50 after MIR at Cricket Wireless (AT&T owned)
Added on : Tuesday July 15th 2014 08:00:09 AM
g: 0 Posted By: Borodeva
Views: 202 Replies: 1 Linky

With an amazing 4.5" edge-to-edge HD display and fast quad-core processing power, the Moto G is the BFF you always wish you had. Perfect for productivity, browsing the web, snapping pics and streaming video, this smartphone packs a punch! And it resists scratches and splashes with Corning Gorilla Glass and a water repellent coating.
Discover all the Motorola Moto G has to offer:
Stunning 4.5" HD display
1.2 GHz quad-core processor for fast multitasking
Scratch resistant and water repellent coating
5 MP camera for pictures and HD video, 1.3 MP front camera for video chat
All-day battery life (depends on network configuration, signal strength, operating temperature, features selected, and voice, data and other applications usage)
Android 4.4.2 (KitKat)

Has full AT&T coverage (not sure about roaming).

$5 monthly discount on your plan if you sign up for autopay.

$35 (net) gets you 500GB of 4G data (then throttled) and unlimited calls/texts.

$45 (net) gets you 2.5GB of 4G data (then throttled) and unlimited calls/texts.

Seems like a good alternative to Straight Talk.
Cell Phones Deals
9 Free Digital Valiant Comics from Comixology
Added on : Tuesday July 15th 2014 07:00:05 AM
g: 0 Posted By: remick
Views: 18 Replies: 0 http://comicbook.com/blog/2014/07/14/valiant-makes-their-1-issue...

In celebration of The Valiant, Valiant's upcoming, prestige format mini-series from superstar creators Jeff Lemire, Matt Kindt, and Paolo Rivera, the publisher announced today that they are making nine of its biggest #1 issues available as FREE downloads on comiXology for the month of July.

From now through July 31st, jump on board each of Valiant's ongoing series with an all-access pass to some of the publisher's most acclaimed #1 debuts, from Archer & Armstrong to X-O Manowar.

Here are the links and descriptions, as provided by Valiant:

ARCHER & ARMSTRONG #1 by Fred Van Lente & Clayton Henry

It's history in the breaking! Eighteen-year-old adventurer Obadiah Archer and the immortal miscreant currently called Armstrong will have to work together if modern civilization is to stand any chance of surviving a centuries-old conspiracy that stretches from the catacombs beneath Wall Street to the heights of the Himalayas!

NOTE: Archer & Armstrong is reportedly being developed as a feature film.

BLOODSHOT #1 by Duane Swierczynski & Manuel Garcia

Heroes aren't bornthey're built. Brought back from the dead and infused with cutting-edge nanotechnology, the walking weapon of mass destruction now known as Bloodshot has escaped his handlers at Project Rising Spirit and vowed to bring war down up his mastersbut first he'll have to figure out where the programming ends and the real "him" begins.

NOTE: Bloodshot is being developed as a feature film, to be directed by X-Men: First Class's Matthew Vaughn.

ETERNAL WARRIOR #1 by Greg Pak & Trevor Hairsine

Soldier. Guardian. Warrior. Legend. Across ten millennia and a thousand battlefields, Gilad Anni-Padda has traversed the darkest, most mysterious corners of history. But the horror and bloodshed of constant warfare has finally taken its toll on the man who vowed to serve the Earth as its Eternal Warriorand soon his oath will bring an ancient war roaring down on modern day.

HARBINGER #1 by Joshua Dysart & Khari Evans

Read minds. Bend steel. Break all the rules. Runaway teenager Peter Stanchek is on a dangerous path. Skipping across the country in a desperate attempt to stay one step ahead of the authorities, Peter is quickly realizing that hes a telekinetically powered harbinger with the potential to reshape the course of human history. His first lesson? All power comes with a price.

QUANTUM AND WOODY #1 by James Asmus & Tom Fowler

KLANG! Once upon a time, Eric and Woody Henderson were inseparable. Adopted brothers. Best friends. Brilliant minds. Years later, they are estranged siblings, petty rivals, and washed-up failures. But when their fathers murder leads them into the throes of a life-altering scientific accident, Eric and Woody will find themselves with a whole new purpose and a perfectly legitimate reason to wear costumes and fight crime.

RAI #1 by Matt Kindt & Clayton Crain

Japan in the 41st century! The year is 4001 A.D. led by the artificial intelligence called Father, the island nation of Japan has expanded out of the Pacific and into geosynchronous orbit with the ravaged Earth below. With billions to feed and protect, it has fallen to one solitary guardian to enforce the law of Fathers empire the mysterious folk hero known as Rai.

SHADOWMAN #1 by Justin Jordan & Patrick Zircher

There are a million dreams in the Big Easy. But now its worst nightmare is about to come true. As the forces of darkness prepare to claim New Orleans as their own, Jack Boniface must accept the legacy he was born to uphold. As Shadowman, Jack is about to become the only thing that stands between his city and an army of unspeakable monstrosities from beyond the night.

Note: Shadowman has a feature film in development written by J.M. Straczynski.

UNITY #1 by Matt Kindt & Doug Braithwaite

The worlds most dangerous man, Toyo Harada, has been struck by the one thing he never thought possible fear. Halfway across the globe, a new power threatens to topple modern civilization and, to preempt the cataclysm that is to come, Harada will unite the most lethal, most volatile, most unforgiving team the world has ever known UNITY. Their mission: defeat the warrior king armed with the universes most powerful weapon. Kill X-O Manowar!

X-O MANOWAR #1 by Robert Venditti & Cary Nord

Born into battle, Aric of Dacia heir to the throne of the Visigoth people has never known peace. After a brutal encounter with a mysterious enemy known as The Vine leaves him a prisoner on an alien world, the only hope Aric has of returning to his family and saving them from slavery is to seize armored suit capable of incalculable destruction and become X-O Manowar!
Free "douchebags coming through" stickers - email
Added on : Tuesday July 15th 2014 05:00:07 AM
g: 0 Posted By: remick
Views: 25 Replies: 0 http://jon-olsson.com/?p=16270

Ok, I have now gotten way to many mails about these stickers that we had on our Gumball cars (and a million comments after Deadmou5s post on Instagram) So instead of answering to every single e mail, I figured that I would just let you know that if you send an e mail to hello@mydouchebag.com with your adress we will send these stickers to you for free! This way you all get the stickers you need and I get less e mails so I have more time for this blog! Everybody wins!
Totally Free Deals
g: 0 Posted By: st4rdust
Views: 192 Replies: 0 Toys R Us is offering buy one, get one 50% off on 4-ct. Crayola Sidewalk Chalk packs with free in-store pickup. Colors available may vary by location.

Get one 4-ct. pack for $0.38 or get 2 for $0.57. Mix and match! Perfect for summer

Color options:

Very Berry
Surf's Up
Spring Fever
Summer Shade
Arctic Fire
Sweet Tooth
5-ct. Crayola Washable Multicolor Sidewalk Chalk- $1.48 (2 for $2.22)
6-ct. Crayola Glitter Sidewalk Chalk- $1.98 (2 for $2.97)
48-ct. Crayola Sidewalk Chalk- $6.99 (2 for $10.48)
More here.

Toys Deals

Toys R Us Coupons
g: 0 Posted By: ctgolfer
Views: 155 Replies: 0 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.
2 HDMI
2 HDMI ports provide you an uncompressed digital audio/video link for Full HD source. A variety of inputs delivers easy connection to your PC and other device.
16:9 Wide Screen
The maximum resolution of 1920 x 1080 gives you shaper pictures and allows you to watch 1080p Full HD sources in 16:9 widescreen ratio.
Contrast 3000:1
It provides the deep blacks and clarity pictures even shadow details.
Response Time: 6.5ms
Fast response time of 6.5ms generates clear motion scenes.
RoHS compliant
RCA TVs comply with RoHS requirements.

www.sears.com/rca-50inch-class-rear-lit-1080p-60hz-led/p-0577129...
LED TV Deals

Sears Coupons
Current Financial Situation: Need Advice
Added on : Monday July 14th 2014 11:00:05 PM
g: 0 Posted By: nickygrahn
Views: 38 Replies: 0 Hello fellow forum members. This is my second topic since I've been registered here and the previous input was very helpful for me, so much so that I'm seeking advice again. This may get lengthy but I want to describe to the best of my ability what my current situation is financially. What I'm looking for is some inputs, though I know they'll be varied, on what I should do for future security. So here it is and again, I greatly appreciated the previous input. Your guys' knowledge with money is fantastic and I'm sure you have changed lives.

My Debts:
Home mortgage FHA @ 3.5% which is on the second year and already have paid off 10K in principle out of the 145K loan. This was a 30 year loan and the minimum payments is $1050 a month. This payment includes home insurance, taxes and mortgage insurance
Personal loan, which is used as my business loan, has $11,800 left @ 9%. Used to be about 19k but I sold some useless things and paid it down. Minimum payment is $450 a month.
Auto insurance is $1050 total every 6 months for wife and I.
Other misc. monthly bills which include cell phone, internet, home utilities and food average out to be around $500.


My business nets about $1,500 a month currently but I only need to pay our mortgage and my business loan. However, after doing that I have absolutely nothing left. Obviously, making $1,500 a month is not a lot and that's some of the reason I'm posting (more on this later**). The way I'm looking at things is I'm subtracting my current net of $1500 from the mortgage and personal loan, leaving literally $50 which I'm actually okay with since my wife is making $40k a year and we don't have other debts. The thing is, my money is mine and hers is hers. That's how we've agreed to do things and it actually works very well. I used to make more money when I had a job as well as my business but I left due to my inability to work under a boss.

Being self employed is something I like very much and I refuse to get a job. I've left a half dozen jobs in the past year, not even kidding, one of them being a top 100 company to work for according to Fortune Magazine. So with that said, I have the ability of expanding my current business due to someone retiring. I would need to take out an additional $20,000 for the expanding of my businesses to make another $800 net a month. I talked to a couple of bankers and they said a 5 year loan @ 8% interest would be around $650 a month of I included the current loan I have of $11,800. This would leave me with an extra $600 a month.

Is my vision wrong looking at things this way? Taking out money from a bank without having a savings or any other investments other than some business equipment frightens me. I could grind out what I'm doing currently, but this opportunity doesn't come very often. I know I could force myself to pay a loan faster to avoid paying excess interest since I've done that in the past. Judging from what you see on my post, do you have any feedback? Getting tired so I'll end the post here. Thanks for reading and chiming in!

Insurance Deals
g: 0 Posted By: ctgolfer
Views: 87 Replies: 0 SpecNameTomb Raider Complete Pack (Base + Anniversary + Legend + Underworld) [Online Game Codes]ModelBrandSquare EnixModelSEBUN6FeaturesESRB RatingM- Mature (Blood and Gore, Intense Violence, Strong Language)GenreAction AdventureModelDRMSteamFeaturesFeaturesTomb Raider
Tomb Raider explores the intense and gritty origin story of Lara Croft and her ascent from a frightened young woman to a hardened survivor. Armed only with raw instincts and the ability to push beyond the limits of human endurance, Lara must fight to unravel the dark history of a forgotten island to escape its relentless hold.

Tomb Raider: Anniversary
Tomb Raider: Anniversary retraces Lara Croft's original genre-defining adventure - globe-trotting 3rd person action-adventure in pursuit of the legendary Scion artifact. Re-imagined, Anniversary delivers a dynamic fluidly and fast Lara Croft, massive environments of stunning visuals, intense combat and game pacing, and an enhanced and clarified original story.

Tomb Raider: Legend
The gaming world's sexiest and most intrepid adventurer makes her triumphant return in Lara Croft Tomb Raider: Legend!
Follow Lara down a path of discovery as she travels the globe to remote, exotic locales in search of one of history's greatest artifacts that unleash unwelcome figures from Lara's mysterious past. With guns blazing, Lara must use her athletic ability and intellectual wits to explore vast, treacherous tombs, riddled with challenging puzzles and deadly traps. Experience the beginning of the new Legend in the most adrenaline-fueled Tomb Raider adventure ever!

Tomb Raider: Underworld
Tomb Raider: Underworld represents a new advancement in exploration-based gameplay. As fearless adventurer Lara Croft explore exotic locations around the world, each designed with an incredible attention to detail resulting in breathtaking high-definition visual fidelity that creates a truly believable world and delivers a new level of challenge and choice.
Master your surroundings: Reach new heights with the broadest range of acrobatic abilities and utilize objects within the environment to uncover new paths to explore.System RequirementsMinimum
Operating system: Microsoft Windows 2000, XP, Vista
Processor: Pentium 3 1.4Ghz or Athlon XP 1500+
Memory: 256MB (for Windows 2000/XP), 512MB (for Windows Vista)
Hard disk space: 4GB free disk space
Video: 100% DirectX 9.0c compatible 64 MB 3D Accelerated Card with TnL (GeForce 3Ti / Radeon 9 series)
Sound: Microsoft Windows XP/Vista compatible sound card (100% DirectX 9.0c -compatible
DirectX: DirectX 9.0c

Recommended
Operating system: Microsoft Windows XP, Vista
Processor: Pentium 4 3.0Ghz or Athlon 64 3000+
Memory: 1GB RAM
Hard disk space: 4GB free disk space
Video: 100% DirectX 9.0c compatible 64MB 3D Accelerated Card with Pixel Shader 2.0 (GeForce 6000 series / Radeon X series)
Sound: Microsoft Windows XP/Vista compatible sound card (100% DirectX 9.0c -compatible)
DirectX: DirectX 9.0cDisclaimerDisclaimerSteam account required for game activation and installation.

www.newegg.com/Product/Product.aspx?Item=N82E16832166164

Software Deals

Newegg Coupons
Tumi extra 20% off sale items + FS
Added on : Monday July 14th 2014 04:00:07 PM
g: 0 Posted By: gd78
Views: 403 Replies: 2 Tumi hasextra 20% off sale items + free shipping
Sale expires July 20.

Link to sale items(the extra 20% off is reflected in the shopping cart, not the listed price)

Some good stuff to be had, like this Delta Double Billfoldfor $44.
I have the Alpha Slim Deluxe Portfolioand love it ($143). Just big enough to hold my laptop/charger, an iPad, and papers for a presentation, without being too bulky.
The Alpha Hanging Travel Kitis nice too ($80)
Alpha 2 Organizer Brief ($223)
Luggage Deals
g: 0 Posted By: hellokitty27
Views: 152 Replies: 0 Birchbox has the Cynthia Rowley Beauty Collection No. 2 (8-pc.) w/ Bonus Eye Pencilfor $35.00 w/ free shipping. Use coupon code CRBLINER and receive a bonus eye pencil in charcoal (coupon can be used with any purchase over $30.)

Includes:

5-pc. Eyeshadow Palette
Black Eyeliner
Hot Pink Lip Stain
Confetti-Print Cosmetic Bag

Makeup Deals
Tumi 30% off sitewide + extra 20% off sale items + FS
Added on : Monday July 14th 2014 02:00:07 PM
g: 0 Posted By: gd78
Views: 101 Replies: 0 Tumi has 30% off sitewide+ extra 20% off sale items + free shipping
Sale expires July 20.

Link to sale items(the extra 20% off is reflected in the shopping cart, not the listed price)

Some good stuff to be had, like this Delta Double Billfoldfor $44.
I have the Alpha Slim Deluxe Portfolioand love it ($143). Just big enough to hold my laptop/charger, an iPad, and papers for a presentation, without being too bulky.
The Alpha Hanging Travel Kitis nice too ($80)
Luggage Deals
KIDS IN VEGAS HOTELS
Added on : Monday July 14th 2014 11:00:08 AM
g: 0 Posted By: scorpio0414
Views: 77 Replies: 1 Hello,
We are planning a trip to Vegas and i had already posted in Travel Plans.We tried booking hotels in Vegas and most of them have good rates but once i write that two kids are also there they charge hefty fees.I read somewhere that some travelers sneaked their kids in due to this . I don't know if this is a good plan or what's the impact of it. Any ideas or suggestions for cheap hotel booking with kids.As always , appreciate your comments and suggestions and thank you for your time .
Hotel Deals
Spine Skull Round Women»s Sunglasses from Alexander McQueen are crafted in an edgy acetate frame featuring metallic skull hardware on the front and spine detail on temples, signature engraved logo and shaded lenses. Signature case included.Special offers and rebates for Fujitsu LIFEBOOK® notebooks and Tablet PCs, STYLISTIC® tablets and mobile accessories.
Help needed: WU MO bounced by Chase
Added on : Monday July 14th 2014 08:00:14 AM
g: 0 Posted By: ghasem0
Views: 49 Replies: 6 Couple of months ago I purchased a WU money order at a grocery store ( I kept the mo purchase receipt and the mo stub ). I filled it out payable to myself and deposited together with other mos at my local bank atm ( I kept the deposit atm receipt). Few days after that I withdrew the money.
About a week after the deposit, while making another deposit, I noticed that my account had been overdrawn. I went berserk. Called the bank cs rep, did not get much of help. Called WU and a machine confirmed it was cashed while in bank's possession( a day after the deposit date). Loaded with the receipt, stub and a copy of the bounced mo I headed to the branch where I deposited it in the first place. The banker was very uncooperative if not indifferent/hostile. I was told to wait for the letter from the bank with the legal copy of mo. I got the letter with the legal copy of the mo. The bank letter states the reason: "refer to maker". I called the loss prevention dep rep and was assured that it was their fault and If I deposited the legal copy of the mo again it would not bounce. And that's what I did. I deposited the legal copy inside the branch (kept the deposit receipt). It bounced again and they charged me returned item fee again.Went to the branch again, spoke with the branch manager. She did not help me. According to her there was nothing she could do and advised me to take it to WU.
So I initiated a research with WU. Got a letter from WU with the research payment trail records. It states clearly that the mo was "paid clean" by them and it provided the three different bank sequence numbersone for every time it was presented for payment. It looks like after i deposited the mo at the atm, tschaise presented the mo for payment twice (the very next day after the initial deposit date and again three days later on). Andthe third presentment per WU was a day after I deposited the legal copy inside the branch. So altogether this mo was presented for payment three times. The WU letter says that it was "paid clean" the very first time it was presented and was returned the at the next two presentments.Today I spoke with the bank operating loss prevention department analysts and was advised to go to the branch so they get a copy of WU letter faxed to them.
After spending good three hours in the branch and then again on the phone with loss prevention dep rep I was told to take it back with WU. Spoke with live WU rep for the first time and she told me that there is nothing more they can do.
I kept all the documents related to this mo. Bottom line is that the mo was cashed a day after it was deposited at the atm. At the time of cashing the mo was not in my possession but per the deposit receipt date and time it was in tschaise's possession.
Tschaise has given me a run around for two months already. I am not sure how to proceed from here on, never been in a situation like this one before.
I am sure I am not the first person to encounter a situation like this.
I need you help from guys.
Personal Finance Deals
g: 0 Posted By: tehbonz
Views: 102 Replies: 0 The lens was discontinued and there are not many on the internet for this price. 47th Street Photo is an Authorized Sigma dealer ( http://www.sigmaphoto.com/where-to-buy-sigma?circle_op=%3C&flat%... ). They probably very few left in stock.

Comparison:

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

If I had the money laying around, this lens would be mine.
SLR & dSLR Deals
g: 0 Posted By: hellokitty27
Views: 1083 Replies: 0 Sears has the Northwest Territory 3-in-1 Tent, Shade & Screenhousefor $59.99 w/ free in-store pickup.

Tent, Shade and Screen House all in one
9-ft. W x 9-ft. D
Quick Camp Insta-Frame makes set up a breeze
Four corner stakes and large sand bags for stability
Four large mesh accessory storage pockets for convenience
Packs small and light for easy handling

Sports & Outdoors Deals

Sears Coupons
g: 0 Posted By: hellokitty27
Views: 36 Replies: 0 Sears has the Northwest Territory 3-in-1 Tent, Shade & Screenhousefor $53.99 w/ free in-store pickup.

Tent, Shade and Screen House all in one
9-ft. W x 9-ft. D
Quick Camp Insta-Frame makes set up a breeze
Four corner stakes and large sand bags for stability
Four large mesh accessory storage pockets for convenience
Packs small and light for easy handling

Sports & Outdoors Deals

Sears Coupons
Santander Bill Pay Payment Comes Back NSF?
Added on : Sunday July 13th 2014 03:00:06 PM
g: 0 Posted By: jetsfan92588
Views: 39 Replies: 0 I used Santander for the first time to pay a utility bill. At the end of June it was credited to my utility account, but there was no indication in my Santander account that it was received. Santander still shows no indication of an issue with the check. I have more than enough in my checking account to cover the check written. Has anyone else had this experience before?

I now have a $30 NSF fee and a $10 late fee from UMS. I also only received $10 instead of $20 from Santander. I filled out the online form for checks that didn't get sent properly, but didn't hear back. I called on Thursday, they said they would call me back, never did. Now UMS is forwarding the issue to the owner of my apartment complex.

How do I get Santander to reimburse me for these fees? Are they required to reimburse me? If collections actions are taken, is Santander required to cover damages from that?
Question Deals
ULTA Summer Glam Beauty Essentials Kit - $19 + $5.95 at ULTA.com
Added on : Sunday July 13th 2014 03:00:01 PM
g: 0 Posted By: jskins
Views: 48 Replies: 0 ULTA Summer Glam Beauty Essentials Kit - $19.00 + $5.95 at Ulta.com. 4.6/5 stars based on 16 customer reviews.

Including:

Lash genius
Professional
Nail lacquer
Cream eye shadow
Lip glaze
Waterproof mascara
Matte bronzer

The next lowest price I could find for this item on Google Shopping is $33.95.
Makeup Deals

ULTA Coupons
g: 1 Posted By: MoogLiberation
Views: 84 Replies: 1 Hey there, I was hoping I could pick your brains and get some direction from the experts. I've had some health issues come up that have permanently changed the way I'm looking at investing and savings. Unfortunately, even though I'm only 30 years old, investing in things like equities is too risky for me now. So I'm looking at things like prepaid cards with interest rates around 5-6% and bonuses at banks for signing up for new accounts.

I currently have a Mango prepaid card maxed out at $5,000 and I'm considering doing the equivalent at PayPal and NetSpend. I've also signed up for new accounts at Chase and Nationwide Bank that have good bonuses. I'm wondering if you guys have any other recommendations? It doesn't matter if they're more of the same strategies I'm already utilizing or if I'm missing out on anything else all together. Your help is greatly appreciated. Thanks.
Investing Deals
Thermoworks RT600C Instant Read Thermometer $21 shipped
Added on : Sunday July 13th 2014 05:00:04 AM
g: 0 Posted By: Scumbag
Views: 208 Replies: 0 Link

I've had one of these for years and it works like a charm. I like it so well I decided to order another one and found they were on sale. I've checked mine against my NISC calibrated datalogger and it's within 1/2 degree F from freezing to boiling, but they advertize +- .9F. These aren't as good as the Thermapen, but are still far better than the ones you'll find at most places like Wal-Mart.
Home & Garden Deals
g: 14 Posted By: SieSilverStars
Views: 3950 Replies: 12 WalMart is offering a free $10.00 eGift card when you purchase five 12-packs of Dr. Pepper of any variety.

Link

This offer is valid until 07/31/14.

Instructions:

Buy any combination of Five (5) 12-packs of Dr. Pepper at WalMart between 07/01/14 and 07/31/14.
Snap a photo of your receipt(s) (up to 5 receipts) and send it by text message of email to bash@drvsusa.com by 07/31/14 11:59PM PT.
Receive a code via email or text and redeem at www.backyardbashreward.comby 08/15/15 11:59PM PT to receive a $10.00 WalMart eGift Card.


Limit of 3 valid redemptions per customer.

Best part is that WalMart price matches, so if you find a good deal on the Dr. Pepper, go for it!


I just noticed a new deal they had going too..

Through September 30, buy 2 Farmland Bacon Products in a single transaction, snap a photo of your receipt and receive a Free $5.00 WalMart eGift Card. Limit of 2 redemptions per customer. Click here for more details.
Grocery Deals

Walmart Coupons
g: 0 Posted By: ctgolfer
Views: 148 Replies: 0 shipping adds $5

REFINISHED MINT (no team or corporate logos, just like new!)
Used & mint refinished golf balls are used golf balls that are reconditioned using a modern process in a factory that manufactures new golf balls. This process does not affect the playability of the golf ball, but brings their cosmetics and performance up to a level where they appear and behave comparable to new golf balls. In preparing for the reconditioning process, balls that are scuffed or have had their cover compromised are not reconditioned and are discarded. Only balls that are perfect in cover but are cosmetically challenged are refinished and sold.

Newly reformulated and larger core provides soft feel while contributing to longer distance
Redesigned thinner, lonomeric casing layer for improved Drop-and-Stop scoring performance
High-performance urethane elastomer cover formulation offers improved durability
New, higher coverage, Tour-proven 392 dimple design contributes to longer distance from enhanced aerodynamics
Staggered wave parting line provides longer distance from an enhance ball flight
Alignment Integrated Marking (A.I.M.) sidestamp is an integrated guide for improved putting alignment
Your Choice of Pro V1 or Pro V1x
Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day Woot Limited Warranty

http://sport.woot.com/offers/titleist-pro-v1-or-v1x-golf-balls12...
Golf Deals

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

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

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

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

Since then I'm working with a direct lender and got a similar deal as he was supposed to get just about $800 more in costs. How do I go about getting this guy arrested or in serious trouble? I wanted to put the fear of god into this guy but my friend restrained me from beating the living shit out of him.
Discussion Deals
Ion Block Rocker $95 or $120 @ Costco B&M
Added on : Saturday July 12th 2014 02:00:03 PM
g: 0 Posted By: peas
Views: 56 Replies: 0 Costco has the Ion Block Rocker portable wheeled bluetooth + AM/FM radio sound system for $120. Their website lists the same pricebut it's not available for shipping anymore. The store near me has had it for at least a few weeks and there were plenty left.

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

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

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

For comparison, it's$165 @ Amazonwith 4/5 stars.
Electronics Deals
g: 0 Posted By: webdoctors
Views: 259 Replies: 0 I just put in this order this morning, best deal for people with Kohl's credit cards (like me). Coupon codes stacked:
JUST4U(15 off 50)
-$15.00
SUNNY(15% off your entire order)
-$9.66 (I had an order with $80 subttotal)
FREE50JULY
Shipping: FREE
Total price $55+tax ($4)

I used discover so hopefully get 5% CashBack from shopdiscover

Got some spectacular deal with a bunch of clearance items already on sale

Home & Garden Deals

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

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



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

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


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

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



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

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

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

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

Montmartre Neighborhood Guide (Bravo Your City! Book 6)
http://www.amazon.com/gp/product/B00EDE3RC2
Totally Free Deals
Alert: SJ KUNDBOKNING Credit Card Scam Strikes Again!
Added on : Saturday July 12th 2014 05:00:05 AM
g: 0 Posted By: jr9726
Views: 99 Replies: 1 My credit card was just charged yesterday, July 11, 2014 by this SJ KUNDBOKNING twice, one for $198.36 and another for $133.49, in an attempt to max out my credit card. Luckily, I only had about $400 of available credit left on it. I was getting ready to pay my bi-annual insurance premium so I made an extra payment recently and went to check my online statement to see if it was already credited. That's when I noticed this unauthorized charge on my account. I was infuriated. That was a lot of money to me. Now, I don't have enough available credit to pay for my bi-annual insurance premium which is due by next week because of this unauthorized charge. So I called the bank right away and they too knew that this was a scam charge after checking their database. They took care of the unauthorized charges by taking responsibility for them while they investigate and alert authorities, and they restored my account balance. They also deactivated my credit card and issued me a new one after confirming the last valid charge. They told me that this scam charge may have been carried out through hacking some vendors' point-of-sale computers and that there was nothing I could have done to prevent the scam artist from stealing my credit card number on those vendors' files. So check your online statement and report this unauthorized charge immediately if you notice it. That is the only way to stop the scam. Another way is to have the perpetrator of this scam arrested if you know who it is. If you do, please call police and report the credit card thief!
Personal Finance Deals
g: 0 Posted By: st4rdust
Views: 111 Replies: 0 Ulta has the Urban Decay Travel Size Trio on sale for $12.00with free shipping on orders of $50 or more. Otherwise, flat rate shipping is $5.95.

Includes travel sizes of:

Eyeshadow Primer Potion (Deal Editor's Note: thishas a cult following, and for good reason! )
24/7 Glide-On Eye Pencil (Rockstar, a universally flattering aubergine)
All Nighter Makeup Setting Spray
LG - 23.8" IPS LED HD Monitor $189.99 w/FS @ Best Buy
Added on : Friday July 11th 2014 07:00:05 PM
g: 0 Posted By: ctgolfer
Views: 86 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.
23.8" 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-23-8-ips-led-hd-monitor/3830006.p?id=121...
Monitors Deals

Best Buy Coupons
Electric company thinks I don't have service
Added on : Friday July 11th 2014 11:00:06 AM
g: 0 Posted By: dobby10
Views: 178 Replies: 5 I just realized this week that I hadn't seen an electric bill in a while. So I logged into my account and saw the last bill from early June, that was only for 5 days of service. I dug deeper and saw that their website stated my account was closed so I would be unable to pay online, or submit meter readings.
I sent them an email inquiring (their phone hours suck and there's always a wait on the phone). They email back 2 days later, "our records show you're service is disconnected as of may, please call if that's incorrect". I replied back, that their records are wrong and they need to correct them, should they need to speak to me, here's my number.

Any thoughts on what's my responsibility here? I've done some diligence in trying to get them to correct their records, but I'm not planning to go out of my way to correct their screw-up.
Free electricity? Pay your bills deadbeat?
Discussion Deals
Plush Panda Pattern Eyeshade - $0.89 FS @ MiniInTheBox
Added on : Friday July 11th 2014 04:00:04 AM
g: 0 Posted By: SieSilverStars
Views: 191 Replies: 0 The Plush Panda Pattern Eyeshade is on sale at MiniInTheBox for $0.89 with free standard shipping.

Link

You're able to get free Expedited shipping on orders over $35.00.

Received 5/5 stars based on 401 customer reviews on the product page.
Health & Beauty Deals

MiniInTheBox Coupons
g: 0 Posted By: SieSilverStars
Views: 246 Replies: 0 Aeropostale is offering an extra 20% off and free shipping on the Live Love Dream Activewear Items.

Link

Use 20% + Free shipping coupon code "TRYON" during checkout for the discounted price.


Notable Items:
LLD Mod Geo Yoga Capris - $10.40 After Coupon w/ Free Shipping
LLDL Shadow Stripe Track Jacket - $23.71 After Coupon w/ Free Shipping (Pictured)
Clothing Deals

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

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

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

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

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

Beyond: Cant comment, this is where I am

Note: many (if not most) credit card rejections can actually be overturned if you pick up the phone and call the reconsideration line for that lender to talk to an underwriter. Dont be afraid to ask What can you do for me? If youve been a customer for that bank for a while, let them know etc.
Discussion Deals
g: 0 Posted By: kickerstarter
Views: 354 Replies: 0 Received this targeted promotion in my eBay mailbox:

"Your smartphone will sell OR you'll get $100"
(partial) Fine print said: Sellers can create a Qualifying Listing in three different ways: (1) listing an eligible cell phone in auction-style format and accepting the starting price guidance provided by eBay as the starting price for that listing; (2) listing an eligible cell phone in auction-style with Buy It Now format and accepting the starting price and Buy It Now guidance provided by eBay as the starting price and Buy It Now price for that listing; or (3) listing an eligible cell phone in the fixed price format and adopting the fixed price guidance provided by eBay by setting that price for that listing. If the seller creates a Qualifying Listing, but his/her cell phone does not sell at all, then that seller will receive a $50 coupon towards his/her next eBay purchase. Coupons will be fulfilled approximately six (6) to eight (8) weeks after the start of the Promotion.

A list of eligible cell phones is available here.

To be included in the Promotion, a Qualifying Listing must be a bona fide listing that includes: (a) a correct title that accurately reflects the cell phone being sold; (b) an accurate photograph of the cell phone being sold; (c) an accurate description of the condition of the phone; (d) shipping costs that are the lesser of $15 or the average, usual, and/or customary range for similar or identical cell phones. Without limiting the foregoing, all elements of the Qualifying Listing must be truthful and accurate, and must not contain any words, messages, images, icons, or statements that have the effect of asking buyers to avoid buying the listed item or informing the buyer that the actual item is not as described in the title and photograph. Listings that contain any of the foregoing will be disqualified from the Promotion.


Notice the fine print says $50 but title says $100. The eligible phones includes some very old Apple, HTC and Samsung phones. I happened to have one of them. The rule did not mention anything about condition. So you can potentially mention in the listing that your phone had dropped in toilet to discourage buyer. You must list by 7/15. I'm not posting the full rules because you should have it in your eBay inbox if you are eligible.
Cell Phones Deals

eBay Coupons
Targeted - $100 eBay coupon if your (select) smartphone does not sell
Added on : Thursday July 10th 2014 01:00:02 PM
g: 0 Posted By: kickerstarter
Views: 51 Replies: 0 Received this targeted promotion in my eBay mailbox:

"Your smartphone will sell OR you'll get $100"
(partial) Fine print said: Sellers can create a Qualifying Listing in three different ways: (1) listing an eligible cell phone in auction-style format and accepting the starting price guidance provided by eBay as the starting price for that listing; (2) listing an eligible cell phone in auction-style with Buy It Now format and accepting the starting price and Buy It Now guidance provided by eBay as the starting price and Buy It Now price for that listing; or (3) listing an eligible cell phone in the fixed price format and adopting the fixed price guidance provided by eBay by setting that price for that listing. If the seller creates a Qualifying Listing, but his/her cell phone does not sell at all, then that seller will receive a $50 coupon towards his/her next eBay purchase. Coupons will be fulfilled approximately six (6) to eight (8) weeks after the start of the Promotion.

A list of eligible cell phones is available here.

To be included in the Promotion, a Qualifying Listing must be a bona fide listing that includes: (a) a correct title that accurately reflects the cell phone being sold; (b) an accurate photograph of the cell phone being sold; (c) an accurate description of the condition of the phone; (d) shipping costs that are the lesser of $15 or the average, usual, and/or customary range for similar or identical cell phones. Without limiting the foregoing, all elements of the Qualifying Listing must be truthful and accurate, and must not contain any words, messages, images, icons, or statements that have the effect of asking buyers to avoid buying the listed item or informing the buyer that the actual item is not as described in the title and photograph. Listings that contain any of the foregoing will be disqualified from the Promotion.


Notice the fine print says $50 but title says $100. The eligible phones includes some very old Apple, HTC and Samsung phones. I happened to have one of them. The rule did not mention anything about condition. So you can potentially mention in the listing that your phone had dropped in toilet to discourage buyer. You must list by 7/15. I'm not posting the full rules because you should have it in your eBay inbox if you are eligible.
Cell Phones Deals

eBay Coupons
g: 0 Posted By: robobigwaverider
Views: 127 Replies: 0 http://secure.newegg.com/Shopping/ShoppingCart.aspx

My first deal....

I just bought one, however, Google Checkout on my iPhone 3GS didn't give me the $15 discount. Had to call Newegg and they gave me the discount over the phone. Not the best reviews on Newegg, but not bad on Amazon. Couldn't find any reviews for the 2TB but here is one for the 3GB. http://www.techradar.com/reviews/pc-mac/pc-components/storage/di...
External Hard Drives Deals

Newegg Coupons
Sump Pump Failure-Allstate
Added on : Wednesday July 09th 2014 09:00:06 PM
g: 0 Posted By: JenMP
Views: 2 Replies: 0 We just bought our first house, a few weeks ago actually. We have Allstate for home insurance. Our basement flooded today. My studio is down there and thankfully not too much was ruined. The carpet is soggy, and we had like 1-2 inches, the shelves are ruined, and the wood floor in the bedroom is ruined, other than that, from what I can see, we are good. AWESOME thing is I put sump pump insurance on the house on Monday, and the basement flooded today (Wednesday, so 2 days later) We have $10,000 on it. Since it was late, they haven't been super helpful. I'm worried that the emergency crew we had come out to start the process of getting the water out is covered. I asked Allstate numerous times and the people I talked to didn't know. I am HOPING it's covered because I think it's like $4000. That's my question. Also, is there a way for me to strongly urge Allstate to cover new floor? I'd rather just have tile put down there because the carpet will just get ruined if this ever happens again. The guy checked it when he came to start sucking out the water and etc and said he didn't think it was too damaged. IDK what it's called, but the thing underneath the carpet (not the mat, its the plastic thing on the other side of the carpet) wasn't coming off. I seriously do not want this carpet and am hoping they will cover tile. Welcome to home ownership I suppose. lol
Question Deals
Has anyone invested in a venture capital firm... not an ETF?
Added on : Wednesday July 09th 2014 03:00:07 PM
g: 0 Posted By: chc
Views: 144 Replies: 1 I always read articles about venture capital firms and wanted to know if anyone has had the fortune (pun intended) to invest with one? I'm not speaking for an ETF or mutual fund that diversifies like a hedge fund. I'm speaking of a venture capital firm that requires large net worth (usually over $5 million) and minimum investment of $500K. They will invest in start ups, private equity business, etc.

Just curious to hear some honest results, good and bad.
Investing Deals
Has anyone invested in a hedge fund... not an ETF?
Added on : Wednesday July 09th 2014 02:00:06 PM
g: 0 Posted By: chc
Views: 72 Replies: 0 I always read articles about venture capital firms and wanted to know if anyone has had the fortune (pun intended) to invest with one? I'm not speaking for an ETF or mutual fund that diversifies like a hedge fund. I'm speaking of a venture capital firm that requires large net worth (usually over $5 million) and minimum investment of $500K. They will invest in start ups, private equity business, etc.

Just curious to hear some honest results, good and bad.
Investing Deals
g: 0 Posted By: remick
Views: 85 Replies: 0 Brick ABC: An Alphabet Book Illustrated with LEGO Bricks
http://www.amazon.com/dp/B00CPVO9RM

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


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

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



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

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



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

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


Books & Magazines Deals
g: 0 Posted By: hellokitty27
Views: 214 Replies: 0 Nordstrom has the Under Armour Men's Tech Loose-Fit Fleece Hoodiefor $29.98 w/ free shipping. Choose from Moonshadow/White or Red/Graphite. Sizes S - XL.

Front Zip Closure
Drawstring Hood
Side-Entry Welt Pockets
Polyester; Machine Wash

Clothing Deals

Nordstrom Coupons
Give Back Box
Added on : Wednesday July 09th 2014 11:00:09 AM
g: 0 Posted By: KCQT
Views: 192 Replies: 1 Not sure if this had been posted or not:

Stick this label onany box of donated items to Goodwill and you won't pay a dime in shipping!
http://givebackbox.com/How does Give Back Box work: Using Give Back Box is simple, all your need to do is take the stuff that you no longer want or need, place them in the online retailers shipping box which you have just received, seal the box, attach the pre-paid shipping label provided to the box and ship as usual. If a box arrives without a label inside, you can go to www.GiveBackBox.comto print a free shipping label.Is there a weight limit? There is no weight limit to your donation so please do stuff the box with as much items as you can and are proud to donate. We ask that you do not put glass or dead weight in the box.What does it cost me to ship my donation? It is completely FREE. You do not pay anything to ship your donation.What can I send? Any household items that you are proud to donate, e.g: Clothes, shoes, Jewelry, Electronics etc. Anything that will fit into your box.Where is my donation going? Currently all the donation is going directly to Goodwill, the non-profit charity.How do I ship this? You would ship as usual. If the return label is marked UPS then just drop off at the nearest UPS drop-off location or at a UPS store. You can also click hereto find the nearest UPS drop-off location for you.Can I get a receipt for tax deduction? Yes you can get a tax deduction for your donation. Click herefor a tax deduction for your tax deduction receipt form.If I am a charity how do I get involved? If you are a non-profit charity and would like partner with us to receive item donations please email us at a info@givebackbox.com.If I am an online retailer how do I get involved? We welcome online retailers to help change the world. To learn more please email us at info@givebackbox.com.

Memberships & Services Deals
g: 0 Posted By: NonReturnable
Views: 103 Replies: 2 My wife's biological mother lives in Argentina. We live in the US.

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

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

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

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

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

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

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

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

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

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

TL;DR - Wife's broke deadbeat mom is dying of brain cancer in Argentina.. Any advice about how to get burial or ashes worked out, any personal belongings the wife wants shared shipped up here, and any possibility of life / burial insurance worked out.
Personal Finance Deals
g: 0 Posted By: CanisMajor
Views: 97 Replies: 0 The threads mentioning this have been archived as far as I can tell, I also posted this in the deal discussion forum Class Action thread. Just got this email today:

A federal court appointed us Settlement Administrator of what is known as the ING Rate Renewal Settlement Program. We previously mailed you a letter notifying you that you will be sent a check from this class action settlement. The minimum payment will be $25 per loan, and the average paymentis expected to beapproximately $175 per loan. You should read that letter in its entirety. This email simply serves as a courtesy reminder of your legal rights and options. Your legal rights will be affected by this Settlement, whether or not you take any action in response to it.

If you either (1) got an Orange Mortgage or Easy Orange Mortgage from ING during the period from October 1, 2005 through May 31, 2009, or (2) had an Orange Mortgage from ING before October 1, 2005 and did a Rate Renewal of your Orange Mortgage some time from October 1, 2005, through May 31, 2009, you can:

1. Do Nothing The borrowers on your ING loan will get a check for at least $25. You give up all claims against ING relating to Rate Renewal.
2. Exclude Yourself You will get no payment. This is the only option that allows you to be part of any other lawsuit against ING that involves the legal claims in this case.
3. Object or Go to a Hearing Write to the Court about why you dont like the Settlement or ask to speak in Court about the fairness of the Settlement.

To find out how much you will be paid if you do not exclude yourself from the Settlement, visit: https://www.ingraterenewalsettlement.com/ . You can log on using the 9-digit Notice # (located at the top of this email) and the last four digits of your social security number to find out the estimated amount of your expected payment, review your detailed notice and obtain other information about this lawsuit, the Settlement, and your rights.=12ptYou can also see the address to which your Settlement check will be sent.

Important Note: prior to 7/8/14, the website was not displaying the proper address for all users. The issue has now been corrected, and we encourage you to verify the address that now appears on the website. You can also call 1-855-770-6954 or write to

ING Rate Renewal Settlement Administrator
PO Box 85006
Richmond, Virginia 23286-9303

Sincerely,
Settlement Administrator
ING Rate Renewal Settlement Program


Discussion Deals
g: 0 Posted By: rbej
Views: 115 Replies: 0 Bought a new home (for personal use) and had issues with the finish for the cabinets. Homebuilder could not resolve the issue. Resolved with the home builder that they would give a sum of money (roughly 9K)for me to work with a third party to get the repairs made. They issued me a 1099-MISC. If I just report it on the "Other" income section in tax software like TurboTaxI get taxesowedon this income. I was under the impression that settlements for loss of value settlements were not taxable per this publication:http://www.irs.gov/pub/irs-pdf/p4345.pdfIf I am not required to report the 1099-MISC per the above then how to I not get a nasty letter from the IRS? The publication states I need to "adjust my cost basis for the property", but since this is my personal home I really do have an option to do that until I eventually sell the home.Seems like I should have this listed on my return somewhere but then offset this income with an expense.

Probably should go to a tax accountant to handle this question but hoping there is an easy answer I can research further, I do my own taxes and for the most part know how to handle most tax issues I have. This is new to me.Thanks in advance for the help!
Personal Finance Deals
g: 3 Posted By: ShoppingChick
Views: 211 Replies: 0 WalMart hasOzark Trail Instant 10x10 Straight Leg Canopy w/ 4 Folding Quad Arm Chairs on sale for $78.00 (was $122.49) with free shipping.

100 square feet of shade
Dual canopy vents
Heavy-duty polyester canopy
50-plus UV protection
Includes wheeled carry bag
Includes stakes and tie downs
Measures: 10' x 10'
Construction: polyester and steel
Height: 111"

The next lowest price is from Bonanza for $131.77.

Sports & Outdoors Deals

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

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

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

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

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
Hotwire Chargeback on AMEX - how to escalate?
Added on : Tuesday July 08th 2014 06:00:06 PM
g: 0 Posted By: christoj879
Views: 67 Replies: 2 I've tried a chargeback with AMEX twice on a H0twire purchase, both times it was denied. H0twire flat-out denied a refund hence my attempts with AMEX. The first time H0twire faxed a form saying no refunds, and AMEX sided with them. The second time I don't think they even read the supporting documentation (didn't realize AMEX had a document upload site the first time I submitted it, so I submitted pictures the second time).

Here's my case:

1. The hotel was advertised as smoke free (smoke free icon on the amenities guide)
2. H0twire's amenities guide lists the smoke free icon as meaning the entire hotel is smoke free
3. H0twire guarantees smoke free rooms as per their help pages, IF a smoke free icon is displayed in the amenities guide of the hotel, which it was
4. The hotel was not smoke free, as evidenced by not only the smell but burn marks all over the furniture and sheets (took plenty of pictures)

Maybe I'm looking at it wrong, but I paid for X (non smoking room, guaranteed by H0twire) and got Y (smoking room). Even if a merchant says no refunds, are they not obligated to sell you what you ordered?

I had to escalate to a manager to even open the second chargeback. Both declines said it was because there was a "no refunds" policy.

I'm very surprised by this, AMEX is usually quick to side with the customer.

Any ideas on how to go about this? Suck it up? Executive customer service? AMEX is my go-to card, my spend over the last two years is in the low six-figures, is this something they would care about/help sway my case if I brought it up? Or am I in the wrong here?
Credit Deals
Chase doesn't want to lend to ex-cons
Added on : Tuesday July 08th 2014 05:00:07 PM
g: 0 Posted By: Coto
Views: 52 Replies: 0 I have posted my story here once before but long story short I did a ten year stretch from age 20-30. Got out with no money and moved to a warmer climate. 13 years later, I own a business which will probably do 10 million in sales this year. I have a staff of about 50. Married to a girl who couldn't even speak English when we met and who now makes herself a low 6 figure salary and has her MBA. Will be sending our child to the most prestigious prep school kindergarten this year at a cost of $20,000 (which sickens me somewhat as I'm from Mass and I don't know about now, but public school was good enough for all of us). I drove by Milton Academy 500 times and never knew anyone who went there. But alasI live in a state where public education is poor.

Anyway I have never had trouble getting loans, small lines of credit, equipment financing etc. At one point I owed GE a million dollars. So I wanted to buy a commercial piece of property and was told that due to my past, it would probably fly with the SBA underwriters but Chase will not lend me more than $100,000 (anything above that asks if I have ever been a felon).

This is the same Chase that for the last month while I did my ATM check deposits I had to sit there and stare at a notice telling me that it's LGBT month. (I am not against them, I just don't need to know who is sleeping with whom). I am not too worried as I know I can go to another bank but I liked Chase. This crime happened over 20 years ago, why should I have to explain myself to anybody?

It's funny because my wife works in compliance and I don't know what bank it was, but they just got an approval to open an account for someone who was convicted of money laundering. The difference between that guy and me: he is a billionaire and I am not.

Anyway just a slight rant. I made it this far and still have a long way to go. Chase can go stick it!
Discussion Deals
g: 0 Posted By: bigdinkel
Views: 87 Replies: 2 http://www.washingtonpost.com/posteverything/wp/2014/07/08/this-is-what-happened-when-i-drove-my-mercedes-to-pick-up-food-stamps/

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

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

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

Target Coupons
Samsung Galaxy S4 Battery Spare $4.99
Added on : Tuesday July 08th 2014 11:00:02 AM
g: 0 Posted By: tyninja
Views: 69 Replies: 0 Hi, I was looking for a Galaxy S4 battery and found Amazon has it for $9.99 - $5.00 off code:MYCX5Z7Zfree shipping and no tax (at least in CA) = $4.99

with code:
MYCX5Z7Z

NOOT 2600 mAh Li-ion Battery for the Samsung Galaxy S4

I've used Noot for my Note 3 and it works well. The battery runs just as long as the original. Plus they have a 24 month hassel free guarantee. I had one that was damaged and they shipped a replacement next day. Good customer service.
Batteries & Chargers Deals

Amazon Coupons
Small Pension Buyout
Added on : Tuesday July 08th 2014 08:00:09 AM
g: 0 Posted By: mythosaz
Views: 30 Replies: 0 OK folks, I'd like to borrow upon your wisdom for a moment.

I've looked at a couple of calculators, and they seem to confirm what IthinkI'm seeing, but I'd like a second opinion.

When I left a long-term job last year, I was surprised to find I had earned a small pension. For purposes of this discussion, lets call it $325/mo, eligible in 2035. It has a lump sum option today in the 13-14k range, which seems to jive what what calculators tell me. It has no survivor benefits, so it's good for me alone, from 65 until death. I don't have any unusual medical conditions.

I'm in a position now where I need a new (to me) car, and a used crown vic doesn't quite meet with my needs. I drove my last 20k 2007 vehicle into the ground with almost 200,000 miles on it, and I'm weighing my options.

I try to look at things like this: If I had $13k cash now, would I use it toward/for/as-part-of a new (to me) car, or would I buy a 13k annuity with a 325/mo payout at 65? I know that it's worth much more should I survive to 70, but would I buy said annuity today versus dealing with more pressing issues.

Some minor background, as it might help determine the real value of the pension to me and my family. Because of numerous troubles in the last, well, decade, my wife and I have little cash or retirement savings, but we're both employed in good jobs, and we've got three properties. [A rented condo owned lock stock and barrel, a rented home about half way through the mortgage breaking even, and a primary residence in year 10.] After losing my long-term job, I've been contracting, so it hasn't always been easy to keep cash between gigs.

The wife and I plan to keep using bonuses and excess salary (is there such a thing) to keep paying down the rental house, and then attacking our real mortgage. I know that isn't strictly the best plan, but I enjoy the feel of ownership. Owning a house is more valuable to me than playing a game with mortgage interest or keeping it liquid to invest. This is the primary reason I'm conflicted about a small pension. Iownthat, so to speak.

I don't want to turn this too much into a car discussion. I'd just like to know the pros and cons of what to do with 14k today versus having a $325 pension.
Investing Deals
Deeply in debt and wants to retire
Added on : Tuesday July 08th 2014 06:00:07 AM
g: 1 Posted By: diquando
Views: 237 Replies: 8 I'm my own worst enemy and basically the root of all of my problems is my behavior.

Had to get that out of the way. Anyway, here's my story.

Mid 50's work for local government and have enough service years in that I can retire with a full pension. I make about 75k a year and will get about 50k in a pension. I have about 120k in a 457 plan that is only there because they won't let me borrow/withdrawal from it. So things seem okay as far as being "to live" in retirement. No kids, (raised my sis 2 kids though and they're both in their early 20's and working -- not a huge financial burden there), no spouse. (No savings either).

I owe about 115k total -- that's the house, the car and 50k of cc debt. Owe 53k on the house and 9k on the car.

I'm a compulsive gambler and cannot stop. I've been to GA twice and as soon as I get things cleaned up a bit and see light at the end of the tunnel financially, I start again and mess everything up. When I'm not in a casino, I manage my money well; but inside a casino I'm a stone lunatic and will gamble until every dime is gone. Afraid to retire because I'll get access to the 457 account along with other one-time lump sum monies. Many people would love to have my retirement but I see my future as being broke on the 2nd of every month and living catch as catch can until the next check. I have 10 credit cards with balances on them. Plus I do cash advance stuff that can mess up my checks. On the infrequent occasion when my money is okay (didn't lose everything), I put extra on my charges. The plan is to pay them off one at a time with the cards with the highest interest rates paid off first. But I did a lot of balance transfers last year and some are beginning to expire and I cannot pay them off so I'm paying like 18 per cent on 10k, 14% on 15k, etc. I will be drowning soon.

I'm done some things like get the casino's to lower my check cashing to zero available and will talk to the bank about eliminating the advance availability, but I need to do something else to help me get control and put my money on debt. I don't know what to do really. I'm asking this from a financial standpoint. I used to chair GA meetings and I know how that works but I need a way to be able to control my income so that it will not be available for me to gamble up. I'm pissed off because I started my job 31 years ago today and I have very little to show for it. All my debts, except the house, car and medical bills are from gambling. I don't have anyone I trust enough to "handle" my money; and I believe that except for the gambling I can manage my money quite well, when there's some left over. My dream of being able to spend my time traveling (not a whole lot), on hobbies, and volunteer work is just that, a dream.

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

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

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

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

That is current status. I'll try to update this thread as I find out more.
Discussion Deals
Advice on how to make 60k+/year
Added on : Tuesday July 08th 2014 05:00:08 AM
g: 0 Posted By: AGmagic
Views: 198 Replies: 9 I've been a long time lurker, and signed up a while back. I know 60k/yr is not much, but what can I do to get there? I am currently 26 and still live at home and find it somewhat difficult to make ends meet. I've taken up a frugal lifestyle and still not able to make ends meet. So what options do I have? I know I'll get flamed a little, but doesn't matter I'm hungry to make some $ so I can start moving forward in life.

I currently work a dead end technician job, getting paid low entry level pay. Most my money goes to.. nothing really. about 20% of my check goes to parents, the rest are just food/gas/insurance. Currently had unexpected car maintenance come up so that may be the reason why I'm struggling.

Any advice. I've been in school in and out, its discouraging when I see people with no degrees making 100k. I took no loans out, but recently the last two semesters took loans out. School is expensive these days. At least for me anyways.

TIA
Personal Finance Deals
g: 0 Posted By: st4rdust
Views: 59 Replies: 0 According to majornelson.com, the Xbox Games Store will feature an Ultimate Games Sale this week.

Deals available right now:

Fable Trilogy(Xbox 360) - $40.19
King of Fighters XIII(Xbox 360) -$7.49
Assassin's Creed IV: Black Flag(Xbox 360) -$24.79
Zoo Tycoon (Xbox 360) -$14.99
Halo Spartan Assault (Xbox 360) -$3.39
TMNT Out of the Shadows (Xbox 360) -$5.09

Xbox Live Deals
g: 0 Posted By: cvrev
Views: 128 Replies: 0 Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support

$24.99 with Free Shipping - Here is the CODE:CMCLT64S(Has to be bought though "Avantree_Direct")

specially designed for the motorcycle rider
reduces wind and road noise for CLEAR sound in moblie communication or intercom when riding.
MULTIPOINT - connect 2 Bluetooth device at the same time, or connect one Bluetooth device and one intercom.
GPS support - hear GPS direction information from Moto-friendly GPS
Easy installation and dismantlement

Product DescriptionAvantree HM100-A, upgraded from HM100, one multipoint Bluetooth helmet headset with wireless Interphone, Music and GPS support and water proof, specially designed for motorcycle rider, reduce wind and road noise to get clear sound in mobile communication or intercom when riding. Multipoint to connect 2 Bluetooth mobiles or devices at the same time, or connect one Bluetooth device and one interphone. Function: Switch on/off Pairing Answer, End, Reject, Cancel a call Answer, End, Reject, Cancel an intercom Send out an intercom Support Bluetooth music and GPS Volume up/down adjustment Last number redialing Transfer a call between mobile and headset Switch between 2 mobile calls Switch between one mobile call and one intercom Specification: Bluetooth V2.1+EDR Chipset: CSR chip Support profiles: Headset profile, hands free profile and A2DP Operation Range: Class 2, 10 meters Work time: up to 7 hrs. Standby time: up to 80 hrs. Charging time: About 2 hours Charging voltage: DC 5V Main body: 81mm X 42mm X 18mm Weight: 52gWhat is in the box: Helmet headset Main Boom mike and speaker Mini USB charging cable User manual Warranty card

11 of 11 people found the following review helpful5.0 out of 5 starsBest Buy,May 7, 2012ByErnest Respi-See all my reviewsVerified Purchase(What's this?)This product works as good as the expensive ones. I am 100% satified on the product performance. My Harley is loud and the conversation is clear on both ends.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment (1)7 of 7 people found the following review helpful5.0 out of 5 starsWorks better than reviews,August 10, 2013Byitworks-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)I've been using this with a full face helmet. It rocks both voice calls and music from my phone. Not sure what others dislike about this product but for the price it is amazing and works.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
3 of 3 people found the following review helpful5.0 out of 5 starsGreat,December 19, 2012Byjr29657-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)This works great for the price .its only has one speaker which I like it because its not to Distracting when listing to music ,phone works good at 55 miles per hours I haven't tryed it at higher speeds.some of the higher end unit haven't got good review above 55 anyway For me it took a little time to get used to the buttons but that the only down side for me. Like alway shipping was fast and great doing Business with Amazon which I do alot of.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
1 of 1 people found the following review helpful5.0 out of 5 starslove it,May 23, 2014Bypleasebuybeer-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)Works great. I replaced a Parrot unit with this. worked with a Windows phone and my Iphone. i use it for call and listening to music but calls can be tough because of the ambient noise. I am still happy with it a year later.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
1 of 1 people found the following review helpful5.0 out of 5 starsJust as advertised.,May 13, 2014ByRichard Matthews-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)It preforms great. Easy to use and sound quality is good. Its easy to install and operate. I can listen to music , answer my phone and talk helmet to helmet to my wife. I've already recommend it to several friends I ride with.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
5.0 out of 5 starsBluetooth helmet device,June 22, 2014ByYolanda G.-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)The device is what I expected. It works fine with the Gps of the motorcycle. I had a little hard time trying to find the right volume level but it was not adevice fault. I forgot to set the Gps volume to the max and then was much easier to find the right volume level of the speaker inside the helmet. Definitly I recommended.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment
5.0 out of 5 starsNice device,September 1, 2013ByStickley-See all my reviewsVerified Purchase(What's this?)This review is from:Avantree HM100-A Waterproof MULTIPOINT Bluetooth HELMET Motorcycle Kit headset with Streaming Wireless Music A2DP, Wireless Interphone And GPS support (Electronics)Works very well. Mounted the Velcro backed speaker on the top of the chin strap and can hear it well with my iPhone. I listen to Bluetooth radio to get local traffic reports on my commute to work.Help other customers find the most helpful reviewsWas this review helpful to you?YesNo=x-smallReport abuse|=x-smallPermalinkCommentComment


​AMAZON LINK
Cell Phones Deals

Amazon Coupons
g: 0 Posted By: st4rdust
Views: 140 Replies: 0 Today only, E.L.F. Cosmetics is offering 50% off everything with coupon code "OHYEAH". Shipping is free on orders of $35 or more, no coupon required. LINK


Instructions:

Visit e.l.f and add a minimum of $35 worth of product to your shopping bag.
Add code "OHYEAH" to the promotion code box at checkout to receive 50% off your order.
Cannot be combined with any other offers or applied to previous purchases. Excludes Beauty Bundle plans, and Gift Cards. Maximum discount $100. Limit one order per shipping address with this code.
Offer valid online only. Offer ends 11:59PM PST.



Pictured:

e.l.f. Essential 14-pc. Nail Cube (Limited Edition) (Brights) - $14.00


Other notables:

e.l.f. Studio Endless Eyes 100-pc. Pro Eyeshadow Palette (Limited Edition) -$10.00
e.l.f. Studio Makeup Clutch Palette -$15.00

e.l.f. Deals
Stila Sensational-Eyes Set - $8.00 @ Stila
Added on : Monday July 07th 2014 01:00:02 PM
g: 0 Posted By: hellokitty27
Views: 1 Replies: 0 Stila has the Sensational-Eyes Setfor $8.00 w/ $5.95 shipping or free shipping on orders $50+. Contains a palette w/ two eyeshadows, Seashell and Burgundy, and Major Lash Mascara in Black.
g: 0 Posted By: ctgolfer
Views: 84 Replies: 0 Sold and Shipped by: DavisMax

Brand
Canon
Series
EOS
Model
EOS M (6609B074)
Color
Black
Dimensions
Approx. 4.28 x 2.62 x 1.27 in.
Weight
Approx. 9.2 oz. / 262g (body only)
Approx. 10.5 oz. / 298g (According to CIPA Standards)
Package Type
Single Lens Kit

Image Sensor
Image Sensor
CMOS
Image Sensor Size
22.3 x 14.9 mm (APS-C size)
Gross Pixels
18.5 MP
Effective Pixels
18 MP
Aspect Ratio
3:2 (Horizontal : Vertical)
Color Filter System
RGB primary color filters
Dust Cleaning System
(1) Self Cleaning Sensor Unit
- Removes dust adhering to the low-pass filter.
- Self-cleaning executed automatically (taking approx. 2 sec.) when power is turned on or off. Manual execution also possible (taking approx. 5 sec.).

(2) Dust Delete Data acquisition and appending
- The coordinates of the dust adhering to the low-pass filter are detected by a test shot and appended to subsequent images.
- The dust coordinate data appended to the image is used by the provided software to automatically erase the dust spots.

(3) Manual cleaning
Resolution
(1) Large: Approx. 17.90 Megapixels (5,184 x 3,456)
(2) Medium: Approx. 8.00 Megapixels (3,456 x 2,304)
(3) Small 1: Approx. 4.50 Megapixels (2,592 x 1,728)
(4) Small 2: Approx. 2.50 Megapixels (1920 x 1280)
(5) Small 3: Approx. 350,000 Pixels (720 x 480)
(6) RAW: Approx. 17.90 Megapixels (5,184 x 3,456)

White Balance
White Balance
Auto (Approx. 3,000 degrees - 7,000 degrees K), Daylight (Approx. 5,200 degrees K), Shade (Approx. 7,000 degrees K), Cloudy, Twilight and Sunset (Approx. 6,000 degrees K), Tungsten Light (Approx. 3,200 degrees K), White Fluorescent Light (Approx. 4,000 degrees K), Flash, Custom (Custom White Balance: Approx. 2,000 degrees - 10,000 degrees K)

LCD Monitor
LCD
3.0" 1040K
LCD Coverage
Viewing Angle: 170 degrees (vertically and horizontally)
Brightness Adjustment
Adjustable to one of 7 levels

Focus
Focus Type
TTL-CT-SIR AF-dedicated CMOS sensor
Focusing Modes
With Canon EF-M Lenses:
(1) Autofocus
- One-Shot AF or Servo AF

(2) Manual focus (MF)

(3) AF + MF (manual focus after One-Shot AF)
AF Points
31 points (maximum)
AF-assist Beam
Provided
Effective range: Approx. 8.2 ft./ 2.5m. at center
Focusing Point Selection
(1) Manual selection
(2) Auto selection

Exposure
Exposure Control
Creative Zone:
(1) Program AE (shiftable)
(2) Shutter-priority AE
(3) Aperture-priority AE
(4) Manual exposure (including bulb)

Basic zone:
(1) Creative Auto
(2) Portrait
(3) Landscape
(4) Close-up
(5) Sports
(6) Night Portrait
(7) Handheld Night Scene mode
(8) HDR Backlight Control mode
Exposure Compensation
Manual: +/-3 stops in 1/3- or 1/2-stop increments
AEB: +/-2 stops in 1/3- or 1/2-stop increments
Metering System
Metering Modes:
- Real-time evaluative metering with image sensor
- Evaluative metering, partial metering (center: approx. 11%), spot metering (center: approx. 2.8%), center-weighted average metering

Metering Range: EV 1.0 - EV 20.0 (at 73 degrees F/23 degrees C, EF-M 22mm f/2 STM, ISO 100)
ISO Sensitivity
For Video:
Manual Setting range of ISO 100-6400, expandable to ISO 12800

For Stills:
1. Manual setting range of ISO 100-12800, expansion to ISO 25600
2. Auto, ISO 100-6400 (in whole-stop increments)
AE Lock
(1) Auto AE lock, (2) Manual AE lock

Shutter
Shutter Type
Vertical-travel, mechanical, focal-plane shutter with all speeds electronically-controlled
Shutter Speed
1/4000 to 1/60 sec., X-sync at 1/200 sec. (Scene Intelligent Auto)
1/4000 to 30 sec., bulb, X-sync at 1/200 sec. (Total shutter speed range. Available range varies by shooting mode.)
Self-timer
10-sec. or 2-sec. delay

Drive System
Drive Modes
Single, Continuous, 10-sec. self-timer/Remote control, 2-sec. self-timer, Continuous shooting after 10-sec. self-timer (2 to 10 shots)
Continuous Shooting Speed
With One-Shot AF or MF: Approx. 4.3 fps
Maximum Burst
Based on 8GB memory Card:
- JPEG Large/Fine: Approx. 15 Shots
- RAW: Approx. 6 Shots
- RAW+JPEG Large/Fine: 3 Shots

Based on UHS-I 8GB memory card:
- JPEG Large/Fine: Approx. 17 Shots
- RAW: Approx. 6 Shots
- RAW + JPEG Large/Fine: 3 Shots

Function
Live View Function
Shooting Modes: Photo shooting and video shooting
Focusing: Autofocus
Grid Display: Provided (Two-type grid displays)
Exposure Simulation: Provided
Playback
Display Format:
(1) Single image display
(2) Index display
(3) Jump display (Image jump w/ Main Dial)

Highlight Alert: On the detailed information and histogram displays, highlight areas with no image data will blink.
Customization
Seven Custom Functions with 19 settings settable with the camera

Recording System
Image Type
RAW and JPEG
Color Space
sRGB, Adobe RGB
Recording Media
SD / SDHC /SDXC Card

Movie
Movie Format
MOV (Image data: H.264; audio: Linear PCM (Stereo))
Movie Recording
Recording Size:
- [Full HD]: 1920 x 1080: 330 MB/min.
- [HD]: 1280 x 720: 330 MB/min.
- [SD]: 640 x 480: 82.5 MB/min.

Frame Rates:
- 1920 x 1080 (Full HD): 30p (29.97) / 24p (23.976) / 25p
- 1280 x 720 (HD): 60p (59.94) / 50p
- 640 x 480 (SD): 30p (29.97) / 25p
Max. Recording Resolution
1920 x 1080

Lens
Compatible Lenses
Canon EF-M lenses, Canon EF lenses including EF-S lenses
(35mm-equivalent focal length is approx.1.6x the lens focal length)
Lens Mount
Canon EF Mount
Lens Spec
EF-M 18-55mm f/3.5-5.6 IS STM Lens

Interface
USB
Yes
A/V Out
NTSC/PAL selectable
HDMI
Yes

Power Source
Battery
One Battery Pack LP-E12

Packaging
Package Contents
EOS M Body
EF-M 18-55mm f/3.5-5.6 IS STM Lens
Neck Strap EM-100DB
USB Interface Cable IFC-130U
Battery Pack LP-E12
Battery Charger LC-E12
EOS Digital Solution Disk
Camera Instruction Manual and Software Instruction Manual CD


www.newegg.com/Product/Product.aspx?Item=9SIA1Y318J6905
Cameras Deals

Newegg Coupons
g: 0 Posted By: st4rdust
Views: 274 Replies: 0 Today only, Amazon is offering the SHANY Professional 78-pc. Makeup Kitfor$11.63with free shipping when you checkout via Subscribe & Save.

4.4/5 stars based on 223 customer reviews.

Professional makeup kit
60 Eyeshadow colors, highly pigmented
12 Highlighting and liner shades
Mineral Oil is used to make the eyeshadows highly pigmented


Also available for $18.87is the SHANY Cosmetics: The Cosmopolitan 24-pc. Nail Polish Set.

I have had very good luck with this brand. I always use a primer - I like benefit's Stay Don't Stray- and these colors last all day.

See the rest of the Amazon Gold Box beauty sale here.
Makeup Deals

Amazon Coupons
g: 0 Posted By: st4rdust
Views: 188 Replies: 0 Today only, Amazon is offering the SHANY Professional 78-pc. Makeup Kitfor$18.00with free shipping when you checkout via Subscribe & Save.

4.4/5 stars based on 223 customer reviews.

Professional makeup kit
60 Eyeshadow colors, highly pigmented
12 Highlighting and liner shades
Mineral Oil is used to make the eyeshadows highly pigmented



I have had very good luck with this brand. I always use a primer - I like benefit's Stay Don't Stray - and these colors last all day.

Makeup Deals

Amazon Coupons
g: 1 Posted By: ctgolfer
Views: 131 Replies: 1 See Size OptionsSHANY Studio Quality Natural Cosmetic Brush Set with Leather Pouch, 24 Count

$18.50
$17.57Subscribe & Save
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See Style OptionsSHANY Cosmetics The Cosmopolitan Nail Polish Set (24 Colors Premium Quality and Quick Dry), 40 Fluid Ounce

$29.95
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SHANY Professional Makeup Kit, 78 Color

$18.95
$18.00Subscribe & Save
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See Scent & Size OptionsEO Hand Soap, Refill Size, Peppermint & Tea Tree, 32-Ounce Bottles

$16.90$16.68
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Fekkai Salon Tech Mask 7 Oz

$24.99$17.91
$17.01Subscribe & Save
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Fekkai Prx Reparatives Mask 7 oz,

$23.23$17.15
$16.29Subscribe & Save
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See Color Optionse.l.f. 83 Piece Essential Makeup Collection, 2.84-Ounce

$35.00$29.20
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Fekkai Prx Starter Kit, 1.000-Kit

$13.93$10.38
$9.86Subscribe & Save
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Fekkai Salon Starter Kit, 1-Kit

$14.99$14.97
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Fekkai Essential Shea Pot De Crme 5.2oz, 5.200-Fluid Ounce

$23.23$20.58
$19.55Subscribe & Save
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Fekkai Sheer Shape Styling Mousse 6 Oz, 6.000-Fluid Ounce

$18.58$12.63
$12.00Subscribe & Save
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Fekkai Full Blown Volume Starter Kit, 1.000-Kit

$13.93
$13.23Subscribe & Save
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Fekkai Full Blown Volume Aerosol Styling Whip 6oz

$19.99$13.37
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SHANY Cosmetics Mineral base Loose Pearl Eye Shadow Glitter/Eye Shadow 40pc Set with 2 Free Eye Shadow Brush and...

$59.95$49.74
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Fekkai Prx 3day Transformation Kit, 1.500-Fluid Ounce

$46.48$37.02
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Fekkai Essential Shea Mask 7 Oz

$24.99$21.77
$20.68Subscribe & Save
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SHANY COSMETICS Makeup Brush Set for Professionals

$34.95
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SHANY Cosmetics Urban Gal Collection Brush Kit (18 Piece Pro Brushes with Zebra Magnetic Pouch), 13 Ounce

$19.95
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Fekkai Best Of Hair Care Trial Kit

$22.00$19.60
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SHANY Cosmetics Urban Gal Collection Brush Set (9 Piece Natural Brushes with Roll-Up Pouch), 13 Ounce

$19.99$17.89
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e.l.f. 80 Piece Eye Makeup Palette

$20.00
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SHANY Cosmetics NY Collection Pro Brush Kit, 13 Ounce (22 Piece All Natural Bristles with Black Cotton Smooth...

$49.95$49.94
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SHANY 100% Mineral Eye Shadow, Eye Shades, 8 Ounce

$39.95$31.12
$29.56Subscribe & Save
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Daily Deals

Amazon Coupons
Ulta Sculpting Palette - $5.00 + $5.95 Shipping at ULTA.com
Added on : Sunday July 06th 2014 03:00:04 PM
g: 0 Posted By: jskins
Views: 311 Replies: 0 Ulta Sculpting Palette - $5.00 + $5.95 shipping = $10.95 at Ulta.com. 4.7/5 stars based on 20 customer reviews.

Available in 3 colors and shades
Features one blush
1 bronzer
1 highlighter

Even with the $5.00 shipping this is still the lowest priceI could find by $9.95.

Makeup Deals

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

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

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

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

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

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

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

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


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

TMNT 3DS
SpongeBob 3DS

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

Amazon Coupons
Dealer Service damaged vehicle - chargeback?
Added on : Sunday July 06th 2014 11:00:08 AM
g: 0 Posted By: cbyahoo
Views: 135 Replies: 1 Man, I've had one of those "awful" service experiences with Ford dealer.
I had a really expensive brake job on a commercial class vehicle. I knew the service would be expensive ($1400), but I wanted Ford to warranty the work and not have anything to worry about for a while. I'd do it myself, but this vehicle has a history of brake issues in general and I wanted the coverage.
Dropped the vehicle off, they inspected it and came up with the following:
1) Dragging front brakes, which I indicated when coming in - Recommended rebuilding all calipers and full brake job.
2) "Dirty" Fuel system - said the fuel filter was of unknown age, air filter was dirty upon inspection, and throttle body was dirty upon inspection.
3) Rear differential seal leaking (knew this going in).

I asked them to replace (not rebuild) front calipers, rebuild rears, and service the differential. I declined the fuel system service, but this caught my attention because I knew the air filter had 2k miles on it. Also the throttle body is way in the back of this thing, it's somewhat difficult to inspect. Total for service, about $1600 for the things that I approved.

They called, said it was done, picked it up a week later. Paid, picked up the keys and walked back to get it. I immediately cracked the air filter housing, wanting to see that "dirty" filter. It was clean... So I immediately got under the vehicle.
Front calipers new - new hardware, new pads. Rear calipers look great, new seals, new hardware. I notice that the front rotors haven't been turned and I had specifically discussed this with the service adviser. I can't see the rears due to a cover, but on a vehicle this big, getting the rotors off is a big job and represents at least 50% of the labor. Basically they charged me a lot for labor that they didn't actually do.

Walk back to the service adviser, he says "he'll check" - goes in the back for 15 minutes. Apparently the lathe was "down" and no one said anything. They indicate that there isn't anything they can do. I said "not OK". The sent me to the service manager.
Service manager apologizes. I tell him I want to take it and they can discount the work - I'll have it finished elsewhere. He says they'd rather complete it- "do it right". They offer some other minor services for free and I let them keep it and indicate they'll need to do something "else". I think this was my mistake as I didn't walk - and it allowed them to clean up the mess they were in - and I could have charged it back at this point. I did make sure the general manager had some visibility into what happened here.

Forward one week - they call, say it's ready (again). Won't discount it. Offer to deliver the vehicle (it's 1.5 hours away) and fill it up with gas. I OK that. They offer credit for future services (yea, right)!

Pickup the vehicle. Both mirrors have blue impact marks down the sides, not huge, but noticeable. Right mirror is out of alignment and isn't usable without disassembly. I call them, send photos of blue paint - which matches their service bay lifts. Indicate that the right mirror will need to be replaced and the left one must be replaced in order to match. Send them the part numbers + $100/labor, which is about $550. They say that the want to make it "right" and I need to let them have the vehicle again. I indicate that it's not going in for service at that dealership and that they can cut a check. They said they'd discuss it and get back to me, but that was a week ago.

At this point, I assume they're not going to discuss or cover the bill. Two questions:
1) Can I charge back due to damage that occurred as part of their service? Card terms indicate that incorrect service or incomplete service can be charged back, but nothing about damages due to service. Chances of success?
2) I realize I can sue, of course, but we're looking at $100-$200 to have them served, court fees, etc... My time is worth more than the net result.

I have refrained from writing reviews, but I do have the "nuclear" option of documenting their "mistakes". I have written copies of them indicating that I have a dirty fuel system - dirty air filter and photos of an almost new one showing up.. Not to mention failing to actually do the work they were billing for the first time. I have not contacted Ford. I don't buy new vehicles, so I'm probably not that strong of a reference customer.

Best case, the failure to do the brake work was a communications failure and they didn't actually look at the fuel system, as that's a pretty standard dealership up sell. Worst case, they're charging for things that they don't actually do and trying to get away with it along with up selling the typical high margin services.






Question Deals
g: 0 Posted By: SieSilverStars
Views: 200 Replies: 0 Lancome is offering a free eyelash curler and a free Definicils Black Mascara with any order. On top of that they're currently offering free shipping on any order as well.

Link

Use coupon code "FREESHIP" during checkout for your bonus items, sample and free shipping.


Some of the cheaper items I noticed:

Makeup Sponge & Puff Refills- $17.00
Sensational Effects Eye Shadow Smooth Hold (Assorted Colors)- $20.00
Vernis In Love Nail Polish- $15.00
Juicy Tubes Ultra Shiny Lipgloss- $18.00

Makeup Deals

Lanc�me Coupons
1st time ever denied credit (Sears) for "Unable to verify residence"
Added on : Saturday July 05th 2014 05:00:03 PM
g: 0 Posted By: SavvyUser8739
Views: 64 Replies: 1 I've always had the very best credit. I've been renting in a condo for about 9 months after having lived in a house for 7 years. So I bought a house now and went to Sears to buy the appliances. I tried to apply for a Sears credit card so I could do no payments for a year. I had to answer a lot of the questions they use to verify you, hope I answered them correctly, and then was told no credit. 1st time ever denied credit. The letter said "Unable to verify residence." What does that mean?
Credit Deals
How to structure payment and distributions in an LLC
Added on : Saturday July 05th 2014 03:00:06 PM
g: 0 Posted By: mustachequestion
Views: 19 Replies: 0 Background:a group of friends started an LLC (all equal equity members) to dabble in residential and commercial remodeling/construction on the side (we all have full time jobs outside of the LLC). One of the guys is the subject matter expert (does the General Contractor work) and has a full time job doing this already with another company. the other two (1 is myself), are providing the business/support side of things; this includes funding startup costs, organizing the business, handling payroll, backend office/process work, marketing, sales, etc etc. The 1-5 year plan was for all of us to get familiar w/ how to quote jobs and make bids, learn the project management side of things and we would eventually have a staggered approach for bringing on each member full time with the SME being first. We have a couple of jobs lined up and had some verbal agreements regarding how the business would be structured and how dividends/salaries would be distributed but haven't formalized anything into an operating agreement that's been blessed by a lawyer.

Scenario: the guy who is our SME just recently lost his job and now will be coming on board our LLC full time (basically our first full time employee). this is a perceived positive - b/c he can now dedicate 100% of his energy towards growing the LLC. However, he basically now wants all profits to go to him up towards a certain salary (let's say $100k for example) and then after he gets paid then the rest of the profit would go back into the company and eventually get distributed in dividends how we see fit. i have some natural reservations regarding this payment structure (stifles the business growth, provides little incentive IMO for him to work beyond the 100k profit he would achieve, etc)

Question: is there a recommended way to structure salary payment so that he is fairly paid but still allows the business to grow and allow the other members to receive a share of the profits? For example, he receives 50% of the profit up until the 100k salary limit is hit and the other 50% goes into the company? Plus we agree to not dip into the company money until his salary is paid and if we have slow periods (this work is very seasonal) then we can always dip into the other 50% company funds to pay the SME. Once we all agree on how we handle profits and pay salaries then we will formalize in an operating agreement.

I have little previous knowledge on how to structure these types of things and i'm by nature very risk-adverse so I figured i would leverage the collective wisdom of the FW community to provide some insight. Thanks in advance for any advice and please let me know if you would like additional details .....
Discussion Deals
g: -1 Posted By: lovelybones
Views: 435 Replies: 2 http://www.amazon.com/Castlevania-Lords-Shadow-2-Playstation-3/d...


Video Games Deals

Amazon Coupons
g: 0 Posted By: lovelybones
Views: 243 Replies: 0 http://www.amazon.com/Castlevania-Lords-Shadow-2-Playstation-3/d...


Video Games Deals

Amazon Coupons
Liberty Mutual Auto/Home Insurance-any good?
Added on : Saturday July 05th 2014 03:00:09 AM
g: 0 Posted By: mjp123
Views: 11 Replies: 0 I've been shopping around for Car and Home insurance. We've never had any claims on either, ever, but you never know, especially with the storms getting worse here in the midwest lately.
Liberty Mutual gave me the cheapest quote that would save us approx. $600/year for the same coverage. The CSR said it wasn't an introductory rate. (lol) I'm just concerned that I've read a couple good things, but mostly not-so-good things about them. Anyone can have an agenda, and reviews are mixed on other companies too. Does anyone have experiences good or bad with LM? Thinking if it's too good to be true, maybe it is........

Thanks!

Insurance Deals
Whirlpool 7CuFt Electric Dryer WED4800BQ $299.99 AC @ Sears
Added on : Friday July 04th 2014 11:00:07 AM
g: 0 Posted By: MikeGroovy
Views: 169 Replies: 0 http://www.sears.com/whirlpool-7.0-cu-ft-electric-dryer-w-energy...
Free in-store pickup. (Delivery is only free for purchases over $399)
Used coupon code SEARS50 to knock the price down from $349.99 to $299.99 It was the cheapest price I could find. And a step up from the bottom-of-the line 6.5CuFt Roper that Lowes has for $274.00.
Been using a used $75 dryer for ages but keep having to replace the element..

Whirpool's product page:
http://www.whirlpool.com/-[WED4800BQ]-1021871/WED4800BQ/

I probably would have jumped on the Samsung model if it had steam option at that price:
http://www.fullofdeals.com/forums/hot-deals/1373497/
Appliance Deals

Sears Coupons
g: 0 Posted By: SieSilverStars
Views: 247 Replies: 0 The PS4 pre-order, The Order: 1886 Collector's Edition is on sale at Best Buy for $59.99 with free shipping.

Link

Game will be released on 2/20/15.

Collector's Edition Includes:

7-in. 'Galahad Under Fire' Statue
Collectable Steelbook, 'Coat of Arms' Stickers
Knight's Arsenal DLC
Official Game Soundtrack w/ Bonus Tracks
Unreleased Behind-The-Scenes Footage

PS4 Deals

Best Buy Coupons
Legal Advice in Civil Injury Case and Necessary Actions
Added on : Thursday July 03rd 2014 10:00:10 AM
g: 0 Posted By: couponkid319
Views: 52 Replies: 2 Hey guys,

Sorry if this is in the wrong forum, but a little advice would be greatly appreciated. A family member of mine in PA was injured recently in an accident on public transportation, and started a civil injury case. He hired a lawyer, went to court, and has had many medical expenses. Recently, this family member received a letter informing him that a settlement had been reached and agreed to by his lawyer (without his consent.) He has talked to his lawyer, and his lawyer claims that he had verbally agreed to the conditions of the settlement which is not true. He is now trying to reach out to the court and set aside that settlement and trying to take the case back to trial. What forms must he submit to the court? To further complicate the issue, the court has said the settlement was reached in March (but he had not heard anything or had anything presented to him until last week.) His lawyer has been completely unresponsive and refuses to forward documents. The biggest problem in the settlement is that he claimed medical expenses (past and future) would be covered, but that is not at all the case. He proceeded to have my family member visit many doctors who did virtually nothing and charged exorbitant fees, which are being claimed as part of the settlement. Can he still fire the lawyer? Does he have to petition the court to have him removed? If not, what happens when the lawyer demands his settlement fees. My family member has offered to pay all consultation fees for the lawyer's time but will not accept a settlement that leaves him with nearly nothing but thousands in medical bills. What document is needed to set aside the settlement? And is this a case of "nunc pro tunc?" Please help, I'm ignorant when it comes to these subjects and spent countless hours at a law library and searching the web to figure very little out.

Thanks!
Personal Finance Deals
Flaming hot - Steel Diver 3DS $3.99 @ BestBuy
Added on : Thursday July 03rd 2014 10:00:05 AM
g: 1 Posted By: rendition
Views: 345 Replies: 0 Pretty decent launch title hit Steel Diver puts you in command of a submarine vessel and has periscope missions which use the 3DS camera to move the periscope view.
$3.99 !! only?! Last best price on this game was $4.99. Flaming hot deal if you ask me, I love this game and I already boughtextra copies last time BB had it on sale:

http://www.bestbuy.com/site/steel-diver-nintendo-3ds/2290368.p?i...


3DS Games Deals

Best Buy Coupons
Sportcraft 12'x12' Slant Leg Instant Canopy $49.99 FS sears
Added on : Thursday July 03rd 2014 07:00:07 AM
g: 0 Posted By: tedhawkins
Views: 53 Replies: 0 Sportcraft 12'x12' Slant Leg Instant Canopy $49.99 FS Sears
http://www.sears.com/sportcraft-12'x12'-slant-leg-instant-canopy...Find Shade in a Hurry with the 12x12 Instant CanopyIf youre looking for an easy way to stay cool and shaded where ever you go, look no further than the Sportcraft 12'x12' Slant Leg Instant Canopy. This portable and easy to set up canopy offers protection from the sun when you are camping, at the beach, attending a sporting event or having a picnic. When set up, the canopy provides up to a total of 81 square feet of shade, and thanks to its cathedral style top, it reaches as high as eight feet nine inches in the center.The 12x12 Instant Canopy has a polyester top that is UV coated to protect you from the sun, and its steel frame provides stability and durability. It comes with a wheeled roller bag that makes the canopy easy to transport and weighs under 30 pounds. In addition to the carrying bag, the canopy also comes with a stake kit, top and frame. This canopy also comes with a one year warranty against manufacturer's defects.

The Sportcraft 12'x12' Slant Leg Instant Canopy is portable and easy to set up...

Home & Garden Deals

Sears Coupons
Luis Suarez Biting Bottle Opener $7.99 w/ FS @ PandaWill
Added on : Thursday July 03rd 2014 06:00:04 AM
g: 1 Posted By: slervik
Views: 94 Replies: 0 LINKKKKKKK


Someone had to post it.
Home & Garden Deals
Claritin 45 gel-caps $5.00 clearance WM B&M
Added on : Wednesday July 02nd 2014 03:00:02 PM
g: 0 Posted By: gently
Views: 104 Replies: 0 The shelf said normal price was $25.xx clearance price was $5.00.
I usually buy store brand, but this was much cheaper.

Purchased 7/2/14 at WalMart King of Prussia PA - they had about 7 boxes on the shelf.
All the other versions of Claritin were regular price -- 3x-4x as much per tablet.
Expiration on my box - 06/15

Good luck finding it at your store.
UPC 041100809735

Free steam key for Woodle Tree Adventures
Added on : Wednesday July 02nd 2014 02:00:06 PM
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.indiegala.com/giveaways

After the big success we had with the Afterfall Insanity - Extended Edition giveaway and after a lot of requests from our friends and fans, we decided to offer you another fantastic game on Indie Gala, this time giving you for FREE Woodle Tree Adventures, an old school platform game with a catchy and unique art style!

Required Steps *
Join IndieGala STEAM GROUP *
Enter your email address in the textbox. *
Fill in the recaptcha. *
Click the SUBMIT button! *
Totally Free Deals
Breville Refurbished Smart Ovens Starting at $109.99
Added on : Wednesday July 02nd 2014 01:00:04 PM
g: 1 Posted By: KeinoDoggy
Views: 263 Replies: 0 I accidentally broke the heating elements in my BOV800XL a month ago and since then have been waiting for a deal. Unfortunately I missed out on the deals Woot recently had. These prices are close to Woot's with free shipping and no taxes (at least in Ohio). I ordered a refurb BOV800XL for $179.99 shipped and used the 40% off code at Square Trade to get a 3 year warranty for $16.79. I could not find a code to use at the Breville site.

Breville


Appliance Deals
Fidelity Banning US Investors Living Overseas from Buying Mutual Funds
Added on : Wednesday July 02nd 2014 12:00:11 PM
g: 0 Posted By: NEDeals
Views: 104 Replies: 0 Fidelity is enforcing a tough new policy that prevents ex-pats from purchasing or making additional contributions to their mutual funds in their personal Fidelity accounts. Ex pats can still keep existing holdings. Employer plans are exempt (e.g. 401(k), 401(a), 403(b)) from the ban. Other companies are doing the same.

This seems to be in response to the US cracking down on international financial shenanigans. The recent fines and criminal cases levied against Credit Suisse and BNP Paribas have gotten the attention of financial institutions and they are looking to avoid any exposure.
Wall St Journal said: Observers said fund managers are becoming more conservative in the wake of global developments such as the U.S. Foreign Account Tax Compliance Act and other U.S. efforts....David Kuenzi, an investment manager in Madison, Wis., who works with Americans abroad, said that selling U.S. mutual funds to those investors had long been prohibited. "But it was matter of 'Don't ask, don't tell.' Now the firms are getting more aggressive about compliance," he said.Other fund companies also are changing policies for investors who live abroad.A spokesman for Putnam Investments said the firm is no longer accepting additional investments into existing accounts held by non-U.S. residents.The spokesman said the changes were made "in accordance with U.S. anti-money-laundering and 'Know Your Customer' policies" and in response to recent tightening of European laws limiting sales of funds not registered in their jurisdictions.


http://online.wsj.com/articles/fidelity-bans-overseas-investors-...
http://www.ibtimes.com/fidelity-ban-mutual-fund-trading-non-us-c...

Discussion Deals
Castlevania: Lords of Shadow 2 - Xbox 360 or PS3 $19.99 P/U @ Best Buy
Added on : Wednesday July 02nd 2014 07:00:08 AM
g: 0 Posted By: Farfisa850
Views: 161 Replies: 0 PS3

http://www.bestbuy.com/site/castlevania-lords-of-shadow-2-playst...

Xbox 360

http://www.bestbuy.com/site/castlevania-lords-of-shadow-2-xbox-3...
Video Games Deals

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

Has this ever happened to anyone else and were you able to get another card from that issuer? I need another Citi card for the Citi Presales but I'd hate to waste a credit pull applying for another one only to have to cancelled on me again.
Personal Finance Deals
g: 0 Posted By: st4rdust
Views: 100 Replies: 0 To celebrate their 10th anniversary, E.L.F. Cosmetics is offering their new Studio Luxe Brush Collectionfor $10.00 when coupon code "BDAYBRUSHES" is used at checkout. Shipping is free on orders of $35 or more. Code expires July 7th, 2014.

I love e.l.f's makeup brushes. As long as they are taken care of properly, they last forever and don't fall apart or alter their shape. They are also super soft

Set includes:

Powder Brush (buildable coverage)
Blush & Bronzer Brush (ideal for contouring with blush/bronzer)
Foundation Brush (even, full coverage)
Defining Brush (eyelid crease)
Eyeshadow Brush (brushes and blends color onto eyelid)
Eyeliner Brush (creates even, thin lines)
Lip Brush (creates defined lips)

Makeup Deals

e.l.f. Cosmetics Coupons
g: 0 Posted By: ctgolfer
Views: 34 Replies: 0 Free Bonus Item

Shutterfly 8 X 8 Photo Book - Shutterfly [Digital Download Add-On]
Shutterfly 8 X 8 Photo Book - Shutterfly [Digital Download Add-On]
Shutterfly 8 X 8 Photo Book
Usually arrives within 30 minutes, but it could take up to 8 hours.
Product Features

EF-S 1855mm f/3.55.6 EF-S IS type II lens included
Standard zoom lens with Optical Image Stabilizer. Circular aperture renders softly blurred backgrounds and stabilization allows sharp handheld shots.
12.2-megapixel CMOS sensor delivers high-resolution images
Captures high-resolution images up to 4272 x 2848 pixels.
1006,400 ISO range for crisp, clear photos even in low light
Shoot confidently without sacrificing detail, from bright dimly lit settings.
Capture action shots at up to 3 fps (frames per second)
Easily snap fast-moving images.
Live View preview allows you to see the effects before taking the shot
View your subjects on the 2.7" LCD monitor without having to shoot the image first. Screen has a 170 adjustable viewing angle with an optional grid overlay.
Capture spectacular movies in high definition
Offers the ability to shoot in 720p HD for recording clear, sharp video.
DIGIC 4 image processors deliver remarkable power and performance
Capture, process and save images with incredible speed. Reduced noise for smoother images at every ISO setting.
High-speed 9-point autofocus provides accurate subject tracking
f/5.6 cross-type center point allows you to capture shots with precision.
63-zone dual-layer metering sensor measures scenes to reduce focus and exposure errors
Shots are stabilized where there are extreme differences in brightness, like in a theater or concert hall.
Multiple exposure modes give you full control
Capture everything with aperture priority, auto, flash off, manual, creative auto, shutter priority, and more.
E-TTL II (Evaluative Through the Lens) auto flash ensures proper illumination
A pre-flash precedes the main flash, allowing the camera to meter available light, adjusting illumination to obtain the correct exposure.
Face-detection technology puts everybody in their best light
Analyzes the image color, brightness and contrast, choosing the exposure and enhancements to create the best shot.
Advanced imaging features allow you to express your creativity
Choose from Basic +, Quick Setting and Creative Auto.
White balance controls deliver accurate, natural tones, regardless of lighting conditions
Settings include auto, daylight, shade, cloudy, tungsten light, white fluorescent light, flash and custom temperature.
Built-in pop-up flash features multiple modes for optimal lighting conditions
Choose from flash-ready, flash-exposure compensation, high-speed sync, FE lock and red-eye reduction.
Multiformat memory slot for storing or transferring data
Accepts Secure Digital, Secure Digital High Capacity and SDXC formats. Memory cards not included.
Compatible with EF and EF-S lenses

www.bestbuy.com/site/canon-eos-rebel-t3-dslr-camera-with-18-55mm...
Cameras Deals

Best Buy Coupons
g: 0 Posted By: XavierL13
Views: 170 Replies: 0 $48.74 at RadioShackB&M or com... (Expires 7/12)
PLUS, added Promo: "Spend $30, get $10 to redeem on your next visit" ...

If you are a Computer/Electronics Repair Tech (or Handy Person), you can appreciate the iFixit Pro Tech Toolkit.
It is usually $64.95 +Tax/Shipping, direct from iFixit.
iFixit.com very occasionally has $5 or $10 Off discount coupon

Thru 7/12 RadioShack Stores and RadioShack.com has the iFixit Pro Tech Toolkit for $48.74
Also, RadioShackis running a promotion. "Spend $30, get $10 to redeem on your next visit" (eligible purchases thru 7/12)
[The coupons cannot be used same day, they become active 2-3 days AFTER you complete your purchase]
(I'm in CA, went to local RadioShack B&M, my coupons printed out immediately with purchase, not emailed, and had a PIN code: they expire in 3 weeks)

I purchased the iFixit Pro Tech Toolkit for $48.74, and also purchased a $15.00 AppStore Gift Card, to push my total to $63.74 (+Tax).
RadioShack gave me Two "$10 Off Coupons" for future purchases, as I got One $10 off coupon for every $30 I spent.

The tools are quite decent quality, not too expensive, and I respect the iFixit Repair Guidessite, it has been a valuable resource site to me over the years (I'm a Mac Tech),
(i'm not really looking for recommendations for 'other toolkits', as I have lots of computer repair tools, I just need to slim down my mobile repair kits, and this fit the bill perfectly)

Electronics Deals
g: 0 Posted By: ctgolfer
Views: 156 Replies: 0 24" screen measured diagonally from corner to corner
For optimal viewing in medium-size rooms.
VESA 75mm x 75mm compliant
For simple wall mounting (with optional mounting kit, not included). An included stand allows stable placement.
3D adaptive comb filter
Along with noise reduction, 3:2 pull-down, adjustable color temperature and aspect ratio controls helps you achieve a clear, detailed picture.
1000:1 contrast ratio
Offers a wide range of shades between black and white to promote vibrancy.
High brightness (180-200 cd/m)
For an arresting viewing experience.
1080p display
Provides a highly detailed picture and is ideal for 1080p-capable content, including Blu-ray movies.
2 down-firing 3W speakers
Deliver robust audio.
Inputs
Include 1 HDMI, 1 composite video (CVBS) with L/R analog audio, 1 VGA (PC) with mini jack audio and 1 RF antenna.
Outputs
Include 1 SPDIF coaxial digital audio and 1 headphone mini jack.
HDMI input
HDMI cable not included. High-speed HDMI cable is the only connection that can deliver a full HDTV experience with a full 1080p picture and digital surround sound.
PC video input
Lets you connect your computer to experience high-resolution images.
USB port
Supports service options.
Handy additional features
Include an NTSC/ATSC tuner, V-chip parental control, an on-screen clock and a sleep timer.

www.bestbuy.com/site/westinghouse-24-class-24-diag--led-1080p-60...
LED TV Deals

Best Buy Coupons
Bank of America -- messed up servicing transfer, now in default
Added on : Tuesday July 01st 2014 07:00:03 PM
g: 1 Posted By: ppsninja
Views: 96 Replies: 4 - Mortgage with Bank of America for 10 years.
- 1 year they switched the servicing of the mortgage to Green Tree. Had automatic mortgage payment withdrawal, no problems
- May 2014 receive notice that mortgage servicing would switch back to Bank of America. NO other information provided.
- June 18, receive letter that if we want to automatic mortgage withdrawal from bank account, call BoA number. Call number, and get kicked to "relationship manager (debt collection)", indicating that mortgage is past due and in default!
First question they ask "do you want a loan modification"?
- Turns out that in the transferring the servicing of the mortgage back, Bank of America completely screwed up, and didnt continue the automatic withdrawals AND also didnt notify us that we needed to make manual June 1st payments.
- June 18: Immediately went to local BoA, and hand deposited two checks -- June 1st payment, and also July 1st payment (and then would deal with getting the interest and penalties sorted out).
- NOW IN Bank of America Hell:
- June 21st -- they couldnt find the payments. We had to mail them copy of the deposit statement + cancelled check to prove that we actually had paid!
- June 22nd -- Get letter on Escrow -- indicating that we also now owe $1600 on the escrow account" -- they couldnt tell whether greentree had paid 2013 year taxes, so they added the amount to the escrow account, and hence we fall negative on it", and so we need to now pay $1600 to keep the escrow proper! Trying to sort this screw up - -and they indicate they need to now contact the county office to validate that GreenTree had indeed paid the taxes for last year.
- June 23rd -- they found the payments sitting in their system, but couldnt apply it to mortgage for some reason. "Relationship manager - debt collector" -- not capable of doing it!
- June 25th -- finally found a customer rep that wouldnt pass me to "relationship manager" -- sees the payments but can't apply
-- Finally got them to put a note so that I dont get called daily by the "relationship manager - debt collector"
- June 26-July 2 -- spent many hours --- still cant apply the payments to the mortgage

Spent probably over 15 hours on this, highly stressed, impact to credit record(?).

Who to really talk to in BoA -- since any customer rep really dont know who to talk to? They dont even know who to escalate the issue and that the "payment office" can 't seem to apply the payments to the mortgage!

Next: What can I extract out of BoA for my many hours I have spent on this, the stress, the hassle? Have they broken any laws?



Question Deals
Surprising / Interesting Business Deductions
Added on : Tuesday July 01st 2014 05:00:05 PM
g: 2 Posted By: robronson
Views: 195 Replies: 2 Being an independent contractor traveling consultant, I look for ways to max out possible business expenses. I'm not interested in ethics, only what's legal. Nothing is ethical about how taxation works so it's just a matter of following the rules to your most advantage.

As such, I've come up with a handful of neat ideas for business deductions and I'd like to hear from others with interesting ideas:

1) Do your dry cleaning at your customer site, if you travel to a dedicated customer over long periods of time. I used to take my dry cleaning home with me every weekend, and pay extra for my local dry cleaner to expedite overnight service on Friday so it'd be ready for my flight back to the customer on Sunday. Then I learned if I had my dry cleaning done at my customer, it was a business expense, tax deduction, and more importantly, my clothes would be wrinkle-free waiting for me when I flew back. Of course, you should still travel with one pair of business clothes for one day, just in case you can't pick them up first thing Monday morning or in case of a problem. Dry cleaning is NOT a business expense if it's done in your home city, but is when you do it out-of-state at your client site.

2) Switch to a prepaid phone that bills by the minute like a 10 cents per minute plan as your personal phone, and get an unlimited minutes plan for your "business phone". Your business phone will be fully tax deductible, and your personal phone, even though you're not really paying for it if you don't use minutes, is proof to the IRS during an audit that your business phone is strictly business and your personal phone is strictly personal. Much like cars as a business expense, it's better to have a second dedicated to personal use, even if it's a cheap POS beater, so you can deduct 100% of the business car or phone.

3) Do personal errands while traveling for business. Your gas mileage is deductible when driving for business. So why not do your grocery shopping and other errands on the same trip? Then the gas is deductible at 50+ cents per mile, which, if you're driving a fuel efficient vehicle, is double your actual expense. So assuming 50% tax bracket between state, federal, and SE tax, if you're only spending half of the allowable IRS rate on fuel, then the tax break on the trip makes it completely free.

I'm considering buying other things while on business trips such as deodorant and toothpaste. I haven't looked into the rules deeply enough, but I imagine if I buy toothpaste while traveling for work, it may be a business expense. Suppose the airliner lost my luggage and I had to buy more... certainly in that case re-buying hygiene products is a business necessity for me to complete that travel. I wonder what the IRS guidelines are to decide what exactly qualifies.

What tips and tricks for maximizing business deductions have you found?

Discussion Deals
Sony RX10 camera $998 @ amazon.com (was $1300)
Added on : Tuesday July 01st 2014 04:00:03 PM
g: 0 Posted By: johnny98
Views: 37 Replies: 0 This is a top rated camera, though somewhat expensive at the list price. Amazon had been selling it for full list price until today, when they dropped the price to $998. No idea how long this price will last.
http://www.amazon.com/dp/B00FRHTSMW
First Tennessee $200 new checking bonus
Added on : Tuesday July 01st 2014 02:00:07 PM
g: 0 Posted By: BonusMeister
Views: 98 Replies: 0 I hadn't seen this posted here yet so thought I would share. First Tennessee is running a checking bonus of $200 for opening a new checking account and having a DD post within the first 60 days. I opened last week and had to email a copy of my driver's license and a bill-no hard pull. Minimum opening deposit of $300 and cannot fund with a debit or credit card. I plan to ACH with USAA and will update if it works. Full details posted below:

https://www.firsttennessee.com/landing/summer

*Offer valid June 1, 2014 through August 15, 2014. To receive your bonus, you must open the checking account online at www.firsttennessee.com/landing/summer and ensure the code SUMMER appears in the online application where "Offer/Promo code" is requested. You must have an opening deposit of at least $300 (must be funded within 15 days of approved application), have at least one direct deposit post to your account within 60 days of opening, and have proof of residence in one of the following states: Tennessee, Mississippi, Virginia, Georgia, North Carolina, Arkansas, Alabama. Opening deposit cannot be transferred from existing First Tennessee accounts. If you meet the stated requirements of this promotional offer, the bonus will be credited to your account within 6 weeks of the first direct deposit and will be reported as income on Form 1099-INT. Limit one bonus per household. Cannot be combined with other checking offers. This offer is for new checking households only, or for households that have not had an open First Tennessee consumer checking account for at least 12 months. Customer agrees to maintain account in good standing for a minimum of six months. As of 5/1/14, the Annual Percentage Yield (APY) for Premier Checking was: 0.01% for balances of $0-$4,999 and 0.02% for balances of $5,000 and greater. APY is variable and subject to change without notice. Fees may reduce earnings. Account openings are subject to bank approval and may be declined based on residence or other factors.
Deal Deals
Request for address verification
Added on : Tuesday July 01st 2014 11:00:09 AM
g: 0 Posted By: jetsfan92588
Views: 107 Replies: 1 I just found this humorous, thought others might to, or maybe be able to provide some insight. I'm not complaining or anything, I'm just genuinely curious.

I opened up a sole prop account with a major bank yesterday in the branch. I have a credit card and a personal checking account with them. I've had a profile with them for probably 5 years.

Guy calls me back today saying that he needs additional verification of my address. Like a utility bill, or "something like a utility bill."

"Because it's a business account, we require this, if it was just a personal account, we wouldn't require it." (my address is the same on my personal accounts and on this account)

Okay, so they require it as a matter of procedure. Not this guy's fault. My question is, why would they require it. The way I see it, there are three possibilities regarding my address.

(1) I am the person I say I am and I gave them my actual address.
Verification serves no valid fraud prevention purpose here-no issues. Therefore, no reason to request it.

(2) I am not the person I say I am, but I gave them my actual address.
Pretty unlikely, I have other accounts with them. I would've had to commit ID theft a long time ago because my address has been on there for a while. I already have an account with them. If I wanted to deposit in the name of that person I could have done it already with my personal account. No reason to throw up red flags trying to open a new account.
Also, I deposited cash into the account. Why would I deposit cash into an account in someone else's name.

(3) I am the person I say I am, but I gave them someone else's address.
I cannot figure this out. I will not even analyze why someone would do that.

Now, I know they have the KYC requirements, but those would apply to personal AND business accounts. Not to mention the fact that they already know me as their customer, because I am their customer for 2 other products, one of which is already a deposit account.
Elderly Parent fall and financial implications
Added on : Tuesday July 01st 2014 09:00:08 AM
g: 0 Posted By: lovethedeal
Views: 62 Replies: 0 Longtime member but I don't post too often. Hoping I can get some advice from the members.
My father is 86 and prior to a fall, in ok shape. He swam 1/2 mile 3x a week and ran his practice, in the medical field, 12 hours a week. Mentally sharp and very independent. You would have never know he was 86.

About 2 months ago, had a fall at home. Broke his shoulder. In the ambulance they gave him morphine and in the ER an additional 4mg of morphine and percoset. He was out of it for two days. He transferred to a rehab facility but was unable to walk at all. He was making slow progress at the facility and 3 weeks later was able to walk minimally with assistance. Shoulder was still non-functioning.

They were barely doing anything for him, just trying to get his 100 days of medicare out of him. One night, at 11pm, he got out of bed to go to the bathroom, tripped and fell on a lip from the bathroom to the living space and broke his hip, pelvis, and knee (which I suspect may have been broken in the initial fall, hence the reason he couldn't walk. Nobody caught it.) Nobody called me until the next morning, no 911, no hospital, nothing. I live an hour away. I get there, they take an x-ray, determine hip is broken, nothing about the knee or pelvis. They want to transfer him to the local hospital, which is a joke. I insist he be transferred to a level 1 trauma hospital near where I live in the big city. He is finally transferred almost 24 hours later, they lose the paperwork, nobody faxes the stuff to the ambulance company ect. This is a small town, local folk, not very with it.

He is doing well now in the rehab big hospital, after surgery ect. He will be transferring to a new rehab to complete his recovery. My concerns are this; After the shoulder injury, it may have been possible for him to come back to the life he had previously, now I'm not so sure. The office generated enough of an income to pay staff and generate a salary for him. He has little savings. My mother has passed away and they were big spenders. What can I do to protect the assets he has left? Some savings, home, car, practice. Is there anything else I should be doing? My Mom went really fast three years ago, so I haven't had to deal with long term care before.

Any advice appreciated. Sorry for the length.


Personal Finance Deals
Spine Skull Round Havana Sunglasses from Alexander McQueen are crafted in an edgy acetate frame featuring metallic skull hardware on the front and spine detail on temples, signature engraved logo and shaded lenses. Signature case included.Signature case included.
Two-Tone Blue Brow Detail Cat Eye Sunglasses by Alexandar McQueen are crafted in a cat eye frame with two-tone matte and shiny acetate frame and temple with signature detail. Gray shaded lenses. Signature case included.
Two-Tone Brow Detail Cat Eye Sunglasses by Alexandar McQueen are crafted in a cat eye frame with two-tone matte and shiny acetate frame and temple with signature detail. Brown shaded lenses. Signature case included.
Metal Brow Cat Eye Women»s Sunglasses by Alexandar McQueen are crafted in a cat eye frame with gold tone metal detail on top frame, gold tone metal temple with signature detail and acetate ear piece. Dark shaded lenses. Signature case included.
Sun Skull Squared Red Sunglasses from Alexander McQueen are edgy chic and are a must have for the season. Featuring a skull positioned on a sun in gold tone on temple and signature logo, shaded UV400 lenses. Signature case included.
Spine Skull Round Women»s Sunglasses from Alexander McQueen are crafted in an edgy acetate frame featuring metallic skull hardware on the front and spine detail on temples, signature engraved logo and shaded lenses. Signature case included.
Get $20 on 1GB and above Server (Hosting)
Added on : Tuesday July 01st 2014 12:00:11 AM
g: 0 Posted By: fahadrafiq
Views: 170 Replies: 0 Cloudways is offering $20 discount coupons on 1 GB and above cloud hosting servers.
Cloud Deals
g: 0 Posted By: ctgolfer
Views: 29 Replies: 0 Zippered door with mesh cover for shade and security
8 Mesh Windows
Includes Anchoring Metal Stakes for outdoor use
Works well indoors, outdoors and great to travel
Storage Bag Included
Fold quickly
No assembly required
Air flow and visibility from all sides

www.ebay.com/itm/OxGord-48-Pet-Dog-Cat-Play-Pen-Tent-Portable-Ex...
Pets Deals

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

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

Now this really is the short story. They lied a few times in email about other things, not as important, but still added to the problem. And they were all so terrible to deal with. So the big question here, am I legally required to send it back if they ask? I entered a contract with them originally, but once that contract was canceled and I was never charged, shouldn't that negate everything? If I send it back Im stuck with the gift cards which isn't right. Yea I could negotiate with them, but really, after all the hours I've dealt with them, I just don't want to deal with them anymore.
New User Question Deals
ULTA 58pc Link to Beauty Set $21.94 AC Shipped @ Ulta
Added on : Monday June 30th 2014 01:00:03 PM
g: 0 Posted By: DizzyT71
Views: 0 Replies: 0 Ulta has their 58pc Link to Beauty Set on sale for $19.99 - $4.00 coupon code "202013" = 15.99 + $5.95 shipping = $21.94. Free shipping on $50+.
Was: $24.99

Includes:

48 Eye Shadow Shades
4 Blush Shades
2 Super Shiny Lip Glosses
4 Dual Ended Eye Liners
g: 25 Posted By: gd78
Views: 4825 Replies: 36 Ripped from SD:

Bloomingdales has a lot of stuff on sale right now.

If you install the "Honey" extension for chrome, and use it when you get to the checkout page, it will let you stack two coupons in one transaction (only works on items already on sale).
Therefore it is possible to get about58% off your purchase (on top of the sale price!).

I can confirm this works for All-Clad, Staub, and JA Henckels Zwilling. I got about 50% off.

What items work and what doesn't is hit or miss. Not all items in a certain brand work. Also, it seems that all electronics do not work.
Reportedly works on clothes, too (except designer brands like Gucci, etc)
UPDATE: USE CODE "PARTY" TO GET 30% OFF BEFORE USING THE HONEY EXTENSION TO GET ANOTHER 40% OFF = 58% OFF(thanksichibahnslc)
(If "PARTY" doesn't work, skip it and just use the Honey coupons for ~50% off)

Free shipping for Loyalists (which is free to join)
You can use in-store pickup (if available) in case you're worried they'll cancel orders.

Their "sale" price for All-Clad, etc, seems on par with Amazon's regular price. But 50% off that is amazing!

I got a 12" All-Clad frying pan for $54, and a Staub 4 qt braiser for $120.
Bruno Magli "Maioco" Cap Toe Oxfordsfor $134 (half the Nordstrom Anniversary price!)

Works with all the Zwilling knives I tried (e.g. Zwilling Twin Four Star 3" Parer can be had for $20 [reg $50]).

Please post what you find working and not working.

Confirmed working:
All-Clad
Staub
JA Henckels Zwilling
Emile Henry bakeware (some)
Bruno Magli shoes (55% off sale price!)
Brooks Brothers ($35 for a dress shirt)
Lacoste
Cuisinart cookware
Joe's Jeans
7 For All Mankind
Calvin Klein
2xist
Ralph Lauren

kate spade
Madden
Sferra

Reportedly working:
Cole Han
Sperry (some)
Hudson Park sheets
Under Armor

Not working:
Gucci, Burberry, etc.
Thomas Pink
Tumi
Briggs & Riley
(maybe all luggage)
Joseph Joseph
Simplehuman
Ferragamo
K-Pods
Electronics of any kind
Clothing Deals

Bloomingdales Coupons
Added insurance premiums and I didnt have insurance
Added on : Monday June 30th 2014 09:00:07 AM
g: -3 Posted By: SamPanch
Views: 184 Replies: 4 When I first bought my car I had insurance and then I let my auto insurance expire and didn't cover it for a while. My bank hit me with excessive auto coverage amounts onto my loan. What is my best course of action to remove some of the penalties? I understand I'm at fault but the amount is crippling. Any thoughts on how to approach a bank would be greatly appreciated.

-Sam
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 154 Replies: 1 5 reversible walnut/maple blades make it easy to change your decor style without purchasing new blades
3-light kit with frosted white glass shades
3-speed reversible control
Brushed nickel finish complements a wide variety of decor styles
For interior use
Uses three 13 watt, medium-base CFL bulbs, included
54 in. lead wires accommodate extended down rod applications (extended down rod not included)
160 RPM motor with multi-capacitor offers quiet operation and excellent air movement
Up to 4,469 CFM airflow
Large room: room size up to 20 ft. x 20 ft. with blade size of 52 in.

www.homedepot.com/p/Unbranded-Brookhurst-52-in-Brushed-Nickel-Ce...


also available:

Brookhurst 52 in. Oil Rubbed Bronze Ceiling Fan
www.homedepot.com/p/Unbranded-Brookhurst-52-in-Oil-Rubbed-Bronze...

Brookhurst 52 in. White Ceiling Fan
www.homedepot.com/p/Unbranded-Brookhurst-52-in-White-Ceiling-Fan...
Home & Garden Deals

Home Depot Coupons
FSA BLUNDER
Added on : Monday June 30th 2014 06:00:10 AM
g: 0 Posted By: richardjmolden
Views: 35 Replies: 5 My employer overlooked my request to sign up for the FSA and it wasn't discovered until a couple of days ago when I went to turn in the bills I had accumalated. Now she is telling me that it's too late in the year and she isn't allowed to sign me up. Has anyone else had any experience with something like this?
Personal Finance Deals
Netspend Savings Interest
Added on : Monday June 30th 2014 04:00:07 AM
g: 0 Posted By: BenH
Views: 18 Replies: 0 For those of you who still have/had Netspend accounts that were also utilizing the 5% interest on 5K savings:

I stopped loading my NS when VRs dried up a couple of months ago. I have also noticed that since that time neither mine or my wife's account has been earning interest.
I can't find anything that states that we were required to load $x amount/month in order to accrue interest. We wrote one secure e-mail under my wife's account a couple of weeks ago - but they never responded.

I was going to likely call them, but wonder if anyone else has gone through this yet?
General Economics Deals
50% Off PUMA Training Shoes for Men and Women $39.99 w/FS @ Amazon
Added on : Sunday June 29th 2014 09:00:03 PM
g: 0 Posted By: ctgolfer
Views: 53 Replies: 0
Voltaic 5 - Blue/Black$39.99 Voltaic 5 - White/Black$39.99 Voltaic 5 - Red/Black$39.99 Cell Surin - Black$39.99
Cell Riaze - Coral$39.99 Cell Riaze - Black$39.99 Voltaic 5 - Gray/Lime$39.99 Voltaic 5 - Pink/Blue$39.99
PUMA Men's Voltaic 5 Training Shoe$39.99

FREE Shipping


PUMA Men's Cell Surin Training Shoe$39.99

FREE Shipping


PUMA Women's Voltaic 5 Training Shoe$39.99

FREE Shipping



PUMA Women's Cell Riaze Training Shoe$39.99

FREE Shipping



Radio Shack Gusto 2 $9.99 Verizon Flip Phone
Added on : Sunday June 29th 2014 01:00:04 PM
g: 0 Posted By: beachfitrob
Views: 1322 Replies: 3 Mine has these. I think they had 2 left. I got one. You know, for the MiFi 2200 thing if that still works. Or it's a cheap Pageplus phone.

The one at 1092 and Murphy Rd Zip 77459

Box said $10 airtime included but I haven't opened it yet to see if there's a PIN.

Cell Phones Deals

RadioShack Coupons
g: 7 Posted By: gd78
Views: 1270 Replies: 10 Ripped from SD:

Bloomingdales has a lot of stuff on sale right now.

If you install the "Honey" extension for chrome, and use it when you get to the checkout page, it will let you stack two coupons in one transaction (only works on items already on sale).
Therefore it is possible to get about50% off your purchase (on top of the sale price!).

I can confirm this works for All-Clad, Staub, and JA Henckels Zwilling. I got about 50% off.

What items work and what doesn't is hit or miss. Not all items in a certain brand work. Also, it seems that all electronics do not work.
Reportedly works on clothes, too (except designer brands like Gucci, etc)

Also, it is important that you don't enter any promo codes and let the Honey extension enter them for you.

Free shipping for Loyalists (which is free to join)
You can use in-store pickup (if available) in case you're worried they'll cancel orders.

Their "sale" price for All-Clad, etc, seems on par with Amazon's regular price. But 50% off that is amazing!

I got a 12" All-Clad frying pan for $54, and a Staub 4 qt braiser for $120.
Bruno Magli "Maioco" Cap Toe Oxfordsfor $134 (half the Nordstrom Anniversary price!)

Works with all the Zwilling knives I tried (e.g. Zwilling Twin Four Star 3" Parer can be had for $20 [reg $50]).

Please post what you find working and not working.

Confirmed working:
All-Clad
Staub
JA Henckels Zwilling
Emile Henry bakeware (some)
Bruno Magli shoes (55% off sale price!)
Brooks Brothers ($35 for a dress shirt)
Lacoste
Cuisinart cookware
Joe's Jeans
7 For All Mankind
Calvin Klein
2xist
Ralph Lauren

kate spade

Reportedly working:
Cole Han
Sperry (some)
Hudson Park sheets
Under Armor

Not working:
Gucci, Burberry, etc.
Thomas Pink
Tumi
Joseph Joseph
Ferragamo
Electronics of any kind
Clothing Deals

Bloomingdales Coupons
g: 0 Posted By: GMY
Views: 200 Replies: 0 Oh Brother! I use this printer everyday in my home/office. Have had it for more than 2 years and it's still going strong.
Generic 2,600 page cartridges cost $12-$15 or so at Newegg, Meritline, Amazon, etc. Generic drum units are also available.
Auto duplex (2-sided) printing saves lots of paper. Wireless setup is very easy. 1 year Brother warranty.

http://www.staples.com/Brother-Refurbished-EHL-2270DW-Mono-Laser...

This compact, monochrome laser printer includes built-in wireless and Ethernet network interfaces for small office or home office printer sharing.
Offering a fast print speed and automatic duplex capability, you can print professional-looking two-sided documents and booklets with ease. In addition,
its stylish, space-saving design fits virtually anywhere and complements any environment. Affordable to own and operate, the HL-2270DW uses a
high-yield replacement toner cartridge.

Prints up to 27 ppm (mfr specs)

Network ready; wired and wireless 802.11b/g

Automatic Duplexing (two-sided printing)

Up to 2400 x 600-dpi resolution

250-sheet max paper capacity

Prints up to 8.5" x 14"

Monthly duty cycle of up to 10,000 pages

Approx. 8.5 seconds to print first page

Toner Save mode for less critical business documents

32MB RAM

7.2"H x 14.5"W x 14.2"D, 15.4 lbs.

1-Year mfr. limited warranty

USB cable sold separately
laser printers Deals

Staples Coupons
g: 0 Posted By: gd78
Views: 64 Replies: 0 Ripped from SD:

Bloomingdales has a lot of stuff on sale right now.
If you install the "Honey" extension for chrome, and use it when you get to the checkout page, it will let you stack two coupons in one transaction.
Therefore it is possible to get close to 50% off your purchase.

I can confirm this works for All Clad, Staub, and JA Zwilling. I got about 50% off.

What items work and what doesn't is hit or miss. Not all items in a certain brand work. Also, it seems that all electronics do not work.
Reportedly works on clothes, too (except designer brands like Gucci, etc)

Also, it is important that you don't enter any promo codes and let the Honey extension enter them for you.
Free shipping for Loyalists (which is free to join)

Their "sale" price for All Clad, etc, seems on par with Amazon's regular price. But 50% off that is amazing!
I got a 12" All Clad frying pan for $54, and a Staub 4 qt braiser for $120.

Works with all the Zwilling knives I tried (e.g. Zwilling Twin Four Star 3" Parer can be had for $20 [reg $50]).

Confirmed working:
All Clad
Staub
JA Zwilling

Reportedly working:
Cole Han
Certain Sperrys
Hudson Park sheets
Cuisinart cookware
Under Armor

Not working:
Gucci, Burberry, etc.
Joseph Joseph
Electronics
Clothing Deals

Bloomingdales Coupons
g: 0 Posted By: ctgolfer
Views: 181 Replies: 0 Shutterfly 8 X 8 Photo Book - Shutterfly [Digital Download Add-On]
Shutterfly 8 X 8 Photo Book
Usually arrives within 30 minutes, but it could take up to 8 hours.
Product Features

16.4-megapixel, 1/2.3" CMOS sensor
Captures high-resolution images with up to 4608 x 3456 pixels resolution.
5x optical/2x digital/10x total zoom
Through a Fujinon 5-25mm (35mm equivalent 28-140mm) f/3.9-4.9 lens with 13 elements in 11 groups, including 4 aspherical elements, for precise zooming and accuracy.
2.7" color TFT-LCD monitor
With 460K dots resolution, approximately 97% shooting coverage and approximately 100% playback coverage offers a clear view when composing or reviewing shots.
High-definition video mode
Lets you shoot crisp footage with 1920 x 1080/60i, 1280 x 720 or standard-definition 640 x 480 resolution for versatility. Monaural audio recording delivers clear sound, and a wind filter helps prevent distortion.
CMOS-shift optical image stabilization
Reduces image blur caused by camera shake and vibration. ISO up to 6400 for improved image capture in low-light conditions.
Shooting modes
Include portrait, landscape, sport, night, night (tripod), sunset, snow, beach, underwater, underwater (macro), party, flower and text to accommodate a wide range of scenarios.
Continuous shooting
Captures up to 70 frames at 60 fps or up to 20 frames at 10 fps, 5.5 fps or 3.3 fps, so you can easily photograph fast-paced action scenes. Face detection helps you create stunning images of family and friends.
Automatic white balance control
Along with preset fine, shade, daylight, fluorescent light (daylight, warm white, cool white), incandescent light and underwater options allows you to achieve lifelike color reproduction.
Auto flash
Features forced, suppressed and slow synchro modes to help create optimal lighting conditions. Red-eye reduction promotes natural-looking eyes in portraits.
Advanced filters
Include toy camera, miniature, pop color, high-key, low-key, dynamic tone, soft focus, cross screen, fish-eye and partial color options, so you can add a touch of flair to your photos and videos.
Autofocus
With single, continuous and TTL (through-the-lens) options for sharp shots.
Built-in Wi-Fi (802.11b/g/n)
Makes it easy to wirelessly share images with compatible devices. Geotagging capability lets you add useful location data to your shots.
PictBridge compatible
For simple digital photo printing. HDMI output lets you easily view images on a compatible HDTV.
Waterproof design
Withstands use in up to 32.8' of water for up to 120 minutes, so you can capture striking underwater photos. Shock- and dust-resistant construction offers durability.
99MB internal memory
Offers space for storing videos and photos. Memory card slot supports Secure Digital, Secure Digital High Capacity and SDXC formats for expanded storage options

www.bestbuy.com/site/fujifilm-xp70-16-4-megapixel-digital-camera...
Cameras Deals
Office Depot DVD 100 + and - $11.50 Clearance
Added on : Saturday June 28th 2014 05:00:02 PM
g: 0 Posted By: halitosis3
Views: 251 Replies: 0 I just picked up four 100 spindles of TDK + 16x

They also had some - on hand

They are marked $22.50 but ring up at $11.50

They have the yellow clearance tag so you may need to check your locations clearance section.

Computers Deals

Office Depot Coupons
Radio Shack Gusto 2 $9.99 Veirzon Flip Phone
Added on : Saturday June 28th 2014 01:00:02 PM
g: 0 Posted By: beachfitrob
Views: 152 Replies: 0 Mine has these. I think they had 2 left. I got one. You know, for the MiFi 2200 thing if that still works. Or it's a cheap Pageplus phone.

The one at 1092 and Murphy Rd Zip 77459

Box said $10 airtime included but I haven't opened it yet to see if there's a PIN.

Cell Phones Deals

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

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

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

I would appreciate any feedbacks. Thanks.
Discussion Deals
Expedia $50 off $200 - book by July 7
Added on : Friday June 27th 2014 07:00:05 PM
g: 0 Posted By: helloimalbert
Views: 208 Replies: 0 Ripped from therewardboss.com

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

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

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

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


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

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

Expedia Coupons
g: 1 Posted By: geozx
Views: 28 Replies: 0 Long time lurker and now I am seeking suggestion from the community.

I was a financial advisor who quit my position at a major bank in January earlier this year to take a time off and explore other careers. In the meantime, a previous client of mine made a complaint and it showed up on my U-5. I was informed by FINRA and told to make a statement. I was a bit confused because the client and I had a good relationship before so I wasn't even sure what the complaint could be about. Also, the account was performing well.The bank that I worked at was slow in producing the account information for the FINRA investigation, blowing through the deadline. As a result, this investigation has drawn out longer and I am under a lot of stress about my future employment.During this time, I was unemployable in finance and may have lost otheroffers due to this circumstance. FINRA informed methat I was not in the complaint to begin with. They are still investigating the complaint, but in the meantime, it stills shows that I have a customer complaint on record pending. What should I do? Is there anything I can do to expedite the process, except for sitting and waiting.

If anyone dealt with this sort of issues, please advise.
New User Question Deals
g: 0 Posted By: swampwiz
Views: 67 Replies: 0 Here's my situation. My current income situation is to do a Roth conversion up to the limit of the 0% tax bracket, which unfortunately is only $10150. However because my governor is a jerk, my state is not participating in the ObamaCare Medicaid expansion, so to get the tax credit for coverage, I need to have an official income of 100% of poverty, or $11490. I was planning on just proposing this income and just not end up having this income (i.e., legally "changing my mind at the last second of the last trading day of the year"), but I have a hunch that the bureaucrats at the Healthcare Exchange would somehow screw me over if I were do this, so grudgingly, I will do an extra $1340 in Roth conversion to get me to the magic number, paying an additional $134 in tax in the process. (Actually, as long as I were to be in the position such that if I were not to do this, I would end paying taxes on the marginal distribution from my IRA in the same amount {normalized for the investment gains}, my doing this conversion now instead of doing it later {or doing a traditional IRA distribution} would be a wash. ) Anyway, the traditional IRA account is one such that I had done a distribution (and subsequent self-rollover) that was less than 365 days ago. I think that because this would be a direct conversion, it would not be considered as a subsequent rollover, so this should not be an issue. BTW, (I am doing these distributions & self-rollovers as part of a Bobrow-esque chained IRA rollover. )
Question Deals
Financial Considerations of Working in The Adult Industry
Added on : Friday June 27th 2014 02:00:08 PM
g: 0 Posted By: mwa423
Views: 217 Replies: 9 While perusing the want ads today, I came across an ad for a finance position at a local sex toy manufacturing and distribution company. This is a pretty typical Senior Financial Analyst gig, which I'm perfectly qualified for. While I have no problem with what the business does, I realized that there is a strong potential for negative repercussions if I were to leave that company for any reason and try to move to a different one.

My concern stems from the fact that (as most (all?) of you are aware), my most recent job was I worked for a large circus. I've had a surprising number of employers who have told me that they were incredulous that my work there was relevant to the position to which I was applying. Some employers I have interviewed with actually told me they looked at it negatively that I would leave a "good job" and go run away with the circus. If employers see an issue with the circus on my resume, I can only imagine how poorly a potential candidate with experience from the company that sells the "Joy-Ride Vibrating Male Masturbation Sleeve" would be received in HR departments across the land.

An extension of this would be how concerned should an employee be of the reputation of their employer? For example, did a IT guy at Enron have trouble finding a new gig? Did the secretary at Madoff Investments get screwed by having Madoff on her resume? As an alternative, would it be reasonable to demand a premium in salary for working in a politically incorrect business?

tl;dr: How concerned should an employee be about the companies they have on their resume, assuming that their job titles and experience are in generally accepted fields?
Question Deals
g: 0 Posted By: mwa423
Views: 53 Replies: 1 While perusing the want ads today, I came across an ad for a finance position at a local sex toy manufacturing and distribution company. This is a pretty typical Senior Financial Analyst gig, which I'm perfectly qualified for. While I have no problem with what the business does, I realized that there is a strong potential for negative repercussions if I were to leave that company for any reason and try to move to a different one.

My concern stems from the fact that (as most (all?) of you are aware), my most recent job was I worked for a large circus. I've had a surprising number of employers who have told me that they were incredulous that my work there was relevant to the position to which I was applying. Some employers I have interviewed with actually told me they looked at it negatively that I would leave a "good job" and go run away with the circus. If employers see an issue with the circus on my resume, I can only imagine how poorly a potential candidate with experience from the company that sells the "Joy-Ride Vibrating Male Masturbation Sleeve" would be received in HR departments across the land.

An extension of this would be how concerned should an employee be of the reputation of their employer? For example, did a IT guy at Enron have trouble finding a new gig? Did the secretary at Madoff Investments get screwed by having Madoff on her resume? As an alternative, would it be reasonable to demand a premium in salary for working in a politically incorrect business?

tl;dr: How concerned should an employee be about the companies they have on their resume, assuming that their job titles and experience are in generally accepted fields?
Question Deals
Promotion at work
Added on : Friday June 27th 2014 01:00:08 PM
g: 0 Posted By: californication
Views: 42 Replies: 3 I was offered a promotion at work yesterday. I had already decided to go back to school this fall for another degree. I wouldn't be able to work part time in my current position. Should I accept the promotion and work until school starts or let them know of my intentions now? I am fairly certain I will be let go if I do not accept. A similar situation happened to a past coworker and they showed her the door. I will have a part time departmental job on campus, but it won't start until September and don't want to go that long without some sort of income. Any advice would be appreciated.
New User Question Deals
g: 0 Posted By: Neidman
Views: 27 Replies: 0 Press release from Public Citizen with details on the decision:
June 26, 2014

Contact: Angela Bradbery (202) 588-7741
Scott Michelman (617) 899-9076

On Wednesday, Judge Dee Benson of U.S. District Court in Utah awarded Public Citizen clients John and Jen Palmer $306,750 ($102,250 in compensatory damages and $204,500 in punitive damages) against the online retailer KlearGear.com. The company had demanded $3,500 from the Palmers for writing a critical online review of the company, then ruined Johns credit when he refused to pay.

As a result of KlearGear.coms actions, the Palmers lost credit opportunities; suffered anxiety, fear and humiliation; and spent weeks without heat in their home for themselves and their 3-year-old son when their furnace broke and they were unable to obtain a loan to replace it.

Public CitizensuedKlearGear.com on the Palmers behalf in December. When KlearGear.com failed to respond, the court granted a default judgment declaring that John did not owe the $3,500 and setting a hearing, held Wednesday, to determine damages. After an hour-long hearing at which both plaintiffs testified, the judge announced the award from the bench.

We are gratified by Judge Bensons ruling, which appropriately compensates the Palmers for their ordeal and punishes KlearGear.com for its abuse of the credit reporting system in retaliation for the Palmers speech. The court sent a strong message that corporate bullying of consumers would not be tolerated. The Palmers are relieved that Johns credit has been restored and they feel vindicated by todays award.

Original archived FW thread:
http://www.fullofdeals.com/forums/finance/1314355/
Credit Deals
Get 60% Off Joseph Abboud Suits & Sport Coats @ Amazon
Added on : Thursday June 26th 2014 10:00:04 PM
g: 0 Posted By: ctgolfer
Views: 129 Replies: 0 Joseph Abboud Men's Two-Button Side-Vent Stripe Contrast Suit With Flat-Front Pant
$278

Joseph Abboud Men's Side Vent Sport Coat
$178.50

Joseph Abboud Men's Tic Sport Coat
$178.50

Joseph Abboud Men's Silk Wool Blend Plaid Sport Coat
$178.50

Joseph Abboud Men's Two-Button Side-Vent Sport Coat
$178.50

Joseph Abboud Men's Plaid Sport Coat
$178.50

Joseph Abboud Men's Sport Coat
$178.50

Joseph Abboud Men's Blend 2 Button Side Vent Plaid Sport Coat
$178.50

Joseph Abboud Men's Windowpane Sport Coat
$178.50

Joseph Abboud Men's Tic Sportcoat
$178.50

Joseph Abboud Men's Solid Suit With Flat-Front Pant
$278

Joseph Abboud Men's Suit With Flat-Front Pant
$298.50

Joseph Abboud Men's Solid Sport Coat
$178.50

Joseph Abboud Men's Wool Plaid Sport Coat
$178.50

Joseph Abboud Men's 2 Button Side Vent Sport Coat
$178.50

Joseph Abboud Men's 2 Button Side Vent Sportcoat
$198

Joseph Abboud Men's Two-Button Side-Vent Stripe Suit With Flat-Front Pant
$278

Joseph Abboud Men's Plaid Sport Coat With Lining
$178.50

Joseph Abboud Men's 2 Button Side Vent Sport Coat
$178.50

Joseph Abboud Men's Suit with Flat-Front Pant
$278

Joseph Abboud Men's Suit with Flat-Front Pant
$318

Joseph Abboud Men's Two-Button Side-Vent Thin-Stripe Suit With Flat-Front Pant
$278
Clothing Deals

Amazon Coupons
Free 18v X4 battery with Ridgid Purchase - YMMV
Added on : Thursday June 26th 2014 08:00:05 PM
g: 0 Posted By: kjgeraci
Views: 166 Replies: 0 I purchase the Ridgid Drill/Impact drive set at HomeDepot today ($279) and I had a choice between a free 18v x4 battery ($119 value) or a RIDGIDJobMax 18-Volt Console Multi-Tool ($99 value). I did not see the same deal online ... it does not mean it is not there, but rather I could not find it in 1min of looking. There were a few other package HomeDepot was selling that had free items with it too. It might be an in-store only deal.

RIDGID18-Volt X 4 Hyper Lithium-Ions Cordless Hammer Drill and Impact Driver Combo Kit + Free ITEMModel # R9200 Internet # 205141594 Store SKU # 1000050962
Ridgid Deals
Norton 360 $21.5, Internet Security $18.49, Antivirus $16.99
Added on : Thursday June 26th 2014 07:00:03 PM
g: 1 Posted By: electrama
Views: 94 Replies: 0 Received email with summer promo for Norton software. Bought from them last month and had no issues. All of the below are 1 user / 3 PCs.
Use promo code SUMMER50 to get below price. Expires 7/31.

Norton 360 2014- $21.50
Norton Internet Security 2014- $18.49
​Norton Antivirus 2014- $16.99

Norton Deals
Free PetHub Digital ID Tag YMMV
Added on : Thursday June 26th 2014 03:00:04 PM
g: 0 Posted By: remick
Views: 174 Replies: 0 The response to our Lost Pet Prevention Share-a-Tip Sweepstakes has been INSANE!! At first we said we'd give free tags to the first 500 entrants -- but we had SO many entries yesterday -- we extended that to the first 2000! If you still want to enter -- please do -- everyone after the first 2K is getting a $5 coupon (enough to snag one of our Blue Fetch tags!) https://www.facebook.com/PetHub/app_599788450050788

Thank you for your submission. You will be receiving an email with a special code to claim a free basic ID tag within 48 hours.

YMMV - may be shipping and handling charges
Totally Free Deals
g: 0 Posted By: remick
Views: 43 Replies: 0 http://www.amazon.com/Most-Influential-Rock-Stars-1960s-ebook/dp...

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

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

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

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

In the mid-1960s, an era on the CUSP of change from the musical and social norms of the previous decade, the emergence of Jim Morrison, the charismatic poet/musician of The Doors, helped to transform the subgenre of rock n roll as a stylistic flavor to the full-fledged institution of Rock Music. Morrison accomplished this transformation by avoiding membership in any of the known categories of modern rock music during the age of protest, but at the same time, he became the general symbol of anti-authoritarianism for his generation and the next.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 80 Replies: 0 These traditional patio umbrellas feature sturdy Olefin fabric in a variety of colors and a spacious 9-foot canopy, providing an affordable and lasting shade solution for your patio space. Choose from tilt or crank style. Bases sold separately; check out four styles

www.amazon.com/b/ref=gbsl_tit_c-2_9702_847d6e5b?ie=UTF8&node=956...
Garden Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 170 Replies: 0 Nightshift II NS-2-CR miniature LED flash light ($45 MSRP) $29 + $5 Flat shipping

http://www.gearhog.com/

Deal Overview
The Mighty Midget NightShift II features a 1.5 watt CREE Q2 LED powered by a single CR-123 battery. Unmatched in output for its size, this tiny flashlight will penetrate the darkest shadows for safety and security. Don't leave home without it!

+ Length - 2 5/8"
+ Lamp - CREE Q2 LED
+ Bezel Diameter - 3/4"
+ Color Temperature - 7000
+ Weight - 1 oz.
+ Beam - Fixed
+ Housing - Aluminum 6061-T6
+ Lamp Life - 100,000 hours
+ Effective Range - 60 yards
+ Rechargeable - NA
+ Lumens - 100 Run Time - 1/2 hour
Sports & Outdoors Deals
Vans Spicoli 4 Sunglasses - $9.49 w/ FS @ 6PM
Added on : Wednesday June 25th 2014 04:00:03 PM
g: 0 Posted By: hellokitty27
Views: 248 Replies: 0 6PM has the Vans Spicoli 4 Sunglasses for $9.49 w/ free shipping.

Measurements:

Temple Length: 102 mm
Frame Width: 142 mm
Weight: 1.02 oz
Lens Height: 33 mm
Lens Width: 52 mm
Bridge: 12 mm

Sunglasses Deals

6PM Coupons
Oakley Women's Caveat Sunglasses - $74.99 w/ FS @ Oakley Vault
Added on : Wednesday June 25th 2014 03:00:03 PM
g: 0 Posted By: hellokitty27
Views: 227 Replies: 0 Oakley Vault has the Women's Caveat Sunglassesfor $74.99 w/ free shipping.

Optimized peripheral vision and side protection of 6 base lens curvature
Optical precision and impact resistance meet or exceed Z80.3 optical and basic impact standards
UV protection of Plutonite lens material that filters out 100% of UVA / UVB / UVC & harmful blue light up to 400nm
Varied field of light transmission (top to bottom) via optional gradient lens shading
Available with Oakley prescription lenses
Ultralightweight himodulus C5 frame material
Comfort and performance of ThreePoint Fit that holds lenses in precise optical alignment
Patented hydrophilic Unobtainium adjustable nose pads ensure a snug, secure fit
Metal icon accents

Sunglasses Deals
Taking over mom's house and adding accessory unit?
Added on : Wednesday June 25th 2014 11:00:07 AM
g: 0 Posted By: nicki11012
Views: 49 Replies: 0 My mother lives in a beautiful large house that sits on 1 acre of land. She is 55 y/o (a hairstylist) and her hair salon is on the side of the house. There is a 2 car garage out in the back that is connected to the house by a porch. The garage has an attic on top - the whole structure is ~ 900 sq feet. My mom loves her house, but was thinking about moving to a condo because it's way too much space and maintenance for one person. She hasn't sold because her hair salon is on the side of the house - if she sells the house, the self-owned business is gone too.

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

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

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

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

Does anyone have thoughts/advice??
New User Question Deals
g: 0 Posted By: vicki23
Views: 388 Replies: 5 Found this while browsing through my recent purchases $21 dollars off a digital TV converter box and Media Player.
I've had it for a couple months now and it has been great not being tied to any cable companies.
Also doubles as a media player from the description, details say it plays mkv files via usb.
Digital TV Converter Box and Media Player w/ Recording PVR Function / HDMI Out / Coaxial Out / Composite Out / USB Input

Sold by Super Deal and fulfilled by Amazon.

Regular price: $99.99
Sale Price $59.99
Minus coupon$21.00
Final price: $ $38.99 and Free shipping through Amazon.

This is the lowest price ever on item according to price trackers.

Coupon Code:7F42L3UW
​Link

Electronics Deals

Amazon Coupons
g: 0 Posted By: vicki23
Views: 79 Replies: 0 Found this while browsing through my recent purchases $21 dollars off a digital TV converter box and Media Player.
I've had it for a couple months now and it has been great not being tied to any cable companies.
Also doubles as a media player from the description, details say it plays mkv files via usb.
Digital TV Converter Box and Media Player w/ Recording PVR Function / HDMI Out / Coaxial Out / Composite Out / USB Input

Regular price: $99.99
Sale Price $59.99
Minus coupon$21.00
Final price: $ $38.99 and Free shipping through Amazon.

This is the lowest price ever on item according to price trackers.

Coupon Code:=13px7F42L3UW

​Link

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

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

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

Does anyone know what his liability is?
200 lbs Kingsford Charcoal $40 AC ($4/20lb bag, $0.20/lb)
Added on : Wednesday June 25th 2014 06:00:07 AM
g: 3 Posted By: JoeDaddy
Views: 15 Replies: 0 Link

Lowes has 2pack of 20lb bags on sale for 4th of July for $9.88 per 2 pack. So add 5 2packs to your cart and find a $0.61 or higher filler.
Then add the coupon "47000LOWES9077S" for $10 off $50 purchase. Which depending on the filler this deal runs for about $0.20/lb pre-tax.

Don't forget about CashBack. FC is 2.25%, UP is 5%.

I had other items to get so I didn't a filler, but if you are in need of fillers here are some that I've found.

LASCO3/4-in Dia PVC Sch 80 Nipples- $0.40
LASCO1/2-in Dia PVC Sch 40 Coupling- $0.21

Home & Garden Deals

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

Any advice on how to find a decent tenant?
Question Deals
Killzone: Shadow Fall (PS4) ($19.99 was $39.99) @ Kmart.com
Added on : Tuesday June 24th 2014 07:00:04 PM
Give My Ball Back: Appstore for Android FAOTD for $0
Added on : Tuesday June 24th 2014 05:00:04 PM
g: 0 Posted By: Deals4mykids
Views: 217 Replies: 0 3.8 out of 5 stars.

http://www.amazon.com/Nravo-Inc-Give-Ball-Back/dp/B00J095M1O

Rack your brains and try to get back the ball someone stole from you through funny, colorful and frenzied levels. Tobias is a curious kid. While he is peacefully playing in His Room, his favorite ball mysteriously disappears in his wardrobe. He rushes to get it back and is hurled into Mocos world, the mischievous shadow who took his toy. Give my ball back! Fight for the ball by alternately embodying Tobias and Moco through more than 40 levels which will severely test your logic. Dodge the traps cleverly set by the other one by successively activating objects, toys and animals to ultimately recover your ball without getting caught.

And make sure you dont forget to look for the stars hidden in each scene to unlock bonus levels.
Apps Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 185 Replies: 0 Receive a FREE Tote & Coin Purse with $75 online beauty purchase
Receive a FREE Tote & Coin Purse with $75 online beauty purchase.
http://www1.macys.com/catalog/gift/index.ognc?GIFTID=1500014&PROMO=19834705&seqNo=5&SOURCEID=0
http://www.macys.com/

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.
Web ID: 1500014

Our Normal Gift Boxing is not available for this item. Your Price: Free
In the event you return qualifying item(s), please be sure to include the bonus with the return. If you would like to keep the bonus but not the qualifying item(s), your account will be charged for the value of the bonus.

you can double dip with the Clinique offer

Special Offer
Clinique Splashy Pinks or Splashy Nudes Set - Only $34.50 with any Clinique purchase, Limited Edition
Your Price: $34.50


http://www1.macys.com/catalog/gift/index.ognc?GIFTID=1481349&PROMO=19834745&SOURCEID=0
Look your beauty-at-the-beach best with Clinique's limited-edition collection. Only $34.50 with any Clinique purchase. Choose Splashy Pinks or Splashy Nudes.

SPLASHY PINKS INCLUDES:
All About Shadow Quad (shades include Highlights, Bubblebath, Rock Violet & Graphite)
Superbalm Moisturizing Gloss in Superbalm Lilac
High Impact Mascara in Black
SPLASHY NUDES INCLUDES:
Tote
Moisture Surge Extended Thirst Relief, 15 ml
Sparkle Skin Body Exfoliating Cream, 40 ml
All About Shadow Quad (shades include Dazzle, Peach Pop, Mulch & Mink)
Superbalm Moisturizing Gloss in Superbalm Apricot
Quantities limited. Special purchase available while supplies last. Minimum purchase amount for special offer does not include Gift Card purchases, tax, shipping or gift wrap charges.
(Over $100 value)
Web ID: 1481349

Your Price: $34.50
In the event you return qualifying item(s), please be sure to include the bonus with the return. If you would like to keep the bonus but not the qualifying item(s), your account will be charged for the value of the bonus.

Beauty Deals

Macy's Coupons
Trade in Macbook Air, get $650 towards Microsoft Surface Pro 3
Added on : Tuesday June 24th 2014 02:00:02 PM
g: 0 Posted By: chadgainor
Views: 167 Replies: 0 Appears to only be valid at Microsoft Stores

Link for more information -https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&...

If we could put together a chart of which Macbook Models appraise for what amount that would help.
Computers Deals
Killzone: Shadow Fall (PS4) - $19.99 Store Pickup at Kmart
Added on : Tuesday June 24th 2014 11:00:03 AM
g: 1 Posted By: Revenant
Views: 230 Replies: 1 KillZone: Shadow Fall (PS4)- $19.99 free in-store pickup at Kmart

LINK

REVIEW from IGN
REVIEW from MetaCritic
Next lowest price from a rated merchant on Google Products is $29.97 at Tiger Direct
PS4 Games Deals

Kmart.com Coupons
Tips for Business Card Offers?
Added on : Tuesday June 24th 2014 10:00:17 AM
g: 0 Posted By: SMC14
Views: 71 Replies: 0 Does anyone have any suggestions about triggering business card offers via mail or online? I would have thought that havingpersonal Citi and Capital One cardswould get megood offers for their business cards. They send me pretty good mail offers formore personal cards. Asking directly for deals on their business cards hasnt been productive. On another thread, someone mentioned that he thinks he received a biz mail offer because he had other business cards that showed up on his credit report. Should I just take the regular deals and hope for a better offer later?

Side note: I am surprised that I still receive paper mail offers from several card companies. Havent they all mostly flipped over to online ads or emails?

Thanks.
Credit Deals
KillZone (PS4) - $19.99 Store Pickup at Kmart
Added on : Tuesday June 24th 2014 10:00:07 AM
g: 0 Posted By: Revenant
Views: 58 Replies: 0 KillZone (PS4) - $19.99 free in-store pickup at Kmart

LINK
PS4 Games Deals

Kmart.com Coupons
Should I take the money?
Added on : Tuesday June 24th 2014 09:00:09 AM
g: 0 Posted By: bvue
Views: 218 Replies: 5 2 weeks ago my 2 year old son, husband and I got rear ended while stopped on a red light. It was definitely the other driver's fault. I would say she must have been going 25-30 mph and was not paying attention. She had no insurance so the police got involved and her car was towed. (We live in Minnesota if that matters.)

Now, since the other driver has no insurance, we are responsible for paying the deductible to fix our vehicle and the damages assessed were about $1100. Our bumper and the exhaust got damaged in the accident. The other drivers grill actually fell off her car during the impact. The deductible is $250 and will be reimbursed to us. Our insurance company has offered us $500 for "pain and suffering" and to sign a release. My husband sustained some whiplash side effects and went to the ER a couple hours after the accident. The doctor prescribed him 600mg ibuprofen and told him to take it easy. I felt fine and did not feel much soreness, but I think that is due to the fact that my husband braced himself against the steering wheel. Our insurance company is paying for the medical expenses.

The other factors are that my husband does not have a job and is currently on unemployment. I work, but our income together barely covers the bills and groceries. My husband still complains of a sore neck and back and restless sleep. My son seems fine as he was strapped securely in his carseat. My husband was not able to actively look for work due to not having a car, such as attending employment workshops and inability to schedule interviews during the time that our car was in the shop.

I did not miss work because I couldn't afford to, but was inconvenienced by using my break time to send the car to the shop. My insurance did not cover for a rental. I have had to hitch a ride with a friend to work. I don't have enough money to pay for the $250 deductible and to wait for the money to be reimbursed at a later date which has not been determined, yet.

My question is, does $500 seem like a very low offer or should I pursue for more? I am tempted to take the $500 because I need the money to pay the deductible but I can try and borrow the money somewhere else if it's likely that I can get more. I am not trying to get rich but I don't feel that $500 is fair considering my husband's distress over being hurt and unable to proactively find a job. In this situation, what would be a good amount? How would I address this to the insurance company that I think we deserve more?

Thank you for your time.
Personal Finance Deals
g: 0 Posted By: st4rdust
Views: 157 Replies: 0 Amazon hasThe Elder Scrolls Anthology(PC) on sale for$19.99with Free Super Saver Shipping on orders of $35 or more.

Includes Arena, Daggerfall, Morrowind, Oblivion: Game of the Year Edition and Skyrim: Legendary Edition. This means that Dawnguard, Hearthfire and Dragonborn DLC is also included.

4.6/5 stars based on 207 customer reviews.


Arena: The Anthology features the original version of Arena and will launch within a DOS emulator.
Daggerfall: The ancient golem Numidium, a powerful weapon once used to unify Tamriel has once again been unearthed. The Anthology features the original version of Daggerfall and will launch within a DOS emulator.
Morrowind: To fulfill an ancient prophecy, the Emperor sends you, to the island of Vvardenfell to rid the land of Morrowind of a dark curse. Also includes: Tribunal and Bloodmoon add-ons, plus The Elder Scrolls Construction Set.
Oblivion: With the Empire ready to crumble, the gates of Oblivion open and demons march upon the land. In the shadow of evil, a hero will rise from the ashes of a fallen Empire. Also includes: Knights of the Nine and Shivering Isles expansions.
Skyrim: Dragons, long lost to the passages of the Elder Scrolls, have returned to Tamriel. Also includes: Dawnguard, Hearthfire, and Dragonborn add-ons.



Applicable IGN Reviews:

Morrowind: 9.4/10
Oblivion: 9.3/10
Skryim: 9.5/10
DawnguardDLC: 8/10
DragonbornDLC: 8.8/10

Software Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 184 Replies: 0 UBISOFT
ESRB Rating M 17+ - Mature 17 + (Blood and Gore, Intense Violence, Nudity, Strong Language, Strong Sexual Content, Use of Drugs)
Genre Shooter
DRM Uplay

Far Cry
A tropical paradise seethes with hidden evil in Far Cry, a cunningly detailed action shooter that pushes the boundaries of combat to shocking new levels.
Freelance mariner Jack Carver is cursing the day he ever came to this island. A week ago, a brash female reporter named Valerie had offered him an incredible sum of cash to take her to this unspoiled paradise. Shortly after docking, however, Jack's boat was greeted by artillery fire from a mysterious militia group swarming about the island.

Far Cry 2 Fortune's Edition
FORTUNE'S EDITION EXTRA CONTENT
Far Cry 2 Fortune's Edition includes the following bonus content:
- Two new vehicles: Unimog, Quad.
- Three brand new weapons: Silenced Shotgun, Sewed-off Shotgun, Crossbow.
- Five new exciting maps: Cheap Labor, Last Resort, Lake Smear, Fort Fury, and one exclusive map for PC.

Far Cry 3 Deluxe Edition
Far Cry 3 Deluxe Edition for PC includes the following extra in-game content:
The Monkey Business Pack: Meet Hurk and his explosive bomb-carrying monkey in four heart-pounding missions and get two bonus ways to humiliate your friends in multiplayer
The Lost Expeditions: Discover the secrets of the island's lost World War II ruins in two suspenseful action missions, and unlock the power of a shotgun in a one-handed flare gun in multiplayer.
The Warrior Pack: Strike fear in your enemies with an exclusive dagger and get an early unlock of the tattoo editor in multiplayer.
The Predator Pack: Hunt four ferocious animals with the M-700 Predator Rifle in single-player and silently kill opponents with the unlocked Predator Bow in multiplayer.
Also included:
- The Survival Guide artbook (pdf file): Discover unique artwork and insider information to help you survive the insanity of the island.
- The game soundtrack

www.newegg.com/Product/Product.aspx?Item=N82E16832138433
Software Deals

Newegg Coupons
g: 0 Posted By: Snowyowl
Views: 65 Replies: 0 Id been looking at this Convection/ Toaster Oven for months now!!!
This Breville Oven is very well built compared to other models, larger cooking area then most tabletop convection/Toaster ovens on the market now and has a digital readout which is harder to find. I almost scooped this up at $249 ( selling for at many online outlets) when I saw it BUT.. WOOT! has it Factory Reconditioned for over $100 less.. $134+ $5 shipping + tax = $155.14 + I added 3 year warranty $19.19= $174.33 FOR JUST THE OVEN YOU SAVE $115.00

Woot!.com Breville BOV800XL

PLUS because its factory reconditioned by the original manufacturer they offer a two year Square Trade Warranty about $22... BUT I CALLED Square Trade directly and had a coupon for 40% off plus they upped me to a 3 year plan for less.. total for 3 years $19.19 which includes drops and spills. (coupons are out there or just tell them you know you had it somewhere and they'll apply)

FROM WOOT!.COM
Attractively housed in reinforced stainless steel, this 1800-watt convection toaster oven features a 4/5-cubic-foot nonstick interior and Element IQ technology, which provides smarter control over the heat
Nine pre-set functions: Toast, Bagel, Bake, Roast, Broil, Pizza, Cookies, Reheat, or Warm
Each function comes with its own pre-programmed temperature and cooking time, eliminating guesswork
Broil function activates just the top heating elements to melt and brown food; its toast function activates the top and bottom heating elements to seal and crisp; and the bake function uses both the top and bottom heating elements, as well as the convection fan, to ensure thorough cooking, inside and out
The time and temperature for the pre-set programs can easily be adjusted to accommodate individual preferences
Push-button and turn-knob control panel, and back-lit LCD screen, makes it effortless to operate the unit and to see the current function, temperature, and adjusts made
LCD screen glows blue while you select your function and glows orange while the toaster is in use
Time dial with auto shut-off and sound alert
Other highlights include fast heat-up times, energy-efficient operation, three rack positions, a wire rack that ejects automatically halfway out of the oven for safe removal of hot items, an embossed and ribbed top surface that can be used as a warming tray, and a front-access removable crumb tray for quick cleanup
Can accommodate 6-slices of toast or a 13" pizza
Includes 12"x12" enamel broil rack, 12"x12" enamel baking pan and a 13" non-stick pizza pan
Shipping Note: Eligible for shipping to all 50 states SO you can ship it to Hawaii or Alaska!Warranty: 90 Days Breville

Appliance Deals

woot! Coupons
g: 3 Posted By: ctgolfer
Views: 473 Replies: 4 Free $50 Steam Wallet Card with Razer DeathAdder 2013 Gaming Mouse
When you add the mouse to your cart, a $50 Steam Wallet Card will be added automatically as well. Plus free shipping.

6400 dpi optical sensor
With no-drift control ensures precise accuracy while gaming.
5 programmable Hyperesponse buttons
Allow you to customize your gaming experience.
Ergonomic design
With rubber side grips for comfortable use.
Razer Synapse 2.0 software
Automatically updates drivers and firmware and allows you to save data for individual games.
Gold-plated USB cable
Delivers efficient signal transfer.

www.bestbuy.com/site/razer-deathadder-2013-gaming-mouse/8157061....




Keyboard & Mouse Deals

Best Buy Coupons
Razer DeathAdder 2013 Gaming Mouse and $50 Valve Steam Wallet Card
Added on : Monday June 23rd 2014 07:00:03 PM
g: 1 Posted By: ctgolfer
Views: 57 Replies: 0 Free $50 Steam Wallet Card with Razer DeathAdder 2013 Gaming Mouse
When you add the mouse to your cart, a $50 Steam Wallet Card will be added automatically as well. Plus free shipping.

6400 dpi optical sensor
With no-drift control ensures precise accuracy while gaming.
5 programmable Hyperesponse buttons
Allow you to customize your gaming experience.
Ergonomic design
With rubber side grips for comfortable use.
Razer Synapse 2.0 software
Automatically updates drivers and firmware and allows you to save data for individual games.
Gold-plated USB cable
Delivers efficient signal transfer.

www.bestbuy.com/site/razer-deathadder-2013-gaming-mouse/8157061....




Keyboard & Mouse Deals

Best Buy Coupons
g: 0 Posted By: Zedok
Views: 143 Replies: 0 This desk is well reviewed and this seems to be quite a low price for the performance series...

http://www.officedepot.com/a/products/956652/Realspace-Magellan-...

http://www.officedepot.com/a/products/956643/Realspace-Magellan-...

The hutch is also on sale.

Use the 25% off one item code to get the price listed in the title...
You will need to order the hutch separately to use the coupon again... and I had to check out as a
guest in order to get it to work as it's a one time use code.

If you have a discover card, order through their shopping portal for another 5%. I was able to get this
combo with a pick up locally in Oregon -- so no sales tax for about $313 after the discover card
discount kicks in...

Coupon is 97562299 for 25% off one item... Price is supposed to be good until Saturday.

Hope this helps someone who needs a nice desk...
Furniture Deals

Office Depot Coupons
Implications of non payment?
Added on : Monday June 23rd 2014 11:00:08 AM
g: 0 Posted By: penelope31
Views: 212 Replies: 7 I had signed up for a 1 year gym membership in feb this year. At the time when I visited this facility, the lady who showed me around, said I could cancel it anytime by giving 60 days notice. Now due to personal reasons, I no longer want to continue with the membership and when I asked them to cancel it, they say that I wont be able to get out of this as I'm into an annual contract. I told them about 60 days notice and they say, its not for annual members. Now I do not have any written proof of this as the lady who showed me around said it to me. They are charging my credit card each month and they have copy of my driver's licence.

I want help on what I should be doing in this situation? Should I call my credit card company and report a stolen card to get rid of these payments? Will this have any legal implications? Any other way to get out of this?
TIA
Personal Finance Deals
g: 0 Posted By: jskins
Views: 198 Replies: 0 Castlevania: Lord of the Shadows 2 - 2014 Game (PlayStation 3)- $29.99 with Free Shipping at Newegg.

PlayStation 3 (PS3)
KONAMI
ESRB Rating M - Mature
Genre Action


"The sequel to the 2010 reboot follows Gabriel Belmont, now known as Dracula, through open world gameplay."

The next lowest price for this item on Google Shopping from a rated merchant is $40.10.
PS3 Games Deals

Newegg Coupons
Free Kindle Book - Success Guide For Raising Healthy Goats
Added on : Monday June 23rd 2014 10:00:16 AM
g: 0 Posted By: remick
Views: 67 Replies: 0 http://www.amazon.com/gp/product/B007LNW2A0

When you are thinking about keeping goats you need to have some good knowledge about what to consider, before taking on this long-term commitment. This easy to read guide, gives you the basic information you need to know and what is likely to be involved.

Preventative health care is essential for animals and especially for goats that are ruminants. The guide leads you through what a beginner needs to know to get started and to be successful at goat keeping.

Covers introduction and basic information about goats, Goat Breeds, Pygmy Goats,
Nubian Goats, Goat Housing, Feeding Goats, Bottle-Feeding Kids, Maintenance And Service Management, Pregnancy, Birthing, Milking, The Process, Management And Care Of Goats, Essential For Your Goats, Goat Care Tips, Management And Care Of Kids, List Of Things Needed For Kidding, Management And Care Of Bucks, Common Disorders Of Adult Goats, Some common goat diseases, Abortion, Arthritis, Anthrax, Bronchitis, Bloat, Brucellosis, Campylobacteriosis, Caprine Arthritis Encephalitis, CAE, Caseous Lymphadenitis, Chlamydiosis, Coccidiosis, Contagious Agalactia, Dermatitis, Labial Dermatitis, Labial And Interdigital Dermatitis, Allergic Dermatitis, Eye Illnesses, Conjunctivitis, Pink Eye, Foot and Mouth Disease, Foot Rot, Goat Pox, Hemorrhagic Septicaemia, Johnes' Disease, Mastitis, Scrapie, Toxoplasmosis, Common Disorders Of Kids, Arthritis, Coccidiosis, Diarrhoea, Pneumonia, Floppy Kid Syndrome, White Muscle Disease, Vaccines and Vaccinations, Goats And Parasites, Goats And The Law and Records And Record Keeping
Books & Magazines Deals
g: -2 Posted By: ctgolfer
Views: 252 Replies: 1 Main Features:
Google Glass futuristic frames come with 16GB (only 12GB will be usable) Flash memory
5 megapixel camera for stills
720p video recording
Wi-Fi b/g, Bluetooth
Battery that can handle "one full day of typical use"

Inside the Box:
Cable & charger
Mono Earbud
Pouch
Your choice of shade or frame sold separately

Technical Specifications:
Fit
Adjustable nosepads and durable frame fits any face.
Extra nosepads in two sizes.
Display
High resolution display is the equivalent of a 25 inch high definition screen from eight feet away.
Camera
Photos - 5 MP
Videos - 720p
Audio
Bone Conduction Transducer
Connectivity
Wifi - 802.11b/g
Bluetooth
Storage
12 GB of usable memory, synced with Google cloud storage. 16 GB Flash total.
Battery
One full day of typical use. Some features, like Hangouts and video recording, are more battery intensive.
Charger
Included Micro USB cable and charger.
While there are thousands of Micro USB chargers out there, Glass is designed and tested with the included charger in mind. Use it and preserve long and prosperous Glass use.
Compatibility
Any Bluetooth-capable phone.
The MyGlass companion app lets you set up contacts, Glassware, and other features. It's available for Android and iOS.
MyGlass for Android requires Android 4.0.3 (Ice Cream Sandwich) or higher.
MyGlass for iOS requires iOS 7 or later (iPhone 4 and above, iPad 2 and above with cellular connection).

www.ebay.com/itm/Google-Glass-Explorer-Edition-XE-Version-2-0-V2...
Electronics Deals

eBay Coupons
g: 0 Posted By: remick
Views: 32 Replies: 0 http://www.amazon.com/dp/B007S4ZJZM/

4.7 out of 5 stars (45 customer reviews)

In this "On Target Photo Training" volume we continue our discussion of light. Last time we covered hard light and how to work with it... this time we cover soft light, how to work with it - and when - and how to create and modify it.

This is the lighting most used in photo studios and no photographer should overlook this important topic.

As a bonus...you will also learn how to make your own softbox - no need to spend hundreds of dollars buying one when you can make it for under $10! Actually, you will learn to make two versions!

Here is the table of contents. this will show you some of what is included in this easy to understand volume.

Introduction
Dynamic Range
Narrowing The Lighting Ratio
Exposing For The Extremes
Dynamic Range Hierarchy
Why Care About Dynamic Range?
High Dynamic Range (HDR) Photography
Shadows
Shadows Determine What Type Of Light You Should Use
Spotlights
When You Don't Want Shadows!
When You DO Want Shadows
Deciding On Hard Or Soft Light
Soft Light
Soft Light Defined
The Photography Diffuser - A Portable Cloud
Hard And Soft Light From The Same Source!
Soft Light Advantage
The Umbrella
The Softbox
Make Your Own Softbox
Test Your New Softbox!
Other Soft Light Options
Composition
Composition Defined
Framing
Vignette
Shape
Size
Space
Mood
Diagonals
Symmetry
Clutter
Photo Exercise
Additional Photo Training
Totally Free Deals
Advice on rebuilding credit
Added on : Sunday June 22nd 2014 09:00:04 PM
g: 0 Posted By: dgsion
Views: 62 Replies: 0 Hi guys, I know there are some sharp folks here. Long story short I'm 29 years old and about 4 years ago I lost everything I had and some $ borrowed from banks in the stock market. That, coupled with student loans made my credit score go from near 800 to the floor. I checked it a few months ago and I think it was around 500 something. My question is what would you recommend for rebuilding it? I know most places won't extend a line of credit, via retail or others but I heard some are easier than others.. someone said Amazon was easier? My debts are still outstanding but written off, so correct me if I'm wrong but I believe the credit score will not be dinged if that's the case. Cheers.
Question Deals
Free Kindle Book: CyberStorm by Matthew Mather at Amazon
Added on : Sunday June 22nd 2014 04:00:07 AM
g: 1 Posted By: ThriftyNet
Views: 136 Replies: 0 Check price before you click buy (knowing how quickly prices change).
Currently CyberStorm by Matthew Mather (Kindle Edition)is free at Amazon.

I've had this Kindle book in my wish list for some time (to watch for a special); can't get much better than free.
Book description says this is being made into a movie.
Over 3000 reviews 4.3 stars.
Totally Free Deals
g: 3 Posted By: remick
Views: 1234 Replies: 1 http://www.amazon.com/gp/product/B00IFKLW9U/

Tiarra is half Vulcan and half Earth woman. She has special talents that alert her loved ones to her presence. She is trained to do all jobs on a star fleet star-ship. Her first assignment is on board the S.S. Victor which is captained by her Earthling brother. Tiarra falls in love with another half breed and their union starts a star fleet precedent new to the space community.
Tiarra is very much in the Star Trek vein. You may see some similarities but Tiarra is basically a love story between two half Vulcan/half Earth people who experience the Passion Ties of Vulca.
One of them is pledged to someone else but the passion tie between Tiarra and Braack cannot be denied. It could be dangerous to the S. S. Victor itself.
A duel is committed to break the original passion tie pledge, but not without consequences. The fall out from the duel lingers in their life for quite a while.


Seal of the King
http://www.amazon.com/gp/product/B00E52VRBA

The battle between dark and light rages and the world is on the CUSP of a tipping point. Will an age of darkness befall mankind or will the light prevail?
David and Aurora have seen visions of each other their entire lives but never met, until now. Aurora a fearsome warrior and David a simple farmer are thrust into the heart of the battle. An ancient prophecy foretells of their final showdown with the Dark One. Will their faith be strong enough for them to prevail?
Join them as they embark on their journey to the lair of the beast knowing they may never return.


Zylan's Messengers
http://www.amazon.com/dp/B00GKQPR3S

Three civilizations separated by billions of years in time and millions of light years in distance, come to life as their disparate histories converge to help the human race survive in 2408, when all of their bad decisions come back to haunt them.
The highly advanced Zylan civilization's planet expired of natural causes about 3.5 billion years ago, but not before they dispatched "Messengers" around the universe to teach the knowledge and legacy of their three hundred thousand year existence. One of those Messengers landed on a planet in the Andromeda galaxy and one on Earth connecting these two planets as they both attempt to manage their respective declines. The other civilization, much more advanced than Earth, in an effort to save themselves, offers a technological solution to Earth's problems, but with a price to be paid in the distant future.
Will the human race honor the commitments of their forefathers, or are they willing to risk the wrath of their benefactors? Zylan's Messengers explores the reasons that humans are the only animals on Earth that make conscious decisions that are bad for their survival


Everflame
http://www.amazon.com/gp/product/B008QZMX7E

Long ago, when the earth was young... Four ancient beings created man to be the bastion of the earth and its creatures. But when The Great Tyrant came and chased The Ancients away, the world was transformed into a place of fear and isolation. Over time humans lost the connection they had with a world they had been created to protect. Now, deep in the forests that surround Gray Mountain, two bears find a small child that is abandoned and left for dead. They name him Evercloud, and raise him as a member of their kingdom. Teaching him the secrets of the elders, they tell him of the ancient beings that created man and the rumors of their return. Evercloud must now go on a quest to return The Ancients to power. However, in another corner of the land, a man known only as The Messenger travels the land under a white hood, on a mission to prevent the return of The Ancients. We follow the paths each of these men take until their stories collide in an epic battle of good versus evil.


The Waking Moon
http://www.amazon.com/dp/B00G3BJURO

The beloved paranormal romance that created an international fandom, now available for Kindle!
Paulette's life is in shambles. Her sister is dead, her mother is a drunk, and she's been forced to transfer into a chaotic public school full of bullies. Things go from bad to worse when her intoxicated mother hits and kills a teenage boy and is sent to jail. Now she is truly alone. That is until the teenage boy mysteriously comes looking for her, convinced that he and Paulette are meant to be together. He is the most beautiful boy shes ever seen. But dead.
Afraid he'll find her insane, Paulette must keep the secret from her love-struck best friend, Rhodes, a prodigy who lives and breathes rationality and science. In the end, it's up to her to save them all from the power-hungry, undead teens who want to kill her, kidnap Rhodes, and claim Jack as their own.


New on 6/22

CyberStorm
http://www.amazon.com/gp/product/B00BT4QRHG

Now being made into a major motion picture by 20th Century Fox, with Bill Kennedy of House of Cards adapting the screenplay.
Mike Mitchell, an average New Yorker already struggling to keep his family together, suddenly finds himself fighting just to keep them alive when a bizarre string of disasters starts tearing apart the world around them. The Internet goes down. A bird-flu epidemic starts raging. Rumors spread that it's all part of a coordinated foreign attack. And then the power goes out as a monster snowstorm plunges New York into frozen darkness, becoming a wintry tomb where nothing is what it seems...and no one can be trusted...
"As a member of the Military that does 'cyber' for his job, finally we see a novel that shows how dangerous our transition to an interconnected infrastructure will become without proper safeguards...I couldn't put down!" - Karic Allegra, Joint Interoperability Command, US NAVY
What caused it? Who caused it? How can it be stopped? These questions become unimportant as Mike's family struggles to survive amid millions of people in the doomed metropolis.


The Transhumanist Wager
http://www.amazon.com/gp/product/B00AQQSY60/

"WINNER" Fiction Visionary - International Book Awards
Leading futurist, philosopher, and former National Geographic journalist Zoltan Istvan presents his award-winning, bestselling visionary novel, The Transhumanist Wager, as a seminal statement of our times.
His philosophical thriller has been called "revolutionary," "life-changing," and "a masterpiece" by readers, scholars, and critics. The novel debuts a challenging original philosophy, which rebuffs modern civilization by inviting the end of the human species--and declaring the onset of something greater.


Books Deals

Amazon Coupons
90 Days worth of Insurance
Added on : Saturday June 21st 2014 01:00:06 PM
g: 0 Posted By: Table83
Views: 90 Replies: 2 I just got a new job. Old employer is in Washington. New employer in Oregon. (Both in the Portland area.) Family of 5. Wife, 4 yo son, 2 yo daughter, 6 mo dauaghter. All in good health and none of us have ever had major health issues.

My current employer is too small to offer COBRA plans. Frankly I'm not sure what a COBRA plan is exactly anyway. They offered to let me pay the whole premium until my new insurance kicks in after 90 days which would be just shy of $1200/mo. I'll be making $45k and there is no way that is going to be able to happen.

I do know that I need to look at the health exchange. But wanted to ask some general advice before I start really digging into this.

1) Could I get the Obama-care fine for not having insurance for 90 days?
2) Would you risk going without insurance for 90 days?
3) Are there special plans for these types of situations that I should look for? What keywords should I keep my eyes open for?
4) Any other recommendations?
Personal Finance Deals
g: 0 Posted By: Trickracen
Views: 358 Replies: 0 Saw This Being Clearanced out in Northridge, CA. Possibly YMMV. They had at least 20 in stock.
Regular price is $69.99
Clearance $39.99
20% coupon, readily everywhere even walking into a store you can have one texted to your phone.
Makes it $32.00
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Roomba 650 $259.99 @ Meijer Clearance - YMMV
Added on : Saturday June 21st 2014 10:00:06 AM
g: 0 Posted By: scoutconnor
Views: 122 Replies: 0 I was just at a Meijer and they had the Roomba 650 on clearance for $259.99. The 770 was also on clearance.
Today only there is also a 10% off coupon through MPerks.
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g: 1 Posted By: SieSilverStars
Views: 264 Replies: 0 The V-MODA Crossfade M-80 Vocal On-Ear Noise-Isolating Metal Headphones are on sale for $89.99 with Free Super Saver Shipping.

Shadow Linky
White/Silver Linky

Received 4.4/5 stars based on 255 customer reviews on the product page.


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g: 1 Posted By: SieSilverStars
Views: 194 Replies: 0 The V-MODA Crossfade M-80 Vocal On-Ear Noise-Isolating Metal Headphones are on sale for $89.99 with Free Super Saver Shipping.

Shadow Linky
White/Silver Linky

Received 4.4/5 stars based on 255 customer reviews on the product page.


Headphones & Speakers Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 139 Replies: 0 http://www.amazon.com/gp/product/B00IFKLW9U/

Tiarra is half Vulcan and half Earth woman. She has special talents that alert her loved ones to her presence. She is trained to do all jobs on a star fleet star-ship. Her first assignment is on board the S.S. Victor which is captained by her Earthling brother. Tiarra falls in love with another half breed and their union starts a star fleet precedent new to the space community.
Tiarra is very much in the Star Trek vein. You may see some similarities but Tiarra is basically a love story between two half Vulcan/half Earth people who experience the Passion Ties of Vulca.
One of them is pledged to someone else but the passion tie between Tiarra and Braack cannot be denied. It could be dangerous to the S. S. Victor itself.
A duel is committed to break the original passion tie pledge, but not without consequences. The fall out from the duel lingers in their life for quite a while.


Without
http://www.amazon.com/gp/product/B008OLD5DG

The apocalypse came as a whisper.
Mother Nature had been sending signs for three years, but most didn't pay attention until she pulled the plug on everything. Nobody will forget where they were and what they were doing at 8:13 on that morning. They're all still waiting for 8:14. Well, at least the ones that have made it so far.
He was stuck in Atlanta traffic, making his way to work, when the world fell silent. His car, his radio, his phone, his watch, anything that needed a spark, a battery, or an outlet died. The silence didn't last long and neither did she. He didn't know if the yellow sundress was the first to die, but he does know that she wasn't the last. Not even close.
As aircraft fell out of the sky, panicked drivers lost control in the fast lane, and pace makers stopped keeping their rhythms, he got out of his car and popped the trunk. Most didn't pay attention, but he did. And he knew what was coming.


Abomination
http://www.amazon.com/gp/product/B005Q2N4NC

They were built as unstoppable warriors. They became unstoppable monsters.
Four decorated U.S. Marines with spotless service records are wanted for the brutal rapes and murders of over a dozen women within four months. Their hunting grounds stretch from New York to Georgia. When Ryan Pearson and his team of FBI agents close in on the first killer, the cornered Marine nearly defeats three heavily armed assault teams with nothing but unbridled violence and grossly deformed hands.
After the bloody encounter that left another woman and two agents dead, Ryan begins to question the directives of the military liaison and his own boss, the Deputy Director of the Bureau. The answer he discovers during his unsanctioned investigation blurs the normally focused line between victim and criminal.
Ryan enlists the help of a civilian scientist that can link the sociopathic behavior of the four fugitive Marines to a biomedical research facility where they were stationed prior to the murders. When the scientist Ryan befriends is attacked in a military style ambush, he forces himself to remember every detail of the violence. He wants to remember so he knows exactly what to give back to the ones responsible.


Seal of the King
http://www.amazon.com/gp/product/B00E52VRBA

The battle between dark and light rages and the world is on the CUSP of a tipping point. Will an age of darkness befall mankind or will the light prevail?
David and Aurora have seen visions of each other their entire lives but never met, until now. Aurora a fearsome warrior and David a simple farmer are thrust into the heart of the battle. An ancient prophecy foretells of their final showdown with the Dark One. Will their faith be strong enough for them to prevail?
Join them as they embark on their journey to the lair of the beast knowing they may never return.


Zylan's Messengers
http://www.amazon.com/dp/B00GKQPR3S

Three civilizations separated by billions of years in time and millions of light years in distance, come to life as their disparate histories converge to help the human race survive in 2408, when all of their bad decisions come back to haunt them.
The highly advanced Zylan civilization's planet expired of natural causes about 3.5 billion years ago, but not before they dispatched "Messengers" around the universe to teach the knowledge and legacy of their three hundred thousand year existence. One of those Messengers landed on a planet in the Andromeda galaxy and one on Earth connecting these two planets as they both attempt to manage their respective declines. The other civilization, much more advanced than Earth, in an effort to save themselves, offers a technological solution to Earth's problems, but with a price to be paid in the distant future.
Will the human race honor the commitments of their forefathers, or are they willing to risk the wrath of their benefactors? Zylan's Messengers explores the reasons that humans are the only animals on Earth that make conscious decisions that are bad for their survival


Everflame
http://www.amazon.com/gp/product/B008QZMX7E

Long ago, when the earth was young... Four ancient beings created man to be the bastion of the earth and its creatures. But when The Great Tyrant came and chased The Ancients away, the world was transformed into a place of fear and isolation. Over time humans lost the connection they had with a world they had been created to protect. Now, deep in the forests that surround Gray Mountain, two bears find a small child that is abandoned and left for dead. They name him Evercloud, and raise him as a member of their kingdom. Teaching him the secrets of the elders, they tell him of the ancient beings that created man and the rumors of their return. Evercloud must now go on a quest to return The Ancients to power. However, in another corner of the land, a man known only as The Messenger travels the land under a white hood, on a mission to prevent the return of The Ancients. We follow the paths each of these men take until their stories collide in an epic battle of good versus evil.


Nowhere Blvd: A Horror Novel
http://www.amazon.com/dp/B006R4RTSE

In this Kindle horror exclusive, eleven year old Spencer Williams mysteriously re-appears in his bedroom after having been missing for two years. The story of where he's been is one no sane person would believe, a tale of being kidnapped by a creature out of legend and taken to a scary and strange urban fantasy land. A place where young children the world over are subjected to horrible experiments by the original boogie man, the living nightmare known as Smiling Jack.
Spencer keeps his secrets, happy to have been the only child ever to have escaped the clutches of Smiling Jack and his minions. With his nightmares fading into the past, Spencer returns home and tries to live a normal life. But when his baby sister goes missing, will Spencer be willing to take the ultimate risk to save her?
Will he be willing to return to the horror of Nowhere Blvd?


The Waking Moon
http://www.amazon.com/dp/B00G3BJURO

The beloved paranormal romance that created an international fandom, now available for Kindle!
Paulette's life is in shambles. Her sister is dead, her mother is a drunk, and she's been forced to transfer into a chaotic public school full of bullies. Things go from bad to worse when her intoxicated mother hits and kills a teenage boy and is sent to jail. Now she is truly alone. That is until the teenage boy mysteriously comes looking for her, convinced that he and Paulette are meant to be together. He is the most beautiful boy shes ever seen. But dead.
Afraid he'll find her insane, Paulette must keep the secret from her love-struck best friend, Rhodes, a prodigy who lives and breathes rationality and science. In the end, it's up to her to save them all from the power-hungry, undead teens who want to kill her, kidnap Rhodes, and claim Jack as their own.

Books Deals

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g: 0 Posted By: vader9
Views: 24 Replies: 0 TOTO Drake Elongated Bowl and Tank, Cotton White (CST744S#01) $181 Amazon - FREE SHIPPING

www.amazon.com/TOTO-Drake-Elongated-Cotton-White/dp/B0012HINC2

Great toilet. Top rated in a leading consumer magazine. Well loved by the plumbers on Terry Love's plumbing blog. Just $2 more than the lowest price ever, according to 3 dromedaries. Typical price is about $230, so this is a $50 savings.

I bought one of these last year after researching it a lot and have been happy with it so far.

This was my thinking at the time. It was # 3 in a leading consumer magazine. But #1 (American Standard Champion 4 2002.014) is not as well liked by actual users on various sites. For example, on Amazon, 92 users gave it an average score of 3.9, while 123 users gave the Toto an average of 4.6. For the curious, the consumer magazines #2 (Gerber Avalanche 21-818) actually has a tie score with this one in the mag's ratings. I think it is #2 not #3 because they list tie scores alphabetically. The Gerber is excellent on noise, and very good on bowl cleaning; this one is excellent on bowl cleaning and very good on noise. Bowl cleaning is more important to me than noise, and very good noise is still very good. Having installed it, I have not found it noisy at all. I was also hesitant about the Gerber because they are less common than the Toto and I thought parts might be harder to get than for this one.

The final thing was that plumbers (I looked at the toilet forum on Terrylove) seem to love this toilet for no leaks and no problems. They all said it was a very easy to install. I did it myself, and had no problems.

I did not get the Sanagloss (which is an option). Toto appears to be marketing Sanagloss now as an anti-disease thing rather than as easier to keep clean. To my eyes, that seemed like they were backing off claiming easy-cleaning and it seemed a little gimmicky. I also saw a posting by a guy who had installed both and had not seen a difference. Probably no harm if you get sanagloss. It was coin toss for me, really. So far, no regrets, but only years will tell if I should have gone for sanagloss.

I hope you all benefit from my time looking into this.
Beamz C4 Interactive Music System for PC $59.99 @ Woot
Added on : Friday June 20th 2014 09:00:06 PM
g: 0 Posted By: ctgolfer
Views: 161 Replies: 0 shipping adds $5

Beamz interactive music song library includes top hits, party favorites and original works from independent and Grammy award winning artists. Beamz music encompasses all music styles and genres rock, pop, jazz, blues, classical, dance, hip hop, club, dubstepno ones music interest is left behind. Enjoy exploring the hundreds of different instruments, music clips and sound effects within Beamz' songs.
Play The Light
Load a Beamz song and just simply touch one of the 4 laser beams and youre making music. Each Beamz song has up to 12 different settings for the laser beams - includes a SWAP function to move around and access groups of 4 laser beam assignments within each song.

No Learning Curve
Each Beamz song is setup for you to sound great however you choose to play it.

Record - Share Your Creativity
With a touch of a button you can capture and record your creations - and then enjoy them later in any digital music media application and to have them to share them with your friends.

Mix It Up
Use the custom beam layout function to adjust the volume and position of each instrument/sound effects within a Beamz song.

Library Management
Setup your own Beamz song playlists so your personal favorites and party songs are ready to play.

Game A Little
Use the bonus ShadowBeamz interactive music game to build up your Beamz skills and to compete with your friends.



Easy to Use

Connect to host computer via USB and open a Beamz song within the Beamz Player dashboard
Pass your hands through the beams to trigger streams of musical notes, vocals or sound effects harmoniously paired to play with each song's background rhythm track

http://electronics.woot.com/offers/c4-interactive-music-system-f...
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woot! Coupons
g: 0 Posted By: ctgolfer
Views: 91 Replies: 0 40mm Dual-Diaphragm drivers (biggest in class, patent-pending)
Compact on-ear, lightweight, steel construction
Vibrant bass, vivid mids, vivacious highs
Bliss noise isolation
Exoskeleton hard case

www.amazon.com/dp/B00I9UKKS0/ref=gbsl_tit_l-1_0942_00f4ec53
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Razer Deathadder mouse $20.98 @ Target, YMMV
Added on : Friday June 20th 2014 08:00:08 PM
g: 0 Posted By: Cyfun
Views: 95 Replies: 0 Stolen fromthis Reddit thread:
Tromben said: Found this in the PC game section. It was regular price, not on sale or on clearance. They also had the Naga which was the normal price of $67.99.

It was the normal price. The website lists it as an online only item but it set in our store this week. I would try to get there before Monday which is when that section sets for the week.

Also an employee here. This set on our revisions for this week. Not a return! I'm sure this will get fixed by pricing team soon.

Poor quality pic of receipt

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

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

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

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

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

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

Here's some random ideas that may work:

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

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

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

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

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

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

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

I'm writing this for student loan debt forgiveness but feel free to use this to discuss any current 2014 debt forgiveness/insolvency testing issues.
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 Xbox One Standard Edition (no games included)
Processor: 8-Core AMD custom 1.75GHz CPU
RAM: 8GB DDR3
Graphics: GPU Clock Speed: 853 MHz(originally 800 MHz), Shader Cores: 768, Peak Throughput: 1.23 TFLOPS
Storage: 500GB Hard drive
Optical Drive: Blu-Ray/DVD
Communication: Gigabit Ethernet, WiFi (A/B/G/N dual-band at 2.4ghz and 5ghz) includes WiFi
Ports: USB 3.0, HDMI input and output (4K support)
Dimensions: 13.1 x 10.8 x 3.1 (console)
Weight: 8 pounds (console)
Includes: Xbox One Console, Kinect Sensor for Xbox One, Wireless Controller, Chat Headset, HDMI cable, Power Supply
Brand: Microsoft
Model: XBOX-ONE
Condition: New Open Box
Warranty: 1 Year
Packaging: Retail

http://1sale.com/electronics/audio-gaming/xboxone/
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Virgin Mobile ZTE Awe $40 RadioShack.com - Grandfathered phone
Added on : Friday June 20th 2014 12:00:08 PM
g: 0 Posted By: unhuman
Views: 211 Replies: 0 RadioShack.com has the Virgin Mobile ZTE Awe for $40 with free ship-to-store. This phone is the best phone you can add to a grandfathered $25 plan (you don't activate the phone, you add it directly to your account online). Dual core (even though it isn't advertised as such), Android 4.1.2. 1GB Ram. Not a bad phone. Huge step up from the Optimus Elite and prior V that I've had before.

www.radioshack.com/product/index.jsp?productId=28326026
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g: 0 Posted By: VegasVegan
Views: 114 Replies: 0 2014 Summer Blooming Flowers Grab Bag@ Hollandbubfarms.com
300+ bulbs/perennials per package

This year's grab bag includes a wide variety of plants to grow in sun as well as shade, and for yourplanting beds, as well as containers and hanging baskets.This special deal of bulbs and perennials has varying bloom times for all summer color. All of the 300+ bulbs in this package are of excellent quality, individually packed, and ready for immediate planting (ships in 3-5 business days). As always, all of these bulbs are backed by our 100% Grow Guarantee!This Grab Bag of Summer Blooming Flowers and Perennials Includes the following:

3 bare root Astilbe
1 bare root Bleeding Heart (white or pink)
60 Mixed Gladiolus Bulbs
120 Solid Color Value Gladiolus Bulbs
3 bare root Columbine
12 Mixed Unwin Dahlia Tubers
6 Dahlia Tubers (Cactus or Decorative or Impression)
5 bare root Daylilies
6 Double Begonia Tubers
40 Dutch Hybrid Gladiolus Bulbs
3 Caladium Corms
9 Hanging Basket Begonia Tubers
10 Hardy Miniature Gladiolus
5 bare root Hosta
1 bare root Tall Phlox
25 specialty bulbs
3 Canna Lilies

Perennial in Zones 3 - 8. . Size Varies. This item willl Bloom/Grow Summer to Frost 2014.
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Minimum Income Required For CC Approvals?
Added on : Friday June 20th 2014 08:00:08 AM
g: 0 Posted By: swedishlionfish
Views: 107 Replies: 2 I have good credit (usually hangs around 780) and have a few credit cards already (Discover it, Amex Blue Sky, Chase Sapphire, Chase Freedom) but want to start applying for more cards with larger opening bonuses (airline cards), cards with annual fees, larger minimum spend for bonus, etc. Last year I applied for a Chase Sapphire Preferred and was denied despite my good credit, so I settled for standard Chase Sapphire with a smaller opening bonus. After some research I saw someone had said that a minimum income of $150,000 is required for the Chase Sapphire Preferred although it did not say this anywhere on the app. Is this true? I make around 28k/year, will I have problems applying for new more lucrative cards? Would I have a better chance of getting these cards now that I have more credit history? I only had two credit cards at time of applying for Sapphire. I am also younger (25), will my age affect any of this? Thanks
Credit Deals
g: 0 Posted By: bpvh
Views: 124 Replies: 0 Office Depot / OfficeMax rebate software for the week of 06/22/2014 (2 McAfee titles)


McAfee AntiVirus Plus For 1 PC
$6.99 After $8 Instant & $25 Mail-In Savings Visa Prepaid Card
In Store Price $31.99
OD 194-078 \ OM 2416-3138


McAfee AntiVirus Plus For 3 PCs
$7.99 After $12 Instant & $40 Mail-In Savings Visa Prepaid Card
In Store Price $47.99
OD 101-297 \ OM 2416-3129


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
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g: 0 Posted By: beethovengirl
Views: 16 Replies: 0 Hi,

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

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

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

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

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

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

Normal Price: $129.99 @ Newegg

See DizzyT71's post below for Amazon reviews of bare drive.
Hard Drives Deals
Figuring Out Credit Card Interest
Added on : Wednesday June 18th 2014 09:00:14 AM
g: 0 Posted By: nickygrahn
Views: 165 Replies: 1 Hey guys, I've done a bit of browsing on these forums in the past and finally made an account! I am wondering if you can help me figure something out:

I have a Discover credit card that has 22% APR which I've used for months now. I've always paid off the statement balance as I use this for my business. Just lately, I had to put a major repair on my credit card and will not be able to pay off the full balance. It's currently at $2700 and the payment due date is in a couple weeks. Does anybody know what extra I would be paying if I put $1500 towards it now and wanted to the pay the rest off in August? I've never had to do this and am worrying about how much they will make on me even if I pay it off within a couple installments. Thanks so much for any responses!
Personal Finance Deals
Where to file a complaint about a mortgage closing?
Added on : Wednesday June 18th 2014 07:00:09 AM
g: 0 Posted By: Lurker1999
Views: 175 Replies: 2 I incurred some additional out of pocket costs due to a delay in my house closing because of delays in underwriting my mortgage. I was notified the day before the closing that the underwriters had finally started to look at my file and requested additional documents which I then provided that same day. Despite this, the closing had to be delayed. The bank has refused to compensate me for the costs which I paid out of my pocket to the seller to allow the deal to move forward. The bank had someone follow-up with me and will get back to me later this week. I anticipate they'll tell me they're not going to reimburse me. I am planning on filing a complaint with my state's attorney general's office consumer protection division which handles banking complaints. I will also file a complaint with the Consumer Financial Protection Bureau. Are there any other avenues that I should explore? The bank I was dealing with is an out-of-state credit union so I am not sure the local media would be interested.

The credit union use a separate company for their underwriting process and closings. Should I also file complaints against them separately? Should it be done simultaneously or after the credit union complaint?
Personal Finance Deals
House Fire (structure coverage denied)
Added on : Wednesday June 18th 2014 07:00:08 AM
g: 0 Posted By: Truck78
Views: 1 Replies: 0 Ok. So I am learning a lesson the hard way (review your policy often)....anyways.

Recently I had a house fire that began by a family member of mine in my home that I was no longer living in. This family member lives "bare minimum" and was using the home most days of the week and taking care of the property. I don't think the family member makes a difference anyways as you read the reason for denial. The fire was ruled accidental. The house has an equity line of credit on it but the insurance did NOT reflect the bank as a lien holder.

Fast forward six weeks after the fire....I get an email from the senior adjuster APPROVING my entire claim. Mind you, I was upfront about me NOT living in the home at the time of the fire. In fact I had moved out to a different part of town about a year prior (the home was thus for sale) which was explained to the insurance company. Anyways....the very next day after the approval email I get an email saying the claim has been sent to the "legal team" and thus they are still investigating. After another several weeks I finally get the denial call (with a followup email and letter).

The personal property (appliances, that we still there) was approved. A check was issued for that (not cashed yet). The structural damage was denied stating the reason "Insured was no longer residing at insured location".

I have spoken with two "insurance only" attorneys here and both stated the case is weak since I indeed did not live at the premises. I understand that but I stated that to the insurance company right away. I am looking at this as a "Hey even you guys can't interpret your own policy correctly".

Anyway....My point is since they initially approved my claim then later denied it without anything new coming to light do I have a case if a jury heard it? Any other advice?

Important take away:

1. I was the named insured but not living at the insured premises
2. Have a mortgage but bank was NOT on the insurance (don't know how that happened)
3. Claim entirely approved (structure and personal property) then later structure damage denied but personal property approved
4. I believe the insurance company had this claim as a total loss (but they never confirmed that)

I am pessimistic about the outcome.... so here I am asking for your thoughts....or insults ( i.e. "you're an idiot" )

Thanks
g: 0 Posted By: chonmon
Views: 166 Replies: 0 www.mopnado.com


Bought one for my Dad using the fathers day discount. Tried the code today as I wanted one for myself and it still worked. I had the hurricane spin mop and it broke, compared to that, this is the Lexus of Spin Mops.
check out is done via Amazon.
Seems to work for both models.

4.5 star reviews on Amazon
use codePDL565XL


Home & Garden Deals
Free Kindle Book - Contact Aliens Within 30 Days. A 2014 How to Guide
Added on : Wednesday June 18th 2014 05:00:11 AM
g: 0 Posted By: remick
Views: 71 Replies: 0 http://www.amazon.com/gp/product/B00K4ASH1U/

We've all had alien contact. All 7 billion of us. We just don't remember it.

Do you want to remember your encounter with aliens?
Do you want to have a new alien experience that you can remember?
Did you know it is much easier than you think?

With the use of metaphysical techniques, ManuS brings what was once thought almost impossible, into the everyday.

This comprehensive ebook gives you a step by step, day by day plan, with advice, examples and exercises, to enable you to change yourself so that you can make alien contact within your life a reality.

This title is not for everyone and it is absolutely necessary that you wish to meet aliens out of a curiosity or excitement, not a need. You need to have an extremely positive and happy outlook, and so the guide is written with this in mind, and assists in getting your joy level even higher.

"Contact Aliens Within 30 Days. A 2014 How to Guide for Positive, Passionate and Loving People Wishing to Contribute to Extraterrestrial Communities" is the first of its kind. While many other titles exist describing hundreds of thousands of personal alien contact situations, no one has written down the steps of how to get there in this way before.

Even if you decide that this ebook is not for you, by simply downloading it you are sending a vote out to the aliens waiting for us to be ready, that another person might be ready. It'll reach critical mass soon, so let's do our part by showing aliens in personal contact situations that we're ready so that they'll bring Official First Contact forward.
Totally Free Deals
Free Kindle Book - The Courtesan Handbook
Added on : Wednesday June 18th 2014 05:00:10 AM
g: 0 Posted By: remick
Views: 57 Replies: 0 http://www.amazon.com/gp/product/B00DY68GO4

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

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

You will learn:

A brief history of the courtesan
The different types of escort businesses you can pursue
How to properly advertise yourself and create a powerful web presence
How to navigate the various online marketing options
How to attract and maintain the highest level of clientele
How to remain healthy, happy, and safe while making more money than you ever have before
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g: 7 Posted By: remick
Views: 458 Replies: 2 http://www.amazon.com/gp/product/B00BI8K6SE

Memorable Quotes is a collection of the absolute best inspiring and motivational quotes that have had a massive and empowering impact on millions of peoples lives around the world. The quotes have been collected from a wide variety of sources magazines, books, newspapers, movies, and the internet anywhere we found a thought acutely and beautifully expressed.
The quotes give you the extra push you need to achieve all the success life has to offer. They will inspire you to change your perspective on life and think in a new and exciting way, so that each adversity becomes a test of your mind and spirit. This book is a must-have for all who are looking for the motivation to improve the quality of their lives.
Read what the greatest people in the history have to say and enjoy it!



also:

The Positive Thinking Secret
http://www.amazon.com/Positive-Thinking-Secret-Aaron-Kennard-ebo...

8 Reasons Your Life Matters
http://www.amazon.com/8-Reasons-Your-Life-Matters-ebook/dp/B00CR...

A Motivational Masterclass: Life Changing Quotes
http://www.amazon.com/Motivational-Masterclass-Life-Changing-Quo...

Interviews with the Masters: A Companion to Robert Greene's Mastery (was $12.99)
http://www.amazon.com/Interviews-Masters-Companion-Greenes-Maste...

Daily Inspiration: Transform Your Mind, Body & Spirit
http://www.amazon.com/Daily-Inspiration-Transform-Your-Spirit-eb...

Happiness: How To Win The War In A Mental Minefield
http://www.amazon.com/gp/product/B00IHS44HC/
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Amazon Coupons
Any real benefit to HRA over FSA?
Added on : Wednesday June 18th 2014 04:00:11 AM
g: 0 Posted By: NonReturnable
Views: 0 Replies: 0 My employer has 3 options for health insurance.

3. No frills, no HRA
2. $1000 HRA, but costs you $1000 more a year over option 3.
1. $2500 HRA, costs you $2500 more a year over option 3.

I have option 2. I also pay $500 into an FSA to help cover some of my wifes prescription drugs over the year.

As of right now, my FSA has been emptied. I have $1500 in my HRA.

I had a root canal done yesterday. Turns out, even though the IRS says HRAs can be used to pay for dental, my companies HRA will not. I do not know why they made that decision. I also can not move money from my HRA to my FSA.

Is there any advantage of an HRA, over an FSA? Or, next year, should I just go with the cheaper option, and put an extra $1000 into my FSA myself, this way I'm not limited on what I can use the money for (as long as its medical related)?

Looking through what my company deems I can use the HRA money for, its really trimmed down compared to what the IRS says I can use HRA for. Eg, I also can't use it for paying for a gym membership (my doctor said she would write me a letter for it) even though the IRS says that's ok.

Only advantage I can think of is my company prefunds my HRA. But, I have a pretty even spend over the year, so its not a big deal to me.

Very frustrated right now that I have this money sitting in this HRA account, but I have to pay for a root canal and cap out of my own pocket.

I've discussed this with HR, and they say "well, we fund that HRA for you! We're giving you money!" No your not, I still have to pay an extra $1000 over the course of a year for it, so its not free at all.
g: 0 Posted By: vincentwang7939
Views: 102 Replies: 0 There is a big sale/closeoutgoing on right now @ www.soulelectronics.com/shop that was similar to what they had last month except this time it seems they have added stock and more colors so there are more to choose from.

SL100 - $59
SL150 - $69
SL300 - $79 - This seems to be the best deal cause these are active noise cancelling. Reviews aren't bad especially at $79 bucks for a plethora of colors
Not sure how long this is going to last as I didn't see an expiration.

Enjoy!
SOUL by Ludacris Deals
Problems with CITI bill payment system
Added on : Tuesday June 17th 2014 07:00:04 PM
g: 0 Posted By: ptiemann
Views: 31 Replies: 0 I got a call this morning from a dentist (about 80 miles away, I never heard of him) - they had received a check from by business account over $232 .. supposedly a patient's payment and they wanted to know for which patient / invoice this was to apply.

- I had never been to that dentist
- I never paid any medical bill out of this checking account

I was able to talk the lady from the dentist office into mailing the check to me. I looked at my bill payment section on citibank.com and no payment of $232 had been taken out of my account.
CITI's bill pay feature removes the funds from your account, then a paper check is mailed out.
It appears that the funds are taken from the source account (mine), put into an intermediate account and the payee receives a check drawn from the intermediate account - so that does not show my account information.


I am posting this to see if this has happened to anyone else. I do use CITI's bill payment quite a bit (~10 payments a month) -- this is a business account, and I am the only one with access to it. I believe that my password is fairly strong and I never use it from a public computer.

And before anyone comments about it - yes, there might also be a potential to scam CITI for $232. (Return the unused check in a CITI branch) - no I won't do that.

edit:
interesting research technique would be to ask the dentist for a list of all customers with an open bill of $232.
Discussion Deals
g: 0 Posted By: seemegan
Views: 126 Replies: 0 http://www.glassesshop.com/sunglasses

Use code: Y2B45 to get 45% OFF on the new Sunglasses.
Remember to shop the new arrivals sort.

Hurry - Limited offer!


Sunglasses Deals
g: 0 Posted By: slovell
Views: 150 Replies: 5 Around 4-5 years ago, we were going to do a cash out refi with Oxford Lending. The day that we were supposed to attend the closing, an employee from Oxford called to tell us that our loan would not be going through. He said that underwriting had taken a second look & decided not to approve our appraisal after all because there hadn't been a comparable house sold in our area in the last 3 months (we live in a very rural area). We were shocked, but this guy had been inefficient from the start. We dropped the plan to refi. Fast forward to now & we were offered a rate reduction from Chase (our original mortgage co.) We decided to go ahead with the process due to it being no cost. We were shocked when their underwriting called & told us that we had a $1000 bill with the local title company that was scheduled to close the previous loan. They recommend that I call them. When I contacted them, they stated that it was due to such things as abstracting fees, attorney opinions etc. I was shocked & couldn't believe they hadn't contacted us earlier or why Oxford Lending had even had those things done if they weren't going to proceed with the loan. My question is, are we legally responsible for these fees? If not, is there anyway to make Oxford pay them?
New User Question Deals
House Insurance Claim - Depreciation ?
Added on : Tuesday June 17th 2014 02:00:05 PM
g: 0 Posted By: rwbuck
Views: 0 Replies: 0 Had a major hail storm hit last month. Insurance adjuster has given me a scope of work and afirst check.As it is too latein the day to talk to my agent, I have a question for the fatwallet community. Some of the items they covered, I don't care to replace. Such as themetal roof on the wood shed. No one can seethe hail dings on the roof and it doesn't leak. The adjuster put a replacement cost of the roof at $84,depreciationof $3 andan actual cash value of $81. IfI don't replace the roof, what do I need to do. Do I need to return the $81 they included in the original check? I have other items that I don't want to replace... such as a garage door. They already gave me 1/2 the $800 replacement costs. The hail dings blend in well with all the basketball dings that were already there and if I replace the door it will just get marked up again. Not sure what is proper procedure. Thank you.
g: 4 Posted By: Mr0ffic3r
Views: 275 Replies: 5 Expecting lots of red, and its OK. My name is Mr0ffic3r and I was a deadbeat, I admit it. College and the whole being invisible in your 20s got the best of me. For the record, I am no longer a dead-beat. You guys (FWF) have put me on the right side of the road. As you will read below, I tried to make this right. But sometimes 'right' is not the correct thing to do for my family.

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

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

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

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

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

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

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

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

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


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


To the Obligatory 'Pay Your Bills Deadbeat' posts I see in my future... is 'I Tried/Wanted To' an acceptable response?
Personal Finance Deals
Need advice on auto repair work
Added on : Tuesday June 17th 2014 11:00:07 AM
g: 0 Posted By: MikeDaddy
Views: 194 Replies: 9 EDIT: 2007, not 2001

I had some auto repair done back in 2007 and paid a shop about $2600 to do the work, which included replacing a bumper and real quarter panel and painting it all. A year or so ago, the drip molding (strip that runs between the top of the car and windows along the car) started coming off. I did not know it at the time, but instead of clipping it back into place like they were supposed to, the shop somehow glued it back, and the glue has now deterioratyed and now looks bad. In addition, the paint that was used on the area replaced has now begun cracking and fading really bad. I contacted the repair shop with pictures, but their response is:

1. It was over 5 years ago.
2. I should have been waxing my car every 3 months in FL (nevermind that the other paint on the car is just fine....from 2001).

They have offered to cover about half of the repair, which would still leave me with a bill around $400. I do not think this is fair; I paid for work that turned out to be shoddy. You can clearly see where the Body Shop stopped painting the area above my windows and the factory painting begins. No amount of waxing would have done a thing with the paint that was put on.

I do not think I should pay anything for this to be fixed, but what is my recourse? File a complaint with the BBB? Small claims court? Suck it up?

If this were fading consistent with normal wear and tear, I would not take issue, but it appears to me (as well as the mechanic that I took my car to) that this work was shoddy and defective (paint). Any advice would be helpful.

Pictures:

https://drive.google.com/file/d/0BzKONpMA0nEAaVZqdWJIVGVWWlVaRGdzMzFXUTRTM256d0s0/edit?usp=sharing

https://drive.google.com/file/d/0BzKONpMA0nEAR0hSUkNCbHlla1JXZDc1WDB1Qno2a0ZwRmU0/edit?usp=sharing

https://drive.google.com/file/d/0BzKONpMA0nEAbmFENUdDSTlpVGJPbmQxOUpyWmNCUGZ1YjNV/edit?usp=sharing

https://drive.google.com/file/d/0BzKONpMA0nEAVlhEVHVDdkVpY0tVbTI1WTdvN1k4THd2QkRJ/edit?usp=sharing

https://drive.google.com/file/d/0BzKONpMA0nEATng5SXVNQmtoV1VWTGJpUWxiVXVjNGg4RW4w/edit?usp=sharing

https://drive.google.com/file/d/0BzKONpMA0nEAaHhXcFRUOUlQbjJFaDlJWFU4S201NEFXZDJR/edit?usp=sharing

https://drive.google.com/file/d/0BzKONpMA0nEAMm9WTHpjM1ViaVZablpVOVZfTWhNQWppRXVj/edit?usp=sharing





Personal Finance Deals
Toshiba 3TB HDD $99.99 @ MicroCenter $5.99 shipping or free pickup
Added on : Tuesday June 17th 2014 10:00:05 AM
g: 0 Posted By: BloodyInsane
Views: 209 Replies: 0 Linky

Toshiba PH3300U 3TB Drive, $99.99 at MicroCenter.

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

Normal Prices:
$129.99 @ Newegg
$110.99 @ Amazon
Hard Drives Deals
g: 0 Posted By: remick
Views: 45 Replies: 0 http://www.amazon.com/gp/product/B00L18UY1A

Feng Shui is the ancient Chinese art of designing your surroundings to influence your health, success and happiness. This is just as important in the garden as it is in the home or office. If you want your garden to provide what you want whether it is space for mediation or a place to entertain friends Feng Shui will help achieve it.

Garden Feng Shui examines the following aspects of this fascinating subject:
-The principles of Feng Shui
- Feng Shui remedies in the garden
-The shape and layout of the garden
-Functional and decorative garden buildings
-Water features
-Seats and ornaments
-Plants to fit in with the Feng Shui of your garden

Create harmony and happiness in your garden with this simple, clear guide.

Feng shui is the ancient Chinese art of designing your surroundings to influence your health, success and happiness. It is a way of being in control of your own life; taking action to change the things you are not satisfied with, and capitalizing on the aspects of your life which you like.

Today, many people have learnt to practice Feng Shui in their homes by rearranging their living space and furniture, redecorating, changing the use of certain rooms and so on. But Feng Shui is every bit as important in the garden as it is indoors. It is no good having a perfect house if your garden is an overgrown mess. If you want every aspect of your life to benefit from good Feng Shui, you must use Feng Shui in every part of your property.

Improve Your Life and Your Garden

Not only will good Feng Shui in the garden bring you benefits in your life in general, it will also have the more specific - but also important - advantage of improving your garden as a place to spend your time. The principles of good Feng Shui are a good set of principles for garden design, too. A good Feng Shui garden is also an attractive and pleasant garden for whatever purpose you want: for meditating, for entertaining friends, for your children to play safely, or simply for relaxing.

The principle behind Feng Shui is that positive cosmic energy, or ch'i, needs to flow smoothly and freely through its surroundings in order to create harmony. This book explains how to improve the flow of ch'i in your own garden. We will look at all the features which go to make up a garden, and consider how each can be used or adapted to maximize good Feng Shui. These features will include:

- the shape of the garden
- entrances and boundaries
- light and shade
- flower beds, lawns, paths and patios
- garden buildings
- water features
- seats and arbours
- statues and ornaments
- plants in the garden.


You will see from this list that although plants are, of course, important in the garden, there are all sorts of other features which matter too. It is perfectly possible to have a garden with virtually no plants in it - especially if you have only a small space - and this does not mean that it cannot have good Feng Shui. The flow of ch'i is certainly affected by plants, but it is just as strongly influenced by paths or buildings, open spaces or brightly colored ornaments.
Totally Free Deals
Chex Systems Blacklisting Gets New York's Attention
Added on : Tuesday June 17th 2014 01:00:05 AM
g: 0 Posted By: NEDeals
Views: 51 Replies: 0 Will Chex Systems be reigned in? The New York Times has an interesting article. Some excerpts:

"On Monday, New Yorks attorney general will become the first government authority to take aim at how banks use the databases, according to people briefed on the matter, who spoke on the condition of anonymity. The attorney generals office is expected to announce that Capital One has agreed to fundamentally change the way it uses the largest database, ChexSystems, barring only customers who land in the database for fraud."

"The deal stems from a broader investigation by the attorney general, Eric Schneiderman, into how the nations largest banks use the databases.As part of that inquiry, he requested more information from six banks, including Bank of America, Capital One and JPMorgan, sending letters that expressed concern that banks might be improperly denying or otherwise restricting banking access to New York consumers, according to copies reviewed by The New York Times."

"Other regulators are starting to examine the role these databases play in restricting access to the banking system. The Consumer Financial Protection Bureau is also monitoring banks use of specialty consumer reporting agencies, a spokeswoman, Moira Vahey, said."

"But the New York attorney generals investigation showed that even people who had overdrawn their account, or bounced a single check, were routinely excluded, according to people briefed on the matter. When Capital One began examining its own use of the databases after being contacted by the attorney general, it realized that the disqualifications were too broad, the people said."

Article: dealbook.nytimes.com/2014/06/15/bank-account-screening-tool-is-scrutinized-as-excessive/
General Economics Deals
g: 0 Posted By: ctgolfer
Views: 135 Replies: 0 Specifications:
Sensor:Sony 16 Mega Pixels, 1/2.3 inch CCD
Zoom:Optical: 24x
Digital: Up to 4x(Preview) / Up to 8x(Playback)
Lens:f = 4.5 (W) ~ 108 (T) mm
F= 3.0 (W) ~ 6.9 (T)
(f = 25~600mm, 35mm equivalent)
Focus Range:Normal: W=10cm ~ Infinity ; T=40cm ~ Infinity
Macro: Wide: 10cm~50cm ; Tele: 40cm~80cm
Super Macro: 2cm ~ 50cm
LCD:3 LCD 460k pixels
Image Resolution:16M / 3:2 (14M) / 16:9 (12M) / 10M / 5M / 3M / VGA
Movie Mode:HD 720p (1280 x 720) / VGA (640 x 480) 30 fps,
Continuous recording with sound
Shutter Speed:Auto 1/2000 ~ 1/2 sec.
White Balance:Auto White Balance / Daylight / Cloudy / Shade / Fluorescent_1 / Fluorescent_2 / Tungsten / Custom
Exposure:2.0 ~ +2.0 EV (0.3EV / step)
ISO:Auto / 64 / 100 / 200 / 400 / 800 / 1600
Flash:Auto Flash, Forced Off, Forced On, Red-eye Reduction
Drive Mode:10 sec. / 2 sec. / x3 / Off
Power Source:CIPA approx 145 shots based on bundle Li-ion battery
Storage Type:Built-in Approx. 13.6MB
SD (Up to 4GB) / SDHC (Up to 32GB) / SDXC (Up to 64GB)
File Format:still Image: JPEG (EXIF 2.3 compatible)
DCF compatible; Video: MJPEG; Audio: WAV
Interface:Digital output: USB 2.0 compatible
Dimensions:4.21" x 2.7" x 0.87"
Weight:7.76 oz (w/o battery & SD card)


In the box:

BenQ
LH500 16MP High-Power Digital Camera with 24x Optical Zoom
USB Cable
USB Adapter
Software & UM CD
Li-ion Battery Pack

http://electronics.woot.com/offers/benq-16mp-high-power-digital-...
Daily Deals

woot! Coupons
Rammed my rental truck into a bridge, need play tips for the game
Added on : Monday June 16th 2014 02:00:08 PM
g: 0 Posted By: mail6234
Views: 50 Replies: 2 Sooooo....

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

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

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

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

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

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

Also obligatory I AM AN IDIOT
New User Question Deals
$30 eBay MasterCard Credit - BEWARE!
Added on : Monday June 16th 2014 12:00:08 PM
g: 0 Posted By: COBBCITY
Views: 131 Replies: 3 Hi,

I found threads on this topic, but all were archived from a year ago so I think I need to start a new one and ask for feedback.

For reasons that escape logic to me now, I saw an offer for a $30 statement credit when you open an eBay MasterCard every time I signed into my Paypal account. I finally caved. There was something on eBay I was about to buy and since every other credit card offer I have done gave me my promised credit promptly, I thought "What the heck, it will be $30 off my purchase". WRONG!

I got my first statement in early May, no credit. Not pleased, but I had a feeling it may take two cycles. I called anyway on May 8th and was told clearly that it could take "up to two billing cycles" so to give it another. Of course, that meant I was going to have to pay my balance in full, not get the $30 right away and just need to use the credit later.

Well, later has happened. One more statement has cut and no credit. Today, I finally get to call (there is no way to e-mail customer service online) and I get a gentlemen who tells me...

1. The offer I am part of end June 30, 2014.
2. Credits are only issued 1 to 2 billing cycles AFTER THE OFFER END FOR ALL. Not 1-2 billing cycles after you open the account as I was told.

I explained that this was not at all what I was told. He actually agreed many customer had not known this. He then directed me to a web page that said the very same thing and I am POSITIVE this did not come up when I applied as I PDF each page of a credit card offer when I apply (I know, OCD) and this isn't on the pages I received when applying.

http://pages.ebay.com/creditcard/

So it seems I not only have to wait until the end of June for the offer to end, but THEN it could be September (two more cycles) before I see my $30. Ugh!

I have gotten $200 bonuses from Citibankmonthsfaster! I should have known.This card is handled by GE Bankand I have always had problems with them in the past (they handle the Gap, Inc. and Amazon Store Cards.) So between eBay and GE BankI should have known one of them was goingto make you wait until gray hard sprouted for the darn $30.

I hope I don't have to call back again but this is nuts. Anyone else have this problem? I also post this in case anyone spots this offer before June30. Be warned it willbe a while before you see your Monday. Ugh!


Deal Deals
g: 0 Posted By: ctgolfer
Views: 158 Replies: 0 Lossless audio for crystal clear wireless sound
Shatterproof UFP adjustable headband
Hybrid wireless/wired design use the included wireless transmitter or the included 3.5mm headphone cable
50 Wireless range
40mm Drivers w/ 16-bit digital sound
Allows you to sync up to four pairs of headphones to a single source
On-board controls with bass boost
Supple leather memory foam ear cushions and over-ear design
Gold-plated connector
Rechargeable lithium ion battery with 17 hour battery life
Includes SYNC by 50 Wireless Over-Ear Headphones, wired mic cable, 3.5mm wireless transmitter, hard-shell carry case, Micro USB charging cable, USB/AC adapter, airplane plug adapter, soft touch cleaning cloth, owner's manual, warranty
Available in shadow black or ghost white
Brand: SMS
Model: SMSWSBLK, SMSWSWHT
Condition: New
Warranty: 1 Year
Packaging: Retail

http://1sale.com/electronics/audio-gaming/sync-by-50/
Headphones & Speakers Deals

1Sale.com Coupons
Cardpool has 20% off JCPenney Gift Cards.
Added on : Sunday June 15th 2014 06:00:07 PM
g: 0 Posted By: rmi65700
Views: 78 Replies: 0 Linky: http://www.cardpool.com/buy/jcpenney-gift-cards

I have used Cardpool several times. Never had any problems.
Problem loading BB at Walmart?
Added on : Sunday June 15th 2014 01:00:26 PM
g: 0 Posted By: bargainhunter3
Views: 110 Replies: 7 Did search. Couldnt find this.
went to WalMart today to load my BB $500. When I went to swipe my vanilla visa. It came back as a credit instead of a debit. Tried on two different registers and still the same result. Never had this problem before. Is this something new? I double checked the balance on vanilla visa. I just did one last week. Same WalMart and bought visa at the same cvs. Could it be a problem with walmarts system?
Credit Deals
g: 0 Posted By: mjkane1
Views: 168 Replies: 0 Just came from my local Bevmo (Murrieta, CA), where they had the following on sale for $69.99 (from $89.99).

http://www.bevmo.com/Shop/ProductDetail.aspx/Spirits/Vodka/Crystal-Head-Vodka/Crystal-Head-Rolling-Stones/39887

Next to the display was a stack of $30 off MIR coupons for this item from the Manufacturer, bringing the final price down to $39.99. This was a nice set that includes a Rolling Stones double-CD, and a nice Rolling Stones logo etched bottle stopper. Not being a huge Stones fan, I passed but wanted to share this with the group Not sure if every Bevmo will have the coupons readily available, so might be a YMMV?
Grocery Deals
g: 0 Posted By: Rookie555
Views: 122 Replies: 0 I have been looking for an Invicta deal for a while. This is the best I could come up with. I have owned these watches and completely love them. I have never had one fail. I can't find a better price on this anywhere, and don't forget CB!

Linky: Invicta
Watches Deals
sportsauthority.com E-Z Up Veranda 144 Instant Shelter $119
Added on : Sunday June 15th 2014 07:00:03 AM
g: 0 Posted By: DaysFan
Views: 86 Replies: 0 $179.99 $119.99 You Save $60.00 or 33%
Item # 33601896 E-Z Up Veranda 144 Instant Shelter $119
http://www.sportsauthority.com/product/index.jsp?productId=33601896No backyard is complete without a great place to entertain family and friends! This International E-Z-UP Veranda instant canopy is designed with an attractive two-tone top that offers 144 sq ft of shade; matching leg skirts complete the coordinated look. Slanted, adjustable legs promise a variety of height options for all of your outdoor needs.Features

Open cathedral ceiling for more headroom
Two-tone top with matching leg skirts
Dark brown powder-coated steel frame
Slanted, adjustable legs for multiple height options
Includes stake kit and carry bag
Meets CPAI-84 fire-resistance requirements
Provides 144 sq ft of shaded area
Dimensions: 12' x 12'
Maximum Headroom: 74.8"
Maximum Peak Height: 117.3"
Item Weight: 37 lbs
1-year manufacturer's warranty
Made in China
Chuck E. Cheese: Free Tokens For Reading! with pizza purchase
Added on : Sunday June 15th 2014 03:00:05 AM
g: 0 Posted By: puggle
Views: 173 Replies: 1 Chuck E. Cheese's was founded by Nolan Bushnell (founder of Atari & Pong), in May 1977. The first Chuck E. Cheese's was located on Winchester Boulevard, in San Jose, California. The concept for Chuck E. Cheese's evolved from Mr. Bushnell's belief that there were not enough places where young people could go to play video games that had a family atmosphere.In 1984 the parent company to Chuck E. Cheese's, Pizza Time Theatre Inc. was purchased by their direct competitor at the time Showbiz Pizza. A few years later it was decided to change the Target audience to focus specifically on families with young kids. Both the Chuck E. Cheese's and ShowBiz names continued to be used until 1992, when Chuck E. Cheese's Pizza became the name for all of the restaurants.Today, their mission is simple, bring families together in a wholesome environment for fun, games and kids. Chuck E. Cheese's consists of over 500 entertainment centers in 48 states and 6 countries.Print and redeem the certificate and get 10 free tokens for summer reading. No more than 1 of any free token offer can be used per child, per day. Only at participating locations. Pizza purchase is required.Offer expires 12/31/14.
http://www.swaggrabber.com/freebies-all/chuck-e-cheese-free-toke...
Food & Grocery Deals
Poolvergnuegen Suction Side Swimming Pool Vacuum, $290 shipped
Added on : Saturday June 14th 2014 08:00:05 PM
g: -1 Posted By: microsoftissuck
Views: 148 Replies: 0 This is a very highly rated pool vac. Very dependable and well built. I had a navigator, baracuda mx8, kreepy krauly and it's the best by far. It's $378 on Amazon link

cleaner$320.99
use code: worldcup14 for $30 off


Home & Garden Deals

Amazon Coupons
Chuck E. Cheese: Free Tokens For Reading!
Added on : Saturday June 14th 2014 07:00:12 PM
g: 0 Posted By: puggle
Views: 43 Replies: 0 Chuck E. Cheese's was founded by Nolan Bushnell (founder of Atari & Pong), in May 1977. The first Chuck E. Cheese's was located on Winchester Boulevard, in San Jose, California. The concept for Chuck E. Cheese's evolved from Mr. Bushnell's belief that there were not enough places where young people could go to play video games that had a family atmosphere.In 1984 the parent company to Chuck E. Cheese's, Pizza Time Theatre Inc. was purchased by their direct competitor at the time Showbiz Pizza. A few years later it was decided to change the Target audience to focus specifically on families with young kids. Both the Chuck E. Cheese's and ShowBiz names continued to be used until 1992, when Chuck E. Cheese's Pizza became the name for all of the restaurants.Today, their mission is simple, bring families together in a wholesome environment for fun, games and kids. Chuck E. Cheese's consists of over 500 entertainment centers in 48 states and 6 countries.Print and redeem the certificate and get 10 free tokens for summer reading. No more than 1 of any free token offer can be used per child, per day. Only at participating locations. Pizza purchase is required.Offer expires 12/31/14.
http://www.swaggrabber.com/freebies-all/chuck-e-cheese-free-toke...
Food & Grocery Deals
Martin DX1AE Acoustic/Electric $399 at Guitar Center
Added on : Saturday June 14th 2014 02:00:05 PM
g: 1 Posted By: HDCowboy
Views: 175 Replies: 0 http://www.guitarcenter.com/Martin-X-Series-X1-D-Custom-Dreadnou...

Seems their is a mix up in the ad as it states its an acoustic but the model number listed is DX1AE which is an acoustic/electric. Pretty good deal for an Acoustic/Electric Martin even if it is a made in Mexico X Series. Had to argue with the manager to get it for that price but even the tag on same guitar on the wall was $399. Checked out the reviews on the net before I bought it and they were all pretty good. Might not be the fancy high end Martin your looking for but as I'm still learning to play anyhow it was a good deal for me and always wanted a Martin guitar! If you want one might want to grab it now as its probably part of their Fathers Day sale.
Music Deals

Guitar Center Coupons
Using one card to pay off another
Added on : Saturday June 14th 2014 09:00:06 AM
g: -1 Posted By: walt27
Views: 90 Replies: 2 Both of my daughters - 25 and 26 - got themselves in a pickle w credit cards despite my warnings. I shared this video w them because it had some good advice on how to use one credit card to pay off another. Hopefully you won't need to share it w your kids!
Credit Deals
Home Equity Line (HECL) TIAA CREF, TIAA Direct
Added on : Saturday June 14th 2014 05:00:07 AM
g: 0 Posted By: Senorpobre
Views: 14 Replies: 0 Wondering if anyone else has had a similar problem issue. We went through the entire HECL process and everything was fine only to find out four to five weeks later that they would not open the line as the funds "were being used for a structural change to the property and not just a remodel". We were told that we could take the family to Tahiti, but that increasing the value of their collateral in this waywas out of the question.

Our project is to add one bathroom and a three car garage to our existing home.

Even after seeking some form of an exception they said this was not possible. Anyone else have a similar problem or issue? Is it just TIAA?

Seems to defy logic and all common sense.
g: 0 Posted By: tedhawkins
Views: 115 Replies: 0 BBE Blacksmith Distortion With 3-Band EQ Guitar Effects Pedal $39.99 FS @ MF

http://www.musiciansfriend.com/stupid

Product Description

The Blacksmith analog distortion is all about force-feeding your tube amp for a heavier, chunkier distortion. The concept was developed by Paul Gagon in the 1980s when he worked at Jackson Guitars. Back then, Gagon created pickups, amps and electronics for Jackson instruments and routinely worked with an A-list of artists, from Jeff Beck to Steve Vai and many more. What he found was many of the artists loved the sound of their Marshalls, but wanted more grind out of them. Their amps may have gone to eleven, but these guys often told Gagon they wanted them to go to fifteen or twenty.

Paul already had created many boost and distortion circuits, but ultimately, what he wanted to make a pedal for artists that would go beyond what a boost pedal could do while maintaining that classic Marshall tonal balance but on steroids. The solution was brilliant: a distortion generation circuit feeding a 3-band passive EQ derived from a 69 Plexi (a Plexi Tone Stack). The EQ allows you dial it in to suit the characteristics of a particular tube amp, a practical feature because some Marshalls were dark while others were bright sounding. Of course, the EQ is also great for style: want a killer shred tone? Scoop those mids and crank the lows and highs.

Blacksmith is inspired by those pedals Gagon handmade back in the 80s, delivering all the tone he brought to the rock gods but with greater consistency and durability. Blacksmith features 1% metal-film resistors, big fat signal traces on a mil-spec circuit board, true hardwire bypass to eliminate any pickup loading when disengaged, and a 1mOhm input resistance to welcome your axes signal with wide open arms just like the input on a killer Marshall.

The Blacksmith isnt just for Marshalls, however. Gagons design works beautifully with a variety of other quality tube amps, from Mesa to Fender. When youre looking for a top-shelf distortion pedal thats as musical as your amp, get your hands on a Blacksmith.
Features

Gain, volume and passive 3-band PLEX-EQ controls
LED-based gain circuit for smooth, high-output distortion
1mOhms input impedance for proper pickup loading
1kOhms output impedance when engaged
1% metal-film resistors for consistency
High-voltage poly caps for better tone
Military-spec circuit board for reliability
Blue status LED for high visibility and low power consumption
Easy access battery compartment


Music Deals

Musician's Friend Coupons
g: 0 Posted By: st4rdust
Views: 115 Replies: 0 MacGameStore hasCivilization V: The Complete Edition(PC/Mac/Linux Digital Download) on sale for$12.49. This is advertised for the Mac, but it uses Steamplay so it will run on PCs or on Linux just fine

Activates via Steam.

Includes:

Civilization V
Gods and Kings
Brave New World
Babylon (Nebuchadnezzar II)
Civilization and Scenario Pack: Denmark - The Vikings
Double Civilization and Scenario Pack: Spain and Inca
Cradle of Civilization - Mediterranean
Cradle of Civilization - Asia
Cradle of Civilization - Americas
Cradle of Civilization - Mesopotamia
Civilization and Scenario Pack: Polynesia
Civilization and Scenario Pack: Korea
Wonders of the Ancient World Scenario Pack
Scrambled Continents Map Pack
Scrambled Nations Map Pack
Explorers Map Pack

Video Games Deals
LG - 21.5" IPS LED HD Monitor $129.99 w/FS @ Best Buy
Added on : Friday June 13th 2014 07:00:03 PM
g: 0 Posted By: ctgolfer
Views: 97 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
Need help maximizing Nerf/Quaker chewy coupon
Added on : Friday June 13th 2014 07:00:13 AM
g: 0 Posted By: timx
Views: 183 Replies: 0 WalMart had some tear pads on the Quaker Chewy display (for those that don't know, these are kind of a granola bars for kids). My kids eat these anyway so any bonus is a free bonus for me. Coupon says $5 off any Nerf item ($9 or more) when you buy 1 Quaker chewy 20-24 count box or 2 Quaker chewy 10-14 count boxes. Doesn't appear to be limited if you have more than one coupon, I think any Nerf buy one/ get one 50% off sale would be in play as long as its over $9... exp 6/30.. I'm not even sure what forum I should be posting this in, as it really isn't a "hot deal" more like a call for help... Figure its gotta be a store that sells both, ie WalMart, Target, Kmart, etc...
Discussion Deals
Shelter Logic 10 ft. x 20 ft. Max AP Canopy $99.99 w/FS @ Kmart
Added on : Friday June 13th 2014 06:00:04 AM
g: 0 Posted By: ctgolfer
Views: 115 Replies: 0 The 6 Leg Outdoor Shade Canopy in White can be set up by two people in less than two hours, so you can spend more time enjoying the shade. The valanced cover attaches to the frame with ease using bungee cord fasteners, making it a great for camping trips, commercial job sites, or a temporary picnic area for your next pool party or backyard event.

ShelterLogic White Canopy is easy to setup
Heavy-duty 1-3/8 inch diameter all-steel frame
Dupont thermoset baked on powder-coated finish prevents chipping, peeling, rust and corrosion
Wide foot plates on every leg ensure easy access to secure anchor points
Fitted, fully valanced polyethylene cover
100% waterproof with advanced engineered, triple-layer and rip stop fabric features
UV treated inside and out with added fade blockers, anti-aging and anti-fungal agents
Includes 10- by 20-foot canopy, steel frame, SL bungee cords, 6 foot plates and temporary spike anchors

www.kmart.com/shc/s/p_10151_10104_082W076663611001P
Home & Garden Deals

Kmart.com Coupons
Credit Card data compromised at PF Chang's
Added on : Friday June 13th 2014 05:00:11 AM
g: 0 Posted By: ach1199
Views: 37 Replies: 1 http://www.chicagotribune.com/business/breaking/chi-pf-changs-customer-credit-card-information-stolen-20140613,0,5326132.story
Tribune staff report 8:08 a.m. CDT, June 13, 2014 P.F. Chang's China Bistro said Friday morning that customer credit and debit cared information had been hacked, confirming a report out earlier this week. The company said it is not sure how many customers were affected, but has issued the security notice after concluding its data had been compromised. P.F. Changs said it has asked the U.S. Secret Service and a third-party vendor for help in determining the scope of the breech."Because we are still in the preliminary stages of our investigation, we encourage our guests to be vigilant about checking their credit card and bank statements," the company said in on its website Friday. "We sincerely regret the inconvenience and concern this may cause for our guests."The restaurants will take manual imprints of credit cards, common before electronic swiping, while its investigation continuesThe company has created a website, pfchangs.com/security, for customers to receive updates and answers to their questions.




Credit Deals
g: 0 Posted By: ctgolfer
Views: 94 Replies: 0 The United States Mint Silver Eagle $1 coin, is the world's best selling and most highly collected bullion coin. These are fresh coins from a U.S. Mint roll that have not been picked over and will be shipped securely in individual plastic sleeves known as flips.
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-5-2014-1-Troy-Oz-999-Fine-Silver-America...
RC & Hobbies Deals

eBay Coupons
W2 shows incorrect Employer HSA contirbutions - Should I care?
Added on : Friday June 13th 2014 04:00:07 AM
g: 0 Posted By: fungo45
Views: 134 Replies: 2 My previous employer, whom I left 9/2013, had a HDHP with a HSA. They contributed $1,500 to my HSA, though I just noticed on my W2 that it shows $2,300. After further review, the $2,300 was actually what I contributed. A quick search online shows that employer contributions to an HSA is not taxed as income to the employee. Therefore, I don't think there is any benefit to going through the hassle of getting an amended W2 from a company I no longer work at and then filing an amended tax return. But I'm sure I'm missing something.
Any insight?

Thanks
g: 0 Posted By: Mitchimo
Views: 186 Replies: 0 A friend of mine told me about this great deal! The price used to be over $60, but, when I saw it drop to $29.98, I had to order it.

It said that it came with:

Smart USB Wall Charger Comes with adapter for EU/UK/US
2X Supremacy Series Samsung S5 Batteries 2800mAh NFC Enabled
This battery is specifically designed for Samsung Galaxy S5 andfully supportsall versions
Users manual/warranty information
30-Day money back guarantee & a 24 month warranty



Brand Name: Volutz

You can simultaneously extend your battery life by charging one and using one. When your battery dies in your phone, simply replace it with a fresh one, and so on.Here are the details:

http://www.amazon.com/Samsung-Galaxy-S5-Replacement-Simoultanously/dp/B00KF2TFRC/ie=UTF8?m=A1EI6YVL2N6B9D&keywords=Samsung+galaxy+s5+battery&tag=volutz-20

Launch promotion: Limited to 1 unit per Customer
To claim offer use promotion code: GLRPDUP8

*Limited to 1 unit per customer

* As good as the original - same battery cells as the originalSamsungbattery
* NFC capable
*Will hold charge as if its first time use 5 months later - this can't be said about generic brands that will die or even harm your device. Even after a couple of weeks they will not hold a charge for long.

Batteries & Chargers Deals

Amazon Coupons
g: 0 Posted By: ShoppingChick
Views: 109 Replies: 0 JCPenney is offering $10 Off $25+ in-store only onselect original, regular, sale and clearance-priced apparel, shoes, accessories, fine jewelry and home purchases. Also get an extra10% Off select original, regular, sale and clearance-priced purchases of watches, furniture, mattresses and custom blinds and shades.

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

JCPenney Coupons
Heated/Nightlight Brondell Toilet Seat $74 @ Home Depot
Added on : Thursday June 12th 2014 06:00:07 AM
g: 0 Posted By: HTuttle
Views: 79 Replies: 0 Gawhead make your jokes. This seat is a definite must have. Both the elongated and round models in WHITE are on sale for $74. I got one the last time they had them on sale and I couldn't live without it now.

They usually go for around $100 or more. The heated feature is the essential part, but it's got a nightlight (blue LED) and a gentle close feature as well.

Brondell Heated Toilet Seat @ Home Depot
Home & Garden Deals

Home Depot Coupons
g: 0 Posted By: wisegremlin
Views: 74 Replies: 0 Amazon just had a price drop and has The Hobbit: The Desolation of Smaug (Special Edition) (DVD + UltraViolet Combo Pack) (2014) for just $9.99. I know the price drop just happened based on the price history chart at BuyerNinja. The price was $19.99 just recently, and based on the price history chart it looks very likely it will pop back up again soon, so act fast or you will lose this deal. I'm not kidding.
g: 0 Posted By: jskins
Views: 0 Replies: 0 Kichler 1648 Brushed Nickel Traditional/Classic 4-Light Down Lighting Chandelier - $41.00 with Free Shipping at eBay w/ BuildStore.

72" adjustable chain
White shade color
Compatible with Medium (E26) 100W bulbs


Killzone: Shadow Fall (PS4) - $29.99, FSSS or Prime @ Amazon
Added on : Wednesday June 11th 2014 01:00:06 PM
g: 0 Posted By: wisegremlin
Views: 0 Replies: 0 Amazon has Killzone: Shadow Fall (PS4) for $29.99. This is a historic low according to the price history chart at BuyerNinja, that has only happened once before. The last time it happened, the price jumped up over $20 within what appears to be just hours. This time, the price has been going down more gradually, so this might be a more stable low price. Still, I wouldn't be surprised if the price pops back up to $36 or more at any moment.

While this isn't the highest rated game in the world, there are still limited games available for the PS4 at this point. So, if you are ready for a new PS4 game and want to get one that isn't going to break the bank, this might be a good choice.
Front Desk Atlantic City Upgrades SUCCESS
Added on : Wednesday June 11th 2014 10:00:21 AM
g: 0 Posted By: acetrainer
Views: 34 Replies: 1 Gave the gentleman at the Tropicanadesk $20 upon checking in and asked if he could see is way to upgrade my room as I was there for my anniversary. Got moved up to an ocean view two room suite instead of the smaller parking lot view we had originally been assigned.
Hotel Deals
Thoughts on how much coverage for uninsured drivers
Added on : Wednesday June 11th 2014 07:00:31 AM
g: 0 Posted By: CPAESQ
Views: 24 Replies: 0 I was adding an umbrella policy, and I had to up my auto insurance from 100/300 to 150/500 (something like that)

However, I was looking at the uninsured / underinsured driver section of my policy and it was 25/50 This seemed a bit light

I doubled it to 50/100 I could go higher.. but wanted to see what the group thinks
Personal Finance Deals
g: 0 Posted By: remick
Views: 106 Replies: 0 http://www.amazon.com/gp/product/B00AKBIJ16
4.7 out of 5 stars (21 customer reviews)

Using Photoshop, Photomatix and Topaz Adjust, Blake Rudis, creator of the award winning blog Everyday HDR, walks you through the wonderful world of High Dynamic Range photography. There are many methods that are discussed in Exploring HDR from the typical multiple exposure tone mapped HDR image to the single Raw file technique. Blake gives away many of his secrets in this book with 6 different HDR techniques, 9 HDR post processing techniques, over 130 detailed pictures, and bonus content in every Chapter.

Blake knows the importance of post processing your HDR images and has included several detailed post processing techniques. These techniques include adding depth to your tone mapped photo, combating chromatic aberrations, HDR specific noise reduction and so much more! If you are looking for a highly detailed, tutorial based HDR book, Exploring HDR is the one for you!

Key Highlights of Exploring HDR:

*Designed for Beginner to Advanced skill levels
*Bonus Content in every chapter
*Downloadable files to follow along with the tutorials on select Chapters
*Step by step tutorials to help you better your HDR photography



The DSLR Survival Guide: A Beginner's Guide to Surviving Digital SLR Photography
http://www.amazon.com/DSLR-Survival-Guide-Beginners-Photography-...
Did you recently buy a new DSLR camera, but have no clue how to use it?
Have you owned a DSLR camera for quite some time and still find yourself shooting in Auto Mode?
Do you find yourself scratching your head at all of the terms in your Owner's Manual?
If you answered yes to any of these questions, the DSLR Survival Guide is the beginner's book for you. Blake discusses everything DSLR related to help you breakdown that awful communication barrier between you and the language of your DSLR camera. Follow along with the information in this guide and you will be producing better photographs in no time! For less than the cost of a fast food meal you can be learning about your DSLR camera!

Photo Composition
Aperture
Shutter Speed
ISO
Camera Modes
Image File Formats (RAW, JPEG)
Lighting and Light Sources
Lenses and Lens Selection


A Beginners Guide To DSLR Photography - How To Create Stunning Digital Photography Like A Pro
http://www.amazon.com/Beginners-Guide-DSLR-Photography-Stunning-...

So you just got that new DSLR camera or you are planning on getting one shortly. Maybe photography has always been a small passion of yours and you finally want to take the leap and start taking amazing photographs using a DSLR camera. Where do you even begin when you get one? What are the basics you should know before you attempt to get started? Taking one peak at the owners manual might get your head to start spinning.

Dont worry because we have you covered. We will cover important things like exposure, flash, shutter speed, and aperture to name a few. We will also give you great tips and guidance and even debunk some common photography myths. We will also cover some important questions to ask yourself while you are shooting that will help you start to think like a professional photographer. You are one your way to starting a new hobby that is very exciting and rewarding. We want you to be able to feel comfortable and confident with your DSLR camera so step inside this guide to get started today!



Photo Mastery - Shadows, Form And Texture
http://www.amazon.com/Photo-Mastery-Shadows-Texture-Training-ebo...

Although photography is all about light...it's actually the shadows that define form and textures!

When you get tired of flat, boring, 2d photos and want to have lifelike images that pop off the page, this Volume of the "On Target Photo Training" course is the answer!

Here is a copy of the table of contents to show a little of what is covered...

Introduction
Light Makes Shadow
Color Temperature - Kelvin Scale
Light Meters
Reflected Light Meter
Problems With Reflected Light
Incident Light Meter
Ambient Light
Ambient Light Qualities
Shadows From Hard Ambient Light
Soft Ambient Light Shadows
The Main/Key Light
Planning The Shadow
Squinting
Raccoon Eyes
Do You HATE Those Pesky Shadows?
Shadows Define Form And Texture
The Fill Light
Learning Photography Lighting Techniques!
Photo Exercise
Photo Exercise 2
Fixing Problem Areas
Shadow Lighting Patterns
Split Light
Loop Light
Butterfly Light
Texture Requires Shadow!
Glare
Photo Exercise 3
Additional Photo Training

We spend a lot of time discussing light and various qualities of light - to get a better understanding of shadows!

Ambient Light: This is the light we will be using the most. Here we thoroughly cover what is is and how to work with it! Once we know how to control the light, we can control the shadows that define our shapes and textures.

The Main/Key Light: Before you can learn to master the shadows, you need to understand the light that is making them! Each light source whether it is ambient light or studio light (or both) creates it's own set of shadows. And it's own set of problems and opportunities!

Shadows: The shape, position and depth of the shadows - and your mastery of them - is what will turn your photos from dull lifeless "pictures" into something you will be proud to not only put on the wall...but you will be proud to sign them too!

The Fill Light: Here is the key to controlling the depth of your shadows and bringing emotion into your art.

Fixing Problem Areas With (Or Without) Shadows: Every face and every scene has flaws that you can "fix" in your camera. Every subject you shoot wants and deserves to look like a million bucks! It's your job as a photographer to make that happen.

Glare: Glare in glasses can easily ruin a photo. Plus it's incredibly difficult to "fix" in Photoshop. Fixing it in camera is really easy once you know how.

You are closer than you think to creating truly amazing photographs that will be the envy of your friends and family!



11 Things Every Photographer Should Know About HDR Photography
http://www.amazon.com/gp/product/B00EJZD9BE/

HDR photography can be pretty complicated and if you go into it without knowing what you are doing, you are in for some trouble! "11 Things Every Photographer Should Know About HDR Photography" is something every photographer should read prior to jumping into the world of HDR photography. Blake Rudis has been teaching HDR photography techniques for over 3 years and knows how to make HDR images that pop off the page!

What you will receive from reading "11 Things..." :

- A better understanding of the HDR process and how to create an HDR image using several different techniques.
- A considerable amount of knowledge about file formats used during the HDR process.
- A plethora of examples as to what you should and should not be HDR'ing!
- A worthy understanding of HDR tone mapping software and how to use it to make better HDR images through the bonus content provided.
- A guide to post processing HDR images that outlines what to look out for after the image has been tone mapped to make it look its absolute best!


Books & Magazines Deals
g: 0 Posted By: respdoc
Views: 59 Replies: 0 This is for people with Kindles (Special Offer Editions) only. Offer can only be had from Kindle.
This one is a little more difficult than normal since you need to add the ASIN number manually on your Kindle: B0041OLI66

Below link is forreference only:

Relic Men's Mark Traveler Wallet--

http://www.amazon.com/gp/product/B0041OLI66/[/l
Clothing Deals

Amazon Coupons
g: 0 Posted By: oxygenmm
Views: 155 Replies: 0 I was at Winn Dixie and noticed all k-cups marked down to $4.99 with winn dixie rewards card.

I saw starbucks, Gevalia, green mountain and more. Boxes had anywhere from 10-18 cups per box. YMMV - Ends today. As low as .277 cents per k-cup if your box has 18 kcups.

http://winndixie.mywebgrocer.com/CircularMain.aspx?s=323998082&g...
Grocery Deals
Homeowner's Insurance - ACV versus Replacement Cost - experiences?
Added on : Tuesday June 10th 2014 09:00:13 AM
g: 0 Posted By: solarUS
Views: 98 Replies: 2 I am looking to get some new HO policies for some rental property and the broker is offering 2 types - Actual Cash Value (ACV) where the adjusters will depreciate everything, and Replacement Cost - where, yknow, you get the replacement cost. I was wondering if any members have some anecdotal evidence of ACV being really undesirable, because for these houses, the cost savings are significant. I am getting substantial deductibles (10K) on them, because i have no intention of filing claimsfor any piddly amounts - this is strictly catastrophic coverage - fire, tree fall, tornado, whatever. (flood is separate)

So, has anyone had to fight an insurer to get a reasonable claim payment for an ACV policy? In my head, i see them essentially doing an appraisal of the house after the fact, or if only partial damage, then estimating value based on whatever data they have available....but i'm just spitballing.
Personal Finance Deals
Need Small Claims Court advice
Added on : Tuesday June 10th 2014 08:00:33 AM
g: 0 Posted By: a1963
Views: 170 Replies: 6 Summary:
Found a Deck builder on Craigslist
Paid $800 advance as he needed to get supplies
No work done/ lot of excuses/ canceled the work/ no money back/ been few months now

I know I messed up in paying money in advance. I am regular finance forum user/very careful about such matters, (created new alt-id) and I am not sure how I had a lapse in judgement that day.

All I have is a handwritten agreement to do the work and the advance paid.It has a company name & Rural Texas county address.

Found recent reviews online with others having similar experiences with him.

Need advice on next steps. Worth pursuing in small claims court? Thanks for reading.

Personal Finance Deals
g: 0 Posted By: Niarlan
Views: 60 Replies: 0 Ordered more coffee today from Staples, I saw the 24 packs of the coffee's I normally get were running the 10.99 for the 2+ orders. I was also able to combine the 20% all coffee orders coupon: 14096 20% off coffee

I had to use the chat feature to have the CS rep apply the coupon for the K-cups since they never seem to be coded for either breakroom or coffee but for 4 packs of Nantucket blend came to:

Normal - 4 x 12.99 = 51.96
2+ deal - 4 x 10.99 = 43.96 - 20% = 35.17

With coffee prices rumored to be increasing this year it's a good time to stock up. !


cut/paste list from old thread of the item numbers for the 24 packs.

Not sure if all of these are still available though.
Item 707194 Green Mountain Colombian Fair Trade Select Coffee, Regular, 24 Pack
Item 707195 Green Mountain French Roast Coffee, Regular, 24 Pack
Item 707196 Green Mountain Breakfast Blend Coffee, Regular, 24 Pack
Item 707197 Green Mountain French Vanilla Coffee, Regular, 24 Pack
Item 707198 Green Mountain Dark Magic Extra Bold Coffee, Regular, 24 Pack
Item 707199 Green Mountain Vermont Country Blend Decaf Coffee, Decaffeinated, 24 Pack
Item 719424 Green Mountain Caramel Vanilla Cream Coffee, Regular, 24 Pack
Item 719434 Green Mountain Breakfast Blend Decaf Coffee, Decaffeinated, 24 Pack
Item 719614 Green Mountain Hazelnut Coffee, Regular, 24 Pack
Item 848985 Green Mountain Donut House Chocolate Glazed Donut Coffee, Regular, 24 Pack
Item 719421 Green Mountain Sumatran Reserve Extra Bold Coffee, Regular, 24 Pack
Item 707201 Green Mountain Kenyan AA Extra Bold Coffee. 24/Pack
Item 719413 Green Mountain Nantucket Blend Coffee, Regular, 24 Pack
Item 719416 Green Mountain Southern Pecan, 24/Pack
Item 719417 Green Mountain Lake & Lodge, 24/Pack
Item 719425 Green Mountain Mocha Nut Fudge, 24/Pack
Item 719429 Green Mountain French Vanilla Decaf Coffee, Decaffeinated, 24 Pack
Item 719432 Green Mountain Newman's Own Special Blend Decaf Coffee,Decaffeinated, 24 Pack
Item 737170 Green Mountain Double Black Diamond, Regular, 24 Pack
Item 737172 Green Mountain Dark Magic Extra Bold Decaf Coffee, Decaffeinated , 24 Pack
Item 737176 Green Mountain Half-Caff Coffee , 24/Pack
Item 848905 Green Mountain Donut House, 24 Pack
Item 719430 Green Mountain Wild Mountain Blueberry Coffee, Regular, 24/Pack
Item 737185 Green Mountain Decaf Variety, Decaffeinated , 22/Pack
Item 325405 Green Mountain Revv Coffee, Regular, 22/Pack
Item 719412 Green Mountain Our Blend Coffee, Regular, 24 Pack
Item 719418 Green Mountain Vermont Country Blend Coffee, Regular, 24 Pack
Item 325915 Green Mountain Donut House Cinnamon Roll, Regular, 24/Pack
Item 737188 Green Mountain Gingerbread Coffee, Regular, 24/Pack
Item 737186 Green Mountain Fair Trade Spicy Eggnog Coffee, Regular, 24 Pack
Item 719465 Green Mountain Regular Coffee Variety Sampler, 22 Pack
Item 719469 Green Mountain Flavored Coffee Variety Sampler, Regular, 22 Pack
Item 773084 Celestial Seasonings Tea Variety Sampler, 22/Pack
Item 735181 Celestial Seasonings India Chai Spice Tea, K-Cups, 24/Pack
Item 719463 Celestial Seasonings Mandarin Orange Spice Tea, K-Cups, 24/Pack
Item 719456 Celestial Seasonings Lemon Zinger Tea,Decaffeinated, 24/Pack
Item 719454 Celestial Seasonings English Breakfast Tea, Regular, 24 Pack
Item 719458 Celestial Seasonings Authentic Green Tea, Regular, 24 Pack
Item 848988 Celestial Seasonings Sweet Lemon Iced Tea, 24 Pack
Item 870357 Celestial Seasonings Sweet Peach Iced Tea, 24/Pack
Item 870366 Celestial Seasonings Sleepytime Herbal Tea, 24/Pack
Item 735167 Celestial Seasonings Green Tea , Decaffeinated, 24/Pack
Item 848898 Tully's Italian Roast Extra Bold Coffee, Regular, 24 Pack
Item 848899 Tully's French Roast Extra Bold Coffee, Regular, 24 Pack
Item 870351 Tully's House Blend Decaf Coffee,Decaffeinated , 24/Pack
Item 325406 Tully's House Blend Extra Bold Coffee, Regular, 24/Pack
Item 325407 Tully's Breakfast Blend Extra Bold Coffee, Regular, 24/Pack
Item 325408 Tully's French Roast Extra Bold Decaf Coffee, Decaffeinated , 24/Pack
Item 369299 Tully's Coffee House Collection, Regular, 22/Pack
Item 719616 Newman's Own Organics Special Blend Extra Bold Coffee, Regular, 24 Pack

Item 801949 Caribou Coffee Caribou Blend Coffee, Regular, 24/ Pack
Item 801950 Caribou Coffee Colombia Coffee, Regular, 24/Pack
Item 801953 Caribou Coffee Caribou Blend Coffee, Decaf, 24 Pack
Item 801954 Caribou Coffee Daybreak Morning Blend, 24 Pack
Item 325417 Coffee People Original Donut Shop Coffee, Regular, 24/Pack
Item 325416 Coffee People Jet Fuel, Regular, 24/Pack
Item 635787 Gloria Jean's Butter Toffee Coffee, Regular, 24 Pack
Item 635790 Gloria Jean's French Vanilla Supreme Coffee, Regular, 24/Pack
Item 635792 Gloria Jean's Hazelnut Coffee, Regular, 24 Pack
Item 635794 Gloria Jean's Mudslide Coffee, Regular, 24 Pack
Item 848574 Cafe Escapes Dark Chocolate Hot Cocoa, 24/Pack
Item 848993 Cafe Escapes Milk Chocolate Hot Cocoa, 24/Pack
Grocery Deals

Staples Coupons
g: 1 Posted By: libralibra
Views: 182 Replies: 1 see http://www.cinemark.com/discounts-discount-day . Not sure how long they've had this, but I just found out about it last Tue when I went to see a movie.

My local theater is $6.50. Seems smaller theaters are as low as $5.00. Applies to all movies, even movies released the previous weekend, except for XD/IMAX (and3d surcharge still applies)
Restaurants & Entertainment Deals
Inherited/will inherit nearly half a million, what to do?
Added on : Monday June 09th 2014 05:00:12 PM
g: 4 Posted By: echpirate
Views: 2974 Replies: 53 Hey everyone,

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

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

Thank you!
Investing Deals
Health insurance issue
Added on : Monday June 09th 2014 12:00:15 PM
g: 0 Posted By: soonerbrink
Views: 78 Replies: 1 Anyone had to pay more because of two insurance plans?

I have two insurance plans. Primary paid the plan amount. Secondary insurance said the primary insurance paid more than the plan allowance of secondary so secondary didn't pay anything. Secondary also told me I don't owe anything because the primary paid over secondary max allowance.

I keep getting bills and I call and tell them I don't owe anything and refer them to the secondary insurance companies comments.

When I called the secondary insurance comapny this time they put me on hold while they called the provider. Secondary insurance came back and said I owe 700 dollars that I was billed because that's how it works in this state."

I asked, "So if I would have dropped the other insurance and quit paying the premium on the other insurance I would owe nothing, but because I paid the premium now I owe 700 dollars." The response was "Yes, that's how it works."

What makes it more ironic is if I only had one insurance, the provider would get paid 500 and I would be out of pocket nothing.
Because we have the other insurance, the provider gets 2000, and now they want me to pay 700.

Thought I would ask for advice before I spend hours reading the fine print of the policies.

Thanks for your comments!
Question Deals
g: 0 Posted By: chadecoen
Views: 204 Replies: 0 There are several roll around bottom tool boxes, tool storage, and carts available for very reasonable:

http://www.homedepot.com/SpecialBuy/SpecialBuyOfTheDay?cm_mmc=hd...

I personally needed a bottom box to replace an old junker and chose this one:

http://www.homedepot.com/p/Husky-46-in-9-Drawer-Mobile-Workbench...

Tools Deals

Home Depot Coupons
Health Insurance - HSA vs Non-HSA
Added on : Monday June 09th 2014 08:00:14 AM
g: 0 Posted By: tinsun289
Views: 37 Replies: 1 Hello..I would appreciate some advice on the health insurance plans for myself. I am little confused as which plan to prefer. Any suggestions are greatly appreciated. Here is my scenario.

My employer used to have regular PPO plan with high premium ($270) and low deductible ($500). He now says that due to Obama care the price has changed for this plan, the premium is now $350 with $500 deductible. Max out of pocket for this is $2250 annually with 10% coinsurance for most of them.

He is saying he has introduced a new Low premium ($285) with high deductible($1500) which is eligible for HSA account which is pre-tax contribution. Max out of pocket for this is $6350 annually with 20% coinsurance for most of them.

As for my doctor visits go, I visit once in 2-3 months. This year I had to get xrays and some physical therapy sessions. Other than that I usually get physicals done once a year.


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

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

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

Thank you!
Investing Deals
14 x 12 screen house for $59.99 + free store pickup @ kmart.com
Added on : Monday June 09th 2014 03:00:03 AM
g: 1 Posted By: Deals4mykids
Views: 71 Replies: 0 Save $60 and free store pickup

A 14 x 12 screen house is a perfect addition to a backyard or a campsite. The roomy screenhouse has plenty of interior space to move around and is accessible through two zippered doors, allowing access on both sides. While your guests are awaiting their barbecue dinner, they can relax comfortably. The vented roof allows plenty of air to enter the screenhouse, so it stays ventilated. Enjoy a cool and mosquito free outing in your al fresco apce.

http://www.kmart.com/shc/s/p_10151_10104_089W005659889001P

The Northwest Territory 14 x 12 Screenhouse provides shade for outdoor get-togethers
Up to 132 square feet of interior room
Interior is over 7 feet high in the center, roomy enough for your tallest guests
Guy ropes and stakes hold the screenhouse in place
Polyester carry bag included for easy transportation to the camp site
Steel frame and fiberglass poles provide stability
Home & Garden Deals

Kmart.com Coupons
Northwest Territory 10 ft. Screenhouse $37.99 in-store @ Kmart
Added on : Monday June 09th 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 100 Replies: 0 Go on an excursion with a 10ft x 10ft screen house. The screen house features a 82in center height with 1 "I-style" door.
10 ft. x 10 ft. overall size
100 sq. ft. shade area
Pre-attached guy ropes
Carry Bag

www.kmart.com/northwest-territory-10-ft-screenhouse/p-089W005743...
Sports & Outdoors Deals

Kmart.com Coupons
g: 1 Posted By: st4rdust
Views: 620 Replies: 0 B&H Photo has theX-Rite ColorChecker Passportfor$59.00with free shipping.

4.7/5 stars based on 398 customer reviews. Includes creative enhancement Target, classic Target, white Target, protective pocket-sized case and camera calibration software.

Also positively reviewed hereon Amazon, where this is currently $99.00.

In-Camera White Balancing
Visual Color Controls
Fully Supports the RAW Workflow
Maintain Consistent Color Between Cameras and Lenses
DNG Profiling for RAW Shooters
Multiple Targets in One
Robust Plastic Case
Note that the ColorChecker Passport is not compatible with Hasselblad cameras





"With three photographic targets, theColorChecker PassportfromX-Ritelets you ease your workflow in a variety of ways. A creative enhancement Target allows one-click warming and cooling, and easy evaluation of shadow details. The classic Target is the standard 24 patch for creating DNG profiles. The white balance Target allows for a consistent white point for a series of images, saving the need to correct each one later in your work flow.A protective case keeps your targets safe from damage, and has a built-in stand so you can situate the targets to adjust for any scene. The included software lets you easily build DNG profiles, and profile adjustments can be applied to hundreds of images, allowing hours of manual changes to be completed in a few minutes."
Cameras Deals

B&H Photo & Video Coupons
X-Rite ColorChecker Passport - $59.00 + FS @ BH Photo
Added on : Sunday June 08th 2014 08:00:02 PM
g: 1 Posted By: st4rdust
Views: 182 Replies: 0 B&H Photo has theX-Rite ColorChecker Passportfor$59.00with free shipping.

4.7/5 stars based on 398 customer reviews.

Also positively reviewed hereon Amazon, where this is currently $99.00.

In-Camera White Balancing
Visual Color Controls
Fully Supports the RAW Workflow
Maintain Consistent Color Between Cameras and Lenses
DNG Profiling for RAW Shooters
Multiple Targets in One
Robust Plastic Case
Note that the ColorChecker Passport is not compatible with Hasselblad cameras





"With three photographic targets, theColorChecker PassportfromX-Ritelets you ease your workflow in a variety of ways. A creative enhancement Target allows one-click warming and cooling, and easy evaluation of shadow details. The classic Target is the standard 24 patch for creating DNG profiles. The white balance Target allows for a consistent white point for a series of images, saving the need to correct each one later in your work flow.A protective case keeps your targets safe from damage, and has a built-in stand so you can situate the targets to adjust for any scene. The included software lets you easily build DNG profiles, and profile adjustments can be applied to hundreds of images, allowing hours of manual changes to be completed in a few minutes."
Cameras Deals

B&H Photo & Video Coupons
Mazda3 2014 private party
Added on : Sunday June 08th 2014 07:00:08 PM
g: 0 Posted By: sultansana
Views: 142 Replies: 5 Wanted to get FWF opinion on this. I was looking at a mazda 3 2013 itouring at a dealership. I was looking for an OTD price of max $16200 +taxes. Dealer had it listed at $18000. He didn't budge so I walked. Price on their website is down to $16800. I still have about 2 months before I need a car so I am waiting. According to cargurus this is a fair-good deal. Car has 42miles on it.

I now have come across a private party deal on a mazda 3 2014 isport with 450miles on it. The person who bought it has passed away (not in the car) and the daughter (sorry no pictures) is selling it. She listed a price for $17700. I offered $16500, we are settling around $17000. Dealer trade-in-value for this car is $15000. Fair purchase is $18000 and per carguru anything less than 17300 is a good deal. Car has 2.5 years on the warranty left and I believe transferable, title is clean.

Three questions:
1) Would you go for the private deal or wait out the dealer deal till I get the price I want
2) Carfax is clean, would you still have a mechanic check this out?
3) Will I still have taxes to pay, even though this car was bought in Jan (state is MA)

Discussion Deals
Staples Bait & Switch...i7 Dell for $349.90
Added on : Sunday June 08th 2014 03:00:07 PM
g: 0 Posted By: JRedleg
Views: 5 Replies: 0 Todays Staple ad had a touchscreen Dell with Intel i7 laptop with 8gb Ram and 1TB hard drive listed for $349.90 on page 3. And a Toshiba with Intel i3 on the center of the front cover, also for $349.90 after rebate.

I called one store in Central NJ shortly after the store opened and they did not have either in stock. I got to another store 1/2 hour after it opened and the staff was shocked at the Dell's i7 price. They did not have either computer in stock nor did 5 nearby stores.

and no, the web site also had them sold out.

I know there's a clause about not all stores having them, but before you get excited about a Staples ad, remember that they do not supply their stores with sale items.
Zyxel CDA30360 for Time Warner and Cox $44.99
Added on : Sunday June 08th 2014 02:00:05 PM
g: -2 Posted By: deeder
Views: 181 Replies: 1 Zyxel CDA30360 is still on sale through Groupon for $44.99. They also had the model for Comcast for the same price which retails for less and I believe it was less channels bonded together.

I bought one for $44.99 because Time Warner started to charge me a $5.99 fee for modem lease on an RCA DCM425 modem. Was looking for a sale and just happened to find this Groupon offer so after 9 months the fee is fully paid back for standard tier and I will get 50Mbps on it. The newer 16x4 modems up to 300Mbps should be out soon but the most I can see myself ever getting from Time Warner is 50mbps for a long time and even if they upgrade for free to 100Mbps perhaps down the road I can swap out the modem anytime. Also free returns from Groupon as well but I am not sure how long it is up to.

Excellent deal for people paying Modem lease fees who aren't going to be on the highest speed tiers which represents the vast majority of people.


Modems Deals

Groupon Coupons
g: 0 Posted By: EscapeVelocity
Views: 274 Replies: 2 Linky

See Price during Checkout

Free In Store Pickup

If you bought these onsale at $349 and $449 in the last couple of weeks, be sure to get your buyer's protection low price guarantee refund.

Better PQ than any LCD in the same size range. With it's good 45ms input lag time and excellent motion resolution, it makes a great gaming set too.

Excellent Black Levels circa 0.003 cd/m2
Great Peak Brightness for Plasma
Excellent ANSI Contrast Ratio
Excellent Shadow Detail (Gradiations of Black)
Superb Colors
Emissive Phosphor Glow Display
Full Assortment of Advanced Calibration Controls for dialing in the Picture Quality (greyscale, colors primary and secondary, gamma, etc).
Low Input Lag 45ms

No AR coatings
Only 2 HDMI
No 3D
No Smart Apps/Internet WiFi

43" = 1024x768
Plasma TV Deals

Best Buy Coupons
25% Off $50+ Purchase w/ FS @ Smashbox
Added on : Sunday June 08th 2014 12:00:03 PM
g: 0 Posted By: hellokitty27
Views: 233 Replies: 0 Smashbox is offering 25% off orders $50+w/ coupon code RMNSBX25. Free shipping and free samples for all US orders.

Favorites:
Be Legendary Lipstick - $20.00
Photo Op Eyeshadow Trio - $28.00
Camera Ready BB Cream with SPF 35 - $39.00

Beauty Deals
Your Choice: Beltronics Pro Radar Detector $159.99$239.99 @ Woot
Added on : Saturday June 07th 2014 10:00:03 PM
g: 0 Posted By: ctgolfer
Views: 104 Replies: 0 shipping adds $5


If you are as serious about safety as you are about driving, then you need the Professional Series RX65, an advanced radar, laser and safety detector. The RX65 is a breeze to use, and boasts extreme sensitivity to all Radar and Laser bands with over 10 times the range of other detectors.

Superior Detection
The RX65 includes full X, K, SuperWide Ka, and Safety Warning System radar capability, front and rear laser detection, Beltronics' patented Mute and AutoMute, audible and visual band alerts, and all the performance you'd expect from Beltronics. Digital signal processing (DSP) gives you superior long-range ability, along with reduced false alarms. The AutoScan mode can virtually eliminate those false alarms, and provides both Highway and City settings.

The RX65 also features Shadow Technology making it immune to VG-2 radar detector detection, meaning law enforcement can't detect your radar detector, keeping you one step ahead.

Ease of Use
The rugged RX65 gives you control right at your fingertips using the included SmartPlug power cord. Patented Mute and AutoMute technology on the cord allows you to quickly silence alerts. Advanced programming lets you customize several features, and programmable bands let you set the device for your region, including International and North American settings.

Installation is a snap: use the quick release mount to attach it to your vehicle's windshield, and remove it in a snap. Don't want to leave it in your vehicle? No problem, Beltronics includes a travel case to keep it secure while you're on foot.

Ultra-Bright LED Display
Don't miss a visual alert with the RX65's 280-LED display. Exclusive threat display tracks and displays multiple radar signals, including signal strength. Tech Display provides actual numeric radar frequency for any radar signal. You can also view Safety Warning System (SWS) messages about upcoming hazards, construction and more.

How Safety Radar Works
Safety Warning System, or SWS, uses a modified K-band radar signal to alert users of Highway Construction or Maintenance, Highway Hazard Zone Advisories, Weather Related Hazards, Travel Information/Convenience, and Fast/Slow Moving Vehicles. The SWS safety radar system has 64 possible messages (60 currently allocated), all of which can be displayed on your RX65.



Pro GX65 Radar Detector

The Beltronics Professional Series GX65 delivers the best long-range warning on all radar bands including X, K, Superwide Ka, Ku, and instant-on POP. Multiple front and rear laser sensors provide 360-degree laser protection, including the widest field of view. The Beltronics Pro GX65's GPS-powered technology provides permanent relief from false alarms, including automatic door openers, motion sensors, and other radar-based sensors. And, it comes preloaded with thousands of red light and fixed position speed camera locations throughout North America.

Superior Detection
The GX65 delivers the best long-range warning on all radar bands including X, K, Superwide Ka, Ku, and instant-on POP. Multiple front and rear laser sensors provide 360-degree laser protection, including the widest field of view. A revolutionary AutoScan mode provides real-time radar performance based on vehicle speed, plus Highway and AutoNoX settings.
In addition, the new Safety Camera Database provides warning for thousands of locations throughout North America, and web-ready access allows you to update your safety camera data and other software through Beltronics' website.

Excellent Functionality
The GX65's 280-LED text-matrix display gives you easy-to-read messages and visual alerts to match the crystal-clear voice alerts. Simple user programming lets you instantly set several features. Use the optional SmartPlug for instant Mute and AlertLock access.

Installation is a breeze as well. Just use the quick release mount to attach it to your vehicle's windshield, and remove it in a snap. The included travel case lets you pack it up and take it anywhere.

BRT Dark (Full Dark Mode)
In this mode, the display will not show any visual alerts when the GX65 detects signals. Only the audible alert will tell you of detected signals.

Mark Location (MRK)
The "MRK" button allows you to mark a specific location and label it for future reference. Once marked, the GX65 will provide an alert with an arrow indicating the direction of the location when you reach this area again. This can be extremely useful for known speed traps or camera locations that you'd like to remember.

Speed Check
The GX65's Speed Check feature provides a visual indication of your vehicle speed during the first few seconds of an alert. This allows you to instantly check your speed without looking at your speedometer. Speed Check is displayed regardless of your meter setting.

New Variable Speed Sensitivity also provides real-time radar protection based on your vehicle's speed.

Display Safety Radar Messages
Safety Warning System (SWS) uses a modified K-band radar signal to alert users of Highway Construction or Maintenance, Highway Hazard Zone Advisories, Weather Related Hazards, Travel Information/Convenience, and Fast/Slow Moving Vehicles. The SWS has 64 possible messages (60 currently allocated), all of which can be displayed on your RX55's LED display.

http://sellout.woot.com/offers/your-choice-beltronics-pro-radar-...
Electronics Deals

woot! Coupons
g: 0 Posted By: bpvh
Views: 109 Replies: 0 Office Depot / OfficeMax rebate software for the week of 06/08/2014 (3 McAfee titles)


McAfee Internet Security for 3 PCs
$7.99 After $12 Instant & $50 Mail-In Savings Visa Prepaid Card
In Store Price $57.99
OD 101-324 \ OM 2416-3101


McAfee Total Protection
$7.99 After $12 Instant & $40 Mail-In Savings Visa Prepaid Card
Save $52
In Store Price $47.99
OD 106-292 \ OM 2416-3085


McAfee Total Protection For 3 PCs
$12.99 After $15 Instant & $52 Mail-In Savings Visa Prepaid Card
Save $67
In Store Price $64.99
OD 106-319 \ OM 2416-3094


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

OfficeMax Coupons
ON SALE: Christian Lacroix - Flamenco Patch Red Wool Blend Wrap
Added on : Saturday June 07th 2014 09:00:05 AM
Images of Spain immortalized on this Flamenco Patch Red Wool Blend Wrap by Christian Lacroix. Made of a soft wool and silk blend in muted shades. Made in Italy.
ON SALE: Forzieri - Green Hooded Leather Jacket
Added on : Saturday June 07th 2014 09:00:05 AM
Make a fashion statement with this expertly crafted leather jacket in a delightful shade of green. Complete with hood, front zipper and two toggle details, this lightly padded and lined jacket will provide style and warmth to your wardrobe. Elasticized wrist and waist details in tone-on-tone color. Made in Italy
ON SALE: Givenchy - Star, Chain & Diamond Print Twill Silk Wrap
Added on : Saturday June 07th 2014 09:00:05 AM
100% pink silk scarf featuring a delicate floral pattern in stronger pink hues and shades of green to give a very feminine touch to any outfit. Corners embellished with four gold stars. Designer signature within print. Made in Italy. Envelope included.
ON SALE: Loriblu - Anthracite Leather Pump
Added on : Saturday June 07th 2014 09:00:05 AM
Anthracite, vintage-feel shaded calfskin leather slip-on pumps with covered stiletto heel and pointed toe. Featuring an embossed tonal pattern at the heel and around the front. Leather lining and sole. Made in Italy.
ON SALE: Moschino - Black and Red Heart Print Silk Square Scarf
Added on : Saturday June 07th 2014 09:00:05 AM
For anyone who ever had a heart, this sweet Heart Print Square Scarf by Moschino will melt hearts with a silky touch. Featuring a bi color weave of little hearts in a row. Finished edge. Made in Italy.
ON SALE: Pineider - Small - Women»s Nappa Leather Shoulder Bag
Added on : Saturday June 07th 2014 09:00:05 AM
Non classical shapes, small dimensions and lightness, well adapted to a modern and sinuous design define the Small collection. Realized in full grain nappa calfskin leather with Italian leather bridles and tanned with vegetable extracts, the finishing touch is given by the waxing and brushing applied to this leather, a classical technique of the shoe world, used in order to add smoothness and shades of colours to the materials. Dust bag included. Made in Italy.
Reminiscent of postcards of days gone by, the Wish You Were Here Silk Scarf by Vivienne Westwood details the famous sights of London. Made of viscose and silk, the double layer creates warmth with autumn shades to keep you cozy against the chill. Made in Italy.
New Personal Finance Software Gauging Interest
Added on : Saturday June 07th 2014 08:00:09 AM
g: 0 Posted By: samiam68
Views: 137 Replies: 3 I have been using Quicken since the 1990s, the latest version being 98. That is correct Quicken 98 is the last version that I consider useful, well put together, and actually "quick". Every version since has become more bloated, less useful, buggier, and slower.

Even though I cannot get online updates from financial institutions for transactions, bill pay, or stock quotes, I find the tool indispensable and cannot see organizing my financial life without it. I enter all transactions manually, which actually helps me weed out any errors during reconciliation. I have caught a number of mistakes by banks over the years using this method.

I currently have about 40 active accounts, over 50 archived accounts, have never truncated yearly data, and the program handles tens of thousands of transactions almost 20 years worth - with ease.

However, I had to do some hacking with the actual EXE files and font files to get this program to work properly in Windows 7, and I cannot get it to behave well in Windows 8 at all. I wont even get into how I got the 16-bit installer to work in a 64-bit OS.

I have tried replacing it with MS-Money, AceMoney, Moneydance, Grisbi, YNAB, GNU-Cash, and a recent version of Quicken, only to be greatly disappointed with all of these products. I will not get into the details, but all of these programs either lack features, have too many useless features, have horrible user interfaces, are slow, are buggy, or are not able to import historical data in QIF format.

Im an experienced developer and have been toying with the idea of writing my own Personal Finance program. However, this would be significant enough of an effort that I would like to capitalize on it and actually make some money for my troubles. I am reaching out to the FWF folks to see if there is any interest in a new Finance Software and the features that would be desired.

These are the features that are important to me:
- Ability to run on current and future versions of Windows.
- High strength encryption for data file(s).
- Ability to split all income/expense transactions into multiple categories.
- Ability to track stock portfolios with easy ways to see annualized returns.
- Ability to handle stock splits, spinoffs, return of capital, margin interest, and other advanced transactions.
- Ability to record loan payments with automatic amortization.
- Ability to track rewards points and airline miles.
- Some basic built-in financial calculators.
- Yearly budgeting with auto-create feature and weekly/monthly/quarterly views.
- Scheduled transactions with reminders.
- Ability to handle many years of data without having to do year-end truncations.
- Easy/automatic backups.
- Automatic recovery in case of data corruption.
- Customizable reports and graphs.
- Comprehensive import of QIF files.
- Comprehensive export of all data to Excel or Access.
- Very fast execution / performance. I mean everything should be nearly instantaneous.
- No sunset policy on anything.

Features that I may consider implementing:
- Cross-platform compatibility Linux, Mac.
- Automatic updates of stock prices.
- Online connector ability to upload encrypted files and access/synchronize using a secure web application.
- Online backup.
- Portable app for iOS, Android, and Windows Phone (in conjunction with an online connector).

Features I am not considering:
- Automatic transaction download from financial institutions this is extremely tedious and complex to implement.
- Advertising no way!
- Marketing of add-on products.
- Making this open source.

If you have any suggestions for other features, please share.

I would also like to get some feel on whether folks would be interested in purchasing something like this and which price point do you think is fair.

$30 for each new version.
$40 for one version and 3 free upgrades.
$50 for one version and unlimited future upgrades.

Again, this is just a concept at this point, and will likely take about a year to actually build the software if I go forward with it, but your feedback is greatly appreciated.

P.S. Please dont point out that Yodlee and Mint are the way to go. I, and some other folks, do not trust the security of online aggregation services (due to very good reasons).

P.P.S. I know some here will suggest using Excel or equivalent, but I am looking to create a comprehensive and integrated solution with far more capabilities than a spreadsheet could provide.


Discussion Deals
Henry US Survival Rifle .22 LR Black AR-7 $178 - Free Shipping
Added on : Saturday June 07th 2014 08:00:05 AM
g: 1 Posted By: santori1
Views: 94 Replies: 0 Can be foundhere:

Notes:

Yes, I know, it has been posted before. That was over 500 days ago, not the same store, not the same price.
Yes, I know, there are superior products like the Ruger 10/22 takedown, or the Marlin Papoose, but both of those cost more, and do not have the receiver and barrel store in the buttstock.
Yes, I know, that some have had problems with FTF, FTE, etc. Henry Mfg. has a very good customer support dept. I have never had an issue with mine FWIW.
Yes, I know, that even though this is the price and there is free shipping, one would have to pay the FFL for the transfer, and in some states, state sales tax in addition. These additional charges are NOT part of the sales price, thus the title remains.


Keep in mind that this is just a fun little shooter, at a great price.


g: 0 Posted By: remick
Views: 212 Replies: 0 http://www.amazon.com/dp/B006G2YPFW
4.3 out of 5 stars (121 customer reviews)

Rich in Historical Detail, This Is a Romance that Delivers!An unsolved mystery separates ex-privateersman Captain Brogan Talvis from his lost son--his only living relation, his only family. Shortly before her tragic demise, his wife abandoned their infant to strangers, refusing to reveal the child's whereabouts. Now, three years later, Brogan has discovered the boy at the home of a shipbuilder's daughter, Lorena Huntley.Lorena guards a dark secret about her young charge. She finds herself falling for the heroic captain who has come to claim his newly built ship, unaware his motive for wooing her is to befriend the boy he plans on reclaiming as his own--until the day another's evil deceit leaves her helplessly shipbound, heading toward England.As the perfect opportunity to reclaim his son unfolds, Brogan is haunted by thoughts of Lorena in her dire circumstance, and he is forced to make a heartrending choice between his child and the woman who has begun to capture his heart. But only his unselfish sacrifice can win him the greatest prize of all--love.


Matoula's Echo
http://www.amazon.com/Matoulas-Echo-Richard-Romanus-ebook/dp/B00...

In The Tradition Of Corellis Mandolin And Eleni Comes An Epic Historical Fiction Novel Set In Greece. By Richard Romanus, A Nominee For The Writers Guild Of America Award For Best Original Screenplay.

In the hardscrabble villages of northern Greece, strength is the only measure of a girls beauty. But Maria Christina is delicate, nearsighted, unmarried at 17 already a spinster, in a town with few choices and hopeless. Shes overshadowed by Matoula, the nimble, radiant older sister whom she loves but envies. Worse still, she smolders with shameful desire for handsome, worldly Yiannis, Matoulas husband, a doctor from sophisticated Athens.
Its the bitter winter of 1940, war just over the horizon, the Axis Powers massing to invade. All the able-bodied men have gone to defend the border. The women must supply their food and clothing, their bandages and bullets on foot over mountain trails, by starlight, through deep snow. But only those deemed strong may help. Not Maria Christina. For her thats just another humiliation.
Defiantly, she joins Matoula on a supply run. And then her worst nightmare comes true: it is strong, deserving Matoula who dies. Yiannis is left a widower, torn between commitment to the resistance, where his skills are desperately needed, and responsibility for Zoitsa, the young daughter Matsoula bore him.
War rages on against the Italians, then the Germans, and then heartbreaking civil strife among the Greeks themselves. Conflict burns within Maria Christina and Yiannis, too. They are engulfed by passion, separated by duty to country, bonded by common loss and devoured by Maria Christinas guilt at surviving her more beautiful, capable sister.
A vivid epic of calamity and longing, of modernity vanquishing tradition, Matoulas Echo makes just one fragile promise of redemption in the form of Maria Christinas new awakening.


Michal (The Wives of King David Book #1): A Novel
http://www.amazon.com/Michal-Wives-King-David-Book-ebook/dp/B00B...

As the daughter of King Saul, Michal lives a life of privilege--but one that is haunted by her father's unpredictable moods and by competition from her beautiful older sister. When Michal falls for young David, the harpist who plays to calm her father, she has no idea what romance, adventures, and heartache await her.
As readers enter the colorful and unpredictable worlds of King Saul and King David, they will be swept up in this exciting and romantic story. Against the backdrop of opulent palace life, raging war, and desert escapes, Jill Eileen Smith takes her readers on an emotional roller-coaster ride as Michal deals with love, loss, and personal transformation as one of the wives of David. A sweeping tale of passion and drama, readers will love this amazing story.


The Sentinel
http://www.amazon.com/The-Sentinel-Paul-Bourdon-ebook/dp/B007WYG...

The accidental discovery of a decades old murder thrusts a young American diplomat in modern day Berlin into a terrifying race against time to destroy an underground menace that has lain dormant since the closing days of World War II.
An obscure murder in the last days of World War II, a demonic plot that remains shrouded in time... Either through fate, accidental circumstance, or even the hand of God, a horror begins to surface and unfold. But is it too late to change its catastrophic outcome?


Out of the West
http://www.amazon.com/Out-West-Kevin-Sullivan-ebook/dp/B00IX2ECW...

Out of the West is a compelling work of literary fiction, a war novel that explores the challenges of peace. A gripping historical adventure, it paints a portrait of courage and love in the fatal shadow of global conflict that has spilled into the twenty-first century.
Citizens of Nazi-occupied Greece face daily decisions that affect their freedom and their survival. When music teacher Petros intervenes in a dispute between a Greek woman and a German soldier, he and jazz singer Thea are plunged into the brutal world of armed resistance.
Ian Chalmers, a British agent, lands in Northern Greece, where he joins Petros and Theas network. Never fully understanding his Greek collaborators, he forms a deep bond with them.
In Scotland after World War Two, Ian is alienated from everyday life until he meets Clare, an up and coming intelligence officer. Surrounded by opportunity and courted by influential mentors, Ian and Clare learn that integrity has to be fought for in peacetime Britain just as in wartime Europe.
When Ian undertakes a final mission to Greece, now in the full throes of civil war, the weight of ideology and history descends with sudden force on the small town where former friends and enemies confront one another in a terrifying climax.


The Titanic Plan
http://www.amazon.com/The-Titanic-Plan-Michael-Bockman-ebook/dp/...

TRUE:
100 years ago J. Pierpont Morgan and a group of Wall Street bankers took direct control of the American economy.
100 years ago radical firebrands were conspiring to create a workers revolution.
100 years ago the American government was paralyzed by a bitter political struggle.
100 years ago a great ship sank on her maiden voyage.
They said it was an accident. They said it was an error of judgment.
They were wrong.






Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 109 Replies: 0 http://www.amazon.com/gp/product/B00IRMVMTQ/
5.0 out of 5 stars (7 customer reviews)

This is a book for people from 9 to 90 who like surprises. And beauty. My intention is to show the beauty in both nature and mathematics, with some surprising connections that will make you stop and think. With this and future books, I want to foster curiosity, particularly in young people who might now see beyond boring or dull school subjects into a new world of science, physics, engineering, and math.
In this book, Grandpa and his grandchildren embark on an adventure into the fascinating connection between nature and a number called phi (ϕ. Phi is also called the Golden Number, the Golden Ratio, the Golden Section, and the Divine Proportion. It is an irrational number, like pi (π, and its value is approximately 1.618.
One of the interesting facts about phi is its relationship to the famous Fibonacci series and to the beautiful logarithmic spiral, one of the most beautiful shapes in nature. Grandpa and the children find Fibonacci numbers in the numbers of flower petals, the number of spirals on pine cones and pineapples, the shape of seashells, the genealogy of bees, how falcons attack their prey, the shape of soccer balls, and more. From the structure of a carbon crystal, to the spiral one sees in distant galaxies, phi is pervasive throughout nature. And over recorded history, it has had an effect on science, religion, astronomy, mathematics, art, and architecture.
I hope that this book results in a few young people realizing that the wonders of nature and mathematics are worth more exploration and that because of that, our society gains a few good engineers, physicists, and natural scientists.
Totally Free Deals
bareMinerals: 20% Off Friends Family Sale + Free Shipping
Added on : Saturday June 07th 2014 04:00:03 AM
g: 0 Posted By: SieSilverStars
Views: 149 Replies: 0 bareMinerals is offering 20% off for their friends and family sale, with free shipping on top of that.

Linky

Use coupon code WELOVEYOU during checkout for 20% off.

Notable Offers:
Touch Up To-Go (Pictured) - $8.00 After Coupon
Customizable Primer Shadow & High Shine Eyecolor - $16.00 After Coupon


Shop Best Sellers
Shop Last Chance
Shop Makeup
Makeup Deals

bareMinerals Coupons
g: 0 Posted By: ctgolfer
Views: 90 Replies: 0 shipping adds $5

This 2 light Table Lamp from the Auratum collection by Dale Tiffany will enhance your home with a perfect mix of form and function. The features include a Antique Verde finish applied by experts.

Shade: Hand Rolled Art Glass
Material: Resin and Metal
Primary Bulb(s): 2 x 25 watts E12 (not included)

http://home.woot.com/offers/auratum-lily-accent-lamp
Home & Garden Deals

woot! Coupons
g: 0 Posted By: ctgolfer
Views: 78 Replies: 0 shipping adds $5

5-Light Chandelier
Eden Collection
Antique Linen Glass Shades With a Removable Leaf decoration
Transitional Style
Five Medium Base Lamps

http://tools.woot.com/offers/5-light-eden-chandelier-forged-bron...
Home & Garden Deals

woot! Coupons
g: 0 Posted By: ctgolfer
Views: 153 Replies: 0 free shipping on all orders

Save up to 50% on ABEO, ECCO, Thad Stuart & More

www.thewalkingcompany.com/mens-sale
Shoes Deals
Golf Umbrella $4.97 at Home Depot B&M only
Added on : Friday June 06th 2014 05:00:02 PM
g: 0 Posted By: TheGMan
Views: 80 Replies: 0 Firm Grip golf umbrella
http://www.homedepot.com/p/Firm-Grip-Golf-Umbrella-in-All-Black-...
Model # 38124
Store SKU # 1000028814Firm Grip Golf Umbrella offers protection on rainy days. The 60 in. diameter is sure to keep you dry in the rainiest of conditions. The 3.5 in. tip allows the umbrella to fit easily in golf bags.All black color (but my store also had black & white ones)
Straight handle
39 in. tall
Manual openCan order online to pick up in store. While supplies last!!
Refurbished Kindle Fire HD 7", HD Display, Wi-Fi, 8 GB - $59.77
Added on : Friday June 06th 2014 11:00:03 AM
g: 1 Posted By: ShamelesslyThrifty
Views: 313 Replies: 7 Certified Refurbished Kindle Fire HD 7", HD Display, Wi-Fi, 8 GB - Includes Special OffersSold by Amazon Warehouse Deals
Used - Acceptable Condition
No warranty
Please look under "More Buying Choices" and you will see the price and details there (see the attached image for an idea where to click for this price).

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

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

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

Amazon Coupons
g: 0 Posted By: impasse
Views: 97 Replies: 0 got this in the latest email blast; almost makes me wish i hadn't picked it up when it was $3.99!

when you add to your cart, it also adds Star Wars Force Unleashed 2 PCand Venetica PC,each normally $4.99 plus $.99 shipping (and more expensive on amz). might expire 6/12.

link!
Video Games Deals

Newegg Coupons
g: 0 Posted By: ctgolfer
Views: 69 Replies: 0 Canon EOS 60D Digital SLR Camera Body

The Canon 60D is an excellent and a highly recommended High End entery level DSLR.

The canon 60D is made of polycarbonate resin on an aluminum chassis. It is durable and light weight. The new design control bottoms all laid-out on the camera's right side for an easy, one handed operation. Another change is the integrated 8-way joystick with the Quick Control dial. The menus are Easy to use and include clever Subject modes with 'Ambience Selection' (Standard, Vivid, Soft, Warm, Intense, Cool, Brighter, Darker and Monochrome).

The canon 60D uses an 18 Megapixel, 63-zone Dual Layer metering sensor that offers an accurate analysis of color, luminance and focus information and supply very low noise levels. The 60D offers a continuous shooting burst mode of 5.3 frames per second which suffice for nature and extreme sports photography. The DIGIC 4 Processor, captures images in RAW and JPEG and allows Conversion between them.

The 60D High quality 3" display screen folds out and sideways and is very handy for shooting from various angles using the live view function. It is water resistant and has a special coating which prevents visible fingerprints. The screen's resolution is a high 1.040.000 dots that delivers a clear representation even under daylight.

The 60D offers and advanced HD Movie Mode that can shot at 10 ATP. The outcome is crisp and crystal clear. The Camera provides three choices for movie resolution, all recorded as progressive scan video compression: Full HD - 1080p at either 30, 25, or 24 frames per second; (720p) mode; standard 640 x 480 pixel (VGA) mode
The 60D supports SD, SDHC and the new SDXC memory cards.

In all aspects the 60D performs flawlessly and offers an outstanding user experience.


Detailed Specifications:

Imaging
Camera Type: Digital SLR with Interchangeable lenses
Lens Mount: Canon EF, Canon EF-S
Camera Format: Canon APS-C (1.6x Crop Factor)
Max Resolution 17.9MP: 5184 x 3456 @ 3:2
Aspect Ratio: 3:2
Sensor Type / Size: CMOS, 22.3 x 14.9 mm
File Formats: Still Images: JPEG, RAW
Movies: MPEG-4 AVC/H.264, MOV
Memory Card Type: SD, SDHC, SDXC

Focus Control
Focus Type: Auto & Manual
Focus Mode: Single-servo AF (S), Continuous-servo AF (C), Manual Focus (M)
Autofocus Points: 9

Viewfinder/Display
Viewfinder Type: Pentaprism
Viewfinder Coverage: 96%
Viewfinder Magnification: Approx. 0.95x
Diopter Adjustment: - 3.0 to +1.0 m
Display Screen: 3.0" Rear Screen LCD
Screen Coverage: 100%
Live View: Yes

Exposure Control
ISO Sensitivity: 100-6400 (Extended Mode: 100-12800)
Shutter Type: Electronic & Mechanical
Speed: 30 - 1/8000 sec
Remote Control: RS-60E3 & RC-6 (Optional)
Mirror Lock-Up: Yes
Metering Method: Spot metering, Center-weighted average metering, Average metering, Multi-zone metering
Exposure Modes: Modes: AE Lock, Aperture Priority, Auto, Manual, Programmed Auto, Shutter Priority
Compensation: -5 EV to +5 EV (in 0.33 EV steps)
White Balance Modes: Auto, Cloudy, Custom, Daylight, Flash, Fluorescent (White), Kelvin, Preset Manual, Shade, Tungsten

Flash
Flash Modes: Auto
Built-in Flash: Yes
Max Sync Speed: 1 / 250 sec
Flash Compensation: -3 EV to +3 EV (in 0.33 or 0.5 EV steps)
Continuous Shooting: Up to 5.3 fps
Dedicated Flash System: eTTL Remote Firing
External Flash Connection: Hot Shoe

AV Recording
Video Recording: Yes, NTSC/PAL
Exposure Control: Auto: Shutter Speed
Manual: Shutter Speed, Aperture, ISO
Exposure Compensation: -3 EV to +3 EV (in 0.33 EV steps)
Audio Recording: With Video, Stereo

Performance
Start-up Time: 0.1 Seconds
Self Timer: 2 sec, 10 sec
Connectivity: AV Output, HDMI C (Mini), USB 2.0
Wi-Fi Capable (With Optional Transmitter): Yes
Software Requirements Windows: 98, ME, 2000, XP, Vista, 7
Mac: OS X 10.1 or later

Power
Battery: 1x LP-E6 Rechargeable Lithium-Ion Battery Pack, 7.2VDC, 1800mAh
AC Power Adapter: ACK-E6 (Optional)
Operating/Storage Temperature: Storage 32 to 104 F (0 to 40 C) Humidity: 0 - 85%

Physical
Dimensions (WxHxD): 5.69 x 4.17 x 3.09" / 14.45 x 10.59 x 7.85 cm
Weight: 23.8 oz / 675 g


Included items:
Canon EOS 60D 18MP Digital SLR Camera Body
Eyecup EB - Attached to the Camera Body
Wide Strap EW-EOS 60D
USB Interface Cable IFC-130U
Stereo AV Cable AVC-DC400ST
Battery Pack LP-E6
Battery Charger LC-E6
Canon Software

www.ebay.com/itm/Canon-60D-Body-EOS-18-0-MP-Digital-SLR-DSLR-Cam...
g: 0 Posted By: remick
Views: 65 Replies: 0 http://www.amazon.com/gp/product/B00AZOLISO

Book endorsed by the Professional Beauty Association (PBA) and Modern Salon Magazine.

"With the launch of the Ready, Set, Go! Book series,Jeff Grissler has finally created a new benchmark publication geared to helping Salon Owners build and run a profitable salon. Yes, at L'Oreal we want salons to be on the cutting edge with styles and color but more importanly we want them to make money. RSG books series will now give them the tools to get their salons to the next level. Successful salon ownership,happy employees, wonderful families and friends and of all things a healthy retirement! This series of books is a must read for cosmetologists and salon owners who want to grow their business and make money doing it along the way! Great Book!"
If you want to invest in your salons future, staff and build a customer base like no other salon in your area and make the money you deserve, buy "How To Make Big Money at Your Salon" This book is a business and life changer!!
Patrick Parenty
President
L'Oreal Professional Products Division, USA

Every detail to lead you to success
Avoid costly mistakes
Retail success tips from the pros
Gain the financial success others wish they had

Do you have dreams of owning a successful retail beauty salon? Ready, Set, Go! will set you on path that will lead you and your salon to financial success by implementing retail sales strategies into your business.

From concept to design to management
Set up your retail like the pros
Fast track retail sales
Retail sales promotions that work
Sell retail in every salon zone

Sell more retail and develop new and consistent income streams by reading, practicing and perfecting the techniques inside.

About the Authors:

Best selling authors Jeff Grissler and Eric Ryant encourage you to check out their other titles about the salon industry.

Jeff Grissler has been where you are and understands the inner workings of the hair, beauty, and barbering industry and what leads to success as a barbershop owner. As a business owner himself, he understands the business landscape and what owners can expect and guides them to success.

Eric Ryant is a beauty industry entrepreneur with over 30 years of experience in space planning and design for salons and barbershops. No stranger to the industry, Eric spent many years developing new designs and space plans, getting involved in every facet of the industry.
Totally Free Deals
Thief Master Edition PC download from Gamersgate.com $26.50
Added on : Thursday June 05th 2014 04:00:02 PM
g: 0 Posted By: Reots
Views: 98 Replies: 0 http://www.gamersgate.com/DD-THIEF4M/master-thief-edition

note:Steam Code

THIEF: Master Thief Edition includes:

THIEF Game
Digital Art Book
Digital Comic Book
Booster Pack
Digital Soundtrack

Digital Art Book
Get access to the official digital collection of stunning concept art that offers a sneak peek into the shadowy world of Thief.

Digital Comic Book
Delve deeper into the shroud surrounding Thief's obscure world with its complete collection of riveting digital comic books.

Obtain a comic book series exclusive to this limited edition
Get access to all of the comic books in the Thief series
Discover riveting story development that can only be experienced through these comic books


Booster pack
Booster Pack: Get access to an exclusive bundle of optional in-game consumables that can empower you and hasten your progression through Thief.

Opportunist package

Quiver upgrade: increase maximum arrow capacity.
Choke arrows
Poppy flowers
Gold

Digital Soundtrack
A remarkable collection of Thief tracks Garrett, the Master Thief, steps from the shadows into the City. With the Barons Watch spreading a rising tide of fear and oppression, a mysterious sickness grips the streets. Led by Orion, the voice of the people, the citizens rise in bloody revolution.

Garretts thieving skills are all he can trust as he walks the fine line between politics and the people, entangled in layers of conflict. With time running out, the Master Thief unravels a terrible secret from his dark past that ultimately threatens to tear his world apart.

Garrett never paid (Full) price for anything until now

Kinda like a Fatwalleter ;0).

Video Games Deals
Is this idea legal?
Added on : Thursday June 05th 2014 02:00:05 PM
g: 0 Posted By: classicaltutor
Views: 162 Replies: 4 My father had a stroke a month ago. He was the main provider. My mom works 2 jobs, and makes about 1200 a month. He is unable to work for the foreseeable future. My mom needs cash to pay off a high interest loan they have on some property. She has an older car she is willing to "sell" me. The idea is I get a used car loan, and buy the car from her on paper. She keeps the car and makes the payments. Is this legal? I don't have $8,000 to give her, but want to help her and if this is legal, it would be an easy way to do it. She has excellent credit- 820 score as of last week. They are very modest in their finances, always lived paycheck to paycheck, but have always paid their bills. I have no concerns about her paying the loan back.
Thanks for any advice! They have no other collateral to draw $ from.
g: 5 Posted By: RunningMan
Views: 273 Replies: 4 For those who might be interested, this is the lowest price I have found on this rifle, its a great .22 cal plinker, and it looks alot like the Heckler & Koch mp5.

CDNN has been pretty reliable for me, and I have had no trouble with this rifle since I bought it a few years ago, I wanted once since 2009, when butcherboy first posted it here, and the rifle was
around 500 bucks, (old thread) .



http://www.cdnnsports.com/email-specials/gsg-522-light-weight-22...

GSG 552 LINK

Compare to buds and impact prices:

buds

impact



Plus theres a ton of parts on eBay you can get, to mod or upgrade it that are really cheap:

ebay listings for parts

ebay listing for parts

ebay listing for parts




Guns & Ammo Deals
Best Buy DSLR Workshop & Contest
Added on : Thursday June 05th 2014 12:00:11 PM
g: 0 Posted By: erikig
Views: 34 Replies: 0 Best Buy's Camera Experience Shop is offering a free 2 hour hands-on DSLR workshop (no purchase required) for customers in their stores at the locations below:

South East Denver, CO
Alpharetta, GA
Butterfield Rd. IL
Schaumburg, IL
Framingham, MA
Union Square, NY

Wish they had it near me because participants get to enter to win a $1,500 gift card from Best Buy.

Registration:https://bestbuycameraexperienceshop.com/



Totally Free Deals
Butterball Indoor Turkey Fryer @Sears B&M $37.97
Added on : Thursday June 05th 2014 12:00:08 PM
g: 0 Posted By: alohastephen
Views: 28 Replies: 0 Just got back from my local Sears (Honolulu, Pearl Ridge)
On the 3rd floor in appliances they had Butterball Electric Indoor Turkey Fyers marked down from $154.99to $37.97
Not sure if this is just a Hawaii thing.
Aloha!
Appliance Deals
kmart bm thom mcan 24.95-39.95 shoes 19.95
Added on : Thursday June 05th 2014 10:00:02 AM
g: 0 Posted By: jsteveb
Views: 46 Replies: 0 I know I seen this on Fatwallet but can't find it to thank OP. Search for Kmart Thom Mcan no find.

Muncie IN Kmart had good selection and the sale is good thru 6/7. Several tie and loafer shoes in tan and brown.
Shoes Deals

Kmart.com Coupons
tried searching, but how to use Chase CC as a DD?
Added on : Thursday June 05th 2014 06:00:12 AM
g: 0 Posted By: retirebyfourty
Views: 134 Replies: 5 I had signed up for a couple banks from FW to get rewards, specifically 5/3 , KeyBank, and PNC. Im trying to do a direct deposit from my Chase CC, but see no option as an external transfer on the credit card page nor on the Banking page. Is the only way to do this is by getting those Checks In The Mail?

I realize this is probably a super newb question, but I couldnt find answers from searching. I also do have Paypal.

Thanks in advance
Credit Deals
g: 0 Posted By: Hoogineer
Views: 240 Replies: 0 Link

Deal Heist (Deal of the Day). Regularly $9.99. Free in-store pick-up. Combine with FWCB.

It doesn't look as durable as the rapid digger that I wanted, but I'm willing to give it a shot. Had some points set to expire and an unused gift card sitting around.
Garden Deals

Sears Coupons
g: 3 Posted By: remick
Views: 203 Replies: 0 182 Free Things To Do In New York City: The Best Free Museums, Sightseeing Attractions, Events, Music, Galleries, Outdoor Activities, Theatre, Family Fun, ... & Tours In NYC
http://www.amazon.com/182-Free-Things-York-City-ebook/dp/B00JG5I...

WHATS NEW IN 2014

Im really excited for this, the third edition of this book. Every year it just gets better, and for 2014, Ive expanded the descriptions, added more great photos, and increased the number of entries, including over 70 places to get free food and drink.
This really is the best available guide on whats free or how to get it for free -- in the best City in the world.
When I first moved to New York, I was so broke I couldnt pay attention. I had no choice but to seek out all thats great and free in the big city. It was all right there in front of me, and I wasnt going to let it pass me by just because I couldnt pay for it!
I found that there are tons and tons and TONS of great things to do in New York that wont cost you a dime. With this book, you have access to the best of whats free, compiled into one reference.
You could be in the know, doing 100% FREE, yet fun and rewarding, activities such as:

- Free Kayak Rentals on the Hudson River
- Free performances including jazz, rock shows, plays, spoken word, beat boxing, dance comedy, word beat, blues, experimental artists, the list goes on!
- List of the best free museums and art galleries from the Village to Harlem
- Free T.V. show tapings
- Free movies, festivals, and more entertainment
- Free food and drinks
- Free kids activities

For example, many know about Shakespeare In The Park, but have you ever heard about the hilarious (and free) Upright Citizens Brigade Theatre? Its a free comedy show with many Saturday Night Live alum.

WHY THIS E-GUIDEBOOK IS DIFFERENT
This book is not about discount travel. Its about FREE travel.

- It only includes free activities, events, locations & attractions. It tells you how to get in to many paid attractions and events for free.
- Its exclusively formatted for the Kindle and Kindle App
- Its interactive, so you can easily access directions from your current location, reviews from other travelers, and more information entries in the book.

WHAT YOULL FIND INSIDE
Each entry has a well-researched description, contact information (email, phone, website), and links to contextual information. Color photos too!
It works great with the Kindle App for your smartphone, so you can get directions from Google.
Theres an interactive map, showing you all the free activities and an appendix with free trip planning tools, apps, etc.

TABLE OF CONTENTS

1. Introduction
2. Interactive Map
3. Free Music & Entertainment
4. Free Museums
5. Free Art, Literature, and Architecture
6. Free Outdoor Activities
7. Free Theater, and Dance
8. Free Kids & Family Activities
9. Free Festivals, Street Fairs and Parades
10. Free Tours & Walks
11. Free Food & Drink
12. Free Transportation and Parking
13. Markets, Stores With Free Things & Window Shopping
14. Free Things To Do With Pets
15. Free WIFI
16. Free Tip Planning Resources
17. About The Author



Your Own Personal New Orleans Tour (Travel Guide): Seven Things You Must Do To Have A Fabulous Time In The Crescent City -- A guide for visitors and locals alike
http://www.amazon.com/dp/B00BKDG1CM

NO WADING THROUGH LIST AFTER LIST of suggestions like your typical Fodor's or Lonely Planet, this travel book was put together by a full-fledged local who knows the best places to go to have an authentic New Orleans experience.

THIS GUIDE INCLUDES RECOMMENDATIONS FOR:
* the best restaurants with the most delicious food authentic New Orleans food,
* elegant hotels in all price ranges,
* great bars for fantastic libations,
* insider sightseeing tips,
* popular music venues
* and other fine suggestions on how to have an all around memorable time in the Crescent City.



A Hawaiian Family Vacation: Oahu
http://www.amazon.com/A-Hawaiian-Family-Vacation-Oahu-ebook/dp/B...

What would a woman who grew up in Hawaii show her mainland-born husband and son when they visited Oahu? A former Honolulu resident profiles various beaches, tourist sights, and different types of local food in a new Amazon ebook.

A Hawaiian Family Vacation: Oahu is a virtual scrapbook, with photos and commentary of various Oahu destinations. Barbara Lougheed was born and raised in Honolulu, graduated from the University of Hawaii, moved to the mainland, and married a mainlander. After her son was born and was old enough to travel, she had to plan her first visit back home and decide what to show her mainland born husband and son. She came back to visit every few years, and her new ebook is a summary of the places they visited and the foods they ate. Readers benefit from a different point of view than other travel guidebooks.

Photos and reviews of famous locations like Waikiki and Hanauma Bay are included, but so are other lesser-known areas like Chinatown and Hoomaluhia Botanical Garden. See her son jumping off the rock at Waimea Bay on the North Shore, posing with a turtle at Turtle Beach, eating Waiola shave ice in Kapahulu, hanging from a Banyan tree in Kapiolani Park, ringing the bell and feeding the fish at Byodo-In Temple in Kaneohe, and swimming to Flat Island at Kailua Beach.

Dining reviews cover the local plate lunch, along with other locations serving Chinese, Korean, and Hawaiian food, Pacific Rim cuisine, supermarket deli food, a shrimp truck on the North Shore, and even mochi ice cream.

Choosing a Hawaiian Island to Visit, the last section in the book, details the differences between the Hawaiian Islands, so visitors can decide for themselves which island best suits them. Kauai, Oahu, Maui, and The Big Island of Hawaii differ in population, types of beaches, activities, and ambience, but visitors may not be aware of these differences.



Destinations: The Chicago Tribune Guide to Vacations and Getaways
http://www.amazon.com/Destinations-Chicago-Tribune-Vacations-Get...

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

The Must Sees of Seoul
http://www.amazon.com/Must-Sees-Seoul-Bravo-Your-ebook/dp/B00FJD...

Top Ten Sights: Sorrento
http://www.amazon.com/Top-Ten-Sights-Mark-Jones-ebook/dp/B00K98R...

Top Ten Sights: Dubrovnik
http://www.amazon.com/Top-Ten-Sights-Mark-Jones-ebook/dp/B00K989...

Italy Luxury: Family Hotels & Resorts
http://www.amazon.com/Italy-Luxury-Family-Hotels-Resorts-ebook/d...

Montmartre Neighborhood Guide
http://www.amazon.com/Montmartre-Neighborhood-Guide-Bravo-Your-e...

Havana Tips and Tricks: Interesting Facts and Tips On Havana And Cuba
http://www.amazon.com/Havana-Tips-Tricks-Interesting-Facts-ebook...

Retiring to the Philippines
http://www.amazon.com/Retiring-Philippines-Travel-Expatriates-Ex...

Ten Must-See Sights: Istanbul
http://www.amazon.com/Ten-Must-See-Sights-Mark-Green-ebook/dp/B0...

Books & Magazines Deals
Adding Names to Checking Account to Prevent Bank Levy
Added on : Wednesday June 04th 2014 10:00:07 PM
g: 0 Posted By: junkmailncrap
Views: 26 Replies: 0 I recently received a judgment against an individual for running off with my money. This person wrote me a bad check from a checking account that only had one name printed on it at the time (I still have a copy of this check). After submitting the bank levy I got a letter back from the sheriffs office stating that two other people are staking claim to the money that I am levying. I recall having a conversation with this person not too long ago about her being the only signer on the account because she was trying to cash a relatives check as a favor for them.

I received the letter last week. There was no action or instruction noted on the sheriff letter. This checking account is still open. I know she will now be very careful hiding her money. so my only option will be to recoup it from that checking account.
Please advice.
I ran her credit ---- its in the low 500's and she has no assets.



Credit Deals
Selling first house, had some questions about fees
Added on : Wednesday June 04th 2014 02:00:10 PM
g: 0 Posted By: Al3xK
Views: 73 Replies: 5 So my family really wants me to use their Cent21 agent, who is smart/good, but I had some questions on the fees and was curious if these are typical or unusual. The house is going to list for ~$230k and was built in ~1920 in Indiana. Their fee estimate shows a $219k sale sample. 7% is the typical "rate" for selling a house.

Sale price $219k

Listing brokerage fee: $7665

3.5%

Selling brokerage fee: $7665

3.5%

Broker Commission fee: $179
Owner title policy: $603

Is this mandatory or recommended? I thought the buyers buy a policy and I have my title insurance policy from when I bought it.

Deed & Affidavit: $60
Search & Exam Fee: $280
Prorated taxes: $2600

Property taxes for the year are $1940 so is this just a high guess and I would receive money back?

TIEFF: $5
Wire Fee: $25
Overnight courier fee: $50

I'm in Arizona so this seems high but ok

Home warranty: $420
Miscellaneous: $100

Huh?


Total deductions: $19652
Estimated net to seller: $199,348

This puts my effective rate at like 8.97%. Are these numbers typical?
Question Deals
Homeowners Insurance - CLUE Report
Added on : Wednesday June 04th 2014 01:00:11 PM
g: 0 Posted By: master44
Views: 75 Replies: 1 In 2011 we had a basement pipe burst from freezing outside temps while out of town on vacation; The people watching our house turned off the water, but described what seemed to be a mess. While out of town we contacted our home insurance to see how to proceed; It just happens that the cold temps hit lots of people at the same time and the insurance company was unsuccessful in getting a remediation company out. We cut our trip short and returned home to find that the water in the basement receded and didn't do nearly as much damage as we feared. It cost me maybe $500 to fix things and given our insurance deductible was $1000 we called the insurance company and told them there was no claim.

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

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

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

Thanks!
Question Deals
g: 0 Posted By: emucader
Views: 102 Replies: 0 My local Lowe's has a good number of lighting solutions on clearance right now.Thisanvil pendant light is a great deal and seems to be available in multiple locations in my area. Throw in a few LED light bulbs to push your order over $50 and use coupon code47000LOWES0664S (thanks DizzyT71) to knock off $10.22-in W Anvil Iron Pendant Light with Frosted Shade

Anvil iron finish and modern design will complement many styles
Includes an etched glass shade that is sandblasted inside and painted white
Requires three 100-watt medium base bulbs or CFL equivalents
Simple beautiful way to update your rooms decor


Style Contemporary/Modern Width (Inches) 10.236 Length (Inches) 10.236 Manufacturer Color/Finish Anvil iron Height (Inches) 22.638 Material Mixed material Shade/Glass Type Frosted Bulb Type Incandescent Number of Bulbs Required 3.0 Maximum Bulb Wattage (Watts) 100.0 ENERGY STAR Qualified No Dimmable Yes Type of Hanging Device Downrod

Hanging Device Max. Length (Inches) 50.75 Collection Name Aztec Pendant Weight (lbs.) 22.9278 Color/Finish Family Iron Hardwired or Plug-In Hardwired Mounting Hardware Included Yes UL Safety Listing Yes CSA Safety Listing Yes ETL Safety Listing Yes Lighting Technology Standard Recommended Light Bulb Shape A21 Light Bulb Base Type Medium base (E-26)

Home & Garden Deals

Lowe's Coupons
Any good alternatives to Penfed for 5/5 ARM
Added on : Wednesday June 04th 2014 08:00:09 AM
g: 0 Posted By: gcooley
Views: 167 Replies: 1 Hey guys - appreciate all the mortgage threads. Learning a ton. I like the structure of the Penfed 5/5 ARM. Looking to see if there are any other national banks / credit unions offering 5/5 at more competitive rates?

I saw Navy Federal had better 5/5 rates, but does not look like I have any chance of becoming a member there. Struggling to find some good alternatives.

Thanks!
Real Estate Deals
g: 0 Posted By: DaysFan
Views: 127 Replies: 0 http://www.bonton.comClinique PURCHASE WITH PURCHASE DETAILS:Receive a free limited edition Clinique Beauty at the Beach collection for $34.50 when you make any Clinique purchase. Choose from Splashy Pinks or Splashy Nudes. While supplies last. Limit one per customer. No separately stated value.Splashy Pinks

- Tote
- Moisture Surge Extended Thirst Relief, 15 mL
- Sparkle Skin Body Exfoliating Cream, 40 mL
- All About Shadow Quad
- Superbalm Moisturizing Gloss in Superbalm Lilac
- High Impact Mascara in Black

Splashy Nudes

- Tote
- Moisture Surge Extended Thirst Relief, 15 mL
- Sparkle Skin Body Exfoliating Cream, 40 mL
- All About Shadow Quad
- Superbalm Moisturizing Gloss in Superbalm Apricot
- High Impact Mascara in Black

How To Receive Your Special Offer:After adding the specially priced item to your Shopping Bag, your order must include the qualifying purchase as indicated in the offer details. The purchases will be automatically charged to your order.
Beauty Deals

Bon-Ton Stores Coupons
Smashbox Studio Pop Palette - $19.95 @ Beauty.com
Added on : Tuesday June 03rd 2014 01:00:03 PM
g: 0 Posted By: hellokitty27
Views: 111 Replies: 0 Beauty.com has the Smashbox Studio Pop Palettefor $19.95 w/ $5.99 shipping or free shipping on orders $35+. The next best price on Google Shopping is $36.99.

16 Photo Op Eye Shadows:

Nocturnal
Lunar (soft warm shimmering silver)
Emerald (shimmering green)
Nude (matte soft carmel)
Vanilla
Obsidian
Champagne
Bark
Cinder (shimmering violet)
Pastel
Orchid (dark matte purple)
Flamingo
Smoke (matte dark grey)
Amethyst
24k (gold)
Nutmeg (golden bronze)

4 Cream Eye Liners:

Bronze
Royal
Picasso
Nightlife
Herbalife
Added on : Tuesday June 03rd 2014 12:00:07 PM
g: 0 Posted By: david1789
Views: 50 Replies: 1 Hi all. I'm a British journalist and write features for the UK broadsheets.

There are obviously many people on this form looking at other ways to make extra income.

Any of you had any experiences with multi-level marketing giant Herbalife?

I'm writing a feature about Hebalife for one of the UK newspapers.

I am looking for people to talk to, particularly in the UK and Europe, who have had experiences with the company whether they be good or bad.

Perhaps you have signed up as a distributor in the past. How was it? Did you make money?

Please get in touch. I keen to hear lots of views
Cheers
David

Sony Cyber-shot Digital Camera in Red REFURB - $131.97
Added on : Tuesday June 03rd 2014 09:00:09 AM
This digital camera is equipped with a 1/2.3" Super HAD CCD Sensor that lets you shoot photos with stunning 16.1MP resolutions.
g: -6 Posted By: billrubin
Views: 234 Replies: 6 My wife has checking and savings accounts at People's United. The checking account requires a minimum combined balance of $7500, which I forgot about and she transferred a bunch of money to Chase last month to get a $400 bonus for opening saving and checking accounts. She got charged a $25 monthly fee for the account. We moved money back in to get above the $7500 requirement and my wife asked the manager if she could refund the monthly charge, which we figured they would do since she has been a good customer there. The manager could not do it on her own and had to ask her boss (district manager?) who apparently declined. The manager told my wife to try calling customer service, which seemed ridiculous. So I posted on their Facebook page and got a response back asking for a number to call me at. I figured they'd take care of it. WRONG. The person I spoke to said that unless it is a bank error, their policy is to not refund fees, period, and that since the manager's manager had already said no, there is nothing they will do. She claimed that other banks are the same way but I know that I got Citibank to refund some fees on my account and that was when the branch manager knew that I was closing all of my accounts there. She said "well if we do it for you we have to do it for everyone and the bank will lose a lot of money" and while that is true, they will make even less money when people close their accounts.

This seems like a really short-sighted policy on their part, since clearly it pisses off customers who will then go elsewhere.Am I really being that unreasonable in expecting them to refund the monthly fee? I could see not doing it more than once but it just seems really petty to me.
Credit Deals
g: 0 Posted By: jasclark
Views: 316 Replies: 1 http://www.ulta.com/ulta/browse/productDetail.jsp?productId=xlsI...


Details-
This 13 piece set has all your makeup essentials by Ulta. Set includes:

Full Size Ulta Plush Drama Mascara in Jet Black (0.03 oz.)
Ulta Cheek Color in Sun Kissed (0.119 oz.)
Ulta Super Shiny Lip Gloss in Flirtini 07 (0.009 oz.)
Ulta Lipstick in Cappuccino 227 (SH) (0.112 oz.)
Ulta Dual Ended Eye Liner in Deep Brown/Black (0.045 oz.)
Ulta Eye Shadow Quad in Aztec Gold, Deep Sea, Majesty, Galaxy (0.183 oz.)
Ulta Eye Shadow Quad in Bone, Truffle, Ice Queen, Gunmetal (0.183 oz.)
Ulta Salon Formula Nail Lacquer in Pinata-Yada (GL) (0.169 oz.)
Ulta Hydra Quench Foaming Oil Cleanser (0.5 oz.)
Ulta 3-pc. Brush Set
Cosmetic Bag/Clutch


Beauty Deals

ULTA Coupons
g: 0 Posted By: jasclark
Views: 114 Replies: 1 http://www.ulta.com/ulta/browse/productDetail.jsp?productId=xlsI...


Details-
This 13 piece set has all your makeup essentials by Ulta. Set includes:

Full Size Ulta Plush Drama Mascara in Jet Black (0.03 oz.)
Ulta Cheek Color in Sun Kissed (0.119 oz.)
Ulta Super Shiny Lip Gloss in Flirtini 07 (0.009 oz.)
Ulta Lipstick in Cappuccino 227 (SH) (0.112 oz.)
Ulta Dual Ended Eye Liner in Deep Brown/Black (0.045 oz.)
Ulta Eye Shadow Quad in Aztec Gold, Deep Sea, Majesty, Galaxy (0.183 oz.)
Ulta Eye Shadow Quad in Bone, Truffle, Ice Queen, Gunmetal (0.183 oz.)
Ulta Salon Formula Nail Lacquer in Pinata-Yada (GL) (0.169 oz.)
Ulta Hydra Quench Foaming Oil Cleanser (0.5 oz.)
Ulta 3-pc. Brush Set
Cosmetic Bag/Clutch

Where to Park Money
Added on : Monday June 02nd 2014 11:00:10 AM
g: 0 Posted By: DjScibbity
Views: 185 Replies: 3 Hi All,
I know this has been asked and the typical answer is "Find a high yield checking account..."
But, its been a few months and Id like to see if there are any other suitable options (or recommendations for said high yield checking accounts).

If you had $40-60k sitting in a crappy low yield checking account what would you do with it?
Assuming it is to be kept fairly liquid (A CD could also work, since it's technically liquid).
Stipulation is that it must be very very low risk and preferably FDIC insured.
Investing Deals
Price Mistake? Free Admission Tickets To Canadas Wonderland!
Added on : Monday June 02nd 2014 07:00:04 AM
g: 0 Posted By: Deals4mykids
Views: 287 Replies: 3 Groupon Canada has free vouchers for admission to Canadas Wonderland in Toronto

You cant login with your US account, you need to make a Canada account with a Canadian address to purchase or you can login with Facebook.

I had to enter a credit card to purchase the deal for $0 but I already have my tickets and theres no charge on my credit card. AMEX isnt accepted by Groupon Canada.

http://www.groupon.ca/deals/gatineau_en/canada-s-wonderland-1/39...
Restaurants & Entertainment Deals

Groupon Coupons
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/gp/product/B004SIR422

Many of us are crazy about money. We spend too much of it and save too little. We hoard it and we sink into debt over it. We lavish it and are stingy with it. We lie about it and fight over it. We think about it all the time and we avoid thinking about it at all.
What makes us act this way? We like to believe that our choices and actions are guided by rationality and common sense. But in fact, reason and common sense often have little to do with our money behavior. Even trained financial professionals can be crazy about money. Rather, our decisions are governed by our emotions and money beliefs.
If these emotions and beliefs are balanced and clear, we will act wisely with our money. If they are confused, we will make poor decisions, creating financial havoc and deep unhappiness. Crazy About Money helps you identify the unconscious emotions and beliefs that typically develop in childhood and drive your money decisions as an adult. It also shows you how to change misguided attitudes that lead so many people into money trouble.
Crazy About Money uses real and composite cases drawn from author Maggie Bakers 30 years of clinical psychology practice. Youll learn about Mary, who has a basement full of useless Internet purchases she made to get even with her seemingly indifferent husband. And about Harry, an 89-year-old multi-millionaire bachelor who nearly decided to move into a state-assisted living facility for fear he would run out of money. You will also meet others who, perhaps just like you, over-spend, under-save, and make poor investment decisions.
In-depth discussions explain how many people, once they understand their motivations, are able to break short-sighted or destructive money attitudes and patterns of behavior. Exercises at the end of each chapter will help you examine your own feelings and actions and point the way toward smarter choices with money, whether in saving, investing, spending, giving, or sharing.
In todays economic climate, its crucial to understand how you make money decisions and how you can improve them. Emotional clarity about money and financial literacy are necessary 21st-century survival skills.

Praise for Crazy About Money from other money experts:

Funny, humane, and to the point, this will be the most fun youve had while learning why we act as we do. It is a bible for anyone who teaches or counsels people about their money. Kent Engelke, Managing Partner and Chief Strategist, Capitol Securities Management

Read this book and insist that your financial advisors read it as well! G. Scott Budge, Ph.D., Psychologist/Managing Director, RayLign Advisory, LLC

"Crazy About Money takes a uniquely direct approach to how and why so many of us struggle with money. Dr. Baker draws on her extensive professional experience and her personal journey with her own finances to teach us that a healthy relationship with money is both freeing and attainable... this book a great read for anyone looking to understand his/her own attitudes and spending habits."
Leslie Gordon Mayer, Ph.D. President &CEO, Mayer Leadership Group; Fellow, Wharton School of Business

"... A priceless contribution to the field of money psychology, this book is a must-read for individuals and couples facing money conflicts or money avoidance. Mental health professionals, money coaches and financial professionals will also find it a great resource for themselves and their clients."
Olivia Mellan, psychotherapist, money Coach, speaker, and author of Money Harmony and The Client Connection (with Sherry Christie)(moneyharmony.com)
Totally Free Deals
Adams Arms Gas piston AR for under 1k
Added on : Sunday June 01st 2014 04:00:02 PM
g: 2 Posted By: codename47
Views: 239 Replies: 0 http://www.budsgunshop.com/catalog/product_info.php/cPath/837/pr...

Most gas piston AR's list for over 1k, but these are apparently slight cosmetic blemishes, that I can't see, that are being sold at a discount. I just got one and was quite pleased with the purchase. The last time they had these, they sold out pretty quick.
Guns & Ammo Deals
g: 3 Posted By: GreenTrash
Views: 399 Replies: 3 LINK

In L, XL & XXL only

100% Polyester
100% polyester two-tone pique
Omni-Shade UPF 30 sun protection
Omni-Wick advanced evaporation
Machine wash cold gently, do not bleach, tumble dry low, remove promptly, iron low, do not use fabric softener, if present do not iron decal, do not dry clean


Other colors $38-40

Clothing Deals

Amazon Coupons
g: 0 Posted By: leoslion
Views: 183 Replies: 0 Sam's Club has the Sharp LC-60C7500U"http://www.sharpusa.com/ForHome/HomeEntertainment/LCDTV/Archives/LC60C7500U.aspx"60-Inch Class Aquos 1080p 240Hz Smart LED HDTV with Quattron for $898.17 "http://www.samsclub.com/sams/60-240hz-led-wifi-1080p-4-hdmi-wifi/prod9300318.ip".

I went TV shopping yesterday and the Sharp LED TVs seem to have better picture than the Samsungs. I went to Best Buy (bright environment) and hhgregg (dim environment). The wife liked the Sharp's Aquos tvs more than any other which helped make my decision between this and the Samsung UN60H6350.

The aren't many online reviews for the LC-60C7500U but the ones I found are very good (Amazon). You will find slightly more reviews for the LC-60LE750U. The only difference seems to be that LC-60C7500U has AquoMotion 480 and the LC-60LE750U has AquoMotion 240.

Comparison: http://www.sharpusa.com/Product/Compare.aspx?models=LC60LE750U,L...

PRICEMATCHING

Amazon "http://www.amazon.com/Sharp-LC-60C7500U-60-Inch-Class-Quattron/dp/B00CR6CHTW"
I personally decided to get it from Amazon for Prime, No Tax, and SquareTrade warranty. I put the item in my cart, used the "contact us" link to get them to call my phone, then had to be transferred to the large items dept. Once there I didn't have any problems pricematching to SamsClub.com. I provided them the Item #: 101894, and the store location that had it in stock at Sunrise Club, 13550 W. Sunrise Blvd., FL 33323, (954) 846-7001. Amazon has their own login for Sam's Club and they were able to verify the $898.17 with no issue. FWIW, I had it shipped to DC and they didn't give me a hassle about the store not being local or me not having a Sam's Club membership.

WARRANTY
I added theSquareTrade 5-Year TV Protection Plan ($800-$900) "http://www.amazon.com/gp/product/B005STXP5K/ref=oh_details_o01_s00_i00?ie=UTF8&psc=1"for $79.81. Otherwise, it seems to come with a 1 year Parts & Labor warranty from the manufacturer.

Let me know if it's a hot deal and post your config if you get it.
LED TV Deals

Sams Club Coupons
g: -2 Posted By: ctgolfer
Views: 206 Replies: 1 The United States Mint Silver Eagle $1 coin, is the world's best selling and most highly collected bullion coin. These are fresh coins from a U.S. Mint roll that have not been picked over and will be shipped securely in individual plastic sleeves known as flips.

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...
RC & Hobbies Deals

eBay Coupons
g: 0 Posted By: ctgolfer
Views: 100 Replies: 0 54-5/8" screen measured diagonally from corner to corner
To ensure optimal viewing in large rooms.
VESA 400mm x 400mm compliant
For simple wall mounting (with optional mounting kit, not included).
Roku streaming stick included*
Plugs into the MHL port, providing extended-range, dual-band wireless connectivity, so you can easily access more than 1,000 entertainment channels.
4,000,000:1 dynamic contrast ratio
Offers a wide range of shades between black and white to deliver a vibrant picture.
120Hz refresh rate with AquoMotion 240
Helps ensure fast-motion scenes remain clear.
1080p display
Provides a highly detailed picture and is ideal for 1080p-capable content, including Blu-ray movies.
2 bottom, down-firing 10W speakers
Along with virtual surround create a robust soundscape.
Inputs
Include 3 HDMI (1 MHL), 1 shared component/composite video with stereo audio and 1 F-type antenna (down).
Outputs
Include 1 audio.
3 HDMI inputs
HDMI cable not included. High-speed HDMI cable is the only connection that can deliver a full HDTV experience with a full 1080p picture and digital surround sound.
USB port
Allows you to access JPG, MP3 and MPEG-2 files stored on compatible USB devices.

www.bestbuy.com/site/sharp-55-class-54-5-8-diag--led-1080p-120hz...
g: 0 Posted By: outtawhack
Views: 257 Replies: 2 Not sure if it's local or all Lowes, but all the ones around me have this 20 lb bag of Scott's grass seed for $9.30 (which is 75% off) through 6/24

Scotts Turf Builder 20-lbs
Garden Deals

Lowe's Coupons
Mosaic 9-ft. Round Steel Market Umbrella - $34.99 shipped @ Academy
Added on : Saturday May 31st 2014 03:00:03 PM
g: 0 Posted By: hellokitty27
Views: 121 Replies: 0 Academy has the Mosaic 9-ft. Round Steel Market Umbrellafor $29.99 w/ $5.00 shipping. Available in Tan, Bright Orange, Bright Blue, Bright Red, Hunter Green, Green/Yellow Stripe, Avocado, Multi, Black/White Stripe, and Yellow/Gold.

Tilts to provide optimal shade
Hand crank mechanism for easy operation
Powder-coat steel frame and ribs provide durability
Mosaic Cast Iron Umbrella Base sold separately
160-gram polyester material

Home & Garden Deals
Cuisinart Toaster Oven TOB-130 $39.99 at Tuesday Morning YMMV
Added on : Saturday May 31st 2014 10:00:05 AM
g: 1 Posted By: boomer
Views: 124 Replies: 0 The Tuesday Morning near me had a sidewalk sale today with many items at good prices. I picked up thisCuisinart convection oven for $39.99 with more than one available. They had bread makers, toasters, cookware area rugs and many more items. I also gotthisblow dryer for $11.99.
g: 0 Posted By: tedhawkins
Views: 96 Replies: 0 Kelty Screenhouse Basecamp Shelter - Medium - $115.98 FS Backcountry

http://www.backcountry.com/kelty-screenhouse-12-x-12

NO BUGS PLUS PLENTY OF HEADROOM EQUALS A HAPPIER YOU.
Grrrr damn pesky mosquitos! Let the Kelty Screenhouse come to your rescue when the bug population is at its prime. This classic mesh tent covers your picnic table so you can sit, relax, and sip lemonade outdoors while other folks combat those blood-sucking little critters with bug spray and clothing. Pull-down shades offer protection from the sun and make the Screenhouse a convenient, multi-purpose tent thats sweet to have whether youre chilling in your back yard or car camping.
Easy clip-sleeve construction helps make set-up a cinch
Taped seams help keep you dry during a quick rain shower
Closeable mesh panels offer superb ventilation
Noiseless zipper pulls keeps things quiet when the kiddies are taking a nap

Razer DeathAdder 2013 - Ess Ergonomic Gaming Mouse - $69.99
Added on : Saturday May 31st 2014 09:00:08 AM
Ergonomic right-handed design with textured rubber side grips
g: 0 Posted By: remick
Views: 205 Replies: 0 http://www.amazon.com/dp/B00E0TND74

Kelly Frost, a textiles conservator, is invited to the Massachusetts coastal city of New Bedford to restore a 150-year-old Mariner's Compass quilt. But there is one stipulation: she must live and work in Gray House, a former whaling captain's home, where the quilt is stored. There she meets Army veteran Tom Pereira, the caretaker of Gray House, whose heart seems as hard as the rocky Massachusetts coastline. Over the long-lit months as Kelly works to restore the quilt, she and Tom grow closer. And as she reads stories in a daily journal penned by Mary Gray, she learns the secrets of the quilt and Mary's own sad tale of regret. Then Tom learns secrets of his own family's past, and both Tom and Kelly learn they are tied to Gray House in ways they never imagined.



Out of Focus (An Adams Grove Novel)
http://www.amazon.com/dp/B0066Q40L2

In OUT OF FOCUS, Kasey Phillips thinks her biggest problem is deciding whether to photograph Cody Tuggles honky-tonkin tour, until an accident on Route 58 claims the life of her husband.
In a desperate race against time as a hurricane threatens the eastern seaboard, they search for her three-year-old son who is missing from the wreckage.
A community and friends rally to help, but someone knows more than they are telling.



Capture
http://www.amazon.com/dp/B008CNJE4A

Nominated for a 2013 Spinetingler Magazine Best Novel Award

IN A CITY WHERE THE LINES BETWEEN RICH AND POOR ARE DRAWN IN BLOOD, THE TRUTH IS JUST THE LIE YOU BELIEVE THE MOST.
As four-year-old Sunny Exley drowns in the icy waters off a luxury beach house, her father, Nick, smokes weed on the shore and her mother, Caroline, is lost in the arms of a lover. Hidden on nearby boulders, rent-a-cop Vernon Saul watches the child die and chooses to act only when it is too late.
In the days following Sunny's death, gutted by grief and guilt, Nick falls under the spell of Vernon who presents himself as a friend in time of need. When the sinister Vernon's true Motives are revealed, Nick is drawn into a spiral of manipulation and murder that leaves him fighting for his sanity and his life.



THE DEADLINE (David Grossman Series)
http://www.amazon.com/dp/B008ISCKVS

THE DEADLINE is the story of David Grossman, a Baby Boomer approaching sixty who loses his high-paying corporate job, forcing him to review his options and priorities. Desperate for a last chance at personal fulfillment, David makes a one-year deal with his wife. If he fails, his life-long dream is likely over and he must return to the corporate grind, a life lived under the steady lash. At first, one year seems like ample time, but David had not counted on having to deal with a moody culinary genius from the Amazon, a high priestess of the dark arts, a dying mother, and sinister thugs from the Mob. With each passing day, Grossman feels the pressure of time slipping away and the likely end to his dream.



Only For You
http://www.amazon.com/dp/B00FEDCKK6

All Everleigh Carsen wanted to do was complete her final semester at Hensley University and begin the life she planned.
When a wave of violent crime seizes campus, Everleigh is persuaded by her best friend to attend a school sponsored self-defense seminar, where she meets volunteer instructor, Hunter Charles. After Everleighs biting sarcasm induces Hunter to eject her from class, an explosive relationship is born.
Everleigh is determined to forget the striking man, but fatethat fickle shrew continuously intervenes. Unable to escape him, she casts Hunter as her prime adversary. The only complicationHunter is resolutely pursuing his vindicationby any means necessary. Verbal warfare ensues, and despite Everleighs ingenious efforts, in Hunter, she has finally found her equal.



The Gemini Factor
http://www.amazon.com/dp/B0089GGTXE/

Murders are common. Serial murders are less common. Serial murders committed in two different countries at exactly the same time, in exactly the same way, are unheard of. ..until now.



City of Whispers
http://www.amazon.com/dp/B006N1OA4M

When an epidemic turns most New Yorkers into vampires, a handful of remaining humans find themselves struggling to survive in a quarantined Manhattan. As their numbers dwindle, Ailis Laurent undergoes a transformation of her own: she becomes a hardened vampire killer.

Books & Magazines Deals

Amazon Coupons
g: 0 Posted By: rbicker
Views: 41 Replies: 0 was on sale for $14.97.
Coleman Back Home Instant Screen Room $155.99 A/C w/FS @ Sears
Added on : Saturday May 31st 2014 06:00:10 AM
g: 0 Posted By: ctgolfer
Views: 163 Replies: 0 use promo code: SEARS2014

12 X 10 shelter footprint for over 120 sq feet of shade
High quality Coleman Patented instant shelter frame sets up in less than 60 seconds
Simple, exclusive Coleman push button release levers
Center height is over eight feet tall
Accessory screen included, protects from insects and provides additional shade from the sides
Screen has two zippered doors for simple entrance and exit
50+ UVGuard protection factor
Wheeled carry bag included

www.sears.com/shc/s/p_10153_12605_00698495000P
Home & Garden Deals

Sears Coupons
g: 1 Posted By: MISTERCHEAP
Views: 180 Replies: 0 looking at upcoming Kmart ads and thought this might be of interest. Per pg 16 of the Kmart ad starting Sunday, 6/1:

6/1-6/15, buy a $25 Kmart GC, get a $5 Kmart Award Card (Valid 6/16-6/21 ONLY) plus $2 in SYWR points. Points are supposed to credit to your account within 30 days, but at least with the recent Kmart GC deals, I was able to call and have them credited right away by claiming they were supposed to post immediately and hadn't.

Limit 2 per SYW account.

Also available, per pg 17 of the Sears ad that starts the same day, you can buy a $50 Sears GC and get a $5 Sears Award Card+$2 in SYW points.

Kmart and Sears GCs can both be used at either store; unfortunately, neither should work at Lands End anymore. Not sure if the Award Cards will work at "the wrong" store (Kmart card at Sears, e.g.), but I would call it a safe bet that they will.
Gifts Deals

Sears Coupons
g: 0 Posted By: DizzyT71
Views: 139 Replies: 0 Sears has theShade Tech 81 Canopy (12 x 12)on sale for $56.99 with free shipping using SYWMax Free Trial HERE!
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.
8 ft. 9 in. center height; 6 ft. 6 in. perimeter clearance.
One piece fully assembled frame, no tools needed, for a convenient and easy way to set up.
Angled legs provide extra stability.
Includes nylon wheeled bag for easy portability.
Polyester top has aluminum backing for a cooler and darker shade.

Sports & Outdoors Deals

Sears Coupons
Virgin Mobile Top Ups E-delivery at 10% off - $60 for 53.99
Added on : Thursday May 29th 2014 09:00:02 PM
g: 0 Posted By: MaddDogma
Views: 93 Replies: 0 $60/40/25 Virgin Mobile Top Up Airtime Pin 10% off.

I bought two $60 pins today and had them verified in my VM account within 20 minutes.

$60 for $53.99
http://crazygametime.com/store/virgin-mobile/13-60-virgin-mobile...

$40 for $35.99
http://crazygametime.com/store/virgin-mobile/85-40-virgin-mobile...

$25 for $21.24
http://crazygametime.com/store/virgin-mobile/42-25-virgin-mobile...

Virgin Mobile Deals

Virgin Mobile Coupons
40% off at Banana Republic with code BRFAN - No Exclusions
Added on : Thursday May 29th 2014 08:00:03 PM
g: 0 Posted By: lakrzfan
Views: 185 Replies: 0 Their usual 40% off codes have exclusions. No exclusions with code BRFAN. Valid thru June 1.

Unfortunately I couldn't get the 25% off new email sign-up code to stack, but still worthwhile if you've had your eye on something that's usually excluded from their coupon codes.

http://bananarepublic.gap.com/
Clothing Deals

Banana Republic Coupons
g: 0 Posted By: SyZpuzzler
Views: 223 Replies: 3 Hello, I made a post a few weeks ago about purchasing a house but that is down the road, and this is more pressing

Currently, this is my situation: $39k salary, $29k combined student loan debt between 2.8% and 5.9%, $8.5 car loan at 1.9%, and a $3,400 CC balance on my Wells Fargo card I've had for over 10 years. As far as I know, my credit is good (excellent??? No late payments on anything in years, no other outstanding debt, I've held car loans before, I've had student loans for many years, etc. I don't know the actual score because when I go to annualcreditreport.com it just gives me a detailed summary but not my actual FICO score)

I currently have $1,000 I want to pay towards my credit card, and I'm looking to pay off the remaining $2,400 within a year (hopefully within 6 months ...)

I haven't gotten a new card in years, including a debit (also WF). I know there are tons of programs to move your balance, get 0% for a year, get 2% Cash Back, all sorts of stuff

My main question is: should I move my $3,400 balance to a new card with 0% down and potentially some rewards like Cash Back, then pay it down within a year and use that card moving forward?

Follow up questions:

- Once my current card is paid down, can I close it? Do I get a credit hit if I close a current line of credit?
- If I get a Cash Back or rewards card, is the correct way to make purchases moving forward to just use the credit card then at the end of the month pay it 100% off with the money from my checking account I would have used anyways?
- I know Discover has some sort of program where they tell you your credit score every so often. Are there any other programs? Ideally, 0% + a Cash Back rewards + a FICO score would be fantastic but that seems like a pipe dream
- Is it worth it to call Wells Fargo and basically pull the 'Hi, I'm a loyal customer. I see offers to move my balance over and get a 0% interest, is there anything you can do about my interest rate?' card AND THEN if they lower it, STILL move the balance over?
- My current credit line is $4,800, bumped from $3,600, bumped from $2,500. Will I more than likely be approved for at least a $3,600 limit on the new card? (Enough to move $3,400 + the 3% fee)

Yes, I know there is a credit card thread but it has 112 pages and I simply cannot invest the time into that much

Thanks

Credit Deals
g: 0 Posted By: tedhawkins
Views: 62 Replies: 0 Columbia Men's Silver Ridge Convertible Pant (color - Fossil) $36 FS Amazon

http://www.amazon.com/Columbia-Silver-Ridge-Convertible-Fossil/d...



100% polyester
Omni-Shade UPF 50 sun protection
Omni-Wick moisture management
2-way comfort stretch


Clothing Deals

Amazon Coupons
Financial Implications of UberX
Added on : Wednesday May 28th 2014 08:00:05 PM
g: 0 Posted By: BigManonCampus
Views: 56 Replies: 3 I know this idea has partially been discussed here:http://www.fullofdeals.com/forums/finance/1337560/ but I wanted to go into a bit more detail and go with a slightly better thought out "business plan" for UberX driving. I recently finished my MBA and so I suddenly have what feels like a ton of free time at night and on weekends. There are the obvious FWF solutions of how to spend this time (H&B, etc.) but it seems like some amount of this time could be spent making more money and getting me out of the house. I had an idea today to start driving for UberX a couple nights a week (I'm thinking a weekday night and a weekend night) and how it could potentially be profitable.

My current vehicle is a pickup truck, so I'd have to obtain a second vehicle for Uber driving. Their requirements are <10 years old, clean title (not salvage/rebuilt), "excellent cosmetic and mechanical condition" (frighteningly vague) and 4 doors. A bit of basic craigslist/autotrader browsing suggests I can get a suitable 4 door vehicle with ~100k miles on it that is exceptionally unpopular (Suzuki Forenza/Verona, Chrysler Sebring/PT Cruiser, Chevy HHR, etc.) for around $3,500-5k. Alternatively, there are some nicer options (Lexis IS250, Cadillac CTS/Deville) in the $7-9k range. The hope would be that I could essentially drive these cars around 20k miles and do little maintenance beyond oil changes and treat this car as my UberX whipping boy then just sell them for roughly I have in them (alternatively, if something serious breaks or the car is totaled, consider it a capital loss and see what I can get for scrap, I'm cool with this risk).

So, here's my math:
Shift Mileage $ from Mileage $ from Time (Assuming 80% time/mile ratio) $ from Base fares (assuming 5 mi/ride*$2) Total Gross Earnings Uber's Cut Gas Cost @ 25 mpg @ $3.7/gal IRS Mileage Deduction (.56/mi) Taxable Amt Tax Burden ( assumed @30%) Net Earnings 20 28 22.4 8 58.4 11.68 2.96 15.82 30.9 9.27 21.63 40 56 44.8 16 116.8 23.36 5.92 31.64 61.8 18.54 43.26 60 84 67.2 24 175.2 35.04 8.88 47.46 92.7 27.81 64.89 80 112 89.6 32 233.6 46.72 11.84 63.28 123.6 37.08 86.52 100 140 112 40 292 58.4 14.8 79.1 154.5 46.35 108.15 120 168 134.4 48 350.4 70.08 17.76 94.92 185.4 55.62 129.78 140 196 156.8 56 408.8 81.76 20.72 110.74 216.3 64.89 151.41 160 224 179.2 64 467.2 93.44 23.68 126.56 247.2 74.16 173.04 180 252 201.6 72 525.6 105.12 26.64 142.38 278.1 83.43 194.67 200 280 224 80 584 116.8 29.6 158.2 309 92.7 216.3
Here's my explanation of my assumptions/numbers
Shift Mileage: Assumed mileage driven with a paying passenger

Income:
$ from Mileage: Assumed mileage x mileage rate
$ from Time: I took my last twenty UberX trips and the average Mileage $/Time $ was around .8, so I just multiplied $/Mile * .8
$ from Base Fare: Obviously this is highly dependent on number of trips. I punted on this one and assumed each trip was 5 miles, so every 5 miles I make $2/base fare.
(Not Calculated): Any weekend night I don't spend partying in bars, I don't spend money on drinks/rides home.

Deductions:
Uber's Cut: 20%. I would probably also drive for Lyft as well, in my travels, I've seen many drivers do both UberX and Lyft at the same time, but I'm assuming whomever I'm driving for, that's commission.
Gas: My assumptions per mile
Taxes: Assume 30% for taxes and 56.5 cents per mile deducted.

The obvious things ignored here are miles with no earnings going to pick somebody up (to which I have no idea how to calculate) and insurance costs. I assume my insurance costs will be minimal because it'll be a second car on my current single driver policy and carry liability only insurance. If I have a $3,500 car that is only the UberX whipping car and I total the thing, I assume my insurance and Uber's $1 million liability will pick up the liability, and I'll just get rid of the wrecked car and decide that UberX wasn't worth it.

I'm assuming that using a normal distribution with the above numbers and assuming 60-120 paid miles, I'll average $100/night (I suspect it would be more like $50/weeknight, $150/weekend night) Whether this is realistic or not, I don't have a good way to determine, Uber's community managers swear that everybody gets $1000+ a week, blah blah blah.

So, my only unknowns are the real UberX market in my city, if I bought a car and immediately had to put a significant amount of money into it ($500 repair or something two weeks after I get it), but that is just a risk I have to take with this plan.

So, FWF, anything I'm missing?
Question Deals
g: 0 Posted By: ctgolfer
Views: 98 Replies: 0 Sharp - AQUOS Q+ Series - 60" Class (60-3/32" Diag.) - LED - 1080p - 240Hz - Smart - 3D - HDTV - $1,499.99
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my experience with the ACA; does this mean I'm poor?
Added on : Wednesday May 28th 2014 06:00:03 PM
g: 0 Posted By: bluegreenturtle
Views: 132 Replies: 2 I see no reason to create an Alt for this - I have no idea why people do when asking personal questions. So last month, I was looking through various health insurance options for next year (we opted to "keep our insurance" because it was very cost efficient, a $3500 deductible HSA) and the site redirected me to a "community adviser" which is what my state (Oregon) is using to sign people up for ACA compliant plans (because, as you might have heard, our website is dadgum broken). It gave some details on "Healthy Kids" which is our state's low income assistance for people under 19 and it seemed like we might qualify, so I signed up for a call from the adviser.

To my surprise, using our tax return as an income qualifier, we not only qualified for assistance, our children qualified for the "no cost" options for assistance and the adviser took their info and signed them up right away because our income was "so low". We signed up for new insurance that is similar to in cost, though slightly worse coverage than what we had, but getting the kids on the healthy kids plan cut our premiums way down. I'll post the qualifications for the plan at the bottom of the post - basically if you're at 300% or below of the poverty level, you qualify for full coverage for your kids.

The number that brought this about was that our AGI on our return was $55,000. The insurance adviser said that the state considers anything below an income of $78,000 for a family of four to be qualified for free health coverage for the kids. To arrive at the AGI, we also contributed $16k to my SEP IRA, $5500 each to our trad. IRA's, and $3250 each to our HSA, so we put away about $33k this year in tax deferred accounts and paid all our bills too. To me, this doesn't seem like a family that should qualify for public assistance.

So my question is this: am I poor? Does this mean we're on public assistance? I'm a long time member of Fatwallet, have always felt we were doing well above average, even among members of this forum - the above information shocked me; our state considers us to be in need of public assistance. Maybe I'm deluded. I grew up poor and am usually happy with our little successes. I feel like I'm missing something - the forms have all come with our children signed up, and now we don't have to pay for their premiums, and their coverage is complete, supposedly, much better than what we had buying it. I have no idea if they verified our income - it seems like they must have, but I'm not sure how they had time.

Here is a link to the qualification guidelines. Obviously every state is different. Perhaps ours is overly generous. http://www.oregonhealthykids.gov/families/qualifications.html

Discussion Deals
bodly injry claim
Added on : Wednesday May 28th 2014 03:00:09 PM
g: 0 Posted By: mk1039
Views: 40 Replies: 0 hi, i had a small auto accident some time back in Tx due to my mistake. even though it was a small accident(just bumper replacement), the other party filed a big personal injury claim and it seems too big. in-case my insurance company cannot reach settlement with the other party, what are the consequences ? also if there is anything i need to do.

i heard, by law its the responsibility of insurance company to handle it (as long as its in my insurance limit) and i should not worry but what if they have a deadlock ? will the other party come after me ?
New User Question Deals
Question about multiple claims against my homeowner's insurance.
Added on : Wednesday May 28th 2014 03:00:09 PM
g: 0 Posted By: chocula
Views: 31 Replies: 0 I have a couple of questions about making another claim against my homeowner's insurance.

I have had the same insurance company for my house and car for about 15 years or so. I never had a claim until about 8 years ago when our town was hit pretty hard by tornadoes and an extremely large tree landed on our house. Somehow our chimney took the brunt force of the tree (i was sleeping under where the tree landed on the house), it still did about $30k in damage to our house.
We filed an insurance claim and they paid everything but our deductible. Other than about 3 or 4 back and forth messages there were no issues with getting the work approved and the contractor paid.

About 2 years ago, I got a chip in my windshield and was told that the insurance company would repair those for free. We had a guy come out to the house and he repaired the windshield.

We have lived in our current house for almost 7 years and have never had a claim against it. Last year, we had a really bad storm and about 60% of the houses on our street had their roofs replaced. We decided against repairing the roof or filing a claim since we had one previously. In the 7 years we have lived here, we have had several bad storms.
Last week, we had another pretty bad storm and the builders were out in force trying to get people to replace their roofs.

After the most recent storm, we had a very small amount of water in our garage where you could see it leaked from the roof area.

My wife and I were discussing whether or not we should get our roof replaced and decided to have someone inspect the roof. You can clearly see the damage from the hail on the shingles and the flashing. Several of our screens were damaged as well. My vehicle has a few hail marks on it, but it is 8 years old and a few marks on it are no big deal.

The builder that inspected our roof said that the front part of our roof has a great deal of damage, but surprisingly the back part of the roof is not that bad.

I have read here that just calling your insurance company about these issues can count against you, so I wanted to get some advice before calling them.

My questions:
1. Will having another claim cause my premiums to go up?
2. Can they cancel my insurance if I have a 2nd claim? I am guessing it will be $5-6k to replace the roof (based on the costs for my neighbors to get their roofs repaired).
3. The builder said that my insurance company may not pay for the back part of my roof because it was not that bad. Would an insurance company only repair half a roof?
3A. Our house that was hit by a tree in Atlanta was a split level and only one roof was damaged. We paid for one roof and the insurance company paid for the other one,
4. Do you have any advice for me with this situation?

Thanks in advance. We are obviously trying to get the roof repaired, but at the same time do not want to lose our insurance.


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g: 0 Posted By: jskins
Views: 181 Replies: 0 Overland Equipment Bayliss Bag (Turtle Green/Shaded Spruce)- $10.00 with Free Shipping at 6PM.

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Adjustable shoulder strap is 1-in. wide


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Chase Premier Plus Checking?
Added on : Wednesday May 28th 2014 12:00:08 PM
g: 0 Posted By: deeder
Views: 0 Replies: 0 Was about to open a TDBank account but heard bad experiences even though the account had more perks. Then I noticed there was Chase Premier Plus Checking with a 15,000 minimum which has differences in the perks and fee schedules. But with Premier Plus you get a $200 bonus and there were also savings coupons that I could link for the 15,000 minimum balance requirement for an additional bonus.

Its confusing because you have to look through all the different terms and conditions and no 2 banks are alike in perks and fee schedules and bonuses, etc...

But Chase is a larger bank than TD Bank. Chase's experiences seem to be fine overall with the exception of bank hold times and the bank arbitrarily closing accounts at times for certain customers.

Assuming $400 or even more of bonuses depending on what is offered, Chase seems to be the best deal going and using the account is extremely easy.
Sold AA points and got this
Added on : Wednesday May 28th 2014 08:00:16 AM
g: 0 Posted By: DesiVibe
Views: 411 Replies: 21 I had sold 55K AA points in Marchand got this email from AA this morning. Has anyone else gotten the same? I got lots of points in my account and am worried about adverse action! Should I reply back or should I just forget about the account

.~~My name is XXXXXX, and I am an analyst with American Airlines. One of my responsibilities is investigating possible instances of fraud, misrepresentation, and violations of the General AAdvantage Program Conditions. Today, Im writing you about your AAdvantage account # XXXXXXXX

We have reason to believe that the transactions listed below violate one or more of the AAdvantage program conditions. This includes, but is not limited to, prohibition of purchase, sale, or barter of mileage credit and or award tickets. As a result, American Airlines has suspended your AAdvantage membership privileges and use of AA.com in conjunction with your account and may terminate your account as a result of our findings. We are in the process of completing the investigation into this matter, and I would like to hear the events as they occurred from your perspective. Please respond to this message by May 30, 2014, with complete and accurate information regarding the activities listed below
:XXXXXXXXXXXXXXXXX

Required Information:
Passenger name
Origin and destination cities on the travel itinerary
Purchaser name (individual, company and/or website), including:
Copy of any advertisements to which you responded offering to purchase/broker the use of your AAdvantage miles
Purchaser contact information, such as:
Mailing address
Email address
Telephone number
Website profile name
Your statement fully disclosing the details surrounding the sale/barter transaction referenced above
Copy of all communication between yourself and the purchaser
Documentation that you received payment

To protect and retain the integrity of the AAdvantage program, it is vital that firm action be taken as a result of any violation of the AAdvantage Program Conditions, whether intentional or not. Failure to respond completely and accurately by May 30, 2014, will result in the termination of your AAdvantage membership and all its benefits, including all remaining AAdvantage miles in your account and any award tickets issued from it.Please, understand that our overall motivation is to preserve the benefits of the AAdvantage program, rather than to take punitive action against individuals. To that end, its not unusual for us to release the AAdvantage account suspension once we receive all the detail we request and reconcile it with the results of our investigation. We hope to hear from you soon.Regards,
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g: 0 Posted By: ctgolfer
Views: 134 Replies: 0 Image Sensor 16 Megapixel - CCD 1/2.3
Focal Length/Lens Configuration 4.5 - 108mm (25 - 600mm in 35mm photography)
Zoom 24x Optical Zoom + 2x Super Resolution Zoom + 4x Digital Zoom
Aperture Range f3.0 (W) - f6.9 (T)
Display 3.0" (4:3) 460K Dots LCD
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Focus Range (from lens surface) Normal Mode: W: 0.20m - ∞; T: 0.40m - ∞
Super Macro Mode: 0.03m - ∞
Focus Mode Face Detect AF, AF Tracking
Shutter Speed 1/4 - 1/2000 (Night Scene: Longest 4 Sec)
ISO Sensitivity (SOS: Standard Output Sensitivity) ISO 100, 200, 400, 800, 1600, AUTO, HIGH
Image File Format Still Image: JPEG
Video: AVI/Motion JPEG
Motion Blur Suppression Dual Image Stabilization
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Flash Modes Auto, Red Eye Reduction, Fill-in, Off
Flash Working Range "W: 0.2m - 6.9m (ISO 800)
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Self-Timer 12/2 seconds
Internal Memory 37.9MB
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Outer Connectors Multi-terminal (USB Connector, DC Jack, Audio/Video Output), HDMI Type C
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Dimensions (mm) 4.2" W x 2.7" H x 1.5" D
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g: 0 Posted By: ctgolfer
Views: 161 Replies: 0 Includes: 20 Eyeliners in Assorted Colors, 20 Lip Liners in Assorted Colors
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Dries to a long-lasting finish
May contain some of the following colors: Aqua, Auburn, Blonde, Black, Blue, Cafe, Cappuccino, Charcoal Gray, Emerald, Gold, Gray, Iridescent Green, Iridescent Blue, Iridescent Violet, Sparkling Blue, Navy Blue, White, Taupe, Peacock Blue, Violet, Pink, Slate, Sky Teal, with other colors possible
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Potentially Dangerous Tree?
Added on : Wednesday May 28th 2014 03:00:06 AM
g: 0 Posted By: nhokt
Views: 78 Replies: 3 Since the tree thread can has been opened again....

We have about 2 acres of land, most of which is heavily wooded forest that abuts a few neighbors smaller lots, the property boundaries aren't clearly marked that I can see.

On what appears to be very near the edge of our(?) property and close to a neighbors house there is a ~80' pine tree that is rotting at the base due to previous wind damage. An arborist eyeballed it from a distance, said it looked dangerous and recommended it be taken down. Tree service would most likely need to access the tree through neighborsproperty to take it down.

This is the one neighbor we don't know well. I stopped over and had a quick discussion where they didn't seem concerned and didn't want to do anything about it.

Situationseems like a giant liability to me, myidea is to use my legal plan to have a liability release drawn up for any potential damage or harm the tree may cause if it falls and have the neighbors sign it.

What I am missing? Is this risk still too high with the liability release?

Personal Finance Deals
Lawyer wants to be fired
Added on : Tuesday May 27th 2014 04:00:08 PM
g: 0 Posted By: LOOPHOLE
Views: 276 Replies: 4 Serious dilemma here, my divorce lawyer of 9 monthskeeps "asking" me to fire her, she's even tried to provoke me to fire her. The problem is thatthere's a trial scheduled for next week! I don't think she's prepared and is looking for a way out as she would never be allowed to withdraw at this stage. She's assured me all along that her "nice strategy" was going to work & she had an understanding with the enemy,but then opposing counsel started hammering and dropped a bombshell yesterday with respect to property settlement, now I feel like I'm about to be slaughtered here. I called her out on blatant lies in her emails. I am definitely going to report her to the state bar, but not sure how to proceed otherwise. Any advice appreciated.
Question Deals
Chase Credit Cards: Tightening of Awards Bonus Restrictions
Added on : Tuesday May 27th 2014 11:00:08 AM
g: 0 Posted By: EricGo07
Views: 239 Replies: 3 The following is taken from the T&C of a Sapphire card application, but I have seen the same terms for other (all??) Chase issued cards:
Chase T&C said: Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer or have received a similar bonus offer, may not be eligible for a second Chase credit card in the same Rewards Program, or for any bonus offer. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing.

The restrictions are opaque: "similar", "history", "have had."

I'd like to clarify the meanings by hearing specific examples of people who have either been denied, or not been denied despite falling within a possible interpretation of the terms.

Thanks all, and apologies if I missed a prior thread on the topic.
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New Arrivals: Antica Murrina - Lapilli Murano Glass Necklace
Added on : Tuesday May 27th 2014 09:00:04 AM
Lapilli Murano Glass Necklace is part of the Evergreen Heritage collection. Featuring transparent glass drops with soft shaded tones, silver toned logo ring, alcantara string and lobster clasp. Each piece is unique. Signature box included.
New Arrivals: Valentino - Gryphon Fringe Leather Flap Bag
Added on : Tuesday May 27th 2014 09:00:04 AM
Fringe Leather Flap Bag crafted in beautifully grained calfskin leather with had tied fringe accents for a chic boho style. Featuring a brushed gold tone gryphon element, magnetic flap closure and adjustable shoulder strap. Three internal compartments with a zip pocket and an external magnet closure pocket on the back of the bag, suede lining and brushed gold tone hardware detail. Signature dust bag included. Made in Italy.
New Arrivals: Valentino - Scarab Fringe Leather Shoulder Bag
Added on : Tuesday May 27th 2014 09:00:04 AM
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g: 1 Posted By: johnnybs
Views: 67 Replies: 0 Link

Welcome bonus offer not available to applicants who have or have had this product within the last 12 months.
(1) Apply for the Business Gold Rewards Card from American Express OPEN using Bonus ID A5L8 prior to termination of this offer, but in no event later than June 2, 2014 and be approved for this card.
(2) Charge $5,000 of eligible purchases on the Business Gold Rewards Card in the first 3 months of Card Membership.
Credit Deals
Need Some Help With Student Loans...
Added on : Tuesday May 27th 2014 06:00:09 AM
g: 0 Posted By: hurricanedarby
Views: 40 Replies: 0 Hello all! So I currently have $58,000 in federal student loans and $17,000 in private loans stemming from my under-graduate degree in Communications (Long story about how it got that high; I promise it wasn't from abusing the system or living a baller lifestyle). I make about 55k a year and have no other debt (no auto or credit cards). I've refinanced the private loans to a 4.92% rate and consolidated the federal loans to about 6% on an income based repayment program (estimated 13/14 years to complete per Sallie Mae). I just wanted to see if anyone had any advice for refinance options or any other advice? I'm wary of the discharge programs such as Teach for America or Public Service as my understanding is that those programs can be altered at any time. Thanks!
Personal Finance Deals
g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.amazon.com/Our-Worlds-Story-Eric-Burnett-ebook/dp/B00...

Do you know how we got to here?

Well, if you're like 97.4% of the people walking the planet, you haven't got a clue. Sure, you might know a bit about a couple rivers in Mesopotamia, how Socrates wandered around Athens asking questions or how Martin Luther got ticked off one day and nailed a really long essay to the door of a church. But to be honest (and don't be embarrassed), you've got some gaps.

Be dense no more. In "Our World's Story," Eric Burnett takes you through all the major tales, traditions and turning points of world history - not just European history, but WORLD history. You'll figure out real quick that the West might have had some crowning moments, but for the whole of human history, it's been the Persians, the Indians, the Chinese, the Muslims or some horse peoples from the steppe that have truly turned us into the clever little creatures we are today.

And when most world history books fade off once the Cold War comes to a close, this sometimes cheekily-written tome just gets going. It finishes with a distinctively comprehensive look at the 21st century challenges facing the nine major regions of today's world - Africa, Latin America, Japan, China, the Middle East, India, Russia, Europe and the United States.

"Eric Burnett expertly understands exactly what his audience wants to know, what they need to know. A page-turning account of our proudest achievements and our most colossal bumblings. It's world history for the rest of us." - Ibn Battuta



An Introduction to World Religions
http://www.amazon.com/gp/product/B00CSC1XD6

A companion to a Sophomore level introductory course in World Religions. Developed initially to accompany a course (REL.2300) offered at Eastern Florida State College.
This text is designed to serve as either a Companion Text (to be used along with a typical commercial text) or as a stand-alone text for an introduction to the field of World Religions.
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g: 0 Posted By: remick
Views: 82 Replies: 0 http://www.amazon.com/gp/product/B007Y1OS4M

Author and official coupon fashionista, Charmaine Gerber has had nearly a two decades of experience in the fine art of frugalness in the kitchen and she estimates she saves her family around 5 thousand dollars a year with a simple system that anyone can implement.

Despite her frugalness in the kitchen her family is well fed and they enjoy healthy, delicious meals every time.

The secret according to Charmaine is simple It is a combination of smart planning, shopping and cooking. It isnt rocket science, but if you follow my guide, I will show you hundreds of tips that will save you thousands of dollars in the kitchen every year and also leave your family healthier as a result. The choice is yours, you can harness all of my tips and save even more money or select which tips are right for you and still enjoy significant savings.

Just a sample of the many techniques covered in the book are:

Her system of selecting meat and produce that ensures you get both healthier food and enjoy significant savings as a result.

Tips for stocking and storing produce to maximise your savings and ensures that your food maintains as much quality as possible over time.

Tips to turn boring leftovers into exciting lunches that your kids will look forward to eating. Included are a number of recipes and ideas to work with.

A comprehensive guide for how long you can store each type of food so you can plan out months in advance.

Bonus 30+ recipes for delicious, healthy meals that wont bite your purse (or your wallet).

If you are looking for a way to give your family healthier meals, save time and also save thousands of dollars a year in the process, this is the book for you.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 53 Replies: 0 A New Origin Story: Step into an open world adventure that offers a realistic take on being superhuman
Choice and Consequence: Witness how the city, the people you encounter, and even the story itself is all affected by the actions you take
Control Multiple Powers: Draw powers out from other superhumans, creating your own set of distinct powers to use as you see fit
Freely Explore the City of Seattle featuring highly detailed environments, realistic weather, reflections, shadows and lighting

www.amazon.com/dp/B00HGLLRV2/ref=gbsl_tit_l-1_0942_b8d283f3
PS4 Games Deals

Amazon Coupons
Tips for my last AOR for the forseeable future?
Added on : Monday May 26th 2014 12:00:11 PM
g: 0 Posted By: bytem3
Views: 58 Replies: 0 ETA: I need to do this by Thursday (5/29).

I have some CCs with annual fees about to become due. Since I may be moving to Canada shortly (and should be able to hit several thousand in USD spend; after that, most/all spend would be in foreign currency), I'd like to get in one final AOR. Air Canada (Star Alliance) is the main airline that services the nearby airport, though it is also serviced mostly by Air Transat, Alaska, Delta, Lufthansa, United, and WestJet. There is also a nearby airport that is serviced by Alaska, Allegiant, and Frontier. I am generally more interested in travel miles (for first class international flights) than hotel nights, but am open to suggestions. I haven't checked my credit score in a while, but it's usually 750+. Last mini-AOR was in February.

Cards I currently have:
Chase: Ink Plus, Freedom/Marriott/IHG; IHG up for renewal, but think I will keep it; I got the Ink Plus in February, but think I just passed the 90-day mark a week or two ago, but didn't think to ask Chase to match the ongoing 60k signup bonus offer
Amex: PRG/BCP/Costco; BCP and PRG up for renewal - have all the MR points unused, but not sure what to convert/transfer the MR points or the cards to
Discover: It
Barclays: Arrival; up for renewal, previously denied any promo/retention offer, and they recently changed the card to their new Arrival Plus World Elite...should I keep this card? Apparently, now more things qualify as travel purchases for 2.2% Cash Back redemption.
US Bank: Cash+/general
BoA: Better Balance Rewards
FIA: Amex/Visa

Cards I am thinking about:
- US Bank Club Carlson 85k promo (50k first purchase, 35k after $2.5k) - not sure if I should get Visa Premier ($75 AF, more perks) vs Business Rewards ($60 AF, but fewer perks) -http://www.clubcarlsonvisa.com/credit/compare.do
- Chase Bold Plus 60k promo ($5k spend, $95 AF waived 1 year)
- ?Chase Sapphire Preferred
- ?Chase United
- ?Amex Starwood
- ?Amex Delta Gold (35k with $1k spend and $50 statement credit on a Delta purchase; $95 AF waived) - now, this card has no FTF. It is a bit confusing, though, since this is a targeted offer I receive after entering my SkyMiles # and last name, but it says "For Personal Use: Welcome bonus offer not available to applicants who have or have had this product" and I already got this card two years ago and held it until just over 12 months ago.
- ?Barclays US Air 40k (first purchase, $89 AF not waived); I already have ~40k miles from getting this same card ~two years ago

Things I'm also thinking about:
- ?What to do with the 50k Amex MR points attached to the PRG? (downgrade to a no-AF MR card?)
Discussion Deals
sears.com $160 Coleman Back Home Instant Screen Room
Added on : Monday May 26th 2014 12:00:06 PM
g: 0 Posted By: DaysFan
Views: 139 Replies: 0 Sears.com Coleman Back Home Instant Screen Room $160.99 Coleman Back Home Instant Screen Room

Regular price $229.99
Your savings -$69.00

$160.99
http://www.sears.com

Item # 00698495000PModel # 2000004413


12 X 10 shelter footprint for over 120 sq feet of shade
High quality Coleman Patented instant shelter frame sets up in less than 60 seconds
Simple, exclusive Coleman push button release levers
Center height is over eight feet tall
Accessory screen included, protects from insects and provides additional shade from the sides
Screen has two zippered doors for simple entrance and exit
50+ UVGuard protection factor...

Sports & Outdoors Deals

Sears Coupons
g: 0 Posted By: dataflux
Views: 179 Replies: 0 Lowes has 2 packs of kobalt brand locking pliers or triple cut shears marked down from 17.99 to 3.50. I found these on the standard Lowes clearance rack in the middle of the store. Item numbers are

Locking pliers 498287
Cutting shears 498922

As with all Lowes clearance YMMV. I am located in San Antonio and found these at the 1604 @ culebra store. They had about 20 of each as of 2pm
Tools Deals

Lowe's Coupons
g: 0 Posted By: anonguy
Views: 5 Replies: 0 Stockfocususually offers trial subscriptions (anywhere from 1 to 5 months) to about 130+ investment newsletters of all stripes for $17.50 each. I have used them in the past for sampling different strategies and have never had a problem. This weekend they have a 50% off sale, bringing your cost down to just $8.75 per subscription.

"Remember to enter the coupon code2014summer50in the coupon field when you check out to receive 50% off all of your purchases on stockfocus.com. This coupon is good through midnight Tuesday the 27th of May, 2014."
Sylvania LED 6" can light retrofit, dimmable - $19.99 @ Menards
Added on : Monday May 26th 2014 07:00:03 AM
g: 1 Posted By: spanky42
Views: 206 Replies: 1 I hadn't seen the Sylvania retrofits before, but I found them in the today's Menard's ad for $19.99. Anyone have any info or experience with these? I hope they are ok because I bought 14 of them for my remodel!
They are 700 lumen, 2700k or 3000k color (I bought the 3000), 10w (65w conversion), dimmable, box says Ultra series.
Beats the best current price of $24.99 at HD for 6" LED.
Looks like the same one at am@zon, but for $33....link
Attached is a pic of the ad, for some reason there isn't a direct link to those lights online.
Also attached is a pic of the box.
I also bought the 4" Feit for $22.99 next to them in the pic. I've heard people don't like Feit LEDs though?
Home & Garden Deals
SEGA 48-Game Mega Arcade Pack $4.96 @ Amazon for Steam
Added on : Monday May 26th 2014 06:00:07 AM
g: 0 Posted By: Nov032007
Views: 161 Replies: 2 Linkazon

48 old school Sega Genesis games for digital download through Steam. You will end up with 12 Steam keys you need to enter for this deal.

Golden Axe
Altered Beast
Comix Zone
Ecco the Dolphin
Gain Ground
Shinobi III: Return of the Ninja Master
VectorMan
Crack Down
Shadow Dancer: The Secret of Shinobi
Space Harrier II
Alex Kidd in the Enchanted Castle
Bonanza Bros.
Columns
Ecco Jr.
Eternal Champions
Fatal Labyrinth
Galaxy Force II
Kid Chameleon
Ristar
Super Thunder Blade
Alien Storm
Bio-Hazard Battle
Columns III
Sword of Vermilion
Virtua Fighter 2
Ecco: The Tides of Time
Decap Attack
Flicky
ESWAT: City Under Siege
Golden Axe II.
Alien Soldier
Gunstar Heroes
Landstalker: The Treasures of King Nole
Light Crusader
Shining Force
Shining Force II
Shining in the Darkness
Streets of Rage
Streets of Rage 2
Wonder Boy III: Monster Lair
Sonic 3D Blast
Dr. Robotnik's Mean Bean Machine
Sonic Spinball
Sonic the Hedgehog
Sonic the Hedgehog 2
Sonic 3 & Knuckles
ToeJam & Earl
ToeJam & Earl in Panic on Funkotron
Video Games Deals

Amazon Coupons
Asus Taich21 UH51 refurb for 449.99 at Newegg after MIR
Added on : Monday May 26th 2014 06:00:03 AM
g: 0 Posted By: RedWolfe01
Views: 4 Replies: 0 ASUS TAICHI21-UH51 Intel Core i5 3317U (1.70GHz) 4GB Memory 128GB SSD 11.6" Touchscreen Ultrabook Windows 8 64-Bit

I had one of these from Microcenter but ended up returning it for a minor HW issue that I didn't want to deal with ASUS over. This is as low as I have ever seen this on refurb.

I may get one of these, its a rather nice small tablet/ultrabook combo. Note that this has two separate displays, one is touch enabled and one (over the keyboard) is not.

Free products @ Allure first 500 people
Added on : Monday May 26th 2014 04:00:14 AM
g: 0 Posted By: puggle
Views: 158 Replies: 0 The FREE Full-Size Beauty Products From Allure will start on Monday June 2-5! These will all go live at Noon Eastern Time and they are for the first 500 people who sign up! Below is the list of freebies that they will be offering. These are all full size products. *We will post daily reminders for these each day. You can see the Time Zone Chart Here.
June 2 CARESS BODY WASH IN EMERALD RUSH
June 3 PUREOLOGY FABULOUS LENGTHS TREATMENT
June 4 MAYBELLINE NEW YORK PUMPED UP COLOSSAL MASCARA
June 5 WET N WILD EYESHADOW PRIMER IN FOR MY PRIMAS


http://www.allure.com/free-samples
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 114 Replies: 0 G&L Tribute Fiorano GTS Electric Guitar Transparent Red Rosewood Fretboard w/ Padded G&L Guitar Case $349.99 FS MF

http://www.musiciansfriend.com/stupid

Product Description

G&L founder Leo Fender had a vision for a new guitar, and his partner George Fullerton sketched that vision. G&Ls Steve Grom uncovered the sketch three decades later in Leos workshop, and his colleague Paul Gagon set about turning the vision into reality. He enlisted Jackson Guitars founder Grover Jackson a long-time friend and collaborator to contribute.

The result is an instrument thats steeped in rock-guitar history but groundbreaking: the Fiorano, the first set-neck, 25-scale, three-tuners-to-a-side guitar G&L has ever offered. Its a striking instrument and, quite simply, it rocks.

It joins the pioneering 24-scale Ascari in G&Ls Tribute Series, and it delivers on its promise. The 24-fret neck and Gagon-designed humbuckers are made for brutal riffing and detuned/drop-tuned heaviness but the Fiorino cleans up beautifully when asked.

The sweeping lines and three-by-three headstock (inspired by the original drawing) are both powerful and refined. Fittingly, we named Fiorano after the curvaceous test track of Italys most renowned supercar maker, a place where tradition turns groundbreaking.

G&Ls Padded molded case is a light and flexible case with sturdy side walls to protect your instrument without being too heavy. Covered with a sturdy nylon skin and plush instrument compartment, this case combines the ruggedness of a hardshell case with the flexibilty and lightweight comfort of a gig bag.
Features

Mahogany body with Flame Maple top
Mahogany neck with Rosewood fingerboard
G&L AS4255B pickup in neck position, G&L AW4368B in bridge position; designed by Paul Gagon
3 position pickup selector, volume, tone with push/pull coil tap
Tone-Pros locking C-TPFP bridge and CT1 tailpiece
Includes G&L padded case


Music Deals

Musician's Friend Coupons
Z -Shade 10 x 10 Instant Canopy in-store or FS w/SYW @ Sears
Added on : Sunday May 25th 2014 07:00:01 PM
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 Description Item # 00662538000P Model # ZS1010TALBL
Instant 10 x 10 Canopy provides 64 sq. ft. of shade.

Includes black carry bag.

www.sears.com/shc/s/p_10153_12605_00662538000P
Guide Gear 15 foot x 6 foot Sunscreen Fabric $24
Added on : Sunday May 25th 2014 12:00:02 PM
g: 0 Posted By: DaysFan
Views: 64 Replies: 1 DODX-232385 - CASTLECREEK 15x6' Sunscreen Fabrichttp://www.sportsmansguide.com/net/cb/castlecreek-15x6-sunscreen-fabric.aspx?a=1704446Buyer's Club
$22.49Non-Member $24
Guide Gear 15 foot x 6 foot Sunscreen Fabric
Blocks sun and heat. Breathable fabric lowers temperatures by 15F. It's do-it-yourself custom shade privacy windscreen, specially designed to breathe, allowing air to flow through freely. Also blocks 60% of harmful UV rays. Available in 3 popular colors! Perfect for over a pergola, alongside fencing, over windows, anywhere! No middleman markup!Sun blocker:

Handy 15' x 6' size
Great-looking, premium-grade, breathable fabric
Lockstitch construction resists fraying or tearing
Resists mold, mildew to keep like-new look for years
Blocks 60% of UV rays and lowers temperatures. Weighs 4 lbs.

State Color, as available in the Shopping Cart below. Beat the heat with this durable sun shield! Order ONLINE Today!Please Note: Item may be branded CastleCreek or Guide Gear, product look, specs and functions are exactly the same. Sorry, no choice.CASTLECREEK 15'x6' Sunscreen Fabric
Home & Garden Deals
g: 0 Posted By: Advertisement
Views: 125 Replies: 0 Save 30% on housewares, kitchen & dining, home decor, custom blinds & shades, 40% on bed & bath, furniture, mattresses and window hardware or 50% on ready-made curtains, luggage & blind and shades. Exclusions apply. Valid 5.21 - 6.15.14.

30-50% off Beddingand Sheets
40-50% off Curtains and Drapes
30-40% off Small Appliances

Ends 6/15/14
Home & Garden Deals

JCPenney Coupons
Free Kindle Book- John Lennon. The Life
Added on : Saturday May 24th 2014 07:00:07 AM
g: 1 Posted By: remick
Views: 154 Replies: 0 http://www.amazon.com/gp/product/B00KHSS69W

Here is the first book to fully reveal the amazing story of the rise of John Lennon's group - The Beatles - to fame and fortune.

David Stuart Ryan carried out a great deal of original research into the true background to John, speaking to many of the characters who helped form his intense view of the world. This was backed up with full access to the files of 'Time' magazine. The result is a comprehensive picture of a great artist living at a time of both tumult and awakening.

The author spoke to many of the key people in John's life, including his formidable Aunt Mimi, who brought him up after his mother's marriage hit problems because of the Second World War.

There is Liverpool DJ Bob Wooler, who was perhaps the first to recognize the genius of the Beatles, he presciently wrote 'There will never be another band like the Beatles again.'

That was written while they were still just a Cavern club lunchtime band.

Then you'll meet his first manager, Alan Williams, who in a most weird and almost preordained way, arranged for the unknown group to take up a prestige residency in Hamburg, an engagement that was to transform them from a run of the mill provincial group into a world beating combination of individual talents.

The seething contradictions of a red light district in early post-war Germany where just about anything went were the forcing ground for an entirely new kind of music.

There are many secrets and surprises associated with John Lennon's early troubled life that are hinted at, but never fully revealed, in many of his songs and hits.

'John Lennon's Secret' reveals these to you one by one.

Strawberry Fields was a Salvation Army run home for abandoned children
which lay just behind his aunt's house. Feeling himself abandoned, it had many associations for him, it was where he could be himself, no wonder it is the subject of his most outstanding and haunting song.

All through this fast moving examination of the life of John Lennon you discover sides to him that are little known, even by those who grew up with him, such as Paul McCartney.

There are more revelations about what exactly the relationship was with his musical partner, and the secrets they shared that made them such a formidable team.

As the myth of the Beatles continues to thrive and grow, it is time for you to find out what really went on in the formation of a band who captured the wonder and amazement of the whole world.

There are more than 20 original photographs in the book to take you behind the scenes and chart the rise of the super group to mega stardom and its ways.


Even if you thought you knew the story, prepare for surprises,
and smiles, on every page of 'John Lennon. The Life.'.

This is the true version of events that shook the musical world.

Review from the Mail on Sunday
==========================

WHIZZY WORLD OF JOHN LENNON

"This weird, wild and generally whizzy examination of Lennon's life, loves, lyrics and old laundry lists is a whole lot of fun. Good photos too."
Totally Free Deals
Landlord question: When is a lease agreement considered "done"
Added on : Saturday May 24th 2014 06:00:08 AM
g: 0 Posted By: wajj
Views: 76 Replies: 0 I am a relatively inexperienced landlord -- kind of fell into it when I relocated to take a new job and have had only one (very low maintenance) tenant for the previous two years. Unfortunately, they are moving out. Received a couple of applications and settled on one -- income meets requirements, credit is choppy but acceptable, and the background check service I used came back clean. I verbally extended an offer to rent and emailed them a copy of the lease. As of this time no money has been received and the lease does not have my signature on it and has not been emailed back signed by the prospective tenants.

Now for the potential sticking point. My current tenant is a local city police officer who was at home when I showed the house. He took it upon himself to run the applicants license plate for any issues. He came back with three "dings" for bad checks and one for using someone else's ID in a traffic stop -- all either misdemeanors or settled before they got to court . All are under the applicants name and social security number and all are 4 years old or older. Now, I know I will need to find another company to do background checks as, to me, this should have shown up, but now that I have this information, where do I go from here? My first inclination is to rescind the offer and continue to show the house. I just don't know if my email telling them that the house is theirs to rent constitutes a binding agreement. So, do I continue with the current offer and hope for the best or continue looking for another renter?
Question Deals
g: 0 Posted By: badparet
Views: 167 Replies: 0 Well reviewed GE dishwasher GDT580SMFES slate color, normally $799, on sale $628 at Home DepotandSears now.(dishwasher review,consumer report score 76, 4.5 stars 178 reviews on Home Depot). Standing in Home Depot now, got price matched to Sears price of $578 (Sears price is same minus $50 from sears50 code). Home Depot took extra 10% off as per their policy so price is about $520, plus $59.99 install, $19.99 install kit, $9.99 power cord, and only $2 tax for the kit and cordas no tax charged on an installed appliance. Totals to about $612. Minus 5% off from discover for home improvement stores this quartermakes this about $580 actually total delivered, installed, haul away, and after taxes. Last best price I saw was slickdeals $619 installed back in December. Links to washer on Sears and homedepot below, just use SEARS50 code in cart for Sears to get 578 price, print out screen shot, and go to homedepot store. I personally had no problems getting them to honor the extra 10% off.

sears washer
home depot washer
Appliance Deals

Home Depot Coupons
g: 0 Posted By: Commisioner49
Views: 2 Replies: 0 I'm a National Grid gas customer in Massachusetts and right now they are off a $100 rebate on wi-fi thermostats with a limit of 2. Amazon currently has these for $201.95, not a terrible deal. The deal to be had though is from Comet Supply:

http://www.cometsupply.com/mp/HONEYWELL/pm/HWLRTH9580WF/

$165.18 EACH plus shipping! Here was my breakdown for 2 units:

*WiFiSmartThermostat[2at$165.18=$330.36HONEYWELLmodelRTH9580WF]-----------------------------------------------------------------Sub-Total(2items):$330.36Insurance:$7.47SuperSaverShipping:$7.99Total:$345.82
$345.82 - 200 = $145.82 / 2 = $72.91 each.

I don't think this price can be beat anywhere for these. For MA customers, I attached the rebate form for your convenience.

I had never heard of comet supply, they don't have a fancy website, but after placing my order I had my thermostats in 2 days from Florida. They will be installed this week.
Appliance Deals
Sony PS Move Accessories Kmart Clearance YMMV
Added on : Friday May 23rd 2014 12:00:02 PM
g: 0 Posted By: DarthWoo
Views: 164 Replies: 0 This is a couple days old, but I guess not a lot of people were really looking for PS Move stuff, so there's probably still a lot left. My local Kmart and some nearby ones in southeast PA had PS Move Motion Controllers for $10 and Navigation Controllers for $6. They had apparently had the starter kits (with the Eye, Motion Controller and game) for $20ish a few weeks ago, but there weren't any of those left. Might be something to look for if you still use yours and wanted some extra controllers.
Video Games Deals

Kmart.com Coupons
Canon 85mm f1.8 Refurbished $285+FS+Tax = $304
Added on : Friday May 23rd 2014 12:00:02 PM
g: 0 Posted By: pradeepgj
Views: 185 Replies: 0 I just bought the 85mm f1.8 lens for $285+free shipping+tax=$303.

http://shop.usa.canon.com/shop/en/catalog/05-18-14-tiered-saving...

There are no free shipping codes for refurbs right now, but I had a chat with the rep online, and he gave ne a 2-day-air free shipping code for using online chat.EA9J5Y03. Not sure if it will work for every one or if you have to chat to get one.

With tax, total came out to $303, which I think is not a bad price for this awesome lens. Used ones are selling for $300 minimum if you get lucky.

Sorry, if the deal is not as appealing to you as it was for me.
Cameras Deals

Canon Coupons
g: 0 Posted By: DizzyT71
Views: 204 Replies: 0 Sears has the Z -Shade 10 x 10 Instant Canopyfor $79.99 - $33 off instant savings = $46.99 with free in-store pickup.
Regular Price: $79.99

10-ft x 10-ft.
64 sq. ft of Shade
31.3 lbs.
Made of Polyester w/ White Steel Frame
Include Black Carry Bag
2-Yr Limited Warranty

Home & Garden Deals

Sears Coupons
g: 0 Posted By: DizzyT71
Views: 148 Replies: 0 Groupon has theSesame Street 16-Book Read-Along Nursery Rhymes Set on sale for $19.99 with free shipping on $25+. Otherwise shipping adds $3.99.

Titles Include:

Itsy Bitsy Spider
Hey Diddle Diddle
Jack and Jill
Rock-A-Bye, Baby
Old Woman Who Lived in a Shoe
Hickory Dickory Dock
Little Miss Muffet
Little Boy Blue
Old Mother Hubbard
Good Night
The Evening is Coming
Pease Porridge Hot
Twinkle, Twinkle Little Star
Mary Had a Little Lamb
This Little Piggy
Humpty Dumpty

Books Deals

Groupon Coupons
Colonial Candle: 25% off and Free Shipping, Items from $0.75
Added on : Friday May 23rd 2014 08:00:04 AM
g: 0 Posted By: Llilith
Views: 60 Replies: 0 Memorial Day sale at Colonial Candle - 25% off and free shipping on any order with coupon SUMMER25. There are lots of decent deals in the Salesection, including:

Ivory or white ceramic snap warmer $3.75
Scented votives $0.75
Oval glass scented votives $1.12
3.5oz oval jar candles $2.82
Pillars from $4.69
9-pk tea lights $3.00
Simmer snaps 1.50
Glass tea lights $0.75
Electric wax warmers $7.50
(prices are after coupon)

Unfortunately there doesn't seem to be a low to high sort available, but there are pages and pages of sale items. Happy browsing. Last time Colonial Candle had a FS deal, I got a Clementine Cupcake pillarthat was to die for. It smelled soooo good. Just ordered some votives, glass votives, and some tea lights in that same scent. $16.50 for 4 votives, 4 glass votives, 2 9pk tea lights, and 2 simmer snap packs.


Decor Deals
g: 0 Posted By: ctgolfer
Views: 568 Replies: 0 Free Bonus Content

Shutterfly 8 X 8 Photo Book - Shutterfly [Digital Download Add-On]
Shutterfly 8 X 8 Photo Book - Shutterfly [Digital Download Add-On]
Shutterfly 8 X 8 Photo Book
Codes are usually sent via e-mail within 30 minutes. In some cases it could take up to 8 hours.
Product Features

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
g: 0 Posted By: Xenocrates
Views: 236 Replies: 0 Lenovo P950 Headset w/ Noise-Cancelling Mic- $8.99 AC FS @ Lenovo

Coupon Code:USP1MA546605 - $21 Off

Driver Unit:2 x 27 mm
Frequency Response:125Hz-20kHz
Impedance:32Ω10%@ 1kHz
Sound Pressure Level (SPL):1033dB /1mW @ 1kHz
Rated Input Power : 10mW
Maximum Input Power : 30mW
MIC Muting: Yes
Frequency Response: 100Hz-10kHz
Impedance: 2.2kΩ10% @ 1kHz
Sensitivity: -385dB @ 1kHz 0dB=1V/Pa
Plug: 3.5mm x 2
Cord Length: 1.8m​

Note: These headphones have very hit or miss reviews on the product page and it seems the most lacking part is the mic quality, although a couple reviews said that it was fine. Amazon reviews had about the same score 3/5 starswith a similar set of opinions.

The next best priceis $20.27 @ ShopBLT (or 19.19 @ Amazonbut FSSS or Prime)
Lenovo Deals

Lenovo Coupons
g: 0 Posted By: bpvh
Views: 147 Replies: 0 Office Depot / OfficeMax rebate software for the week of 05/25/2014



McAfee AntiVirus Plus For 1 PC
$6.99 After $8 Instant & $25 Mail-In Savings Visa Prepaid Card
Available at Office Depot and OfficeMax
OD 194-078 \ OM 2416-3138


McAfee AntiVirus Plus For 3 PCs
$9.99 After $10 Instant & $40 Mail-In Savings Visa Prepaid Card
Available at Office Depot and OfficeMax
OD 101-297 \ OM 2416-3129



====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

OfficeMax Coupons
g: 0 Posted By: ctgolfer
Views: 40 Replies: 0 Free Bonus Content

Shutterfly 8 X 8 Photo Book - Shutterfly [Digital Download Add-On]
Shutterfly 8 X 8 Photo Book - Shutterfly [Digital Download Add-On]
Shutterfly 8 X 8 Photo Book
Codes are usually sent via e-mail within 30 minutes. In some cases it could take up to 8 hours.
Product Features

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
Asus VivoBook Q301LA 13in i5 Haswell Touch 349 + FS (Refurb)
Added on : Thursday May 22nd 2014 03:00:02 PM
g: 1 Posted By: Informant
Views: 160 Replies: 0 Thought this was a killer was a killer deal myself. Also had good experience with Asus refurbs. Had to pull the trigger

http://www.ebay.com/itm/331205427060


Details:

Intel Core i5-4200U Processor for multitasking efficiency
Backlit keyboard and ice cool palm rest for a comfortable
typing experienceExperience the all-new Windows 8 for fast performance,
intuitive control, and increased battery life
Key Specifications
Genuine Windows 8
Intel Core i5-4200U Processor
13″ FHD IPS LED Slim Touch
4GB DDR3 System Memory
500GB 5400RPM
UMA
802.11n

Laptops Deals

eBay Coupons
Smokers - Pall Mall $2 pack - CVS ymmv
Added on : Thursday May 22nd 2014 09:00:09 AM
g: 0 Posted By: JaxFL
Views: 77 Replies: 1 SO anyway, I was at CVS to pick up my Viagra prescription, a bottle of wine, the latest Playboy, some Loto tickets... and I noticed at checkout that they advertised $2 off a pack of Pall Malls - shorts (CVS Sale Sign). They ring up at $2.37 pack, however you still get .40 off per pack if you buy at 2. You can get two cartons, yes 20 packs, for some $40 odd dollars. At that price, I thought, how could I not take up smoking. FYI, they also had $1 off the 100's. YMMV based on sale, price, and taxes....
Cheers.
Tobacco Products Deals
Oakley Vault: Up to 75% Off Select Men's Tees w/ FS on $50+
Added on : Thursday May 22nd 2014 09:00:02 AM
g: 0 Posted By: jskins
Views: 13 Replies: 0 Oakley Vault: Up to 75% Off Select Men's Teesw/ FS on $50+

Notables:

Oakley Grade Men's Tee- $12 shipped
Oakley Ditch Men's Tee- $12 shipped
Oakley Reinforce Men's Tee- $12 shipped
Oakley Stripe Shades Men's Tee- $12 shipped



Clothing Deals
More Money = More Problems/Stress? How To Stop It.
Added on : Thursday May 22nd 2014 05:00:12 AM
g: -5 Posted By: robronson
Views: 67 Replies: 7 I started making triple my old salary recently by going into consulting and it's nothing but stress and headaches. Before, when I was making roughly $70k a year, I was really happy maxing out my 401k (to the actual max, not the employer match max), maxing out my Roth IRA, maxing out my iBonds, and I didn't really have much left over after living expenses so I basically spent the rest, with the knowledge I had been doing well in my savings (hitting all the maxes), and was comfortable.

Now I have first-world 1%-er problems because being self-employed I can contribute my employer contribution to the 401k as well. I had to shift around my existing Traditional IRA money into my Solo 401k to be eligible for a back-door Roth contribution (which was a huge hassle because none of the account transfer forms worked as expected so I wasted hours and hours getting this done). I have to max out an HSA. I have two sets of I-Bonds I can max out (individually, and corporation's EIN). I have to pay quarterly estimated tax. I have to avoid overpaying the estimated tax, so I don't give the IRS a tax-free loan, but I have to keep the money liquid and free to pay the tax, so I have to maintain a Rewards Checking account and meet the requirements to get the higher rate on this money. I'm juggling multiple credit cards for their rewards, moreso than before, because of all the businesses expenses I have, reimbursable by the client.

I say "need" and "have to" somewhat facetiously because I don't really HAVE to do those things. But it would cause me great stress to let $5k per year in credit card rewards go unearned because I didn't juggle credit cards on my $10k/month business travel expenses. And it would feel bad to not earn 2% yield in a rewards checking account on $20k sitting there waiting to pay SE Taxes.

I made a spreadsheet to track my estimated earnings throughout the year, for tax planning purposes, and I'll be "in debt" to myself until November. In other words, it's not until November that my incoming consulting money will be enough to max out the 401k, IRA, HSA, IBonds, and pay the taxes owed on the income. If I can't keep getting gigs continuously through November, I'm screwed. My contingency plan is to use money earned in 2015 to pay 2014 employer-contribution 401k, IRA, and HSA because those aren't due until April 2015 (and technically I think my employer-contribution 401k can be paid by October 2015 if I file an extension). Of course, this contingency plan is only kicking the can down the road and I'll have problems meeting my 2015 contribution maxes if I use 2015 income to pay old 2014 "debts" to myself.

I thought making a lot of money was supposed to be fun and stress-free? I just feel like Damocles' Sword is dangling over my head. I don't mean this to be a thread about my personal situation. Let's discuss how more money has led to greater stress in your life and what you've done to reduce the stress.
Discussion Deals
g: 0 Posted By: Ilovebargains
Views: 174 Replies: 0 For anyone who happens to be in the area today is the last day for the Vanity store in the Markland Mall in Kokomo, Indiana. Everything is 70% off the lowest marked price. As of last night they had a lot of jeans and tops and a few dresses and shoes. Hope someone can take advantage of the deals.
Vanity Deals
g: 1 Posted By: gcri
Views: 190 Replies: 0 You can get the Samsung Galaxy Tab 12.2 from Samsung.com for $549.99 and they are including the Bluetooth keyboard cover for free. They also have free shipping (and my order had no tax). Good for the black or white model.


http://www.samsung.com/us/mobile/galaxy-tab/SM-T9000ZWAXAR
Tablets & iPads Deals

Samsung Coupons
PenFed No Closing Costs Mortgage Promotion ... one gotcha?
Added on : Wednesday May 21st 2014 04:00:09 PM
g: 0 Posted By: jrstinkfish
Views: 75 Replies: 0 We applied for a home loan through PenFed and were approved. We asked about the promotion for 5/5 ARMs where PenFed will pay closing costs. The rep told me that both seller AND buyer HAVE to use their preferred title and settlement company for the promotion to apply (in my case, Epic Real Estate Solutions). My agent had never heard of such thing (or heard of the company), and predicted the sellers would balk at having to use a company they didn't choose. We submitted the offer anyway with the requirement, and as expected, they agreed with everything except having to use PenFed's preferred company. The seller agent had the same reservations as my agent -- both obviously want to sell the home for what we're offering, but apparently this is so out of left field that it's making our (very good, imo) offer go sour.

To the people who have successfully used this promotion to cover their closing costs in the past, were you also required to have both parties use PenFed's preferred company? We can afford closing costs, but between paying $1000 or whatever PenFed does not pay, vs paying $7000, seems like a better deal for us
Discussion Deals
O2 Cool 5 inch USB powered fan $2.99 at K Mart BM ($33.00 on Amazon)
Added on : Wednesday May 21st 2014 10:00:04 AM
g: -1 Posted By: dpuopolo
Views: 461 Replies: 3 I was at K Mart last night and they had these cute little 5 inch portable USB powered fans on closeout for $2.99. They also come with a 1 amp AC to USB power adapter, which normally costs a couple bucks more then this all by itself. The fan is pretty cool actually (pun intended).
Here's a link to the exact one: http://www.amazon.com/O2COOL-Portable-USB-Electric-Black/dp/B006...


Electronics Deals

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

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

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

I know this is a very small sample. But subjectively this price perception hurting sales has driven me nuts.
I don't know that theres much advice to given other than OP you're not telling us enough. But I'm just venting
I guess. The flea market 200-300% markup thread made me think of this again. Now hopefully I'll forget this.
Belkin N150 Wireless router: $2.99 at K Mart (YMMV)
Added on : Wednesday May 21st 2014 09:00:06 AM
g: 5 Posted By: dpuopolo
Views: 1252 Replies: 5 I was at K Mart last night and they had a bunch of Belkin N150 (F9K1001 v1) wireless routers on clearance for $2.99. Not DD-WRT compatible but at this price they're worth it for just the 12 volt 1 amp power supply and net cable.
Routers Deals

Kmart.com Coupons
YMMV Levis In Store Clearance -- Jeans $15 or less
Added on : Wednesday May 21st 2014 09:00:05 AM
g: 0 Posted By: ebrooksbay
Views: 181 Replies: 1 I know this is YMMV, but it seems like maybe it is clearance season for Levis


I scan their clearance half a dozen times a year when I happen to walk by the store, and I just snagged 10 pairs of jeans for ~$15 each. Tons of styles all priced $24.90 and below--and my store had an additional 40% off clearance on top of that. Usually I can only find one or two pairs in my size and usually they are the more unusual colors. Today I found 10 pairs in about 8 styles and only one of the pairs rang up at more than $15 after the 40% despite some of them still having higher prices on the tags.

Anyway, I thought this might help someone out--I'm set for a few years now! Good luck!

I was at the Santa Barbara, CA store.
Clothing Deals

Levi's Coupons
Your Choice of Refurbihed VIZIO LED Smart TV $159.99$1,229.99 @ Woot
Added on : Wednesday May 21st 2014 08:00:07 AM
g: -2 Posted By: ctgolfer
Views: 625 Replies: 3 shipping adds $5

The E-Series Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value
1080p Full HD resolution delivers ultimate detail and lifelike colors for a crystal-clear picture (70", 65", 47", 42", 39" & 24" models)
720p high definition resolution for a clear, lifelike image (32" model)
From true blacks to pure white and every shade in between, this VIZIO HDTV delivers a dazzling contrast that displays each image with spectacular intensity and realism
VIZIO Internet Apps with built-in Wi-Fi is your passport to a world of entertainment, movies, TV shows and more. All on your schedule, directly to your HDTV
Featuring all your favorite apps, from Amazon Instant Video to Facebook, plus hundreds more from the Yahoo! Connected TV store, to bring the best of the web right to your screen
120Hz Effective Refresh Rate presents action packed sports and movies with a smoothness and stability that captures every image in astonishing detail (not available with 32" & 24" models)
A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space
Energy efficient sensors auto-adjust brightness for the perfect picture regardless of room conditions (not available with 24" model)
SRS/DTS StudioSound HD delivers immersive surround sound, deep bass, clear dialog and level volume
Models:

70" E701i-A3 :: $1229.99
65" E650i-A2 :: $1049.99
50" E500i-A1 :: $479.99
47" E470i-A0 :: $399.99
42" E420i-A0 :: $349.99
40" E400i-B2 :: $329.99
39" E390i-A1 :: $299.99
32" E320i-B2 :: $209.99
24" E241i-A1 :: $159.99

www.woot.com/offers/your-choice-of-vizio-led-smart-tv-1




Daily Deals

woot! Coupons
Free Kindle Book - Changin Times: 101 Days That Shaped a Generation
Added on : Wednesday May 21st 2014 07:00:06 AM
g: 1 Posted By: remick
Views: 82 Replies: 0 http://www.amazon.com/dp/B00KDHP0IW

Fifty years on, November 22, 1963 continues to resonate. For most of us, that was when America lost its youthful leaderas well as a certain amount of innocence. But it was also the day that, over in Britain, the making of a cultural tsunami was taking shape. That Friday saw the release of With the Beatles, the second album from what would soon be called Englands Phenomenal Pop Combo.

The story of the New Frontier giving way to the British Invasion is thus inextricably intertwined in public memory. Sadness and loss were soon eclipsed by joy and exhilaration brought on by this novel act when they arrived in the states months later. On February 9, 1964, it is no exaggeration to say that America was once again united before their television sets in a way they hadnt been since the awful events of the previous autumnthis time, for more positive reasons.

The Beatles debut on The Ed Sullivan Show was a watershed event that quite literally changed countless lives. But in the years since that momentous occasion, conventional wisdom has conflated the two events: the youth of America got over their grief when these four youngsters from Liverpool cheered them up with their exuberance and charm. It was as though without a national tragedy first occurring, the road to the groups success and acceptance here might not have happenedat least not on the same hysterical scale.

As detailed in Changin Times: 101 Days That Shaped A Generation, pop culture historian Al Sussman challenges this media-fueled mythology, describing the cultural British Invasion already well underway before President Kennedy ever went to Texas. Likewise, the notion that the December 1963 success of The Singing Nuns Dominique, chalked up to a mourning country in no mood for rock n roll, is belied by The Kingsmens inscrutable Louie Louie simultaneously dominating local markets.

Changin Times takes you on a journey back to a very singular moment of transformation in American Historyfor a generation, and for the world as well. Sussman leaves no cultural touchstone unturned, revealing how, in Dylans words, the times they are a-changin was no overstatement.
Totally Free Deals
Belkin N150 Wireless router: $2.99 at K Mart
Added on : Wednesday May 21st 2014 06:00:02 AM
g: 2 Posted By: dpuopolo
Views: 228 Replies: 0 I was at K Mart last night and they had a bunch of Belkin N150 (F9K1001 v1) wireless routers on clearance for $2.99. Not DD-WRT compatible but at this price they're worth it for just the 12 volt 1 amp power supply and net cable.
Routers Deals

Kmart.com Coupons
O2 Cool 5 inch USB powered fan $2.99 at K Mart ($33.00 on Amazon)
Added on : Wednesday May 21st 2014 06:00:01 AM
g: 0 Posted By: dpuopolo
Views: 137 Replies: 1 I was at K Mart last night and they had these cute little 5 inch portable USB powered fans on closeout for $2.99. They also come with a 1 amp AC to USB power adapter, which normally costs a couple bucks more then this all by itself. The fan is pretty cool actually (pun intended).
Here's a link to the exact one: http://www.amazon.com/O2COOL-Portable-USB-Electric-Black/dp/B006...


Electronics Deals

Kmart.com Coupons
Free 7-Piece Gift with $32 Clinique Purchase + FS @ Nordstrom
Added on : Wednesday May 21st 2014 12:00:07 AM
g: 0 Posted By: fivetalents
Views: 187 Replies: 0 Nordstrom is offering a Clinique bonus with $32 purchase (an $85 value), available in store or online. Offer good while supplies last.

With your $32 Clinique purchase, get an exclusive Tracy Reese bag packed with seven Clinique favorites.

YOU WILL RECEIVE:
Even Better Eyes Dark Circle Corrector (0.1 oz.)
Rinse-Off Eye Makeup Solvent (2 oz.)
Dramatically Different Moisturizing Lotion+ (1 oz.)
Even Better Dark Spot Correcting Hand Cream Broad Spectrum SPF 15 (0.5 oz.)
Different Lipstick in Raspberry Glace
High Impact Mascara in Black (0.14 oz.)
All About Shadow Trio in three shades from Going Steady Quad

Online and in store. One per person, while supply lasts. Gift will be added automatically in Checkout, can only be shipped to the same destination as your order and cannot be shipped to PO boxes, military APO/FPO or international addresses. If you return the qualifying item(s), please return the gift as well.

As usual, you can choose up to 3 free sample with any beauty purchase.

Free shipping. Free returns. All the time. No minimums.
Makeup Deals

Nordstrom Coupons
Your Choice of VIZIO LED Smart TV $159.99$1,229.99 @ Woot
Added on : Tuesday May 20th 2014 11:00:02 PM
g: 0 Posted By: ctgolfer
Views: 72 Replies: 0 shipping adds $5

The E-Series Smart TV is shattering the mold in a way only VIZIO can, with high-quality design and picture at the best value
1080p Full HD resolution delivers ultimate detail and lifelike colors for a crystal-clear picture (70", 65", 47", 42", 39" & 24" models)
720p high definition resolution for a clear, lifelike image (32" model)
From true blacks to pure white and every shade in between, this VIZIO HDTV delivers a dazzling contrast that displays each image with spectacular intensity and realism
VIZIO Internet Apps with built-in Wi-Fi is your passport to a world of entertainment, movies, TV shows and more. All on your schedule, directly to your HDTV
Featuring all your favorite apps, from Amazon Instant Video to Facebook, plus hundreds more from the Yahoo! Connected TV store, to bring the best of the web right to your screen
120Hz Effective Refresh Rate presents action packed sports and movies with a smoothness and stability that captures every image in astonishing detail (not available with 32" & 24" models)
A slim frame design with ultra thin profile makes this a stunning entertainment centerpiece in any living space
Energy efficient sensors auto-adjust brightness for the perfect picture regardless of room conditions (not available with 24" model)
SRS/DTS StudioSound HD delivers immersive surround sound, deep bass, clear dialog and level volume
Models:

70" E701i-A3 :: $1229.99
65" E650i-A2 :: $1049.99
50" E500i-A1 :: $479.99
47" E470i-A0 :: $399.99
42" E420i-A0 :: $349.99
40" E400i-B2 :: $329.99
39" E390i-A1 :: $299.99
32" E320i-B2 :: $209.99
24" E241i-A1 :: $159.99

www.woot.com/offers/your-choice-of-vizio-led-smart-tv-1




Daily Deals

woot! Coupons
need advice: Amazon seller experience gone bad
Added on : Tuesday May 20th 2014 07:00:08 PM
g: -1 Posted By: flap
Views: 25 Replies: 0 My fellow citizens of FW, I need *helpful* advice on how to handle a situation selling an item through Amazon. Here's the situation:

1. I sold a brand new, factory sealed electronic item through my Amazon.com seller account. Item was shipped to buyer (trackable shipping) and received by buyer.
2. Buyer contacted me via Amazon email requesting to return the item because he changed his mind. This reason is logged in Amazon emails ("no longer want/need" is the exact wording).
3. I replied to buyer saying that is not an acceptable reason to return and that he needed to keep the item & pay for it.
4. Buyer disputed this with Amazon.
5. Amazon sent me an email about the dispute (without any reason in the email why they supported the buyer's back-out) and flagged a notification in my Amazon.com seller account. In the email, Amazon stated that I had 7 days to reply.
6. (Unfortunately for me, since I was not expecting any emails from Amazon, I was not checking my email associated with my seller account nor was I logging in to my seller account.)
7. Seven days passed and Amazon refunded the buyer the full amount, taking the funds from my seller account.
8. A couple of weeks passed and I finally happened to check my seller email and found out that #4 - #7 above happened.
9. I emailed Amazon and the buyer, independently, about the incident and requested either repayment or that the buyer send the item back to me.
10. Amazon took a hard-line stance saying that since I didn't respond in the 7-day window that the case was closed and there was nothing they would do to rectify the situation.
11. I sent an escalation email to Amazon and a 'Chris S' replied saying the case was closed, no possible recourse.
11. The buyer does not respond to me and in fact complained to Amazon that I was sending 'inappropriate' emails to him (fact is there was nothing inappropriate. I said that if he didn't return the item or pay for it that I considered it theft and would pursue it as such).

I'm incredibly disappointed/furious with Amazon on this. They refuse to assist me or provide any avenue for resolution even though I would think this behavior falls into unlawful territory. I don't believe I did anything wrong in this (am I'm being blind!?) and feel that I'm the victim of theft. The item was worth a few hundred dollars. Now I am out the *item* and the *money*. I do have some lawyer acquaintances who I can bring into this if needed. I also know where the buyer lives (in CA), his profession (realtor), and his phone.

Fellow FW friends, what should I do ? (walking away from this, eating the few hundred dollars and chalking it up to life's lessons isn't the FW way )

Question Deals
Easy Short Cut to Starwood SPG Platinum Elite Status
Added on : Tuesday May 20th 2014 06:00:04 PM
g: 0 Posted By: herzog
Views: 153 Replies: 0 copied from therewardboss.com

Want a short cut to get Starwood Platinum Status?
It takes 25 stays or 50 nights to earn Starwood SPG Platinum Status, which I think is the most rewarding Hotel status. This is not easy for the average person to attain but here is a short cut:

If you link a Starwood Amex credit card to your SPG account, you get 2 stays / 5 nights credit towards elite status and if you have both the personal and the business card you will get double that: 4 stays / 10 nights. Thats supposed to be the maximum allowed, but if you add a few more cards, you will get 2 stays / 5 nights for each card, so it is possible to earn Platinum status with just a few stays if you link a bunch of cards linked to your account.

Testing it out
Ive been testing out to be sure it works. I had both the business and personal cards so I expected to be credited 4 stays / 10 nights as they did last year. Instead I noticed there were way more stays/nights in my account 8 stays / 20 nights and that was because I had 4 accounts linked (my two plus two family members). As another test, I had another family member put my SPG # on their account and sure enough, I received another 2 stay / 5 nights shortly after. Im not sure what the maximum is here, but Im now 10 stays / 25 nights closer to Platinum half way if I qualify by nights. A friend has confirmed the same results and it seems it works if you link your friends accounts. In prior years I had more than 2 cards linked and it always maxed me out at 4 stays / 10 nights.

Will it last?
Im not sure. If its a bug and they fix it I will need more nights to requalify for Platinum again this year.



How To Sign Up
American Express is currently offering 25,000 SPG points to sign up which is pretty good (they do offer 30k -[click link to see previous offer] sometimes, but who knows when it will happen again). I dont get any commission if you sign up here are 3 ways to sign up.

1) Direct Links to Sign up:

SPG Amex Business credit card: 25k Bonus after spending $5k in 6 months, $65 annual fee waived first year
SPG Amex Personal credit card: 25k Bonus after spending $5k in 6 months, $65 annual fee waived first year

2) If you want to support me, I can refer you and I will get 5k points. I know its a bit more work (I do appreciate it) but will understand if you prefer the easier method #1 or #3. Email me your first/last name, email address (click here to send me an email), and if you want the business or personal card. You can also refer yourself or a family member for an additional card by clicking here and get the 5k referral point bonus yourself.

3) If you want to support your favorite blogger, apply for a card using one of their links. Heres a couple to check out ViewFromTheWing, OneMileAtATime, MommyPoints, MightyTravels (it seems none of them are getting any commission at this time).


It will help you re-qualify if you are short a few nights
If you think you may fall short of re-qualifying for Platinum this year or if you would like to attain Platinum status, signing up for these cards will help. Unless you are currently working towards a minimum spend requirement to get a sign up bonus, this is my favorite card to use to because the SPG points are very valuable.



Are you I eligible for the sign up bonus if I had the card in the past?
Not too long ago, there were many posts stating that American Express will no longer allow repeat bonuses. That means you can only get one bonus per card per person per lifetime for new accounts starting May 1, 2014. See the posts here: FrequentMiler, Milepoint, and Flyertalk, beginning May 1, 2014. As far as I can tell, the terms and conditions on the application doesnt include this language and say you are not eligible if you had the card in the past 12 months. To me that means the new rules have not gone into effect.

How to get more stays towards elite status
Dont forget that award stays also count towards elite credit and that members are allowed to receive credits for up to 3 rooms per stay (for example: you plus 2 more rooms for friend). I know some people do mattress runs at your closest Category 2 hotel which costs a only 3,000pts per room per weekend night (Saturday and Sunday). Obtaining / re-qualifying for Platinum status this year means you will retain status for all of 2014 and 2015, with the expiration Feb 28, 2016! Personally, I prefer to re-qualify hitting 50 nights instead of 25 stays with the main advantage that Plat50s receive 10 suite night awards (SNAs). Platinum members qualifying with 25 stays, you are at the mercy of the check in agent for suite upgrades (but I often get upgrades anyway at most Starwood hotels). For Plat50s that would like a confirmed suite and apply SNAs to the reservation, the system begins checking for suite availability 5 days prior to check-in. If the standard suite is available, its yours and confirmed via email! A friend has successfully redeemed 28 out of 30 SNAs mostly great redemptions such as (click the link to see the property and suites):

the Fantastic Suite at W Guanzhou,
the Executive Suite at the Westin Guanzhou,
the Pualani Suite at Sheraton Waikiki,
the Deluxe Suite at the Equinox hotel Chares Orvis Inn, and
the One Bedroom Suite at Le Westin Tremblan
Here is the full SPG Platinum Member Guide
Credit Deals
What could my crazy mother being attempting, now?
Added on : Tuesday May 20th 2014 03:00:06 PM
g: 0 Posted By: Dus10
Views: 60 Replies: 3 I will attempt to keep this short. I am essentially estranged from my mother. She divorced my father when I was five and then he died a few months later in an auto accident; they were married for just at five years. She remarried a few years later and the relationship begat my half-sister. After over 20 years of being married, they have now divorced. My mother is a lazy-drunk-drug-addict.

I get a text from her today asking for my father's social security card and death certificate, which she says she gave me (I don't think that ever happened).

So, I want to know what she is trying to do. Here are my thoughts:

1) Try and get social security spousal death benefits: I don't think that they were married long enough for her to be entitled to anything. I (my mother) received social security survivor benefits until I graduated high school and got married. I thought the amount of time that someone had to be married for retirement benefits was seven years... well, she isn't old enough to collect any retirement benefits, and they were married when he died, so I don't think so. One of her loony friends may have given her the idea, though.

2) Maybe she is going to try and open credit in his name: Long shot, but I think she stole my identity at one point, anyhow. The death certificate request could just be "cover" for asking for his social security card. His SSN is searchable online, but I am not telling her that.

Is there any chance that she could be successful in pulling either of these off? Is there any other obvious thing I could be missing? Should I contact the authorities?
Question Deals
g: 0 Posted By: hellokitty27
Views: 135 Replies: 0 6PM has the Under Armour Men's Imminent Run 1/4 Zip Jacketfor $29.99 w/ free shipping. Available in Black/Red/Reflective, High-Vis Yellow/Aluminum/Reflective or Moon Shadow/High-Vis Yellow/Reflective. Next lowest price from a rated seller on Google Shoppingis $39.97.

Regular fit has a modern cut that hugs the body while still leaving room for movement.
Four-way stretch allows a wider range of movement and accelerates dry time.
AllSeasonGear technology transports moisture away from the body, promotes ventilation, and helps regulate your core temperature in changing conditions.
Anti-odor technology repels odor and inhibits bacterial growth to keep you fresh.
Stand collar delivers additional warmth and protection.
Front zip opening allows increased and adjustable ventilation.
Raglan sleeves allow arms full range of movement and eliminate shoulder seam chafing.
Cuffs with thumb loops extend coverage to keep hands warmer.
Media-friendly Napoleon zip pocket.
Reflective elements increase visibility in low-light conditions.
84% polyester, 16% elastane.
Machine wash cold, tumble dry low.
Imported.

Clothing Deals

6PM Coupons
WalletUp: CreditCards.com & Wallaby CC recommendation tool
Added on : Tuesday May 20th 2014 08:00:08 AM
g: 0 Posted By: BostonOne
Views: 50 Replies: 0 Wallaby (remember them?) and CreditCards.com just announced WalletUp, a credit card recommendation tool.

https://walletup.creditcards.com/app

You need to register to use it, then you are asked for your current credit cards, income, credit score range, and monthly spend in various categories. Optionally, they ask you to connect with the credit card accounts you already entered. I did not do that, but I assume it would be to automatically fill out the category spend piece.

Here are my quick thoughts after signing up & going through the process.

If you are already credit card, bonus & reward savvy (like much of FWFers), this isn't very useful for you. I put in the cards I had and my typical monthly spend and the results were recommendations that were not as good as the cards I already had. That said, it may be useful to folks who aren't already trying to optimize their rewards, but even then, not perfect. When I removed most of the cards from my profile, it didn't recommend obvious choices like the Sallie Mae card or Fidelity card. It did recommend the SPG card, which is perfectly respectable.
Discussion Deals
New driver with $5k car damage. Please help me decide what to do.
Added on : Tuesday May 20th 2014 08:00:08 AM
g: 1 Posted By: vholic
Views: 202 Replies: 9 I'm a driver in my 30s, however I only got my driver license recently (Oct 2012). I live in MA with a full coverage insurance for $3,033/yr with $1,000 deductible.

Car info:
2009 Mazda 3 S Touring Hatchback 41,500 miles
Purchase used in Jan 2013, paid cash OTD $16K (incl tax & everything)
Blue Book value as of today: Trade in to dealer in fair condition $10K
Recent repairs: $1K for one new tire, one new axle/CV joint, all new rotors (Apr 2014)

I got into an accident in an underground parking lot last Sunday. I hit the cement support beam when backing up and had some damage to the left side of my car. All lights are still functioning after the accident. Pic attached.
I went to 2 reputable body shops. Body Shop A quoted me $5,500 (big shop, everything is guaranteed). Body Shop B (mom&pop) but also reputable quoted me $4,200 insurance or 10% disc if I don't do insurance.
The car needs a new quarter panel, bumper and rear lights-left side.

Please help me decide what to do:
1. Do nothing. Knowing that I'm a new driver, I don't think this will be my last accident. I will use this car as my "training wheel" for 3-4 years.
2. Claim my insurance. I will get 4 points in my record for 5 years. Insurance will incr to $3,917/yr. My out of pocket will be $1K ded + 2 weeks of rental car (found out that I don't have rental coverage).
3. Pay the repair out of pocket.
4. Go to a cheap/somewhat shady place looking for a repair that costs half as much (~$2K).
5. Sell my car as is (maybe ~$6K?) and get a crown vic.

I'm leaning toward option 1 right now. Need some opinions on pros & cons. Thanks in advance.

Pic: http://i.imgur.com/DhdxvdO.jpg

Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 164 Replies: 0 Fujinon 30x optical zoom and super macro
Fujinon zoom lenses with fast apertures of f/3.1 to f/5.9 With 15 elements in 11 groups, the lens combines aspherical and ED elements to good effect for reduced aberration and superior image quality. With super-macro mode capturing subjects as close as 2 cm from the lens, the FinePix F6800 seamlessly covers an enormous focal range with no need to ever change lenses.
6 scene SR AUTO (scene recognition auto)
Framed scenes are automatically detected and selected into appropriate camera settings: portrait, landscape, night, macro, night portrait, and backlit portrait.
Full HD movie (1080i/60 fps)
Movie scene recognition ensures that settings are optimized according to your subject. Full HD movie shares your memories with family on the big screen, using the mini HDMI connector.
H.264 high profile
The camera support H.264 format incorporating both high quality image and small data size.
One touch movie recording button
A one-touch movie recording button enables you to capture all the action in Full HD.
High speed movie
Sometimes things happen too fast for you to see them properly with your own eyes. The FinePix S6800 can freeze the action at up to an amazing 480 fps! So you can see every single minute detail and watch things happening step by step in slow motion.
Side-lever zoom control
You adjust zoom with your left hand while the index finger of your right hand rests on the shutter button, ready to take the shot and choose from three zoom speeds or use "auto back zoom" for long zoom photography.
Versatile shooting modes P/S/A/M/mode dials
In addition to a wide range of shooting modes, the FinePix S6800 offers a selection of versatile scene positions that ensure optimum results no matter what the scene.
3D shooting with "individual shutter 3D"
Two exposures of the same scene are saved in Multi-Picture Format (MPO) to create convincing images that appear to have been shot in real 3D. An overlapping guide on the LCD screen provides assistance for positioning the exposures, making it easy for anyone to create impressive 3D effects.
Motion panorama 360
Just sweep the camera right-left or up-down to shoot giant panoramas up to 360. When you view the panorama playing back on your camera or personal computer, you can enjoy a seamless panorama image with both ends stitched together to create a "cylinder" view.
Dynamic Range (HDR)
This mode uses Multi Frame technology to capture three consecutive photos shot at high speed - under-exposed, normal exposure, and over-exposed. The three images are then layered to an optimum balance of detail in shadow and highlights, eliminating "blackout" or "washout" and producing pleasing, natural gradations.
Instant zoom
A function to follow moving subjects in standard wide view for easy framing at high zoom settings. With a single press of a button, the subject tracked within the selected frame on the LCD, will be captured and saved at a high zoom ratio.
Face tracking auto focus
Face detection couples with tracking auto focus for more ways of capturing great people pictures, even when those people won't stop moving. Face detection optimizes focus and exposure to ensure bright, clear faces, while tracking auto focus maintains sharp focus on moving subjects. The result is attractively exposed, well-focused photos.
Face detection
Face detection optimizes people pictures by detecting faces and adjusting focus and exposure to ensure bright, clear results.

www.sears.com/shc/s/p_10153_12605_SPM9496703413
Cameras Deals

Buydig Coupons
Free Dove Shampoo and Conditioner sample - Walmart
Added on : Monday May 19th 2014 08:00:11 PM
g: 1 Posted By: remick
Views: 142 Replies: 0 http://see.walmart.com/doveahs/?

watch the video to get the sample button

i had to double click on the button to get it to load
Free Samples Deals
g: 0 Posted By: Excelsius
Views: 167 Replies: 5 I am hoping someone can either put my mind at ease or give me a way out:

We recently bought a car using an auto loan check from Capital One. The dealer wanted to run a credit check, but we refused and instead chose to wait for the check to clear. We did not leave the down payment (30%) and said we'll pay that when we pick up the car. We were told we could pick up the car in 3 business days. After calling Capital One, we found out that our check was not even submitted to them, yet the dealership had told us that they did in fact submit it to Capital One. Then, talking to the manager, found out that the check "has to" go through their own bank over which they have no control and can take 10 business days to clear (15 days from the sale day). Capital One says that the check is cleared within 24 hours after being submitted and I even read online how dealers simply call Capital One and release the car. So they clearly mislead us and are really trying to run the credit since they keep saying that if they do that, we can pick up the car right away.

We got a really good deal on the car, with all the extras. I also have the vin number of the car we left behind. What I don't understand though is are they somehow trying to screw us over? We read and signed several contracts, but they did not give us a copy and told us we'd get them at the time of signing. I am not sure if we can get out of this now or if this is even a cause for alarm. I certainly don't want to wait for 10 days to get another unpleasant surprise. I don't understand where they're going with this. By now they know that we're not going to let them run a credit check, so the only way they can get paid is if they cash our check. The contract we signed was only about paying them with other funds if the check bounces, but that contract can't apply if they don't actually submit the check. Another question is about how long they can delay this transaction like this. I was told that 10 days is max, but I'm not so sure about what they say anymore.

An insight from a dealer would be especially welcome. Maybe there is a new scam going on that we don't know about.


New User Question Deals
Free Kindle Book - THE HELMSMAN: Director's Cut Edition
Added on : Monday May 19th 2014 09:00:07 AM
g: 0 Posted By: remick
Views: 30 Replies: 0 http://www.amazon.com/gp/product/B00J9GGM3K

Originally published in 1983, when the novel sold thousands of copies in its first printing, The Helmsman is the starting point for Bill Baldwin's epic, eight-part militaristic space opera - The Helmsman Saga. Using actual histories of World Wars I and II as template, the novel chronicles the adventures of StarSailor and extraordinary Helmsman Wilf Brim during an epoch of discord and outright war among various star-nations within our own galaxy.

This special, "Director's Cut" Edition is heavily re-written, a la George Lucas' rewrite of the Star Wars Trilogy, to bring it more in line with later novels in the series, as well as existing "Director's Cut" Editions of Galactic Convoy, The Trophy; the five other "Director's Cut" editions to come; and the continuation novel now in the works: The Turning Tide.

The novel begins as Brima 21-year-old SubLieutenant in the Imperial Fleetarrives at the Eorean Starwharves, a maintenance complex within the planet-spanning Fleet base on watery Gimmas-Haefdon. On first assignment since receiving his commission, Brim is fresh from The Helmsman's Academy, where he weathered years of torment from wealthy classmates because of his impoverished background. Heretofore, the Academy had been a "private club" for the scions of Imperial wealth; however, enormous numbers of casualties during the present war with the League of Dark Stars has called for desperate measures to expedite replacement of these losses.

Brim's first ship is I.F.S. Truculent, a T-class destroyer, just the right kind of starship for the young Brim to cut his teeth onwith challenges galore to rapidly make a veteran of the young Helmsman. And even though his torments continue, in part because of long-held prejudices among the wealthy, the starship is populated with a crew largely made up from races and economic classes glad to help the young man with his career in any way they can.

As one might expect, the love interest for this poor-as-a-church mouse hero is none other than one of the Empire's most beautiful, most desirable royalty: Princess Margot of the Effer'wyck star kingdom. And though nothing goes easily for Brimincluding Princess Margot herselfhe acquits himself with bravery, aplomb, and daring as he begins carving a future for himself in the midst of a long, complex Galactic struggle.
Totally Free Deals
Shop Rite Delivers New Ipad Mini for $250 free shipping
Added on : Monday May 19th 2014 08:00:06 AM
g: 0 Posted By: saltlife4me
Views: 385 Replies: 2 Hi all,
I thought i would share this with everyone. I bought a ipad mini from this placeabout 3months ago when they had this deal. I got a email again showing the same offer i got then & want to share it with all of u this time. I added the link below. This is the best deal i have found on the internet for a new ipad mini.

This one is the black & space grey
http://www.shopritedelivers.com/iPad-Mini-Black-and-Space-Grey-MF432LLA-P8101.aspx

This one is the white & silver
http://www.shopritedelivers.com/iPad-Mini-White-Silver-MD531-P8100.aspx

iPads Deals
Great Deal! New Ipad Mini for $250 free shipping
Added on : Monday May 19th 2014 07:00:05 AM
g: -2 Posted By: saltlife4me
Views: 223 Replies: 0 Hi all,
I thought i would share this with everyone. I bought a ipad mini from this placeabout 3months ago when they had this deal. I got a email again showing the same offer i got then & want to share it with all of u this time. I added the link below. This is the best deal i have found on the internet for a new ipad mini.

This one is the black & space grey
http://www.shopritedelivers.com/iPad-Mini-Black-and-Space-Grey-MF432LLA-P8101.aspx

This one is the white & silver
http://www.shopritedelivers.com/iPad-Mini-White-Silver-MD531-P8100.aspx

iPads Deals
Friend Hit Deer With Rental Car
Added on : Monday May 19th 2014 04:00:06 AM
g: 0 Posted By: elptrainerny
Views: 55 Replies: 4 A friend who was visiting me for the weekend, hit a deer on the way down. Was driving a rental car via Dollar and had used a capital one plat mastercard.
What would his liability be?

Personal Finance Deals
Short term health insurance options
Added on : Monday May 19th 2014 04:00:06 AM
g: 0 Posted By: MiaFLSurf
Views: 61 Replies: 3 Long story short - I am a resident that is graduating in late June. My wife and I have had the health insurance provided through my hospital, which is by all means terrific.

Called last week, the coverage ends June 30th.

I start my new job (new state) on September 1.

My wife and I are 30 and 29, both completely healthy.

What should we do? Ride it out for 2 months? Find a company that insures for 2 months only? If so, any suggestions from those that have gone through this?
Personal Finance Deals
g: 0 Posted By: remick
Views: 35 Replies: 0 http://www.amazon.com/gp/product/B007SYLFG4

Revised and expanded edition!

Here in Volume 19 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 all strive to achieve.

When learning, it is important to both learn the rules and to follow them. Only THEN can you break them.

It's vitally important to know the rules before 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
g: 0 Posted By: st4rdust
Views: 96 Replies: 0 Hollister is offeringup to 70% offtheir clearance section. Prices start at $5.85. Free shipping on orders of $50 or more - otherwise, shipping adds $5.00.

Sizes available depend on the item. At the time of posting, most items had a few sizes to choose from.

Shop Women
​Shop Men
Hollister Deals
Seven year Fannie Mae ban?
Added on : Sunday May 18th 2014 04:00:08 PM
g: 0 Posted By: alamo11
Views: 0 Replies: 0 Okay: I was on the phone with the servicer of one of my mortgages (Nationstar) since Safeguard came by today and my tenants had to tell them off and the rep on the phone was reading aloud some of the notes on the file. Outside from comments about my arrogance she said "Fannie Mae LO 7 years". I later asked what she meant and she said I'm banned from Fannie Mae.. Can anyone tell me why? I'm *trying* to clean up my credit after my whole default mess. Is there something I need to know about?
Sports Authority 25% Single Item 5/23 - 5/26
Added on : Sunday May 18th 2014 08:00:07 AM
g: 0 Posted By: rockymast
Views: 90 Replies: 0 Coupon

Sports Authority 25% Single Item 5/23 - 5/26I got an email from Sports Authority which had a $10 off $50 coupon but when I clicked on the link, it gave me next week's coupon for 25% a single item.

This coupon begins on 5/23 and expires 5/26. In store or online.

Exclusions on coupon.
Clothing Deals

Sports Authority Coupons
XtremeGuard: 90% Off w/ Purchase of 2 or More AC + FS
Added on : Sunday May 18th 2014 02:00:03 AM
g: 0 Posted By: st4rdust
Views: 308 Replies: 1 XtremeGuard.comis offering90% offon all purchases of 2 or more. Use coupon code "90off2" at checkout. Shipping is free. LINK

XtremeGuard screen protectors have never let me down. The only time I ever had an issue was when I installed my screen protector incorrectly. Every time I have purchased from them (twice for Galaxy S4, once for iPad mini) the protectors have been high quality and undamaged. I like them because they aren't flimsy and don't tend to pull away from the device. Aside from protectors, there are also cases and skins.

A noteworthy recent development - XtremeGuard is also offeringalifetime warrantyon all screen protectors.

Shop by manufacturer:

Apple
Samsung
Nokia
View all protectors

Cell Phones Deals
XtremeGuard.com: 90% Off Purchases of 2 or More AC + FS
Added on : Sunday May 18th 2014 01:00:04 AM
g: 0 Posted By: st4rdust
Views: 206 Replies: 1 XtremeGuard.comis offering90% offon all purchases of 2 or more. Use coupon code "90off2" at checkout. Shipping is free. LINK

XtremeGuard screen protectors have never let me down. The only time I ever had an issue was when I installed my screen protector incorrectly. Every time I have purchased from them (twice for Galaxy S4, once for iPad mini) the protectors have been high quality and undamaged. I like them because they aren't flimsy and don't tend to pull away from the device. Aside from protectors, there are also cases and skins.

A noteworthy recent development - XtremeGuard is also offering alifetime warrantyon all screen protectors.

Shop by manufacturer:

Apple
Samsung
Nokia
View all protectors

Cell Phones Deals
Saved by the Bell: The Complete Collection DVD $26.99 @ Amazon
Added on : Saturday May 17th 2014 10:00:06 PM
g: 0 Posted By: lakrzfan
Views: 168 Replies: 0 Not the lowest price ever, but according to Camel, Amazon hasn't had it this low since December 2013.

Amazon Link
DVD Deals

Amazon Coupons
Fidelity Account Frozen / Restricted
Added on : Saturday May 17th 2014 06:00:05 PM
g: 0 Posted By: Keysersoze617
Views: 143 Replies: 6 I've had a brokerage account with Fidelity for 8 years under a corporation that I own and just recently (within the last 2 weeks) opened up a personal account and transferred all the equities and cash to that account. Today I tried to activate my debit card tied to my Fidelity brokerage / cash account and the operator stated that Fidelity canceled the card. I thought that was strange so I contacted Fidelity to investigate the matter. After speaking with a customer rep, she informed me that Fidelity did indeed cancel the debit card, and not only that, basically froze my account. As of now, I am unable to buy or sell stocks / securities or write checks from the account. She did say that Fidelity will liquidate my securities, my kid's 529 College Plan and cut me a cashiers check and send me on my way.

She also informed me that a letter was sent out Friday notifying me that they are discontinuing service to my account. The letter states that they were recently notified by a industry reporting service of a public record involving me and my activities, and in light of this report they find it necessary to discontinue service to my account.

I have no idea what this could possibly be. The only thing that I can think of was that I recently sold a business and with those funds paid off 2 mortgages, some of which I wired out of my fidelity account. I also bought some precious metals and withdrew some cash ( under 10k) for a vacation i'm going on. I have moved a decent amount of cash around in the last 2 weeks. Would that set off some type of red flag?

​ I went and downloaded my credit report to see if something was on there and found a 10k tax lien, so I'm not sure if that set something off. Regardless of that I have a 800 credit score.

Has anyone experienced this with Fidelity or any other brokerage firm?
Investing Deals
Has anyone heard of/tried FutureAdvisor?
Added on : Saturday May 17th 2014 11:00:05 AM
g: 0 Posted By: savvy002
Views: 22 Replies: 0 I was interested in seeing what my guidance options were in terms of stocks and bonds. I do have a financial advisor, but if I want him to manage my portfolio, it is going to cost me a fair amount of money. I wanted to see if there were any other options and stumbled upon www.futureadvisor.com. It doesn't have a lot of reviews online and the few ones out there are negative about the paid version of the site.

I just wanted to know if anyone had any experience regarding this service.
Question Deals
g: 0 Posted By: trun453
Views: 162 Replies: 0 http://mimiscafe.fbmta.com/shared/images/27917287438/27917287438...

Great food, had breakfast 2 for 1!
Restaurants & Entertainment Deals
Nikon D5100 bundle for $435 at Meijer, YMMV
Added on : Saturday May 17th 2014 09:00:03 AM
g: 0 Posted By: sixt7gt350
Views: 65 Replies: 0 My Meijer had the D5100 bundle (with 18-55 VR lens) on clearance for $455.
Coupons today for general merchandise.
$20 off $99.99 and up, makes it $435.

Same D5100 bundle as this ad.
They had some other stuff that was also Black Friday overstock.
I picked up an Air Pro wi-fi bundle for $89. (on clearance for $99.00, so just short of $20 coupon threshold )

It took will power to resist the D5100, but I've been happy for my needs with the Canon SX280 from Target clearance.

Happy hunting.
Cameras Deals

Meijer Coupons
g: 0 Posted By: ashwani67
Views: 11 Replies: 0 My 2013 Toyota Prius C had a minor accident (fender bender). I was not at fault. The other party's insurance carried out minor repair of bumper and fender costing around $ 1500.

I there a chance I can claim "diminished value"? How to go about it? Any advice is appreciated. Thanks
g: 0 Posted By: ctgolfer
Views: 33 Replies: 0 Q+ technology
The highest resolution full HD TV with 10 million more subpixels than standard full HD to give you more detail, depth and color.
Plays 4K content
Accepts a 4K signal and can even play 4K content via an HDMI input.
Revelation upscaler
Takes all of your high-definition content and optimizes it for the higher-resolution screen, so it's sharper and more vivid.
Quattron technology
Uses 4 subpixel colors, so you can experience the added benefit of a billion more shades of color.
SmartCentral 3.0
Integrates cable, satellite and streaming channels, so you don't have to switch TV inputs or apps to find the shows you want to watch. Use the SmartCentral 3.0 mobile app to discover content, use as a remote or share media.
60-1/32" screen measured diagonally from corner to corner
To ensure optimal viewing in large rooms.
VESA 400mm x 400mm compliant
For simple wall mounting (with optional wall mount, not included). A stationary tabletop base allows stable placement.
Connect to the Internet
Via SmartCentral and built-in Wi-Fi for access to CinemaNow, Netflix, Pandora, YouTube, Hulu Plus and other instant content. A Web browser lets you easily surf the Internet.
Active 3D technology
Helps bring your favorite media to life (requires Bluetooth 3D glasses model AN-3DG40, not included).
Quattron technology
Uses 4 subpixel colors, so you can experience the added benefit of a billion more shades of color.
240Hz refresh rate
Delivers crisp fast-motion scenes and gaming visuals.
8,000,000:1 dynamic contrast ratio
Offers a wide range of shades between black and white for vibrant image reproduction.
1080p display
Provides a highly detailed picture and is ideal for 1080p-capable content, including Blu-ray movies. Also accepts 4K signals for enhanced viewing.
Down-firing speakers
Along with automatic volume control, Clear Voice technology and simulated surround create a robust, balanced soundscape.
Inputs
Include 4 HDMI (rear), 2 composite video, 1 component video, 1 PC (15-pin D-sub) and 1 RF antenna.
Outputs
Include 1 optical digital audio.
4 HDMI inputs
HDMI cable not included. High-speed HDMI cable is the only connection that can deliver a full HDTV experience with a full 1080p picture and digital surround sound.
PC video input
Lets you connect your computer to experience high-resolution images.
Built-in Ethernet port
Allows you to connect your TV to your home network.
2 USB ports
Enable you to enjoy photos, music and videos stored on compatible USB devices. Also support software updates.
Handy additional features
Include AAL (AQUOS Advantage Live), a SmartCentral 3.0 mobile app (download required), a dual-core processor, MHL (Mobile High-Definition Link) technology, Miracast, wallpaper and game modes and a sleep timer.

www.bestbuy.com/site/sharp-aquos-q-series-60-class-60-1-32-diag-...
LED TV Deals

Best Buy Coupons
Murphy USA save $5 off any retail gift card
Added on : Friday May 16th 2014 06:00:04 PM
g: 0 Posted By: subtracty
Views: 91 Replies: 0 Exp 5/31/2014
http://mobile.murphyusa.com/hot-deals/

YMMV...there was a sign up advertising the deal at my local station. When I tried to purchase I was told they hadn't received any gift cards yet. Yea right, it was a busy Friday night.

Please post any succeses.
Gifts Deals
g: 0 Posted By: wwinters
Views: 177 Replies: 0 I found the Style Selections shades in Sandat my local Lowe's marked down to $39.97 (reg $79)for the 8 ft. size then checked online and found the 6 ft. at a few of the other stores around me so I ordered online (Item said shipping not available) and picked them up for $29. 97 (reg.$59). 10 ft. is out in my area but is $49.97 (reg. $99)
style selections light filtering shades

Home & Garden Deals

Lowe's Coupons
g: 0 Posted By: lonewolf41
Views: 120 Replies: 0 It's back with a smaller rebate (now $80).

Seems to have decent reviews at TD, Amazon (> 400 reviews), & Newegg (> 250 reviews). $80 rebate might scare some away, but I have not had any issues with TD rebates in over 10 years now. $279 is still not too bad for a 39" TV if you want one. Sound is definitely no the best, but works fine for our bedroom.

Also, they say $19.98 shipping, but only charged me $16.21 so mine was a little cheaper.

TV

Rebate
LCD TV Deals

Tiger Direct Coupons
Free Build Your Disney Side Family Decal
Added on : Friday May 16th 2014 07:00:10 AM
g: 0 Posted By: WideOpenSpaces
Views: 6 Replies: 0 Create your family stick figures showing your Disney side. At the end, order your free decal.

BuildYourDisneySide.com

I tried in FireFox and had no luck. You need to register to be able to unlock features and order your decal. I have yet to be able to get the submit button to show up at the end, but maybe others will have more luck.
LivingSocial 15OFFMAY gives 15% Off
Added on : Friday May 16th 2014 06:00:03 AM
g: 0 Posted By: scottjung
Views: 172 Replies: 0 15OFFMAY deal is on. 15% off Deals on Living Social. I hadn't seen that in my emails from them.
Home & Garden Deals

LivingSocial Coupons
g: 0 Posted By: ctgolfer
Views: 48 Replies: 0 Available in an attractive red shade, this Electric Blower and Vacuum has great visual appeal. It comes with a cord retainer to secure the extension cord while you operate the machine so you can avoid getting tangled in the yard. Fully assembled, this electric blower is designed for optimum user satisfaction.

This 120V Craftsman Electric Blower delivers air at 235/150 MPH.
Reduction-mulching ratio: 14:1
Motor: 120V, AC only, 60Hz, 12 amp
Air volume: 380 CFM
Has a collection bag capacity of 1.2 bushel units so you can cover more ground before stopping.
Anti-vibration, soft touch handle offers optimum control.
Comes with an extension cord lock to keep cord neat and untangled.
Fully assembled.
Weighing 9.24 lbs., this handheld electric blower offers great portability
Two year full warranty from Craftsman

www.sears.com/shc/s/p_10153_12605_07174899000P
Tools Deals

Sears Coupons
Job/Career/Life decisions. Advice and guidance is welcome
Added on : Thursday May 15th 2014 04:00:06 PM
g: 0 Posted By: nasheedb
Views: 93 Replies: 0 I'm 27 years old. I work in IT and I make $107k a year. Last fall I accepted a position in Switzerland, but so far I've been unable to obtain a work permit. Thread about thathere.I have at most 2 more months until I receive a final decision, but I'm not optimistic at all anymore. In the meantime, I had another job come up, a contract opportunity which pays a fair bit more than what I'm making now, but it wouldn't be very challenging. My dream job would be to work as a pre-sales engineer or as a solutions architect.

Now let's talk about my GF. We've been together for nearly 3 years now. I would like to keep her around for a lot longer, she's a keeper. She's defending her dissertation next month and after that she'll have to find a post-doctorate for 2-5 years. Afterwards, she plans on pursuing a career in academia. She is currently interviewing for a post-doc in Switzerland and has a very good chance of getting the position, as well as a work permit.

Here are our options as far as I can tell:

1. (preferred, but unlikely) My Swiss work permit comes through and my GF gets a post-doc in Switzerland
pros:

I make close to $150k/year with overtime/on-call pay, she makes about $105k/year
We share an apartment, reducing our expenses
We get to explore all of Europe

cons:

​high cost of living, however our salaries would be more than enough to live well in Switzerland

2. I take the contract job, she looks for a different post-doc in the US.
pros:

I make $80/hour on a W2 with benefits
I have a lot of control over my job, it's basically a one-man show

cons:

my gf would make $45k/year, she would have to live in a high cost area, and we wouldn't be living together
my job wouldn't be very challenging
I'm not growing profesionally
my gf wouldn't be able to find the best post-doc she can, she would be settling for something average

3. I look for a pre-sales engineer or solutions architect job, either here or overseas. I would have to wait until I have resolution on my Swiss visa before I can proceed with this path
pros:

I'm doing exactly what I want to be doing
Ideally, my gf and I would be living together
I make a bit more money than I currently do
This job typically requires at least 50% travel (my gf would be OK with this)

cons:

There simply aren't that many of these jobs around
I have the required technical knowledge and experience for the job, however, I don't have much experience with responding to RFIs/RFPs and have limited experience with giving demos or public speaking
I may not have the right personality for the job. I'm an introvert, and at times can be socially awkward around strangers. I definitely do not have the salesman personality
If the job is in the US, my gf would only be making $45k/year.

4. I can take the $80/hour offer to my current boss and I can ask him to see what he can do with it. I'm pretty much at the maximum pay for my job grade, so I would pretty much need to be promoted in order to get more money (which we've talked about recently, he said it could happen within the next year). I am currently working remotely and very rarely have to travel. I can probably probably get my boss to agree to let me work from Switzerland

pros:

I can probably get another $5-10k more
my job is actually challenging, and I get to do things I enjoy
If my GF gets the Switzerland job, I can stay with her for extended periods of time (I can stay in Switzerland 90 days at a time as a tourist. I can probably fly to neighboring countries, and take a train into Switzerland so my passport doesn't get stamped, so it doesn't look suspicous)
my gf would make $105k

cons:

it would be really shitty of me if my boss goes out of his way to keep me with the company, but a few weeks later I get my Swiss work permit, and I end up quitting
my coworkers are f#cking morons
I would be pretty much living in Switzerland illegally. I don't know what would happen if I got sick or injured. I don't know if my US-based health insurance would cover me.
my boss may not go for it
going back and forth between the US and Switzerland will get old after a while, and would be expensive too
high cost of living, although I think we would make enough to live comfortably

Any thoughts or advice?
Question Deals
g: 1 Posted By: DizzyT71
Views: 215 Replies: 0 Home Depot has the Hampton Bay 4-Light Staggered Brushed Steel Pendant Chandelier (EC9086SBA) on sale for $47.40 with free shipping.

Was: $79.00

Adjustable lamp lengths of up to 72 in. L for a customized lighting application
Line voltage
Staggered pendant chandelier design offers an eye-catching appearance
Brushed steel finish and metal and glass shades offer an attractive appearance
Uses 50-watt GU10-16 halogen bulbs (included)
Compatible with standard 120-volt incandescent dimmer switches (not included)
Not for use with low-voltage dimmer switches
UL listed
Installs directly to a junction box (sold separately) for direct-wire installation

Decor Deals

Home Depot Coupons
Step2 Naturally Playful Lookout Treehouse $112.72 + fs @amazon.com
Added on : Thursday May 15th 2014 04:00:03 PM
g: 0 Posted By: pjordand
Views: 114 Replies: 0 http://www.amazon.com/dp/B000QF7KMK

features:

Sturdy tree house for young children
Large 19" high platform
Shingled roof for shaded play
Periscope pivots 180 degrees
Adult assembly required


Toys & Hobby Deals

Amazon Coupons
Good equity in primary home, underwater in secondary home
Added on : Thursday May 15th 2014 11:00:05 AM
g: 0 Posted By: al6879
Views: 78 Replies: 1 I have a primary home with equity and a rental that is underwater. I am wondering if there are any moves I can make to improve my situation. I'm wondering about options like get the primary home appraised to cancel PMI, get a home equity loan on the primary to pay down the rental so I can cancel PMI on that one or sell it, or some other completely unrelated option.Details below, values come from Zillow.

I do not actually want to keep this rental. I used to live in the house but had to move. I am upside down because I bought it in 2005. The tenants are interested in buying and I may be able to do that once I get some equity in it. Asked the bank about a short sale, but was denied.

Rental

value: $128,000
balance: $145,838
remaining years on mortgage: 17
payment: $1,543
PMI payment: $95
PMI cancellation date: 2020
interest: 5.375%
rental price: $1000

Primary

value: $319,000
balance: $234,300
remaining years on mortgage: 28
payment: $1,870
PMI payment: $225
PMI cancellation date: ??
interest: 4.375%

Real Estate Deals
Sears Shop Your Way SYW Points $45, $7, $7, and $5
Added on : Thursday May 15th 2014 05:00:08 AM
g: -2 Posted By: F123456
Views: 196 Replies: 2 Check your SYW account!
Mine had $45 in SurprisePoints for Lawn and Garden, $7 off clothing (excluding Lands End), and $7 off Lands End clothing. None had minimum requirements.
Also, I found a link that gave me 5000 SYW points for use 5/18 - 5/24,here.

Hope this helps some of you also find some points.
Clothing Deals

Sears Coupons
g: 1 Posted By: geezlouise
Views: 210 Replies: 0 Looks like Lowe's is clearing out several models of their Black and Decker string trimmers (see earlier posts on a 36v and 18v model). Found a 20v lithium ion 20v cordless string trimmer with included sweeper for $43.86 at the Waldorf, Md. store. YMMV on stock and price so be sure to check around.
Lowe's item #146095
Trimmer model LCC220
Sweeper/blower LSW20
I've seen other trimmers that allow you to swap out the trimmer for a sweeper attachment but this deal includes an entirely separate sweeper.
Two 20v max li-ion batteries and smart charger included (worth the price alone).
I've not had luck getting my direct link to Lowe's to work so I've included the link to similar combo on Amazon.
Sweeten the deal with the Lowe's 10 percent off coupon found in other posts or buy some extra string and use the $10 off $50 code.
If you search for B&D trimmers at Lowe's online, keep changing stores to come up with other models that may be on clearance. You may stumble upon something else that suits you better than the deals getting posted here.

Attempted link to Lowe's

Trimmer/blower combo on Amazon










Garden Deals

Lowe's Coupons
Staples Gift Cards - Lost/Stolen Saga
Added on : Thursday May 15th 2014 12:00:04 AM
g: 0 Posted By: vishalj77
Views: 51 Replies: 0 I ordered 2 Staples Gift cards (2 separate orders) from Staples.com almost a month ago, and since I had just moved, I had the cards shipped to a nearby Staples store. For security reasons I assumed it would be better to have them shipped there, and I could just go and pick them up.

I received an email stating that my cards were shipped, with the USPS tracking #. When the tracking # showed as 'delivered' I went to the store and spoke to an assistant manager, who told me to come back after 2 days as the manager had the key to the locked mailbox, and she wasn't in at the time.

I come back 3 days later, and the assistant manager gives me one envelope (which was opened) This contained one order, and nothing else. I asked her about the second order, she replied that this was the only one they found. She asked me to wait while she went in the back and called corporate.When she came out she told me that corporate would ship out a new replacement order via UPS (instead of USPS) and it would be there in 3 business days.

I go back to the store after 5 days, and this time she tells me that they haven't received anything. At this point, I was becoming a bit frustrated and suspicious (because the tracking #s clearly showed that both orders were delivered, and it made no sense as to why one would be delivered and the other wouldn't) so just to cover myself, I recorded the entire conversation on my phone.

She gave me an incorrect phone # for the Staples call center, so (unbelievably) I had to go back to the store and get the correct #. I also emailed Staples customer support, and a representative emailed me back stating that she spoke to the assistant manager *and* the manager of the store, and they said that I had picked up both orders! She also said that they don't ship out 'missing' gift cards and there are no refunds. I've left a voicemail, but so far no one has called me back.

I'm pretty pi$$ed off by now, I've visited the store 4-5 times (each time spending over 20 minutes waiting and waiting) and this is what I have on my phone:

A recording of the manager and a easy tech staff member assuring me that the missing order would be shipped out to me
(next recording) A recording of the assistant manager confirming that I only received one order, and that she did call corporate and was told that they were shipping out a replacement order. Nothing showed up, and there was nothing she could do and that I had to call corporate.

I don't know if someone's lying here, or this is just a big mess - I'm leaning towards the former. At any rate, it should be easy for Staples to find out who redeemed the gift cards, correct? If redeemed online, they can lookup the address to whatever the items were shipped to, and if in store - they can have video surveillance. Any ideas on what to do next?
Question Deals
g: 0 Posted By: Jaybird79
Views: 24 Replies: 0 Grand Theft Auto: San Andreas plus 2000 Amazon Coins - $6.99 (699 Coins) @ Amazon app Store
A good way to get free coins, if you have a good amount lying around. I had about 1150 coins leftover from a App deal a couple weeks ago.

Grand Theft Auto: San Andreas
Apps Deals

Amazon Coupons
Cruise ship injury, consulted a lawyer, what would you do? [PIC]
Added on : Wednesday May 14th 2014 09:00:06 PM
g: 0 Posted By: TrueKnight
Views: 12 Replies: 0 Gonna make this short. My mother is 65. She was on an international cruise in which she slipped and fell due to the deck being icy and wet (weather). As a result, she suffered a fractured spinal disc and had to get Kyphoplasty surgery.

Surgery and medical expenses was approximately $66k. We contacted the cruise-line for reimbursement but the customer care department said they do not cover any medical expenses once the passenger has returned to their own countries (United States). The cruise line recommends that she contact her own insurance. She does not have insurance. Her insurance actually lapsed while she was on travel (partly due to Obama care that her premiums skyrocketed and we wanted to wait until she returns to figure out how to sign up for one of the ACA plans). Sorry to digress. Consulted with an attorney. He said that due to the itinerary of the cruise not stopped at a U.S. port, there is a cap on damages set by the Athens Convention which is about $70k. He also mentioned that in cases like this, the cruise line knows that their max liability would be $70k and settlements will be low since if the case is not settled and they're found liable, the most they would be out would be $70k any ways. Lawyer's retainer fee is 33.3% of reward if it gets settled and 40% of reward if it goes to trial. We're in California. Attorney is in Florida. What would you do?

Some initial thoughts and counter-thoughts:
1. Find an attorney with lower retainer?
>>>Not likely since I think 33.3% is pretty standard.
2. Bombard cruise-line and cruise-line's parent company with emails / calls requesting reimbursement?
>>>Many cruise-lines are of European origin so unless we can make a global impact, I am doubtful we will find resolution.
3. Represent ourselves and sue?
>>>I've done small claims and I don't think this is the same kind of animal. Plus I think it needs to be filed in Florida where the cruise-line has an office/presence.

Question Deals
Interesting strategy to deal with a collection account
Added on : Wednesday May 14th 2014 06:00:08 PM
g: 0 Posted By: Silverthunder
Views: 39 Replies: 1 Here is my situation:
I was being careless/ somewhat silly with a small balance that I owed Comcast. First, I was keeping it around so that I could run .01-.10 charges through the account to satisfy rewards checking account requirements. Then, paying it was on my to-do list for a long while. Then, I was going to call them and get them to remove the late charges and then pay the balance. Finally got around to calling them today. It's Comcast and I am getting nothing but the runaround from them. All along, Comcast wasn't sending me bills or collection threats which is what made me too laid back about the whole thing.

I am pretty concerned that this collection account will hit my credit and affect my ability to open a lot of new credit cards like I enjoy doing

the first rep that I spoke to said that it's in Comcast's internal collection department. I told them I will pay it if you first send me something in writing that you will erase/ not report it if I pay in full (need them to send before I make a payment). No luck with that. I got them to have a supervisor call me. Supervisor was no help. Next, I called back and got someone one the phone that said that the account had been turned over to a collection agency. However, there are 5 or 6 ones that they use and he didn't know which one. He gave me the name of 2 of them. I called both of them; one I left a message for and the other one doesn't get any business from Comcast.

Since the collection account is a small amount, I think that I will probably just pay Comcast. This might "pull" the collection account back to Comcast and that way it never was a collection account. I don't believe that Comcast's internal collections department will report to the credit bureaus (this is what the 3rd Comcast rep that I talked to told me & I have personally seen over 1000 credit reports of people that live in an area that Comcast serves and I don't think I have ever seen Comcast reporting directly except for a credit pull).

If I do hear from a collection agency, I have multiple lines of defense. interestingly enough, one of them wont be "oh, I already paid that to Comcast" as they may just change it to a collection account with a 0 balance.
Discussion Deals
How to find good real estate attorney quick / semi FSBO
Added on : Tuesday May 13th 2014 05:00:09 PM
g: 0 Posted By: GermanExpat
Views: 75 Replies: 1 I have a question around selling our house. We are getting our house ready to sell and had picked a Realtor that we were ready to sign a contract with some time later in the week or next week. There were still some small things to be done to get the house ready (some tiles to be replaced, get the clutter out etc.).

By chance we found a letter in our mailbox from somebody asking if they can look at the house. They did hear from a friend living in our extended neighborhood that probably knew from our neighbors that we are getting ready to sell.

We called the number on the letter and talked to the family and they did tour the house today for an extended time (with me partially present at the beginning). I just got a call that they are interested in the house and would like to know our price. They do know we don't have a realtor yet and are willing to deal without a realtor and just use real estate attorneys. Ok now making a long story short I have to get back to them with our price and will give them a discount on our price based on not involving a realtor.

But now we are a bit unprepared to go through with a (semi) FSBO but for sure a realtor is not worth the 50k+ commission on our house just for holding our hands. I am trying to get a crash course now how to sell myself. So here are my questions and please add anything I might have missed:

- get a real estate attorney asap, how do I go finding a good one?
- ask the seller to send an offer in with earnest money attached to it (I assume our real estate attorney could hold it in a trust account?)
- find a title company for the closing (I assume this has some time or should I just ask the real estate attorney after finding one). It is Colorado and from what I understand in most cases the seller picks the title company albeit the buyer can select one as well.

I assume my biggest issue is finding a real estate attorney right away and have them check out the offer. The potential buyer stated he has a relative (uncle) in his current state he can use to draft the offer. So how do I go to find a good real estate attorney within a day?

Anything else I should consider?

Also on a side note the realtor did have a 1 week limited agreement. We already had a letter in the mailbox 2 weeks ago and asked him to follow up and signed a limited agreement with him for a couple days to show the house to this potential buyer and 2 of his agent friends had candidates that wanted to see the house as well. One buyer made a lowish offer and we did not accept it and our verbal counter was too high for them. The realtor was kind of pushy to talk us down price wise (ok, no surprise here). They then decided to wait for us to put the house on the market probably hoping it gets closer to their Target price. I don't feel we owe our realtor anything because he didn't have to do any work yet (no MLS listing, no adds etc.) and the limited agreement expired anyway. We are not in a hot area of the country, sales are doing reasonable well and not a huge inventory of houses comparable to ours (and they seem to sell much quicker then last year in our price range). But we were still a bit puzzled to have people show up before we even are ready to sell it. The realtor also kind of tried to low ball our house based on he didn't like our style (our house is quite contemporary and he has a more traditional style preference) and probably also to make it sell quicker (he did use some debatable comps and focused on per square foot price but we have e.g. a lot premium because of the lot location).
g: 0 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/gp/product/B004OBZSVC

This book considers the relationship between Hayek and Mill, taking issues with Hayeks criticism of Mill and providing a broader perspective of the liberal tradition. Featuring contributions from the likes of Ross Emmett, Leon Montes and Robert Garnett, these chapters ask whether Hayek had an accurate reading of the ideas of Mill and Smith, as well as considering themes such as sympathy and analytical egalitarianism that play a large part in the liberal tradition, but less in work of Hayek These chapters argue that addition of these key ideas to the Hayekian corpus leads to a far broader understanding of the liberal tradition than that provided by Hayek


Also free

Basic Economics for Students and Non-Students Alike
http://www.amazon.com/Basic-Economics-Students-Non-Students-Alik...

What Went Wrong: The Big Picture: How the 1% Hijacked the American Middle Class . . . and What Other Countries Got Right
http://www.amazon.com/What-Went-Wrong-Hijacked-Countries-ebook/d...

Getting Back to Full Employment: A Better Bargain for Working People
http://www.amazon.com/Getting-Back-Full-Employment-Bargain-ebook...
Dependent Care/Preschool Tax Implications
Added on : Tuesday May 13th 2014 10:00:18 AM
g: 0 Posted By: raringvt
Views: 3 Replies: 0 Wife & I are enrolling our son in a pre-school this fall for 2 days a week at a cost of $350/mo. I'm trying to get a handle on the tax treatment of our expenses. We both work, both have a dependent care flex spending option through our employer (nothing contributed to it for 2014, so unless we have a qualified event this year, we're SOL). After reviewing a generic 1040 & Form 2441 as well as reading a few articles on the topic, I'm not sure I'm 100% clear on our best course of action.

It appears from form 2441 that since our AGI is > $43k (about $68k in 2013--s/b around the same in 2014), the most we can take as a credit for our expenses is 20% of our out of pocket amount. For Aug-Dec that's 350*5=$1,750 * .2 = 350. So our credit would be $350 when our expenses total$1,750?

If I had contributed $1,750 to my dependent care FSA, it would have knocked $1,750 off my wages for tax purposes, which, excluding any technicalities (I'm not trying to be exact here) would reduce my taxable income by $1,750. Assuming we're in the 15% federal tax bracket: 1,750 * .15 = 263 benefit for using the employer dependent care FSA. Also, my state tax (VA 5.75%) would be reduced (since my AGI is reduced) by 1,750 * .0575 = $100. Bringing my total benefit to $363.

Am I following this correctly? It's only slightly adventageous to use my FSA? In 2015, I'll be paying for a full year...but it essentially works out the same. If this is correct, for 2014, I'll just take the credit and for 2015 I will plan to contribute an amount that I KNOW we will spend to my (or wife's) FSA. Any other strategies to make this cheaper?

Need Advice - Feels cheated in buying first home
Added on : Tuesday May 13th 2014 05:00:09 AM
g: -1 Posted By: missMicky
Views: 346 Replies: 19 Hello folks, Need help, long time reader first time posting !!
We closed on single family house in good neighborhood in MA. We closed on house on April 10th and on the day of closing through walkthrough we found lot of problems

1. The sellers mentioned in MLS that property had wall to wall carpet but when we did walkthrough there was no carpet at one of the corner of masterbedroom and walk-in closet wither, there were subfloor and we could see nails through the floor. It was really dangerous with 6 year daughter with us.

2. The house is 3 bedrooms but the previous owners had made bedroom in the garage and we asked they to remove and convert back to garage. But in the P&S our attorney did not made it clearly that we wanted to have garage back done by licensed contractor and need all the invoices. We did make lot of request in our emails but our attorney failed to add it in P&S and now the wall which is converted doesnt fit under proper code.
The previous homeowners had lot of police activity since the guy had citations and he did not had licensed police came once we moved in 2 weeks back. I feel very bad to see the police at my home without any of my fault.

3. Also when the house was listed on MLS it had over the ground pool, when we saw the house on open house we asked the listing agent about it. We asked her does the swimming pool comes with the property she verbally said YES but after inspection (we did inspect the pool) before P&S they said the Pool encroaches the other property by 20 FT so we have to remove the pool otherwise it will affect the mortgage, and we said OK to remove the pool. At the end of the closing they removed the pool but did not clean up the sand and concrete blocks(14 of them)We thought when they say take out pool means they will take everything out. I know we were the fools and others made us fools.

From the day one we got the house we feel cheated, cheated by seller, listing agent and our attorney too.
We feel bad about our decision, we were on budget and we wanted a house in a good neighborhood so being a first time homebuyer we did lots and lots of mistake which we regret it.
Its too late now we know that.

But my question to my fellow fatwallet friends is do we have any case here against the seller/listing agent or attorney for misinterpretation ??
Does it worth to fight?? we put all our hardearned money to make it home ..we feel cheated all the time.
Do you know any attorney services which works for free or little money right now?? But first should we have a case here ???


Please people help me. Thanks for reading big post.
Personal Finance Deals
Mortgage Bridge Loans
Added on : Tuesday May 13th 2014 04:00:11 AM
g: 0 Posted By: raymondanthony
Views: 97 Replies: 2 So there is a local talk radio I listen to and every week they have a guy on name Jordan Goodman. He is always pushing these Mortgage Bridge loans. Basically you loan small companies money thru a broker and get 6% a year back.They are supposed to be super safe. Here is the info I received:

Ray--So glad to help you out here! Since we cant speak during the day, I will give you a bit more background on the mortgage bridge loans. If you would like to discuss it further I would be glad to speak to you from home if you want to call me at 914-347-2463.
The Mortgage Bridge loans that I mentioned are super-safe and yield 6% and you get your money back in 9 to 12 months. Meanwhile they pay out a monthly income which you can take or reinvest. There is no maximum amount you can invest and you can invest as many times as youd like. The minimum investment is $25,000. All of the money you invest earns 6% interest since there are no commissions or fees subtracted from your capital. The sponsor of this investment earns a small spread on top of the 6% which is how they cover their expenses and earn a profit.
There are several reasons why the mortgage bridge loans are so safe:
1.The company putting these deals together does extensive financial underwriting of the commercial real estate borrower to make absolutely sure they are in great financial position to be able to repay the loan interest and principal as agreed. In many cases, they have dealt with the same borrowers for many years and have a long track record with them.
2.You as the lender are placed in first position on the mortgage note so you have priority over any other creditors and are fully secured.
3.The commercial property is appraised conservatively by an independent appraiser.
4.The maximum the borrower is allowed to borrow is 30%- 55% of the propertys value (example 50% loan-to-value ratio (LTV)) so there is plenty of equity to fall back on in the super- unlikely case that the property had to be foreclosed on. If the loan exceeds the 12 month mark, your interest rate will double in the 13th - 15th month to 12%.
5.The company putting the deal together guarantees in writing that it will make all payments of interest and principal to you, the lender, in case the underlying borrower does not make any interest or principal payments when due. There is also a reserve fund already set aside with millions of dollars to make those payments even though it has never been used.
6.The mortgage bridge loan does not trade,and therefore your principal is always safe and you get your principal back in 9-12 months. In contrast, you may earn a 6% yield from a stock, bond or mutual fund, but that security can drop in value far more than 6% quickly, wiping out the net impact of the yield you receive. Your stock, bond or mutual fund may never recover so your principal is not secure.
If you have an IRA or Roth IRA or SEP IRA or any other tax qualified plan you can roll it over to a self directed IRA at Provident Trust which is set up to handle mortgage bridge loans and use the money to invest in the Mortgage Bridge program.
The people I trust to send my listeners to are Ted Leutz and Lynette Robbins, Founders at The Knowles System, LLC, a complete financial strategy company. They are both in their 60s and have been doing this for many years. Ive sent my listeners to Ted and Lynette over the past several years and have had only wonderful feedback for their safe programs and strategies. Their phone number is 888-518-3113 X 2. Commercial Properties are limited to availability so I suggest you call The Knowles Team ASAP for more information and availability.
Knowles Systems, LLC may also ask you to sign a Non Disclosure Agreement (NDA) which assures you that any data you give them will be held in complete confidence and privacy, and it also assures them that if they put in huge amount of time, effort and expertise to come up with a plan that you like, that you will implement it through them.


Does anyone have any input on this?
General Economics Deals
Used Car Bargain
Added on : Monday May 12th 2014 03:00:08 PM
g: 0 Posted By: TheThinker
Views: 74 Replies: 1 4 years ago, I purchased my first car. I had very little money. Based on the advice I got here at Fatwallet, I bought a car with a GM 3800 V6 engine. I was told these are some of the most reliable engines ever made. For $3,000 I got a 1999 Buick Regal GS. Sure, it is known as a granny car and I was in my 20s, but it had only 80k miles, a solid GM 3800 V6, leather seats, and no problems, clean carfax and title. I sold it about 8 months ago after going overseas for several months. Now I am back and find myself in the same position, needing a cheap but reliable car.
Please help with some good advice. Important points:

1. I would like a different car brand for a change, not another Buick
2. My absolute top price is $5.5k, I hope I spend closer to 4k
3. Important point: I only drive 4k miles a year. Yes, you read that correctly. I have a really short commute... the car is mainly for errands,road trips, and going to the beach or movies. In 3.5 years of ownership I drove a total of 11k miles

I do not want zipcar or rental, I want my own car. How can I get a bargain, under $5k? I only intend on owning it for maybe 3 years and driving 12k miles tops.but I dont want something that breaks down or needs a new transmission.

I found a decent Camry, but the seats and floor are very stained. These are old stains so I'm not sure if getting the car detailed would solve that problem. Idon't need a super clean car but I dont want a car that looks filthy with coffee and soda stains in the interior.

By the way, Craigslist is a nightmare. I have called 12 people... they either do not have the title in their name, refuse to give me the VIN, admit there was an accident, or tell me the car is perfect condition when I can clearly see damage under the hood. Apparently it is quite hard to find a decentcar on CL with a clean title, no accidents, no noticeable large dents, and no ridiculously high price. Then there are CL people who are very rude and get offended when I askwhy they are selling the car and if the title is in their name. Please help, thanks.

Mandatory note: I'm sorry but no trucks, no minivan, no convertable, and no Crown Vic. I want a sedan or coupe, or a SUV that isnt huge.Crown Vic is not for me.
Free clarinet reeds by DAddario
Added on : Monday May 12th 2014 02:00:08 PM
g: 0 Posted By: remick
Views: 26 Replies: 0 https://www.surveyusa123.com/S.aspx?s=709&r=4EUD8sAMtUe.BhAbBESC...

Thank you for your interest in this fun and exciting project! Woodwind & Brasswind is proud to be partnering with D'Addario Woodwinds as they move toward the release of their latest generation of Reserve reeds (a box of which will soon be at your door).

​After you fill out your mailing address on the next pages along with your preferred reed strength, D'Addario Woodwinds will be shipping you a selection of their new Reserve reeds. We'll give you a few weeks to try the reeds out, and after you've had some time to test them, we'll be sending you a short survey to provide D'Addario Woodwinds with your feedback about your experience with the new Reserve reeds.

On a final note, we'd like to remind you that, as always, no one will try to sell you anything as the result of your participation. Our goal is to get your honest feedback to help Woodwind & Brasswind and its partners better serve your needs.
Surveys & Rewards Deals
Buying businesses for fun and profit?
Added on : Monday May 12th 2014 01:00:07 PM
g: 0 Posted By: SegaRob
Views: 135 Replies: 1 I made a good income this past year and got a big tax bill, so I've talking around to try to find ways to reduce my tax burden. A friend suggested buying a business with a tax-loss carryforward and use the losses to offset my income. He had never done this before, but said he knew people who bought large carry-forward for pennies on the dollar. So in theory, you could buy a bankrupt business with $100,000 in tax-losses for about $1,000 and saving ~30% on the tax deduction for tax savings of $30,000. After doing a little research, it seems like this is a well-known strategy but the paperwork and accounting is not as straightforward as the idea makes it seem. Moreover, trying to find such businesses for sale hasn't been very easy.

On the other hand, while looking for businesses to buy for tax-loss purposes, I found tons of profitable businesses that are selling for less than the yearly cash flow, implying a ROI >100%. Obviously this sounds too good to be true, so I imagine they probably have a catch. Maybe not as profitable as they claim, maybe hidden debt obligations, maybe owner spends day and night running the business. Clearly, anyone would have to do their due diligence before buying anything. There are multiple sites on the internet for these business for sale. This is one example: http://www.bizbuysell.com.

Does anyone have any thoughts, advice, experience with either of these ideas?
Question Deals
g: -3 Posted By: tys901
Views: 327 Replies: 5 I had been watching these for a while and the prices fluctuate wildly based on availability. Looks like a few of the colors are in stock at some of the lowest prices I've seen.

Aurora Purple Haze$189.99
Durango Glacier Blue$194.99
Moab Purple Haze$189.99
Pivothead HD recording polarized sunglasses $189.99-$194.99
Added on : Monday May 12th 2014 06:00:06 AM
g: 0 Posted By: tys901
Views: 112 Replies: 1 I had been watching these for a while and the prices fluctuate wildly based on availability. Looks like a few of the colors are in stock at some of the lowest prices I've seen.

Aurora Purple Haze$189.99
Durango Glacier Blue$194.99
Moab Purple Haze$189.99
Pop Beauty Beaming Baked Eye Set - $11.94 shipped @ Stage
Added on : Sunday May 11th 2014 01:00:05 PM
g: 0 Posted By: hellokitty27
Views: 229 Replies: 0 Stage has the Pop Beauty Beaming Baked Eye Setfor $4.99 w/ $6.95 shipping.

Includes 10 baked eyeshadows & duo tipped applicator
Cool-toned shimmer and satin finish colors
0.46-oz.
Imported

A similar, but smaller, palette from Pop Beauty costs $22.00 at Ulta.
Makeup Deals

Stage Stores Coupons
g: 0 Posted By: DaysFan
Views: 85 Replies: 0 http://www.brylanehome.comOversized 10' x 15' Instant Pop Up Gazebo With ScreenItem #: 1588-08339-1353$599.99Now: $269.99 Save 55%- Promo Code: bhextra20,
Returns will be credited at the discounted price. Discount does not apply to multiple units of the same item. Not applicable to gift cards or prior purchases. Applies to subtotal only. May not be redeemed for cash or combined with other offers. Excludes items shipped from manufacturer, clearance, srtwork, mirrors, select rugs, select lighting, select bath accessories, seleect slipcovers, select furniture, jewelry, fragrance, Cuisinart Singer,& eBags. Valid 1 time only. Expires 11/1/14 mid. EST This spacious, portable, pop-up gazebo sets up in minutes and lets you enjoy the outdoors longer by shading you and your outdoor furniture from the sun. features a rust-resistant steel frame fire-retardant polyester canopy nylon netting keeps insects out guide wires and ground stakes secure in lawn or soil easy, no-tools assembly includes wheeled carry bag for easy storage spot clean fill this spacious gazebo with our extremely comfortable outdoor furniture to extend your patio well into your backyard.This large outdoor gazebo offers a huge 10' x 15' shaded area perfect for picnics, parties and relaxing.Why Buy?Our outdoor furniture is a great way to take advantage of the sweet smell and feel of the seasons without giving up the comfort of your living room recliner and sofa.
Merchandise Subtotal $269.99Promotional Savings ($54.00)Merchandise Total $215.99Standard Shipping $26.99Additional S&H $25.00Estimated Sales Tax $0.00* Your Subtotal $267.98
Free Kindle Book- Italy for First Timers
Added on : Sunday May 11th 2014 04:00:16 AM
g: 0 Posted By: remick
Views: 22 Replies: 0 http://www.amazon.com/gp/product/B00I9P0VO8

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


also free

Colosseum in Rome - a travel guide and tour as with the best local guide (Rome Travel Stories)
http://www.amazon.com/Colosseum-Rome-travel-Travel-Stories-ebook...

Italy Luxury: Family Hotels & Resorts
http://www.amazon.com/Italy-Luxury-Family-Hotels-Resorts-ebook/d...
g: 1 Posted By: st4rdust
Views: 492 Replies: 0 aerie is offering afree women's swim bottomwith the purchase of any women's swim top.Shipping is free. At the time of posting, several styles/sizes are available.

No coupon code needed, just add your swimsuit set of choice to your cart and you'll be good to go. Most tops I looked at had the matching bottoms in the "people that bought this item also bought..." section. If you like to mix and match,here's the page of swimsuit bottoms​.

Some cute pairings:

Blakely Bikini Top(Pictured) & Hipster Bottom- $34.95
Cutout Bandeau Bikini Top& Printed Bikini Bottom-$14.99
Crocheted Bandeau Bikini Top& Classic Bikini Bottom-$24.99
Tie Dye Halter Bikini Top& Tie Dye Bikini Bottom-$19.99
Soft Bandeau Bikini Top& Matching Bikini Bottom-$24.95
Emma Pushup Bikini Top& Matching Bikini Bottom-$39.95
Tropic Floral Corset Bikini Top(Pictured)& Tropic Floral Bikini Bottom-$29.99

Clothing Deals

aerie Coupons
AOC - 19.5" LED HD Monitor - Black $84.99 w/FS @ Best Buy
Added on : Saturday May 10th 2014 07:00:03 PM
g: 0 Posted By: ctgolfer
Views: 43 Replies: 0 Ultrafast 5 ms response time
Allows pixels to change colors quickly, so you can enjoy action-packed movie scenes and video games without streaking, blurring and ghosting.
19.5" widescreen flat-panel LED display
Measures just 1.9" thin for easy wall mounting (optional mounting kit required, not included).
20,000,000:1 dynamic contrast ratio
Provides a high number of shades between black and white, enabling accurate color reproduction when displaying extreme differences between light and dark for excellent picture quality.
200 cd/m brightness
For a highly visible display and clear on-screen images.
1600 x 900 maximum resolution in 16:9 format
Offers arresting images with rich detail.
90 horizontal and 50 vertical viewing angles
Let you clearly see the screen from multiple vantage points.
Digital (DVI-D with HDCP) and standard analog VGA inputs
Permit connection to both digital and analog devices.
User-friendly graphical OSD (on-screen display) menu
Makes it easy to adjust the picture to your liking.
Hairline texture finish in black
Provides a stylish look.
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.

http://www.bestbuy.com/site/aoc-19-5-led-hd-monitor-black/729206...
Monitors Deals

Best Buy Coupons
g: 0 Posted By: DaysFan
Views: 209 Replies: 0 JCPenney: $10 Off $25 Select Items + Extra 10% Off Furniture, Watches & More in StoresTake $10 Off $25 on Apparel, Shoes, Accessories, Home & More + Extra 10% Off Furniture, Watches & More. Expires on 5/11/14.Terms and Conditions: $10 of select original, regular, sale & clearance-priced apparel, shoes, accessories, fine jewelry and home purchases of $25 or more. Extra 10% of select original, regular, sale & clearance-priced watches, furniture, mattresses & custom blinds and shades purchases. Each offer good in store only, excluding taxes and shipping charges, 5/8/14-5/11/14. Does not apply to Best Value, Levis, Disney Shop, Assets Red Hot Label by Spanx, Nike, Converse, Clarks, Athletic Shoes, Jewelry Trunk Shows, the Diamond Vault, TechnoMarine Watches, Sephora, Le Creuset, Sophie Conran, Royal Doulton, Celebrations, Food, Kitchen Electrics, Floor Care, Joseph Joseph, Hunter Douglas, In- Home Custom Decorating, Baby Gear, Services, Service Plans, Gift Cards, Furniture Outlet purchases, current orders and prior purchases, or in combination with other coupons. Can be combined with earned jcp rewards. Coupon cannot be used for payment on account. Coupon cannot be redeemed as cash or merchandise credit if merchandise is returned. $ of savings applied to all qualifying items on prorated basis; any refunds will be given in the prorated amount. No cash value.
print at http://www.jcpenney.com/
or pick up one in the store
Clothing Deals
Macys.com Receive a FREE 6-Pc. Gift with $35 Lancme purchase
Added on : Saturday May 10th 2014 05:00:04 AM
g: 0 Posted By: DaysFan
Views: 164 Replies: 0 http://www1.macys.com/shop/product/receive-a-free-6-pc-gift-with-35-lancome-purchase?ID=1405364&CategoryID=28688#fn=sp%3D1%26spc%3D294%26kws%3Dlancome%26slotId%3Drec(1)
linked
http://www.macys.comReceive a FREE 6-Pc. Gift with $35 Lancme purchaseWeb ID: 1405364Product DetailsReceive a FREE 6-Pc. Gift with $35 Lancme purchase. Gift includes:

Bi-Facil Eye Makeup Remover
Hypnse Drama Mascara
Choice of Tote: Red or Blue
Choice of Day & Eye Moisturizers: Rnergie Lift Multi-Action Day & Eye (lifts, firms & tighten), High Rsolution Refill-3X Day & Eye (fights wrinkles) OR Bienfait Multi-Vital Day Cream & Gnifique Eye (hydrates, protects & diminishes dark circles)
Choice of 1 Makeup Favorite: Juicy Tubes Ultra Shiny Lip Gloss in Simmer or Magic Spell OR Color Design 5 Shadow & Liner Palette in Petal Pusher or Taupe Craze
(A $79-$110 value)
Your gift will be added automatically at checkout with any $35 Lancme purchase. Minimum purchase amount does not include the purchase of gift card(s), tax, shipping or gift wrap charges.
One gift per customer. Available while supplies last. Online only

Makeup Deals

Macy's Coupons
g: 0 Posted By: ctgolfer
Views: 20 Replies: 0 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

www.ebay.com/itm/360858943506
g: 0 Posted By: st4rdust
Views: 163 Replies: 0 Ulta has the limited editionNYX Cosmetics "Love is in the Air" 18-pc. Nail Art Collectionfor $4.99 - coupon code "200203" = $3.99. Shipping is free on orders of $25 or more. Otherwise shipping adds $5.95.

This is currently $20.00 herefrom the manufacturer.

Includes 18 mini nail polishes in various spring shades.

Here is a versatile Ulta makeup deal if you're looking to build up to the free shipping threshold.
Health & Beauty Deals

ULTA Coupons
Out of Network charges
Added on : Friday May 09th 2014 04:00:09 PM
g: 0 Posted By: Dilbertic
Views: 44 Replies: 0 Late Nov 2013 I broke some toes and my doctor refereed me to this foot doctors office, but the foot doctors office told my doctor that the doctor they wanted me to use didn't handle broken toes, and suggested I use another doctor within that office. So they made an Appt with him and I went also knowing he was covered under my Ins plan.

I knew the minute I walked in this office I should have walked right out, it was a fast food shop, long lines and quick turn around, but I waited over an hour, half of which was paperwork and then when I asked how much longer they put me in a room and the Doctors Asst came in and talk to me, he was great, but all really did was take notes and look at my foot and xrays I had from my doctors office and then leave the room, and brief the primary doctor, who came in for about 10 minutes total telling me this is what you need to do and try to up sell me on a knee cart he helped design, and a bone stimulator for my foot and of course a boot.

I said no to the knee cart that wasn't going to happen for broken toes, and I have to think about the bone stimulator and yes to the boot, so he calls in this guy who say " I am a in house service " for the doctor and makes a molding of my foot for a boot and tells me it will be ready in a few weeks. 1 week later I get a call to come get a temp boot made out of plastic and a quick fitting for it. This boot was one of those you could order online and runs about 80 to 100 bucks and told the molded cast boot will be in the next few weeks, so 2 weeks later I get a call to come try on the other boot.

My foot is still swelled up and its a really tight fight, but wait this is not a soft cast boot, it's a custom black leather open toe'd boot with laces and boot straps and it hurts to put it on, and I am told I am going to have to find a shoe person to custom enlarge my shoe so the boot will fit inside of it.. WTH

A week later I check online with my Ins company, I am billed 300.00 for the plastic boot and 1500.00 for the black boot and it says it's only cover at 50% because this in house service provider is out of network which I was never told, so I call them up and they said yup we are not covered my that Ins company and I asked why wasn't I told this and they had no answer. I called my Ins company and they said they would look into it and said nope we will only cover 50%. The worse part is my foot doctor has some sales lady call me and said your Ins company already approved the bone stimulator for the toon of 3700.00 paid out and billed my Ins company for almost 6k, which sells for about 800.00 to 1k online.

I went back to the doctor and explained all this and said the boot hurts to wear and my foot swells up even more when I wear it which was only 1 time and he said not to wear it, but I can't return it, because it's custom. So now the in house service place is hounding me to pay my portion which I was tricked into using them by my in network house. I am pretty sure kick backs are going on here and wonder if that's even legal?

So what can I do about this bait and switch

Thanks for input
Question Deals
Bench vises on clearance @ HomeDepot.
Added on : Friday May 09th 2014 11:00:03 AM
g: 0 Posted By: bluestraw
Views: 118 Replies: 0 My Homedepot had all their Irwin bench vises yellow tagged. I picked up a 4" drill press vise for $11. That's down from $19.99 i believe. Anyway, maybe someone else can confirm at their local HD. There were 2 spots for Wilton vises marked down aswell.
Tools Deals

Home Depot Coupons
Aviator with Bamboo Detail Sunglasses with unisex aviator gold frame, bamboo top bar and flat bridge. Featuring brown shaded lenses with logo detail, nose pads, metal arm with logo at temple and bamboo ear. 100% UV protection. Made in Italy.
Round Havana Women»s Sunglasses with round unisex Havana optyl frame and curved bridge. Featuring brown shaded lenses, metal inserts and dark havana optyl temples with G metal logo. 100% UV protection. Made in Italy.
Russell Athletic Pocket T-shirts $2.99 Sears In-Store YMMV
Added on : Friday May 09th 2014 07:00:05 AM
g: 0 Posted By: blueribb
Views: 250 Replies: 0 Regular price $14.00 (from label). I found a large stack of these T Shirts at my local Sears store this morning while browsing the men's department. They were on a clearance rack in the aisle. Each had a pink clearance tag marked $2.99. There were many different colors to choose from. They look quite large but I'm sure they shrink when washed. The product number from tag is: 68014M0. I have included scans of the tags and shirt. I don't know if this is nationwide or a local deal.
Clothing Deals

Sears Coupons
g: 0 Posted By: bpvh
Views: 124 Replies: 0 Office Depot rebate software for the week of 05/11/2014 (3-$15AR, 1-$20AR)


McAfee Total Protection For 3 PCs http://www.officedepot.com/a/products/106319/McAfee-Total-Protec...
$14.99 After $15 Instant & $50 Mail-In Savings Visa Prepaid Card
Save $65
In Store Price $64.99
Item #106319
http://forms.young-america.com/136204_MC71-451-2014-05-02.pdf


McAfee Total Protection http://www.officedepot.com/a/products/106292/McAfee-Total-Protec...
$14.99 After $5 Instant & $40 Mfr. Mail-In Savings
Save $45
In Store Price $54.99
Item #106292
http://forms.young-america.com/136244_MC71-456-2014-05-05.pdf


McAfee Internet Security For 3 PCs http://www.officedepot.com/a/products/101324/McAfee-Internet-Sec...
$14.99 After $5 Instant & $50 Mail-In Savings Visa Prepaid Card
Save $55
In Store Price $64.99
Item #101324
http://forms.young-america.com/136243_MC71-455-2014-05-05.pdf


AVG Internet Security + PC Tune Up http://www.officedepot.com/a/products/211007/AVG-Internet-Securi...
$19.99 After $30 Mfr. Mail-In Visa Prepaid Card & $40 Mfr. Current User Upgrade Mail-In Savings
Save $70
In Store Price $89.99
Item #211007
http://forms.young-america.com/136141_NV71-984-2014-04-30.pdf
http://forms.young-america.com/136142_NV71-985-2014-04-30.pdf
++ Customer may only redeem ONE rebate (pair) per specified product per 12 month period from date of purchase.


====================

****ALERT ON McAfee REBATES****

McAfee haphazardly enforces a one per product limit on its rebates. It does not matter if the rebate has a different rebate number or offer period. The rebate invalidation message is "Your rebate request did not pass our audit process".

UPDATE:
--- While it appeared from several posts over the past year on FW and SD that McAfee was no longer enforcing the one rebate per product limit, it now appears that the "Your rebate request did not pass our audit process" invalidation has returned.
--- There is one poster on FW who had not submitted a McAfee rebate since falling victim to the Summer 2010 debacle until June 2012. The rebate submission was invalidated. After failing to get the rebate processor to valid the rebate, the poster was able to convince a McAfee representative to make good on the rebate. Not sure what to make of this but it is possible that at least some of those black listed during the Summer 2010 debacle are black listed for life.

====================

NOTES:

--- Link to Office Depot's rebate website: LINK
--- "FAR": free after rebate
--- "completely new rebates": the goal of my Office Depot rebate threads is that the rebates of any title listed in the "completely new rebates" category can be submitted without concern for past rebate submissions.
--- "standard rebate": all rebate proofs can be satisfied with the purchase of the title.
--- "upgrade rebate": at least one rebate proof requires providing a certain proof of owning a previous version of the product or a competitors' product.
--- "CONTINUING rebate": the rebate was not offered for the first time during this offer period. Please check your rebate submission history to determine whether you have submitted this rebate in the past.
--- "onbox" or "inbox" rebate: the rebate form or the information for submitting the rebate are found on or in the product box. If known, a link to a pdf version of the rebate or the pre-submission information for the rebate are provided.
--- "Instant Savings": When a rebate item includes an instant savings, it is possible that the price of the item will not be correctly reflected on the website until some time later.

====================
Software Deals

Office Depot Coupons
Oakley 'Pampered' Sunglasses (watermelon/grey) - $54.99 FS @ Oakley
Added on : Thursday May 08th 2014 07:00:03 PM
g: 0 Posted By: Xenocrates
Views: 87 Replies: 0 Oakley 'Pampered' Sunglasses(watermelon/grey) - $54.99 FS@ Oakley

Was $110.00

Free Returns (90 days)

Lens:

Polarized Minimized glare via technology that produces the best polarized lenses on the planet with greater than 99% polarization efficiency (optional)
Optimized peripheral vision and side protection of 6 base lens curvature
UV protection of Plutonite lens material that filters out 100% ofUVA/UVB/UVC& harmful blue light up to 400nm
Varied field of light transmission (top to bottom) via optional gradient lens shading
Optical precision and impact resistance meet or exceed Z80.3 optical and basic impact standards
Available with Oakley prescription lenses

Frame:

Durability and all-day comfort of lightweight, stress-resistant O Matter frame material
Comfort and performance of Three-Point Fit that holds lenses in precise optical alignment
Metal icon accents

Also available: Ideal - $65 for white and $89.99 for black
Sunglasses Deals
Looking for a whole bunch of advice on saving towards a home
Added on : Thursday May 08th 2014 06:00:06 PM
g: 0 Posted By: SyZpuzzler
Views: 84 Replies: 3 Hello,

Here is my entire backstory since I feel it is at least partially necessary to understand the situation:

29 years 5 months, currently working at Allstate making 39k a year in CA. UCLA degree in stats. Didn't finish until I was 26, long story. Current financial situation is:

Renting for $600 a month
12k student loans to one company, 17k to another. Total 29k, anywhere from 2.1% to 5.8%. $130 min payment for first, $210 for second
8.5k lien to Toyota for my 11 Yaris with 55k miles, should last a good while. 1.9% interest. $190 min payment
3.3k balance on a 4.8k limit with something absurd like 15% interest. $72 minimum payment
Car insurance + phone = $180 a month
Gas = roughly $75 a month
Food = varies

Other than that, I don't have many expenses. I go out with my girlfriend of 11 months, sometimes we eat out, or go into San Francisco (I'm currently in Pleasanton), go shopping, buy jigsaw puzzles, etc

Doing the math on the salary, after taxes and health insurance I pocket around $1200 every 2 weeks = $31.2k net a year

My plan, up through last week, was to pay off that 40k debt ASAP and then save for a house, with the aim of only ever purchasing one house in an area I really wanted. At that point I would be married, still single, whatever

At work we had a financial planner come, and he looked over everything and told me I was wrong.

Being good at math and logical thinking, he explained it to me this way:

Instead of paying off your 40k debt asap, you can make minimum payments and open up a savings account with the sole purpose of putting away money each paycheck for real estate. This money is not a 'savings account', it's just named that. This is not my money. I can't go take out 6k in a year when my car dies and I need it. This is another debt, and we can think of it as 'Jeff's future home purchase'.

This is where a part local to me comes in: Livermore, CA supposedly has a buyer program where you only need 3% down. 300k average condo prices, that's 9k. 200 a paycheck for 2 years is about 10k. I would then purchase a condo, mortgage the rest, and continue to do that while paying my minimum debt payments for a few years while the value hopefully goes up. Being that Livermore is a good, growing town in the Bay Area, the odds of this are strong. I would then sell, take the extra money and use it as a down payment on a bigger property, and continue this until I eventually have an actual 2k square foot, 3-4 bedroom house.

He said 'this is how you get wealthy and provide for your family. You can't not take any risks or else you won't own anything until you're 40'

My questions are this:

Supposedly, you can't get a mortgage for more than 34-40% of your total income after debts. The mortgage on that property would be something like $1800, which means I would need a salary of $60k. I can see a few raises within a few years which would put me between $45 and $50, but not $60.

Also, if this program is cancelled or changes, I can't afford it and interest on my other debts are accruing

I always thought you wanted 20% down to avoid PMI, but he says you don't. You need to get in a property you own immediately and start building equity.

My credit is fairly good, I don't know the actual # but I'm pretty sure I will be at least 730, which I understand is the cutoff for the best loans.

If I were to open a savings account for this reason, where should I go and why?

Is this guy right? I just don't see how I'm supposed to be able to afford an $1800 + mortgage, $500 + in other debts, and other expenses when my current monthly take home is ~ $2,500. And even if I got to a point where that was say $3,000, and my debts + mortage would be $2,300, I COULD live off $700, easily. But a bank wouldn't give me a loan because my debt to income isn't high enough

He's worked at this company for 20 years, he's well-trusted, Allstate is a big company and wouldn't have somebody giving this kind of advice if it weren't true or beneficial

I just don't see how it can work

Thanks

Investing Deals
g: 0 Posted By: Farfisa850
Views: 991 Replies: 2 http://www.ebay.com/itm/Nikon-D3100-Digital-SLR-Camera-w-18-55mm...

Product Information Nikon D3100 is a small, 14.2 MP camera that captures high-quality images and videos. This Nikon DSLR has a large 3-inch LCD monitor and is equipped with automatic correction of lateral chromatic aberration that prevents purple/green fringing. The Nikon D3100 supports a GPS unit, for automatically geo-tagging photos. Moreover, this Nikon camera features continuous autofocus during video recording. The Scene Auto Selector function in the Nikon D3100 helps with face detection and subject tracking. This Nikon DSLR includes active D-lighting basic in-camera movie editing options for greater functionality. Besides, this Nikon camera works pretty well in low-light situations without the use of flash.
Product Features
14.2 megapixel DX-format CMOS image sensor
14.2 megapixel DX-format CMOS image sensor delivers beautiful photographs and prints well beyond 20 x 30 inches.
Full 1080p HD Cinematic Video with full-time autofocus and sound
Full 1080p HD Cinematic Video with full-time autofocus and sound lets you record cinematic-quality movies in Full 1080p HD format (1920 x 1080 pixels).
Easy-to-use-featuring Nikon's guide mode
Easy-to-use-featuring Nikon's guide mode with intuitive controls and on-board assistance helping you take better pictures every step of the way.
Fast 11-point Autofocus System
Fast 11-point Autofocus System delivers razor-sharp pictures.
Built-in HDMI port
Built-in HDMI port lets you connect directly to your HDTV using an optional HDMI cable.
6 Automatic Exposure scene modes
6 Automatic Exposure scene modes just set the Mode dial to Portrait, Landscape, Child, Sports, Close-up or Night Portrait for stunning results in otherwise challenging conditions.
Picture control
Picture control lets you choose from Standard, Neutral, Vivid, Monochrome, Portrait, or Landscape to apply a personal look and feel to your pictures.
Built-in pop-up flash
Built-in pop-up flash for those times when there isn't enough light.
Compact and lightweight design
Beautifully styled, ready to go wherever life takes you.
Split-second shutter response
Split-second shutter response eliminates the frustration of shutter delay, capturing moments that other cameras miss.
ISO sensitivity 100-3200, expandable to ISO 12800 equivalent
ISO sensitivity 100-3200, expandable to ISO 12800 equivalent delivers exceptional results, even in the most challenging low-light situations.
Scene auto selector
Scene auto selector lets the D3100 decide the best mode to match the shooting situation when using Live View.
EXPEED 2
Nikon's image processing engine assures breathtakingly rich image quality, managing color, contrast, exposure, noise and speed.
Scene recognition system
Scene recognition system in Live View automatically optimizes exposure, autofocus, and white balance, allowing you to obtain beautiful photos without the hassle of making complicated camera adjustments yourself.
Active D-Lighting
Active D-Lighting restores picture-enhancing detail in shadows and highlights.
Automatic image sensor cleaning
Automatic image sensor cleaning uses an ultrasonic process and exclusive Airflow Control combats the accumulation of dust in front of the image sensor, safeguarding image quality shot after shot.
In-camera image editing
In-camera image editing allows creative freedom, without the need for a computer, offering easy editing functions.




SLR & dSLR Deals

eBay Coupons
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Moog MF-101 Moogerfooger Low Pass Filter White $199.99 FS Musicians Friend

http://www.musiciansfriend.com/stupid

Product Description

The award-winning MF-101 Lowpass Filter is a direct descendant of the original Moog modular synthesizers. It contains two complete modular functions: a voltage-controlled lowpass filter and an envelope follower. It can be used with any instrument-level to line level-signal.

The moogerfooger filter's control parameters are signal mix, cutoff frequency, resonance amount, and envelope amount. All of the Lowpass Filter's parameters can be controlled with expression pedals or external control voltages as well as by great feeling knobs which beg to be tweaked. Panel switches select filter mode and envelope follower speed. 1/4" jacks are provided for audio input and output, pedal/control inputs and envelope follower output. A heavy-duty, yet smooth-acting bypass switch allows tabletop or foot operation.

A lowpass filter removes high frequencies from a tone. It makes the tone sound more mellow or muted. The lower the Cutoff, the more muted the tone sounds. Imagine a window shade. As it is pulled down, it cuts out the higher light, then the light from the middle of the window, then finally all the light. The MF-101 Lowpass Filter does the same sort of thing to the sound spectrum with its Cutoff Control.
As you turn up the Resonance control, the overtones near the cutoff frequency are boosted. Resonance gives the moogerfooger filter the same classic Moog filter sound as the Minimoog; and Moog modular synthesizers.

The envelope follower tracks the loudness contour (envelope) of a sound, and produces a voltage that follows the dynamics of your playing. Every time you play a note, the envelope voltage goes up and then down. The harder you play, the higher the envelope voltage goes. The envelope follower opens and closes the lowpass filter. Think of the envelope voltage as an invisible hand that turns the CUTOFF knob up and down every time you play a note. Since the envelope follows the dynamics of your instrument's signal, you actually play the filter as you play your instrument.
Features

CUTOFF rotary control, which varies the filter's cutoff frequency over an eight-octave range
RESONANCE rotary control, which varies the shape of the filter's response, from pure lowpass to actual oscillation
ENVELOPE AMOUNT rotary control, which adjusts the amount that the input signal's envelope sweeps the filter cutoff frequency
MIX rotary control, which crossfades continuously from unfiltered to filtered audio
DRIVE rotary control, which adjusts the gain of the audio input
SMOOTH-FAST rocker switch, which chooses between smooth and fast envelope follower response
2-POLE 4-POLE rocker switch, which chooses between 2-pole (bright) and 4-pole (deep) filter frequency response
LEVEL, a three-color LED that is used to set the DRIVE control
ENV, a LED that indicates the strength of the envelope voltage
BYPASS, a two-color LED that tells whether the filter is on or bypassed

No Buyer's Agent in HOT Market?
Added on : Thursday May 08th 2014 07:00:09 AM
g: 0 Posted By: ltcm
Views: 38 Replies: 1 I'm trying to buy a house in a very hot market -- specifically for the type of properties I'm looking at (suburban, cookie cutter houses, low-mid price range for the area). Just this week I drove 5 houses that had come on the market within the last day, and now all five are under contract. I have not retained a buyer's agent because I can't find a good rebating agent here (could use Redfin, but I'd prefer not to give up that much commission), but I feel like I'm at a distinct disadvantage by not having an agent who could do an immediate showing and write an offer. I was planning to make a full-price offer (since everything is selling at full-price) and ask for a refund of the buyer's agent commission at closing (zero impact to homeowner), or even offer to give the selling agent 0.5% of the commission and I keep the rest. Should I break down and get an agent in order to be competitive?
g: 1 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B00K5I3L0S

*Includes pictures.
*Includes the stars' own quotes about their lives and careers.
*Includes suggested playlists and analyses of their music.
*Includes bibliographies for further reading.
*Includes a table of contents.

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

In fact, Jimi Hendr