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g: 0 Posted By: ctgolfer
Views: 172 Replies: 0 RYOBI 18-Volt ONE+ System introduces the ultimate power tool collection and for a limited time, this kit includes the RYOBI In-Vehicle Charger. The drill/driver is compact and powerful enough to handle any job on your project list. The impact driver features a Tri-Beam LED light that eliminates shadows on work pieces. The bits are easy to reload and the MagTray is ideal for holding bits and screws for many jobs. JobPlus base with Multi-tool Attachment is the most versatile 18-Volt multi-tool on the market. It accepts accessories from all popular brands using the universal adaptor and also accepts Ridgid JobMax interchangeable tool heads. The Anti-Vibe reciprocating saw reduces user fatigue and the adjustable, pivoting shoe allows depth-of-cut control and more efficient use of blade. The circular saw features the ExactLine laser which automatically activates for improved cutting accuracy. The work light has a multi-functional design that sits flat on battery, on end, or hangs for ultimate lighting versatility. They all have new and improved GripZone oversold for optimum grip and user comfort.

www.homedepot.com/p/Ryobi-18-Volt-ONE-6-Piece-ULTIMATE-Lithium-I...


also available:

18-Volt ONE+ 5PC. Lithium-Ion Cordless Combo Kit with Car Charger $229
The RYOBI 18-Volt ONE+ System introduce an online exclusive power tool collection and for a limited time, this kit includes the RYOBI In-Vehicle Charger. The drill/driver is compact and powerful enough to handle any job on your project list. The impact driver features a Tri-Beam LED light that eliminates shadows on work pieces. The bits are easy to reload and the MagTray is ideal for holding bits and screws for many jobs. JobPlus base with Multi-tool Attachment is the most versatile 18-Volt multi-tool on the market. It accepts accessories from all popular brands using the universal adaptor and also accepts Ridgid JobMax interchangeable tool heads. The Anti-Vibe reciprocating saw reduces user fatigue and the adjustable, pivoting shoe allows depth-of-cut control and more efficient use of blade. The circular saw features the ExactLine laser which automatically activates for improved cutting accuracy. They all have new and improved GripZone overmold for optimum grip and user comfort. This kit also includes the RYOBI In-Vehicle charger which plugs into vehicle's 12-volt DC outlet for convenience to charge batteries when power is limited.

www.homedepot.com/p/Ryobi-18-Volt-ONE-5PC-Lithium-Ion-Cordless-C...
Tools Deals

Home Depot Coupons
eTrade vs optionsXpress
Added on : Sunday August 31st 2014 09:00:06 PM
g: 0 Posted By: salilsurendran
Views: 20 Replies: 0 Hello,
I had ETrade but opened an account with optionsXpress because they were cheaper when making mutual fund trades. However, I find that optionsXpress don't have as many mutual funds to trade as ETrade and also it is very difficult to search in their database as to if that mutual fund is available for trading. So many times I research and find some funds but those funds are not available in optionsXpress. Anyone find the same?
Question Deals
Large Glitter Cream Eyeshadow Palette $9.25 + Ship @icing.com
Added on : Sunday August 31st 2014 05:00:05 PM
g: 0 Posted By: bbedcde
Views: 214 Replies: 0 http://www.icing.com/us/products/large-glitter-cream-eyeshadow-p...
Details:Create fun, funky glamorous looks with this large glitter cream eyeshadow palette that has every color of the rainbow and then some.

9"L x 5 3/4"H x 1/2"W
Contains: 28 glitter cream eyeshadows

Beauty Deals

Icing.com Coupons
Hydrangea Tablecloth $68.95 + Ship @softsurroundingsoutlet.com
Added on : Sunday August 31st 2014 05:00:03 PM
g: 0 Posted By: bbedcde
Views: 206 Replies: 0 http://www.softsurroundingsoutlet.com/P/Hydrangea_Tablecloth/

Was: $88.95

About:
Heralding the warm, bright days of summer, our cotton tablecloth and napkins (sold separately) are abloom with a garden's worth of sunny hydrangeas. Evoking the dappled beauty of a watercolor painting, this artistic motif is rendered in brilliant shades of yellow, leaf green and sky blue, with a navy border treatment for a polished finish. Each sold separately.
Home & Garden Deals
costco 65" Slumber Cat Tower 29.97 YMMV
Added on : Sunday August 31st 2014 10:00:04 AM
g: 0 Posted By: bearsloft
Views: 328 Replies: 0 A few weeks ago I purchased a Beatrise "65 Slumber Cat Tower for $49.97 at my local Costco. I believe this item was originally priced at 79.99 or 89.99 so I purchased feeling proud to have saved that much money. Today I spotted the same product now priced at $29.97. After a little of bit of drama I did get the price difference refunded to me, but thought I'd share with my fellow cat owners who are burdened with excess space in their house

The item itself is well made. It's heavy and very sturdy, covered completely in a shag carpet. Mine has a light tan, but they all seemed to have different shades of tan or brown. Both my local stores just outside of Cincinnati, OH have lots of these in stock. I marked this post YMMV as I have no idea if these are offered nation wide. The website no longer has info on these. The costco item number is 815603.

My younger cat loves it. We got it to encourage her to STOP sitting directly in front of our plasma screen TV.

Bear
Pets Deals
g: 0 Posted By: bittul
Views: 1 Replies: 0 https://www.sears.com/shc/s/p_10153_12605_00347580000P

$79.99 + Free Shipping.

Earn $40 in points. ($44 if paying all in cash)

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
For me this was a no-brainer, as I had a $5 off $50 coupon, + the $20/$20 FB coupon, + $10 in surprise points. (so ended up paying $65 in points, and getting back $60)
g: 0 Posted By: bankbonusexpert
Views: 0 Replies: 0 I own a building in MN. I had a lawyer write a lease for me, I filled up the building, and the first person is now leaving. In accordance with the lease, when they moved out I charged a $100 move-out/trash fee and just deducted that from their security deposit. I itemized it correctly, but they are suing me saying that the law does not allow me to deduct anything from security deposits except for repairs. The law says that only repairs and other amounts due that are agreed to can be deducted. Surely this was meant to cover unpaid rent, but from my standpoint the tenant agreed to the fee and I don't see why I wouldn't be allowed to deduct it.

She is suing me for $500 plus $300 (three times the amount deducted for bad faith). The lawyer that wrote the lease told me he wouldn't be able to take on a case due to his current caseload. If I'm not allowed to deduct the $100 I would be willing to pay that back to them, but I really think $800 is unfair, and anything over maybe like $120 seems unfair. But I'd also like to know if I'm not allowed to charge that so that I don't make the same mistake again. I talked to a second lawyer and he said he'd charge more than $800 to get this done so it wouldn't be worthwhile. My lease says that I get attorneys fees in an action I bring, but doesn't grant them to me in an action the tenant brings even if the tenant loses-thank you previous lawyer...

Anyway, I know there are a lot of landlords on here, what would you do?
Deal Extreme Dash cam for under $20 with free shipping
Added on : Saturday August 30th 2014 07:00:07 PM
g: 0 Posted By: jeeperscreepers
Views: 135 Replies: 0 Deal Extreme (DX.COM) Dash cam for under $20 with free shipping. They are in Hong Kong but I have had excellent service from them over the years.
linkyhttp://deals.dx.com/team.php?sku=315172

info on camera

Mini Size 1.5" TFT 5.0MP 12 IR LED Car Vehicle CAM Video Dash Camcorder (SKU 315172)
Detail
Color Black
Model C600
Quantity 1 Set
Packing List 1 x Car DVR
1 x Car charger (12~24V / 400cm)
1 x USB cable (60cm)
1 x Car mount
1 x English / Russian / Chinese user manual
Chip
Sunplus 1521
LCD
1.5"TFT LCD Screen
Lens
90 Degree Wide Angle Lens 7670 Camera
Night Vision
Support(12 lights)
Video Resolution
1280*720 (720P 30 fps) 848*480(30 fps) 640*480 (30 fps)
Video Format
MJPEG (AVI)
Photo Format
JPEG
Photo Resolution
8M/5M/3M/2MHD/VGA/1.3M
Media Storage
Internal Memory 64MB
TF card, up to 32GB
Optional Language
English, simplified, traditional, Spanish, French, Portuguese,Russian, German, Japanese, Korean, polish, Hungarian, Czech.
Interface
support USB 2.0
Night vision nfrared lamp
Support
motion detection function
Support
network camera function
Support
Audio
Built in microphone/speaker
Battery
Built-in battery, 380mAH, working time of 90 minutes
Accessories
User Manual, USB cable, car charger, mount framer,
Manual Language
English, simplified, traditional, Spanish, French, Portuguese,Russian, German, Japanese, Korean, polish, Hungarian, Czech





Cameras Deals
NY Times: 7 Steps To Cheap Hotels
Added on : Saturday August 30th 2014 03:00:09 PM
g: 0 Posted By: LArugby
Views: 92 Replies: 1 The NY Times has an excellent travel section (certainly better than the nonsense we deal with at the LA Times). One of my favorite travel writers is Seth Kugel (probably because I wish I had his life of writing for the NY Times, covering events such as the "Pastry Festival" in Nice or the latest Hefewiezen tastings in Munich). He's known as the "Frugal Traveler" and often has some good tips on where to stay, book, and when to go.

One of his latest is "7 Steps To Cheaper Hotel Rooms". Its something that can help readers on FatWallet. Here is the article:http://www.nytimes.com/2014/08/10/travel/7-steps-to-a-cheaper-ho...

When reading I thought, "I could do better with some of my own tips" particularly when he mentioned Kayak.com as the site to use to check rates. For me, that is not a tip for 2014. It's more 2008. Why? Every time I search on Kayak it almost always pulls up the rates on Priceline or Expedia. This search "100 sites stuff" that Kayak touts in the slogans is highly questionable. They seem to search about 3 or 4 sites.

It seems plenty of readers felt that way too. So the "Frugal Traveler" gave us a follow up based on reader comments that is worth checking out.

His follow up was "Readers Respond To Hotel Tips":http://www.nytimes.com/2014/08/19/travel/readers-respond-to-hote...

In this one he takes it on the chin with some comments that some readers found questionable. However, what I saw as the best comment in both articles was the mentioning of BestTravelCoupon.com and how it measured up with Kayak. Kugel did a rate comparison test and wrote that it did "Search more sites than Kayak" (How could it not?) and that it beats "Kayak's best". I thought the "Frugal Traveler" came up with a good tip here. It's a site I use and it does beat up Kayak whenever I compare the sites.

Check out both links to the NY Times above. You'll find some good info in there on saving on travel including the stuff on BestTravelCoupon and a mention of Yapta which is a newer travel service for flights which I was not aware of.

Hope you find this useful.




Popular Destinations Deals
Question regarding PA 529 Guaranteed Savings Plan
Added on : Saturday August 30th 2014 01:00:15 PM
g: 0 Posted By: munkyxtc
Views: 23 Replies: 0 My wife and I have been considering setting up PA 529 Guaranteed Savings Plans for our 2 children (2 & 4 years old) but I have a question which I'm not exactly clear on...

When you open an account you choose the tuition level for which you'd like to save in order to earn college credits; however, I had a question regarding what happens if my child(ren) later decide they want to go to a lower or higher tiered school?

Basically; to go to many state schools it recommends you save $275/mo per child; however, for Penn State it recommends $600+/month. I found the following blurb on the PA 529 site:
. said: Tuition level
When you open a PA 529 GSP account, you will be asked to designate a tuition level on the enrollment form. When you designate a tuition level, you are choosing the type of school for which you are saving. However, you may change your choice at any time and the change is made retroactively. Additionally, your tuition level will automatically be changed for you, if needed, to match your students school if he or she ultimately attends a specific Pennsylvania publicly funded college or university. The Tuition Level determines the growth on your account when used for qualified higher education expenses. It determines the tuition inflation rate of growth and the tuition inflation value of the account.

The way I read this is if I at a later date decide to change a lower tier that all of my previously paid funds will be converted to credits at the new tuition level based on the rates when I contributed. What I'm am question and want to make sure is that the conversion rate will not be made at the current prevailing rate as you'd end up potentially losing out on a ton of value the longer you'd wait to convert.

Does anyone have a definite answer on this? Thanks in advance.
g: 0 Posted By: hellokitty27
Views: 172 Replies: 0 Amazon has L'Oreal Colour Riche Lip Color in select shades starting at $5.67 when you Subscribe & Save.

Lipcolour with intensely rich color and hydration
Enriched with nourishing ingredients like Omega 3, Vitamin E, and Argan Oil to condition and soften lips
Available in a spectrum of gorgeous shades from bold to nearly nude



Health & Beauty Deals

Amazon Coupons
g: 0 Posted By: kingt888
Views: 110 Replies: 0 http://www.amazon.com/gp/product/B00LH9ED88/ie=UTF8&psc=1&smid=ATVPDKIKX0DER

~Includes the Skylanders SWAP Force Starter Pack, Skylanders SWAP Force Scorp Character, Skylanders SWAP Force Triple Character Pack (Hyper Beam Prism Break, Horn Blast Whirlwind, Rip Tide), and Skylanders SWAP Force Triple Character Pack: (Dune Bug, Phantom Cynder, Knockout Terrafin)
Other systems' prices varies

Nintendo Wii - $56.88
Xbox 360 - $55.64
Nintendo Wii U - $55.73
PS3 - $53.92
PS4 - $56.81
Xbox One - $56.63

A great starting kit for kid if your family haven't had the Skylander Swap Force, IMO

Toys Deals

Amazon Coupons
g: 0 Posted By: BigBoyMichigan
Views: 8 Replies: 0 First Niagara Bank $250.00 Bonus
How to get your $250.00 cash bonus**It's as easy as using your Pinnacle or PinnaclePlus Checking account. You can earn the $250 when you complete all three of the following within the first 60 days of opening your account.

Make a direct deposit totaling $250.00 or more.
Make ten debit card purchases.
Make five bill payments using Online/Mobile Banking.

Complete AnyOne: Earn$50.00total
Complete AnyTwo: Earn$100.00total
Complete AllThree: Earn$250.00total**BONUS (Choice Checking, Pinnacle Checking, and PinnaclePlus Checking Only)
You may be paid up to $250 as a cash bonus. To qualify for cash bonus you must open a new checking account.Criteria:Within 60 days of account opening you must complete at least one of the following with your new First Niagara account: direct deposits totaling $250 or more, or five (5) bill payments using Online/Mobile Banking, or ten (10) debit card purchases. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.Payment:$50 for 1st completed criteria, additional $50 for 2nd completed criteria, additional $150 for 3rd completed criteria. Total payout is up to $250.Timing:Cash bonus will be deposited into your new checking account within 30 days from end of the month in which you satisfy offer criteria. Applicable Bonus payments may be paid as one lump sum or as individual payments. Checking account must be open and maintain a positive balance in order to obtain the bonus. Account must remain open for 180 days to avoid a $25 Early Account Closing fee. Cannot be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on one account. Customers must be residents of CT, MA, PA or NY to participate in this offer. Not available to Trust or Estate accounts. Bank employees and members of their household are not eligible for this promotion. The amount of the cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS Form 1099-INT for the year in which the bonus is paid to you. Promotion runs through 9/12/2014 and can be withdrawn at any time.Minimum opening deposit is $50.00 for Choice and Pinnacle Checking and $500 for PinnaclePlus. Pinnacle Checking is an interest-bearing account. Interest-bearing accounts are variable rate accounts, which means we may change rates at any time. Interest Rates will not be tied to any index but will be set by us at our discretion. There is no limitation on the amount by which Interest Rates may change. As of 7/25/2014, Pinnacle and PinnaclePlus accounts earn an Annual Percentage Yield (APY) of 0.01% for all balances. Fees may reduce earnings on interest-bearing accounts.One-Swipe Balance is a trademark of First Niagara Financial Group, Inc.
Chase mortgage pre qualification
Added on : Friday August 29th 2014 01:00:05 PM
g: 0 Posted By: deeder
Views: 85 Replies: 2 Received pre qualification letter from Chase for a home. Credit score showed 817 out of 818 on equifax but it showed two negatives where one was clearly untrue and the other was only partially true. Said high balances on credit lines when its all paid in full monthly and I use very little and it said there an account with too short a history and I have been using my latest account and paying it back in full all the time with significant balance. Account is probably roughly a year old perhaps, not sure of the exact date offhand but I pay it each and every month and had large paybacks on multiple accounts including this one.

Guess after the account is opened longer I will get the full 818? Not that it matters. It isn't like I didn't already know my credit score was immaculate.


Discussion Deals
g: 0 Posted By: ShadowedBlade
Views: 170 Replies: 1 Bath & Body Works is once again doing a Mystery Coupon event like I've posted about here in the past. The coupons were released via email yesterday (08/28/2014) and I've figured out the 40% off coupon and am posting it here. This gets you 40% off your entire purchase IN STORE ONLY, including sale and clearance priced merchandise. I would have posted sooner, but I wanted to confirm that it worked properly at the register ... and it did. Saved over $265 tonight stacking sale and clearance prices with the coupon.

The coupon is valid through IN STORE ONLY through 09/01/2014. Here are the terms and conditions of the coupon:

Mystery offer will be 20%, 30% or 40% off your next purchase. To redeem in stores, present this email at checkout at time of purchase. No substitutions. This promotion code is not valid with any other offer that requires you to enter another promotional code at checkout. If another code is entered at checkout, this offer will be void. Offer valid at U.S. Bath & Body Works stores and BathandBodyWorks.com through11:59 p.m. EDT on September 1, 2014. Offer not valid at Bath & Body Works stores in Canada and White Barn Home stores.
Again, this is the 40% off coupon ... just like I've found and posted in the past. I am NOT bragging or anything ... I am simply saying that I have posted the coupon successfully in the past because someone always questions me as to if it is a valid coupon or not.

Hope everyone gets a chance to use it and SAVE!

Health & Beauty Deals

Bath and Body Works Coupons
JCPenney in-store coupon $10 off $10 or more
Added on : Friday August 29th 2014 06:00:11 AM
g: 0 Posted By: ctgolfer
Views: 400 Replies: 3 *$$10 off select original, regular, sale and clearancepriced apparel, shoes, accessories, fine jewelry & home purchase of $$10 or more. Extra 10% off select original, regular, sale and clearancepriced watches, furniture, mattresses and custom blinds and shades purchases. Offers good in store only, excluding taxes and shipping charges, 8/29/149/1/14. One coupon per customer per transaction, one use per coupon; must be provided/surrendered at time of purchase.


https://static.cdn.responsys.net/i5/responsysimages/content/jcpenney/CouponPage1.html
Clothing Deals

JCPenney Coupons
45% or More Off Men's and Women's Pearl Izumi Running Shoes @ Amazon
Added on : Thursday August 28th 2014 09:00:05 PM
g: 0 Posted By: Xenocrates
Views: 183 Replies: 0 45% or More Off Men's and Women's Pearl Izumi Running ShoesFS @ Amazon

Note: The pictures on the side are in the same order as the links.

Pearl Izumi Men's EM Road N2 Running Shoe- $66.51 FS
Pearl Izumi Women's EM Road N2 Running Shoe- $75.72FS
Pearl Izumi Men's EM Trail N1 Running Shoe- $66.96FS
Pearl Izumi Men's EM Road H3 Running Shoe- $81.00FS
Pearl Izumi Men's EM Road M3 Running Shoe- $89.61FS
Pearl Izumi Women's EM Road M3- $89.61FS
Pearl Izumi Women's EM Trail N1 Running Shoe- $67.80FS
Pearl Izumi Women's EM Road H3 Running Shoe- $62.99FS

Shoes Deals

Amazon Coupons
Discover more to it conversion
Added on : Thursday August 28th 2014 06:00:09 PM
g: 0 Posted By: deeder
Views: 45 Replies: 1 Just had my discover more converted to it as I called in. Spoke to a really cute sounding young female rep from Delaware who was nice and converted the card over for me and I retain my promotional rate with it.

Additional perks and 0% promo and 1% and no forex and benefits and customer service make this a winner. JD Power tied Amex and Discover for customer satisfaction. I had to call in otherwise my More wouldn't have been converted over. Obviously business decision to retain customers who know about it or for new customers actively shopping for new cards.

Looks like acceptance is also increasing but I maintain other cards as well and will take advantage of Discover where accepted.
Deal Deals
What Other Credit Card Benefits Do You Make Sure to Use?
Added on : Thursday August 28th 2014 12:00:05 PM
g: 0 Posted By: justignoredem
Views: 124 Replies: 0 Odd Question, but I was scrolling through my Citi card and seeing the different benefits they offer:

Price Rewind - Register a product purchased on the card and they will monitor the price for 60 days and give you a refund of any difference in price.
Rental Car Warranty - some others do this I hear
etc... others do extended warranty for products.

All I usually ever give a crap about is the standard reward... CashBack! (Or miles for some people). When I am at a rental car agency my first thought process is "Which one of my cards will give the most CashBack on Travel related services?" and if I can't find one I just give any random one. I'm not thinking "Which one will give me free rental car insurance?"

So I'm curious, which one's are the most crucial to you guys? Because I really want to start taking advantage of them more often, but I'm usually too lazy. I'm always thinking they aren't worth the time or money to call up and register or whatever.

Now what I CAN say is worthy as far as card benefits outside of standard CashBack is this: Whenever I am skeptical of ANY charge or any merchant. I always just tell myself: "Put it on the AMEX". Because I always know if there is a problem with the charge there hasn't been a single time that AMEX hasn't sided with me. I had a cab driver rip me off with a $10 added tip... guess he enjoyed having no-tip more
Discussion Deals
g: 0 Posted By: rbstern
Views: 180 Replies: 0 This deal is back:

http://www.rakuten.com/prod/lenovo-thinkcentre-m58p-intel-core-2-duo-3000-mhz-160gig-hdd-4096mb/228632857.html

I've had one of these for a month now, and it's excellent. Machine came with Win 7 64 bit installed (instead of 32 bit) and was clean as a whistle. Cheapie, no-name USB mouse and keyboard are included.

Great workstation for most casual uses except serious gaming.
Desktop Computer Deals

Rakuten.com Shopping Coupons
Suggestions for steps in securing online access to credit cards?
Added on : Thursday August 28th 2014 05:02:04 AM
g: 0 Posted By: violentkoala
Views: 10 Replies: 0 Twice this week, my credit card acct has had its address and email address updated. And during one of the incidents, an AU was added. I went over tocreditboards and will be followingWC's directions there to secure my credit report/ personal data. Not sure if this is relevant in the pursuit of credit monitoring, but theCC wasattached to my Sony PSN acct during thegreat hack of 2011.Should I report this to my local law enforcement?

Outside of following CB, what monthly triple scoremonitoring servicesare suggested? I recently received a 100k point amex offer, and I hear they offer triple score monitoring, any feedback on their service?
Credit Deals
LG 55" 1080p LED HDTV Microcenter In-store Only $579.99 YMMV
Added on : Thursday August 28th 2014 04:00:08 AM
g: 0 Posted By: ArbitraryChicken
Views: 1 Replies: 0 You must enter your email address to have the price emailed to you. Not available at all locations, but had 10+ in-stock at my store.
​LINK

LGs 55LB6000 delivers stunning picture quality. With LED backlighting you get amazingbrightness, clarity and color detail. With MCI 240, which is double the rate of our basemodels, makes action movies, video games and sports look crystal clear with virtuallyno motion blur. And, Full HD 1080p has almost double the pixel resolution of standardHD so you see almost every detail. All this in an Energy Star Certified model lets you enjoy an amazing picture while being kind to the environment and your wallet.Specifications
PRODUCT INFORMATION SKU 208181 Mfr Part# 55LB6000 UPC 719192593404 PANEL Display Type LED Backlight Type LED Screen Size 55" Native Resolution 1920x1080 MCI (Motion Clarity Index) MCI 240 Aspect Ratio 6 Modes VIDEO HD Signal Support 720p
1080i
1080p AUDIO Speakers 2.0ch CONNECTIVITY HDMI 2 Composite In 1 Shared with component Component In 1 Digital Audio Out 1 Antenna 1 USB interfaces 1 RS-232 Ports 1 STAND / WALL MOUNT VESA Mount Compatibility 400mm x 400mm POWER Certifications Energy Star PHYSICAL SPECIFICATIONS Width 48.94" Depth (With Stand) 10.04" Depth (Without Stand) 2.24 Height (With Stand) 30.39" Height (Without Stand) 28.54" Weight (With Stand) 40.6 lbs. Weight (Without Stand) 50.3 lbs. MANUFACTURER WARRANTY Parts 1 Year Limited Labor 1 Year Limited
Free Kindle Book- The Mystery of Garabandal
Added on : Thursday August 28th 2014 02:00:47 AM
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B00GHMAQQ8

4.6 out of 5 stars (11 customer reviews)

Fifty years ago, four young girls in a small Spanish village began falling into rigid trances, marching backward up hills, and levitating, seemingly, inches above the ground. Eyes fixed on a mysterious point in the air, they were mesmerized by something which was invisible to everyone else.
What the girls said they saw--and heard--sent shock waves that are still reverberating today. The messages the four girls claimed to receive revealed a picture of a Catholic church in crisis and a world that faced an earth-shattering future that would unfold in their lifetime.
The girls pronouncements about coming trouble in the church and world were met with fierce skepticism from the first. Some charged the girls with being possessed by demons (based on the girls strange physical poses and apparent levitation), and others claimed the girls were putting on an act (revealing their true colors when they chose ordinary married lives instead of the convent). There was also a third body of critics: those who believed that a group of girls on the CUSP of adolescence in a remote and insular society conjured up a psychodrama which, fueled by the spotlight and mounting frenzy, gained a frightening life of its own.
There was one other possibility--that the strange events in Garabandal, Spain actually did occur, and the girls received an apocalyptic warning for both the church and the modern world.
The warning to the world included a prediction that a newly militant Russia would rise again. The prophecies of Garabandal also foretell a World-Wide Warning and a Global Miracle, whose purpose is to convince a world reeling from one catastrophe to the next that God exists. But the Warning and Miracle, dramatic as they sound, are not even the most unsettling of the messages. One night, the young girls dissolved into screams. During this so-called Night of the Screams, the girls say they were shown a tragic chastisement that would befall the entire world if the Warning and Miracle failed to trigger global change.
As disquieting as those messages were, the most shocking message at Garabandal was for the hierarchy of the Roman Catholic Church. Why were the messages of Garabandal so effectively suppressed? Did it have to do with the fact that the messages presciently warned of coming scandal and turmoil in the Roman Catholic Church itself?
Did a portal open between worlds on a Spanish mountaintop in that summer of 1961? And if so, who opened the door--an angel of God or an angel of darkness? Did a young girl's flight of fancy one summer night spin wildly out of control? Or was it a visitation from God?
Now that the girls at the center of this drama are 60-year-old women, should their claims be discredited or re-examined? Are the apparitions bogus or fast-approaching their fulfillment? If the events are false, Garabandal is a fascinating and perhaps tragic human interest story with several explanations. If the events and warnings are true--then what do we do?
By the end of this book, readers can judge whether the visions of four young seers on a mountaintop in Spain were historical fact, a devilish fraud, or the creative confusion of four girls who would spend the rest of their lives trying to escape a human tragicomedy that they themselves had produced.
Totally Free Deals
g: -2 Posted By: 1hotmama
Views: 315 Replies: 2 If you have a dog or cat with mobility issues this is a product I swear by. It usually costs about $24 a bottle, including shipping, but a seller on Amazon has a limited quantity of short dated bottles for $9.00 including shipping. I had emailed the manufacturer and the strength and ingredients in the dog and cat formulas are the same. While I give this to two of my dogs, they weigh about 18 lbs. and they get 1/2 dropper daily. I just put it in some chicken broth. The savings is substantial>50%. You should also read the reviews on Amazon for the dog formula. I personally take hyaluronic acid 100mg 2x daily. I used to need steriod injections in my knees, and since taking hyaluronic acid (about 9 months now) I have not had any injections. In just 10 days my 14 year old Westie has shown dramatic improvement in mobility. I also give it to my 14 year old terrier mix just for insurance even though he doesn't show much signs of aging. I highly recommend this supplement. Human and pets.
http://www.amazon.com/Hyalogic-Hyaflex-C-1-Ounce-Joint-Supplemen...

Ships from and sold by Top Quality Factory.
Pets Deals

Amazon Coupons
g: 0 Posted By: luv2shop80
Views: 229 Replies: 1 Nordstrom has theKate Spade Branton Square Cross-body Bag(Assorted Colors)for$94.80with free shipping.

6.4"W x 4.75"H x 1"D
23" Crossbody Strap Drop
.5-lbs.
Comes in Black, Brown Sugar, and Shadow Stone

Purse Deals

Nordstrom Coupons
The Book of Unwritten Tales Complete Bundle $3.19 A/C @ Greenman Gaming
Added on : Wednesday August 27th 2014 10:00:31 AM
g: 0 Posted By: ctgolfer
Views: 208 Replies: 0 use promo code: Z4364W-7MR5WA-N5BCOO
This bundle contains:

The Book of Unwritten Tales - Deluxe Edition
The Book of Unwritten Tales: The Critter Chronicles - Deluxe

The Book of Unwritten Tales - Deluxe EditionIn a world torn by war, the aged gremlin archaeologist Mortimer MacGuffin harbors the dark secret of a powerful artifact. Whoever calls this artifact his own, will determine the fate of the world.While the Army of the Shadows sends out its best and most devious agents to discover the secret, the Alliance's four heroes find themselves involuntarily drawn into the crisis...Digital Deluxe Edition Extras:

Making Of Booklet
Making Of A Character Video
Soundtrack (all mp3)vertureThe Artefact of DestinyWilbur's ThemeIvo's Action ThemeThe EvilUndeadsOrcsMage TowerSeastoneSong of Death

The Book of Unwritten Tales: The Critter Chronicles - DeluxeThe stand-alone add-on to The Book of Unwritten Tales! Warning: This is not a sequel, it is a prequel, and it is a stand-alone addon In case it hasnt been mentioned.The Critter Chronicles tell the story of how adventurer Nate Bonnett and Critter, his hairy sidekick, first met, all set before their appearance in Wilburs and Ivos adventure in The Book of Unwritten Tales. Enjoy a thrilling and hilarious point-and-click adventure in the fantasy world of Aventasia. Travel from the Northlands to the Mages Tower of Seastone and experience a story that offers tremendous fun for seasoned players of The Book of Unwritten Tales and newcomers alike.Immerse yourself in the prequel to the most successful adventure of the year 2009!The Digital Deluxe Edition will include the game PLUS following Digital Extras:

Making of Book
Soundtrack (12 tracks)
Making of Video
Making of Voice Overs Video



www.greenmangaming.com/s/us/en/pc/games/indie/book-unwritten-tal...
Software Deals
Hyalogic Hyaflex-C 1-Ounce Joint Supplement for Cats $9 FS @Amazon
Added on : Wednesday August 27th 2014 09:00:22 AM
g: -2 Posted By: 1hotmama
Views: 214 Replies: 1 If you have a dog or cat with mobility issues this is a product I swear by. It usually costs about $24 a bottle, including shipping, but a seller on Amazon has a limited quantity of short dated bottles for $9.00 including shipping. I had emailed the manufacturer and the strength and ingredients in the dog and cat formulas are the same. While I give this to two of my dogs, they weigh about 18 lbs. and they get 1/2 dropper daily. I just put it in some chicken broth. The savings is substantial>50%. You should also read the reviews on Amazon for the dog formula. I personally take hyaluronic acid 100mg 2x daily. I used to need steriod injections in my knees, and since taking hyaluronic acid (about 9 months now) I have not had any injections. In just 10 days my 14 year old Westie has shown dramatic improvement in mobility. I also give it to my 14 year old terrier mix just for insurance even though he doesn't show much signs of aging. I highly recommend this supplement. Human and pets.
http://www.amazon.com/Hyalogic-Hyaflex-C-1-Ounce-Joint-Supplemen...

Ships from and sold by Top Quality Factory.
Pets Deals

Amazon Coupons
g: 0 Posted By: tedhawkins
Views: 168 Replies: 1 Pet Playpen 45" Exercise Puppy Dog Pen Kennel Folding Design Easy Storage $34.95 Fs bestchoiceproducts via eBay

http://www.ebay.com/itm/Pet-Playpen-45-Exercise-Puppy-Dog-Pen-Ke...

FEATURES:

8 panel 45" Diameter
Instantly sets up
Portable and lightweight
Waterproof 600D oxford Cloth Material
2 Zippered Doors
Removable mesh cover for shade and security, air flow and visibility
Removable pad for comfort
Also includes band for water fountain, 2 side storage bags, metal hooks for holding playpen to the ground, and a portable carrying case

DIMENSIONS:

Playpen size: 45" diameter X 24" H
Panel size: 19-1/4" W X 24" H
Door size: 13" W X 14-1/2" H
Mesh cover diameter: 40"
Pad diameter: 43-1/2"
Carrying case size: 26-1/2" L X 20" W


Pets Deals

eBay Coupons
g: 0 Posted By: MrVietnam
Views: 1587 Replies: 26 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
Get $1 +UP Reward wyb 2 (Limit 4)
$1/1 Werther's Original printable
$1/1 Werther's Original Sugar Free Candy printable
$0.75/1 Werther's Original Baking Caramels printable
$1/1 Riesen Product, exp. 11/1/14 (SS 07/27/14 R)
As low as (2) FREE after coupons and +UP Reward!

Covergirl eye, lip, nail BOG50%
$2 UP wyb 2 L2
single eye shadow is 3.39
2 = 5.08
-$3/2 mq P&G
=2.08 oop get $2 UP
plus tracking for EE

Paper Mate pens 49c
use 50c mq SS 8/17
=free

Nestle Girl Scout Candy Bars, 2/$1
$0.50/2 Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, exp. 9/15/14 (SS 07/13/14)
$1/4 Nestle Girl Scout Candy Bar (Rite AidVideo Values, August 2014)
(4) FREE after stacked coupons!

Buy (2) Nexxus Therappe Shampoo, $5.99 ($8.99) BOGO50%
Get (2) $3 +UP Reward (Limit 5!)
Use (2) $3/1 Nexxus Hair Care Item printable
Use (2) $3/1 Nexxus Hair Care Product (Rite Aid Video Values, August 2014)
$9.01 MM (wyb 2)

Hershey's snack size candy bogo, reg $1.49
use 2 $1/2 ss 8/3, $1/4 vv, final price: free
In Store Promos Deals
g: 0 Posted By: calwatch
Views: 84 Replies: 0 Two years ago, when I was 27, I took all my savings and bought a $425,000 house in Toronto with the goal of being mortgage-free in four years. With two years to go, the goal is in sight.Im going to own my own three-bedroom bungalow in Scarborough by my 31st birthday.But the cost has been high financially and personally. I lived in the basement and rent out the rest. To save further, I dont own a cellphone or have cable TV or a car. On top of a full-time job, I work part-time evenings and weekends. And Ive been committed to this frugal lifestyle for some time; while at Ryerson University studying business management, I lived with my parents. While my friends were out driving cars, buying fast food, drinking and partying, I worked three part-time jobs, purchased used textbooks, brown-bagged my lunch, and cycled to school.

http://www.theglobeandmail.com/globe-investor/personal-finance/m...

Well, that and trolling your story to every media outlet in Canada, and much of the States as well.
Discussion Deals
Napoleon Perdis Foundation Stick - $26.95 shipped @ Ulta
Added on : Tuesday August 26th 2014 05:00:27 PM
g: 0 Posted By: hellokitty27
Views: 239 Replies: 0 Ulta has the Napoleon Perdis Foundation Stickfor $21.00 w/ $5.95 shipping or free shipping on orders $50+. Available in 6 shades. Normally $42.00.

Matte Finish
Water-Resistant Formula
Contains Aloe Extract
Buildable Coverage

Beauty Deals

ULTA Coupons
bareMinerals Multi-Tasking Stars Set - $35.95 shipped @ Sephora
Added on : Tuesday August 26th 2014 05:00:17 PM
g: 0 Posted By: hellokitty27
Views: 183 Replies: 0 Sephora has the bareMinerals Multi-Tasking Stars Setfor $30.00 w/ $5.95 shipping or free shipping on orders $50+.

0.07-oz. Natural Light Mineral Veil Finishing Powder
Lash Domination 10-In-1 Volumizing Mascara in Intense Black
0.12 oz Spring2Triple Take Color, Gloss & Stain in Coral Pink (exclusive)
5-in-1 BB Advanced Performance Cream Eyeshadow in Candlelit Peach (exclusive preview)
bareMinerals Ready Bronzer & Cheek Tint Duo (exclusive)
9-in. x 6.5-in. bareMinerals Signature Tech Case

Beauty Deals
Clinique Free 8-Piece Gift With any $32+ @ Bloomingdales
Added on : Tuesday August 26th 2014 11:00:31 AM
g: 0 Posted By: fivetalents
Views: 258 Replies: 0 Link

It's Clinique bonus time at Bloomie's

Get a deluxe 8 piece gift on purchases of $32 or higher ($85 value). Shipping is $8 but "loyalists" get free shipping (plus triple points on any Clinique purchase until Aug 27th) or you can buy in store to avoid shipping fees. One offer per person. While supplies last.

~~
Try Clinique's #1 best-selling moisturizer, plus an exclusive color compact for eyes and cheeks in your choice of shade.

Includes:
1. Cosmetics Bag
2. Repairwear Laser Focus Wrinkle Correcting Eye Cream, deluxe sample
3. Even Better Dark Spot Correcting Hand Cream Broad Spectrum SPF 15, deluxe sample
4. Dramatically Different Moisturizing Lotion+, deluxe sample
5. Take The Day Off Makeup Remover For Lids, Lashes & Lips, deluxe sample
6. Long Last Lipstick in Silvery Moon or Beauty
7. Color Compact in Smoky Violets or Bright Violets (Eyeshadow Duo, Blush and High Impact Mascara)
8. Eyelash Curler

Web ID: 1103086
Beauty Deals

Clinique Coupons
g: 0 Posted By: ctgolfer
Views: 174 Replies: 0 Xbox Live Gold Required
The Elder Scrolls V: Skyrim $11.99
Fallout 3 $5.99
Fallout: New Vegas $5.99
Crysis 3 $5.99
Guacamelee! Super Turbo Championship Edition $7.49
Xbox Live Gold and Silver
Dishonored Downloadable Content (DLC)
Dunwall City Trials $2.49
The Brigmore Witches $4.99
The Knife of Dunwall $4.99
Void Walker's Arsenal $1.99
Forza Horizon $9.89
Ridge Racer: Unbounded $4.99
Spec Ops: The Line $4.49 (pictured)
Need for Speed Rivals $19.79
NFL Blitz $4.94
Shadow Complex $4.94
TMNT: Out of the Shadows $4.94
Twisted Pixel Bundle $9.89
State of Decay: Breakdown $3.49
State of Decay: Lifeline $3.49
Plants vs. Zombies $4.94
Plants vs. Zombies: Garden Warfare $20.09
LEGO Lord of the Rings $4.99
Guardians of Middle-earth $4.94
Left 4 Dead $4.99
Dead Island $4.99
Rayman Legends $13.19
Mafia II $3.99
Banjo-Kazooie: Nuts 'n' Bolts $4.94
Soul Calibur V $3.74
Far Cry 3 $9.99
Far Cry 3: Blood Dragon $4.94
The Walking Dead: Season Two Season Pass $10.04


http://marketplace.xbox.com/en-US/Product/Spec-Ops-The-Line/66ac...
Video Games Deals
Plastic surgery, the FWF way.
Added on : Tuesday August 26th 2014 07:01:08 AM
g: 2 Posted By: CowbellMaster
Views: 219 Replies: 9 My wife is a warrior - after multiple children she has some war wounds and although she's incredibly fit, thin and healthy there are some things that diet and exercise can't fix so she has decided to pursue a fix. We're planning on a traditional 'mommy makeover' which will include a tummy tuck, hernia repair, and BA. I'm curious what other FWFers have done or would advise.

She has a relatively severe diastasis (separation of abdominal muscles) as well as a small hernia. From what I've read, insurance won't cover the diastasis repair (which is BS but I won't try to change the world today) but WILL cover the hernia repair. That said, I'm wondering if I can have a portion of the procedure(s) covered as the surgeon will be repairing the hernia in the same procedure as the tummy tuck. From some cursory research it looks like our insurance co will accept an invoice that includes "repaired hernia" and send us a check for the amount of the repair benefit, which will include the negotiated anesthesia benefit. While this may only be a small portion of the entire amount, I'm looking for any way to mitigate this potential large expense.

Other things to think about: cash offer. Knowing a surgeon's marginal tax rate is probably close to 50% I wonder if this is an option? As they are not an insurance-funded industry for the most part I don't know if there is more flexibility here.

I want to keep my expenses as low as possible but obviously I want the very best for my wife. This is less financial in nature but I wonder if anyone has ever researched plastic surgeons before and can offer advice? I'm in the Rochester area and am struggling to find "the best" in New York State or within around 8 driving hours of us. I've read countless "Realself" posts but the more you read the more you start seeing that many of those reviews seem to be very suspiciously biased. I was looking at a Toronto surgeon but I recently found out an acquaintance had a cauterizing tool dropped on her stomach during a standard BA procedure with him and lawyers in the area are shrugging it off, the surgeon is offering free scar cream, end of story. Are there any high-end PSs in the Western New York area or should I bite the bullet and go someplace closer to NYC?

Thanks for any insight.
Personal Finance Deals
g: 0 Posted By: heartharlez
Views: 42 Replies: 1 The City of Sacramento filed a utility lien against my property in the amount of $56.53 for delinquent utility charges owed when my account wasn't delinquent. My payment for the entire balance owed posted to the account two business days priortheir filing the lien. (In fact I had overpaid and had a credit balance showing.). I received two letters dated the same date as the recorded lien. One notifying me of the lien
placed and the other notifying me that the lien will be removed due to payment received. It then states that a notarized letter releasing the lien is available upon request
and that a recording fee will be required in order to process it. It states that unless a notarized letter from the City is submitted to the County Clerk, the lien remains active.
What is the best way to handle this situation as I not only want the lien released immediately, but I want it expunged from the property record? Their mistake could also be
damaging to my credit worthiness and lower my FICO scores etc. Should I send a letter? What do I say? I want them to cooperate by correcting this error at their
expense without me having to hire a Lawyer. Thank you for your time reading my post,and I appreciate any help offered.
Personal Finance Deals
g: 1 Posted By: SweetClover
Views: 865 Replies: 3 If you are an AARP member, and you buy at least $15 or more of Walgreens branded health and/or wellness products, your purchase might/should trigger a mail-in form printout at checkout good for 1 year of AARP membership, compliments of Walgreens. I purchased a bottle of 90 ct Loratadine with the $10 off sale last week, which triggered the form. Mine had a 9/30 mail-by date on it. YMMV.
Tutorials & How-Tos Deals

Walgreens Coupons
g: 0 Posted By: rbstern
Views: 165 Replies: 0 Printer is currently on sale. Originally $299, less $110 discount, sale price $189. Trade in your old printer for another $50 credit.Final price $139.

After deciding to retire my unreliable Lexmark color laser printer, which was bleeding me to death via expensive toner cartridges, I started researching replacements. Read several times that inkjets are now rivaling color lasers in the SOHO segment of the market. The Epson WF-4630 had some of the best ratings and reviews on Amazon, so I settled on that model. Went into the local Office Depot today toput my hands on one. Was surprised to find a display placard next to the WF-4630 indicating that I could get a $50 credit for trading in my old printer. Didn't see any reference to this deal online.

The old Lexmark weighs about 50 pounds, is bulky, and I hated the idea of throwing it in the trash. Thehelpful salespersonat Office Depot said it goes to a recycling center if traded in. Win-win. They rang me up, including the $50 trade-in discount and asked that I drop the printer off next time I was in the store.I brought it to them this evening.

I've had the WF-4630 up and running in my office all afternoon, and I have to say, it is impressive. Fast, quiet, and the print quality is excellent. Cost per page is reportedly low, which was critical to me. This deal is also good on models WF-4640 (same printer with an additional paper tray), and WF-7620 (13x19 paper capable, with dual paper trays). Both are a bit more money than the WF-4630, but also look like relative bargains. All of these models use the new Epson "PrecisionCore" technology, which is their latest generation chip/print head technology. My initial impression is that it works.

http://www.officedepot.com/a/products/657703/Epson-WorkForce-Pro-All-In-One/
All in one printers Deals

Office Depot Coupons
g: 0 Posted By: SweetClover
Views: 54 Replies: 0 If you are an AARP member, and you buy at least $15 or more of Walgreens branded health and/or wellness products, your purchase might/should trigger a mail-in form printout at checkout good for 1 year of AARP membership, compliments of Walgreens. I purchased a bottle of 90 ct Loratadine with the $10 off sale last week, which triggered the form. Mine had a 9/30 mail-by date on it. YMMV.
Health & Beauty Deals
Vitacost Brand Sale BOGO + F/S on $25
Added on : Monday August 25th 2014 07:00:09 AM
g: 0 Posted By: smileshadow
Views: 224 Replies: 1 Title states it all. Select items (258 at posting) only. Expires 8/28/14 at 10 a.m. EDT

Sale Page Link

Some well-priced stuff, IMO:
Organic Extra Virgin Olive Oil 16.9 fl oz- 2 for $9.79
Organic Peanut Butter 18 oz- 2 for $7.79

Also, NOT included in the BOGO sale but at a good price if you need an add-on
is the EV Org Coconut Oil 16 oz on sale for $5.99


Health & Beauty Deals

Vitacost Coupons
g: 1 Posted By: mayberj
Views: 468 Replies: 2 I called Staples and they had issues in giving me a 20% off coupon for the Netgear Nighthawk R7000.

I had them pricematch Newegg at $158 and told them how Newegg has the 10% off with Visa and they price matched it to $127.19

From there I decided I should get 2 making it $254.38

Followed by the rep being nice enough to take $10 off as I was on the phone for an hour.

This brings the price to $127.19 shipped free to my door. I do not think this price can get much better than that

$254.38
$10 off
= $244.38

Key points:
1. Price Match Newegg or another site
2. Show how there is a 10-20% off coupon
3. As long as Newegg has it through their resellers for $158 its yours. YMMV


Routers Deals

Staples Coupons
Blacklisted by car dealership?
Added on : Monday August 25th 2014 04:01:00 AM
g: 1 Posted By: DVDAPEX
Views: 98 Replies: 3 Short Story (read below this for the full details): I want to buy a car from Dealer A which is $1100 cheaper than Dealer B. Dealer B says that their offer is the lowest possible bid and Dealer A is out to scam me and will not send me the car for that amount. Dealer A needs to do a dealer trade to get the car and when they contact dealers with stock, they happen to contact Dealer B. Dealer B asks if the car is for "DVD Apex" and when Dealer A says "yes", Dealer B refuses to do the dealer trade.


Long Story:
I'm going through the process of buying a new car (using the "FW Style" thread) for the first time in my 20+ years of car ownership.

I used truecar to get a starting point and then I sent to all of the dealerships with the lowest cost (as well as a couple that don't seem to be involved with truecar but are still within a 50 mile radius) the "lowest out-the-door price" email that was noted in the "Buying a new car FW Style" thread.
The best offer was $1100 cheaper than Dealer B (which is local to me). (I've since had a late reply from a different dealership that's $1150 cheaper.)
There were other offers $400 - $600 cheaper than Dealer B.
Dealer A indicated that they would have to do a dealer trade to get the car.
Dealer B had the car I wanted in-stock.

I sent a follow-up to Dealer B saying they were $1100 off from the lowest bid (at that point, I didn't tell about the others who were $400 - $600 less).
Dealer B lowered their offer by $200, but said that there's no way Dealer A was going to give me the car for that price.

I figured since I was close by, I'd stop in and do a test drive (I'd previously driven the car as a rental.).
While I was at the dealership, I told the salesperson who I was and he recalled our emails. When I was done with the test drive I was told that there's no way the lowest dealership was going to be able to sell me the car for that amount. At that point, I told him that I'd had offers $400 - $600 lower than Local Dealership, so I don't think that's as "low as anyone can go."
He offered to have me talk to his manager. I told him I'll say "hi", but that we're so far apart of price that it's probably not going to result in a sale.

The minute I walked into the manager's office and he hears my name, he starts in on me telling me that Dealer A is pulling a scam as he knows what the cost is and even at the offer he gave me he's making 0 profit and that he's not going to lose money on a deal and not be able to feed his family and I look like the type of guy who wouldn't want to lose money on a deal...
When he took a breath, I mentioned that I'd had other offers for $400 - $600 less than what Dealer B was offering, but maybe they had lower overhead or some other way that they could beat Dealer B's offer.
I thanked the salesman and the manager, shook their hands and walked out the door.
As I walked out, the manager said that when Dealer A reneged on the deal, I could come back.
I said "have a nice day."

I told Dealer A that I was going to work with them and that they could source the car.
Dealer A contacted 3 dealerships showing stock and when they'd called to update me they hadn't heard from two dealers, they did mention that one of the dealerships they contacted was Dealer B and Dealer B specifically asked if the car was for DVD Apex. When Dealer A said it was, Dealer B refused to do the dealer trade.

Clearly Dealer B is trying to scupper the deal. Anyone experience this before?
Discussion Deals
g: 0 Posted By: mayberj
Views: 147 Replies: 1 I called Staples and they had issues in giving me a 20% off coupon for the Netgear Nighthawk R7000.

I had them pricematch Newegg at $158 and told them how Newegg has the 10% off with Visa and they price matched it to $127.19

From there I decided I should get 2 making it $254.38

Followed by the rep being nice enough to take $10 off as I was on the phone for an hour.

This brings the price to $127.19 shipped free to my door. I do not think this price can get much better than that

$254.38
$10 off
= $244.38

Key points:
1. Price Match Newegg or another site
2. Show how there is a 10-20% off coupon
3. As long as Newegg has it through their resellers for $158 its yours. YMMV


Routers Deals

Staples Coupons
Epson - EX6220 WXGA 3LCD Projector $489.99 Fs @ Bestbuy
Added on : Sunday August 24th 2014 11:00:27 PM
g: 0 Posted By: tedhawkins
Views: 143 Replies: 0 Epson - EX6220 WXGA 3LCD Projector $489.99 Fs @ Bestbuy

http://www.bestbuy.com/site/epson-ex6220-wxga-3lcd-projector/995...


Portable design

Weighs 5.3 lbs. and includes a soft carrying case for easy transport.
3LCD, 3-chip technology*

Delivers 3x brighter colors and reliable performance for brilliant images with true-to-life color.
3000 lumens of color brightness and 3000 lumens of white brightness

Create a highly visible display with clear on-screen images.
Up to 10,000:1 contrast ratio

Provides a high number of shades between black and white for excellent color saturation.
1280 x 800 WXGA native resolution in 16:10 widescreen format

Delivers crisp images with intricate detail.
2.9' - 29.5' projector distance and 1.3 - 1.56 throw ratio range

Reproduce wide images in their correct proportions.
USB Plug 'n Play setup

Instantly projects audio and video from a PC or Mac via a USB connection.
Horizontal and vertical image correction

Projects rectangular images from any angle; just move the easy-slide control bar to make the necessary horizontal image adjustments; vertical adjustments are automatic.
Instant off/on, sleep mode (A/V mute) and direct power off/on

Allow quick, convenient control.
Manual zoom and focus

Enable precise adjustments.
200W UHE E-TORL lamp

Helps minimize light diffraction and leakage and provides up to 6,000 hours of lamp life in ECO mode and up to 5,000 hours of lamp life in normal mode.
HDMI, 15-pin D-sub, mini DIN S-video, RCA composite and RCA audio interfaces

Enable flexible connectivity. USB port offers easy connection of a compatible flash drive (not included).
Quiet operation

With 29dB in ECO mode and 37dB in normal mode limits distracting operational noise.
Remote

Lets you move freely while giving a presentation.
2W speaker

Offers clear audio.

Color brightness (color light output) and white brightness (white light output) will vary depending on usage conditions. Color light output measured in accordance with IDMS 15.4; white light output measured in accordance with ISO 21118.

*Compared to leading 1-chip DLP business and education projectors based on NPD data, July 2011 through June 2012. Color brightness (color light output) measured in accordance with IDMS 15.4. Color brightness will vary depending on usage conditions.


Epson Deals

Best Buy Coupons
Chase Freedom Limit Increase
Added on : Sunday August 24th 2014 06:00:30 AM
g: 0 Posted By: ultratwdavis
Views: 12 Replies: 1 So I've had my Freedom card for 2.5 years and have a limit of $500, I got it when I was 18, and have kept a max balance for almost all of the time of me having it, which boiled down to my low income and bad spending habits, but my I just got a new job and my income is around $2200/month.
I've had 2 late payments.


I am going to pay down my balance to around $200 tomorrow and ask for a CLI on Thursday. What do you think my chances are and what amount do you think?

I am planning to use this card for business from
now on and the balance will be paid in full immediately and frequently, so a nice sized increase would be great, probably to around $3k-$4k.


Anyone able to gimme some input?


Thanks!
Question Deals
g: 0 Posted By: MrVietnam
Views: 1158 Replies: 10 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
Get $1 +UP Reward wyb 2 (Limit 4)
$1/1 Werther's Original printable
$1/1 Werther's Original Sugar Free Candy printable
$0.75/1 Werther's Original Baking Caramels printable
$1/1 Riesen Product, exp. 11/1/14 (SS 07/27/14 R)
As low as (2) FREE after coupons and +UP Reward!

Covergirl eye, lip, nail BOG50%
$2 UP wyb 2 L2
single eye shadow is 3.39
2 = 5.08
-$3/2 mq P&G
=2.08 oop get $2 UP
plus tracking for EE

Paper Mate pens 49c
use 50c mq SS 8/17
=free

Nestle Girl Scout Candy Bars, 2/$1
$0.50/2 Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, exp. 9/15/14 (SS 07/13/14)
$1/4 Nestle Girl Scout Candy Bar (Rite AidVideo Values, August 2014)
(4) FREE after stacked coupons!

Buy (2) Nexxus Therappe Shampoo, $5.99 ($8.99) BOGO50%
Get (2) $3 +UP Reward (Limit 5!)
Use (2) $3/1 Nexxus Hair Care Item printable
Use (2) $3/1 Nexxus Hair Care Product (Rite Aid Video Values, August 2014)
$9.01 MM (wyb 2)

Hershey's snack size candy bogo, reg $1.49
use 2 $1/2 ss 8/3, $1/4 vv, final price: free
In Store Promos Deals
SEPHORA COLLECTION Chroma Color Eye Palette $65 free shpping
Added on : Sunday August 24th 2014 01:00:14 AM
g: 0 Posted By: DaysFan
Views: 72 Replies: 0 http://www.sephora.com/
http://www.sephora.com/chroma-color-eye-palette-P388288?


Makeup

Eye Makeup
Eyeshadow Palettes & Eye Sets



SEPHORA COLLECTION
Chroma Color Eye PaletteItem #1603299$65.00$ ($300 value) free shipping

What it is:
A luxe makeup palette that is all about eyes.

What it does:
With 54 eye shadows, 12 eye pencils, and a double-ended eye shadow brush, this astounding palette allows you to create an endless number of eye looks. Experiment and play with a wide variety of colors, from must-have nudes to intense smoky shades and more vibrant tones in a variety of finishes. Let your imagination be your guide. The skys the limit!

This Set Contains:
- 12 x 0.039 oz Full-size Eye pencils
- 54 x 0.031 oz Eye shadows
- A Double-ended Eye shadow brush
Makeup Deals

Sephora Coupons
To file or not to file? Homeowner's insurance claim..
Added on : Saturday August 23rd 2014 11:00:33 PM
g: 0 Posted By: featherz
Views: 36 Replies: 0 Just had our well pump go out - so no water (fun fun). We called out a bunch of guys to look at it and clueless (sorry honey!) hubby picked a really pricey guy when I was off at work. The price to fix the pump NOW was most likely jacked up as he told my DH that it was a lightning strike and that it would be covered by homeowner's insurance. DH thought 'woohoo, free!'. Pump was replaced, cost about 1K too much, but that's water under the bridge. Background - this is possibly a 40 year old well pump, almost 300 foot deep, galvanized pipe that was also replaced during the fix.

When examining the pump, it looks like the contractor may have been correct - there are small burned holes on either side of the pump. We have had lots of lightning lately and even a storm the day of the pump going out. I don't see any obvious strike, but not sure that matters.

Hubby wants to file a HO claim to pay the bill - after deductible, this would be a $2600 claim. We pay about $900/year in insurance and have a $243 'claims free' discount.

What think the FW community? We've already paid for it - and I'm not sure the insurance will allow this charge since it's already been repaired and they had no chance to come out first (we had no water so it was a rush job). They may disallow all or part of the claim for the age of the pump and/or replacing the galvanized pipe (not technically necessary to restore water).

I say it's not worth the claim and we just have to suck it up.. but if I am wrong, we could get part of this pricey fix back so I figured it was worth a check.
Real Estate Deals
Please evaluate my Business Idea
Added on : Saturday August 23rd 2014 11:00:33 PM
g: 0 Posted By: jdvb
Views: 37 Replies: 1 Hello all, I plan to buy a digital billboard and rent out ad space on said billboard.
I will be choosing a build location that is highly trafficked by both vehicles and pedestrians.
This location will be surrounded by businesses, and their owners, on all sides.
I expect my Target market (the people I sell ad space too, not foot traffic) will be a mix of business owners within viewing distance of the digital billboard. Also some larger businesses that are within a 30 minute drive of my digital billboard will be included in my list of targeted customers.

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

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

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

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

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

Now then am I missing something? Are there any glaring holes in this plan? - Minus my omission of land costs. | Does anyone here own a digital billboard or plain billboard?
Discussion Deals
Lenovo Y50-Y70 Touch UHD 4k and 4 year OFFICE365 $1283 with EDU account
Added on : Saturday August 23rd 2014 02:00:08 PM
g: 0 Posted By: NJStealth
Views: 216 Replies: 0 I went to the Microsoft Store today and purchased the Lenovo Y50-Y70 UHD 4k touch for 1283=tax..I live in DE so there is no Tax.This normally sells for 1499.99+tax .. I told them I had an EDU account which I do but they didn't even ask me for any proof of this.. They deducted 150 dollars for having an EDU account then they told me if I get office 365 I would get an additionl 70 dollars off... I couldn't refuse.. This office is good for 4 years... Of course this is YMMV but this is a great laptop you cant even order this from Lenovo with a touch screen they only have UHD 4k with no touch.

Laptop Is an I7 16GB RAM 256 SSD and Video card GTX Geforce 860m 2GB
Laptops Deals

Microsoft Store Coupons
car dealership credit report/requiring SS# in IRS Form 8300
Added on : Saturday August 23rd 2014 01:00:25 PM
g: 0 Posted By: juggle
Views: 116 Replies: 2 I am clear with car dealer that I'm paying cash. Their efforts to get me to fill out their credit app are rejected. They press that it's needed for their DMV info sharing. I give in & fill out my name, address,& DL#. Later when I'm pressed to sign that long form, I sign, but right above that- in a blank part- I write that the form isn't to be used for any credit chks. Later, I see my sales guy showing & flailing the form at his boss in frustration about dealing with me. Ha ha! Somewhere in there were comments about their need to know who they're dealing with. Again- I'm not applying for financing, but you have my ID anyway. Well, he says they can be fake. Yeah the cops are up & down the street all the time for fraud problems. They insist I'll have to fill out IRS Form 8300, Report of Cash Payments over $10k.I'll be back the next day & say I'll take the form now. He gives itto me.Today I had to call to reschedule the appt. for Mona.m. & the asst mgr makes a comment that I'llhave to provide my SS# with that form. --I don't know that it's necessary for them to have my SS#. Does anyone know if I truly do need to fillit out? Don't remember filling it out for my last car.Thoughts?
Discussion Deals
g: 0 Posted By: MrVietnam
Views: 1027 Replies: 7 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
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g: 0 Posted By: MrVietnam
Views: 994 Replies: 7 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
Get $1 +UP Reward wyb 2 (Limit 4)
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As low as (2) FREE after coupons and +UP Reward!

Covergirl eye, lip, nail BOG50%
$2 UP wyb 2 L2
single eye shadow is 3.39
2 = 5.08
-$3/2 mq P&G
=2.08 oop get $2 UP
plus tracking for EE

PaperMate pens 49c
use 50c mq SS 8/17
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Nestle Girl Scout Candy Bars, 2/$1
$0.50/2 Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, exp. 9/15/14 (SS 07/13/14)
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Buy (2) Nexxus Therappe Shampoo, $5.99 ($8.99) BOGO50%
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In Store Promos Deals
LG 70LB7100 TV $1499 Microcenter In Store Only - BB Price Match (YMMV)
Added on : Saturday August 23rd 2014 08:01:45 AM
g: 0 Posted By: jross424
Views: 208 Replies: 0 Just purchased the LG 70LB7100 70 LED HDTV - I have been looking at this for a while, best previous legit price was $2099 from beach camera. Microcenter has it in store only in Northern Virginia store (no shipping) for a scalding $1499! I live in PA, not VA, but travel to the region frequently and was able to get Best Buy to match price and provide free delivery - had to bring the in-store flyer to a nearby Best Buy and get the price match. Just a phenomenal deal; even better when you use a BB credit card and get 10% back ($150) in BB reward points.

The LG LB7100 series is a very well regarded HDTV with direct LED lighting, WebOS, and many more features. At this price it is an absolute steal.

Note that BB policy may prevent price match with delivery to a remote location (hence the YMMV), but I had no problems.
TV Deals
g: 0 Posted By: kmsandrbs
Views: 131 Replies: 0 Microsoft Office 365 University

Through Microsoft Store (go on, buy through the FW link!)

Higher education students, faculty, or staff get a 4-year subscription including Word, Excel, PowerPoint, Outlook, Access, One Note, and Publisher, OneDrive cloud storage, and Skype PC-to-phone world calling for 2 devices, including PCs, Macs, iPads, or Windows tablets.

Application availability and features vary by platform and device. Publisher and Access available on PC only. OneNote for Mac is available as a separate download from the Mac App Store. Current Office application versions for Office 365 are Office 2013 for Windows and Office 2011 for Mac. Customers with an active subscription will be entitled to the newest versions when available. Windows 7, 8, or 8.1, Mac OS 10.6 or later, and Internet connection required.

$25 giftcard for the Microsoft Store
Offer Valid August 18, 2014 until September 21, 2014, or while supplies last. Available in select Microsoft retail and online stores in US (including Puerto Rico) and Canada. Valid with purchase of select first party Microsoft software. Some exclusions apply, including Office 365 Home and Personal monthly subscriptions, Office Language Packs. Microsoft store promotional gift card/code redeemable for future purchase, single use only. Customers will receive a promotional gift card/code either upon pick-up of the item in store, or at the email address associated with purchase within 10 days of purchase/shipping. Gift code funds can only be used for purchases at Microsoft stores. Microsoft store gift card terms apply. Not valid on prior orders or purchases; cannot be transferred or otherwise redeemed for cash or gift cards. Not combinable with other offers. Price discount does not include taxes, shipping or other fees. Void where prohibited or restricted by law. Microsoft reserves the right to modify or discontinue offers at any time. Limit 1 per customer.

The code for my giftcard was in the email receipt I received. (Home and Personal are Excluded, but University is NOT excluded.)

1 TB OneDrive storage
This is in addition to what you already have. I actually think that this is what makes the deal. 1 TB of online storage for four years can get pricey (though prices are coming down). Actually, I was surprised to find that Microsoft is offering 1 TB for $2.50/Month ($30/year) right now. So you can look at it as a $10/year discount for pre-paying for 4 years, plus you get Office 365 and a $25 GC. My extra 1 TB showed up immediately. It is extra (on top of what you already have). Note that there is verbiage on the page about sharing your subscription and others getting the 1 TB - but that is for the Home version ($99 for one year, five licenses, no GC).


I get that some people are happy enough with Google Docs or OfficeOnline for free. Fine. But some want (or need) the full versions of Microsoft Office products.


Program eligibility requirements
This Program is available only to individuals who meet the criteria described below (the "Eligible Students"):

Individual must be either a full- and part-time enrolled student, or a faculty / staff member of a qualified, accredited higher education institution. Alumni of these institutions arent eligible. Qualified, accredited higher education institutions include Universities, Polytechnic schools, and Institutes of Technology, as well as other post-secondary level institutions, such as colleges and vocational schools that award academic degrees or professional certifications. Restrictions may vary by country.
Individual must successfully verify their eligibility status through the Offer Sites online academic verification process; and
Individual must have a Microsoft account or create one at the time of purchase.

I was sent a verification email which I had to copy and open a link during the transaction process. No, I have no idea if fake edu addresses or alumni addresses will work, but they are clearly against the terms of the agreement. Do note that while it talks about students, faculty and staff are eligible as well.

Subscription may be renewed only once.
Software Deals

Microsoft Store Coupons
g: 0 Posted By: MrVietnam
Views: 963 Replies: 6 Werther's Original (2.75 to 5.5 oz.) or Riesen (5.5 oz.), 2/$3
Get $1 +UP Reward wyb 2 (Limit 4)
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As low as (2) FREE after coupons and +UP Reward!

Covergirl eye, lip, nail BOG50%
$2 UP wyb 2 L2
single eye shadow is 3.39
2 = 5.08
-$3/2 mq P&G
=2.08 oop get $2 UP
plus tracking for EE

PaperMate pens 49c
use 50c mq SS 8/17
=free

Nestle Girl Scout Candy Bars, 2/$1
$0.50/2 Nestle Single Girl Scout Crunch or Regular Crunch Candy Bars, exp. 9/15/14 (SS 07/13/14)
$1/4 Nestle Girl Scout Candy Bar (Rite AidVideo Values, August 2014)
(4) FREE after stacked coupons!

Buy (2) Nexxus Therappe Shampoo, $5.99 ($8.99)
Get (2) $3 +UP Reward (Limit 5)
Use (2) $3/1 Nexxus Hair Care Item printable
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In Store Promos Deals
Home window/door replacement
Added on : Saturday August 23rd 2014 01:00:35 AM
g: 0 Posted By: hdpq
Views: 1 Replies: 0 I searched FWF and don't (can't!) believe this topic hasn't been discussed yet. If it has, please point me to the discussion and close this thread.

We purchased a home built in 1965 and some of the windows are original to the home. To put it bluntly, the windows are not completely drafty or in need of immediate replacement, but I'm sure they're costing me money since heat is escaping from them with our cold winters. We're looking to replace about 6-7 windows and have begun talking to various companies. We've already had one person come out to quote and measure and he informed us that since the home was built in 1965, the home most likely does have lead based paint (assumption based on visual inspection of peeling based on 25 years of experience in the business) and we'll have to remove the windows using a protective sheath to reduce the amount of dust in the home.

We're also looking to replace our front door as well as the framing around it allows in a massive amount of cold air (likewise, I'm sure cold air escapes it in the summer when we are running the air).

We have Andersen, Pella, Home Depot, and a local company coming out to quote us in the next couple of weeks. Is there any suggestions/comments/thoughts to share about your experience?

AOC - 23.6" LED HD Monitor - Black $99.99 w/FS @ Best Buy
Added on : Friday August 22nd 2014 07:00:30 PM
g: 1 Posted By: ctgolfer
Views: 130 Replies: 0 Ultrafast 5 ms response time
Enables pixels to change colors rapidly to help prevent streaking, blurring and ghosting during intense action sequences in movies, video games and more.
23.6" widescreen flat-panel LED display
Provides an expansive viewing area and features a slim 2.1" depth that is ideal for wall mounting (with optional mounting kit, not included). VESA 100mm x 100mm compliant.
20,000,000:1 dynamic contrast ratio
Delivers a multitude of shades between black and white to promote lifelike color reproduction.
250 cd/m brightness
For a highly visible display and clear on-screen visuals.
1920 x 1080 maximum resolution in 16:9 format
Provides crisp images with rich, vivid detail.
170 horizontal and 160 vertical viewing angles
Let you clearly see the screen from multiple vantage points.
HDMI with HDCP and VGA inputs
Allow simple connection to a wide range of devices.
On-screen image controls
Enable easy adjustments.
Antiglare coating
For clear viewing in bright lighting.
Tilting design
Helps you easily find a comfortable viewing angle. Slim bezel offers a sleek appearance.
PC and Mac compatible
For use at home or in the office.
ENERGY STAR certified
Designed to use less energy and meets strict energy efficiency guidelines set by the Environmental Protection Agency and U.S. Department of Energy.

www.bestbuy.com/site/aoc-23-6-led-hd-monitor-black/5704037.p?id=...
Monitors Deals

Best Buy Coupons
g: 0 Posted By: vsaggu
Views: 5 Replies: 0 Just want to share my bad experience with AMEX SPG card bonus offer experience. I applied for 10,000 SPG bonus points offer AMEX card and immediately approved. I never received my bonus points then I called the customer service to find out why then got the reply saying I was having similar card in 2007 so I am not eligible for bonus offer. May'2014 onwards AME introduced this new rule like if youever had the same card product you will not eligible for the bonus offer.

g: 0 Posted By: robronson
Views: 108 Replies: 1 FWF is about maximizing value from your financial decisions. This is my first year doing real self-employed work as my full time thing with a 6-figure income. I've done a bunch of tax planning and am revisiting for the rest of the year now that my total 2014 income is easier to predict. I made several tracking estimation spreadsheets along the way and identified "bend points" whereby it would be extremely valuable to get a little bit extra of a business deduction, as well as other income threshholds where the additional business deduction was much less valuable.

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

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

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

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

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
Discussion Deals
Big lots 60 inch cherry media fireplace 499.99 Special buy
Added on : Thursday August 21st 2014 04:00:03 PM
g: 0 Posted By: wimedtypr
Views: 189 Replies: 1 I am posting this because I think it's such a great deal. This deal had been going on for awhile. No expiration date so far. I bought this and it's such a nice piece of furniture. No cheap compressed wood. It's heavy duty, glossy, heat and no heat to the fireplace. I have my 52 inch flat screen on there. Also a shelf for cable box, modem etc and doors with more storage. Remote control fireplace. I get so many compliments and so surprised by where and price I paid. The ones at the 4 furniture stores I went to to were 1000 to 2500. This is a steal. Again high quality. Assembly required. In store. http://www.biglots.com/p/60in-cherry-media-fireplace
Furniture Deals
20% off $50, 25% off $100, 30% off $150 @ ThinkGeek
Added on : Thursday August 21st 2014 01:00:02 PM
g: 0 Posted By: Virgil27
Views: 180 Replies: 0 20% off $50, 25% off $100, 30% off $150 @ ThinkGeek

ThinkGeek has 20% off $50, 25% off $100 or 30% off $150 code for ELDRITCH.Some picks include:

Dresden Files Skin Game Autograph Edition - $27.95

Ms. Marvel Ladies Top - 19.99

Spider-Man Windshield Sunshade- $19.99

Toys & Hobby Deals

ThinkGeek Coupons
g: 0 Posted By: amhidogha
Views: 26 Replies: 0 Recd a letter from a collection agency for $140 for an ER visit in 11/2012. In my recollection, we had paid it off in 04/2013, so sent a certified letter disputing it and to validate. Recd a bill from them for same $150 charge on 11/2012 minus a $10 pmt (not made by us) on 03/21/14.

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

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

TL, DR;
Recd letter for collection agency for old ER visit, pmt for it then was misapplied by Hospital to a different charge and hence shown unpaid. How to proceed? Thanks.
Question Deals
g: 0 Posted By: billrubin
Views: 18 Replies: 0 I recently had my Capital One debit card hacked and there were around a dozen withdrawals made from a total of 3 ATM's over the period of 3 days, for around $2k, I believe all of them were in the UK. When I called Capital One and asked how they allowed these to go thru when I had not told them I was traveling (as I always do), they told me that because they were PIN based they allowed them. Shouldn't someone in their security department have noticed these and tried to contact me? I only noticed it because they got downloaded into Quicken, but sadly not until they had ended. Am I expecting too much???

It took about a week but I got a provisional credit and I trust they will make it final since I didn't use it. I have no idea how they got the PIN, maybe I was skimmed at one point a while ago. I rarely use this card, only when I'm traveling, which is not that often, and haven't been to Europe since last summer.

I did call another bank I have a checking account with to see if they could put a block on all overseas withdrawals and they were able to. I wouldn't have thought that I would need to, but I guess better safe than sorry.
Discussion Deals
g: 0 Posted By: Gauss44
Views: 125 Replies: 4 I'm about ready to go back to school to do some post bacc work before applying to graduate school. Last time I was enrolled as an undergraduate student I had a lousy experience where half way through the semester, I was told (by my financial aid adviser from my college's financial aid office) that a mistake was made (the financial aid adviser goofed and overlooked something) and I was NOT eligible for over $10k that was promised to me before the semester began.

Even though the mistake wasn't on my end, I did everything I could think of to catch problems like this. It happened even though I read every piece of mail and every message that was sent to me regarding financial assistance, and even though I did substantial research about the process in my own time. (My school also has a policy where you are ONLY allowed to meet with YOUR assigned financial aid adviser, so you cannot get second opinions there.) Hopefully this was a one-time rare incident, but I definitely cannot afford to have that happen again.

I just want to know what ways there are to protect oneself from this sort if issue?

Question Deals
IZOD Chad Men's Oxford Shoes - $23.60 w/ Free Shipping @ 6PM
Added on : Thursday August 21st 2014 08:00:05 AM
g: 0 Posted By: Savvymommy03
Views: 207 Replies: 0 6pm has theIZOD Chad Men's Oxford Shoeson sale for $23.60 w/ free shipping. Comes in a Wheat Color and available in sizes 7.5-11.5.

Maintain a tailored and polished look in the Chad oxfords.
Faux suede upper features classic punch hole detailing a a lace-up front.
Smooth man-made lining and lightly padded footbed.
Durable rubber outsole.
Imported

Shoes Deals

6PM Coupons
FATCA implementation in Cyprus - it's in effect here now it appears
Added on : Thursday August 21st 2014 03:00:09 AM
g: 0 Posted By: GotRocks
Views: 48 Replies: 1 I've had a bank account in Cyprus, where I now live, since 2008. I moved here permanently in 2011. Opening the account was simple and they even used my US address until I had one in Cyprus. I only had to provide my passport to open the account. I've complied with FBAR since I opened the account.

Today I went into my bank to arrange to get a new ATM card (current card expires soon) and was met with a barrage of forms. At first I thought that this was the typical bureaucratic nonsense of banking here in Cyprus (enhanced by the crisis last year). But no....I was wrong. They wanted my SS number and a copy of my SS card (which I do not carry with me here in Cyprus) and I had to sign some forms saying I was a tax resident of the US (kind of weird because even though I do not live in the US, if you are a US citizen, you are subject to US income tax). They weren't US or Cyprus gov forms, they were bank created forms.

I had been wondering when something like this was going to happen and now it has. So it appears that Cyprus is complying with FATCA. I am glad to know that they weren't going to close my account.

It doesn't seem that this bank is actively soliciting getting Americans' SS numbers as FATCA has been in effect since 14 July (I believe). I think that they are just updating the info when the American customer comes into the bank for something. I expect they'll get around to hunting the rest of us down in the next few months. Not that many Americans in Cyprus.
General Economics Deals
BBVA Compass $150 Checking bonus
Added on : Wednesday August 20th 2014 03:00:08 PM
g: 0 Posted By: INoobieYou
Views: 5 Replies: 0
First open up your BBVA Compass ClearChoice Checking account.
Then, within two calendar months, add a BBVA Compass savings or Money Market account, if you don't already have one.
Have one or more electronic deposits totaling $1,000 in a calendar month from an unrelated third party post to the checking account.
Then, we'll deposit $10 each of the first 12 months you have the account open and meet the stipulations. Plus, an additional $30 bonus after meeting the monthly bonus requirements for 12 consecutive months.
AL, AZ, CA, CO, FL, TX ,NM


Offer is valid only for consumers who have not had a BBVA Compass consumer checking account within the last 90 days. Offer valid for BBVA Compass ClearChoice consumer checking accounts opened from July 14, 2014 through September 30, 2014. ClearConnect Checking, NBA Checking, Bama Checking and Dynamo Checking accounts are not eligible for this offer. Checking and savings accounts subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. For each calendar month that you meet the bonus requirements set forth above, you will receive a $10 bonus (the "Monthly Bonus"). You can receive the Monthly Bonus for a maximum of twelve (12) consecutive months. The maximum cumulative amount of the Monthly Bonus is $120. Bonus requirements must be met in consecutive months in order to continue receiving the Monthly Bonus. The Monthly Bonus will be deposited into your most recently opened BBVA Compass consumer savings or money market account. Your savings or money market account must be open and in good standing at the time the bonus is paid. If you receive the Monthly Bonus for 12 consecutive months (totaling $120), you will also receive an additional bonus of $30 deposited into your most recently opened BBVA Compass consumer savings or money market account (the "Additional Bonus" and together with the Monthly Bonus, the "Bonus"). Bonus payments will be deposited on last business day of each month, based on whether bonus requirements were met in the immediately preceding month. The Additional Bonus will be deposited into your savings or money market account within 60 days of meeting the necessary bonus requirements. Your savings or money market account must be open and in good standing at the time the bonus is paid. BBVA Compass employees and household members are not eligible. Bonuses will be paid on only one checking account per household. BBVA Compass may report the value of the bonuses to the IRS as required by law. Other limitations may apply. BBVA Compass is a trade name of Compass Bank, Member FDIC.


BBVA Compass
Anyone else have issues with Bank of America?
Added on : Wednesday August 20th 2014 10:00:11 AM
g: 0 Posted By: timgodsil
Views: 113 Replies: 8 When I opened a checking account with Citi, I emptied my account at Bank of America. However when I typed the amount, I was off 3 cents, and was charged an overdraft fee.

Ok, my fault, I made a mistake, and take the blame.

So I called and they withdrew the fee, kept going on and on about how "valued of a customer I was", and such.

So I transferred money back out of Citi to BOA. A couple days later, my account became positive, then less than 2 hours later, became withdrawn over 25 dollars, an "extended overdraft fee" was charged.

Even though I made the account positive, they state since it was overdrawn so long, the positive balance "did not matter" as their fee is based on time, not balances.

My "valued relationship" ran short, as they said they won't refund the fee.

To make matters worse, I don't get paid for another week, and they said if I don't pay this within another 5 days, they will ding me again. I usually don't live paycheck to paycheck, but I had a lot of bills come up this month, more than usual.

Here is the screen cap I took.

http://i61.tinypic.com/2nl7hpv.png




Deposits Deals
g: 0 Posted By: ctgolfer
Views: 213 Replies: 0 Update your bath or powder room decor with the Hampton Bay Architecture 3-Light Vanity Light. This transitional style fixture is presented with etched white glass shades. The brushed nickel finish will complement many decor styles.
Durable steel construction for long lasting beauty
Uses three 100 watt medium base bulbs (sold separately)
Compatible with standard wall dimmer
Can be installed with lights pointed up or down
Includes assembly and install parts
ETL listed for damp locations

www.homedepot.com/p/Hampton-Bay-Architecture-3-Light-Brushed-Nic...
Home & Garden Deals

Home Depot Coupons
Adesso Swivel Black 71.5 in. Floor Lamp $17.99 @ Home Depot
Added on : Wednesday August 20th 2014 12:00:04 AM
g: 0 Posted By: ctgolfer
Views: 227 Replies: 0 The simple yet practical Swivel Floor Lamp provides movable light in the form of a touchier. The acrylic shade can be adjusted vertically and horizontally. It's the perfect affordable accent piece, great for any room in your home. 71.5 In. Height.
This practical and stylish floor lamp is also available in satin steel
Black finish
Uses (1) 100 watt bulb or CFL equivalent (bulbs not included)
Light can be adjusted horizontally and vertically
Assembled dimensions: 12 In. W x 71.5 In. H

www.homedepot.com/p/Adesso-Swivel-Black-71-5-in-Floor-Lamp-3677-...
Appliance Deals

Home Depot Coupons
Adesso Swivel Black 71.5 in. Floor Lamp $29.99 @ Home Depot
Added on : Tuesday August 19th 2014 11:00:01 PM
g: 0 Posted By: ctgolfer
Views: 58 Replies: 0 The simple yet practical Swivel Floor Lamp provides movable light in the form of a touchier. The acrylic shade can be adjusted vertically and horizontally. It's the perfect affordable accent piece, great for any room in your home. 71.5 In. Height.
This practical and stylish floor lamp is also available in satin steel
Black finish
Uses (1) 100 watt bulb or CFL equivalent (bulbs not included)
Light can be adjusted horizontally and vertically
Assembled dimensions: 12 In. W x 71.5 In. H

www.homedepot.com/p/Adesso-Swivel-Black-71-5-in-Floor-Lamp-3677-...
Appliance Deals

Home Depot Coupons
g: 0 Posted By: flyhighutah
Views: 127 Replies: 0 I have sold my iPhone 4 and got LG L70 but I still had the dock collecting dust until I found this. This is really cool adapter which converted my iPhone dock into universal. Thought to share might help other fellow FWers.
eBay
LINK
Electronics Deals

eBay Coupons
Brother HL-2270DW $74.99 on Amazon right now!
Added on : Tuesday August 19th 2014 01:00:03 PM
g: 2 Posted By: catbertsf
Views: 280 Replies: 3 A low cost, compact wireless laser printer. Never had trouble with it and the OEM replacement toners can be had at a very low prices.

Not the lowest price seen but pretty good if you are looking for a good mono-laser workhorse!
http://www.amazon.com/Brother-HL-2270DW-Compact-Wireless-Networking/dp/B00450DVDY

laser printers Deals

Amazon Coupons
Who pays for bee hive removal
Added on : Tuesday August 19th 2014 10:00:07 AM
g: 1 Posted By: cougarman
Views: 302 Replies: 9 My neighbor has a large tree in there yard with a bunch of branches over my property line. A few days ago we noticed an increased number of wasps on the property. Well turned out that tree had 2 wasps nests in it. I use my backyard frequently and have 2 dogs that also use it so it was a priority to have them taken care of. They came out today and sprayed the nests and charged me $267 and they will come back next week and remove one since the other is way to high. The neighboring house is a two family rental unit. So I am not certain who the owner even is, but im sure I can find out. When the pest guy come out he was telling me that the neighbor should be paying to have these nests removed since they are located in their tree. I'm not sure what any suggestions would be ideal.
Personal Finance Deals
RST Outdoor Cannes Collection Patio Furniture ~50% Off
Added on : Tuesday August 19th 2014 10:00:02 AM
g: 0 Posted By: green14
Views: 147 Replies: 0 RSTOutdoor.com is having the best deal they've had all year right now on their new Cannes collection furniture with grey wicker. The Cannes collection is on sale, plus use code CANNES14 for an extra 30% off the sale price. I don't know when this code will expire as it hasn't been advertised in about 3 weeks, but it still works as of this post and the current sale prices are the cheapest they've been since I've been watching them (a few months). Shipping is free too! There are 4 color options: Cantina Red, Tikka Orange, Bliss Blue and Slate Beige. Tikka is Sunbrella fabric, Bliss and Slate are Sunsharp fabric (also made by the makers of Sunbrella), and Cantina is olefin fabric.

For example, I purchased the Cannes Corner, Sofa and Armless Chairs (all in Bliss Blue) to make a sectional and it cost $1,679.97 with the sale and CANNES14 code instead of retail of $3,199.97. 47.5% off retail. We absolutely love this furniture. It's high quality, lightweight and beautiful! The cushions are thick and comfy and have removable covers for washing. The covers don't cover the bottom side, which is mesh to allow water to flow through.

http://www.rstoutdoor.com/collection-cannes-blue
Furniture Deals

RST Outdoor Coupons
Did not pay estimated taxes - now what?
Added on : Tuesday August 19th 2014 09:00:07 AM
g: 0 Posted By: LagerChamp
Views: 0 Replies: 0 I made a little "too much" money last year, because I still had employment income and also started a business that was profitable in 2013. So in April 2014, TurboTax printed 4 estimated tax coupons for me, with the first one being due, I believe, in April and the second one 3 months after that. It is now end of August, and I still haven't mailed any of those vouchers, for several of reasons, some of which are: 1) I quit my regular job and am now living off the income from the business, so there is no more W2 income (i.e. the estimate amount is way off);2) My business income is down from last year (although still profitable); 3) I was short on cash due to additional loans taken to invest in the business.

In the end, I'm pretty sure that I still owe estimated taxes, because my business did make money, and I still haven't paid a dime in taxes for 2014. I have two questions:

1. What will be the consequences if I continue to sit on my ass until April 2015 and pay all the taxes then? Interest, fines, and/or jail?
2. If I do decide to pay everything I owe up until now, which vouchers do I mail right now? The April one? Just the second one with combined amounts from vouchers 1 and 2? Will there still be penalties if I pay everything now? Can I take the liberty of adjusting the amounts or does it have to be whatever TurboTax printed on the vouchers?
g: 3 Posted By: MIGHTYMACHONE
Views: 180 Replies: 0 Fifty Shades of Grey (Fifty Shades Trilogy #1) only 10.22 regularly 15.95at Barnes and Noble ....... great deal for you ladies out there....


http://www.barnesandnoble.com/w/fifty-shades-of-grey-e-l-james/1...
Books Deals
g: 0 Posted By: m2go
Views: 242 Replies: 1 I bought a camera recently to take on a trip (Canon refurb S100, recently found on FW ) and it died -- probably a long term effect of getting splashed by the blow back from a water fallI was taking a picture of...

Anyway, I'm looking at the AMEX Purchase Protection plan and since PP insurance is secondary, they want all details for my homeowners/renter's insurance, incl. policy, adjuster/agent name & phone number etc., if I have one.

Knowing that a friend of mine once called his homeowner's insurance about a stolen camera (no, it was not covered; yes, it was a claim; yes, his insurance supposedly went up), I am a bit hesitant about submitting a claim (I once got $300for my parked car getting hit, and then had that claim push me into the next rating tier for an aggregate $3000 over 3 years).

So, I wonder...can anybody share their experiences here... all I can read is that PP claims generally went smoothly. Did all those folks not have insurance? Not worry? Not gotten their next policy renewal for their primary insurance showing an increased premium?

I'm tempted to call my insurance and ask - but I have read that even that question gets written up as a claim...

So, inquiring minds want to know.... to file AMEX PP with primary insurance details, or not, and what to expect?

Thanks!
Question Deals
g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

Most of the blogs I've read online (and I've forwarded to him) that argue the insane cost of commuting take into consideration the operating cost AND ownership costs into one figure. In addition to depreciation due to mileage put on the car, fuel, maintenance, etc, they would also factor in things like financing, depreciation due to vehicle age, parking, registration, motor vehicle taxes, etc and then come to a general cost per mile of ownership based on X miles driven (typically it's 15,000 miles). Those numbers vary but generally come in at about 61 cents/mile. Obviously, that number is seriously flawed if you only want to know what it costs to operate that vehicle and drive it X miles. I believe it's impractical for most people to not own a car; knowing what it costs to own it is one thing... but understanding what it costs to pull it out of the driveway and drive it X miles is critical when making decisions about investing in a home many miles away from ones' place of employment.

For sake of argument this applies to those that MUST own a car simply because they don't want to rely on bicycles, mopeds, motorcycles or any form of public transportation to commute. This applies to those that are looking at the true financial costs of commuting longer distances to work/entertainment/etc as a trade off to having lower cost housing in the suburbs/"commuter" neighborhoods.

The first consideration is depreciation... and not the kind of depreciation due to your car getting old but rather depreciation due to miles being put on the car itself. First, we need to determine the cost of an "average" car... and that comes to $31,800 as of last year. I specifically searched on KBB the resale value of cars including Toyota, Ford, Honda, Lexus, Kia and GM that were close to the $31,800 in value as new in 2013. The zipcode entered into the KBB site is in Los Angeles. For sake of ascertaining an accurate depreciation per mile we will use the "baseline" mileage at 3,000/miles per year (i.e. this is the minimum mileage I'm assuming anyone that owns a car will drive and all costs incurred per mile in this analysis are over the 3,000 mile baseline). I used 2011 model year cars for examples on each one; this would mean the car was on the road for roughly 4 years on average. I used 12 different models from 6 different makes all priced (today) at around $32K new. I inputted 3K, 8K, 10K, 12K, 14K, 16K, 18K, 20K, 22K and 24K miles and recorded the difference in value for each. Drivers that put only 3 - 8K miles year only depreciated by 8.1 cents per mile over 3,000 miles. I found that the mileage depreciation between 8,000-12,000 miles averaged about 10.6 cents/mile but when we jumped from 12,000 miles to 16,000 miles the extra 4,000 miles a year cost the owner 11.8 cents/mile hit on value ($472 depreciation). Between 15,000 and 18,000 it jumped up to 12.7 cents/mile average. Over 18,000 miles/year the cost per mile plateaued and was fairly linear in the mid 12-cent/mile range through 24,000 miles. A very conservative average between all the cars and all mileage ranges came in at about 11.4 cents so we will use this figure as the true depreciation per mile driven for all cars that have at least 3,000 miles a year being put on them. Note that older economy cars will realize depreciation rates as low as 7 cents/mile... However the same can be said on the upside where newer luxury cars will see an average 15-22 cent/mile depreciation (I tried to input some luxury cars as well that were priced at $50-$60K). I think 11.4 cents mile is on the low side but let's stick with that for the purpose of this analysis. COST OF DEPRECIATION PER MILE DRIVEN FOR CARS THAT TRAVEL MORE THAN 3,000 MILES ANNUALLY - 11.4 cents

Fuel - yes, I know you can buy a Prius that gets significantly better mpg than an average vehicle but there are many vehicles that get more than 20-30% lower mpg than the average car. I owned a Prius and only averaged 37 mpg which is no where near the EPA estimate of 50. So one needs to consider the TRUE mpg to ascertain the cost per mile in fuel consumption The average car gets 24.9 mpg and this is based on EPA estimates; in reality people will be putting well over a gallon of gas in to travel 24.9 miles. In fact, sitting in slow-moving bumper-to-bumper traffic kills EPA estimates by a good margin. But to stay conservative, we'll use that figure 24.9 figure. 24.9 mpg translates to 15.1 cents per mile at $3.77/gallon (national average). I pay over $4.35 for fuel where I live but again, averages trump real world for the sake of argument. COST OF FUEL PER MILE - 15.1 cents

Average maintenance cost for a vehicle is roughly 5.3 cents/mile. There are countless studies that break this data down and this is simply an average. It varies from as low as 4.1 cents to as high as 6.8 cents with the most common coming in at about 5.2-5.5 cents. This includes tire replacement, wiper replacement, oil changes, filter changes, wear and tear/maintenance of vehicle components, etc. COST OF MAINTENANCE PER MILE - 5.3 cents

Insurance costs are slightly lower for those that commute less. There are insurance companies that base their rates on miles driven and others that give discounts for those that put a relatively low number of miles on their cars. I had to check with my Allstate provider to see if there would be a difference and it was small... an increase of about $85/year if I doubled my mileage from my current 6,500 to 13,000 (I felt a little ripped off when I was told this). Based on that information, I would assume it's safe to say that one could save at least $85/year on premiums if they cut their commute by 6,500 miles. This translates to 1.3 cents/mile in hard costs. COST OF INSURANCE FOR MILES DRIVEN - 1.3 cents

Driving infractions/tickets/etc... Now this one is a tough one. Obviously the more you drive the more likely you are to be pulled over and be ticketed. While some people have never received a ticket in their lives others get tickets every year. According to national law enforcement statistics, of the 195 million licensed drivers on the road in the US, 41 million of them are getting ticketed every year on average. That's roughly a 1 in 5 chance of getting a ticket every year. The average cost of a ticket is $155. Insurance rates increase an average of $320/year based on one speeding ticket going 15 miles over the speed limit. So if there is a 1 in 5 chance you'll get a speeding ticket in a year and that cost will run you $475 that translates to an "average" of $95/year on speeding infraction costs. If the average driver traverses 13,476/miles of roadway in a year that translates to 0.7 cents mile for infractions and this means getting a ticket only once every 5 years... which I could imagine is pretty low and conservative. COST PER MILE FOR TICKETS FOR DRIVING INFRACTIONS - 0.7 cents

Accidents - here is another tough one. Personal costs of injury and property damage are extremely hard to average as they can vary by a huge margin. Especially because some people can go decades without a single incident. The car industry purports that the average driver only gets into a "significant" car accident every 17.9 years or roughly 3.5 times in a lifetime. The average cost of these accidents is $23,450 of which only a small portion (assuming you're insured) comes from the driver's pocket. Assuming deductible costs, time lost, personal injury, repairs/rental not covered by insurance, etc, we'll very conservatively peg this cost at $1,000/per "significant" accident as a direct cost to the driver.That's $3,500 over a lifetime. Over 843,600 miles (what the average person drives over a lifetime), that comes to 0.4 cents/mile. Again this is a very low figure and does not take into account countless minor fender benders which can easily cost several hundreds up to a couple thousand to repair especially if you didn't want to report this to insurance in fear your rates will go up. COST PER MILE FOR ACCIDENTS - 0.4 cents

Toll roads - Depending on where you live and work, toll roads can easily add 5-10 cents/mile on to your commute... possibly much more. However, this isn't applicable everywhere (we have no toll roads in my state) so I am leaving this one out of the equation. If you live in an area that requires you to traverse toll roads you'll have to include this in your calculations.

Total cost to OPERATE a vehicle PER MILE (over 3,000 miles/year) not including toll roads - 34.2 cents per mile.

The point of getting this average is so people can better calculate their finances should they decide to live in a commuter city/neighborhood or suburb vs living in or near the urban core. One could point out that you could save much more if you don't buy a car at all. That's very true. The 34.2 cents/mile operating cost is only about half the cost of total ownership and operations but this is the cost of the mileage applied to a car you already own and need. Note that if you own a newer luxury model that gets not-so-stellar fuel efficiency, the 34.2 cents/mile can easily exceed 50 cents/mile on operating costs only. To be fair, I did an analysis on an older (12 years old) more fuel efficient economy car (35 mpg) with an original purchase price of $20,000 and the cost to operate dropped to a low of 21 cents/mile. But this is an extreme example on the low end and not realistic for most. I think most people that can afford to buy a home will own cars that are at least "average" priced and aged.

Now that I know what it costs to take the average car one mile on the road, I wanted to see just how this impacts housing prices and rents. To be fair, the overwhelming amount of people that live in town also commute shorter distances to entertainment venues, restaurants, places of interest, etc etc. So if there are 241 work days in a year it's fair to add another 52 days of commuting into town per year (that's one extra drive into town PER WEEK, which is very conservative, in my opinion). That means 293 days of commuting into town for the average person (driving into town an average of 5.6 times/week). If that average person lives 30 miles from town, that's 293 days x 30 miles x 2 trips = 17,580 miles. If one lived in town, and had a 5 mile commute, this comes to 293 days x 5 miles x 2 trips = 2,930 miles. So while the person living 30 miles from work is commuting 12,050 MORE miles every year (work commute only) than the person that lives 5 miles from work, they are also driving an additional 2,600 miles year because of their proximity to places they need to drive to that are outside of their place of employment. So for every individual mile one lives further from work (2 mile round trip commute) it translates into $200.41/year in direct costs for ONE car (293 days x 1 mile x 2 trips x 34.2 cents = $200.41/year). If it's two cars commuting (which is more common in households these days), you are looking at double that or $400.82/year.

$1,000 in mortgage costs @ 4.5% amortized over 30 years is $4.21/mo or $50.52/year. So for every one mile you live further from work/play, this translates into $3,966 in additional home purchase price you can afford or $16.70 in additional rent you could afford. If you have two cars making the same commute, double that to $7,934 in home value or $33.40 in rent for every single mile you live further from work. Many people in my place of employment chose to live ~30 miles or more away where housing is cheaper. If the difference from my 5-mile commute is 25 miles traveled (50 miles/day), it comes to $99,150 in mortgage and $835/mo in rent. and you'll have to double that to $198,300 in additional mortgage they could afford and $1,670/mo in additional rent they could afford if they had a two-car household. This does not even consider that of your mortgage payment roughly 1/3 of the payment goes back to your pocket in principal payments (i.e. forced savings) and the other 2/3 of the mortgage payment is (at least for now) 100% tax deductible. Arguably, if you look at the bottom line (forced savings + tax deduction benefit assuming a conservative 30% state and fed combined tax rate), each mile you live further from work translates to roughly $7,100 in additional mortgage payments one could afford for each and every car attached to that home that makes that work commute. All while your mortgage is fixed and your car's operating costs continue to increase over the years. Assuming the above assumptions are accurate, living 10 miles closer to your job can allow you to afford $71K more in a house purchase and that's just with one car. Double that for a two-car commuting family and quadruple it to $284K for the same family living 20 miles from work.

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
Discussion Deals
g: 0 Posted By: m2go
Views: 88 Replies: 0 I bought a camera recently to take on a trip (Canon refurb S100, recently found on FW ) and it died -- probably a long term effect of getting splashed by the blow back from a water fallI was taking a picture of...

Anyway, I'm looking at the AMEX Purchase Protection plan and since PP insurance is secondary, they want all details for my homeowners/renter's insurance, incl. policy, adjuster/agent name & phone number etc., if I have one.

Knowing that a friend of mine once called his homeowner's insurance about a stolen camera (no, it was not covered; yes, it was a claim; yes, his insurance supposedly went up), I am a bit hesitant about submitting a claim (I once got $300for my parked car getting hit, and then had that claim push me into the next rating tier for an aggregate $3000 over 3 years).

So, I wonder...can anybody share their experiences here... all I can read is that PP claims generally went smoothly. Did all those folks not have insurance? Not worry? Not gotten their next policy renewal for their primary insurance showing an increased premium?

I'm tempted to call my insurance and ask - but I have read that even that question gets written up as a claim...

So, inquiring minds want to know.... to file AMEX PP with primary insurance details, or not, and what to expect?

Thanks!
Staples. $100 off any clearance PC or tablet. YMMV
Added on : Monday August 18th 2014 05:00:06 PM
g: 0 Posted By: irishrob60
Views: 214 Replies: 0 Had to call in to get them to apply it to my order. Found a $75 off coupon in an earlier thread. Applied it to see if it would work & came up as $100 off

$100 off any clearance PC or tablet.
Coupon#: 50464

Used it on Asus transformer Pad infinity 10.1 full size HD 32 GB Tablet
Was $499.99
Save -$275.00
FInal price 224.99 -$100 coupon = $124.99

I know it's an older tablet but works for my purposes.
They do have a few other decent deals in the Technology clearance. Depends on what your looking for.


Computers Deals

Staples Coupons
Had my first Lending Club default: painful
Added on : Monday August 18th 2014 04:00:08 PM
g: 0 Posted By: urtpiz
Views: 11 Replies: 0 For a whole three months I was cruising at a +20% annualized clip, then plummeted to 16% because of one single deadbeat who couldn't pay his $300/month bill and within one month filed for bankruptcy instead of looking for a job. Starting to rethink my master plan of regular new monthly investments. I understand the risks, but its painful the first time it happens. With 70 notes purchased and only one default, that's a big drop.

No disrespect to those in legitimate financial dire straits.
g: 6 Posted By: TheDiggler
Views: 560 Replies: 2 Managed to capture the underlying URL of a Staples flash based web ad (see attached pic).
Here's the captured URL shortened (copy/paste into browser): goo.gl/JeXig0


Based on observations, one UNIQUE cpn code per BROWSER TYPE per PC can be generated (when choosing to PRINT cpn), regardless of whether you're generating it via a normal browser instance or an Incognito/Private Window/In-Private Browsing instance.

Was informed that when having the cpn TEXTED, it may generate a uniquecpn codeeach time it txts (even in the same browser instance), although the person who tested it had txts sent to multiple phone #s. (Not sure if unique cpn codes were generated to the SAME phone #).

YMMV

*EDIT* When originally posted, the URL above was hyperlinked. The mods updated thathyperlinktopointDIRECTLY to Staples.com. Ultimately the "goo.gl" link reaches Staples.com, butit needs to beinitiatedthrough the actual URL generated by the web-ad (which bounces through a few intermediary links before it gets to Staples.com). Otherwise, the URL pointing DIRECTLYto Staples.com will have the maximum # of redemptions exceeded (and thus not work for others).
Office & School Supplies Deals

Staples Coupons
g: 0 Posted By: rbstern
Views: 227 Replies: 0 Regularly $99.99, on sale for $49.99. In stock in some stores, and free in-store pickup for online orders. My son has had this computer desk in His Room for three years. It's held up very well and is quite functional. I'm going to pick up another for a casual use computer in our basement.

http://www.officedepot.com/a/products/803967/Zillope-II-Computer-Desk-56-14/;jsessionid=0000a4Q6a0LQuv969hPOCWG8uT_:17h4h78ta

Also, Office Depot has a $10 of $50 in store only coupon. Find a small filler to go with the desk and get the extra discount:

http://www.officedepot.com/fm/files/od/tiles/week_3414/od_coupon_dual_0817to0823_web.pdf?cm_sp=multi_category-_-instoreoffer-10off50-_-Header-Global-Ad1-Global&sid=enb-EmB_Ll1vzM9oKGC_5J_EumX&odserver=www.officedepot.com


Furniture Deals

Office Depot Coupons
g: 4 Posted By: TheDiggler
Views: 324 Replies: 2 Managed to capture the underlying URL of a Staples flash based web ad (see attached pic). Here's the captured URL shortened:
http://www.staples.com/sbd/cre/products/140309/34935/index.html?...

Based on observations, one UNIQUE cpn code per BROWSER TYPE per PC can be generated (when choosing to PRINT cpn), regardless of whether you're generating it via a normal browser instance or an Incognito/Private Window/In-Private Browsing instance.

Was informed that when having the cpn TEXTED, it may generate a uniquecpn codeeach time it txts (even in the same browser instance), although the person who tested it had txts sent to multiple phone #s. (Not sure if unique cpn codes were generated to the SAME phone #).

YMMV
Office & School Supplies Deals

Staples Coupons
3 Active tradelines needed for Jumbo Mortgage with Chase?
Added on : Monday August 18th 2014 12:00:09 PM
g: 0 Posted By: deeder
Views: 57 Replies: 2 I had perfect credit score and put 300,000 a year for income, and 800000 in assets and owned a home and a 500,000 down payment.

I only got approved for a 625,000 FNMA mortgage apparently with a mortgage representative they chose out of state when I did an online inquiry but when I emailed back he said he could do a jumbo mortgage for me as long as I had 3 active trendlines. Does that mean another account with Chase? Will call him back to see what he means.

I wish they chose a local broker. I should have gone to the branch instead as the broker was not even in state and wouldn't be familiar with NY State laws.


Question Deals
Closetmaid Shelftrack Kits closeout at Staples (YMMV)
Added on : Monday August 18th 2014 11:00:02 AM
g: 0 Posted By: 1goodshopper
Views: 81 Replies: 0 Found ClosetMaid Shelftrack Elite Home Office Kit and ClosetMaid Shelftrack Elite Bookshelf Kit on clearance at my local Staples.

The ClosetMaid Shelftrack Elite Home Office Kit had retail sticker of $249.99...got it for $19.50 Item Number 132546
and ClosetMaid Shelftrack Elite Bookshelf Kit had retail retail sticker of $199.99...got it for $15.50 Item Number 132547

Both seem to be well made for the price.

Good luck !!
http://www.staples.com/ClosetMaid-Shelftrack-Elite-Home-Office-K...
http://www.staples.com/ClosetMaid-Shelftrack-Elite-Bookshelf-Kit...
g: 6 Posted By: bbr
Views: 247 Replies: 6 I searched the forum and there are only a few threads on this and they don't look like they were active until conclusion. So this thread will hopefully show the entire process through conclusion. However, we are at the beginning of the process and probably months if not years away from the end. Any helpful insights would be appreciated.

State - Georgia
Purpose - Road widening
Amount of land for right of way - 1000sqft +/-
Construction Easement - 6000sqft +/-

What they are wanting purchase from us:

Our SFR house (primary residence) backs up to a road they are widening from a 2 lane road to a four lane divided highway with bike lanes and sidewalks. It appears that the majority of new right of way is going across the street from us. The right of way they want to purchase from us is only a few feet wide and probably wouldn't have much impact on our quality of life. However, they also want a permanent easement that comes an additional 40' +/- closer to our house. They would clear the land on this easement and we would not be able to place any permanent structures (ie. fence) on this land. This easement would clear out an 8'-10' high earthen berm with a 6' high privacy fence on top and extensive mature landscaping. Additionally we have a nice new pool and spa in our back yard along with a pool house and storage building. The back yard was designed to be our relaxation area (has waterfall features on pool and spa, nice lighting, nice landscaping, etc.) and is fairly private. Removing the berm and landscaping will diminish the quality of life extensively (according to me).

Where we are in the process:

August 2014 - Appraiser met with us to explain what they were doing and approximately how much land they would need. Gave us a map and pointed to the approximate boundary lines (surveyors should stake the property "soon"). Appraiser took lots of pictures and was very helpful with explaining the process and what they would and would not pay for.

What they will pay for:

-ROW land
- Easement land
- Fencing
- Landscaping (plants, trees, and irrigation)
- Storage building (if any part of it it is in easement area)

What they might pay for:

- Diminished value because of the loss of the berm and landscaping

What they won't pay for:

- Not sure yet. Going to ask for everything under the sun.

Negotiation Strategies:

- Ask for concrete privacy wall/noise barrier like you see on interstates (appraiser said he had not seen them do this on this type of project)
- Ask for construction easement to be temporary
- Ask for diminished value from loss of berm/landscaping (appraiser said he would need to do a more in depth appraisal for this, he's going to try to get that appraisal approved)



If you have any experience with something like this, or if you have suggestions please chime in.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 90 Replies: 0 The Newly Developed 16.05-Megapixel Digital Live MOS Sensor and Venus: Engine Achieving High Speed, High Sensitivity Image Recording 4K 24p cinematic video (4096x2160), plus 4K 3840x2160 30p/24p:. The World's First Digital Single Lens Mirrorless (DSLM) Camera Recording High Quality Video in 4K - To Meet Professional Quality and Standard High Speed Response Required for Professionals and Practical AF Options: With the LUMIX G digital interchangeable lens capable of digital signal exchangeat max. 240 fps, the focusing is stunningly quick and smooth. Stunning Mobility Supported by Mechanical Advancements: The DMC-GH4 boasts newly developed high-precision, high-speed dual OLED (OrganicLight-Emitting Diode) displays for LVF (Live View Finder) and rear monitor. Increasing the resolution of display area to 2,359K-dot, the new 16:9 Wide Screen LVF boasts approx.1.34x / 0.67x magnification Easy Wireless Connectivity via Wi-Fi / NFC with Smartphones: The DMC-GH4 integrates Wi-Fi connectivity (IEEE 802.11 b/g/n) with NFC (Near Field Communication) technology camera to offer more flexible shooting experience and instant image sharing with easy operation Luminance Level Adjustment: the DMC-GH4 supports smooth postproduction for photographers newly challenging videography. In addition to the standard luminance level of 16-235* and 16-255*,DMC-GH4 offers 0-255 which is equivalent to photo standard. Focus Peaking: Focus Peaking function that shows the peak of focus in MF and AF+MF mode. Users can see the peaking of focus while monitoring the subject in live view. It can be set to HIGH / LOW / OFF and the color can also be changed to blue, white or orange Highlight/Shadow Control: The Live View function is also advanced digitally making it possible to adjust highlight / shadow separately with the front/rear dial. 3 patterns of settings can be customized in addition to 3 patterns of preset. RAW data development in Camera: The DMC-GH4 is capable of developing RAW image in camera.
www.ebay.com/itm/Panasonic-Lumix-DMC-GH4-Digital-Camera-Black-Wi...
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Ryobu One+ 18-Volt Lithium-Ion Combo Kit (3-Tool) $129 + Free shipping @ HomeDepot

http://www.homedepot.com/p/Ryobi-One-Plus-18-Volt-Lithium-Ion-Co...


PRODUCT OVERVIEW
Model # P899
Internet # 204011975

Ryobi 18-Volt ONE+ introduces lithium-ion performance at Ni-Cd prices. Available online only while supplies last, purchase this 3-Piece lithium-ion Combo Kit which includes a drill/driver, impact driver, circular saw, two lithium-ion batteries, and an IntelliPort dual chemistry charger. The drill includes a 1/2 in. heavy-duty single sleeve, keyless chuck with 24 position clutch to match your drilling and driving needs. The circular saw features the Exact Line laser which automatically activates for improved cutting accuracy. The impact driver features a Tri-Beam LED light system that eliminates shadows on work pieces. The bits are fast and easy to reload and the MagTray is perfect for holding bits and screws for many jobs.

California residents: seeProposition 65 information

Drill/Driver has a compact design that fits into small spaces, ideal for hard to reach areas
Drill/Driver has a LED light that illuminates work surfaces for increased visibility
Impact driver delivers 1,500 in. lbs. of torque for the most demanding applications
Impact driver features a 1/4 in. quick coupler for easy bit changes and also features auto-load chuck for fast, easy one-handed bit loading and ejecting
Impact driver features a Tri-beam LED provides optimum illumination and eliminates shadows on work surface
Circular saw features a 5-1/2 in. carbide tipped blade for extended blade life
Spindle lock with on-board wrench storage for quick and easy blade changes
Batteries are compatible with all RYOBI 18-volt one plus products
Compact lithium-ion battery compared to 18-volt Ni-Cd (P100): UP to 20% more runtime
Includes (2) P102 18-volt one plus compact lithium-ion batteries; also works with these batteries (P100, P102, P103, P104, P105, P107, P108) and chargers (P113, P114, P117, P131, P125)
Intelliport charger is conditioned for peak performance and will charge within one hour

Chase cheapest on NY jumbo mortgages?
Added on : Sunday August 17th 2014 02:00:12 PM
g: 0 Posted By: deeder
Views: 69 Replies: 0 If I do stay in the USA the home I want is 2 million. Was looking around for jumbo mortgages and thought some deals were cheaper like Investors Savings Bank but then noticed Chase had 4.0 with .88 points and a 4.07% APY and no other fees listed. It also gives 1% mortgage Cash Back with a checking account so that should be 15000 less over 30 years.

Am I correct to assume that Chase is the better bank to use for closing a mortgage? Know of an attorney who was happy with Chase for his mortgage awhile back while I know of others happy with Wells Fargo but Wells seems to have a higher rate.

So much competition on jumbos with large rate and fee variations.


Discussion Deals
Why is it so hard to get a credit card?
Added on : Sunday August 17th 2014 01:00:08 PM
g: 0 Posted By: timgodsil
Views: 113 Replies: 2 Comparing me and my mother..

My Mom:

1. Has over 10 credit cards.
2. Is in debt over 25 thousand dollars.
3. Does not have a job, has not had one for over 19 years, and barely makes enough of my dads pension to pay the minimum payments.

She has a Fico of....754, and constantly gets credit card offers from places like American Express for the "gold card", the Visa "black card", etc.

Me:

1. Has two credit cards, and has been making the more than the min payments for over a year. One card is paid off, since it was a store card, the other I pay in full every month.
2. Am an authorized user on a credit card with a $3k limit, $0 balance.
3. Have no collections, late payments, or any other negative information. (neither does my mom)

My Fico score is a whopping...594, and I can't even get a capital one card.


New User Question Deals
g: 1 Posted By: Ayla
Views: 45 Replies: 0 CHRISTINE FEEHAN'S Kindle Book: Dark Wolf (Dark Series Book 25) - $5.49 at Amazon


http://www.amazon.com/Dark-Wolf-Book-25-ebook/dp/B00DGZKJAW/ref=...


Print List Price: $7.99

Kindle Price: $5.49



From Christine Feeham's website:
~~~~~~~~~~~~~~~~~~~~~~~~~~~

WHERE DARK LYCAN ENDED, DARK WOLF BEGINS...

BOOK NUMBER 25 IN CHRISTINE FEEHAN'S ACCLAIMED CARPATHIAN SERIES

#1 New York Times bestselling author Christine Feehan now delivers her most eagerly awaited novel of all -- ten years in the making -- in the "the erotic, gripping series that has defined an entire genre" (J. R. Ward).

In Dark Lycan, Christine Feehan JourneyEd into the heart of the Carpathians, and into the souls of two lifemates stirred by the flush of passion and the threat of annihilation. In Dark Wolf, the breathtaking story continues as the bonds of family are imperiled, and the fate of two lovers lies hidden in the seductive shadows between life and death.

Skyler Daratrazanoff always recognized the miracle that was Dimitri Tirunul, a man beyond any dream that had ever engaged her nights. But she was human. Vulnerable. He was Carpathian. Nearly immortal. She was nineteen. He was an ancient. Yet she held half his soul, the light to his darkness. Without her, he would not survive. Caught between the two warring species, Dimitri has spent centuries hunting the undead to keep his people free, and humans safe. He had survived honorably when others had chosen to give up their souls. But now, marked for extermination by the Lycans, Dimitri found himself alone, and fearing for his life. But salvation was coming

No Lycan would ever suspect someone like Skyler to dare mount a secret rescue operation. A teenage girl. A human of untested abilities. But she had something no one else had. She was predestined for Dimitri -- as he was for her. And there was nothing stronger for Skyler than her desire to see her life-dream come true. Whatever the risk.

g: 5 Posted By: VivYip
Views: 375 Replies: 0 Amazon has the kindle edition of the following for $0.99:

Oz: The Complete Collection (All 14 Oz Books, with Illustrated Wonderful Wizard of Oz, and Exclusive Bonus Features)
Welcome to the Wonderful World of Oz!

Fans of L. Frank Baums Oz books, you are in for a treat. Collected here is the ultimate Kindle edition of the beloved series starring such timeless characters as Dorothy, the Tin Man, the Scarecrow, the Cowardly Lion, and the Wicked Witch of the West.

Included in OZ: The Complete Collection are:

All fourteen Oz books written by L. Frank Baum.
The first book, The Wonderful Wizard of Oz, is illustrated with the classic W.W. Denslow artwork.
Links to free, full-length audio recordings of all the Oz books in this collection.
An individual, active Table of Contents for each book accessible from the Kindle go to feature.
Perfect formatting in rich text compatible with Kindles Text-to-Speech features.
A low, can't-say-no price!

Fourteen Complete Works

All fourteen of L. Frank Baum's Oz books, in order and unabridged. Books included:

1. The Wonderful Wizard of Oz (1900)* Includes Original Illustrations by W.W. Denslow!
2. The Marvelous Land of Oz (1904)
3. Ozma of Oz (1907)
4. Dorothy and the Wizard in Oz (1908)
5. The Road to Oz (1909)
6. The Emerald City of Oz (1910)
7. The Patchwork Girl of Oz (1913)
8. Tik-Tok of Oz (1914)
9. The Scarecrow of Oz (1915)
10. Rinkitink in Oz (1916)
11. The Lost Princess of Oz (1917)
12. The Tin Woodman of Oz (1918)
13. The Magic of Oz (1919)
14. Glinda of Oz (1920)

Beyond the Yellow Brick Road

Also included are special features for any Oz enthusiast, including:

A complete list of all Oz books in the official canon by other authors.
A list of Oz films and television series, both directly and indirectly inspired by L. Frank Baums masterpiece.
Links to free, full-length audio recordings of all the Oz books in this collection

This version has illustrations and has all of the books in one location. However, if person doesn't need the illustration or just wants the books free, I am including the Gutenberg Project's link for the author:
http://www.gutenberg.org/ebooks/author/42

Frankly, I would rather pay the $0.99 since I had fond memories of going to the library and checking out the paperback versions and really liking a few of the series. I hope this might help someone. Thank you for reading.
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way to undo a hard credit pull?
Added on : Sunday August 17th 2014 11:00:09 AM
g: 0 Posted By: morfys
Views: 123 Replies: 4 Hi,

My wife opened up a Gap credit card today. The problem is that we will likely buy a house in the next few months, and will take out a mortgage.

So we had the following questions:

1. How likely did Gap do a hard credit pull?
2. What impact will the pull have on our credit score used by lenders? We had a 780 score before.
3. Is there anyway to undo a hard credit pull?
4. What impact will a lowered credit score have on our fixed mortgage rate? I heard there was a threshold at 760 to get the best rates?

Thank you very much for any information.
Question Deals
g: 1 Posted By: JohnnyB4M
Views: 278 Replies: 0 I'm not seeing many deals out there on Iphones, and while I hate to buy them before the new one's come out, my teenagers have destroyed their's to the point I needed to upgrade them (In fairness, they're almost 3 years old).

If you're a heavy Target user, or have a large purchase you'd be willing to make at Target and need/want a new phone, it's a pretty good deal.

For each phone purchased, you'll receive a 20% off coupon to use at Target by 8/23. There's the standard exclusives to Apple, Bose, pharmaceuticals, etc.

This is also stackable with the redcard 5% discount, so you effectively get 25% off of your purchase. I used mine on a 32"Samsung TV purchase, original price $279, on sale everywhere (including Target) for $229, after coupon and redcard for $175. "Savings" didn't fully cover the $99 phone cost, but helped offset it (I had other items I purchased under the coupon as well).

You'll need to hurry.

Thanks
John
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g: -1 Posted By: MrsF
Views: 156 Replies: 2 Unbroken: A World War II Story of Survival, Resilience, and Redemption - [Kindle Edition] -Laura Hillenbrand(Author)

LINKY: Unbroken: A World War II Book


Price is $ $9.12

Regularly $16.00


From Laura Hillenbrand, the bestselling author ofSeabiscuit,comesUnbroken, the inspiring true story of a man who lived through a series of catastrophes almost too incredible to be believed. In evocative, immediate descriptions, Hillenbrand unfurls the story of Louie Zamperini--a juvenile delinquent-turned-Olympic runner-turned-Army hero. During a routine search mission over the Pacific, Louies plane crashed into the ocean, and what happened to him over the next three years of his life is a story that will keep you glued to the pages, eagerly awaiting the next turn in the story and fearing it at the same time. Youll cheer for the man who somehow maintained his selfhood and humanity despite the monumental degradations he suffered, and youll want to share this book with everyone you know.--Juliet Disparte -The Story ofUnbrokenby Laura Hillenbrand -Eight years ago, an old man told me a story that took my breath away. His name was Louie Zamperini, and from the day I first spoke to him, his almost incomprehensibly dramatic life was my obsession.It was a horse--the subject of my first book,Seabiscuit: An American Legend--who led me to Louie. As I researched the Depression-era racehorse, I kept coming across stories about Louie, a 1930s track star who endured an amazing odyssey in World War II. I knew only a little about him then, but I couldnt shake him from my mind. After I finishedSeabiscuit, I tracked Louie down, called him and asked about his life. For the next hour, he had me transfixed.Growing up in California in the 1920s, Louie was a hellraiser, stealing everything edible that he could carry, staging elaborate pranks, getting in fistfights, and bedeviling the local police. But as a teenager, he emerged as one of the greatest runners America had ever seen, competing at the 1936 Berlin Olympics, where he put on a sensational performance, crossed paths with Hitler, and stole a German flag right off the Reich Chancellery. He was preparing for the 1940 Olympics, and closing in on the fabled four-minute mile, when World War II began. Louie joined the Army Air Corps, becoming a bombardier. Stationed on Oahu, he survived harrowing combat, including an epic air battle that ended when his plane crash-landed, some six hundred holes in its fuselage and half the crew seriously wounded.On a May afternoon in 1943, Louie took off on a search mission for a lost plane. Somewhere over the Pacific, the engines on his bomber failed. The plane plummeted into the sea, leaving Louie and two other men stranded on a tiny raft. Drifting for weeks and thousands of miles, they endured starvation and desperate thirst, sharks that leapt aboard the raft, trying to drag them off, a machine-gun attack from a Japanese bomber, and a typhoon with waves some forty feet high. At last, they spotted an island. As they rowed toward it, unbeknownst to them, a Japanese military boat was lurking nearby. Louies journey had only just begun.That first conversation with Louie was a pivot point in my life. Fascinated by his experiences, and the mystery of how a man could overcome so much, I began a seven-year journey through his story. I found it in diaries, letters and unpublished memoirs; in the memories of his family and friends, fellow Olympians, former American airmen and Japanese veterans; in forgotten papers in archives as far-flung as Oslo and Canberra. Along the way, there were staggering surprises, and Louies unlikely, inspiring story came alive for me. It is a tale of daring, defiance, persistence, ingenuity, and the ferocious will of a man who refused to be broken.The culmination of my journey is my new book,Unbroken: A World War II Story of Survival, Resilience, and Redemption. I hope you are as spellbound by Louies life as I am.From Publishers WeeklyStarred Review. From the 1936 Olympics to WWII Japan's most brutal POW camps, Hillenbrand's heart-wrenching new book is thousands of miles and a world away from the racing circuit of her bestselling Seabiscuit. But it's just as much a page-turner, and its hero, Louie Zamperini, is just as loveable: a disciplined champion racer who ran in the Berlin Olympics, he's a wit, a prankster, and a reformed juvenile delinquent who put his thieving skills to good use in the POW camps, In other words, Louie is a total charmer, a lover of life--whose will to live is cruelly tested when he becomes an Army Air Corps bombardier in 1941. The young Italian-American from Torrance, Calif., was expected to be the first to run a four-minute mile. After an astonishing but losing race at the 1936 Olympics, Louie was hoping for gold in the 1940 games. But war ended those dreams forever. In May 1943 his B-24 crashed into the Pacific. After a record-breaking 47 days adrift on a shark-encircled life raft with his pal and pilot, Russell Allen "Phil" Phillips, they were captured by the Japanese. In the "theater of cruelty" that was the Japanese POW camp network, Louie landed in the cruelest theaters of all: Omori and Naoetsu, under the control of Corp. Mutsuhiro Watanabe, a pathologically brutal sadist (called the Bird by camp inmates) who never killed his victims outright--his pleasure came from their slow, unending torment. After one beating, as Watanabe left Louie's cell, Louie saw on his face a "soft languor.... It was an expression of sexual rapture." And Louie, with his defiant and unbreakable spirit, was Watanabe's victim of choice. By war's end, Louie was near death. When Naoetsu was liberated in mid-August 1945, a depleted Louie's only thought was "I'm free! I'm free! I'm free!" But as Hillenbrand shows, Louie was not yet free. Even as, returning stateside, he impulsively married the beautiful Cynthia Applewhite and tried to build a life, Louie remained in the Bird's clutches, haunted in his dreams, drinking to forget, and obsessed with vengeance. In one of several sections where Hillenbrand steps back for a larger view, she writes movingly of the thousands of postwar Pacific PTSD sufferers. With no help for their as yet unrecognized illness, Hillenbrand says, "there was no one right way to peace; each man had to find his own path...." The book's final section is the story of how, with Cynthia's help, Louie found his path. It is impossible to condense the rich, granular detail of Hillenbrand's narrative of the atrocities committed (one man was exhibited naked in a Tokyo zoo for the Japanese to "gawk at his filthy, sore-encrusted body") against American POWs in Japan, and the courage of Louie and his fellow POWs, who made attempts on Watanabe's life, committed sabotage, and risked their own lives to save others. Hillenbrand's triumph is that in telling Louie's story (he's now in his 90s), she tells the stories of thousands whose suffering has been mostly forgotten. She restores to our collective memory this tale of heroism, cruelty, life, death, joy, suffering, remorselessness, and redemption.
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g: 0 Posted By: st4rdust
Views: 123 Replies: 0 Amazon hasBeats Pro Lil Wayne Over-Ear Headphones(Red) on sale for$89.96with Free Super Saver Shipping. Temporarily out of stock, but may be ordered at this price for future delivery.

Note: You must choose Amazon as your seller to get this price.


I know that a lot of FW members are skeptical about Beats headphones. Some say that you end up paying for the brand name more than you do for the quality of the item. However, this was such a good price I had to post.

According to Google Products, the next lowest price for these online is $349.99.
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When the Soul Mends $9.33 @ www.walmart.com
Added on : Sunday August 17th 2014 12:00:07 AM
g: 1 Posted By: jaymanthegreat
Views: 155 Replies: 0 When the Soul Mends $9.33

Format:Paperback,=12px
354 pages
Publisher:Random House Inc
Publish Date:Sep 2008

Book Information:The following content was provided by the publisher.Returning to the home she fled in disgrace, will Hannah find healing for the wounds of the past?
After receiving a desperate and confusing call from her sister, Hannah Lapp reluctantly returns to the Old Order Amish community of her Pennsylvania childhood.
Having fled in disgrace more than two years earlier, she finally has settled into a satisfying role in the "Englischer" world. She also has found love and a new family with the wealthy Martin Palmer and the children she is helping him raise. But almost immediately after her arrival in Owl's Perch, the disapproval of those who ostracized her, including her headstrong father, reopens old wounds.
As Hannah is thrown together with former fiance Paul Waddell to work for her sister Sarah's mental health, hidden truths surface about events during Hannah's absence, and she faces an agonizing decision. Will she choose the "Englischer" world and the man who restored her hope, or will she heed the call to return to the Plain Life-and perhaps to her first love?
"When the Soul Mends" is the third and final book in the Sisters of the Quilt series.

Customer Review:
Nice book, Journey of Healing
I had the chance to read and review "When the Soul Mends" by Cindy Woodsmall. This is the third book in the "Sister of the Quilt" series. I have not read the first two books, but I intend to now after reading the third book. This Amish novel is about a twenty year old Amish girl who needs to find peace and healing to past events that had happened to her in the first two books. After giving birth to a child who dies, Hannah ends up leaving the Old order Amish world to find her aunt who became an Englisher. She then falls in love with Martin and together they take care of his niece and nephew (Kevin and Lissa) who were abandoned by their mother. Returning to her Amish homeland two years later, because of a tragic death, she learns her younger sister is having mental health problems and feels the need to help her. This books takes you through her journey of healing her broken heart and trust issues. Old feelings arise with her ex-fiance Paul and at the end of the book you will see if she decides to return to her Plain life, or if she makes a life with Martin and becomes a family with him, Kevin and Lissa. I enjoyed reading this book and the way Cindy Woodsmall write.
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g: 0 Posted By: ctgolfer
Views: 880 Replies: 0 Product Identifiers Brand Nikon Model D7000 MPN 25468 UPC 018208254682 Key Features Camera Type Digital SLR Sensor Resolution 16.2 MP Screen Size 3" Optical Sensor Sensor Size 15.6 x 23.6mm Sensor Type CMOS Lens System Lens For SD Body Only Focus Adjustment Autofocus & Manual Focus Exposure Max Shutter Speed 1/8000 sec Min Shutter Speed 30 sec Exposure compensation 5 EV range, in 1/2 or 1/3 EV steps Exposure Range EV 0-20 ( ISO 100 ) Exposure Metering 3D color matrix II, Center-Weighted, spot (2.4%) Exposure Modes Aperture-Priority, Automatic, Bulb, Manual, Program, Shutter-Priority, i-TTL Program Flash Light Sensitivity ISO 100-25600, ISO auto Light Sensitivity Max 25600 Camera Flash Flash Type Pop-up Flash Red Eye Reduction Yes Camera Flash Features AF Illuminator, Flash +/- Compensation, Wireless Off-Camera Control Flash Modes Rear Curtain Sync, Red-eye Reduction, Slow Synchro Memory / Storage Supported Flash Memory SD Card, SD Memory Card, SDHC Card, SDHC Memory Card, SDXC Card, SDXC Memory Card Viewfinder Viewfinder Type Optical, Optical (Through-the-lens) Optical Viewfinder Type Fixed eye-level pentaprism Viewfinder - Field Coverage 100% Viewfinder Magnification 0.94x Dioptric Correction Range -3 to +1 Dimensions Depth 3 in. Height 4.1 in. Width 5.2 in. Weight 24.3 Oz. Display Display Type LCD Display Rotation Built-in Screen Details LCD display - TFT active matrix - 3" - color Display Size 3" Microphone Microphone Type Microphone - built-in - mono Microphone Operation Mode Mono Connections Connector Types 1 x HDMI output, 1 x Hi-Speed USB, 1 x USB, 1 x composite video/audio output, 1 x remote control Expansion Slot 2 x SD Memory Card System Requirements for PC Connection Operating System Supported Apple Mac OS X 10.4.11, Apple Mac OS X 10.5.8, Apple Mac OS X 10.6.4, MS Windows 7, MS Windows Vista, MS Windows XP SP3 Battery Battery Form Factor Manufacturer specific File Format Digital Video Format H.264, MOV, MPEG-4, QuickTime Still Image Format DCF, DCF 2.0, DPOF, EXIF 2.3, JPEG, NEF (RAW), RAW + JPEG, Raw Image Resolution Max Video Resolution 1920 x 1080 Environmental Parameters Min Operating Temperature 0 C Max Operating Temperature 40 C Other Features Additional Features 1080p Full HD Movie Recording, AE/FE Lock, AF Lock, Active D-Lighting Technology, Anti-Dust Technology, Automatic Face Tracking, Brightness Control, Built-In GPS, Cropping An Image, DPOF Support, Date/Time Stamp, Depth-Of-Field Preview Button, Digital Image Rotation, Direct Print, Dust Delete Data System, Edit Function, Exif Print Support, Face Zoom, HDMI, Highlight Point Display, Histogram Display, Interchangeable Lenses, LCD Live View Mode, Moisture Resistant, Not Interchangeable Lenses, Orientation Detection, PictBridge Support, Red eye Fix, Resizing an Image, Scene Recognition System (SRS), Text Input To Exif Header, USB 2.0 Compatibility, With Tripod Mount Face Detection Yes Miscellaneous Shooting Programs Autumn color, Beach/snow, Blossom, Candle, Children, Close-up, Dawn/dusk, Food, High key, Landscape, Low key, Night landscape, Night portrait, Party/indoor, Pet, Portrait mode, Silhouette, Sports mode, Sunset Special Effects Color outline, Color sketch, Fisheye, Landscape, Miniature, Monochrome, Neutral, Portrait, Vivid White Balance Auto, Automatic, Cloudy (Preset), Custom, Daylight / Sunny (Preset), Flash (Preset), Fluorescent (Preset), Incandescent (Preset), Manual, Presets, Shade (Preset) Continuous Shooting Speed 6 frames per second Video Capture H.264 - 1280 x 720, H.264 - 1920 x 1080, H.264 - 640 x 424
www.ebay.com/itm/Nikon-D7000-16-2MP-DX-format-DSLR-Camera-Body-w...
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Homeowners insurance overpayment - best approach to resolve
Added on : Saturday August 16th 2014 12:00:05 PM
g: 0 Posted By: Nomoboro
Views: 52 Replies: 0 About three weeks ago we discovered that our escrow company has been paying our homeowners insurance from our escrow account (marked as Hazard Insurance on statement). Since we purchased the home in 2007, we've been paying homeowner's each month via automatic withdrawal from our checking account.

We've requested:

7 years worth of bank statements showing this checkingaccount had withdrawals- per MetLife to verify we made payments all this time.
7 years worth of escrow statements (we had some, others were either shredded or are in storage). ~~This was more difficult as our original mortgage was with Bank of New York in 2007. Sold to Countrywide in 2008, which turned to Bank of America in 2008.
7 years worth of MetLife statements - to show the withdrawal amounts were consistent with our homeowner premiums (we also had car insurance with and a separate withdrawal monthly).


We've contact MetLife and they were less than helpful. We called them first, yet we have not received any of the statements. We called the banks and escrow company a week after MetLife and we've received all their documentation.

We received the last statements today, and after a cursory glance, it appears the overpayment occurred for about 2.5 years. I haven't been able to verify why the change happened - it doesn't look to coordinate with any changed in mortgage (ie. being sold etc.). From my recollection, it also doesn't appear to coincide to our remortgage, but I have to get that paperwork out of the attic.

My thought was to call MetLife again, armed with all the facts and give them one chance to be cooperative. If that doesn't work, I was either going to lawyer up, contact State Attorney General, state insurance commission and anyone else I think of that might be beneficial.

I thinkwhat irks me the most is that suddenly at the end of 2013, MetLife stopped the second payment. So it appears the realized there was overpayment going on, yet no attempt was make to rectify the situation.

I recall receiving a letter saying it was going to combine our monthly withdrawal into one payment - I looked into my files and cannot locate that letter. We moved in January 2014, so things were a little hectic leading up to it.

In the meantime, we have bought a new home (still own the first home and have it rented). We were unhappy with MetLife and when we bought our new home in January 2014, we switched insurance companies. Sadly we are paying less for our two cars, new $2 million umbrella policy, new home and old home with Allstate, than we paid for two cars and our original home.

I'm seeking advice on what our approach should be moving forward. We did pay an additional $3/month for a payment that should not have been received. We also spent $150 getting copies of statements to verify when this started happening. At the very least I want the couple thousand dollars and change back.

Is there anything else we should ask for? I'm still pretty pissed at MetLife from an accident we had where the other driver admitted fault, was cited by the state police and their insurance company's adjuster stated I needed a new door - Met Life's adjuster said I didn't - so I didn't get a new door. That door still doesn't shut correctly. But I digress.....

Any thoughts greatly appreciated.
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Mortgage got sold to NationStar, but have no account number yet
Added on : Saturday August 16th 2014 08:00:11 AM
g: 0 Posted By: cpaynter
Views: 79 Replies: 3 I've been with Freedom Mortgage for a couple of years now, no problem. On July 30, I got a letter from Freedom, informing me that my mortgage had been sold to NationStar effective August 1, and that Freedom would no longer be accepting payments, and that I should expect communication from NationStar. I waited, but nothing ever came. I tried registering on NationStar's site, which seems to have an accomodation for such cases; you can register with your old mortgage account number. Tried that, no dice. Number not recognized. I called NationStar customer service, and they informed me that they were backed up, and hadn't assigned me an account number yet, and that I should wait for something to come in the mail. It's now August 16, and I still haven't seen anything. Technically, my mortgage payment is now one day overdue.

I could send payment to NationStar without an account number attached, but this strikes me as a bad idea. It could get cashed and applied to someone else's account, or to no one's account, and I could have a devil of a time getting my money back or applied to my mortgage.

OTOH, I'm concerned that *not* paying will put me in deadbeat status with NationStar. From what I gather of NationStar, they're sort of a bottom-of-the-barrel lender; lots of subprime accounts and questionable business practices. I'm reading stories that they're the kind of lender that will throw someone into foreclosure and screw them over, with no fault on the part of the mortgagee.

I've been assured that no late charges would be assessed and no negative items will be reported to CRA's within 60 days of the transfer. That's nice in theory, and I'm sure if they did charge me or report me, I could eventually prevail in court, but at what cost in $, time, and lost credit, if only temporary?

So, any advice on what to do?

Chris.
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Schwab Bank - best deal I could find
Added on : Saturday August 16th 2014 07:00:08 AM
g: 0 Posted By: deeder
Views: 42 Replies: 0 Looks like Schwab bank is the best bank I could find and the wire transfer fee from the brokerage side for international is only $25. I thought it couldn't do international wire transfers. Also ATM card will come with Chip and PIN I hear in the future.

So I guess I'll keep the Capital One and Schwab Bank combination. Brokerage checking accounts seem to offer a lot lower fees than their bank counterparts. Schwab's fees are really impressive. Only downside is rejection of mobile deposit. I had a large sum in the account then removed it and then applied for mobile deposit 2 times and got rejected.

I am hopeful Schwab will further integrate OptionsXPress. Also saw Merril Edge is a lot better deal than Bank of America checking but customer service is poor and only Bank Of America ATMs were included. With Schwab it works with ANY ATM and I have Capital One for the times I need a bank specific ATM.

So unless someone knows of a better wire transfer deal than $25 for international wire, I guess Schwab is really the best deal on fees. Need money to put in the account but Schwab seems best for international so Capital One and Schwab is my combination now.


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g: 0 Posted By: ctgolfer
Views: 177 Replies: 0 Product Identifiers Brand Nikon Model D7000 MPN 25468 UPC 018208254682 Key Features Camera Type Digital SLR Sensor Resolution 16.2 MP Screen Size 3" Optical Sensor Sensor Size 15.6 x 23.6mm Sensor Type CMOS Lens System Lens For SD Body Only Focus Adjustment Autofocus & Manual Focus Exposure Max Shutter Speed 1/8000 sec Min Shutter Speed 30 sec Exposure compensation 5 EV range, in 1/2 or 1/3 EV steps Exposure Range EV 0-20 ( ISO 100 ) Exposure Metering 3D color matrix II, Center-Weighted, spot (2.4%) Exposure Modes Aperture-Priority, Automatic, Bulb, Manual, Program, Shutter-Priority, i-TTL Program Flash Light Sensitivity ISO 100-25600, ISO auto Light Sensitivity Max 25600 Camera Flash Flash Type Pop-up Flash Red Eye Reduction Yes Camera Flash Features AF Illuminator, Flash +/- Compensation, Wireless Off-Camera Control Flash Modes Rear Curtain Sync, Red-eye Reduction, Slow Synchro Memory / Storage Supported Flash Memory SD Card, SD Memory Card, SDHC Card, SDHC Memory Card, SDXC Card, SDXC Memory Card Viewfinder Viewfinder Type Optical, Optical (Through-the-lens) Optical Viewfinder Type Fixed eye-level pentaprism Viewfinder - Field Coverage 100% Viewfinder Magnification 0.94x Dioptric Correction Range -3 to +1 Dimensions Depth 3 in. Height 4.1 in. Width 5.2 in. Weight 24.3 Oz. Display Display Type LCD Display Rotation Built-in Screen Details LCD display - TFT active matrix - 3" - color Display Size 3" Microphone Microphone Type Microphone - built-in - mono Microphone Operation Mode Mono Connections Connector Types 1 x HDMI output, 1 x Hi-Speed USB, 1 x USB, 1 x composite video/audio output, 1 x remote control Expansion Slot 2 x SD Memory Card System Requirements for PC Connection Operating System Supported Apple Mac OS X 10.4.11, Apple Mac OS X 10.5.8, Apple Mac OS X 10.6.4, MS Windows 7, MS Windows Vista, MS Windows XP SP3 Battery Battery Form Factor Manufacturer specific File Format Digital Video Format H.264, MOV, MPEG-4, QuickTime Still Image Format DCF, DCF 2.0, DPOF, EXIF 2.3, JPEG, NEF (RAW), RAW + JPEG, Raw Image Resolution Max Video Resolution 1920 x 1080 Environmental Parameters Min Operating Temperature 0 C Max Operating Temperature 40 C Other Features Additional Features 1080p Full HD Movie Recording, AE/FE Lock, AF Lock, Active D-Lighting Technology, Anti-Dust Technology, Automatic Face Tracking, Brightness Control, Built-In GPS, Cropping An Image, DPOF Support, Date/Time Stamp, Depth-Of-Field Preview Button, Digital Image Rotation, Direct Print, Dust Delete Data System, Edit Function, Exif Print Support, Face Zoom, HDMI, Highlight Point Display, Histogram Display, Interchangeable Lenses, LCD Live View Mode, Moisture Resistant, Not Interchangeable Lenses, Orientation Detection, PictBridge Support, Red eye Fix, Resizing an Image, Scene Recognition System (SRS), Text Input To Exif Header, USB 2.0 Compatibility, With Tripod Mount Face Detection Yes Miscellaneous Shooting Programs Autumn color, Beach/snow, Blossom, Candle, Children, Close-up, Dawn/dusk, Food, High key, Landscape, Low key, Night landscape, Night portrait, Party/indoor, Pet, Portrait mode, Silhouette, Sports mode, Sunset Special Effects Color outline, Color sketch, Fisheye, Landscape, Miniature, Monochrome, Neutral, Portrait, Vivid White Balance Auto, Automatic, Cloudy (Preset), Custom, Daylight / Sunny (Preset), Flash (Preset), Fluorescent (Preset), Incandescent (Preset), Manual, Presets, Shade (Preset) Continuous Shooting Speed 6 frames per second Video Capture H.264 - 1280 x 720, H.264 - 1920 x 1080, H.264 - 640 x 424
www.ebay.com/itm/Nikon-D7000-16-2MP-DX-format-DSLR-Camera-Body-w...
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Wegmans' potential listeria contamination issue
Added on : Thursday August 14th 2014 07:00:09 PM
g: 0 Posted By: cga
Views: 146 Replies: 0 I'm not sure if this belongs here or in Off Topic, but I think it deserves some attention, and since it concerns a well known grocery chain, I'm posting the topic here. If it needs to be moved, that's fine.

Recently, some possibly tainted fruit was recalled.Read this article for details.Wegmans sold some of this fruit, which was possibly contaminated with listeria..

I live in the Rochester, NY area and although there are other grocery stores in the area, none compares to Wegmans, so it's the de facto only game in town.

To its credit, Wegmans apparently computer called all of its known customers who were on record, via their shopper's club card, as having bought some of the possibly dangerous fruit, I received one of these calls and finally got around to going to my local Wegmans after getting the call.

What I learned there regarding Wegman's store policy on refunding/crediting customers' for their purchase of the potentially bad fruit truly shocked me. Wegmans is known for being the best super market chain in the country, and also one of the best places to work. For several years, actually. They are generally extremely customer oriented.

What are they doing about the possibly dangerous fruit, which can severaly sicken or even kill? They are offering refunds (with receipt) or store credit to customers who admit they have not eaten the fruit. Now, I had long since eaten all of the fruit, and don't recall getting sick. So she said no refund/credit for you. At that point I admit I lost my cool and raised my voice a bit...something you almost never see/hear happening in a Wegmans.

It seems logical to me that since everyone who bought the possibly tainted fruit ran the same risk of getting sick, everyone deserves a refund or credit. Actually, now that I think about it, maybe those who ate the fruit deserve even more consideration. It seems truly ludicrous to penalize everyone who ate the fruit.

Unless Wegmans issues a public apology (not likely) I'm definitely going to spend more of my grocery money at my local WalMart Superstore, which has a very good super market section.

I felt like bringing this to light, and am hoping others give it a little thought and perhaps express their opinions, even if it's to disagree with mine.


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Star Wars Anakin Skywalker Lightsaber Table Lamp $58.78 w/FS @ Newegg
Added on : Thursday August 14th 2014 11:00:04 AM
g: 0 Posted By: ctgolfer
Views: 151 Replies: 0 Sold and Shipped by:
Toynk Toys and Costumes


Add ambient light and an air of elegance to your room! Table lamp based on the lightsaber carried by Anakin Skywalker. Star Wars -themed lighting fixture measures 26-inches tall.

The shade shows the emblem of the Jedi Knights on three sides! Add ambient light and an air of elegance to your room with this Star Wars Anakin Skywalker Lightsaber Table Lamp! Based on the famous weapon carried by Anakin Skywalker, this beautiful lamp comes with a black laser-cut shade that shows the emblem of the Jedi Knights on three sides. The Star Wars -themed lighting fixture measures 26-inches tall and is designed to use up to a 100-watt light bulb.

www.newegg.com/Product/Product.aspx?Item=9SIA0190C82465
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PayPal Dispute Issue
Added on : Thursday August 14th 2014 10:00:15 AM
g: 0 Posted By: vishalj77
Views: 96 Replies: 6 I'm having some trouble with PayPal disputes recently - over international deliveries to certain countries. I have had 3 disputes so far in which all the items were delivered, but they took 45 to 60 days for delivery.. and the recipients would open a dispute within 4-5 days of shipment. I would let PayPal know every time that they should wait for a few weeks and then make a decision (yeah right) but they close the dispute and refund the payment to the buyer.

I have insurance on all packages, but the insurance company has denied all claims, because tracking shows they were delivered. I filed an appeal with PayPal (after a dispute has closed, you can file an appeal if the shipment status changes) and I've 'won' all the appeals - but this is the outcome of the appeal -

Status
After careful review of the new information you provided, your appeal has been granted.

What happens next
Please contact the buyer to have the refund issued from your account returned to you."

What's the point of an appeal if PayPal doesn't reimburse the seller? Do they really think a buyer is going to return the money or the product?

What would fellow FWFers suggest in this case? Small claims? I have emailed their executive team multiple times and have received no response.
Personal Finance Deals
Dispute with Auto Dealer - Advice Needed
Added on : Thursday August 14th 2014 09:00:08 AM
g: 0 Posted By: cak144
Views: 38 Replies: 2 I have a dispute with an auto dealer over a pricing issue. The dealer is located 150 miles from me. Here is a condensed version of what transpired. They had a demo car advertised on their website for a certain price. I spoke over the phone to a salesman and told him that I wanted to purchase that specific vehicle. I told him that I lived 150 miles away and would be coming to pick up the vehicle the next day around 3 pm. He said that the vehicle would be waiting and ready for me at that time. Nothing was mentioned about selling the vehicle at anything other than the advertised price. I arrived at the dealership around 3 pm, met the salesman, and waited at his desk while he went back to the general manager's office where I saw him and 2 other men talking. After waiting at the salesman's desk for 20 minutes or so, I went back and asked if there were any problems. A gentleman came up to me, introduced himself as the general manager, and said that they were checking to make sure that all the rebates were compatible but that everything checked out. The salesman and the second gentleman came out shortly thereafter and started writing down some figures, coming up with a final price that was $1,000 higher than advertised on the website. I had a printout of the price on the website and showed it to him. He said that the vehicle in question had 2,010 miles on it for which General Motors would give the dealer an allowance of $500 but that the additional $1,000 would only be given once the vehicle reached 5,000 miles. I won't go into all the gory details of what transpired between myself and this gentleman and later the general manager, but it got a little heated. They never once said that this was a price mistake, only that they couldn't sell it at the advertised price because it didn't have 5,000 miles. In fact, in response to my question about why they advertised it for a lower price than they intended to sell it for, the general manager said, "because if we did, we wouldn't get anybody to come into our dealership". I went ahead and purchased the vehicle anyway because I had driven 150 miles and it was still slightly less than I could purchase it for locally - plus I intended to contest the issue with General Motors, etc once I got home.

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

I tried to make this as condensed as possible but it was hard to lay out all the pertinent information in fewer words. Any advice on this or a different course of action would be appreciated.
LEGO Clearance - Krogers - Disney & Friends sets (YMMV)
Added on : Thursday August 14th 2014 03:00:06 AM
g: 1 Posted By: paco495
Views: 287 Replies: 2 I was at my local Krogers (Cincy on Cincy-Dayton road) last night and they had a bunch of girl themed Disney Princess & FriendsLEGO sets on clearance at incredible discounts.

Cinderella's Romantic Castle - 21.00
Friends Downtown Bakery - 9.99
Disney Princess Rapunzels Tower - 12.99
Disney Princess Ariel's Magical Kiss - 9.99
Disney Princess Cinderella's Dream Carriage - 9.99
and many more I cant recall at the moment.....

I assume this is nationwide as the manager on duty (who had to authorize the sale - clerk said the spend to savings ratio required manager approval) told me they were clearing all all girl themed LEGO sets as a company. So this may be at all Kroger, Fred Meyers and Ralphs but a YMMV deal.





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How to fix an error on credit report?
Added on : Wednesday August 13th 2014 05:00:06 PM
g: 0 Posted By: FWFGirl
Views: 38 Replies: 0 Not an alternate ID, first time posting about an issue and would very much appreciate any advices.

Backstory:
Over the weekend, I applied for a credit card and was rejected due to delinquent accounts. Confused, I called the credit card company and they said my report shows 2 accounts delinquent. Now I am even more confused as I check my credit via credit karma and Trans Union regularly (I have access to run this for free). Turns out, these negative accounts only shows up on Experian ONLY. My Equifax and Trans Union were cleaned, with very good scores. I called the credit card company back and asked them to run the other 2 reports. They did and they agreed my credit is good and approved the card.

Further investigation:
One of the delinquent account was Amazon visa. I called them up and they told me they never had an account with my name or SS#. So I disputed this account on Experian's site. The other delinquent account is for student loan from FED Loan service. This time, I didn't even call them, I just disputed it thinking its a mistaken identity since these accounts are not even showing up for Equifax and Trans Union reports.

After giving it some thoughts, I figured out what happened. I had a cousin living in my house supposedly going to school and need a place to stay. Long story short, I didn't want to do this, family pressure won, it was a nightmare, rest of the family soon realized I am right and we got rid of her and she is no longer living in the US. My cousin have her own SS#, but her name is only 1 letter off from my name. ie FWFGirl vs FVFGirl. So what happened was, Experian put her accounts under my name because it looked so similar with the same address. My thinking was confirmed when I got a collection letter addressed for her for that same Amazon account today!

My questions are:
1) I still plan on sending a certified letter to the collection company asking them to validate the debt to buy time while I figured out what to do next. When the collection company replies with the validation (It will be valid as I can definitely see her running up a credit card then leaving the mess behind), what is the next step? Should it be nothing since it is not even my name/SS/card/account?
2) How to clear these accounts from my Experian report? These accounts are NOT under my name and SS, and I did NOT co-sign anything for her.
3) Do I contact Amazon visa and FED Loan at all? It is really not their fault this shows up on the wrong Experian report and they have no records of me and my SS in their system?
4) Or do I just go directly and work exclusively with Experian to get this resolved?

Thank you for reading!
New User Question Deals
Mizuno Women's Volleyball Shoes - $50 + $5 shipping @ Scoredone.com
Added on : Wednesday August 13th 2014 01:00:03 PM
g: 0 Posted By: GKLM0709
Views: 90 Replies: 2 Found this site looking for some volleyball shoes for my wife. Pretty great deal on the mizuno wave lightning RX2's. $50 and an additional 5 for shipping...Not half bad.

The only problem is they only had about 1-2 per size.

http://www.scoredone.com/products/mizuno-wave-lightning-rx-2-wom...

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Digestive Advantage probiotic capsules 25% off coupon at amazon.com
Added on : Wednesday August 13th 2014 10:00:02 AM
g: 0 Posted By: kirbydog
Views: 22 Replies: 0 Target's price was $12.99 for one box and they only had the Daily or the Lactose Defense formulas.
different varieties depending on your digestive needs.
My order today came to $5.96 per box for 3 boxes after coupon was applied. I don't want to stockpile more than this because it is live culture.

Click on coupon found here:
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Stargate Atlantis: The Complete Series (Blu-ray) - $59.96 + FS @ Walmart
Added on : Wednesday August 13th 2014 09:00:02 AM
g: 0 Posted By: shadowstriker
Views: 66 Replies: 0 WalMart has Stargate Atlantis: The Complete Series (Blu-ray) on sale for $59.96 with free shipping.

4.3/5 stars based on 447 customer reviews here from Amazon, where this is currently $113.08.

Received an 8.1/10 at IMDb.

So those of you that missed it like me, It'sBack again only 5.00 more than yesterday!
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g: 0 Posted By: jkotharibot
Views: 72 Replies: 0 All fellow FW'ers.
I need advice on my recent experience and how to proceed or what do you think. Please be kind - Here is what happened:

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

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

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


Recommendation Needed Deals
Another Amazon Prime 30-day trial - YMMV
Added on : Monday August 11th 2014 06:00:02 PM
g: 0 Posted By: Deals4mykids
Views: 172 Replies: 0 Heads up everyone. I just went to Amazon and right on their front page, they had a free 30-day prime trial again. I had Prime before on this account but I haven't had it for at least 3-4 months now so I'm not sure if this'll work for anyone. Anyway, the link that it takes you to is the following. good luck.
http://www.amazon.com/dp/B00DBYBNEE
Services Deals

Amazon Coupons
g: 0 Posted By: DaysFan
Views: 208 Replies: 0 http://shop.nordstrom.com/c/beauty-makeup-perfume?dept=8000001&origin=topnavReceive an exclusive cosmetics bag filled with samples from Laura Mercier, Mario Badescu, Murad
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GO SMiLE Teeth Whitening Gel (0.5 oz.)
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Beauty Deals

Nordstrom Coupons
Shade Tech 12-ft. X 12-ft. Canopy $59.99 Free Store Pickup @ Sears
Added on : Monday August 11th 2014 02:00:04 PM
g: 1 Posted By: DizzyT71
Views: 171 Replies: 0 Sears.com has the Shade Tech 12-ft. X 12-ft. Canopyon sale for $59.99 with free in-store pickup.
Was: $109.99

12 ft. x 12 ft. overall size with 81 sq. ft. interior space fits up to 12 people for a fun day with family and friends.
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Polyester top has aluminum backing for a cooler and darker shade.


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Sports & Outdoors Deals

Sears Coupons
Capital One - Worst teller experience of my life
Added on : Monday August 11th 2014 01:00:07 PM
g: -2 Posted By: deeder
Views: 91 Replies: 4 Was banking at Capital One. Went into teller to deposit some cash and a check. A transaction which should have taken a few minutes tops took much longer. There were no deposit slips, just withdrawl slips all over so I ask teller if I can make a deposit telling her I don't see any deposit slips. Teller is like oh sorry we see your account has been blocked. And insists on having me mobile deposit the check in branch and had me deal with another person in the branch.

Very unfriendly experience. Service in past was acceptable. Nothing great but actually better than my experiences dealing with other institutions.

With all the banks around, not sure which other one to choose. I hear bad things on all of them combined. But which of the local NYC banks is the least evil where I can deposit CASH + Checks and do more complex international transactions?

TDBank has $100 min checking but seems to have loads of complaints. Citibank was horrific even though it was large. Same for HSBC.

Any suggestions on which the least evil one to use is? I keep funds in a high yielding APY account that is separate for higher yielding returns and a free checking account for local branch access.

Is TDBank which has the longest teller hours actually that bad where they will find a way to fee you hard or keep funds on hold?
Discussion Deals
Union Plus Prepaid Savings Account - 5.1% APY
Added on : Monday August 11th 2014 09:00:10 AM
g: 0 Posted By: MoogLiberation
Views: 32 Replies: 0 I searched and didn't find any threads that had answers to my questions and I just figured I'd throw them out there to the group. I'm looking to open an account with Union Plus and I have a few questions before I do so:

I don't plan on using the account for anything besides the savings account. Am I understanding it correctly that the monthly $2 fee is waived as long as you DD $500/month? So with the DD I wouldn't experience any fees, right?

I'm planning to fund the account with $5,000, so each month I would have to withdrawal roughly $530 (DD + monthly interest) if I want to keep it around that optimal $5,000 level. Is there any way to withdraw that kind of money without being charged another fee? I have a Mango account as well and am just asking for CashBack at the supermarket. Although I don't ask for nearly as much CashBack back, and I'm not sure if that same strategy would work.

If I decide not to do the DD and just eat the monthly fee, is there anything I have to do (like a small DD) just to keep the account active and open? Thanks.
Former employer wants money back
Added on : Monday August 11th 2014 04:00:09 AM
g: 0 Posted By: rjdoc74
Views: 111 Replies: 3 Just trying to see if someone is knowledgeable about this on here. Long story short, my wife just finished a 1 year long medical fellowship program at a major university. She was considered an employee of the hospital and received a monthly salary. Mid-year, we received a letter stating that the hospital re-classified all the fellows from being "trainees" to being "clinical instructors" and her that her federal and state contributions will change. Because of this, her paycheck went down by ~$300 per month. Fine, there was nothing we could do. Now, her employment concluded on 7/7/14. Last night we had received a letter stating that now they want ~$1500 BACK for overpayment due to this issue for first 6 months of her employment. We could not believe this. They told us that this "reclassification" took place as of 1/1/14 but now they want money back for previous 6 months as well. Do we just tell them to go pound sand? Or Do they have any kind of legal standing here? Any advice is appreciated!
Personal Finance Deals
g: 0 Posted By: DaysFan
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Macy's Coupons
Godaddy: 12 Month of Deluxe Hosting & Free Domain for $36
Added on : Sunday August 10th 2014 06:00:07 PM
g: 0 Posted By: Zhono
Views: 194 Replies: 0 Not sure if people already know about this, so I'm posting it. You can get 12 month of Deluxe(unlimited websites) hosting and a free domain for $36 My shoddy math tells me that is 70 or 75 percent off.

DISCLAIMER: I have no idea if this will change at some point. It's possible that they may change how the upgrades work. So far, it have worked for me though. I also do not know when the coupon expires, or where it even came from. I found it randomly in a Google search. If you know a different coupon that gives 12 months of Economy for $12, feel free to use that instead.

How to do it:

Add 12 months of Economy hosting to your cart. It MUST be Economy. Select your free domain that comes with your hosting purchase. Use the coupon codecjcrmn1hosand the price will drop to just $12 for 12 months. Complete the order.

Now, instead of initializing your new hosting, click the "Options" button, and then click upgrade. Do not change the "length of renewal" option or it will not work. The year you already have will be discounted, but any extra time you add will be full-price. Click "Checkout". In your cart, it will say you are ordering an upgrade to Deluxe Hosting, for a 1 Year term, at $2 per month. Your total will be $24. Complete the order. Congratulations, you just got $108 worth of hosting and a free domain, for only $36. That's only $3/month instead of the normal $9/month. Now you can initialize/setup the hosting account details and whatnot.

And yes, that coupon works as many time as you want, so you can get multiple hosting plans for cheap if you need them. At least it worked for me. Your results might vary.

Why/how this works: It's quite simple. The first coupon gives you Economy hosting for $1/month when you buy a whole year. But after you buy it, they treat it the same as if you had paid full-price. So when you click to upgrade, they only charge the difference between full-price Economy and full-price Deluxe, which is only an extra $2/month. You could also upgrade to the highest package instead if you wanted, but it costs a lot more.
Computers Deals

GoDaddy Coupons
Looking for insurance risk knowledge and Car Share ideas
Added on : Sunday August 10th 2014 04:00:07 PM
g: 0 Posted By: nyccpa
Views: 11 Replies: 0 Hi All,

I am reaching out to the FWF community to pick your knowledge and brains. I live in NYC and keep a car in a garage. A good friend of mine and I have been discussing starting a car share where he would generally have whatever access he wants to my car when I am not using/needing it. There are two issues: a) insurance concerns and b) cost structure

Car - 2007 Hyundai Santa Fee, 93k miles
My fixed expenses for the car:
$820 for insurance
100 per month for parking (after effective tax benefit)
Total = $168 monthly, $2,016 yearly

A) Insurance concerns:
My main concern around this is if an accident happens, and my insurance skyrockets (from $800 a year to 2k, 3k, and up) or I become uninsurable as a result. I have Geico - I called Geico to ask if I can add my friend to my insurance as he may be driving my car sometimes. They had no issue with it and adding him did not result in a premium increase. However, when I asked them is it easy to remove him if he no longer needs my car they seemed to have some issue with it, indicating they would need proof that he is insured elsewhere (meanwhile he doesn't have his own car...). Does this make sense to anyone? Also, are there any pitfalls that I am not thinking of here?

B) Cost Structure:
I was thinking something like a flat fee per month to have access to the car and share in the fixed costs (70-100), which would also allow some kind of estimates miles. I was worried tons of mileage could get put on if he took a ski trip or something to Vermont and put on 500-600 miles, so I was thinking there would be a charge for miles above the miles allotted for the "fixed costs miles."

I welcome any ideas/risks on the above. Am I being penny wise, pound foolish in even considering taking on this kind of risk? I also have a side business and could potentially create some kind of empoyer/employee relationship and having the business insure the car, etc... but I know nothing of this area.

Thanks in advance,
David
Discussion Deals
Rite Aid 8/17 - 8/23
Added on : Sunday August 10th 2014 12:00:07 PM
g: 0 Posted By: MrVietnam
Views: 2 Replies: 0 Perfect time to use the 4/1 Loreal HIP RAQ if you were lucky enough to get some. 40% off cosmetics and DD w/Loreal monthly and EE.

Free Conair/Scunci accessories.
Spend 10, get 5, L2. Use the 2/1 VV on items over 3.99 RR
Buy 3 items @ 4.29 on gold = 10.29, use 3 2/1 VV (YMMV) = 4.29, get 5 UP

The artificial lashes deal should DD with the EE (haven't tried purchasing any lashes, but the ad says they are included in the EE). Not sure if this month's Revlon Eye $3/$5 VV will beep on lashes or not. If not, spend 10, use 2 $3/$5 VVs, get 3 UP .. spend $1 and get 10 EE tracking.

Free Reach 2 ct. toothbrushes w/MFC coming (according to ad)

Free MaxFreeze 5 w/5 UP, L1
FB Q @ zim's, under Exclusive Deal tab
$2/1 any Zim's (maxfreeze pictured)
SS Q, had to try 3 browsers to get it to print. IE worked for me

Cheap Windex 2/6 w/2 UP wyb 2, L2
Buy 4 = 12, use $3/4 IP = 9, get 2 2 UPs and 3 CAT (CAT runs 8/11-9/7) = $2 for 4 Windex

g: 0 Posted By: jskins
Views: 206 Replies: 0 13-pc. Makeup Brush Set w/ Roll Up Case - $6.99 with $3.99 shipping at Tanga.

12 brushes Include Face, Blush, Angle Blush, Bronzer, Foundation, 2 Eye Shadow brushes, Ultra Fine Eye Liner, Eye Liner, Lip, Concealer, and Eye Brow Brushes
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Makeup Deals

Tanga Coupons
Best ways to make money while traveling the world
Added on : Sunday August 10th 2014 09:00:09 AM
g: 0 Posted By: eddierd
Views: 32 Replies: 0 Permanently traveling the world sounds like it could quickly drain your finances. But for Derek Earl Baron, 37, founder of wanderingearl.com, it was the most lucrative decision of his life. Hes been on the road for 5,268 days over 14 years visited 88 countries, and worked 10 different jobs.After graduating college, Baron was only planning to travel for three months before buckling down to start his career in sports management. But a week into his trip, he decided corporate life wasnt for him.In just that one week I had so many life-changing travel experiences, that [I thought] there must be so many more of those experiences out there in the world. I decided that I couldnt go back, Baron told Yahoo Finance. Determined to make a living while on the road, he was able to find money-making opportunities that allowed him to save money while seeing the world.Article Continues: http://finance.yahoo.com/news/how-i-saved--24-000-while-travelin...
Discussion Deals
Craftsman Nextec 12.0 Volt Right Angle Impact Driver $69
Added on : Sunday August 10th 2014 09:00:05 AM
g: 0 Posted By: cptbarkey189
Views: 165 Replies: 0 http://www.sears.com/craftsman-nextec-12...directType=SRDT

I had bought this impact driver this morning for $89, and by blind chance checked it again afterwards and the punks dropped it another $20, so its now $69 with battery and charger. I will get plenty of use with it working in tight areas such as timing belts. I called them of course and they gave me a credit.
Tools Deals

Sears Coupons
Free Ebook - Song of Shambhala interactive story-world
Added on : Sunday August 10th 2014 07:00:02 AM
g: 0 Posted By: songofshambhala
Views: 25 Replies: 0 Song of Shambhalais a modern myth that offers an immersive and engaging experience where life-changing themes of timeless wisdom, embedded in a music-infused story-world, offer transmedia hooks that pull readers from inspirational fiction to empowering information.

When he was young, Sheridan Clark believed music could change the world; now he must believe that the power of one song can save it.

Sheridan Clark is an expert in antiquities relating to music, and the former conductor of the Vatican choir who has now fallen on hard times. He is recruited by a shady U.N. operative, to retrieve the Baton of Shambhala, an ancient artifact said to be used by the Archangel Lucifer to direct the chorus of heaven before his fall from grace. They journey to the Himalayas, where Sheridan is led to the lost city of Shambhala. There, Sheridan retrieves the Baton from the top of the Kings Tower and receives a spirit message from an ageless sage who reveals Sheridans true quest: Sheridan must find the three sacred Chintamani Stones that form the base of the baton. If he does this, the Song of Shambhala will be revealed. But he has only until the time of The Sixth Sun to complete the task, or the world will be plunged into darkness. What follows is a world-trekking adventure cast on the backdrop of iconic sacred sites that tells the tale of an inspirational fable woven into the fabric of history and legend.

http://songofshambhala.com/?page_id=8085http://
Books Deals
g: 0 Posted By: bakerastic
Views: 156 Replies: 0 JC Penney has a new coupon for an extra 25% off original, regular, sale and clearance-priced apparel, shoes, accessories, fine jewelry, home, furniture, mattresses and custom blinds and shades. Extra 15% for optical purchases. Good in-store with printed coupon and at jcp.com or phone orders with normal exclusions, dates are August 10 through August 12th. Online code is JCPFRNDS. Link to get the printed coupon is at http://www.jcpenney.com/jsp/browse/marketing/promotion.jsp?pageI...
Home & Garden Deals

JCPenney Coupons
Bose CineMate Series II $429.99 After $50 Manufacturer Discount
Added on : Saturday August 09th 2014 06:00:02 PM
g: 0 Posted By: mikie12345
Views: 33 Replies: 0 Both Costco and Sams Club have the the Bose CineMate Series II Digital Home Theater Speaker System on close out, Both offer free shipping and have limited inventory in some warehouses. Costco also has the Bose Acoustimass 6 Home Theater System bundle with Yamaha receiver for $749. It sounded nice but it's more that I wanted to spend. Sams Club also hasthe Bose Acoustimass 6 Home Theater System bundle but it includes a Pioneer receiver instead.

I set up the CimeMate speaker system at home tonight and am quite happy with the results, an excellent value for what I paid for it. This is replacing a Sony HT-CT260 sound bar that I had purchased last year at Sams club. With the Bose CineMate audio speech is much clearer and audio itself is much richer.

Don't confuse this system with the CineMate GS offering from Sears. That system has an advanced universal remote and Gemstone speakers, and the system is about $100 more.
Home Theater & Audio Deals

Sams Club Coupons
ASUS Z87 Gryphon Motherboard $50 @FRYS YMMV
Added on : Saturday August 09th 2014 04:00:02 PM
g: 0 Posted By: showtime
Views: 201 Replies: 0 These retail around $160. Frys in Burbank had 3 or 4 for $49.90. Good detail if you need a decent mobo right now. YMMV

Computers Deals
My Company doesn't pay my variable bonus at the time of relieving.
Added on : Saturday August 09th 2014 07:00:10 AM
g: -1 Posted By: AjayKumarNanna
Views: 36 Replies: 0 I had a contract of 2 years & after completion of m 1st year My salary was revised to 3,60,000 out of which 3,36,000 was fixed salary & remaining 24000 was variable bonus which would be payed upon the performance of company & individual. My company did well & so do I, But mean while I got very good offer where I have a chance of learning so much while I work, So I resigned here & My notice period was 2 months.

On My last day at company, I had to collect all my certificates & I asked my HR to pay my variable bonus to me, but He denied. He told me that Variable bonus would be paid for only those employees who stay working & on completion of term from the day when my salary got revised to next appraisal date. I'm leaving this company two months earlier than the company appraisal time. But I'm arguing with my HR that this not legal & I have to get my bonus for my work.

I had contacted my ex-colleague who left 1 month back from this company to know whether He got his variable bonus paid. Company paid his bonus to him & we both had our salaries revised on same date, so basically he left 3 months early & he got his bonus, so why cant I ?

I'm feeling very bad, I got feeling like, of my 2 years of service I always worked to make profits to company but now my company is playing with me

I need help, Kindly Please suggest me what to do......
Question Deals
PNC 1% Premium Money Markey Account Issues
Added on : Saturday August 09th 2014 06:00:07 AM
g: 0 Posted By: Bathead12
Views: 27 Replies: 0 Has anyone else had any issues signing up for the PNC Premium Money Market account promotion for 1% guaranteed for 1 year?

I received the following promotion by email and I both called and went into the branch and they said "they don't see this promotion available". Below is the full promotion. They didn't mention that this promotion expired or was not longer available, they just said that have no record of this promotion. Makes no sense and it seems like at best this is bad communication and at worst "bait and switch"

We value our relationship with you. And now you can earn 1.00%* Annual Percentage Yield (APY) guaranteed for 12 months if you open a new Premium Money Market account and maintain a balance of at least $20,000. Remember your account is FDIC insured to the maximum permitted by law.

Earn 1.00%* Annual Percentage Yield (APY) guaranteed for 12months.

Take advantage today! This offer ends 8/29/2014.
Question Deals
g: 0 Posted By: remick
Views: 78 Replies: 1 ULTIMATE Leonardo da Vinci Artwork Collection! 200+ Paintings, Drawings, Inventions, Portraits, Virtual Fine Art Museum
http://www.amazon.com/gp/product/B00A7YP70W

Leonardo da Vinci Artworks!
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Leonardo da Vici was born on 15 April 1452 in the town of Vinci, the illegitimate son of the notary Ser Piero da Vinci and a peasant woman called Caterina. His childhood spent in the Tuscan countryside inspired in him a life-long passion for the observation and depiction of nature.When he was seventeen, he moved to Florence, where his talent for drawing impressed the great master Verrocchio who took him on as a pupil.Leonardo da Vinci worked for such powerful patrons as Ludovico da Sforza, Duke of Milan; Cesare Borgia; Cardinal Giuliano de Medici, brother of Leon X; and for the French king Francois I at Amboise, where he died in 1519.

It has become fashionable to speak of 'Leonardo the artist' and 'Leonardo the scientist' as if he had been some schizophrenic genius torn between two disparate pursuits and therefore rarely, if ever, able to accomplish anything in either. But Leonardo's own contemporaries, though impatient of his volatility, master himself such a dichotomy would have been incomprehensible. To say that as 'a man of the Renaissance' he believed that a painter needed the aid of anatomy, perspective, optics and so forth is not a proper answer. In fact, these alleged 'scientific' studies of Renaissance artists were a fashion confined to a small circle. In any case, Michelangelo and Raphael to name only two outstanding examples - did not share these interests but were great artists nonetheless. Leonardo's inquiries were rooted in his personality, not in some tendency of the age, and many of his notes and drawings having nothing to do with the tasks awaiting painters of his time. They are not a vast store from which to draw raw materials for his art, nor was his art simply a finely distilled compound of observations and imagination.
In fact, many of Leonardo da Vinci's drawings are different from those of his contemporaries and those by artists from any other period. Of course, there are among them rapid sketches from life, portraits, quick notes for compositions, elaborate cartoons, drapery studies, designs for machines, buildings, drawings of plants and animals, anatomical and proportion studies. But it is their nature which is so often peculiar. The plans of buildings grow before our eyes like the cells of some organism, plants appear on the same sheet both in bud and in flower, trees are drawn schematically to demonstrate the principle of growth, there is a drawing of the peaceful Arno valley, and there are the cataclysmic visions of utter physical destruction of the world. The grotesque heads - to call them caricatures is a misnomer - are combinations and variations of human forms creating a morphological sequence of types. The anatomical drawings demonstrate not only the position of muscles and tendons or the bone structure, they also show the embryo in its mother's womb and a bare skull, - the beginning and end of life. All these drawings are concerned not just with the collection of visual data useful to the painter but with the processes of life, with growth and decay, whether in plants, beast, man, or the world at large. The same is true of Leonardo's designs for his various mechanical contrivances which are so often engines of construction or destruction.

Leonardo da Vinci's notes should be considered in the same context. It is perhaps a pity that we have got used to thinking of them as if they had been written in preparation for some comprehensive treatise on painting. But it should be remembered that the huge manuscript known as Trattato della Pittura is not a autograph. It was compiled in the sixteenth century, probably by Francesco Melzi, from no less then eighteen of the original notebooks. The result certainly is a labor of love, but nevertheless this gathering divided into eight chapters is too rigid, too much like a textbook to reveal Leonardo da Vinci's truly dynamic nature...




Ultimate Salvador Dali Collection: Modern Art from the Famous Creator
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Salvador Domingo Felipe Jacinto Dal i Domnech, 1st Marqus de Dal de Pubol (May 11, 1904 January 23, 1989), known as Salvador Dal (Catalan pronunciation: [səɫβəˈo əˈɫi]), was a prominent Spanish surrealist painter born in Figueres, Spain.

Dal was a skilled draftsman, best known for the striking and bizarre images in his surrealist work. His painterly skills are often attributed to the influence of Renaissance masters. His best-known work, The Persistence of Memory, was completed in 1931. Dal's expansive artistic repertoire included film, sculpture, and photography, in collaboration with a range of artists in a variety of media.

Dal attributed his "love of everything that is gilded and excessive, my passion for luxury and my love of oriental clothes" to a self-styled "Arab lineage", claiming that his ancestors were descended from the Moors.

Dal was highly imaginative, and also enjoyed indulging in unusual and grandiose behavior. His eccentric manner and attention-grabbing public actions sometimes drew more attention than his artwork, to the dismay of those who held his work in high esteem, and to the irritation of his critics.

In 1931, Dal painted one of his most famous works, The Persistence of Memory, which introduced a surrealistic image of soft, melting pocket watches. The general interpretation of the work is that the soft watches are a rejection of the assumption that time is rigid or deterministic. This idea is supported by other images in the work, such as the wide expanding landscape, and other limp watches shown being devoured by ants.




Ultimate Tribal Tattoo Designs: Abstract Ideas, Dragon Girls, Art Patterns, Shop Studio, Men and Women, Pictures with Meaning
http://www.amazon.com/Ultimate-Tribal-Tattoo-Designs-Abstract-eb...

900 Amazing Tribal Tattoo Designs 700 X 700!

Tattooing has been practiced for centuries in many cultures, particularly in Asia, and spread throughout the world.[citation needed] The Ainu, an indigenous people of Japan, traditionally had facial tattoos. Today, one can find Atayal of Taiwan, Berbers of Tamazgha (North Africa), Hausa people of Northern Nigeria, Kurdish people in East-Turkey, and Māori of New Zealand with facial tattoos.

Tattooing was widespread among Polynesians and among certain tribal groups in Africa, Borneo, Cambodia, Europe, Japan, the Mentawai Islands, MesoAmerica, New Zealand, North America and South America, the Philippines, and Taiwan. Indeed, the island of Great Britain takes its name from tattooing; Britons translates as "people of the designs", and Picts, the peoples who originally inhabited the northern part of Britain, literally means "the painted people". Despite some taboos surrounding tattooing, the practice continues to be popular in many parts of the world.

Tattooing has been a Eurasian practice at least since Neolithic times. tzi the Iceman, dating from the fourth to fifth millennium BC, was found in the tz valley in the Alps and had some 57 carbon tattoos consisting of simple dots and lines on his lower spine, behind his left knee, and on his right ankle. These tattoos were thought to be a form of healing because of their placement, which resembles acupuncture. Other mummies bearing tattoos and dating from the end of the second millennium BC have been discovered, such as the Mummy of Amunet from ancient Egypt and the mummies at Pazyryk on the Ukok Plateau.

Pre-Christian Germanic, Celtic and other central and northern European tribes were often heavily tattooed, according to surviving accounts. The Picts were famously tattooed (or scarified) with elaborate, war-inspired black or dark blue woad (or possibly copper for the blue tone) designs. Julius Caesar described these tattoos in Book V of his Gallic Wars (54 BC).

Various other cultures have had their own tattoo traditions, ranging from rubbing cuts and other wounds with ashes, to hand-pricking the skin to insert dyes.

Modern tattooing in the Western world has its origins in sixteenth through eighteenth century maritime expeditions, which promoted contact between explorers and the amerindian tribes and Polynesians they encountered. The Polynesian practice, especially, became popular among European sailors, who took the Samoan word tatau to describe the actual tattoo. As sailors traveled abroad and returned home with tattoos inscribed on their bodies, tattoos began to appear in mainstream European, and eventually North American, figurations, as well.

As many tattoos were stimulated by Polynesian and Japanese examples, amateur tattoo artists were in great demand in port cities all over the world, especially by European and American sailors. The first documented professional tattoo artist in the USA was Martin Hildebrandt, a German immigrant who arrived in Boston, Massachusetts in 1846. Between 1861 and 1865, he tattooed soldiers on both sides in the American Civil War. The first documented professional tattooist in Britain was established in Liverpool in the 1870s. Tattooing was an expensive and painful process and by the 1870s had become a mark of wealth for the crowned heads of Europe.
Totally Free Deals
Designer Inspired Eyeshadow Palette ($14.99 was $99.99) @ BelleChic
Added on : Saturday August 09th 2014 04:00:05 AM
g: 0 Posted By: st4rdust
Views: 263 Replies: 0 BelleChic has the Designer Inspired Eyeshadow Paletteon sale for$14.99with free shipping. This palette is a Naked 3 dupe (see attached image).



Shades Include:

Pale neutral pink matte-satin
Pale metallic pink shimmer w/iridescent micro-glitter
Light pinky-peach satin
Light dusty rose matte
Metallic rose shimmer w/silver micro-glitter
Light metallic pinky-copper shimmer w/tonal micro-sparkle
Medium pinky-brown matte
Medium metallic mauve shimmer
Pinky-brown satin
Metallic taupe shimmer w/slight pink shift
Deep taupe-mauve satin
Smoky black matte w/rosy red micro-sparkle

Makeup Deals

BelleChic Coupons
California Rental Issue - Update
Added on : Friday August 08th 2014 03:00:05 PM
g: 0 Posted By: coolcomp
Views: 1840 Replies: 62 Hi,
Me and 2 of my friends were staying at a 3bdrm apartment for about 1.5 years. We were initially staying at one of the other units in the same complex for about 2 years and then moved to this place. We noticed bedbugs after about a year in the new place, but it was too less and we did not think too much about it. We applied some pest control powders on our own and it was under control.

When we were moving out, we informed them a month in advance as specified in the agreement. And there was a move-out inspection 1 week before we were vacating. They noticed bugs and indicated that they would need to do a treatment and asked us to vacate 3 days before our lease ended. We anyways had our new apts ready and we moved on. After about 1 month 10 days, we received a itemized bill as:
Heat Treatment for Bed bugs: 2600
Dry Ice trap supplies for bed bugs: 176.5
Apartment Cleaning: 245
Carpet Replacement: 442.4
Paint and Paint supplies: 270.12
Final Billing for NWP: 56.46
NWP: 58.33
NWP: 56.07
Missing Garage key: 50

Some more details:
1) The apartment is managed by a well established company
2) State of California
3) We have not violated any part of the lease agreement

Our question, According to California rental laws, it is the landlord's responsibility to keep the house habitable "Before renting a rental unit to a tenant, a landlord must make the unit fit to live in, or habitable. Additionally, while the unit is being rented, the landlord must repair problems that make the rental unit unfit to live in, or uninhabitable"
So bedbugs are the landlord's responsibility. Will it be against us, that we did not inform earlier?


according to the lease, we had to inform we will vacate one month in advance. We planned for moved out on June 30.

May 31: Informed we will move out
June 18: Move-out inspection
June 19: 2 emails, 1st email saying everything looks fine except for
Heavy Apartment Clean
Full Paint and Paint/Paint Supplies
Carpet Replacement
Second email saying about infestation and that they would do the treatment

Aug 5: Email saying " A letter/estimate of charges was previously sent to your address after the pest control treatment. I wanted to send you the attached, updated, Itemized Disposition which includes the treatment for the bed bugs. As a reminder, a final letter will be sent to conclude your account once we have confirmation from the pest control company that we are good to go and no bed bugs are alive/present."

We have not received any estimate of charges at our address.
Question Deals
extended warranty question
Added on : Friday August 08th 2014 01:00:05 PM
g: 0 Posted By: dcmorrin
Views: 89 Replies: 1 I bought an extended warranty for a new vehicle in 2010(4.5 years ago). I had them add a rider that pays me back if the warranty is never used. The vehicle has been totaled in an accident and the warranty has not been used.

Can/Should I contact the dealer and see if I can get repaid now? Should I wait?


Question Deals
advice on clearing title
Added on : Friday August 08th 2014 10:00:13 AM
g: 0 Posted By: wavedweller
Views: 109 Replies: 1 I bought an old truck recently...a 86 ford...and when I tried to get a tag it was rejected because the seller hadn't got a title in his name, neither used a dealer . Turns out neither did the guy who sold it to him. Is there any way to clear this up without trying to find the original owner?
Question Deals
Lifetime 7' x 7' Storage Shed $534.73 AC YMMV at Lowes.com
Added on : Friday August 08th 2014 08:00:03 AM
g: 0 Posted By: DDoubleyou
Views: 178 Replies: 0 Link


Price shows $699.00, but if they have it in your area the price drops to $594.15 then use code 470000000021460 for an extra 10% off..

As of posting 1 available in Saratoga Springs, NY Zip 12866.. Spot checked a few areas such as 02134 and found some stores also had it..

Great price on a decent sized shed...


Home & Garden Deals

Lowe's Coupons
SimpleHuman Sensor Mirror $119 at Amazon (normally $190)
Added on : Friday August 08th 2014 04:00:05 AM
g: 0 Posted By: Crank
Views: 231 Replies: 0 Had a price alert set up for this lighted, magnified mirror - huge drop today, so I ordered one.
Regularly sells for about $190, reduced to $119 today.
Countertop model only - wall mounted is still ~$170.

Enjoy:

SimpleHuman Mirror
Home & Garden Deals

Amazon Coupons
Discover $100 cashback, targeted
Added on : Friday August 08th 2014 02:00:01 AM
g: 0 Posted By: drzeyas
Views: 270 Replies: 0 I hadn't used my card in about 5 months and yesterday received a benign-looking envelope that I dont think even said "discover" on it, containing instructions to log in or phone to activate the promo below:
===============================================================================================================================================
Here's how you can earn the extra $100 CashBack BonusEnroll by September 1, 2014 and make a minimum $1,000 in purchases by October 31, 2014. Discover is not responsible for merchant delays in processing transactions. This offer is in addition to the CashBack Bonus you already earn on purchases with your Discover card. Rewards are added to your CashBack Bonus account within 8 weeks of October 31, 2014. If you need more information on this offer, please call 1-800-Discover.Here's how you earn CashBack Bonus on every purchase You can earn 5% CashBack Bonus on category purchases up to the total purchase dollar amount specified in each program. Categories change throughout the year every three months and include movies, gas and restaurants. You must sign up for each 5% program.
You automatically earn 1% CashBack Bonus on all your other purchases after your first $3,000 in qualifying annual purchases. Your first $3,000 in qualifying annual purchases and warehouse purchases earn 0.25%.
You can also earn 5% to 20% CashBack Bonus at top online retailers through our exclusive online shopping mall, ShopDiscover.com.Reasons why your CashBack Bonus account will be forfeitedYour CashBack Bonus rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make any Minimum Payment Due for two consecutive billing periods, any CashBack Bonus in your CashBack Bonus account will be forfeited.International purchases under this offerInternational transactions are qualifying purchases under this offer. For a full list of countries where you can use your Discover card, visit Discover.com/international.Transactions that do not qualify under this offerBalance Transfers, Cash Advances or Cash Over are not qualifying transactions under this offer.
==================================================================================================================================So this is 10% CashBack if proceeding to the legit way as described above. Not too shabby, considering that we've all seen better promos from other credit cards over the past year compared to their quarterly 5% CashBack promos. If you have multiple discover cards that you haven't been using, good luck!


Services Deals

Discover Card Coupons
Methodology used to calculate FICO scores changing
Added on : Thursday August 07th 2014 08:00:04 PM
g: 0 Posted By: brettdoyle
Views: 67 Replies: 0 A change in how the most widely used credit score in the U.S. is tallied will likely make it easier for tens of millions of Americans to get loans.

Fair Isaac Corp. FICO -1.19% said Thursday that it will stop including in its FICO credit-score calculations any record of a consumer failing to pay a bill if the bill has been paid or settled with a collection agency. The San Jose, Calif., company also will give less weight to unpaid medical bills that are with a collection agency.

The moves follow months of discussions with lenders and the Consumer Financial Protection Bureau aimed at boosting lending without creating more credit risk. Since the recession, many lenders have approved only the best borrowers, usually those with few or no blemishes on their credit report.

As of July, about 64.3 million consumers in the U.S. had a medical collection on their credit report, according to data from credit bureau Experian. And of the 106.5 million consumers with a collection on their report, 9.4 million had no balanceand won't be penalized under the new credit-score system.

FICO Recalibrates Its Credit Scores

Interesting... looks like lenders are running out of people to loan money to and reaching into the bottom of the barrel.

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
Credit Deals
HOT: $200 credit per line if you get Verizon Wireless and have FIOS
Added on : Thursday August 07th 2014 02:00:06 PM
g: 0 Posted By: descriminator
Views: 298 Replies: 3 I switched to verizon wireless and had FIOS already. Earned $200 per line on 4 lines = $800 of free money (verizon credit) after 2 months.

I'd say its a deal Thumbs up if you earn $

http://morewithverizon.com/

Good luck and have fun!

EDIT: Forgot to mention, combine your FIOS and wireless bill, get $10/mo discount. Call FIOS support to get that setup. Enjoy.

EDIT 2: New lines only. Northeast-ish
Services Deals

Verizon Wireless Coupons
Anyone have any luck with Credit Unions?
Added on : Thursday August 07th 2014 05:00:09 AM
g: 0 Posted By: timgodsil
Views: 113 Replies: 7 Right now I'm banking with BOA, but after the stunt they pulled trying to charge people $5 to use debit cards, and getting fined and sued lately, I don't want to do business with them.

My friend currently has a credit union and loves it. So I looked and found 4 CU's with open membership. DCU, Alliant, Consumers, and Lake Michigan. I applied for membership with all 4 on a Monday afternoon.

Consumers immediately denied for credit score. Even though Credit Unions say it's easy to switch, they have harsher credit requirements than banks who have little if any.

DCU wanted me to fax in a copy of my ID, and then after waiting another 2 days said "We can't identify you, you will get a letter in the mail", and then hung up on me.

Still waiting 3 days now on Lake Michigan and Alliant.

You wouldn't think it would take 72 hours to open an account, especially since I done it online. Bank of America had me an account within 6 hours.



Deposits Deals
Penfed - draw on heloc then apply for hel to pay down?
Added on : Thursday August 07th 2014 05:00:09 AM
g: 0 Posted By: Galun000
Views: 73 Replies: 0 I have an undrawn penfed 5/5 heloc with the 3.75% minimum rate floor. If I were to draw on it, can I then get a home equity loan from penfed to pay down the heloc principal balance? With 15 year at 3.99%, with no minimum 2% payment, I think it's a fair trade off. I called penfed and got different answers. One checked with the supervisor and said yes if the new HEL pass underwriting independently. One said not sure, apply online to find out. One said probably. Anyways, just wondering if anybody here had done something similar. Thanks.
Personal Finance Deals
You'll Be Rich in the Military - in Ways You Don't Think
Added on : Wednesday August 06th 2014 11:00:09 PM
g: 0 Posted By: rachelmark7922
Views: 79 Replies: 0 I hear "You'll never be rich being in the military" all the time, from lower enlisted to command level officers. The military perpetuates the mentality that we don't make that much money. I'd like to argue that we do make a lot, and that the military is an incredible steppingstone to the middle class.

When I got shipped off to boot camp, I was making about $400 every two weeks. I always thought to myself how much more I had made in the civilian world. But I wasn't taking into account what didn't show up in my paycheck. Here are 10 big financial benefits of serving in the military:

Training. Depending on your service and military occupational specialty, you'll get up to two years of training before reaching your first duty station. Much of this training translates straight into college credits -- and it looks great on a rsum.
Retirement. The military is one of the last employers in America to offer retirement plans. After serving a mere 20 years, service members can choose to separate with 50 percent of their base pay every month for the rest of their lives. If they're eligible, they can stay up to 30 years to receive 75 percent of their base pay, and high-grade officers can retire with 40 years to receive 100 percent.
Health care. While serving on active duty, service members and their families (spouse and children) will have free health care through Tricare so they are in the peak physical and medical condition they need for their jobs.
Dental. Dental is free for service members, because good oral hygiene is necessary to maintain a deployable status.
Commissary. The commissary is pretty much just an enormous grocery store, with better-than-WalMart (WMT) prices (most of the time). They also have enormous "lot sales" every so often where they have blowout prices of stuff you actually want.
Basic Allowance for Housing. When you're a low enlisted rank, they'll stick you in the barracks (or dorms in the Air Force). The barracks, as terrible as they may seem at the time, save you so much money it's incredible. Typically, they're in the same parking lot as your workplace, so the commute is eliminated. Utilities are included, too. And you don't need to write a check for rent and worry that you won't have enough money, because the basic allowance for housing is granted to all military members. The allowance also gives you the ability to rent a house off-base or to use base housing.
Tuition assistance. Depending on your branch of service, you could be eligible for up to $4,500 per year toward college classes. By taking full advantage of this, you could have an associates's degree in one enlistment and a bachelor's in two. And don't forget that you could earn college credit for your training through the College-Level Examination Program or Defense Activity for Non-Traditional Education Support.
The GI Bill. Typically used after separation, the GI Bill allows you to go to college at no extra cost to you. During the first year of your service, you will pay $100 per month toward the GI Bill. After that, you owe nothing. Service members can choose among two versions (the Montgomery GI Bill and the Post 9/11 GI Bill), and there is a way to get a few extra free credit hours if you switch between them in a specific way. It's also transferable to your spouse or children, although you need to serve at least four extra years after the election has been made.
Thrift Savings Plan. If a pension plan wasn't enough, military members have access to the retirement savings plan, with a traditional and Roth option. It bases allocations on stock indexes and has extremely low operating costs -- read: very, very low expense ratios.
Veterans Affairs loans. VA loans resemble Federal Housing Administration loans -- with a few awesome advantages. These include no down payment and no mortgage insurance requirement. They also usually let you have access to the best current rates available. And you maintain this benefit for life. Married to another service member? Then you each get your own VA loan to use.
Other benefits include military discounts (thank you business owners!), networking (you'll meet hundreds, if not thousands of people during your tour), experience (management and occupational), VA benefits and free simple income tax filings.

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

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

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

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

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

Thank you for reading.
Question Deals
Paradise Beach Club Vacations screwed me at the last minute
Added on : Wednesday August 06th 2014 10:00:08 AM
g: 0 Posted By: jonle
Views: 69 Replies: 0 On Dec 3rd, 2013 I booked a 2 bedroom condo at Wyndham Waikiki Beach Walk via VBRO - Paradise Beach Club Vacations. I paid $1895 for rental from 8/12-8/19 2014.
On 7/27 I received an email fromPBCV with topic "Regarding prior notices - 3rd and final email" with the below content:
On Sun, Jul 27, 2014 at 7:57 AM, vrbo 332900<vrbo332900@gmail.com>wrote:
Dear Guest, This is our final notice to you regarding your reservation. We have sent you 2 attempts to contact you regarding your reservation.We are advising all our guests that due to circumstances beyond our control that have just recently arisen. We are not able to provide to you the accommodations that you have reserved in Hawaii. We sincerely apologize, however we can provide you California, Florida and or Mexico. We realize that this could be a inconvenience to you. For some of you this may be coming at a late date. . We will be sending within the next 30 days a refund voucher that you will be able to use with available dates for these locations for your future travel.Obviously if Hawaii is your only destination then you do have the choice of cancelling this reservation through your credit card company. (please contact them directly if this is your choice )Please contact us by email if you would like to rebook for one of the above listed locations.Again our sincere apologiesThank youCustomer Service Department

I have been calling and emailing demanding a full refund but PBCV insist on issuing me a voucher which expire in 1 year.
What can I do to get full refund? I had a contract signed with PBCV to book the 2 bedrooms.

Below are the corresponding emails:
Dear Jon
As the email states there was a issue, but we have sent everyone notices. Please let me know
as to a location that we can plan a future date for. Again we can rebook you for one of the locations listed in the prior emails
Jeff
Customer service

Dear Jon, I understand you just called I tried to pick up the line but lost you. From what I understood you have not received or understand instructions regarding your reservation. As it states in the prior email as well as notices sent. That if Hawaii is your only destination and you are choosing not to accept the refund voucher for accommodations. We would like to accommodate you in one of our places that were offered. We do not understand as why you are responding at such a late dates as this was the 3rd notice for refund. As it stated in the original reservation on of the terms that was stated is to buy trip insurance, if you did please contact your instance company. Or please alert me to a destination as per the email that was sent to you for a future location and date.
Please respond by email.
Thank you Jeff

http://www.tripadvisor.com/ShowTopic-g60982-i38-k7171324-Paradis...

Jeff,
Had I received any of the prior notices, I would've acted right away
like right now with this serious matter. How can anyone overlook at
such issue when my vacation had been ruined before it even started?
I really need the money credit back to me, because I can't make
payment on my credit card with this new balance. I had to frantically
booked for 2 rooms at an outrageous price with such short notice and
peek season. That's why we planned ahead and booked ahead back in Dec
'13.
Also, my family does not take a vacation every year, we can only
afford every other year to travel far.
Please understand my situation, your company had held on to my payment
for the last 8 months and had not delivered based on the contract.

Regards,

Jon Le





Discussion Deals
g: 0 Posted By: vnuts21
Views: 133 Replies: 4 We stayed at a hotel over the weekend and had an incident where the toilet broke, causing the room to flood (the toilet tank shattered). We weren't doing anything unusual in the bathroom, and I believe it may have been due to the tank having a crack, and then finally giving way when I sat down on the toilet. However, I have no proof of any of this.

The hotel is charging us $300, which seems high to me due to the relative cheap cost of a replacement toilet, and the fact that the damage was not willful. The hotel also mentioned that the room cannot be sold until repairs are made (understandable), so perhaps some of the damages are a result of this. However, similar to rental cars - is the hotel required to prove that the room would have otherwise been rented out? Is the hotel required to provide invoices for repair estimates?
Question Deals
California Rental Issue
Added on : Tuesday August 05th 2014 11:00:08 AM
g: -4 Posted By: coolcomp
Views: 161 Replies: 2 Hi,
Me and 2 of my friends were staying at a 3bdrm apartment for about 1.5 years. We were initially staying at one of the other units in the same complex for about 2 years and then moved to this place. We noticed bedbugs after about a year in the new place, but it was too less and we did not think too much about it. We applied some pest control powders on our own and it was under control.

When we were moving out, we informed them a month in advance as specified in the agreement. And there was a move-out inspection 1 week before we were vacating. They noticed bugs and indicated that they would need to do a treatment and asked us to vacate 3 days before our lease ended. We anyways had our new apts ready and we moved on. After about 1 month 10 days, we received a itemized bill as:
Heat Treatment for Bed bugs: 2600
Dry Ice trap supplies for bed bugs: 176.5
Apartment Cleaning: 245
Carpet Replacement: 442.4
Paint and Paint supplies: 270.12
Final Billing for NWP: 56.46
NWP: 58.33
NWP: 56.07
Missing Garage key: 50

Some more details:
1) The apartment is managed by a well established company
2) State of California
3) We have not violated any part of the lease agreement

Our question, According to California rental laws, it is the landlord's responsibility to keep the house habitable "Before renting a rental unit to a tenant, a landlord must make the unit fit to live in, or habitable. Additionally, while the unit is being rented, the landlord must repair problems that make the rental unit unfit to live in, or uninhabitable"
So bedbugs are the landlord's responsibility. Will it be against us, that we did not inform earlier?
Question Deals
California Rental Issue
Added on : Tuesday August 05th 2014 11:00:07 AM
g: 0 Posted By: coolcomp
Views: 61 Replies: 3 Hi,
Me and 2 of my friends were staying at a 3bdrm apartment for about 1.5 years. We were initially staying at one of the other units in the same complex for about 2 years and then moved to this place. We noticed bedbugs after about a year in the new place, but it was too less and we did not think too much about it. We applied some pest control powders on our own and it was under control.

When we were moving out, we informed them a month in advance as specified in the agreement. And there was a move-out inspection 1 week before we were vacating. They noticed bugs and indicated that they would need to do a treatment and asked us to vacate 3 days before our lease ended. We anyways had our new apts ready and we moved on. After about 1 month 10 days, we received a itemized bill as:
Heat Treatment for Bed bugs: 2600
Dry Ice trap supplies for bed bugs: 176.5
Apartment Cleaning: 245
Carpet Replacement: 442.4
Paint and Paint supplies: 270.12
Final Billing for NWP: 56.46
NWP: 58.33
NWP: 56.07
Missing Garage key: 50

Some more details:
1) The apartment is managed by a well established company
2) State of California
3) We have not violated any part of the lease agreement

Our question, According to California rental laws, it is the landlord's responsibility to keep the house habitable "Before renting a rental unit to a tenant, a landlord must make the unit fit to live in, or habitable. Additionally, while the unit is being rented, the landlord must repair problems that make the rental unit unfit to live in, or uninhabitable"
So bedbugs are the landlord's responsibility. Will it be against us, that we did not inform earlier?
Question Deals
g: 0 Posted By: PowerPuffDaddie
Views: 81 Replies: 0 Description:

The DeWalt 12 in. Double Beveling Sliding Compound Miter Saw (DWS780) combines smooth operation with top speed to help you work faster, safer and more productively

Powerful 15 amp motor reaches 3,800 RPM speed for fast, efficient cutting
High-grade carbide blade provides an ultra-sharp cutting edge that handles a variety of materials
Miter detent plate is made of durable stainless steel with 10 positive stops to enhance accuracy and productivity
Integrated XPS system allows cross cut positioning and line indication for improved visibility precision
Tall sliding fences slides out of the way to allow bevel cuts and vertical base and crown mouldings
Efficient dust collection system collects over 75% of dust for cleaner operation
Unique back fence design cuts 2x16 and 2x12 lumber at 90 and 45 degrees respectively
Comes with vertical clamp and blade wrench

Here's the Deal:
Your local Sears is closing out the DWS780 model, usually priced $599.99. Closeout price is $419.93.
Confirm local stock using the SearsOutlet Website(DO NOT ORDER FROM SearsOutlet) - they should be new in box (NIB).
The additional savings is that coupons, that would not usually work with a closeout item, will work with this one.
If you have signed up for the texted SYW coupons, then go to this website: http://shc.cpn2c.co/RecomService/web/zdto (hopefully) receive your "Members Only - 20% Off With a $100 or More Tools Purchase Expires On 08/10/2014" coupon.
If you have the coupon, use it and any SYW points you have to buy the DWS780 in your local Sears store.

I was able to order a unit for store delivery, since the store only had the display model - this may be an option for you.

This is the DWS780 model, do not confuse it for the DWS782 model that goes for $399 and complain about the price.

Good luck.
Thanks.

Tools Deals
2001 Chrysler Town and Country failed smog test in CA. Advice?
Added on : Monday August 04th 2014 05:00:09 PM
g: 0 Posted By: vikasdua
Views: 171 Replies: 2 !!!!!THIS IS MY FIRST POST AND I HOPE I AM PUTTING IT IN THE RIGHT SECTION. IF NOT, APOLOGIZE IN ADVANCE.!!!!!

Background:
I have a 2001 Chrysler Town and Country that I brought used from a private party in Oct 2010. While I was inspecting the car, the engine light was on (code: P072 which means engine running rich). The owner replaced 2 oxygen sensors and showed me the receipt of the work done and I bought the car in 2010. I bought this car using craigslist and paid cash for the car. Ever since I drove the mini van from the sellers house it has been having intermittent issues with the engine light (same error code). Over the years I have tried to get this issue fixed and spend about $1000/- but was never able to resolve the issue. The last time I had to do a smog i.e in 2012 I was lucky that the engine light was off and the van passed smog.

Current Situation
The smog check was due and when I was getting the smog test the engine light came on with the same code (P072) and the car failed smog. I decided to try my luck and took it to Big O tires to try and fix it and they replaced another oxygen sensor that cost me $273/- but the problem came back.

Question:
I cannot sell it to a private party in CA without passing the SMOG test. The KBB value for the van is between $2800-$3300. I have an appointment with Big O Tires on Friday for them to try and diagnose the problem and I have a strong feeling that they will recommend replacing something else that will cost me more money but will not eliminate the problem.

What do you guys recommend? Try my luck and change another part OR donate it and get a tax write off OR sell it for parts?




Question Deals
US Bank credit card giving me hard time disputing the charge
Added on : Monday August 04th 2014 09:00:09 AM
g: -1 Posted By: diamente
Views: 164 Replies: 5 I have the American Humane Association credit card issued by US Bank.link
I have never had a credit card issuer deny my dispute or give me such a hard time over disputes. The only reason I am using US Bank credit card is because Human Society is getting the benefit.

I took the greyhound bus from LA to SF and the bus was 3 hours late. I filed dispute saying the quality was not there and the service was not received. US Bank saying I did take the bus and the service was received. Greyhound couldn't guarantee me that I would be on time. I understood if it were 30 minutes late but not 3 hours late. I had to be at my customer early in the morning, and I could had lost my job over it.

I got a letter from US Bank and called them and spoke to their CSR and to their supervisor. Their response is the service was received, and they had to follow VISA regulation over dispute. I asked them to e-mail or mail me the VISA dispute regulation. They told me they couldn't do that but I could go online and search for them. I told them the quality was not there but they told me service was received.

Do I have a case for dispute? The amount is $45.
Why is US Bank giving me such a hard time when other credit card companies like Chase, Citi, Bank of America would give me credits right away and stand behind their customers?



Credit Deals
g: 0 Posted By: CapEx
Views: 184 Replies: 7 Hey All

I'll try to sum this up quickly as I can. I was on a flight, that due to a weather diversion, caused me to misconnect late at night and required a night's stay at the airport hotel. I'm trying to successfully file a claim on my Chase MileagePlus card for Travel Interruption coverage. This trip was originally booked with SGN as the destination (purchased with my eligible card) and changed over to DXB (change fee and additional airfare also paid with the eligible card). I have provided all the requested information to card benefit services (which I believe is an affiliate of Visa), such as the hotel statement, the credit card statement showing the purchase, and the intinerary to DXB.

The issue is arising from the fact that:
1. They keep requesting the original itinerary to SGN, which doesn't exist anymore as United changed it over to DXB
2. A letter from United explaining that there was a delay

I have called United several times and sent requests to apparently the junkmail box (delayletters@united.com) but can't seem to get any written documentation from United directly (although there are numerous other sources I could provide to prove the flight was indeed delayed which are not acceptable to card benefit services). In addition it's impossible to get the original itinerary to SGN. Card member services has been beyond unhelpful, simply retelling me what the 'claims officer' is requesting for my file and refusing to let me talked to a claims officer or a manager.

I've exhausted a lot of time and effort going back and forth. I've even called Chase to see if they had any ability to move this along, but they confirmed card benefit services is a contracted 3rd party used to deal with the insurance coverage provided by the card. It seems a little fraudulent to provide an insurance coverage in which a claim is nearly impossible to prove to receive coverage.

At this point, what are my options? Get an exec's email/phone number? Small claims and hope a company lawyer calls to settle?
Personal Finance Deals
Nationwide Bank $200 E-Checking Bonus available nationwide
Added on : Monday August 04th 2014 04:00:05 AM
g: 0 Posted By: BonusMeister
Views: 36 Replies: 0 I hadn't seen this posted here yet so thought I would share. This is a pretty easy deal. No hard pull, cannot fund with a credit card but minimum opening deposit is only $50.

You must receive $200 monthly deposit, 90 days after opening your account will be reviewed and the bonus will be posted within 2 weeks after that. $8 monthly maintenance fee can be avoided with a monthly DD of $25 or more OR a $10,000 daily balance.

http://www.nationwide.com/sem/nf-echecking-information.html

*How to receive the bonus: To get your $200, open a new E-Checking account by 1/12/2015 with a $50 minimum balance using offer code 02106460, then set up an automatic monthly direct deposit of at least $200 into your E-Checking account. The monthly direct deposit of $200 must be received within 60 days of opening the account. The account must remain open for at least 90 days to receive the $200 bonus. The $200 bonus will be deposited into your new account within 2 weeks following the 90 day minimum requirement. This $200 bonus offer is limited to one per household and is not available to existing checking customers. Nationwide Bank reserves the right to withdraw any offer at anytime.
Deposits Deals
g: 0 Posted By: remick
Views: 64 Replies: 0 http://www.amazon.com/gp/product/B00K95XH42

The Final Encounter (Complete Collection: 5 Books Full Series Bundle)



Short storyline



Book One: The Iron Axe


The pickaxe missed the creeper by a mile, and instead slammed into the tunnel floor. Cracks formed in the floor, and it fell away, taking the creeper with it down, down, into the red lava. It sizzled angrily as it fell, and vanished into the molten lake. Karl now stood on a single rock overhanging the lava lake. He wobbled, and jumped forward, grabbing the opposite ledge and hauling himself up safely.

This was the first time he had ever seen lava, and hoped it was the last. Now that he'd found the source of light, he knew he had to go further in order to find a route back upwards. However, the pickaxe gave him an idea. He turned to the wall of rock above him and started chipping at the rock with his pickaxe. It was slow work, but the steps he carved were worth the effort.

Soon Karl stood back on the first level below ground. This time, he was on the other side of the water that rushed over the path. He continued on eastward toward the unknown.


Book Two: Spiderbane


The black spindly monster edged closer, and stood tall above him. He looked up into its eyes, and felt as if his willpower were draining away into a dreamlike state. He shook his head to clear it, and swung at the creature with Spiderbane. The sword split the air where the monster had stood a moment before, and the cooing came directly from behind him.


Book Three: The Sword of Power


Zombies were around Karl as he staggered and fell forward. Arrows zipped overhead, punching three zombies in the chest and sending them back into the shadows of the chamber. Sparks flew and the smell of ozone filled the room as the caged chaos spawner lit up and spun wildly. Two more zombies appeared from nowhere, and this time lunged at Ruby as she was nocking another arrow. The first zombie swung wildly, and she dodged deftly, rolling to the side. The second zombie however swung low, and caught her in the side. Breath whooshed from her lungs as she rolled across the floor.


Book Four: The Nether Crown


Ruby was on the offense immediately. She unslung her magical bow, and nocked an arrow. She released the arrow just as the ghast belched forth a great fireball at them. The arrow caught the fireball, and spun it back at the ghast, but not before the arrow pierced the ghast's mouth as well. The ghast shuddered in mid air, and then the fireball hit, exploding around it with such ferocity, that nothing of the ghast remained to be seen.


Book Five: Return to Power


The zombie golems clashed with the spiders. Webs spun around several zombie golems, immobilizing them until they fell to the ground. The spiders set in upon the prone golems, and bit through the gold wires. The number of zombie golems slowly shrunk, and Tobin gestured wildly as he commanded the to attack. Three golems piled on one spider, and pulled it to the ground screeching as it fell beneath their undead fists.

The large cave spider and its rider, waited for the last dark spider to fall beneath the fists of the zombie golems. Then, it marched forward, all eight legs carved holes in the sand as it walked. Tobin and Karl stood side by side as the giant cave spider approached. Two zombie golems remained from the initial onslaught, and they shambled towards the giant cave spider and its rider. A large diamond blade, like a claymore, swept down from the top of the spider, and severed both zombie golems. They fell immediately, and Tobin's redstone light illuminated the rider as it strode into their campsite.

The rider was a squat elf, and wore a suit of dark chainmail armor. He glared at them over the saddle on the spider. He removed his helmet, and stepped down from the giant cave spider.
Totally Free Deals
HP - Pavilion 21.5" IPS LED HD Monitor $129.99 w/FS @ Best Buy
Added on : Sunday August 03rd 2014 08:00:04 PM
g: 0 Posted By: ctgolfer
Views: 122 Replies: 0 Ultrafast 7 ms response time
Allows pixels to change colors quickly to avoid streaking, blurring and ghosting in fast-moving scenes and video games.
21.5" LED-backlit display
Features a microthin, bezel-less design and includes a detachable easel stand for versatile placement options. Mercury-free backlighting and arsenic-free glass ensure safe use.
5,000,000:1 dynamic contrast ratio
Provides a high number of shades between black and white. This range enables accurate color reproduction when displaying images with extreme differences between light and dark for excellent picture quality.
250 cd/m brightness
For a highly visible display and clear on-screen images.
1920 x 1080 maximum resolution
Offers the highest number of pixels available for a full high-definition display.
178 horizontal and vertical viewing angles
Along with -5 to 25 tilt capability let you clearly see the screen from multiple vantage points.
VGA, DVI and HDMI with HDCP inputs
Enable connection of both digital and analog devices.
HP Enhance technology
Delivers super-crisp images and advanced noise reduction to bring your media to life.
HP My Display software
Lets you partition your screen, so that multiple application windows can be open at the same time, and allows you to save user-preferred settings for quick and easy start-up.
IPS (In-Plane Switching)
Provides a high level of color fidelity to ensure accurate image and color reproductions.
On-screen user controls
Include brightness, contrast, color, image control, OSD control, management, language and more, so you can make quick adjustments. Ten user-programmable modes allow customizable use.
Plug-and-play design
Enables simple setup of multiple monitors (additional monitors not included).

www.bestbuy.com/site/hp-pavilion-21-5-ips-led-hd-monitor/7294042...
Monitors Deals

Best Buy Coupons
HP - Pavilion 25" IPS LED HD Monitor $199.99 w/FS @ Best Buy
Added on : Sunday August 03rd 2014 06:00:03 PM
g: 0 Posted By: ctgolfer
Views: 86 Replies: 0 25" flat-panel LED-backlit widescreen display
With a thin, bezel-free design helps you maximize your workspace.
5,000,000:1 dynamic contrast ratio
Delivers accurate color reproduction with a high number of shades between black and white.
250 cd/m brightness
Ensures on-screen clarity and a high level of visibility.
1920 x 1080 resolution at 60Hz
Offers arresting high-definition images with precise detail.
178 vertical and horizontal viewing angles
Allow clear viewing from a wide range of vantage points.
Digital (DVI-D, HDMI) and standard analog VGA inputs
Let you connect both digital and analog devices.
IPS technology
Preserves colors and detail for a rich, vibrant display.
Preinstalled HP My Display Smart software
Allows enhanced control over a wide range of display settings.

www.bestbuy.com/site/hp-pavilion-25-ips-led-hd-monitor/7295041.p...
Monitors Deals

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

Some specifics about my financial situation:

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

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

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

Edit: A few more details:

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

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

I have no idea what kind of benefits I would be entitled to through SSA/SSI. Does anyone know how I can figure that out?
Discussion Deals
Aluminum Commercial Stack Chaise Lounge at Sam's $46.81 YMMV
Added on : Sunday August 03rd 2014 03:00:02 PM
g: 0 Posted By: Brew
Views: 123 Replies: 0 My wife has been watching these chase lounge chairs at Sam's all summer. They are normally $120, but if you order on line and pick up in store, the price can be much lower. For giggles I checked the chairs online last night and they were out of stock at my closest Sam's, but when I checked a few more stores, a few had them in stock for as low as $46.81. One store had them for $70, one for $99.

So, a big YMMV, but worth checking the link and check all the local stores in your area. When we went to the store, they were still priced at $120, but had zero issues grabbing a couple and paying the $46.xx from my online receipt. Seem to be pretty good quality, and the reviews are very good. But one negative was that the chairs rub on each other and wear through the paint. We did have this problem with ours, but we aren't too concerned. They are aluminum, so lightweight and no concern about rust. For those in my area, Bloomington, MN had a bunch on hand for the $46.xx, Fridley, MN has them for $48.xx, in stock in a few others, but more expensive. You need to order online and pick up in store, to get the price. You don't pay until you pick up.

http://www.samsclub.com/sams/alum-sling-chaise/prod11740023.ip?s...
Furniture Deals

Sams Club Coupons
g: 0 Posted By: MoogLiberation
Views: 127 Replies: 6 I'm in a unique situation and wanted to get your advice on what I should be doing financially. I have my own ideas but I'll keep that to myself right now because I want to hear your unbiased suggestions. I'm 30 years old and was diagnosed with an inoperable brain tumor in November. I haven't been given any kind of definitive prognosis, but for those that don't know, there isn't a cure for brain cancer and I've been told a pretty wide range in regards to prognosis that ranges anywhere from a few years up to 30 years (thankfully my biopsy results showed that it is very slow growing, so there is some hope). Anyways, here's a few other details about me: I live (rent) in NYC so the cost of living is pretty high. I'm on a commission based salary so it's hard to give an exact figure, but let's say I'm making about $120k/year. I got married last year and don't currently have any kids although they are in the near term plans. Also, I didn't have a life insurance policy before aside from the one I have through my work that is only equal to 1X my salary. There is an option to ramp that up as high as 8X my salary, but I couldn't do that until open enrollment in the fall and I don't even know if I would be able to do that now given my diagnosis. I'd love to hear of any other ideas you may have regarding life insurance though.

Some specifics about my financial situation:

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

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

I'd be grateful for any and all ideas. Thanks guys.
Discussion Deals
Nintendoland Wii U w/ Luigi Remote Plus $29.99 Best Buy
Added on : Sunday August 03rd 2014 08:00:03 AM
g: 0 Posted By: mike96sc2
Views: 247 Replies: 0 A couple weeks back Best Buy had a daily deal on this for $39.99, I missed the deal and didn't get one.

Fast forward to today, I'm in my local store and I see it on the shelf on clearance for $42.xx. I decide to bite and then when I get to the checkout it rings up as $29.99. Cashier told me staff at the local store doesn't do a good job of keeping the current pricing on the shelf and that it was probably $29.99 everywhere.

BBY.com shows none in stock in my area, but I found about a dozen copies on the shelf, so I wouldn't trust their inventory checker.

Happy Hunting.
Wii U Deals

Best Buy Coupons
g: 0 Posted By: jskins
Views: 111 Replies: 0 ULTA 58-pc. Link to Beauty Blockbuster Set - $16.49 with coupon code205836 + free shipping on $50+ (or $5.95) at Ulta. 4.2/5 stars based on 41 customer reviews.

Set Includes:

48 Eye Shadow Shades
4 Blush Shades
2 Super Shiny Lip Glosses
4 Dual Ended Eye Liners

Makeup Deals

ULTA Coupons
Credit Inquires and credit score
Added on : Sunday August 03rd 2014 04:00:05 AM
g: 0 Posted By: weic6928
Views: 123 Replies: 2 Over the past 18 months I've refinanced my home loan, started a business, and also looked into a new mortgage loan (but didn't go through). As a result, I have alot of credit inquiries on my credit report.

Credit Karma now allows you to see the details of your credit inquiries, and I've noticed that the inquiries are not coming off until they are 2 years old. I had thought it would be one year? Can anyone offer any thoughts on this? This is what Credit Karma says about my inquiries:
"Applying for a new line of credit typically initiates a hard inquiry on your credit report. These inquiries typically remain on your report for two years."

We are going to start looking into buying a new home soon, and to limit the impact of multiple inquiries on top of what I already have, is it true that if I apply for loans within a certain period (2 weeks?), that the impact on my score will be essentially just one inquiry? How many can I apply for in a 2 week period for this to apply? Is this pretty rock solid true? Only double checking because I had thought it was understood hard inquiries "expire" after a year and now I'm finding that doesn't seem to be the case.
Credit Deals
Simple Solution Puppy Training Pads, 100 Count for only $25.99
Added on : Saturday August 02nd 2014 07:00:03 PM
g: 0 Posted By: mark159
Views: 94 Replies: 0 I've used a lot of brands of wee wee pads, and Simple Solutions is my favorite brand. I recently tried Nature's Miracle because, I couldn't get Simple Solutions at my local Petco. I placed the pad on the garage floor which is slightly sloped, my dog used it right in the middle just as she's supposed to. The urine flowed right off the pad and streamed down the floor (no, the pad was not upside down)I've never had this problem with Simple Solutions. The pads absorb, my dog can use them more than once, and they don't leak. They also seem to contain odor better than some other pads
now they are only $25.99 thecheapestprice i've ever seen so take advantage




http://www.amazon.com/Simple-Solution-Puppy-Training-Count/dp/B0...
Pets Deals

Amazon Coupons
g: 1 Posted By: aacdable
Views: 648 Replies: 1 My local Home Depot has theCharmin Ultra Soft Toilet Paper Mega Rolls, 328 sheets, 18 rolls = 72, on clearance for $13.
I used a 10% Lowes coupon to bring it down to $11.70.
I checked their web site and could not find it.

WalMart (for comparison) has it for $17.97.

This in Bridgewater, MA.

Not necessarily worth driving to your store for, but if you are there take a look or if you are near Bridgewater, MA they had plenty left (I only got four packs)
Health & Beauty Deals

Home Depot Coupons
Charmin Ultra Soft Toilet Paper Mega Rolls, Home Depot $13 - YMMV
Added on : Saturday August 02nd 2014 07:00:02 AM
g: 0 Posted By: aacdable
Views: 85 Replies: 0 My local Home Depot has theCharmin Ultra Soft Toilet Paper Mega Rolls, 328 sheets, 18 rolls = 72, on clearance for $13.
I used a 10% Lowes coupon to bring it down to $11.70.
I checked their web site and could not find it.

WalMart (for comparison) has it for $17.97.

This in Bridgewater, MA.

Not necessarily worth driving to your store for, but if you are there take a look or if you are near Bridgewater, MA they had plenty left (I only got four packs)
Health & Beauty Deals

Home Depot Coupons
g: 0 Posted By: ctgolfer
Views: 172 Replies: 0 shipping adds $5

Imaging: Pixels: Actual: 20.4 Megapixel
Effective: 20.1 Megapixel Sensor: 1/2.3" Super HAD CCD File Formats: Still Images:JPEG
Movies:MP4 Max Resolution: 20MP: 5152 x 3864 Aspect Ratio: 4:3, 16:9 Image Stabilization: Optical Color Spaces: sRGB

Optics: Lens: EFL: 4.5-157.5 mm(35 mm equivalent: 25-875 mm)
Aperture: f/3.0 (W) - 5.9 (T) Filter Thread: None Zoom: Optical: 35x
Digital: 70x Focus Range: Wide: 0.04" (1 mm) - Infinity
Telephoto: 4.92' (1.5 m) - Infinity

Exposure Control: ISO Sensitivity: Auto, 80-3200 Shutter: 2 - 1/1500sec in Auto Mode
1 - 1/1500sec in Program Mode
30 - 1/1500sec in Manual Mode Exposure Metering: Center-weighted, Multi, Spot Exposure Modes: Modes: Intelligent Auto, Manual, Movie, Program, Scene Selection, Sweep Panorama
Compensation: -2 EV to +2 EV (in 1/3 EV steps) Shooting Modes: Beach
Easy Auto Mode
Fireworks
Gourmet
High Sensitivity
Landscape
Night Portrait
Night Scene
Partial Color
Pet Mode
Pop Color
Snow
Soft High-Key
Soft Skin
Toy Camera Effect White Balance Modes: Auto, Cloudy, Daylight, Flash, Fluorescent, Incandescent, One Push, One Push Set Burst Rate: Up to .8 fps for up to 100 frames Self Timer: 10Sec, 2Sec

Flash: Flash Modes: Advanced Flash
Auto
Flash On
Off
Slow Sync Built-in Flash: Yes Maximum Effective Flash Range: Wide: 1.31 - 22.31' (0.4 - 6.8 m)
Telephoto: 4.92 - 11.81' (1.50 - 3.60 m)
Wide: Up To 44.95' (13.7 m)

Memory: Memory Card Type: Memory Stick Pro Duo
Memory Stick PRO HG-Duo
Memory Stick PRO Duo (High Speed)
Memory Stick Duo
SD
SDHC
SDXC
Memory Stick XC-HG Duo
Memory Stick Micro
Memory Stick Micro (M2)
microSD
microSDHC
microSDXC

Recording: Video Recording: Yes Resolution: 1280 x 720: 30 fps
640 x 480: 30 fps

Video: Audio Recording: With Video, Mono

Viewfinder/Display: Viewfinder Type: Electronic Screen: 3" LCD(460,800 pixels)

Connectivity/System Requirements: Connectivity: AV / USB Multi Wi-Fi: None Software System Requirements: Windows: Vista (SP2), 7 (SP1), 8
Mac: OS X 10.6, 10.7, 10.8

Power: Battery: 4x AA Batteries (not included)

Physical: Dimensions: 5.0"(W) x 3.5"(H) x 3.6"(D) Weight: 20.81 ozwith Battery and Memory Stick
In the box:

Sony Cyber-shot DSC-H300/B 20.1MP Digital Camera with 35x Optical Zoom
Multi-USB Cable


http://electronics.woot.com/offers/sony-20-1mp-digital-camera-wi...
Cameras Deals

woot! Coupons
Serta Hadley II Erurotop Queen Mattress Only $249.99 @ Sears
Added on : Friday August 01st 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 129 Replies: 0 5 Year Non-Prorated

FireBlocker Fiber

Pillo-Fill is a breathable material is designed to enhance both airflow and moisture wicking at the sleep surface.

Serta PillowSoft Foam is extra-soft foam that gently contours the body to provide enhanced cushioning.

Serta Comfort XD is an extra deep layer of soft yet supportive foam which gently cradles the body to help provide pressure relieving comfort.

460 SertaFlex EX Innerspring

Maximum flexibility and responsiveness.
Has increased surface coverage compared to other value-priced innersprings.
Alternating coil design enhances stability and strengthens mattress edges.

www.sears.com/serta-hadley-ii-erurotop-queen-mattress/p-08298704...
Bedding Deals

Sears Coupons
g: 0 Posted By: alamo11
Views: 0 Replies: 0 I know it's Fox but..

This is how unethical servicers make money!


One of the country's largest overseers of troubled home loans, Nationstar Mortgage Holdings Inc., is quietly trying to sell a $100 million insurance agency that doesn't appear to exist.Harwood Service Co. has no website, no independent offices and only a single registered agent. The switchboard operators at Nationstar's headquarters in Lewisville, Texas, haven't heard of Harwood. Call-center employees of Assurant Inc., the insurance carrier whose policies Harwood sells, say the company is just a name used to refer Nationstar business.Only one thing justifies Harwood's nine-figure price tag: The ethereal company has long collected commissions on high-priced insurance that Nationstar compels otherwise-uninsured homeowners to buy. If homeowners can't pay for this "force-placed" coverage, Nationstar forecloses on their homes and sends the bill to mortgage bond investors.New rules by the Federal Housing Finance Agency, investigations by state regulators and class-action settlements now prohibit servicers from collecting commissions on such insurance policies, and the country's biggest brand-name banks have renounced the practice.But some large subprime-mortgage servicers appear to be trying to skirt those rules. They are selling or have sold the nearly nonexistent insurance agencies or have already made profitable business arrangements to try to comply with the new rules.The multimillion-dollar deals illustrate how regulators are still wrestling with messy banking practices more than six years after the housing market's collapse. They also mean that newly sold insurance subsidiaries have an incentive to compel struggling homeowners to buy costly policies, to justify the high sales prices commanded when the insurance agencies were sold.Harwood collected more than $40 million last year on more than $200 million worth of insurance billed to homeowners, according to two people familiar with Nationstar's confidential sales pitch for the business but who spoke on condition of anonymity because they were not authorized to discuss it.Force-placed insurance is a type of backup property insurance meant to protect mortgage investors' stake in uninsured properties. Standard mortgages require borrowers to maintain homeowners insurance and authorize the loan's servicer to buy coverage when borrowers don't. If the borrowers don't pay for the new insurance, servicers foreclose on their properties and stick the bill to mortgage investors.Nationstar's first attempt to sell its affiliated insurance agency fell through early this month after The Associated Press raised questions about the deal, prompting New York's Department of Financial Services to take a look. Nationstar is still seeking to sell the insurance agency, said one person who is familiar with its efforts and requested anonymity to discuss its business affairs without authorization to do so publicly.Nationstar declined to discuss details of Harwood's business.In court, however, Nationstar has opted not to fight to defend its arrangements. Earlier this month, Nationstar and Assurant Inc. reached a deal to settle a class-action lawsuit in the U.S. District Court for the Southern District of Florida that alleged Harwood existed solely to "funnel profits" to Nationstar at borrowers' expense.It's unclear how or whether the Federal Housing Finance Agency, the industry's principal U.S. regulatory agency in Washington, will respond to such sales. In a statement, it expressed concern about the deals. But it said it could not stop servicers from selling their insurance agencies, even as it said it would work with Fannie Mae and Freddie Mac if the companies were circumventing the new rules.The nation's third-largest servicing company, Walter Investment Management Corp., disclosed in its Securities and Exchange Commission filings that rules banning commissions will cost it roughly $20 million a year and said it was "actively looking at alternatives" to giving up the cash. A spokeswoman, Whitney Finch, declined to explain further but said the company would comply with all rules and regulations.Another company, Carrington Mortgage Services LLC of Santa Ana, California, didn't sell its insurance agency. It just agreed to let someone else collect the profits.In an Irish bond prospectus filed last year, Carrington's parent company disclosed that a buyer had paid it $21.25 million in late 2012. If Carrington doesn't send back at least that amount to the agency's buyer in commissions, it will have to give back some of the money it received.Carrington executives denied that its obligation to deliver $21.25 million of commissions would in any way affect homeowners or mortgage investors, and noted that it is not subject to the finance agency rules because it services loans owned by private investors. In its Irish prospectus, however, Carrington warned that some regulators believe the commissions "may constitute an improper 'kickback'," and added: "Should any regulator decide to take action, we may be forced to pay restitution."

http://www.foxbusiness.com/markets/2014/08/01/some-subprime-mort...
Hampton Bay 2-Person Patio Swing - $51.00 w/ FS at HomeDepot
Added on : Friday August 01st 2014 10:00:05 AM
g: 0 Posted By: Savvymommy03
Views: 39 Replies: 0 HomeDepot has theHampton Bay 2-Person Patio Swing on sale for $51.00 with free shipping.

Frame is constructed from steel for lasting strength and sturdiness
Polyester fabric cushions are UV-resistant for lasting color
Fiber-filled cushions ensure comfort while swinging
Provides additional seating for up to 2
Light-brown frame finish complements cushion color
Fabric canopy shades the swing to keep you cool
Easy to assemble with the included hardware
g: 3 Posted By: VivYip
Views: 556 Replies: 5 credit techbargains

TigerDirect has the following items FAR, but shipping starts at $4.30. Shoprunner might help, but I don't see it for the items, though

free shipping (credit mav14)
Memorex DiscRepair Scratch Repair Kit - CD / DVD / Blu-ray - 98836
$9.99 - $9.99 MIRexp 8/3/14

Cooler Master 200mm Case Fan - 700RPM, Red LED (OEM) - RA-FAN-20030-4P
$14.99 - $15 MIRexp 8/6/14

Shoprunner eligible (credit thaitrunghieu)
TP-Link TL-WN723N Mini Wireless N USB Adapter - USB 2.0, 150Mbps, 802.11n
$19.99 - $20 MIRexp 8/10/14

no free shipping
Eastwear Leather Folio Case for New iPad & iPad 2/3/4 - Built-in Stand, Black
$10 - $10 MIRexp 8/2/14

Fit & Fresh CleanTek Filtered Water Bottle - 20 oz., 500 Refills (141FF)
$7.99 - $7.99 MIRexp 8/5/14

Color Research Slim Jewel Case DVD-R 10-Pack - 10-Pack, 16X, 120 mins, 4.7GB, Inkjet Printable
$9.97 - $9.97 MIRexp 8/6/14

Kingwin CFBL-012LB LED Case Fan - 120mm, Blue
$9.99 - $10 MIRexp 8/3/14



note: i will not be doing these rebates because i'm a little hesitant about the rebate processor and personally i don't have much experience purchasing from TigerDirect. However, if you've had good experience with these rebates, by all means go for it. I just have a few bad times with the processor. (to be fair, i've probably done hundreds of rebates, so YMMV)

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

Tiger Direct Coupons
g: 0 Posted By: VivYip
Views: 383 Replies: 4 credit techbargains

TigerDirect has the following items FAR, but shipping starts at $4.30. Shoprunner might help, but I don't see it for the items, though

Shoprunner eligible (credit thaitrunghieu)
TP-Link TL-WN723N Mini Wireless N USB Adapter - USB 2.0, 150Mbps, 802.11n
$19.99 - $20 MIRexp 8/10/14

no free shipping
Eastwear Leather Folio Case for New iPad & iPad 2/3/4 - Built-in Stand, Black
$10 - $10 MIRexp 8/2/14

Fit & Fresh CleanTek Filtered Water Bottle - 20 oz., 500 Refills (141FF)
$7.99 - $7.99 MIRexp 8/5/14

Cooler Master 200mm Case Fan - 700RPM, Red LED (OEM) - RA-FAN-20030-4P
$14.99 - $15 MIRexp 8/6/14

Color Research Slim Jewel Case DVD-R 10-Pack - 10-Pack, 16X, 120 mins, 4.7GB, Inkjet Printable
$9.97 - $9.97 MIRexp 8/6/14

Kingwin CFBL-012LB LED Case Fan - 120mm, Blue
$9.99 - $10 MIRexp 8/3/14

Memorex DiscRepair Scratch Repair Kit - CD / DVD / Blu-ray - 98836
$9.99 - $9.99 MIRexp 8/3/14

note: i will not be doing these rebates because i'm a little hesitant about the rebate processor and personally i don't have much experience purchasing from TigerDirect. However, if you've had good experience with these rebates, by all means go for it. I just have a few bad times with the processor. (to be fair, i've probably done hundreds of rebates, so YMMV)

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

Tiger Direct Coupons
Golden Lighting Chandelier With Parchment Shades $99 w/FS @ Itzaflash
Added on : Friday August 01st 2014 08:00:04 AM
g: 0 Posted By: ctgolfer
Views: 199 Replies: 0 DESCRIPTION

Specifications:

Brand: Golden Lighting

Type: Chandelier

Color: Antique Brass

Size: 26.2 x 30 x 26.2 in.

http://itzaflash.com/products/golden-lighting-chandelier-with-pa...
Home & Garden Deals
g: 0 Posted By: VivYip
Views: 227 Replies: 1 credit techbargains

TigerDirect has the following items FAR, but shipping starts at $4.30. Shoprunner might help, but I don't see it for the items, though

no free shipping
Eastwear Leather Folio Case for New iPad & iPad 2/3/4 - Built-in Stand, Black
$10 - $10 MIRexp 8/2/14

Fit & Fresh CleanTek Filtered Water Bottle - 20 oz., 500 Refills (141FF)
$7.99 - $7.99 MIRexp 8/5/14

TP-Link TL-WN723N Mini Wireless N USB Adapter - USB 2.0, 150Mbps, 802.11n
$19.99 - $20 MIRexp 8/10/14

Cooler Master 200mm Case Fan - 700RPM, Red LED (OEM) - RA-FAN-20030-4P
$14.99 - $15 MIRexp 8/6/14

Color Research Slim Jewel Case DVD-R 10-Pack - 10-Pack, 16X, 120 mins, 4.7GB, Inkjet Printable
$9.97 - $9.97 MIRexp 8/6/14

Kingwin CFBL-012LB LED Case Fan - 120mm, Blue
$9.99 - $10 MIRexp 8/3/14

Memorex DiscRepair Scratch Repair Kit - CD / DVD / Blu-ray - 98836
$9.99 - $9.99 MIRexp 8/3/14

note: i will not be doing these rebates because i'm a little hesitant about the rebate processor and personally i don't have much experience purchasing from TigerDirect. However, if you've had good experience with these rebates, by all means go for it. I just have a few bad times with the processor. (to be fair, i've probably done hundreds of rebates, so YMMV)

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

Tiger Direct Coupons
DYSON 20% off at Target using Code
Added on : Friday August 01st 2014 07:00:07 AM
g: 1 Posted By: ichabod
Views: 60 Replies: 0 DYSON 20% off at Target using Code, DYSON20. FS on orders over $50 so a vacuum should qualify. I'm looking at the Dyson DC65 MultiFloor Upright Vacuum.for $499 online so it would be $399 with the 20% off. I was looking for a rebate or something to stack with the purchase but I could find nothing.

I had a Dyson for about four years when it died. I swore I would never pay the money for another Dyson. Got a Hoover this past Christmas for $149 and it is already toast. Why did vacuums used to last 20 years back in the 1970s?

http://www.target.com/sb/dyson-home-and-storage-org-dvm/-/N-56h3...


Appliance Deals

Target Coupons
g: 0 Posted By: remick
Views: 145 Replies: 0 http://www.uwishunu.com/2014/07/deal-alert-cool-off-with-free-co...

Participating Philadelphia-area locations include 30th Street Station, Rittenhouse, Liberty Place, University of Pennsylvania, Temple University, Ardmore Farmers Market, Haverford, Exton Square Mall, Haddonfield, Lansdale, and Plymouth Meeting Mall.
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 56 Replies: 0 PlayStation 4 500GB console delivers powerful graphics and speed, deeply integrated social capabilities, connected gaming, intelligent personalization, innovative second-screen features and more for a comprehensive experience.
In Killzone: Shadow Fall, you'll respond to bold attacks, quiet infiltrations and all-out combat between two rival factions in a futuristic city.

www.bestbuy.com/site/ps4-500gb-console-bundle-with-killzone-shad...
PS4 Deals

Best Buy Coupons
Landlord Issue - Tenant Threatening to Sue
Added on : Thursday July 31st 2014 06:00:08 PM
g: -1 Posted By: krt
Views: 131 Replies: 4 Hi Everyone,

I had a tenant that violated my lease in two ways.
1) they had a dog when it was clearly stated that they could not have one without written approval.
2) they sub-leased the property without getting approval from us. (To a person with two dogs and a cat).

I didn't find out about either until I tried to contact the tenant with regard to many late rent payments. I initially emailed them and stated that I would let the late rent fees slide (I'm a pretty nice landlord) but this was before I realized they were being dishonest with me.

Once the lease ended, I didn't charge them a single dollar for any lease related issue, however, I took their entire security deposit for the cleaning required to remove pet dander from the house so I can rent it to allergy sufferers. It's very intensive (replace carpets, refinish hardwood floors, clean air ducts, etc.) and will cost more than their security deposit. I also charged them for all the late payments because once I found out they lied to me I lost my inclination to be lenient.

Now they're threatening to sue stating that I already told them I won't charge for the late rent. And they're stating that since I didn't point out the pet dander during the final walkthrough it's an invalid charge as well. The security deposit is less than 4K. I assume this will go to small claims court.

Any advice would be helpful. Thanks in advance! Note: There's more to this but that's the summary.
Question Deals
Services to send money using your credit card besides Paypal
Added on : Thursday July 31st 2014 02:00:06 PM
g: 0 Posted By: Brody44
Views: 149 Replies: 2 Hi guys,

I spent hours doing research, making calls testing platforms and I'm surprised to see I've come empty handed.
Like a lot of people I've had issues with Paypal and I'm looking for a similar solution that would basically allow me to send money/payment using any credit card.

There are a bunch of services that allow transfer from bank account or prepaid cards but rarely do they offer the option to transfer via a CC. (Square, Skrill, etc.) or they are limited to one brand (e.g. Payza)
There is Moneygram and Western union and the like and they charge higher fees ( + it's not 100% electronic transaction)
I found many many different webpages and threads about a "paypal alternative" but often they are merchant suggestions.
Amazon Payments has a restriction of $500 or $1000/month if you're verified and I would need to transfer a lot more than that. There's Google Wallet but for some reason in my testing it's been unreliable in how much time it actually takes to transfer the funds to recipient.

It's such a simple basic service, I can't believe paypal and google wallet would be my only options?
Thanks!
Credit Deals
JcPenney's $10 off $25 B $30 off $100 or $10 off $50 online
Added on : Thursday July 31st 2014 07:00:08 AM
g: 3 Posted By: CardzXtcetera
Views: 1509 Replies: 3 JCPenney's
Ends 8/2/14:
USE SAVETEN*: for $10 off $25
apparel, shoes, accessories & home items
orSAVEMORE*: Bonus 10% on watches, furniture, mattresses, and custom blinds & shades
*Certain restricted items.
Double Points offered through Saturday with JCP Rewards

ONLINE ONLY: $30 OFF $100 or MORE or $10 OFF $50 or MORE
IN-STORE ONLY: $10 OFF $25 or MORE

FREE Shipping Anywhere for purchases over $99 and SHIP to STORE over $25 in purchases.

BACK-TO-SCHOOL BIG BUYS: Now thru Saturday (August 2nd)

CashBack 4% CashBack with JCP
.



Clothing Deals

JCPenney Coupons
Pottery Barn - Extra 15% Off Outdoor for up to 75% Off + More
Added on : Thursday July 31st 2014 07:00:04 AM
g: 0 Posted By: quasarcat
Views: 167 Replies: 0 At Pottery Barn get an extra 15% off Outdoor items with promo code EXTRA15. Offer valid through Sunday 8/3/14 11:59pm PDT. Outdoor savings up to 75% with code.
Get 20% off candles, vases, and other decor items through Sunday 8/3.
Up to 40% off drapes and shades, excluding sunbrellas.

Pottery Barn
Home & Garden Deals
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 Matterhorn 1998 Mens 8 Inch Waterproof Non-Insulated Lace to Toe Boots, Black
Features:
Water-Resistant, Breathable Full Grain Leather
Cordura Nylon
Moisture Wicking Lining
Waterproof/Breathable GORE-TEX Bootie
Polyurethane Midsole
Removable Polyurethane Cushioned Insert
Non-Metallic Shank
Vibram Sierra Rubber Outsole
Goodyear Patented Flex-Welt Construction
Cambrelle
Cordura
Gore-Tex
Vibram Sierra - Black

Matterhorn 4600 Mens 7 Inch Suede Leather Mach Boots, Tan
Features:
Feel like you've been climbing the ladder at work forever? Reach the pinnacle of working comfort with Matterhorn 4600 7 inch Tan Suede Leather Mach Boots. Will they help you get a promotion? Well...they will help you get through your day without so much foot discomfort.
Quality suede leather, in a very light brown shade, gives you supple softness even when the work day is rough and hard. The 1200 denier Cordura tongue, a durable nylon, prevents the wear and tear you get from lacing up. The round nylon laces are part of Matterhorn's Silent Speed Lace System, abrasion-resisting material that helps you stay secure.

Those slightly darker rubber tips and counters (for the toe and heels) are abrasion-resisting, preventing wear in these frequently-trampled boot areas. Lateral (metal-free) composite supports and shanks are built right in, supporting your legs and feet so muscles don't get so stressed (and neither will you).

Shock-absorbing, softly cushioned inserts protect your feet from flooring. These inserts are made with DRYZ technology, moisture-wicking material that locks wetness away in an antimicrobial, odor-fighting core.

Matterhorn's patented Scrambler outsoles feature a unique tread pattern for great traction, a slip-resisting design that keeps you going steady. These dual-density outsoles offer two layers of support, oil-resisting to prevent wear and corrosion. Find out what a difference comfort can make with Matterhorn 4600 7 inch Tan Suede Leather Mach Boots.

Matterhorn 4949 Men's 10" Waterproof Insulated Lace To Toe Boots, Desert Tan
Features:
200 grams of Thinsulate Insulation
Desert Tan Rough Out Leather
Cambrelle Breathable Moisture Wicking Lining
Waterproof/Breathable GORE-TEX Bootie
Polyurethane Midsole
Removable Polyurethane Cushioned Insert
Non-Metallic Shank
Vibram Sierra Fire & Ice Slip-Resistant Outsole
Goodyear Patented Flex-Welt Construction

Matterhorn 4001996 Mens 8" Waterproof Leather & Cordura Insulated Boots, Black
Features:
Waterproof/Breathable GORE-TEX Bootie
Water-Resistant, Breathable Full Grain Leather
Thinsulate Insulation 400 grams
Cambrelle Breathable Moisture Wicking Lining
Cordura High Performance Fabric
Shock Absorbing Polyurethane Midsole
Removable DRYZ Moisture/Odor Control Shock Absorbing Cushioned Insert
Fiberglass Shank
Vibram Sierra Outsole

Matterhorn 4007831 Mens 8 Inch Waterproof Insulated Combat Boots, Black
Features:
Water-Resistant Breathable Full Grain Leather Upper
Waterproof/Breathable GORE-TEX Bootie
Moisture Wicking Lining
400 grams of Thinsulate Insulation
Removable DRYZ Polyurethane Cushioned Insert
Non-Metallic Shank
Goodyear Patented Flex-Welt Construction
Polyurethane Midsole
Vibram Sierra Fire & Ice Slip Resistant Outsole
Made in USA

Matterhorn 4402494 Mens Safety Toe Waterproof Insulated Field Boots, Tan
Features:
Goodyear Patented Flex-Welt Construction
Waterproof / Breathable Gore-Tex Bootie
Top Quality Desert Tan Fleshout Leather
Thinsulate Insulation 400 grams
Cambrelle Breathable Moisture Wicking Lining
Removable DRYZ Moisture / Odor Control / Shock Absorbing Cushioned Insert
Fiberglass Shank
Patented PGD Shock Absorbing Polyurethane Midsole
Vibram Sierra Outsole
Non-Metallic Safety Toe: Meets ASTM F2413 Standard for Protective Footwear

Matterhorn 6001949 Mens 10 Inch Waterproof All Leather Field Boots, Black
Features:
Waterproof/Breathable GORE-TEX Bootie
Water-Resistant, Breathable Full Grain Leather
Thinsulate Insulation 600 grams
Cambrelle Breathable Moisture-Wicking Lining
Goodyear Welt Construction
Leather Comfort Collar
Removable DRYZ Moisture/Odor-Control Shock-Absorbing Cushioned Insert
Shock-Absorbing Polyurethane Midsole
Fiberglass Shank
VIBRAM Kletterlift Outsole
Also available with 200-gram Thinsulate

Matterhorn CV8787 Men's 10" Waterproof Insulated Boots Safety Toe, Sage Green
Features:
Non-Metallic Safety Toe Box: Meets ASTM F2413 Standard for Protective Footwear
Sage Water Resistant Breathable Full Grain Leather
400 grams of Thinsulate Insulation
Moisture Wicking Lining
Waterproof/Breathable GORE-TEX Bootie
Polyurethane Midsole
Removable DRYZ Polyurethane Insert
Non-Metallic Shank
Goodyear Patented Flex-Welt Construction
Heel Height: 1 1/4"

Matterhorn CV30375 Women's 8 Inch Non Metallic Superboot III, Black
Features:
Model CV30375
8 Inch
Women's
Non Metallic
Color: Black

www.ebay.com/itm/201138334610
Shoes Deals

eBay Coupons
g: 0 Posted By: RhizzleBop
Views: 86 Replies: 3 I've done the reading and research on borrowing from a 401k And how its generally a bad idea.
I get that the opportunity cost of the money not being there is potentially a big hit. I'm torn as to whether double taxation is a myth or not as I'm not sure when you're paying back the loan if it comes out pretax or not.

In my families situation we have paid for our wedding and paid off my wife's student loans and a car and we are now saving rapidly for a home purchase. We need more space and our current house will become a rental. This will happen in about a year.

So as we currently stand I put money in my 401k each month and get the company match. The rest of our income that doesn't go to expenses is being saved (obviously post tax) with the intent to use much of it for a large downpayment on our next home.

The question I had was, when considering the fact that not maxing the 401k pretax is an opportunity I can never get back after 2014 cause I can only out so much a year, would I be better off maxing the 401k and then when we are ready to move on the house, borrow from that so that going forward I can continue to max that in 2015 as well as pay back the loan.

For some perspective my plan is to out down around 45-50k on a home when we are ready to do that.

I would consider borrowing as much as half of that from 401k if I saved less in my bank account and maxed the 401k this year.

If I did that borrow its likely to happen between jan and July of 2015 and if it w ere roughly 20-25k then I would be paying that 401k loan off in 12 to 14 months.

Bascally it comes down to opportunity to max 401k in. 2014 that I can never get back again vs opportunity cost of having money pulled from the 401k for about a year that I will aggressively pay right back in.

Discussion Deals
New JcPenney's Sale
Added on : Wednesday July 30th 2014 11:00:07 AM
g: 0 Posted By: CardzXtcetera
Views: 161 Replies: 0 JCPenney's
Ends 8/2/14:
USE SAVETEN*: for $10 off $25
apparel, shoes, accessories & home items
orSAVEMORE*: Bonus 10% on watches, furniture, mattresses, and custom blinds & shades
*Certain restricted items.
Double Points offered through Saturday with JCP Rewards

ONLINE ONLY: $30 OFF $100 or MORE or $10 OFF $50 or MORE
IN-STORE ONLY: $10 OFF $25 or MORE

FREE Shipping Anywhere for purchases over $99 and SHIP to STORE over $25 in purchases.

BACK-TO-SCHOOL BIG BUYS: Now thru Saturday (August 2nd)

CashBack 4% CashBack with JCP
.



Clothing Deals

JCPenney Coupons
RadioShack Alkaline Batteries - AA or AAA 16 pack for $6
Added on : Wednesday July 30th 2014 08:00:11 AM
g: 0 Posted By: im4GMG
Views: 150 Replies: 0 RadioShack has 16 packs of store-brandAAorAAAalkaline batteries for $5.99 + tax. Shipping is free only for orders over $50 online, but the price is the same in-store. Regular price is $11.99.

These are the same as Enercell branded batteries. According to the clerk with whom I spoke, RadioShack is transitioning to the RadioShack brand for their batteries, but the product is the same. RadioShack.com shows all Enercell AA/AAA packs as out of stock online. My local store had them in abundance, but the cost was roughly double the price of the RadioShack branded ones.

AA 16 pack -http://www.radioshack.com/product...d=32800746
AAA 16 pack -http://www.radioshack.com/product...d=32800766
Batteries & Chargers Deals

RadioShack Coupons
Death by Food Pyramid - 99 cents for Kindle. Today only
Added on : Wednesday July 30th 2014 06:00:02 AM
g: 0 Posted By: spook52
Views: 119 Replies: 0 Good reading. Not some type of scam to get you to buy vitamins or anything.....

An average of 5 stars on Amazon.

Death by Food Pyramid: How Shoddy Science, Sketchy Politics and Shady Special Interests Have Ruined Our Health

http://www.amazon.com/Death-Food-Pyramid-Politics-Interests/dp/0984755128
Books Deals

Amazon Coupons
Possible $3 in CVS Extra Bucks for logging in! expires 8/4 YMMV
Added on : Wednesday July 30th 2014 03:00:08 AM
g: 0 Posted By: MISTERCHEAP
Views: 70 Replies: 1 FYI, had $3 in Extra Bucks just for logging in and viewing circular.

$3 off $3+ valid to 8/4.

Worth a try to log in, hope most of you get this too! YMMV www.cvs.com
Discussion Deals
What kind of roommate agreement do I need?
Added on : Tuesday July 29th 2014 04:00:10 PM
g: 0 Posted By: jonny4
Views: 167 Replies: 3 I own a home and I have a spare bedroom. I have a friend, 1 of 3 people I trust, who needs a place to stay. I am looking to get her to sign a roommate agreement but she is describing items she would like included and some stuff seems more like roommate items and some seem like owner and renter/subletter.

She wants the room completely to herself and wants me to never come in even if I have to fix items, basically like the roomis an apartment or home.
Shekeeps to talking about decorating the shared areas of the house.
She wants to add her stuff to my living room, dining room and kitchen, she has more than me right now because I had been renovating and threw a bunch of old stuff out.
I also think she wants to store what she can't fit in the room in my garage and she is moving out of a 1 bedroom apartment so I am assuming she has a lot.

I am looking at different example contracts or agreements and it seems like a roommate is a co-habitation type item and this would be decorating and adding her stuff.
It seems like owner/tenant agreement/contracts are more what she wants when she talks about the room being completely off limits.

I can admit that even though I trust her I don't trust some of the people she knows and do worry about my stuff disappearing.

I am curious what you guys suggest I do. I am going to sit down and talk to her tomorrow and get a clear set of expectations from her to further clarify.
Question Deals
Cargo Suited To A Tea Kit (Online Only) - $35.94 shipped @ Ulta
Added on : Tuesday July 29th 2014 03:00:02 PM
g: 0 Posted By: hellokitty27
Views: 79 Replies: 0 Ulta has the Cargo Suited To A Tea Kit (Online Only) for $29.99 w/ $5.95 shipping.

Includes:

Full size Essential Lip color in Santa Fe (0.10 oz.)
Mini Swimmables Blush in Bali (0.14 oz.)
Full size Eye Shadow Single in Yukon (0.12 oz.)
Full size Swimmables Liner in Pfeiffer Beach (0.04 oz.)
Mini Texas Lash (0.15 oz.)

Health & Beauty Deals

ULTA Coupons
Amex Gift Card Fraud
Added on : Tuesday July 29th 2014 10:00:11 AM
g: 0 Posted By: leungk115
Views: 178 Replies: 2 Hi,

I have an American Express Gift Card that had a fraudulent activity. I always had possession of the card. I tried calling the number on back, but to no avail. Then I went to twitter and communicated with the AskAmex function. I got in touch with someone at the "Executive Offices of American Express" which wasn't really helpful at all. Pretty much told me to contact the merchant and wished me luck in getting my money back. They treat gift cards like cash and couldn't open a fraudulent case. If a gift card were like cash, I wouldn't loose the money in the first place since I always had possession of the card. I contacted the merchant to no avail.

Anyways, I am looking for any suggestions in getting a refund on the fraudulent charge.

Personal Finance Deals
g: 0 Posted By: tedhawkins
Views: 140 Replies: 0 Columbia Sportswear Aruba IV Convertible Pants 32 in. Inseam - Men's $29.99 Campmor Fs on $50+

http://www.campmor.com/outdoor/gear/Product___71319

Featuring a finely tuned fit and an exceptionally comfortable interior mesh brief, the Columbia Sportswear Men's Aruba IV Convertible Pants are crafted from UPF 50 nylon that's lightweight, durable and soft against your skin. These amphibious pants feature zip-off legs, converting them into shorts for quick-change versatility, in or out of the water.

Constructed of 100% textured nylon poplin fabric.
Omni-Shade UPF 50 provides maximum protection for long hours in the sun.
Quick-dry fabric for functional performance on the water.
Back, zip-closed security pocket.
Elastic waist with adjustable drawcord.
Interior mesh brief.
Zip-off legs convert pants to 8.25 in. inseam shorts.
Relaxed fit.
Inseam: 32 in.
Import.
Clothing Deals

Campmor Coupons
g: 0 Posted By: jaytrader
Views: 226 Replies: 3 http://money.cnn.com/2014/07/29/pf/debt-collections/index.html?i...
cnn money said: An estimated 1 in 3 adults with a credit history -- or 77 million people -- are so far behind on some of their debt payments that their account has been put "in collections."

That's a key finding from a new Urban Institute study.

It examined non-mortgage debt, including credit card bills, car loans, medical bills, child support payments and even parking tickets.
...
The debt in collections ranged from as little as $25 to a whopping $125,000. But the average amount owed was $5,200.
...
Among the states,Nevadahad the highest percentage of residents with debt in collections -- 47% - as well as the highest average amount owed - $7,198. That was helped in part by the Las Vegas metro area, where 49% of residents had debt in collections.
...
The study, conducted with Encore Capital Group, is based on a random sample of 7 million people's TransUnion credit files in 2013.

Damn, we got issues, son! Basically, according to the article*, every other person that lives in Vegas has a collections account or accounts. That is mind-boggling. I bet that doesn't include the money they owe to loan sharks, either.

*sample of 7 million TU files.
Discussion Deals
g: 0 Posted By: remick
Views: 229 Replies: 0 https://www.facebook.com/fleetfarm?v=app_602497883198580

vote for your favorite location to get the coupon - they are located inIA, MN, ND and WI
Totally Free Deals
g: 0 Posted By: remick
Views: 81 Replies: 0 https://www.facebook.com/fleetfarm?v=app_602497883198580

vote for your favorite location to get the coupon - they are located inIA, MN, ND and WI
Totally Free Deals
Free Kindle Book- SALMON a cookbook
Added on : Tuesday July 29th 2014 01:00:03 AM
g: 0 Posted By: remick
Views: 21 Replies: 0 http://www.amazon.com/gp/product/B00DYF2OK2

#1 Amazon BESTSELLER

Reviews:

I've tried more than a few recipes from this book and am amazed at how delicious the dishes turn out each time. The recipes are very easy to follow, but the flavors are immaculate. Kids will love the salmon tacos, while adults will find the salmon quiche mouthwatering. - Dudlyringo NEW HAMPSHIRE

We made the salmon chowder recipe last night, it was full on flavor, and very easy to make. For the main course we cooked the salmon, leek, zucchini with carrots - very easy, wrapped in foil, and cooked in oven for 20 minutes. It came out perfect and full of flavor too. Excellent book with great recipes, highly recommended. - Mike MAINE

So many cookbooks I used to own ended up in bottom of the cupboard never to see the light of day again. Or in this day and age never looked at again on the kindle. This one is great and so helpful when I had to impress at a dinner party. Will be looking forward to more from this author. - Daisy UK

People new to Salmon are often surprised at what you can do with this delicious tasting fish. My love of Salmon began over 25 years ago at my first job as a cook; my Salmon Chowder became an instant hit. That recipe still gets great reviews from everyone who tries it. For many years I have shared Salmon recipes with family and friends and I am always asked for more. It really is a great compliment. I wrote this cookbook to share many of my favorite Salmon recipes with you. These great tasting recipes are diverse and simple. It is my hope to encourage you to cook Salmon more often for a healthier you. - Colin Simpson.

Colin is a professional cook and former restaurateur who resides on the beautiful coast of southern Maine in New England, famous for its seafood. Colin quickly became known for his many Salmon dishes. Salmon Chowder and Salmon Quiche were the most favorite dishes for brunch and dinner.
Books & Magazines Deals
g: 0 Posted By: yesidonoitall
Views: 47 Replies: 1 VirginMobile Event Android $19.99 + get a $15 TacoBell card

Or BurgerKing or Subway card
Target has the Kyocera Event for VirginMobile at $19.99 and you get your choice of TacoBell, Subway or Burger King $15 gift card
The Event is the third one down on the receipt... $R19.99
Rec shows my Calif purchase, I had to pay their damb sales tax......

I hit 6 Targets, 2 did not have the $19.99 tag on them but the $59.99 one, they did ring at $19.99
I drilled them as to why they did not have the sale price tag on them, of course they had several excuses.....


Cell Phones Deals

Target Coupons
g: 0 Posted By: ctgolfer
Views: 81 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...
LED TV Deals

Best Buy Coupons
epson xp610 printer 150, sale 90, minus 40% off that
Added on : Monday July 28th 2014 11:00:04 AM
g: 0 Posted By: wimedtypr
Views: 97 Replies: 0 My daughter saw that Target.com had the 150 printer on sale for 89.00. Target Cartwheel also has 40% off of it. We went to Target brick and mortar (the actual store) and the printer is not on sale in the store, but they honor their online price and they stack the cartwheel discount. We just showed the cartwheel barcode on her phone and got the discounts. She will use this at college this year.
All in one printers Deals

Target Coupons
Driver's License Required to Add Money to Paypal?
Added on : Monday July 28th 2014 06:00:11 AM
g: 0 Posted By: unit9174
Views: 105 Replies: 0 I recently sold an item on eBay, which I have not done much in recent years and the buyer annoying filed a dispute with eBay the day after receiving it claiming it is defective, leaving me with a negative balance. I now have the item back and would like to refund the buyer but they are requiring copies of certain documents, copy of DL, copy of utility bill, copy of SS card. I don't wish to provide those. They claim it is b/c of Patriot Act. I've used PP for over 10 years and never had this come up. They have my SSN, at least for tax reporting purposes and I have a BML account linked to my PP account.

They also claim I've never added funds to my PP account in 10 years, which I disagree with but can't confirm. I checked for transactions from 2004 and 2005 when I was first using PP and it couldn't find any transactions at all, let alone adding funds. The claim the dispute did not trigger this but the attempt to add funds did.

Any way around this or must I hand over the documents to use it?

BTW, I did check for the PP FAQ and the link atA Guide to Maximizing the Usefulness of FW Financeprovide a link toPAYPAL and other Online Payment Serviceswhich just leads to FWF homepage, not to the FAQ I'd expect.
Personal Finance Deals
g: 0 Posted By: remick
Views: 1 Replies: 0 http://www.amazon.com/dp/B00M4ZHPFW

Living in Nightmares: The Jones Story

The frightening, true story of a family doomed by evil, madness, abuse, insanity and finally death. Living In Nightmares: The Jones Story is the factual account of the story of the children of Richard E. Jones by his first wife Virginia, written by his eldest daughter, Dee Lynn. Nothing can prepare you for the things that come to light in this story.

The twist in the story is the demonic presence that plagued the family. Was the father possessed? Some family members say that he was absolutely without a doubt. Strange changes in him would bring about a vicious, dangerous man. He had never drank alcohol or used drugs ever. This was a possession if ever there was one.

The first born child, a son would end the torturous abuse in October 2011 during their final altercation. Abused for fifty years of his life he would fight back for once and the evil would be done but the abuse would continue it seems from the father's grave.
g: 1 Posted By: remick
Views: 99 Replies: 0 http://www.amazon.com/gp/product/B00KPNF8RC

Exclusively on Kindle, ours is an eBook which tells you everything you need to know on How to Repel Mosquitoes and Remedy Mosquito Bites, the Natural Way! After all, there are natural ways by which you can outsmart mosquitoes instead of them outwitting you. With plenty of useful information, you will not make the same mistakes others have already made.

Designed for anyone who has had trouble dealing with mosquito bites and allergies, what this eBook proposes are real solutions that work! Simple yet effective, these solutions come in the form of mosquito-repelling foods and herbs, insect-repelling garden plants, natural essential oils, and therapeutic remedies which drive mosquitoes away for good. Safe and practical, they also include preventive measures which you can apply in your daily life as part of smart, mosquito-free living.

Ultimately, the mosquito problem is one that is never too big to handle or face, not when you have natural mosquito repellents and remedies behind you. In the battle between man and mosquito, you can rise above infection and win over disease. Suffer no more from the symptoms and effects of mosquito bites and allergies, now that the problem has become something which you can treat, control, and prevent!
Books & Magazines Deals
10 ft. x 10 ft. Brown Garden House $150 @ Home Depot
Added on : Monday July 28th 2014 12:00:05 AM
g: 0 Posted By: ctgolfer
Views: 233 Replies: 0 Enjoy a shade siesta with this 10 ft. x 10 ft. Garden House Awning with Back Wall. Constructed with a steel frame for durability, create the perfect outdoor oasis with the included back wall with a convertible extra shade awning. Made of a fabric canvas that is water resistant but not waterproof, this versatile piece is best to shield you from the sun more so than the rain. Includes ground stakes and tie down cords for stability. All around netting sold separately.

Includes ground stakes and tie down cords and features all steel construction for strength and stability
Includes back wall with convertible "extra shade" awning and double roof canopy top
All around netting sold separately
We recommend removing the canopy prior to inclement weather such as high winds or heavy rain to avoid damage to the canopy as well as the structure


www.homedepot.com/p/Unbranded-10-ft-x-10-ft-Brown-Garden-House-5...
Garden Deals

Home Depot Coupons
g: 0 Posted By: st4rdust
Views: 104 Replies: 0 NessKo Imports (fulfilled by Amazon) has the Intex Recreation Jungle Flower Inflatable Baby Poolon sale for$6.99. Free shipping with Amazon Prime or get Free Super Saver Shipping on orders of $35 or more.

4.1/5 stars based on 23 customer reviews. Meant for ages 1 through 3.



Soft, inflatable floor for extra comfort
Side pillars and flower petal top for partial shade
Capacity is 12 gallons
40" x 32", 10 gallon baby pool
Includes a repair kit and a shelf box

Baby Deals

Amazon Coupons
FHA 203(k) Questions
Added on : Sunday July 27th 2014 04:00:07 PM
g: 1 Posted By: scottybweyy
Views: 50 Replies: 1 I'm considering purchasing a multi-family quadplex and had some questions on FHA 203(k) loan.

1.) When searching the lender liston the HUD site, I return 0 lenders when searching for those who have done a 203(K) loan in the post 12 months in SC. Does that mean 203(k) loans don't exist in my state?
2.) What national lenders will allow appliance purchases with this program?
3.) Is there a lender where I can qualify for both a conventional FHA and a 203(k) loan in case I decide to only go conventional?
4.) I have read that you need working capital since the draws to pay contractor milestones are typically delayed ~60 days. Is it possible to do a 203(k) without paying contractor personally?




Question Deals
replacing or rebuilding transmission
Added on : Sunday July 27th 2014 04:00:07 PM
g: 0 Posted By: davidbeckham
Views: 87 Replies: 1 I had my transmission with only 70K miles out from my Kia 2008 spectra a few weeks ago and was quoted from $1200-1800 for repair in NYC, and I ended up paying $1200 for them putting in a used one with 50K miles on it. There is a couple things I noticed while shopping around. Some Auto Body was only offering me for rebuilding tranny for $1600-1800, and others told me that usually they would look for a used one first and then if there wasn't any available they would look into the rebuilt option because a high percentage of rebuilt transmissions fail after a year or two . I understand that rebuilding costs more so that the shop would earn more from labor. Other than that, Is there any incentive for shops to push for rebuilding rather than getting a used one? Why did those shops not like to offer a used replacement first? I am trying to get some insight into this industry and figure out who is the honest guy here.
Question Deals
Octagon Pet Pen with Removable Top - was $87.57, now $29.99 - Woot
Added on : Sunday July 27th 2014 12:00:03 PM
g: 0 Posted By: pbmc
Views: 100 Replies: 0 Octagon Pet Pen with Removable Top - was $87.57, now $29.99 - Woot

66% off list price
Link: http://home.woot.com/offers/octagon-pet-pen-w-removable-top-sage-3

The octagon pet pen is a wonderful place for your small dog or cat. It is vented on all sides and the top can be left open or closed. The front door allows for easy access when opened. It is a great travel pen and easy to set up and take down for quick access.

Folds completely at for easy storage and portability
Front-zip door can be left open for easy access or closed for containment
Removable top is partly vented and provides shade from the hot sun
Side storage pockets provide a place to keep things you might need to care for your pet handy
Interior is water-resistant
Made of 600 denier nylon
Travel-friendly
Lightweight and portable

Shipping Note: Shipping to Alaska, Hawaii, and APO addresses is not available for this itemWarranty: 90 Day Woot Limited Warranty
Pets Deals

woot! Coupons
Can I get rewards (cashback, cc pts) from paying off a HELOC?
Added on : Saturday July 26th 2014 03:00:05 AM
g: 0 Posted By: evercl92
Views: 624 Replies: 4 I bought house #2 with a HELOC on my first house($50k ish). I also have a vehicle loan through the same bank ($16k ish). I'm selling house #2 shortly and had planned to pay onto both of these pretty heavy (thus the hopeful potential of a lot of bonus rewards). I checked with DiscoverCard and Chase (my account is showing offers for 0% transfers), to see if I a balance transfer or cash advance counted toward getting reward points. Both said that they didn't give points for those.

That said, is it typical for a bank to accept a credit card payment ? Any other options to get some bonus out of this?
Credit Deals
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 RCA LED50B45RQ - 50" - Renesa LED TV - 1080p (FullHD) - piano blackThis TV offers a slim contemporary design delivering prime picture quality and enhanced connectivity. ALL of RCA LED HDTCV's features a number of technological advances in both video and audio to maximize your viewing enjoyment.

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.kmart.com/rca-50inch-class-rear-lit-1080p-60hz-led/p-012W006...
LED TV Deals

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

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

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

I know that I could have gotten an existing townhouse in the neighborhood cheaper for the most part but the market is tight where I am so most people are paying above listing price and none of the places I looked at were worth the listing price. My credit is only average so I know that I don't qualify for the best rates. Chase quoted me 4.75% on a 30 year fixed with a mean CS of 670.
Personal Finance Deals
Stellar Dental - Buffalo, NY area
Added on : Friday July 25th 2014 07:00:03 AM
g: 0 Posted By: TomPtz
Views: 111 Replies: 0 A healthy smile is a natural way of showing affection to a potential mate or aggression to a potential meal. Let your mouth do its will with this Groupon.Choose Between Two Options
$19 for a dental-checkup package (a $250 total value)
Exam (a $50 value)
Cleaning (a $60 value)
Panoramic (a $90 value) and bitewing (a $50 value) x-rays
$149 for a teeth-whitening package (a $585 total value)
Exam (a $50 value)
Panoramic (a $90 value) and bitewing (a $50 value) x-rays
Zoom! teeth-whitening treatment (a $395 value)Stellar Dental Care
A coalition of 15 experienced dentists forms Stellar Dental Care, whose practices offer oral care six days a week. These 15 strive to see their patients have a lifetime of good dental health, offering services that prevent decay and keep teeth in working order with a slate of cleanings, exams, and x-rays. They also boast a virtually paperless officerather than filling out multiple paper forms, patients enter their information into a computer terminal.In a Nutshell=10ptExperienced dentists examine, clean, and x-ray teeth; whitening lifts stains and brightens teeth up to eight shadesThe Fine Print=13.5pt=10ptExpires 180 days after purchase. Limit 1 per person, may buy 1 additional as a gift. Valid only for option purchased. Appointment required; subject to availability. 24hr cancellation notice required. Must use promotional value in 1 visit. Not valid towards previously booked appointments. All services must be used by the same person. Consultation required; non-candidates and other refund requests will be honored before service provided. Valid for new patients only. Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services. www.groupon.com/deals/stellar-dental-care-6
Services Deals

Groupon Coupons
How to maximize rewards from this situation? (or get any at all)
Added on : Friday July 25th 2014 12:00:04 AM
g: 0 Posted By: evercl92
Views: 60 Replies: 0 I bought house #2 with a HELOC on my first house($50k ish). I also have a vehicle loan through the same bank ($16k ish). I'm selling house #2 shortly and had planned to pay onto both of these pretty heavy (thus the hopeful potential of a lot of bonus rewards). I checked with DiscoverCard and Chase (my account is showing offers for 0% transfers), to see if I a balance transfer or cash advance counted toward getting reward points. Both said that they didn't give points for those.

That said, is it typical for a bank to accept a credit card payment ? Any other options to get some bonus out of this?
Credit Deals
Maximum Time To Issue Refund
Added on : Thursday July 24th 2014 10:00:10 PM
g: 1 Posted By: Airking21
Views: 38 Replies: 0 Hey guys and gals, new here and recently found myself in a bad situation regarding getting credited for a refund. Hope someone can give me some advice or guidance on what I should do next. I know there are probably laws out there to help someone like me but I can't find anything specific. I recently had a charge go bad where the merchant was doing a terrible job with a service, sloppy with their work and were impossible to get on the phone. I was losing time and more money cleaning up their mistakes. Luckily I got the service canceled (in writing) and they agreed to issue a refund (in writing) but are telling me I have to wait 30 days before they submit the refund (this is not and does not include processing time). I paid with a credit card and know a little about my time limits to request a charge back (60 days I think). I'm uneasy about giving the company 30 days to issue the refund because I have never had an issue like this before where it would take so long to even put the request in, and two it puts me really close to my 60 day window for a chargeback if I wait. The amount in question is a couple $1k's. Any advice on what is an acceptable time for a company to issue a refund, is 30 days excessive? I know sometimes they say wait 7-10 business days for it to show up on your statement, but that is usually after they issued the refund and that is not what is happening here. The company mentions a "money back guarantee" on their site but does not describe their cancellation or refunds process, nor do they describe the money back guarantee in any detail other than those words. The receipt I was emailed doesn't mention much other than transaction date/time, customer name, address and email, and total amount. I feel like I'm being lead on and don't want to get burned.

This USA.gov article mentions 7 days to issue a refund, but that is for physical items and says another rule applies to services (which is my case) but doesn't say which rule that is or where to look for it:
http://www.usa.gov/topics/consumer/smart-shopping/home-shopping/...

I placed the order over the phone and the company is in a different state.


Any advice on what my next steps are/should be?
Question Deals
Killzone: Shadow Fall - PlayStation 4 $19.99 @ Best Buy
Added on : Thursday July 24th 2014 10:00:06 PM
g: 0 Posted By: ctgolfer
Views: 156 Replies: 0 Transform yourself into Lucas Kellen, a Shadow Marshal of the world Vekta who is equal parts elite soldier and master spy, sworn to defend your human brethren from co-inhabitants and sworn enemies, the HelghastRepresent the ISA as you strive to stabilize an ever-deteriorating cold war against the Helghast your choices will determine the fate of this world, so you must preserve the peace, no matter what it takesCome face-to-face with the mysterious and dangerous female Helghast soldier, Echo, and uncover a truth that will crumble the boundaries between right and wrong in a twist that will force you to decide what kind of hero you want to beChoose from a vast selection of futuristic weapons and gadgetry, including the OWL a versatile, controllable combat drone to augment your skills and provide an array of innovative tactical optionsExperience stunning environments, awe-inspiring futuristic set pieces, an enhanced shooter experience and highly intelligent enemy AI, all of which display the unbridled power of the PlayStation 4 and DUALSHOCK 4 controller


www.bestbuy.com/site/killzone-shadow-fall-playstation-4/8677045....


PS4 Games Deals

Best Buy Coupons
g: 0 Posted By: ctgolfer
Views: 99 Replies: 0 Free Bonus Item

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

20.1-megapixel, 1.7" Super HAD CCD sensor
Captures high-resolution images up to 5152 x 2896 pixels.
8x optical/up to 32x digital/up to 256x total zoom
Through a Carl Zeiss Vario-Tessar lens for precise zooming and accuracy.
2.7" LCD
Provides a clear view, so you can easily compose and review your shots.
High-definition movie mode
Allows you to record smooth, detailed video clips in 720p resolution.
Optical SteadyShot image stabilization
With Active mode reduces image blur caused by camera shake and vibration, so you can take crisp, steady shots. ISO up to 3200 for improved image capture in low-light conditions.
Scene modes
Include high sensitivity, soft snap, soft skin, landscape, night portrait, night scene, gourmet, beach, snow, fireworks and pet to accommodate various shooting scenarios. Sweep Panorama mode lets you capture expansive landscapes.
Burst mode
Allows you to capture up to 100 shots at 1 fps and 16.1MP resolution for dynamic, fast-action shooting. Face detection recognizes up to 8 faces, so you can take high-quality pictures of friends and family members.
Auto mode
Automatically optimizes camera settings for improved image capture in a wide range of shooting conditions.
White balance modes
Include auto, daylight, cloudy, fluorescent 1 (white), fluorescent 2 (natural white), fluorescent 3 (day white), incandescent, flash, one push and one push set to help achieve natural tones in various lighting conditions.
Advanced flash mode
Illuminates distant subjects, so you can take properly lit photos.
Built-in picture and beauty effects
Allow you to enhance your images by adjusting skin tone and text, whitening teeth and more.
Autofocus
Lets you focus as close as 2", so you can take up-close photos of subjects in clear, sharp detail.
Multicard slot
Supports Secure Digital, Secure Digital High Capacity, SDXC and Memory Stick PRO Duo memory cards (not included). Also supports Memory Stick Micro and microSD memory cards with select adapters (not included).

Silver
www.bestbuy.com/site/sony-dsc-w830-20-1-megapixel-digital-camera...

Black
www.bestbuy.com/site/sony-dsc-w830-20-1-megapixel-digital-camera...
Cameras Deals

Best Buy Coupons
g: 0 Posted By: st4rdust
Views: 124 Replies: 1 Best Buy has the Asus 15.6" Laptop w/ Intel Celeron Processor, 4GB RAM, and 500GB HDD(X551MAV-RCLN06) on sale for $197.99with free shipping. You may have to be logged into your Best Buy account to see this price.

This deal had a positive rating of 20 green herewhen it was posted 5 days ago for ~$50 more.

4.5/5 stars based on 20 customer reviews.

15.6" HD Display
Intel Celeron 2.15GHz Processor
4GB RAM
500GB Hard Drive
1 x USB 3.0 Port
1 x USB 2.0 Port
Windows 8.1 OS
1 Year Limited Warranty

Back to School Deals

Best Buy Coupons
Dashboard Windshield Mount Car Holder for iPhone 75% Off at Amazon
Added on : Thursday July 24th 2014 07:00:07 AM
g: -1 Posted By: megatimr
Views: 240 Replies: 0 http://www.amazon.com/Nanotechnology-Landscape-Windshield-Dashboard-Sunshine/dp/B00JXM3LMK

Coupon Code:75MICROS

I had found a 40% off coupon the other day on another board, but this larger discount was shown on FB this morning so I thought I'd pass it along.

This rotatable car holder can mount to the dash or windshield, for the dash it uses a metal ring with a 3M adhesive to overcome issues with textured surfaces. It works best with devices with a smooth mirrored finish, like the back of an iPhone or a hard case. Simple one touch nanotechnology makes mounting and removal easy. Can be used in the car or at the office, with the metal ring left on the dashboard in the car.

Money back guarantee.
Micro Suction surface applies to any hard mirrored surface.
360 degree rotation for portrait or landscape viewing.
Easy removal.

Sold by Sunshine M&B and Fulfilled by Amazon.



Electronics Deals

Amazon Coupons
Free Chromatic Tuner with Tone Generator for iOS
Added on : Thursday July 24th 2014 05:00:20 AM
g: 0 Posted By: remick
Views: 75 Replies: 0 https://itunes.apple.com/us/app/id528923171?

***Featured on Apple's "New and Noteworthy","New", in US, UK, Australia and many more stores.***
*** Featured by FWA Mobile "Mobile of the Day" ***

insTuner is a chromatic tuner that helps you tune instruments quickly and accurately. It also features a Tone Generator just like a pitch pipe with four different wave forms.

With advanced DSP (Digital Signal Processing) algorithm, it is highly accurate (1/1000 semitone or 0.1 cent precision). Rather than providing only one mode like other tuners, insTuner supports different tuning units applicable to different situations, such as Instant Tuning Unit for quick tune and play, Fine and Strobe Units for accurate tuning, FFT Unit for sound analysis etc. What's more, many advanced features are provided such as Concert A calibration, historical temperaments and transpositions, which make it more powerful than other tuners.

insTuner is well-designed and easy to use. It features a unique "fixed" note wheel, which helps you to find the position of detected pitch easily. You can also use it as an electronic pitch pipe to tune by ear, matching the generated tones.

It is suitable for tuning acoustic or electric guitar and bass, ukulele, mandolin, banjo, bouzouki, bowed strings, woodwinds, brass, timpani and more. In fact, almost any instrument that sustains a tone can be tuned using insTuner. It supports Built-in Microphone as well as Line-in and other audio interface such as Apogee One. Clip Microphone is supported too.


=== FEATURES ===
* Universal App, purchase once, available on all of your iOS devices: iPhone/iPhone5/iPod/iPad.
* Supported both Landscape and Portrait mode
* Precise to 1/1000 semitone (0.1 cent)
* Tuning Range from C0 to B8, covering the range of almost all of musical instruments
* Instant Tuning Unit
* Strobe Tuning Unit
* Fine Tuning Unit with a highly responsive tuning meter for perfect tuning
* Historical Curve Unit that shows tuning results over time
* FFT Tuning Unit for frequency analysis with Log, Linear or Note Display options
* Real-time Spectrogram Unit with Log, Linear, Note and Median Frequency Display options for real-time audio analysis
* Well-designed "Fixed" note wheel display
* Adjustable A4 (Concert A) calibration in 0.1 Hz increments
* >30 historical temperaments
* Customizable temperaments
* 12 notations
* Needle damping
* Customizable transposition options for transposing instruments
* Tone generator with four wave forms
* Line-in and Built-in Microphone Modes
* Customizable Input Channels
* Supported Apogee One


Our customers said:

Best tuner Ive ever had. Im a professional clarinetist, and Ive told all of my musician friends to use this app.

I highly recommend this app and who can beat the price. My violin teacher compared it to her personal device. She wants an ipad to get the app for her personal use.

I have the iPhone 5 and play tenor sax, I compared this to a 40 dollar tuner and its perfect

As a high school band director, I use this tuner more often than my strobo tuner. Besides the obvious portability, it is actually a bit more sensitive than the multi thousand dollar strobo and I Iove the multitude of options!

Absolutely love this app. I use it for my guitar, my sons violin and upright bass. The new features are even more amazing
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 53 Replies: 0 Condition: New
Packaging: Retail
Warranty: 1 Year
Brand: Karity Cosmetics

Product Features:
From sculpting to blending, create a seamless face for any occasion
Makeup brushes are made from a blend of high-quality synthetic and animal hair
Blush brush adds tone and highlight cheekbones, nose and forehead
Mascara brush adds dramatic length to your eye lashes
Contour brush delicately applies highlighter to contour or create sheer, soft-focus finish
Lip Liner brush creates defined and enhanced lips
Eye liner brush delivers a precise, firm, even stroke with which to line the eyes
Designed and tested by professional makeup artists
Makeup brushes in the set will not irritate your skin
Comes in a convenient leather pouch for easy transport
Includes brushes for applying concealer, foundation, blush, eye shadows, mascara and more!

What You Get:
12-Piece Karity Cosmetics Professional Studio-Quality Brush Set
Set Includes: (1) Mascara Brush, (1) Lip Line Brush, (1) Eyeliner Brush, (1) Flat-Edged Eye Shadow Brush, (1) Blending Brush, (1) Fan Brush, (1) Small Shadow Brush, (1) Medium Shadow Brush, (1) Large Shadow Brush, (1) Contour Brush, (1) Blush Brush and (1) Foundation Brush

www.dailysteals.com/#deals/28962
Vision Direct $50 Restaurant.com GC with $50 purchase
Added on : Wednesday July 23rd 2014 11:00:06 AM
g: 0 Posted By: Rhodan818
Views: 170 Replies: 0 http://www.visiondirect.com/get-a-restaurant-com-gift-certificate/qxc172960

I mysteriously received the gift card via email today. I didn't even know about the deal after doing my regular contact less order last week. I had no idea this promotion was going on, and I used a discount coupon on my order, I don't remember how much.


Gifts Deals

Restaurant.com Coupons
Marlboro new offer- FLAVOR MAKERS KEYCHAIN LIGHT
Added on : Wednesday July 23rd 2014 08:00:10 AM
g: 1 Posted By: bhikshuk
Views: 266 Replies: 1 New offer even if you go the one from a couple weeks ago!
WHAT'S THE BEST LATE-NIGHT SUMMER CONCERT EXPERIENCE YOU'VE HAD?

https://www.marlboro.com/gconnect/login_input.action

Enjoy
Totally Free Deals
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...
LED TV Deals

Best Buy Coupons
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
Garden Deals

Sears Coupons
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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FREE Shipping on orders over $35
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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
FREE Shipping on orders over $35
(374)
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SHANY Professional Makeup Kit, 78 Color

$18.95
$18.00Subscribe & Save
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(223)
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See Scent & Size OptionsEO Hand Soap, Refill Size, Peppermint & Tea Tree, 32-Ounce Bottles

$16.90$16.68
FREE Shipping on orders over $35
(13)
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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
$14.22Subscribe & Save
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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
$12.70Subscribe & Save
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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
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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

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

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SHANY 100% Mineral Eye Shadow, Eye Shades, 8 Ounce

$39.95$31.12
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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

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PUMA Men's Cell Surin Training Shoe$39.99

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PUMA Women's Voltaic 5 Training Shoe$39.99

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PUMA Women's Cell Riaze Training Shoe$39.99

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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.


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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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Bed Bath and Beyond Coupons
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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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
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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.

====================
Software Deals

Office Depot Coupons
g: 0 Posted By: beethovengirl
Views: 16 Replies: 0 Hi,

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

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

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

thanks
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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
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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.
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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!
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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?
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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
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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.

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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.
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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.

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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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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.
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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.
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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?
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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