matter hot deals search results
Hopefully this is a bit of an olive branch of reiterating the "general principle" of who is supposed to pay for damage in this situation given the stuff in the Midwest the last few days and given the time of year, plus a little twist that I guess I have.Had some bad storms here yesterday morning (Missouri, not the Oklahoma stuff) and a big maple tree on my rental lost a bunch of huge branches which somehow managed to all end up in the neighbor's yard doing the following:1. Smashed a fence that I'm pretty sure is mine;
2. tore down a wire running from his house to his carport for electricity at the car port (luckily the wire running power to his house was on the north side of his property and didn't get hit); and
3. has basically filled his yard with more branches than I previously could have imagined.My understanding from doing some research (including searching through all the old "tree fell" threads here on FWF) is that if it was a "healthy tree" generally defined as "the neighbor never hired an arborist to send you a letter that your tree is dying and a danger to his property" and it goes down in a storm, then the neighbor where it landed needs to have his homeowner's insurance pay for it. Obviously the pragmatic side of it has always been that coming to some kind of compromise makes for good neighbors.Fortunately, while this situation sucks, we got a little "lucky" in that those three things are the only damage -- falling a little to the west would have crushed an above-ground swimming pool and/or his deck and a little to the East would have crushed his car port (and been frown town for the car in the car port). I tried to explain this to the neighbor and told him that I'd have a guy come and look at the branches, since I'd want to have the breaks from the tree cleaned up so the tree doesn't die anyway. Instead this guy called HIS insurance company and (not surprisingly) they said they'd fix it and bill me.The houses are in the City of St. Louis which has giant dumpsters in the alley for yard waste and branches (and lets you drag this stuff to the street for pickup after storms like this). I kept trying to explain to him that I'd be willing to pay for a tree guy to come out and chop up the branches (and fix my tree, since I think that climbing in my tree is probably the lion's share of that cost anyway) if he would take care of re-wiring this wire out to his car port (I don't want to pay an electrician for it, especially since I'm pretty sure that "run wire out your window to your car port" is probably not up to code) and if he would take care of smashing the limbs into the dumpsters and/or dragging them to the street.However, obviously neighbors never want to pay anything when this happens (I don't know that I blame him for that, since it seems weird that this would be his responsibility) and given that his is hispanic and doesn't really speak english, no matter what I say I just get "You Pay" from him. His wife and brother don't speak english very well, either, and while his oldest son speaks English very well, he is like 9 or 10 and so trying to explain this to him to translate is not working (he may be younger, I'm horrible with estimating age).At this point, I'm gassed and pissed off -- just full of hate -- I hate this house (it's a constant money sink), I hate this city, I hate this neighbor, and I'm tired of dealing with this. I could probably get this whole thing cleaned up for right around my $1K deductible, so it seems stupid to make a claim, but on the other hand, if the insurance company would handle MY damage (the fence and cleaning up the tree) along with dealing with my neighbor, so I can stop dealing with this, then it's worth well more than the $1K deductible, IMO.So, the question, I guess, is what do insurance carriers typically do here? I tried calling mine and the guy just kept asking if I wanted to make a claim, and I kept asking "If I make a claim for this, will my damage and my neighbors issues be handled as one claim with one deductible?" and he kept saying "do you want to make a claim and find out?" Seems like a fairly easy question, but I cannot tell for sure and would like some advice from any of you that may have dealt with this before.
2. tore down a wire running from his house to his carport for electricity at the car port (luckily the wire running power to his house was on the north side of his property and didn't get hit); and
3. has basically filled his yard with more branches than I previously could have imagined.My understanding from doing some research (including searching through all the old "tree fell" threads here on FWF) is that if it was a "healthy tree" generally defined as "the neighbor never hired an arborist to send you a letter that your tree is dying and a danger to his property" and it goes down in a storm, then the neighbor where it landed needs to have his homeowner's insurance pay for it. Obviously the pragmatic side of it has always been that coming to some kind of compromise makes for good neighbors.Fortunately, while this situation sucks, we got a little "lucky" in that those three things are the only damage -- falling a little to the west would have crushed an above-ground swimming pool and/or his deck and a little to the East would have crushed his car port (and been frown town for the car in the car port). I tried to explain this to the neighbor and told him that I'd have a guy come and look at the branches, since I'd want to have the breaks from the tree cleaned up so the tree doesn't die anyway. Instead this guy called HIS insurance company and (not surprisingly) they said they'd fix it and bill me.The houses are in the City of St. Louis which has giant dumpsters in the alley for yard waste and branches (and lets you drag this stuff to the street for pickup after storms like this). I kept trying to explain to him that I'd be willing to pay for a tree guy to come out and chop up the branches (and fix my tree, since I think that climbing in my tree is probably the lion's share of that cost anyway) if he would take care of re-wiring this wire out to his car port (I don't want to pay an electrician for it, especially since I'm pretty sure that "run wire out your window to your car port" is probably not up to code) and if he would take care of smashing the limbs into the dumpsters and/or dragging them to the street.However, obviously neighbors never want to pay anything when this happens (I don't know that I blame him for that, since it seems weird that this would be his responsibility) and given that his is hispanic and doesn't really speak english, no matter what I say I just get "You Pay" from him. His wife and brother don't speak english very well, either, and while his oldest son speaks English very well, he is like 9 or 10 and so trying to explain this to him to translate is not working (he may be younger, I'm horrible with estimating age).At this point, I'm gassed and pissed off -- just full of hate -- I hate this house (it's a constant money sink), I hate this city, I hate this neighbor, and I'm tired of dealing with this. I could probably get this whole thing cleaned up for right around my $1K deductible, so it seems stupid to make a claim, but on the other hand, if the insurance company would handle MY damage (the fence and cleaning up the tree) along with dealing with my neighbor, so I can stop dealing with this, then it's worth well more than the $1K deductible, IMO.So, the question, I guess, is what do insurance carriers typically do here? I tried calling mine and the guy just kept asking if I wanted to make a claim, and I kept asking "If I make a claim for this, will my damage and my neighbors issues be handled as one claim with one deductible?" and he kept saying "do you want to make a claim and find out?" Seems like a fairly easy question, but I cannot tell for sure and would like some advice from any of you that may have dealt with this before.
Hi. I have been an AMEX member since 2012.....AFAIK.
On my account homepage, under my name in the upper right area, it says "Thank you for being a cardmember since 1993". I think this suddenly changed when I regsitered my Gold Biz Card the other day. I had never noticed it before. Thing is, my Gold Biz Card says member since 2012. Now, I just got my new SPG Biz AMEX in the mail today. It says cardmember since 1993!!! Just like the website! Wow.Something obviously happened here. I was just on the phone with the rep about this card (unrelated matter) when I suddenly noticed it and began to fumble my words and hesitate. I was about to ask her about it and decided to not say anything.
Anyone ever had this happen before? I'm quite confused here. I'd LOVE to be backdated to 1993 but don't remember having a card back then. I would love to call and ask to have my other two AMEX's remailed with the backdating to 1993 but I don't know if that would work or if it would raise red flags and get corrected.....mainly because I don't know how clear, concise and organized backdating is. I mean, do the reps just see my 1993 backdating and go off that without verifying it?
My ultimate goal would be, if I can really keep the 1993 date, to get a personal card...which I still don't have...and give my AAoA a serious jolt in age.
On my account homepage, under my name in the upper right area, it says "Thank you for being a cardmember since 1993". I think this suddenly changed when I regsitered my Gold Biz Card the other day. I had never noticed it before. Thing is, my Gold Biz Card says member since 2012. Now, I just got my new SPG Biz AMEX in the mail today. It says cardmember since 1993!!! Just like the website! Wow.Something obviously happened here. I was just on the phone with the rep about this card (unrelated matter) when I suddenly noticed it and began to fumble my words and hesitate. I was about to ask her about it and decided to not say anything.
Anyone ever had this happen before? I'm quite confused here. I'd LOVE to be backdated to 1993 but don't remember having a card back then. I would love to call and ask to have my other two AMEX's remailed with the backdating to 1993 but I don't know if that would work or if it would raise red flags and get corrected.....mainly because I don't know how clear, concise and organized backdating is. I mean, do the reps just see my 1993 backdating and go off that without verifying it?
My ultimate goal would be, if I can really keep the 1993 date, to get a personal card...which I still don't have...and give my AAoA a serious jolt in age.
$74.99 w/FS, TomTom VIA 1500TM GPS (w/lifetime maps and traffic)
Added on : Saturday May 18th 2013 08:00:02 AM
Have 2 of these already and been looking for one for travel at the $99 level; have not seen one at that price for a LONG time. This is a GREAT price, with free shipping and no sales tax for me.Sold by Rakuten, the owner of the Buy.com brand, so don't forget your 1.75% FWCB too! FWIW, if it matters to you, this unit is sold by a company named Worlds Best Deals, apparently a Rakuten business partner.Don't bother trying the WEEKEND15 coupon; that doesn't apply to electronics!LinkyMy 1500 VIA is great with speed-trap and traffic light camera alerts. I've easily saved many times the cost with just that feature!The traffic predictions and automatic re-routing around detours/congestion has been invaluable, too. Obviously, these GPS units don't know about rush-hour traffic patterns, so if you know a route is GOING to become congested, don't wait for the GPS to alert you because it may be too late. Simply program it to avoid the offending intersection or highway and use an alternate route of your choosing.BIG TIPS: 1) Apparently TomTom is not too cooperative honoring the lifetime maps feature if/when you eventually sell or give these units away. Maybe if you keep the cryptic code page and the receipt you can convince them to let you transfer the "lifetime" map service, BUT there is an easier way. Create a a free email address from Gmail or Hotmail or whomever just to register and update this unit; you can give that email address and password the new owner if/when you pass this unit on to them. Minor annoyance: one email address is needed for each TomTom unit you register. Would be a lot more convenient for a guy like me if I would register multiple units to the same account. As it is, I have to plug in each TomTom and then log in with the matching email address for that unit.2) As soon as you get your unit and create an email address per Tip 1 above, download the MyTomTom stuff and update your GPS using your laptop/desktop computer. You may have to update it 2x in a row to get all of the available updates. (e.g., the firmware updates may qualify you for an even more recent map update after the unit is rebooted.)Once all of the firmware updates are applied, you will find the TomTom's behavior is pretty much like a dash-installed unit. e.g., it will power up as soon as you start the car, and it will automatically power down about 5 seconds after you turn the car off. You can defer the auto-shutdown if you need to do additional programming.The specs:
Mfg Part#: VIA 1500TM Sku: 241854896 UPC: 636926050050 UPC 14: 00636926050050
Product # 1EN505202 The TomTom VIA 1500TM 5-Inch Glass Touchscreen Portable GPS Navigator is a 5-inch, extra-wide, touch-screen LCD display you can easily swipe your finger to move from screen to screen, or pinch-to-zoom, for easy map viewing. It boasts a slim design, crisp, sharp graphics and intuitive user menus. It is also equipped with superior driving intelligence. It comes with the preloaded maps of US. As an added convenience, it has Turn-by-Turn Voice and Visual Guidance. It offers spoken street names so users can pay attention to the road; advanced lane guidance for navigating difficult junctions and not missing important turns; and IQ routes, a technology that allows users with an optional traffic receiver to receive more accurately calculated routes based on actual traffic speeds. As an added convenience, it has Turn-by-Turn Voice and Visual Guidance. TomTom GO is also enhanced with a suite of features designed to help you drive more safely, including voice recognition . With TomTom VIA Share On- Demand Updates, you can easily make instant changes in between map releases, and download verified updates from other TomTom users to your map. It also gives you the most accurate real-time traffic information available.
Features
5" Extra-Wide LCD Touchscreen
GPS Vehicle Navigation System
IQ Routes Technology
Lifetime Traffic & Map Updates
Product # 1EN505202
Spoken Street Names
Turn-by-Turn Voice & Visual Guidance
Rakuten.com Shopping (formerly Buy.com) Coupons
Mfg Part#: VIA 1500TM Sku: 241854896 UPC: 636926050050 UPC 14: 00636926050050
Product # 1EN505202 The TomTom VIA 1500TM 5-Inch Glass Touchscreen Portable GPS Navigator is a 5-inch, extra-wide, touch-screen LCD display you can easily swipe your finger to move from screen to screen, or pinch-to-zoom, for easy map viewing. It boasts a slim design, crisp, sharp graphics and intuitive user menus. It is also equipped with superior driving intelligence. It comes with the preloaded maps of US. As an added convenience, it has Turn-by-Turn Voice and Visual Guidance. It offers spoken street names so users can pay attention to the road; advanced lane guidance for navigating difficult junctions and not missing important turns; and IQ routes, a technology that allows users with an optional traffic receiver to receive more accurately calculated routes based on actual traffic speeds. As an added convenience, it has Turn-by-Turn Voice and Visual Guidance. TomTom GO is also enhanced with a suite of features designed to help you drive more safely, including voice recognition . With TomTom VIA Share On- Demand Updates, you can easily make instant changes in between map releases, and download verified updates from other TomTom users to your map. It also gives you the most accurate real-time traffic information available.
Features
5" Extra-Wide LCD Touchscreen
GPS Vehicle Navigation System
IQ Routes Technology
Lifetime Traffic & Map Updates
Product # 1EN505202
Spoken Street Names
Turn-by-Turn Voice & Visual Guidance
Rakuten.com Shopping (formerly Buy.com) Coupons
$45.99 w/FS, iHome iD91BZC Apple iPod.iPhone/iPad app/dock/charger Desktop Dual Alarm Clock Stereo FM Radio with remote
Added on : Saturday May 18th 2013 07:00:02 AM
I bought two, because at $45.99 they're about half to two-thirds off Am-zon and other's pricing. No sales tax for me, either. Sold by Rakuten, the owner of the Buy.com brand, so don't forget your 1.75% FWCB too! (FWIW, if it matters to you, this is sold by a company named BLINQ, apparently a Rakuten business partner.) Don't bother trying the WEEKEND15 coupon; that doesn't apply to electronics!Been watching these for a while; iPad-capable alarm radios are usually 2-3x iPod/iPad only versions. This seems to be an older model (iHome has been adding more models -- at higher prices -- several times/year).LinkyFM-only doesn't bother us; local AM stations are really, really bad.New in box, 1-yr warranty. The specs:
The iD91 is a dual alarm clock radio for iPhone, iPod, iPad that lets you charge your iPhone or iPod and lets you wake and sleep to either one, to a custom playlist, or to FM radio. A time sync button syncs the clock to your iPhone (which is always current via cell phone towers) to set the time quickly. The iD91 allows you to set two separate alarms with different times on different days with our 7-5-2 feature. The iD91 also includes 6 FM presets, EQ controls and 3D sound and Reson8 sound technology for an exceptional audio experience.Features
Battery Chemistry Alkaline
Battery Size Supported AA
Number of Batteries Supported 2
Battery Included Yes
Built-in Devices Charging Dock
iPad Dock
iPhone Dock
iPod Dock
Headphone Yes
Proprietary Interface Yes
Auxiliary Input Yes
Apple Dock Interface Yes
Screen Type LCD
Product Type Clock Radio
Manufacturer Part Number iD91BZC
Manufacturer SDI Technologies
Product Model iD91BZC
Product Name App-enhanced Dual Alarm Stereo Clock Radio for your iPhone/iPod/iPad with FM Presets
Brand Name iHome
Package Contents
App-enhanced Dual Alarm Stereo Clock Radio for your iPhone/iPod/iPad with FM Presets
2 x AA Batteries
Remote Control
Weight (Approximate) 2.20 lb
Form Factor Desktop
Height 3.1"
Width 10.4"
Input Voltage 110 V AC 220 V AC
Depth 5.4"
Frequency Band/Bandwidth FM
Station Presets 6 - FM
Speaker Form Factor Integrated
Snooze Setting Manual
Snooze Time 29 Minute
Number of Alarms 2
Limited Warranty 1 Year
Rakuten.com Shopping (formerly Buy.com) Coupons
The iD91 is a dual alarm clock radio for iPhone, iPod, iPad that lets you charge your iPhone or iPod and lets you wake and sleep to either one, to a custom playlist, or to FM radio. A time sync button syncs the clock to your iPhone (which is always current via cell phone towers) to set the time quickly. The iD91 allows you to set two separate alarms with different times on different days with our 7-5-2 feature. The iD91 also includes 6 FM presets, EQ controls and 3D sound and Reson8 sound technology for an exceptional audio experience.Features
Battery Chemistry Alkaline
Battery Size Supported AA
Number of Batteries Supported 2
Battery Included Yes
Built-in Devices Charging Dock
iPad Dock
iPhone Dock
iPod Dock
Headphone Yes
Proprietary Interface Yes
Auxiliary Input Yes
Apple Dock Interface Yes
Screen Type LCD
Product Type Clock Radio
Manufacturer Part Number iD91BZC
Manufacturer SDI Technologies
Product Model iD91BZC
Product Name App-enhanced Dual Alarm Stereo Clock Radio for your iPhone/iPod/iPad with FM Presets
Brand Name iHome
Package Contents
App-enhanced Dual Alarm Stereo Clock Radio for your iPhone/iPod/iPad with FM Presets
2 x AA Batteries
Remote Control
Weight (Approximate) 2.20 lb
Form Factor Desktop
Height 3.1"
Width 10.4"
Input Voltage 110 V AC 220 V AC
Depth 5.4"
Frequency Band/Bandwidth FM
Station Presets 6 - FM
Speaker Form Factor Integrated
Snooze Setting Manual
Snooze Time 29 Minute
Number of Alarms 2
Limited Warranty 1 Year
Rakuten.com Shopping (formerly Buy.com) Coupons
Office Depot FAR software for the week of 05/19/2013 (NO FAR, two McAfee titles, $8 AR and $15 AR)
Added on : Thursday May 16th 2013 07:00:05 PM
Office Depot FAR software for the week of 05/19/2013 (NO FAR, two McAfee titles, $8 AR and $15 AR) McAfee Total Protection 2013 1 User [830-743] $51.99
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
McAfee Total Protection For 3 Users [830-788] $69.99
$14.99 After $10 Instant & $55 Mfr. Mail-In Savings
====================****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.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
McAfee Total Protection For 3 Users [830-788] $69.99
$14.99 After $10 Instant & $55 Mfr. Mail-In Savings
====================****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.====================****ALERT ON SYMANTEC/NORTON REBATES****Symantec/Norton has set a yearly limit of 20 rebates or $1000 in rebates which ever comes first. Formerly: High volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Private Airline Owner Won't Pay for Tutoring - Small Claims Court?
Added on : Wednesday May 15th 2013 06:00:07 AM
So, weird situation: I had an opportunity to tutor - for big bucks - the son of a rich businessman. I didn't know it when I started, but turns out he's an asshole; even his son hates him. There are tons of news articles about him, his divorce, him happily spending time in jail instead of paying small amounts of owed money to ex... It goes on, and this information is so easily found that I feel like an idiot. It's surreal that this psycho is my client. And yes, it was stupid that I didn't look it up before starting tutoring. But the past is the past and I've learned from it, and have to now move on.I sent invoices and kept records (emails, txts, phone calls) showing that the tutoring was on the up and up, and the due dates are clearly-indicated. I sent out the invoices immediately after every session, and got no response. When the first bill became overdue, the client said to cancel all future sessions. I told him that I still need immediate payment, he didn't respond, and have not been able to get in touch with him since. I have sent several emails, and even reached out to the mother and son, who asked me to continue tutoring. I took one more session for half the price (since they were paying out of pocket and are good folk) and was paid, but that's the last I heard from them as well.Now I'm trying to get $1800 from this guy who won't respond at all. I don't know what to do. Please help!The work was done in NYC (Manhattan in case it matters). I was avoiding a confrontational phone call, and decided to call his personal assistant first out of courtesy, but she's also ridiculously rude and unhelpful. Now I'm posting here before moving forward.What can I do to secure payment? Should I call his cellphone (he provided me the #, I did not hunt it down) directly and speak with him? Will small claims help at all? I read somewhere it's UP TO $25,000, but other places have mentioned it's from $2,000-$25,000, which makes it below small claims amounts.
Noob to Fat Wallet, so I'm sorry for beating a dead horse. For the last several weeks, I've been trying to figure if I need life insurance or not, and if so, what to get. I was approached by a Northwestern Mutual agent who represents a few colleagues of mine. He wanted to discuss my financial planning and recommended I look into whole life insurance as a mid-long term financial strategy. He seems like a decent guy, but I'm not sure I trust him.A little bit about me: I'm 27 years old, single, no kids, healthy, non-smoker, and my occupation is dentist. I've been working for 1 year now and I'm trying to put all the pieces in place for my financial future. I have been maxing out my Roth IRA since 2012 and have about a 3 month emergency fund saved up with a little over 10k in it. Debt wise, I have a 30k auto loan @ 1.9% and 330k in student loans ( ~255k @ 6.5% and ~75k @ 7.9%).Back to my question: The NML agent recommended I open a mixed term/whole life insurance policy now while I'm young and healthy so that I can get a low premium and accumulate tax-free money to use for any major purchases down the road (house, marriage, buying a dental office, etc). Down the road, as I need less term insurance, I would be able to convert it over to permanent life insurance without undergoing the medical underwriting. It all seemed to make sense in terms of the tax advantages and long term planning. However, after doing a TON of online reading, 99% of what I've read has led me to believe that whole life insurance is a bad situation in general and also that I may not need life insurance at all right now, whether it be term or otherwise.I am looking for a financial avenue to accumulate wealth for mid/long term with minimal risk and effort on my part. I don't have the desire right now to spend time researching different funds/indexes, etc to invest in. I would prefer to simply automatically deposit money into some sort account and let it do it's thing. Is anything out there that fits the bill? Or should I just put as much money as I can into paying back my student loans right now and forget about long term financial planning until it's all paid back? I have a very basic knowledge of the financial world (if that wasn't already made apparent by this post), so I appreciate your patience and help in this matter.
Beeoptions - Deposit $500 this week and get two risk free trades, expires 6/1/2013
Added on : Monday May 13th 2013 12:00:05 PM
Posted text from beeoptions:At beeoptions, we give you the tools to win but even the professionals can't avoid losing.
From 5/10-6/1 we're offering you the opportunity to trade risk-free! Deposit $500 between 5/10-6/1 and get two trades you can't lose-no matter what happens, your original investment is protected. Terms & Conditions: Trades are covered up to 500 USD/EUR/GBP. Trading turnover must be equal to refund x 10.beeoptions
From 5/10-6/1 we're offering you the opportunity to trade risk-free! Deposit $500 between 5/10-6/1 and get two trades you can't lose-no matter what happens, your original investment is protected. Terms & Conditions: Trades are covered up to 500 USD/EUR/GBP. Trading turnover must be equal to refund x 10.beeoptions
FREE Kindle Book - The Financial Professional's Guide to Communication ... - was $39.99
Added on : Monday May 13th 2013 03:00:03 AM
The Financial Professional's Guide to Communication: How to Strengthen Client Relationships and Build New Ones (Applied Corporate Finance) [Kindle Edition] - was $39.99Robert L. Finder (Author)http://www.amazon.com/dp/B00A7VNXI8Publication Date: October 18, 201218 Reviews ★★★★.5 Today, financial clients are profoundly skeptical. Theyve been burned. Their consultants and advisors talk too much, use too much confusing technical jargon, work from too many boilerplate scripts, repeat too many generic caveats and useless disclaimers. Above all, clients say, their advisors dont listen well, and dont link their own needs and views to the recommendations they present. To succeed in todays radically new environment, financial advisors must first transform the way they communicate. In The Financial Professionals Guide to Communication, one of the worlds leading experts on the financial client relationship shows them how to do precisely that. Drawing on his experience training elite financial professionals worldwide, Bob Finder shows how to actively listen, speak plainly with precision and passion, and engage clients with uncommon effectiveness. Finder demonstrates how to focus relentlessly on what matters most to each individual client, and then deliver intensely relevant recommendations with clarity and impact, in your own voice. Youll learn how to bring imagination, creativity, and even entertainment to your presentations and conversations, and use constructive criticism to keep improving with every new client meeting. Using these proven techniques, you can deliver truly extraordinary levels of professionalism and service, gain the powerful new competitive edge youre desperately searching for and earn equally powerful rewards for yourself.About the Author
Robert L. Finder, Jr., is a Managing Director for a national financial services firm, working closely with financial professionals to develop wealth management solutions for high net worth individuals and their families, businesses, institutions, and retirement funds. He was previously Executive Director of Wealth Management Solutions at Prudential Investments in Newark, NJ, and also served as National Sales Manager for the Managed Accounts Consulting Group. Mr. Finder was President and Chief Executive Officer of Johnson Heritage Trust Company in Racine, WI, and Landmark Trust Company in St. Louis, MO. Prior to that, he practiced estate planning and tax law.
He earned the designations of Certified Investment Management Analyst (CIMA) and Certified Investment Strategist (CIS) from the Investment Management Consultants Association. Mr. Finder holds a B.A. in international relations from Memphis State University and a J.D. and LL.M. in taxation from Washington University School of Law.
Amazon Coupons
Robert L. Finder, Jr., is a Managing Director for a national financial services firm, working closely with financial professionals to develop wealth management solutions for high net worth individuals and their families, businesses, institutions, and retirement funds. He was previously Executive Director of Wealth Management Solutions at Prudential Investments in Newark, NJ, and also served as National Sales Manager for the Managed Accounts Consulting Group. Mr. Finder was President and Chief Executive Officer of Johnson Heritage Trust Company in Racine, WI, and Landmark Trust Company in St. Louis, MO. Prior to that, he practiced estate planning and tax law.
He earned the designations of Certified Investment Management Analyst (CIMA) and Certified Investment Strategist (CIS) from the Investment Management Consultants Association. Mr. Finder holds a B.A. in international relations from Memphis State University and a J.D. and LL.M. in taxation from Washington University School of Law.
Amazon Coupons
FREE Kindle Book - Secrets of the Big Data Revolution - was $19.69
Added on : Sunday May 12th 2013 08:00:07 AM
FREE Kindle Book - Secrets of the Big Data Revolution - was $19.69Secrets of the Big Data Revolution [Kindle Edition] - was $19.69Jason Kolb (Author), Jeremy Kolb (Author)http://www.amazon.com/dp/B00CLSW0RAPublication Date: April 18, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > MIS In 2010 Eric Schmidt, then CEO of Google, stated that we now create as much data every 2 days as we did from the dawn of man through 2003. In fact, in 1212 we created about 2.5 quintillion bytes of data daily--approximately 90% of all the world's data has been created in the past 2 years.Our world is transforming as the data deluge knocks us out of our old ways and into a data driven reality. Some companies are winning by taking advantages of the opportunities in this evolving world while others are falling behind. Big Data promises to give us a world driven by information and solid data, bringing far greater productivity, increased profits, and lower costs; and in "Secrets of the Big Data Revolution" we explore those winning strategies and techniques and the tools behind them. Want to learn how companies like Amazon, Target, and IBM use data to gain competitive advantages? Or how Obama used Big Data tools to better utilize his resources? "Secrets of the Big Data Revolution" was written for the non-or-only-slightly-technical business person in mind--but in a way that gives you enough meat behind the ideas so that you have a roadmap that tells you how to get where you want to go. It uses real-world examples and case studies to illustrates the concepts and explore the technology that makes them happen."Secrets of the Big Data Revolution" is comprised of four parts:Part 1: Data Science
In Part 1 we first introduce you to the world of data science and analytics. These are the tools companies and governments use to refine their crude data into valuable insights. In this section, we'll look at the magic behind Amazon's success, and see how data is leading towards a near Minority Report future.Part 2: Big Data
Data is growing at an exceptional rate, we produce more data now in a day than we did from the dawn of man till 2003. This explosion of data creates many unique struggles as well as opportunities. In this section we'll look at how Obama invested in Big Data during his presidential campaign, and explore how startups are revealing data that saves their clients substantial capital.Part 3: Tools of the trade
Data Scientists cannot just look at big data and get value from it, it doesn't matter how good they are. The data is just too big. So companies like IBM and Microsoft build tools that help people make sense of data, and hopefully discover new useful insights from it. The two primary categories of tools you need to be aware of are Business Intelligence and Data Discovery. In this section we explore these broad terms, and show how companies are designing more specialized tools for specific purposes.Part 4: Gazing into the Future
In order to position yourself well for what is to come you need to know where we are now and almost more importantly where we are going to be in the near future. In this section we explore the trends that are going to matter as we move forward in this emerging technology industry. Computerized Data Analytics is truly still in its early stages of development, and things are going to change as new innovations come to the forefront. If we are serious about gaining the data advantage, we need to stay ahead of this curve. "Secrets of the Big Data Revolution" is your tool to understanding this complex new reality of your world. Get it today and don't miss out on the data driven future.
Amazon Coupons
In Part 1 we first introduce you to the world of data science and analytics. These are the tools companies and governments use to refine their crude data into valuable insights. In this section, we'll look at the magic behind Amazon's success, and see how data is leading towards a near Minority Report future.Part 2: Big Data
Data is growing at an exceptional rate, we produce more data now in a day than we did from the dawn of man till 2003. This explosion of data creates many unique struggles as well as opportunities. In this section we'll look at how Obama invested in Big Data during his presidential campaign, and explore how startups are revealing data that saves their clients substantial capital.Part 3: Tools of the trade
Data Scientists cannot just look at big data and get value from it, it doesn't matter how good they are. The data is just too big. So companies like IBM and Microsoft build tools that help people make sense of data, and hopefully discover new useful insights from it. The two primary categories of tools you need to be aware of are Business Intelligence and Data Discovery. In this section we explore these broad terms, and show how companies are designing more specialized tools for specific purposes.Part 4: Gazing into the Future
In order to position yourself well for what is to come you need to know where we are now and almost more importantly where we are going to be in the near future. In this section we explore the trends that are going to matter as we move forward in this emerging technology industry. Computerized Data Analytics is truly still in its early stages of development, and things are going to change as new innovations come to the forefront. If we are serious about gaining the data advantage, we need to stay ahead of this curve. "Secrets of the Big Data Revolution" is your tool to understanding this complex new reality of your world. Get it today and don't miss out on the data driven future.
Amazon Coupons
Kmart in-store or kmart.com E-Z Up Sierra II 10 x 10 Canopy $58.88
Added on : Sunday May 12th 2013 07:00:03 AM
Kmart ad page 1
www.kmart.com see the weekly adText
E-Z Up Sierra II Canopy
Kmart Item# 089W018480690001 | Model# SE2S10BLHWDRBA Sun Safety In Comfort With The E-Z Up Sierra IIWhether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.Safer than most, the canopyfeatures a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Kmart.com Coupons
www.kmart.com see the weekly adText
E-Z Up Sierra II Canopy
Kmart Item# 089W018480690001 | Model# SE2S10BLHWDRBA Sun Safety In Comfort With The E-Z Up Sierra IIWhether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.Safer than most, the canopyfeatures a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Kmart.com Coupons
Men's Katahdin Iron Works Sweatshirt, Quarter-Zip Hooded Gray Heather $64.00 sale $39.99 llbean.com
Added on : Saturday May 11th 2013 05:00:08 PM
Katahdin Iron Works Sweatshirt, Quarter-Zip Hooded
Text
Regular
Tall
.http://www.llbean.com
Item #:TK278115 $64.00 sale $39.99 Save $24.01 (38% Off)
Color: Gray HeatherHeavy-duty fleece has our incredibly water-repellent Nor'easter cotton finish
Cotton/poly fabric lined with soft berber fleece
Specially designed hood fits over a baseball cap
Comfortable cotton/poly fabric. Stay warm, dry and comfortable no matter the weather in our job-tested, water-repellent hooded sweatshirt. On cold days, the quarter-zip keeps your neck warm and protects it from the wind. As temperatures rise, the quarter-zip allows for easy venting. The specially designed hood seals out the cold and fits well even over a baseball cap. The heavy-duty fleece shell has our incredibly durable Nor'easter cotton finish to protect you from rain or snow. Underarm gussets allow you to reach and stretch with ease. Front kangaroo pocket with a unique Velcro-closure pocket inside. Two on-seam side pockets with mesh security pockets hidden inside. Imported. Machine wash and dry.
L.L.Bean Coupons
Text
Regular
Tall
.http://www.llbean.com
Item #:TK278115 $64.00 sale $39.99 Save $24.01 (38% Off)
Color: Gray HeatherHeavy-duty fleece has our incredibly water-repellent Nor'easter cotton finish
Cotton/poly fabric lined with soft berber fleece
Specially designed hood fits over a baseball cap
Comfortable cotton/poly fabric. Stay warm, dry and comfortable no matter the weather in our job-tested, water-repellent hooded sweatshirt. On cold days, the quarter-zip keeps your neck warm and protects it from the wind. As temperatures rise, the quarter-zip allows for easy venting. The specially designed hood seals out the cold and fits well even over a baseball cap. The heavy-duty fleece shell has our incredibly durable Nor'easter cotton finish to protect you from rain or snow. Underarm gussets allow you to reach and stretch with ease. Front kangaroo pocket with a unique Velcro-closure pocket inside. Two on-seam side pockets with mesh security pockets hidden inside. Imported. Machine wash and dry.
L.L.Bean Coupons
Legal issue from business investment - do I have any options?
Added on : Saturday May 11th 2013 01:00:03 PM
I owned a business, had an office, employees, etc. I did this for 8 years. I was good to my employees and business was good while it lasted.We hired a person about 2 years before closing - an older mature gentleman - to do IT work for us, who was also working on his own business but needed some part-time work to supplement his income. We became fast friends because of our common interests.He asked me to invest in his business several times; I politely declined. His business was exploding at the time...he needed help. I thought he was a great guy, felt bad for his limited resources and would offer him lots of good advice but felt uneasy about giving up cash since I needed it for my own business.At one point, my business was slowing down and his was gaining a lot of momentum. He came to me with a different idea...to share a FT employee with me so I could keep her and she could stay busy and, in exchange, I would get an equity stake in his business. He also agreed to a 24-month buyout clause because I was nervous about the state of affairs in my business. We drew up a contract and were good to go. I was happy that everyone was happy. Things went pretty well and I made sure we had lots of emails and a contract to protect us both. The buyout clause stated that, if at anytime during the 24 months, I wanted out of the investment, he would pay me a lump-sum amount for every month the resource was provided.Things steadily got slower with my business and 12 months after the contract was signed, I decided to close on my business. It was tough. I had to layoff employees, clean up the office, get rid of supplies and equipment. As part of this, I told him I wanted out of the contract which resulted in a buyout payment to me of $40k. I felt bad that I was abandoning him, but I hung in there as long as I could.Keep in mind, his business is probably worth about $5m today but I still want nothing to do with it. As it was starting to grow for him and money became big, he changed and things were stressful. I decided I would just rather bail and say "good riddance" to him.After telling him I wanted out, 30 days later he still hadn't said anything about re-payment, so I sent a follow-up email. He flipped out, ugly words were said and he came up with many reasons why he should not pay back the full value of the contract.Now, he had provided a laundry list of "expenses" that I owe to the tune of $4,000 and he tells me he's not going to pay me a dime until "we" agree on the matters. These "expenses" include his time in getting his belongings from our office after we closed the business (he valued himself at $50/hour and said it resulted in 12 hours of work) and reimbursement for a $100 gift card (with a greeting card) that he gave to me for helping him out of a tough situation.The amount is too big for small claims. Unless I agree to the $36,000, he will not pay me a dime. His expenses are frivolous and wouldn't hold up in small claims court. Can I somehow agree to his demands, but then sue him after I have the $36k in hand? Otherwise, I think i will have to get an attorney and that is going to be costly.I spent a lot trying to close my business and liquidate everyhing and have limited funds these days, so this is causing a lot of stress.8 years and I never needed one and now this. What a bummer!!!Isn't what he's doing blackmail? If I don't agree to his demands, he won't pay me anything? I'm assuming if I verbally agree, he is going to want something signed with me stating I won't sue him.
http://offers.cbslocal.com/deal/36148/up-to-53-percent-off-the-g...Up to 53% off the Golf Card International
Save on annual memberships and pitching wedgesDescriptionWhy You Should Buy: Whether its slipping the hostess a bill, skipping the line or making sure youre always on the right list, youve mastered the art of connections. Expand your grasp with a membership to Golf Card International for you and even a friend.What You Can Choose:$29 for a one year membership for one player ($59 value)
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What You Should Know: Membership to the Golf Card International qualifies you for major savings on green fees at almost 3,000 courses, across the US, Canada and Mexico. Youll also get exclusive discounts on select pro shop purchases and other club benefits. Up the ante by added a Deep-Cut Precision Pitching Wedge to your game, maximizing back spin and adding control to your swings. Trust us; youll be the man (no matter what country). Redemption Instructions
Purchase this CBS Local Offers Voucher and receive a unique voucher code in your email. Please click here and enter your voucher code. Complete the online form and hit submit. You will receive a temporary membership card via email golfcard@thinkcherry.com for immediate usage and your annual membership card will be mailed to you physical address (along with your Pitching Wedge, if applicable). Please email with any questions or concerns. Promotional value expires 12 months from date of purchase; membership expires 12 months from date of activation. Contact Us
If you should have additional questions or concerns, please contact our Customer Service Department:
We want to hear from you!
Save on annual memberships and pitching wedgesDescriptionWhy You Should Buy: Whether its slipping the hostess a bill, skipping the line or making sure youre always on the right list, youve mastered the art of connections. Expand your grasp with a membership to Golf Card International for you and even a friend.What You Can Choose:$29 for a one year membership for one player ($59 value)
$55 for a one year membership for two players ($109.95 value)
$69 for a one year membership for one player and a deep-cut precision pitching wedge ($148 value)
$98 for a one year membership for two players and a deep-cut precision pitching wedge ($198.95 value)
What You Should Know: Membership to the Golf Card International qualifies you for major savings on green fees at almost 3,000 courses, across the US, Canada and Mexico. Youll also get exclusive discounts on select pro shop purchases and other club benefits. Up the ante by added a Deep-Cut Precision Pitching Wedge to your game, maximizing back spin and adding control to your swings. Trust us; youll be the man (no matter what country). Redemption Instructions
Purchase this CBS Local Offers Voucher and receive a unique voucher code in your email. Please click here and enter your voucher code. Complete the online form and hit submit. You will receive a temporary membership card via email golfcard@thinkcherry.com for immediate usage and your annual membership card will be mailed to you physical address (along with your Pitching Wedge, if applicable). Please email with any questions or concerns. Promotional value expires 12 months from date of purchase; membership expires 12 months from date of activation. Contact Us
If you should have additional questions or concerns, please contact our Customer Service Department:
We want to hear from you!
Staples AD 5/12-18 $10 Case Ream paper a rwds Limit 2, $10 16gb flash drive, $3aer Photo Ppaer
Added on : Thursday May 09th 2013 05:00:07 AM
http://weeklyad.staples.com/Staples/BrowseByPage?StoreID=2278456...
It's like paying $9.99
You pay $48.99 - $39 back in rewards = $9.99 after Staples Rewards
Save $39
Valid May 12 - May 18
In store only. Limit 2 per customer.
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Item: 897802
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20 lb.
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Item: 642311
Model: SDCZ50-016G-B35Take your favorite files with you on the small and very portable SanDisk Cruzer Blade USB flash drive.
The ultra-compact and portable Cruzer Blade USB flash drive. It's the small, swift way to save and transfer your digital content from computer to computer, or take it on-the-go.
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Includes Sandisk Secure Access Software
Also includes secure online backup (up to 2GB* optionally available) offered by YuuWaa
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Staples Coupons
It's like paying $9.99
You pay $48.99 - $39 back in rewards = $9.99 after Staples Rewards
Save $39
Valid May 12 - May 18
In store only. Limit 2 per customer.
Add to In-Store List
Check In-Store Availability
Item: 897802
Model: 20472-USStaples Copy Paper Select- Bright White for High Contrast
20 lb.
94 US / 106 Euro Bright
Bright white paper provides better contrast
Works great in your laser or inkjet printer
Acid free - will not yellow or crum**************
$9.99
Item: 642311
Model: SDCZ50-016G-B35Take your favorite files with you on the small and very portable SanDisk Cruzer Blade USB flash drive.
The ultra-compact and portable Cruzer Blade USB flash drive. It's the small, swift way to save and transfer your digital content from computer to computer, or take it on-the-go.
16GB
USB 2.0 / AES Encryption (128-Bit) Data Security
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Includes Sandisk Secure Access Software
Also includes secure online backup (up to 2GB* optionally available) offered by YuuWaa
When your data matters, you can trust SanDisk
Staples Coupons
Gun Digest eBook: Combat Shooting with Massad Ayoob (46% off Retail) $9.99
Added on : Wednesday May 08th 2013 08:00:07 AM
Gun Digest eBook: Combat Shooting with Massad Ayoob (46% off Retail) $9.99http://www.gearhog.com/Deal Overview
Combat Shooting with Massad Ayoob (Digital PDF DownloadFormat: eBookThis digital version of Combat Shooting with Massad Ayoob features all of the critical self-defense, tactical and concealed carry information of the print book in a single PDF download. (21 MB)Table of ContentsChapter One: Mindset
Chapter Two: Learning Combat Shooting
Chapter Three: Three Gunfighters
Chapter Four: Competition as Training
Chapter Five: ChoicesA Word from the Author, Massad Ayoob"I started this book with the section on mindset, because that's where it all begins with the practitioner and therefore, is the core of the matter. "Next comes a structured guide to learning combat shooting, because that's where the practitioner gains the ability to weave together the necessary elements of this multidimensional discipline."In the middle of the book we analyze the experience of three gunfighters who all 'faced the elephant' more than once. It's striking how much they have in common, and on how many levels."Next is an introduction to the competitive element of combat shooting, and a rationale for why - though it's not complete training in and of itself - competition can be an extremely useful component of training, skill maintenance, and skill assessment. "Finally, we close with some of the choices the serious combat handgunner has to make if they're going to get the most out of the whole endeavor."
Combat Shooting with Massad Ayoob (Digital PDF DownloadFormat: eBookThis digital version of Combat Shooting with Massad Ayoob features all of the critical self-defense, tactical and concealed carry information of the print book in a single PDF download. (21 MB)Table of ContentsChapter One: Mindset
Chapter Two: Learning Combat Shooting
Chapter Three: Three Gunfighters
Chapter Four: Competition as Training
Chapter Five: ChoicesA Word from the Author, Massad Ayoob"I started this book with the section on mindset, because that's where it all begins with the practitioner and therefore, is the core of the matter. "Next comes a structured guide to learning combat shooting, because that's where the practitioner gains the ability to weave together the necessary elements of this multidimensional discipline."In the middle of the book we analyze the experience of three gunfighters who all 'faced the elephant' more than once. It's striking how much they have in common, and on how many levels."Next is an introduction to the competitive element of combat shooting, and a rationale for why - though it's not complete training in and of itself - competition can be an extremely useful component of training, skill maintenance, and skill assessment. "Finally, we close with some of the choices the serious combat handgunner has to make if they're going to get the most out of the whole endeavor."
NEW GE 14.1 MP camera from Sears $59.99, free ship order over $59 or free store pickup.GE cameraGE Power 14MP Digital Camera Is Powerful Yet User-Friendly
Take digital photos like a pro with this GE Power Pro Series Digital Camera 14MP from Sears. This X400 camera is powerful and versatile enough to call it a Pro Series, and yet still surprisingly easy to use. So whether you're serious about photography or you just want a good all-around camera for everyday use, you can expect to score some super high-quality pics.
This GE Power 14MP Digital Camera in black is a wide-angle powerhouse camera with plenty of features. A 14-megapixel sensor and 15x optical zoom ensure you always get a clear shot, even down to the smallest detail. Meanwhile, High Dynamic Range and low-light 3200 ISO help you take impeccable photos, even in low light conditions. And a plethora of shooting modes and presets make it easy to explore your artistic passions-Just like a pro.
This GE Power Pro Series Digital Camera-14MP from Sears offers the best of both worlds: Enough power to be called a Pro Sears in an easy-to-use design
Powerful technology and 14-megapixel (MP) sensor ensure you always get a good shot
Wide-angle design and 15x optical zoom help you capture any subject, no matter how big or small
High Dynamic Range and low-light 3200 ISO help you take impeccable low light photos
Compact black design goes where you go with styleMany shooting modes and presets help you explore your artistic side
Accessories Included: Lens cap, shoulder strap, USB cable, lens cap strapPossible coupon: $5 off $50+ order w/Coupon SEARS5OFF50
Sears Coupons
Take digital photos like a pro with this GE Power Pro Series Digital Camera 14MP from Sears. This X400 camera is powerful and versatile enough to call it a Pro Series, and yet still surprisingly easy to use. So whether you're serious about photography or you just want a good all-around camera for everyday use, you can expect to score some super high-quality pics.
This GE Power 14MP Digital Camera in black is a wide-angle powerhouse camera with plenty of features. A 14-megapixel sensor and 15x optical zoom ensure you always get a clear shot, even down to the smallest detail. Meanwhile, High Dynamic Range and low-light 3200 ISO help you take impeccable photos, even in low light conditions. And a plethora of shooting modes and presets make it easy to explore your artistic passions-Just like a pro.
This GE Power Pro Series Digital Camera-14MP from Sears offers the best of both worlds: Enough power to be called a Pro Sears in an easy-to-use design
Powerful technology and 14-megapixel (MP) sensor ensure you always get a good shot
Wide-angle design and 15x optical zoom help you capture any subject, no matter how big or small
High Dynamic Range and low-light 3200 ISO help you take impeccable low light photos
Compact black design goes where you go with styleMany shooting modes and presets help you explore your artistic side
Accessories Included: Lens cap, shoulder strap, USB cable, lens cap strapPossible coupon: $5 off $50+ order w/Coupon SEARS5OFF50
Sears Coupons
Office Depot FAR software for the week of 05/05/2013
QuickBooks Online Simple Start 2013 For PC/Mac [826-207] $89.99
Free After $10 Instant & $90 Mfr. Mail-In SavingsQuickBooks Enhanced Payroll 2013 [825-946] $279.99
Free After $50 Instant & $280 Mfr. Mail-In SavingsMcAfee Total Protection 2013 [830-743] $51.99
$4.99 After $8 Instant & $47 Mfr. Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $61.99
$7.99 After $8 Instant & $54 Mfr. Mail-In SavingsNorton Antivirus Backup 2013 [873-394] $49.99
$14.99 After $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
QuickBooks Online Simple Start 2013 For PC/Mac [826-207] $89.99
Free After $10 Instant & $90 Mfr. Mail-In SavingsQuickBooks Enhanced Payroll 2013 [825-946] $279.99
Free After $50 Instant & $280 Mfr. Mail-In SavingsMcAfee Total Protection 2013 [830-743] $51.99
$4.99 After $8 Instant & $47 Mfr. Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $61.99
$7.99 After $8 Instant & $54 Mfr. Mail-In SavingsNorton Antivirus Backup 2013 [873-394] $49.99
$14.99 After $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
starts 5/5 Toshiba 17.3" Laptop with 640gb/6gb Ram $399.99aer shipped Staples.com
Added on : Thursday May 02nd 2013 04:00:02 AM
http://www.staples.com/Toshiba-L875D-S7332-173-Laptop/product_98...LIVE SUNDAY 5/5 not prior$399.99
$549.99 - $100 instant savings - $50 easy rebate = $399.99 after easy rebate
Save $150
Valid May 5 - May 11
Add to In-Store List
Check In-Store Availability
Item: 984633
Model: L875D-S7332Ideal for students, light gamers, and families that want an affordable big-screen desktop replacement PC, the Satellite L875 laptop is a great choice, offering the right mix of style and performance
Whether you want to work, create or play, this Satellite L875D laptop is big on features to help you do it. Topping the bill is a huge 17.3" diagonal, widescreen, TruBrite HD+ display with LED backlighting great for watching movies, playing games or toggling through open windows. Students and families can also tap into lots of memory plus powerful AMD processor to multitask and make short work of todays popular apps
AMD A6-4400M Accelerated 2.7GHz up to 3.2GHz with AMD Turbo Core Technology 3.0 1MB L2 Cache Processor
6GB DDR3 1600MHz Memory, Expandable to 16GB
640GB 5400RPM Serial ATA Hard Disk
17.3 diagonal HD+ widescreen TruBrite TFT LED-backlit display (1600 x 900)
Windows 8Open up the Toshiba L875D-S7332 17.3" Satellite and immerse yourself in stunning visuals that enhance every computer-based activity you can think of, including gaming, Web surfing, editing photos and videos and working. The built-in webcam lets you stay connected with those who matter most to you, and the rechargeable six-cell battery ensures hours of use before you need to plug in your computer. A fast AMD processor and 6 GB memory keep things running quickly and smoothly.Incredible VisualsThis Toshiba Satellite features a display resolution with a 16:9 aspect ratio and converts your standard DVDs to look more like high-definition movies. An LED backlit display not only gives you a bright, even picture, but it also uses less power and warms up more quickly than a standard display.Intuitive OperationThe multi-touch touchpad lets you use gestures, including pinching, swiping and scrolling, to exert control over your onscreen experience. The full-size keyboard and numeric keypad let you type faster and enter gaming commands quickly. Impressive ConnectivityAn HDMI port, an Ethernet port, a USB 2.0 port and two USB 3.0 ports let you hook up external devices to your laptop so you can watch movies, explore the Internet and game in style. The USB port continues to charge any connected devices even when your computer is turned off. A memory card reader makes it easy to transfer digital files directly from your camera, smartphone or any other device that uses an SD card or memory stick. Eco-friendly FeaturesThe dual-core processors control battery use to make the most of your available power. You can monitor and adjust your power usage and settings with just a click using the included eco utility.View Full Details
$549.99 - $100 instant savings - $50 easy rebate = $399.99 after easy rebate
Save $150
Valid May 5 - May 11
Add to In-Store List
Check In-Store Availability
Item: 984633
Model: L875D-S7332Ideal for students, light gamers, and families that want an affordable big-screen desktop replacement PC, the Satellite L875 laptop is a great choice, offering the right mix of style and performance
Whether you want to work, create or play, this Satellite L875D laptop is big on features to help you do it. Topping the bill is a huge 17.3" diagonal, widescreen, TruBrite HD+ display with LED backlighting great for watching movies, playing games or toggling through open windows. Students and families can also tap into lots of memory plus powerful AMD processor to multitask and make short work of todays popular apps
AMD A6-4400M Accelerated 2.7GHz up to 3.2GHz with AMD Turbo Core Technology 3.0 1MB L2 Cache Processor
6GB DDR3 1600MHz Memory, Expandable to 16GB
640GB 5400RPM Serial ATA Hard Disk
17.3 diagonal HD+ widescreen TruBrite TFT LED-backlit display (1600 x 900)
Windows 8Open up the Toshiba L875D-S7332 17.3" Satellite and immerse yourself in stunning visuals that enhance every computer-based activity you can think of, including gaming, Web surfing, editing photos and videos and working. The built-in webcam lets you stay connected with those who matter most to you, and the rechargeable six-cell battery ensures hours of use before you need to plug in your computer. A fast AMD processor and 6 GB memory keep things running quickly and smoothly.Incredible VisualsThis Toshiba Satellite features a display resolution with a 16:9 aspect ratio and converts your standard DVDs to look more like high-definition movies. An LED backlit display not only gives you a bright, even picture, but it also uses less power and warms up more quickly than a standard display.Intuitive OperationThe multi-touch touchpad lets you use gestures, including pinching, swiping and scrolling, to exert control over your onscreen experience. The full-size keyboard and numeric keypad let you type faster and enter gaming commands quickly. Impressive ConnectivityAn HDMI port, an Ethernet port, a USB 2.0 port and two USB 3.0 ports let you hook up external devices to your laptop so you can watch movies, explore the Internet and game in style. The USB port continues to charge any connected devices even when your computer is turned off. A memory card reader makes it easy to transfer digital files directly from your camera, smartphone or any other device that uses an SD card or memory stick. Eco-friendly FeaturesThe dual-core processors control battery use to make the most of your available power. You can monitor and adjust your power usage and settings with just a click using the included eco utility.View Full Details
Researchers successfully predict stock market using Google Trends
Added on : Tuesday April 30th 2013 08:01:25 PM
http://www.forbes.com/sites/davidleinweber/2013/04/26/big-data-g...
http://news.yahoo.com/google-predicts-stock-market-crashes-study...TL;DR: Researchers were able to use Google Trends to predict the stock market. When more people searched for "debt", they shorted the DJIA. When fewer people searched for it, they went long. The results: a 326% return, as opposed to a 16% return for a buy-and-hold strategy.
This is really an incredible concept. So much of the market's performance is based on consumer confidence, but there's never been a good way to accurately measure that on any kind of scale, and without it taking so long to gather the information that it became worthless. Now with tools like Google Trends & Wikipedia statistics, you can use big data to measure these statistics for tens of millions of people, almost in real time.To really make anything of this, you'd need a few good data sources, several appropriate keywords, and an application of some sort to feed all of the data into (this would overwhelm something like Excel pretty darn quickly). I think the first two are pretty obvious - anyone have any thoughts on the 3rd?
DISCLAIMER: Obviously, this is primarily of interest academically, and as a matter of curiosity. Using a virtual trading account with fake money would certainly be interesting, but putting real money into something like this would probably be unwise, at least at this point.
http://news.yahoo.com/google-predicts-stock-market-crashes-study...TL;DR: Researchers were able to use Google Trends to predict the stock market. When more people searched for "debt", they shorted the DJIA. When fewer people searched for it, they went long. The results: a 326% return, as opposed to a 16% return for a buy-and-hold strategy.
This is really an incredible concept. So much of the market's performance is based on consumer confidence, but there's never been a good way to accurately measure that on any kind of scale, and without it taking so long to gather the information that it became worthless. Now with tools like Google Trends & Wikipedia statistics, you can use big data to measure these statistics for tens of millions of people, almost in real time.To really make anything of this, you'd need a few good data sources, several appropriate keywords, and an application of some sort to feed all of the data into (this would overwhelm something like Excel pretty darn quickly). I think the first two are pretty obvious - anyone have any thoughts on the 3rd?
DISCLAIMER: Obviously, this is primarily of interest academically, and as a matter of curiosity. Using a virtual trading account with fake money would certainly be interesting, but putting real money into something like this would probably be unwise, at least at this point.
Samsung Galaxy S4 @ 168 at amazon with 2 year AT&T contract
Added on : Tuesday April 30th 2013 08:00:13 AM
Hi Everyone,Since I was to buy Samsung Galaxy S4, I was following the prices very closely and finally today I ordered one!
The device is sold by Amazon @ 168 and it worked out better for me because I saved on taxes (so it made it better then the walmart deal)Amazon is selling both white and black versions @ 168, here are both links
White Frost - http://www.amazon.com/gp/product/B00CDZU40Q
Black Mist - http://www.amazon.com/gp/product/B00CDZTRFEFor some it may not matter but for those Amazon does not charge taxes it is the best deal.The Frys deal I posted few days ago is only in stores @ 149.99 + tax so that deal is only good for people who has FRYS in their area!
Amazon Coupons
The device is sold by Amazon @ 168 and it worked out better for me because I saved on taxes (so it made it better then the walmart deal)Amazon is selling both white and black versions @ 168, here are both links
White Frost - http://www.amazon.com/gp/product/B00CDZU40Q
Black Mist - http://www.amazon.com/gp/product/B00CDZTRFEFor some it may not matter but for those Amazon does not charge taxes it is the best deal.The Frys deal I posted few days ago is only in stores @ 149.99 + tax so that deal is only good for people who has FRYS in their area!
Amazon Coupons
SKYTEX SKYTAB S-series Windows 7 Tablet PC with ExoPC UI + Free Screen Protector $299 Free S/H
Added on : Tuesday April 30th 2013 06:00:11 AM
Got this from an email sent by Rakuten.com (formerly Buy.com), though it's sold by a third-party seller Tekgrabber.It has pretty good reviews on Rakuten. Anywhere else is selling this tablet at around $600. I am not a huge fan of tablets, no matter Android, iPad, or Wintel. But I don't mind enjoying some mobility as long as the price is right and sharing the data between the moblie unit and my workhorse PC can be as seam-less as possible. For this price I think I should give this light and reasonably powerful (based on the reviews) tablet a try, .SKYTEX SKYTAB S-series Windows 7 Tablet PC
Rakuten.com Shopping (formerly Buy.com) Coupons
Rakuten.com Shopping (formerly Buy.com) Coupons
Auto Insurance Question - Driving Record Affecting Premium
Added on : Monday April 29th 2013 01:01:17 PM
My insurance is up for renewal in July - I am on a 6 month renewal term. I had a bad year a while back, with 2 accidents and a speeding ticket. I have also been insuring my almost 18 yr old daughter for a couple of years. Needless to say, my rates have been high. It has now been over three years since my accidents/ticket, so I have shopped around for some quotes. I have been paying about $1600 every 6 months for three drivers and three cars in Ohio. A recent quote with Esurance is for $980. I had a conversation with my insurance agent (American Family), and she says she can't change my rates in the middle of my term even though my accidents have fallen off the radar. She also can't (or won't) quote me new rates until renewal time. The logic is that a change also wouldn't be made in the middle of the term if I had a couple of accidents, only at renewal time. Should I wait 3 months for the renewal period to see if my American Family renewal comes in lower, or should I jump ship now to a different insurance with lower rates? Does it matter if I have had 3 different insurance companies in the past 3 years?Also, my daughter will be going off to college in the fall in Hawaii, so I will definitely not be insuring her or a third car while she is in school. I intend to drop her off the insurance at that time, and will probably also sell one of my cars. Is that a good move? Is that a change I will be able to make in the middle of the renewal period, or will I have to change insurance companies again to see an immediate change? Should I keep her insured even though there is no possibility of her driving one of my cars in Ohio? She probably won't be home at Christmas time, but possibly summer.
Craftsman 100 foot. All Rubber Hose ( Full Lifetime Warranty ) $29.99 ( Reg. Price $59.99 ) Store Pick Up @ SEARS
Added on : Sunday April 28th 2013 02:00:29 AM
Craftsman 100 ft. All Rubber Hose (Full Lifetime Warranty) $29.99 (Reg. Price $59.99) Store Pick Up ( Start 4/28 ) @ Sears http://www.sears.com/craftsman-5-8-in-x-100-ft-all-rubber/p-0716... ( Full Lifetime Warranty ) A resilient build allows this garden hose to withstand hot water temperatures up to 160F while remaining flexible and easy to use all the way down to -25F, so you can use this hose in the garden, driveway, to flush the water heater, or drain a pool for winter. No matter how you need to move your water, this tough garden hose will help. And forget about corroded couplers that you need a pair of pliers to get on and off, the nickel plating on each of the hose-ends ensure easy use for years to come. A solid piece of equipment you can count on, get that water moving with Craftsman.
Garden hose features a new concave hexagonal shape
Durable rubber matrix stands up to abrasion
Reinforced radial tire cord provides 500 psi burst strengthCrush-proof brass
Sears Coupons
Garden hose features a new concave hexagonal shape
Durable rubber matrix stands up to abrasion
Reinforced radial tire cord provides 500 psi burst strengthCrush-proof brass
Sears Coupons
For the first time, the full, non-beta version of the Swype keyboard (Version 1.5) is available on Google Play. It is available for a limited time at the introductory price of $0.99Swype on Google PlayAs always, there will be some discussion as to which keyboard is best (Swype, Swiftkey, and all of the others), but at the end of the day it's really a matter of personal preference. For swype-type input, I personally find Swype is superior to and more accurate than Swiftkey Flow. For typing, Swiftkey's word prediction algorithms can't be beat. But, of course, YMMV. Swype, like Swiftkey, can be used for swyping, typing, tapping, or talking. Also, version 1.5 works for both phones and tablets. Either way, I think Swype is a bargain at $0.99.
E-Z Up Sierra II Canopy 10x10 - $55 Kmart in store pick up
Added on : Wednesday April 24th 2013 03:00:12 PM
Link to dealUse coupon code KMARTMUST for $5 off $45
Also don't forget 5% CB from FatWallet!! Brings the total down to $52.25
Product DescriptionSun Safety In Comfort With The E-Z Up Sierra II
Whether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.
Safer than most, the canopy features a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.
Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.
So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!
Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Kmart.com Coupons
Also don't forget 5% CB from FatWallet!! Brings the total down to $52.25
Product DescriptionSun Safety In Comfort With The E-Z Up Sierra II
Whether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.
Safer than most, the canopy features a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.
Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.
So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!
Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Kmart.com Coupons
Financial and Legal Considerations for an Unmarried Couple
Added on : Wednesday April 24th 2013 03:01:33 AM
I apologize in advance for using an altID, but when I originally signed up for FW, I made the error of selecting a username that gives away my full name, and I don't want to link together my name, current/former addresses (thanks pipl), income, assets, etc. on a public forum. Plus this username was available.Anyway, I am in a committed relationship where we are considering the option of remaining unmarried. For the record, we are still planning on getting (non-diamond) rings and having a reception/ceremony. It's just that we're also considering not signing any legal paperwork. We live in California. The primary concerns here are the marriage penalty, how that will change in the future based on significant life changes (from what I've calculated, it only gets worse), and how to deal with any rights/benefits we give up by not getting married. It seems we just might be creeping into AMT territory as well. We're 31 and 28, and I expect our salary increases to outpace increases in the AMT deduction, etc., so AMT may matter even more as time goes on. Anyway, here is a snapshot of our current financial situation:My income: $115k salary + $15k bonus + $25k stock options/RSU + $3k ESPP = $158k.
My investment income: $5k interest and dividends, also capital gains, but it's hard to predict what/when I sell.
Her income: $129k salary + $1k bonus = $130k.
Our retirement: I max out my 401(k) at $17.5k/year. She contributes 5% to a pension plan automatically. I believe she has some tax-deferred options available, but they're not set up (new job as of a few months ago). I'll go through her paperwork and make sure it's maxed out by the end of the year. (Also just learned about Backdoor ROTH -- will add this in, but I don't think it has any tax/marriage implications.)
Our assets: ~$750k, mostly in stocks or mutual funds, $25k of which is hers. About $150k of the total is in retirement funds.
Our debt: I have $16k of student loan debt @ 3% that I'm paying the minimum on.We're currently putting aside $6k/month ($3k each) into a joint account as a down payment for a $1M+ home within the next few years. The rest of our finances are separate. We plan to solely rely on "new" money for any joint purchases and to not liquidate any of our existing assets to buy a home, etc. More to the point, if we are in still in the AMT bracket after purchasing a home (mortgage interest might help keep us out for a little while), we will not be able to deduct property tax if married. Additionally, in the future, we're also considering having children (1 or 2), which could mean HoH filing status if we were still legally single.I want to establish a sort of checklist of things to consider that I may have not thought of already in my own external research and from extracting bits and pieces from various similar threads in the FWF archives. So far, this is what I've come up with (there are some things that I've omitted that don't apply to our particular situation):Health insurance: Currently, my company pays 100% of my premium, and allows me to add a spouse/dependents for free. She currently pays $100/month (her employer pays the rest), so this $1200/year would alleviate the marriage penalty somewhat.
Inheritance: She is my current beneficiary on all of my retirement accounts, as I am on hers. I have filed ToD paperwork for all of my brokerage accounts naming her as the sole beneficiary. I have named her as my sole beneficiary on my Group Life (hmm, I haven't checked hers... I'll make a note to look into this) and all stock awards.
SS/Pension Survivor Benefits: Only available if married. My thought here was that we could get married when we are at/near retirement age if we wanted to have access to this. We'd still be uncovered in the case of an early accidental death.
Capital gains (if > $250k) exclusion for sale of a home: Currently we do not own a home, but it seems that we could just get married if we found ourselves in this situation.
No bereavement leave from our employers with respect to each other's families: I don't see a way around this.
Lower insurance rates: Not a big concern because our insurance rates are very low to begin with (currently driving older/used cars, so liability only). While we admire fancy cars, neither of us really wants to purchase one.
Durable PoA (both healthcare and finance) and living will: Needs to be done.
Will: Seems redundant since she's already the beneficiary of all of my accounts/assets. But I guess it can't hurt. Also allows me to name an executor, although that in itself isn't related to being married or not.
So that's about everything I've pieced together. I'd be really interested in seeing if I missed anything. And if you made it all the way to the end of my post, thanks.
My investment income: $5k interest and dividends, also capital gains, but it's hard to predict what/when I sell.
Her income: $129k salary + $1k bonus = $130k.
Our retirement: I max out my 401(k) at $17.5k/year. She contributes 5% to a pension plan automatically. I believe she has some tax-deferred options available, but they're not set up (new job as of a few months ago). I'll go through her paperwork and make sure it's maxed out by the end of the year. (Also just learned about Backdoor ROTH -- will add this in, but I don't think it has any tax/marriage implications.)
Our assets: ~$750k, mostly in stocks or mutual funds, $25k of which is hers. About $150k of the total is in retirement funds.
Our debt: I have $16k of student loan debt @ 3% that I'm paying the minimum on.We're currently putting aside $6k/month ($3k each) into a joint account as a down payment for a $1M+ home within the next few years. The rest of our finances are separate. We plan to solely rely on "new" money for any joint purchases and to not liquidate any of our existing assets to buy a home, etc. More to the point, if we are in still in the AMT bracket after purchasing a home (mortgage interest might help keep us out for a little while), we will not be able to deduct property tax if married. Additionally, in the future, we're also considering having children (1 or 2), which could mean HoH filing status if we were still legally single.I want to establish a sort of checklist of things to consider that I may have not thought of already in my own external research and from extracting bits and pieces from various similar threads in the FWF archives. So far, this is what I've come up with (there are some things that I've omitted that don't apply to our particular situation):Health insurance: Currently, my company pays 100% of my premium, and allows me to add a spouse/dependents for free. She currently pays $100/month (her employer pays the rest), so this $1200/year would alleviate the marriage penalty somewhat.
Inheritance: She is my current beneficiary on all of my retirement accounts, as I am on hers. I have filed ToD paperwork for all of my brokerage accounts naming her as the sole beneficiary. I have named her as my sole beneficiary on my Group Life (hmm, I haven't checked hers... I'll make a note to look into this) and all stock awards.
SS/Pension Survivor Benefits: Only available if married. My thought here was that we could get married when we are at/near retirement age if we wanted to have access to this. We'd still be uncovered in the case of an early accidental death.
Capital gains (if > $250k) exclusion for sale of a home: Currently we do not own a home, but it seems that we could just get married if we found ourselves in this situation.
No bereavement leave from our employers with respect to each other's families: I don't see a way around this.
Lower insurance rates: Not a big concern because our insurance rates are very low to begin with (currently driving older/used cars, so liability only). While we admire fancy cars, neither of us really wants to purchase one.
Durable PoA (both healthcare and finance) and living will: Needs to be done.
Will: Seems redundant since she's already the beneficiary of all of my accounts/assets. But I guess it can't hurt. Also allows me to name an executor, although that in itself isn't related to being married or not.
So that's about everything I've pieced together. I'd be really interested in seeing if I missed anything. And if you made it all the way to the end of my post, thanks.
I was driving to St. Louis this weekend from Chicago for a family event.On 55N I was clocked doing 80 in a 65 in Logan County, IL and pulled over by a State Trooper.It was a quick transaction - I didn't have anything to say and the officer had only his faux "be careful" speech while handing me over the little slip of revenue generation.I have a clean driving record - last time I recall getting a ticket was probably 5+ years ago during a yearly speed-trap event set up near my home. I don't recall, but I'm sure I would have taken the traffic school option to not effect my license.The ticket is for $120. I'm out that money no matter what. My option is to request "court supervision" where, somehow - even though the ticket is still reported, it won't be a mark on my license.I talked with an attorney out of that county and they say it will cost $300 to get court supervision on top of the $120 ticket. This is the county fee - not the attorney.So I have the option of paying $300 more for the mark not to appear on my license. I'm curious as to how much this would actually effect my insurance rates were it to reach my license.Is $300 now better than the higher insurance rates I will pay for the next 2-3 years?If I want to go the court supervision route, I then need to decide whether I want to drive the 6 hours round trip out to Logan County or pay the attorney $250 to take care of it for me.
That's a net $200 after gas - and a day I need to take off of work.WWYD?
That's a net $200 after gas - and a day I need to take off of work.WWYD?
FREE Kindle Book - Firms of Endearment: How World-Class Companies Profit from Passion and Purpose - was $39.99
Added on : Monday April 22nd 2013 09:00:08 AM
Firms of Endearment: How World-Class Companies Profit from Passion and Purpose [Kindle Edition] - was $39.99Jagdish N. Sheth (Author), Rajendra S. Sisodia (Author), David B. Wolfe (Author)http://www.amazon.com/dp/B0093J9OPG
Publication Date: January 30, 200330 Reviews ★★★★.5Todays best companies get it. From Costco to Commerce Bank, Wegmans to Whole Foods: theyre becoming the ultimate value creators. Theyre generating every form of value that matters: emotional, experiential, social, and financial. And theyre doing it for all their stakeholders. Not because its politically correct: because its the only path to long-term competitive advantage.
These are the Firms of Endearment. Companies people love doing business with. Love partnering with. Love working for. Love investing in. Companies for whom loyalty isnt just real: its palpable, and driving unbeatable advantages in everything from marketing to recruitment.
You need to become one of those companies. This book will show you how. Youll find specific, practical guidance on transforming every relationship you have: with customers, associates, partners, investors, and society. If you want to be greattruly greatthis is your blueprint.
Were entering an Age of Transcendence, as people increasingly search for higher meaning in their lives, not just more possessions. This is transforming the marketplace, the workplace, the very soul of capitalism. Increasingly, todays most successful companies are bringing love, joy, authenticity, empathy, and soulfulness into their businesses: they are delivering emotional, experiential, and social valuenot just profits.
Firms of Endearment illuminates this, the most fundamental transformation in capitalism since Adam Smith. Its not about corporate social responsibility: its about building companies that can sustain success in a radically new era. Its about great companies like IDEO and IKEA, Commerce Bank and Costco, Wegmans and Whole Foods: how they earn the powerful loyalty and affection that enables truly breathtaking performance.
This book is about gaining share of heart, not just share of wallet. Its about aligning stakeholders interests, not just juggling them. Its about building companies that leave the world a better place. Most of all, its about why you must do all this, or risk being left in the dust... and how to get there from wherever you are now.About the Authors
Rajendra S. Sisodia
Raj is professor of marketing and founding director of the Center for Marketing Technology at Bentley College. He has a Ph.D. in marketing and business policy from Columbia University. He has published nearly 100 articles in journals such as Harvard Business Review, Journal of Marketing, Journal of Business Strategy, Journal of Business Research, and many others. He also writes frequently for the wall street journal. His research, teaching, and consulting expertise spans the areas of strategic marketing, marketing productivity, marketing ethics, and stakeholder-based marketing. In 2003, he was cited as one of 50 Leading Marketing Thinkers by the U.K.-based Chartered Institute of Marketing. Raj consults with and provides executive seminars for companies in various industries. Clients have included Sprint, Volvo, and IBM, to name a few. He coauthored The Rule of Three (Free Press, 2002) with Jag Sheth. Other recent books include Tectonic Shift: The Geoeconomic Realignment of Globalizing Markets (Sage Publications, 2006) and Does Marketing Need Reform? (M.E. Sharpe, Inc., 2006), both with Jag Sheth. Forthcoming books include The 4As of Marketing and Marketing Management (John Wiley & Sons), also with Jag Sheth.
David B. Wolfe
David is an internationally recognized customer behavior expert in middle-age and older markets. He is the author of Serving the Ageless Market (McGraw-Hill, 1990) and more recently Ageless Marketing: Strategies for Connecting with the Hearts and Minds of the New Customer Majority (Dearborn Publishing, 2003). Davids consulting assignments have taken him to Asia, Africa, Europe, and throughout North America. He is widely published in publications in the United States and abroad. He has consulted to numerous Fortune 100 companies, including American Express, AT&T, Coca-Cola, General Motors, Hartford Insurance, Marriott, MetLife, Prudential Securities, and Textron.
Jagdish N. Sheth
Jag is the Charles H. Kellstadt Professor of Marketing in the Goizueta Business School at Emory University. He has published 26 books, more than 200 articles, and is nationally and internationally known for his scholarly contributions in consumer behavior, relationship marketing, competitive strategy, and geopolitical analysis. His book The Rule of Three (Free Press, 2002), coauthored with Raj Sisodia, has altered current notions on competition in business. This book has been translated into five languages and was the subject of a seven-part television series by CNBC Asia. Jags list of consulting clients around the world is long and impressive, including AT&T, GE, Motorola, Whirlpool, and 3M, to name just a few. He is frequently quoted and interviewed by the wall street journal, New York Times, Fortune, Financial Times, and radio shows and television networks such as CNN, Lou Dobbs, and more. He is also on the board of directors of several public companies. In 2004, he was honored with the two highest awards bestowed by the American Marketing Association: the Richard D. Irwin Distinguished Marketing Educator Award and the Charles Coolidge Parlin Award.
Amazon Coupons
Publication Date: January 30, 200330 Reviews ★★★★.5Todays best companies get it. From Costco to Commerce Bank, Wegmans to Whole Foods: theyre becoming the ultimate value creators. Theyre generating every form of value that matters: emotional, experiential, social, and financial. And theyre doing it for all their stakeholders. Not because its politically correct: because its the only path to long-term competitive advantage.
These are the Firms of Endearment. Companies people love doing business with. Love partnering with. Love working for. Love investing in. Companies for whom loyalty isnt just real: its palpable, and driving unbeatable advantages in everything from marketing to recruitment.
You need to become one of those companies. This book will show you how. Youll find specific, practical guidance on transforming every relationship you have: with customers, associates, partners, investors, and society. If you want to be greattruly greatthis is your blueprint.
Were entering an Age of Transcendence, as people increasingly search for higher meaning in their lives, not just more possessions. This is transforming the marketplace, the workplace, the very soul of capitalism. Increasingly, todays most successful companies are bringing love, joy, authenticity, empathy, and soulfulness into their businesses: they are delivering emotional, experiential, and social valuenot just profits.
Firms of Endearment illuminates this, the most fundamental transformation in capitalism since Adam Smith. Its not about corporate social responsibility: its about building companies that can sustain success in a radically new era. Its about great companies like IDEO and IKEA, Commerce Bank and Costco, Wegmans and Whole Foods: how they earn the powerful loyalty and affection that enables truly breathtaking performance.
This book is about gaining share of heart, not just share of wallet. Its about aligning stakeholders interests, not just juggling them. Its about building companies that leave the world a better place. Most of all, its about why you must do all this, or risk being left in the dust... and how to get there from wherever you are now.About the Authors
Rajendra S. Sisodia
Raj is professor of marketing and founding director of the Center for Marketing Technology at Bentley College. He has a Ph.D. in marketing and business policy from Columbia University. He has published nearly 100 articles in journals such as Harvard Business Review, Journal of Marketing, Journal of Business Strategy, Journal of Business Research, and many others. He also writes frequently for the wall street journal. His research, teaching, and consulting expertise spans the areas of strategic marketing, marketing productivity, marketing ethics, and stakeholder-based marketing. In 2003, he was cited as one of 50 Leading Marketing Thinkers by the U.K.-based Chartered Institute of Marketing. Raj consults with and provides executive seminars for companies in various industries. Clients have included Sprint, Volvo, and IBM, to name a few. He coauthored The Rule of Three (Free Press, 2002) with Jag Sheth. Other recent books include Tectonic Shift: The Geoeconomic Realignment of Globalizing Markets (Sage Publications, 2006) and Does Marketing Need Reform? (M.E. Sharpe, Inc., 2006), both with Jag Sheth. Forthcoming books include The 4As of Marketing and Marketing Management (John Wiley & Sons), also with Jag Sheth.
David B. Wolfe
David is an internationally recognized customer behavior expert in middle-age and older markets. He is the author of Serving the Ageless Market (McGraw-Hill, 1990) and more recently Ageless Marketing: Strategies for Connecting with the Hearts and Minds of the New Customer Majority (Dearborn Publishing, 2003). Davids consulting assignments have taken him to Asia, Africa, Europe, and throughout North America. He is widely published in publications in the United States and abroad. He has consulted to numerous Fortune 100 companies, including American Express, AT&T, Coca-Cola, General Motors, Hartford Insurance, Marriott, MetLife, Prudential Securities, and Textron.
Jagdish N. Sheth
Jag is the Charles H. Kellstadt Professor of Marketing in the Goizueta Business School at Emory University. He has published 26 books, more than 200 articles, and is nationally and internationally known for his scholarly contributions in consumer behavior, relationship marketing, competitive strategy, and geopolitical analysis. His book The Rule of Three (Free Press, 2002), coauthored with Raj Sisodia, has altered current notions on competition in business. This book has been translated into five languages and was the subject of a seven-part television series by CNBC Asia. Jags list of consulting clients around the world is long and impressive, including AT&T, GE, Motorola, Whirlpool, and 3M, to name just a few. He is frequently quoted and interviewed by the wall street journal, New York Times, Fortune, Financial Times, and radio shows and television networks such as CNN, Lou Dobbs, and more. He is also on the board of directors of several public companies. In 2004, he was honored with the two highest awards bestowed by the American Marketing Association: the Richard D. Irwin Distinguished Marketing Educator Award and the Charles Coolidge Parlin Award.
Amazon Coupons
Logitech K360 Wireless Keyboard $19.99 Staples 3 Styles FS with Member 4-27 Online
Added on : Sunday April 21st 2013 04:00:06 AM
Don't forget fatwallet 2.5% CashBack!Today only[THE DEAL is still going to the 27th], it uses the universal Logitech receiver.
Price and coupon shows up after near complete check out.
3 styles : Ink Gears / Gloss Black / White Paisley
20% smaller than standard keyboardhttp://www.staples.com/Logitech-K360-Wireless-Keyboard-Ink-Gears...
http://www.staples.com/Logitech-K360-Wireless-Keyboard-Gloss-Bla...
http://www.staples.com/Logitech-K360-Wireless-Keyboards-White-Pa...Reward Member for Staples is free, Sign up below.
https://www.staplesrewardscenter.com/SORC/UserManagement/Login/L...Product DetailsLogitech K360 Wireless Compact Ink Gears Keyboard - The wireless keyboard thats beautifully convenient and conveniently compactThe wireless keyboard thats beautifully convenient and conveniently compact thanks to its space-saving design with familiar layout, three-year battery life and instant access to the things you do most.Compact comfort for your laptop - You can type in more comfort with a layout youre used to. And its about 20% smaller than our standard keyboards, so it fits in your office, your living room or wherever you use your laptop
Three-year battery life - The extended battery life means you wont spend your time tracking down new batteries (Keyboard battery life may vary depending on usage)
Just one touch - You can do more, faster with six hot keys and twelve programmable F-keys for instant access to music, e-mail and more (Requires programming with Logitech's SetPoint software, free for download at www.logitech.com/downloads)
Advanced 2.4 GHz wireless - So you can work or play in more placeslike your comfy couchthe long-range wireless connection virtually eliminates delays, dropouts and interference
Logitech Unifying receiver - The tiny receiver stays in your laptop. Plus, you can easily add a compatible wireless mouse, keyboard or number padwithout the hassle of multiple USB receivers
Plug-and-play simplicity - Setup takes secondsyou simply plug the wireless receiver into a USB port, pull the battery tab and start using your keyboard right away without software
Whisper-quiet, framed keys - The framed keys look modern and barely make a sound, while providing a more comfortable typing experience than laptop and netbook keyboards
Sturdy, adjustable-tilt legs - You can extend the sturdy folding legs to increase the keyboard tilt by eight degrees to address your personal comfort needs. Rubber feet prevent slipping
Dimensions: 6.5"D x 1.8"H x 15.6"L
3 year limited hardware warrantyType in comfort with this compact Logitech k360 keyboard that shows off your personal sense of style. It's simple to set up and doesn't require any software to get started. Just plug it in and start typing away. In addition to being convenient and comfortable, the keyboard is also a work of art, so you'll enjoy looking at it as much as actually using it.Compact Comfort
The space-saving design of this keyboard maintains a traditional keyboard layout, so the keys are always exactly where you expect them to be. The small size means you can easily fit it into your work environment whether you're at home, at the office, or on the go. The folding legs are adjustable, so you can tilt the keyboard up to eight degrees to the most comfortable position for you.Modern Look
This keyboard features a beautiful design that draws attention while also blending into a contemporary office setting. Plus, the modern-looking framed keys are easy on your fingertips and quiet, so you won't disturb those around you when you're typing.Wireless Capability
The long-range 2.4 GHz wireless capacity helps prevent interference and delays no matter where you are in your home or office. The compact unifying receiver lets you easily add other wireless devices, such as the matching Logitech wireless mouse, without having to add extra USB receivers. It also has 128-bit AES encryption, so your data stays secure from prying eyes.Programmable Keys
Twelve programmable F keys let you tailor the keyboard to suit your needs. Six programmable hot keys give you one-click access to the functions, apps, and programs you use most often, so you're never more than a touch away from productivity and fun.SpecificationsKeyboard TypeCordless
Gaming KeyboardNo
Keyboard InterfaceUSB
Staples Coupons
Price and coupon shows up after near complete check out.
3 styles : Ink Gears / Gloss Black / White Paisley
20% smaller than standard keyboardhttp://www.staples.com/Logitech-K360-Wireless-Keyboard-Ink-Gears...
http://www.staples.com/Logitech-K360-Wireless-Keyboard-Gloss-Bla...
http://www.staples.com/Logitech-K360-Wireless-Keyboards-White-Pa...Reward Member for Staples is free, Sign up below.
https://www.staplesrewardscenter.com/SORC/UserManagement/Login/L...Product DetailsLogitech K360 Wireless Compact Ink Gears Keyboard - The wireless keyboard thats beautifully convenient and conveniently compactThe wireless keyboard thats beautifully convenient and conveniently compact thanks to its space-saving design with familiar layout, three-year battery life and instant access to the things you do most.Compact comfort for your laptop - You can type in more comfort with a layout youre used to. And its about 20% smaller than our standard keyboards, so it fits in your office, your living room or wherever you use your laptop
Three-year battery life - The extended battery life means you wont spend your time tracking down new batteries (Keyboard battery life may vary depending on usage)
Just one touch - You can do more, faster with six hot keys and twelve programmable F-keys for instant access to music, e-mail and more (Requires programming with Logitech's SetPoint software, free for download at www.logitech.com/downloads)
Advanced 2.4 GHz wireless - So you can work or play in more placeslike your comfy couchthe long-range wireless connection virtually eliminates delays, dropouts and interference
Logitech Unifying receiver - The tiny receiver stays in your laptop. Plus, you can easily add a compatible wireless mouse, keyboard or number padwithout the hassle of multiple USB receivers
Plug-and-play simplicity - Setup takes secondsyou simply plug the wireless receiver into a USB port, pull the battery tab and start using your keyboard right away without software
Whisper-quiet, framed keys - The framed keys look modern and barely make a sound, while providing a more comfortable typing experience than laptop and netbook keyboards
Sturdy, adjustable-tilt legs - You can extend the sturdy folding legs to increase the keyboard tilt by eight degrees to address your personal comfort needs. Rubber feet prevent slipping
Dimensions: 6.5"D x 1.8"H x 15.6"L
3 year limited hardware warrantyType in comfort with this compact Logitech k360 keyboard that shows off your personal sense of style. It's simple to set up and doesn't require any software to get started. Just plug it in and start typing away. In addition to being convenient and comfortable, the keyboard is also a work of art, so you'll enjoy looking at it as much as actually using it.Compact Comfort
The space-saving design of this keyboard maintains a traditional keyboard layout, so the keys are always exactly where you expect them to be. The small size means you can easily fit it into your work environment whether you're at home, at the office, or on the go. The folding legs are adjustable, so you can tilt the keyboard up to eight degrees to the most comfortable position for you.Modern Look
This keyboard features a beautiful design that draws attention while also blending into a contemporary office setting. Plus, the modern-looking framed keys are easy on your fingertips and quiet, so you won't disturb those around you when you're typing.Wireless Capability
The long-range 2.4 GHz wireless capacity helps prevent interference and delays no matter where you are in your home or office. The compact unifying receiver lets you easily add other wireless devices, such as the matching Logitech wireless mouse, without having to add extra USB receivers. It also has 128-bit AES encryption, so your data stays secure from prying eyes.Programmable Keys
Twelve programmable F keys let you tailor the keyboard to suit your needs. Six programmable hot keys give you one-click access to the functions, apps, and programs you use most often, so you're never more than a touch away from productivity and fun.SpecificationsKeyboard TypeCordless
Gaming KeyboardNo
Keyboard InterfaceUSB
Staples Coupons
Logitech K360 Wireless Keyboard $19.99 Staples 3 Styles FS with Member today Only 4-20 Online
Added on : Saturday April 20th 2013 11:00:06 PM
Don't forget fatwallet 2.5% CashBack!Today only, it uses the universal Logitech receiver.
Price and coupon shows up after near complete check out.
3 styles : Ink Gears / Gloss Black / White Paisley
20% smaller than standard keyboardhttp://www.staples.com/Logitech-K360-Wireless-Keyboard-Ink-Gears...
http://www.staples.com/Logitech-K360-Wireless-Keyboard-Gloss-Bla...
http://www.staples.com/Logitech-K360-Wireless-Keyboards-White-Pa...Reward Member for Staples is free, Sign up below.
https://www.staplesrewardscenter.com/SORC/UserManagement/Login/L...Product DetailsLogitech K360 Wireless Compact Ink Gears Keyboard - The wireless keyboard thats beautifully convenient and conveniently compactThe wireless keyboard thats beautifully convenient and conveniently compact thanks to its space-saving design with familiar layout, three-year battery life and instant access to the things you do most.Compact comfort for your laptop - You can type in more comfort with a layout youre used to. And its about 20% smaller than our standard keyboards, so it fits in your office, your living room or wherever you use your laptop
Three-year battery life - The extended battery life means you wont spend your time tracking down new batteries (Keyboard battery life may vary depending on usage)
Just one touch - You can do more, faster with six hot keys and twelve programmable F-keys for instant access to music, e-mail and more (Requires programming with Logitech's SetPoint software, free for download at www.logitech.com/downloads)
Advanced 2.4 GHz wireless - So you can work or play in more placeslike your comfy couchthe long-range wireless connection virtually eliminates delays, dropouts and interference
Logitech Unifying receiver - The tiny receiver stays in your laptop. Plus, you can easily add a compatible wireless mouse, keyboard or number padwithout the hassle of multiple USB receivers
Plug-and-play simplicity - Setup takes secondsyou simply plug the wireless receiver into a USB port, pull the battery tab and start using your keyboard right away without software
Whisper-quiet, framed keys - The framed keys look modern and barely make a sound, while providing a more comfortable typing experience than laptop and netbook keyboards
Sturdy, adjustable-tilt legs - You can extend the sturdy folding legs to increase the keyboard tilt by eight degrees to address your personal comfort needs. Rubber feet prevent slipping
Dimensions: 6.5"D x 1.8"H x 15.6"L
3 year limited hardware warrantyType in comfort with this compact Logitech k360 keyboard that shows off your personal sense of style. It's simple to set up and doesn't require any software to get started. Just plug it in and start typing away. In addition to being convenient and comfortable, the keyboard is also a work of art, so you'll enjoy looking at it as much as actually using it.Compact Comfort
The space-saving design of this keyboard maintains a traditional keyboard layout, so the keys are always exactly where you expect them to be. The small size means you can easily fit it into your work environment whether you're at home, at the office, or on the go. The folding legs are adjustable, so you can tilt the keyboard up to eight degrees to the most comfortable position for you.Modern Look
This keyboard features a beautiful design that draws attention while also blending into a contemporary office setting. Plus, the modern-looking framed keys are easy on your fingertips and quiet, so you won't disturb those around you when you're typing.Wireless Capability
The long-range 2.4 GHz wireless capacity helps prevent interference and delays no matter where you are in your home or office. The compact unifying receiver lets you easily add other wireless devices, such as the matching Logitech wireless mouse, without having to add extra USB receivers. It also has 128-bit AES encryption, so your data stays secure from prying eyes.Programmable Keys
Twelve programmable F keys let you tailor the keyboard to suit your needs. Six programmable hot keys give you one-click access to the functions, apps, and programs you use most often, so you're never more than a touch away from productivity and fun.SpecificationsKeyboard TypeCordless
Gaming KeyboardNo
Keyboard InterfaceUSB
Staples Coupons
Price and coupon shows up after near complete check out.
3 styles : Ink Gears / Gloss Black / White Paisley
20% smaller than standard keyboardhttp://www.staples.com/Logitech-K360-Wireless-Keyboard-Ink-Gears...
http://www.staples.com/Logitech-K360-Wireless-Keyboard-Gloss-Bla...
http://www.staples.com/Logitech-K360-Wireless-Keyboards-White-Pa...Reward Member for Staples is free, Sign up below.
https://www.staplesrewardscenter.com/SORC/UserManagement/Login/L...Product DetailsLogitech K360 Wireless Compact Ink Gears Keyboard - The wireless keyboard thats beautifully convenient and conveniently compactThe wireless keyboard thats beautifully convenient and conveniently compact thanks to its space-saving design with familiar layout, three-year battery life and instant access to the things you do most.Compact comfort for your laptop - You can type in more comfort with a layout youre used to. And its about 20% smaller than our standard keyboards, so it fits in your office, your living room or wherever you use your laptop
Three-year battery life - The extended battery life means you wont spend your time tracking down new batteries (Keyboard battery life may vary depending on usage)
Just one touch - You can do more, faster with six hot keys and twelve programmable F-keys for instant access to music, e-mail and more (Requires programming with Logitech's SetPoint software, free for download at www.logitech.com/downloads)
Advanced 2.4 GHz wireless - So you can work or play in more placeslike your comfy couchthe long-range wireless connection virtually eliminates delays, dropouts and interference
Logitech Unifying receiver - The tiny receiver stays in your laptop. Plus, you can easily add a compatible wireless mouse, keyboard or number padwithout the hassle of multiple USB receivers
Plug-and-play simplicity - Setup takes secondsyou simply plug the wireless receiver into a USB port, pull the battery tab and start using your keyboard right away without software
Whisper-quiet, framed keys - The framed keys look modern and barely make a sound, while providing a more comfortable typing experience than laptop and netbook keyboards
Sturdy, adjustable-tilt legs - You can extend the sturdy folding legs to increase the keyboard tilt by eight degrees to address your personal comfort needs. Rubber feet prevent slipping
Dimensions: 6.5"D x 1.8"H x 15.6"L
3 year limited hardware warrantyType in comfort with this compact Logitech k360 keyboard that shows off your personal sense of style. It's simple to set up and doesn't require any software to get started. Just plug it in and start typing away. In addition to being convenient and comfortable, the keyboard is also a work of art, so you'll enjoy looking at it as much as actually using it.Compact Comfort
The space-saving design of this keyboard maintains a traditional keyboard layout, so the keys are always exactly where you expect them to be. The small size means you can easily fit it into your work environment whether you're at home, at the office, or on the go. The folding legs are adjustable, so you can tilt the keyboard up to eight degrees to the most comfortable position for you.Modern Look
This keyboard features a beautiful design that draws attention while also blending into a contemporary office setting. Plus, the modern-looking framed keys are easy on your fingertips and quiet, so you won't disturb those around you when you're typing.Wireless Capability
The long-range 2.4 GHz wireless capacity helps prevent interference and delays no matter where you are in your home or office. The compact unifying receiver lets you easily add other wireless devices, such as the matching Logitech wireless mouse, without having to add extra USB receivers. It also has 128-bit AES encryption, so your data stays secure from prying eyes.Programmable Keys
Twelve programmable F keys let you tailor the keyboard to suit your needs. Six programmable hot keys give you one-click access to the functions, apps, and programs you use most often, so you're never more than a touch away from productivity and fun.SpecificationsKeyboard TypeCordless
Gaming KeyboardNo
Keyboard InterfaceUSB
Staples Coupons
Logitech K360 Wireless Keyboard 19.99 Staples 3 Styles FS with Member today Only 4-20 Online
Added on : Saturday April 20th 2013 04:00:02 PM
Don't forget fatwallet 2.5% CashBack!Today only, it uses the universal Logitech receiver.
Price and coupon shows up after near complete check out.
3 styles : Ink Gears / Gloss Black / White Paisley
20% smaller than standard keyboardhttp://www.staples.com/Logitech-K360-Wireless-Keyboard-Ink-Gears...
http://www.staples.com/Logitech-K360-Wireless-Keyboard-Gloss-Bla...
http://www.staples.com/Logitech-K360-Wireless-Keyboards-White-Pa...Reward Member for Staples is free, Sign up below.
https://www.staplesrewardscenter.com/SORC/UserManagement/Login/L...Product DetailsLogitech K360 Wireless Compact Ink Gears Keyboard - The wireless keyboard thats beautifully convenient and conveniently compactThe wireless keyboard thats beautifully convenient and conveniently compact thanks to its space-saving design with familiar layout, three-year battery life and instant access to the things you do most.Compact comfort for your laptop - You can type in more comfort with a layout youre used to. And its about 20% smaller than our standard keyboards, so it fits in your office, your living room or wherever you use your laptop
Three-year battery life - The extended battery life means you wont spend your time tracking down new batteries (Keyboard battery life may vary depending on usage)
Just one touch - You can do more, faster with six hot keys and twelve programmable F-keys for instant access to music, e-mail and more (Requires programming with Logitech's SetPoint software, free for download at www.logitech.com/downloads)
Advanced 2.4 GHz wireless - So you can work or play in more placeslike your comfy couchthe long-range wireless connection virtually eliminates delays, dropouts and interference
Logitech Unifying receiver - The tiny receiver stays in your laptop. Plus, you can easily add a compatible wireless mouse, keyboard or number padwithout the hassle of multiple USB receivers
Plug-and-play simplicity - Setup takes secondsyou simply plug the wireless receiver into a USB port, pull the battery tab and start using your keyboard right away without software
Whisper-quiet, framed keys - The framed keys look modern and barely make a sound, while providing a more comfortable typing experience than laptop and netbook keyboards
Sturdy, adjustable-tilt legs - You can extend the sturdy folding legs to increase the keyboard tilt by eight degrees to address your personal comfort needs. Rubber feet prevent slipping
Dimensions: 6.5"D x 1.8"H x 15.6"L
3 year limited hardware warrantyType in comfort with this compact Logitech k360 keyboard that shows off your personal sense of style. It's simple to set up and doesn't require any software to get started. Just plug it in and start typing away. In addition to being convenient and comfortable, the keyboard is also a work of art, so you'll enjoy looking at it as much as actually using it.Compact Comfort
The space-saving design of this keyboard maintains a traditional keyboard layout, so the keys are always exactly where you expect them to be. The small size means you can easily fit it into your work environment whether you're at home, at the office, or on the go. The folding legs are adjustable, so you can tilt the keyboard up to eight degrees to the most comfortable position for you.Modern Look
This keyboard features a beautiful design that draws attention while also blending into a contemporary office setting. Plus, the modern-looking framed keys are easy on your fingertips and quiet, so you won't disturb those around you when you're typing.Wireless Capability
The long-range 2.4 GHz wireless capacity helps prevent interference and delays no matter where you are in your home or office. The compact unifying receiver lets you easily add other wireless devices, such as the matching Logitech wireless mouse, without having to add extra USB receivers. It also has 128-bit AES encryption, so your data stays secure from prying eyes.Programmable Keys
Twelve programmable F keys let you tailor the keyboard to suit your needs. Six programmable hot keys give you one-click access to the functions, apps, and programs you use most often, so you're never more than a touch away from productivity and fun.SpecificationsKeyboard TypeCordless
Gaming KeyboardNo
Keyboard InterfaceUSB
Staples Coupons
Price and coupon shows up after near complete check out.
3 styles : Ink Gears / Gloss Black / White Paisley
20% smaller than standard keyboardhttp://www.staples.com/Logitech-K360-Wireless-Keyboard-Ink-Gears...
http://www.staples.com/Logitech-K360-Wireless-Keyboard-Gloss-Bla...
http://www.staples.com/Logitech-K360-Wireless-Keyboards-White-Pa...Reward Member for Staples is free, Sign up below.
https://www.staplesrewardscenter.com/SORC/UserManagement/Login/L...Product DetailsLogitech K360 Wireless Compact Ink Gears Keyboard - The wireless keyboard thats beautifully convenient and conveniently compactThe wireless keyboard thats beautifully convenient and conveniently compact thanks to its space-saving design with familiar layout, three-year battery life and instant access to the things you do most.Compact comfort for your laptop - You can type in more comfort with a layout youre used to. And its about 20% smaller than our standard keyboards, so it fits in your office, your living room or wherever you use your laptop
Three-year battery life - The extended battery life means you wont spend your time tracking down new batteries (Keyboard battery life may vary depending on usage)
Just one touch - You can do more, faster with six hot keys and twelve programmable F-keys for instant access to music, e-mail and more (Requires programming with Logitech's SetPoint software, free for download at www.logitech.com/downloads)
Advanced 2.4 GHz wireless - So you can work or play in more placeslike your comfy couchthe long-range wireless connection virtually eliminates delays, dropouts and interference
Logitech Unifying receiver - The tiny receiver stays in your laptop. Plus, you can easily add a compatible wireless mouse, keyboard or number padwithout the hassle of multiple USB receivers
Plug-and-play simplicity - Setup takes secondsyou simply plug the wireless receiver into a USB port, pull the battery tab and start using your keyboard right away without software
Whisper-quiet, framed keys - The framed keys look modern and barely make a sound, while providing a more comfortable typing experience than laptop and netbook keyboards
Sturdy, adjustable-tilt legs - You can extend the sturdy folding legs to increase the keyboard tilt by eight degrees to address your personal comfort needs. Rubber feet prevent slipping
Dimensions: 6.5"D x 1.8"H x 15.6"L
3 year limited hardware warrantyType in comfort with this compact Logitech k360 keyboard that shows off your personal sense of style. It's simple to set up and doesn't require any software to get started. Just plug it in and start typing away. In addition to being convenient and comfortable, the keyboard is also a work of art, so you'll enjoy looking at it as much as actually using it.Compact Comfort
The space-saving design of this keyboard maintains a traditional keyboard layout, so the keys are always exactly where you expect them to be. The small size means you can easily fit it into your work environment whether you're at home, at the office, or on the go. The folding legs are adjustable, so you can tilt the keyboard up to eight degrees to the most comfortable position for you.Modern Look
This keyboard features a beautiful design that draws attention while also blending into a contemporary office setting. Plus, the modern-looking framed keys are easy on your fingertips and quiet, so you won't disturb those around you when you're typing.Wireless Capability
The long-range 2.4 GHz wireless capacity helps prevent interference and delays no matter where you are in your home or office. The compact unifying receiver lets you easily add other wireless devices, such as the matching Logitech wireless mouse, without having to add extra USB receivers. It also has 128-bit AES encryption, so your data stays secure from prying eyes.Programmable Keys
Twelve programmable F keys let you tailor the keyboard to suit your needs. Six programmable hot keys give you one-click access to the functions, apps, and programs you use most often, so you're never more than a touch away from productivity and fun.SpecificationsKeyboard TypeCordless
Gaming KeyboardNo
Keyboard InterfaceUSB
Staples Coupons
Office Depot FAR software for the week of 04/21/2013 (one $10 AR title and one $15 AR title)
Added on : Saturday April 20th 2013 12:00:03 AM
Office Depot FAR software for the week of 04/21/2013 (one $10 AR title and one $15 AR title)
McAfee Total Protection For 3 Users [830-788] $69.99
$9.99 After $10 Instant & $60 Mfr. Mail-In SavingsTrend Micro Titanium Maximum Security 2013 [220-795] $89.99
$14.99 After $45 Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
If your Office Depot accepts printed competitor coupons: OfficeMax 20% off purchase coupon 04/21 - 04/27 (exclusions apply)
Get $6 back in Rewards per recycled ink cartridge when you purchase $50 of HP ink
--- Limit 5 recycled ink cartridges per customer.
--- Cartridges must be recycled in the same transaction as the HP ink purchase.
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
McAfee Total Protection For 3 Users [830-788] $69.99
$9.99 After $10 Instant & $60 Mfr. Mail-In SavingsTrend Micro Titanium Maximum Security 2013 [220-795] $89.99
$14.99 After $45 Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
If your Office Depot accepts printed competitor coupons: OfficeMax 20% off purchase coupon 04/21 - 04/27 (exclusions apply)
Get $6 back in Rewards per recycled ink cartridge when you purchase $50 of HP ink
--- Limit 5 recycled ink cartridges per customer.
--- Cartridges must be recycled in the same transaction as the HP ink purchase.
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Under Armour 'Seamless Essential' Sport Bra $9.97 shipped from nordstrom.com
Added on : Wednesday April 17th 2013 09:00:02 PM
Link (normally $29.99)* All sizes on backorder with an approx ship date of 6/06/13 *
Adjustable straps perfect the fit of a snug compression bra with a power-rib inner layer that delivers stability and mid-impact support for smaller figures up to a C-cup. Fashioned from moisture-wicking HeatGear fabric that keeps you cool and dry no matter how hard your workout.Nylon/elastane; machine wash. By Under Armour; imported.
Adjustable straps perfect the fit of a snug compression bra with a power-rib inner layer that delivers stability and mid-impact support for smaller figures up to a C-cup. Fashioned from moisture-wicking HeatGear fabric that keeps you cool and dry no matter how hard your workout.Nylon/elastane; machine wash. By Under Armour; imported.
2-pack of Clairol Nice 'n Easy Root Touch-Up: from $5.26 + Free Shipping @ Amazon
Added on : Tuesday April 16th 2013 03:00:03 AM
Black is $5.26 AC & S&S. Other colors are slightly higher.http://www.amazon.com/Clairol-Nice-Easy-Touch-Up-Black/dp/B003AY..."clip" $5 coupon.Shipping is free w/prime or through Subscribe and Save. (If doing the S&S, note that it can be cancelled anytime after order ships.)
Lasts up to 3 weeks.
100% gray coverage.
Just 10 minutes to say goodbye to roots and grays
Permanent color that blends seamlessly, no matter which leading shade you use
Precision Brush for quick and easy application
Amazon Coupons
Lasts up to 3 weeks.
100% gray coverage.
Just 10 minutes to say goodbye to roots and grays
Permanent color that blends seamlessly, no matter which leading shade you use
Precision Brush for quick and easy application
Amazon Coupons
When investing becomes an irrational act of faith (gold, bit coins and things like them)
Added on : Monday April 15th 2013 11:01:14 AM
Since 2008, I have noticed that many otherwise rational people seem to be doing what I call "investing by faith." I use this term to describe people who seem to invest significant amounts of money into one type of asset. But these investments seem to be based on articles of faith - no matter what the actual objective state of the market or asset class may be, certain people seem to just keep plowing more money into them. The best example I can think of is gold, but its not the only thing - bit coins is another good example. I note that the goldbugs (and bit coins), as irrational as their behavior has been, have made out quite well and no one can deny it. But for a real goldbug - someone who just keeps buying gold because they think hyperinflation/economic doom/etc will be "any day now" - that return on investment in gold over the past few years has really just been a function of pure luck. Because they'll buy it under any condition, its an article of faith. In reality, the party can't last forever, and what surprises me is how many goldbugs I've encountered that bought at 1800-1900 and are still burying physical bullion in their backyards - meaning that even if they wanted to sell it (and they wouldn't remember - gold's price going up is an article of faith for them) they couldn't do so quickly. I realize in making this post that the people who are doing what I am talking about are going to try to say that index investing is a "act of faith" in the stock market. And broadly speaking, you are correct. But I am talking about irrational investing via faith in some asset class vs. rational, data based investing. Its true rational, data based investing involves some sort of "faith" in its broadest terms. Index investing is based on the objective evidence that - over long time periods and with enough diversification - you can get a reasonable return on investment. That is a belief. But its a very different sort of belief than say thinking you should plow all your retirement into gold because the economy is going to collapse (ignoring all objective indicators of the economy because obviously the government is making up the unemployment number) and were going to have hyperinflation (ignoring CPI because obviously the government is making it up that inflation is not really a concern right now). So my question is - is this a trend anyone else has noticed? Any way to profit off it?
When investing becomes an act of faith (gold, bit coins and things like them))
Added on : Monday April 15th 2013 10:01:07 AM
Since 2008, I have noticed that many otherwise rational people seem to be doing what I call "investing by faith." I use this term to describe people who seem to invest significant amounts of money into one type of asset. But these investments seem to be based on articles of faith - no matter what the actual objective state of the market or asset class may be, certain people seem to just keep plowing more money into them. The best example I can think of is gold, but its not the only thing - bit coins is another good example. I note that the goldbugs (and bit coins), as irrational as their behavior has been, have made out quite well and no one can deny it. But for a real goldbug - someone who just keeps buying gold because they think hyperinflation/economic doom/etc will be "any day now" - that return on investment in gold over the past few years has really just been a function of pure luck. Because they'll buy it under any condition, its an article of faith. In reality, the party can't last forever, and what surprises me is how many goldbugs I've encountered that bought at 1800-1900 and are still burying physical bullion in their backyards - meaning that even if they wanted to sell it (and they wouldn't remember - gold's price going up is an acticle of faith for them) they couldn't do so quickly. I realize in making this post that the people who are doing what I am talking about are going to try to say that index investing is a "act of faith" in the stock market, but its not. Index investing is based on the objective evidence that - over long time periods and with enough diversification - you can get a reasonable return on investment. So my question is - is this a trend anyone else has noticed? Any way to profit off it?
All I can say is "They were listed as free when I posted on FW"
No Ordinary Hero (Keepers of Justice, Book 1) [Kindle Edition]
Dee J. Stone (Author)
http://www.amazon.com/dp/B00B6LP8GS
Book Description
Publication Date: January 26, 2013
The world is set to explode in three months.The source: a lonely girl with an extreme superpower fueled by the negative emotions inside her.The solution: send fourteen year old superhero-in-training Kale Zenith to be her friend and give her a reason to smile.The problem? The girl trusts no one.With the fate of the world in Kales hands, quitting is not an option. Perseverance is key to knocking down the many walls around her, and soon he gets to know Lindsay as more than just the girl who will destroy the planet.But theres trouble back home. A secret plot is brewing inside his superhero League, and its up to Kale to expose the traitor. But that takes time away from Lindsay when she needs him most. Can he save her and the world before its too late?
_________________________________________________________________________________________________________
Poster Girl (Friends Along the Way) [Kindle Edition]
Anne Emerick (Author), Laura Petrisin (Illustrator)
http://www.amazon.com/dp/B008PVQ2X0
Book Description
Publication Date: July 17, 2007
Paula wants to win the third-grade science poster contest more than anything. There's just one problem - and her name is Cynthia Lyden. Also known as Little Miss Perfect. Cynthia, a girl with a different hair scrunchie for every outfit. Cynthia, who handwrites whole pages without a single cross-out. Cynthia, who framed her poster and brought it in a day early. All Paula wants is a chance to shine a little. But is she smart enough to compete with Cynthia? And if so, will it matter? As the two girls compete, Paula makes a startling discovery that changes her desire to out-do her rival.
__________________________________________________________________________________________________________
Ten Interesting Things About Human Behavior [Kindle Edition]
Suzanne Davis (Author)
http://www.amazon.com/dp/B006RDFHCK
Book Description
Publication Date: October 1, 2011
Ten Interesting Things About Human Behavior is a short, lighthearted look at 10 things human beings do, why we do them, and their significance in our everyday lives. How do we resolve psychological conflict that occurs when our behavior violates our attitudes? Why are we so quick to blame others for their behavior while offering excuses for our own? What should we make of the talking heads on cable TV who argue about the cause of TV violence on children's behavior - whose explanation is correct? Why are reality TV shows, some of which portray contestants as pathetic and dysfunctional, so popular?Questions like these usually provoke different answers from different people, each of whom may attribute his or her answers to "common sense." One person argues that "of course children mimic violence they see on TV - my kids do" while another attributes it to "poor parenting - because my kids don't." Which is it, and why?Research psychologists try to answer these questions as best we can. This book is a brief look at the answers to 10 aspects of human behavior - answers derived from controlled behavioral research that is designed to test various theories about behavior. Certainly, there is more to human behavior than the 10 things I chose for this short book. And there are hundreds of primary sources and research reports that describe the research findings in more depth. They're out there if you'd like to read more.But for those who are new to the field of Experimental Psychology, 10 Things may pique your interest in learning more about the subject. And for those "armchair psychologists" out there who'd like a quick read about the most fascinating creatures on the planet - human beings - I think you'll like it, too.
__________________________________________________________________________________________________________________
The Fireball Kid [Kindle Edition]
Bill Palmer (Author)
http://www.amazon.com/dp/B0054H3Z38
Book Description
Publication Date: June 4, 2011
The Sandlot meets The Wonder Years in The Fireball Kid - the story of 12-year-old Danny Voss, a South Side Chicago kid growing up in the racially charged mid '60s.
All Danny dreams about is playing baseball for the Chicago White Sox when he grows up, but 1964 presents some serious obstacles: The toughest teaching nuns in the Chicago Archdiocese. The Little League team and Coach from Hell. A major crush on beautiful, big-haired Gloria. Plus, a well meaning but extremely frugal father, a younger sister who wants to be a priest and a mother that thinks Danny's road to the Major Leagues is paved with her meatloaf.
Except for surviving a secret trip to Riverview, the worlds most dangerous amusement park, the summer of 1964 is hardly going Dannys way. But quicker than a Sandy Koufax fastball, Danny is flush with cash after taking a part-time clandestine job working for Willis, a charismatic black man who lures suckers to Riverviews African Dip" attraction. Dannys rep as the Fireball Kid earns him a spot on the Monarchs - an all black inner city ball team Willis manages. Its not long before the Fireball Kid finds himself playing in the game of his life with his big league dreams and his best friends life on the line.
The Fireball Kid is a hilarious and moving coming-of-age story that feels as good as spending a day at your favorite ballpark with a couple of best friends and a few cold beers.
-Matt Iseman, host of Sports Soup and Clean House.
__________________________________________________________________________________________________________
Make Him Commit and Think It's His Idea [Kindle Edition]
Nate Truman (Author)
http://www.amazon.com/dp/B008XT8KHA
Book Description
Publication Date: August 14, 2012
Introduction:
Why Should You Read This? If guy after guy stops calling you 'out of
the blue', then this book is for you. Hint: It's not 'out of the blue'- there are very specific
reasons why they quit calling you and I'm going to show you how to stop the
behaviors that are turning them off. If you've had more than one guy 'shut down'
and quit talking during a disagreement, then you need to read this. If you 'fight
a lot' with every guy you date... maybe you're not the unluckiest woman on the
planet that somehow 'finds all the jerks'... Maybe it's YOU. The fact
is, there are 5 very common things that women do unknowingly that really turn
men off... not only turn them off but have them running the opposite direction. Most of
these you have no idea that you're doing... In fact, you probably think that it's
part of "playing the game", when in reality you're systematically turning him
off one mistake at a time. A lot of
women think they know exactly what they're doing when it comes to dating and
reeling in the guy they want... but a lot of times the results speak for
themselves. The
Next 30 Minutes Will Reverse Years of Frustration... This
will only take you about 30 minutes to read... but it will help your dating
life out tremendously. I've taken the biggest mistakes that women make
with us guys, and boiled them down into clear explanations that you'll
instantly "get"... and it will become very clear where your problems are.
_____________________________________________________________________________________________________________How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores [Kindle Edition]
Deborah Williams (Author), Linda A. Johnson (Author)
http://www.amazon.com/dp/B006P57THG
Book Description
Publication Date: December 21, 2011
How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores. The #1 Kindle Bestseller in Grandparenting.
This guide explores the 10 way to talk to your kids, as well as fun tips for opening up conversations with your grandkids. How To Connect Long Distance With Grandkids
Making the Most of Your Time with Grandchildren
Grandparent Visitation
Better Conversation with Grandkids
When Grandkids Visit
Step-Grandparentingand much, much more...The Ten Secrets are not just about becoming an amazing grandparent. They are about how to build, make, and keep strong relationships with your children, and create relationships with your grandchildren that will make a lasting difference in both your life and their lives.Whether your goal is to be a long distance grandmother or to be a key part of your grandchildren's lives, there's never been a better time to learn these skills.Curious? Scroll up and click the "Buy Now" button, and learn the 10 Secrets To Being The Grandmother Everyone Adores
__________________________________________________________________________________________________________________ Perfect Pierogi Recipes [Kindle Edition]
Rose Wysocki (Author)
http://www.amazon.com/dp/B00B0GC7YK
Book Description
Publication Date: January 11, 2013
In Perfect Pierogi Recipes Rose Wysocki shares both traditional and contemporary recipes for pierogi dough, fillings and toppings. Some are recipes from her Polish Mother and Grandmother. Others are recipes she's collected or developed over the years.You'll find a total of 51 recipes. They are very easy to make. Included are recipes for: 10 different pierogi doughs (traditional and contemporary), 15 savory fillings, 6 sweet fillings, 3 traditional pierogi toppings, 2 contemporary toppings, 9 compound butters and 6 sauces. You'll also find a list of 16 additional traditional toppings and 10 contemporary toppings (without recipes.) Finally you'll find a lot of information about the history of pierogi, how to make pierogi dough, different methods to cut, stuff and seal the pierogi, how to best boil, saute, deep fry or bake pierogi, how to freeze pierogi and more. Rose also provides information about a couple of pierogi cutting and sealing tools that will save you a lot of time in preparing pierogi.Making pierogi at home is really easy if you have the right directions. This book will give you a head start on making perfect pierogi for your family in your home.
_____________________________________________________________________________________________________________________
Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living [Kindle Edition]
Judith Turnbridge (Author)
http://www.amazon.com/dp/B008GSG64C
Book Description
Publication Date: July 1, 2012
Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living Do you feel trapped in a home too small and cluttered to breathe in? Would you like a designated place for everything?If you do, then Judith Turnbridge's latest book will provide you with all the answers you've been looking for.This easy-to-follow guide is jam-packed with practical tips and ideas for clutter-free home storage. It covers a host of topics on the separate areas of your home and gives you unique ideas on storing items such as shoes, makeup, books, and more. You'll learn how to utilize every inch of space, so you can say goodbye to being overwhelmed with clutter. You'll be able to stop wasting time and money looking for lost things and buying duplicates you already have. From now on your home will never be too small.Topics covered include: The living room
Storing toys in the living room
The kitchen - including a kitchen without many cabinets
The bedroom - including storage ideas for a small bedroom
Where and how to store clothes when there are no closets
How to keep nice/business clothes from getting wrinkled and dirty while in storage
How to store clothes in an under-bed storage bag without them smelling
How to raise a bed for under-bed storage
Socks and underwear storage when you don't have a bedroom dresser
Good makeup storage and organizational tips
Simple ideas for jewellery storage
The bathroom - including an extremely tiny bathroom
The kids room - including storing school artwork and crafts
The garage - including ideas for rodent-proof garage storage
How to solve shoe storage problems due to a cluttered closet
Storing shoes that do not serve an everyday purpose
Building your own DIY shoe racks
Handbags and purses
Storing a bike in a small apartmentThere's also much more in this fabulous book. You owe it to yourself to find out why nothing is better than a well-organized home and to finally turn your back on clutter forever.Judith Turnbridge is also author of the popular 'How to Declutter Your Home for Simple Living'.
__________________________________________________________________________________________________________
The Cuban Missile Crisis: A Very Brief History [Kindle Edition]
Mark Black (Author)
http://www.amazon.com/dp/B00AY4N4B4Book Description
Publication Date: January 6, 2013
Want to learn more about history, but dont think you have the time? Think again.The Cuban Missile Crisis, as it is known in the United States (US), occurred in October 1962. It was a naval military standoff that took place in the Caribbean Sea off the coast of Cuba between the two superpowers: the US and the Union of the Soviet Socialist Republics (USSR). Lasting thirteen days, it marked the height of the Cold War tensions, and was the closest the two nations had actually come to an outright war, which could in turn have led to a nuclear confrontation.The Very Brief History series is intended to give the reader a short, concise account of the most important events in world history. Each book provides the reader with the essential facts concerning a particular event or person; no distractions, just the essential facts, allowing the reader to master the subject in the shortest time possible.With The Very Brief History series, anyone can become a history expert!
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Free Country: A Penniless Adventure the Length of Britain [Kindle Edition]
George Mahood (Author)
http://www.amazon.com/dp/B0085W00M8
Book Description
Publication Date: May 23, 2012
"...spent last night laughing so much my coffee came out my eyes...""...this book is quite simply the best I've read in years...""...a completely bonkers challenge and a brilliantly funny read, I couldn't put it down...""...it reminded me of some of Danny Wallace and Dave Gorman's best bits...""...this wonderful story had me crying with laughter more often than not...""...inspiring, uplifting, need I say more? Quite brilliant...""...funny, totally engrossing and actually quite moving...""...one of the most heart-warming, genuinely funny books I have read in a long time...""...not many books keep me up 'till 4am, endangering my marriage in the process... Read it now...""...for the price of half a pint of beer you'll fill at least 4 pint glasses with tears of laughter..."
FREE COUNTRY: A Penniless Adventure the Length of BritainThe plan is simple. George and Ben have three weeks to cycle 1000 miles from the bottom of England to the top of Scotland. Theres just one small problem they have no bikes, no clothes, no food and no money. Setting off in just a pair of Union Jack boxer shorts, they attempt to rely on the generosity of the British public for everything from food to accommodation, clothes to shoes, and bikes to beer.During the most extraordinary of challenges, George and Ben scavenge through rubbish bins, search for the Loch Ness monster, wash dishes, clean hotels, sing Christmas carols for food, swim in lakes, descend Cornish hills on childrens bikes and cook a barbecue for 30 old people in a field. They spend the night in a greenhouse, a canal boat, a posh hotel, an empty house, a pub, a tent in a car park and a barn with a bull. Through the course of their hysterical journey they are clothed, fed and sheltered by the generous people of Britain; from llama farmers to onion farmers, students to lifeguards, a former rock-star to a former hit-man and Michael Eavis in a pair of hot-pants. They blaze a trail of open doors and warm hospitality the length of this green and pleasant land, proving that - both monetarily and opportunistically - Great Britain is undoubtedly a Free Country.
No Ordinary Hero (Keepers of Justice, Book 1) [Kindle Edition]
Dee J. Stone (Author)
http://www.amazon.com/dp/B00B6LP8GS
Book Description
Publication Date: January 26, 2013
The world is set to explode in three months.The source: a lonely girl with an extreme superpower fueled by the negative emotions inside her.The solution: send fourteen year old superhero-in-training Kale Zenith to be her friend and give her a reason to smile.The problem? The girl trusts no one.With the fate of the world in Kales hands, quitting is not an option. Perseverance is key to knocking down the many walls around her, and soon he gets to know Lindsay as more than just the girl who will destroy the planet.But theres trouble back home. A secret plot is brewing inside his superhero League, and its up to Kale to expose the traitor. But that takes time away from Lindsay when she needs him most. Can he save her and the world before its too late?
_________________________________________________________________________________________________________
Poster Girl (Friends Along the Way) [Kindle Edition]
Anne Emerick (Author), Laura Petrisin (Illustrator)
http://www.amazon.com/dp/B008PVQ2X0
Book Description
Publication Date: July 17, 2007
Paula wants to win the third-grade science poster contest more than anything. There's just one problem - and her name is Cynthia Lyden. Also known as Little Miss Perfect. Cynthia, a girl with a different hair scrunchie for every outfit. Cynthia, who handwrites whole pages without a single cross-out. Cynthia, who framed her poster and brought it in a day early. All Paula wants is a chance to shine a little. But is she smart enough to compete with Cynthia? And if so, will it matter? As the two girls compete, Paula makes a startling discovery that changes her desire to out-do her rival.
__________________________________________________________________________________________________________
Ten Interesting Things About Human Behavior [Kindle Edition]
Suzanne Davis (Author)
http://www.amazon.com/dp/B006RDFHCK
Book Description
Publication Date: October 1, 2011
Ten Interesting Things About Human Behavior is a short, lighthearted look at 10 things human beings do, why we do them, and their significance in our everyday lives. How do we resolve psychological conflict that occurs when our behavior violates our attitudes? Why are we so quick to blame others for their behavior while offering excuses for our own? What should we make of the talking heads on cable TV who argue about the cause of TV violence on children's behavior - whose explanation is correct? Why are reality TV shows, some of which portray contestants as pathetic and dysfunctional, so popular?Questions like these usually provoke different answers from different people, each of whom may attribute his or her answers to "common sense." One person argues that "of course children mimic violence they see on TV - my kids do" while another attributes it to "poor parenting - because my kids don't." Which is it, and why?Research psychologists try to answer these questions as best we can. This book is a brief look at the answers to 10 aspects of human behavior - answers derived from controlled behavioral research that is designed to test various theories about behavior. Certainly, there is more to human behavior than the 10 things I chose for this short book. And there are hundreds of primary sources and research reports that describe the research findings in more depth. They're out there if you'd like to read more.But for those who are new to the field of Experimental Psychology, 10 Things may pique your interest in learning more about the subject. And for those "armchair psychologists" out there who'd like a quick read about the most fascinating creatures on the planet - human beings - I think you'll like it, too.
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The Fireball Kid [Kindle Edition]
Bill Palmer (Author)
http://www.amazon.com/dp/B0054H3Z38
Book Description
Publication Date: June 4, 2011
The Sandlot meets The Wonder Years in The Fireball Kid - the story of 12-year-old Danny Voss, a South Side Chicago kid growing up in the racially charged mid '60s.
All Danny dreams about is playing baseball for the Chicago White Sox when he grows up, but 1964 presents some serious obstacles: The toughest teaching nuns in the Chicago Archdiocese. The Little League team and Coach from Hell. A major crush on beautiful, big-haired Gloria. Plus, a well meaning but extremely frugal father, a younger sister who wants to be a priest and a mother that thinks Danny's road to the Major Leagues is paved with her meatloaf.
Except for surviving a secret trip to Riverview, the worlds most dangerous amusement park, the summer of 1964 is hardly going Dannys way. But quicker than a Sandy Koufax fastball, Danny is flush with cash after taking a part-time clandestine job working for Willis, a charismatic black man who lures suckers to Riverviews African Dip" attraction. Dannys rep as the Fireball Kid earns him a spot on the Monarchs - an all black inner city ball team Willis manages. Its not long before the Fireball Kid finds himself playing in the game of his life with his big league dreams and his best friends life on the line.
The Fireball Kid is a hilarious and moving coming-of-age story that feels as good as spending a day at your favorite ballpark with a couple of best friends and a few cold beers.
-Matt Iseman, host of Sports Soup and Clean House.
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Make Him Commit and Think It's His Idea [Kindle Edition]
Nate Truman (Author)
http://www.amazon.com/dp/B008XT8KHA
Book Description
Publication Date: August 14, 2012
Introduction:
Why Should You Read This? If guy after guy stops calling you 'out of
the blue', then this book is for you. Hint: It's not 'out of the blue'- there are very specific
reasons why they quit calling you and I'm going to show you how to stop the
behaviors that are turning them off. If you've had more than one guy 'shut down'
and quit talking during a disagreement, then you need to read this. If you 'fight
a lot' with every guy you date... maybe you're not the unluckiest woman on the
planet that somehow 'finds all the jerks'... Maybe it's YOU. The fact
is, there are 5 very common things that women do unknowingly that really turn
men off... not only turn them off but have them running the opposite direction. Most of
these you have no idea that you're doing... In fact, you probably think that it's
part of "playing the game", when in reality you're systematically turning him
off one mistake at a time. A lot of
women think they know exactly what they're doing when it comes to dating and
reeling in the guy they want... but a lot of times the results speak for
themselves. The
Next 30 Minutes Will Reverse Years of Frustration... This
will only take you about 30 minutes to read... but it will help your dating
life out tremendously. I've taken the biggest mistakes that women make
with us guys, and boiled them down into clear explanations that you'll
instantly "get"... and it will become very clear where your problems are.
_____________________________________________________________________________________________________________How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores [Kindle Edition]
Deborah Williams (Author), Linda A. Johnson (Author)
http://www.amazon.com/dp/B006P57THG
Book Description
Publication Date: December 21, 2011
How To Talk To Your Kids & Grandkids: 10 Secrets To Being The Grandmother Everyone Adores. The #1 Kindle Bestseller in Grandparenting.
This guide explores the 10 way to talk to your kids, as well as fun tips for opening up conversations with your grandkids. How To Connect Long Distance With Grandkids
Making the Most of Your Time with Grandchildren
Grandparent Visitation
Better Conversation with Grandkids
When Grandkids Visit
Step-Grandparentingand much, much more...The Ten Secrets are not just about becoming an amazing grandparent. They are about how to build, make, and keep strong relationships with your children, and create relationships with your grandchildren that will make a lasting difference in both your life and their lives.Whether your goal is to be a long distance grandmother or to be a key part of your grandchildren's lives, there's never been a better time to learn these skills.Curious? Scroll up and click the "Buy Now" button, and learn the 10 Secrets To Being The Grandmother Everyone Adores
__________________________________________________________________________________________________________________ Perfect Pierogi Recipes [Kindle Edition]
Rose Wysocki (Author)
http://www.amazon.com/dp/B00B0GC7YK
Book Description
Publication Date: January 11, 2013
In Perfect Pierogi Recipes Rose Wysocki shares both traditional and contemporary recipes for pierogi dough, fillings and toppings. Some are recipes from her Polish Mother and Grandmother. Others are recipes she's collected or developed over the years.You'll find a total of 51 recipes. They are very easy to make. Included are recipes for: 10 different pierogi doughs (traditional and contemporary), 15 savory fillings, 6 sweet fillings, 3 traditional pierogi toppings, 2 contemporary toppings, 9 compound butters and 6 sauces. You'll also find a list of 16 additional traditional toppings and 10 contemporary toppings (without recipes.) Finally you'll find a lot of information about the history of pierogi, how to make pierogi dough, different methods to cut, stuff and seal the pierogi, how to best boil, saute, deep fry or bake pierogi, how to freeze pierogi and more. Rose also provides information about a couple of pierogi cutting and sealing tools that will save you a lot of time in preparing pierogi.Making pierogi at home is really easy if you have the right directions. This book will give you a head start on making perfect pierogi for your family in your home.
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Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living [Kindle Edition]
Judith Turnbridge (Author)
http://www.amazon.com/dp/B008GSG64C
Book Description
Publication Date: July 1, 2012
Out of Sight, Out of Mind - Easy Home Organization Tips and Storage Solutions for Clutter-Free Living Do you feel trapped in a home too small and cluttered to breathe in? Would you like a designated place for everything?If you do, then Judith Turnbridge's latest book will provide you with all the answers you've been looking for.This easy-to-follow guide is jam-packed with practical tips and ideas for clutter-free home storage. It covers a host of topics on the separate areas of your home and gives you unique ideas on storing items such as shoes, makeup, books, and more. You'll learn how to utilize every inch of space, so you can say goodbye to being overwhelmed with clutter. You'll be able to stop wasting time and money looking for lost things and buying duplicates you already have. From now on your home will never be too small.Topics covered include: The living room
Storing toys in the living room
The kitchen - including a kitchen without many cabinets
The bedroom - including storage ideas for a small bedroom
Where and how to store clothes when there are no closets
How to keep nice/business clothes from getting wrinkled and dirty while in storage
How to store clothes in an under-bed storage bag without them smelling
How to raise a bed for under-bed storage
Socks and underwear storage when you don't have a bedroom dresser
Good makeup storage and organizational tips
Simple ideas for jewellery storage
The bathroom - including an extremely tiny bathroom
The kids room - including storing school artwork and crafts
The garage - including ideas for rodent-proof garage storage
How to solve shoe storage problems due to a cluttered closet
Storing shoes that do not serve an everyday purpose
Building your own DIY shoe racks
Handbags and purses
Storing a bike in a small apartmentThere's also much more in this fabulous book. You owe it to yourself to find out why nothing is better than a well-organized home and to finally turn your back on clutter forever.Judith Turnbridge is also author of the popular 'How to Declutter Your Home for Simple Living'.
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The Cuban Missile Crisis: A Very Brief History [Kindle Edition]
Mark Black (Author)
http://www.amazon.com/dp/B00AY4N4B4Book Description
Publication Date: January 6, 2013
Want to learn more about history, but dont think you have the time? Think again.The Cuban Missile Crisis, as it is known in the United States (US), occurred in October 1962. It was a naval military standoff that took place in the Caribbean Sea off the coast of Cuba between the two superpowers: the US and the Union of the Soviet Socialist Republics (USSR). Lasting thirteen days, it marked the height of the Cold War tensions, and was the closest the two nations had actually come to an outright war, which could in turn have led to a nuclear confrontation.The Very Brief History series is intended to give the reader a short, concise account of the most important events in world history. Each book provides the reader with the essential facts concerning a particular event or person; no distractions, just the essential facts, allowing the reader to master the subject in the shortest time possible.With The Very Brief History series, anyone can become a history expert!
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Free Country: A Penniless Adventure the Length of Britain [Kindle Edition]
George Mahood (Author)
http://www.amazon.com/dp/B0085W00M8
Book Description
Publication Date: May 23, 2012
"...spent last night laughing so much my coffee came out my eyes...""...this book is quite simply the best I've read in years...""...a completely bonkers challenge and a brilliantly funny read, I couldn't put it down...""...it reminded me of some of Danny Wallace and Dave Gorman's best bits...""...this wonderful story had me crying with laughter more often than not...""...inspiring, uplifting, need I say more? Quite brilliant...""...funny, totally engrossing and actually quite moving...""...one of the most heart-warming, genuinely funny books I have read in a long time...""...not many books keep me up 'till 4am, endangering my marriage in the process... Read it now...""...for the price of half a pint of beer you'll fill at least 4 pint glasses with tears of laughter..."
FREE COUNTRY: A Penniless Adventure the Length of BritainThe plan is simple. George and Ben have three weeks to cycle 1000 miles from the bottom of England to the top of Scotland. Theres just one small problem they have no bikes, no clothes, no food and no money. Setting off in just a pair of Union Jack boxer shorts, they attempt to rely on the generosity of the British public for everything from food to accommodation, clothes to shoes, and bikes to beer.During the most extraordinary of challenges, George and Ben scavenge through rubbish bins, search for the Loch Ness monster, wash dishes, clean hotels, sing Christmas carols for food, swim in lakes, descend Cornish hills on childrens bikes and cook a barbecue for 30 old people in a field. They spend the night in a greenhouse, a canal boat, a posh hotel, an empty house, a pub, a tent in a car park and a barn with a bull. Through the course of their hysterical journey they are clothed, fed and sheltered by the generous people of Britain; from llama farmers to onion farmers, students to lifeguards, a former rock-star to a former hit-man and Michael Eavis in a pair of hot-pants. They blaze a trail of open doors and warm hospitality the length of this green and pleasant land, proving that - both monetarily and opportunistically - Great Britain is undoubtedly a Free Country.
Women's Ecco Tao Lace - up Walking Shoes $29.99 bargainoutfitters.com
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TextNikon Coolpix S3300
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http://www.staples.comItem: 467224 Model: 26309 Product DetailsGive it your best shot with the Nikon COOLPIX S3300! Your pictures matter, so show only your best. With its slim design and 6x optical Zoom-NIKKOR glass lens with optical VR Image Stabilization, the Nikon COOLPIX S3300 lets you clearly capture everything from close-ups to touchdowns. Press the movie record button and start shooting HD movies in 720p. Then let your friends view it all instantly on the bright 2.7-inch LCD monitor. Get super simple camera operation with the Coolpix S3300 starting with minimal buttons and modes to fumble through. Youll love the ultra-intuitive command and feature buttons and the easy-to-understand menu. And when it comes to size, this camera is thinner than 1 inch and weighs just 4.6 ounces to easily fit in your pocket or purse.
16.0 megapixels
6x opitcal/4x digital zoom
2.7" high-resolution LCD Monitor
Nikon's Lens-shift VR image stabilization to help you capture consistently sharp and beautiful pictures
Apply Special effects when shooting pictures or movies to explore your own unique artistic expression; you can choose from Soft, High key, Low key, Nostalgic sepia, Selective color, or High-contrast monochrome effects
EXPEED C2 image processing engine
Smart portrait system
Eye-Fi card support
USB charging via Charging AC adapter (supplied) or PC
Supports SD/SDHC/SDXC Cards (Approx. 42MB internal memory included)
Dimensions 2.3"H x 3.8"W x 0.8"D, (4.6 oz)
1-year mfr. limited warranty What's in the Box?
Nikon Coolpix S3300 Digital Camera
Rechargeable Li-ion Battery EN-EL19
Charging AC Adapter EH-69P
USB Cable UC-E6
Audio Video Cable EG-CP14
Strap
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Staples Coupons
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http://www.staples.comItem: 467224 Model: 26309 Product DetailsGive it your best shot with the Nikon COOLPIX S3300! Your pictures matter, so show only your best. With its slim design and 6x optical Zoom-NIKKOR glass lens with optical VR Image Stabilization, the Nikon COOLPIX S3300 lets you clearly capture everything from close-ups to touchdowns. Press the movie record button and start shooting HD movies in 720p. Then let your friends view it all instantly on the bright 2.7-inch LCD monitor. Get super simple camera operation with the Coolpix S3300 starting with minimal buttons and modes to fumble through. Youll love the ultra-intuitive command and feature buttons and the easy-to-understand menu. And when it comes to size, this camera is thinner than 1 inch and weighs just 4.6 ounces to easily fit in your pocket or purse.
16.0 megapixels
6x opitcal/4x digital zoom
2.7" high-resolution LCD Monitor
Nikon's Lens-shift VR image stabilization to help you capture consistently sharp and beautiful pictures
Apply Special effects when shooting pictures or movies to explore your own unique artistic expression; you can choose from Soft, High key, Low key, Nostalgic sepia, Selective color, or High-contrast monochrome effects
EXPEED C2 image processing engine
Smart portrait system
Eye-Fi card support
USB charging via Charging AC adapter (supplied) or PC
Supports SD/SDHC/SDXC Cards (Approx. 42MB internal memory included)
Dimensions 2.3"H x 3.8"W x 0.8"D, (4.6 oz)
1-year mfr. limited warranty What's in the Box?
Nikon Coolpix S3300 Digital Camera
Rechargeable Li-ion Battery EN-EL19
Charging AC Adapter EH-69P
USB Cable UC-E6
Audio Video Cable EG-CP14
Strap
ViewNX 2 Installer CD
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musiciansfriend.com Akai Professional MPK Mini Laptop Production Keyboard $72.26 Free Shipping
Added on : Saturday April 13th 2013 08:00:07 PM
Text
http://www.musiciansfriend.comSale Price: $72.26
Free ShippingAkai Professional MPK Mini Laptop Production Keyboard
Portable keyboard controller with extensive software control.
The Akai Pro MPK mini is an ultra-compact mini-keyboard with an impressive array of buttons, knobs and pads to provide hands-on performance and production control no matter your location. MPK mini strikes the perfect balance between portability and comprehensive software control by melding together the complete control offered in the popular Akai Pro MPK family with the grab-and-go convenience of the LPK25 and LPD8. With a 25-note keyboard, 8 backlit, MPC-style pads and 8 Q-Link knobs, the MPK mini is the ultimate portable controller to get your music moving. The MPK mini keyboard is ideal for quickly entering notes and phrases into your computer. The velocity-sensitive keys allow you to accurately express dynamics, while accessing different pitch ranges is done instantly through dedicated Octave Up and Octave Down buttons. Create sparkling, staccato leads and driving bass-lines in a variety of time denominations and patterns with MPK mini's built-in arpeggiator. A Tap-Tempo button gives you the ability to quickly adjust the arpeggiator clock, which is essential if you're looking to stay in sync with a band. A Sustain button holds notes after releasing your hand from the keyboard allowing you the opportunity to easily pound pads and twist knobs, with no pedal required. MPK mini's 8 backlit, velocity-sensitive pads are based on Akai Professionals MPC line of iconic music production stations. Great for firing one-shot samples and sequencing drum patterns, you can use the pads to send note information, MIDI CCs, or even program changes. Pressing the Bank button will quickly toggle between 2 banks of pads giving you access to 16 pads in total. Additionally, the MPK mini has 8 assignable Q-Link knobs to control virtually any parameter in your software. MPK mini works plug-and-play with Mac and PC and requires no software driver installation or wall power for operation. It has four memory banks for programming and recalling settings appropriate to your favorite software programs. The included software editor lets you quickly map MPK mini's controls as well. Features
Ultra-portable software MIDI controller
25-note, velocity-sensitive mini keyboard
Eight backlit, velocity-sensitive MPC-style pads (2 banks, 16 total)
Pads can send note information, MIDI CCs and program changes
Eight assignable Q-Link knobs to adjust virtually any parameter
Built-in arpeggiator with adjustable resolution, range and patterns
Tap-Tempo button to quickly adjust pace of the arpeggiator
Dedicated Octave Up, Octave Down and Sustain buttons
Program Recall button to restore up to 4 separate global settings
Solid Akai Pro design
Powered through USB
Musician's Friend Coupons
http://www.musiciansfriend.comSale Price: $72.26
Free ShippingAkai Professional MPK Mini Laptop Production Keyboard
Portable keyboard controller with extensive software control.
The Akai Pro MPK mini is an ultra-compact mini-keyboard with an impressive array of buttons, knobs and pads to provide hands-on performance and production control no matter your location. MPK mini strikes the perfect balance between portability and comprehensive software control by melding together the complete control offered in the popular Akai Pro MPK family with the grab-and-go convenience of the LPK25 and LPD8. With a 25-note keyboard, 8 backlit, MPC-style pads and 8 Q-Link knobs, the MPK mini is the ultimate portable controller to get your music moving. The MPK mini keyboard is ideal for quickly entering notes and phrases into your computer. The velocity-sensitive keys allow you to accurately express dynamics, while accessing different pitch ranges is done instantly through dedicated Octave Up and Octave Down buttons. Create sparkling, staccato leads and driving bass-lines in a variety of time denominations and patterns with MPK mini's built-in arpeggiator. A Tap-Tempo button gives you the ability to quickly adjust the arpeggiator clock, which is essential if you're looking to stay in sync with a band. A Sustain button holds notes after releasing your hand from the keyboard allowing you the opportunity to easily pound pads and twist knobs, with no pedal required. MPK mini's 8 backlit, velocity-sensitive pads are based on Akai Professionals MPC line of iconic music production stations. Great for firing one-shot samples and sequencing drum patterns, you can use the pads to send note information, MIDI CCs, or even program changes. Pressing the Bank button will quickly toggle between 2 banks of pads giving you access to 16 pads in total. Additionally, the MPK mini has 8 assignable Q-Link knobs to control virtually any parameter in your software. MPK mini works plug-and-play with Mac and PC and requires no software driver installation or wall power for operation. It has four memory banks for programming and recalling settings appropriate to your favorite software programs. The included software editor lets you quickly map MPK mini's controls as well. Features
Ultra-portable software MIDI controller
25-note, velocity-sensitive mini keyboard
Eight backlit, velocity-sensitive MPC-style pads (2 banks, 16 total)
Pads can send note information, MIDI CCs and program changes
Eight assignable Q-Link knobs to adjust virtually any parameter
Built-in arpeggiator with adjustable resolution, range and patterns
Tap-Tempo button to quickly adjust pace of the arpeggiator
Dedicated Octave Up, Octave Down and Sustain buttons
Program Recall button to restore up to 4 separate global settings
Solid Akai Pro design
Powered through USB
Musician's Friend Coupons
Text
http://www.kohls.comTek Gear Basic Fleece Jacket - Big & Tall
now $9.60
original $48.00
Active wear essential. Stay on the move no matter the weather in this men's Tek Gear fleece jacket.
Zippered chest pocket secures your belongings.
Details: Zip front
3-pocket
Long sleeves
Polyester
Machine wash
Imported
Promotional offers available online at Kohls.com may vary from those offered in Kohl's storesMarc Anthony Solid Cashmere V-Neck Sweater - Big and Tallnow $40.00original $200.00
Grand Slam 1/4-Zip Performance Fleece Jacket - Big and Tallnow $14.00original $70.00
SONOMA life + style Thermal Lightweight Hoodie - Big and Tallnow $15.00original $75.00
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http://www.kohls.comTek Gear Basic Fleece Jacket - Big & Tall
now $9.60
original $48.00
Active wear essential. Stay on the move no matter the weather in this men's Tek Gear fleece jacket.
Zippered chest pocket secures your belongings.
Details: Zip front
3-pocket
Long sleeves
Polyester
Machine wash
Imported
Promotional offers available online at Kohls.com may vary from those offered in Kohl's storesMarc Anthony Solid Cashmere V-Neck Sweater - Big and Tallnow $40.00original $200.00
Grand Slam 1/4-Zip Performance Fleece Jacket - Big and Tallnow $14.00original $70.00
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Croft and Barrow Bibbed Microfiber Bomber Jacket - Big and Tallnow $36.00original $180.00
Croft and Barrow Plaid Microfleece Lounge Pants - Big and Tallnow $6.80original $34.00
Columbia Sportswear Company Northern Voyage Jacket - Big and Tallnow $50.00original $125.00
Croft and Barrow Classic-Fit Houndstooth Blazer - Big and Tallnow $68.00original $170.00
Jockey Classic 2-pk. Brief - Big and Tallnow $6.75original $22.50
Haggar Work-to-Weekend Windowpane Mock-Layer 1/4-Zip Pullover - Big and Tallnow $27.20original $68.00
Dockers Diamond V-Neck Sweater - Big and Tallnow $16.20original $54.00
Apple 16GB i Pad 4th Gen with Retina Display - Wi-Fi via major EBayer, FREE SHIP! $449
Added on : Friday April 12th 2013 07:00:03 PM
NEW Ipad 4!Breakthrough Retina display.
It's even more than meets the eye.The Retina display on iPad makes everything look crisp and lifelike. Text is razor sharp. Colors are vibrant. Photos and videos are rich with detail. All thanks to its 3.1 million pixels. Its the best mobile display ever.We focused on the big picture, but never lost sight of the details.The most important feature on any iPad is the screen. So for the iPad with Retina display, we wanted to build not just the best iPad display, but the best display on any mobile device. To create a display with over 3 million pixels was an engineering feat in its own right. But we went even further. We designed a camera that could take images as brilliant as the display itself. And we enclosed iPad in a unibody so thin and light, you can take all those pixels with you wherever you go. And they travel beautifully.It's breakthrough technology. For a breakthrough display.In order to create a display with a 2048-by-1536-pixel resolution, we had to design it in a completely new way. Every pixel in a display has multiple signals telling it when to light up. But when you have a lot of pixels and a lot of signals on the same plane, signals get crossed and image quality suffers. To make sure everything on iPad looks crystal clear, Apple engineers elevated the pixels onto a different plane - separating them from the signals. It's technology that's breakthrough. Just like iPad itself.A camera to match the world's best mobile display.Megapixels matter. But the quality of a photo is determined by other things, too - like the camera's optics, image signal processor, and software. The iSight camera uses advanced optics to give you the best picture possible. With an f/2.4 aperture and a five-element lens, it captures light efficiently to produce a sharper and brighter overall image. And the hybrid infrared filter - typically reserved for expensive SLR cameras - keeps out harmful IR light for more accurate, uniform colors.Over 3 million pixels. Less than half an inch thin.Even with so much power built into iPad, it's incredibly thin and light. From the A6X chip to the Retina display, we had to engineer each component to maximize performance while minimizing size and weight. So at just 0.37 inch thin and less than 1.5 pounds, iPad isn't just capable, it's portable, too.A singular device carved from a single piece of aluminum.iPad is sleek, beautiful, and engineered to handle life on the go - thanks in large part to the aluminum unibody. By consolidating many parts into one, everything becomes less complex and far more precise. The result is an iPad that's thin, light, and durable enough for the ins and outs of everyday life.Lightning connectorNot only is the Lightning connector 80 percent smaller than the 30-pin connector, it was designed to be reversible and significantly for durable.The thought and consideration we put into our products go well beyond design.How a product looks and performs matters, but so does its impact on the environment. Thats why nearly every Apple product is made from highly recyclable materials like aluminum, and why we refuse to use harmful toxins in our components.Every iPad is free of brominated flame retardants (BFRs) and polyvinyl chloride (PVC). In fact, Apple has one of the strictest BFR-free and PVC-free standards in the industry. And we expect the same from our suppliers. We go so far as to disassemble our products into individual components and materials in our Cupertino lab. Then we test them using many methods, including X-ray fluorescence spectroscopy and ion chromatography. We do this to ensure that every product we release meets our environmental standards.Powerful A6X chip.
We doubled down on performance.Twice the speed. Twice the graphics performance.The new A6X chip inside iPad is our most powerful mobile chip yet. It delivers up to twice the CPU and graphics performance of the A5X chip. And it makes iPad feel faster and even more responsive. Apps launch instantly and run smoothly. Graphics-intensive games are fluid and lifelike on the gorgeous Retina display. And with improved image signal processing built into the A6X chip, the photos and videos you take with the 5-megapixel iSight camera look sharper and even more Retina worthy.10-hour battery life.iPad features a 3.1-million-pixel Retina display and an advanced processor and graphics. How much of an effect does that have on battery life? Almost none. You still get up to 10 hours of power to read, watch, play, write, and create whatever you want, all you want.Ultrafast wireless.
Make faster connections. The world over.Advanced Wi-Fi technology. Built in.The new Wi-Fi capabilities built into iPad keep you connected faster than ever - up to twice as fast as any previous-generation iPad. With dual-band (2.4GHz and 5GHz) 802.11n Wi-Fi and support for channel bonding, download speeds can reach up to 150 Mbps. Translation: Many of the things you do every day may start to feel a whole lot faster.Next-generation cellular connectivity - up to LTE.If you want to connect to the Internet even when you don't have access to Wi-Fi, choose iPad with Wi-Fi + Cellular. It now supports even more ultrafast cellular networks around the world - including LTE wireless networks6 and other advanced networks such as HSPA, HSPA+, and DC-HSDPA. So you can download content, stream video, and browse the web at amazing speeds - without a contract or long-term commitment.Siri. Your wish is its command.Siri is the intelligent assistant that helps you get things done, just by asking. Talk to Siri as you would to a person: Ask "Do I need an umbrella?" or "Did the Giants win last night?" or "What time is the barbecue on Sunday?" Siri not only understands what you say, it knows what you mean. It figures out the right apps to use to find the right answer. Then, just like a personal assistant, Siri provides you with the information you need.iOS. The world's most advanced mobile operating system.At the core of every iPad, iPhone, or iPod touch is iOS. It includes all the built-in apps you use every day and all the intuitive technology - like Multi-Touch and Siri - that makes iPad so advanced. With every free iOS update comes even more capability for your devices. You'll find the latest version, iOS 6, already installed on iPad. So right out of the box, you get more than 200 new features to make the things you do every day even better.iCloud. Your content. On all your devices.iCloud is built right into iPad. Just turn it on and you'll have instant access to all the things you need, whether you're on your iPad, iPhone, iPod touch, Mac, or PC. New features in iOS 6 let you do even more with iCloud. Share the photos you want with the people you choose using Shared Photo Streams. Locate, lock, and recover your misplaced iPad easier than ever. Browse a web page on one device and pick up where you left off on another device using iCloud Tabs. And that's just for starters.
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It's even more than meets the eye.The Retina display on iPad makes everything look crisp and lifelike. Text is razor sharp. Colors are vibrant. Photos and videos are rich with detail. All thanks to its 3.1 million pixels. Its the best mobile display ever.We focused on the big picture, but never lost sight of the details.The most important feature on any iPad is the screen. So for the iPad with Retina display, we wanted to build not just the best iPad display, but the best display on any mobile device. To create a display with over 3 million pixels was an engineering feat in its own right. But we went even further. We designed a camera that could take images as brilliant as the display itself. And we enclosed iPad in a unibody so thin and light, you can take all those pixels with you wherever you go. And they travel beautifully.It's breakthrough technology. For a breakthrough display.In order to create a display with a 2048-by-1536-pixel resolution, we had to design it in a completely new way. Every pixel in a display has multiple signals telling it when to light up. But when you have a lot of pixels and a lot of signals on the same plane, signals get crossed and image quality suffers. To make sure everything on iPad looks crystal clear, Apple engineers elevated the pixels onto a different plane - separating them from the signals. It's technology that's breakthrough. Just like iPad itself.A camera to match the world's best mobile display.Megapixels matter. But the quality of a photo is determined by other things, too - like the camera's optics, image signal processor, and software. The iSight camera uses advanced optics to give you the best picture possible. With an f/2.4 aperture and a five-element lens, it captures light efficiently to produce a sharper and brighter overall image. And the hybrid infrared filter - typically reserved for expensive SLR cameras - keeps out harmful IR light for more accurate, uniform colors.Over 3 million pixels. Less than half an inch thin.Even with so much power built into iPad, it's incredibly thin and light. From the A6X chip to the Retina display, we had to engineer each component to maximize performance while minimizing size and weight. So at just 0.37 inch thin and less than 1.5 pounds, iPad isn't just capable, it's portable, too.A singular device carved from a single piece of aluminum.iPad is sleek, beautiful, and engineered to handle life on the go - thanks in large part to the aluminum unibody. By consolidating many parts into one, everything becomes less complex and far more precise. The result is an iPad that's thin, light, and durable enough for the ins and outs of everyday life.Lightning connectorNot only is the Lightning connector 80 percent smaller than the 30-pin connector, it was designed to be reversible and significantly for durable.The thought and consideration we put into our products go well beyond design.How a product looks and performs matters, but so does its impact on the environment. Thats why nearly every Apple product is made from highly recyclable materials like aluminum, and why we refuse to use harmful toxins in our components.Every iPad is free of brominated flame retardants (BFRs) and polyvinyl chloride (PVC). In fact, Apple has one of the strictest BFR-free and PVC-free standards in the industry. And we expect the same from our suppliers. We go so far as to disassemble our products into individual components and materials in our Cupertino lab. Then we test them using many methods, including X-ray fluorescence spectroscopy and ion chromatography. We do this to ensure that every product we release meets our environmental standards.Powerful A6X chip.
We doubled down on performance.Twice the speed. Twice the graphics performance.The new A6X chip inside iPad is our most powerful mobile chip yet. It delivers up to twice the CPU and graphics performance of the A5X chip. And it makes iPad feel faster and even more responsive. Apps launch instantly and run smoothly. Graphics-intensive games are fluid and lifelike on the gorgeous Retina display. And with improved image signal processing built into the A6X chip, the photos and videos you take with the 5-megapixel iSight camera look sharper and even more Retina worthy.10-hour battery life.iPad features a 3.1-million-pixel Retina display and an advanced processor and graphics. How much of an effect does that have on battery life? Almost none. You still get up to 10 hours of power to read, watch, play, write, and create whatever you want, all you want.Ultrafast wireless.
Make faster connections. The world over.Advanced Wi-Fi technology. Built in.The new Wi-Fi capabilities built into iPad keep you connected faster than ever - up to twice as fast as any previous-generation iPad. With dual-band (2.4GHz and 5GHz) 802.11n Wi-Fi and support for channel bonding, download speeds can reach up to 150 Mbps. Translation: Many of the things you do every day may start to feel a whole lot faster.Next-generation cellular connectivity - up to LTE.If you want to connect to the Internet even when you don't have access to Wi-Fi, choose iPad with Wi-Fi + Cellular. It now supports even more ultrafast cellular networks around the world - including LTE wireless networks6 and other advanced networks such as HSPA, HSPA+, and DC-HSDPA. So you can download content, stream video, and browse the web at amazing speeds - without a contract or long-term commitment.Siri. Your wish is its command.Siri is the intelligent assistant that helps you get things done, just by asking. Talk to Siri as you would to a person: Ask "Do I need an umbrella?" or "Did the Giants win last night?" or "What time is the barbecue on Sunday?" Siri not only understands what you say, it knows what you mean. It figures out the right apps to use to find the right answer. Then, just like a personal assistant, Siri provides you with the information you need.iOS. The world's most advanced mobile operating system.At the core of every iPad, iPhone, or iPod touch is iOS. It includes all the built-in apps you use every day and all the intuitive technology - like Multi-Touch and Siri - that makes iPad so advanced. With every free iOS update comes even more capability for your devices. You'll find the latest version, iOS 6, already installed on iPad. So right out of the box, you get more than 200 new features to make the things you do every day even better.iCloud. Your content. On all your devices.iCloud is built right into iPad. Just turn it on and you'll have instant access to all the things you need, whether you're on your iPad, iPhone, iPod touch, Mac, or PC. New features in iOS 6 let you do even more with iCloud. Share the photos you want with the people you choose using Shared Photo Streams. Locate, lock, and recover your misplaced iPad easier than ever. Browse a web page on one device and pick up where you left off on another device using iCloud Tabs. And that's just for starters.
eBay Coupons
Hello all:I've been reading here for years; learned a lot! I finally decided to buy some land off the foreclosure auction to hopefully one day have the cash to flip houses. Auction is coming up in about two weeks and I will be buying a plot of land in the 5k range. I see them on eBay for about 9k. With all fees I stand to walk away with 2-3k in profit. I am going through all the preparations (Don't worry I know a few people that do this on a regular basis) and have come across the dilemma of titling. How would I title the land? I want to avoid at all costs using a family members name as things are constantly shaky. I am thinking of making a corporation (YoungInvestor LLC) and making myself the owner of the LLC. I know LLC's can own property but can a minor operate them? I am only 16 and with this I would be frequently buying properties off the auction and selling them. I know there are attorneys on here and I need some advice. I am in upstate FL if it matters.Thanks
YoungInvestor
YoungInvestor
My accountant is a bit outdated on this matter.. I was wondering if I can get some help. I have a corp set up for my consulting business. It's only two years old and 2012 was the first full year in business. I've originally set it up as C-Corp then we forgot to convert it to S-Corp in 2012. Now I'm stuck filing taxes as a C-Corp and am not allowed to pass through my income. Is it possible to do a late S-Corp election filing before I file my 2012 taxes. I've requested for an extension already so I should be okay on time. Please help~
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Environment Getting Tough For Investors: My Breakdown
Added on : Wednesday April 10th 2013 07:01:17 PM
In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest for the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from the valuation of the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute, central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself out and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute, central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself out and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest in the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from your confidence in the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
Selling Car, to fix bumper or sell with out fixing bumper??
Added on : Wednesday April 10th 2013 01:01:11 PM
Hey Guys, I know car buying/selling advice is seen alot on FWF and mostly its a matter of personal opinion. But I feel this is more financial than most posts which are simply I want a new car or should I keep an old one. I plan on selling my car, an 09 Lancer, The driver side Fender and Bumper need to be replaced, a shop quoted me about $1500 for the repairs, should I pay for the repairs than try to sell the car or should I just try and sell the car the way it is. These are only cosmetic damages does not effect driving or anything like that. I also have a lot of scratches on the car, (used to park in my college town and I guess drunk people thought it would be funny to key my car??). So if I replace the bumper/fender I will still not be able to list the car in PERFECT/AWESOME condition... any advice?Thanks!
Craftsman 3-Piece Set: Damaged Screws Be Gone at - Save $10 for $9.99
Added on : Wednesday April 10th 2013 09:00:08 AM
Craftsman 3-Piece Set: Damaged Screws Be Gone at - Save $10 for $9.99http://www.kmart.com/shc/s/p_10151_10104_005W031818211212PThe bits can be used with variable speed power drill with a reverse mode, or manually with a 1/4-inch hex driver. And it doesn't matter what how damaged or how the screw used to look: the set tackles Phillips, slotted, hex, Torx, or square recess heads. When done, the bits store easily in a sleek, tough case.Whether stripped with age or faulty from the start, this Screw Remover Set ensures that a stripped screw doesn't ruin your day. Salvage old wood with ease or tackle a fixer upper with confidence. With the Craftsman warranty, it's guaranteed to work.
The Craftsman Screw-Out Damaged Screw Remover Set comes with three bits: small, medium, and large to tackle any screw size
Set works across all types of heads, including Phillips, slotted, hex, Torx, or square recess
Bits get the job done in a variable speed reverse-mode power drill as well as manually with a 1/4-inch hex driver
Backed by the Craftsman warranty, you can trust that it'll work for you every time
Kmart.com Coupons
The Craftsman Screw-Out Damaged Screw Remover Set comes with three bits: small, medium, and large to tackle any screw size
Set works across all types of heads, including Phillips, slotted, hex, Torx, or square recess
Bits get the job done in a variable speed reverse-mode power drill as well as manually with a 1/4-inch hex driver
Backed by the Craftsman warranty, you can trust that it'll work for you every time
Kmart.com Coupons
I am outside the US, and will be for awhile longer. So would it be fine to use an Online Bill Pay (ie, Cap One) to send out my state taxes? I would include my SSN in the comments. I am also E-filing, and it is Michigan, if that matters. Thank you.
Advanced Technology side folding 6-position shotgun stock Shipping for $84.75 -- $9.95 Shipping
Added on : Tuesday April 09th 2013 10:00:06 AM
Advanced Technology side folding 6-position shotgun stock Shipping for $84.75$9.95 Shipping on all order from Epicenter of Defense, doesn't matter what you add to your order. http://www.epicenterofdefense.com/ADVANCED-TECHNOLOGY-SIDE-FOLDI...Six Position Collapsible / Side Folding Buttstock
Buttstock Folds to Left Side of Receiver
New and Improved Pivot Housing Assembly
Scorpion Recoil System
Scorpion Razorback Recoil Pad Non-Slip, Removable
Scorpion Recoil Pistol Grip Ergonomic, Sure-Grip Texture
Recoil Impact is Absorbed Shooting any Load Size can now be Done with No Pain being Transferred to the Shooter
Reduces the Challenge of Reacquiring the Target by Minimizing the Muzzle Lift
Not Affected by Chemicals
Remains Flexible in Extreme Temperatures
Eliminates the Felt Punch of the Recoil
Removes Limitations from Spring and Piston Type Recoil Suppression SystemFits Most 12 Gauge Mossberg 500/535/590/835, Remington 870 and Winchester 1200/1300 Shotguns
Buttstock Folds to Left Side of Receiver
New and Improved Pivot Housing Assembly
Scorpion Recoil System
Scorpion Razorback Recoil Pad Non-Slip, Removable
Scorpion Recoil Pistol Grip Ergonomic, Sure-Grip Texture
Recoil Impact is Absorbed Shooting any Load Size can now be Done with No Pain being Transferred to the Shooter
Reduces the Challenge of Reacquiring the Target by Minimizing the Muzzle Lift
Not Affected by Chemicals
Remains Flexible in Extreme Temperatures
Eliminates the Felt Punch of the Recoil
Removes Limitations from Spring and Piston Type Recoil Suppression SystemFits Most 12 Gauge Mossberg 500/535/590/835, Remington 870 and Winchester 1200/1300 Shotguns
Only guranteed FREE at time of posting (check price before ordering, they change)! All have 4-5 stars or are so new they don't have ratings. A variety of genres in the hope you'll find something you'll enjoy!Murder Behind the Closet Door, Abridged, Book One (Detective Bill Riggins Paranormal Mysteries) by Christopher Pinto (Mar 20, 2013) - Kindle eBook
LinkEdited for a faster read! Over 100 pages eliminated from the original, for those who would rather "get to the point". Book One of a Condensed Trilogy.The Original "Murder Behind the Closet Door" is filled with side-stories, literary descriptions and character depth that not all readers find as interesting and thrilling as other. This condensed trilogy is for you! The Story:
"A 5-Star rated murder mystery - ghost story full of adventure, the occult, and dark souls, Murder Behind The Closet Door is an excellent novel for anyone who appreciates Noir fiction, Mickey Spillane-style mysteries and a Stephen King-style thriller wrapped up in one truly original, well told story."(Note: This book contains sex, strong language, violence, and very scary situations. Not for the timid. If it were a movie, the rating would be NC-17. It is a book written for people who love to fall deeper and deeper into a layered mystery. Reading this book is an adventure.)A dilapidated house with an evil secret in the basement. An auto-wrecking yard with the devious, rusted remains of a murderer's getaway car. An unsolved bank robbery with hundreds of thousands of dollars never found. A detective trying to solve an age old murder before his ticker runs out. A slow, agonizing death for an unfortunate victim and his soul reaching from beyond... "Murder Behind The Closet Door" is a murder murder mystery ghost story that keeps you engaged and guessing from the first paragraph. Creepy, riveting, this mystery-ghost story reveals another existence, one just beyond our own, where the occult and the paranormal meet reality and everyday people find themselves swept into very extraordinary circumstances. The story is set in Ocean City and Wildwood, NJ during the late 1970s (with flashbacks to the '30s & '50s), and centers around a young woman who begins her career marketing an amusement pier on the world-famous Wildwood Boardwalk on the Jersey Shore. Just as Heather's adult life really begins to blossom, her torment begins. Not long after moving into a 70 year-old rooming house, Heather's mundane life takes an uncontrolled turn toward insanity. Although she refuses to acknowledge her ghost, a mysterious entity begins to taunt her, an entity impetuously determined to contact her through her bedroom closet. At first these mild encounters are merely disturbing.... Aspirations of a life of quaint mediocrity vanish as she and her friends try to discover the Motives of her tormentor, finding that the truths in which she believed her entire life had been nothing but an elaborate veneer. As Heather falls deeper into the mystery, she finds the physical world around her is much stranger - and more terrifying - than she could ever have imagined.What's missing from the original?
Several "side" stories, including life in Wildwood, NJ in the late 1970s, interesting tales of the characters, and individual charachters' thoughts and revelations. The author, and most readers who enjoy longer books, find these add a considerable amount of "likability" to the book. However, at Stardust Publishing realize that many people in today's fast-paced world would rather cut to the chase. This series does just that, concentrating on the action, without some of the humorous or interesting details.
================================================You Can Have a Healthier Lifestyle with Mediterranean Diet Secrets by Marc Holden (Mar 20, 2013) - Kindle eBook
LinkAre you tired of chasing fad diets that promise immediate success but produce nothing when you attempt them?
Tired of tasteless meals? Want to eat healthy, but don't feel like purchasing expensive and bland health food?
Then the Mediterranean Diet is absolutely PERFECT FOR YOU.
With it you will be able to enjoy all sorts of delicious and tasty food, while managing to not only lose weight, but live an altogether healthier lifestyle.
Based around the foods available in countries like Spain, Italy, Greece, and Morocco, some of the foods you'll be able to enjoy with this diet are:
Chicken
Seafood
Nuts
Beans
Nearly Every Vegetable
Sweet Fruits
A glass or Two of Red Wine
A Piece of Dark Chocolate
And MUCH MORE!
======================================17 Muffins in 7 Steps by Aya Saffouri and Jim Yaghi (Apr 4, 2013) - Kindle eBook
Link17 fun, delicious and easy muffin recipes, with 5 quick frostings and 7 useful tips to introduce your teen or tween to the world of BAKING! This will make a great birthday gift for your girl. Muffins are tasty, Muffins are sweet, They're my favorite food to eat. Blueberry, banana nut, hazelnut berry and Oreo. These yummy muffins are quick and easy to make, and a truly healthy treat.
================================================77 Dinner Recipes From Around The Globe by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"77 Dinner Recipes From Around The Globe" containing 77 dinner recipes from around the world: Striped bass en court-boullion, Potatoes hollandaise, Stuffed tomatoes, Stuffing for tomatoes, Sweetbreads braises, Sauce bearnaise, Punch francaise, Roast redhead ducks, Fried hominy for game, Hot rum sauce, Vanilla ice cream, Macaroons, Canapes of caviare, Halibut steaks, Anchovy butter, Potatoes persillade, Leg of lamb, Jardiniere, Roast turkey, Cranberry sauce, Celery salad, Mayonnaise sauce, Cabinet pudding, Prentanier for soup, Sauce normande, Bread croutons, Chicken valencienne, Spring-lamb chops, Soubise sauce, Punch cardinal, and many more...,
=================================================48 Breads And Muffins Recipes: Simple, Authentic and Traditional by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"48 Breads And Muffins Recipes: Simple, Authentic and Traditional" containing 48 simple, authentic and traditional Breads and Muffins recipes: Milk bread, Graham bread, Sweet loaf, Shredded wheat bread, Corn bread, Oatmeal bread. Brown bread, Titusville brown bread, Nut bread, Raised muffins, New england blueberry muffins, Date muffins, Western muffins, Lunch rolls, Coffee cake, Coffee muffins, Apple gems, Beaten biscuits, Southern recipe, Bannocks, Batter bread, Rice muffins, Lunch muffins, Saratoga corn cakes and many more...
=================================================Cake Recipes for Dummies by Descubriendo Apps (Apr 6, 2013) - Kindle eBook
http://www.amazon.com/Cake-Recipes-for-Dummies-ebook/dp/B00C8WN2NU/ref=sr_1_34?s=digital-text&ie=UTF8&qid=1365500188&sr=1-34Surprise your family and friends with our delicious desserts.Learn step by step how to create more than 20 different recipes in an easy and fast way.Table ContentFunfetti Dump Cake
Candy Cane Dump Cake
Triple Chocolate Pudding Dump Cake
Angel Food Dump Cake
Chocolate Coconut Dump Cake
Tropical Coconut Dump Cake
Pineapple Orange Dump Cake
Apple Caramel Dump Cake
Chocolate Pumpkin Dump Cake
Strawberry Pineapple Dump Cake
Peach Blueberry Dump Cake
Fruit Cocktail Dump Cake
Lemon Dump CakeAND MORE......
==========================================Georgiana Darcy's Diary: Jane Austen's Pride and Prejudice continued (Pride and Prejudice Chronicles) by Anna Elliott and Laura Masselos (Apr 20, 2011) - Kindle eBook
LinkMr. Darcy's younger sister searches for her own happily-ever-after... The year is 1814, and it's springtime at Pemberley. Elizabeth and Mr. Darcy have married. But now a new romance is in the air, along with high fashion, elegant manners, scandal, deception, and the wonderful hope of a true and lasting love. Shy Georgiana Darcy has been content to remain unmarried, living with her brother and his new bride. But Elizabeth and Darcy's fairy-tale love reminds Georgiana daily that she has found no true love of her own. And perhaps never will, for she is convinced the one man she secretly cares for will never love her in return. Georgiana's domineering aunt, Lady Catherine de Bourgh, has determined that Georgiana shall marry, and has a list of eligible bachelors in mind. But which of the suitors are sincere, and which are merely interested in Georgiana's fortune? Georgiana must learn to trust her heart--and rely on her courage, for she also faces the return of the man who could ruin her reputation and spoil a happy ending, just when it finally lies within her grasp.
===========================================================I am the Great Horse by Katherine Roberts (Jan 9, 2013) - Kindle eBook
LinkClimb on my back, if you dare, and let ME carry you into the battles that changed the world!So speaks Alexander the Great's bold black stallion Bucephalas, one of the most famous horses of the ancient world, as he recounts their epic journey from Macedonia, across Persia and over the Himalayas into India, straight from the horse's mouth.In the tradition of Michael Morpurgos "War Horse" and Anna Sewell's "Black Beauty", this mixture of fiction and history will appeal to readers looking for a lively account of the legends surrounding Alexander of Macedon and the men and women who followed him to the ends of the earth.Originally published in hardcover by Scholastic US and in paperback by Chicken House UK, the ebook includes an illustrated map of Bucephalas hoofprints by artist Brian Sanders.
=======================================================A Trio of Irish Tales (Trio Tales) by Judith Cullen and Micki McIntyre (Mar 5, 2013) - Kindle eBook
LinkMeet Ireland's legendary "Man of the Mists", experience the life of one woman through a sacred oak tree, or delight in the old-world vs new-world clash between an annoyed pooka and a digitally savvy teenager. In this first volume of the "Trio Tales" series, author Judith Cullen celebrates her heritage inspired by family and friends, and she even invites the fairies out to dance.
==========================================================God Painted Us a Rainbow by Katrina Streza and Lisa Graves (Mar 26, 2013) - Kindle eBook (Childrens)
Link Celebrate the beauty of God's creation!
In this rhyming picture book, children learn to thank God for all types of days. Rainy, sunny, foggy or clear, there is so much beauty to be shared. Charming illustrations bring this fun and important concept to life for toddlers, preschoolers and kindergarteners. A perfect addition to a Christian education unit on weather, seasons, or the changing times of day.===================================================================Abc's of Baseball - A Children's Picture Alphabet Rhyming Book about the great game of Baseball (Baby-3) by ANTOINE CAMERON and Michael Golez (Mar 12, 2013) - Kindle eBook
LinkThis baseball rhyming book is great for any toddler learning their abc's and they will get to learn about baseball as well. The book is a rhyming book with 26 beautifully illustrated pictures by Michael Golez. The author Antoine Cameron also has close ties to the game of baseball since he played pro for the Chicago Cubs. You child will enjoy learning his or her abc's as well as the beautiful pictures.
================================================The Alphabet Book of Animals - Easy Ways to Learn the ABCs by Chris Q Sheridan and Booka Booka Publishing (Feb 26, 2013) - Kindle eBook
Link Easy Way to Learn the ABCs BooksIntroducing your child to the alphabet - from ABC to XYZ - in a fabulous way. Explore the alphabet with your child in this exciting animal alphabet book. This animal picture book will capture your childs curiosity about the animal kingdom and the world around him, while he gets his abc learning on. Filled with vibrant, captivating photos of animals from A to Z, it includes the common animals that your child can recognize in her everyday life, as well as the more exotic to engage her in wonder and develop her curiosity. They can all say cat or dog but wont you be proud as she showcases her knowledge when shes the first kid in her preschool to say ibex or koala.Join them on their quest to learn the alphabet as they discover all kinds of wild and domestic life starting with different letters. While learning their ABCs, they will also be exploring the natural world and developing an appreciation for the wide assortment of creatures that roam the earth.Educational and enticing on all fronts, you can also use this as one of the more vibrant abc books in your collection. Use it as a guide to introduce your child to shapes, textures, patterns and colors. From the vibrantly bright green tree frog to the spots/squares on the sleek head and neck of the jaguar to the fuzzy yet regal face of the lion to the striking and mind-twisting, eye-crossing stripes of the zebratake your child on a fascinating trip around the animal kingdom.The book not only lets you share precious bonding time with your child as you explore the animals together, but can be used by parents, grandparents, day care providers, teachers and therapists to lay an early foundation for good observational skills.
================================================================The Amazing Animal Superbook by Tarrant Brothers (Mar 2, 2013) - Kindle eBook
LinkDid you know that there is a snake that can see with its tail? Are you aware that there exists a large mammal that can jump distances of up to fifty feet? How about the virus that turns caterpillars into zombies? The Amazing Animal Superbook has all of this and much, much more. Filled to the brim with over 1,000 incredible and compelling animal facts as well as 350 beautiful full-color photographs and multiple bonus features, no book covers the wide range of the animal kingdom in a more entertaining and informative way.Whether youre interested in lions, bears, birds, sharks, spiders, elephants, snakes, octopuses, bugs, dogs, or earthworms, it doesnt matter. The Amazing Animal Superbook has something for you.This volume was written with young people in mind, but in such a comprehensive way that even experts will find themselves learning new and exciting things. If you're an adult who loves animals, you will adore it. If you buy it for a young person interested in science, it will likely be remembered as one of their favorite books from adolescence. Makes for an awesome coffee table book and conversation starter. The ultimate bathroom reader. Something for everyone!
====================================================Easy Minecraft House Designs: House Design Ideas, Blueprints, Instructions, and More! (Easy Minecraft Guides) by John Alexander (Mar 23, 2013) - Kindle eBook
Link Minecraft is a game of immense possibility, easy to start but hard to master. These Minecraft house designs are intended to TEACH the fundamentals of building different types of structures. You will learn how to:
- Build fences, doors, stairs, skylights, courtyards, ladders, trapdoors, and more!
- Build basic shelters like igloos, caves, and treehouses
- Build simple one room houses, cabins, and ranches
- Build L-shaped houses and houses with porches
- Build multi-story homes
- Build townhouses and motels
- Build towers and lighthouses
- Build fortresses and castles
- Build house-boats
- Build bunkers
- And more!This guide teaches you the basic builds, but leaves the exact customization up to you! Once you know how to build off of these designs, there is nothing you cannot build within Minecraft.
==========================================Growing Up Wired by David Wallace Fleming (Mar 28, 2013) - Kindle eBook
LinkHow will relationships change in the age of the internet?Victor likes to admire his girlfriends' online pictures. These girls can't seem to stop posting self shots to Facebook and all the social sites. Soon all the young men in his fraternity are competing for the attention of these online, amateur pinups.
The classic problems of maturity are complicated for Victor by a set of new challenges. He struggles with smartphones, text-game, recreational pharmaceuticals, sexual guilt, porn addiction, reversed gender roles and a motley crew of well-meaning yet misguided mentors. The technological quandaries get even more confusing in the maelstrom of booze, drugs and social competition. He gets in fights, pops pills and embarks on a quest to learn why young women post so many pics and why guys can't stop themselves from looking? He might just find a young, willful woman to fall in love with - on both sides of the camera. Throughout these discoveries, he wonders: What kind of love is this? ... the wired kind.
======================================================
My Lucky Groom (Summer Grooms Series) by Ginny Baird (Apr 4, 2013) - Kindle eBook
LinkIf you liked the HOLIDAY BRIDES, get ready for the SUMMER GROOMS...
MY LUCKY GROOM (A Romantic Comedy Novella)
Book 2 in Ginny's Summer Grooms Series.A story about following your heart and finding your destiny.A superstitious fortune cookie collector finds love and adventure in Washington, DC.MY LUCKY GROOMFollow your fate... It might just lead to the romance of a lifetime!Superstitious fortune cookie collector Ventura Hart has embarked on a new adventure in Washington, DC. Armed with a masters degree in writing, she has ambitions of working for a major news publication. But the job market is tight, and after a while Ventura realizes she can't be that picky. When she meets a handsome young bachelor in need of a nanny, she thinks she's found a temporary solution. Little does Ventura know, she's headed down a new path that will lead to more than she's ever hoped for.Single dad Richard Blake is at his wits' end trying to secure help for his mischievous five-year-old twins. Known as DC's most eligible bachelor, the entrepreneurial magazine editor never imagines he'll fall for the one woman he's sure he can't have. She looks after his kids and has a boyfriend to boot. So his attraction to her is beside the point. But when Ventura becomes enmeshed in his family and Richard finds himself losing his heart, is there a way to secure a happy ending? It could all depend on a little bit of luck, and a whole lot of destiny.A sweet, traditional PG-rated romantic comedy.
Standard novella-length, approximately 30,000 words.
=================================================No Mud, No Lotus by Maya Yonika and Ben Jayston (Mar 13, 2013) - Kindle eBook
LinkNo Mud, No Lotus is a humorous but gritty journey out of substance addiction and sexual trauma and into Sacred Sex and Neo-Tantra! Its the raw, honest, and intimate biography of a Maya who stars in a controversial documentary film about Tantra: Code name "Tantric Seduction, the Dance of Maya."
This isnt the usual life story of a Sacred Sexual, Tantric practitioner, filled with New Age lingo and promises of ecstatic sexual Bliss. Rather, its the genuine, real account of a regular girl who seeks emotional and psychological healing from a past of sexual trauma, abuse, and addictions. No Mud, No Lotus chronicles Mayas determined journey to find depth and meaning within love, sex and relationships.
It also tells the story of Father Ron who believes its Mayas destiny to stand at his side as a Sacred sexual healer, and invites Maya to travel the world with him as his mate and to teach Tantra. Together, they go to places where the lines between black and white, shadow and light, the sacred and the profane become maddeningly unclear and contradictory. But Mayas past already endowed her with strength and a critical eyeassets she didnt know she had-- which serve as her beacon of truth as she negotiates the darkened maze that is Neo-Tantra as practiced in sexually over-charged New Age circles.
===============================================
LinkEdited for a faster read! Over 100 pages eliminated from the original, for those who would rather "get to the point". Book One of a Condensed Trilogy.The Original "Murder Behind the Closet Door" is filled with side-stories, literary descriptions and character depth that not all readers find as interesting and thrilling as other. This condensed trilogy is for you! The Story:
"A 5-Star rated murder mystery - ghost story full of adventure, the occult, and dark souls, Murder Behind The Closet Door is an excellent novel for anyone who appreciates Noir fiction, Mickey Spillane-style mysteries and a Stephen King-style thriller wrapped up in one truly original, well told story."(Note: This book contains sex, strong language, violence, and very scary situations. Not for the timid. If it were a movie, the rating would be NC-17. It is a book written for people who love to fall deeper and deeper into a layered mystery. Reading this book is an adventure.)A dilapidated house with an evil secret in the basement. An auto-wrecking yard with the devious, rusted remains of a murderer's getaway car. An unsolved bank robbery with hundreds of thousands of dollars never found. A detective trying to solve an age old murder before his ticker runs out. A slow, agonizing death for an unfortunate victim and his soul reaching from beyond... "Murder Behind The Closet Door" is a murder murder mystery ghost story that keeps you engaged and guessing from the first paragraph. Creepy, riveting, this mystery-ghost story reveals another existence, one just beyond our own, where the occult and the paranormal meet reality and everyday people find themselves swept into very extraordinary circumstances. The story is set in Ocean City and Wildwood, NJ during the late 1970s (with flashbacks to the '30s & '50s), and centers around a young woman who begins her career marketing an amusement pier on the world-famous Wildwood Boardwalk on the Jersey Shore. Just as Heather's adult life really begins to blossom, her torment begins. Not long after moving into a 70 year-old rooming house, Heather's mundane life takes an uncontrolled turn toward insanity. Although she refuses to acknowledge her ghost, a mysterious entity begins to taunt her, an entity impetuously determined to contact her through her bedroom closet. At first these mild encounters are merely disturbing.... Aspirations of a life of quaint mediocrity vanish as she and her friends try to discover the Motives of her tormentor, finding that the truths in which she believed her entire life had been nothing but an elaborate veneer. As Heather falls deeper into the mystery, she finds the physical world around her is much stranger - and more terrifying - than she could ever have imagined.What's missing from the original?
Several "side" stories, including life in Wildwood, NJ in the late 1970s, interesting tales of the characters, and individual charachters' thoughts and revelations. The author, and most readers who enjoy longer books, find these add a considerable amount of "likability" to the book. However, at Stardust Publishing realize that many people in today's fast-paced world would rather cut to the chase. This series does just that, concentrating on the action, without some of the humorous or interesting details.
================================================You Can Have a Healthier Lifestyle with Mediterranean Diet Secrets by Marc Holden (Mar 20, 2013) - Kindle eBook
LinkAre you tired of chasing fad diets that promise immediate success but produce nothing when you attempt them?
Tired of tasteless meals? Want to eat healthy, but don't feel like purchasing expensive and bland health food?
Then the Mediterranean Diet is absolutely PERFECT FOR YOU.
With it you will be able to enjoy all sorts of delicious and tasty food, while managing to not only lose weight, but live an altogether healthier lifestyle.
Based around the foods available in countries like Spain, Italy, Greece, and Morocco, some of the foods you'll be able to enjoy with this diet are:
Chicken
Seafood
Nuts
Beans
Nearly Every Vegetable
Sweet Fruits
A glass or Two of Red Wine
A Piece of Dark Chocolate
And MUCH MORE!
======================================17 Muffins in 7 Steps by Aya Saffouri and Jim Yaghi (Apr 4, 2013) - Kindle eBook
Link17 fun, delicious and easy muffin recipes, with 5 quick frostings and 7 useful tips to introduce your teen or tween to the world of BAKING! This will make a great birthday gift for your girl. Muffins are tasty, Muffins are sweet, They're my favorite food to eat. Blueberry, banana nut, hazelnut berry and Oreo. These yummy muffins are quick and easy to make, and a truly healthy treat.
================================================77 Dinner Recipes From Around The Globe by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"77 Dinner Recipes From Around The Globe" containing 77 dinner recipes from around the world: Striped bass en court-boullion, Potatoes hollandaise, Stuffed tomatoes, Stuffing for tomatoes, Sweetbreads braises, Sauce bearnaise, Punch francaise, Roast redhead ducks, Fried hominy for game, Hot rum sauce, Vanilla ice cream, Macaroons, Canapes of caviare, Halibut steaks, Anchovy butter, Potatoes persillade, Leg of lamb, Jardiniere, Roast turkey, Cranberry sauce, Celery salad, Mayonnaise sauce, Cabinet pudding, Prentanier for soup, Sauce normande, Bread croutons, Chicken valencienne, Spring-lamb chops, Soubise sauce, Punch cardinal, and many more...,
=================================================48 Breads And Muffins Recipes: Simple, Authentic and Traditional by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"48 Breads And Muffins Recipes: Simple, Authentic and Traditional" containing 48 simple, authentic and traditional Breads and Muffins recipes: Milk bread, Graham bread, Sweet loaf, Shredded wheat bread, Corn bread, Oatmeal bread. Brown bread, Titusville brown bread, Nut bread, Raised muffins, New england blueberry muffins, Date muffins, Western muffins, Lunch rolls, Coffee cake, Coffee muffins, Apple gems, Beaten biscuits, Southern recipe, Bannocks, Batter bread, Rice muffins, Lunch muffins, Saratoga corn cakes and many more...
=================================================Cake Recipes for Dummies by Descubriendo Apps (Apr 6, 2013) - Kindle eBook
http://www.amazon.com/Cake-Recipes-for-Dummies-ebook/dp/B00C8WN2NU/ref=sr_1_34?s=digital-text&ie=UTF8&qid=1365500188&sr=1-34Surprise your family and friends with our delicious desserts.Learn step by step how to create more than 20 different recipes in an easy and fast way.Table ContentFunfetti Dump Cake
Candy Cane Dump Cake
Triple Chocolate Pudding Dump Cake
Angel Food Dump Cake
Chocolate Coconut Dump Cake
Tropical Coconut Dump Cake
Pineapple Orange Dump Cake
Apple Caramel Dump Cake
Chocolate Pumpkin Dump Cake
Strawberry Pineapple Dump Cake
Peach Blueberry Dump Cake
Fruit Cocktail Dump Cake
Lemon Dump CakeAND MORE......
==========================================Georgiana Darcy's Diary: Jane Austen's Pride and Prejudice continued (Pride and Prejudice Chronicles) by Anna Elliott and Laura Masselos (Apr 20, 2011) - Kindle eBook
LinkMr. Darcy's younger sister searches for her own happily-ever-after... The year is 1814, and it's springtime at Pemberley. Elizabeth and Mr. Darcy have married. But now a new romance is in the air, along with high fashion, elegant manners, scandal, deception, and the wonderful hope of a true and lasting love. Shy Georgiana Darcy has been content to remain unmarried, living with her brother and his new bride. But Elizabeth and Darcy's fairy-tale love reminds Georgiana daily that she has found no true love of her own. And perhaps never will, for she is convinced the one man she secretly cares for will never love her in return. Georgiana's domineering aunt, Lady Catherine de Bourgh, has determined that Georgiana shall marry, and has a list of eligible bachelors in mind. But which of the suitors are sincere, and which are merely interested in Georgiana's fortune? Georgiana must learn to trust her heart--and rely on her courage, for she also faces the return of the man who could ruin her reputation and spoil a happy ending, just when it finally lies within her grasp.
===========================================================I am the Great Horse by Katherine Roberts (Jan 9, 2013) - Kindle eBook
LinkClimb on my back, if you dare, and let ME carry you into the battles that changed the world!So speaks Alexander the Great's bold black stallion Bucephalas, one of the most famous horses of the ancient world, as he recounts their epic journey from Macedonia, across Persia and over the Himalayas into India, straight from the horse's mouth.In the tradition of Michael Morpurgos "War Horse" and Anna Sewell's "Black Beauty", this mixture of fiction and history will appeal to readers looking for a lively account of the legends surrounding Alexander of Macedon and the men and women who followed him to the ends of the earth.Originally published in hardcover by Scholastic US and in paperback by Chicken House UK, the ebook includes an illustrated map of Bucephalas hoofprints by artist Brian Sanders.
=======================================================A Trio of Irish Tales (Trio Tales) by Judith Cullen and Micki McIntyre (Mar 5, 2013) - Kindle eBook
LinkMeet Ireland's legendary "Man of the Mists", experience the life of one woman through a sacred oak tree, or delight in the old-world vs new-world clash between an annoyed pooka and a digitally savvy teenager. In this first volume of the "Trio Tales" series, author Judith Cullen celebrates her heritage inspired by family and friends, and she even invites the fairies out to dance.
==========================================================God Painted Us a Rainbow by Katrina Streza and Lisa Graves (Mar 26, 2013) - Kindle eBook (Childrens)
Link Celebrate the beauty of God's creation!
In this rhyming picture book, children learn to thank God for all types of days. Rainy, sunny, foggy or clear, there is so much beauty to be shared. Charming illustrations bring this fun and important concept to life for toddlers, preschoolers and kindergarteners. A perfect addition to a Christian education unit on weather, seasons, or the changing times of day.===================================================================Abc's of Baseball - A Children's Picture Alphabet Rhyming Book about the great game of Baseball (Baby-3) by ANTOINE CAMERON and Michael Golez (Mar 12, 2013) - Kindle eBook
LinkThis baseball rhyming book is great for any toddler learning their abc's and they will get to learn about baseball as well. The book is a rhyming book with 26 beautifully illustrated pictures by Michael Golez. The author Antoine Cameron also has close ties to the game of baseball since he played pro for the Chicago Cubs. You child will enjoy learning his or her abc's as well as the beautiful pictures.
================================================The Alphabet Book of Animals - Easy Ways to Learn the ABCs by Chris Q Sheridan and Booka Booka Publishing (Feb 26, 2013) - Kindle eBook
Link Easy Way to Learn the ABCs BooksIntroducing your child to the alphabet - from ABC to XYZ - in a fabulous way. Explore the alphabet with your child in this exciting animal alphabet book. This animal picture book will capture your childs curiosity about the animal kingdom and the world around him, while he gets his abc learning on. Filled with vibrant, captivating photos of animals from A to Z, it includes the common animals that your child can recognize in her everyday life, as well as the more exotic to engage her in wonder and develop her curiosity. They can all say cat or dog but wont you be proud as she showcases her knowledge when shes the first kid in her preschool to say ibex or koala.Join them on their quest to learn the alphabet as they discover all kinds of wild and domestic life starting with different letters. While learning their ABCs, they will also be exploring the natural world and developing an appreciation for the wide assortment of creatures that roam the earth.Educational and enticing on all fronts, you can also use this as one of the more vibrant abc books in your collection. Use it as a guide to introduce your child to shapes, textures, patterns and colors. From the vibrantly bright green tree frog to the spots/squares on the sleek head and neck of the jaguar to the fuzzy yet regal face of the lion to the striking and mind-twisting, eye-crossing stripes of the zebratake your child on a fascinating trip around the animal kingdom.The book not only lets you share precious bonding time with your child as you explore the animals together, but can be used by parents, grandparents, day care providers, teachers and therapists to lay an early foundation for good observational skills.
================================================================The Amazing Animal Superbook by Tarrant Brothers (Mar 2, 2013) - Kindle eBook
LinkDid you know that there is a snake that can see with its tail? Are you aware that there exists a large mammal that can jump distances of up to fifty feet? How about the virus that turns caterpillars into zombies? The Amazing Animal Superbook has all of this and much, much more. Filled to the brim with over 1,000 incredible and compelling animal facts as well as 350 beautiful full-color photographs and multiple bonus features, no book covers the wide range of the animal kingdom in a more entertaining and informative way.Whether youre interested in lions, bears, birds, sharks, spiders, elephants, snakes, octopuses, bugs, dogs, or earthworms, it doesnt matter. The Amazing Animal Superbook has something for you.This volume was written with young people in mind, but in such a comprehensive way that even experts will find themselves learning new and exciting things. If you're an adult who loves animals, you will adore it. If you buy it for a young person interested in science, it will likely be remembered as one of their favorite books from adolescence. Makes for an awesome coffee table book and conversation starter. The ultimate bathroom reader. Something for everyone!
====================================================Easy Minecraft House Designs: House Design Ideas, Blueprints, Instructions, and More! (Easy Minecraft Guides) by John Alexander (Mar 23, 2013) - Kindle eBook
Link Minecraft is a game of immense possibility, easy to start but hard to master. These Minecraft house designs are intended to TEACH the fundamentals of building different types of structures. You will learn how to:
- Build fences, doors, stairs, skylights, courtyards, ladders, trapdoors, and more!
- Build basic shelters like igloos, caves, and treehouses
- Build simple one room houses, cabins, and ranches
- Build L-shaped houses and houses with porches
- Build multi-story homes
- Build townhouses and motels
- Build towers and lighthouses
- Build fortresses and castles
- Build house-boats
- Build bunkers
- And more!This guide teaches you the basic builds, but leaves the exact customization up to you! Once you know how to build off of these designs, there is nothing you cannot build within Minecraft.
==========================================Growing Up Wired by David Wallace Fleming (Mar 28, 2013) - Kindle eBook
LinkHow will relationships change in the age of the internet?Victor likes to admire his girlfriends' online pictures. These girls can't seem to stop posting self shots to Facebook and all the social sites. Soon all the young men in his fraternity are competing for the attention of these online, amateur pinups.
The classic problems of maturity are complicated for Victor by a set of new challenges. He struggles with smartphones, text-game, recreational pharmaceuticals, sexual guilt, porn addiction, reversed gender roles and a motley crew of well-meaning yet misguided mentors. The technological quandaries get even more confusing in the maelstrom of booze, drugs and social competition. He gets in fights, pops pills and embarks on a quest to learn why young women post so many pics and why guys can't stop themselves from looking? He might just find a young, willful woman to fall in love with - on both sides of the camera. Throughout these discoveries, he wonders: What kind of love is this? ... the wired kind.
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My Lucky Groom (Summer Grooms Series) by Ginny Baird (Apr 4, 2013) - Kindle eBook
LinkIf you liked the HOLIDAY BRIDES, get ready for the SUMMER GROOMS...
MY LUCKY GROOM (A Romantic Comedy Novella)
Book 2 in Ginny's Summer Grooms Series.A story about following your heart and finding your destiny.A superstitious fortune cookie collector finds love and adventure in Washington, DC.MY LUCKY GROOMFollow your fate... It might just lead to the romance of a lifetime!Superstitious fortune cookie collector Ventura Hart has embarked on a new adventure in Washington, DC. Armed with a masters degree in writing, she has ambitions of working for a major news publication. But the job market is tight, and after a while Ventura realizes she can't be that picky. When she meets a handsome young bachelor in need of a nanny, she thinks she's found a temporary solution. Little does Ventura know, she's headed down a new path that will lead to more than she's ever hoped for.Single dad Richard Blake is at his wits' end trying to secure help for his mischievous five-year-old twins. Known as DC's most eligible bachelor, the entrepreneurial magazine editor never imagines he'll fall for the one woman he's sure he can't have. She looks after his kids and has a boyfriend to boot. So his attraction to her is beside the point. But when Ventura becomes enmeshed in his family and Richard finds himself losing his heart, is there a way to secure a happy ending? It could all depend on a little bit of luck, and a whole lot of destiny.A sweet, traditional PG-rated romantic comedy.
Standard novella-length, approximately 30,000 words.
=================================================No Mud, No Lotus by Maya Yonika and Ben Jayston (Mar 13, 2013) - Kindle eBook
LinkNo Mud, No Lotus is a humorous but gritty journey out of substance addiction and sexual trauma and into Sacred Sex and Neo-Tantra! Its the raw, honest, and intimate biography of a Maya who stars in a controversial documentary film about Tantra: Code name "Tantric Seduction, the Dance of Maya."
This isnt the usual life story of a Sacred Sexual, Tantric practitioner, filled with New Age lingo and promises of ecstatic sexual Bliss. Rather, its the genuine, real account of a regular girl who seeks emotional and psychological healing from a past of sexual trauma, abuse, and addictions. No Mud, No Lotus chronicles Mayas determined journey to find depth and meaning within love, sex and relationships.
It also tells the story of Father Ron who believes its Mayas destiny to stand at his side as a Sacred sexual healer, and invites Maya to travel the world with him as his mate and to teach Tantra. Together, they go to places where the lines between black and white, shadow and light, the sacred and the profane become maddeningly unclear and contradictory. But Mayas past already endowed her with strength and a critical eyeassets she didnt know she had-- which serve as her beacon of truth as she negotiates the darkened maze that is Neo-Tantra as practiced in sexually over-charged New Age circles.
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Wife is most likely unable to conceive naturally, we are to the point where we're going to go down the IVF route. IVF is not cheap, and our insurance covers nothing, we're planning on hopefully only $12,000-$15,000, if it doesn't go our way the first time, we could be looking at double that. I am hoping to get some response in this thread from people how have had similar significant medical expenses.Background info: This year we'll have an AGI of around $200K-220K, so it's not going to be easy itemizing even any of the significant amount of medical expenses we have. We have already gone through most of the $1000 in our HCRA this year, we didn't max out because we didn't know the extent of our infertility woes until Jan/Feb, long after my open enrollment period. Is there any ways tips/tricks to help either get our med/dental expenses as high as possible this year.Financing: While we haven't talked to the IVF place yet about financing, I do not see any options listed on their website. They do however take Credit, I am going to look into opening up a new card with a long 0% promo purchase APR or seeing if an existing card I have has any decent BT options(unlikely to have any fee free options). I was hoping to find a card with at least a year 0% APR and maybe signup bonus. Cash flow wise, we're going to have plenty of income this year to cover our expenses(thank you Overtime) so it's really a matter of lessening the hit, maintaining our reserves and maximizing any rewards we can get.
Conversations with a Student of Life: Essays on Marriage and Divorce [Kindle Edition]
Beth Marie Larson (Author), Jessica Leannah (Illustrator)
LinkyBook Description
Publication Date: April 5, 2013
This is a collection of my essays on marriage, divorce, and family structure. Since marriage is the typical foundation for family, it only makes sense to examine the particulars of marriage, how to create a successful partnership, and finally a stable family environment. The impact of family environments is one of debate in regards to child development, but whichever side of the debate you fall on, most people can agree on one thing, that a stable home environment empowers children to have successful adult lives.This is an article, please do not expect a full length book.
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77 Dinner Recipes From Around The Globe [Kindle Edition]
Claude DeLucca (Author)
LinkyBook Description
Publication Date: April 5, 2013
"77 Dinner Recipes From Around The Globe" containing 77 dinner recipes from around the world: Striped bass en court-boullion, Potatoes hollandaise, Stuffed tomatoes, Stuffing for tomatoes, Sweetbreads braises, Sauce bearnaise, Punch francaise, Roast redhead ducks, Fried hominy for game, Hot rum sauce, Vanilla ice cream, Macaroons, Canapes of caviare, Halibut steaks, Anchovy butter, Potatoes persillade, Leg of lamb, Jardiniere, Roast turkey, Cranberry sauce, Celery salad, Mayonnaise sauce, Cabinet pudding, Prentanier for soup, Sauce normande, Bread croutons, Chicken valencienne, Spring-lamb chops, Soubise sauce, Punch cardinal, and many more...,
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Cowboy with a Cause (Harlequin Romantic Suspense) [Kindle Edition]
Carla Cassidy (Author)
LinkyBook Description
Publication Date: April 1, 2013"I'D APOLOGIZE FOR KISSING YOU, BUT I'M NOT ALL THAT SORRY."Dancer Melanie Brooks had escaped small-town Oklahoma, giving up the country for Broadway's bright lights. Yet after her mother's funeral called her back, her own health issues forced her to stay. Now her tenant, too-hot-for-his-own-good Adam Benson, is giving her a reason to dance again. But has a killer set his sights on her, too?Adam knows a little something about fresh starts. As for his beautiful neighbor, he doesn't see a wheelchairhe sees a woman who understands. But as the heat grows between them, he can't avoid the feeling that more than her big-city past haunts herand that danger has been lurking, waiting to strike.If heart-racing romance and high-stakes suspense is what you're after, look for four new titles every month from Harlequin Romantic Suspense!
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O. Henry's Apprentice: Twisted Stories for A New Generation [Kindle Edition]
Timothy D. McLendon (Author)
LinkyBook Description
Publication Date: March 16, 2013
A New Generation of Short Stories Has ArrivedO. Henry's Legacy ContinuesThe master of short stories has been silent for more than 100 years. His Apprentice has been watching, waiting for a new generation of readers. The time has come to break the silence.Life Is Full of Twisted StoriesTimes have changed. The world is a little bit darker. A little bit colder. A little bit more twisted. The world has evolved, but there are still many good people in it. Good people who do bad things. Horrible things. The Apprentice has remained true to his craft, characterizing the world as it is today. No stone is left unhurled.Five Short Stories Sure To Leave You Breathless
Get ready to experience action - packed mystery at its finest. The characters in these five short stories aren't prepared for what happens next. You won't be either. Just remember, bad things happen to good people. Strap yourself in for an adventure that never lets go.O. Henry's Apprentice invites you to a new vision of the short story. Be careful. Sticks and stones may break your bones, but words will always hurt you.
Advanced praise for the stories of O. Henry's ApprenticeYour use of the story telling device and the way it becomes resolved at the end is a tour-de-force. - David BThis is the first story I have read that I literally could not stop reading. I had to finish it. - Trevor WYour story hooked me quickly and kept me guessing. - Igal L...an excellent pace which does not let up. - Julio PMy jaw dropped to the floor of my library's computer room. Holy ****! - Leroy M
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Quirk Books D.I.Y. Gift Guide [Kindle Edition]
Homemade Quirk (Author)
LinkyBook Description
Publication Date: November 27, 2012
This FREE ebook offers 18 DIY gifts for the bookworm, foodie, animal lover, significant other, kid or geek in your life.
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It Doesn't Stay in Vegas - The Saga of The Unorthodox Gentleman [Kindle Edition]
Joe Osborne (Author)
LinkyBook Description
Publication Date: November 20, 2012
Perverted, racially insensitive, and totally bizarre... But at least he has a good heart.It Doesn't Stay in Vegas is the story of four friends who travel to Vegas on a quest for provocative sexual encounters, while consuming irresponsible amounts of alcohol and narcotics. Experience the journey through the delusional mind of The Unorthodox Gentleman, whose unique observations and assumptions drive the drug and booze fueled story of a once in a lifetime trip.Unfortunately, its not all fun and games as the contrasting group of friends is continually faced with unusual predicaments, usually brought on by their own destructive and unsophisticated behavior.It Doesn't Stay in Vegas captures the essence of Las Vegas distinct culture and is a must read for anyone with an interest in Sin City.Follow The Unorthodox Gentleman on Twitter @utxgent.
___________________________________________________________________ Travel With Me; St.Malo and The Mont St. Michel [Kindle Edition]
Christine Pointeau (Author)
LinkyBook Description
Publication Date: July 11, 2012
As part of the Art House Co-Op Sketchbook Project 2012 World Tour, the author took inspiration from a family trip to France for her art work.Sketches done using trip photographs fill her book with endearing illustrations in various mediums, each accompanied with a personal anecdote.Available in paperback format.
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A Good Kind of Knowing [Kindle Edition]
Kathy Lynn Harris (Author)
LinkyBook Description
Publication Date: October 21, 2012
Imagine if Maeve Binchy grew up in Texas and wrote an old-school Larry McMurtry novel. Think Hope Floats meets High Fidelity.Thats how critics are describing A Good Kind of Knowingfrom the author of the highly acclaimed and number-one Amazon bestseller, Blue Straggler.A Good Kind of Knowing is a novel about the power of music and friendship, the relationship two-steps that go on in old Texas dancehalls, and the secret to finding just a little bit of common ground in a world full of distrust.What readers are saying:
Engaging, emotionally accurate, visual and funny.You pulled me right in.I feel like Im right thereI can feel the Texas heat and see the small town and the people who populate it.The characters are diverse and interesting, and each has a unique personality that adds to the entire canvas of the story.I know these people. Whats more, I like them, even despite their faults.My head is full of your story. It took me only two and a half days to read the book cover to cover, which means I was doing it every spare minute.The pace is comfortable, the characters rich and colorful. The events are anything but predictable; I was always wondering whats going to happen next.Sera Taylor's store is the one place in Lakeville, Texas, where individuals from all walks of life share a universal love for music and a respect for the gypsy-like woman behind the antique glass counter. Readers get a taste of the unorthodox connection between Sera and Mack, a young local cowboy and musician, and Seras previously untested devotion to her husband Bill. They learn of her relationship with Ruby D., the vibrant but misguided mother of five; with Louie, the shy high school band director; with Beverly, the religious, upper-class socialite; with Antonio, a local bar owner striving to make a life for himself; with Tommy Lee, a rich and directionless gigolo; and with Wes, the only out-of-the closet gay man for miles. As Sera battles a serious illness, the characters must overcome long-held stereotypes to save Seras store, and in the end, large parts of themselves.
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Film Critic: A Decade Behind the Scenes in the Movie Industry [Kindle Edition]
Laremy Legel (Author)
LinkyBook Description
Publication Date: February 5, 2013
BOOK DESCRIPTION
"Film Critic: A Decade Behind the Scenes in the Movies Industry" is an insider look at the world of criticism, celebrity interviews, and movies. Ever wanted to know how a professional critic goes about his or her job? "Film Critic" alternates between hilarious and serious, all with the goal of entertaining the reader. So yeah, it's pretty much the opposite of "Indiana Jones and the Kingdom of the Crystal Skull". Enjoy!REVIEWS
Laremy crushes it as he goes behind the scenes of film criticism and gives some of his best and worst experiences working as a film critic, the pros and cons of going into work full time as a critic, and breaks down exactly why criticism of films is warranted at all. It's funny and smart and fairly quick read. Highly recommended. - The Cradleman (Amazon Verified Purchase)AUTHOR BIO
Pop culture maven Laremy, a Seattleite with a heart of gold, has traveled to Hollywood and back to bring you some laughs, entertainment, and perhaps a thinker or two. His favorite series in the world is Douglas Adams's "Hitchhiker's Guide to the Galaxy" and he can be found walking his golden puggle Bugsy each and every night.Laremy was recently interviewed by Indiewire.com:
http://blogs.indiewire.com/criticwire/an-interview-with-film-cri...Chapters include:
Matt McConaughey
Spike Lee
Joss Whedon
Kristen Stewart
Darren Aronofsky
Joan Cusack
Adam Carolla
Podcasting
Radio and Television Appearances
Screenings
Screeners
The Highs and Lows of Sundance
Expertise vs. Enthusiasm
Great Expectations
What Makes a Masterpiece?
Why The MPAA is Terrible
The Reader vs. The Dark Knight
Tucker Max
Bribes
The Critic / General Public Divide
Commenters
Disagreeing with RottenTomatoes
The Notebook
Babel
V for Vendetta
The Dark Knight
Inglourious Basterds
G.I. Joe: The Rise of Cobra
The Review That Ended up Costing Me a Job
Novels and Screenplays
Writing Gossip
Should You Write for Free?
FAQs
In Defense of Film Criticism
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A Little Bit of Everything For Dummies [Kindle Edition]
John Wiley and Sons (Author, Other Contributor)
LinkyBook Description
Publication Date: November 16, 2011
Twenty years ago the very first For Dummies book, DOS For Dummies, was published. From that first printing of that first book came a series unlike anything in the publishing world, one that is global in both geography - we have been published worldwide in some 30 languages - and in coverage. No single volume can hope to summarize what thousands of titles have meant to millions of readers over the years, and we don't claim to do that in this e-book. Rather, this e-book celebrates the breadth and depth of the For Dummies series, offering 20 chapters - in honor of our 20 years - from a list of books compiled by our global colleagues. We are confident the chapters we've included give you a representative glimpse at why - no matter what the topic - our products have meant so much to so many by Making Everything Easier. We've grouped our chapters into five main parts:Part I: Dummies Classics, offers four chapters from some of our best-loved books. There's a chapter from DOS For Dummies, the book that started it all, and chapters from two of our best-sellers: Windows 7 For Dummies and Sex For Dummies. And just for a bit of spice, we've included a chapter from French For Dummies.Part II: Daily Dose of Dummies, offers the kind of lifestyle, self-help, and business skills that our readers have come to treasure. There's one of our famous Part of Tens chapters from Cognititive Behavioural Therapy for Dummies and a chapter from Meditation For Dummies to help you get your center. Chapters from Leadership For Dummies and Marketing For Dummies help you develop new skills for the marketplace.Part III, Fun with Dummies, celebrates life and all it has to offer. We've got chapters here from The Royal Wedding For Dummies, Guitar For Dummies, Digital Photography SLR All-in-One For Dummies, Puppies for Dummies, Knitting For Dummies, and Wine For Dummies.Part IV, Get Social, highlights how we help you grow and develop new skills. Chapters here come from Facebook For Dummies, Social Media Marketing For Dummies, and Dating For Dummies.Part V, Going Global, shares the worldwide appeal of the For Dummies series. These chapters from British History For Dummies, Canadian History For Dummies, and Rugby Union For Dummies were created by our global colleagues and authors and show how the For Dummies approach applies not only to whatever the subject is at hand, but also wherever the discussion is taking place.
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Kidowed [Kindle Edition]
Jessica Kenley (Author)
LinkyBook Description
Publication Date: July 3, 2012
In this book you'll find the the struggles, sorrows, and triumphs of the author after she has two children with a rare and universally fatal genetic disease. As she travels through her hellish journey, you will experience unexpected humor, endless love, and learn how strong one family can be while they walk beside her.
_______________________________________________________________________________________Lost Wife, Saw Barracuda - True Stories from a Sharm El Sheikh Scuba Diving Instructor [Kindle Edition]
LinkyBook Description
Publication Date: December 1, 2010
The Funniest Diving Book in YearsLeading Magazine ReviewsIts as authentic as it is hysterical. Its a chuckling page-turner. Dive Gear Reviews USAA beautifully written and rare diving book. Diver Magazine UKVery funny, honest and entertaining. The Egyptian Chamber of Diving and Water SportsEver wanted to jack it all in and start a new life in Egypt? The scuba diving resort of Sharm el Sheikh has been one of the worlds best kept secrets. It only hits the news in times of mishap but behind the scenes of this hugely popular and vibrant city are hundreds of ex-pats living the dream of a life in the sun.John Keans hilarious book, Lost Wife, Saw Barracuda True Stories from a Sharm el Sheikh Scuba Diving Instructor is an inside fly-on-the-wall look at the ups and downs of swapping the rat race for a life in Sharm el Sheikh. It is frank, honest and gripping in sometimes epic proportions, but the humor and magnetic appeal of Sharm el Sheikh and Egypt shines through every time in this beautifully written true story.Over a decade, this mild-mannered, ex-stockbroker has been chased by aggressive sharks, had a 737 airliner drop from the sky into the sea, broken four bones, been arrested three times and finally, blown up by terrorists. On the plus side, Sharm el Sheikhs outstanding natural appeal, year round sun and amazingly talented and friendly community of Egyptian and ex-pat residents has made it a home from home, free of the stresses of everyday life in Europe.Unlike other fly on the wall or inside books, John actually takes you along with him for the ride. His accounts are genuine, highly informative and very funny. Turning tragedy and mishap into humor is the books strength and youll find a laugh on nearly every page.The story is heavily upstaged by the comical antics of five, highly entertaining characters coming to terms with neutral buoyancy, hangovers and Egyptian taxi drivers. The legendary exploits of the latter are awarded an entire chapter where were introduced to, Airbag, Sharm el Sheikhs worst driver and in contrast, Joseph, who takes up the offer of a job swap, gives John his taxi and becomes a scuba diver for the day!The most dramatic chapter of Lost Wife, Saw Barracuda is the vivid, minute-by-minute account of dive staff involvement during the Sharm bombings in July 2005. This rare civilian insight of a grand scale terrorist attack shows the human cost of those caught up and the tremendous resolve of unlikely rescuers in preventing further loss of life.Despite occasional tragedy, Lost Wife, Saw Barracuda is a positive book that will thrill and entertain, portray scuba diving as an engaging and enjoyable sport and show readers the brighter side of Sharm el Sheikh in Egypt. Anyone can read and enjoy this wonderfully funny story.Its a must read if youve ever been even remotely near water!About The AuthorJohn Kean is a professional diver and writer who, following a scuba holiday to Egypt in 1997, gave up the rat race for a new life in Sharm el Sheikh. His other titles include the definitive, SS Thistlegorm The True Story of the Red Seas Greatest Ship Wreck.John has written feature articles for several international dive and travel magazines, been interviewed on national television and is also a regular guest speaker at UK dive shows. He has completed over 5,500 dives and holds a master instructor rating with the leading scuba training agency, however, he counts his most important qualification as having an equal number of ascents and descents.
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How To Turn Fear Into Confidence - A Superhero Success Guide To Conquering Fear! [Kindle Edition]
TW Walker (Author)
LinkyBook Description
Publication Date: November 11, 2012
Fear is one of the most lethal adversaries of anyone, particularly those who are small business owners and aspiring entrepreneurs. In the Superhero Success expanding series of books and ebooks, small business Coach TW Walker provides the core of his business mentoring advice with a breakdown of overcoming fear, how it debilitates growth, and how to contain it forever with "How To Turn Fear Into Confidence".Leadership development starts with self confidence, and once you have self confidence then beating fear is easy. No longer does fear of failure have to hold you back from achieving success in anything you do...The original Superhero Success book has received endorsements from the Napoleon Hill Foundation (of Think And Grow Rich) as well as James Malinchak of ABC's Secret Millionaire, and Scott Alexander of the best selling Rhinocerous Success book series. Now, the Superhero Success brand is expanding to include a more in depth -yet still fun- look into other topics of interest to people who want to succeed in various aspects of life and business.Are you ready to strap on your cape?
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Please! Stop My Baby Brother From Crying (Childress Children's Book Series) [Kindle Edition]
Geryn Childress (Author)
LinkyBook Description
Publication Date: February 20, 2013
"Funny!" " Hilarious!" "Modern day version of Dr.Seuss" are some of the things that have been said about "Please! Stop My Baby Brother From Crying" the 3rd release in the Childress Children's Book Series, with many more to come this book is sure to bring a smile to your face, another classic.
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Maddening and Marvelous Motherhood [Kindle Edition]
Christine Carter (Author)
LinkyBook Description
Publication Date: January 3, 2012
This book is an honest, humorous, and heartwarming take on motherhood. A stay-at-home mother writes about her child-rearing challenges and triumphs, as she shares stories that will make you laugh out loud. Her candid nature is refreshing and her thoughts are well worth reading. In her own unique way, she encourages all mothers to be their best. The book draws from stories located on the authors website at TheMomCafe dot com.
Beth Marie Larson (Author), Jessica Leannah (Illustrator)
LinkyBook Description
Publication Date: April 5, 2013
This is a collection of my essays on marriage, divorce, and family structure. Since marriage is the typical foundation for family, it only makes sense to examine the particulars of marriage, how to create a successful partnership, and finally a stable family environment. The impact of family environments is one of debate in regards to child development, but whichever side of the debate you fall on, most people can agree on one thing, that a stable home environment empowers children to have successful adult lives.This is an article, please do not expect a full length book.
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77 Dinner Recipes From Around The Globe [Kindle Edition]
Claude DeLucca (Author)
LinkyBook Description
Publication Date: April 5, 2013
"77 Dinner Recipes From Around The Globe" containing 77 dinner recipes from around the world: Striped bass en court-boullion, Potatoes hollandaise, Stuffed tomatoes, Stuffing for tomatoes, Sweetbreads braises, Sauce bearnaise, Punch francaise, Roast redhead ducks, Fried hominy for game, Hot rum sauce, Vanilla ice cream, Macaroons, Canapes of caviare, Halibut steaks, Anchovy butter, Potatoes persillade, Leg of lamb, Jardiniere, Roast turkey, Cranberry sauce, Celery salad, Mayonnaise sauce, Cabinet pudding, Prentanier for soup, Sauce normande, Bread croutons, Chicken valencienne, Spring-lamb chops, Soubise sauce, Punch cardinal, and many more...,
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Cowboy with a Cause (Harlequin Romantic Suspense) [Kindle Edition]
Carla Cassidy (Author)
LinkyBook Description
Publication Date: April 1, 2013"I'D APOLOGIZE FOR KISSING YOU, BUT I'M NOT ALL THAT SORRY."Dancer Melanie Brooks had escaped small-town Oklahoma, giving up the country for Broadway's bright lights. Yet after her mother's funeral called her back, her own health issues forced her to stay. Now her tenant, too-hot-for-his-own-good Adam Benson, is giving her a reason to dance again. But has a killer set his sights on her, too?Adam knows a little something about fresh starts. As for his beautiful neighbor, he doesn't see a wheelchairhe sees a woman who understands. But as the heat grows between them, he can't avoid the feeling that more than her big-city past haunts herand that danger has been lurking, waiting to strike.If heart-racing romance and high-stakes suspense is what you're after, look for four new titles every month from Harlequin Romantic Suspense!
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O. Henry's Apprentice: Twisted Stories for A New Generation [Kindle Edition]
Timothy D. McLendon (Author)
LinkyBook Description
Publication Date: March 16, 2013
A New Generation of Short Stories Has ArrivedO. Henry's Legacy ContinuesThe master of short stories has been silent for more than 100 years. His Apprentice has been watching, waiting for a new generation of readers. The time has come to break the silence.Life Is Full of Twisted StoriesTimes have changed. The world is a little bit darker. A little bit colder. A little bit more twisted. The world has evolved, but there are still many good people in it. Good people who do bad things. Horrible things. The Apprentice has remained true to his craft, characterizing the world as it is today. No stone is left unhurled.Five Short Stories Sure To Leave You Breathless
Get ready to experience action - packed mystery at its finest. The characters in these five short stories aren't prepared for what happens next. You won't be either. Just remember, bad things happen to good people. Strap yourself in for an adventure that never lets go.O. Henry's Apprentice invites you to a new vision of the short story. Be careful. Sticks and stones may break your bones, but words will always hurt you.
Advanced praise for the stories of O. Henry's ApprenticeYour use of the story telling device and the way it becomes resolved at the end is a tour-de-force. - David BThis is the first story I have read that I literally could not stop reading. I had to finish it. - Trevor WYour story hooked me quickly and kept me guessing. - Igal L...an excellent pace which does not let up. - Julio PMy jaw dropped to the floor of my library's computer room. Holy ****! - Leroy M
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Quirk Books D.I.Y. Gift Guide [Kindle Edition]
Homemade Quirk (Author)
LinkyBook Description
Publication Date: November 27, 2012
This FREE ebook offers 18 DIY gifts for the bookworm, foodie, animal lover, significant other, kid or geek in your life.
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It Doesn't Stay in Vegas - The Saga of The Unorthodox Gentleman [Kindle Edition]
Joe Osborne (Author)
LinkyBook Description
Publication Date: November 20, 2012
Perverted, racially insensitive, and totally bizarre... But at least he has a good heart.It Doesn't Stay in Vegas is the story of four friends who travel to Vegas on a quest for provocative sexual encounters, while consuming irresponsible amounts of alcohol and narcotics. Experience the journey through the delusional mind of The Unorthodox Gentleman, whose unique observations and assumptions drive the drug and booze fueled story of a once in a lifetime trip.Unfortunately, its not all fun and games as the contrasting group of friends is continually faced with unusual predicaments, usually brought on by their own destructive and unsophisticated behavior.It Doesn't Stay in Vegas captures the essence of Las Vegas distinct culture and is a must read for anyone with an interest in Sin City.Follow The Unorthodox Gentleman on Twitter @utxgent.
___________________________________________________________________ Travel With Me; St.Malo and The Mont St. Michel [Kindle Edition]
Christine Pointeau (Author)
LinkyBook Description
Publication Date: July 11, 2012
As part of the Art House Co-Op Sketchbook Project 2012 World Tour, the author took inspiration from a family trip to France for her art work.Sketches done using trip photographs fill her book with endearing illustrations in various mediums, each accompanied with a personal anecdote.Available in paperback format.
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A Good Kind of Knowing [Kindle Edition]
Kathy Lynn Harris (Author)
LinkyBook Description
Publication Date: October 21, 2012
Imagine if Maeve Binchy grew up in Texas and wrote an old-school Larry McMurtry novel. Think Hope Floats meets High Fidelity.Thats how critics are describing A Good Kind of Knowingfrom the author of the highly acclaimed and number-one Amazon bestseller, Blue Straggler.A Good Kind of Knowing is a novel about the power of music and friendship, the relationship two-steps that go on in old Texas dancehalls, and the secret to finding just a little bit of common ground in a world full of distrust.What readers are saying:
Engaging, emotionally accurate, visual and funny.You pulled me right in.I feel like Im right thereI can feel the Texas heat and see the small town and the people who populate it.The characters are diverse and interesting, and each has a unique personality that adds to the entire canvas of the story.I know these people. Whats more, I like them, even despite their faults.My head is full of your story. It took me only two and a half days to read the book cover to cover, which means I was doing it every spare minute.The pace is comfortable, the characters rich and colorful. The events are anything but predictable; I was always wondering whats going to happen next.Sera Taylor's store is the one place in Lakeville, Texas, where individuals from all walks of life share a universal love for music and a respect for the gypsy-like woman behind the antique glass counter. Readers get a taste of the unorthodox connection between Sera and Mack, a young local cowboy and musician, and Seras previously untested devotion to her husband Bill. They learn of her relationship with Ruby D., the vibrant but misguided mother of five; with Louie, the shy high school band director; with Beverly, the religious, upper-class socialite; with Antonio, a local bar owner striving to make a life for himself; with Tommy Lee, a rich and directionless gigolo; and with Wes, the only out-of-the closet gay man for miles. As Sera battles a serious illness, the characters must overcome long-held stereotypes to save Seras store, and in the end, large parts of themselves.
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Film Critic: A Decade Behind the Scenes in the Movie Industry [Kindle Edition]
Laremy Legel (Author)
LinkyBook Description
Publication Date: February 5, 2013
BOOK DESCRIPTION
"Film Critic: A Decade Behind the Scenes in the Movies Industry" is an insider look at the world of criticism, celebrity interviews, and movies. Ever wanted to know how a professional critic goes about his or her job? "Film Critic" alternates between hilarious and serious, all with the goal of entertaining the reader. So yeah, it's pretty much the opposite of "Indiana Jones and the Kingdom of the Crystal Skull". Enjoy!REVIEWS
Laremy crushes it as he goes behind the scenes of film criticism and gives some of his best and worst experiences working as a film critic, the pros and cons of going into work full time as a critic, and breaks down exactly why criticism of films is warranted at all. It's funny and smart and fairly quick read. Highly recommended. - The Cradleman (Amazon Verified Purchase)AUTHOR BIO
Pop culture maven Laremy, a Seattleite with a heart of gold, has traveled to Hollywood and back to bring you some laughs, entertainment, and perhaps a thinker or two. His favorite series in the world is Douglas Adams's "Hitchhiker's Guide to the Galaxy" and he can be found walking his golden puggle Bugsy each and every night.Laremy was recently interviewed by Indiewire.com:
http://blogs.indiewire.com/criticwire/an-interview-with-film-cri...Chapters include:
Matt McConaughey
Spike Lee
Joss Whedon
Kristen Stewart
Darren Aronofsky
Joan Cusack
Adam Carolla
Podcasting
Radio and Television Appearances
Screenings
Screeners
The Highs and Lows of Sundance
Expertise vs. Enthusiasm
Great Expectations
What Makes a Masterpiece?
Why The MPAA is Terrible
The Reader vs. The Dark Knight
Tucker Max
Bribes
The Critic / General Public Divide
Commenters
Disagreeing with RottenTomatoes
The Notebook
Babel
V for Vendetta
The Dark Knight
Inglourious Basterds
G.I. Joe: The Rise of Cobra
The Review That Ended up Costing Me a Job
Novels and Screenplays
Writing Gossip
Should You Write for Free?
FAQs
In Defense of Film Criticism
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A Little Bit of Everything For Dummies [Kindle Edition]
John Wiley and Sons (Author, Other Contributor)
LinkyBook Description
Publication Date: November 16, 2011
Twenty years ago the very first For Dummies book, DOS For Dummies, was published. From that first printing of that first book came a series unlike anything in the publishing world, one that is global in both geography - we have been published worldwide in some 30 languages - and in coverage. No single volume can hope to summarize what thousands of titles have meant to millions of readers over the years, and we don't claim to do that in this e-book. Rather, this e-book celebrates the breadth and depth of the For Dummies series, offering 20 chapters - in honor of our 20 years - from a list of books compiled by our global colleagues. We are confident the chapters we've included give you a representative glimpse at why - no matter what the topic - our products have meant so much to so many by Making Everything Easier. We've grouped our chapters into five main parts:Part I: Dummies Classics, offers four chapters from some of our best-loved books. There's a chapter from DOS For Dummies, the book that started it all, and chapters from two of our best-sellers: Windows 7 For Dummies and Sex For Dummies. And just for a bit of spice, we've included a chapter from French For Dummies.Part II: Daily Dose of Dummies, offers the kind of lifestyle, self-help, and business skills that our readers have come to treasure. There's one of our famous Part of Tens chapters from Cognititive Behavioural Therapy for Dummies and a chapter from Meditation For Dummies to help you get your center. Chapters from Leadership For Dummies and Marketing For Dummies help you develop new skills for the marketplace.Part III, Fun with Dummies, celebrates life and all it has to offer. We've got chapters here from The Royal Wedding For Dummies, Guitar For Dummies, Digital Photography SLR All-in-One For Dummies, Puppies for Dummies, Knitting For Dummies, and Wine For Dummies.Part IV, Get Social, highlights how we help you grow and develop new skills. Chapters here come from Facebook For Dummies, Social Media Marketing For Dummies, and Dating For Dummies.Part V, Going Global, shares the worldwide appeal of the For Dummies series. These chapters from British History For Dummies, Canadian History For Dummies, and Rugby Union For Dummies were created by our global colleagues and authors and show how the For Dummies approach applies not only to whatever the subject is at hand, but also wherever the discussion is taking place.
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Kidowed [Kindle Edition]
Jessica Kenley (Author)
LinkyBook Description
Publication Date: July 3, 2012
In this book you'll find the the struggles, sorrows, and triumphs of the author after she has two children with a rare and universally fatal genetic disease. As she travels through her hellish journey, you will experience unexpected humor, endless love, and learn how strong one family can be while they walk beside her.
_______________________________________________________________________________________Lost Wife, Saw Barracuda - True Stories from a Sharm El Sheikh Scuba Diving Instructor [Kindle Edition]
LinkyBook Description
Publication Date: December 1, 2010
The Funniest Diving Book in YearsLeading Magazine ReviewsIts as authentic as it is hysterical. Its a chuckling page-turner. Dive Gear Reviews USAA beautifully written and rare diving book. Diver Magazine UKVery funny, honest and entertaining. The Egyptian Chamber of Diving and Water SportsEver wanted to jack it all in and start a new life in Egypt? The scuba diving resort of Sharm el Sheikh has been one of the worlds best kept secrets. It only hits the news in times of mishap but behind the scenes of this hugely popular and vibrant city are hundreds of ex-pats living the dream of a life in the sun.John Keans hilarious book, Lost Wife, Saw Barracuda True Stories from a Sharm el Sheikh Scuba Diving Instructor is an inside fly-on-the-wall look at the ups and downs of swapping the rat race for a life in Sharm el Sheikh. It is frank, honest and gripping in sometimes epic proportions, but the humor and magnetic appeal of Sharm el Sheikh and Egypt shines through every time in this beautifully written true story.Over a decade, this mild-mannered, ex-stockbroker has been chased by aggressive sharks, had a 737 airliner drop from the sky into the sea, broken four bones, been arrested three times and finally, blown up by terrorists. On the plus side, Sharm el Sheikhs outstanding natural appeal, year round sun and amazingly talented and friendly community of Egyptian and ex-pat residents has made it a home from home, free of the stresses of everyday life in Europe.Unlike other fly on the wall or inside books, John actually takes you along with him for the ride. His accounts are genuine, highly informative and very funny. Turning tragedy and mishap into humor is the books strength and youll find a laugh on nearly every page.The story is heavily upstaged by the comical antics of five, highly entertaining characters coming to terms with neutral buoyancy, hangovers and Egyptian taxi drivers. The legendary exploits of the latter are awarded an entire chapter where were introduced to, Airbag, Sharm el Sheikhs worst driver and in contrast, Joseph, who takes up the offer of a job swap, gives John his taxi and becomes a scuba diver for the day!The most dramatic chapter of Lost Wife, Saw Barracuda is the vivid, minute-by-minute account of dive staff involvement during the Sharm bombings in July 2005. This rare civilian insight of a grand scale terrorist attack shows the human cost of those caught up and the tremendous resolve of unlikely rescuers in preventing further loss of life.Despite occasional tragedy, Lost Wife, Saw Barracuda is a positive book that will thrill and entertain, portray scuba diving as an engaging and enjoyable sport and show readers the brighter side of Sharm el Sheikh in Egypt. Anyone can read and enjoy this wonderfully funny story.Its a must read if youve ever been even remotely near water!About The AuthorJohn Kean is a professional diver and writer who, following a scuba holiday to Egypt in 1997, gave up the rat race for a new life in Sharm el Sheikh. His other titles include the definitive, SS Thistlegorm The True Story of the Red Seas Greatest Ship Wreck.John has written feature articles for several international dive and travel magazines, been interviewed on national television and is also a regular guest speaker at UK dive shows. He has completed over 5,500 dives and holds a master instructor rating with the leading scuba training agency, however, he counts his most important qualification as having an equal number of ascents and descents.
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How To Turn Fear Into Confidence - A Superhero Success Guide To Conquering Fear! [Kindle Edition]
TW Walker (Author)
LinkyBook Description
Publication Date: November 11, 2012
Fear is one of the most lethal adversaries of anyone, particularly those who are small business owners and aspiring entrepreneurs. In the Superhero Success expanding series of books and ebooks, small business Coach TW Walker provides the core of his business mentoring advice with a breakdown of overcoming fear, how it debilitates growth, and how to contain it forever with "How To Turn Fear Into Confidence".Leadership development starts with self confidence, and once you have self confidence then beating fear is easy. No longer does fear of failure have to hold you back from achieving success in anything you do...The original Superhero Success book has received endorsements from the Napoleon Hill Foundation (of Think And Grow Rich) as well as James Malinchak of ABC's Secret Millionaire, and Scott Alexander of the best selling Rhinocerous Success book series. Now, the Superhero Success brand is expanding to include a more in depth -yet still fun- look into other topics of interest to people who want to succeed in various aspects of life and business.Are you ready to strap on your cape?
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Please! Stop My Baby Brother From Crying (Childress Children's Book Series) [Kindle Edition]
Geryn Childress (Author)
LinkyBook Description
Publication Date: February 20, 2013
"Funny!" " Hilarious!" "Modern day version of Dr.Seuss" are some of the things that have been said about "Please! Stop My Baby Brother From Crying" the 3rd release in the Childress Children's Book Series, with many more to come this book is sure to bring a smile to your face, another classic.
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Maddening and Marvelous Motherhood [Kindle Edition]
Christine Carter (Author)
LinkyBook Description
Publication Date: January 3, 2012
This book is an honest, humorous, and heartwarming take on motherhood. A stay-at-home mother writes about her child-rearing challenges and triumphs, as she shares stories that will make you laugh out loud. Her candid nature is refreshing and her thoughts are well worth reading. In her own unique way, she encourages all mothers to be their best. The book draws from stories located on the authors website at TheMomCafe dot com.
Don't Try to Stop Stuttering...REPLACE IT! [Kindle Edition]Michael Williams (Author)]http://www.amazon.com/Dont-Try-Stop-Stuttering-REPLACE-ebook/dp/...Book Description
Publication Date: April 4, 2013
Stuttering Treatment: How to Stop StutteringThe logical and traditional way to approach stuttering is to try to treat, stop, overcome or manage it. The only problem is, this way often does not work. This guide will present to you another view, one that I think you'll find far more effective and successful in helping you achieve your fluency and life goals.You know that you are capable of being, doing and having more. You know that you are intelligent and are able or want to be able to contribute more to your job, class, family, community and world. But, something has been holding you back. You've felt limited, even controlled by stuttering. Well, the great news is that you can learn to start speaking more smoothly, fluently and confidently, but only IF you approach it from a completely different direction.My name is Michael Williams and I'm the founder of The Start Speaking Training Center and the PRO90D Speech System, and I stuttered for over 20 years. In this guide, I'm going to share with you no only how I have used stuttering as a springboard to excellent speech, but, how I am helping thousands of people around the globe do the same.If you are truly ready to make a change, and have an open mind, I believe you WILL find something in this guide that will truly transform your entire life. And, I don't say that lightly. This guide contains the pure essence of all of the techniques and strategies I use everyday to help people just like you unlock their speaking potential. This is not hype, or theory. The information contained in this guide is based on Neuroscience, Neuroplasticity, Accelerated Learning Strategies, and real life experience. May this guide be a true blessing to you and everyone your life touches.
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5 Keys to Doing Business With The Right People [Kindle Edition]colin myles (Author)]http://www.amazon.com/Doing-Business-Right-People-ebook/dp/B00BU...Book Description
Publication Date: March 14, 2013
In the 5 Keys to Doing Business with The Right People, author Colin Myles shares the fundementals for dealing with people and companies in business. With time tested and proven keys, Colin reveals a five step excercise to assist you make better choice and decisions, when it comes to spending your money.
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How To Be Successful: 21 Things the Most Successful People Don't Do After Getting Up! [Kindle Edition]Joe Allen (Author), David Donaldson (Author)]http://www.amazon.com/How-To-Be-Successful-ebook/dp/B008NU5F5O/Book Description
Publication Date: July 21, 2012
Do you know why some people are more successful than others? How come some people are earning more than you even they are not smarter than you? Why some people are living in a better life?Well...if you are seeking the answers, one of the reasons is that the most successful people do things differently. By doing things differently, you get different result.You could be like them, too; if you act like them. How?In "How To Be Successful: 21 Things the Most Successful People Dont Do After Getting Up! ", you'll learn the things that the most successful people don't do after they get up from bed, and what you could learn from them.Morning time is the most precious time in a day, the most successful people know how to utilized that time to maximize their day. Success has no secrets, it has patterns. Intimating what the most successful people do is just one method you could learn.Get this book today to know what you shouldn't be doing in the morning after getting up, and how you could benefit from it and start to live in a better life.
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Blood Type Diet [Kindle Edition]Valerie Lewis (Author)]http://www.amazon.com/Blood-Type-Diet-ebook/dp/B00C4W6CJ0/Book Description
Publication Date: March 31, 2013
Blood Type DietFeaturing Blood Type RecipesA blood type diet is one in which you aim to eat the right foods for your type of blood. Four different blood types determine the blood type diet food list. The blood types diet covers type O, A, and AB. The thought is that blood types and diet plays a major role in the health of the person. Each blood type has specific foods that are allowed and not allowed for consumption. Peter D'Adamo who pioneered the diet plan bases the diet plan very much on the book and research. He fully believes that blood type and diet are directly related and we should consume foods or diets for blood types to match each person.This book has an information section explaining all about the blood type diets, the theory behind the thought and goes over the foods list. The largest part of the book covers actual recipes for each blood type, type O, type A, and type AB. Each recipe section contains appetizers, desserts, breads, main dishes, and side dishes. Many of the recipes can be interchanged with some or all of the other blood types. Paying attention to the allowable and not allowable foods list helps to determine which recipes can go best with each blood type. The recipes in this book cover specifically for each blood type for quick and easy reference.Here are a sampling of the recipes for type O blood: Cheese Ball with Herbs, Sugar Cookies, Rye Bread, and Meat Loaf. Type A blood: Sardine Salad Spread, Fudge Cookies, Buttermilk Biscuits, Italian Chicken Breasts and Rice Stuffing. Type B blood: Meatballs A La Turkey, CranNut Cake, Fried Chicken Steak, and Green Beets. Type AB blood: Veggies and Goat Cheese Dip, Risotto Tomato Rice, Chicken Curry, Nutty Baked Yellow Delicious Apples, and Zucchini Bread.___________________________________________________________________________________________Double Your Productivity: How To Get More Done In Less Time [Kindle Edition]Victor L. Fox (Author)]http://www.amazon.com/Double-Your-Productivity-More-ebook/dp/B00...Book Description
Publication Date: April 4, 2013
You'll Be Amazed How Easy It Is To Achieve Your Goals In Half The Time!Do you often wonder how some people can get twice as much work done in a smaller time frame than you? Were these people born with higher energy levels and laser beam focus?Of course the answer is no. However, they do have the right tools, techniques, and strategies that allow their minds, bodies, and emotions to perform at a higher level.The good news is that all these things can be learned and replicated quickly. In fact, you can double your productivity in as little as 30 days.Did you know that most people restrain themselves from performing anywhere near as well as their minds and bodies were naturally designed to perform? Most people believe that productivity is all about prioritizing your tasks throughout the day, but in reality there is a lot more to it than that.The highest level of productivity is like a triangle where all sides support each other. High productivity requires your mind, body, and emotions to work together in a triangular fashion. Every time one of those three elements is out of place, a significant drop-off in productivity will occur. Therefore, you must calibrate each one of those elements for optimal performance.This book will walk you through the intricate process of fine-tuning each one of those areas. Once you mind, body, and emotions are in complete alignment with your goals and desires you will:- Get more work done in less time.
- Enjoy a state of flow while working.
- Hove more time for friends and family.
- Exceed everyone's expectations.
- Improve the quality of your work.
- Blast through projects that used to be difficult.
- Make everyone admire your work ethic and beg you to share your secrets.If I Could Do It, You Can Do It!I've always had big dreams and aspirations, but every time I went after my goals I ended up feeling like I overestimated my abilities. I frequently found myself struggling to meet deadlines, and the harder I worked the more exhausted I felt mentally, physically, and emotionally.Eventually I realize that I wouldn't be able to sustain this kind of workload much longer. That's when I decided that finding a solution to my problem was a must.I started reading tons of books on time management and productivity. Soon I had a lot of useful information. Some things worked better than others, but I was still not getting the kind of results that I wanted.Finally, I realized that it was probably a good idea to ask someone whose work ethic I admired. I wanted to see if they'd be willing to share some of their knowledge with me. I found one individual who was happy to share exactly the kind of information I was looking for. He explained his entire productivity system to me in detail. He said that if I followed everything he taught me, I would double my productivity very quickly. To my amazement, everything worked out just like he said it would.Now I want to share this information with you. And, I want to do it without giving you any useless filler. I don't have time for it and I know you don't either. Here's a taste of what you will learn inside this book:- How one master success ritual can blow open your floodgates of flow, creativity, and productivity.
- How to annihilate distractions once and for all.
- How you can quickly and easily improve your ability to focus and use it to skyrocket your productivity.
- A time management system that aligns with your natural inner clock.
- How to make your mind and body re-energize faster than you ever thought possible.
- And much more!Imagine yourself producing better quality of work in half the time it used to take you. And, you'll get to enjoy your work a lot more. After applying the methods in this book you will be amazed with how easy it is to double your productivity.So take action. Get your copy now, improve your productivity, and reach your goals faster than you ever thought was possible.______________________________________________________________________________________________________
At Office Yoga: Your At Work Yoga Guide For Stiff Bodies That Sit All Day (Just Do Yoga) [Kindle Edition]Julie Schoen (Author), Little Pearl (Author)]http://www.amazon.com/At-Office-Yoga-Bodies-ebook/dp/B00C7WW2XC/Book Description
Publication Date: April 4, 2013
You work hard all day! Don't you deserve a break?Recent studies have proven that sitting for extended periods of time throughout the work day is more than just uncomfortable and boring, it is detrimental to your health! To help combat dangerous side effects of sedentary lifestyles, like obesity, heart disease, depression, and diabetes, you need to move throughout your day -- a lot!At Office Yoga: Your At Work Yoga Guide For Stiff Bodies That Sit All Day shows you how simple doing yoga at work (and before and after) really can be. And it's so good for you too! Practicing yoga throughout the work day will: Increase Metabolism
Improve Posture
Prevent and Manage Carpal Tunnel Syndrome
Decrease Stress and Moodiness
Boost Energy and Productivity
Help You Feel Comfortable, Confident, and Awesome! Julie Schoen, professional yoga teacher based in New Mexico, guides you through three carefully crafted yoga sequences that are designed specifically to help keep you in tip top shape both mentally and physically while at work.The 7th installment of her popular Just Do Yoga series, Schoen's humor, detailed instruction, and beautiful color photographs make this yoga guide one you will return to again and again, beginners to advanced yogis welcome!Make The Best Of Your Work Day Today -- Buy At Office Yoga Now!
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What If? : A Romantic Parallel World Time Travel Thriller [Kindle Edition]IAN C.P. IRVINE (Author)]http://www.amazon.com/What-If-Romantic-Parallel-ebook/dp/B00C7RY...Book Description
Publication Date: April 4, 2013
NOTE: THIS BOOK WAS PREVIOUSLY PUBLISHED ON Amazon AS "London 2012 : What If?"Starting a few days after the Olympics in London have finished, 'What If?' was written for the commuter, for anyone who sits for hours every day travelling to work, and wondering...'is this the life I should be living? Have I made the right choices? ' ...and then wished for something else...The new alternative to The Time Traveler's Wife, this is a must read for everyone, regardless of what city you work in.'What If?' raises many interesting questions that make great topics to be discussed in Book Clubs. This edition comes complete with guideline questions for your book club to debate and discuss.The Story :Contemplating having an affair, bored with work, and convinced there must be something more to it all, James Quinn is a man just about to enter a mid-life crisis. James leads a successful life. But is it the right life? Instead of a Product Manager in Telecoms, should he have been a plumber, an Olympic athlete, or an artist? Life, as they say, isn't a practice run. This is it.
Convinced the 'grass is greener' everywhere else, and worried that he may be missing out, James Quinn is a man full of doubts.It's not that he hates his own life. Far from it. His 'life', as others may call it, is good. It's just that, nowadays he can't stop looking at other people and wondering if he is living the right one? What if James has got it wrong?And then there's Jane, the first girl he kissed at school, and the one that got away. What would life have been like if he had married her instead of his wife? Unable to control his curiosity he tracks her down through Facebook and discovers that she is now a beautiful woman, living in London, and unhappy in her marriage: like a moth drawn to a flame James finds himself heading for infidelity and feels powerless to stop.Then one day, during the normal underground commute to work in London, he looks up from his book and doesn't recognise the station name on the Jubilee Line, and in a split-second, everything changes.Emerging onto a platform at "New Cross Gate North", a station that shouldn't exist, James finds that Canary Wharf has vanished. Gone. And so have Selfridges and mobile phones.Instead, James finds himself in a parallel world, where the city he lived in has changed, and every moment is now a voyage of discovery into a new life: a new career in advertising, a new house, and a new wife: Jane-the object of all his fantasies.In this new world, James discovers that he is a flamboyant, intelligent, charismatic, successful businessman. Yet, even though he now has everything he has always dreamt of, he finds that he longs for everything else that he used to have but has now lost: his two children, Keira and Nicole, and his wife Sarah. Sarah, the woman he loved but took for granted.Convinced that both the past and present are real, he realises that somewhere Sarah must be as real in this world as she was in the last. Longing to hold her in his arms again, and with no apparent way back to his old world, he sets out to find Sarah in his new world. Wherever she is.Using knowledge from their previous life together, he manages to track her down. But James realises that before he can truly be together with Sarah once again, he must first understand what went wrong between them in the other world to avoid it happening again.What is the secret that his subconscious has hidden from his conscious mind, and which made him want to turn away from Sarah and into the arms of another woman? Will it be possible for Sarah to fall in love with him again in this new world? And is it too late to find a way back to the old world, and his old life?Or will he be stuck forever in this other world, yearning for the green, green grass of home?
____________________________________________________________________________________ The Seriously Silly ABC Book: A Rhyming Picture Book for Kids Learning to Read [Kindle Edition]Steve Hodge (Author)]http://www.amazon.com/The-Seriously-Silly-Book-ebook/dp/B00C4W41...Book Description
Publication Date: March 31, 2013
"The Seriously Silly ABC Book" introduces children to the letters of the alphabet one at a time using colorful drawings and simple sentences that emphasize the individual letters in bold, capitalized, brightly-colored type.You will point out the featured letter at the top of each page and encourage your child to find the several other examples of that same letter on that page, making this book a fun, interactive experience for both you and your child each time you share the book together.This book became a #1 Best Seller within days of its release.Once your child becomes familiar with the letters of the alphabet (or if your child is already there) you may want to check out the authors other rhyming picture books for kids learning to read; Things You Might See and More Things You Might See, each of which achieved a #1 Best Seller ranking in their childrens book categories the months they were released. More Things You Might See also earned a #1 Hot New Release ranking.Those books have entertained thousands of children while helping to guide them onto the path toward learning to read.
_____________________________________________________________________________________________Speed Writing for Nonfiction Writers: How to Double or Triple Your Daily Word Count [Kindle Edition]Ryan Healy (Author)]http://www.amazon.com/Speed-Writing-Nonfiction-Writers-ebook/dp/...Book Description
Publication Date: March 9, 2013
If youve ever struggled with the blank screen if writing feels like crawling through mud on your belly or if you just want to write faster than you do today then this book is for you.It will teach you the secrets of "Speed Writing" and how to double or triple your daily writing output.Imagine that you are able to write two or three times as fast as you can today. How much more would you be able to get published each year? More importantly, how much more would you be able to earn as a writer?Heres what youll learn when you read Speed Writing for Nonfiction Writers:* 4 reasons you need to write faster than you do today.* How I wrote an ebook in a single weekend -- and how you can, too.* How to conquer the blank screen once and for all.* How to quickly increase your writing speed so that you are able to double or triple your daily word count.* Mistaken assumptions that keep writers stuck in slow.* The 10 Powers of Speed Writing. How you can layer these powers for bigger gains in speed.* Why anybody with sufficient motivation can become a Speed Writer.* The difference between good writing days and bad writing days.* How to start stacking more high productivity days on top of each other so you can complete impossible writing projects in record time.* How to feel inspired every single time you sit down to write.* And much more.Speed Writing for Nonfiction Writers is for writers of all kinds. It doesn't matter whether you write articles, editorials, sales letters, white papers, or books. You will find techniques and principles that will make you a much faster writer.
Publication Date: April 4, 2013
Stuttering Treatment: How to Stop StutteringThe logical and traditional way to approach stuttering is to try to treat, stop, overcome or manage it. The only problem is, this way often does not work. This guide will present to you another view, one that I think you'll find far more effective and successful in helping you achieve your fluency and life goals.You know that you are capable of being, doing and having more. You know that you are intelligent and are able or want to be able to contribute more to your job, class, family, community and world. But, something has been holding you back. You've felt limited, even controlled by stuttering. Well, the great news is that you can learn to start speaking more smoothly, fluently and confidently, but only IF you approach it from a completely different direction.My name is Michael Williams and I'm the founder of The Start Speaking Training Center and the PRO90D Speech System, and I stuttered for over 20 years. In this guide, I'm going to share with you no only how I have used stuttering as a springboard to excellent speech, but, how I am helping thousands of people around the globe do the same.If you are truly ready to make a change, and have an open mind, I believe you WILL find something in this guide that will truly transform your entire life. And, I don't say that lightly. This guide contains the pure essence of all of the techniques and strategies I use everyday to help people just like you unlock their speaking potential. This is not hype, or theory. The information contained in this guide is based on Neuroscience, Neuroplasticity, Accelerated Learning Strategies, and real life experience. May this guide be a true blessing to you and everyone your life touches.
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5 Keys to Doing Business With The Right People [Kindle Edition]colin myles (Author)]http://www.amazon.com/Doing-Business-Right-People-ebook/dp/B00BU...Book Description
Publication Date: March 14, 2013
In the 5 Keys to Doing Business with The Right People, author Colin Myles shares the fundementals for dealing with people and companies in business. With time tested and proven keys, Colin reveals a five step excercise to assist you make better choice and decisions, when it comes to spending your money.
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How To Be Successful: 21 Things the Most Successful People Don't Do After Getting Up! [Kindle Edition]Joe Allen (Author), David Donaldson (Author)]http://www.amazon.com/How-To-Be-Successful-ebook/dp/B008NU5F5O/Book Description
Publication Date: July 21, 2012
Do you know why some people are more successful than others? How come some people are earning more than you even they are not smarter than you? Why some people are living in a better life?Well...if you are seeking the answers, one of the reasons is that the most successful people do things differently. By doing things differently, you get different result.You could be like them, too; if you act like them. How?In "How To Be Successful: 21 Things the Most Successful People Dont Do After Getting Up! ", you'll learn the things that the most successful people don't do after they get up from bed, and what you could learn from them.Morning time is the most precious time in a day, the most successful people know how to utilized that time to maximize their day. Success has no secrets, it has patterns. Intimating what the most successful people do is just one method you could learn.Get this book today to know what you shouldn't be doing in the morning after getting up, and how you could benefit from it and start to live in a better life.
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Blood Type Diet [Kindle Edition]Valerie Lewis (Author)]http://www.amazon.com/Blood-Type-Diet-ebook/dp/B00C4W6CJ0/Book Description
Publication Date: March 31, 2013
Blood Type DietFeaturing Blood Type RecipesA blood type diet is one in which you aim to eat the right foods for your type of blood. Four different blood types determine the blood type diet food list. The blood types diet covers type O, A, and AB. The thought is that blood types and diet plays a major role in the health of the person. Each blood type has specific foods that are allowed and not allowed for consumption. Peter D'Adamo who pioneered the diet plan bases the diet plan very much on the book and research. He fully believes that blood type and diet are directly related and we should consume foods or diets for blood types to match each person.This book has an information section explaining all about the blood type diets, the theory behind the thought and goes over the foods list. The largest part of the book covers actual recipes for each blood type, type O, type A, and type AB. Each recipe section contains appetizers, desserts, breads, main dishes, and side dishes. Many of the recipes can be interchanged with some or all of the other blood types. Paying attention to the allowable and not allowable foods list helps to determine which recipes can go best with each blood type. The recipes in this book cover specifically for each blood type for quick and easy reference.Here are a sampling of the recipes for type O blood: Cheese Ball with Herbs, Sugar Cookies, Rye Bread, and Meat Loaf. Type A blood: Sardine Salad Spread, Fudge Cookies, Buttermilk Biscuits, Italian Chicken Breasts and Rice Stuffing. Type B blood: Meatballs A La Turkey, CranNut Cake, Fried Chicken Steak, and Green Beets. Type AB blood: Veggies and Goat Cheese Dip, Risotto Tomato Rice, Chicken Curry, Nutty Baked Yellow Delicious Apples, and Zucchini Bread.___________________________________________________________________________________________Double Your Productivity: How To Get More Done In Less Time [Kindle Edition]Victor L. Fox (Author)]http://www.amazon.com/Double-Your-Productivity-More-ebook/dp/B00...Book Description
Publication Date: April 4, 2013
You'll Be Amazed How Easy It Is To Achieve Your Goals In Half The Time!Do you often wonder how some people can get twice as much work done in a smaller time frame than you? Were these people born with higher energy levels and laser beam focus?Of course the answer is no. However, they do have the right tools, techniques, and strategies that allow their minds, bodies, and emotions to perform at a higher level.The good news is that all these things can be learned and replicated quickly. In fact, you can double your productivity in as little as 30 days.Did you know that most people restrain themselves from performing anywhere near as well as their minds and bodies were naturally designed to perform? Most people believe that productivity is all about prioritizing your tasks throughout the day, but in reality there is a lot more to it than that.The highest level of productivity is like a triangle where all sides support each other. High productivity requires your mind, body, and emotions to work together in a triangular fashion. Every time one of those three elements is out of place, a significant drop-off in productivity will occur. Therefore, you must calibrate each one of those elements for optimal performance.This book will walk you through the intricate process of fine-tuning each one of those areas. Once you mind, body, and emotions are in complete alignment with your goals and desires you will:- Get more work done in less time.
- Enjoy a state of flow while working.
- Hove more time for friends and family.
- Exceed everyone's expectations.
- Improve the quality of your work.
- Blast through projects that used to be difficult.
- Make everyone admire your work ethic and beg you to share your secrets.If I Could Do It, You Can Do It!I've always had big dreams and aspirations, but every time I went after my goals I ended up feeling like I overestimated my abilities. I frequently found myself struggling to meet deadlines, and the harder I worked the more exhausted I felt mentally, physically, and emotionally.Eventually I realize that I wouldn't be able to sustain this kind of workload much longer. That's when I decided that finding a solution to my problem was a must.I started reading tons of books on time management and productivity. Soon I had a lot of useful information. Some things worked better than others, but I was still not getting the kind of results that I wanted.Finally, I realized that it was probably a good idea to ask someone whose work ethic I admired. I wanted to see if they'd be willing to share some of their knowledge with me. I found one individual who was happy to share exactly the kind of information I was looking for. He explained his entire productivity system to me in detail. He said that if I followed everything he taught me, I would double my productivity very quickly. To my amazement, everything worked out just like he said it would.Now I want to share this information with you. And, I want to do it without giving you any useless filler. I don't have time for it and I know you don't either. Here's a taste of what you will learn inside this book:- How one master success ritual can blow open your floodgates of flow, creativity, and productivity.
- How to annihilate distractions once and for all.
- How you can quickly and easily improve your ability to focus and use it to skyrocket your productivity.
- A time management system that aligns with your natural inner clock.
- How to make your mind and body re-energize faster than you ever thought possible.
- And much more!Imagine yourself producing better quality of work in half the time it used to take you. And, you'll get to enjoy your work a lot more. After applying the methods in this book you will be amazed with how easy it is to double your productivity.So take action. Get your copy now, improve your productivity, and reach your goals faster than you ever thought was possible.______________________________________________________________________________________________________
At Office Yoga: Your At Work Yoga Guide For Stiff Bodies That Sit All Day (Just Do Yoga) [Kindle Edition]Julie Schoen (Author), Little Pearl (Author)]http://www.amazon.com/At-Office-Yoga-Bodies-ebook/dp/B00C7WW2XC/Book Description
Publication Date: April 4, 2013
You work hard all day! Don't you deserve a break?Recent studies have proven that sitting for extended periods of time throughout the work day is more than just uncomfortable and boring, it is detrimental to your health! To help combat dangerous side effects of sedentary lifestyles, like obesity, heart disease, depression, and diabetes, you need to move throughout your day -- a lot!At Office Yoga: Your At Work Yoga Guide For Stiff Bodies That Sit All Day shows you how simple doing yoga at work (and before and after) really can be. And it's so good for you too! Practicing yoga throughout the work day will: Increase Metabolism
Improve Posture
Prevent and Manage Carpal Tunnel Syndrome
Decrease Stress and Moodiness
Boost Energy and Productivity
Help You Feel Comfortable, Confident, and Awesome! Julie Schoen, professional yoga teacher based in New Mexico, guides you through three carefully crafted yoga sequences that are designed specifically to help keep you in tip top shape both mentally and physically while at work.The 7th installment of her popular Just Do Yoga series, Schoen's humor, detailed instruction, and beautiful color photographs make this yoga guide one you will return to again and again, beginners to advanced yogis welcome!Make The Best Of Your Work Day Today -- Buy At Office Yoga Now!
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What If? : A Romantic Parallel World Time Travel Thriller [Kindle Edition]IAN C.P. IRVINE (Author)]http://www.amazon.com/What-If-Romantic-Parallel-ebook/dp/B00C7RY...Book Description
Publication Date: April 4, 2013
NOTE: THIS BOOK WAS PREVIOUSLY PUBLISHED ON Amazon AS "London 2012 : What If?"Starting a few days after the Olympics in London have finished, 'What If?' was written for the commuter, for anyone who sits for hours every day travelling to work, and wondering...'is this the life I should be living? Have I made the right choices? ' ...and then wished for something else...The new alternative to The Time Traveler's Wife, this is a must read for everyone, regardless of what city you work in.'What If?' raises many interesting questions that make great topics to be discussed in Book Clubs. This edition comes complete with guideline questions for your book club to debate and discuss.The Story :Contemplating having an affair, bored with work, and convinced there must be something more to it all, James Quinn is a man just about to enter a mid-life crisis. James leads a successful life. But is it the right life? Instead of a Product Manager in Telecoms, should he have been a plumber, an Olympic athlete, or an artist? Life, as they say, isn't a practice run. This is it.
Convinced the 'grass is greener' everywhere else, and worried that he may be missing out, James Quinn is a man full of doubts.It's not that he hates his own life. Far from it. His 'life', as others may call it, is good. It's just that, nowadays he can't stop looking at other people and wondering if he is living the right one? What if James has got it wrong?And then there's Jane, the first girl he kissed at school, and the one that got away. What would life have been like if he had married her instead of his wife? Unable to control his curiosity he tracks her down through Facebook and discovers that she is now a beautiful woman, living in London, and unhappy in her marriage: like a moth drawn to a flame James finds himself heading for infidelity and feels powerless to stop.Then one day, during the normal underground commute to work in London, he looks up from his book and doesn't recognise the station name on the Jubilee Line, and in a split-second, everything changes.Emerging onto a platform at "New Cross Gate North", a station that shouldn't exist, James finds that Canary Wharf has vanished. Gone. And so have Selfridges and mobile phones.Instead, James finds himself in a parallel world, where the city he lived in has changed, and every moment is now a voyage of discovery into a new life: a new career in advertising, a new house, and a new wife: Jane-the object of all his fantasies.In this new world, James discovers that he is a flamboyant, intelligent, charismatic, successful businessman. Yet, even though he now has everything he has always dreamt of, he finds that he longs for everything else that he used to have but has now lost: his two children, Keira and Nicole, and his wife Sarah. Sarah, the woman he loved but took for granted.Convinced that both the past and present are real, he realises that somewhere Sarah must be as real in this world as she was in the last. Longing to hold her in his arms again, and with no apparent way back to his old world, he sets out to find Sarah in his new world. Wherever she is.Using knowledge from their previous life together, he manages to track her down. But James realises that before he can truly be together with Sarah once again, he must first understand what went wrong between them in the other world to avoid it happening again.What is the secret that his subconscious has hidden from his conscious mind, and which made him want to turn away from Sarah and into the arms of another woman? Will it be possible for Sarah to fall in love with him again in this new world? And is it too late to find a way back to the old world, and his old life?Or will he be stuck forever in this other world, yearning for the green, green grass of home?
____________________________________________________________________________________ The Seriously Silly ABC Book: A Rhyming Picture Book for Kids Learning to Read [Kindle Edition]Steve Hodge (Author)]http://www.amazon.com/The-Seriously-Silly-Book-ebook/dp/B00C4W41...Book Description
Publication Date: March 31, 2013
"The Seriously Silly ABC Book" introduces children to the letters of the alphabet one at a time using colorful drawings and simple sentences that emphasize the individual letters in bold, capitalized, brightly-colored type.You will point out the featured letter at the top of each page and encourage your child to find the several other examples of that same letter on that page, making this book a fun, interactive experience for both you and your child each time you share the book together.This book became a #1 Best Seller within days of its release.Once your child becomes familiar with the letters of the alphabet (or if your child is already there) you may want to check out the authors other rhyming picture books for kids learning to read; Things You Might See and More Things You Might See, each of which achieved a #1 Best Seller ranking in their childrens book categories the months they were released. More Things You Might See also earned a #1 Hot New Release ranking.Those books have entertained thousands of children while helping to guide them onto the path toward learning to read.
_____________________________________________________________________________________________Speed Writing for Nonfiction Writers: How to Double or Triple Your Daily Word Count [Kindle Edition]Ryan Healy (Author)]http://www.amazon.com/Speed-Writing-Nonfiction-Writers-ebook/dp/...Book Description
Publication Date: March 9, 2013
If youve ever struggled with the blank screen if writing feels like crawling through mud on your belly or if you just want to write faster than you do today then this book is for you.It will teach you the secrets of "Speed Writing" and how to double or triple your daily writing output.Imagine that you are able to write two or three times as fast as you can today. How much more would you be able to get published each year? More importantly, how much more would you be able to earn as a writer?Heres what youll learn when you read Speed Writing for Nonfiction Writers:* 4 reasons you need to write faster than you do today.* How I wrote an ebook in a single weekend -- and how you can, too.* How to conquer the blank screen once and for all.* How to quickly increase your writing speed so that you are able to double or triple your daily word count.* Mistaken assumptions that keep writers stuck in slow.* The 10 Powers of Speed Writing. How you can layer these powers for bigger gains in speed.* Why anybody with sufficient motivation can become a Speed Writer.* The difference between good writing days and bad writing days.* How to start stacking more high productivity days on top of each other so you can complete impossible writing projects in record time.* How to feel inspired every single time you sit down to write.* And much more.Speed Writing for Nonfiction Writers is for writers of all kinds. It doesn't matter whether you write articles, editorials, sales letters, white papers, or books. You will find techniques and principles that will make you a much faster writer.
I started a thread about this last year, but it's archived, so I can't bump it.http://www.fullofdeals.com/forums/finance/1180442/Essentially, I need someone to explain to me the tax implications of this thing that I bought (and subsequently sold, mainly because I was hoping to avoid tax-related headaches, but also because I didn't really understand it). The prospectus for the position in question can be found here.I was the original purchaser of my shares in 2008, and it was a principal-protected note, contingent on me holding it for the full five years. However, I sold my shares at a slight loss on June 29, 2012. According to the phone rep I spoke to, I held the note for 184 days in 2012, which is approximately correct, although I don't know how they arrived at that exact number of days, since the sale was 6/29 and the settlement date was 7/5. Anyway, it doesn't really matter.Copied from pages 21-23 of the prospectus:prospectus said: Under the Foreign Currency Regulations, the rules applicable to debt instruments that provide for payments determined by reference to multiple currencies depend on the denomination currency of the debt instrument. Because the present value of the principal payment, which is a fixed U.S. dollar amount, is greater than the present value of the projected amount attributable to the Basket Currencies, the denomination currency of the Notes is the U.S. dollar. The Foreign Currency Regulations provide that the Notes consequently will be taxed pursuant to the rules contained in the Contingent Debt Regulations.
Taxation of Interest. A U.S. Holder of a Note will recognize income (or loss) on a Note in accordance with the Contingent Debt Regulations. The Contingent Debt Regulations require the application of a noncontingent bond method to determine accruals of income, gain, loss and deductions with respect to a contingent debt obligation. As described in more detail in the second and third succeeding paragraphs, under the noncontingent bond method, a U.S. Holder of a Note will be required for tax purposes to include in income each year an accrual of interest at the annual computational rate of 5.62%, compounded semi-annually (the comparable yield). The comparable yield is based on a rate at which Citigroup Funding could issue a fixed rate debt instrument with terms comparable to those of the Notes and no contingent payments. In addition, solely for purposes of determining the comparable yield pursuant to the Contingent Debt Regulations, a U.S. Holder of a Note will be assumed to be entitled to receive, in respect of each Note, annual coupon payments of US$40.00 on July 30, of 2009, 2010, 2011, 2012, and 2013, and a payment of US$1095.20 at maturity (the Projected Payment Amount). The Projected Payment Amount is calculated as the amount required to produce the comparable yield, taking into account the Notes issue price, and any non-contingent payments to be made on the note prior to maturity.
The comparable yield and the Projected Payment Amount are used to determine accruals of interest FOR TAX PURPOSES ONLY and are not assurances or predictions by Citigroup Funding with respect to the actual yield of or payment to be made in respect of a Note. The comparable yield and the Projected Payment Amount do not necessarily represent Citigroup Fundings expectations regarding such yield or the amount of such payment.
Each note will be issued at par. However, there will be original issue discount for U.S. federal income tax purposes (Tax OID) because a U.S. Holder must accrue income at the comparable yield. Under the Tax OID rules of the Internal Revenue Code of 1986, as amended (the Code), and the Treasury regulations promulgated thereunder, a U.S. Holder of a Note, whether such holder uses the cash or the accrual method of tax accounting, will be required to include as ordinary interest income the sum of the daily portions of Tax OID on the Note for all days during the taxable year that the U.S. Holder owns the Note. As a result, U.S. Holders of Notes, including U.S. Holders that employ the cash method of tax accounting, will be required to include amounts in respect of Tax OID accruing on Notes in taxable income each year regardless of whether holders receive more, less or no payments on the Notes in tax years prior to maturity. The Tax OID amounts for 2009, 2010, 2011, 2012, and 2013 take into account the payment of the annual coupons on July 30, of 2009, 2010, 2011, 2012 and 2013 respectively. Accordingly, U.S. Holders should report only the Tax OID for 2009, 2010, 2011, 2012, and 2013, and should not also include any separate amount in income as a result of the annual coupon payments.
The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).
Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.
If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.
The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).
Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.
If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.
U.S. Holders should be aware that the information statements they receive from their brokers (on an Internal Revenue Service Form 1099) stating accrued original issue discount in respect of the Notes may not take net negative or positive adjustments into account, and thus may overstate or understate the holders interest inclusions.
Disposition of the Notes. When a U.S. Holder sells, exchanges or otherwise disposes of the Note (including upon repayment of the Note at maturity) (a disposition), the U.S. Holders gain (or loss) on such disposition will equal the difference between the amount received by the U.S. Holder for the Note and the U.S. Holders tax basis in the Note. A U.S. Holders tax basis (i.e., adjusted cost) in a Note will be equal to the U.S. Holders original purchase price for such Note, plus any Tax OID accrued by the U.S. Holder and less the amount of any payments received by the holder while holding the Note.
If the amount received on the Note at maturity exceeds the Projected Payment Amount, the U.S. Holder will be required to include any such excess in income as ordinary income. Alternatively, if the amount received at maturity is less than the Projected Payment Amount, the difference between the Projected Payment Amount and the amount received at maturity will be treated as an offset to any interest otherwise includible in income by the U.S. Holder with respect to the Note for the taxable year in which maturity occurs, but only to the extent of the amount of such includible interest. Any remaining portion of such shortfall may be recognized and deducted by the U.S. Holder as an ordinary loss to the extent of the U.S. Holders previous Tax OID inclusions with respect to the Note.
On a disposition of a Note other than repayment of a Note at maturity, any gain realized by a U.S. Holder will be treated as ordinary interest income. Any loss realized by a U.S. Holder on a disposition will be treated as an ordinary loss to the extent of the U.S. Holders Tax OID inclusions with respect to the Note up to the date of disposition. Any loss realized in excess of such amount generally will be treated as a capital loss. An individual U.S. Holder generally will be allowed a deduction for any ordinary loss without regard to the two-percent miscellaneous itemized deduction rule of Section 67 of the Code. Any capital loss recognized by a U.S. Holder will be a long-term capital loss if the U.S. Holder has held such Note for more than one year, and a short-term capital loss in other cases.
Information Reporting and Backup Withholding. Information returns may be required to be filed with the IRS relating to payments made to a particular U.S. Holder of Notes. In addition, U.S. Holders may be subject to backup withholding tax on such payments if they do not provide their taxpayer identification numbers in the manner required, fail to certify that they are not subject to backup withholding tax, or otherwise fail to comply with applicable backup withholding tax rules. U.S. Holders may also be subject to information reporting and backup withholding tax with respect to the proceeds from a sale, exchange, retirement or other taxable disposition of the Notes.The dollar amounts quoted in the prospectus are based on a principal investment of $1,000. My principal investment was $20,000, so we have to multiply everything by a factor of 20. The 2012 number is off because I only held the shares for approximately half the year. In total, I held the shares for about 47 months at 4% annual interest.According to my 1099s from each respective year, this was the amount of reportable, taxable, phantom OID income reported to the IRS, and on which tax was (or will be) paid:2008 - $475.94
2009 - $1147.50
2010 - $1167.50
2011 - $1188.65
2012 - $616.04TOTAL REPORTABLE TAXABLE INCOME: $4595.63Below, I've listed the amounts of actual physical money I received in interest that is non-reportable to the IRS:2008 - $0
2009 - $800
2010 - $800
2011 - $800
2012 - $744.44TOTAL ACTUAL INTEREST RECEIVED IN PHYSICAL MONEY: $3144.44DIFFERENCE (-$1451.19)Questions: (1) According to the first bolded paragraph that states there will be a payout of $1095.20 at maturity, am I correct in interpreting that figure is used for tax purposes only, since that's the amount that would be required to match the 5.62% annual (phantom) interest on which the comparable yield is based? What this means I think, is there won't actually be a payment of $1095.20 unless the face value of the note dicates such a payment? In other words, $1000 of the $1095.20 is a return of principal, while the other $95.20 is an estimate of an increase in value of the principal at maturity?(2) Next, it is my understanding that at some point, I will be entitled to claim a deduction or capital loss of $1451.19, which I expected would be reflected in the 2012 1099 I received from the institution housing the account in which these shares resided. That is not the case. Is this because the note has not yet matured?(3) Is the financial institution ever going to issue any kind of 1099 reflecting this loss? If not, how do I go about claiming this $1451.19 deduction or loss? Do I have to simply claim it and attach a note to my 1040 explaining it? Should I claim it in 2012 (when I disposed of my shares) or wait until 2013 (when the note finally matures)? Is it a deduction against ordinary income or a capital loss?
Taxation of Interest. A U.S. Holder of a Note will recognize income (or loss) on a Note in accordance with the Contingent Debt Regulations. The Contingent Debt Regulations require the application of a noncontingent bond method to determine accruals of income, gain, loss and deductions with respect to a contingent debt obligation. As described in more detail in the second and third succeeding paragraphs, under the noncontingent bond method, a U.S. Holder of a Note will be required for tax purposes to include in income each year an accrual of interest at the annual computational rate of 5.62%, compounded semi-annually (the comparable yield). The comparable yield is based on a rate at which Citigroup Funding could issue a fixed rate debt instrument with terms comparable to those of the Notes and no contingent payments. In addition, solely for purposes of determining the comparable yield pursuant to the Contingent Debt Regulations, a U.S. Holder of a Note will be assumed to be entitled to receive, in respect of each Note, annual coupon payments of US$40.00 on July 30, of 2009, 2010, 2011, 2012, and 2013, and a payment of US$1095.20 at maturity (the Projected Payment Amount). The Projected Payment Amount is calculated as the amount required to produce the comparable yield, taking into account the Notes issue price, and any non-contingent payments to be made on the note prior to maturity.
The comparable yield and the Projected Payment Amount are used to determine accruals of interest FOR TAX PURPOSES ONLY and are not assurances or predictions by Citigroup Funding with respect to the actual yield of or payment to be made in respect of a Note. The comparable yield and the Projected Payment Amount do not necessarily represent Citigroup Fundings expectations regarding such yield or the amount of such payment.
Each note will be issued at par. However, there will be original issue discount for U.S. federal income tax purposes (Tax OID) because a U.S. Holder must accrue income at the comparable yield. Under the Tax OID rules of the Internal Revenue Code of 1986, as amended (the Code), and the Treasury regulations promulgated thereunder, a U.S. Holder of a Note, whether such holder uses the cash or the accrual method of tax accounting, will be required to include as ordinary interest income the sum of the daily portions of Tax OID on the Note for all days during the taxable year that the U.S. Holder owns the Note. As a result, U.S. Holders of Notes, including U.S. Holders that employ the cash method of tax accounting, will be required to include amounts in respect of Tax OID accruing on Notes in taxable income each year regardless of whether holders receive more, less or no payments on the Notes in tax years prior to maturity. The Tax OID amounts for 2009, 2010, 2011, 2012, and 2013 take into account the payment of the annual coupons on July 30, of 2009, 2010, 2011, 2012 and 2013 respectively. Accordingly, U.S. Holders should report only the Tax OID for 2009, 2010, 2011, 2012, and 2013, and should not also include any separate amount in income as a result of the annual coupon payments.
The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).
Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.
If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.
The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).
Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.
If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.
U.S. Holders should be aware that the information statements they receive from their brokers (on an Internal Revenue Service Form 1099) stating accrued original issue discount in respect of the Notes may not take net negative or positive adjustments into account, and thus may overstate or understate the holders interest inclusions.
Disposition of the Notes. When a U.S. Holder sells, exchanges or otherwise disposes of the Note (including upon repayment of the Note at maturity) (a disposition), the U.S. Holders gain (or loss) on such disposition will equal the difference between the amount received by the U.S. Holder for the Note and the U.S. Holders tax basis in the Note. A U.S. Holders tax basis (i.e., adjusted cost) in a Note will be equal to the U.S. Holders original purchase price for such Note, plus any Tax OID accrued by the U.S. Holder and less the amount of any payments received by the holder while holding the Note.
If the amount received on the Note at maturity exceeds the Projected Payment Amount, the U.S. Holder will be required to include any such excess in income as ordinary income. Alternatively, if the amount received at maturity is less than the Projected Payment Amount, the difference between the Projected Payment Amount and the amount received at maturity will be treated as an offset to any interest otherwise includible in income by the U.S. Holder with respect to the Note for the taxable year in which maturity occurs, but only to the extent of the amount of such includible interest. Any remaining portion of such shortfall may be recognized and deducted by the U.S. Holder as an ordinary loss to the extent of the U.S. Holders previous Tax OID inclusions with respect to the Note.
On a disposition of a Note other than repayment of a Note at maturity, any gain realized by a U.S. Holder will be treated as ordinary interest income. Any loss realized by a U.S. Holder on a disposition will be treated as an ordinary loss to the extent of the U.S. Holders Tax OID inclusions with respect to the Note up to the date of disposition. Any loss realized in excess of such amount generally will be treated as a capital loss. An individual U.S. Holder generally will be allowed a deduction for any ordinary loss without regard to the two-percent miscellaneous itemized deduction rule of Section 67 of the Code. Any capital loss recognized by a U.S. Holder will be a long-term capital loss if the U.S. Holder has held such Note for more than one year, and a short-term capital loss in other cases.
Information Reporting and Backup Withholding. Information returns may be required to be filed with the IRS relating to payments made to a particular U.S. Holder of Notes. In addition, U.S. Holders may be subject to backup withholding tax on such payments if they do not provide their taxpayer identification numbers in the manner required, fail to certify that they are not subject to backup withholding tax, or otherwise fail to comply with applicable backup withholding tax rules. U.S. Holders may also be subject to information reporting and backup withholding tax with respect to the proceeds from a sale, exchange, retirement or other taxable disposition of the Notes.The dollar amounts quoted in the prospectus are based on a principal investment of $1,000. My principal investment was $20,000, so we have to multiply everything by a factor of 20. The 2012 number is off because I only held the shares for approximately half the year. In total, I held the shares for about 47 months at 4% annual interest.According to my 1099s from each respective year, this was the amount of reportable, taxable, phantom OID income reported to the IRS, and on which tax was (or will be) paid:2008 - $475.94
2009 - $1147.50
2010 - $1167.50
2011 - $1188.65
2012 - $616.04TOTAL REPORTABLE TAXABLE INCOME: $4595.63Below, I've listed the amounts of actual physical money I received in interest that is non-reportable to the IRS:2008 - $0
2009 - $800
2010 - $800
2011 - $800
2012 - $744.44TOTAL ACTUAL INTEREST RECEIVED IN PHYSICAL MONEY: $3144.44DIFFERENCE (-$1451.19)Questions: (1) According to the first bolded paragraph that states there will be a payout of $1095.20 at maturity, am I correct in interpreting that figure is used for tax purposes only, since that's the amount that would be required to match the 5.62% annual (phantom) interest on which the comparable yield is based? What this means I think, is there won't actually be a payment of $1095.20 unless the face value of the note dicates such a payment? In other words, $1000 of the $1095.20 is a return of principal, while the other $95.20 is an estimate of an increase in value of the principal at maturity?(2) Next, it is my understanding that at some point, I will be entitled to claim a deduction or capital loss of $1451.19, which I expected would be reflected in the 2012 1099 I received from the institution housing the account in which these shares resided. That is not the case. Is this because the note has not yet matured?(3) Is the financial institution ever going to issue any kind of 1099 reflecting this loss? If not, how do I go about claiming this $1451.19 deduction or loss? Do I have to simply claim it and attach a note to my 1040 explaining it? Should I claim it in 2012 (when I disposed of my shares) or wait until 2013 (when the note finally matures)? Is it a deduction against ordinary income or a capital loss?
As always, only guaranteed FREE at time of posting. All have 4-5 stars, Hope to have a variety of genres, and a mix of new and old for you to enjoy. Feel free to add any you find please!The Fallen Star (Fallen Star Series Book 1) [Kindle Edition] (YA)
http://www.amazon.com/Fallen-Star-Series-Book-ebook/dp/B004W0COE...
Pub. 9/11/12For eighteen year-old Gemma, life has never been normal. Up until recently, she has been incapable of feeling emotion. And when shes around Alex, the gorgeous new guy at school, she can feel electricity that makes her skin buzz. Not to mention the monsters that haunt her nightmares have crossed over into real-life. But with Alex seeming to hate her and secrets popping up everywhere, Gemmas life is turning into a chaotic mess. Things that shouldnt be real suddenly seem to exist. And as her world falls apart, figuring out the secrets of her past becomes a matter of life and death.
===========================================Alone: The Girl in the Box, Book 1 [Kindle Edition] (YA)
http://www.amazon.com/Alone-The-Girl-Book-ebook/dp/B007T9GY46/re...
Pub. 4/10/12Sienna Nealon was a 17 year-old girl who had been held prisoner in her own house by her mother for twelve years. Then one day her mother vanished, and Sienna woke up to find two strange men in her home. On the run, unsure of who to turn to and discovering she possesses mysterious powers, Sienna finds herself pursued by a shadowy agency known as the Directorate and hunted by a vicious, bloodthirsty psychopath named Wolfe, each of which is determined to capture her for their own purposes...
=================================================Where Are the Dinos? (children)
http://www.amazon.com/Where-Are-the-Dinos-ebook/dp/B00C3O6T2Y/re...
Pub. 3/28/13This picture ebook title features vivid, full-color layouts with Kindle Text Pop-Up★★★
A day at the zoo is not complete without visiting the dinosaurs, right?
But, hey.where are they?I wonder why, I wonder how
Where are all the dinos now?Boys and girls will delight in this fast-paced rhyming adventure chock-full of hilarious questions from a very persistent young visitor at the zoo.What do dinos find in shops?
Polka-dot tricera-tops?The laughs keep coming in this charming adventure full of dino-mite humor and fun. It's the perfect good time read that kids will enjoy reading over and over again.
-------------------------------------A to Z of Silly Animals - The Best Selling Illustrated Children's Book for All Ages by Sprogling (children)
http://www.amazon.com/Silly-Animals-Illustrated-Childrens-ebook/...
Pub. 3/6/13A wonderfully silly A to Z picture book of ridiculous mythical animals. The charming, original illustrations and witty captions are sure to delight children of all ages as well as parents.Enjoy the A to Z of Silly Animals with your child today!
===================================================Seven Days From Sunday (An MP-5 CIA Thriller, Book 1) [Kindle Edition]
http://www.amazon.com/Seven-Days-Sunday-Thriller-ebook/dp/B00359...
Pub. 1/19/10#1 Amazon KINDLE BESTSELLER IN "MYSTERIES & THRILLERS" #1 Amazon KINDLE BESTSELLER IN "SPY STORIES & TALES OF INTRIGUE" In this fast paced thriller, Iraq's top terrorist makes two promises - a kidnapped American contractor will be executed on a given date, his body dumped in Baghdad's Green Zone and a major attack will occur in seven days. Working desperately to find the American and thwart the impending attack is an elite 4-man CIA team which includes an attractive female doctor. But they can only watch helplessly as the terrorist and his masked henchmen behead the American during a live video feed carried on the Internet. What they don't know is that one of the masked men is not a terrorist, but completely innocent. He is an Iraqi pharmacist who has infiltrated the group. His only objective - to find his missing fiance, who the terrorist has also kidnapped. After the beheading, he is free to go. But little does he know that his fiance will bring the deceased American's head to the Green Zone, and inside the dead man's mouth is evidence linking him to the terrorist.This is the first novel in M.H. Sargent's popular MP-5 CIA series. The other novels include The Shot To Die For, Operation Spider Web, The Yemen Connection, Alliance of Evil and The Birdwatchers. Sargent has also written a murder mystery set during WWII, Toward Night's End.***Includes bonus excerpt from Sargent's next book, The Shot To Die For***
==================================================Night of the Assassin (Assassin series) [Kindle Edition]
http://www.amazon.com/Night-Assassin-ebook/dp/B006M5L5JC/ref=sr_...
Pub. 9/19/12Night of the Assassin is the second book in the Assassin series, and is the gritty, edge-of-your seat prequel to King of Swords. A no-holds-barred, breakneck-paced thriller, Night charts the early years of El Rey - known as the King of Swords - a super-assassin responsible for some of the world's most spectacular and daring executions.Framed against the backdrop of present-day Mexico's brutal narco-trafficking violence, Night of the Assassin chronicles the making of a monster - a cold-blooded, ruthless killing machine. Raw, disturbing, edgy and unflinching, this epic saga defies convention to create a roller-coaster of intrigue, suspense and thrills that will leave even the most jaded thriller aficionados gasping for breath.Best if read after King of Swords, Night was written to provide background on El Rey, with the assumption that the reader is already familiar with the events in King of Swords===========================================================
The Book of Sight [Kindle Edition]
http://www.amazon.com/The-Book-of-Sight-ebook/dp/B00BZWWJI8/ref=...
Pub. 3/22/13Book One in The Book of Sight SeriesA book can be a wonderful gift.When Alex received an unexpected package, she never dreamed the book it contained
would change her life forever. After all, the words inside were gibberish.She had no idea the places that book would take her, the friends that book would help her
make or the wonders that book would reveal.She had no clue the trouble that book would bring, either.A book can be a dangerous gift.
==================================================MAINTENANCE MAN II [Kindle Edition]
http://www.amazon.com/MAINTENANCE-MAN-II-ebook/dp/B008257Q4I/ref...
Pub. 5/10/12MAINTENANCE MAN II
MONEY, POLITICS AND SEX...EVERYONE HAS A PRICEIn Maintenance Man II: Money, Politics and SexEveryone Has A Price Baisden builds upon the saga of his former main character, Malcolm Tremell, a gigolo who first came to life in Baisdens 1999 release The Maintenance Man. The Maintenance Man saw the author gain notoriety for unapologetically disclosing the lifestyle of a man who rendezvoused for pay with married women. The original Maintenance Man followed a litany of releases, including Men Cry In The Dark, Gods Gift To Women, Do Men Know What They Want and solidified his stance as one of the most successful self-published male authors on the literary scene. With Maintenance Man II, Baisden broadens the storyline as Tremell comes out of retirement to not only rebuild his contact list of high-end female clientele, but also franchise a male escort service worldwide. Intrigue, drama and danger quickly come into play when Tremell liaisons with the wife of a powerful and corrupt Republican senator. When they unwittingly uncover the senators underhanded deal with the powerful Kross brothers for political control, Tremell will have to tap his military training and street smarts to not only save his life, but also those closest to him.Baisden, once again educates as he entertains, brilliantly engaging his readers. Utilizing Malcolm Tremell as the ultimate Renaissance man protagonist, he brazenly unveils several harsh and dark realities behind the current political process. He skillfully touches on some of the most critical political issues to date, including voter suppression as well as corporate greed, seamlessly interspersing them between a romantic and politically charged plot. The novels tone is captivating and inviting, whisking the reader into a non-stop escapade of sex, action and adventure.After years of being out of the gigolo lifestyle, Malcolm has to rebuild his list of contacts and high-end clientele. But he still has his good looks, his Rolodex, and his reputation. This time he vows that nothing will stand in his way of getting back on top and creating a franchise of escort services worldwide. He disguises his gigolo lifestyle as a nightclub owner in Miamithe perfect cover to mix business with pleasure.
=================================================What is Gluten Free Covering the A to Z of Gluten Free [Kindle Edition]
http://www.amazon.com/What-Gluten-Free-Covering-ebook/dp/B00A4FO...
Pub. 11/8/12What is Gluten Free is an easy to follow guide that will help you to understand the categories of gluten intolerance. The list of symptoms that are reported from people suffering from various forms of gluten intolerance is truly staggering. Another sad statistic is the amount of people that go undiagnosed from having one of the forms of the illness. What's more disheartening is that these people need only to go on a gluten free diet to virtually eliminate these nasty symptoms that are reeking havoc on their body systems.After covering the basics of what it means to be gluten free, you'll learn what it really takes to live day to day with gluten sensitivity or with Celiac disease. We'll cover the many foods and products that contain gluten and of course what foods are gluten free. You may be surprised to find out about some of the options that are now available for gluten free cooking in the home, as well as when we're on the go. With today's fast paced and often hectic schedule, many people simply don't have time to plan and cook gluten free meals everyday of the week. So when your on the go, you will learn how to find gluten free restaurants and when that isn't an option, you'll learn what to do when you don't have a gluten free menu. Traveling on vacation, or on holiday are covered too.Many people think that living a gluten free lifestyle is a huge expense that will severely impact your budget. We've got two chapters devoted to this topic alone. Learn the tips and tricks to saving money when you go out to buy gluten free products. We'll also share a very unique way to save real dollars that will add up quickly, thus making living gluten free easier than you ever thought possible.Other questions answered in 'What is Gluten Free' eBook...Are there health benefits to living gluten free?
If I'm not gluten intolerant, is a gluten free diet bad for me?
What are the triggers that might cause a person to have Celiac disease or gluten sensitivity?
Why is Celiac disease or gluten intolerance often misdiagnosed?This publication is a must read for anyone who is interested in maintaining good overall health and well being.
--------------------------------------------The Diet Dropout's Guide to Natural Weight Loss: Find Your Easiest Path to Naturally Thin
http://www.amazon.com/Dropouts-Guide-Natural-Weight-ebook/dp/B00...
Pub. 1/1/13This book isn't about the latest celebrity diet, wonder food, or miracle supplement. It's about creating a personalized weight loss planyour own easiest path to naturally thin. While you can lose weight with almost any diet, keeping the weight off is much more difficult, requiring permanent changes in eating and exercise habits. This book provides a science-based approach for making those changes in a way that works best for you, without wasting time, money, or effort.Dr. Spencer explains why we gain weight and why the fat lost by dieting almost always comes back. He then presents an array of practical weight loss tools for controlling emotional eating, calming cravings, boosting metabolism, and improving nutrition and exercise. In the final chapter he has you create a natural weight loss plan based on your unique set of needs, abilities, and preferences. Simple recipes are provided for weight loss foods that reduce cravings and prolong satisfaction. What this book offers is a solid approach to weight lossself-directed, gradual, and lastingin contrast to the quick but fleeting weight loss offered by most one-size-fits-all diet plans.
========================================================5-Minute Miracle Exercises: Lose 5 Pounds in 2 Weeks - Only 5 Minutes a Day! (w/extras if you have a Kindle fire
http://www.amazon.com/5-Minute-Miracle-Exercises-Minutes-ebook/d...
Pub. 6/21/11Newly Updated & Expanded for 2013 - 12 FREE Bonus Reports Included! If you would like to lose a solid 5 pounds in the next two weeks while exercising just 5 minutes per day (and without changing your diet), then this book by Jennifer Jolan will show you how.The book is here and entitled: "5-Minute Miracle Exercises"And it contains two secret exercises (you will probably never see any of today's "fitness gurus" talk about) that promote quick fat loss even if you don't change a thing about your current diet.
--------------------------------------------------The Truth About Butterflies: A Memoir [Kindle Edition]
http://www.amazon.com/The-Truth-About-Butterflies-ebook/dp/B005F...
Pub. 8/2/11They belong to each other, Nancy and Nicole--mother and daughter. They're two halves of a whole, two facets of the same breath--until the day Nicole exhales. . . and never inhales again. After the death of her daughter, and quickly losing her own battle with grief, Nancy decides to move from the house she can no longer bear to live in. While packing, she comes across a box in the attic. Inside this box, Nancy uncovers treasures she didn't know existed and evidence that her and her daughter's lives had been more divinely entwined than she could've imagined.The Truth About Butterflies is a true story of grief, hope, and transformation, and a single enduring truth: Life cannot be restrained by death.
==================================================Harriet Tubman - The Moses of Her People [Illustrated]
http://www.amazon.com/Harriet-Tubman-People-Illustrated-ebook/dp...
Pub. 10/25/08Harriet Tubman was an African-American abolitionist, humanitarian, and Union spy during the U.S. Civil War. After escaping from captivity, she made thirteen missions to rescue over seventy slaves using the network of antislavery activists and safe houses known as the Underground Railroad. She later helped John Brown recruit men for his raid on Harpers Ferry, and in the post-war era struggled for women's suffrage.Born into slavery in Dorchester County, Maryland, Tubman was beaten and whipped by her various owners as a child. Early in her life, she suffered a traumatic head wound when an irate slave owner threw a heavy metal weight at her, intending to hit another slave. The injury caused disabling seizures, headaches, and powerful visionary and dream activity, and spells of hypersomnia which occurred throughout her entire life. A devout Christian, she ascribed her visions and vivid dreams to premonitions from God.In 1849, Tubman escaped to Philadelphia, then immediately returned to Maryland to rescue her family. Slowly, one group at a time, she brought relatives with her out of the state, and eventually guided dozens of other slaves to freedom. Traveling by night and in extreme secrecy, Tubman (or "Moses", as she was called) "never lost a passenger". Heavy rewards were offered for many of the people she helped bring away, but no one ever knew it was Harriet Tubman who was helping them. When a far-reaching United States Fugitive Slave Law was passed in 1850, she helped guide fugitives further north into Canada, and helped newly-freed slaves find work.
======================================================Hugh Young's Ten Golden Rules of Equity Investing [Kindle Edition]
http://www.amazon.com/Youngs-Golden-Equity-Investing-ebook/dp/B0...
Pub. 12/14/12Hugh Young is a star fund manager at Aberdeen Asset Management, with over 25 years' experience and a dazzling record of returns. He has marshalled Aberdeen portfolios through numerous market cycles, and in this eBook reveals the secrets of his success, accompanied by the witty illustrations of cartoonist Fran Orford.--------------------------------------------------------------------------------Tales of the Revolution: True Stories of People who are Poking the Box and Making a Difference [Kindle Edition]
http://www.amazon.com/Tales-Revolution-Stories-Difference-ebook/...
Pub. 4/19/11Early in March, The Domino Project published Seth Godins Poke the Box. We Immediately received stories about people taking initiative in their own lives - doing things differently at work or with their families, taking initiative in places they were scared to. Prompted by the number of inspiring stories we received, we launched Tales of the Revolution, profiling examples of passionate self-starters who regularly went above and beyond to make a difference by doing. This free Kindle edition is a sampling of the hundreds of stories we received. Each one could be just the right inspiration for you to keep poking.
=======================================================Blogging Made Simple: Powerful Strategies For Blogging Success! [Kindle Edition]
http://www.amazon.com/Blogging-Made-Simple-Strategies-ebook/dp/B...
Pib/ 4/12/12Blogging Made Simple is a powerful blogging guide. Learn from two of today's best known bloggers who have built high-traffic blogs that support multiple streams of income and a growing list of avid followers. In Blogging Made Simple: Powerful Strategies For Blogging Success, you'll learn the fundamentals of starting your own blog as well as step-by-step instructions on how to develop engaging content, build a growing list of blog followers, effective strategies for monetizing your blog, and little-known strategies for getting your blog ranked #1 on leading search engines. Co-authors Michael H. Fleischner and Justin Fried have been blogging for well over a decade and launched many successful blogs (ex: The Marketing Blog) that reach more than 10,000 followers. If you want to achieve blogging success - creating a popular blog that allows you to position yourself as a leading authority in your niche and drives residual income while you sleep, then don't miss out on this one-of-a-kind blogging resource! In this guide you'll learn powerful blogging secrets including:
--How to start your very own personal or professional blog for FREE
--Strategies for taking a casual blog and turning it into a money-making machine
--How to select a blogging platform that meets your blogging goals: WordPress, Blogger, Tumblr
--Powerful techniques for developing engaging content for your blog on a daily, weekly, and monthly basis
--Outsourcing strategies that allow your blog to run on autopilot even while you sleep
--Optimization secrets that propel your blog to the top of Google, Yahoo!, and Bing
--Proven monetization strategies that provide multiple streams of income
--Promotional techniques that send tons of hungry visitors to your blog again and again
--And much, much more
========================================================WordPress Websites Step-by-Step - The Complete Beginner's Guide to Creating a Website or Blog With WordPress [Kindle Edition]
http://www.amazon.com/WordPress-Websites-Step---Step-ebook/dp/B0...
Pub. 1/4/13Have you ever wanted to create a website but found it too complicated or confusing?
WordPress is the single most popular way to create a website or blog. It's used by Fortune 500 companies, small businesses, authors, photographers, bloggers and non-profits to build a professional websites easily.You can do the same - and you don't need to be a computer expert or web geek.What you'll learn in WordPress Step-by-Step:
How to choose a great domain name and get good value, reliable web hosting
How to install WordPress in a few mouse clicks
How to publish posts and pages with correctly formatted text
How to give your website a professional touch by using images and videos
How to customize your web design without needing to be a programmer
How to extend your site even further with "plugins"
How to use Search Engine Optimization to get found by Google
How to keep your website secure
How to solve the most common WordPress problems
...and lots more.There's also a bonus chapter on getting the first visitors to your site, along with additional video tutorials by the author. Plus, the book is packed with links to additional resources and free design themes and plugins to help you build a website on a budget.Clear explanations and over 55 images of the admin screens and tools mean you can see exactly how to do everything. No more head-scratching or frustration!After reading this book you'll have a unique, professional and easy-to-use website to be proud of - and you'll have created it yourself! Whether you want to build a simple website for your company or organization, make money with a blog or a full online store, this non-geek guide will get you online quickly - saving you time and frustration.
========================================================Asian Recipes - 50 Tasty & Easy Made Unique Exotic Recipes (With Images Of Each Dish And Chef's Note) [Kindle Edition]
http://www.amazon.com/Asian-Recipes-Unique-Exotic-ebook/dp/B0087...
Pub. 5/28/12Asian food is a multi-faceted and diverse as European food. While neighboring countries share some common ingredients and cooking styles, Asian countries have developed cuisines that are uniquely their own. Sampling the food of each is truly an adventure.Each country has its own food history much influenced by its culture, religion and past. Vietnamese food for example, retains the flavors of centuries of French occupation. The food in Philippines has the taste of Spanish and American accents while in Malaysia and Indonesia which are Muslim countries, pork meals are almost completely eliminated off the menu.Many of these recipes were guarded as important family secrets and carefully passed down from one generation to another. Asian cooking has enormous potential in modern times, as Asian food chains are springing up all over the world very rapidly, whilst enjoying immense popularity.In this appetizing book, you will find an inspiration not only for your daily dishes, but for almost every occasion which calls for something savory - Asian style/dish/cuisine. All the recipes included in this book are considered classics, and have proven so popular over the past years. Every single recipe has been tested time and again, both by me and by hundreds of my cooking students.The recipes have been divided by Asian regions. Each chapter contains top recipes which will help you find exactly what you are looking for.They are all authentic and thoroughly tried and tested. By following simple, clear and straightforward instructions, you will find a recipe that will suit your needs and wants to the littlest details. Most of the recipes use basic cooking techniques which can be prepared with only a few pots and utensils.This recipe book will help you cook Asian food with confidence and pleasure that you thought you could not make in your own kitchen. More importantly, it will provide you with all the answers to the problem of ''What shall we have for breakfast, lunch or dinner?'' and you will discover that Asian cooking is so rewarding and fun. So, this book contains The Best Traditional Asian Recipes for you to make and enjoy at home. You will discover that Asian cooking is so rewarding and fun and also there are 50 mouth-watering recipes accompanied with dish images for you to savor from 10 different countries.
========================================================Homemade Ice Cream Recipes - 35 Easy Recipe for Ice Cream [Kindle Edition]
http://www.amazon.com/Homemade-Ice-Cream-Recipes-ebook/dp/B008M9...
Pub. 7/16/12The 35 Easy Ice Cream Recipes contains ice cream recipes to fill your summer days and are the perfect accompaniment to a hot day. Ice cream is always a popular dessert at any time; birthdays, holidays and any special celebration days. Making homemade ice cream is very fun and don't worry if you are new to making ice cream, I have included information needed in order to get you started.
================================================Ultimate Vegetarian Recipes From BeWellBuzz: Delicious And Nutritious Meals That Buzz With Taste And Vitality
http://www.amazon.com/Ultimate-Vegetarian-Recipes-BeWellBuzz-ebo...
Pub. 3/25/13Whats With All Of The Buzz About This New Vegetarian Recipe Collection?If youre a fan of "Forks Over Knives," have devoured The "China Study" or consider yourself a "Happy Herbivore," then you are going to love this new collection of vegetarian recipes from renown health experts Larry and Oksana Oz from the popular "Be Well Buzz" natural health website and community.
Unfortunately, many other vegetarian recipe books are packed with unhealthy foodstuffs that fall short of optimum nutrition says co-author Larry Oz (pictured on the left)...So weve compiled some of our favorite vegetarian dishes and used only whole foods and ingredients proven to promote health heal the body.Whether youre vegetarian, vegan, or lacto-ovo, youll find sensational recipes that youll enjoy alone or with friends, who will wonder how you made such an amazing meal!In addition to a handy ingredient-substitution guide to make any vegetarian recipe healthy, Larry and Oksana show you what foods to avoid at all costs, even if you thought you were eating healthy before.Then youll discover over 40 amazing and delicious vegetarian recipes:
*Appetizers
*Side Dishes
*Stews
*Soups
*Stir Fry
*Veggie Fajitas
*Casseroles
*And Tasty Toppings*EXCLUSIVE KINDLE BONUS INSIDE = Readers will also get a free video training revealing the 6 Blood Tests Your Doctor May Refuse To Give You (And Why) Which May Save Your Life Or Restore Your Health included exclusively inside your Kindle purchase.
=======================================Starcraft: Kerrigan - Hope and Vengeance #0 [Kindle Edition] (dc comics Graphic novel)
http://www.amazon.com/Starcraft-Kerrigan-Hope-Vengeance-ebook/dp...
Pub. 3/6/13No single human being has been more inseparably tied to the twisted destinies of the terran, protoss, and zerg races than Sarah Kerrigan. She has risen from the ranks of soldier and rebel to become the unstoppable Queen of Blades, supreme ruler over a race of bloodthirsty aliens. But now she has fallen from her seat of power and been taken in by those who wish to separate the woman from the monster--a task which may be more difficult than it was to dethrone her.Take a look inside the mind of one of the greatest villains in gaming history and prepare yourself for StarCraft 2: Heart of the Swarm with this explosive new comic from Blizzard Entertainment, Kerrigan: Hope and Vengeance.
=====================================================Bonded (Prequel to The Mating) [Kindle Edition]
http://www.amazon.com/Bonded-Prequel-The-Mating-ebook/dp/B00BT0J...
Pub.
Renos a tough Enforcer for Lycan Link who finds himself drawn to Brandi but duty rules his life. Brandi, just on the edge of starting her career as a Disaster Control officer, falls for Reno at first sight, but are they really meant to be? Is it love or lust and does it really even matter? Enforcers and DCs don't get along...unless fate forces them to. Bonded precedes The Mating.========================================================
The Keeping (Sequel to The Mating) [Kindle Edition]
http://www.amazon.com/The-Keeping-Sequel-Mating-ebook/dp/B00BTID...
Pub. 3/12/13// Ryne Taylor was a sexy bad-ass Alpha set on establishing a new pack. Melody Greene was a journalism student researching his work as a photographeror so she said. But could Mel really be trusted or had she stumbled upon his secret? And if she knew, could Ryne save himself and the pack hed left behind without enacting a deadly ancient law known as The Keeping? Sequel to The Mating.
=========================================================A Cold Day for Murder (Kate Shugak #1 by dana Stabenow)
http://www.amazon.com/Cold-Murder-Kate-Shugak-ebook/dp/B004S87M9...
Pub. 3/15/11Somewhere in the hinterlands of Alaska, among the millions of sprawling acres that comprise The Park, a young National Park Ranger has gone missing. When the detective sent after him also vanishes, the Anchorage DAs department must turn to their reluctant former investigator, Kate Shugak. Shugak knows The Park because shes of The Park, an Aleut who left her home village of Niniltna to pursue education, a career, and the righting of wrongs. Kates search for the missing men will take her from self-imposed exile back to a life shed left behind, and face-to-face with people and problems she'd hoped never to confront again. The first novel in the popular Kate Shugak Series, A Cold Day for Murder established Dana Stabenow as a new voice in Alaskan mystery writing, and earned her an Edgar Award.
=============================================================ARG...I'm having problems formatting this a.m., and the info on this one disappeared - I'll try to hunt it down again, but if you do, that's great too - You'll see the difference in the mirror by the 2nd week (losing AT LEAST 5 pounds -- if not more -- of fat).All with two (really simple) exercises and without leaving your home (you can even do these exercises during TV commercials, if you choose).
Here are some of the benefits of this "miracle" exercise program:No equipment necessary (they're free!)No long, grueling workouts to fit into your day (again, you can do them during TV commercials if you want)
No tedious jogging, "power walking" or treadmills needed. Can be done at any time you want (whenever is convenient for you!)
Works fast -- see results in the mirror in as little as 2 weeks or less
Burns fat instead of muscle (most "cardio" burns muscle -- which is why long distance runners have a sickly, "stringy" look to them)Scientifically proven to work for all kinds of women, with all kinds of body types and metabolisms
Gives you a flat tummy and a tight, sexy "J-Lo" butt
Go at your own pace (100% safe!)
The benefits of these two exercises are incredible -- they're fast, they're simple and they sculpt your body like no other exercises can, and in a fraction of the time. The exercises are simple, but not necessarily "easy." They only take 5 minutes per day and you don't have to change your diet at all.2 FREE BONUS REPORTS INCLUDED IN THE KINDLE FILE:Natural Detox - 8 Cheap Ways to Detox and Cleanse Your Body
15 Healthy Snacks for Weight Loss
10 Additional FREE Bonus Reports at a Special Link on the Last Page of the
Kindle File:
1.How to Lose Weight Spinning in a Circle like Kids
2.The 20-Second Bathroom Trick for a Super-Charged Metabolism and a Flood of Energy
3.One Tablespoon of this $6 Supplement Detoxes 900 Yards of Toxins from Your Body
4.Do-It-Yourself Face-Lift: How to Look 5 Years Younger in 2 Weeks - Got 5 Minutes a Day?
5.The 50-Cent Miracle Weight Loss Food You're Not Eating
6.#1 Cheap Supplement that Reverses Gray Hair & Infuses Health into Your Body
7.How to Get Rid of Allergies in 90 Seconds with Water
8.The Ultimate 3-Second Fountain of Youth "Neural" Fat Loss Exercise
9.The 15-Second "T-Tap" for Overcoming Hypothyroidism & Sluggish Energy
10. How to Make Healthy Ice Cream in 2 Minutes and Other Sweet Surprises!=======================================================Invisible [Kindle Edition] (YA)
http://www.amazon.com/Invisible-ebook/dp/B00BEQZBYE/ref=sr_1_13?...
Pub. 2/11/13Jazmine Crawford doesnt make decisions. She doesnt make choices. She doesnt make friends. Jazmine Crawford only wants one thing: to be invisible. For Jazmine, its a lot easier to take out her hearing aid and drift along pretending that nothings wrong than it is to admit that shes heartbroken about her dad dying. Shes been drifting and ignoring her over-worried mum for four years now.
When bad girl Shalini and her mates adopt Jazmine, she quickly finds herself involved in more than she can handle. Sitting in disgrace in the principals office, Jazmine is offered a choice: help drama teacher Miss Fraser in the upcoming production of The Secret Garden or face a four week suspension.
Its Miss Fraser who clinches the decision. I believe in you Jazmine, she says. I know you can do this. And Jazmine, terrified, disbelieving and elated all at the same time, joins the play.
For a while its all good. Drama star and chocolate lover Liam is friendly and Jazmine realises that making friends, talking to her mother and feeling her emotions isnt as scary as she thought. In a final happy twist of fate, acting diva Angela quits the play and with only a week to go, Miss Fraser asks Jazmine to take on the main role of Mary.
But then Shalini returns from her suspension. Shes out for payback, and she has just the ammunition she needs to force Jazmine to quit the play and go back to her old ways.
Will Jazmine be confident enough to stand up for herself against Shalini? Will Liam still like her if he finds out who she really is? And does she have the strength to face the truth about her fathers suicide?
===========================================Betrayed: Days of the Rogue [Kindle Edition]
http://www.amazon.com/Betrayed-Days-Rogue-ebook/dp/B00BSX4U04/re...
Pub. 3.11.13His mate killed in a horrific explosion, ex-Enforcer Damien Masterson now lives as a rogue werewolf. Grief stricken and filled with rage, what depths will he sink to in his search for revenge? And who will be caught in the crossfire? Will it be Eve, a Fae just entering the Awakening stage? Or Rafe McRae, part empath and part wolf? Its been said that a rogue Enforcer is too dangerous to be allowed to roam. A suspense driven story of love, betrayal and revenge, this latest addition to the Law of the Lycans series is the sequel to Bonded.
===========================================================
http://www.amazon.com/Fallen-Star-Series-Book-ebook/dp/B004W0COE...
Pub. 9/11/12For eighteen year-old Gemma, life has never been normal. Up until recently, she has been incapable of feeling emotion. And when shes around Alex, the gorgeous new guy at school, she can feel electricity that makes her skin buzz. Not to mention the monsters that haunt her nightmares have crossed over into real-life. But with Alex seeming to hate her and secrets popping up everywhere, Gemmas life is turning into a chaotic mess. Things that shouldnt be real suddenly seem to exist. And as her world falls apart, figuring out the secrets of her past becomes a matter of life and death.
===========================================Alone: The Girl in the Box, Book 1 [Kindle Edition] (YA)
http://www.amazon.com/Alone-The-Girl-Book-ebook/dp/B007T9GY46/re...
Pub. 4/10/12Sienna Nealon was a 17 year-old girl who had been held prisoner in her own house by her mother for twelve years. Then one day her mother vanished, and Sienna woke up to find two strange men in her home. On the run, unsure of who to turn to and discovering she possesses mysterious powers, Sienna finds herself pursued by a shadowy agency known as the Directorate and hunted by a vicious, bloodthirsty psychopath named Wolfe, each of which is determined to capture her for their own purposes...
=================================================Where Are the Dinos? (children)
http://www.amazon.com/Where-Are-the-Dinos-ebook/dp/B00C3O6T2Y/re...
Pub. 3/28/13This picture ebook title features vivid, full-color layouts with Kindle Text Pop-Up★★★
A day at the zoo is not complete without visiting the dinosaurs, right?
But, hey.where are they?I wonder why, I wonder how
Where are all the dinos now?Boys and girls will delight in this fast-paced rhyming adventure chock-full of hilarious questions from a very persistent young visitor at the zoo.What do dinos find in shops?
Polka-dot tricera-tops?The laughs keep coming in this charming adventure full of dino-mite humor and fun. It's the perfect good time read that kids will enjoy reading over and over again.
-------------------------------------A to Z of Silly Animals - The Best Selling Illustrated Children's Book for All Ages by Sprogling (children)
http://www.amazon.com/Silly-Animals-Illustrated-Childrens-ebook/...
Pub. 3/6/13A wonderfully silly A to Z picture book of ridiculous mythical animals. The charming, original illustrations and witty captions are sure to delight children of all ages as well as parents.Enjoy the A to Z of Silly Animals with your child today!
===================================================Seven Days From Sunday (An MP-5 CIA Thriller, Book 1) [Kindle Edition]
http://www.amazon.com/Seven-Days-Sunday-Thriller-ebook/dp/B00359...
Pub. 1/19/10#1 Amazon KINDLE BESTSELLER IN "MYSTERIES & THRILLERS" #1 Amazon KINDLE BESTSELLER IN "SPY STORIES & TALES OF INTRIGUE" In this fast paced thriller, Iraq's top terrorist makes two promises - a kidnapped American contractor will be executed on a given date, his body dumped in Baghdad's Green Zone and a major attack will occur in seven days. Working desperately to find the American and thwart the impending attack is an elite 4-man CIA team which includes an attractive female doctor. But they can only watch helplessly as the terrorist and his masked henchmen behead the American during a live video feed carried on the Internet. What they don't know is that one of the masked men is not a terrorist, but completely innocent. He is an Iraqi pharmacist who has infiltrated the group. His only objective - to find his missing fiance, who the terrorist has also kidnapped. After the beheading, he is free to go. But little does he know that his fiance will bring the deceased American's head to the Green Zone, and inside the dead man's mouth is evidence linking him to the terrorist.This is the first novel in M.H. Sargent's popular MP-5 CIA series. The other novels include The Shot To Die For, Operation Spider Web, The Yemen Connection, Alliance of Evil and The Birdwatchers. Sargent has also written a murder mystery set during WWII, Toward Night's End.***Includes bonus excerpt from Sargent's next book, The Shot To Die For***
==================================================Night of the Assassin (Assassin series) [Kindle Edition]
http://www.amazon.com/Night-Assassin-ebook/dp/B006M5L5JC/ref=sr_...
Pub. 9/19/12Night of the Assassin is the second book in the Assassin series, and is the gritty, edge-of-your seat prequel to King of Swords. A no-holds-barred, breakneck-paced thriller, Night charts the early years of El Rey - known as the King of Swords - a super-assassin responsible for some of the world's most spectacular and daring executions.Framed against the backdrop of present-day Mexico's brutal narco-trafficking violence, Night of the Assassin chronicles the making of a monster - a cold-blooded, ruthless killing machine. Raw, disturbing, edgy and unflinching, this epic saga defies convention to create a roller-coaster of intrigue, suspense and thrills that will leave even the most jaded thriller aficionados gasping for breath.Best if read after King of Swords, Night was written to provide background on El Rey, with the assumption that the reader is already familiar with the events in King of Swords===========================================================
The Book of Sight [Kindle Edition]
http://www.amazon.com/The-Book-of-Sight-ebook/dp/B00BZWWJI8/ref=...
Pub. 3/22/13Book One in The Book of Sight SeriesA book can be a wonderful gift.When Alex received an unexpected package, she never dreamed the book it contained
would change her life forever. After all, the words inside were gibberish.She had no idea the places that book would take her, the friends that book would help her
make or the wonders that book would reveal.She had no clue the trouble that book would bring, either.A book can be a dangerous gift.
==================================================MAINTENANCE MAN II [Kindle Edition]
http://www.amazon.com/MAINTENANCE-MAN-II-ebook/dp/B008257Q4I/ref...
Pub. 5/10/12MAINTENANCE MAN II
MONEY, POLITICS AND SEX...EVERYONE HAS A PRICEIn Maintenance Man II: Money, Politics and SexEveryone Has A Price Baisden builds upon the saga of his former main character, Malcolm Tremell, a gigolo who first came to life in Baisdens 1999 release The Maintenance Man. The Maintenance Man saw the author gain notoriety for unapologetically disclosing the lifestyle of a man who rendezvoused for pay with married women. The original Maintenance Man followed a litany of releases, including Men Cry In The Dark, Gods Gift To Women, Do Men Know What They Want and solidified his stance as one of the most successful self-published male authors on the literary scene. With Maintenance Man II, Baisden broadens the storyline as Tremell comes out of retirement to not only rebuild his contact list of high-end female clientele, but also franchise a male escort service worldwide. Intrigue, drama and danger quickly come into play when Tremell liaisons with the wife of a powerful and corrupt Republican senator. When they unwittingly uncover the senators underhanded deal with the powerful Kross brothers for political control, Tremell will have to tap his military training and street smarts to not only save his life, but also those closest to him.Baisden, once again educates as he entertains, brilliantly engaging his readers. Utilizing Malcolm Tremell as the ultimate Renaissance man protagonist, he brazenly unveils several harsh and dark realities behind the current political process. He skillfully touches on some of the most critical political issues to date, including voter suppression as well as corporate greed, seamlessly interspersing them between a romantic and politically charged plot. The novels tone is captivating and inviting, whisking the reader into a non-stop escapade of sex, action and adventure.After years of being out of the gigolo lifestyle, Malcolm has to rebuild his list of contacts and high-end clientele. But he still has his good looks, his Rolodex, and his reputation. This time he vows that nothing will stand in his way of getting back on top and creating a franchise of escort services worldwide. He disguises his gigolo lifestyle as a nightclub owner in Miamithe perfect cover to mix business with pleasure.
=================================================What is Gluten Free Covering the A to Z of Gluten Free [Kindle Edition]
http://www.amazon.com/What-Gluten-Free-Covering-ebook/dp/B00A4FO...
Pub. 11/8/12What is Gluten Free is an easy to follow guide that will help you to understand the categories of gluten intolerance. The list of symptoms that are reported from people suffering from various forms of gluten intolerance is truly staggering. Another sad statistic is the amount of people that go undiagnosed from having one of the forms of the illness. What's more disheartening is that these people need only to go on a gluten free diet to virtually eliminate these nasty symptoms that are reeking havoc on their body systems.After covering the basics of what it means to be gluten free, you'll learn what it really takes to live day to day with gluten sensitivity or with Celiac disease. We'll cover the many foods and products that contain gluten and of course what foods are gluten free. You may be surprised to find out about some of the options that are now available for gluten free cooking in the home, as well as when we're on the go. With today's fast paced and often hectic schedule, many people simply don't have time to plan and cook gluten free meals everyday of the week. So when your on the go, you will learn how to find gluten free restaurants and when that isn't an option, you'll learn what to do when you don't have a gluten free menu. Traveling on vacation, or on holiday are covered too.Many people think that living a gluten free lifestyle is a huge expense that will severely impact your budget. We've got two chapters devoted to this topic alone. Learn the tips and tricks to saving money when you go out to buy gluten free products. We'll also share a very unique way to save real dollars that will add up quickly, thus making living gluten free easier than you ever thought possible.Other questions answered in 'What is Gluten Free' eBook...Are there health benefits to living gluten free?
If I'm not gluten intolerant, is a gluten free diet bad for me?
What are the triggers that might cause a person to have Celiac disease or gluten sensitivity?
Why is Celiac disease or gluten intolerance often misdiagnosed?This publication is a must read for anyone who is interested in maintaining good overall health and well being.
--------------------------------------------The Diet Dropout's Guide to Natural Weight Loss: Find Your Easiest Path to Naturally Thin
http://www.amazon.com/Dropouts-Guide-Natural-Weight-ebook/dp/B00...
Pub. 1/1/13This book isn't about the latest celebrity diet, wonder food, or miracle supplement. It's about creating a personalized weight loss planyour own easiest path to naturally thin. While you can lose weight with almost any diet, keeping the weight off is much more difficult, requiring permanent changes in eating and exercise habits. This book provides a science-based approach for making those changes in a way that works best for you, without wasting time, money, or effort.Dr. Spencer explains why we gain weight and why the fat lost by dieting almost always comes back. He then presents an array of practical weight loss tools for controlling emotional eating, calming cravings, boosting metabolism, and improving nutrition and exercise. In the final chapter he has you create a natural weight loss plan based on your unique set of needs, abilities, and preferences. Simple recipes are provided for weight loss foods that reduce cravings and prolong satisfaction. What this book offers is a solid approach to weight lossself-directed, gradual, and lastingin contrast to the quick but fleeting weight loss offered by most one-size-fits-all diet plans.
========================================================5-Minute Miracle Exercises: Lose 5 Pounds in 2 Weeks - Only 5 Minutes a Day! (w/extras if you have a Kindle fire
http://www.amazon.com/5-Minute-Miracle-Exercises-Minutes-ebook/d...
Pub. 6/21/11Newly Updated & Expanded for 2013 - 12 FREE Bonus Reports Included! If you would like to lose a solid 5 pounds in the next two weeks while exercising just 5 minutes per day (and without changing your diet), then this book by Jennifer Jolan will show you how.The book is here and entitled: "5-Minute Miracle Exercises"And it contains two secret exercises (you will probably never see any of today's "fitness gurus" talk about) that promote quick fat loss even if you don't change a thing about your current diet.
--------------------------------------------------The Truth About Butterflies: A Memoir [Kindle Edition]
http://www.amazon.com/The-Truth-About-Butterflies-ebook/dp/B005F...
Pub. 8/2/11They belong to each other, Nancy and Nicole--mother and daughter. They're two halves of a whole, two facets of the same breath--until the day Nicole exhales. . . and never inhales again. After the death of her daughter, and quickly losing her own battle with grief, Nancy decides to move from the house she can no longer bear to live in. While packing, she comes across a box in the attic. Inside this box, Nancy uncovers treasures she didn't know existed and evidence that her and her daughter's lives had been more divinely entwined than she could've imagined.The Truth About Butterflies is a true story of grief, hope, and transformation, and a single enduring truth: Life cannot be restrained by death.
==================================================Harriet Tubman - The Moses of Her People [Illustrated]
http://www.amazon.com/Harriet-Tubman-People-Illustrated-ebook/dp...
Pub. 10/25/08Harriet Tubman was an African-American abolitionist, humanitarian, and Union spy during the U.S. Civil War. After escaping from captivity, she made thirteen missions to rescue over seventy slaves using the network of antislavery activists and safe houses known as the Underground Railroad. She later helped John Brown recruit men for his raid on Harpers Ferry, and in the post-war era struggled for women's suffrage.Born into slavery in Dorchester County, Maryland, Tubman was beaten and whipped by her various owners as a child. Early in her life, she suffered a traumatic head wound when an irate slave owner threw a heavy metal weight at her, intending to hit another slave. The injury caused disabling seizures, headaches, and powerful visionary and dream activity, and spells of hypersomnia which occurred throughout her entire life. A devout Christian, she ascribed her visions and vivid dreams to premonitions from God.In 1849, Tubman escaped to Philadelphia, then immediately returned to Maryland to rescue her family. Slowly, one group at a time, she brought relatives with her out of the state, and eventually guided dozens of other slaves to freedom. Traveling by night and in extreme secrecy, Tubman (or "Moses", as she was called) "never lost a passenger". Heavy rewards were offered for many of the people she helped bring away, but no one ever knew it was Harriet Tubman who was helping them. When a far-reaching United States Fugitive Slave Law was passed in 1850, she helped guide fugitives further north into Canada, and helped newly-freed slaves find work.
======================================================Hugh Young's Ten Golden Rules of Equity Investing [Kindle Edition]
http://www.amazon.com/Youngs-Golden-Equity-Investing-ebook/dp/B0...
Pub. 12/14/12Hugh Young is a star fund manager at Aberdeen Asset Management, with over 25 years' experience and a dazzling record of returns. He has marshalled Aberdeen portfolios through numerous market cycles, and in this eBook reveals the secrets of his success, accompanied by the witty illustrations of cartoonist Fran Orford.--------------------------------------------------------------------------------Tales of the Revolution: True Stories of People who are Poking the Box and Making a Difference [Kindle Edition]
http://www.amazon.com/Tales-Revolution-Stories-Difference-ebook/...
Pub. 4/19/11Early in March, The Domino Project published Seth Godins Poke the Box. We Immediately received stories about people taking initiative in their own lives - doing things differently at work or with their families, taking initiative in places they were scared to. Prompted by the number of inspiring stories we received, we launched Tales of the Revolution, profiling examples of passionate self-starters who regularly went above and beyond to make a difference by doing. This free Kindle edition is a sampling of the hundreds of stories we received. Each one could be just the right inspiration for you to keep poking.
=======================================================Blogging Made Simple: Powerful Strategies For Blogging Success! [Kindle Edition]
http://www.amazon.com/Blogging-Made-Simple-Strategies-ebook/dp/B...
Pib/ 4/12/12Blogging Made Simple is a powerful blogging guide. Learn from two of today's best known bloggers who have built high-traffic blogs that support multiple streams of income and a growing list of avid followers. In Blogging Made Simple: Powerful Strategies For Blogging Success, you'll learn the fundamentals of starting your own blog as well as step-by-step instructions on how to develop engaging content, build a growing list of blog followers, effective strategies for monetizing your blog, and little-known strategies for getting your blog ranked #1 on leading search engines. Co-authors Michael H. Fleischner and Justin Fried have been blogging for well over a decade and launched many successful blogs (ex: The Marketing Blog) that reach more than 10,000 followers. If you want to achieve blogging success - creating a popular blog that allows you to position yourself as a leading authority in your niche and drives residual income while you sleep, then don't miss out on this one-of-a-kind blogging resource! In this guide you'll learn powerful blogging secrets including:
--How to start your very own personal or professional blog for FREE
--Strategies for taking a casual blog and turning it into a money-making machine
--How to select a blogging platform that meets your blogging goals: WordPress, Blogger, Tumblr
--Powerful techniques for developing engaging content for your blog on a daily, weekly, and monthly basis
--Outsourcing strategies that allow your blog to run on autopilot even while you sleep
--Optimization secrets that propel your blog to the top of Google, Yahoo!, and Bing
--Proven monetization strategies that provide multiple streams of income
--Promotional techniques that send tons of hungry visitors to your blog again and again
--And much, much more
========================================================WordPress Websites Step-by-Step - The Complete Beginner's Guide to Creating a Website or Blog With WordPress [Kindle Edition]
http://www.amazon.com/WordPress-Websites-Step---Step-ebook/dp/B0...
Pub. 1/4/13Have you ever wanted to create a website but found it too complicated or confusing?
WordPress is the single most popular way to create a website or blog. It's used by Fortune 500 companies, small businesses, authors, photographers, bloggers and non-profits to build a professional websites easily.You can do the same - and you don't need to be a computer expert or web geek.What you'll learn in WordPress Step-by-Step:
How to choose a great domain name and get good value, reliable web hosting
How to install WordPress in a few mouse clicks
How to publish posts and pages with correctly formatted text
How to give your website a professional touch by using images and videos
How to customize your web design without needing to be a programmer
How to extend your site even further with "plugins"
How to use Search Engine Optimization to get found by Google
How to keep your website secure
How to solve the most common WordPress problems
...and lots more.There's also a bonus chapter on getting the first visitors to your site, along with additional video tutorials by the author. Plus, the book is packed with links to additional resources and free design themes and plugins to help you build a website on a budget.Clear explanations and over 55 images of the admin screens and tools mean you can see exactly how to do everything. No more head-scratching or frustration!After reading this book you'll have a unique, professional and easy-to-use website to be proud of - and you'll have created it yourself! Whether you want to build a simple website for your company or organization, make money with a blog or a full online store, this non-geek guide will get you online quickly - saving you time and frustration.
========================================================Asian Recipes - 50 Tasty & Easy Made Unique Exotic Recipes (With Images Of Each Dish And Chef's Note) [Kindle Edition]
http://www.amazon.com/Asian-Recipes-Unique-Exotic-ebook/dp/B0087...
Pub. 5/28/12Asian food is a multi-faceted and diverse as European food. While neighboring countries share some common ingredients and cooking styles, Asian countries have developed cuisines that are uniquely their own. Sampling the food of each is truly an adventure.Each country has its own food history much influenced by its culture, religion and past. Vietnamese food for example, retains the flavors of centuries of French occupation. The food in Philippines has the taste of Spanish and American accents while in Malaysia and Indonesia which are Muslim countries, pork meals are almost completely eliminated off the menu.Many of these recipes were guarded as important family secrets and carefully passed down from one generation to another. Asian cooking has enormous potential in modern times, as Asian food chains are springing up all over the world very rapidly, whilst enjoying immense popularity.In this appetizing book, you will find an inspiration not only for your daily dishes, but for almost every occasion which calls for something savory - Asian style/dish/cuisine. All the recipes included in this book are considered classics, and have proven so popular over the past years. Every single recipe has been tested time and again, both by me and by hundreds of my cooking students.The recipes have been divided by Asian regions. Each chapter contains top recipes which will help you find exactly what you are looking for.They are all authentic and thoroughly tried and tested. By following simple, clear and straightforward instructions, you will find a recipe that will suit your needs and wants to the littlest details. Most of the recipes use basic cooking techniques which can be prepared with only a few pots and utensils.This recipe book will help you cook Asian food with confidence and pleasure that you thought you could not make in your own kitchen. More importantly, it will provide you with all the answers to the problem of ''What shall we have for breakfast, lunch or dinner?'' and you will discover that Asian cooking is so rewarding and fun. So, this book contains The Best Traditional Asian Recipes for you to make and enjoy at home. You will discover that Asian cooking is so rewarding and fun and also there are 50 mouth-watering recipes accompanied with dish images for you to savor from 10 different countries.
========================================================Homemade Ice Cream Recipes - 35 Easy Recipe for Ice Cream [Kindle Edition]
http://www.amazon.com/Homemade-Ice-Cream-Recipes-ebook/dp/B008M9...
Pub. 7/16/12The 35 Easy Ice Cream Recipes contains ice cream recipes to fill your summer days and are the perfect accompaniment to a hot day. Ice cream is always a popular dessert at any time; birthdays, holidays and any special celebration days. Making homemade ice cream is very fun and don't worry if you are new to making ice cream, I have included information needed in order to get you started.
================================================Ultimate Vegetarian Recipes From BeWellBuzz: Delicious And Nutritious Meals That Buzz With Taste And Vitality
http://www.amazon.com/Ultimate-Vegetarian-Recipes-BeWellBuzz-ebo...
Pub. 3/25/13Whats With All Of The Buzz About This New Vegetarian Recipe Collection?If youre a fan of "Forks Over Knives," have devoured The "China Study" or consider yourself a "Happy Herbivore," then you are going to love this new collection of vegetarian recipes from renown health experts Larry and Oksana Oz from the popular "Be Well Buzz" natural health website and community.
Unfortunately, many other vegetarian recipe books are packed with unhealthy foodstuffs that fall short of optimum nutrition says co-author Larry Oz (pictured on the left)...So weve compiled some of our favorite vegetarian dishes and used only whole foods and ingredients proven to promote health heal the body.Whether youre vegetarian, vegan, or lacto-ovo, youll find sensational recipes that youll enjoy alone or with friends, who will wonder how you made such an amazing meal!In addition to a handy ingredient-substitution guide to make any vegetarian recipe healthy, Larry and Oksana show you what foods to avoid at all costs, even if you thought you were eating healthy before.Then youll discover over 40 amazing and delicious vegetarian recipes:
*Appetizers
*Side Dishes
*Stews
*Soups
*Stir Fry
*Veggie Fajitas
*Casseroles
*And Tasty Toppings*EXCLUSIVE KINDLE BONUS INSIDE = Readers will also get a free video training revealing the 6 Blood Tests Your Doctor May Refuse To Give You (And Why) Which May Save Your Life Or Restore Your Health included exclusively inside your Kindle purchase.
=======================================Starcraft: Kerrigan - Hope and Vengeance #0 [Kindle Edition] (dc comics Graphic novel)
http://www.amazon.com/Starcraft-Kerrigan-Hope-Vengeance-ebook/dp...
Pub. 3/6/13No single human being has been more inseparably tied to the twisted destinies of the terran, protoss, and zerg races than Sarah Kerrigan. She has risen from the ranks of soldier and rebel to become the unstoppable Queen of Blades, supreme ruler over a race of bloodthirsty aliens. But now she has fallen from her seat of power and been taken in by those who wish to separate the woman from the monster--a task which may be more difficult than it was to dethrone her.Take a look inside the mind of one of the greatest villains in gaming history and prepare yourself for StarCraft 2: Heart of the Swarm with this explosive new comic from Blizzard Entertainment, Kerrigan: Hope and Vengeance.
=====================================================Bonded (Prequel to The Mating) [Kindle Edition]
http://www.amazon.com/Bonded-Prequel-The-Mating-ebook/dp/B00BT0J...
Pub.
Renos a tough Enforcer for Lycan Link who finds himself drawn to Brandi but duty rules his life. Brandi, just on the edge of starting her career as a Disaster Control officer, falls for Reno at first sight, but are they really meant to be? Is it love or lust and does it really even matter? Enforcers and DCs don't get along...unless fate forces them to. Bonded precedes The Mating.========================================================
The Keeping (Sequel to The Mating) [Kindle Edition]
http://www.amazon.com/The-Keeping-Sequel-Mating-ebook/dp/B00BTID...
Pub. 3/12/13// Ryne Taylor was a sexy bad-ass Alpha set on establishing a new pack. Melody Greene was a journalism student researching his work as a photographeror so she said. But could Mel really be trusted or had she stumbled upon his secret? And if she knew, could Ryne save himself and the pack hed left behind without enacting a deadly ancient law known as The Keeping? Sequel to The Mating.
=========================================================A Cold Day for Murder (Kate Shugak #1 by dana Stabenow)
http://www.amazon.com/Cold-Murder-Kate-Shugak-ebook/dp/B004S87M9...
Pub. 3/15/11Somewhere in the hinterlands of Alaska, among the millions of sprawling acres that comprise The Park, a young National Park Ranger has gone missing. When the detective sent after him also vanishes, the Anchorage DAs department must turn to their reluctant former investigator, Kate Shugak. Shugak knows The Park because shes of The Park, an Aleut who left her home village of Niniltna to pursue education, a career, and the righting of wrongs. Kates search for the missing men will take her from self-imposed exile back to a life shed left behind, and face-to-face with people and problems she'd hoped never to confront again. The first novel in the popular Kate Shugak Series, A Cold Day for Murder established Dana Stabenow as a new voice in Alaskan mystery writing, and earned her an Edgar Award.
=============================================================ARG...I'm having problems formatting this a.m., and the info on this one disappeared - I'll try to hunt it down again, but if you do, that's great too - You'll see the difference in the mirror by the 2nd week (losing AT LEAST 5 pounds -- if not more -- of fat).All with two (really simple) exercises and without leaving your home (you can even do these exercises during TV commercials, if you choose).
Here are some of the benefits of this "miracle" exercise program:No equipment necessary (they're free!)No long, grueling workouts to fit into your day (again, you can do them during TV commercials if you want)
No tedious jogging, "power walking" or treadmills needed. Can be done at any time you want (whenever is convenient for you!)
Works fast -- see results in the mirror in as little as 2 weeks or less
Burns fat instead of muscle (most "cardio" burns muscle -- which is why long distance runners have a sickly, "stringy" look to them)Scientifically proven to work for all kinds of women, with all kinds of body types and metabolisms
Gives you a flat tummy and a tight, sexy "J-Lo" butt
Go at your own pace (100% safe!)
The benefits of these two exercises are incredible -- they're fast, they're simple and they sculpt your body like no other exercises can, and in a fraction of the time. The exercises are simple, but not necessarily "easy." They only take 5 minutes per day and you don't have to change your diet at all.2 FREE BONUS REPORTS INCLUDED IN THE KINDLE FILE:Natural Detox - 8 Cheap Ways to Detox and Cleanse Your Body
15 Healthy Snacks for Weight Loss
10 Additional FREE Bonus Reports at a Special Link on the Last Page of the
Kindle File:
1.How to Lose Weight Spinning in a Circle like Kids
2.The 20-Second Bathroom Trick for a Super-Charged Metabolism and a Flood of Energy
3.One Tablespoon of this $6 Supplement Detoxes 900 Yards of Toxins from Your Body
4.Do-It-Yourself Face-Lift: How to Look 5 Years Younger in 2 Weeks - Got 5 Minutes a Day?
5.The 50-Cent Miracle Weight Loss Food You're Not Eating
6.#1 Cheap Supplement that Reverses Gray Hair & Infuses Health into Your Body
7.How to Get Rid of Allergies in 90 Seconds with Water
8.The Ultimate 3-Second Fountain of Youth "Neural" Fat Loss Exercise
9.The 15-Second "T-Tap" for Overcoming Hypothyroidism & Sluggish Energy
10. How to Make Healthy Ice Cream in 2 Minutes and Other Sweet Surprises!=======================================================Invisible [Kindle Edition] (YA)
http://www.amazon.com/Invisible-ebook/dp/B00BEQZBYE/ref=sr_1_13?...
Pub. 2/11/13Jazmine Crawford doesnt make decisions. She doesnt make choices. She doesnt make friends. Jazmine Crawford only wants one thing: to be invisible. For Jazmine, its a lot easier to take out her hearing aid and drift along pretending that nothings wrong than it is to admit that shes heartbroken about her dad dying. Shes been drifting and ignoring her over-worried mum for four years now.
When bad girl Shalini and her mates adopt Jazmine, she quickly finds herself involved in more than she can handle. Sitting in disgrace in the principals office, Jazmine is offered a choice: help drama teacher Miss Fraser in the upcoming production of The Secret Garden or face a four week suspension.
Its Miss Fraser who clinches the decision. I believe in you Jazmine, she says. I know you can do this. And Jazmine, terrified, disbelieving and elated all at the same time, joins the play.
For a while its all good. Drama star and chocolate lover Liam is friendly and Jazmine realises that making friends, talking to her mother and feeling her emotions isnt as scary as she thought. In a final happy twist of fate, acting diva Angela quits the play and with only a week to go, Miss Fraser asks Jazmine to take on the main role of Mary.
But then Shalini returns from her suspension. Shes out for payback, and she has just the ammunition she needs to force Jazmine to quit the play and go back to her old ways.
Will Jazmine be confident enough to stand up for herself against Shalini? Will Liam still like her if he finds out who she really is? And does she have the strength to face the truth about her fathers suicide?
===========================================Betrayed: Days of the Rogue [Kindle Edition]
http://www.amazon.com/Betrayed-Days-Rogue-ebook/dp/B00BSX4U04/re...
Pub. 3.11.13His mate killed in a horrific explosion, ex-Enforcer Damien Masterson now lives as a rogue werewolf. Grief stricken and filled with rage, what depths will he sink to in his search for revenge? And who will be caught in the crossfire? Will it be Eve, a Fae just entering the Awakening stage? Or Rafe McRae, part empath and part wolf? Its been said that a rogue Enforcer is too dangerous to be allowed to roam. A suspense driven story of love, betrayal and revenge, this latest addition to the Law of the Lycans series is the sequel to Bonded.
===========================================================
Office Depot FAR software for the week of 04/07/2013
Two free after rebate titles. Two $7.99 after rebate titles.
AVG Internet Security 2013 [331-684] $49.99
FREE After $20 Mail-In & $30 Mfr. Current User Upgrade Mail-In SavingsAVG AntiVirus + PC Tune Up 2013 [331-675] $49.99
FREE After $30 Mfr. Mail-In Savings & $20 Mfr. Current User Upgrade Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $61.99
$7.99 After $8 Instant & $54 Mfr. Mail-In SavingsMcAfee AntiVirus Plus 2013 For 3 Users [830-644] $51.99
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Two free after rebate titles. Two $7.99 after rebate titles.
AVG Internet Security 2013 [331-684] $49.99
FREE After $20 Mail-In & $30 Mfr. Current User Upgrade Mail-In SavingsAVG AntiVirus + PC Tune Up 2013 [331-675] $49.99
FREE After $30 Mfr. Mail-In Savings & $20 Mfr. Current User Upgrade Mail-In SavingsMcAfee Internet Security For 3 PCs [830-698] $61.99
$7.99 After $8 Instant & $54 Mfr. Mail-In SavingsMcAfee AntiVirus Plus 2013 For 3 Users [830-644] $51.99
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Only guaranteed FREE at time of posting. a mix of new and old and a variety of genres - hope you'll find something you'll enjoy.Married By Midnight (Pembroke Palace Series, Book Four) [Kindle Edition] by Julianne MacLean (Romance)
http://www.amazon.com/Married-Midnight-Pembroke-Palace-ebook/dp/...
Pub. 7/15/12From USA Today bestselling author Julianne MacLean comes a passionate and emotional tale of a most unexpected loveMARRIED BY MIDNIGHT: A Pembroke Palace Novel of approximately 220 print pagesAN UNATTAINABLE ROGUE
For seven years, Lord Garrett Sinclair-- the ruggedly handsome illegitimate son of the Duke of Pembroke--has been traveling abroad with no intention of ever returning home to Pembroke Palace until his father commands that he must marry by Christmas in order to thwart a family curse or lose his inheritance forever. Haunted by a tragic accident that has hardened his soul, Garrett entrusts his brothers to seek out a bride who will agree to a marriage in name only. Her reward? A sizable share of his inheritance--payable immediately after the wedding night.
A BEAUTIFUL TEMPTRESS
Lady Anne Douglas has been ruined by scandal and disowned by her father. Facing a life of poverty and spinsterhood, she leaps at the generous terms of the marriage contract to ensure her independence. But the charade of a two-week engagement proves more of a challenge than either anticipated when they cannot resist the intoxicating lure of the marriage bed. Anne knows they will part ways after the wedding. Will she dare risk her heart for two weeks of pleasure in the arms of an irresistible rogue? Or will her surrender become her undoing after a most unexpected turn of events mere hours before the wedding? Full length novels in the Pembroke Palace Series:
Book One - IN MY WILDEST FANTASIES
Book Two - THE MISTRESS DIARIES
Book Three - WHEN A STRANGER LOVES ME
Book Four - MARRIED BY MIDNIGHT
Book Five - A KISS BEFORE THE WEDDING (Short Story)
Book Six - SEDUCED AT SUNSET
===========================================5 Ingredients 15 Minutes Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes [Kindle Edition]
http://www.amazon.com/Ingredients-Minutes-Cooker-Cookbook-ebook/...
Pub. 12/28/12
This cookbook was written for you: The busy professional who's moving at the speed of light, craves a comforting home-cooked meal, and doesn't want to spend his or her life in the kitchen. Each of these 40 recipes requires 15 minutes or less of prep time and absolutely no acrobatics. If you can chop an onion and twist a can opener, you can make these dishes. The recipes include nutrition data, and most include serving tips.In this cookbook, you will discover 40 recipes for delicious home-cooked meals that only require 5 ingredients (plus a few Staples such as salt, pepper, water, cooking spray, etc...), 15 minutes (or less) of prep time and 1 turn of a switch. Your slow cooker takes quick and easy meals to a whole new level.At the end of the day, what you want to do is put your feet up and rest. But what you need to do is get dinner on the table. Now you can do both!With 5 ingredients 15 Minutes of Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes, just toss in a few ingredients into your slow cooker in the morning before going to work, and a delicious, hot dinner will be ready for you when you get home.Thousands of busy home cooks rely on Maria Holmes' recipes because they are family friendly, are simple to put together, and taste terrific. Now there's a new cookbook in the Maria Holmes' collection that makes your life even easier!Imagine coming home to an elegant Roast Beef with Mixed Fruit and Chipotle Sauce or Chicken a la King. What about sitting at the dinner table after a long day at work and enjoying a melt in your mouth serving of Potatoes au Gratin.With 40 recipes to choose from, you will have many quick and delicious meal ideas. Most take less than 15 minutes to prepare because all you have to do is pull 5 ingredients out of your pantry, fridge or freezer.So get ready to discover all the tasty simmered-in flavors of slow cooking.Enjoy and be well!
=========================================35 Easy Weeknight Dinners - Simple and Easy Chicken Recipes For Weeknights (Quick and Easy Dinner Recipes - The Easy Weeknight Dinners Collection) [Kindle Edition]
http://www.amazon.com/Easy-Weeknight-Dinners-Weeknights-ebook/dp...
Pub. 10/31/12Are you looking for Recipes For Chicken? If you are looking for quick and easy recipes to prepare on weeknights, you have found the right cookbook! This cookbook has 35 different good recipes for dinner and it all focuses on chicken. So if you love chicken and do not have a ton of time to spend cooking every evening, you should check out this book and the easy recipes inside.As this is all about chicken recipes this book has a variety to choose from. Find traditional chicken meals as well as more exotic ones as well as chicken sandwiches, wraps, salads, soups and more!The type of family meals you will find inside 35 Easy Weeknight Dinners Simple and Easy Chicken Recipes For Weeknights includes all types of fabulous chicken meals that are quick and easy dinner recipes! We hope you enjoy them all! What Type of Quick Easy Dinner Recipes Will You Find In This Book? There are a total of 35 different but quick and easy meals inside this book. Of course you could just consider them fall dinner recipes, but really they would make great dinners, lunches or brunches all year round!Some Examples of the easy family dinners include:
Chicken Marsala
Chicken Pesto Sandwiches
Rum Chicken
Lime Avocado Chicken
Chicken, Plum, and Chickpea Salad
Chicken and Curry Soup
Chicken and Black Bean Wrap
Lemon Olive Chicken
Chicken and White Bean Chili
Chicken Tortilla Soup
Rosemary Chicken Breasts
Creamy Chicken and Broccoli
Chicken Pumpkin Soup
& Many More.
==============================================Portable Pies [Kindle Edition]
http://www.amazon.com/Portable-Pies-ebook/dp/B00B8V0PPU/ref=sr_1...
Pub. 1/30/13Bakers in the American south have been making homemade fried pies for their families for generations. Generations of people have grown up with the knowledge of how to make homemade fried pies. There are countless types of mini-pies that can be fried -- fried chocolate pies, fried apple pies, fried apricot pies, fried peach pies, fried cherry pies and nearly every other kind of dessert deep fried pies. This book lists as many deep fried pie recipes as we could gather from many sources. Our grandmother's memory is strongly invested in every one. Our book covers the various types of fried pie dough recipes, both how to make fried pie dough and how to buy premade dough for fried pies at the store to how to convert pecan pie into a fried pie recipe. This is definitely not a health food book, but it does condense the many happy memories of childhood for many people over countless years. There's simply nothing in the world that tastes better than deep fried pies. The recipes include:
Modern Traditional Fried Apple Pies
Savannah Sunny Fried Peach Pies
Big Easy Apple Raisin Fried Pies
Easy Biscuit Apricot Pies
Boysenberry Fried Pies
Old-Fashioned Hot Kitchen Blueberry Fried Pies
Quickie Crisp Pies
Fried Dried Apple Biscuit Hand Pies
Nanny's Dried and Fried Fruit Pies
Chocolate Fried Pies
Fried Cream Pies
Fried Cherry Nut Pies
and more!
=============================================Freezer Meals: Delicious and Easy Make-Ahead Meals [Kindle Edition]
http://www.amazon.com/Freezer-Meals-Delicious-Make-Ahead-ebook/d...
Pub. 1/21/13Tired of spending long days in the kitchen?Freezer meals allow you to cook once and have multiple meals ready to go at a moment's notice. If you've ever spent an hour cooking dinner after work and thought there has to be an easier way, make-ahead meals are the answer to your prayers. This book gives you a rundown of what freezer meals are and what foods can and can't be frozen successfully. Whether you want to cook a month's worth of meals in advance or you're just looking to make extra food to store away in the freezer, this book will help you on your way. Buy Freezer Meals: Quick and Easy Make-Ahead Meals today and start enjoying all the free time you'll have during the week.
===========================================Desserts in a Flash (Fast Food From Home) [Kindle Edition]
http://www.amazon.com/Desserts-Flash-Fast-Food-ebook/dp/B007K09P...
Pub. 3/12/12Sometimes a meal just isnt complete without a dessert. And sometimes a craving for dessert can happen in the middle of preparing the main meal.Sometimes to complete a meal, or satisfy a craving, you need a dessert that can be ready quickly. Most of the recipes in this book are designed to fill that need. All are designed to be assembled quickly, but some may be chilled or frozen to be served later.Satisfy your sweet tooth and stay on your time schedule. How sweet it is!
===============================================Blood Sugar Diet Recipes: For Losing Weight and Preventing Diabetes (How to actually use diets) [Kindle Edition]
http://www.amazon.com/Blood-Sugar-Diet-Recipes-ebook/dp/B00C0I5Q...
Pub. 3/23/13
We Recommend this for Blood Sugar Solution Dieters
On Sale for a Limited Time!
All the best recipes for the Blood Sugar Diets in one place
The Blood Sugar Diet programs have taken the health and fitness industry by storm and if you don't act fast you'll miss out on the results. The Blood Sugar Diet programs are based around balancing your insulin levels and gives you a six week program to achieve great health, weight loss and prevention of diabetes. It's knowing what to eat that's the hard part, but we've made it easy by giving you plenty of recipes that you can choose from. Our Recipes are sorted into "Breakfast, Lunch, Dinner and Dessert" and we include the calorie count, so you can limit your calorie intake if you wish to. Our recipes are so tasty and creative that you'll never get bored of them....even if they are healthy!
Some of the recipes included:
Delicious low sugar Fruit bread | 105 Calories
Spicy Chicken | 185 Calories
Beef in Gravy | 309 Calories
Baked coconut fish | 195 Calories
Strawberry Crumble | 176 Calories
and many many more!
Eat your way to the body of your dreams in no time with our easy recipes that will have you eating great foods every day
=====================================Ever Shade (A Dark Faerie Tale #1) [Kindle Edition]
http://www.amazon.com/Ever-Shade-Dark-Faerie-ebook/dp/B009WVIDPW...
Pub. 10/24/12Ever Shade ~ a dark twist on faeries. For Shade, a chance meeting with a powerful Teleen Faery warrior who wields electrical currents and blue fires along his skin, has her joining him on a treacherous mission for the good Seelie Faerie Court across the land of Faerie. Magic and malice abound and nothing is what it really seems to be.The evil Unseelie Queen and her treacherous allies are around every corner as Shade makes her way across the breathtaking landscapes of the world of Faerie, which exists alongside the mundane human world. Shade discovers her own uncharted magic and meets some of the most powerful warriors in Faerie while battling evil dryads, conniving Teleen guards and challenges on her life with every step in a world where nothing can be taken for granted.
======================================Squidge: Little Elf, Big Trouble [Kindle Edition]
http://www.amazon.com/Squidge-Little-Elf-Trouble-ebook/dp/B004CR...
Pub. 11/17/12Who ever heard of an elf saving Christmas?Squidge is a little elf who wants to do what the bigger elves do. When he takes matters into his own hands and causes a disaster in Santa's workshop, Squidge runs away... and ends up going further than he would ever have dreamt. Can such a little elf save Santa and Christmas?
================================================The Tales of Big and Little: Doom of the Three Stones (Tell Me A Story Bedtime Stories for Kids) [Kindle Edition]
http://www.amazon.com/The-Tales-Big-Little-ebook/dp/B005G4Q9XM/r...
Pub. 8/4/11For Ages 6 to Adult. No illustrations or frills, just pure, awesome story! Your kids will love you for it!About The Tales of Big and Little - Part One: Doom of the Three Stones...
Big and Little are two dogs who love cheese. They would never have imagined
that this love would take them to another world, to do battle with the
ferocious feline, Shirlee, and his army of animated Pizza Crusts! Follow
Big and Little as they try to foil Shirlee's plans to take over the
worlds!
====================================================Black Hole Cafe #1 [Kindle Edition] (graphic novel)
http://www.amazon.com/Black-Hole-Cafe-1-ebook/dp/B00BJOJR7S/ref=...
Pub. 2/20/13Black Hole Cafe centers around Simon, an ex-assassin with the ability to shift between alternate realties. After receiving a vision of the multiverse collapsing in on itself, Simon travels to the Black Hole Cafe. He hopes to solicit the help of his closest friend Ethan, a man who has the magical ability to turn into a rabbit warrior named Kole. Together they set out to find the source of the vision, and stop the impending apocalypse.
=============================================================The BIG book of Paper Beads [Kindle Edition]
http://www.amazon.com/The-book-Paper-Beads-ebook/dp/B008ADKFJK/r...
Pub. 6/9/12This really is the BIG book of paper beading. It was designed with the beginner in mind but there's plenty to keep even an experienced beader interested! The wrapping method taught primarily is designed by the Author and is what she teaches in her classes. The paper beads she makes are made to be durable, wearable pieces of art- and YOU can make them too! It covers a History of paper beads, Paper Ed. 101, Bead board and why that's important, basic beads and shapes: oval, round, cylinder, cone and hourglass. Now let's step it up a notch: it covers simple techniques that make your beads a work of art and moves it into some shapes that are designed exclusively by the Author: two tone, double cuff and flat beads. WAIT! What about those amazing beads coming out of Africa and the Philippines? Yes- those are in there too! As well as so much more! But the most important part? This is a fun and easy craft that doesn't need any fancy tools or expensive materials. Great for all ages
====================================================How To Compost: Everything You Need To Know To Start Composting, And Nothing You Don't! [Kindle Edition]
http://www.amazon.com/How-Compost-Everything-Composting-ebook/dp...
Pub. 6/14/12
Lars Hundley cuts through the vast amount of information on composting in this quick and to-the-point guide, to give you the essential information you need to start composting now. This guide is for those new to composting and the following topics are covered:
* Types of compost bins and the pros and cons of each (as well as "no bin" options)
* Composting accessories and which are essential (answer: none!)
* What to put in your compost bin -- and what to avoid (sorry, dog poop is out)
* An easy way to balance carbon- and nitrogen-rich materials (no math involved!)
* Compost troubleshooting -- common problems and how to solve them (from sulfur to slime - it's covered)Whether you just want a pile in the backyard, or the latest in compost tumbler technology, this guide will get you off to a great start.
========================================================Declutter: The Busy Person's Guide to Decluttering Your Home and Your Life [Kindle Edition]
http://www.amazon.com/Declutter-Persons-Guide-Decluttering-ebook...
Pub. 3/23/13Decluttering is not just about having a clean house, although that can play a big part in it.
Do you want more time, energy and money to do what you want?
Are you constantly weighed down by all the excess junk in your life?
Are you tired of wasting time and energy dealing with things you don't even want in the first place?Are you looking for the kind of home where:
You're not always apologizing for the mess?
You actually look forward to inviting people over?
Distant friends and family can visit...and stay...because they can actually get into the spare room?
There is actually room in the garage for your cars?Decluttering is about how you feel in the space after you have it set up so that it is working for you.I know you're busy. I know that you think it will take you ages to get into this space. That's why I show you simple, quick and easy ways to declutter your home and your life.
I take you through each room in your house, step-by-step, and hold your hand.
In 15 minutes a day you will regain control of your life!
By the time you reach the end of this book, you will have worked through your whole house (including all your computers and mobile devices.)
You will also be well on your way to decluttering your mind.Decluttering is about you. Its about how you
feel
think
act.Its about how you do each of those things in your physical, mental and emotional states.The sooner you start decluttering, the sooner you can start enjoying the benefits:
Time to spend with your family and friends.
Energy to do the things you want to do with your life
Youll even have more money, because you won't keep buying things that you already have, and you may even have made some money by getting rid of things you no longer use.You'll be a new person and you'll like the new you!
------------------------------------------------Seed Saving for the Organic Gardener (Organic Gardening Guides) [Kindle Edition]
http://www.amazon.com/Saving-Organic-Gardener-Gardening-ebook/dp...
Pub. 1/23/13For the aspiring organic gardener, there's nothing more rewarding than growing organic crops from seeds you've harvested yourself. This book gives you the information you need to get started harvesting and planting your own seeds.The following topics are covered:
- Why saving seeds is preferable to buying seeds.
- The key difference between hybrid and open-pollinated seeds.
- Why you need to avoid GMO seeds at all costs.
- How to control cross-pollination of your plants.
- Bagging, isolating and boxing your plants.
- Growing healthy seeds.
- How to harvest seeds from a number of popular plants including artichokes, asparagus, broccoli, carrots, flowers, corn, strawberries, cucumbers, melons and more.
- Why you should avoid harvesting tree seeds (there's a much better way to grow trees).
- What heirloom seeds are and why they're important.
- Special handling of plants you plan on harvesting heirloom seeds from.
- The difference between organic and heirloom seeds.
- How to start your seeds once planting season rolls around.
- Sowing seeds in your garden.
===================================================Energy Vampires: How to Deal With Negative People [Kindle Edition]
http://www.amazon.com/Energy-Vampires-Negative-People-ebook/dp/B...
Pub 8/5/12One of the best "Vampire Books" you will ever read!
Especially if you are surrounded by negative thinking or negative people...
After being around certain people do you ever find youself feeling:
Emotionally exhausted
Drained
Tired or wanting to take a nap?
If so, then this is a good book for you!
Who exactly do energy vampires and negative people affect? Simple ... Everybody! So what is an energy vampire? You've probably heard the term "energy vampires" before, especially if you're at all interested in psychic ability or psychic development. But what exactly are energy vampires? They're not real vampires. Well, I guess they're real vampires, but not like the ones you see in Twilight ... "Energy vampires" feed upon your energy. In other words, their primary target is your spiritual body, not your physical body. "Energy vampires" are people who constantly draw upon other people's energy in order to help "recharge" their own system. So what do energy vampires and negative people have in common? They essentially do the same thing. They draw upon your energy, and they will have a very profound effect on your system, both spiritually and physically. Many times, they will wear you down to the point of exhaustion. However, unless you're aware of what is happening, you may not even notice the effects these people are having in your life, on a day-to-day basis. Empaths, this is the book for you!Empaths and sensitives are very susceptible to "energy vampires" more so than most other people. More and more people are discovering they are empaths in this new consciousness area. You may even be one and never knew it, until now. How do you find out if you are an empath? By reading this book!In The Book Find Out:How to spot an "energy vampire"
How to protect yourself against negativity
What to do if you if you are surrounded by negative people
How to tell if you are an empath!
How to protect yourself if you are an empath
What effects "energy vampires" have on your spiritual and physical health
How to live in a world filled with "energy vampires"
And the very important...energy vampire first aid!
http://www.amazon.com/Married-Midnight-Pembroke-Palace-ebook/dp/...
Pub. 7/15/12From USA Today bestselling author Julianne MacLean comes a passionate and emotional tale of a most unexpected loveMARRIED BY MIDNIGHT: A Pembroke Palace Novel of approximately 220 print pagesAN UNATTAINABLE ROGUE
For seven years, Lord Garrett Sinclair-- the ruggedly handsome illegitimate son of the Duke of Pembroke--has been traveling abroad with no intention of ever returning home to Pembroke Palace until his father commands that he must marry by Christmas in order to thwart a family curse or lose his inheritance forever. Haunted by a tragic accident that has hardened his soul, Garrett entrusts his brothers to seek out a bride who will agree to a marriage in name only. Her reward? A sizable share of his inheritance--payable immediately after the wedding night.
A BEAUTIFUL TEMPTRESS
Lady Anne Douglas has been ruined by scandal and disowned by her father. Facing a life of poverty and spinsterhood, she leaps at the generous terms of the marriage contract to ensure her independence. But the charade of a two-week engagement proves more of a challenge than either anticipated when they cannot resist the intoxicating lure of the marriage bed. Anne knows they will part ways after the wedding. Will she dare risk her heart for two weeks of pleasure in the arms of an irresistible rogue? Or will her surrender become her undoing after a most unexpected turn of events mere hours before the wedding? Full length novels in the Pembroke Palace Series:
Book One - IN MY WILDEST FANTASIES
Book Two - THE MISTRESS DIARIES
Book Three - WHEN A STRANGER LOVES ME
Book Four - MARRIED BY MIDNIGHT
Book Five - A KISS BEFORE THE WEDDING (Short Story)
Book Six - SEDUCED AT SUNSET
===========================================5 Ingredients 15 Minutes Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes [Kindle Edition]
http://www.amazon.com/Ingredients-Minutes-Cooker-Cookbook-ebook/...
Pub. 12/28/12
This cookbook was written for you: The busy professional who's moving at the speed of light, craves a comforting home-cooked meal, and doesn't want to spend his or her life in the kitchen. Each of these 40 recipes requires 15 minutes or less of prep time and absolutely no acrobatics. If you can chop an onion and twist a can opener, you can make these dishes. The recipes include nutrition data, and most include serving tips.In this cookbook, you will discover 40 recipes for delicious home-cooked meals that only require 5 ingredients (plus a few Staples such as salt, pepper, water, cooking spray, etc...), 15 minutes (or less) of prep time and 1 turn of a switch. Your slow cooker takes quick and easy meals to a whole new level.At the end of the day, what you want to do is put your feet up and rest. But what you need to do is get dinner on the table. Now you can do both!With 5 ingredients 15 Minutes of Prep Time Slow Cooker Cookbook: Quick & Easy Set It & Forget It Recipes, just toss in a few ingredients into your slow cooker in the morning before going to work, and a delicious, hot dinner will be ready for you when you get home.Thousands of busy home cooks rely on Maria Holmes' recipes because they are family friendly, are simple to put together, and taste terrific. Now there's a new cookbook in the Maria Holmes' collection that makes your life even easier!Imagine coming home to an elegant Roast Beef with Mixed Fruit and Chipotle Sauce or Chicken a la King. What about sitting at the dinner table after a long day at work and enjoying a melt in your mouth serving of Potatoes au Gratin.With 40 recipes to choose from, you will have many quick and delicious meal ideas. Most take less than 15 minutes to prepare because all you have to do is pull 5 ingredients out of your pantry, fridge or freezer.So get ready to discover all the tasty simmered-in flavors of slow cooking.Enjoy and be well!
=========================================35 Easy Weeknight Dinners - Simple and Easy Chicken Recipes For Weeknights (Quick and Easy Dinner Recipes - The Easy Weeknight Dinners Collection) [Kindle Edition]
http://www.amazon.com/Easy-Weeknight-Dinners-Weeknights-ebook/dp...
Pub. 10/31/12Are you looking for Recipes For Chicken? If you are looking for quick and easy recipes to prepare on weeknights, you have found the right cookbook! This cookbook has 35 different good recipes for dinner and it all focuses on chicken. So if you love chicken and do not have a ton of time to spend cooking every evening, you should check out this book and the easy recipes inside.As this is all about chicken recipes this book has a variety to choose from. Find traditional chicken meals as well as more exotic ones as well as chicken sandwiches, wraps, salads, soups and more!The type of family meals you will find inside 35 Easy Weeknight Dinners Simple and Easy Chicken Recipes For Weeknights includes all types of fabulous chicken meals that are quick and easy dinner recipes! We hope you enjoy them all! What Type of Quick Easy Dinner Recipes Will You Find In This Book? There are a total of 35 different but quick and easy meals inside this book. Of course you could just consider them fall dinner recipes, but really they would make great dinners, lunches or brunches all year round!Some Examples of the easy family dinners include:
Chicken Marsala
Chicken Pesto Sandwiches
Rum Chicken
Lime Avocado Chicken
Chicken, Plum, and Chickpea Salad
Chicken and Curry Soup
Chicken and Black Bean Wrap
Lemon Olive Chicken
Chicken and White Bean Chili
Chicken Tortilla Soup
Rosemary Chicken Breasts
Creamy Chicken and Broccoli
Chicken Pumpkin Soup
& Many More.
==============================================Portable Pies [Kindle Edition]
http://www.amazon.com/Portable-Pies-ebook/dp/B00B8V0PPU/ref=sr_1...
Pub. 1/30/13Bakers in the American south have been making homemade fried pies for their families for generations. Generations of people have grown up with the knowledge of how to make homemade fried pies. There are countless types of mini-pies that can be fried -- fried chocolate pies, fried apple pies, fried apricot pies, fried peach pies, fried cherry pies and nearly every other kind of dessert deep fried pies. This book lists as many deep fried pie recipes as we could gather from many sources. Our grandmother's memory is strongly invested in every one. Our book covers the various types of fried pie dough recipes, both how to make fried pie dough and how to buy premade dough for fried pies at the store to how to convert pecan pie into a fried pie recipe. This is definitely not a health food book, but it does condense the many happy memories of childhood for many people over countless years. There's simply nothing in the world that tastes better than deep fried pies. The recipes include:
Modern Traditional Fried Apple Pies
Savannah Sunny Fried Peach Pies
Big Easy Apple Raisin Fried Pies
Easy Biscuit Apricot Pies
Boysenberry Fried Pies
Old-Fashioned Hot Kitchen Blueberry Fried Pies
Quickie Crisp Pies
Fried Dried Apple Biscuit Hand Pies
Nanny's Dried and Fried Fruit Pies
Chocolate Fried Pies
Fried Cream Pies
Fried Cherry Nut Pies
and more!
=============================================Freezer Meals: Delicious and Easy Make-Ahead Meals [Kindle Edition]
http://www.amazon.com/Freezer-Meals-Delicious-Make-Ahead-ebook/d...
Pub. 1/21/13Tired of spending long days in the kitchen?Freezer meals allow you to cook once and have multiple meals ready to go at a moment's notice. If you've ever spent an hour cooking dinner after work and thought there has to be an easier way, make-ahead meals are the answer to your prayers. This book gives you a rundown of what freezer meals are and what foods can and can't be frozen successfully. Whether you want to cook a month's worth of meals in advance or you're just looking to make extra food to store away in the freezer, this book will help you on your way. Buy Freezer Meals: Quick and Easy Make-Ahead Meals today and start enjoying all the free time you'll have during the week.
===========================================Desserts in a Flash (Fast Food From Home) [Kindle Edition]
http://www.amazon.com/Desserts-Flash-Fast-Food-ebook/dp/B007K09P...
Pub. 3/12/12Sometimes a meal just isnt complete without a dessert. And sometimes a craving for dessert can happen in the middle of preparing the main meal.Sometimes to complete a meal, or satisfy a craving, you need a dessert that can be ready quickly. Most of the recipes in this book are designed to fill that need. All are designed to be assembled quickly, but some may be chilled or frozen to be served later.Satisfy your sweet tooth and stay on your time schedule. How sweet it is!
===============================================Blood Sugar Diet Recipes: For Losing Weight and Preventing Diabetes (How to actually use diets) [Kindle Edition]
http://www.amazon.com/Blood-Sugar-Diet-Recipes-ebook/dp/B00C0I5Q...
Pub. 3/23/13
We Recommend this for Blood Sugar Solution Dieters
On Sale for a Limited Time!
All the best recipes for the Blood Sugar Diets in one place
The Blood Sugar Diet programs have taken the health and fitness industry by storm and if you don't act fast you'll miss out on the results. The Blood Sugar Diet programs are based around balancing your insulin levels and gives you a six week program to achieve great health, weight loss and prevention of diabetes. It's knowing what to eat that's the hard part, but we've made it easy by giving you plenty of recipes that you can choose from. Our Recipes are sorted into "Breakfast, Lunch, Dinner and Dessert" and we include the calorie count, so you can limit your calorie intake if you wish to. Our recipes are so tasty and creative that you'll never get bored of them....even if they are healthy!
Some of the recipes included:
Delicious low sugar Fruit bread | 105 Calories
Spicy Chicken | 185 Calories
Beef in Gravy | 309 Calories
Baked coconut fish | 195 Calories
Strawberry Crumble | 176 Calories
and many many more!
Eat your way to the body of your dreams in no time with our easy recipes that will have you eating great foods every day
=====================================Ever Shade (A Dark Faerie Tale #1) [Kindle Edition]
http://www.amazon.com/Ever-Shade-Dark-Faerie-ebook/dp/B009WVIDPW...
Pub. 10/24/12Ever Shade ~ a dark twist on faeries. For Shade, a chance meeting with a powerful Teleen Faery warrior who wields electrical currents and blue fires along his skin, has her joining him on a treacherous mission for the good Seelie Faerie Court across the land of Faerie. Magic and malice abound and nothing is what it really seems to be.The evil Unseelie Queen and her treacherous allies are around every corner as Shade makes her way across the breathtaking landscapes of the world of Faerie, which exists alongside the mundane human world. Shade discovers her own uncharted magic and meets some of the most powerful warriors in Faerie while battling evil dryads, conniving Teleen guards and challenges on her life with every step in a world where nothing can be taken for granted.
======================================Squidge: Little Elf, Big Trouble [Kindle Edition]
http://www.amazon.com/Squidge-Little-Elf-Trouble-ebook/dp/B004CR...
Pub. 11/17/12Who ever heard of an elf saving Christmas?Squidge is a little elf who wants to do what the bigger elves do. When he takes matters into his own hands and causes a disaster in Santa's workshop, Squidge runs away... and ends up going further than he would ever have dreamt. Can such a little elf save Santa and Christmas?
================================================The Tales of Big and Little: Doom of the Three Stones (Tell Me A Story Bedtime Stories for Kids) [Kindle Edition]
http://www.amazon.com/The-Tales-Big-Little-ebook/dp/B005G4Q9XM/r...
Pub. 8/4/11For Ages 6 to Adult. No illustrations or frills, just pure, awesome story! Your kids will love you for it!About The Tales of Big and Little - Part One: Doom of the Three Stones...
Big and Little are two dogs who love cheese. They would never have imagined
that this love would take them to another world, to do battle with the
ferocious feline, Shirlee, and his army of animated Pizza Crusts! Follow
Big and Little as they try to foil Shirlee's plans to take over the
worlds!
====================================================Black Hole Cafe #1 [Kindle Edition] (graphic novel)
http://www.amazon.com/Black-Hole-Cafe-1-ebook/dp/B00BJOJR7S/ref=...
Pub. 2/20/13Black Hole Cafe centers around Simon, an ex-assassin with the ability to shift between alternate realties. After receiving a vision of the multiverse collapsing in on itself, Simon travels to the Black Hole Cafe. He hopes to solicit the help of his closest friend Ethan, a man who has the magical ability to turn into a rabbit warrior named Kole. Together they set out to find the source of the vision, and stop the impending apocalypse.
=============================================================The BIG book of Paper Beads [Kindle Edition]
http://www.amazon.com/The-book-Paper-Beads-ebook/dp/B008ADKFJK/r...
Pub. 6/9/12This really is the BIG book of paper beading. It was designed with the beginner in mind but there's plenty to keep even an experienced beader interested! The wrapping method taught primarily is designed by the Author and is what she teaches in her classes. The paper beads she makes are made to be durable, wearable pieces of art- and YOU can make them too! It covers a History of paper beads, Paper Ed. 101, Bead board and why that's important, basic beads and shapes: oval, round, cylinder, cone and hourglass. Now let's step it up a notch: it covers simple techniques that make your beads a work of art and moves it into some shapes that are designed exclusively by the Author: two tone, double cuff and flat beads. WAIT! What about those amazing beads coming out of Africa and the Philippines? Yes- those are in there too! As well as so much more! But the most important part? This is a fun and easy craft that doesn't need any fancy tools or expensive materials. Great for all ages
====================================================How To Compost: Everything You Need To Know To Start Composting, And Nothing You Don't! [Kindle Edition]
http://www.amazon.com/How-Compost-Everything-Composting-ebook/dp...
Pub. 6/14/12
Lars Hundley cuts through the vast amount of information on composting in this quick and to-the-point guide, to give you the essential information you need to start composting now. This guide is for those new to composting and the following topics are covered:
* Types of compost bins and the pros and cons of each (as well as "no bin" options)
* Composting accessories and which are essential (answer: none!)
* What to put in your compost bin -- and what to avoid (sorry, dog poop is out)
* An easy way to balance carbon- and nitrogen-rich materials (no math involved!)
* Compost troubleshooting -- common problems and how to solve them (from sulfur to slime - it's covered)Whether you just want a pile in the backyard, or the latest in compost tumbler technology, this guide will get you off to a great start.
========================================================Declutter: The Busy Person's Guide to Decluttering Your Home and Your Life [Kindle Edition]
http://www.amazon.com/Declutter-Persons-Guide-Decluttering-ebook...
Pub. 3/23/13Decluttering is not just about having a clean house, although that can play a big part in it.
Do you want more time, energy and money to do what you want?
Are you constantly weighed down by all the excess junk in your life?
Are you tired of wasting time and energy dealing with things you don't even want in the first place?Are you looking for the kind of home where:
You're not always apologizing for the mess?
You actually look forward to inviting people over?
Distant friends and family can visit...and stay...because they can actually get into the spare room?
There is actually room in the garage for your cars?Decluttering is about how you feel in the space after you have it set up so that it is working for you.I know you're busy. I know that you think it will take you ages to get into this space. That's why I show you simple, quick and easy ways to declutter your home and your life.
I take you through each room in your house, step-by-step, and hold your hand.
In 15 minutes a day you will regain control of your life!
By the time you reach the end of this book, you will have worked through your whole house (including all your computers and mobile devices.)
You will also be well on your way to decluttering your mind.Decluttering is about you. Its about how you
feel
think
act.Its about how you do each of those things in your physical, mental and emotional states.The sooner you start decluttering, the sooner you can start enjoying the benefits:
Time to spend with your family and friends.
Energy to do the things you want to do with your life
Youll even have more money, because you won't keep buying things that you already have, and you may even have made some money by getting rid of things you no longer use.You'll be a new person and you'll like the new you!
------------------------------------------------Seed Saving for the Organic Gardener (Organic Gardening Guides) [Kindle Edition]
http://www.amazon.com/Saving-Organic-Gardener-Gardening-ebook/dp...
Pub. 1/23/13For the aspiring organic gardener, there's nothing more rewarding than growing organic crops from seeds you've harvested yourself. This book gives you the information you need to get started harvesting and planting your own seeds.The following topics are covered:
- Why saving seeds is preferable to buying seeds.
- The key difference between hybrid and open-pollinated seeds.
- Why you need to avoid GMO seeds at all costs.
- How to control cross-pollination of your plants.
- Bagging, isolating and boxing your plants.
- Growing healthy seeds.
- How to harvest seeds from a number of popular plants including artichokes, asparagus, broccoli, carrots, flowers, corn, strawberries, cucumbers, melons and more.
- Why you should avoid harvesting tree seeds (there's a much better way to grow trees).
- What heirloom seeds are and why they're important.
- Special handling of plants you plan on harvesting heirloom seeds from.
- The difference between organic and heirloom seeds.
- How to start your seeds once planting season rolls around.
- Sowing seeds in your garden.
===================================================Energy Vampires: How to Deal With Negative People [Kindle Edition]
http://www.amazon.com/Energy-Vampires-Negative-People-ebook/dp/B...
Pub 8/5/12One of the best "Vampire Books" you will ever read!
Especially if you are surrounded by negative thinking or negative people...
After being around certain people do you ever find youself feeling:
Emotionally exhausted
Drained
Tired or wanting to take a nap?
If so, then this is a good book for you!
Who exactly do energy vampires and negative people affect? Simple ... Everybody! So what is an energy vampire? You've probably heard the term "energy vampires" before, especially if you're at all interested in psychic ability or psychic development. But what exactly are energy vampires? They're not real vampires. Well, I guess they're real vampires, but not like the ones you see in Twilight ... "Energy vampires" feed upon your energy. In other words, their primary target is your spiritual body, not your physical body. "Energy vampires" are people who constantly draw upon other people's energy in order to help "recharge" their own system. So what do energy vampires and negative people have in common? They essentially do the same thing. They draw upon your energy, and they will have a very profound effect on your system, both spiritually and physically. Many times, they will wear you down to the point of exhaustion. However, unless you're aware of what is happening, you may not even notice the effects these people are having in your life, on a day-to-day basis. Empaths, this is the book for you!Empaths and sensitives are very susceptible to "energy vampires" more so than most other people. More and more people are discovering they are empaths in this new consciousness area. You may even be one and never knew it, until now. How do you find out if you are an empath? By reading this book!In The Book Find Out:How to spot an "energy vampire"
How to protect yourself against negativity
What to do if you if you are surrounded by negative people
How to tell if you are an empath!
How to protect yourself if you are an empath
What effects "energy vampires" have on your spiritual and physical health
How to live in a world filled with "energy vampires"
And the very important...energy vampire first aid!
Car fire(s), method of calculating totaled vehicle values?
Added on : Wednesday April 03rd 2013 01:00:57 AM
So it's been a wonderful day and I learned a valuable safety lesson. Don't leave your cars hooked up to each other trying to jump them off and unattended, no matter how many times you've done it in the past.Both cars look totaled to me. One is a 99 Maxima and another an 06 Accord. Both single owner (me), comp coverage, and have been insured with State Farm since I purchased them new. I have several comp claims over the years but nothing out of the ordinary (2 no-fault hit and run by others in parking lots, and 1 stereo stolen).About 20 years ago, some drunk guy hit me and totaled my car at that point in time. I remember being really disappointed with the offer and vowed if this happened again I would be more prepared.State Farm is sending people out to take the cars to the salvage lot (police suggested I move them off the road) and the adjusters will examine the cars there. Or I could delay the police a few days, ask for adjusters to come and speak with them while they look, and then let the cars be removed. Thoughts here on what I should be doing/documenting?I was curious on the research I would have to do in order to properly calculate what fair values would be. Websites, should I look at Blue Book or trade-in, etc? Also, I am being send an affidavit of vehicle fire, in which details about the car including odometer readings will be required. These were both fairly low mileage cars for their years but I have no way of figuring that out now due to the damage. Best thing I can think of is to ask the place where I got the oil changes last to verify their readings, would State Farm accept that?Lastly, the maxima was my weekend driver and had a pretty expensive stereo in it. Due to the fire/water and potential smoke damage, I'm not sure if I want to rip the parts out. These are older components and I do not have the receipts for them anymore but I want to make sure that I don't get screwed here. Amp alone was $3-4K when I purchased it. Any thoughts here?If there is any other info that would be useful I'll do what I can to post. Thanks for your input!
Sears.com Ladies sz Large Free Country Women's 3-in-1 Systems Jacket $14.99 each reg $180.00 each
Added on : Tuesday April 02nd 2013 12:00:19 PM
Free Country Women's 3-in-1 Systems Jacket
Sold by Sears.comhttp://www.sears.com/free-country-women-s-3-in-1-systems-jacket/p-017VA45796901P?sLevel=0&redirectType=SKIP_LEVEL Item #01717049066 Mfr. $14.99 each $180.00 each
Clearance.Intermediate markdowns may have been taken
ShipStarts at $5.75While supplies last
All items on clearance Sold by SearsProduct Description
The Free Country Women's 3-In-1 Systems Jacket Keeps You Covered When the Mercury DropsFace the elements in sensible style with this Free Country Women's 3-In-1 Systems Jacket. Giving you complete cold weather protection for a warm and dry way to get through the season, this versatile three in one systems jacket features a unique coating that is water and wind resistant, providing protection from harsh weather. Its soft, durable and lightweight combination has been designed to keep you warm and dry while providing superior comfort.
Featuring layering that works, an outer shell with a mock neck zip-up and a Velcro adjustable storm cuff has a detachable hood and fleece-lined interior for a protective layer of warmth. A quilted inner jacket is fleece lined to step up on the warmth. Double up with both pieces or wear each on its own depending on the level of warmth you crave. This womens 3-in-1 jacket fits the bill no matter how cool or cold it gets.
The Free Country Women's 3-In-1 Systems Jacket keeps you covered with flexibility and varying degrees of warmth thanks to layering options
Outer shell:
Mock neck zip-up for keeping neck area warm
Detachable hood gives options to keep it on or remove
Fleece-lined interior offers enhanced warmth
Velcro adjustable storm cuff keeps sleeves secure
Pockets: Zippered seam pockets
Quilted inner jacket:
Zip-in design
Fleece-lined keeps you deliciously warm
Pockets: Slash pockets
Fabric: 100% Polyester
Care: Machine wash
Imported
Sears Coupons
Sold by Sears.comhttp://www.sears.com/free-country-women-s-3-in-1-systems-jacket/p-017VA45796901P?sLevel=0&redirectType=SKIP_LEVEL Item #01717049066 Mfr. $14.99 each $180.00 each
Clearance.Intermediate markdowns may have been taken
ShipStarts at $5.75While supplies last
All items on clearance Sold by SearsProduct Description
The Free Country Women's 3-In-1 Systems Jacket Keeps You Covered When the Mercury DropsFace the elements in sensible style with this Free Country Women's 3-In-1 Systems Jacket. Giving you complete cold weather protection for a warm and dry way to get through the season, this versatile three in one systems jacket features a unique coating that is water and wind resistant, providing protection from harsh weather. Its soft, durable and lightweight combination has been designed to keep you warm and dry while providing superior comfort.
Featuring layering that works, an outer shell with a mock neck zip-up and a Velcro adjustable storm cuff has a detachable hood and fleece-lined interior for a protective layer of warmth. A quilted inner jacket is fleece lined to step up on the warmth. Double up with both pieces or wear each on its own depending on the level of warmth you crave. This womens 3-in-1 jacket fits the bill no matter how cool or cold it gets.
The Free Country Women's 3-In-1 Systems Jacket keeps you covered with flexibility and varying degrees of warmth thanks to layering options
Outer shell:
Mock neck zip-up for keeping neck area warm
Detachable hood gives options to keep it on or remove
Fleece-lined interior offers enhanced warmth
Velcro adjustable storm cuff keeps sleeves secure
Pockets: Zippered seam pockets
Quilted inner jacket:
Zip-in design
Fleece-lined keeps you deliciously warm
Pockets: Slash pockets
Fabric: 100% Polyester
Care: Machine wash
Imported
Sears Coupons
The Secret Holocaust Diaries: The Untold Story of Nonna Bannister TRUE STORY Free Kindle ($15 value) Excellent Reviews!
Added on : Monday April 01st 2013 01:00:06 PM
http://www.amazon.com/The-Secret-Holocaust-Diaries-ebook/dp/B001...
From Booklist
How this story came to be written is a big part of the drama. The only World War II survivor of her wealthy Russian, devout Christian family, Nonna Lisowskaya came to the U.S. in 1950, married Henry Bannister, and never spoke about her Holocaust experienceuntil a few years before her death in 2004, when she revealed her diaries, originally written in six languages on paper scraps that she had kept in a pillow strapped to her body throughout the war. Now those diaries, in her English translation, tell her story of fleeing Stalinist Russia, not knowing what was waiting in Hitlers Germany, where she saw her mother murdered in the camps, escaped a massacre of Jews shot into a pit, was nursed by Catholic nuns, and much more. The editors commentary in different type constantly interrupts the memoir, but the notes are helpful in explaining history and context. The added-on heavy messages celebrating Nonnas Christian forgiveness seem intrusive and unnecessary, no matter how heartfelt. --Hazel Rochman
Amazon Coupons
From Booklist
How this story came to be written is a big part of the drama. The only World War II survivor of her wealthy Russian, devout Christian family, Nonna Lisowskaya came to the U.S. in 1950, married Henry Bannister, and never spoke about her Holocaust experienceuntil a few years before her death in 2004, when she revealed her diaries, originally written in six languages on paper scraps that she had kept in a pillow strapped to her body throughout the war. Now those diaries, in her English translation, tell her story of fleeing Stalinist Russia, not knowing what was waiting in Hitlers Germany, where she saw her mother murdered in the camps, escaped a massacre of Jews shot into a pit, was nursed by Catholic nuns, and much more. The editors commentary in different type constantly interrupts the memoir, but the notes are helpful in explaining history and context. The added-on heavy messages celebrating Nonnas Christian forgiveness seem intrusive and unnecessary, no matter how heartfelt. --Hazel Rochman
Amazon Coupons
Need help with mortgage - appraisal came way low for purchase
Added on : Monday April 01st 2013 10:01:01 AM
Need help with mortgage - appraisal came way low for purchase thru Citi .. it came to $375K for a sale price of $423K (direct purchase thru owner). We did fair bit of number crunching ourself to come up with the sale price, plus the owner checked with realtor .. who thought value should be around $450K. What bothers me is the appariser compared this condo/townhome with 3 others within same subdivision, and toally missed this unit as a direct waterviw (waterfront) vs. other 3 compared against, none of which is waterfront or has any waterview at all. Over phone he was totally unaware he is comparing my target unit, which is right in front of water, vs 3 others which are at least a block away (same subdision etc.). I mean how long does it take to punch them in a zillow or something and see the location. Now it is matter of whether he'll admit making significant mistake.Basically compared to another unit that sold with 300 SWFT less space for $358K, he adjusted this one only by $17K (even with wateview, plus 300 SQFT more, plus this being conrner unit and other one being inner unit). Spoke with appraiser, his argument was there hasn't been unit sold facing water for 2-3 years, and he can only go up little bit from previous unit sold - even though that was inner unit, few blocks away from water, and 300 SQFT less in size!!! On my dispute, i showed his own comparable .. stating, the price difference between a 1,800 & 1,900 SQFT town home is $20K based on sales he is showing .. so how does that justify moving up from 1,900 SQFT to 2,200 SQFT only by ading $17K (my math would be you add $20K per every 100 SQFT .. so you add total of around $60K).Can someone tell me what my other option is? Now with closing date 1.5 months away .. i'm bit in tight spot, because Citi took sooo long to get to this stage. If i go with another lender, can i ask them to do the appraisal first, before wasting time? That way i know immediately where i stand?
Plus .. also noted that county tax appraised value shows my unit is worth 25% more vs. the unit he is comparing against. Hence, tax is also 25% higher. So basically if i take average sale he is comparing my unit against, multiply by 1.25 .. the number comes around $425K .. which my point is, he is way off on his apprsial. I can reason all i want i guess .. but i undersnad apprasial can be way over place.So .. what would be my best option? Just to go with another lender?
Plus .. also noted that county tax appraised value shows my unit is worth 25% more vs. the unit he is comparing against. Hence, tax is also 25% higher. So basically if i take average sale he is comparing my unit against, multiply by 1.25 .. the number comes around $425K .. which my point is, he is way off on his apprsial. I can reason all i want i guess .. but i undersnad apprasial can be way over place.So .. what would be my best option? Just to go with another lender?
Please don't put this in the old direst deposit post on this topic - that post is from 2006 - nobody will read it, its 2013. The 2006 info is outdated. I know this has been covered in another thread but as I read thru it, it mostly talks about who accepts ING Direct which is now Capital One 360 and PayPal as ACH (DD). But the truth is, after multiple transactions, ING Direct is almost always showing up as a transfer and when you transfer money into them for making the transfer, there's a long hold time esp. when you add in the weekends. To make matters worse, they only allow 2 external accounts assuming you use your regular bank as one to move cash in and out. Another pet peeve I have is they ask you 4 security questions when adding a new account and every time they ask a 4 phone numbers security question and most of the time the numbers are over 20 years old - then you get locked out and have to go thru a security lock out process on the toll free. I checked a phone number I got wrong and it was from when I was in college at 19 years old - I'm 55! Anyway what other banks are folks using? Take into account that we all know that different banks process differently so you'll never have a really high success rate(please don't post an aggressive reply about how impossible it is). I was using HSBC for awhile - you could use any amount of external accounts - really easy to set up - no holds - fast processing - success rate was pretty good but lately all I see are transfers on my online activity - the last 3 as a matter of fact and the bonuses were $150 so I have to look elsewhere.
I've targeted Emigrant Direct - heard good things about them anybody have experience with them? I'm checking with them to see how many external accts, you can have.
I don't want to deal with PayPal - they'll barrage me with other products and reports
There has to be some other banks beside the old ING Direct (which hasn't worked for in my repeated experience and maybe now using Capital One's system) and Pay Pal.What other banks are working? Thanks!
I've targeted Emigrant Direct - heard good things about them anybody have experience with them? I'm checking with them to see how many external accts, you can have.
I don't want to deal with PayPal - they'll barrage me with other products and reports
There has to be some other banks beside the old ING Direct (which hasn't worked for in my repeated experience and maybe now using Capital One's system) and Pay Pal.What other banks are working? Thanks!
As always, only guaranteed free at time of posting.The Rules of Life, Expanded Edition: A Personal Code for Living a Better, Happier, More Successful Life (Richard Templar's Rules) [Kindle Edition] 4 star - 74 reviews
http://www.amazon.com/Rules-Life-Expanded-Edition-ebook/dp/B0047...
Pub. 11/11/10The first edition of The Rules of Life: A Personal Code for Living a Better, Happier, More Successful Life became a global phenomenon, topping bestseller charts around the world. This revised edition includes nine new rules to take you further, faster. Author Richard Templar brings together 106 practical rules that happy, successful people follow, even if they've never thought about it. These are realistic, commonsense things you can do differently, starting today... small things that make a powerful difference. Templar offers real wisdom on:Deciding what's important and what isn't
Focusing on changes you really can make
Using your intuition
Learning positive lessons from your regrets
Having great dreams and making practical plans
Staying young
Forgiving without becoming a pushover Follow The Rules of Life. You'll feel better. You'll be a better friend, partner, and parent. And you'll leave the world a better place
=============================Cavelady Cooking: 50 Fun Recipes for Paleo, Low-Carb and Gluten-Free Diets [Kindle Edition] 3.5 stars - 19 reviews
http://www.amazon.com/Cavelady-Cooking-Low-Carb-Gluten-Free-eboo...Whether you're new to a paleo or gluten-free lifestyle, or just looking for some new ideas, this book has you covered: breakfast, lunch, dinner and snacks. If you're seeking for new recipes that are free of grains and gluten - this is the perfect book for you. If youre familiar with Hilah Cooking, you know I dont focus my show recipes on any particular diet I just like to keep things simple, good, and pretty much Texas by default but my cookbooks can be something else. I know this one wont automatically appeal to everyone who watches the show and uses my recipes, but I think it will appeal to anyone whos following the gluten-free, low-carb, or Paleo diets, as well as anyone who just wants some new ways to cook vegetables and meat!Cavelady Cooking covers breakfast, lunch, dinner, sides, snacks and desserts.Some breakfast highlights are: Crabcakes Benedict; Potato-free hash; Counterfeit Lara bars; plus several more recipes, not even including 6 funky smoothies!For lunch, I got real. Real life. So were talking lots of make-ahead soups and salads and re-purposing leftovers into deliciousness! Plus some pretty brilliant ideas on making sushi rolls sans rice and tuna salad sans mayonnaise.The chapter on dinner is ten brand-new recipes including easy homemade Italian sausage (so you can avoid added sugar and preservatives), Cuban chicken, Indian kofta, and pesto-olive roasted chicken. Each main dish recipe offers serving suggestions from the side dishes chapter, which is my personal favorite of all the chapters!These side dishes are anything but pedestrian. Simple but unusual ways to prepare familiar vegetables like chard, cabbage, spinach, and okra will brighten up your plate and then your face! I even included a recipe for mushroom-stuffed acorn squash that could double as a vegetarian main-dish, should you ever need one.I also offer a quick chapter on snacks and desserts. From no-cooking-snacks to baba ganoush, I got your snacking needs covered. For dessert, how about some plantain fritters or a peach crumble!All of the recipes offer shortcuts and substitutions when possible to keep it as easy as possible on you, the cook!=========================================Extraordinary Popular Delusions and the Madness of Crowds [Kindle Edition] 4 stars - 95 reviews
http://www.amazon.com/Extraordinary-Popular-Delusions-Madness-eb...
Pub. 4/8/10The frequently quoted classic exposition of the madness and folly of "popular opinion". Extensive discussion about history's most infamous speculative investment bubbles - the Tulipmania, the South Sea Bubble, and more. Additional coverage and debunking of delusions including alchemy, witch-hunts, The Crusades and duels. Present day writers on economics, such as Andrew Tobias, laud the chapters on economic bubbles.
============================================49 Slow Cooker Paleo Recipes for the Caveman Diet [Kindle Edition]
http://www.amazon.com/Cooker-Paleo-Recipes-Caveman-ebook/dp/B00B...
Pub 1/27/13
The author lost 100 pounds with the caveman paleolithic diet. What is the caveman diet? No, don't flinch, it's not another worthless weight loss plan. It's a diet plan for paleo food that isn't just about low calorie recipes. This paleo cookbook is chock full of recipes for healthy meals that actively promote healthy eating habits, but they're also slow-cooking recipes for convenience in a busy world. The caveman crockpot revolution is about listening to the primal nutrition needs of our millions of years of evolution while taking advantage of modern conveniences. Crockpot meals too often mean unhealthy eating patterns. This collection of slow cooker recipes is largely gluten-free but still innovative and resourceful. If you're tired of the same dull beef and veggies (though we have some of the best crockpot recipes for those, too), you'll find a little bit of everything in this collection -- literally from soup to nuts. Paleo adherents will know that some say paleo people can eat wild rice -- and that wine isn't off the diet. Paleo cookbook recipes aren't hard to find. What's hard to find are recipes that add variety to our lives. Nothing is more boring than a dull Neanderthal diet. These are not only great hunter-gatherer recipes, they're also some of the best crockpot recipes available.Since they're not the same old, boring fare, there are some extra work steps with a few of them, but most are pretty cut-and-dried for a hard-to-please family. So party with your family like it's 1999 BC. You will lose weight with this plan you will succeed. You're falling back on millions of years of the wisdom of the human species to support your efforts. If you thought paleo recipes reduced you to crappy-tasting bread and a future with no rice, think again! Paleo is a very adaptable plan. Here are some of the recipes within:* Chicken Vegetable and Nut Butter Soup
* Primal Vegetable Wild Rice Soup
* Easy Caveman Breakfast Torte
* Yowza Wayleo Paleo Nut Pot
* Crockpot Antelope Steak
* Chicken and Shrimp la Neanderthal
* Paleo Slow Cooker Squash with Cinnamon, Cranberries and Apples
* Barbecuus Neanderthalus and many more.So join the caveman diet evolution revolution. Cavemen ate many more things than we think! Paleo recipes and the Paleolithic diet plans don't have to be hum-drum any longer. These recipes for the paleo slow cooker nutrition plan constitute one way to build healthy meals around a busy lifestyle. The paleolithic diet lends itself well to the crockpot since the appliance harkens back to the campfire of our most ancient ancestors. Paleo cookbooks that involve the slow cooker in them allow the future and the past to wrap around and meet each other. No matter what we choose to call it the caveman diet, the paleo diet plan, the caveman paleolithic Stone Age diet or the hunter gatherer recipes, it doesn't have to be a hunger-gatherer diet! Satisfy your inner caveman with these fun and innovative recipes. If you're new to paleolithic, the good news is that hearty meat-eaters will love this diet. Weight loss plans and healthy meals used to mean green veggies and fruits plus a little lean meat but very little else. We now know a lot more about human physiology, about the capacity for people to incorporate foods humans have eaten for centuries, such as fatty meats, in a healthy eating way, so long as the meats are carefully chosen and prepared. But vegetarians are welcome, too. The emphasis is always on raw and unprocessed foods.This isn't just any other gluten free or low carbohydrate diet. It's a very special one that was designed to meet the evolved needs of our species. Recipes for healthy meals no longer need to filch food out of a rabbit's hutch. This paleo cookbook provides paleo breakfast recipes for the slow cooker, along with caveman approved complete meats, paleolithic ethnic recipes, and many more. We've tried to create the best paleo slowcooker cookbook that we can.
-----------------------------------------------The Addicted Brain: Why We Abuse Drugs, Alcohol, and Nicotine (FT Press Science) [Kindle Edition] 4.5 stars - 31 reviews
http://www.amazon.com/The-Addicted-Brain-Nicotine-ebook/dp/B005G...
Pub. 10/31/11Addiction destroys lives. In The Addicted Brain, leading neuroscientist Michael Kuhar, Ph.D., explains how and why this happensand presents advances in drug addiction treatment and prevention. Using breathtaking brain imagery and other research, Kuhar shows the powerful, long-term brain changes that drugs can cause, revealing why it can be so difficult for addicts to escape their grip. Discover why some people are far more susceptible to addiction than others as the author illuminates striking neural similarities between drugs and other pleasures potentially capable of causing abuse or addictionincluding alcohol, gambling, sex, caffeine, and even Internet overuse. Kuhar concludes by outlining the 12 characteristics most often associated with successful drug addiction treatment.Authoritative and easy to understand, The Addicted Brain offers todays most up-to-date scientific explanation of addictionand what addicts, their families, and society can do about it.-----------------------------------------Fight Now: Eat & Live Proactively Against Breast Cancer [Kindle Edition] 4.5 stars 19 reviews
http://www.amazon.com/Fight-Now-Proactively-Against-ebook/dp/B00...
Pub. 9/15/10Dr. Tabors FIGHT NOW book provides information on lifestyle choices that might improve breast health and overall health. The purpose of Dr. Tabors medical research is to empower you to become proactive against breast cancer now with specific food and lifestyle choices. We can make specific food and lifestyle choices to lower the risk of getting breast cancer, risk of recurrence, and risk of dying from breast cancer. The only alternative is to be reactive after you get breast cancer or have a recurrence of breast cancer. The choice is clearWhether you are currently fighting breast cancer; are a survivor; or, simply trying to lower your risk, Dr. Tabors FIGHT NOW book will give you concise, critical information that you can start using today. You dont have to read hundreds of pages, or have a medical degree to reduce your cancer risk. Spend just a few hours reading this book and you will be empowered to Fight Now.
================================================Keep Calm and Stretch: 44 Stretching Exercises To Increase Flexibility, Relieve Pain, Prevent Injury, And Stay Young! [Kindle Edition] 4.5 stars - 25 reviews
http://www.amazon.com/Keep-Calm-Stretch-Flexibility-ebook/dp/B00...
Pub. 11/13/12Now The #1 Bestselling Book In Physical Medicine and Rehabilitation!You Could Be Feeling A Million Times Better Right Now If You Only Knew How To Stretch Properly! It is a simple answer that is often overlooked, but stretching has the ability to Rid your body of pain
Heal past injuries
Prevent future injuries
Keep you flexible and active
And make you look and feel young!
As a yoga instructor, author Julie Schoen understands the power of stretching. In fact, she used it herself to heal her body after a serious car accident left her broken and depressed. But you don't have to do yoga in order to benefit from stretches! Schoen has compiled Keep Calm and Stretch as your guide to the 44 best stretches to do on a regular basis, each with photo demonstrations and step-by-step instructions for stretching effectively. Discover the secrets to getting more flexible and you will be amazed at how good your body and mind start to feel. Keep Calm and Stretch has the potential to change your life.
=====================================More coming later...and feel free to add!
http://www.amazon.com/Rules-Life-Expanded-Edition-ebook/dp/B0047...
Pub. 11/11/10The first edition of The Rules of Life: A Personal Code for Living a Better, Happier, More Successful Life became a global phenomenon, topping bestseller charts around the world. This revised edition includes nine new rules to take you further, faster. Author Richard Templar brings together 106 practical rules that happy, successful people follow, even if they've never thought about it. These are realistic, commonsense things you can do differently, starting today... small things that make a powerful difference. Templar offers real wisdom on:Deciding what's important and what isn't
Focusing on changes you really can make
Using your intuition
Learning positive lessons from your regrets
Having great dreams and making practical plans
Staying young
Forgiving without becoming a pushover Follow The Rules of Life. You'll feel better. You'll be a better friend, partner, and parent. And you'll leave the world a better place
=============================Cavelady Cooking: 50 Fun Recipes for Paleo, Low-Carb and Gluten-Free Diets [Kindle Edition] 3.5 stars - 19 reviews
http://www.amazon.com/Cavelady-Cooking-Low-Carb-Gluten-Free-eboo...Whether you're new to a paleo or gluten-free lifestyle, or just looking for some new ideas, this book has you covered: breakfast, lunch, dinner and snacks. If you're seeking for new recipes that are free of grains and gluten - this is the perfect book for you. If youre familiar with Hilah Cooking, you know I dont focus my show recipes on any particular diet I just like to keep things simple, good, and pretty much Texas by default but my cookbooks can be something else. I know this one wont automatically appeal to everyone who watches the show and uses my recipes, but I think it will appeal to anyone whos following the gluten-free, low-carb, or Paleo diets, as well as anyone who just wants some new ways to cook vegetables and meat!Cavelady Cooking covers breakfast, lunch, dinner, sides, snacks and desserts.Some breakfast highlights are: Crabcakes Benedict; Potato-free hash; Counterfeit Lara bars; plus several more recipes, not even including 6 funky smoothies!For lunch, I got real. Real life. So were talking lots of make-ahead soups and salads and re-purposing leftovers into deliciousness! Plus some pretty brilliant ideas on making sushi rolls sans rice and tuna salad sans mayonnaise.The chapter on dinner is ten brand-new recipes including easy homemade Italian sausage (so you can avoid added sugar and preservatives), Cuban chicken, Indian kofta, and pesto-olive roasted chicken. Each main dish recipe offers serving suggestions from the side dishes chapter, which is my personal favorite of all the chapters!These side dishes are anything but pedestrian. Simple but unusual ways to prepare familiar vegetables like chard, cabbage, spinach, and okra will brighten up your plate and then your face! I even included a recipe for mushroom-stuffed acorn squash that could double as a vegetarian main-dish, should you ever need one.I also offer a quick chapter on snacks and desserts. From no-cooking-snacks to baba ganoush, I got your snacking needs covered. For dessert, how about some plantain fritters or a peach crumble!All of the recipes offer shortcuts and substitutions when possible to keep it as easy as possible on you, the cook!=========================================Extraordinary Popular Delusions and the Madness of Crowds [Kindle Edition] 4 stars - 95 reviews
http://www.amazon.com/Extraordinary-Popular-Delusions-Madness-eb...
Pub. 4/8/10The frequently quoted classic exposition of the madness and folly of "popular opinion". Extensive discussion about history's most infamous speculative investment bubbles - the Tulipmania, the South Sea Bubble, and more. Additional coverage and debunking of delusions including alchemy, witch-hunts, The Crusades and duels. Present day writers on economics, such as Andrew Tobias, laud the chapters on economic bubbles.
============================================49 Slow Cooker Paleo Recipes for the Caveman Diet [Kindle Edition]
http://www.amazon.com/Cooker-Paleo-Recipes-Caveman-ebook/dp/B00B...
Pub 1/27/13
The author lost 100 pounds with the caveman paleolithic diet. What is the caveman diet? No, don't flinch, it's not another worthless weight loss plan. It's a diet plan for paleo food that isn't just about low calorie recipes. This paleo cookbook is chock full of recipes for healthy meals that actively promote healthy eating habits, but they're also slow-cooking recipes for convenience in a busy world. The caveman crockpot revolution is about listening to the primal nutrition needs of our millions of years of evolution while taking advantage of modern conveniences. Crockpot meals too often mean unhealthy eating patterns. This collection of slow cooker recipes is largely gluten-free but still innovative and resourceful. If you're tired of the same dull beef and veggies (though we have some of the best crockpot recipes for those, too), you'll find a little bit of everything in this collection -- literally from soup to nuts. Paleo adherents will know that some say paleo people can eat wild rice -- and that wine isn't off the diet. Paleo cookbook recipes aren't hard to find. What's hard to find are recipes that add variety to our lives. Nothing is more boring than a dull Neanderthal diet. These are not only great hunter-gatherer recipes, they're also some of the best crockpot recipes available.Since they're not the same old, boring fare, there are some extra work steps with a few of them, but most are pretty cut-and-dried for a hard-to-please family. So party with your family like it's 1999 BC. You will lose weight with this plan you will succeed. You're falling back on millions of years of the wisdom of the human species to support your efforts. If you thought paleo recipes reduced you to crappy-tasting bread and a future with no rice, think again! Paleo is a very adaptable plan. Here are some of the recipes within:* Chicken Vegetable and Nut Butter Soup
* Primal Vegetable Wild Rice Soup
* Easy Caveman Breakfast Torte
* Yowza Wayleo Paleo Nut Pot
* Crockpot Antelope Steak
* Chicken and Shrimp la Neanderthal
* Paleo Slow Cooker Squash with Cinnamon, Cranberries and Apples
* Barbecuus Neanderthalus and many more.So join the caveman diet evolution revolution. Cavemen ate many more things than we think! Paleo recipes and the Paleolithic diet plans don't have to be hum-drum any longer. These recipes for the paleo slow cooker nutrition plan constitute one way to build healthy meals around a busy lifestyle. The paleolithic diet lends itself well to the crockpot since the appliance harkens back to the campfire of our most ancient ancestors. Paleo cookbooks that involve the slow cooker in them allow the future and the past to wrap around and meet each other. No matter what we choose to call it the caveman diet, the paleo diet plan, the caveman paleolithic Stone Age diet or the hunter gatherer recipes, it doesn't have to be a hunger-gatherer diet! Satisfy your inner caveman with these fun and innovative recipes. If you're new to paleolithic, the good news is that hearty meat-eaters will love this diet. Weight loss plans and healthy meals used to mean green veggies and fruits plus a little lean meat but very little else. We now know a lot more about human physiology, about the capacity for people to incorporate foods humans have eaten for centuries, such as fatty meats, in a healthy eating way, so long as the meats are carefully chosen and prepared. But vegetarians are welcome, too. The emphasis is always on raw and unprocessed foods.This isn't just any other gluten free or low carbohydrate diet. It's a very special one that was designed to meet the evolved needs of our species. Recipes for healthy meals no longer need to filch food out of a rabbit's hutch. This paleo cookbook provides paleo breakfast recipes for the slow cooker, along with caveman approved complete meats, paleolithic ethnic recipes, and many more. We've tried to create the best paleo slowcooker cookbook that we can.
-----------------------------------------------The Addicted Brain: Why We Abuse Drugs, Alcohol, and Nicotine (FT Press Science) [Kindle Edition] 4.5 stars - 31 reviews
http://www.amazon.com/The-Addicted-Brain-Nicotine-ebook/dp/B005G...
Pub. 10/31/11Addiction destroys lives. In The Addicted Brain, leading neuroscientist Michael Kuhar, Ph.D., explains how and why this happensand presents advances in drug addiction treatment and prevention. Using breathtaking brain imagery and other research, Kuhar shows the powerful, long-term brain changes that drugs can cause, revealing why it can be so difficult for addicts to escape their grip. Discover why some people are far more susceptible to addiction than others as the author illuminates striking neural similarities between drugs and other pleasures potentially capable of causing abuse or addictionincluding alcohol, gambling, sex, caffeine, and even Internet overuse. Kuhar concludes by outlining the 12 characteristics most often associated with successful drug addiction treatment.Authoritative and easy to understand, The Addicted Brain offers todays most up-to-date scientific explanation of addictionand what addicts, their families, and society can do about it.-----------------------------------------Fight Now: Eat & Live Proactively Against Breast Cancer [Kindle Edition] 4.5 stars 19 reviews
http://www.amazon.com/Fight-Now-Proactively-Against-ebook/dp/B00...
Pub. 9/15/10Dr. Tabors FIGHT NOW book provides information on lifestyle choices that might improve breast health and overall health. The purpose of Dr. Tabors medical research is to empower you to become proactive against breast cancer now with specific food and lifestyle choices. We can make specific food and lifestyle choices to lower the risk of getting breast cancer, risk of recurrence, and risk of dying from breast cancer. The only alternative is to be reactive after you get breast cancer or have a recurrence of breast cancer. The choice is clearWhether you are currently fighting breast cancer; are a survivor; or, simply trying to lower your risk, Dr. Tabors FIGHT NOW book will give you concise, critical information that you can start using today. You dont have to read hundreds of pages, or have a medical degree to reduce your cancer risk. Spend just a few hours reading this book and you will be empowered to Fight Now.
================================================Keep Calm and Stretch: 44 Stretching Exercises To Increase Flexibility, Relieve Pain, Prevent Injury, And Stay Young! [Kindle Edition] 4.5 stars - 25 reviews
http://www.amazon.com/Keep-Calm-Stretch-Flexibility-ebook/dp/B00...
Pub. 11/13/12Now The #1 Bestselling Book In Physical Medicine and Rehabilitation!You Could Be Feeling A Million Times Better Right Now If You Only Knew How To Stretch Properly! It is a simple answer that is often overlooked, but stretching has the ability to Rid your body of pain
Heal past injuries
Prevent future injuries
Keep you flexible and active
And make you look and feel young!
As a yoga instructor, author Julie Schoen understands the power of stretching. In fact, she used it herself to heal her body after a serious car accident left her broken and depressed. But you don't have to do yoga in order to benefit from stretches! Schoen has compiled Keep Calm and Stretch as your guide to the 44 best stretches to do on a regular basis, each with photo demonstrations and step-by-step instructions for stretching effectively. Discover the secrets to getting more flexible and you will be amazed at how good your body and mind start to feel. Keep Calm and Stretch has the potential to change your life.
=====================================More coming later...and feel free to add!
VRX iMotion Custom Racing Simulator--$34999.99 @ Costco
Added on : Friday March 29th 2013 07:00:03 AM
Wow, Gotta Have OneFeatures:
Lifetime Durability, 5.1 Digital Surround Sound, D-Box Actuator System, Three 27" 1080p Screen Array, Setup & Training Package Included Price includes white glove delivery, setup and training. White glove setup and training includes final setup after the simulator has been delivered and one-on-one training by a skilled VRX technician to help you get the most out of your simulator. VRX will schedule a "training visit" with you at an agreed upon time.The VRX iMotion racing simulator provides an unparalleled racing experience. The four commercialgrade, high performance actuators provide three axes of motion and support for over 40 racing titles.Like any finely tuned track car, the VRX is a challenge to master. The physical demands of the simulation, fighting the centrifugal force of the turn to hit the apex properly before the straight, feathering the throttle to master momentum so you can avoid braking, or reacting at speed catching oversteer at 160 mph, makes the VRX more physically and mentally demanding than any mere game.And this is just the tip of the iceberg: the DBOX Motion Code generates motion and vibration according to the effects programmed in each experience so that you feel any texture of the race track surface, transfer of weight, and kick in the back from the up shift, all of this being augmented by a 5.1 audio system and powerful force feedback steering. The VRX iMotion is one of the most sophisticated driving simulations in the world, and promises to fulfill your wishes of driving to the limit without the fear of receiving a speeding ticket.The iMotion simulates the driving experience of various supercars and professional racing machines, but it's what's under the hood that matters live online competitors, DirectX 11 graphics, and a professional grade physics engine that makes this simulator one of a kind.For questions about the VRX system, please email VRX Ventures LTD. at costco@vrx.caThis item is made to order and may take 4-8 weeks for delivery'Roll in' access of a minimum of 32 in. wide is requiredFeatures: Lifetime Durability: precision manufactured stainless steel and aircraft grade aluminum components provide a lifetime of durability
3 Screen Array: to fully immerse you into the simulator gaming experience
Authentic Reclining Sparco Racing Seat: with foreaft adjustment and a telescoping wheel to achieve that ideal driving position
DBOX Actuator System: commercial grade DBOX actuator system capable of producing 2 G's of acceleration
Precision throttle, brake, and clutch pedal set and leather wrapped racing wheel with integrated F1 style paddles
Impactful Sound: 500 W RMS, 5.1 digital surround sound
High End Shifter: configurable to a gated and sequential layout
White Glove Setup and Training Package IncludedSpecifications: Brand: VRX
Model Number: VRX iMotion (Custom)
Chassis: stainless steel construction
Base Design: rolling, carbon fibre wrapped base
Motion: commercial grade DBOX motion system
Engine: Intel i7 PC with NVIDIA graphics
Seat: Sparco Chrono Road
Wheels & Pedals: Logitech G27 wheel and pedals
Gear Box: Thrustmaster TH8 RS shifter
Canopy: ambient light canopy
Screen: 3 x 27"" 1080 p LED displays
Speakers: Logitech Z-906 5.1 Surround Sound
Power Requirement: One 15 A 120 V wall outlet
Included Games: Dirt 3, F1 2012, and iRacing (3 mo subscription included)
Dimensions (L x W x H, in.): 78 x 73 x 62
Weight (lbs.): 250PC Specs: Processor & Memory: 3rd Generation Intel Core i7 - 3770K quad Core processor 3.5 GHz, 8 MB Cache, 8 GB HyperX DDR3-1600 MHz CL9 SDRAM, Cooler Master Hyper 212 Plus CPU cooler
Drives: Seagate Barracuda 500 GB 7200 rpm SATA III hard drive, 24x DVD-RW Drive SuperMulti DVD burner
Operating System: Microsoft Windows 7 (64-bit)
Graphics: 4 GB GDDR5 EVGA GeForce GTX 680+
Communications: integrated Atheros GbE LAN chip 10/100/1000 Mbps (Ethernet)
Case: ThermalTake Armor Revo case
Power Supply: 850 W Corsair professional seriesFront Ports: 2x USB 2.0
2x USB 3.0
audio in
audio outBack Ports (Motherboard): 1x PS/2 port (keyboard or mouse)
1x D-Sub port
1x DVI-D port
1x optical S/PDIF out connector
1x HDMI port
1x DisplayPort
2x eSATA 6Gb/s connectors
6x USB 3.0 ports
1x RJ-45 port
6x audio jacks (center/subwoofer speaker out, rear speaker out, side speaker out, line in/mic In, line out)Warranty Information: 5-year limited warranty, 2 years on all electronics
Lifetime Durability, 5.1 Digital Surround Sound, D-Box Actuator System, Three 27" 1080p Screen Array, Setup & Training Package Included Price includes white glove delivery, setup and training. White glove setup and training includes final setup after the simulator has been delivered and one-on-one training by a skilled VRX technician to help you get the most out of your simulator. VRX will schedule a "training visit" with you at an agreed upon time.The VRX iMotion racing simulator provides an unparalleled racing experience. The four commercialgrade, high performance actuators provide three axes of motion and support for over 40 racing titles.Like any finely tuned track car, the VRX is a challenge to master. The physical demands of the simulation, fighting the centrifugal force of the turn to hit the apex properly before the straight, feathering the throttle to master momentum so you can avoid braking, or reacting at speed catching oversteer at 160 mph, makes the VRX more physically and mentally demanding than any mere game.And this is just the tip of the iceberg: the DBOX Motion Code generates motion and vibration according to the effects programmed in each experience so that you feel any texture of the race track surface, transfer of weight, and kick in the back from the up shift, all of this being augmented by a 5.1 audio system and powerful force feedback steering. The VRX iMotion is one of the most sophisticated driving simulations in the world, and promises to fulfill your wishes of driving to the limit without the fear of receiving a speeding ticket.The iMotion simulates the driving experience of various supercars and professional racing machines, but it's what's under the hood that matters live online competitors, DirectX 11 graphics, and a professional grade physics engine that makes this simulator one of a kind.For questions about the VRX system, please email VRX Ventures LTD. at costco@vrx.caThis item is made to order and may take 4-8 weeks for delivery'Roll in' access of a minimum of 32 in. wide is requiredFeatures: Lifetime Durability: precision manufactured stainless steel and aircraft grade aluminum components provide a lifetime of durability
3 Screen Array: to fully immerse you into the simulator gaming experience
Authentic Reclining Sparco Racing Seat: with foreaft adjustment and a telescoping wheel to achieve that ideal driving position
DBOX Actuator System: commercial grade DBOX actuator system capable of producing 2 G's of acceleration
Precision throttle, brake, and clutch pedal set and leather wrapped racing wheel with integrated F1 style paddles
Impactful Sound: 500 W RMS, 5.1 digital surround sound
High End Shifter: configurable to a gated and sequential layout
White Glove Setup and Training Package IncludedSpecifications: Brand: VRX
Model Number: VRX iMotion (Custom)
Chassis: stainless steel construction
Base Design: rolling, carbon fibre wrapped base
Motion: commercial grade DBOX motion system
Engine: Intel i7 PC with NVIDIA graphics
Seat: Sparco Chrono Road
Wheels & Pedals: Logitech G27 wheel and pedals
Gear Box: Thrustmaster TH8 RS shifter
Canopy: ambient light canopy
Screen: 3 x 27"" 1080 p LED displays
Speakers: Logitech Z-906 5.1 Surround Sound
Power Requirement: One 15 A 120 V wall outlet
Included Games: Dirt 3, F1 2012, and iRacing (3 mo subscription included)
Dimensions (L x W x H, in.): 78 x 73 x 62
Weight (lbs.): 250PC Specs: Processor & Memory: 3rd Generation Intel Core i7 - 3770K quad Core processor 3.5 GHz, 8 MB Cache, 8 GB HyperX DDR3-1600 MHz CL9 SDRAM, Cooler Master Hyper 212 Plus CPU cooler
Drives: Seagate Barracuda 500 GB 7200 rpm SATA III hard drive, 24x DVD-RW Drive SuperMulti DVD burner
Operating System: Microsoft Windows 7 (64-bit)
Graphics: 4 GB GDDR5 EVGA GeForce GTX 680+
Communications: integrated Atheros GbE LAN chip 10/100/1000 Mbps (Ethernet)
Case: ThermalTake Armor Revo case
Power Supply: 850 W Corsair professional seriesFront Ports: 2x USB 2.0
2x USB 3.0
audio in
audio outBack Ports (Motherboard): 1x PS/2 port (keyboard or mouse)
1x D-Sub port
1x DVI-D port
1x optical S/PDIF out connector
1x HDMI port
1x DisplayPort
2x eSATA 6Gb/s connectors
6x USB 3.0 ports
1x RJ-45 port
6x audio jacks (center/subwoofer speaker out, rear speaker out, side speaker out, line in/mic In, line out)Warranty Information: 5-year limited warranty, 2 years on all electronics
Office Depot FAR software for the week of 03/31/2013 (two $10 AR titles)
Added on : Friday March 29th 2013 03:00:06 AM
Office Depot FAR software for the week of 03/31/2013 (two $10 AR titles)
McAfee Total Protection For 3 Users [830-788] $79.99
$9.99 After $60 Mfr. Mail-In & $10 Mfr.Trend Micro Titanium Internet Security For 3 Users [220-849] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Current User
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
McAfee Total Protection For 3 Users [830-788] $79.99
$9.99 After $60 Mfr. Mail-In & $10 Mfr.Trend Micro Titanium Internet Security For 3 Users [220-849] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Current User
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Archena mentioned she'd been gone next week, but she may be gone today(?), so I'll start it off and hope she arrives. As always, only guaranteed FREE at time of posting!From Abused Puppy to Beloved Family Member: The Life Story of Jacob the Rottweiler [Kindle Edition]
http://www.amazon.com/gp/product/B005J4Z8OU/ref=oh_d__o00_detail...
Pub. 8/24/11
Follow the life journey of an abused Rottweiler puppy named Jacob to a new life in a forever home and see the effect he had on the couple who rescued him.--------------------------------------------------------------------------------Free Yourself From the Shackles of Clutter: Simple + Easy Methods to Declutter Your Home + Other Vital Aspects of Your Life [Kindle Edition]
http://www.amazon.com/gp/product/B00A8VQQ0E/ref=oh_d__o01_detail...
Pub. 11/16/12Feeling overwhelmed with clutter in your home? Are you constantly losing items due to a messy home? Or perhaps you have clutter everywhere in your office which is affecting your productivity? If you are looking for the most efficient way on how to declutter, then this book is for you. Clutter can negatively impact a person in many ways. From missing items, being less productive and even low self esteem it is essential that you break free from the shackles of clutter. However it may have gotten so overwhelming you may not even know where to begin. Or if you do, it seems that you are not making hardly any progress and dismiss cleaning as a lost cause.This book shows you step by step how you can easily declutter not only your home but many other aspects of your life such as your office, college dorm room and even your mind from negative thoughts. So go ahead and break free of the shackles of clutter and become free to live again with much less stress from having too much clutter. Learn how to declutter and take your life back now!
--------------------------------------------------------------Connected Souls: A Dog Story [Kindle Edition]
http://www.amazon.com/gp/product/B008KRWRF6/ref=oh_d__o02_detail...
Pub. 7/11/12Anytime is a good time to read a dog story! When Karen and Will have to unexpectedly put their beloved best friend to sleep, they aren't sure they will ever be ready for another dog. But when an unusual event happens, they learn there is another dog out there who is counting on them.Based on true events that happened in the author's life, this short story tells the tale of two very different dogs that loved their way into the heart of one family and how, through both life and death, they each formed a bond that would be cherished forever.
-------------------------------Homemade Cookie Recipes The Whole Family Will Love! [Kindle Edition]
http://www.amazon.com/gp/product/B00C0M8FVC/ref=oh_d__o03_detail...
Pub. 3/24/13Homemade cookies are everyones biggest weakness. So if you like homemade cookies, you will love cookie recipes from this book. Simple to
prepare. Rich and decadent, your family will ask you to make these delicious treats often. Homemade Cookie Recipes The Whole Family Will Love! By Heavyn Elizabeth will help you find new, tried and true homemade cookie recipes your whole family will surely love.
----------------------Bread Making Made Easy! A No Fluff Guide To Creating Savory Home Made Bread With Instructable Pictures To Go Along [Kindle Edition]
http://www.amazon.com/gp/product/B00C17MVPC/ref=oh_d__o04_detail...
Pub. 3/25/13Ever wanted to make homemade bread? Now you can! This simple, straightforward guide will show you how to create homemade bread right from the comfort of your home without any expensive equipments needed! Comes with recipes for making popular breads like:- Chapati Bread
- Naan Bread
- Sourdough Bread
- And Many More!(Instructions with pictures enclosed)
--------------------------------------------------35 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine [Kindle Edition]
http://www.amazon.com/gp/product/B00C107L8G/ref=oh_d__o05_detail...
Pub. 3/24/1335 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine. Are you looking for ideas on what to serve with your main course? Try these Slow Cooker Side Dishes! The Slow Cooker RevolutionYes, not knowing what to serve with a main course (or having the time to cook) can be discouraging at times, but you don't have to worry with these delicious and easy to make slow cooker side dishes for chicken, fish, beef or pork.With your hectic schedule, you're just too tired for an idea to pop up in your head, right?Well, in this side dish cookbook you will find a variety of recipes that will make your meal planning much easier - and quicker! I wanted to free up some of time for you by compiling this crockpot cookbook filled with 35 side dish recipes and here are a few I've included . . . - Italian Bean Casserole
- Zucchini & Cheese Souffle
- Baked Cinnamon & Orange Apples
- Spanish Rice & Tomatoes
- Hash Brown Potatoes & Cheese
- Plus many more
-------------------------------------------------25 Simple Salads and Delightfully Delicious Dressings [Kindle Edition]
http://www.amazon.com/gp/product/B00BZQLOCG/ref=oh_d__o06_detail...
Pub. 3/22/13When you think of the word salad do you associate it with the words boring, dull or diet? Many people associate salads with diet foods, believing there is no reason to eat them unless you have to. In reality, a salad can not only be very healthy but also very flavorful! A traditional chicken Caesar salad tossed in homemade dressing and topped with fresh parmesan cheese is anything but boring and a southwestern chicken salad is sure to tempt your taste buds. If you want to take a step toward a healthier diet without sacrificing flavor, try these simple salads!
------------------------------------------------Cake Mix Recipes [Kindle Edition]
http://www.amazon.com/gp/product/B00BUR70QO/ref=oh_d__o07_detail...
Pub. 3/14/13The book contains instructions about baking the delicious cookies, brownies, and blondies. The book aims to give everyone with recipes that are easy to prepare. It also changes the way people understand procedures and easily streamline their entire baking process. *extra recipe at the end of this book from the new book due to release this Spring 2013
----------------------------------------------------------------------------------------------Top 50 Delicious Salad Recipes: Latest Collection of MOST-WANTED, Easy And Healthy Salad Recipes For Both Vegetarians And Non-Vegetarians [Kindle Edition]
http://www.amazon.com/gp/product/B00BMAQZRO/ref=oh_d__o08_detail...
Pub. 2/26/13Kinza Waneeeza has another book about salads in general (and a very successful and popular one at that) but here she turns to bow to vegetarians and offers a splendid array of choices that are restricted to being meatless.Of course, keeping with her penchant for International tastes she begins with Famous Greek Salad with recipes for both the salad and the accompanying dressing, Macaroni Salad, her Ultimate Greek Salad (!), Tomato-Basil Pasta Salad, Tzatziki Cucumber Dipping Sauce, Kinza's Balsamic Vinaigrette, Mock Tuna Salad (a very healthy alternative without forgoing taste), California Pasta Salad, Mom's Danish Potato Salad, Radish-Olive Salad with Mustard Vinaigrette, Quinoa Black Bean Salad, Baby Cos, Pear and Feta Salad, a Vegetarian Quinoa Pilaf, Mozzarella Tomato and Basil Couscous Salad and others."
---------------------------------Relationship Questions: Dating Questions for a Healthy Relationship [Kindle Edition]
http://www.amazon.com/gp/product/B00C08KHU8/ref=oh_d__o09_detail...
Pub 3/23/13Want a good relationship? The secret to a good relationship is asking the right questions in the very beginning. Never fall in love with losers again by really learning how to screen out the weirdos from the beautiful people. Its important to know someone before you get attached to the idea of being with them romantically. This book will give you the tools to really know someone before taking the dive and avoid all the relationship troubles most people go through. "Relationship Questions" has over 600 powerful and fun questions to ask that person of interest to you. Instead of finding out things years later, get to know them now and never be surprised again!Asking the right questions means finding the right person!
-------------------------------------------------------------
Light of a Dog [Kindle Edition]
http://www.amazon.com/gp/product/B00BQYJJ06/ref=oh_d__o00_detail...
Pub. 3/7/13This is a real story, though the names are fiction ones. I'd like to keep some respect to my family members.
Though this short story, describes part of my life, it's not a whole biographical book, but it keeps some of it inside. It's impossible to be aware of not sharing part of my life along my books, when there are so many lessons I learned in just five years. So, here I gave you a clue. My books and novels are inspired always in real events. I inspired them in some of my living stories, but I trimmed them with some fiction too.
This book is an inspiration of my two lovely dogs, especially my new girl Shine who is the queen of the story.
--------------------------------Total Chi Fitness - Meridian Stretching Exercises for Ultimate Fitness, Performance and Health (Chi Powers for Modern Age) [Kindle Edition]
http://www.amazon.com/gp/product/B00BZG7NK8/ref=oh_d__o01_detail...
Pub 3/21/13This book is complete, practical guide from where you can learn ancient meridian stretching exercises that will enrich your life in many different ways. Learning curve is short (4-6 days) and 15 minutes for doing them is more than enough. To learn complete set of Total Chi Fitness exercises and therefore enjoy full benefits they provide, you do not need anything else but this book (next to the detailed description and photos, videos are also provided by the author). Simplicity and great power of Total Chi Fitness meridian stretching is shocking to most of the practitioners who reports about this sort of benefits:These exercises will boost your energy levels strongly. If you do them correctly they will help you fight disease, accelerate your mental and physical performance far better then any artificial booster or 'food supplement' and provide you with dozen of additional benefits.If your body is sick or weak:Total Chi Fitness exercise program will help you to heal faster. Relief from modern diseases and health disorders (back pain, headache, feeling of low energy and weakness, inability to concentrate etc.) are only some of the healing benefits people report experiencing with this program.If you're healthy, hard-working, active in sports etc.:Total Chi Fitness exercise program will enhance the result you are achieving. It will catapult you to dimensions packed with fresh energy resources that you currently don't even know of! "Secret" of Total Chi Fitness powers is simple: originating from ancient Chinese medicine and martial arts, it remained unchanged by thousands of years.
Meridian stretching and techniques of Total Chi Fitness rapidly 'clean' your energy channels from all the blocks and obstacles that slowdown free and healthy flow of the life energy - Chi.
--------------------------------------------------------Writing for The Soul: An Autobiography and Guide for the Broken Down [Kindle Edition]
http://www.amazon.com/gp/product/B00BUTMVPM/ref=oh_d__o02_detail...
Pub. 3/14/13Writing for The Soul: An Autobiography and Guide for the Broken Down is the story of author Dylon J. Serpa's journey through depression. It reveals the ugliness of mental health disorders including raging fits during basketball games, striking ones parent and more. The story also follows the story of a younger teens terrible struggle through depression and how writing therapy allowed her to express herself. The book also doubles as a guide, showing the beneficial components of writing therapy.
------------------------------132+ Delicious Salads, Dressings And Dips (Gabrielle's FUSS-FREE Healthy Veg Recipes) [Kindle Edition]
http://www.amazon.com/gp/product/B00BQTE3PW/ref=oh_d__o03_detail...
Pub. 3/7/13From the jaw droppingly simple to wonderfully inventive creations, you can (re-) inject some healthy magic into your mealtimes. No matter what your food preferences are - omnivore, vegetarian, vegan, raw-food, 'paleo' or meat eater, you'll discover how to transform salads into must-have meals and tasty side dishes. Making sensational salads, delicious dressings and delectable dips is one sure fire way to delight your taste buds easily! Let Gabrielle lead you on your own personal salad revolution! Never be bored with the same old boring salads again. Salads can be the flagship of any meal when you have the know-how. Sometimes it's in the salad itself. Other times it's in what you dress it with. Imagine combining two winning recipes which may very well inspire even the most salad-phobic of folk. Gabrielle shows you:How to create delicious salads, dressings and dips all fuss-free, tried and tested and using easy-to-find ingredients!
How to make even the most often-used salad ingredients taste different, by cleverly preparing your vegetables to vary consistency and "mouth-feel". And what a difference that makes.
How simplicity can make you a winner in the kitchen. Some salad recipes you will learn are beautiful precisely because of their simplicity.
How you don't always need a complex or long list of ingredients to make your creations interesting or delicious.
Many versatile recipes, ranging from simple right through to Gabrielle's famous and sophisticated "super salads" showing you how to use anywhere from a handful of ingredients to a cornucopia of produce, all with spectacular result.
It's no secret that eating fresh (mostly) raw vegetables is one of your keys to vibrant health. Join the growing wave of people who believe fresh food should be our medicine and make the transition away from "packaged and processed foods" easily by eating more salads.Gabrielle Raiz is also the author of the best-seller "Green Smoothie Magic". In this 200+ page volume she brings you well over 132 easy-to-prepare, fuss-free Salads, Dressings and Dips that will refresh your senses day in and day out ... deliciously!
-------------------------------Eat to Beat Stress: 10 Super Foods to Prevent Major Symptoms of Stress
http://www.amazon.com/gp/product/B00AS074VA/ref=oh_d__o04_detail...
Pub. 3/21/12Leah Borski is a work-at-home mom, family nutrition enthusiast, fitness & wellness Coach, and TheFamilyTableCookbook.com author/blogger. In Eat to Beat Stress, she lays out a simple and direct guide for using food to defeat five major symptoms of stress. Research shows that when people feel stressed, they reach for food. The trouble lies in the types of food sought out during these times. Studies have found a tendency toward fatty, high-sugar foods, which throw off the bodys ability to function effectively and essentially drive people into a vicious cycle of compounded stress and poor eating habits. Eat to Beat Stress demonstrates simply the mechanics of such a pattern and provides a fast-track to breaking it with 10 nutrient rich foods - including protein foods, grains, and fruits & veggies that specifically target 5 major symptoms of stress. In this booklet, readers will find an easy-to-use list of superfoods with a brief description of each foods stress-fighting benefits, photos, serving ideas, shopping tips, cooking instructions, make-ahead tips, recipes from The Family Table Cookbook website, and a sneak preview section of family-friendly recipes from the upcoming publication The Family Table Cookbook: Cook Smart, Stress Less, Eat Better...Together. Each delicious recipe is quick to prepare and includes specific serving tips and instructions for babies and kids (8 months of age and older) so that everyone in the family can easily benefit from the powerful nutrition and stress-busting qualities of these foods. ]
http://www.amazon.com/gp/product/B005J4Z8OU/ref=oh_d__o00_detail...
Pub. 8/24/11
Follow the life journey of an abused Rottweiler puppy named Jacob to a new life in a forever home and see the effect he had on the couple who rescued him.--------------------------------------------------------------------------------Free Yourself From the Shackles of Clutter: Simple + Easy Methods to Declutter Your Home + Other Vital Aspects of Your Life [Kindle Edition]
http://www.amazon.com/gp/product/B00A8VQQ0E/ref=oh_d__o01_detail...
Pub. 11/16/12Feeling overwhelmed with clutter in your home? Are you constantly losing items due to a messy home? Or perhaps you have clutter everywhere in your office which is affecting your productivity? If you are looking for the most efficient way on how to declutter, then this book is for you. Clutter can negatively impact a person in many ways. From missing items, being less productive and even low self esteem it is essential that you break free from the shackles of clutter. However it may have gotten so overwhelming you may not even know where to begin. Or if you do, it seems that you are not making hardly any progress and dismiss cleaning as a lost cause.This book shows you step by step how you can easily declutter not only your home but many other aspects of your life such as your office, college dorm room and even your mind from negative thoughts. So go ahead and break free of the shackles of clutter and become free to live again with much less stress from having too much clutter. Learn how to declutter and take your life back now!
--------------------------------------------------------------Connected Souls: A Dog Story [Kindle Edition]
http://www.amazon.com/gp/product/B008KRWRF6/ref=oh_d__o02_detail...
Pub. 7/11/12Anytime is a good time to read a dog story! When Karen and Will have to unexpectedly put their beloved best friend to sleep, they aren't sure they will ever be ready for another dog. But when an unusual event happens, they learn there is another dog out there who is counting on them.Based on true events that happened in the author's life, this short story tells the tale of two very different dogs that loved their way into the heart of one family and how, through both life and death, they each formed a bond that would be cherished forever.
-------------------------------Homemade Cookie Recipes The Whole Family Will Love! [Kindle Edition]
http://www.amazon.com/gp/product/B00C0M8FVC/ref=oh_d__o03_detail...
Pub. 3/24/13Homemade cookies are everyones biggest weakness. So if you like homemade cookies, you will love cookie recipes from this book. Simple to
prepare. Rich and decadent, your family will ask you to make these delicious treats often. Homemade Cookie Recipes The Whole Family Will Love! By Heavyn Elizabeth will help you find new, tried and true homemade cookie recipes your whole family will surely love.
----------------------Bread Making Made Easy! A No Fluff Guide To Creating Savory Home Made Bread With Instructable Pictures To Go Along [Kindle Edition]
http://www.amazon.com/gp/product/B00C17MVPC/ref=oh_d__o04_detail...
Pub. 3/25/13Ever wanted to make homemade bread? Now you can! This simple, straightforward guide will show you how to create homemade bread right from the comfort of your home without any expensive equipments needed! Comes with recipes for making popular breads like:- Chapati Bread
- Naan Bread
- Sourdough Bread
- And Many More!(Instructions with pictures enclosed)
--------------------------------------------------35 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine [Kindle Edition]
http://www.amazon.com/gp/product/B00C107L8G/ref=oh_d__o05_detail...
Pub. 3/24/1335 Slow Cooker Side Dish Recipes: Delicious Side Dishes to Make Your Main Course Shine. Are you looking for ideas on what to serve with your main course? Try these Slow Cooker Side Dishes! The Slow Cooker RevolutionYes, not knowing what to serve with a main course (or having the time to cook) can be discouraging at times, but you don't have to worry with these delicious and easy to make slow cooker side dishes for chicken, fish, beef or pork.With your hectic schedule, you're just too tired for an idea to pop up in your head, right?Well, in this side dish cookbook you will find a variety of recipes that will make your meal planning much easier - and quicker! I wanted to free up some of time for you by compiling this crockpot cookbook filled with 35 side dish recipes and here are a few I've included . . . - Italian Bean Casserole
- Zucchini & Cheese Souffle
- Baked Cinnamon & Orange Apples
- Spanish Rice & Tomatoes
- Hash Brown Potatoes & Cheese
- Plus many more
-------------------------------------------------25 Simple Salads and Delightfully Delicious Dressings [Kindle Edition]
http://www.amazon.com/gp/product/B00BZQLOCG/ref=oh_d__o06_detail...
Pub. 3/22/13When you think of the word salad do you associate it with the words boring, dull or diet? Many people associate salads with diet foods, believing there is no reason to eat them unless you have to. In reality, a salad can not only be very healthy but also very flavorful! A traditional chicken Caesar salad tossed in homemade dressing and topped with fresh parmesan cheese is anything but boring and a southwestern chicken salad is sure to tempt your taste buds. If you want to take a step toward a healthier diet without sacrificing flavor, try these simple salads!
------------------------------------------------Cake Mix Recipes [Kindle Edition]
http://www.amazon.com/gp/product/B00BUR70QO/ref=oh_d__o07_detail...
Pub. 3/14/13The book contains instructions about baking the delicious cookies, brownies, and blondies. The book aims to give everyone with recipes that are easy to prepare. It also changes the way people understand procedures and easily streamline their entire baking process. *extra recipe at the end of this book from the new book due to release this Spring 2013
----------------------------------------------------------------------------------------------Top 50 Delicious Salad Recipes: Latest Collection of MOST-WANTED, Easy And Healthy Salad Recipes For Both Vegetarians And Non-Vegetarians [Kindle Edition]
http://www.amazon.com/gp/product/B00BMAQZRO/ref=oh_d__o08_detail...
Pub. 2/26/13Kinza Waneeeza has another book about salads in general (and a very successful and popular one at that) but here she turns to bow to vegetarians and offers a splendid array of choices that are restricted to being meatless.Of course, keeping with her penchant for International tastes she begins with Famous Greek Salad with recipes for both the salad and the accompanying dressing, Macaroni Salad, her Ultimate Greek Salad (!), Tomato-Basil Pasta Salad, Tzatziki Cucumber Dipping Sauce, Kinza's Balsamic Vinaigrette, Mock Tuna Salad (a very healthy alternative without forgoing taste), California Pasta Salad, Mom's Danish Potato Salad, Radish-Olive Salad with Mustard Vinaigrette, Quinoa Black Bean Salad, Baby Cos, Pear and Feta Salad, a Vegetarian Quinoa Pilaf, Mozzarella Tomato and Basil Couscous Salad and others."
---------------------------------Relationship Questions: Dating Questions for a Healthy Relationship [Kindle Edition]
http://www.amazon.com/gp/product/B00C08KHU8/ref=oh_d__o09_detail...
Pub 3/23/13Want a good relationship? The secret to a good relationship is asking the right questions in the very beginning. Never fall in love with losers again by really learning how to screen out the weirdos from the beautiful people. Its important to know someone before you get attached to the idea of being with them romantically. This book will give you the tools to really know someone before taking the dive and avoid all the relationship troubles most people go through. "Relationship Questions" has over 600 powerful and fun questions to ask that person of interest to you. Instead of finding out things years later, get to know them now and never be surprised again!Asking the right questions means finding the right person!
-------------------------------------------------------------
Light of a Dog [Kindle Edition]
http://www.amazon.com/gp/product/B00BQYJJ06/ref=oh_d__o00_detail...
Pub. 3/7/13This is a real story, though the names are fiction ones. I'd like to keep some respect to my family members.
Though this short story, describes part of my life, it's not a whole biographical book, but it keeps some of it inside. It's impossible to be aware of not sharing part of my life along my books, when there are so many lessons I learned in just five years. So, here I gave you a clue. My books and novels are inspired always in real events. I inspired them in some of my living stories, but I trimmed them with some fiction too.
This book is an inspiration of my two lovely dogs, especially my new girl Shine who is the queen of the story.
--------------------------------Total Chi Fitness - Meridian Stretching Exercises for Ultimate Fitness, Performance and Health (Chi Powers for Modern Age) [Kindle Edition]
http://www.amazon.com/gp/product/B00BZG7NK8/ref=oh_d__o01_detail...
Pub 3/21/13This book is complete, practical guide from where you can learn ancient meridian stretching exercises that will enrich your life in many different ways. Learning curve is short (4-6 days) and 15 minutes for doing them is more than enough. To learn complete set of Total Chi Fitness exercises and therefore enjoy full benefits they provide, you do not need anything else but this book (next to the detailed description and photos, videos are also provided by the author). Simplicity and great power of Total Chi Fitness meridian stretching is shocking to most of the practitioners who reports about this sort of benefits:These exercises will boost your energy levels strongly. If you do them correctly they will help you fight disease, accelerate your mental and physical performance far better then any artificial booster or 'food supplement' and provide you with dozen of additional benefits.If your body is sick or weak:Total Chi Fitness exercise program will help you to heal faster. Relief from modern diseases and health disorders (back pain, headache, feeling of low energy and weakness, inability to concentrate etc.) are only some of the healing benefits people report experiencing with this program.If you're healthy, hard-working, active in sports etc.:Total Chi Fitness exercise program will enhance the result you are achieving. It will catapult you to dimensions packed with fresh energy resources that you currently don't even know of! "Secret" of Total Chi Fitness powers is simple: originating from ancient Chinese medicine and martial arts, it remained unchanged by thousands of years.
Meridian stretching and techniques of Total Chi Fitness rapidly 'clean' your energy channels from all the blocks and obstacles that slowdown free and healthy flow of the life energy - Chi.
--------------------------------------------------------Writing for The Soul: An Autobiography and Guide for the Broken Down [Kindle Edition]
http://www.amazon.com/gp/product/B00BUTMVPM/ref=oh_d__o02_detail...
Pub. 3/14/13Writing for The Soul: An Autobiography and Guide for the Broken Down is the story of author Dylon J. Serpa's journey through depression. It reveals the ugliness of mental health disorders including raging fits during basketball games, striking ones parent and more. The story also follows the story of a younger teens terrible struggle through depression and how writing therapy allowed her to express herself. The book also doubles as a guide, showing the beneficial components of writing therapy.
------------------------------132+ Delicious Salads, Dressings And Dips (Gabrielle's FUSS-FREE Healthy Veg Recipes) [Kindle Edition]
http://www.amazon.com/gp/product/B00BQTE3PW/ref=oh_d__o03_detail...
Pub. 3/7/13From the jaw droppingly simple to wonderfully inventive creations, you can (re-) inject some healthy magic into your mealtimes. No matter what your food preferences are - omnivore, vegetarian, vegan, raw-food, 'paleo' or meat eater, you'll discover how to transform salads into must-have meals and tasty side dishes. Making sensational salads, delicious dressings and delectable dips is one sure fire way to delight your taste buds easily! Let Gabrielle lead you on your own personal salad revolution! Never be bored with the same old boring salads again. Salads can be the flagship of any meal when you have the know-how. Sometimes it's in the salad itself. Other times it's in what you dress it with. Imagine combining two winning recipes which may very well inspire even the most salad-phobic of folk. Gabrielle shows you:How to create delicious salads, dressings and dips all fuss-free, tried and tested and using easy-to-find ingredients!
How to make even the most often-used salad ingredients taste different, by cleverly preparing your vegetables to vary consistency and "mouth-feel". And what a difference that makes.
How simplicity can make you a winner in the kitchen. Some salad recipes you will learn are beautiful precisely because of their simplicity.
How you don't always need a complex or long list of ingredients to make your creations interesting or delicious.
Many versatile recipes, ranging from simple right through to Gabrielle's famous and sophisticated "super salads" showing you how to use anywhere from a handful of ingredients to a cornucopia of produce, all with spectacular result.
It's no secret that eating fresh (mostly) raw vegetables is one of your keys to vibrant health. Join the growing wave of people who believe fresh food should be our medicine and make the transition away from "packaged and processed foods" easily by eating more salads.Gabrielle Raiz is also the author of the best-seller "Green Smoothie Magic". In this 200+ page volume she brings you well over 132 easy-to-prepare, fuss-free Salads, Dressings and Dips that will refresh your senses day in and day out ... deliciously!
-------------------------------Eat to Beat Stress: 10 Super Foods to Prevent Major Symptoms of Stress
http://www.amazon.com/gp/product/B00AS074VA/ref=oh_d__o04_detail...
Pub. 3/21/12Leah Borski is a work-at-home mom, family nutrition enthusiast, fitness & wellness Coach, and TheFamilyTableCookbook.com author/blogger. In Eat to Beat Stress, she lays out a simple and direct guide for using food to defeat five major symptoms of stress. Research shows that when people feel stressed, they reach for food. The trouble lies in the types of food sought out during these times. Studies have found a tendency toward fatty, high-sugar foods, which throw off the bodys ability to function effectively and essentially drive people into a vicious cycle of compounded stress and poor eating habits. Eat to Beat Stress demonstrates simply the mechanics of such a pattern and provides a fast-track to breaking it with 10 nutrient rich foods - including protein foods, grains, and fruits & veggies that specifically target 5 major symptoms of stress. In this booklet, readers will find an easy-to-use list of superfoods with a brief description of each foods stress-fighting benefits, photos, serving ideas, shopping tips, cooking instructions, make-ahead tips, recipes from The Family Table Cookbook website, and a sneak preview section of family-friendly recipes from the upcoming publication The Family Table Cookbook: Cook Smart, Stress Less, Eat Better...Together. Each delicious recipe is quick to prepare and includes specific serving tips and instructions for babies and kids (8 months of age and older) so that everyone in the family can easily benefit from the powerful nutrition and stress-busting qualities of these foods. ]
Title Lawyers changed HUD amounts AFTER closing and signing.. want me to pay
Added on : Wednesday March 27th 2013 01:01:19 PM
I was supposed to get $1200 back from refinance closing and now they emailed me and said they made a mistake saying I actually OWE $1200 - do they have legal ramifications to do so? HUD papers I signed show I should receive $1200 back. I believe loan is already funded(?) so if I don't agree shouldn't it not matter since the loan is already in the new bank? Title lawyer says to call bank to fix HUD mess, and bank says to call title lawyer. My line of thinking - if the bank already has my mortgage, why pay the title lawyers for their goof (PS their HUD numbers don't make any sense since they included property taxes even though I never escrowed).Thanks.
OfficeMax has a coupon for 20% off Software thru March 30th. This brings the price of Adobe Photoshop CS6 down to $559.99 from $699.99. This is for all versions (PC, Mac, Retail Box, Download), and for that matter for other versions of Adobe products (all software is 20% Off). You can make it cheaper by using your MaxPerks Rewards card for an additional 5% back... and FatWallet CashBack also offers up to 4% back at OfficeMax.com.I bought the download version to save on taxes as well, as there was no tax on the download version.I had actually bought the retail box version of Adobe Photoshop CS6 for Mac at BHPhotoVideo.com a couple days ago for $589.99 as that was the cheapest I've seen, but I've obviously cancelled that order as this is an even better deal.
OfficeMax Coupons
OfficeMax Coupons
https://www.elizabethstreetcontests.com/hmgiveaway/MUST ACCEPT NEWSLETTERS
1.H&M Onesie Giveaway: How to Enter: Beginning March 21, 2013, at 12:01 a.m. (ET) through April 21, 2013, at 11:59 p.m. (ET), go to www.elizabethstreetcontests.com/hmgiveaway and submit the entry form pursuant to the on-screen instructions. Sponsor reserves the right to terminate the Onesie Giveaway at any time, for any reason or no reason.
Recipients Selection: Each participant that submits multiple entries (as provided in the on-screen instructions) will receive up to three (3) Giveaway Packages each comprising of: one (1) baby onesie and one (1) printed catalog containing a 20% discount coupon on purchases of kids and baby products.
Giveaway Package & Approximate Retail Value: Each Giveaway Package contains one (1) baby onesie suggested retail price of $12.95 and one (1) printed catalogue (retail value $0). The Giveaway Packages will be awarded to participants subject to Giveaway Packages availability. As soon as practicable when supplies are finished Sponsor will in its own discretion either post a notice online or terminate the Onesie Giveaway. The use of the coupon by participants shall be regulated by the terms of the coupon. Coupons are not cumulative and cannot be combined with other offers or discounts. Entrants will be notified via phone, e-mail, or postal mail, at Sponsor's discretion, on or about April 30st, 2013 or will receive the Giveaway Packages by mail.
2. ENTRIES: Each participant to the H&M Onesie Giveaway that submits multiple entries (as provided by the on-screen instructions) will receive up to (3) Giveaway Packages per person and/or email address for the (referred to as the "Promotion").
More than three (3) entries from the same person and/or email address will be disqualified at the discretion of the Sponsor. Entries using macro, robotic, script, or other forms of automatic entry will be disqualified. Entries become the property of the Sponsor and will not be returned. Proof of submission does not constitute proof of receipt. If there is a dispute as to the identity of entrant, the Giveaway Packages will be awarded to the authorized account holder of the e-mail address. The "authorized account holder" is defined as the natural person to whom the e-mail address is assigned by an Internet service provider, online service provider, or other organization (e.g., business, educational institution, etc.) that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address.
3. ELIGIBILITY: Open to legal residents of the 50 United States and the District of Columbia who are 18 years of age or older. Void in Puerto Rico and where prohibited by law. Employees of Sponsor, its parents, affiliates, and subsidiaries, participating advertising and promotion agencies, and Giveaway Packages suppliers (and members of their immediate family and/or those living in the same household of each such employee) are not eligible.
4. CONDITIONS OF PARTICIPATION: In order to enter the Promotion, you must (i) complete the entry form pursuant to the on-screen instructions, and enter your complete information including a valid US mailing address, e-mail address, and (ii) accept to receive mail offerings, email communications from the Sponsor and/or any of its business partners, and the Elizabeth Street newsletter by email from Elizabethstreet.com, and (iii) accept to receive mail offerings, email communications from H & M Hennes & Mauritz AB or its affiliated companies. If you fail to (i) complete the entry form pursuant to the on-screen instructions, or (ii) to enter your complete information including a valid US mailing address, e-mail address or (iii) do not accept to receive mail offerings, email communications from the Sponsor and/or any of its business partners and the Elizabeth Street newsletter by email from Elizabethstreet.com and (iv) to receive email offers and other communications from H & M Hennes & Mauritz AB or its affiliated companies, your name will not be included in the list of participants for purposes of obtaining the Giveaway Package(s) as provided herein by the Sponsor. For purposes of this Promotion P.O. Boxes are not considered as a valid US mailing addresses. Entries generated by script, macro or other automated means are void, as are entries that are illegible, garbled, incomplete or that contain errors. Normal time, toll, connection and usage rates, if any, charged by your Internet service provider will apply. Entrants must fill out all the information requested and have a valid e-mail address, and a valid US mailing address and it is entrant's responsibility to update Sponsor of any change in e-mail address or mailing address by notifying the Sponsor at the address indicated below. Expenses not specifically included in Giveaway Package description and all taxes are the sole responsibility of the winner. Each Giveaway Package is awarded "AS IS" with no warranty or guarantee, either express or implied, outside of manufacturer's limited warranty, and cannot be exchanged or returned. No transfer, assignment, or substitution of a Giveaway Package is permitted, except that Sponsor reserves the right to substitute an item in the Giveaway Package with an item of equal or greater value in the event that an advertised item is unavailable. All federal, state, provincial, and local laws and regulations apply. Entrants agree to be bound by the terms of these Official Rules and by the decisions of Sponsor, which are final and binding on all matters pertaining to this Promotion. Winner may be required to sign and return an Affidavit of Eligibility, a Liability Release, and, where legally permissible, a Publicity Release within 7 days following the date of first attempted notification. Failure to comply with this deadline may result in forfeiture of the Giveaway Package and selection of an alternate winner. Return of any Giveaway Package/Giveaway Package notification as undeliverable may result in disqualification and selection of an alternate winner. Winner hereby further agrees that he/she will sign any documents necessary to transfer copyright of the entry to Sponsor within 7 days following the date of first attempted notification. By accepting Giveaway Package, participant agrees to hold Sponsor, its advertising and promotion agencies and their respective parent companies, subsidiaries, affiliates, partners, representative agents, successors, assigns, officers, directors, and employees harmless for any injury or damage caused or claimed to be caused by participation in the Promotion or acceptance or use of the Giveaway Package. Sponsor is not responsible for any printing, typographical, mechanical, or other error in the printing of the offer, administration of the Promotion, or in the announcement of the Giveaway Package.
1.H&M Onesie Giveaway: How to Enter: Beginning March 21, 2013, at 12:01 a.m. (ET) through April 21, 2013, at 11:59 p.m. (ET), go to www.elizabethstreetcontests.com/hmgiveaway and submit the entry form pursuant to the on-screen instructions. Sponsor reserves the right to terminate the Onesie Giveaway at any time, for any reason or no reason.
Recipients Selection: Each participant that submits multiple entries (as provided in the on-screen instructions) will receive up to three (3) Giveaway Packages each comprising of: one (1) baby onesie and one (1) printed catalog containing a 20% discount coupon on purchases of kids and baby products.
Giveaway Package & Approximate Retail Value: Each Giveaway Package contains one (1) baby onesie suggested retail price of $12.95 and one (1) printed catalogue (retail value $0). The Giveaway Packages will be awarded to participants subject to Giveaway Packages availability. As soon as practicable when supplies are finished Sponsor will in its own discretion either post a notice online or terminate the Onesie Giveaway. The use of the coupon by participants shall be regulated by the terms of the coupon. Coupons are not cumulative and cannot be combined with other offers or discounts. Entrants will be notified via phone, e-mail, or postal mail, at Sponsor's discretion, on or about April 30st, 2013 or will receive the Giveaway Packages by mail.
2. ENTRIES: Each participant to the H&M Onesie Giveaway that submits multiple entries (as provided by the on-screen instructions) will receive up to (3) Giveaway Packages per person and/or email address for the (referred to as the "Promotion").
More than three (3) entries from the same person and/or email address will be disqualified at the discretion of the Sponsor. Entries using macro, robotic, script, or other forms of automatic entry will be disqualified. Entries become the property of the Sponsor and will not be returned. Proof of submission does not constitute proof of receipt. If there is a dispute as to the identity of entrant, the Giveaway Packages will be awarded to the authorized account holder of the e-mail address. The "authorized account holder" is defined as the natural person to whom the e-mail address is assigned by an Internet service provider, online service provider, or other organization (e.g., business, educational institution, etc.) that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address.
3. ELIGIBILITY: Open to legal residents of the 50 United States and the District of Columbia who are 18 years of age or older. Void in Puerto Rico and where prohibited by law. Employees of Sponsor, its parents, affiliates, and subsidiaries, participating advertising and promotion agencies, and Giveaway Packages suppliers (and members of their immediate family and/or those living in the same household of each such employee) are not eligible.
4. CONDITIONS OF PARTICIPATION: In order to enter the Promotion, you must (i) complete the entry form pursuant to the on-screen instructions, and enter your complete information including a valid US mailing address, e-mail address, and (ii) accept to receive mail offerings, email communications from the Sponsor and/or any of its business partners, and the Elizabeth Street newsletter by email from Elizabethstreet.com, and (iii) accept to receive mail offerings, email communications from H & M Hennes & Mauritz AB or its affiliated companies. If you fail to (i) complete the entry form pursuant to the on-screen instructions, or (ii) to enter your complete information including a valid US mailing address, e-mail address or (iii) do not accept to receive mail offerings, email communications from the Sponsor and/or any of its business partners and the Elizabeth Street newsletter by email from Elizabethstreet.com and (iv) to receive email offers and other communications from H & M Hennes & Mauritz AB or its affiliated companies, your name will not be included in the list of participants for purposes of obtaining the Giveaway Package(s) as provided herein by the Sponsor. For purposes of this Promotion P.O. Boxes are not considered as a valid US mailing addresses. Entries generated by script, macro or other automated means are void, as are entries that are illegible, garbled, incomplete or that contain errors. Normal time, toll, connection and usage rates, if any, charged by your Internet service provider will apply. Entrants must fill out all the information requested and have a valid e-mail address, and a valid US mailing address and it is entrant's responsibility to update Sponsor of any change in e-mail address or mailing address by notifying the Sponsor at the address indicated below. Expenses not specifically included in Giveaway Package description and all taxes are the sole responsibility of the winner. Each Giveaway Package is awarded "AS IS" with no warranty or guarantee, either express or implied, outside of manufacturer's limited warranty, and cannot be exchanged or returned. No transfer, assignment, or substitution of a Giveaway Package is permitted, except that Sponsor reserves the right to substitute an item in the Giveaway Package with an item of equal or greater value in the event that an advertised item is unavailable. All federal, state, provincial, and local laws and regulations apply. Entrants agree to be bound by the terms of these Official Rules and by the decisions of Sponsor, which are final and binding on all matters pertaining to this Promotion. Winner may be required to sign and return an Affidavit of Eligibility, a Liability Release, and, where legally permissible, a Publicity Release within 7 days following the date of first attempted notification. Failure to comply with this deadline may result in forfeiture of the Giveaway Package and selection of an alternate winner. Return of any Giveaway Package/Giveaway Package notification as undeliverable may result in disqualification and selection of an alternate winner. Winner hereby further agrees that he/she will sign any documents necessary to transfer copyright of the entry to Sponsor within 7 days following the date of first attempted notification. By accepting Giveaway Package, participant agrees to hold Sponsor, its advertising and promotion agencies and their respective parent companies, subsidiaries, affiliates, partners, representative agents, successors, assigns, officers, directors, and employees harmless for any injury or damage caused or claimed to be caused by participation in the Promotion or acceptance or use of the Giveaway Package. Sponsor is not responsible for any printing, typographical, mechanical, or other error in the printing of the offer, administration of the Promotion, or in the announcement of the Giveaway Package.
So, I bought a used car private party and paid with a cashier's check from the bank with the year, model, trim, and engine type in the memo (probably would have been better to put the VIN). Anyhow, I haven't seen a recent title before this and didn't realize that it was actually a photo copy... the paper quality was pretty good. In any event, I went to get my title and found this out. I informed the seller and he search and found the original title. So, I met him and picked it up and had it filled out properly... I take it to the DMW and it is actually the original "original" title and he had requested two duplicates, invalidating the original.I am very frustrated at this point and I have put some work into getting this car running well, including new tires.I informed the seller again, and he is asking for the VIN and my current address and my name.Call me paranoid, but I don't want to give him my address... At this point, he could claim that he didn't sell the car to me and bring the "correct" title. Am I being ridiculous? I have the original title and a photocopy of the latest duplicate each stating the he sold it to me, and I have can pull the cashier's check information from the bank. That doesn't mean he could try and have the authorities sent over here and seize he vehicle.It isn't a matter of getting the title to me... I work in the same building (not the same employer) and it is near his home. There is a DMV right around the corner, too.So, should I just bluntly tell him "no" on the address? I believe he is saying that he needs to get a new duplicate, because he lost it too. The CarFax on it was clean showing a lien from his credit union, but that is released on the original title. I don't think that there is a way for him to directly title it in my name, is there? He could just be trying to smooth this out, but I am not in a position where I can be without this car.Also, is there any way I can get this registered in my name without the title? I have no idea how that works, but leases work that way, essentially, don't they (speculating here).Thanks in advance.State is Indiana, if that helps.
NETGEAR WNDR3700-100NAR N600 Dual Band Gigabit Router IEEE 802.11a/b/g/n, IEEE 802.3/3u/3ab - $59.99 refurb today only
Added on : Tuesday March 19th 2013 06:00:03 PM
This is a killer router and if you're not afraid of refurb, this is a killer deal. $69.99 and put in promo code EMCXTWS227 for extra $10 off. Ends 3/20 (so might work tomorrow)http://www.newegg.com/Product/Product.aspx?Item=N82E16833122470Here is part of a review that was listed as most helpful (this was on the new units however):Gigabit lan ports that offer a *reliable* connection, even when throwing as much traffic as my network can generate at it. Hosting online matches, multiple large torrents, FTP, serving up HD video from an attached external drive, etc etc etc. If it's possible to make this thing drop a connection, I've yet to find a way to do so. True Dual band wireless N, so I can stay connected on my iPhone without making my N-packing laptop pay the price in speed. Netgear's award winning QoS functionality, that couldn't be easier to set up. Wall mountable, if you're so inclined. Great looks, which might matter depending on your placement options. The option to setup virtual wireless guest networks, so your friends can check their email and such while visiting, but not have access to your private network, or so you can be a nice guy and offer up an unsecured wifi hotspot to your neighbors, but keep the speed throttled down with the QoS controls so it doesn't affect your torrent speeds or gaming lag.
Newegg Coupons
Newegg Coupons
E-Z Up Sierra II Canopy 10x10 - $55 Sears in store pick up
Added on : Tuesday March 19th 2013 02:00:04 PM
Add to cart for $59.99, then apply promo code VALPAK5 for additional $5.00 off. Choose free in-store pickup to avoid shipping charges. Great price for an EZ up!Text
Product DescriptionSun Safety In Comfort With The E-Z Up Sierra II
Whether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.
Safer than most, the canopyfeatures a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.
Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.
So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!
Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Sears Coupons
Product DescriptionSun Safety In Comfort With The E-Z Up Sierra II
Whether youre camping, at the beach, tailgating or having a barbeque, the E-Z Up Sierra II Canopy is a great way to keep food, drinks and people out of the sun to better enjoy those long summer days in comfort. Getting outside and enjoying the fresh air is important but nothing stings quite as much as sunburn. Take shade with you in the quick-up and down canopy thats lightweight and easily portable for on-the-go comfort wherever you travel.
Safer than most, the canopyfeatures a water and fire-resistant top that blocks out 99% of harmful UV rays with its interior silver coating. So if youre planning on tailgating, you can pull the grill a little closer than with lesser canopies for faster cooking and less exposure to the elements. A great way to enjoy fresh air in comfort, this canopy makes a great addition to any outdoor event.
Quick to set-up, the canopys expanding frame work opens fluidly while the blue cover slips on snug for a tight grip in fierce weather. When youre looking for sure footing, the included ground spikes firmly anchor this canopy giving it a secure base to help resist unpredictable gusts of winds. Packing up is a cinch in all kinds of weather, too. The folding frame closes tight, the top folds-up and everything fits perfectly in the handy roller bag for quick transportation and tidy storage.
So no matter where youre heading, if youre planning on staying for a bit, bring the convenient protection and cooling shade of the E-Z Up Sierra II, and cut down on sunburn, costly spoiled food and the bitter taste of sun-heated drinks. At a great price, this canopy is an easy, affordable way to create a comfortable environment wherever you go. Toss it in your trunk, and always be ready for cool summer fun!
Folding canopy
10 x 10 base, 8 x 8 canopy
64 sq. ft. interior space
Removable side wall
Polyester top with silver coating
Water resistant, fire retardant fabric - meets CPAI-84 requirements
Comes with handy roller bag and spikes
Easy to use pull-pin sliders on legs-no more pinched fingers
Includes free half-wall for extra shading
Includes wheeled carry bag for easy portability
Angled legs for increased support
Frame finish: Powder coat
Top color: Blue with white piping
Weight: 38 lbs.
Warranty: 2 years
Sears Coupons
Is it EVER appropriate to keep a whole (cash value) life insurance policy?
Added on : Tuesday March 19th 2013 09:01:15 AM
I've been doing reading all weekend about whole term policies. The consensus seems to be - bad investment vehicle, too expensive for insurance, a possibly good tool for really rich people for estate planning. I recently inherited 3 policies that my dad got on my when I was 6 - I am now 36. Ignoring whether or not it was a good investment of my Dad's (as that cannot be changed), in my shoes I have 3 policies (two 65 Life and one whole life) from NW mutual. The annual premiums combined are about $600. The net death on the 65 Life are about 50k apiece, the whole life is 25k (and seem to rise with age). The kicker - he took some loans out of them to help pay for my college (which seems to be one of the things they tell you when they sell you these things). If I kept them, I would probably pay off the loans (which I can comfortably do) with my HELOC to get the interest rate down from 6% to 2.8% and use them as life insurance - i.e. leave them til I die and my wife or child would receive them. Although it does seem from my reading that at some point the cash value = net death. I realize that whole term is not something 98% of people should ever get and I don't believe I fall into that category of very wealthy that might need them, but if you 'inherited' them after 30 years of payments on them, are they worthwhile? If so at what percentage of cash value/loans should you bail? Should I just get a chunk of term first, cash them out and invest that plus the premiums (seemingly the consensus, but I'm not sure if my situation of taking them 'mid stream' changes things)? I've read these policies don't become worthwhile until after 30 years or so, keep in mind I never made any of those initial payments. I certainly do not trust the NW mutual agent to ask these questions to. I have some projections that show the growth, but those are from the NW mutual agent and I'm sure are a rosy best case scenario.Little help from those much smarter than me on this matter is appreciated
Hi all,Found this forum through a google search, and you all seem like knowledgeable people so I was wondering if you could help me wrap my head around the foreign concept to me that is credit and credit scores.Background: I applied for and was approve a Discover student card in early 2011 with a limit of $2,000 (which has since been increased to $2,750 by them). I've paid every month in full on time, however I've definitely gone above the recommended 30% utilization (in my mind, as long as I always paid in full, and on time (and I know I always will) why does it matter that I use most of my credit? Obviously I'm wrong so says the banking overlords...). I also have an AMEX gold card through my parent's account which shows up on my Credit report as having never missed a payment dating back to early 2003. The past two years I've checked my free annual credit reports (I check in December) and they all show no problems. I signed up for the FICO trial and my FICO score was 738.I applied for a Chase Freedom card (I didn't realize it was considered a "platinum" card, I was just looking for a good MasterCard to complement my Discover card) and was rejected. My Experian score came back as 649 which I was surprised by considering my much higher FICO score. The experian report shows no bad marks. The rejection letter from Chase cited these as the reason for the decline:
- Total available credit on card accounts is too low (My discover card has the aforementioned limit. My AMEX card actually has no limit)
- Insufficient credit information
- Too few satisfactory accounts opened greater than 5 monthsI noticed the Experian report only lists my AMEX card in the report (although the report from last December lists both cards).I know credit scores are as big mystery box and are kept that way on purpose, but I'm just hoping someone might read over this and be able to provide some insight as to why Experian thinks I'm "sub-prime".
- Total available credit on card accounts is too low (My discover card has the aforementioned limit. My AMEX card actually has no limit)
- Insufficient credit information
- Too few satisfactory accounts opened greater than 5 monthsI noticed the Experian report only lists my AMEX card in the report (although the report from last December lists both cards).I know credit scores are as big mystery box and are kept that way on purpose, but I'm just hoping someone might read over this and be able to provide some insight as to why Experian thinks I'm "sub-prime".
I hope the FWF group can help me with some basic info here!I have an LLC that is starting to become cashflow positive. Currently I have 2 brothers that are essentially partners with me but the paperwork has still not be submitted for this. So as far as any legal matters are concerned it's just me. We want to start splitting profits (i.e. they each get 20% of net profits) but we're trying to figure out the best way to handle this.We have never paid any employees before so I have a couple questions:1) What tax implications will this have?
2) Is it better to pay them as partners (officially submit the paperwork) or pay them as contractors? Does it even make a difference?
3) Anything else I might be missing?I apologize if this seems basic, but it's our first business.Thanks!
2) Is it better to pay them as partners (officially submit the paperwork) or pay them as contractors? Does it even make a difference?
3) Anything else I might be missing?I apologize if this seems basic, but it's our first business.Thanks!
Buy ahead with Western Union Value Packs!Sending money online is easy with Western Union Value Packs.
For a limited time, you can purchase a bundle of 3, 5, or 10 money transfer vouchers for a one-time fee* while supplies last- no matter how much you send or where you send it youve already paid your money transfer fee! Vouchers are only available to residents in TX, NY, GA, IL, NJ, NC, PA, Mass, WA and Mich.Learn more - Western Union Value Pack Terms and ConditionsLimited time offer. The Western Union Value Pack promotion codes expire on March 31st, 2014. ** WESTERN UNION ALSO MAKES MONEY CURRENCY EXCHANGE. Valid only for Western Union Money Transfer and Western Union Quick Collect transactions completed at WesternUnion.com. Excludes all other services. Western Union reserves the right to offer promotional discounts that cannot be combined with Value Pack service fee reductions. You must pay any applicable taxes on undiscounted transfer fees. Void where prohibited. Void if transferred, sold, or bartered. Western Union is not responsible for any lost or stolen vouchers. Valid only in TX, NY, GA, IL, NJ, NC, PA, Mass, WA and Mich. Vouchers expire March 31st, 2014.http://www.westernunion.com/wupay/gift-cards/wuvaluepack/
For a limited time, you can purchase a bundle of 3, 5, or 10 money transfer vouchers for a one-time fee* while supplies last- no matter how much you send or where you send it youve already paid your money transfer fee! Vouchers are only available to residents in TX, NY, GA, IL, NJ, NC, PA, Mass, WA and Mich.Learn more - Western Union Value Pack Terms and ConditionsLimited time offer. The Western Union Value Pack promotion codes expire on March 31st, 2014. ** WESTERN UNION ALSO MAKES MONEY CURRENCY EXCHANGE. Valid only for Western Union Money Transfer and Western Union Quick Collect transactions completed at WesternUnion.com. Excludes all other services. Western Union reserves the right to offer promotional discounts that cannot be combined with Value Pack service fee reductions. You must pay any applicable taxes on undiscounted transfer fees. Void where prohibited. Void if transferred, sold, or bartered. Western Union is not responsible for any lost or stolen vouchers. Valid only in TX, NY, GA, IL, NJ, NC, PA, Mass, WA and Mich. Vouchers expire March 31st, 2014.http://www.westernunion.com/wupay/gift-cards/wuvaluepack/
Hi all,I am in process of building/buying a home - pursuing different options I guess.
I am looking for best returns for the $ I spend....nothing more nothing less...I hate to fall into builders traps - trying to show couple of plans and even if you ask them to change a dry wall it costs an arm an a leg...
for option one, i.e. buying a lot and then building home, (just a mid range home, with mid range appliance..nothing fancy)...what can I expect the building costs to be? people are quoting me a wide range....e.g. a builder I know of says $110/sqft all inclusive another says $160/sqft all inclusive....i.e. plan, permit, drawings, material, cabinets, light fixtures etc.etc...off course this is excluding land/lot price. with this much price variance I am totally confused....What is the general construction cost for a typical single family home per sqft? with a certain % of profit for builder...
I live in Illinois (Chicago burbs) if it matters when it comes to costs... Thanks all for your input.
I am looking for best returns for the $ I spend....nothing more nothing less...I hate to fall into builders traps - trying to show couple of plans and even if you ask them to change a dry wall it costs an arm an a leg...
for option one, i.e. buying a lot and then building home, (just a mid range home, with mid range appliance..nothing fancy)...what can I expect the building costs to be? people are quoting me a wide range....e.g. a builder I know of says $110/sqft all inclusive another says $160/sqft all inclusive....i.e. plan, permit, drawings, material, cabinets, light fixtures etc.etc...off course this is excluding land/lot price. with this much price variance I am totally confused....What is the general construction cost for a typical single family home per sqft? with a certain % of profit for builder...
I live in Illinois (Chicago burbs) if it matters when it comes to costs... Thanks all for your input.
I had taken mortgage through BAC a little more than 2 years ago. I setup auto withdrawals from my checking account. Last year, they lost my paperwork and sent someone over to my house in early November 2012 to get the paper work signed up again. We signed it and returned it back to BAC. I had an inkling that they may screw up my auto-payments so I watched them withdraw in November and December 2012. I thought - wow! finally a bank that has its systems working. I watched it for 2 months and let my guard down. Big mistake!! They did not withdraw in January and February. I did not suspect anything. Now I get a letter in mail saying I am late for 2 payments and the matter has been sent over to their collection department. When I go to their website to make a payment (I have the money), I am asked to provide reasons for not paying. Of course, all the reason hold me responsible for this. Tomorrow morning, I am going to call their customer service department and see how I can salvage the situation.I want to reach out to people who have been through a similar situation and any outcomes/tips they can share. Especially, the impact on credit score and how that impact can be avoided, if at all. TIA.
Grand Resort Radian 13ft x 13ft Sun Shelter Now $1889.99 Savings applied in cart Sears
Added on : Saturday March 16th 2013 11:00:12 AM
Text
http://www.sears.com
Grand Resort Radian 13ft x 13ft Sun Shelter
NEW Item !| | Sears Item# 07118550000 | Model# 999-3149159
$2799.99 Savings: $700.00 $2099.99 Now $1889.99 Savings applied in cart Sold by Sears
Online Only! 48 Hr Sale! Extra 10% off patio furniture..outdoor decor. Offer ends 16-Mar-2013 See details.
Special Financing Event! Extra 5% or 12 months no financing on Outdoor Living items of $299 and up Offer ends 06-Apr-2013 See details.
Online Only! Free standard home delivery on select Patio Furniture sets over $299, Sold by Sears. Offer ends 23-Mar-2013 See details.
No interest if paid in full within 12 months when you use a qualifying Sears card on all items over $299 through 03/31/2013.Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 12 months or if you make a late payment. Minimum payments required. Items sold by Sears only. See details
Product Description Transform your backyard into an entertaining mecca with this luxurious Radian Sun Shelter. Set on a durable, powder-coated aluminum frame, the Radian Sun Shelter features state-of-the-art polycarbonate roof panels that protect you and your loved ones from the elements and harmful UV rays while allowing soft light to filter through. The unique, octagonal shape is beautifully accented by an ornate steel fence and is the perfect size and shape for a round, hexagonal, or octagonal dining set. No matter how you use it, the Radian Sun Shelter will house many lasting memories for the whole family.
4 season octagonal sun shelter
8 mm, corrugated polycarbonate sheet roof provides shelter and shade
13.5 ft x 13.5 ft coverage
Durable and rust-free aluminum frame
Rich chocolate color
Replacement parts available
Limited warranty
Dimensions
163" L x 163" W x 120.75" H
Sears Coupons
http://www.sears.com
Grand Resort Radian 13ft x 13ft Sun Shelter
NEW Item !| | Sears Item# 07118550000 | Model# 999-3149159
$2799.99 Savings: $700.00 $2099.99 Now $1889.99 Savings applied in cart Sold by Sears
Online Only! 48 Hr Sale! Extra 10% off patio furniture..outdoor decor. Offer ends 16-Mar-2013 See details.
Special Financing Event! Extra 5% or 12 months no financing on Outdoor Living items of $299 and up Offer ends 06-Apr-2013 See details.
Online Only! Free standard home delivery on select Patio Furniture sets over $299, Sold by Sears. Offer ends 23-Mar-2013 See details.
No interest if paid in full within 12 months when you use a qualifying Sears card on all items over $299 through 03/31/2013.Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 12 months or if you make a late payment. Minimum payments required. Items sold by Sears only. See details
Product Description Transform your backyard into an entertaining mecca with this luxurious Radian Sun Shelter. Set on a durable, powder-coated aluminum frame, the Radian Sun Shelter features state-of-the-art polycarbonate roof panels that protect you and your loved ones from the elements and harmful UV rays while allowing soft light to filter through. The unique, octagonal shape is beautifully accented by an ornate steel fence and is the perfect size and shape for a round, hexagonal, or octagonal dining set. No matter how you use it, the Radian Sun Shelter will house many lasting memories for the whole family.
4 season octagonal sun shelter
8 mm, corrugated polycarbonate sheet roof provides shelter and shade
13.5 ft x 13.5 ft coverage
Durable and rust-free aluminum frame
Rich chocolate color
Replacement parts available
Limited warranty
Dimensions
163" L x 163" W x 120.75" H
Sears Coupons
Buying a used car... is it worth it? (how old is too old?)
Added on : Friday March 15th 2013 09:02:01 AM
So i drive a 98 Durango. 190k miles and in pretty good shape. I've done most of my own repairs (water pump, ac, radiator etc) however I know cars don't last forever... so I'm always looking for a graceful exit strategy. My friend let me know he is selling his 2001 Tacoma with 99k. This has been a vehicle I've wanted, albeit I was hoping for something a little newer (2008 or newer) He has been the only owner and done all the maintenance (new water pump, tires, plugs and wires). He has just used it to commute 20 miles a day. It's pretty much has all the options, double cab, Pre-Runner V6, leather (not 4x4), however I was SHOCKED at the price $10,600 He told me that was in line with KBB. Sure enough he was right. However, edmunds.com has it more in the 6500-7000 range. Also on craigslist, similar vehicles are listed around 10k...So my question is, as i've obviously been out of the car market for a long time, please help me realize if this is something I should pursue or not and if I should go for the edmunds price or somewhere between KBB and edmunds, I really couldnt believe the discrepancy. I have the cash, but it kills me to pay roughly 10k for a depreciating asset that is already 12 years old with roughly half its life used up (99k miles might not be half way on a Toyota). I can't believe Toyotas hold their value this well. Do I just need to man up and realize the used car market is like this now? Plus I'd only be "trading up" by 3 years from my current vehicle. I can only sell my durango for MAYBE 2k.
I have only a short commute so, if I put only 7k miles a year, the truck could last me another 10 years, easy, but then it would be 22 years old! At some point rubber and other parts starts to deteriorate/fall apart no matter the miles and how well you take care of it, due to age, right? Spare the Crown vic jokes, I already pass a place everyday on my way to work where a guy always has 3 or 4 interceptors for sale (03' or 04' for roughly 3k-4k, maybe I should just buy one of those when my beloved durango dies)Thanks for the advice!
I have only a short commute so, if I put only 7k miles a year, the truck could last me another 10 years, easy, but then it would be 22 years old! At some point rubber and other parts starts to deteriorate/fall apart no matter the miles and how well you take care of it, due to age, right? Spare the Crown vic jokes, I already pass a place everyday on my way to work where a guy always has 3 or 4 interceptors for sale (03' or 04' for roughly 3k-4k, maybe I should just buy one of those when my beloved durango dies)Thanks for the advice!
MunSoft Data Recovery Suite - normally $99.95 - FREE @giveawayoftheday
Added on : Friday March 15th 2013 03:00:04 AM
http://www.giveawayoftheday.com/munsoft-data-recovery-suite
MunSoft Data Recovery Suite is a comprehensive software package, developed to meet the needs of every person that has lost data. It restores all types of files, while offering an all-in-one solution, which saves both money and time. It consists of 6 data recovery programs: Easy Drive Data Recovery, Easy Digital Photo Recovery, Easy Office Recovery, Easy Access Recovery, Easy Word Recovery, Easy Archive Recovery but its installed as one, separated in 6 automatically.The reason for data loss doesnt matter, whether the files were accidentally deleted, damaged severely or corrupted by malware, located on a formatted disk or failed to survive reinstalling the OS, MunSoft Data Recovery Suite can recover them all. A special technology, Raw Search, allows scanning and recognizing nearly a 100 types of files and once found, a file can be previewed and, if visible, restored. Even if the information is no longer a part of a file system, MunSoft Data Recovery Suite recognizes it and puts back together. With a simple interface and thorough algorithms, its a perfect tool for dealing with nearly every case of data loss.
MunSoft Data Recovery Suite is a comprehensive software package, developed to meet the needs of every person that has lost data. It restores all types of files, while offering an all-in-one solution, which saves both money and time. It consists of 6 data recovery programs: Easy Drive Data Recovery, Easy Digital Photo Recovery, Easy Office Recovery, Easy Access Recovery, Easy Word Recovery, Easy Archive Recovery but its installed as one, separated in 6 automatically.The reason for data loss doesnt matter, whether the files were accidentally deleted, damaged severely or corrupted by malware, located on a formatted disk or failed to survive reinstalling the OS, MunSoft Data Recovery Suite can recover them all. A special technology, Raw Search, allows scanning and recognizing nearly a 100 types of files and once found, a file can be previewed and, if visible, restored. Even if the information is no longer a part of a file system, MunSoft Data Recovery Suite recognizes it and puts back together. With a simple interface and thorough algorithms, its a perfect tool for dealing with nearly every case of data loss.
Skechers Heart Rate Monitor Watch (Men and Womens) for $17.99 w/ Free Shipping @ 1 Sale A Day
Added on : Thursday March 14th 2013 03:00:03 PM
1 Sale A Day has both Women and Men Skechers Heart Rate Monitor watches for $17.99 w/ Free Shipping.Colors Available: Black, Blue, Silver, Monitor BlackLink: http://1saleaday.com/watch/Product Info
Keeping an eye on your heart rate is easy with the Skechers Go Walk FitWatch. Boasting quick touch technology, this device tracks your heart rate without a chest strap, the amount of steps you take and calories burned from exercise.The large LCD display gives you an easy view of this watches many functions, including a clock and stopwatch which allow you to time your progress. Backlight makes it easy to see your results no matter the time of day. This watch is water resistant. Condition: New
Packaging: Retail Box
Warranty: 60 Day
Manufacturer: Skechers
Model: SK-HR-MONITOR-BLU, SK-HR-MONITOR-BLK, SK-HR-MONITOR-MBLK, SK-HR-MONITOR-SILFeatures Include: Quick touch technology for fast and easy ECG
Accurate heart rate
Strapless heart rate: no chest strap required
Calorie counter
100 hour stopwatch
Percentage of max heart rate
Hi/Lo target Zone Alarm
Calendar
Alarm
Time of day
24 hour countdown timer
Backlight
Water resistant
Large LCD for easy viewing
Available for men or women
Color: Black, Blue, or SilverPackage Includes:
Skechers Heart Rate Monitor Watch
Keeping an eye on your heart rate is easy with the Skechers Go Walk FitWatch. Boasting quick touch technology, this device tracks your heart rate without a chest strap, the amount of steps you take and calories burned from exercise.The large LCD display gives you an easy view of this watches many functions, including a clock and stopwatch which allow you to time your progress. Backlight makes it easy to see your results no matter the time of day. This watch is water resistant. Condition: New
Packaging: Retail Box
Warranty: 60 Day
Manufacturer: Skechers
Model: SK-HR-MONITOR-BLU, SK-HR-MONITOR-BLK, SK-HR-MONITOR-MBLK, SK-HR-MONITOR-SILFeatures Include: Quick touch technology for fast and easy ECG
Accurate heart rate
Strapless heart rate: no chest strap required
Calorie counter
100 hour stopwatch
Percentage of max heart rate
Hi/Lo target Zone Alarm
Calendar
Alarm
Time of day
24 hour countdown timer
Backlight
Water resistant
Large LCD for easy viewing
Available for men or women
Color: Black, Blue, or SilverPackage Includes:
Skechers Heart Rate Monitor Watch
SimCity (2013) at Amazon - $46.34 (Physical Copy)
Just saw today
SimCity - Limited Edition for $46.34 w/2day free ship to prime membersMake sure to pick physical copy. Pretty good deal since I cant find anywhere for less then 59.
http://www.amazon.com/dp/B007VTVRFA/I know the problem with the servers and the whole thing about being online but I love Sim city (previous versions) and I'll live with it. Constructible Worlds - Creative and customizable world that offers unique gameplay benefits, all with a fun tactile interface.
Sims Matter - The Sims in your city speak to you directly and it's up to you to respond to their needs. Will you listen and be the toast of the town? Or abuse your power for fame and fortune?
Specialize in What You Love - Mold your city as a casino resort, manufacturing hub, educational enclave, and more, and then watch as a unique look and feel spread throughout your city.
Multiplayer - Build a region with friends for the first time! Collaborate or compete in regional and global challenges and make decisions that impact the greater SimCity World.
GlassBox Engine - SimCity introduces GlassBox, the revolutionary simulation technology that gives you the power to impact individual Sims lives, manage city level simulation, and balance multiple city simulations at once
Amazon Coupons
Just saw today
SimCity - Limited Edition for $46.34 w/2day free ship to prime membersMake sure to pick physical copy. Pretty good deal since I cant find anywhere for less then 59.
http://www.amazon.com/dp/B007VTVRFA/I know the problem with the servers and the whole thing about being online but I love Sim city (previous versions) and I'll live with it. Constructible Worlds - Creative and customizable world that offers unique gameplay benefits, all with a fun tactile interface.
Sims Matter - The Sims in your city speak to you directly and it's up to you to respond to their needs. Will you listen and be the toast of the town? Or abuse your power for fame and fortune?
Specialize in What You Love - Mold your city as a casino resort, manufacturing hub, educational enclave, and more, and then watch as a unique look and feel spread throughout your city.
Multiplayer - Build a region with friends for the first time! Collaborate or compete in regional and global challenges and make decisions that impact the greater SimCity World.
GlassBox Engine - SimCity introduces GlassBox, the revolutionary simulation technology that gives you the power to impact individual Sims lives, manage city level simulation, and balance multiple city simulations at once
Amazon Coupons
Debunking Crugman, Bernanke and Co - deficits do matter
Added on : Tuesday March 12th 2013 08:02:19 PM
Sorry, I know it's a blog-like post, but I enjoyed the article By Laurence Kotlikoff and just must share:
Krugmans Four Dangerous Fiscal FablesThere are four dangerous fiscal fables afloat. The first is that taxes can be cut to raise revenues and lower the deficit. The second is that spending can be raised to raise revenues and lower the deficit. The third is that the deficit can be financed by printing money with no real consequences. And the fourth, and most dangerous, is that the deficit's accumulated value -- the official debt -- is a meaningful measure of our country's or any country's true indebtedness.Paul Krugman, who has been pleading for more deficit spending on a continuous basis in his New York Times column, is hawking all four fables. Pity our children if our policymakers continue to take his views seriously.The Deficit and RealityLet's start with the worst fable, namely that the debt Krugman is considering is, in fact, the right measure of our government's obligations. The measure Krugman is using is the official debt in the hands of the public, which is $11 trillion. But the true debt, known to economists as the fiscal gap, which includes all the off-the-book obligations of the government, is 20 times larger!These off-the-book obligations include the requirement, under current law, to pay today's 40 million seniors, on average, $30,000 per year in today's dollars in Social Security, Medicare, and Medicaid benefits through the rest of their days. They include the requirement, under current law, to pay today's 78 million baby boomers, when fully retired, $40,000 per head, in today's dollars, in Social Security, Medicare, and Medicaid benefits. They include the requirement to pay for all future military expenditures, all future welfare benefits, all future Supreme Court Justices salaries, and the list goes on.Like interest and principal payments on official government debt, these other payments are coming in the future. But of all the expenditures the government is promising explicitly or implicitly to make in the future, only those called "interest and principal payments" are being valued in the present and included in Krugman's measure of government debt.Perhaps Krugman should sit down with a 75-year-old and ask her whether she thinks the government has an obligation to continue sending her a Social Security check every month or a commitment, under Medicare and Medicaid, to help cover her future healthcare bills. Perhaps he should sit down with an admiral and ask whether the government has an obligation to build new submarines and maintain our fleet over time. Perhaps he should ask the head of the Department of Transportation whether there is a requirement to repair federal highways and build new ones.Krugman would quickly learn that these debts -- these obligations to spend -- are no less real and, indeed, a lot more real than the official debt. The official debt, after all, can be wiped out in real terms by printing money and raising prices. Not the case for our transfer payments and direct government purchases. They are either formally or informally indexed for inflation. As for the politics of who will get paid in a crunch, it's not the official debt holders. Just ask Greek bond holders how they fared in recent years compared to Greek retirees collecting state pensions.Paul Krugman is a Nobel Prize winner in economics. He should know the debt is not well defined -- that what's put on the books and what's kept off the books reflects labeling choices by successive Congresses designed to make the official debt as small as possible because, guess what, people like Krugman are writing about the official debt, but not the unofficial debt.Economists have been discussing this labeling problem and have been producing meaningful fiscal gap measures, that are label-invariant, for 40 years. I wrote a column called Deficit Delusion on this in the Public Interest back in 1984 and one in Science back in 1988. My most recent column is posted on the PBS Newshour site.Yet Krugman says in his most recent column that "I have yet to see any coherent explanation of why these longer-run concerns should determine budget policy right now." The coherent explanation is given by economic theory, which makes crystal clear that the choice of fiscal labels is economically arbitrary and that, as a consequence, the projected path of the government's short and long-term cash flows is arbitrary, and that, as consequence, economic theory does not distinguish short-run vs. long-run budget policy. What economic theory tells us is to look at the entire projected path of policy, measure its fiscal gap, and decide on the basis of the size of its fiscal gap whether the policy is sustainable.The equations of our economic models don't define the debt. It's that simple. Nor do the equations in physics define time or distance. In physics, how you measure time and distance is a matter of your frame of reference, which can be viewed as a language or labeling convention.When I was asked in 1988 by Science to write about economics fiscal relativity problem I was struck that the hard scientists could get this point so quickly and that so many economists could not. But, then again, economists are the tailors of this emperor's new clothes and have a very strong incentive to keep discussing fiscal policy using meaningless measures. Krugman is the chief tailor in this regard.The U.S. fiscal gap of $222 trillion is enormous and totally unsustainable. But rather than discuss the fiscal gap, Krugman discusses the official debt which is one-twentieth as large and, as indicated, a measure of the government's words, not its policies.Of course, once you have the emperor convinced that his new clothes are for real, you can take full advantage of his ignorance. Krugman is doing this with his readers. He's taking advantage of their ignorance by showing that a non-measure of government sustainability, intentionally designed to be as small as possible, is not of major concern. And in claiming that the long-run is distinct in terms of policy from the short run and can be ignored until we reach it, he's persuading his readers that they needn't worry about the fiscal Sword of Damocles suspending over our children's heads.This is fiscal child abuse pure and simple, and Krugman should be ashamed of his contribution to it. There is not a single dynamic model of the economy's dynamic transition being published in leading economics journals that doesn't include the constraint that the fiscal gap be zero. But Krugman simply discards what we academic economists call the government's intertemporal budget constraint.Let's be clear. Generationally speaking, paying for the government's spending is a zero sum game. Eliminating the fiscal gap -- satisfying the government's intertemporal budget constraint -- requires either a) an immediate and permanent 64 percent hike in all federal taxes or b) an immediate and permanent 35 percent cut in all projected government outlays including those called "interest and principal." If we wait a decade to take our medicine, these figures become 70 percent and 38 percent respectively. And, guess what? In that case, our children will face even higher taxes or lower spending over their precious lives.These aren't my estimates of the fiscal gap or what's needed to close it. They are my calculations based on the Congressional Budget Office's long-term fiscal forecast called the Alternative Fiscal Scenario. The CBO publishes this forecast in June each year. Last June the fiscal gap was $222 trillion. In June 2011 it was $211 trillion. It rose by $11 trillion between 2011 and 2012, which is the same amount as the entire stock of federal debt! The reason, in large part, is that baby boomers got one year closer to cashing in on all those Social Security, Medicare, and Medicaid payments which they are owed, but which have conveniently been ignored in tallying up federal debt.Krugman dismisses the terrible zero sum generational game we are playing with our kids. He sees our economy operating at less than full employment and says that if the government spends more on what it labels as purchases or transfer payments the economy will be stimulated, everyone will be hired, and the extra spending covered by the associated extra revenues.Something for NothingThis is the second fable -- demand-side voodoo economics -- that more spending will beget more taxes. But it's also the first fable -- supply-side voodoo economics -- that less taxes will beget more taxes. The reason is that cutting someone's taxes is, apart from words, no different that increasing their transfer payments so since Krugman believes that more transfer payments will pay for themselves, he must, perforce, believe tax cuts pay for themselves.Believing that we can get something for nothing -- that we can, in effect, produce mana from heaven by being more fiscally profligate -- is believing in magic. This is why President Bush, the senior, properly called such fantasies, when they were being espoused by Ronald Reagan, "voodoo economics." And when George Bush, the junior, cut taxes, Krugman routinely skewered him for doing precisely what Krugman is now advocating -- praying for mana.But let's assume Krugman has it right and that gambling yet further with our children's economic future will restore the economy to full employment. How much of the fiscal gap will go away? Precious little.Given the recent tax hike and sequester cuts, my guess is that this June's Alternative Fiscal Projection will look better, that the fiscal gap will fall to $200 trillion, and that we'll be short, on an ongoing basis, not 12 percent of GDP, but 11 percent of GDP.The CBO projection has the economy returning to full employment (defined as 5.5 percent) in 2017.If we could miraculously and immediately get back to full employment at no net budgetary cost via spending that pays for itself that would mean, at most, 5 percent more GDP for 4 years relative to what the CBO projects will arise. In terms of lowering the fiscal gap, this would contribute perhaps 2 percent in net revenue for four years against the 11 percent in additional net revenue needed in those years. But, and this is key, it would do nothing to come up with the 11 percent of GDP in net revenue needed for every year in the country's future beyond 2017. The point is that we'd still have an absolutely enormous fiscal gap to deal with even if more voodoo finance pays for itself and immediately gets the economy back to its potential GDP.Earth to Paul Krugman. We've just spent four years experimenting with demand-side and supply-side economics. During this time, the fiscal gap rose by $42 trillion to its current value of $222 trillion. If the fiscal gap in June is $200 trillion, as I predict, its $22 trillion decline won't reflect the healing power of your crude Keynesian voodoo policy, but real tax hikes and spending cuts.So as a means of achieve fiscal solvency, neither Keynesian demand management nor Reagan supply management is working. Yet Krugman and his partner in economic crime -- Larry Summers -- would say more voodoo medicine is needed. But we gave the patient a very big dose and he didn't respond.Meanwhile the underlying structural drivers of the long-term fiscal gap were ignored with all attention focused on the "short term." Again, every passing year brings us closer to all 78 million baby boomers receiving their benefits. These projected payments are like zero-coupon bonds. We're not feeling any cash-flow pain from them now, because Congress arranged the payment stream to delay when they come due. But they will come due shortly.Social Security, Medicare, and Medicaid expenditures are a 35 percent larger share of GDP today than in 2000. President Obama was able to stabilize this growth in his first term, but he didn't reverse it. Meanwhile, the way his healthcare reform was implemented could lead to explosive costs. There is a huge incentive under the Affordable Care Act for employers to shut down their health insurance plans, pay the relatively small penalty, and ship their workers over to the new health exchanges where the vast majority will get very large subsidies. This was one of the few things that Mitt Romney actually got right. But the Congressional Budget Office doesn't have this baked into their projections as far as I know.Don't Forget About InflationThe last fable -- fable three -- is that we can pay off our debts, no matter their labeling, simply by printing money. There is, today, a band of very prominent pundits and policymakers, I'll call them the Money Printers, who think the U.S., the UK, the Eurozone, and Japan can safely print tons and tons of money, pay their bills with this paper, and never have to worry about inflation. The ranks of the Money Printers include not just Krugman, but also Fed Chairman Ben Bernanke, FT columnist, Martin Wolf, Adair Turner, head of the UK's Financial Services Authority, the new Prime Minister of Japan, Shinzo Abe, IMF chief Christine LaGuarde, and the list goes on.But we've seen this movie for five years now, and it's a horror show. Since 2007, the developed world's central banks have roughly tripled the basic amount of money, called the monetary base, that existed in 2007. This has laid the groundwork for a tripling of the price level, i.e., for hyperinflation. Yet the printing presses continue to run at full tilt every second of every minute of every day. Here, again, we have reckless endangerment of our children with no accounting of the generational risks being imposed.In the last century, 20 countries ended up with hyperinflations by using the printing press to avoid taking fiscal responsibility. Now we have virtually the entire developed world printing money out the wazoo.Krugman's response is, "Where is the inflation? Where are the high interest rates?"My answer is give it time. The long history of fiscal and financial crises is that they happen abruptly, at a moment that seems not to matter, but in retrospect it was easy to see that the crisis would eventually materialize.I'm not a religious person, but this quote from the bible seems apt: "When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me."The belief in and practice of voodoo economics, extraordinary reliance on the printing press, and the intentional use of deceptive measures of our nation's fiscal obligations is, at its root, childish, selfish, and self-serving behavior by people who don't deserve the title of "adult."Laurence Kotlikoff is an economist at Boston University and President of Economic Security Planning, Inc. whose company markets Maximize My Social Security and ESPlanner (Economic Security Planner).
Krugmans Four Dangerous Fiscal FablesThere are four dangerous fiscal fables afloat. The first is that taxes can be cut to raise revenues and lower the deficit. The second is that spending can be raised to raise revenues and lower the deficit. The third is that the deficit can be financed by printing money with no real consequences. And the fourth, and most dangerous, is that the deficit's accumulated value -- the official debt -- is a meaningful measure of our country's or any country's true indebtedness.Paul Krugman, who has been pleading for more deficit spending on a continuous basis in his New York Times column, is hawking all four fables. Pity our children if our policymakers continue to take his views seriously.The Deficit and RealityLet's start with the worst fable, namely that the debt Krugman is considering is, in fact, the right measure of our government's obligations. The measure Krugman is using is the official debt in the hands of the public, which is $11 trillion. But the true debt, known to economists as the fiscal gap, which includes all the off-the-book obligations of the government, is 20 times larger!These off-the-book obligations include the requirement, under current law, to pay today's 40 million seniors, on average, $30,000 per year in today's dollars in Social Security, Medicare, and Medicaid benefits through the rest of their days. They include the requirement, under current law, to pay today's 78 million baby boomers, when fully retired, $40,000 per head, in today's dollars, in Social Security, Medicare, and Medicaid benefits. They include the requirement to pay for all future military expenditures, all future welfare benefits, all future Supreme Court Justices salaries, and the list goes on.Like interest and principal payments on official government debt, these other payments are coming in the future. But of all the expenditures the government is promising explicitly or implicitly to make in the future, only those called "interest and principal payments" are being valued in the present and included in Krugman's measure of government debt.Perhaps Krugman should sit down with a 75-year-old and ask her whether she thinks the government has an obligation to continue sending her a Social Security check every month or a commitment, under Medicare and Medicaid, to help cover her future healthcare bills. Perhaps he should sit down with an admiral and ask whether the government has an obligation to build new submarines and maintain our fleet over time. Perhaps he should ask the head of the Department of Transportation whether there is a requirement to repair federal highways and build new ones.Krugman would quickly learn that these debts -- these obligations to spend -- are no less real and, indeed, a lot more real than the official debt. The official debt, after all, can be wiped out in real terms by printing money and raising prices. Not the case for our transfer payments and direct government purchases. They are either formally or informally indexed for inflation. As for the politics of who will get paid in a crunch, it's not the official debt holders. Just ask Greek bond holders how they fared in recent years compared to Greek retirees collecting state pensions.Paul Krugman is a Nobel Prize winner in economics. He should know the debt is not well defined -- that what's put on the books and what's kept off the books reflects labeling choices by successive Congresses designed to make the official debt as small as possible because, guess what, people like Krugman are writing about the official debt, but not the unofficial debt.Economists have been discussing this labeling problem and have been producing meaningful fiscal gap measures, that are label-invariant, for 40 years. I wrote a column called Deficit Delusion on this in the Public Interest back in 1984 and one in Science back in 1988. My most recent column is posted on the PBS Newshour site.Yet Krugman says in his most recent column that "I have yet to see any coherent explanation of why these longer-run concerns should determine budget policy right now." The coherent explanation is given by economic theory, which makes crystal clear that the choice of fiscal labels is economically arbitrary and that, as a consequence, the projected path of the government's short and long-term cash flows is arbitrary, and that, as consequence, economic theory does not distinguish short-run vs. long-run budget policy. What economic theory tells us is to look at the entire projected path of policy, measure its fiscal gap, and decide on the basis of the size of its fiscal gap whether the policy is sustainable.The equations of our economic models don't define the debt. It's that simple. Nor do the equations in physics define time or distance. In physics, how you measure time and distance is a matter of your frame of reference, which can be viewed as a language or labeling convention.When I was asked in 1988 by Science to write about economics fiscal relativity problem I was struck that the hard scientists could get this point so quickly and that so many economists could not. But, then again, economists are the tailors of this emperor's new clothes and have a very strong incentive to keep discussing fiscal policy using meaningless measures. Krugman is the chief tailor in this regard.The U.S. fiscal gap of $222 trillion is enormous and totally unsustainable. But rather than discuss the fiscal gap, Krugman discusses the official debt which is one-twentieth as large and, as indicated, a measure of the government's words, not its policies.Of course, once you have the emperor convinced that his new clothes are for real, you can take full advantage of his ignorance. Krugman is doing this with his readers. He's taking advantage of their ignorance by showing that a non-measure of government sustainability, intentionally designed to be as small as possible, is not of major concern. And in claiming that the long-run is distinct in terms of policy from the short run and can be ignored until we reach it, he's persuading his readers that they needn't worry about the fiscal Sword of Damocles suspending over our children's heads.This is fiscal child abuse pure and simple, and Krugman should be ashamed of his contribution to it. There is not a single dynamic model of the economy's dynamic transition being published in leading economics journals that doesn't include the constraint that the fiscal gap be zero. But Krugman simply discards what we academic economists call the government's intertemporal budget constraint.Let's be clear. Generationally speaking, paying for the government's spending is a zero sum game. Eliminating the fiscal gap -- satisfying the government's intertemporal budget constraint -- requires either a) an immediate and permanent 64 percent hike in all federal taxes or b) an immediate and permanent 35 percent cut in all projected government outlays including those called "interest and principal." If we wait a decade to take our medicine, these figures become 70 percent and 38 percent respectively. And, guess what? In that case, our children will face even higher taxes or lower spending over their precious lives.These aren't my estimates of the fiscal gap or what's needed to close it. They are my calculations based on the Congressional Budget Office's long-term fiscal forecast called the Alternative Fiscal Scenario. The CBO publishes this forecast in June each year. Last June the fiscal gap was $222 trillion. In June 2011 it was $211 trillion. It rose by $11 trillion between 2011 and 2012, which is the same amount as the entire stock of federal debt! The reason, in large part, is that baby boomers got one year closer to cashing in on all those Social Security, Medicare, and Medicaid payments which they are owed, but which have conveniently been ignored in tallying up federal debt.Krugman dismisses the terrible zero sum generational game we are playing with our kids. He sees our economy operating at less than full employment and says that if the government spends more on what it labels as purchases or transfer payments the economy will be stimulated, everyone will be hired, and the extra spending covered by the associated extra revenues.Something for NothingThis is the second fable -- demand-side voodoo economics -- that more spending will beget more taxes. But it's also the first fable -- supply-side voodoo economics -- that less taxes will beget more taxes. The reason is that cutting someone's taxes is, apart from words, no different that increasing their transfer payments so since Krugman believes that more transfer payments will pay for themselves, he must, perforce, believe tax cuts pay for themselves.Believing that we can get something for nothing -- that we can, in effect, produce mana from heaven by being more fiscally profligate -- is believing in magic. This is why President Bush, the senior, properly called such fantasies, when they were being espoused by Ronald Reagan, "voodoo economics." And when George Bush, the junior, cut taxes, Krugman routinely skewered him for doing precisely what Krugman is now advocating -- praying for mana.But let's assume Krugman has it right and that gambling yet further with our children's economic future will restore the economy to full employment. How much of the fiscal gap will go away? Precious little.Given the recent tax hike and sequester cuts, my guess is that this June's Alternative Fiscal Projection will look better, that the fiscal gap will fall to $200 trillion, and that we'll be short, on an ongoing basis, not 12 percent of GDP, but 11 percent of GDP.The CBO projection has the economy returning to full employment (defined as 5.5 percent) in 2017.If we could miraculously and immediately get back to full employment at no net budgetary cost via spending that pays for itself that would mean, at most, 5 percent more GDP for 4 years relative to what the CBO projects will arise. In terms of lowering the fiscal gap, this would contribute perhaps 2 percent in net revenue for four years against the 11 percent in additional net revenue needed in those years. But, and this is key, it would do nothing to come up with the 11 percent of GDP in net revenue needed for every year in the country's future beyond 2017. The point is that we'd still have an absolutely enormous fiscal gap to deal with even if more voodoo finance pays for itself and immediately gets the economy back to its potential GDP.Earth to Paul Krugman. We've just spent four years experimenting with demand-side and supply-side economics. During this time, the fiscal gap rose by $42 trillion to its current value of $222 trillion. If the fiscal gap in June is $200 trillion, as I predict, its $22 trillion decline won't reflect the healing power of your crude Keynesian voodoo policy, but real tax hikes and spending cuts.So as a means of achieve fiscal solvency, neither Keynesian demand management nor Reagan supply management is working. Yet Krugman and his partner in economic crime -- Larry Summers -- would say more voodoo medicine is needed. But we gave the patient a very big dose and he didn't respond.Meanwhile the underlying structural drivers of the long-term fiscal gap were ignored with all attention focused on the "short term." Again, every passing year brings us closer to all 78 million baby boomers receiving their benefits. These projected payments are like zero-coupon bonds. We're not feeling any cash-flow pain from them now, because Congress arranged the payment stream to delay when they come due. But they will come due shortly.Social Security, Medicare, and Medicaid expenditures are a 35 percent larger share of GDP today than in 2000. President Obama was able to stabilize this growth in his first term, but he didn't reverse it. Meanwhile, the way his healthcare reform was implemented could lead to explosive costs. There is a huge incentive under the Affordable Care Act for employers to shut down their health insurance plans, pay the relatively small penalty, and ship their workers over to the new health exchanges where the vast majority will get very large subsidies. This was one of the few things that Mitt Romney actually got right. But the Congressional Budget Office doesn't have this baked into their projections as far as I know.Don't Forget About InflationThe last fable -- fable three -- is that we can pay off our debts, no matter their labeling, simply by printing money. There is, today, a band of very prominent pundits and policymakers, I'll call them the Money Printers, who think the U.S., the UK, the Eurozone, and Japan can safely print tons and tons of money, pay their bills with this paper, and never have to worry about inflation. The ranks of the Money Printers include not just Krugman, but also Fed Chairman Ben Bernanke, FT columnist, Martin Wolf, Adair Turner, head of the UK's Financial Services Authority, the new Prime Minister of Japan, Shinzo Abe, IMF chief Christine LaGuarde, and the list goes on.But we've seen this movie for five years now, and it's a horror show. Since 2007, the developed world's central banks have roughly tripled the basic amount of money, called the monetary base, that existed in 2007. This has laid the groundwork for a tripling of the price level, i.e., for hyperinflation. Yet the printing presses continue to run at full tilt every second of every minute of every day. Here, again, we have reckless endangerment of our children with no accounting of the generational risks being imposed.In the last century, 20 countries ended up with hyperinflations by using the printing press to avoid taking fiscal responsibility. Now we have virtually the entire developed world printing money out the wazoo.Krugman's response is, "Where is the inflation? Where are the high interest rates?"My answer is give it time. The long history of fiscal and financial crises is that they happen abruptly, at a moment that seems not to matter, but in retrospect it was easy to see that the crisis would eventually materialize.I'm not a religious person, but this quote from the bible seems apt: "When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me."The belief in and practice of voodoo economics, extraordinary reliance on the printing press, and the intentional use of deceptive measures of our nation's fiscal obligations is, at its root, childish, selfish, and self-serving behavior by people who don't deserve the title of "adult."Laurence Kotlikoff is an economist at Boston University and President of Economic Security Planning, Inc. whose company markets Maximize My Social Security and ESPlanner (Economic Security Planner).
Health insurance question - pricey medications WITH insurance
Added on : Tuesday March 12th 2013 12:01:03 PM
Hello folks,This is not exactly 'finance' question but it does affect my finances. I have a few conditions for which I take prescription meds. I have HSA type insurance with $4000 deductible but since my coverage is not as per the calendar year, the deductible is $8000 ($4000 for first 2 months and then $4000 for another 10 months.)When I buy prescription meds, I noticed that the price charged to me is way more than if I use coupons from goodrx.com Hence I started buying meds using coupons from goodrx.com instead of using my Rx card and use HSA money to pay for the meds.Now my question is, if what I am doing is sensible? Even after using Rx card, probably I will not make $4000 deductible so I thought why waste money and put it in insurance company's pocket. They are greddy enough and no matter if I use the coverage or not, they will still jack up my premium next year. So what do you guys say, am I right in buying meds without Rx card?Bonus question : does insurance company lose money (as opposed to making money) if I do not use the Rx card to buy the meds?Thanks in advance.
New credit score could help millions - vantagescore 3.0 range 300-850
Added on : Monday March 11th 2013 08:01:13 PM
interesting that Vantagescore will now ALSO use 300-850 rangeimo, this new scoring system (if its ever utilized as much as Fico), is a way from lenders to well lend more to "worthy" applicants. banks are always looking for new revenue stream, especially now that the re-fi express may be coming to an end and revolving debt keeps on declining. would be interesting to see if/what Fico does to follow suit.
Text"A new credit scoring model will potentially boost scores for many credit applicants and help establish credit for millions of people who previously had little or no credit history.
The new scoring model will be used in the latest version of the VantageScore, the credit score created by the three major credit bureaus -- Experian (EXPGF), Equifax (EFX) and TransUnion. Currently, debts that go into collections, even if they are paid off, are factored into all credit scores for up to seven years, said John Ulzheimer, president of consumer education for SmartCredit.com. But VantageScore 3.0 will no longer factor these accounts into a consumer's score if the debt was paid in full or settled, just as long as the balance is zero. Also, natural disaster victims will now be able to benefit from good credit behaviors -- like making payments on time, despite the hardship -- but will continue to be protected against negative accounts. Previously, both negative and positive accounts were ignored in the aftermath of natural disasters, making it difficult for victims to improve their credit scores. Related: Employer credit checks keep jobless out of workforce With big natural disasters like Hurricane Sandy hitting thousands of consumers in the Northeast last fall and millions of others with paid collection accounts on their credit reports, many people are likely to see their scores improve under this new model, said Ulzheimer. "Consumers who have a zero-dollar balance on collections and no other negative information on their credit reports should see their VantageScore's increase significantly," he said. But the boost only matters if a lender uses the new VantageScore. While FICO is still the most widely used scoring model, the VantageScore is gaining ground. It's currently used by seven of the top 10 financial institutions, six of the top 10 credit card issuers and four of the leading auto lenders and mortgage lenders, according to its website. Related: Millions of credit reports have errors VantageScore's new model will also weigh rent and utility payment records, and public records like bankruptcies for people with very limited credit histories. This will allow it to score as many as 30 million people who previously couldn't get a credit score, and potentially help them qualify for more competitive credit rates, said Ulzheimer. Other score developers, like FICO, may follow suit. FICO announced Monday that it will begin looking into ways of factoring in alternative records to calculate scores for those without -- or with limited -- credit files. Meanwhile, VantageScore is changing its scoring range to align with FICO's 300 to 850 range. Earlier versions range from 501 to 990, often causing confusion for consumers and lenders since most are more familiar with FICO's range. "This is like changing your speedometer from kilometers per hour to miles per hour, it just makes more sense to American consumers and American lenders," said Ulzheimer."
Text"A new credit scoring model will potentially boost scores for many credit applicants and help establish credit for millions of people who previously had little or no credit history.
The new scoring model will be used in the latest version of the VantageScore, the credit score created by the three major credit bureaus -- Experian (EXPGF), Equifax (EFX) and TransUnion. Currently, debts that go into collections, even if they are paid off, are factored into all credit scores for up to seven years, said John Ulzheimer, president of consumer education for SmartCredit.com. But VantageScore 3.0 will no longer factor these accounts into a consumer's score if the debt was paid in full or settled, just as long as the balance is zero. Also, natural disaster victims will now be able to benefit from good credit behaviors -- like making payments on time, despite the hardship -- but will continue to be protected against negative accounts. Previously, both negative and positive accounts were ignored in the aftermath of natural disasters, making it difficult for victims to improve their credit scores. Related: Employer credit checks keep jobless out of workforce With big natural disasters like Hurricane Sandy hitting thousands of consumers in the Northeast last fall and millions of others with paid collection accounts on their credit reports, many people are likely to see their scores improve under this new model, said Ulzheimer. "Consumers who have a zero-dollar balance on collections and no other negative information on their credit reports should see their VantageScore's increase significantly," he said. But the boost only matters if a lender uses the new VantageScore. While FICO is still the most widely used scoring model, the VantageScore is gaining ground. It's currently used by seven of the top 10 financial institutions, six of the top 10 credit card issuers and four of the leading auto lenders and mortgage lenders, according to its website. Related: Millions of credit reports have errors VantageScore's new model will also weigh rent and utility payment records, and public records like bankruptcies for people with very limited credit histories. This will allow it to score as many as 30 million people who previously couldn't get a credit score, and potentially help them qualify for more competitive credit rates, said Ulzheimer. Other score developers, like FICO, may follow suit. FICO announced Monday that it will begin looking into ways of factoring in alternative records to calculate scores for those without -- or with limited -- credit files. Meanwhile, VantageScore is changing its scoring range to align with FICO's 300 to 850 range. Earlier versions range from 501 to 990, often causing confusion for consumers and lenders since most are more familiar with FICO's range. "This is like changing your speedometer from kilometers per hour to miles per hour, it just makes more sense to American consumers and American lenders," said Ulzheimer."
interesting that Vantagescore will now ALSO use 300-850 rangeimo, this new scoring system (if its ever utilized as much as Fico), is a way from lenders to well lend more to "worthy" applicants. banks are always looking for new revenue stream, especially now that the re-fi express may be coming to an end and revolving debt keeps on declining. would be interesting to see if/what Fico does to follow suit.
Text"A new credit scoring model will potentially boost scores for many credit applicants and help establish credit for millions of people who previously had little or no credit history.
The new scoring model will be used in the latest version of the VantageScore, the credit score created by the three major credit bureaus -- Experian (EXPGF), Equifax (EFX) and TransUnion. Currently, debts that go into collections, even if they are paid off, are factored into all credit scores for up to seven years, said John Ulzheimer, president of consumer education for SmartCredit.com. But VantageScore 3.0 will no longer factor these accounts into a consumer's score if the debt was paid in full or settled, just as long as the balance is zero. Also, natural disaster victims will now be able to benefit from good credit behaviors -- like making payments on time, despite the hardship -- but will continue to be protected against negative accounts. Previously, both negative and positive accounts were ignored in the aftermath of natural disasters, making it difficult for victims to improve their credit scores. Related: Employer credit checks keep jobless out of workforce With big natural disasters like Hurricane Sandy hitting thousands of consumers in the Northeast last fall and millions of others with paid collection accounts on their credit reports, many people are likely to see their scores improve under this new model, said Ulzheimer. "Consumers who have a zero-dollar balance on collections and no other negative information on their credit reports should see their VantageScore's increase significantly," he said. But the boost only matters if a lender uses the new VantageScore. While FICO is still the most widely used scoring model, the VantageScore is gaining ground. It's currently used by seven of the top 10 financial institutions, six of the top 10 credit card issuers and four of the leading auto lenders and mortgage lenders, according to its website. Related: Millions of credit reports have errors VantageScore's new model will also weigh rent and utility payment records, and public records like bankruptcies for people with very limited credit histories. This will allow it to score as many as 30 million people who previously couldn't get a credit score, and potentially help them qualify for more competitive credit rates, said Ulzheimer. Other score developers, like FICO, may follow suit. FICO announced Monday that it will begin looking into ways of factoring in alternative records to calculate scores for those without -- or with limited -- credit files. Meanwhile, VantageScore is changing its scoring range to align with FICO's 300 to 850 range. Earlier versions range from 501 to 990, often causing confusion for consumers and lenders since most are more familiar with FICO's range. "This is like changing your speedometer from kilometers per hour to miles per hour, it just makes more sense to American consumers and American lenders," said Ulzheimer."
Text"A new credit scoring model will potentially boost scores for many credit applicants and help establish credit for millions of people who previously had little or no credit history.
The new scoring model will be used in the latest version of the VantageScore, the credit score created by the three major credit bureaus -- Experian (EXPGF), Equifax (EFX) and TransUnion. Currently, debts that go into collections, even if they are paid off, are factored into all credit scores for up to seven years, said John Ulzheimer, president of consumer education for SmartCredit.com. But VantageScore 3.0 will no longer factor these accounts into a consumer's score if the debt was paid in full or settled, just as long as the balance is zero. Also, natural disaster victims will now be able to benefit from good credit behaviors -- like making payments on time, despite the hardship -- but will continue to be protected against negative accounts. Previously, both negative and positive accounts were ignored in the aftermath of natural disasters, making it difficult for victims to improve their credit scores. Related: Employer credit checks keep jobless out of workforce With big natural disasters like Hurricane Sandy hitting thousands of consumers in the Northeast last fall and millions of others with paid collection accounts on their credit reports, many people are likely to see their scores improve under this new model, said Ulzheimer. "Consumers who have a zero-dollar balance on collections and no other negative information on their credit reports should see their VantageScore's increase significantly," he said. But the boost only matters if a lender uses the new VantageScore. While FICO is still the most widely used scoring model, the VantageScore is gaining ground. It's currently used by seven of the top 10 financial institutions, six of the top 10 credit card issuers and four of the leading auto lenders and mortgage lenders, according to its website. Related: Millions of credit reports have errors VantageScore's new model will also weigh rent and utility payment records, and public records like bankruptcies for people with very limited credit histories. This will allow it to score as many as 30 million people who previously couldn't get a credit score, and potentially help them qualify for more competitive credit rates, said Ulzheimer. Other score developers, like FICO, may follow suit. FICO announced Monday that it will begin looking into ways of factoring in alternative records to calculate scores for those without -- or with limited -- credit files. Meanwhile, VantageScore is changing its scoring range to align with FICO's 300 to 850 range. Earlier versions range from 501 to 990, often causing confusion for consumers and lenders since most are more familiar with FICO's range. "This is like changing your speedometer from kilometers per hour to miles per hour, it just makes more sense to American consumers and American lenders," said Ulzheimer."
Kindle Book - 50 Ways to Protect Your Identity in a Digital Age ...(2nd Edition) - was $25.99 now FREE
Added on : Monday March 11th 2013 05:00:03 AM
50 Ways to Protect Your Identity in a Digital Age: New Financial Threats You Need to Know and How to Avoid Them (2nd Edition) [Kindle Edition]Steve Weisman (Author)Publication Date: October 10, 201237 Reviews [☆☆☆☆.5]It is better to stop identity theft from happening in the first place than have to fix or repair the situation afterwards. Steve Weisman reveals the threats of new identity theft attacks based on use of Facebook, iPad, iPhone, Android, cloud apps, iPod, and other new technologies -- and shows you how to protect yourself, or how to fix the damage if you've already been attacked! Discover why ID theft is more dangerous than ever, and discover today's most dangerous new threats -- including attacks targeting medical records, personal finance and online banking sites, the elderly, and military service members. Meet the hackers and organized crime groups who want to steal your identity and money -- and learn how to protect your data and your life! Step by step, Weisman shows how to avoid risks, minimize risks you can't completely avoid, and immediately take the right steps if you're ever victimized. He objectively reviews new products and services that promise to fight identity theft, and previews emerging dangers, such as RFID credit cards. If you use a computer, the Internet, a smartphone, cell phone, tablet, or any other communications device, 50 Ways to Protect Your Identity in a Digital Age isn't just an indispensable wake-up call: it's the world's best resource for protecting yourself!Protect Yourself from Todays Dangerous New Forms of Identity Theft!
∙ Prevent new ID attacks via Facebook, smartphones, iPads, Wi-Fi, and the cloud
∙ Offers todays best techniques for fixing damage after youve been attacked
∙ Objectively reviews products that claim to help you prevent identity theftIdentity theft is more dangerous than ever! The bad guys are smarter, more sophisticated, more organized--and as we live more of our lives online, were exposing far more personal information to them. Now, identity theft expert Steve Weisman reveals todays worst new threats and helps you systematically reduce your vulnerabilities.Weisman shows how social media, mobile devices, and the cloud have created major new dangers and how groups ranging from local hackers to foreign organized crime syndicates are exploiting them. He offers indispensable new guidance for avoiding risks, minimizing risks that cant be completely avoided, and quickly halting the damage after an attack.Packed with checklists, sample letters, and other practical tools, this is todays one indispensable guide to protecting what matters most: your identity!
Includes exclusive must-read information about new attacks on
∙ Senior citizens
∙ Children
∙ Military service members
∙ Anyone whos recently visited a doctor or hospital
∙ Prevent new ID attacks via Facebook, smartphones, iPads, Wi-Fi, and the cloud
∙ Offers todays best techniques for fixing damage after youve been attacked
∙ Objectively reviews products that claim to help you prevent identity theftIdentity theft is more dangerous than ever! The bad guys are smarter, more sophisticated, more organized--and as we live more of our lives online, were exposing far more personal information to them. Now, identity theft expert Steve Weisman reveals todays worst new threats and helps you systematically reduce your vulnerabilities.Weisman shows how social media, mobile devices, and the cloud have created major new dangers and how groups ranging from local hackers to foreign organized crime syndicates are exploiting them. He offers indispensable new guidance for avoiding risks, minimizing risks that cant be completely avoided, and quickly halting the damage after an attack.Packed with checklists, sample letters, and other practical tools, this is todays one indispensable guide to protecting what matters most: your identity!
Includes exclusive must-read information about new attacks on
∙ Senior citizens
∙ Children
∙ Military service members
∙ Anyone whos recently visited a doctor or hospital
I just closed on my house in Dec and put down 20%. The house appraised for $15K more than I bought it for and I have paid down about 3K on the mortgage. I was wanting to get a small 10K HELOC 2nd on the property - know of any banks that will do it so soon? I was thinking about trying Penfed since I've used them in the past.I live in TX so 80% LTV is max no matter what.
Master Your DSLR Camera: a Better Way to Learn Digital PhotographyPub. 10/9/2012Master Your DSLR: A Better Way to Learn Digital Photography, is a highly interactive book made for the DSLR camera owner who is ready to move away from that auto setting. :: About This E-book ::
Master Your DSLR: A Better Way to Learn Digital Photography walks you through several photography basics such as composition and perspective, and it includes quick-reference cheat sheets to master seven common shooting scenarios: indoor and outdoor portraits, kids, pets, gorgeous outdoor landscapes, skylines, and sunsets. Readers of this e-book will also have exclusive access to several beautiful videos and graphics.:: More about Master Your DSLR: A Better Way to Learn Digital Photography::
The book has been featured in USA Today, wall street journal, and Wired, described as an invaluable companion for amateur photographers looking to get more out of their gear.Uncommon Migraine Cure: Learn The Hidden Secrets Of How You Can Chiropractically Align Yourself And Get Rid Of Migraine Headaches Forever! (The Holistic Wellness Series)Pub. 2/26/13UNCOMMON MIGRAINE CUREThe Holistic Wellness Series: 1In this wellness series, Ferrer
Thomas uncovers simple secrets you'll
learn to get rid of migraine headaches
forever holistically without medicines.Revealed inside are the often confused
and dangerous myths that are the most common
causes that will worsen your condition even though
these remedies may be popular.Also learn how the causes of
headaches can actually be symptoms
of deeper underlying health issues
and how to get rid of them holistically.
Friends within the Forest Green: A Forest Animal Fact Book (Learn with Rhymes Series)Pub 2/28/13Friends Within the Forest Green is an educational book about forest animals that will not only keep your child learning on every page, but entertained as well. Join Melissa as she explores fascinating animal facts in this playful reading book with rhyming sequences and brilliant colorful pictures.Within this book, your child will be introduced to forest animals such as Beavers, Owls, Bears and many more! This book is perfect for children ages 2 - 5.The Ultimate Guide to Memorizing the Guitar FretboardPub. 3/1/13All musicians that are serious about playing guitar have the notes on the fretboard memorized. This guide goes beyond simply explaining how to find the notes on the guitar, with sixteen exercises and useful memorization techniques that will have you navigating the fretboard with confidence. Go beyond patterns and shapes and finally understand the notes that are right under your fingers.Learn About Tigers (Science Kids) Pub. 3/7/13Tigers are one of the most popular wild animals in the world. Kids from 4-10 years old will love this book about tigers. More than 30 pictures of tigers with accompanying facts about tigers. Kids will love learning about this favorite animals. Shows pictures of different tiger subspecies and offers just enough information for kids of this age group.Being Successful: Things that Successful People Do that you Could Learn FromPub. 2/10/13 Nowadays, there are so many myths and ideas that you supposedly ought to follow if you want to succeed. Being Successful: Things That Successful People Do That You Could Learn From is an eBook keen to dismiss these myths and will in fact reveal to you that quite the contrary is true when it comes to generally accepted ideas. For example, some people mistakenly think that you have to start big in order to succeed. In contrast, the opposite is quite true as you will find out when you read this report. All in all, the report contains multiple counter-intuitive ideas which are bound to transform your life if you do act on them. You will be surprised to know that what you have accepted for so long may actually turn out to be hindering you on your journey to success. Therefore, get ready to have your beliefs shaken and tested as you go through the report. By the end of it all, you will have separated wheat from chaff in relation to realizing what works and what doesnt. Even though the ideas is not an exhaustive list of what you need to do or stop doing to succeed, it will point you in the right direction and help you to question other beliefs that you may have accumulated over the years. You will also learn to critically assess any success idea you come across until you decide for yourself whether it is true or not. All this will help you to lay a strong foundation that will propel you towards a bright future.Become a Published Travel writer: Earn enjoyable profits and travel the world in VIP style as a published travel writer - Volume 5: Travel Writing That Sells TextPub. 2/11/13Become a travel writer: Earn enjoyable profits and travel the world in VIP style as a published travel writer - Volume 5: Travel Writing That SellsAre you itching to break into the glamorous world of travel writing to see your name published and get invited onto fabulous VIP press trips? Do you yearn to learn how to write and publish travel stories like Bill Bryson, Bruce Chatwin, Paul Theroux, William Dalrymple and Colin Thubron?The travel writing lifestyle is truly wonderful and romantic, but the only trouble is getting in getting your work, and in particular your first article, published. Have you, like most novices, suffered large numbers of rejections from editors who simply dont seem interested in carrying your work? Virtually all novice writers have to go through this demoralising phase in their development. I did too.Now, for the savvy few, there is an alternative. You are seconds away from having in your possession a tried and tested formula for writing the perfect travel article first time and every time. This comprehensive but concise guide reveals the secrets of many top travel writers built up over years of experience and work in the field. You can now learn in a matter of weeks what it has taken most other writers many years to learn.Travel writing isnt rocket science but there are certain principles you need to learn and put into practice. The fundamental principles and proven techniques that we will show you here will fast track your travel writing career through the novice phase into the idyllic realm of the experienced, published travel writer, where your world awaits your every dream . . .Jimmy Learns to Ride a Bike and Never Give UpPub. 3/8/13Children's early reader. Picture book
Jimmy gets a new bike for his birthday and goes through the challenges of learning to ride. Crashes, scrapes his knee, wants to give up, but overcomes in the end with encouragement from his Dad.
Read it to your children or let them read it on their own.Remember When (Remember Trilogy, Bk 1)Pub. 12/29/12"Hysterical! Made me want to break out a can of Aqua Net and hit the Jersey shore. Loved the characters and their sweet and steamy love story. You'll find yourself rooting for Layla and dreaming about Trip for years to come."
-Mika Thomas, Fiction Review
Ever wonder how often Brad Pitt's high school girlfriend must ponder jumping off a bridge? Ever think about the girl that had her hooks in George Clooney before he took off for TV stardom? How about Leonardo DiCaprio's ex, or Johnny Depp's first groupie, or any number of young women who got left behind when their boyfriends set off for greener pastures and eventually achieved unfathomable Hollywood fame? My name is Layla Warren and I don't need to wonder about any of those things. I already know. Because years before Trip Wiley could be seen on movie screens all over the world, he could be seen sitting in the desk behind me in my high school English class. This was back in 1990, and I cite the year only to avoid dumbfounding you when references to big hair or stretch pants are mentioned. Although, come to think of it, I am from New Jersey, which may serve as explanation enough. We were teenagers then, way back in a time before anyone, himself included, could even dream he'd turn into the Hollywood commodity that he is today. I'm sure I don't need to tell you who Trip Wiley is. But on the off chance you've been living under a rock for the past decade, just know that these days, he's the bad boy actor found at the top of every casting director's wish list. He's incredibly talented and insanely gorgeous, the combination of which has made him very rich, very famous and very desirable. And not just to casting directors, either.I can't confirm any of the gossip from his early years out in Tinseltown, but based on what I knew of his life before he was famous, I can tell you that the idea of Girls-Throwing-Themselves-At-Trip is not a new concept. I should know. I was one of them. And my life hasn't been the same since.
Master Your DSLR: A Better Way to Learn Digital Photography walks you through several photography basics such as composition and perspective, and it includes quick-reference cheat sheets to master seven common shooting scenarios: indoor and outdoor portraits, kids, pets, gorgeous outdoor landscapes, skylines, and sunsets. Readers of this e-book will also have exclusive access to several beautiful videos and graphics.:: More about Master Your DSLR: A Better Way to Learn Digital Photography::
The book has been featured in USA Today, wall street journal, and Wired, described as an invaluable companion for amateur photographers looking to get more out of their gear.Uncommon Migraine Cure: Learn The Hidden Secrets Of How You Can Chiropractically Align Yourself And Get Rid Of Migraine Headaches Forever! (The Holistic Wellness Series)Pub. 2/26/13UNCOMMON MIGRAINE CUREThe Holistic Wellness Series: 1In this wellness series, Ferrer
Thomas uncovers simple secrets you'll
learn to get rid of migraine headaches
forever holistically without medicines.Revealed inside are the often confused
and dangerous myths that are the most common
causes that will worsen your condition even though
these remedies may be popular.Also learn how the causes of
headaches can actually be symptoms
of deeper underlying health issues
and how to get rid of them holistically.
Friends within the Forest Green: A Forest Animal Fact Book (Learn with Rhymes Series)Pub 2/28/13Friends Within the Forest Green is an educational book about forest animals that will not only keep your child learning on every page, but entertained as well. Join Melissa as she explores fascinating animal facts in this playful reading book with rhyming sequences and brilliant colorful pictures.Within this book, your child will be introduced to forest animals such as Beavers, Owls, Bears and many more! This book is perfect for children ages 2 - 5.The Ultimate Guide to Memorizing the Guitar FretboardPub. 3/1/13All musicians that are serious about playing guitar have the notes on the fretboard memorized. This guide goes beyond simply explaining how to find the notes on the guitar, with sixteen exercises and useful memorization techniques that will have you navigating the fretboard with confidence. Go beyond patterns and shapes and finally understand the notes that are right under your fingers.Learn About Tigers (Science Kids) Pub. 3/7/13Tigers are one of the most popular wild animals in the world. Kids from 4-10 years old will love this book about tigers. More than 30 pictures of tigers with accompanying facts about tigers. Kids will love learning about this favorite animals. Shows pictures of different tiger subspecies and offers just enough information for kids of this age group.Being Successful: Things that Successful People Do that you Could Learn FromPub. 2/10/13 Nowadays, there are so many myths and ideas that you supposedly ought to follow if you want to succeed. Being Successful: Things That Successful People Do That You Could Learn From is an eBook keen to dismiss these myths and will in fact reveal to you that quite the contrary is true when it comes to generally accepted ideas. For example, some people mistakenly think that you have to start big in order to succeed. In contrast, the opposite is quite true as you will find out when you read this report. All in all, the report contains multiple counter-intuitive ideas which are bound to transform your life if you do act on them. You will be surprised to know that what you have accepted for so long may actually turn out to be hindering you on your journey to success. Therefore, get ready to have your beliefs shaken and tested as you go through the report. By the end of it all, you will have separated wheat from chaff in relation to realizing what works and what doesnt. Even though the ideas is not an exhaustive list of what you need to do or stop doing to succeed, it will point you in the right direction and help you to question other beliefs that you may have accumulated over the years. You will also learn to critically assess any success idea you come across until you decide for yourself whether it is true or not. All this will help you to lay a strong foundation that will propel you towards a bright future.Become a Published Travel writer: Earn enjoyable profits and travel the world in VIP style as a published travel writer - Volume 5: Travel Writing That Sells TextPub. 2/11/13Become a travel writer: Earn enjoyable profits and travel the world in VIP style as a published travel writer - Volume 5: Travel Writing That SellsAre you itching to break into the glamorous world of travel writing to see your name published and get invited onto fabulous VIP press trips? Do you yearn to learn how to write and publish travel stories like Bill Bryson, Bruce Chatwin, Paul Theroux, William Dalrymple and Colin Thubron?The travel writing lifestyle is truly wonderful and romantic, but the only trouble is getting in getting your work, and in particular your first article, published. Have you, like most novices, suffered large numbers of rejections from editors who simply dont seem interested in carrying your work? Virtually all novice writers have to go through this demoralising phase in their development. I did too.Now, for the savvy few, there is an alternative. You are seconds away from having in your possession a tried and tested formula for writing the perfect travel article first time and every time. This comprehensive but concise guide reveals the secrets of many top travel writers built up over years of experience and work in the field. You can now learn in a matter of weeks what it has taken most other writers many years to learn.Travel writing isnt rocket science but there are certain principles you need to learn and put into practice. The fundamental principles and proven techniques that we will show you here will fast track your travel writing career through the novice phase into the idyllic realm of the experienced, published travel writer, where your world awaits your every dream . . .Jimmy Learns to Ride a Bike and Never Give UpPub. 3/8/13Children's early reader. Picture book
Jimmy gets a new bike for his birthday and goes through the challenges of learning to ride. Crashes, scrapes his knee, wants to give up, but overcomes in the end with encouragement from his Dad.
Read it to your children or let them read it on their own.Remember When (Remember Trilogy, Bk 1)Pub. 12/29/12"Hysterical! Made me want to break out a can of Aqua Net and hit the Jersey shore. Loved the characters and their sweet and steamy love story. You'll find yourself rooting for Layla and dreaming about Trip for years to come."
-Mika Thomas, Fiction Review
Ever wonder how often Brad Pitt's high school girlfriend must ponder jumping off a bridge? Ever think about the girl that had her hooks in George Clooney before he took off for TV stardom? How about Leonardo DiCaprio's ex, or Johnny Depp's first groupie, or any number of young women who got left behind when their boyfriends set off for greener pastures and eventually achieved unfathomable Hollywood fame? My name is Layla Warren and I don't need to wonder about any of those things. I already know. Because years before Trip Wiley could be seen on movie screens all over the world, he could be seen sitting in the desk behind me in my high school English class. This was back in 1990, and I cite the year only to avoid dumbfounding you when references to big hair or stretch pants are mentioned. Although, come to think of it, I am from New Jersey, which may serve as explanation enough. We were teenagers then, way back in a time before anyone, himself included, could even dream he'd turn into the Hollywood commodity that he is today. I'm sure I don't need to tell you who Trip Wiley is. But on the off chance you've been living under a rock for the past decade, just know that these days, he's the bad boy actor found at the top of every casting director's wish list. He's incredibly talented and insanely gorgeous, the combination of which has made him very rich, very famous and very desirable. And not just to casting directors, either.I can't confirm any of the gossip from his early years out in Tinseltown, but based on what I knew of his life before he was famous, I can tell you that the idea of Girls-Throwing-Themselves-At-Trip is not a new concept. I should know. I was one of them. And my life hasn't been the same since.
I recently found my eBay email account loaded with emails sent to my former buyers that were rejected by spam filters.Thinking someone figured out my password I changed it to a new one..the weird part is the same thing happened the following evening as i saw a message stating that it originated from Turkey.I didnt think much of the matter until i was given a second chance offer for a $1300 item... it looked legitimate except it didnt have the buy it now button.I called someone named Jay from eBay as there is no way to get a written response from eBay. The customer service rep would not confirm anything..he wouldnt even tell me that the email offer i got is fake when he knew that it was. it took about 15 mins of point blank questioning before I got him to admitted that ebays security was hacked and user passwords were stolen.
I had to constantly remind the rep that our conversation was being recorded before he stopped dancing around my line of questioning...what made me upset is that when i told him of my incident he tried to hint that it was my fault that i had my eBay account hacked . then told me to change my password... when i explained that i did change my password and it still was hacked the following evening he ignored it and told me the standard "your account may have been hacked."Jay made it seem like i had a unique experience... I finally said "I'm not asking you if my account was hacked --- I am asking you if ebays user data base has been hacked?" 3 times. before he admitted that eBay has had its user data stolen.I m really upset that we were not notified of this voluntarily... It took me almost loosing $1300, 10 min wait and a long drawn out phone call before i found out.Isnt it required by law that eBay has to disclose this information upfront?Is eBay the only sneaky company out there? Its a shame I cant trust the people who are supposed to protect me from nigerian buyers and crooks
I had to constantly remind the rep that our conversation was being recorded before he stopped dancing around my line of questioning...what made me upset is that when i told him of my incident he tried to hint that it was my fault that i had my eBay account hacked . then told me to change my password... when i explained that i did change my password and it still was hacked the following evening he ignored it and told me the standard "your account may have been hacked."Jay made it seem like i had a unique experience... I finally said "I'm not asking you if my account was hacked --- I am asking you if ebays user data base has been hacked?" 3 times. before he admitted that eBay has had its user data stolen.I m really upset that we were not notified of this voluntarily... It took me almost loosing $1300, 10 min wait and a long drawn out phone call before i found out.Isnt it required by law that eBay has to disclose this information upfront?Is eBay the only sneaky company out there? Its a shame I cant trust the people who are supposed to protect me from nigerian buyers and crooks
Yamaha 5.1-Channel or 7.1-Channel 105-Watt 3D-Ready A/V Receiver $179.99$239.99 +$5 shipping Woot
Added on : Friday March 08th 2013 07:00:04 AM
Woot Yamaha receivers
Yamaha RX-V471RF 5.1-Channel 105-Watt 3D-Ready A/V Receiver:1080p HDMI with 3D and Audio Return Channel (4 In/ 1 Out) deliver crystal-clear, all-digital audio and video via a single cable, HDMI dramatically simplifies cabling and helps provide consumers with the highest-quality home theater experience
Audio Return Channel (ARC) is a distinctive 3D-ready function allows consumers to use a single HDMI connection to transfer digital audio from the TV back to the AV Receiver eliminating the need for a second cable between the TV and the home theater AV Receiver
A USB port on the front panel provides convenient connection for your iPod/iPhone, which also charges when connected
CINEMA DSP 3D provides a wide, high and dense sound field. HD Audio format decoding lets you enjoy HD Audio sources. Virtual Presence Speaker delivers 3-dimensional sound without actual use of presence speakers
The clean and simple on-screen GUI makes setup and other operations extremely easy. It can show album art, provides a choice of various languages and is visible over 3D images
The Four SCENE buttons make operating the receiver easier than ever. They are initially set to default settings for BD/DVD Viewing, CD Disc Listening, TV Viewing and Radio Listening. Pressing a SCENE button will automatically launch a number of operations that initiate play of the source controlled by that button
Yamahas YPAO system uses a small microphone and sophisticated equalization to automatically set the best sound for any room, no matter where the speakers are
When music is encoded into a digitally compressed format like MP3, the frequency response suffers. The Compressed Music Enhancer function restores what was lost, so your music always sounds the way it should
The RX-V471 has a low standby power consumption of 0.1W (1.2W in HDMI Standby Through mode) and an Auto Power Down feature (selectable to 4, 8 or 12 hours) which help make this an environmentally friendly receiver
Yamaha RX-V571RF 7.1-Channel 105-Watt 3D-Ready A/V Receiver:1080p HDMI with 3D and Audio Return Channel (6 In/ 1 Out), including one on Front Panel deliver crystal-clear, all-digital audio and video via a single cable, HDMI dramatically simplifies cabling and helps provide consumers with the highest-quality home theater experience
Audio Return Channel (ARC) is a distinctive 3D-ready function allows consumers to use a single HDMI connection to transfer digital audio from the TV back to the AV Receiver eliminating the need for a second cable between the TV and the home theater AV Receiver
An HDMI terminal on the front panel makes it easy to connect a camcorder or digital camera. All of the HDMI terminals are compatible with 3D and CEC, making them convenient for connecting set-top boxes and Blu-ray disc players
A USB port on the front panel provides convenient connection for your iPod/iPhone, which also charges when connected
CINEMA DSP 3D provides a wide, high and dense sound field. HD Audio format decoding lets you enjoy HD Audio sources. Virtual Presence Speaker delivers 3-dimensional sound without actual use of presence speakers
Capable of outstanding upscaling and i/p conversion quality, This AV Receiver will upscale video signals up to 1080p. This means a much better picture with HDTVs capable of 720p, 1080i or 1080p resolution
The clean and simple on-screen GUI makes setup and other operations extremely easy. It can show album art, provides a choice of various languages and is visible over 3D images
The Four SCENE buttons make operating the receiver easier than ever. They are initially set to default settings for BD/DVD Viewing, CD Disc Listening, TV Viewing and Radio Listening. Pressing a SCENE button will automatically launch a number of operations that initiate play of the source controlled by that button
Yamahas YPAO system uses a small microphone and sophisticated equalization to automatically set the best sound for any room, no matter where the speakers are
When music is encoded into a digitally compressed format like MP3, the frequency response suffers. The Compressed Music Enhancer function restores what was lost, so your music always sounds the way it should
The RX-V571 has a low standby power consumption of 0.1W (1.2W in HDMI Standby Through mode) and an Auto Power Down feature (selectable to 4, 8 or 12 hours) which help make this an environmentally friendly receiver
Shipping Note: Shipping to Alaska and Hawaii is not available for this itemA physical address is required for delivery. No Military or PO Box shipments availableWarranty: 6 Month Yamaha
Yamaha RX-V471RF 5.1-Channel 105-Watt 3D-Ready A/V Receiver:1080p HDMI with 3D and Audio Return Channel (4 In/ 1 Out) deliver crystal-clear, all-digital audio and video via a single cable, HDMI dramatically simplifies cabling and helps provide consumers with the highest-quality home theater experience
Audio Return Channel (ARC) is a distinctive 3D-ready function allows consumers to use a single HDMI connection to transfer digital audio from the TV back to the AV Receiver eliminating the need for a second cable between the TV and the home theater AV Receiver
A USB port on the front panel provides convenient connection for your iPod/iPhone, which also charges when connected
CINEMA DSP 3D provides a wide, high and dense sound field. HD Audio format decoding lets you enjoy HD Audio sources. Virtual Presence Speaker delivers 3-dimensional sound without actual use of presence speakers
The clean and simple on-screen GUI makes setup and other operations extremely easy. It can show album art, provides a choice of various languages and is visible over 3D images
The Four SCENE buttons make operating the receiver easier than ever. They are initially set to default settings for BD/DVD Viewing, CD Disc Listening, TV Viewing and Radio Listening. Pressing a SCENE button will automatically launch a number of operations that initiate play of the source controlled by that button
Yamahas YPAO system uses a small microphone and sophisticated equalization to automatically set the best sound for any room, no matter where the speakers are
When music is encoded into a digitally compressed format like MP3, the frequency response suffers. The Compressed Music Enhancer function restores what was lost, so your music always sounds the way it should
The RX-V471 has a low standby power consumption of 0.1W (1.2W in HDMI Standby Through mode) and an Auto Power Down feature (selectable to 4, 8 or 12 hours) which help make this an environmentally friendly receiver
Yamaha RX-V571RF 7.1-Channel 105-Watt 3D-Ready A/V Receiver:1080p HDMI with 3D and Audio Return Channel (6 In/ 1 Out), including one on Front Panel deliver crystal-clear, all-digital audio and video via a single cable, HDMI dramatically simplifies cabling and helps provide consumers with the highest-quality home theater experience
Audio Return Channel (ARC) is a distinctive 3D-ready function allows consumers to use a single HDMI connection to transfer digital audio from the TV back to the AV Receiver eliminating the need for a second cable between the TV and the home theater AV Receiver
An HDMI terminal on the front panel makes it easy to connect a camcorder or digital camera. All of the HDMI terminals are compatible with 3D and CEC, making them convenient for connecting set-top boxes and Blu-ray disc players
A USB port on the front panel provides convenient connection for your iPod/iPhone, which also charges when connected
CINEMA DSP 3D provides a wide, high and dense sound field. HD Audio format decoding lets you enjoy HD Audio sources. Virtual Presence Speaker delivers 3-dimensional sound without actual use of presence speakers
Capable of outstanding upscaling and i/p conversion quality, This AV Receiver will upscale video signals up to 1080p. This means a much better picture with HDTVs capable of 720p, 1080i or 1080p resolution
The clean and simple on-screen GUI makes setup and other operations extremely easy. It can show album art, provides a choice of various languages and is visible over 3D images
The Four SCENE buttons make operating the receiver easier than ever. They are initially set to default settings for BD/DVD Viewing, CD Disc Listening, TV Viewing and Radio Listening. Pressing a SCENE button will automatically launch a number of operations that initiate play of the source controlled by that button
Yamahas YPAO system uses a small microphone and sophisticated equalization to automatically set the best sound for any room, no matter where the speakers are
When music is encoded into a digitally compressed format like MP3, the frequency response suffers. The Compressed Music Enhancer function restores what was lost, so your music always sounds the way it should
The RX-V571 has a low standby power consumption of 0.1W (1.2W in HDMI Standby Through mode) and an Auto Power Down feature (selectable to 4, 8 or 12 hours) which help make this an environmentally friendly receiver
Shipping Note: Shipping to Alaska and Hawaii is not available for this itemA physical address is required for delivery. No Military or PO Box shipments availableWarranty: 6 Month Yamaha
Office Depot FAR software for the week of 03/10/2013
One free after rebate title, two $4.99 after rebate titles and one $9.99 after rebate title.
QuickBooks Online Simple Start 2013 For PC/Mac [826-207]
FREE After $10 Instant & $90 Mfr. Mail-In Savings
In Store Price $89.99McAfee Total Protection For 3 Users [830-788]
$4.99 After $10 Instant & $65 Mfr. Mail-In Savings
In Store Price $69.99Business Card Factory Deluxe 4 [436-893]
$4.99 After $25 in (2) Mfr. Mail-In Savings
In Store Price $29.99Bookkeeper [865-150]
$9.99 After $30 in (2) Mfr. Mail-In Savings
In Store Price $39.99
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
One free after rebate title, two $4.99 after rebate titles and one $9.99 after rebate title.
QuickBooks Online Simple Start 2013 For PC/Mac [826-207]
FREE After $10 Instant & $90 Mfr. Mail-In Savings
In Store Price $89.99McAfee Total Protection For 3 Users [830-788]
$4.99 After $10 Instant & $65 Mfr. Mail-In Savings
In Store Price $69.99Business Card Factory Deluxe 4 [436-893]
$4.99 After $25 in (2) Mfr. Mail-In Savings
In Store Price $29.99Bookkeeper [865-150]
$9.99 After $30 in (2) Mfr. Mail-In Savings
In Store Price $39.99
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Pick your favorite team after clicking on the link. There were some decent deals for Syracuse Orange gear. Your web browsing may vary.
Think 3-Day shipping is $4.99, no matter how big the order. Get ready for March Madness!Pick Your Team link
Think 3-Day shipping is $4.99, no matter how big the order. Get ready for March Madness!Pick Your Team link
Pretty hot: Olympus SZ-31 MR 16MP 24X Long Zoom Digital Camera with Software only $199.96 at QVC - $399 on Amazon
Added on : Wednesday March 06th 2013 01:00:09 PM
This is a great deal (some have slapped QVC as not being so dependable, but others have said they've had no problem with them):Olympus SZ-31 MR 16MP 24X Long Zoom Digital Camera with SoftwareSpecs are below from the page. I'm definitely tempted to get one, especially with Discover's 5% back! Good only through tonight at 11:59 p.m. ET. Here's Amazon's link for comparison and CNET's 8.3/10 review.Think thin, zoom in. With its ultra-long zoom capability, the sleek, easy-to-carry Olympus SZ-31 digital camera lets you capture great images and videos from almost any distance. You get high-tech, DSLR-quality features at an amazingly value--you simply don't want to pass this up!What makes the SZ-31 digital camera so special? No matter how experienced you are in photography, this 16MP camera makes picture taking a breeze. Its 16 scene modes allow you to have the perfect lighting and situation for every shot, while the 24X optical zoom and 48X super resolution zoom means no distance is too far. Plus, 12 Magic Art Filter modes present plenty of options when you want to flaunt your creative side.Is it easy for me to use? You'll take great shots straight away. Its CMOS sensor and SLR-quality TruePic Image Processors come together to bring you incredible low-light images while compensating for blur, shadows, and more. This means that even amateur photographers can capture the perfect picture. And because it's so slim and portable, you can easily bring it with you anytime you want to capture life's special moments.Can I shoot movies with it? Yes! This camera offers amazingly crisp 1080P full HD video that you can shoot at the touch of a button. HDMI output and control makes playing back videos on an HDTV a breeze. And with multi-recording dual TruePic V technology, you can capture HD videos and take 16MP still images at the same time. Think of the possibilities!What's in the box? Everything you need to get started--the SZ-31 long-zoom digital camera with installed lithium-ion rechargeable battery; strap; a stylus pen, UL-listed charger; USB cable; A/V cable; Olympus Set-Up CD-Rom, and a two-title software disc with Greeting Card Factory and Memories on TV.From Olympus.Consult manufacturer's documentation regarding the safe and proper use, handling, storage, charging and disposal of products containing lithium-ion batteries.Includes SZ-31 camera; lithium-ion battery; strap; charger; stylus; USB cable; A/V cable; set-up CD-Rom; and two-title software disc with Greeting Card Factory and Memories on TV
16 megapixels
1/2.3" image sensor
CMOS contrast detection
4.5mm to 108mm f3.0 to f6.9 lens
24X optical zoom
48X Super Resolution Zoom
4X digital zoom
3"diag high-res touch LCD monitor
43MB internal memory
Dual TruePic V image processing
iHStechnology
4 focus modes: face-detect AF, iESP auto, spot AF, AF tracking
Digital ESP metering, spot metering
Program Auto, Intelligent Auto modes
Beauty Mode with Makeup Mode
16 scene modes
12 Magic Art Filter modes
Sequential shooting up to 60fps
ISO sensitivity to 6,400; auto, high auto ISO
Built-in flash
Red-eye reduction
Two-, 12-second self-timers
Pet detection
1080P HD video, VGA movie files
SD/SDHC/SDXC memory card slot; supports UHS-I and Eye-Fi
Multi-connector, HDMI type-D outputs
Measures approx 4"L x 1-5/8"D x 2-7/8"H; 8.5 oz
UL listed charger; 1-year LMW
QVC Coupons
16 megapixels
1/2.3" image sensor
CMOS contrast detection
4.5mm to 108mm f3.0 to f6.9 lens
24X optical zoom
48X Super Resolution Zoom
4X digital zoom
3"diag high-res touch LCD monitor
43MB internal memory
Dual TruePic V image processing
iHStechnology
4 focus modes: face-detect AF, iESP auto, spot AF, AF tracking
Digital ESP metering, spot metering
Program Auto, Intelligent Auto modes
Beauty Mode with Makeup Mode
16 scene modes
12 Magic Art Filter modes
Sequential shooting up to 60fps
ISO sensitivity to 6,400; auto, high auto ISO
Built-in flash
Red-eye reduction
Two-, 12-second self-timers
Pet detection
1080P HD video, VGA movie files
SD/SDHC/SDXC memory card slot; supports UHS-I and Eye-Fi
Multi-connector, HDMI type-D outputs
Measures approx 4"L x 1-5/8"D x 2-7/8"H; 8.5 oz
UL listed charger; 1-year LMW
QVC Coupons
FujiFilm Finepix JX500 14MP Digital Camera * with Bonus 4gb SD, Case & 100 4x6 prints * $49 (camera reg $79) walmart.com
Added on : Tuesday March 05th 2013 11:00:04 AM
LinkyLoo - Free store pick-up or add $1.97 shippingFUJIFILM Silver Finepix JX500 14MP Digital Camera w/ 5x Optical Zoom Lens, 2.7" LCD Display, HD Video
BONUS:
4GB SD Card
Case
100 4x6 Prints
The Fujifilm Silver 5x Optical Zoom Digital Camera, JX500 features a 2.7" LCD screen that's designed to be seen easier in sunlight when composing pictures or reviewing shots. It also comes equipped with a 5x Fujinon optical zoom lens (26-130mm equivalent to a 35mm camera) with a powerful 14MP sensor designed to capture scenes packed with detail. Smile and Shoot and Blink Detection ensure that you never miss a memorable moment. This Fujifilm FinePix JX500 Digital Camera has been engineered to lock focus on subjects in a shorter time than previous models so that you are virtually guaranteed to never miss a shot that matters.Fujifilm FinePix JX500 Digital Camera: 14 megapixel resolution with high-quality still images and video recordings
Featuring 720p HD movie capture, dedicated movie recording button, Smile and Shoot and Blink Detection
Fujinon 4.6 - 23mm zoom lens with 5x optical/6.7x digital zoom
Equivalent to a 26-130mm lens on an analog camera
2.7" TFT LCD screen with image editing features
Featuring 230,000 dots resolution
Built-in flash
Additional Features on the Fujifilm FinePix JX500 Digital Camera: 1 SD/SDHC/SDXC memory card slot (memory card not included)
Rechargeable Lithium-Ion battery for up to 170 shots
ISO Modes: Auto, 100, 200, 400, 800, 1600, 3200
3.7" x 2.2" x 0.8"; 3.9 oz
Compatibility and Warranty: Fujifilm 14 Megapixel Digital Camera is compatible with PC or Mac
1-year limited manufacturer warranty
What's in the Box: Fujifilm FinePix JX500 Digital Camera
Battery
Power adapter
USB cable
Hand strap
CD-ROM
Owner's manual
BONUS:
4GB SD Card
Case
100 4x6 Prints
The Fujifilm Silver 5x Optical Zoom Digital Camera, JX500 features a 2.7" LCD screen that's designed to be seen easier in sunlight when composing pictures or reviewing shots. It also comes equipped with a 5x Fujinon optical zoom lens (26-130mm equivalent to a 35mm camera) with a powerful 14MP sensor designed to capture scenes packed with detail. Smile and Shoot and Blink Detection ensure that you never miss a memorable moment. This Fujifilm FinePix JX500 Digital Camera has been engineered to lock focus on subjects in a shorter time than previous models so that you are virtually guaranteed to never miss a shot that matters.Fujifilm FinePix JX500 Digital Camera: 14 megapixel resolution with high-quality still images and video recordings
Featuring 720p HD movie capture, dedicated movie recording button, Smile and Shoot and Blink Detection
Fujinon 4.6 - 23mm zoom lens with 5x optical/6.7x digital zoom
Equivalent to a 26-130mm lens on an analog camera
2.7" TFT LCD screen with image editing features
Featuring 230,000 dots resolution
Built-in flash
Additional Features on the Fujifilm FinePix JX500 Digital Camera: 1 SD/SDHC/SDXC memory card slot (memory card not included)
Rechargeable Lithium-Ion battery for up to 170 shots
ISO Modes: Auto, 100, 200, 400, 800, 1600, 3200
3.7" x 2.2" x 0.8"; 3.9 oz
Compatibility and Warranty: Fujifilm 14 Megapixel Digital Camera is compatible with PC or Mac
1-year limited manufacturer warranty
What's in the Box: Fujifilm FinePix JX500 Digital Camera
Battery
Power adapter
USB cable
Hand strap
CD-ROM
Owner's manual
When do you purchase an Umbrella policy, and how do you determine how much you need?
Added on : Monday March 04th 2013 06:01:05 PM
I've had an umbrella policy in addition to my homeowners and auto insurance for about 5 years, but I'm starting to question if I really need it, and if so how much of a policy do I need. I thought I would come hear and ask the wisdom of the FW group.If it matters I'm married and have a 3 year old son, a 18 yr old step-son and 25 yr old step-daughter.Thank you.
Lessons learned from two years of living on visa gift cards.
Added on : Monday March 04th 2013 03:00:58 PM
Here is a list of lessons I've learned using visa gift cards, dealing with loss, fraud, and other practical matters. Hopefully, others with find this useful.Top uses of gift cards:
-Everyday spend
-Bills, cable, gas, water, insurance (overpay when possible)
-Taxes, IRS, property tax
-Online payment systems
-Giftcard Granny and CashBack portals to stack.Purchasing:
-I purchase in my neighborhood grocery story, most cashiers know me by site and let me purchase a few at a time. I've only run into hassle in less affluent locations of the chain.
-When stacking is available, I'll visit several times a day.
-With the friendly cashiers I'll tell them what I do, some of them have told me they've started paying their property taxes and are very pleased.Draining:
-Az pmts
-Square for small values~$40 a quarter.
-Gas station for values less than $1, square/AZpmts won't take less than $1.
-Az gift cards for less than $1.Records keeping:
-I keep every card in three stacks. used, reviewed, archived
-Used are for cards with a small residual value.
-Reviewed are cards I've drained through AZ, square or gas station.
-Archived are cards I've let sit for several months to ensure all charges have been posted. Sometimes there is a latent residual value that will pop up even on drained cards. I cut and paste the activity of the archived cards into and excel spread sheet for tax purposes.
Fraud, loss, and other buffoonery.
-I purchase regularly from a major grocery chain. I've experienced fraud once and a misplacement of $5k worth or cards.
-Someone scratched out the number of my card, and somehow drained the value after I purchased. For the fraud I called the grocery store gift card hotline (not the visa hotline). Grocery store department opened a fraud case for me and I had a replacement card within 10 days. To avoid fraud, make sure the card you purchase is in a unmarred package that is exactly like every other card on the rack.
-The loss of $5k in cards was painless. I had the receipt, I called the hotline, verified my identity and the card used. The person on the hotline did some investigation and gave me the numbers and balance, which I used to pay taxes. If I needed the physical card I would have used their case file, and my receipt to have Visa re-issue me the card.
Bottom line: keep receipts, shop at a reputable store and don't panic. Don't call visa hotline, until you've solved the problem on the grocery store end. Also the actual store won't be as helpful as the corporate hotline. I was very impressed with the customer service I got in my cases.Stacking rewards:
-The regional branch of my national chain used to send a Cash Back check, then phased that out for gasoline rewards. I have traveled to other regions and purchased gift cards from another branch and did receive the rewards check at the end of the quarter. Registering cards for online:
-usually I do not, but many merchants require it. If the card is initially rejected, I'll then go and register it and then re-try the purchase.
-No need to register for AZ, IRS or property tax.Purchase protection, returns, travel:
-If I purchase something I want extended warranty on, I use my regular credit card, AMEX rocks in this.
-Returns are sometimes a pain, if I've 'retired the card' sometimes I can get them to return to a different card, but often I'll have to dig in the archives to find the exact card.
-One time I got lucky at a home improvement store and they refunded nearly $500 in cash.
-For hotel, rental car, I give them typical credit card at check in and close out bill with gift card.Please post your lessons or PM me with questions.
-Everyday spend
-Bills, cable, gas, water, insurance (overpay when possible)
-Taxes, IRS, property tax
-Online payment systems
-Giftcard Granny and CashBack portals to stack.Purchasing:
-I purchase in my neighborhood grocery story, most cashiers know me by site and let me purchase a few at a time. I've only run into hassle in less affluent locations of the chain.
-When stacking is available, I'll visit several times a day.
-With the friendly cashiers I'll tell them what I do, some of them have told me they've started paying their property taxes and are very pleased.Draining:
-Az pmts
-Square for small values~$40 a quarter.
-Gas station for values less than $1, square/AZpmts won't take less than $1.
-Az gift cards for less than $1.Records keeping:
-I keep every card in three stacks. used, reviewed, archived
-Used are for cards with a small residual value.
-Reviewed are cards I've drained through AZ, square or gas station.
-Archived are cards I've let sit for several months to ensure all charges have been posted. Sometimes there is a latent residual value that will pop up even on drained cards. I cut and paste the activity of the archived cards into and excel spread sheet for tax purposes.
Fraud, loss, and other buffoonery.
-I purchase regularly from a major grocery chain. I've experienced fraud once and a misplacement of $5k worth or cards.
-Someone scratched out the number of my card, and somehow drained the value after I purchased. For the fraud I called the grocery store gift card hotline (not the visa hotline). Grocery store department opened a fraud case for me and I had a replacement card within 10 days. To avoid fraud, make sure the card you purchase is in a unmarred package that is exactly like every other card on the rack.
-The loss of $5k in cards was painless. I had the receipt, I called the hotline, verified my identity and the card used. The person on the hotline did some investigation and gave me the numbers and balance, which I used to pay taxes. If I needed the physical card I would have used their case file, and my receipt to have Visa re-issue me the card.
Bottom line: keep receipts, shop at a reputable store and don't panic. Don't call visa hotline, until you've solved the problem on the grocery store end. Also the actual store won't be as helpful as the corporate hotline. I was very impressed with the customer service I got in my cases.Stacking rewards:
-The regional branch of my national chain used to send a Cash Back check, then phased that out for gasoline rewards. I have traveled to other regions and purchased gift cards from another branch and did receive the rewards check at the end of the quarter. Registering cards for online:
-usually I do not, but many merchants require it. If the card is initially rejected, I'll then go and register it and then re-try the purchase.
-No need to register for AZ, IRS or property tax.Purchase protection, returns, travel:
-If I purchase something I want extended warranty on, I use my regular credit card, AMEX rocks in this.
-Returns are sometimes a pain, if I've 'retired the card' sometimes I can get them to return to a different card, but often I'll have to dig in the archives to find the exact card.
-One time I got lucky at a home improvement store and they refunded nearly $500 in cash.
-For hotel, rental car, I give them typical credit card at check in and close out bill with gift card.Please post your lessons or PM me with questions.
Business Owners/Independent Contractors: Do you use a per diem or claim exact expenses for travel?
Added on : Monday March 04th 2013 09:01:36 AM
I work part time for a small group/"firm" of arbitrators. These people individually travel to hear arbitration cases all over the country anywhere from once to ten times a month, occasionally traveling with a senior staff member (me, usually) when the case is exceedingly large/complex and a second perspective might be valued later. Arbitrators are paid like independent contractors from the parties that select them - during the selection process a fee schedule goes out that the selecting parties agree to ahead of time. Currently, all fee schedules indicate exact cost for hotel/food will be charged. This is time consuming to handle, as it eventually falls to people like me to record every single expense now matter how small for those categories and file away receipts. And then people lose stuff like that $5 McDonalds receipt and one of the parties therefore doesn't want to pay for it. I probably spend 15-35 hours a month on managing this, depending on case volume. I have been trying to get the office to move over to claiming federal per diem rates, arguing this would be easier both in practice and would in almost every case result in more money for the arbitrator and give them more flexibility. According to the federal government, arbitrators claim about $500/day hotels, meals, and incidentals - we are at about half that and using federal per diem still wouldn't put us at average. Has anyone else had any experience with this either as a business owner who went one way or the other or an independent contractor that worked with both types of systems (using government per diem vs claiming actual expenses)? Any tax implications that make either one better than the other?
The Curse of Europa (Europa Mission) Brian KayserPublication Date: 2/6/13You are invited to accompany a crew of eight astronauts on their mission to the Jupiter ice-moon named Europa. Their mission is relatively straight forward, look for evidence of life in a vast ocean, which is trapped beneath a thick blanket of ice. There is one problem though... "The Curse!"Over the past 36 years, man has been trying to explore Europa. Every mission to date has ended in failure. Now in 2056, with a faster space craft, the Global Space Organization is trying one more mission. This fully manned mission will attempt to put humans on the surface to search for liquid water, and possibly life. Will this mission finally be the one to succeed, or will it end in failure as well... or worse?Follow Lt. Commander Patrick Turkovitch, Dr. Juliana Evans, and six other astronauts as they try to make history by being the first humans to set foot on the Jovian moon. Will they find life deep in the oceans of Europa, will they find romance, or will the find that the curse is for real? What are they willing to do to ensure their mission is a success? Find out in "The Curse of Europa"thecurseofeuropa.comEssays for the 99% - The Auction - The Choice by John DavidPublished 1/26/12"A four-course meal for the mind, served through the drive-up window.""This writer is spot on . . . making him one of the biggest dreamers in America at the present time. His writing is eloquent and concise."". . . every American not currently in the 1% should read this book and think hard about the ideas."
The Essays for the 99% are the voice of the speechless, the dream of the hopeless, and the passion of the true Patriots who love this great nation enough to want to save it.This is The Auction, and The Choice. Our government is for sale to the highest bidder, and there will be no "winner" for the American people.There is a word for those who sell something that they do not "own," and that word is "criminal."Make Money With Ebay by Gerald Zimmerman Publication 2/21/13Everywhere you look these days, people are searching for a way to raise some money to live on, or to supplement what they have. Millions of Americans are out of work, and many have given up on getting a job.
Sadly, very few jobs are to be found. And the situation at home becomes a nightmare, something they never thought they would be involved in. People who are used to making good healthy incomes are finding that their unemployment checks are running out, and just keeping their head above the financial waters is going to be a real problem for them.They discover quickly that they can only ask friends and family for money just so many times, and then that source of cash dries up. But the grocer and the gas station still want their money when making a purchase from them, and the mortgage, and the car payment, and the kids clothing, and the food, and electricity for the house, and a few dollars to spend. Those things seem like an impossibility.All of this is causing a huge part of our population to become depressed and down.So begins the text in this book, Make Money With eBay by Gerald Zimmerman. In this day of difficult financial situations, and lost jobs, and failing economies, people everywhere are looking for just a little something to help with their personal finances.In this book, Zimmerman presents the idea of finding things around the house, and at thrift stores and yard sales and from friends that might be sold on eBay. Thousands upon thousands of people are doing just that, and many are making very handsome incomes online.This is a book that is a must for those who need a lift, a shot in the arm so to speak, and an idea of what to do to support their life and their families.Make Your Money Work for You: How to End Your Financial Depression and Secure Your Future by Justin SkibinskiPublication: 1/17/13 Have you ever wondered if there was another way to make money other than having a job? Have you ever wanted to make your money work for you, instead of you working for your money? Do you want to start acting like the wealthy 1% just by making a few changes in the way you utilize your own money?
So whats all this then? Is this another eBook on getting rich quick? Fortunately, no. Make Money Work For You was written to start my lifelong goal of financial security for all who want it. It scratches the surface of the social norms that govern how we ought to deal with our money, while showing you what you must do to defeat said norms.
The tricks and tips in this eBook are essentially frameworks and guidelines that you must follow to become part of the new rich that is burgeoning in our country. There is a new rich in this world and in America in particular. These men and women are not billionaires, but they do live the lifestyle. They have worked hard to setup ways of making a decent amount of money without having to do much of anything after the initial setup.
Finally, for how much this eBook is written about serious matters, I write in a somewhat humorous, nonchalant manner and I hope you take my jokes and humor lightly. I do like having fun - I had a lot of fun writing this eBook and I hope you can enjoy the short ride it has to offer.Best 100 Kindle Fire HD Apps: MKW lIDW way qirh Kinslw Diew HS: UpsRWS mexh 2013 by Michael K. EdwardsPublished 2/26/13
While Kindle Fire HD is designed for reading, you can now load your favorite gadget with a number of free and paid applications to enjoy. These apps will not only improve your reading experience, but will also give you better and increased chances to read and keep track of other sources of entertainment. This book unveils the top 100 apps available for Kindle Fire HD and reasons why they are the right choice for all Kindle Fire HD users.
At the end of this book, you will be able to count your favorite list of apps on your fingers after giving most of them an enthusiastic and fun-filled trial. Simply click on the name of the application or the picture to learn more about the Kindle Fire HD apps available on Amazon.com.
The Essays for the 99% are the voice of the speechless, the dream of the hopeless, and the passion of the true Patriots who love this great nation enough to want to save it.This is The Auction, and The Choice. Our government is for sale to the highest bidder, and there will be no "winner" for the American people.There is a word for those who sell something that they do not "own," and that word is "criminal."Make Money With Ebay by Gerald Zimmerman Publication 2/21/13Everywhere you look these days, people are searching for a way to raise some money to live on, or to supplement what they have. Millions of Americans are out of work, and many have given up on getting a job.
Sadly, very few jobs are to be found. And the situation at home becomes a nightmare, something they never thought they would be involved in. People who are used to making good healthy incomes are finding that their unemployment checks are running out, and just keeping their head above the financial waters is going to be a real problem for them.They discover quickly that they can only ask friends and family for money just so many times, and then that source of cash dries up. But the grocer and the gas station still want their money when making a purchase from them, and the mortgage, and the car payment, and the kids clothing, and the food, and electricity for the house, and a few dollars to spend. Those things seem like an impossibility.All of this is causing a huge part of our population to become depressed and down.So begins the text in this book, Make Money With eBay by Gerald Zimmerman. In this day of difficult financial situations, and lost jobs, and failing economies, people everywhere are looking for just a little something to help with their personal finances.In this book, Zimmerman presents the idea of finding things around the house, and at thrift stores and yard sales and from friends that might be sold on eBay. Thousands upon thousands of people are doing just that, and many are making very handsome incomes online.This is a book that is a must for those who need a lift, a shot in the arm so to speak, and an idea of what to do to support their life and their families.Make Your Money Work for You: How to End Your Financial Depression and Secure Your Future by Justin SkibinskiPublication: 1/17/13 Have you ever wondered if there was another way to make money other than having a job? Have you ever wanted to make your money work for you, instead of you working for your money? Do you want to start acting like the wealthy 1% just by making a few changes in the way you utilize your own money?
So whats all this then? Is this another eBook on getting rich quick? Fortunately, no. Make Money Work For You was written to start my lifelong goal of financial security for all who want it. It scratches the surface of the social norms that govern how we ought to deal with our money, while showing you what you must do to defeat said norms.
The tricks and tips in this eBook are essentially frameworks and guidelines that you must follow to become part of the new rich that is burgeoning in our country. There is a new rich in this world and in America in particular. These men and women are not billionaires, but they do live the lifestyle. They have worked hard to setup ways of making a decent amount of money without having to do much of anything after the initial setup.
Finally, for how much this eBook is written about serious matters, I write in a somewhat humorous, nonchalant manner and I hope you take my jokes and humor lightly. I do like having fun - I had a lot of fun writing this eBook and I hope you can enjoy the short ride it has to offer.Best 100 Kindle Fire HD Apps: MKW lIDW way qirh Kinslw Diew HS: UpsRWS mexh 2013 by Michael K. EdwardsPublished 2/26/13
While Kindle Fire HD is designed for reading, you can now load your favorite gadget with a number of free and paid applications to enjoy. These apps will not only improve your reading experience, but will also give you better and increased chances to read and keep track of other sources of entertainment. This book unveils the top 100 apps available for Kindle Fire HD and reasons why they are the right choice for all Kindle Fire HD users.
At the end of this book, you will be able to count your favorite list of apps on your fingers after giving most of them an enthusiastic and fun-filled trial. Simply click on the name of the application or the picture to learn more about the Kindle Fire HD apps available on Amazon.com.
Unbelievable coupon savings and shopping deals at your favorite stores, restaurants & gas stations - coupons always at your fingertips, everywhere you go!The Coupons App - Deals features:* Coupon WIDGET - Real-time coupons and daily deals throughout each day. Shopping has never been easier or more fun when the deals come to you!
* GAS prices - Cheapest gas at local gas stations nearby. Gas pricing updates based on your current location - save money on gas whenever you fill up the car no matter where you are.
* BARCODE scanner - Price comparison shopping tool.
* SHARE Coupon - Text deals & email coupons, Twitter coupons, even coupon sharing onto Facebook!
* VOICE search coupons - Fast, easy and hands-free coupon and product deal searching means it is now even easier to find exactly what you want at the lowest price available.
* SAVE Coupons - Coupon to calendar, one-tap maps navigate you to the nearest venue, phone the nearest location shown in each coupon and much more!Coupons continuously update throughout each day, it's like a fresh coupon buffet at your fingertips! Place the coupon widget onto your home screen and preview coupons instantly as they become available.SMS Text coupon & deals - share each deal coupon with any phone. You may even text each coupon to older analog phones without The Coupons App - Deals installed & on other carriers!Search coupons and local Groupon daily deals while shopping - Coupon & deal searching even while shopping in the store checkout line.Redeeming coupons from The Coupons App offers is easy! Simply display coupon on your phone to cashier.https://play.google.com/store/apps/details?id=thecouponsapp.coup...
* GAS prices - Cheapest gas at local gas stations nearby. Gas pricing updates based on your current location - save money on gas whenever you fill up the car no matter where you are.
* BARCODE scanner - Price comparison shopping tool.
* SHARE Coupon - Text deals & email coupons, Twitter coupons, even coupon sharing onto Facebook!
* VOICE search coupons - Fast, easy and hands-free coupon and product deal searching means it is now even easier to find exactly what you want at the lowest price available.
* SAVE Coupons - Coupon to calendar, one-tap maps navigate you to the nearest venue, phone the nearest location shown in each coupon and much more!Coupons continuously update throughout each day, it's like a fresh coupon buffet at your fingertips! Place the coupon widget onto your home screen and preview coupons instantly as they become available.SMS Text coupon & deals - share each deal coupon with any phone. You may even text each coupon to older analog phones without The Coupons App - Deals installed & on other carriers!Search coupons and local Groupon daily deals while shopping - Coupon & deal searching even while shopping in the store checkout line.Redeeming coupons from The Coupons App offers is easy! Simply display coupon on your phone to cashier.https://play.google.com/store/apps/details?id=thecouponsapp.coup...
Women's Eastland Ontario Leather Shoes $19.99 (was $69.99) + $9.95 Shipping (free ship & discount possible) at Boscov's
Added on : Saturday March 02nd 2013 12:00:02 AM
ShoesCash BackReviews at Eastland's website============== Ontario oxford shoe features a genuine leather upper, lace-up closure, comfortable lining/footbed, padded collar and a durable man-made outsole. Item:# 148993 Price: $69.99
Now! $19.99Our charge for standard delivery is $9.95 (no matter how many items on your order*). Multiple quantities of the same item may require additional shipping charges. Shipping Information Free shipping on orders of $99 or more. No code - exclusions apply.Extra 15% off your order of $100 or more (exclusions apply) with coupon code: SAVE15============== The Eastland leather shoe style that I've been wearing almost daily for the past year has the same sole pattern as this shoe and has held up well, unlike two previous Eastland styles that I owned which had a wavy sole pattern that split completely through the shoe within a year (one pair only lasted a few months).Sizing for Eastland shoes tends to be either true, short, or narrow. The leather is stiff but loosens comfortably with wear. Choose a wider width or a half-size larger when in doubt.Boscov's also has Eastland's Mamma Mia leather shoe for $24.99 (was $64.99) here. BlueTopaz
Now! $19.99Our charge for standard delivery is $9.95 (no matter how many items on your order*). Multiple quantities of the same item may require additional shipping charges. Shipping Information Free shipping on orders of $99 or more. No code - exclusions apply.Extra 15% off your order of $100 or more (exclusions apply) with coupon code: SAVE15============== The Eastland leather shoe style that I've been wearing almost daily for the past year has the same sole pattern as this shoe and has held up well, unlike two previous Eastland styles that I owned which had a wavy sole pattern that split completely through the shoe within a year (one pair only lasted a few months).Sizing for Eastland shoes tends to be either true, short, or narrow. The leather is stiff but loosens comfortably with wear. Choose a wider width or a half-size larger when in doubt.Boscov's also has Eastland's Mamma Mia leather shoe for $24.99 (was $64.99) here. BlueTopaz
Very Hot Deal Big Men's Ripstop Jacket with Fleece Lining $9.00 with .97 Shipping
Added on : Wednesday February 27th 2013 10:00:04 AM
This is a great deal for a good jacket at 75% off.... Jacket Link
Prepare for winter with the Big Men's Ripstop Jacket with Fleece Lining. A favorite for snowy climes and skiing trips, this jacket with fleece lining features a polyester shell that will keep you dry and weather-proof you against the wind. The skiing jacking incorporates soft insulation for extra warmth and comfort while a high Velcro-closure collar keeps your neck protected from cold. A zipper front allows you to dress and style easily on casual or warmer days and, during winter months, you can layer the Big Men's ripstop jacket with tees and sweaters for enhanced thermal warmth. Available in multiple colors, this men's skiing jacket has two zipper chest pockets that keep cell phones and keys both accessible and secure. An all-weather basic, this jacket with fleece lining will quickly make its way into daily wardrobe rotation. No matter when you wear it, youll get reliable performance from the Big Men's Ripstop Jacket with Fleece Lining. Big Men's Rip stop Jacket with Fleece Lining:
Available in Big Men's sizes
100% polyester
Full front zip
Long sleeves
Velcro collar
2 zippered chest pockets
Drawstring at waist
Machine wash warm
Walmart Coupons
Prepare for winter with the Big Men's Ripstop Jacket with Fleece Lining. A favorite for snowy climes and skiing trips, this jacket with fleece lining features a polyester shell that will keep you dry and weather-proof you against the wind. The skiing jacking incorporates soft insulation for extra warmth and comfort while a high Velcro-closure collar keeps your neck protected from cold. A zipper front allows you to dress and style easily on casual or warmer days and, during winter months, you can layer the Big Men's ripstop jacket with tees and sweaters for enhanced thermal warmth. Available in multiple colors, this men's skiing jacket has two zipper chest pockets that keep cell phones and keys both accessible and secure. An all-weather basic, this jacket with fleece lining will quickly make its way into daily wardrobe rotation. No matter when you wear it, youll get reliable performance from the Big Men's Ripstop Jacket with Fleece Lining. Big Men's Rip stop Jacket with Fleece Lining:
Available in Big Men's sizes
100% polyester
Full front zip
Long sleeves
Velcro collar
2 zippered chest pockets
Drawstring at waist
Machine wash warm
Walmart Coupons
Water Department Sent My Parents a Bill for Over 20k for a Forgotten Meter. Advice?
Added on : Tuesday February 26th 2013 07:00:57 PM
Issue:
So my parents own a commercial property and we recently received a bill from our water department in the amount of over 20k. Upon further reading, the water dept discovered that the property had not been billed a surcharge for over a decade due to a forgotten meter.My parents are fine with paying the amount of what should have been charged when they were using the property. The problem is, my parents also had a tenant for 3-4 years during the last decade of which they no longer can get a hold of. To make matters worst, our Water Department at the time (and still do) did not change the name of the water bill to the tenant's name when the tenant leased the property. Rather the Water Dept required the bills be in the name of the property owner (my parents). As a result, the water bills were under my parent's name for the last decade and the Water Dept stated that it is my parent's sole responsibility for the 20k bill (including the tenant's). They are threatening to put a lien on the property if it does not get paid.What has been done thus far:
My parents met with a manager at the Water Dept to discuss our issue. However, the manager took down the information and told my parents that they would come to a decision within 30 days. My parents received a letter a few weeks later outlining the Water Dept's investigation and concluded that my parents are solely responsible for the full amount derived from Pennsylvania state law and reiterated the lien.
I'm kindly asking what others would do in this situation.Thanks in advance!
So my parents own a commercial property and we recently received a bill from our water department in the amount of over 20k. Upon further reading, the water dept discovered that the property had not been billed a surcharge for over a decade due to a forgotten meter.My parents are fine with paying the amount of what should have been charged when they were using the property. The problem is, my parents also had a tenant for 3-4 years during the last decade of which they no longer can get a hold of. To make matters worst, our Water Department at the time (and still do) did not change the name of the water bill to the tenant's name when the tenant leased the property. Rather the Water Dept required the bills be in the name of the property owner (my parents). As a result, the water bills were under my parent's name for the last decade and the Water Dept stated that it is my parent's sole responsibility for the 20k bill (including the tenant's). They are threatening to put a lien on the property if it does not get paid.What has been done thus far:
My parents met with a manager at the Water Dept to discuss our issue. However, the manager took down the information and told my parents that they would come to a decision within 30 days. My parents received a letter a few weeks later outlining the Water Dept's investigation and concluded that my parents are solely responsible for the full amount derived from Pennsylvania state law and reiterated the lien.
I'm kindly asking what others would do in this situation.Thanks in advance!
Need advice about how to get my full deposit back on my rent
Added on : Tuesday February 26th 2013 03:01:05 PM
My husband has been serving in the military for 17 years and for the past 15 years we have rented and have never gotten 1 cent less then our full deposit back. Two years ago we moved into a house owned by a lawyer. He seemed nice enough. Boy were we wrong! The house is about 75 years old and when we moved in we noticed issues right away that you couldn't notice until you were actually living there. The fridge was hot wasting $200 worth of food. He bought a refrigerator that was apartment sized. Not so great when you are a family of 6! But we didn't complain. The dishwasher was never working ..he replaced it. Everything we noticed he fixed in the first week of our moving in but he seemed to start getting irritated so we stopped mentioning anything. When we moved in it was still winter so we didn't need the a/c but when we finally started to NEED it we noticed it wasn't getting colder then 82 degrees in the house no matter how low we turned the air conditioner down. Wow when we got that electric bill we were astonished! It was $350 mind you almost everything in the house runs on gas except small appliances and the a/c after about 2 months of trying to endure the heat because we didn't want to be "complainers" my husband broke down and sent him emails. He sent a friend of a friend over who didn't fix anything. Every day we would send emails asking when it would be fixed. He always had lame excuses but he did reply. I also told him right away about some water that was pouring intot the back of the house. It wasn't just a little splash it was a few gallons that would pour in when it rained. He sent someone but the man said it was too big of a job. We continued to email back and forth and he never fixed it until I told him that my child has been sick and I believe it was due to mold caused by the water pouring in. My daughter was on antibiotics for 4 months at least twice a month. I could get a letter from her pediatrician stating she knew I was having troubles with the landlord fixing the water leak and that he wouldn't fix it because I spoke to her about it Everytime my child was sick. She was on a breathing machine for months! Finally with a threatening email letting him know my DR believes that it is infact mold he sent someone in. They came and ripped up half of the house and removed walls within 2 days because it was covered in mold. My living space was knocked in half. The house was covered and separated in plastic for two additional months for all repairs to be finished. Then after that was fixed we got him to fix problem with the house not cooling. He had holes in his roof sucking hot air in and sucking cold air out. Our electric bill finally was a normal $200 a month after 6 -7 months of living in hell. Finally we were happy and everything was fixed. My husband being military gave the lanlord first last and deposit and we didn't have spare money to move anywhere with 4 kids or we would have. I couldn't even get a new place when the lease was up because we just couldn't afford it and the house was fixed. The landlord extended our lease and we had shortly after asked him for rent credits due to my kids illnesses for months of the mold and leak not being cared for ,for the a/c issues taking 7-8 months of not being taken care of. He wrote me and told me that we do not have any right to anything and if he could sue me for his house having mold he would because his home owners went up.(the mold and leak was years worth of damage). So we decided just to live quietly and leave peacefully. We expected to get all of our deposit back. 1 week before we were due to move out the landlord sent a drunk man to our home to do the yard. I told the man I was going to do the yard and the man said well I was already paid and hired. So I let him. Now my landlord wants to charge me $550 for this man doing the yard! Never once in two years did my landlord complain about how we kept the yard we always mowed. Ok bushes and stuff weren't but that's how it was left to us. He hired this man to landscape! Bushes were ripped out he said he cleaned leaves from the pool (which there was not 1 leaf in the pool I have photos) he said he was there for a total of 20 hrs or something to that effect . Yes he did a lot of work but he was in that small Florida lot for maybe 5 hrs tops, he came after noon and left when we were on our way to dinner. He also wants to charge me for replacing a sink faucet that I have an email telling him the sink faucet was on its last leg and it had been since I moved in and if I could find one cheap enough I would try to replace it. He said Ty and did not deny that it was broken in the email. I have pictures also. He also threatened me that if I don't accept his terms and to pay for the things he listed he will sue me for more later.what do I do? Do I have any rights? Can I sue for the damages and pain he caused my daughter for not fixing the leak and the mold? Can I sue for living in an inferno for months. Are my emails and his emails back enough? Wouldn't he have to tell me he thought my yard work was bad at least once before hiri a professional to get his home ready for tenants?
OK FWF, I'm curious what your brilliant minds have on this one.My brother and his fiance have called it quits. They bought a home summer of '11 with both their names on it. (love makes you do crazy things) All he wants at this point is to get his name off the house. He doesn't want to live in the house. She thought she could do it herself but after checking her finances. She can't do live there herself either.Sell it? With the market the way it is, who knows if it will sell quickly. They will lose money on it no matter what. It was a FHA loan at the minimum downpayment. (4.5% paid 140K for home) They can't afford to bring money to the table and the parents will not help.
Rent it? My brother doesn't want to have a rental property and be a landlord. He has too many other things on his plate. She thought about it but she couldn't do it alone. Her parents also thought about it but it doesn't appear they are interested either.
Walk away? I suggested this, I know it would take a hit on both their reports. My brother doesn't want to take a hit but he may have no choice.
Deed in Lieu? Our parents suggested this, but I'm unfamiliar with the term. It could have some huge tax implications, such as it becomes income earned?Is there something else? No pics
Rent it? My brother doesn't want to have a rental property and be a landlord. He has too many other things on his plate. She thought about it but she couldn't do it alone. Her parents also thought about it but it doesn't appear they are interested either.
Walk away? I suggested this, I know it would take a hit on both their reports. My brother doesn't want to take a hit but he may have no choice.
Deed in Lieu? Our parents suggested this, but I'm unfamiliar with the term. It could have some huge tax implications, such as it becomes income earned?Is there something else? No pics
Wellco Hot Weather Combat Boots $24 Tuesday Morning
Added on : Saturday February 23rd 2013 05:00:02 PM
4 variations of Wellco's military quality Signature Hot Weather Combat Boots on clearance for around $100 off retail at Tuesday Morning online.
Price does not include tax or FedEx S&H. They do not ship to PO boxes.
Tan - lace-up (Style No.T176) - 7 R; and 7.5 R & W
Tan - lace-up composite toe* - 7.5, 11.5, 13.0 R; and 10.5 W
Sage - lace-up (Style No.S176) - 11.5 R; and 9.5, 10.5, 11.0 W
Sage - side zip (Style No.T178) - 7.5 & 13.0 RRetail for $120150 (depending on source)
Features
- Combines the best of tactical boots with appropriate pattern work
- Compliance with 670-1 regulations
- 2 instep premium drain vents
- Dual density PU soiling system
- 30% lighter than traditional issue boots
- Moisture wicking properties
- Slip & Oil resistant
* Composite toe meets ASTM F2412-05 and F2413-05 StandardsProduct Specifications
- Midsole: Proprietary premium polyurethane
- Outsole: Wellco Hi density non melting PU
- Upper Material: Full grain leather and nylon
- Height: 8 inches
- Assembled in the USAVendor Blurb:
Since the 1960's Wellco has supplied the best and bravest products with the innovations needed to march across the world's battlefields. From the jungles of Vietnam to the mountains of Afghanistan Wellco shoes have prevailed in the world's toughest environments. Today the mission continues as Wellco Boots outfit those heading overseas and returning home. With a commitment that spawned the credo: THERE AND BACK. No matter where the battle lines are drawn Wellco boots remain dedicated to those willing to protect and serve.
Price does not include tax or FedEx S&H. They do not ship to PO boxes.
Tan - lace-up (Style No.T176) - 7 R; and 7.5 R & W
Tan - lace-up composite toe* - 7.5, 11.5, 13.0 R; and 10.5 W
Sage - lace-up (Style No.S176) - 11.5 R; and 9.5, 10.5, 11.0 W
Sage - side zip (Style No.T178) - 7.5 & 13.0 RRetail for $120150 (depending on source)
Features
- Combines the best of tactical boots with appropriate pattern work
- Compliance with 670-1 regulations
- 2 instep premium drain vents
- Dual density PU soiling system
- 30% lighter than traditional issue boots
- Moisture wicking properties
- Slip & Oil resistant
* Composite toe meets ASTM F2412-05 and F2413-05 StandardsProduct Specifications
- Midsole: Proprietary premium polyurethane
- Outsole: Wellco Hi density non melting PU
- Upper Material: Full grain leather and nylon
- Height: 8 inches
- Assembled in the USAVendor Blurb:
Since the 1960's Wellco has supplied the best and bravest products with the innovations needed to march across the world's battlefields. From the jungles of Vietnam to the mountains of Afghanistan Wellco shoes have prevailed in the world's toughest environments. Today the mission continues as Wellco Boots outfit those heading overseas and returning home. With a commitment that spawned the credo: THERE AND BACK. No matter where the battle lines are drawn Wellco boots remain dedicated to those willing to protect and serve.
County asking all kinds of qs about use of my commercial proprty to determine its value for assessment. Is that normal?
Added on : Saturday February 23rd 2013 09:01:14 AM
2 years ago at a foreclosure auction I bought a commercially zoned property in Washington County Maryland for about $100,000. A 5500 SF warehouse on a acre fully fenced. Its assessed at $250,000 and last year I paid about $4300 in RE taxes combined to county and city. Currently I use it to store cars for my used car business. The other day I get a form letter from the Maryland Department of assessments and taxation Washington Co assessment office stating, this office is required by law to value real property for assessment purposes every 3 years. To accomplish this we consider the cost to reproduce or replace the property less depreciation, a comparison and analysis of recent sales of similar properties, and in the case of rental or income-producing properties, a fair and reasonable capitalization of the income attributable to the property. This form seeks information pertaining to the financial operations of the property identified. The form itself has a list of some 30 items such as annual income, expenses, payroll, electricity, maintenance, etc. plus it asks the name of the mortgagee, amount and interest rate, monthly payment etc. Is this a common practice for counties to ask so many questions? It seems pretty intrusive. I dont have a mortgage but what business is that of the county to know the interest rate or monthly payment, or what my income or detailed expenses are for that matter? I have a commercial property in PG county as well as in Virginia and have never been asked such questions.
Office Depot FAR software for the week of 02/24/2013
Added on : Friday February 22nd 2013 10:00:16 PM
Office Depot FAR software for the week of 02/24/2013
One free after rebate title and three $9.99 after rebate titles. Details to follow.
====================
McAfee Internet Security For 3 PCs [830-698]
FREE After $10 Instant & $60 Mfr. Mail-In SavingsNorton Antivirus 2013/Norton Online Backup 5GB Bundle [873-394] $44.99
$9.99 After $5 Instant, $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid CardsPhotoImpact Pro 13 [948-245] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Mail-In SavingsPhoto Explosion Deluxe 5.0 [891-709]
$9.99 After $40 in (2) Mfr. Mail-In Savings
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
One free after rebate title and three $9.99 after rebate titles. Details to follow.
====================
McAfee Internet Security For 3 PCs [830-698]
FREE After $10 Instant & $60 Mfr. Mail-In SavingsNorton Antivirus 2013/Norton Online Backup 5GB Bundle [873-394] $44.99
$9.99 After $5 Instant, $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid CardsPhotoImpact Pro 13 [948-245] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Mail-In SavingsPhoto Explosion Deluxe 5.0 [891-709]
$9.99 After $40 in (2) Mfr. Mail-In Savings
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
So, my fiance is a teacher, in her 10th year. Teaches elementary grades.
I'm trying to keep this a tad vague for identity reasons, but enough details to get decent advice.
I feel this is legit for FWF as it can directly affect our finances.She just relocated from one state to another. (This is first year in this state as she moved down with me).
She is degreed, and has a masters, and nat. board certified.
She has 9 years of exemplary positive reviews. She was even used as a model classroom in her previous state a few years ago for some nationally renowned educational speaker/program that came through her state. People came from around the state to observe her classroom. I'm just trying to set the ground for the type of teacher she is.
Her possible one fault is that she is naturally soft spoken so she has to work hard to command attention (so to speak) from the kids. (I'm not a teacher so I don't know the lingo).So, this school year, she has been getting flack from her principal, repeatedly coming to Her Room throughout the fall and after christmas commenting that its too loud, and basically saying her class is out of control and not a good learning environment, etc etc. She contends that this principal doesn't understand the difference between constructive learning noise, and plain noise.I should add that the princple was in a traumatic car accident in the late summer and she didn't come to work again till later in the fall. Still doesn't seem 100% based on things she has said done and forgotten.They have had sit downs a couple times where the principal has basically threatened her job, saying I don't know if you'll make it through the year, or through Christmas. No matter what my fiance does its never good enough or quiet enough. Very early grade classrooms aren't gonna be quiet as church mice in our minds. Her previous principals had no issues with her and she has years of positive reviews to put on the table.She has been observed by several people, probably 8 observations at least. She got feedback on 2 of those in the fall. She was rated insufficient on these disciplinary type points in the fall and had to repeat the observations and procedure work for this program in the spring. Again, she just got feedback on that and was deemed insufficient.
The other 4 or 5 reviews, she got nothing. She has attended classroom management courses at their request, etc.It came to a point after Christmas that the principal was gonna call for a meeting with HR. Suddenly that meeting just never happened. She has tried reaching out to HR at the district but they wont talk to her until she goes through the principals boss first. The principals boss came and did an observation a few weeks ago and suddenly everything got quiet, no more attacks from the principal. (no more walking in her door yelling about ow its too loud, etc)During this quiet time, the principal removed a VERY disruptive student from Her Room at the mothers request (Not because the mother doubted her son was learning, but because the mother said her son and one other boy in the room feed off each other and she wanted them separated). The child once told my fianc that he didnt have to listen to white people.Hes now in a African American girls room, and he doesnt listen to her either.
Also during this quiet time, one child brought in a lighter, and set a piece of paper on fire in his desk. She said they were in the middle of a lesson, all kids in their seats, appeared to be doing the right things, when she saw smoke rising. She called for help, help came, put out the piece of paper, all ok. Just a little smoke. The child got suspended for several days. The mother had a meeting with the principal and said she felt her child was in the wrong, but she questioned how he could have gotten as far as to use the lighter if the teacher were doing heer job. This information was typed in a letter the principal gave my fianc the other day. The principal went on to say in this letter, that she continues to be concerned about the childrens safety in her classroom, and about how the mother expressed the above concerns, and that the principal felt my fianc acted insufficiently to prevent this from occurring. Then told her she is going to put this letter in her permanent file. We strongly disagree with this action and honestly we dont feel like the principal can take her opinionated letter, that shows no direct procedural fault on my fiancs behalf and put that In her permanent record file. My fianc has called for a meeting with the principals boss to discuss this. But Im thinking we may have to take this all the way to the school board or beyond.She is trying to find a spot at another school, but its very competitive out there now.
Im posting this looking for advice on actions to take and if we have grounds to demand this letter be removed or more.
I could see if my fiance had done something clearly negligent/not by the books. But she didnt. The incident was bad, and was resolved, but it was not her fault. To ding her record with this hearsay, opinion, and untruth seems to me to border on personal slander that could affect her career.Thank you for reading.
Advice welcomed!
I'm trying to keep this a tad vague for identity reasons, but enough details to get decent advice.
I feel this is legit for FWF as it can directly affect our finances.She just relocated from one state to another. (This is first year in this state as she moved down with me).
She is degreed, and has a masters, and nat. board certified.
She has 9 years of exemplary positive reviews. She was even used as a model classroom in her previous state a few years ago for some nationally renowned educational speaker/program that came through her state. People came from around the state to observe her classroom. I'm just trying to set the ground for the type of teacher she is.
Her possible one fault is that she is naturally soft spoken so she has to work hard to command attention (so to speak) from the kids. (I'm not a teacher so I don't know the lingo).So, this school year, she has been getting flack from her principal, repeatedly coming to Her Room throughout the fall and after christmas commenting that its too loud, and basically saying her class is out of control and not a good learning environment, etc etc. She contends that this principal doesn't understand the difference between constructive learning noise, and plain noise.I should add that the princple was in a traumatic car accident in the late summer and she didn't come to work again till later in the fall. Still doesn't seem 100% based on things she has said done and forgotten.They have had sit downs a couple times where the principal has basically threatened her job, saying I don't know if you'll make it through the year, or through Christmas. No matter what my fiance does its never good enough or quiet enough. Very early grade classrooms aren't gonna be quiet as church mice in our minds. Her previous principals had no issues with her and she has years of positive reviews to put on the table.She has been observed by several people, probably 8 observations at least. She got feedback on 2 of those in the fall. She was rated insufficient on these disciplinary type points in the fall and had to repeat the observations and procedure work for this program in the spring. Again, she just got feedback on that and was deemed insufficient.
The other 4 or 5 reviews, she got nothing. She has attended classroom management courses at their request, etc.It came to a point after Christmas that the principal was gonna call for a meeting with HR. Suddenly that meeting just never happened. She has tried reaching out to HR at the district but they wont talk to her until she goes through the principals boss first. The principals boss came and did an observation a few weeks ago and suddenly everything got quiet, no more attacks from the principal. (no more walking in her door yelling about ow its too loud, etc)During this quiet time, the principal removed a VERY disruptive student from Her Room at the mothers request (Not because the mother doubted her son was learning, but because the mother said her son and one other boy in the room feed off each other and she wanted them separated). The child once told my fianc that he didnt have to listen to white people.Hes now in a African American girls room, and he doesnt listen to her either.
Also during this quiet time, one child brought in a lighter, and set a piece of paper on fire in his desk. She said they were in the middle of a lesson, all kids in their seats, appeared to be doing the right things, when she saw smoke rising. She called for help, help came, put out the piece of paper, all ok. Just a little smoke. The child got suspended for several days. The mother had a meeting with the principal and said she felt her child was in the wrong, but she questioned how he could have gotten as far as to use the lighter if the teacher were doing heer job. This information was typed in a letter the principal gave my fianc the other day. The principal went on to say in this letter, that she continues to be concerned about the childrens safety in her classroom, and about how the mother expressed the above concerns, and that the principal felt my fianc acted insufficiently to prevent this from occurring. Then told her she is going to put this letter in her permanent file. We strongly disagree with this action and honestly we dont feel like the principal can take her opinionated letter, that shows no direct procedural fault on my fiancs behalf and put that In her permanent record file. My fianc has called for a meeting with the principals boss to discuss this. But Im thinking we may have to take this all the way to the school board or beyond.She is trying to find a spot at another school, but its very competitive out there now.
Im posting this looking for advice on actions to take and if we have grounds to demand this letter be removed or more.
I could see if my fiance had done something clearly negligent/not by the books. But she didnt. The incident was bad, and was resolved, but it was not her fault. To ding her record with this hearsay, opinion, and untruth seems to me to border on personal slander that could affect her career.Thank you for reading.
Advice welcomed!
Office Depot FAR software for the week of 02/23/2013
Added on : Friday February 22nd 2013 01:00:03 AM
Office Depot FAR software for the week of 02/23/2013
One free after rebate title and three $9.99 after rebate titles. Details to follow.
====================
McAfee Internet Security For 3 PCs [830-698]
FREE After $10 Instant & $60 Mfr. Mail-In SavingsNorton Antivirus 2013/Norton Online Backup 5GB Bundle [873-394] $44.99
$9.99 After $5 Instant, $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid CardsPhotoImpact Pro 13 [948-245] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Mail-In SavingsPhoto Explosion Deluxe 5.0 [891-709]
$9.99 After $40 in (2) Mfr. Mail-In Savings
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
One free after rebate title and three $9.99 after rebate titles. Details to follow.
====================
McAfee Internet Security For 3 PCs [830-698]
FREE After $10 Instant & $60 Mfr. Mail-In SavingsNorton Antivirus 2013/Norton Online Backup 5GB Bundle [873-394] $44.99
$9.99 After $5 Instant, $20 Mfr. Mail-In & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid CardsPhotoImpact Pro 13 [948-245] $79.99
$9.99 After $40 Mfr. Mail-In & $30 Mfr. Mail-In SavingsPhoto Explosion Deluxe 5.0 [891-709]
$9.99 After $40 in (2) Mfr. Mail-In Savings
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Appears DEAD. Dell Inspiron laptop with i5 $450 Sorry for late post!
Added on : Tuesday February 19th 2013 03:00:08 PM
I will preface this saying this is a complete copy of a deal on SD. I just wanted to post it here as well. I take zero credit for this and am simply sharing it for the purpose to share the deal and for comments I posted below as I'm in the market for a new laptop. Dell Inspiron Laptop Ivy Bridge i5, 17" 1600x900 resolution, 6GB RAM - $450 + free shipping
i5 laptop with a decent resolution, praise the Lord. It is a larger size due to that screen, so keep that in mind.$599.99 - Coupon code "T15HGBVS9PS?VF" takes it down to $449.99 with free shippinghttp://configure.us.dell.com/dell...3242274942Windows 8, 64-bit, English
Inspiron 17R Notebook (Inspiron 5721)
3rd Generation Intel Core i5-3317U processor (3M Cache, up to 2.6 GHz)
6GB Dual Channel DDR3 1600MHz
750GB 5400 RPM Hard Drive
Intel HD Graphics
8X CD / DVD Burner (Dual Layer DVD+/-R Drive)
17.3 HD+ (900p) WLED with Truelife (1600x900)
Intel Centrino Wireless 2230, 2x2 bgn + Bluetooth
Waves MaxxAudio 4
Dell Chiclet Keyboard with Multi-touch Touchpad, US English
Primary Battery 6 Cell
Moon Silver
I do want some input on this specific deal. I missed out yesterday on the new 17 inch deal for $399 they had. It has a new i3 process: i3-3227U There is no benchmark yet that I can find. It's still on sale today but at $449, still a pretty decent deal. My question is, the new 17R has an old i5 in it. The i5-3317U processor, I believe, from just scanning online came out last summer. Whereas the new i3 literally was just released. So to sum up, each is the same price at $449. BUT...17R has 6GB Ram, 750GB hard drive. 17 has 4GB Ram and 500 GB hard drive. It appears every other detail, besides process is the exact same. Why put out a new 17 inch with a new i3 in it AND put out a new 17R laptop with an old processor in it? Is the older i5 worth it for 2gb of ram and 250gb of hard drive?
I'd appreciate any input on this matter!
Dell Consumer Coupons
i5 laptop with a decent resolution, praise the Lord. It is a larger size due to that screen, so keep that in mind.$599.99 - Coupon code "T15HGBVS9PS?VF" takes it down to $449.99 with free shippinghttp://configure.us.dell.com/dell...3242274942Windows 8, 64-bit, English
Inspiron 17R Notebook (Inspiron 5721)
3rd Generation Intel Core i5-3317U processor (3M Cache, up to 2.6 GHz)
6GB Dual Channel DDR3 1600MHz
750GB 5400 RPM Hard Drive
Intel HD Graphics
8X CD / DVD Burner (Dual Layer DVD+/-R Drive)
17.3 HD+ (900p) WLED with Truelife (1600x900)
Intel Centrino Wireless 2230, 2x2 bgn + Bluetooth
Waves MaxxAudio 4
Dell Chiclet Keyboard with Multi-touch Touchpad, US English
Primary Battery 6 Cell
Moon Silver
I do want some input on this specific deal. I missed out yesterday on the new 17 inch deal for $399 they had. It has a new i3 process: i3-3227U There is no benchmark yet that I can find. It's still on sale today but at $449, still a pretty decent deal. My question is, the new 17R has an old i5 in it. The i5-3317U processor, I believe, from just scanning online came out last summer. Whereas the new i3 literally was just released. So to sum up, each is the same price at $449. BUT...17R has 6GB Ram, 750GB hard drive. 17 has 4GB Ram and 500 GB hard drive. It appears every other detail, besides process is the exact same. Why put out a new 17 inch with a new i3 in it AND put out a new 17R laptop with an old processor in it? Is the older i5 worth it for 2gb of ram and 250gb of hard drive?
I'd appreciate any input on this matter!
Dell Consumer Coupons
SteelSeries Spectrum 5XB Headset for PC & Xbox 360 w/ Braided Cable, AudioMixer & Retractable Microphone -$29.99 shipped
Added on : Saturday February 16th 2013 06:00:03 AM
http://1saleaday.com/flash/ss-61261/Must login to view/purchaseCondition: New
Packaging: Retail
Warranty: 1 Year
Manufacturer: SteelSeries
Model: 61261Features Include: Enjoy great sound on PC and Xbox 360 systems
Compatible with Xbox 360 live communication
Separate audio controls for optimal Xbox LIVE chat and in-game audio
Steelseries Livemix lets you hear what matters, when it matters, giving you the competitive edge
Easy dismantling into 3 separate pieces for safe transportation
Increased durability due to extra braided cable
Comfortable XL-sized, hear-through cloth ear cups
Invisible, retractable, uni-directional microphone in left ear-cup
40mm SunDancer (SCS) units deliver clear gaming optimized soundscape for FPS gaming
3.5mm mini jacks and RCA connectors for Xbox360 and PC
Easy access to independent volume controls for microphone and in-game audio
Retractable, unidirectional microphone system
Headphone frequency response: 16 - 28,000 Hz
Headphone impedance: 40 Ohm
110 dB SPL@ 1kHz, 1 Vrms
Headphone cable length: 3 ft.
Headphone jack: 3.5 mm
Microphone frequency response: 75 - 16,000 Hz
Microphone pick-up pattern: Unidirectional
Microphone sensitivity: -38 dB
Microphone impedance: 2K OhmPackage Includes:
SteelSeries Spectrum 5XB Headset, SteelSeries Spectrum AudioMixer, RCA Cable, Quick Start Guide
1SaleADay Coupons
Packaging: Retail
Warranty: 1 Year
Manufacturer: SteelSeries
Model: 61261Features Include: Enjoy great sound on PC and Xbox 360 systems
Compatible with Xbox 360 live communication
Separate audio controls for optimal Xbox LIVE chat and in-game audio
Steelseries Livemix lets you hear what matters, when it matters, giving you the competitive edge
Easy dismantling into 3 separate pieces for safe transportation
Increased durability due to extra braided cable
Comfortable XL-sized, hear-through cloth ear cups
Invisible, retractable, uni-directional microphone in left ear-cup
40mm SunDancer (SCS) units deliver clear gaming optimized soundscape for FPS gaming
3.5mm mini jacks and RCA connectors for Xbox360 and PC
Easy access to independent volume controls for microphone and in-game audio
Retractable, unidirectional microphone system
Headphone frequency response: 16 - 28,000 Hz
Headphone impedance: 40 Ohm
110 dB SPL@ 1kHz, 1 Vrms
Headphone cable length: 3 ft.
Headphone jack: 3.5 mm
Microphone frequency response: 75 - 16,000 Hz
Microphone pick-up pattern: Unidirectional
Microphone sensitivity: -38 dB
Microphone impedance: 2K OhmPackage Includes:
SteelSeries Spectrum 5XB Headset, SteelSeries Spectrum AudioMixer, RCA Cable, Quick Start Guide
1SaleADay Coupons
Getting audited - experiences / advice / tips & tricks
Added on : Friday February 15th 2013 02:01:03 PM
As the owner of a couple (very) small side businesses, I'm always trying to find ways to use the tax code in my favor. My wife is a CPA, does our taxes, and is very risk averse; while I like to get close enough to the bars to smell 'em without actually getting behind them, she would rather not allow me to deduct various expenses no matter how legitimate I could theorize them to be.I know there are plenty of other FWF folks that walk that line about this time each year.Was hoping we could throw in a mishmosh of advice from those in the know, experiences from those that have been through an audit, or just random musings on audit risk in general.If you've been through an audit, do you know what triggered it? How was the experience? Were you penalized, and by how much? Was the original infraction 'worth it' or do you still work the numbers like you did before?If you haven't been through an audit, what do you do that you know is in the gray? Are you writing off your entire cellphone bill when you never use it for business? Meals out that technically shouldn't be an expense? Is there some 1099 income that you have 'forgotten about' to no detriment?Any data points like income levels, amount of (un)disputed item, etc. would really be helpful.Hopefully this doesn't sound like a "how do I cheat the IRS and get away with it" thread.Hopefully.
Office Depot FAR software for the week of 02/17/2013 (one each $10 and $15 AR)
Added on : Friday February 15th 2013 12:00:05 AM
Office Depot FAR software for the week of 02/17/2013 (one each $10 and $15 AR)
No FAR titles again this week. I hope this is just an aberration. The titles below reflect those titles that are 80% back or better after rebate. If you have an opinion on the standard feel free to let me know. ====================
McAfee Total Protection For 3 Users [830-788]
$9.99 After $10 Instant & $60 Mfr. Mail-In Savings
Trend Micro Titanium Maximum Security For 3 PCs [220-795] $89.99
$14.99 After $45 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process". Please see the thread: "Symantec Rebates - "Your rebate request did not pass our audit process" http://slickdeals.net/f/5817376====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
No FAR titles again this week. I hope this is just an aberration. The titles below reflect those titles that are 80% back or better after rebate. If you have an opinion on the standard feel free to let me know. ====================
McAfee Total Protection For 3 Users [830-788]
$9.99 After $10 Instant & $60 Mfr. Mail-In Savings
Trend Micro Titanium Maximum Security For 3 PCs [220-795] $89.99
$14.99 After $45 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
====================NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process". Please see the thread: "Symantec Rebates - "Your rebate request did not pass our audit process" http://slickdeals.net/f/5817376====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
FREE 3-in-1 AC/DC Charging Micro USB Combo Kit - $5 ship
Added on : Wednesday February 13th 2013 06:00:03 PM
Be prepared to charge your phone no matter where you are with this handy combo kit! The 3-in-1 kit includes a wall charger, USB charger, and car charger with micro USB connections, so you'll always be ready, whether you're on the road, at home, or at the office. Charge up your smartphone, tablets, GPS, mp3 players and other mobile devices that have a micro USB input.Talk and charge at the same time; the chargers provide power to your phone while simultaneously charging the battery, so you can continue important conversations even while you're charging.Small and lightweight, the items in this package are convenient for easy portability and storage. They even offer smart IC chip technology to avoid overcharging!
Link here.....http://www.yugster.com/
Link here.....http://www.yugster.com/
Hello, I'm hoping that you guys can give me some insight that will help me with my situation. Last year we had a pretty bad hail and couple of storms. My house is 19 yrs old so I have a pretty old roof. With the hail I had some hail damage but mostly wind damage. I got a couple of missing shingles. I had an adjuster come out to the house and the guy was a pretty old guy with a nasty attitude. He got on top of my roof and I did have the roofer present, he told the roofer right away he was denying the claim. He said "I hate when people try to take advantage and file claims to get a new roof" Ok so my thinking here is, doesn't matter if my roof is 100 years old, if I have wind damage and my insurance covers that then so be it. I am paying for a service and that's what I should get. Never the less the roofer ended up sliding off my roof which did not help my case. He is ok thank God, but the insurance company refuses to send another adjuster to my house. Their response was we will cover the missing shingles and that's not enough to cover the deductible so I got nothing. I checked with another roofer and he told me pretty much same thing last roofer said. The roof is too old to just fix missing shingles, the whole thing will tear if you try to repair the broken ones. So this guy tells me that we can take them to APPRAISALS which requires hiring an Engineer which I would have to pay, to force the insurance to pay for the damages. So far everyone I have asked knows nothing about this supposedly appraisal process, and I'm concern that this roofer is just trying to take advantage of me. What should I do? Is anyone familiar with this appraisal thing (Mind you, this appraisal is not to be confused with a house appraisal, this has something to do with insurance appraisal) Please help! I am a young woman who has never filed and insurance claim for nothing so I am clueless what is fair and what is not.
Hedge Fund Manager Ray Dalio, Standardizing Risk Over Asset Classes
Added on : Tuesday February 12th 2013 09:01:06 PM
It's been a while since I've been on here.Had a question for some of the very smart finance guys on here.
I've sort of had a lukewarm reception to Ray Dalio since he became one of the anointed financial guru's given the fact that he runs the largest hedge fund in the world Bridgewater($122 Billion AUM). It's hard not to respect the guy that manages that kind of money, but he always comes off as a bit too much like a simpleton relative to the other financial giants out there.That said I know his strength has always been correlation. Many people believe he is the worlds expert on the variability of correlation of asset classes over time(which is definitely the subject matter that will get endowments and pension funds to take notice because they need stability more than anything else).Basically, he claims his 'great' revelation in the 90's is that once you standardize all asset classes(stocks, bonds, commodities, etc.) by risk the return vs. risk profile converges on asset classes. Example: He thinks that the main reason why equities have returned more than bonds historically is because most companies are already leveraged 2 to 1 or more which causes their revenue streams to be leveraged as well creating amplified returns(this explanation seems to ignore operational leverage, the fact that equity is subordinated to creditors, and that earnings grow over time while fixed debt is contractually a stagnant stream...but whatever nice additional food for thought on Ray's part I guess). This standardization of risk(which he calls 'risk parity') is largely categorized by the relatively simple return = cash rate + beta + alpha method of theorizing returns. Makes sense.
Here's the problem I'm having because this all seems to make sense theoretically. And maybe I'm just missing something here, but how is it possible to actually standardize the risk of asset classes in a portfolio in practice. See his example is that if your long 50% equities and 50% bonds in a portfolio he would say that equities represent about 80% of your risk and bonds represent only 20% of your risk. Okay fair enough. The obvious theoretical solution if you wanted to bring the bonds up to some concept of risk parity with equities would be to lever the bonds and hedge the equity positions. But in practice it doesn't seem to me to work that way. For example if I want to lever up the bonds by double I could go out on margin I could do that, but the leverage will apply to the overall portfolio not to the specific asset class I want to have it. I.e. after your done I would argue you don't have 50% equities with no margin and 50% bonds levered up 2 to 1 meaning that you have 40% risk in bonds and 60% risk in equities(according to Dalio's theory) instead you still have a portfolio of 80% risk from equities 20% risk from bonds levered 3/2. Now instead you could say well I'm going to get bond beta some other way. I could buy already leveraged bond portfolios, but...
A) That subjects yourself to yield curve risk
B) You would be forced into buying leveraged high yield fixed income because otherwise if it was also an ultra safe bond asset(the kind that he would prefer in case of a deflationary environment like a treasury) the cost to carry the leverage would significantly eat into it's cash flow
C) By extension you would be taking on higher default risk which would be more correlated to equities during market downturns which is precisely the thing he wants avoid by having non correlation between his asset classesYou could also achieve higher bond beta by going longer duration and go zero coupon like a zero coupon 30 year treasury. That would seem to help a bit, but again...
A) You expose yourself to yield curve risk.You could go higher yield to get beta, but again:
A) You would be taking on higher default risk which would be more correlated to equities during market downturns which is precisely the thing he wants avoid by having non correlation between his asset classes.
So his central theory is that he has disproven the notion that diversification over asset classes automatically comes with reduced returns associated with portfolios that have lower risk/lower return asset classes because somehow he can magically convert one asset class into risk parity with another one. I just don't see how you can actually do that in practice. What am I missing?
I've sort of had a lukewarm reception to Ray Dalio since he became one of the anointed financial guru's given the fact that he runs the largest hedge fund in the world Bridgewater($122 Billion AUM). It's hard not to respect the guy that manages that kind of money, but he always comes off as a bit too much like a simpleton relative to the other financial giants out there.That said I know his strength has always been correlation. Many people believe he is the worlds expert on the variability of correlation of asset classes over time(which is definitely the subject matter that will get endowments and pension funds to take notice because they need stability more than anything else).Basically, he claims his 'great' revelation in the 90's is that once you standardize all asset classes(stocks, bonds, commodities, etc.) by risk the return vs. risk profile converges on asset classes. Example: He thinks that the main reason why equities have returned more than bonds historically is because most companies are already leveraged 2 to 1 or more which causes their revenue streams to be leveraged as well creating amplified returns(this explanation seems to ignore operational leverage, the fact that equity is subordinated to creditors, and that earnings grow over time while fixed debt is contractually a stagnant stream...but whatever nice additional food for thought on Ray's part I guess). This standardization of risk(which he calls 'risk parity') is largely categorized by the relatively simple return = cash rate + beta + alpha method of theorizing returns. Makes sense.
Here's the problem I'm having because this all seems to make sense theoretically. And maybe I'm just missing something here, but how is it possible to actually standardize the risk of asset classes in a portfolio in practice. See his example is that if your long 50% equities and 50% bonds in a portfolio he would say that equities represent about 80% of your risk and bonds represent only 20% of your risk. Okay fair enough. The obvious theoretical solution if you wanted to bring the bonds up to some concept of risk parity with equities would be to lever the bonds and hedge the equity positions. But in practice it doesn't seem to me to work that way. For example if I want to lever up the bonds by double I could go out on margin I could do that, but the leverage will apply to the overall portfolio not to the specific asset class I want to have it. I.e. after your done I would argue you don't have 50% equities with no margin and 50% bonds levered up 2 to 1 meaning that you have 40% risk in bonds and 60% risk in equities(according to Dalio's theory) instead you still have a portfolio of 80% risk from equities 20% risk from bonds levered 3/2. Now instead you could say well I'm going to get bond beta some other way. I could buy already leveraged bond portfolios, but...
A) That subjects yourself to yield curve risk
B) You would be forced into buying leveraged high yield fixed income because otherwise if it was also an ultra safe bond asset(the kind that he would prefer in case of a deflationary environment like a treasury) the cost to carry the leverage would significantly eat into it's cash flow
C) By extension you would be taking on higher default risk which would be more correlated to equities during market downturns which is precisely the thing he wants avoid by having non correlation between his asset classesYou could also achieve higher bond beta by going longer duration and go zero coupon like a zero coupon 30 year treasury. That would seem to help a bit, but again...
A) You expose yourself to yield curve risk.You could go higher yield to get beta, but again:
A) You would be taking on higher default risk which would be more correlated to equities during market downturns which is precisely the thing he wants avoid by having non correlation between his asset classes.
So his central theory is that he has disproven the notion that diversification over asset classes automatically comes with reduced returns associated with portfolios that have lower risk/lower return asset classes because somehow he can magically convert one asset class into risk parity with another one. I just don't see how you can actually do that in practice. What am I missing?
29 years old and married, excellent credit, bought house in 2009 for $220K at 4.5%/30yr. $161K left on mortgage. House value has probably lost 2-3% at most (was appraised at $223k), but is still in the ballpark.We don't make a bunch of money, but live cheap and easily make our mortgage payment. We have a solid nestegg in our collective savings and I suppose if we scraped together every cent in every non-retirement account, we could probably pay off the mortgage with absolutely nothing left -- obviously do not want to do that. Why all this money just sitting around?? Basically, just living cheap and having a general fear of investing.Quite honestly in the beginning, I was complacent in paying extra toward the mortgage and in a way, just ignorant. I hadn't really stared long enough at the amortization tables to see how much paying early, extra, helped matters. We HAVE been paying a tiny bit extra toward the principal here and there, but nothing drastic. With interest rates on personal banking accounts being in the crapper and the tax deduction dwindling to basically nothing, it is really making me ill to see how much interest we're paying, especially given my "fear of investing" as previously stated. I'm actually obsessing over doing something more intelligent with the savings and this seems like the sure bet.The catch, is that I'm not sure how much longer we will stay in the home. Maybe 1 year... maybe 3 years, but I'd say no more than 5 at maximum.Even if we moved 8 months from now, correct me if I'm wrong, but doesn't it still make sense to pay toward the mortgage as much we can given that we have emergency savings? It is still an OWED amount we are paying interest on. I keep hearing "don't worry about it until you get into your next home" -- but I can't wrap my head around that. I guess the only question is whether we throw a re-fi consideration into the mix. I presume if we stay more than 1 year, the 15 year re-fi makes sense -- I'm not fully aware of the fees involved though.
Office Depot FAR software for the week of 02/10/2013 (only a Norton title for $10 AR)
Added on : Friday February 08th 2013 12:00:03 AM
Office Depot FAR software for the week of 02/10/2013 (only a Norton title for $10 AR)
NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================
Norton Antivirus [873394] $44.99
$9.99 After $5 Instant, $20 Mail-In Savings & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
NOTE: There is breaking news on the subject of Symantec/Norton rebates. Apparently, high volume submitters are having their rebates invalidated on account of the dreaded "Your rebate request did not pass our audit process".====================
Norton Antivirus [873394] $44.99
$9.99 After $5 Instant, $20 Mail-In Savings & $15 Mfr. Current User Upgrade Mail-In Savings Visa Prepaid Cards
====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
You've probably heard that the USPS is planning on dropping Saturday delivery later this year. I think a FW discussion of the USPS's financial (not to mention political) position and potential solutions would be interesting. Here are a couple good articles to kick things off:Felix Salmon
Felix Salmon said: The fight between the Post Office and Congress is a very peculiar one. Normally, when the government owns some incredibly profligate business, its Congress which tries to impose efficiency gains and fiscal discipline, while the business insists that all of its spending is absolutely necessary and that it has already cut to the bone. In this case, however, the roles are reversed: the Post Office wants to change, and its Congress which is stopping it from doing so.
Esquire
Esquire said: No matter where it's headed in the U.S., first-class mail is all priced the same: forty-five cents. Germany has a modern and efficient post office that covers a territory about the size of Georgia and Florida, but it will cost you 60 percent more to send a letter. Mail a wedding invitation from Tokyo to its suburbs and it will cost you more than twice as much as sending the same item from Seattle to Boston. Yet the 2006 law prevents the postal service from raising prices for first-class or standard mail by more than the Consumer Price Index, regardless of fuel prices, regardless of what the mail actually costs to deliver.
Felix Salmon said: The fight between the Post Office and Congress is a very peculiar one. Normally, when the government owns some incredibly profligate business, its Congress which tries to impose efficiency gains and fiscal discipline, while the business insists that all of its spending is absolutely necessary and that it has already cut to the bone. In this case, however, the roles are reversed: the Post Office wants to change, and its Congress which is stopping it from doing so.
Esquire
Esquire said: No matter where it's headed in the U.S., first-class mail is all priced the same: forty-five cents. Germany has a modern and efficient post office that covers a territory about the size of Georgia and Florida, but it will cost you 60 percent more to send a letter. Mail a wedding invitation from Tokyo to its suburbs and it will cost you more than twice as much as sending the same item from Seattle to Boston. Yet the 2006 law prevents the postal service from raising prices for first-class or standard mail by more than the Consumer Price Index, regardless of fuel prices, regardless of what the mail actually costs to deliver.
Citibank cancels out my card for alleged non usage, then sends not 1 but 2 offers for 10 points for 1 dollar spent on the cards.They could have saved printing paper and the cost of postage fees. I ripped both up since I could have returned them to sender but it wouldn't even matter.
I invested some money at Charter One Bank in SE MI. I don't know the name of the product but basically the principal amount is insured so no matter how the market goes at the end of the 7 year term I would atleast get my principal money back. The financial guy also told me that based on past performance people have been getting around 7% in interest on these investments. This was in May 2011. So far the product has made no money. I get statements and the current value of the investment is always less than my principal amount. I spoke to the finance guy(different guy) at the bank and he told me that he was never a fan of this product and there is nothing he can do about it. Also, there is a penalty involved if I withdraw the money before my 7 year term. Now, I know just like any investments I can't do much if they don't make money but currently the market is doing well and my other investments have been making some money if not a lot. Do I have any options ? Do you think writing higher up to someone in the bank would help ? Any help would be appreciated. If I left any info out please ask and I'll provide. TIA
Google Offers- $20 for $40 of canine sports apparel & accessories
Added on : Monday February 04th 2013 09:00:03 AM
LinkySharing this more because I find this comical, but I'm not a pet owner, and I'm sure there are pet owners who will find this interesting. Get your pooch ready for game day
Jerseys, sweaters, collars, toys & more for your dog
NFL, MLB, NBA, NHL & collegiate teams
Officially licensed apparel for your dog
FYI: cant use toward shippingThe Deal
No matter whos playing, youve always got a buddy to watch the game with you. Thatd be your loyal canine. Let your pup look like a true fan with game day gear from DoggieNation.com
, who carries officially licensed, made-for-mutts apparel and accessories from your favorite teams. Get Fido ready for spring training with an MLB jersey, or have him represent your alma mater with a collegiate sweater. You can also get your paws on collars, leashes, beds, and toys adorned with team names and logos, so your pet can sport team colors at home and at the park. Your dog will look like a die-hard sports fan, but dont worry, his loyalty will always lie with you.
Terms
Limit 1 offer per person; 2 additional as gifts. Limit 1 offer per order at doggienation.com. Valid online only. Offer value cannot be applied toward shipping. Shipping rates and delivery times vary. Tax not included in Florida.
Jerseys, sweaters, collars, toys & more for your dog
NFL, MLB, NBA, NHL & collegiate teams
Officially licensed apparel for your dog
FYI: cant use toward shippingThe Deal
No matter whos playing, youve always got a buddy to watch the game with you. Thatd be your loyal canine. Let your pup look like a true fan with game day gear from DoggieNation.com
, who carries officially licensed, made-for-mutts apparel and accessories from your favorite teams. Get Fido ready for spring training with an MLB jersey, or have him represent your alma mater with a collegiate sweater. You can also get your paws on collars, leashes, beds, and toys adorned with team names and logos, so your pet can sport team colors at home and at the park. Your dog will look like a die-hard sports fan, but dont worry, his loyalty will always lie with you.
Terms
Limit 1 offer per person; 2 additional as gifts. Limit 1 offer per order at doggienation.com. Valid online only. Offer value cannot be applied toward shipping. Shipping rates and delivery times vary. Tax not included in Florida.
I was sure this would already be a topic so I did a search on here and I apologize if this is a duplicate. Assuming you do your own taxes using software, how does everyone determine which tax software to use? Is it based on price? Features? Does it even matter? I've used TaxAct in the past and wanted opinions on if its worth looking into other products or continuing on with what always has been.Thanks!
Help confirm a bug in H&R Block At Home Deluxe 2012 when importing from turbo tax
Added on : Saturday February 02nd 2013 10:00:53 PM
Apologies if this is not directly a finance topic, but I thought it would be of interest and also that this would be the best forum to find someone to help me with this.I believe I have found a serious bug in H&R Block Deluxe 2012 when importing my 2011 return from Turbo Tax (.tax2011 file). This bug can lead to an incorrect computation of tax liability related to state income tax refunds reported on 1099-G.According to the About box, I am running H&R Block 2012 Deluxe + Efile + State, Federal Version 6801, WGDA-897015-00000001. The software is fully updated as of 2/2/13. This is on Windows Vista.If you are running this software and have a .tax2011 file that you can import, then perhaps you can help me to verify this bug? The issue requires that you itemized deductions on your 2011 return and have a value for 5a on Schedule A indicating that you paid state and local income taxes in 2011. Lets call this amount $STATESteps to recreate:
Open H&R Block 2012 software
Select Start a Return
Import your relevant .tax2011 file
Select Reports -> Review Your Entries from the menu bar
Scroll down to Last Year's Data Worksheet
Look for an entry for "State or Local Income Tax Deducted" with an amount that matches $STATE
If this entry is there and the amount matches, then I'm an idiot and there must not be a bug. But, if the entry is missing altogether then continue with these steps
Select Forms -> Open Forms... from the menu bar
From the list, select Last Year's Data Worksheet from the Form 1040 section, should be about the 5th item down the list
Scroll to line 84 in the worksheet. You should see that "Income taxes deducted" is selected.
Line 86 should match $STATE, but for me it is empty and I believe this is a bug.
So if this really is a bug when importing from a 2011 Turbo Tax return, then what are the consequences? According to Last Year's Data Worksheet, lines 84-89 are for determining if your state income tax refund is taxable. This is how I found this to begin with. I was entering my 1099-G data for my 2011 state tax return. Here is what happened (this part is likely very dependent on your specific situation and imported values):
Entered amount from 1099-G, call this $REFUND
Selected no special cases
Confirmed filing status, no special exemptions, and itemized deduction amount from 2011
Selected Yes for 2011 Sales Tax Deduction
Confirmed 2011 AGI and deductions
$0 for 2011 nontaxable items
$0 for sales tax for major purchases
Set for state. NC for me, but I doubt it matters.
0% local sales tax rate
The software reports that $0 of $REFUND is taxable. AFAIK this is completely incorrect. In fact, if I backtrack to #4 and instead select No for 2011 Sales Tax Deduction, then the program reports that $REFUND of $REFUND (i.e. the entire amount) is taxable, as it should be. I'll skip the rest of the details of digging through the forms in the software, but I believe this bug is leading to a determination of no tax liability due to exception #5 on page 22-23 in the 1040 instructions (http://www.irs.gov/pub/irs-pdf/i1040.pdf).Anyway I would really like to confirm this bug. In my particular situation I am 99% positive that this refund amount should be fully taxed -- it always has been in the past -- and I believe the software is wrong here. If I'm doing something stupid with the import that is causing this, then I'd love to know what it is. If this is a bug, then I'd also like to report it to H&R Block, but I've found no obvious and/or straightforward mechanism for reporting this type of technical information.Thanks for your help.
Open H&R Block 2012 software
Select Start a Return
Import your relevant .tax2011 file
Select Reports -> Review Your Entries from the menu bar
Scroll down to Last Year's Data Worksheet
Look for an entry for "State or Local Income Tax Deducted" with an amount that matches $STATE
If this entry is there and the amount matches, then I'm an idiot and there must not be a bug. But, if the entry is missing altogether then continue with these steps
Select Forms -> Open Forms... from the menu bar
From the list, select Last Year's Data Worksheet from the Form 1040 section, should be about the 5th item down the list
Scroll to line 84 in the worksheet. You should see that "Income taxes deducted" is selected.
Line 86 should match $STATE, but for me it is empty and I believe this is a bug.
So if this really is a bug when importing from a 2011 Turbo Tax return, then what are the consequences? According to Last Year's Data Worksheet, lines 84-89 are for determining if your state income tax refund is taxable. This is how I found this to begin with. I was entering my 1099-G data for my 2011 state tax return. Here is what happened (this part is likely very dependent on your specific situation and imported values):
Entered amount from 1099-G, call this $REFUND
Selected no special cases
Confirmed filing status, no special exemptions, and itemized deduction amount from 2011
Selected Yes for 2011 Sales Tax Deduction
Confirmed 2011 AGI and deductions
$0 for 2011 nontaxable items
$0 for sales tax for major purchases
Set for state. NC for me, but I doubt it matters.
0% local sales tax rate
The software reports that $0 of $REFUND is taxable. AFAIK this is completely incorrect. In fact, if I backtrack to #4 and instead select No for 2011 Sales Tax Deduction, then the program reports that $REFUND of $REFUND (i.e. the entire amount) is taxable, as it should be. I'll skip the rest of the details of digging through the forms in the software, but I believe this bug is leading to a determination of no tax liability due to exception #5 on page 22-23 in the 1040 instructions (http://www.irs.gov/pub/irs-pdf/i1040.pdf).Anyway I would really like to confirm this bug. In my particular situation I am 99% positive that this refund amount should be fully taxed -- it always has been in the past -- and I believe the software is wrong here. If I'm doing something stupid with the import that is causing this, then I'd love to know what it is. If this is a bug, then I'd also like to report it to H&R Block, but I've found no obvious and/or straightforward mechanism for reporting this type of technical information.Thanks for your help.
original thread here:http://www.fullofdeals.com/forums/finance/1222889/Today we received notice, "Congratulations, no change in tax is due, and we consider this matter resolved."So they did accept our excel spreadsheet of donated items (which included condition, brand name, and estimated value) in lieu of an actual itemized receipt from a charity.I hope this is helpful to someone, and thank you for all the guidance we received.
Looking for help in understanding certain aspects of the new US healthcare / health insurance law -- 2014 implications
Added on : Saturday February 02nd 2013 01:00:52 AM
I have been reading through various articles and websites, including the official government website "Healthcare.gov", because I am pretty confused about the new healthcare law and what it is actually going to change about health insurance in the US starting in January 2014. I'm wondering if anyone on FWF can help me understand certain details of it and possible scenarios for the future.I am particularly interested in how the new law is going to change "individual" health insurance policies (those not offered by an employer), but I'm also interested in learning how it will affect employer-provided coverage.[Of course, I don't mean this to get into politics, ethics, or anything of that nature. I have my opinions, others will have theirs, but this post is about the actual law and how it looks like it is going to work in practice.]The extra consumer protections and benefits brought in by the law sound nice, and there is the happy implication that the new protections and benefits will simply apply to everyone and every insurance plan, but in the details, it says that most of these protections and benefits will only apply to plans that were founded after March 2010. It is my present understanding - although perhaps I am wrong? - that plans founded before March 2010, even if you do not join them until January 2014 or later, apparently are "grandfathered" and don't have to obey most of this healthcare law.I should imagine that most employers that have over 50 employees and that have been in existence for a few years will have company health insurance plans that were founded before March 2010. That would surely be the case for most major employers in America - no? Will most employer health plans thus be exempt from the new law? Even if you get a new job in 2014 or later years, will your employer's health insurance plan not have to provide you the protections and benefits of this new law?Have most individual health insurance plans that are on the market today been going from before March 2010? Surely many or even most of them were in place then? If they were started before March 2010, these individual plans will be considered "grandfathered" and will never have to abide by the new law, is this right?What most concerns me is: What if most of the (few) insurance companies that offer individual health plans simply had decided in March 2010 that they will not start any (or not start many) new plans after that date, in order to force new customers (especially those joining a plan after the full law comes into effect for new plans on January 2014) to join a grandfathered plan (because the customers would have no other, or few, alternative plans to choose from).What if most of the benefits and protections of the new healthcare law that the government is promising do not come true for many people, because there will not be any (or many) new-plan insurance choices available for individual consumers / company employees?The govt is claiming that an "insurance marketplace" containing many new insurance plan options will be fully in place by October 2013, but as of January 2013, it's mainly a concept and not a reality, and a number of states have said they won't be ready for it -- or even that they will *refuse* to create one for their citizens.What are insurance companies doing to prepare for this new marketplace? Are they making new insurance plans to offer customers for 2014, or are they mostly sitting on their hands and planning to trot out their older plans (in existence since before March 2010) that will be not be much affected by the new law?What if this 2014 "marketplace" is nearly devoid of newly-created (after March 2010) plans that one can join (especially on the individual level)? Does that mean that most of the people looking for insurance in 2014 and later years won't get any of the benefits and protections that the new law is meant to give them? Is it possible that the insurance market post-2013 is going to be as messed-up, expensive, unfair, and unhealthy as it was prior to this new healthcare law's having been passed? (At least for a number of years, until new plans simply have to be created by the insurance companies, and older plans have to be retired for one reason or the other?)If I've missed some key information somewhere, or am not viewing this logically, please let me know.===
Sorry that this post is already quite long, but here are some selected quotations from Healthcare.gov. My questions are in brackets and capital letters:
from: http://www.healthcare.gov/marketplace/about/index.htmlWhen key parts of the health care law take effect in 2014, therell be a new way to get health insurance: the Health Insurance Marketplace. The Marketplace is designed to help you find health insurance that fits your budget, with less hassle. Every health insurance plan in the new Marketplace will offer comprehensive coverage, from doctors to medications to hospital visits. You can compare all your insurance options based on price, benefits, quality, and other features that may be important to you, in plain language that makes sense.
[BUT HOW ABOUT INDIVIDUAL HEALTH INSURANCE PLANS THAT WERE STARTED BEFORE MARCH 2010, AND AS SUCH ARE CONSIDERED GRANDFATHERED PLANS, WHICH DON'T HAVE TO ABIDE BY THE NEW HEALTHCARE LAW - WILL THOSE PLANS ALSO BE OFFERED IN THE "NEW MARKETPLACE"? IF NOT, HOW WILL THEY BE SOLD? WILL THEY STILL BE SOLD? IS THERE ANY CHANCE THAT IN PARTICULAR STATES THERE WILL NOT BE ANY INDIVIDUAL HEALTH INSURANCE PLANS AVAILABLE TO JOIN IN 2014 *EXCEPT FOR* GRANDFATHERED PLANS THAT WERE CREATED BEFORE MARCH 2010 AND THUS EXEMPT FROM THE NEW LAW?]Under the health care law, there will also be new protections for you and your family. Health insurance companies can't refuse to cover you or charge you more just because you have a chronic or pre-existing condition, and they cant charge more for women than for men.
[THIS SOUNDS SO REASSURING, BUT ACTUALLY, THIS IS *NOT* GOING TO APPLY TO EVERY INSURANCE PLAN IN 2014 AND LATER YEARS - IS THAT RIGHT?]
from: http://www.healthcare.gov/using-insurance/understanding/services...No matter what kind of coverage you have, its important to know whats covered and whats not. Starting in 2014, certain essential health benefits will be covered under all policies.
[THEY SAY "ALL" ABOVE, BUT JUST BELOW, THEY SAY IT'S ONLY "NEW" PLANS THAT COVER ESSENTIAL HEALTH BENEFITS.]Starting in 2014, new individual plans and plans purchased in an Affordable Insurance Exchange will have to cover essential benefits like hospitalizations, doctor services, prescription drugs, rehabilitation and mental health services, pregnancy, and newborn care. Also, there will be limits on how much you have to pay out-of-pocket each year for covered services....[N]ew individual insurance policies (and job-based plans) are not allowed to exclude coverage for pre-existing conditions or disabilities
[BUT WHAT ABOUT OLDER INDIVIDUAL INSURANCE POLICIES THAT ARE STILL IN EFFECT AND STILL BEING SOLD IN 2014? IF YOU JOIN THEM IN 2014 OR LATER YEARS, CAN THEY EXCLUDE PRE-EXISTING CONDITIONS LIKE THEY ALWAYS DID?]Note: In 2014, for job-based plans, waiting periods for coverage of pre-existing conditions will be limited to 90 days.
[SO IF YOU JOIN A COMPANY IN 2014 OR LATER YEARS AND JOIN THEIR HEALTH INSURANCE PLAN, IF YOU HAVE ANY PRE-EXISTING CONDITION AS DECIDED BY THE INSURANCE COMPANY, YOU WILL STILL HAVE TO WAIT 3 MONTHS BEFORE ANY TREATMENTS FOR IT? EVEN IF THE COMPANY'S INSURANCE PLAN IS NEW AND NOT GRANDFATHERED?]
from: http://www.healthcare.gov/using-insurance/understanding/costs/in...Starting in 2014, new individual insurance policies (and job-based plans) wont be allowed to charge you more based on your health status, pregnancy, or disability. Also, insurers wont be allowed to charge you more based on your gender, and there will be limits on how much premiums can vary based on age.
[BUT THIS DOESN'T APPLY TO ANY INDIVIDUAL POLICIES OR JOB-BASED PLANS THAT WERE IN EXISTENCE BEFORE MARCH 2010? AND WON'T MOST INSURANCE POLICIES BE AT LEAST THAT OLD?]For job-based health plans, its up to employers to decide how much of the premium to pay on behalf of you and your family. Your employer will tell you how much of the premium for health coverage you must pay.
[SO IN 2014 AND THE YEARS AFTERWARDS, AN EMPLOYER CAN STILL CHARGE CERTAIN EMPLOYEES MUCH MORE FOR HEALTH INSURANCE, BASED ON GENDER, HEALTH STATUS, DISABILITY, PREGNANCY, OR AGE?]
from: http://www.healthcare.gov/law/features/rights/grandfathered-plan...The Affordable Care Act exempts most plans that existed on March 23, 2010 the day the law was enacted from some of the laws consumer protections.If you have health coverage from a plan that existed on March 23, 2010 and that has covered at least one person continuously from that day forward your plan may be considered a grandfathered plan.This is true whether you are covered by an individual health insurance policy that you had on that date, or you are covered by a job-based health plan that your employer established before March 23, 2010. This is true even if you enrolled in that job-based plan sometime later.
[IS IT TRUE EVEN IF YOU FIRST ENROLL IN A GRANDFATHERED JOB-BASED PLAN IN 2014 OR LATER YEARS?]
[AND WHAT ABOUT AN INDIVIDUAL HEALTH INSURANCE POLICY THAT EXISTED BEFORE MARCH 23, 2010, BUT YOU DID NOT JOIN IT UNTIL 2014? ARE YOU THEN NOT COVERED UNDER THE NEW HEALTHCARE LAW?]A grandfathered health plan isnt required to comply with some of the consumer protections of the Affordable Care Act that apply to other health plans that are not grandfathered. Heres a look at which consumer protections do and dont apply to grandfathered plans:
Consumer Protections in the Health Care Law that DO Apply to Grandfathered PlansMany of the laws consumer protections that took effect on September 23, 2010 apply to all plans, whether they are grandfathered or not. Please note that these consumer protections will be added to your plan when it begins a new plan year or policy year on or after September 23, 2010.ALL health plans:
-are prohibited from applying lifetime dollar limits to key health benefits.
-are not permitted to cancel your insurance coverage solely because of an honest mistake that you or your employer made on your insurance application.
Consumer Protections in the Health Care Law that DO NOT Apply to Grandfathered PlansUnlike other health plans, job-based plans and grandfathered plans are not required to:
-provide certain recommended preventive services at no additional charge to you.
-offer new protections when you are appealing claims and coverage denials.
-protect your choice of health care providers and your access to emergency care.
Consumer Protections in the Health Care Law that also DO NOT Apply to Grandfathered INDIVIDUAL PlansGrandfathered individual health insurance policies not the kind you get through work in addition to the exclusions above are not required to adopt the provisions of the law that:
-phase out annual dollar limits on key benefits.
-eliminate pre-existing condition exclusions for children under 19 years old.
[BUT WHAT ABOUT PRE-EXISTING CONDITION EXCLUSIONS FOR PEOPLE WHO ARE OLDER THAN 19? ARE GRANDFATHERED POLICIES ALLOWED TO EXCLUDE THEM?]To find out if your health plan is grandfathered:
Check your plans materials. Beginning with the first plan or policy year starting on or after September 23, 2010, health plans must disclose their grandfathered status in any plan materials describing the plans benefits that are distributed to beneficiaries or primary subscribers. These materials must also contain contact information for questions and complaints.Check with your employer or your health plans benefits administrator. If you are in a group health plan, the date you joined may not reflect the date the plan was created. New employees and new family members may be added to a grandfathered group plan after March 23, 2010.
[SO IF IN 2014 OR ANY YEAR AFTER THAT, YOU ARE HIRED BY A COMPANY WHOSE HEALTH INSURANCE PLAN WAS STARTED BEFORE MARCH 2010, AND YOU JOIN YOUR EMPLOYER'S HEALTH INSURANCE PLAN, IT MEANS THAT YOUR HEALTH INSURANCE IS NOT COVERED BY THE NEW HEALTHCARE LAW?]
http://www.healthcare.gov/law/features/rights/doctor-choice/inde...The Affordable Care Act helps preserve your choice of doctors by guaranteeing that you can choose the primary care doctor or pediatrician you want from your health plans provider network. It guarantees that you can see an OB-GYN doctor without needing a referral from another doctor. The law also ensures that you can seek emergency care at a hospital outside your plans network without prior approval from your health plan.These rules apply to all group health plans and individual health insurance policies created or issued after March 23, 2010.[BUT] These rules do not apply to grandfathered health plans.
http://www.healthcare.gov/law/features/rights/preventive-care/in...Under the Affordable Care Act, you and your family may be eligible for some important preventive services which can help you avoid illness and improve your health at no additional cost to you.This preventive services provision applies only to people enrolled in job-related health plans or individual health insurance policies created after March 23, 2010.[BUT] Grandfathered plans: If your plan is grandfathered, these benefits may not be available to you. http://www.healthcare.gov/law/features/costs/limits/index.htmlBefore the health care law, many health plans set an annual limit a dollar limit on their yearly spending for your covered benefits. Many plans also set a lifetime limit a dollar limit on what they would spend for your covered benefits during the entire time you were enrolled in that plan. You were required to pay the cost of all care exceeding those limits.Under the law, lifetime limits on most benefits are prohibited in any health plan or insurance policy issued or renewed on or after September 23, 2010.The law restricts and phases out the annual dollar limits that all job-related plans, and individual health insurance plans issued after March 23, 2010, can put on most covered health benefits.[BUT] If you have a grandfathered individual health insurance policy, your health plan is not required to follow the new rules on annual limits. (A grandfathered individual health insurance policy is a plan that you bought for yourself or your family; that you did not receive through your employer; and that was issued on or before March 23, 2010.) If youre not sure whether your plan is grandfathered, ask your insurance company.
[ARE YOU CONSIDERED TO BE IN A GRANDFATHERED PLAN IF IT IS AN INDIVIDUAL HEALTH INSURANCE POLICY THAT EXISTED BEFORE MARCH 2010 EVEN THOUGH YOU DID NOT JOIN IT UNTIL 2014?]
Sorry that this post is already quite long, but here are some selected quotations from Healthcare.gov. My questions are in brackets and capital letters:
from: http://www.healthcare.gov/marketplace/about/index.htmlWhen key parts of the health care law take effect in 2014, therell be a new way to get health insurance: the Health Insurance Marketplace. The Marketplace is designed to help you find health insurance that fits your budget, with less hassle. Every health insurance plan in the new Marketplace will offer comprehensive coverage, from doctors to medications to hospital visits. You can compare all your insurance options based on price, benefits, quality, and other features that may be important to you, in plain language that makes sense.
[BUT HOW ABOUT INDIVIDUAL HEALTH INSURANCE PLANS THAT WERE STARTED BEFORE MARCH 2010, AND AS SUCH ARE CONSIDERED GRANDFATHERED PLANS, WHICH DON'T HAVE TO ABIDE BY THE NEW HEALTHCARE LAW - WILL THOSE PLANS ALSO BE OFFERED IN THE "NEW MARKETPLACE"? IF NOT, HOW WILL THEY BE SOLD? WILL THEY STILL BE SOLD? IS THERE ANY CHANCE THAT IN PARTICULAR STATES THERE WILL NOT BE ANY INDIVIDUAL HEALTH INSURANCE PLANS AVAILABLE TO JOIN IN 2014 *EXCEPT FOR* GRANDFATHERED PLANS THAT WERE CREATED BEFORE MARCH 2010 AND THUS EXEMPT FROM THE NEW LAW?]Under the health care law, there will also be new protections for you and your family. Health insurance companies can't refuse to cover you or charge you more just because you have a chronic or pre-existing condition, and they cant charge more for women than for men.
[THIS SOUNDS SO REASSURING, BUT ACTUALLY, THIS IS *NOT* GOING TO APPLY TO EVERY INSURANCE PLAN IN 2014 AND LATER YEARS - IS THAT RIGHT?]
from: http://www.healthcare.gov/using-insurance/understanding/services...No matter what kind of coverage you have, its important to know whats covered and whats not. Starting in 2014, certain essential health benefits will be covered under all policies.
[THEY SAY "ALL" ABOVE, BUT JUST BELOW, THEY SAY IT'S ONLY "NEW" PLANS THAT COVER ESSENTIAL HEALTH BENEFITS.]Starting in 2014, new individual plans and plans purchased in an Affordable Insurance Exchange will have to cover essential benefits like hospitalizations, doctor services, prescription drugs, rehabilitation and mental health services, pregnancy, and newborn care. Also, there will be limits on how much you have to pay out-of-pocket each year for covered services....[N]ew individual insurance policies (and job-based plans) are not allowed to exclude coverage for pre-existing conditions or disabilities
[BUT WHAT ABOUT OLDER INDIVIDUAL INSURANCE POLICIES THAT ARE STILL IN EFFECT AND STILL BEING SOLD IN 2014? IF YOU JOIN THEM IN 2014 OR LATER YEARS, CAN THEY EXCLUDE PRE-EXISTING CONDITIONS LIKE THEY ALWAYS DID?]Note: In 2014, for job-based plans, waiting periods for coverage of pre-existing conditions will be limited to 90 days.
[SO IF YOU JOIN A COMPANY IN 2014 OR LATER YEARS AND JOIN THEIR HEALTH INSURANCE PLAN, IF YOU HAVE ANY PRE-EXISTING CONDITION AS DECIDED BY THE INSURANCE COMPANY, YOU WILL STILL HAVE TO WAIT 3 MONTHS BEFORE ANY TREATMENTS FOR IT? EVEN IF THE COMPANY'S INSURANCE PLAN IS NEW AND NOT GRANDFATHERED?]
from: http://www.healthcare.gov/using-insurance/understanding/costs/in...Starting in 2014, new individual insurance policies (and job-based plans) wont be allowed to charge you more based on your health status, pregnancy, or disability. Also, insurers wont be allowed to charge you more based on your gender, and there will be limits on how much premiums can vary based on age.
[BUT THIS DOESN'T APPLY TO ANY INDIVIDUAL POLICIES OR JOB-BASED PLANS THAT WERE IN EXISTENCE BEFORE MARCH 2010? AND WON'T MOST INSURANCE POLICIES BE AT LEAST THAT OLD?]For job-based health plans, its up to employers to decide how much of the premium to pay on behalf of you and your family. Your employer will tell you how much of the premium for health coverage you must pay.
[SO IN 2014 AND THE YEARS AFTERWARDS, AN EMPLOYER CAN STILL CHARGE CERTAIN EMPLOYEES MUCH MORE FOR HEALTH INSURANCE, BASED ON GENDER, HEALTH STATUS, DISABILITY, PREGNANCY, OR AGE?]
from: http://www.healthcare.gov/law/features/rights/grandfathered-plan...The Affordable Care Act exempts most plans that existed on March 23, 2010 the day the law was enacted from some of the laws consumer protections.If you have health coverage from a plan that existed on March 23, 2010 and that has covered at least one person continuously from that day forward your plan may be considered a grandfathered plan.This is true whether you are covered by an individual health insurance policy that you had on that date, or you are covered by a job-based health plan that your employer established before March 23, 2010. This is true even if you enrolled in that job-based plan sometime later.
[IS IT TRUE EVEN IF YOU FIRST ENROLL IN A GRANDFATHERED JOB-BASED PLAN IN 2014 OR LATER YEARS?]
[AND WHAT ABOUT AN INDIVIDUAL HEALTH INSURANCE POLICY THAT EXISTED BEFORE MARCH 23, 2010, BUT YOU DID NOT JOIN IT UNTIL 2014? ARE YOU THEN NOT COVERED UNDER THE NEW HEALTHCARE LAW?]A grandfathered health plan isnt required to comply with some of the consumer protections of the Affordable Care Act that apply to other health plans that are not grandfathered. Heres a look at which consumer protections do and dont apply to grandfathered plans:
Consumer Protections in the Health Care Law that DO Apply to Grandfathered PlansMany of the laws consumer protections that took effect on September 23, 2010 apply to all plans, whether they are grandfathered or not. Please note that these consumer protections will be added to your plan when it begins a new plan year or policy year on or after September 23, 2010.ALL health plans:
-are prohibited from applying lifetime dollar limits to key health benefits.
-are not permitted to cancel your insurance coverage solely because of an honest mistake that you or your employer made on your insurance application.
Consumer Protections in the Health Care Law that DO NOT Apply to Grandfathered PlansUnlike other health plans, job-based plans and grandfathered plans are not required to:
-provide certain recommended preventive services at no additional charge to you.
-offer new protections when you are appealing claims and coverage denials.
-protect your choice of health care providers and your access to emergency care.
Consumer Protections in the Health Care Law that also DO NOT Apply to Grandfathered INDIVIDUAL PlansGrandfathered individual health insurance policies not the kind you get through work in addition to the exclusions above are not required to adopt the provisions of the law that:
-phase out annual dollar limits on key benefits.
-eliminate pre-existing condition exclusions for children under 19 years old.
[BUT WHAT ABOUT PRE-EXISTING CONDITION EXCLUSIONS FOR PEOPLE WHO ARE OLDER THAN 19? ARE GRANDFATHERED POLICIES ALLOWED TO EXCLUDE THEM?]To find out if your health plan is grandfathered:
Check your plans materials. Beginning with the first plan or policy year starting on or after September 23, 2010, health plans must disclose their grandfathered status in any plan materials describing the plans benefits that are distributed to beneficiaries or primary subscribers. These materials must also contain contact information for questions and complaints.Check with your employer or your health plans benefits administrator. If you are in a group health plan, the date you joined may not reflect the date the plan was created. New employees and new family members may be added to a grandfathered group plan after March 23, 2010.
[SO IF IN 2014 OR ANY YEAR AFTER THAT, YOU ARE HIRED BY A COMPANY WHOSE HEALTH INSURANCE PLAN WAS STARTED BEFORE MARCH 2010, AND YOU JOIN YOUR EMPLOYER'S HEALTH INSURANCE PLAN, IT MEANS THAT YOUR HEALTH INSURANCE IS NOT COVERED BY THE NEW HEALTHCARE LAW?]
http://www.healthcare.gov/law/features/rights/doctor-choice/inde...The Affordable Care Act helps preserve your choice of doctors by guaranteeing that you can choose the primary care doctor or pediatrician you want from your health plans provider network. It guarantees that you can see an OB-GYN doctor without needing a referral from another doctor. The law also ensures that you can seek emergency care at a hospital outside your plans network without prior approval from your health plan.These rules apply to all group health plans and individual health insurance policies created or issued after March 23, 2010.[BUT] These rules do not apply to grandfathered health plans.
http://www.healthcare.gov/law/features/rights/preventive-care/in...Under the Affordable Care Act, you and your family may be eligible for some important preventive services which can help you avoid illness and improve your health at no additional cost to you.This preventive services provision applies only to people enrolled in job-related health plans or individual health insurance policies created after March 23, 2010.[BUT] Grandfathered plans: If your plan is grandfathered, these benefits may not be available to you. http://www.healthcare.gov/law/features/costs/limits/index.htmlBefore the health care law, many health plans set an annual limit a dollar limit on their yearly spending for your covered benefits. Many plans also set a lifetime limit a dollar limit on what they would spend for your covered benefits during the entire time you were enrolled in that plan. You were required to pay the cost of all care exceeding those limits.Under the law, lifetime limits on most benefits are prohibited in any health plan or insurance policy issued or renewed on or after September 23, 2010.The law restricts and phases out the annual dollar limits that all job-related plans, and individual health insurance plans issued after March 23, 2010, can put on most covered health benefits.[BUT] If you have a grandfathered individual health insurance policy, your health plan is not required to follow the new rules on annual limits. (A grandfathered individual health insurance policy is a plan that you bought for yourself or your family; that you did not receive through your employer; and that was issued on or before March 23, 2010.) If youre not sure whether your plan is grandfathered, ask your insurance company.
[ARE YOU CONSIDERED TO BE IN A GRANDFATHERED PLAN IF IT IS AN INDIVIDUAL HEALTH INSURANCE POLICY THAT EXISTED BEFORE MARCH 2010 EVEN THOUGH YOU DID NOT JOIN IT UNTIL 2014?]
Looking for software to file taxes on our investment into a new business partnership
Added on : Thursday January 31st 2013 01:01:08 PM
Myself and a business partner have/are starting an online business.
The entity officially began existing mid 2012.
At this point we have invested into it to get it started, but are not live yet.
I was hoping that by using TurboTax Home and Business, I could handle both, especially since a partnership has profits or loss pass to the owners.Well, it looks like I could do this, IF it was a Sole proprietor.
Since its a partnership, looks like the business will have to file its own tax return (which is nothing but a "loss"). And then it will have to generate K-1s for us to apply towards our taxes personally.I didn't initially realize that TurboTax Home and Business could not generate K-1s or really handle the 1065 for that matter.Can anyone recommend some simple software that I can use to run our business taxes through, generate our 1065 and generate the owners K-1s without breaking the bank?Looks like TaxAct business will do it for 40 bucks, + state, but it only works for windows and not mac. (only a mac at home)
The entity officially began existing mid 2012.
At this point we have invested into it to get it started, but are not live yet.
I was hoping that by using TurboTax Home and Business, I could handle both, especially since a partnership has profits or loss pass to the owners.Well, it looks like I could do this, IF it was a Sole proprietor.
Since its a partnership, looks like the business will have to file its own tax return (which is nothing but a "loss"). And then it will have to generate K-1s for us to apply towards our taxes personally.I didn't initially realize that TurboTax Home and Business could not generate K-1s or really handle the 1065 for that matter.Can anyone recommend some simple software that I can use to run our business taxes through, generate our 1065 and generate the owners K-1s without breaking the bank?Looks like TaxAct business will do it for 40 bucks, + state, but it only works for windows and not mac. (only a mac at home)
Cyberlink PhotoDirector 3 - FREE until 2/1/13 @ 11:59pm PT - Like Adobe Light Room - Value ~$60
Added on : Thursday January 31st 2013 12:00:05 AM
Text (Click the green button near the top.)From the giveaway page:Exclusive free giveaway of Cyberlink PhotoDirector 3
Spend less time editing and more time taking photos with Cyberlink PhotoDirector 3.
Some of us use our camera phones to take photos and edit them on the fly. Some others prefer to use a real camera and edit them professionally, using a photography software on their computers. Whoever you are, there is a solution out there for you, but this special giveaway I'm running today is specifically for PC users -- a free copy of Cyberlink PhotoDirector 3. What does it do? Well, good question - as the software title states, it puts you in the director chair and helps you manage your photos, edit, enhance and so much more.
Rated 4.5 stars by CNET, Cyberlink PhotoDirector 3 is an easy-to-use photography software for beginners and intermediate users alike. From the moment you import your photos - whether that be via your camera phone or an SD card, you can easily transform your photos into professional-looking photos in just a few clicks. Do you have facial blemishes you want to cover up? This software can do that for you and make those imperfections disappear - just like how they do it for celebrities in magazines.
Best of all, it's free for a limited time only. The product is normally priced at $149.95, but for 48 hours only, I'm bringing you an exclusive giveaway of Cyberlink PhotoDirector 3, so make sure you grab a free copy for yourself and see how this software can help you easily manage and edit your photos. Just a few housekeeping notes here -- this product only works on a PC and as always, you need to submit your email address in order to receive the instructions and the license key. Once you receive this confirmation email, you will need to download the file and enter in the license key you received in that same email. It will then unlock the full features of Cyberlink PhotoDirector 3 for you. Grab a copy for yourself, share it with your friends, and feel free to send me all the amazing photos you've created with this software. I'd love to see the before and after pictures if you don't mind sharing them with me.
This offer is exclusively available on CNET for 48 hours only or whenever we run out. Offer ends at 11:59pm PT on Friday, February 1, 2013.
Edit: It seems that you can use a bogus email. The product key is displayed after checkout no matter what "email" and name you fill in...
Spend less time editing and more time taking photos with Cyberlink PhotoDirector 3.
Some of us use our camera phones to take photos and edit them on the fly. Some others prefer to use a real camera and edit them professionally, using a photography software on their computers. Whoever you are, there is a solution out there for you, but this special giveaway I'm running today is specifically for PC users -- a free copy of Cyberlink PhotoDirector 3. What does it do? Well, good question - as the software title states, it puts you in the director chair and helps you manage your photos, edit, enhance and so much more.
Rated 4.5 stars by CNET, Cyberlink PhotoDirector 3 is an easy-to-use photography software for beginners and intermediate users alike. From the moment you import your photos - whether that be via your camera phone or an SD card, you can easily transform your photos into professional-looking photos in just a few clicks. Do you have facial blemishes you want to cover up? This software can do that for you and make those imperfections disappear - just like how they do it for celebrities in magazines.
Best of all, it's free for a limited time only. The product is normally priced at $149.95, but for 48 hours only, I'm bringing you an exclusive giveaway of Cyberlink PhotoDirector 3, so make sure you grab a free copy for yourself and see how this software can help you easily manage and edit your photos. Just a few housekeeping notes here -- this product only works on a PC and as always, you need to submit your email address in order to receive the instructions and the license key. Once you receive this confirmation email, you will need to download the file and enter in the license key you received in that same email. It will then unlock the full features of Cyberlink PhotoDirector 3 for you. Grab a copy for yourself, share it with your friends, and feel free to send me all the amazing photos you've created with this software. I'd love to see the before and after pictures if you don't mind sharing them with me.
This offer is exclusively available on CNET for 48 hours only or whenever we run out. Offer ends at 11:59pm PT on Friday, February 1, 2013.
Edit: It seems that you can use a bogus email. The product key is displayed after checkout no matter what "email" and name you fill in...
FREE $25 VISA Gift Card for Test Driving a 2014 Kia Sorento (Available to the First 10,000!)
Added on : Wednesday January 30th 2013 05:00:04 PM
http://www.thekiaoffer.com/BigGame/TERMS AND CONDITIONS: Test-drive offer is valid from January 30, 2013, to March 31, 2013. To be eligible, test-driver must be 18 years of age or older with a valid drivers license. This offer is non-negotiable and non-transferable. One (1) $25 Kia Visa Prepaid Card per person. Test-drive and dealer validation required. Only the completed certificate with an original dealer signature and unique Personal Priority Code will be honored. Your envelope with the original, completed certificate inside must be postmarked by April 15, 2013. All matters of program eligibility and qualification will be conclusively resolved by Kia Motors America, Inc., in its sole discretion. Offer valid only in the continental United States; void in outlying areas. Void where prohibited. Offer is limited to the first 10,000 completed certificates received or while supplies last. Kia is not responsible for mistakes or typographical errors. Kia is not responsible for lost or misdelivered mail. Kias liability is limited to the value of the Visa prepaid card. The Visa prepaid cards to be issued by by MetaBank pursuant to a license from Visa U.S.A. Inc. For comments or questions, please call 1-877-883-4913.
I know a lot of people, including me, have started posts about changing jobs in the past. I am in the position again, but this time, I thought that maybe we could discuss things that are important when considering a job change, especially when a huge motivation is overall compensation. Many folks tend to focus on base salary, perhaps bonuses, and some of the big benefits, like medical insurance... but there are many of other factors and just because you get an increased base salary does not mean you are coming out ahead. In addition, there are considerations related to career path/growth and how well you fit with the organization and its mission, but those are not part of this conversation.1) Base salary - This is obviously the big one... we leave whatever else we could be doing in order to earn money to support ourselves, our loved ones, and hopefully enjoy life. However, there are other reasons to focus on increasing your base salary. For instance, other benefits and bonuses are often a percentage or multiple of your base salary. Unless I just really need a job (out of work or truly and dissatisfied) I will not move for anything less than a double-digit percentage increase, and most likely above 15%. My personal ability to do this is likely diminishing as I am getting up there for my market.2) Medical/dental/vision - This is important for most people I have to think, except the healthy and young that don't see the point in buying. There are several factors, like whether all or some of the benefits are available (vision may not be important as the others as it covers the least and some folks have good vision, and potentially even dental as it is similar but usually provides a better value proposition than vision since everyone has teeth... unless you don't). Also, there is the cost of the premium you pay, the deductible, co-pays, network, flexibility, etc. When employers provide benefits summaries, they don't tend to outline most of this information... usually just premium and maybe the deductible. With the advent of high deductible plans and health savings accounts, some employers contribute to the HSA, as well.2) Retirement savings - this is Crucial for folks that earn more than the limit for contributing to IRAs and folks that want to contribute more than an IRA allows. Also, employers (perhaps a decreasing amount) offer some sort matching program that may or may not have a vesting schedule. In my opinion, since I work in IT and the tenure at each employer seems to be a few years, a lower or non-existent vesting schedule is preferable. This is also one of those benefits that is a derivative of the base salary... the higher your base salary the higher the employer match. Also, when you exceed the social security cap each year, some employers offer the 6.5% employer side as a contribution.3) Life/disability - Again, this is another one that is a derivative of your base salary... normally a multiple. I remember a conversation with my mother-in-law who said that at some point you have to feel like you have made enough... I could have screamed for so many reasons, but life insurance was a huge one. I figure that my mother-in-law would understand that as her father died when she was young and my risk aversion comes from me experiencing the same thing. Many employers either state that they offer life insurance and they may state how much they provide, but I have not witnessed any providing information on cost and ceiling on supplemental life insurance. The same holds true with AD&D. (no, definitely nothing to do with role-playing games). I am married with multiple children... it matters greatly to me. I am maxed out with my current employer which allows me to have 5x my base salary in life insurance and 10x my base salary in AD&D... so, if I were to die in an accident, my family would have 15x my base salary. Some folks are okay to buy this coverage on their own, but I prefer buying through my employer as they don't tend to require medical examinations and it has been less expensive, at least for me.4) PTO and holidays - The value of this benefit varies greatly from each employer. Some let you carry over, others don't; some pay out, some don't; some have separate vacation and sick days, some don't; some offer flexible working arrangements that mean you can make up time; some situations leave you not using your PTO. I tend to build up my accrue my PTO close to the maximum before I use any, and even then I don't tend to draw it down much. I like to use it as an extra cushion in case something happens to my job or as a bonus when I leave. Employers can actually be fairly flexible with PTO when you are negotiating salary. In four of my six past salary negotiations, I have increase my PTO beyond the standard, usually by five days.5) Tuition - This one has always been important to me. I worked full-time throughout my undergrad work and my employers throughout paid for 50% of my tuition. Also, my current employer paid for 2/3 of my masters degree. Now, it isn't as important to me as I don't really plan on going to school for a while unless it is a trade class (like welding, which I can do inexpensively at the local community college and wouldn't likely meet company policy for reimbursement) or something for fun (which I could take for free as audit credit at my alma mater). Another consideration is tuition pay back if you leave. None of my previous employers sought these funds, as I left two before getting past that point... but now that my current employer is rather large, I think they would actually pursue it.6) Work schedule/location - Flex schedule? Telework? Shorter commute? I personally like being able to go into the office, but I prefer being able to work from home a day or two a week. I tend to have a roundtrip of 30 miles as my shortest possibility (currently it is 60 miles, and it looks to be extending to 70). The fewer days I have to commute, the less time I spend commuting, the less fuel I consume, the less wear and tear on my vehicles, and the less risk of an accident or getting a traffic ticket. Also, I like to adjust my daily schedule frequently. For instance, I used to go in later so I could see my kids off to school in the morning; now that the wife is done with school (well, the first part), I go in early so I can come home early.So, my current situation is offering an almost 14% increase in my base salary... but comparing many of the benefits, it isn't as great as it might appear (some may not even think that the 14% is even worth it). The retirement match is a lower percentage, but when I considered all of the stipulations between the two, it actually came out to be the same nominal value, so at least it is about a wash there. PTO was negotiated to improve the disparity. Some other benefits are no longer useful to me.Anyhow, what are some other considerations that you all have found important? Some offer stipends for mobile phones, gym memberships, food in the break room or subsidized cafeteria, discounts for various items (whether at other companies or an employee discount).
kohls.com Champion Fleece Hoodie sale $17.99 original $35.00
Added on : Sunday January 27th 2013 01:00:12 AM
Text
http://www.kohls.comChampion Fleece Hoodiesale $17.99 original $35.00
This men's Champion fleece hoodie is a great option no matter the activity. Champion logo applique adds signature appeal. Shop our selection of Champion apparel at Kohls.com.
Ribbed trim provides a bit of natural stretch and shape retention.
Fleece construction gives you unbeatable comfort and warmth.
Details: 1-pocket
Long sleeves
Cotton/polyester
Machine wash
Importedbonus buys
Kohl's Coupons
http://www.kohls.comChampion Fleece Hoodiesale $17.99 original $35.00
This men's Champion fleece hoodie is a great option no matter the activity. Champion logo applique adds signature appeal. Shop our selection of Champion apparel at Kohls.com.
Ribbed trim provides a bit of natural stretch and shape retention.
Fleece construction gives you unbeatable comfort and warmth.
Details: 1-pocket
Long sleeves
Cotton/polyester
Machine wash
Importedbonus buys
Kohl's Coupons
Hey folks, asking for an advice as I'm not an expert in these matters. Here is the situation: I owe 100K on a 200K house at 5% interest. House was bought in 2009 and is now worth probably slightly less, if that matters.
Have saved up 160K (mainly by living like a peasant) and I'm considering paying it off. Should I:- Pay it off
- Refinance and pay some off
- Refinance and invest the rest (but invest into what?)What benefits, other interest deduction, would I lose if I pay it off?
I'm 31.Appreciate the advice. Thanks,
Have saved up 160K (mainly by living like a peasant) and I'm considering paying it off. Should I:- Pay it off
- Refinance and pay some off
- Refinance and invest the rest (but invest into what?)What benefits, other interest deduction, would I lose if I pay it off?
I'm 31.Appreciate the advice. Thanks,
Any particular thoughts on maximizing rewards on Amazon Chase-branded CC?
Added on : Friday January 25th 2013 10:01:00 PM
I gave in over Christmas shopping time, as each time I'd add something to my cart at Amazon, they'd increase the cash-back bonus. Though small in the big scheme of things, they gave me $50 for applying for their card during the purchase process of $150 worth of gifts. I realize the rewards aren't stunning (3% Amazon, 2% gas/grocery, 1% other), but I do shop at Amazon frequently, and almost always make it my first stop for any purchase (they delivered a car radiator today, of all things)Is there anyone out there that is working this card to maximize rewards....or should I just be grateful to have another sock drawer card, except for Amazon purchases. If it matters, it's a Visa Signature, which seems to have more add-on benefits than many of my other cards. Thanks in advance for the feedback...
Social Media is fast becoming a popular tool, both for leisure and work related tasks. However be warned that blurring the line between 'leisure' and 'work' can be detrimental to your case.
Case - Tenants who moved into a rental property just before Christmas, which as we know is summer at it's hottest, did so on the proviso the broken air conditioner at the property was repaired within an agreed time. Now we also know trying to get a repairman to fix anything over the Christmas holiday period is impossible as the landlord discovered. Weeks dragged on and still the air conditioner sat idle. Much complaining on the tenants part resulted in not only an irate landlord but also an application to the Tribunal as the tenants were claiming a part refund of rent for every week they spent without the air conditioner.
Both tenant and landlord appeared before the Magistrate who looked over the paperwork from both parties. He concluded that the landlord had a strong case as she had supplied proof of her efforts to have the matter resolved within a timely manner however in this case the Magistrate ruled in favour of the tenant.
Why ? Because the tenants had supplied a copy of the Landlords Facebook page which displayed not only derogatory comments about the tenants but also an admission she had deliberately told the repairman there was no urgency to repair the appliance as 'they can wait for it now'.
Oops the landlord was Ordered to pay a refund of rent and to have the appliance repaired.
Case Closed.
Case - Tenants who moved into a rental property just before Christmas, which as we know is summer at it's hottest, did so on the proviso the broken air conditioner at the property was repaired within an agreed time. Now we also know trying to get a repairman to fix anything over the Christmas holiday period is impossible as the landlord discovered. Weeks dragged on and still the air conditioner sat idle. Much complaining on the tenants part resulted in not only an irate landlord but also an application to the Tribunal as the tenants were claiming a part refund of rent for every week they spent without the air conditioner.
Both tenant and landlord appeared before the Magistrate who looked over the paperwork from both parties. He concluded that the landlord had a strong case as she had supplied proof of her efforts to have the matter resolved within a timely manner however in this case the Magistrate ruled in favour of the tenant.
Why ? Because the tenants had supplied a copy of the Landlords Facebook page which displayed not only derogatory comments about the tenants but also an admission she had deliberately told the repairman there was no urgency to repair the appliance as 'they can wait for it now'.
Oops the landlord was Ordered to pay a refund of rent and to have the appliance repaired.
Case Closed.
rockyourhair.com/ Go Big or Go Home! $84.70 sale $39.00
Added on : Friday January 25th 2013 10:00:02 PM
Go Big or Go Home!Big Hair Rocks Shampoo 10.5 oz 1
Big Hair Rocks Conditioner 10.5 oz 1
Size Matters 13 oz 1
Bombshell .9 oz 1
Spray It Hard 10 oz 1
Silver Rock Box Display Case with Leopard Insert 1
Spray It hard 2 oz 1
Big Hair Rocks Shampoo 2 oz 1
Big Hair Rocks Conditioner 2 oz 1$84.70 / sale $39.00 Text
http://www.rockyourhair.com/
Big Hair Rocks Conditioner 10.5 oz 1
Size Matters 13 oz 1
Bombshell .9 oz 1
Spray It Hard 10 oz 1
Silver Rock Box Display Case with Leopard Insert 1
Spray It hard 2 oz 1
Big Hair Rocks Shampoo 2 oz 1
Big Hair Rocks Conditioner 2 oz 1$84.70 / sale $39.00 Text
http://www.rockyourhair.com/
Verbatim Store 'n' Go SuperSpeed USB 3.0 Portable Hard Drive - 1TB 69.90 @Staples
Added on : Friday January 25th 2013 01:00:06 PM
Storage for your computer made simple.Experience transfer speeds up to 10x faster with the new SuperSpeed USB 3.0! This Verbatim compact external portable hard drive features a sleek piano-black finish and comes with the fastest USB connectivity available. SuperSpeed USB 3.0 lets you blaze through demanding tasks by reading and saving files faster. This external hard drive features Nero BackItUp & Burn Essentials software that allows full system backup and restore functions, the ability to schedule automatic backup by date/time and an encrypted backup option with password control. Save your precious photos, videos, graphics, games, music, data and more in ultimate safety with Verbatim.
Compact, portable drive features a sleek piano black finish
SuperSpeed USB 3.0 increases transfer speed up to 10x faster than USB 2.0
100% compatible with USB 2.0 ports
Includes Verbatim's Green Button energy-saving software
Features Verbatim's Formatter software, allowing users to easily format the drive to either FAT32 or NTFS (or FAT32 to HFS+ for Mac version), based on their own requirements
Dimensions: 1.9"D x 5.5"W x 7.1"H
Industry-leading 7-year limited warrantysku 917613 DRIVE LINK
Staples Coupons
Compact, portable drive features a sleek piano black finish
SuperSpeed USB 3.0 increases transfer speed up to 10x faster than USB 2.0
100% compatible with USB 2.0 ports
Includes Verbatim's Green Button energy-saving software
Features Verbatim's Formatter software, allowing users to easily format the drive to either FAT32 or NTFS (or FAT32 to HFS+ for Mac version), based on their own requirements
Dimensions: 1.9"D x 5.5"W x 7.1"H
Industry-leading 7-year limited warrantysku 917613 DRIVE LINK
Staples Coupons
Office Depot FAR software for the week of 01/27/2013 (only a McAfee title for $5 AR)
Added on : Friday January 25th 2013 12:00:03 AM
Office Depot FAR software for the week of 01/27/2013 (only a McAfee title for $5 AR)
McAfee Total Protection 2013 - 1 User #830-743
$4.99 After $8 Instant & $47 Mfr. Mail-In Savings
In Store Price $51.99
====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
McAfee Total Protection 2013 - 1 User #830-743
$4.99 After $8 Instant & $47 Mfr. Mail-In Savings
In Store Price $51.99
====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
I have some personal loans and paid interest to my lenders during 2012. Am I required to issue a 1099-Int to my lenders? I read the instructions for 1099-INT and it suggested I was exempt, although I welcome additional opinions. http://www.irs.gov/pub/irs-pdf/i1099int.pdfIRS said: Report only interest payments made in the course of your trade or business...
Exceptions to reporting. No Form 1099-INT is required to be filed for payments made to exempt recipients or for interest excluded from reporting.
Interest excluded from reporting. You are not required to file Form 1099-INT for interest on an obligation issued by an individual, ...
In case this matters, I plan on deducting this on my taxes as investment interest expense. I do not have a business, these are personal investments in stocks and the like. Thank you.
Exceptions to reporting. No Form 1099-INT is required to be filed for payments made to exempt recipients or for interest excluded from reporting.
Interest excluded from reporting. You are not required to file Form 1099-INT for interest on an obligation issued by an individual, ...
In case this matters, I plan on deducting this on my taxes as investment interest expense. I do not have a business, these are personal investments in stocks and the like. Thank you.
50 Keys To Better Photography! (On Target Photo Training) [Kindle Edition] - normally $8.97
Added on : Thursday January 24th 2013 12:00:38 PM
50 Keys To Better Photography! (On Target Photo Training)
Dan Eitreim (Author) 42 Reviews - and ★★★★.5
16 LikesPublication Date: September 22, 2012
This one is huge! Over 160 pages of easy to read, easy to understand, and easy to DO tips that will make you a better photographer!If you are tired of being the runner-up in all the local photography contests and want to start hearing "Ooohs" and "Aaahs" when people look at your photos, this one is for YOU!To give you an idea of what is included, here is the table of contents...Introduction:
The Basics Of Photography:
Key 1: Photography Simplified
Key 2: Aperture And Shutter Speed
Key 3: Master Your Camera - Fast!
Key 4: The Photographer's Secret Weapon
Key 5: Creativity Can Be Learned
Key 6: A New Vantage Point
Key 7: Put the "Wow" Factor In Your Photos!
Key 8: Tell A Story
Key 9: Exposure - How Your Meter Works!
Key 10: How To Shoot In Black And White Eliminate Camera Shake:
Key 11: Your Shooting Stance
Key 12: Tripod Tips
Key 13: Use A Tripod Like A Monopod
Key 14: How To Use A Monopod
Key 15: Hands Off The Button!
Key 16: Mirror, Mirror
Using On Camera Flash
Key 17: The Ten Foot Rule
Key 18: Intensify The Colors In Your Photos
Key 19: Eliminate "Red Eye!"
Outdoors/Landscape Photography
Key 20: Create Better Landscape Photos
Key 21: Shooting In Bad Weather
Key 22: Two Horizon Photo Tips
Key 23: More On Level Horizons
Key 24: Stunning City Skyline Photography
Key 25: Shoot Better sunset Photos
Key 26: How To Get Intense Sunset Photo Colors
Key 27: Filters To The Rescue
Key 28: The Indispensable Rubber Band
Key 29: Recovering The Ground
Key 30: Amazing Waterfalls
Key 31: Making Clouds "POP!"
Key 32: To Buy Or Not To Buy Colored Filters
Key 33: Storing Your Filters
Key 34: Using Kodak Yellow!
Key 35: Fireworks And Lightning - Part 1
Key 36: Fireworks And Lightning - Part 2
Key 37: Flowers And Spider Webs - Part 1
Key 38: Flowers And Spider Webs - Part 2
Key 39: Turn Around
Pet Portraits
Key 40: Pet Portraits - Great For Camera Mastery
Key 41: Better Pet Portraits In 3 Easy Steps
Key 42: In Pet Portraits The Ears Matter!
Key 43: Problem Animals
Portrait Photography
Key 44: Tips For Improving Your Portraits
Key 45: 2 Easy Portrait Photography Tips
Key 46: The "Photographic Ground Modification System!"
Key 47: Visually Lose Weight!
Key 48: The Ultimate Portrait Photography Tip!
Key 49: Size Matters
Key 50: Basics Of Lighting Portrait Photography
Additional Training
Dan Eitreim (Author) 42 Reviews - and ★★★★.5
16 LikesPublication Date: September 22, 2012
This one is huge! Over 160 pages of easy to read, easy to understand, and easy to DO tips that will make you a better photographer!If you are tired of being the runner-up in all the local photography contests and want to start hearing "Ooohs" and "Aaahs" when people look at your photos, this one is for YOU!To give you an idea of what is included, here is the table of contents...Introduction:
The Basics Of Photography:
Key 1: Photography Simplified
Key 2: Aperture And Shutter Speed
Key 3: Master Your Camera - Fast!
Key 4: The Photographer's Secret Weapon
Key 5: Creativity Can Be Learned
Key 6: A New Vantage Point
Key 7: Put the "Wow" Factor In Your Photos!
Key 8: Tell A Story
Key 9: Exposure - How Your Meter Works!
Key 10: How To Shoot In Black And White Eliminate Camera Shake:
Key 11: Your Shooting Stance
Key 12: Tripod Tips
Key 13: Use A Tripod Like A Monopod
Key 14: How To Use A Monopod
Key 15: Hands Off The Button!
Key 16: Mirror, Mirror
Using On Camera Flash
Key 17: The Ten Foot Rule
Key 18: Intensify The Colors In Your Photos
Key 19: Eliminate "Red Eye!"
Outdoors/Landscape Photography
Key 20: Create Better Landscape Photos
Key 21: Shooting In Bad Weather
Key 22: Two Horizon Photo Tips
Key 23: More On Level Horizons
Key 24: Stunning City Skyline Photography
Key 25: Shoot Better sunset Photos
Key 26: How To Get Intense Sunset Photo Colors
Key 27: Filters To The Rescue
Key 28: The Indispensable Rubber Band
Key 29: Recovering The Ground
Key 30: Amazing Waterfalls
Key 31: Making Clouds "POP!"
Key 32: To Buy Or Not To Buy Colored Filters
Key 33: Storing Your Filters
Key 34: Using Kodak Yellow!
Key 35: Fireworks And Lightning - Part 1
Key 36: Fireworks And Lightning - Part 2
Key 37: Flowers And Spider Webs - Part 1
Key 38: Flowers And Spider Webs - Part 2
Key 39: Turn Around
Pet Portraits
Key 40: Pet Portraits - Great For Camera Mastery
Key 41: Better Pet Portraits In 3 Easy Steps
Key 42: In Pet Portraits The Ears Matter!
Key 43: Problem Animals
Portrait Photography
Key 44: Tips For Improving Your Portraits
Key 45: 2 Easy Portrait Photography Tips
Key 46: The "Photographic Ground Modification System!"
Key 47: Visually Lose Weight!
Key 48: The Ultimate Portrait Photography Tip!
Key 49: Size Matters
Key 50: Basics Of Lighting Portrait Photography
Additional Training
XBox Live Arcade - "N+" - Free add-in for full-version game
Added on : Tuesday January 22nd 2013 08:00:41 PM
If you own the XBox Live Arcade game "N+" (full version), you can download "N+ Level Pack #3" for free.Not sure if a price mistake, but Level Packs 1 and 2 are sold for 200 points apiece.Xbox offers a trial version of N+, but the trial version doesn't appear to acknowledge the Level Packs.1. From Xbox Live, launch the N+ game.
2. From the game menu, go to Download Content.
3. Select the "N+ Level Pack #3" and confirm.From the download content:
"This pack contains a smattering of classic N levels, revisited and restyled for N+.
You get 150 Single-Player, 50 Multiplayer Co-op and 50 Multiplayer Race.
We tried to tone down the difficulty, but they've still got plenty of bite!"
2. From the game menu, go to Download Content.
3. Select the "N+ Level Pack #3" and confirm.From the download content:
"This pack contains a smattering of classic N levels, revisited and restyled for N+.
You get 150 Single-Player, 50 Multiplayer Co-op and 50 Multiplayer Race.
We tried to tone down the difficulty, but they've still got plenty of bite!"
Medical "Double" Billing - paid cash, provider still billed insurance company
Added on : Tuesday January 22nd 2013 07:00:57 PM
The (long?) short:I schedule a visit with a PT in December 2012, provide insurance info. Shortly after called by admin staff at office, told insurance company says I have deductible to satisfy, so first visit will be $150 (the cash rate). Pricey but I can't wait, so I don't cancel. I go to visit, pay $150 before I even see the therapist. Get treated, assume eveything is fine. Fast-forward to one week ago, receive second bill for another ~$30 or so.Turns out they ran the visit by insurance, who (obviously) denied the claim because of the deductible. Which the PT's office told me about. . So I am now paying the (higher) insurance rate for the visit. I call up their billing department to dispute, they refuse to budge and give me some nonsense about $150 being their "standard co-pay" and "it costs money to bill insurance" and what not. The lady acknowledges insurance should have never even been billed, but obviously that is off the record and her superiors won't budge. I am clearly stuck paying for their screw-up (in my eyes at least).I am supposed to hear back tomorrow, I have a letter written up for the owner of the practice with my complaint I will fire off certified if I get another "no." Any other recourse besides telling them in no simple words I will be taking my business elsewhere? It is not a life-changing sum, so I will probably pay it off if my letter goes without reply, but at this point it is more a matter of principle than the $30.TIA.
*** DEAD *** Don't Let an Old Person Move Into Your Body [Kindle Edition] - normally $3.99
Added on : Monday January 21st 2013 04:00:40 AM
Don't Let an Old Person Move Into Your Body
Jim Donovan (Author) If you didn't know when you were born, how old would you be?Are you ageless full of energy and ready to go no matter what your birth certificate says? Or does the prospect of middle age leave you deeply concerned about what lies ahead?Don't Let an Old Person Move Into Your Body shows you how to make the rest of your life, the best of your life whether youre in your 40s, 50s, 60s, 70s or beyond.In this powerful book youll learn how to live every day with passion, purpose, power, and prosperity no matter when you were born.Getting old is a myth, says international best-selling author and baby boomer, Jim Donovan, who proves it with inspiring stories of people who are living meaningful, productive lives well beyond what most consider old.In Don't Let an Old Person Move Into Your Body youll also learn: Why aging is a state of mind.
How to avoid the trap of being old.
How to identify and attract the dream life you've always wanted.
How to prevent other people's negativity from destroying your dreams.
How to eliminate energy zappers in your life.
Why most of what we are told about illness and aging is wrong.
How to avoid becoming a victim of age related illnesses.
Practical steps you can take to achieve optimal health, at any age.
How to create financial abundance and lasting security.
Simple things you can do each day to help yourself feel better spiritually, mentally, emotionally, and physically.
FREE only for a limited time.
Jim Donovan (Author) If you didn't know when you were born, how old would you be?Are you ageless full of energy and ready to go no matter what your birth certificate says? Or does the prospect of middle age leave you deeply concerned about what lies ahead?Don't Let an Old Person Move Into Your Body shows you how to make the rest of your life, the best of your life whether youre in your 40s, 50s, 60s, 70s or beyond.In this powerful book youll learn how to live every day with passion, purpose, power, and prosperity no matter when you were born.Getting old is a myth, says international best-selling author and baby boomer, Jim Donovan, who proves it with inspiring stories of people who are living meaningful, productive lives well beyond what most consider old.In Don't Let an Old Person Move Into Your Body youll also learn: Why aging is a state of mind.
How to avoid the trap of being old.
How to identify and attract the dream life you've always wanted.
How to prevent other people's negativity from destroying your dreams.
How to eliminate energy zappers in your life.
Why most of what we are told about illness and aging is wrong.
How to avoid becoming a victim of age related illnesses.
Practical steps you can take to achieve optimal health, at any age.
How to create financial abundance and lasting security.
Simple things you can do each day to help yourself feel better spiritually, mentally, emotionally, and physically.
FREE only for a limited time.
Don't Let an Old Person Move Into Your Body [Kindle Edition] - normally $3.99 - limited time FREE
Added on : Saturday January 19th 2013 12:00:39 PM
Don't Let an Old Person Move Into Your Body
Jim Donovan (Author) If you didn't know when you were born, how old would you be?Are you ageless full of energy and ready to go no matter what your birth certificate says? Or does the prospect of middle age leave you deeply concerned about what lies ahead?Don't Let an Old Person Move Into Your Body shows you how to make the rest of your life, the best of your life whether youre in your 40s, 50s, 60s, 70s or beyond.In this powerful book youll learn how to live every day with passion, purpose, power, and prosperity no matter when you were born.Getting old is a myth, says international best-selling author and baby boomer, Jim Donovan, who proves it with inspiring stories of people who are living meaningful, productive lives well beyond what most consider old.In Don't Let an Old Person Move Into Your Body youll also learn: Why aging is a state of mind.
How to avoid the trap of being old.
How to identify and attract the dream life you've always wanted.
How to prevent other people's negativity from destroying your dreams.
How to eliminate energy zappers in your life.
Why most of what we are told about illness and aging is wrong.
How to avoid becoming a victim of age related illnesses.
Practical steps you can take to achieve optimal health, at any age.
How to create financial abundance and lasting security.
Simple things you can do each day to help yourself feel better spiritually, mentally, emotionally, and physically.
FREE only for a limited time.
Jim Donovan (Author) If you didn't know when you were born, how old would you be?Are you ageless full of energy and ready to go no matter what your birth certificate says? Or does the prospect of middle age leave you deeply concerned about what lies ahead?Don't Let an Old Person Move Into Your Body shows you how to make the rest of your life, the best of your life whether youre in your 40s, 50s, 60s, 70s or beyond.In this powerful book youll learn how to live every day with passion, purpose, power, and prosperity no matter when you were born.Getting old is a myth, says international best-selling author and baby boomer, Jim Donovan, who proves it with inspiring stories of people who are living meaningful, productive lives well beyond what most consider old.In Don't Let an Old Person Move Into Your Body youll also learn: Why aging is a state of mind.
How to avoid the trap of being old.
How to identify and attract the dream life you've always wanted.
How to prevent other people's negativity from destroying your dreams.
How to eliminate energy zappers in your life.
Why most of what we are told about illness and aging is wrong.
How to avoid becoming a victim of age related illnesses.
Practical steps you can take to achieve optimal health, at any age.
How to create financial abundance and lasting security.
Simple things you can do each day to help yourself feel better spiritually, mentally, emotionally, and physically.
FREE only for a limited time.
iPads, Kindles, and Laptops for $1 from Bargain Room expires 01/20/13
Added on : Friday January 18th 2013 10:00:02 PM
I'm trying to post this again because I don't think I did it right the first time! Here goes again! I'm attaching the email I got from them and it's at www.bargainroom.com. So what's real nice about this site is that it's kind of fun. I haven't scored one of them yet but I have friends and family that have. It doesn't matter if you have a slow computer or slower internet speeds. They have this raffle type system but it's not gambling! (Hate gambling). Because it's free to participate and you only pay the $1 for the iPads. and Kindles and Laptops if you actually win! And so I got this email just this evening so it seems like a special their having just this weeknd. So friends, thought I'd share with y'all. Good luck to me and to you dearies!
Last week I bought a Panasonic TC-P50ST50 from PaulsTV. For four days it was the best TV viewing experience of my life, until my 5 year old soon took a ps3 controller to the screen and ruined it. I tried to go without a TV for awhile, but sitting home starring at the carpet gets old pretty quick. I couldnt afford another ST50 so I went with the most bang for my buck kinda deal. If it matters, i got my deal in store, but dont see why you couldnt online. For those who prefer the smooth motion like myself, (Soap Opera Effect) this is a great deal. If you want the absolute best color for the least amount of money then the Panasonic TC-P50U50 would be my next pick for $599. The TCL55E50 by itself looks good, but compared against the ST50 or U50 its washed out and the blacks are more of a "grey" PaulsTV - TCL55E50Specs for the TCL55E50:Screen Size Diagonal (inches) 54.6
Aspect Ratio 16:9
Number of Pixels 2,073,600 (1,920 x 1,080)
Panel IPS LED LCD
HDTV Display Capability (1080p, 1080i, 720p) yes
Aspect Control 480i/p: FULL, JUST, 4:3, ZOOM / 1080i/p: FULL, H-FILL, JUST, 4:3, ZOOM
PICTURE
Viewing Angle 178 degrees
Filter Clear Panel
Panel Drive yes
24p Playback (3:2)/24p Smooth Film yes/ yes
Intelligent Scene Controller yes
Smart VIERA Engine Pro
Vivid Color Creation yes
AUDIO
3D Real Sound yes
Number of Speakers 2
Audio Output 20 W
Surround Sound AV Surround
JACKS
Integrated ATSC Tuner yes
HDMI Input null / 4 (4 side)
Support Feature Audio Return Channel (Input 2)
SD Card yes (SDXC)
USB2.0 2
Analog Audio Input (for HDMI/DVI) yes
Composite Video Input shared with Component RCA x 1 (lower) *
Audio Input (for Composite Video) RCA x 1 (lower) *
PC Input D-sub 15-pin x 1 (lower)
Component Video Input (Y, PB, PR) shared with Composite RCA x 1 (lower) *
Audio Input (for Component Video) RCA x 1 (lower) *
Ethernet 1 (lower)
Digital Audio Output 1 (lower)
FEATURES
VIERA Connect (IPTV) yes
Skype while watching TV yes
Social Networking TV (Faceboook/Twitter) yes
VIERA Remote App Support yes
Wireless LAN Adaptor WiFi Ready
DLNA yes
Media Player null / yes (SD Card/USB)
Support Format AVCHD Progressive/SD-VIDEO/MotionJPEG (Lumix)/MKV/MP4/MOV/M4v/FLV/3GPP/VRO/VOB/TS/PS, MP3/AAC/FLAC, JPEG
VIERA Link yes
VIERA Tools yes
Eco Mode yes
Game Mode yes
Trilingual Menu (English/Spanish/French) yes
Built-In Closed Caption Decoder yes
Off - Timers yes
E-Help yes
GENERAL
Power Supply 1 AC 110 - 127 V, 60 Hz
On Mode Average Power Consumption 74.8 W
Receiving System ATSC/QAM/NTSC
Dimensions with stand
Height [inches (mm)] 32.0" (811 mm)
Width [inches (mm)] 50.5" (1281 mm)
Depth [inches (mm)] 11.2" (282 mm)
Dimensions W/O stand
Height [inches (mm)] 30.2" (765 mm)
Width [inches (mm)] 50.5" (1,281 mm)
Depth [inches (mm)] Max: 2.1" (52 mm) ; General: 1.6" (40 mm)
Weight with stand [lbs (kg)] 59.6 lbs. (27.0 kg)
Weight W/O stand [lbs (kg)] 53.0 lbs. (24.0 kg)
Carton Dimensions
Height [inches (mm)] 34.4" (872 mm)
Width [inches (mm)] 64.9" (1,647 mm)
Depth [inches (mm)] 6.2" (156 mm)
Gross Weight [lbs (kg)] 75.0 lbs. (34.0 kg)
Operating Temperature 32F - 95F (0C - 35C)
Safety Standard US: UL60065/FCC Part15, CANADA: CSA C22.2/IC BETS-7
VESA Compatible yes
FURTHER SPECIFICATIONS
NOTE * with Special Adapter cable (dedicated)
Aspect Ratio 16:9
Number of Pixels 2,073,600 (1,920 x 1,080)
Panel IPS LED LCD
HDTV Display Capability (1080p, 1080i, 720p) yes
Aspect Control 480i/p: FULL, JUST, 4:3, ZOOM / 1080i/p: FULL, H-FILL, JUST, 4:3, ZOOM
PICTURE
Viewing Angle 178 degrees
Filter Clear Panel
Panel Drive yes
24p Playback (3:2)/24p Smooth Film yes/ yes
Intelligent Scene Controller yes
Smart VIERA Engine Pro
Vivid Color Creation yes
AUDIO
3D Real Sound yes
Number of Speakers 2
Audio Output 20 W
Surround Sound AV Surround
JACKS
Integrated ATSC Tuner yes
HDMI Input null / 4 (4 side)
Support Feature Audio Return Channel (Input 2)
SD Card yes (SDXC)
USB2.0 2
Analog Audio Input (for HDMI/DVI) yes
Composite Video Input shared with Component RCA x 1 (lower) *
Audio Input (for Composite Video) RCA x 1 (lower) *
PC Input D-sub 15-pin x 1 (lower)
Component Video Input (Y, PB, PR) shared with Composite RCA x 1 (lower) *
Audio Input (for Component Video) RCA x 1 (lower) *
Ethernet 1 (lower)
Digital Audio Output 1 (lower)
FEATURES
VIERA Connect (IPTV) yes
Skype while watching TV yes
Social Networking TV (Faceboook/Twitter) yes
VIERA Remote App Support yes
Wireless LAN Adaptor WiFi Ready
DLNA yes
Media Player null / yes (SD Card/USB)
Support Format AVCHD Progressive/SD-VIDEO/MotionJPEG (Lumix)/MKV/MP4/MOV/M4v/FLV/3GPP/VRO/VOB/TS/PS, MP3/AAC/FLAC, JPEG
VIERA Link yes
VIERA Tools yes
Eco Mode yes
Game Mode yes
Trilingual Menu (English/Spanish/French) yes
Built-In Closed Caption Decoder yes
Off - Timers yes
E-Help yes
GENERAL
Power Supply 1 AC 110 - 127 V, 60 Hz
On Mode Average Power Consumption 74.8 W
Receiving System ATSC/QAM/NTSC
Dimensions with stand
Height [inches (mm)] 32.0" (811 mm)
Width [inches (mm)] 50.5" (1281 mm)
Depth [inches (mm)] 11.2" (282 mm)
Dimensions W/O stand
Height [inches (mm)] 30.2" (765 mm)
Width [inches (mm)] 50.5" (1,281 mm)
Depth [inches (mm)] Max: 2.1" (52 mm) ; General: 1.6" (40 mm)
Weight with stand [lbs (kg)] 59.6 lbs. (27.0 kg)
Weight W/O stand [lbs (kg)] 53.0 lbs. (24.0 kg)
Carton Dimensions
Height [inches (mm)] 34.4" (872 mm)
Width [inches (mm)] 64.9" (1,647 mm)
Depth [inches (mm)] 6.2" (156 mm)
Gross Weight [lbs (kg)] 75.0 lbs. (34.0 kg)
Operating Temperature 32F - 95F (0C - 35C)
Safety Standard US: UL60065/FCC Part15, CANADA: CSA C22.2/IC BETS-7
VESA Compatible yes
FURTHER SPECIFICATIONS
NOTE * with Special Adapter cable (dedicated)
FoodSaver Specialty Bags & Rolls - Buy One, Get One FREE - Free Shipping over $100 (i used code with less than $100)
Added on : Friday January 18th 2013 12:00:04 PM
I used code G2FWMTE2C for free Standard Shipping on less than $100 order total.BOGO worked for one 6 roll package of the gamesaver 11" x 16', but not two. May work for three like last sale. I did not try.So I got 12 rolls total for $49.99 making it $4.16/roll. Remember 5% CashBack and it brings it down to $47.50 for 12 rolls making it $3.95/roll.Sadly, I forgot to do the FW CB and they do not cancel orders no matter how soon you try.BAGS and ROLLS LINK
Food Saver Coupons
Food Saver Coupons
office depot ad for the week of 1/20/13 is up: some dollar deals and paper deals
Added on : Friday January 18th 2013 07:00:03 AM
the ad is up for Office Depot.There are a few dollar deals. They include:$1
#308-957 Office Depot Brand 2" Binder Clips 12-PK
#720-373 PowerHouse Bleach Cleaner
On Select Office Depot Brand Envelopes (can't read the qty/box/opk)
paper deal
#677-947 Office Depot Brand Premium Multipurpose Case Paper $22.99 (no rebates needed. You get $2.30 back in rewards, too if it matters) Limit 1 per household/business.There is also a continuing FAR offer from last week. See bpvh's thread for more info.Thank you for reading this post.
Office Depot Coupons
#308-957 Office Depot Brand 2" Binder Clips 12-PK
#720-373 PowerHouse Bleach Cleaner
On Select Office Depot Brand Envelopes (can't read the qty/box/opk)
paper deal
#677-947 Office Depot Brand Premium Multipurpose Case Paper $22.99 (no rebates needed. You get $2.30 back in rewards, too if it matters) Limit 1 per household/business.There is also a continuing FAR offer from last week. See bpvh's thread for more info.Thank you for reading this post.
Office Depot Coupons
Jim Gaffigan Mr. Universe Comedy Special at $5 jimgaffigan.com NO DRM
Added on : Wednesday January 16th 2013 02:00:07 PM
New 75 minute special from Jim Gaffigan
$1 from every $5 will be donated to The Bob Woodruff Foundation, helping veterans and their families.
Download and stream 3 times after paymentDoes it matter where I live?
No. OK, wait, perhaps. PayPal and Amazon do business across most of the world, but in some places like North Korea you may find it difficult to buy. If you're unable to buy, please do let us know.What format is the download in?
The downloadable video files are H.264 encoded in an MP4 container. We offer an HD download at 1280x720 pixels, and an SD edition at 640x360 pixels. They are playable in any H.264 compatible player.
Check the teaser out here: https://www.youtube.com/watch?feature=player_embedded&v=6YDTfEhC...
$1 from every $5 will be donated to The Bob Woodruff Foundation, helping veterans and their families.
Download and stream 3 times after paymentDoes it matter where I live?
No. OK, wait, perhaps. PayPal and Amazon do business across most of the world, but in some places like North Korea you may find it difficult to buy. If you're unable to buy, please do let us know.What format is the download in?
The downloadable video files are H.264 encoded in an MP4 container. We offer an HD download at 1280x720 pixels, and an SD edition at 640x360 pixels. They are playable in any H.264 compatible player.
Check the teaser out here: https://www.youtube.com/watch?feature=player_embedded&v=6YDTfEhC...
Finish BA/BS - Private(low GPA) vs. Public (high GPA) - Advice?
Added on : Tuesday January 15th 2013 01:01:05 PM
After fits and starts, I've returned to school to finish my BS/BA. I'm registered at 2 universities - Carnegie Mellon and the University of Minnesota. I flunked out of CMU due to anxiety/gf dump a couple years ago. Spent 2 years in China (H&B+easy money-$2k in savings/month no tax). I ask the FWF Diaspora for help with one of the most major decisions in my life. Be brutally honest as I know you can be. I've read several other threads on public/private. I know there is no one simple rule.Me:
Age 27, worked for another major private Univ as IT guy (lvl 2 Helpdesk -$50k/yr salary) for 1 year, taught in China for 2 years
Like Business/Finance/Entrepeneurship - first company when I was 16, investing since I was 12, currently manage my own portfolio (12% for last year)
Love China - interested in Chinese studies - the women are HOT
Don't want to have a useless liberal arts degree
Want to work in a multinational somewhere in Asia, or maybe SA - don't want to live in the States post-grad
Will continue Chinese studies - be conversational fluent upon gradCMU:
Prestige (top 25 school), alumni network, amazing career office, on-campus recruiting
low GPA - will finish slightly above 2.0
International Relations and Politics BS - marketable? I have no other options for a degree for the year time-frame. Changing would involve more time+money.
Need to get almost straight As in order to finish above 2.0 - more rigorous
Expensive! Double the cost (no aid available to me)!
Will never have this opportunity again for this tier of schoolU of Minnesota:
Will enter under the Continuing Education school for their Inter-College Program - self-designed degree
Concentration in Management, and Chinese Studies (also other options)
Lower prestige, more area-centric for networking opportunities
Assume everything transfers properly, blank slate of a GPA, so graduate with higher GPA (will work @$$ off for 4.0)
Degree certificate will just show "U of M", not Continuing Ed school. But transcript will say it.
Resident tuition rate - cheap! Ranked well among state schools.Can finish at either school in one year - same time frame. Hiring managers - advice, please? What would you do?
I know I will have to explain the gap in my resume.
What's your thoughts good private school (low GPA) vs public school (high GPA)? I know this doesn't matter so much 5+ years post-grad, as your work experience counts more. But I need to consider how to jump-start my career in the best way possible - is CMU worth it, especially considering networking/internships?Thank you!
Age 27, worked for another major private Univ as IT guy (lvl 2 Helpdesk -$50k/yr salary) for 1 year, taught in China for 2 years
Like Business/Finance/Entrepeneurship - first company when I was 16, investing since I was 12, currently manage my own portfolio (12% for last year)
Love China - interested in Chinese studies - the women are HOT
Don't want to have a useless liberal arts degree
Want to work in a multinational somewhere in Asia, or maybe SA - don't want to live in the States post-grad
Will continue Chinese studies - be conversational fluent upon gradCMU:
Prestige (top 25 school), alumni network, amazing career office, on-campus recruiting
low GPA - will finish slightly above 2.0
International Relations and Politics BS - marketable? I have no other options for a degree for the year time-frame. Changing would involve more time+money.
Need to get almost straight As in order to finish above 2.0 - more rigorous
Expensive! Double the cost (no aid available to me)!
Will never have this opportunity again for this tier of schoolU of Minnesota:
Will enter under the Continuing Education school for their Inter-College Program - self-designed degree
Concentration in Management, and Chinese Studies (also other options)
Lower prestige, more area-centric for networking opportunities
Assume everything transfers properly, blank slate of a GPA, so graduate with higher GPA (will work @$$ off for 4.0)
Degree certificate will just show "U of M", not Continuing Ed school. But transcript will say it.
Resident tuition rate - cheap! Ranked well among state schools.Can finish at either school in one year - same time frame. Hiring managers - advice, please? What would you do?
I know I will have to explain the gap in my resume.
What's your thoughts good private school (low GPA) vs public school (high GPA)? I know this doesn't matter so much 5+ years post-grad, as your work experience counts more. But I need to consider how to jump-start my career in the best way possible - is CMU worth it, especially considering networking/internships?Thank you!
Greetings FWF Comrades!
I searched for LLC questions and sorted through about 100 of them before I gave up and decided to ask my own question as my situation is not very cut and dry.
(I UNDERSTAND THAT ADVICE GIVEN TODAY IS NOT TO BE CONSTITUTED AS ADVICE FROM A LAWYER OR CERTIFIED PUBLIC ACCOUNTANT, AND IS FOR INFORMATIONAL PURPOSES ONLY.)
I own a home with my two brothers #1 and #2 (Im #3.)
The mortgage was just refinanced under HARP 2.0 and knocked the interest rate down considerably. We havent lost our shirt in Florida (where the house is located) but then again, we havent sold yet.
The mortgage is solely in brother #1s name. (So I suppose I dont actually OWN anything Im aware.) To make matters worse he is recently married so that further complicates things.
The other issue is hes lazy and does not follow through on anything. He used to handle the finances until I randomly got a text last year saying Current Tenants not paying rent, need check. (Two months after the last check stopped coming, yes I know Im partially to blame for this so I instituted a few informal things for me to get involved to ensure Id know right away and be able to do something.)
Now on to my question:
I want to form an LLC with all 3 having an equal stake.
I mainly would like to know if Im on the right track. The steps as I see it are:
1)Start LLC In Florida and pay all appropriate fees etc. (I do not want to pay a foreign biz tax in FL for incorporating in DE, WY or NV. Please let me know if I am dumb for not doing this.)
2)Send a notice to the mortgage holder from brother #1 saying he is putting the mortgage in to an LLC and giving them the opportunity to tell him know. I have the general verbiage of that letter from some research, and I believe it allows the title holder to object without calling in the mortgage something I frankly dont think they would have the stones to do in Florida anyway.
3)Once mortgage is moved to LLC and were all street legal, obtain corporate checking/credit card to ensure spending is documented from a single source.
4)File all appropriate tax documents annually and render to Caesar that which is Caesars.If youre reading this face palming please offer some insight. I dont think a lawyer is necessary in this but a CPA might be. I think a single property makes it pretty straight forward, I just want to make sure everyone is getting their cut and there are no problems if something were to happen to brother #1 and his wife now has my property.
Thanks!
Goat Saver
I searched for LLC questions and sorted through about 100 of them before I gave up and decided to ask my own question as my situation is not very cut and dry.
(I UNDERSTAND THAT ADVICE GIVEN TODAY IS NOT TO BE CONSTITUTED AS ADVICE FROM A LAWYER OR CERTIFIED PUBLIC ACCOUNTANT, AND IS FOR INFORMATIONAL PURPOSES ONLY.)
I own a home with my two brothers #1 and #2 (Im #3.)
The mortgage was just refinanced under HARP 2.0 and knocked the interest rate down considerably. We havent lost our shirt in Florida (where the house is located) but then again, we havent sold yet.
The mortgage is solely in brother #1s name. (So I suppose I dont actually OWN anything Im aware.) To make matters worse he is recently married so that further complicates things.
The other issue is hes lazy and does not follow through on anything. He used to handle the finances until I randomly got a text last year saying Current Tenants not paying rent, need check. (Two months after the last check stopped coming, yes I know Im partially to blame for this so I instituted a few informal things for me to get involved to ensure Id know right away and be able to do something.)
Now on to my question:
I want to form an LLC with all 3 having an equal stake.
I mainly would like to know if Im on the right track. The steps as I see it are:
1)Start LLC In Florida and pay all appropriate fees etc. (I do not want to pay a foreign biz tax in FL for incorporating in DE, WY or NV. Please let me know if I am dumb for not doing this.)
2)Send a notice to the mortgage holder from brother #1 saying he is putting the mortgage in to an LLC and giving them the opportunity to tell him know. I have the general verbiage of that letter from some research, and I believe it allows the title holder to object without calling in the mortgage something I frankly dont think they would have the stones to do in Florida anyway.
3)Once mortgage is moved to LLC and were all street legal, obtain corporate checking/credit card to ensure spending is documented from a single source.
4)File all appropriate tax documents annually and render to Caesar that which is Caesars.If youre reading this face palming please offer some insight. I dont think a lawyer is necessary in this but a CPA might be. I think a single property makes it pretty straight forward, I just want to make sure everyone is getting their cut and there are no problems if something were to happen to brother #1 and his wife now has my property.
Thanks!
Goat Saver
Bank with (1) free ATMs everywhere and (2) mobile deposit -- unlimited or higher limits
Added on : Friday January 11th 2013 12:01:01 PM
Currently with PNC which has free ATMs worldwide (even other banks -- it refunds the fees) and has mobile deposits but it has an arbitrary limit on mobile deposits (via phone) which makes no sense and they won't waive for me no matter how much money I have in my account. I need a bank that will let me deposit $20,000 or more monthly via mobile deposit and will refund ATM fees from other banks. I would keep at least $100,000 in the bank at all times. So far the only bank I can find that has both of these features is USAA, which I'm not 100% Keen on because they don't have any branches, and sometimes I deposit cash. Are there any brick and mortar banks that have free ATMs nationwide and higher limits on mobile deposits? Thanks.
Office Depot FAR software for the week of 01/13/2013 Trend Micro Titanium Antivirus+ Security For 1 User Item #220-885
FREE After $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In SavingsMcAfee Total Protection 2013 For 3 Users Item #830-788
$4.99 After $10 Instant & $65 Mfr. Mail-In SavingsPhoto Explosion 5.0 Item #891-718
$4.99 After $25 in (2) Mfr. Mail-In SavingsBusiness Card Factory Deluxe 4 Item #436-893
$4.99 After $25 in (2) Mfr. Mail-In Savings
DETAILS TO FOLLOW
====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
FREE After $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In SavingsMcAfee Total Protection 2013 For 3 Users Item #830-788
$4.99 After $10 Instant & $65 Mfr. Mail-In SavingsPhoto Explosion 5.0 Item #891-718
$4.99 After $25 in (2) Mfr. Mail-In SavingsBusiness Card Factory Deluxe 4 Item #436-893
$4.99 After $25 in (2) Mfr. Mail-In Savings
DETAILS TO FOLLOW
====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Victorinox Spartan The original Swiss Army Knife $14.99 Free Ship To Store @ cabelas
Added on : Thursday January 10th 2013 03:00:06 PM
http://www.cabelas.com/catalog/search_catalog_command.cmd?fromPr...Lifetime Warranty
Made in Switzerland
The original Swiss Army Knife
No matter what your plan is for this knife, rest assured, it's at your service when it's at your side. NASA took it to space, adventurers took it up Mt. Everest and to the North Pole. You'll want to take it everywhere. 12 useful tools in the palm of your hand. Spartan features large serrated blade and small blade, corkscrew, can opener/small screwdriver, cap lifter/screwdriver, wire stripper, reamer, tweezers and toothpick. Polished Vx Red cellidor handle.
Blade length: 2.5".
Overall length: 6".
Closed length: 3.5".
Weight: 2.1 oz.
Made in Switzerland
The original Swiss Army Knife
No matter what your plan is for this knife, rest assured, it's at your service when it's at your side. NASA took it to space, adventurers took it up Mt. Everest and to the North Pole. You'll want to take it everywhere. 12 useful tools in the palm of your hand. Spartan features large serrated blade and small blade, corkscrew, can opener/small screwdriver, cap lifter/screwdriver, wire stripper, reamer, tweezers and toothpick. Polished Vx Red cellidor handle.
Blade length: 2.5".
Overall length: 6".
Closed length: 3.5".
Weight: 2.1 oz.
[dead] AMEX Platinum 100k signup offer ($3000 spend in 3 months, $450 fee not waived)
Added on : Tuesday January 08th 2013 03:01:03 PM
Signup bonus no longer liveCredit to SD/Flyertalk...https://www.creditcards.com/cardmatch/SSN not required on their pre-check page! I also used incognito mode in Chrome, but I'm not sure if it matters or not.From there, they listed several AMEX offers ($250 for AMEX Blue Preferred, 45k Delta miles and a couple others), clicked-through on the 100k Platinum offer, and was shown the offer as advertised on an AmericanExpress.com application page. After approval, the bonus was confirmed on the final "Congratulations" page. As someone stated below, yes, $450 annual fee not waived.Good luck...
Free $10 iTunes gift card by making a trade with Sharebuilder App on iPad YMMV
Added on : Monday January 07th 2013 08:01:21 PM
Free $10 iTunes gift card by making a trade with Sharebuilder App on iPad YMMV Just received an email from Sharebuilder with whom I have a small brokerage account with.
No matter what you buy or sell, your next trade could earn you $10 on iTunes. Just make a real-time trade with our new, free iPad app by February 1.
Download the app now. No code or secret handshake required. Just trade from our (free!) iPad app, no later than February 1. Then we'll send you the iTunes credit in an email. Rock on, The ShareBuilder Team https://itunes.apple.com/us/app/sharebuilder-mobile/id575621429?...To be eligible for this promotion, you must place a minimum of one real-time trade using the ShareBuilder iPad App within the promotional period of January 7, 2013 to February 1, 2013. Investments made using the Automatic Investment Plan are not eligible. Investments made on an iPad browser are not eligible. You will receive a $10 iTunes Code via email within 2-4 weeks of completing your qualifying trade. Limit one bonus per unique customer or custodial beneficiary.superstud10 op
No matter what you buy or sell, your next trade could earn you $10 on iTunes. Just make a real-time trade with our new, free iPad app by February 1.
Download the app now. No code or secret handshake required. Just trade from our (free!) iPad app, no later than February 1. Then we'll send you the iTunes credit in an email. Rock on, The ShareBuilder Team https://itunes.apple.com/us/app/sharebuilder-mobile/id575621429?...To be eligible for this promotion, you must place a minimum of one real-time trade using the ShareBuilder iPad App within the promotional period of January 7, 2013 to February 1, 2013. Investments made using the Automatic Investment Plan are not eligible. Investments made on an iPad browser are not eligible. You will receive a $10 iTunes Code via email within 2-4 weeks of completing your qualifying trade. Limit one bonus per unique customer or custodial beneficiary.superstud10 op
AMEX Platinum 100k signup offer ($3000 spend in 3 months, $450 fee not waived)
Added on : Monday January 07th 2013 07:01:07 PM
Credit to SD/Flyertalk...https://www.creditcards.com/cardmatch/SSN not required on their pre-check page! I also used incognito mode in Chrome, but I'm not sure if it matters or not.From there, they listed several AMEX offers ($250 for AMEX Blue Preferred, 45k Delta miles and a couple others), clicked-through on the 100k Platinum offer, and was shown the offer as advertised on an AmericanExpress.com application page. After approval, the bonus was confirmed on the final "Congratulations" page. As someone stated below, yes, $450 annual fee not waived.Good luck...
AMEX Platinum 100k signup offer ($3000 spend in 3 months)
Added on : Monday January 07th 2013 06:01:00 PM
Credit to SD/Flyertalk...https://www.creditcards.com/cardmatch/SSN not required on their pre-check page! I also used incognito mode in Chrome, but I'm not sure if it matters or not.From there, they listed several AMEX offers ($250 for AMEX Blue Preferred, 45k Delta miles and a couple others), clicked-through on the 100k Platinum offer, and was shown the offer as advertised on an AmericanExpress.com application page. After approval, the bonus was confirmed on the final "Congratulations" page.Good luck...
12oz Cereal On The Go W/Freezer Gel Insulated Cup $4.99 + Free Shipping
Added on : Friday January 04th 2013 07:00:07 PM
12oz Cereal On The Go W/Freezer Gel Insulated Cup $4.99 + Free Shippinghttp://www.dailybargainshop.com/Take breakfast on the road with this handy item. This cup has two pieces - one container is used for storing the dry cereal while the second container includes a gel-insulated bottom that will keep milk cold and fresh and ready for use. Simply pour the milk onto the cereal and have a bowl of cold cereal no matter where you are!Features:
12oz Cup
Non-toxic Freezer Gel Insulated bottom keeps milk cold for up to 3 hours
Dual chambered container holds cereal and milk seperately
Leak-resistant lid
Collapsible spoon also included
Easy and convenient to take
Bpa-free
Perfect for cereal & milk or yogurt & granula or just fruits
Great for road trips, the RV, camping, school lunches, and more!Note: Colors may vary
Condition: New Retail
12oz Cup
Non-toxic Freezer Gel Insulated bottom keeps milk cold for up to 3 hours
Dual chambered container holds cereal and milk seperately
Leak-resistant lid
Collapsible spoon also included
Easy and convenient to take
Bpa-free
Perfect for cereal & milk or yogurt & granula or just fruits
Great for road trips, the RV, camping, school lunches, and more!Note: Colors may vary
Condition: New Retail
uNu Enerpak Tube 5000mAh USB External Battery Pack, $29
Added on : Thursday January 03rd 2013 01:00:08 PM
Text
With the Enerpak Tube portability and power collide. Able to re-charge almost any smartphone up to 2.5x while still managing to remain light-weight and completely portableFeaturesA Potent Portable - Made to be a perfect travel companion the Enerpak Tube is one of the most potent batteries in the industry. This powerful device can fit inside a pocket or purse and is perfect for on-the-go reliability yet, still boasts the ability to re-charge almost any USB product including tablets and smartphones.
The Power of "uNuversal" - Using a 1A USB port to charge almost any USB device, the Enerpak Tube effectively charges most electronics at significantly superior speeds compared to traditional USB batteries. Therefore, no matter what the device, an alternative power source is always within reach.
Immense Battery Life - Deceivingly powerful, the Enerpak Tube boasts a unparallel 5000mAh carrying capacity which allows it to charge almost any smartphone more than 3 times. Plus it has the capabilities of boosting the battery charge on tablets such as the iPad, while still managing to be able to fit in a pocket.
Technologically Advanced - Designed with over-charge and short-circuit technologies the Enerpak Tube is a safe and reliable source or re-chargable power. Also the Enerpak Tube employs a low-power LED indicator to show when the battery is running low.
Charge Any Devices at Anywhere! - Made to be the perfect travel companion the Enerpak Series Juice Packs are plug-n-play, charges your iPhones, iPods and iPads, and all USB powered devices on-the-go at any location that you need a quick boost.
Box Content
Micro USB cable
Enerpak Tube Juice Pack 5000mAh Battery Pack
Quick User GuideSpecifications
Material: ABS Plastic
Capacity: 5000mAh
Input: 5V / 1A
Output: 5V / 1A (USB)
Life Cycle: >500 cycles
eBay Coupons
With the Enerpak Tube portability and power collide. Able to re-charge almost any smartphone up to 2.5x while still managing to remain light-weight and completely portableFeaturesA Potent Portable - Made to be a perfect travel companion the Enerpak Tube is one of the most potent batteries in the industry. This powerful device can fit inside a pocket or purse and is perfect for on-the-go reliability yet, still boasts the ability to re-charge almost any USB product including tablets and smartphones.
The Power of "uNuversal" - Using a 1A USB port to charge almost any USB device, the Enerpak Tube effectively charges most electronics at significantly superior speeds compared to traditional USB batteries. Therefore, no matter what the device, an alternative power source is always within reach.
Immense Battery Life - Deceivingly powerful, the Enerpak Tube boasts a unparallel 5000mAh carrying capacity which allows it to charge almost any smartphone more than 3 times. Plus it has the capabilities of boosting the battery charge on tablets such as the iPad, while still managing to be able to fit in a pocket.
Technologically Advanced - Designed with over-charge and short-circuit technologies the Enerpak Tube is a safe and reliable source or re-chargable power. Also the Enerpak Tube employs a low-power LED indicator to show when the battery is running low.
Charge Any Devices at Anywhere! - Made to be the perfect travel companion the Enerpak Series Juice Packs are plug-n-play, charges your iPhones, iPods and iPads, and all USB powered devices on-the-go at any location that you need a quick boost.
Box Content
Micro USB cable
Enerpak Tube Juice Pack 5000mAh Battery Pack
Quick User GuideSpecifications
Material: ABS Plastic
Capacity: 5000mAh
Input: 5V / 1A
Output: 5V / 1A (USB)
Life Cycle: >500 cycles
eBay Coupons
Hello,
I've been reading the FW forums for a while now, but I finally decided to post.My wife recently found out she has a lot of debt. We have been inquiring about most of the charges and every company keeps telling us that they can not give us information because she is not the account holder. Her SSN was used for all of the accounts, but they were not in her name. There are also student loans that she never signed for or even knew she had. This didn't make any sense as she had an athletic scholarship to play soccer at her university. The only way we even found out about the student loans is because she started receiving calls from collection agencies.We have been requesting signatures and any proof the companies could have to prove my wife opened any of this stuff only to show that her mom did it all. She forged her daughter's signatures and used her social because her credit was already ruined. This was all done when my wife was an adolescent. She is now 25.While investigating that, we also found out that my wife had a trust fund left to her when her dad passed away. She was to receive this when she turned 18, but never did. We got the case documents showing all the activity of the account and a check was signed for and mailed shortly after my wife turned 18. She never even knew she had it until 2 weeks ago when her grandmother, mother of deceased father, told her about it. Her grandmother said that her father left her $15,000 in a trust fund with compounding interest. To add to the matter, she won a case settlement for an injury from when she was 2 years old, totaling $11,306. All of which her mother gained access to and spent with out my wife ever knowing. I have talked briefly with a lawyer about how to address these issues. The only way we can begin any type of settlement for the student loans is to press charges against her mother. I may be SOL with the other issues, but what other courses of action can we take? Is there anything we can do to salvage this? I still cant fathom what type of mother would do this to her child. Unfortunately at this point, I am not concerned with our relationship, as this needs to be an eye opener for her, and more importantly, I need to restore some normalcy to my wife's credit (long shot).Thanks in advance.
I've been reading the FW forums for a while now, but I finally decided to post.My wife recently found out she has a lot of debt. We have been inquiring about most of the charges and every company keeps telling us that they can not give us information because she is not the account holder. Her SSN was used for all of the accounts, but they were not in her name. There are also student loans that she never signed for or even knew she had. This didn't make any sense as she had an athletic scholarship to play soccer at her university. The only way we even found out about the student loans is because she started receiving calls from collection agencies.We have been requesting signatures and any proof the companies could have to prove my wife opened any of this stuff only to show that her mom did it all. She forged her daughter's signatures and used her social because her credit was already ruined. This was all done when my wife was an adolescent. She is now 25.While investigating that, we also found out that my wife had a trust fund left to her when her dad passed away. She was to receive this when she turned 18, but never did. We got the case documents showing all the activity of the account and a check was signed for and mailed shortly after my wife turned 18. She never even knew she had it until 2 weeks ago when her grandmother, mother of deceased father, told her about it. Her grandmother said that her father left her $15,000 in a trust fund with compounding interest. To add to the matter, she won a case settlement for an injury from when she was 2 years old, totaling $11,306. All of which her mother gained access to and spent with out my wife ever knowing. I have talked briefly with a lawyer about how to address these issues. The only way we can begin any type of settlement for the student loans is to press charges against her mother. I may be SOL with the other issues, but what other courses of action can we take? Is there anything we can do to salvage this? I still cant fathom what type of mother would do this to her child. Unfortunately at this point, I am not concerned with our relationship, as this needs to be an eye opener for her, and more importantly, I need to restore some normalcy to my wife's credit (long shot).Thanks in advance.
Need Advice: Third party company/client requiring fingerprint to do work for them
Added on : Wednesday January 02nd 2013 12:01:03 PM
Some Background:I work for a consulting company. We do a lot of contract work for this software Company A. Companies who bought software from Company A occasionally need customization, and when Company A can't handle the workload, they send some out to us.Problem:I've been assigned to work on this particular project for Client O, who uses Company A's software. The project is only estimated to take 50 hours. Client O wants to do a background check on everyone who works on their project, including people from Company A and my company. They want our personal information such as SSN and address, as well as our fingerprints. My company has a non-disclosure agreement with Company A. Everyone in my company that works on Company A's projects has also been through a background check and a drug test. Supposedly this confidentiality and security check can be extended to all of Company A's customers. I understand Client O might want employees at Company A to do this because they can be working on huge projects for Client O, but my company is only contracted to do a 50-hour project for Client O.My boss is reluctant to make his employees go through this. Do I have any say in this? I absolutely do not want to do this because I think it's a huge violation of privacy, especially considering that my company's relationship with Client O is short term. I have nothing to hide, but I don't want to just easily give up my personal information like that. Is there anything I can do? How do I ensure that my personal information is safe with them?If it matters at all, my company is in California. Company A is in Florida. And Client O is in Oregon.Any advice that you can give will be much appreciated!! Thank you!
Office Depot FAR software for the week of 12/30/2012
Added on : Friday December 28th 2012 12:00:07 AM
Office Depot FAR software for the week of 12/30/2012
McAfee Internet Security 2013 - 3 User
Item #830-698
FREE After $10 Instant & $60 Mfr. Mail-In Savings
In Store Price $59.99
Valid 12/30/12 through 1/5/13System Mechanic Pro
Item #219-895
$9.99 After $30 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $69.99
(SAVE $60)
Valid 12/30/12 through 1/5/13
====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
McAfee Internet Security 2013 - 3 User
Item #830-698
FREE After $10 Instant & $60 Mfr. Mail-In Savings
In Store Price $59.99
Valid 12/30/12 through 1/5/13System Mechanic Pro
Item #219-895
$9.99 After $30 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $69.99
(SAVE $60)
Valid 12/30/12 through 1/5/13
====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Greetings and Happy Holidays to All! It's late and I'm a bit bored right now, so I figured it's time to get the 2012 Career Thoughts and Compensation Thread rolling. I started doing these threads annually on the FatWallet Finance board in 2006. When I originally started this thread, I thought that it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. Over the years, a wide variety of people in all sorts of careers have contributed to these threads, and it's my hope that these threads have proven to be a valuable resource for those who are contemplating their career options. Now gang, before we get started, here's a reminder of the rules, which 99.9% of you have been great at following over the past six years:If you participate, please try to keep this a positive, informative thread, and let's not get into any arguments about how one's career/education/compensation makes him/her superior/inferior to other people. Please do no insult people by claiming they are overpaid, do no work, etc. Contribute as much or as little information as you're comfortable sharing, but please be honest so that this may serve as a truly informative thread for people mulling their career options.So, now that the ground rules have been set, how did your job go this year? Did things go well or not so well? How well were you compensated for 2012? Did the poor economy have a serious effect on your career? Maybe each person can give a brief description of themselves, their job, their education levels, and their salaries, present and maybe even projected salaries for the future. As always, since I'm starting the thread, I have to bite first:Gender: MaleAge: 40Location: Northern NJOccupation: Urban Educator (My fancy title for a teacher in a city of low socioeconomic standing)Education: M.A., plus 33 additional credits2012 Compensation: $100,600 (Base Pay, some extra pay for curriculum writing, and some retro pay due to a delayed new contract.) Base salary for the 2012-2013 school year is a whisker over $100,000. It would have been a couple grand more, but of course, since it was my year to hit the top of our guide (based on the old structure), they added steps to the new contract.Future Salary Projection: Not too much further to go from here in my current position. Salary will go up about $1500 next year and perhaps $3000 the year after that. Then, it might go up $1700 or $1800 per year. Benefits: Full medical, although teachers in NJ now have to pay a percentage of their salaries for their medical benefits. (It's currently based on a sliding scale, based on income, but no less than 1.5% of base salary.) We get modest dental, generous sick and personal time, a decent pension plan (at least if the state doesn't default on the benefits), tremendous job security once you achieve tenure (but virtually none before that, and even with tenure, you can still have the daylights menaced out of you. Also keep in mind that not all states offer tenure, in which case you can pretty much be fired at will no matter how much time you have in a particular district.) In almost all districts in NJ, you can accumulate sick time from year to year.What's the job like?Very difficult and getting more difficult by the year. Tremendously long hours, almost no down time during the school day (I don't take lunch very often), lots of work at home, deplorable working conditions, with some classrooms reaching temperatures of 90+ degrees and others below freezing. You will also most likely need to spend a decent amount of money on supplies for students because your school won't provide them, even though they insist on your using them. Very little respect and support from most supervisors, parents, and students, although I will admit that things seem to have gotten a hair better between teachers and administration in my district (overall, anyway).Would you recommend the career to others?Every year, it's become harder and harder for me to recommend teaching as a career. The public employee bashing in the U.S. is still pretty strong, with teachers still at the top of the "Bash List", although it seems to be subsiding a bit compared to what it was like the past two years. This is not an easy job. If you're doing it correctly, it's at least a 50-60 hour a week job, and it's 50-60 hours of grueling work. Teachers in urban districts in particular have taken a real beating. They are expected to be miracle workers, solving all of our society's ills. And, sadly, new workers are likely going to suffer the most. NJ has already cut pension benefits and increased retirement ages for newer workers, and, honestly, it wouldn't surprise me to see pensions eliminated for new employees as well as two or three different salary tiers for teachers based on their time of service in the near future.This is not an easy job. If you think you can handle it, go for it, but keep in mind that it's going to be a tough road ahead for teachers for the foreseeable future.
I am not sure if this makes a difference, and I am considering all of my options.. Therefore ---
If I want to buy a new home, but not immediately sell the old home (I hope to refinance and maybe rent it out till it sells or ,market improves, does it matter if I apply for a new home loan first, or a refinanced loan first? Or would it even matter? I really don't want to keep the "old" home, but not sure what to do due to the market.... Any suggestions??? Thanks!!
If I want to buy a new home, but not immediately sell the old home (I hope to refinance and maybe rent it out till it sells or ,market improves, does it matter if I apply for a new home loan first, or a refinanced loan first? Or would it even matter? I really don't want to keep the "old" home, but not sure what to do due to the market.... Any suggestions??? Thanks!!
Adding credit card affiliate/application links on your website to get commissions
Added on : Monday December 24th 2012 10:01:10 PM
I suspect that a large number of people on here have a website or blog. My own website currently gets 6k unique visitors a month and 10k pageviews a month (although I am not sure if my reasonably active forums are counted in these stats). Adsense did not do much for me since my keywords are not particularly lucrative. I do have two decent private advertisers, but still make only $650 a month from them combined despite being on the web for 6 years.Lately, I have seen a number of bloggers in the frequent flier arena offer links to credit card applications. It seems like certain cards (e.g., Chase Ink) offer large (50k points) sign-up bonuses for the applicant, and up to $150 or even more for bloggers who succeed in getting an applicant to click on the affiliate link and get approved for the credit card.At first I though that this would not work on my site since it does not deal with finance or flying. However, I have very few banners on my site, and just one products to purchase page with two banners/products on there at the moment.I am hoping to add a third banner on that page with a link to a great credit card offer that gives at least 50k points to the applicant and at least $100 to me for each successful clickthrough plus application.Any opinions on which affiliate marketing companies to contact for this or which credit card companies to contact for this? I assume most will reject me based on the subject matter of my site, even if I tell my site visitors that this part of the product page is for improving their financial standing? I also intend to post other offers on that part of the site down the road (e.g., where to get discounted gift cards etc...).
A few months ago I made a post about my speeding ticket, noting that the officer significantly misspelled
my name. I had been going 52 in a 35mph zone. I asked if this mistake would allow me to get a free pass and not
have my insurance or driving record affected. Nearly all of you said no way and my post got a lot of red.I just renewed my insurance, and there is no mention of the speeding ticket, and no rate increase. I even checked
my driving records and no points were taken off. Of course, I did pay about $170 when I mailed in my fine for the ticket
(didn't want to bother going to court) but other than that, no insurance hike, no mention of the ticket on the insurance,
and no points taken off my driving record at the DMV. I realize this is YMMV, and it probably doesn't work like this most of the time. I guess I just got lucky in time
for Christmas. As many of you pointed out in the previous post, the misspelled name should not have mattered because
there was other data like license plate number, etc. But I seem to be fine. Also I'm sure this is not a processing delay
because I pleaded guilty to the ticket more than a couple months ago, yet my insurance and driving record are unchanged.
I guess sometimes we just get lucky, Merry Christmas everyone!
my name. I had been going 52 in a 35mph zone. I asked if this mistake would allow me to get a free pass and not
have my insurance or driving record affected. Nearly all of you said no way and my post got a lot of red.I just renewed my insurance, and there is no mention of the speeding ticket, and no rate increase. I even checked
my driving records and no points were taken off. Of course, I did pay about $170 when I mailed in my fine for the ticket
(didn't want to bother going to court) but other than that, no insurance hike, no mention of the ticket on the insurance,
and no points taken off my driving record at the DMV. I realize this is YMMV, and it probably doesn't work like this most of the time. I guess I just got lucky in time
for Christmas. As many of you pointed out in the previous post, the misspelled name should not have mattered because
there was other data like license plate number, etc. But I seem to be fine. Also I'm sure this is not a processing delay
because I pleaded guilty to the ticket more than a couple months ago, yet my insurance and driving record are unchanged.
I guess sometimes we just get lucky, Merry Christmas everyone!
Possible recourse for a horrible Southwest Experience?
Added on : Monday December 24th 2012 02:01:43 PM
Okay so I'm not one to complain much about airlines since I know it usually isn't the ground staff's fault. But I had a pretty horrible experience the other day.Was flying to LGA from Cleveland with a connection in Baltimore. Flight was for 6:15 and we ended up boarding at 6:45. Plane didn't take off until 10:45. Yup, 4 hours onboard while still on the tarmac. At one point they had to take us back to the gate because we ran low on fuel while hanging out on the tarmac. Finally got to BWI at 11:45 or so and my second flight had left. Terribly rude ground staff girl said they could only give me 29 dollars in southwest credit. I said I would talk to a manager who gave me 100 dollar voucher. I found out that there was a flight to Newark in 15 minutes so I ran to the gate and was unable to get on that flight. To make matters worse, they took my voucher back and said I needed to go to the check in area to get another one. By the time I got there, it was already closed. They said I needed to come back after 4 to claim it. Only problem was, was that my only was to make the interview was to take Amtrak from BWI at 3:40 AM. My question: has anyone ever had an experience like this? What possible recourse do I have for something like this? I know delays happen but 4 hours on the tarmac? I took it all in stride and eventually got to my interview on time through the help of some friends/family in the NY area. Thanks for the help.
Die Hard 12ft. - 175A - 8 Gauge Booster Cable $14.99 ( Reg Price: $34.99 ) Store Pick Up @ Kmart
Added on : Monday December 24th 2012 10:00:11 AM
Die Hard 12ft. - 175A - 8 Gauge Booster Cable http://www.kmart.com/shc/s/p_10151_10104_082W004294283001P8 Gauge Booster Cable Helps You Jump Start Your Car
12ft. Booster Cable from Die Hard provides you with what you need to jump start your car or truck. When your battery needs a jump start, you want to have a booster cable that you can rely on to get your vehicle started and you back on the road. This yellow and black booster cable has 8 gauge copper clad aluminum wire that is combined with a terminal biting jaw design to provide excellent quality and performance.
8 Gauge Booster Cable is 175 amp rated and 12 feet long for maximum convenience. It performs well in front-to-front hookups for vehicle jump starting. No matter what the weather is like, this booster cable can help get your vehicle up and running again. The biting jaw design features a copper plated jaw that is designed to offer you the best conductivity and power transfer. The terminal biting clamps also include a heavy duty spring to give you vise-like griping power. 12ft. Booster Cable is a great length for front-to-front hookup availability.
The standard amp handling power easily handles 175 amps.
Terminal biting clamps and heavy duty spring are combined for a vice-like grip.
Jaws are copper plated to offer the best conductivity and power transfer available.
Polarity identification is easy with these color coded cables so that you can quickly get the job done.
Vinyl coated clamps are protected against rust and corrosion and designed to last.
The 8 gauge copper clad aluminum wire provides excellent performance every time.
Kmart.com Coupons
12ft. Booster Cable from Die Hard provides you with what you need to jump start your car or truck. When your battery needs a jump start, you want to have a booster cable that you can rely on to get your vehicle started and you back on the road. This yellow and black booster cable has 8 gauge copper clad aluminum wire that is combined with a terminal biting jaw design to provide excellent quality and performance.
8 Gauge Booster Cable is 175 amp rated and 12 feet long for maximum convenience. It performs well in front-to-front hookups for vehicle jump starting. No matter what the weather is like, this booster cable can help get your vehicle up and running again. The biting jaw design features a copper plated jaw that is designed to offer you the best conductivity and power transfer. The terminal biting clamps also include a heavy duty spring to give you vise-like griping power. 12ft. Booster Cable is a great length for front-to-front hookup availability.
The standard amp handling power easily handles 175 amps.
Terminal biting clamps and heavy duty spring are combined for a vice-like grip.
Jaws are copper plated to offer the best conductivity and power transfer available.
Polarity identification is easy with these color coded cables so that you can quickly get the job done.
Vinyl coated clamps are protected against rust and corrosion and designed to last.
The 8 gauge copper clad aluminum wire provides excellent performance every time.
Kmart.com Coupons
Die Hard 12ft. - 175A - 8 Gauge Booster Cable $17.49 ( Reg Price: $34.99 ) Store Pick Up @ Kmart
Added on : Monday December 24th 2012 01:00:04 AM
Die Hard 12ft. - 175A - 8 Gauge Booster Cable http://www.kmart.com/shc/s/p_10151_10104_082W004294283001P8 Gauge Booster Cable Helps You Jump Start Your Car
12ft. Booster Cable from Die Hard provides you with what you need to jump start your car or truck. When your battery needs a jump start, you want to have a booster cable that you can rely on to get your vehicle started and you back on the road. This yellow and black booster cable has 8 gauge copper clad aluminum wire that is combined with a terminal biting jaw design to provide excellent quality and performance.
8 Gauge Booster Cable is 175 amp rated and 12 feet long for maximum convenience. It performs well in front-to-front hookups for vehicle jump starting. No matter what the weather is like, this booster cable can help get your vehicle up and running again. The biting jaw design features a copper plated jaw that is designed to offer you the best conductivity and power transfer. The terminal biting clamps also include a heavy duty spring to give you vise-like griping power. 12ft. Booster Cable is a great length for front-to-front hookup availability.
The standard amp handling power easily handles 175 amps.
Terminal biting clamps and heavy duty spring are combined for a vice-like grip.
Jaws are copper plated to offer the best conductivity and power transfer available.
Polarity identification is easy with these color coded cables so that you can quickly get the job done.
Vinyl coated clamps are protected against rust and corrosion and designed to last.
The 8 gauge copper clad aluminum wire provides excellent performance every time.
Kmart.com Coupons
12ft. Booster Cable from Die Hard provides you with what you need to jump start your car or truck. When your battery needs a jump start, you want to have a booster cable that you can rely on to get your vehicle started and you back on the road. This yellow and black booster cable has 8 gauge copper clad aluminum wire that is combined with a terminal biting jaw design to provide excellent quality and performance.
8 Gauge Booster Cable is 175 amp rated and 12 feet long for maximum convenience. It performs well in front-to-front hookups for vehicle jump starting. No matter what the weather is like, this booster cable can help get your vehicle up and running again. The biting jaw design features a copper plated jaw that is designed to offer you the best conductivity and power transfer. The terminal biting clamps also include a heavy duty spring to give you vise-like griping power. 12ft. Booster Cable is a great length for front-to-front hookup availability.
The standard amp handling power easily handles 175 amps.
Terminal biting clamps and heavy duty spring are combined for a vice-like grip.
Jaws are copper plated to offer the best conductivity and power transfer available.
Polarity identification is easy with these color coded cables so that you can quickly get the job done.
Vinyl coated clamps are protected against rust and corrosion and designed to last.
The 8 gauge copper clad aluminum wire provides excellent performance every time.
Kmart.com Coupons
Oakley Women's Fringe Sunglasses $43.99 @ Altrechttp://outlet.altrec.com/odat/FS on $48+The classic cat-eye has been revamped and made modern with the Oakley Women's Fringe Sunglasses. These chic and stylish glasses feature a lightweight O MATTER frame with a comfortable Three-Point Fit to hold the lenses in precise alignment. Day after day, your eyes will thank you for great peripheral vision via 6 base lens curvature and PLUTONITE lens material that filters out 100% of UVA / UVB / UVC and harmful blue light up to 400nm. Fresh and cool, the Oakley Fringe Sunglasses for women are made for days spent in the sun. Optimized peripheral vision 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
Available with Oakley prescription lenses (+2.00 through -4.00 combined power)
Durability and all-day comfort of lightweight, stress-resistant O MATTER frame material
Comfort and performance of Three-Point Fit that holds lenses in precise optical alignment
Metal icon
Convenience and styling of exclusive women's eyewear case (included)
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
Available with Oakley prescription lenses (+2.00 through -4.00 combined power)
Durability and all-day comfort of lightweight, stress-resistant O MATTER frame material
Comfort and performance of Three-Point Fit that holds lenses in precise optical alignment
Metal icon
Convenience and styling of exclusive women's eyewear case (included)
Office Depot FAR software for the week of 12/23/2012 (at least a little something)
Added on : Friday December 21st 2012 12:00:06 AM
Office Depot FAR software for the week of 12/23/2012
AVG Internet Security 2013 For 1 PC
Item #331-684
FREE After $20 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $49.99Trend Micro Titanium Maximum Security For 3 PCs
Item #220-795
FREE After $45 Mfr. Mail-In & $45 Mfr. Current User Upgrade Mail-In Savings
In Store Price $89.99iolo Drive Scrubber
Item #388-950
FREE After $3 Instant, $20 Mfr. Mail-In & $10 Mfr Current User Upgrade Mail-In Savings
In Store Price $29.99iolo System Mechanic PC TotalCare
Item #314-637
FREE After $30 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $59.99Avanquest Fix-It Utilities 12 Professional
Item #494-266
FREE After $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $39.99Avanquest System Suite 12 Professional
Item #494-797
$2.99 After $30 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $52.99Avanquest WebEasy 8 Professional
Item #485-613
$4.99 After $45 in (2) Mfr. Mail-In Savings
In Store Price $49.99McAfee Total Protection 2013
Item #830-743
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
In Store Price $51.99====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
AVG Internet Security 2013 For 1 PC
Item #331-684
FREE After $20 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $49.99Trend Micro Titanium Maximum Security For 3 PCs
Item #220-795
FREE After $45 Mfr. Mail-In & $45 Mfr. Current User Upgrade Mail-In Savings
In Store Price $89.99iolo Drive Scrubber
Item #388-950
FREE After $3 Instant, $20 Mfr. Mail-In & $10 Mfr Current User Upgrade Mail-In Savings
In Store Price $29.99iolo System Mechanic PC TotalCare
Item #314-637
FREE After $30 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $59.99Avanquest Fix-It Utilities 12 Professional
Item #494-266
FREE After $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $39.99Avanquest System Suite 12 Professional
Item #494-797
$2.99 After $30 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $52.99Avanquest WebEasy 8 Professional
Item #485-613
$4.99 After $45 in (2) Mfr. Mail-In Savings
In Store Price $49.99McAfee Total Protection 2013
Item #830-743
$7.99 After $8 Instant & $44 Mfr. Mail-In Savings
In Store Price $51.99====================****ALERT ON McAfee REBATES****McAfee 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. LINK
--- 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.====================The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK====================
Office Depot Coupons
Free non-erotic English-language e-books for Kindle Cloud Reader, 2012-12-20
Added on : Thursday December 20th 2012 02:00:45 PM
Reposting without the erotic e-books. These should all be readable even if you don't have a Kindle or even a Kindle app.1000 Interesting Facts: Fun Facts to Kill Some Time and Have Fun with Your Family
30 Paleo Chiken Recipes - Simple and Easy Paleo Chicken Recipes
(adult title deleted)
A Grim Noel
A Letter to Noah
(adult title deleted)
A Second Chance
A-Z Book of Animal Devotions
Accountants: Stories From People Who've Done It (Careers 101 Kindle Book Series)
Adam Born of Stars: Voyage 1 - Lost at Galaxy's End
Adam and Eve (Conversations Through the Pages - Old Testament)
Always the Designer, Never the Bride: An Emma Rae Creation
Always the Wedding Planner, Never the Bride: An Emma Rae Creation
Top 35 Amazing Cakes Recipes for the Whole Family (The Best New Year's Eve Recipes)
How To Make Amazing Money Writing Articles From Home!
An Englishwoman's Guide to the Cowboy
(adult title deleted)
Angel Fire: The First Book of Fallen Angels
Andy and the Angry Dragon (Bedtime Story Book 1)
99 Answers to Questions about Angels, Demons, and Spiritual Warfare (Second Edition)
As An Angel Might Sleep: Never Turn Away
Asset Protection
Basic Astronomy Concepts Everyone Should Know (With Space Photos)
Attila's Lost Gold
BEHOLD A PALE LIZARD (Wake Up And Smell The Reptiles! Series)
BRITISH POUNDS STERLING, Vol. 7-7.2
Bartholomew (Fells Point Private Investigator Series)
Battered Nation Syndrome
Beatitudes: How to Live a Blessed Life (Daily-Bible-Reading Series)
Beauty and the Beast
Beginner Database Design Using Microsoft SQL Server
Biblical Foundations for the Cell-Based Church
How to Get Rich in the Billion Dollar Info Market without the Gimmicks, Tricks or Fine Print
Black Cow
Brain Spanking - Volume II:
Brian's Here: First Tale from the Hotel Central (Tales from the Hotel Central)
Bridging the Gap from Broke to Success
Kanban, The Kanban guide, For the Business, Agile Project Manager, Scrum Master, Product Owner and Development Support Team
Buy And Sell Gold
Cabernet Sauvignon: Beginners Guide to Wine (101 Publishing: Wine Series)
Captain James Hook and the Curse of Peter Pan
50 Low Carb Brown Bag Lunch Recipes : Easy To Follow & Less Than 30g of Carbohydrates Per Serving (The Green Gourmet)
Carried Away (The FitzRam Family Medieval Romance Series)
The Cartographer ~ 1492 (The Jewish History Novel Series)
Cat secrets
The Dance of the Caterpillars Bilingual Korean English
Chasing Nikki (Chasing Nikki #1)
Chausie Lynx: Screenwriter
Keep Your Child Out Of The School Bully's Target Zone
Christopher and Columbus
From My Slow Cooker To Yours (Slow Cooker Recipes From Dinner To Dessert)
Cookies (Scrumptious Cookies)
Cool and collected Poems - Complete poetry in English
How To Cope..with life (Terry Talks Series)
1,000 Creative Writing Prompts for Seasons: Ideas for Blogs, Scripts, Stories and More
Cynic, Surfer, Saint (Scenic Route to Paradise #1)
Declare Your Life! Rhyming Affirmations For An Unlimited Life
Deep
The Definitive Guide to List Building
Dinner in a Flash (Fast Food From Home)
Dog Next Door, The: And Other Stories of the Dogs We Love
Dog Secrets
Double Trouble
Dreamhackers Vol.1 (Comic Book Graphic Novel)
Dreamhackers Vol.1 (French edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (German edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (Italian edition) (Comic Book Graphic Novel)
Dreams of Steam II Brass and Bolts
(adult title deleted)
Easy to Use Sales Questions
The Effective Business Email Writing Formula in 7 Easy Steps (EasySteps Business English)
El Marsam Cookbook: An Umbrian Farmhouse and its Kitchen
Emprise (The Stream #3)
Energy for Your Life: Think Positive - Ideas You Can Use Daily - Readings, Affirmations & Journal Ideas - One Idea a Day f...
Enzo Flashfire: The Birth Of Spyridon Five (The Spyridon Five)
Every Woman's Hero
Executive MBA Guide to Global Strategy and Strategic Planning
Exotic Animal Guide - Different Types of Sharks
The Expectant Geek's Guide to Boy Baby Names - 26 Names Your Wife Won't Let You Use for Your Son
Secrets of Extraordinary Salads... Fantastic Salad the Most Diverse Dish in the World (Big, Bold and Delicious Recipe Series)
FREE Business Plan Review - How to obtain a savvy review of your business plan or executive summary free of charge
FURIES : An Ancient Alexandrian Thriller
Fairys Of The Rainforest (The Fairy Clan Chronicles)
Play Fast! Win Big! What You Can Learn from the Fastest Team In College Football, The Oregon Ducks.
Fighting Temptation
The Final Appearance of America's Favorite Girl Next Door
Finding Rebecca: A Novel of Love and the Holocaust
First World Problems: 101 Reasons Why The Terrorists Hate Us
Fishing in Brains for an Eye with Teeth (Thirteen Tales of Terror)
From Belfast to St. Joe: 1838
Fruit Is Not Dessert: Rich Low-Calorie Desserts (Scrumptious Low-Calorie Recipes Cookbook)
Fulfillment of the Cups: Memorize All Cups Cards in Tarot (Article)
GHOST OF A CHANCE (The Ghost Series)
Gamingtology: Freedom is having your own Journey
Genetically Modified Foods vs. Sustainability
Get Inspired. Get Thinking - Intro copy (Get Inspired. Get Thinking.)
Getting Started with the iPhone for
[L=Ghost Stories [Illustrated]]http://www.amazon.com/Ghost-Stories-Illustrated-ebook/dp/B006B0R...[/L]
Gift Horse: When Death Teaches Perspective
Gifts from the Grandmothers (The Wisdomkeeper Collection)
(adult title deleted)
Glaziers: Stories From People Who've Done It (Careers 101 Kindle Book Series)
The Green Gourmet Perfect Cup Of Tea Book : Tea History & Culture, Teas of the World, Growth & Processing, Blending & Grad...
Lie Down in Green Pastures (The Psalm 23 Mysteries #3)
Gumption: The Salvation of Detective Billy Pomerloy
HORN OF PLENTY - The Cornucopia of Your Life
HOW TO QUALIFY FOR A MORTGAGE LOAN
Half of a Life - A Collection of Drawings
How to Have Your Chocolate and Lose Weight Too! (The Diva Body System)
Heku (The Heku Series)
Hero For Christ: 30 Ways You Can Be More Like Mother Teresa, Martin Luther King Jr., and Twenty More World Changing Christ...
Highland Fling
Home Health Aides: Stories From People Who've Done It: A candid look at a growing industry from education and experience r...
Homemade Christmas gift Ideas: Delicious Candy Arrangements
House of Matches
How to Buy a Fish? A Lesson
How to Do an Agenda: The Quickie Guide (The Quickie Guides)
How to Use Facebook Business Pages
How to Be Motivated: A Blueprint for Increasing Your Motivation (The Personal Transformation Project: Part 1 How to Feel A...
How to Overcome Envy and Jealousy
How to do Requirements for your Project
How To Make Fireworks
HowTo Cope...with life
Huachuca Woman
Human Biology - Lives of Cells
My Human Condition: Work's Exertions & Inspirations: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poe...
Implementation of the Wands: Memorize All Wands Cards in Tarot (Article)
Import Anything From China
27 Most Important Health Questions about Prostate Health: Mainstream, Complementary and Nutritional Answers (27 Most Impor...
Internet Marketing Strategy - For Income, Influence and Impact - Turn Your Passions into Income Online! (Web Marketing, Sm...
Introducing Sara Green
It's Party Time
Japanize Your Amazon Business. Utilize the Power of FBA to Sell Your Products in Japan.
Jennifer's Book of Poetry
Jerusalem Artichoke: Production and Marketing
Jesus Has Arrived: Pre-Rapture, 21st Century
Jesus, Mary, Lazarus, and Child : The Great Secret of the Fourth Gospel
Johnny Came Home (A John Lazarus Adventure)
I Know You Will Find Me
LIZARDS RULE OUR PLANET (Wake Up And Smell The Reptiles! Series)
Lancelot's Lady
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1750
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1749
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1751
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1752
The Lion Vrie (The White Lion Chronicles)
Lives Interrupted
Top 10 Tips To Making Money On eBay (Vanessa Deighton - eBay Guides)
How to Save Money and Still Have FUN- The Easy Way to Learn Money Management and Obtain Financial Freedom
A Marriage Story: Some Marriages are Different from Others.
10 Mexican Style Slow Cooker Recipes
7 Minute Slow Cooker Recipes: For People With No Damn Time to Cook!
Mission: Explore Food (Mission Explore)
Montana by the Numbers - Important and Curious numbers about Montana and her cities (States by the Numbers)
Morning Glory - A Novelette
Moscato: Beginners Guide to Wine (101 Publishing: Wine Series)
Motherhood?! How to Survive and Thrive After Your First Pregnancy
Mouthwatering Side Dishes From Il Bel Paese (Italian Cuisine)
Murphy at Law: The Power of Negative Thinking
My Creative Writing
My Human Condition: Life's Trials & Delights: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poetry)
The Newborn Vampire (Vampire Romance Novels #1)
The Night Kit Blew Up the Eggs. And Died.
Noahs Nuclear Niche - Romantic Fantasy Comedy
The Office Idiot Reviews (A laugh out loud comedy book)
One Chance: A Powerful Romantic Suspense Thriller About Family, Friendship, Love, Honor, and Courage.
25 One Pot Meals For Vegetarians - Quick and Easy Dishes You Can Prepare Everyday (Vegetarian Cookbook and Vegetarian Reci...
Paige's Doll-a prequel to Le Twins Wife Series (Prequels to Le Twins Wife Series)
Paul Prescott's Charge
Paul's First Letter to the Corinthians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Paul's Letter to the Philippians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Piercing the Darkness: Undercover with Vampires in America Today
Poison in the Shadows (Crimson Murder Mysteries)
Political Ideals
Pollyanna
How to Pass Professional Designation Exams without Completely Ignoring Your Family
Prosperity Promises: What the Bible says about Wealth, Success, Money And Prosperity
Public School Domestic Science
Pumpkins Aren't Just For Halloween and Other Outlandish Ideas, Recipes and Stories (Easy Cheap Comfort Eats)
What's Your Purple Goldfish? How to Win Customers and Influence Word of Mouth
Put Your Idea on the Shelf
Quick and Easy Breakfast Recipes For One
Quicklet on Eric Weiner's The Geography of Bliss
The Rebel Flag Serial Killer: Book One: Death Row.
The Rebel Who Rose From The Dead. (The Rebel Who...)
Record Collecting in the Digital age
Reign of Silence
Religions of the World: The History of Buddhism
Report on Surgery to the Santa Clara County Medical Society
Rethinking Retirement -How to create the life you want without waiting to retire
Rich Man's Coffin
At Road's End (Pre-Aztec Series, Book 1)
How QR Codes Are Rockin' Businesses Online And Offline
Romy's Garden Adventures (Christmas City)
Lady Rosamond's Secret A Romance of Fredericton
Roses in Winter
Rough Living: Tips and Tales of a Vagabond
Run Away
SEAL Endeavor (SEAL Brotherhood)
STANLEY'S
Sabor Latino: Flavors from Cuba, Mexico & Spain
30 Savory Scrumptious Seafood Dips
Sea to Eternity: Treasury of Inspirational Poetry
Search for the Bark Warwick (Warwick Saga)
What Is The Secret of Gratitude?-How to Attain an Attitude of Gratitude (What Is?)
Seed of Avraham - The 4000 Year History of the Jewish Family
Selma at 4 A.M.
Shades of Gray: A Novel of the Civil War in Virginia
Shear Terror (Wool Fanfiction)
25 Simple Casserole Recipes for Any Occasion
Simple Spiritual Solution: How to Create Happiness and Health
Simply Delicious Vegetable Soups
Slow Cooker Meals (Working Mom Easy Slow Cooker Meals)
(adult title deleted)
(adult title deleted)
Is SMO the New SEO? The Rise of Social Media Optimization (Social Caffeine)
Soup and Stew Recipes
Mama's Southern Cookbook-28 Old Fashioned Cake Recipes From Scratch
Star Force: Inception (SF1)
Still Chattel After All These Years (Still Chattel Collection)
(adult title deleted)
(adult title deleted)
Story Design: Storyteller's Handbook for Writers and Dream Merchants
Stressed Out Moms' Devotions to Go
Struggles
60 Top Tips for Successful Freelancing (Business Matters)
Superfoods And Their Benefits
Healthy Secrets Superfoods Recipes (Incredibly Healthy & Delicious Collection)
Surviving Unemployment Devotions to Go
Swan Place
Sweet Tooth Diva Devotions to Go
Switch!
Tales of Occult Horror: Real-life Encounters with the Supernatural
Taste of Korean Food and Thought
The Abduction of Mary Rose
The Assassins Code (The Assassins Journey)
The Book of Joseph
The Call of Zulina: Book One in Grace in Africa
The Confessions of Queen Cinderella
The Dropshipping Guide: How to Start Your Dropshipping Business Without the Learning Curve
The Ganesha Keystone
The 10 Habits of Successful Writers
The Hedgehog Princess
The History of Napoleon Buonaparte
The Homemade Cook: Homemade French Sauces - Quick & Easy Dinner Sauces and Recipes to make any meal lip-smacking
The Hope of Shridula: Blessings in India Book #2
The Incubus
The KKK Coincidence: A True Story
The Kincaids
The Lady Luna Wicca 4 in 1
The Life of a Colonial Fugitive
The Loch Lass: The Discs of Caledonia Highlander Romance Series Part I
The Lost Ark
The Lost Canvas
The Nigerian Tragedy
The Pastor's Pen: Eating from the Tree of Life
The Pattern & The Glory
The Poetry of Seraena
The Race for Money: Investment Ideas
The Shopping Swap
The Star of Christmas
The T.A.S.S.L.E. Plan
The Texicans
The Ticket
The Tube Riders
The Twilight Years - book 2, the twilight years
The Wooden Box (The Goode Family)
The Woods of Smyrna
30 Things You Should & 30 Things You Should Not Be Doing To Yourself
Thirty Seven Ideas For Tactical Managers*: *Improve Your Project and Process Management Skills!
This Time You Lose
Thoughts of A Common American: I've Had Enough!
Time Management: A Holistic Approach
Top Tips for How to Publish and Market Your Book in the Age of Amazon: 3 Top Tips Books in 1
30 Paleo Chiken Recipes - Simple and Easy Paleo Chicken Recipes
(adult title deleted)
A Grim Noel
A Letter to Noah
(adult title deleted)
A Second Chance
A-Z Book of Animal Devotions
Accountants: Stories From People Who've Done It (Careers 101 Kindle Book Series)
Adam Born of Stars: Voyage 1 - Lost at Galaxy's End
Adam and Eve (Conversations Through the Pages - Old Testament)
Always the Designer, Never the Bride: An Emma Rae Creation
Always the Wedding Planner, Never the Bride: An Emma Rae Creation
Top 35 Amazing Cakes Recipes for the Whole Family (The Best New Year's Eve Recipes)
How To Make Amazing Money Writing Articles From Home!
An Englishwoman's Guide to the Cowboy
(adult title deleted)
Angel Fire: The First Book of Fallen Angels
Andy and the Angry Dragon (Bedtime Story Book 1)
99 Answers to Questions about Angels, Demons, and Spiritual Warfare (Second Edition)
As An Angel Might Sleep: Never Turn Away
Asset Protection
Basic Astronomy Concepts Everyone Should Know (With Space Photos)
Attila's Lost Gold
BEHOLD A PALE LIZARD (Wake Up And Smell The Reptiles! Series)
BRITISH POUNDS STERLING, Vol. 7-7.2
Bartholomew (Fells Point Private Investigator Series)
Battered Nation Syndrome
Beatitudes: How to Live a Blessed Life (Daily-Bible-Reading Series)
Beauty and the Beast
Beginner Database Design Using Microsoft SQL Server
Biblical Foundations for the Cell-Based Church
How to Get Rich in the Billion Dollar Info Market without the Gimmicks, Tricks or Fine Print
Black Cow
Brain Spanking - Volume II:
Brian's Here: First Tale from the Hotel Central (Tales from the Hotel Central)
Bridging the Gap from Broke to Success
Kanban, The Kanban guide, For the Business, Agile Project Manager, Scrum Master, Product Owner and Development Support Team
Buy And Sell Gold
Cabernet Sauvignon: Beginners Guide to Wine (101 Publishing: Wine Series)
Captain James Hook and the Curse of Peter Pan
50 Low Carb Brown Bag Lunch Recipes : Easy To Follow & Less Than 30g of Carbohydrates Per Serving (The Green Gourmet)
Carried Away (The FitzRam Family Medieval Romance Series)
The Cartographer ~ 1492 (The Jewish History Novel Series)
Cat secrets
The Dance of the Caterpillars Bilingual Korean English
Chasing Nikki (Chasing Nikki #1)
Chausie Lynx: Screenwriter
Keep Your Child Out Of The School Bully's Target Zone
Christopher and Columbus
From My Slow Cooker To Yours (Slow Cooker Recipes From Dinner To Dessert)
Cookies (Scrumptious Cookies)
Cool and collected Poems - Complete poetry in English
How To Cope..with life (Terry Talks Series)
1,000 Creative Writing Prompts for Seasons: Ideas for Blogs, Scripts, Stories and More
Cynic, Surfer, Saint (Scenic Route to Paradise #1)
Declare Your Life! Rhyming Affirmations For An Unlimited Life
Deep
The Definitive Guide to List Building
Dinner in a Flash (Fast Food From Home)
Dog Next Door, The: And Other Stories of the Dogs We Love
Dog Secrets
Double Trouble
Dreamhackers Vol.1 (Comic Book Graphic Novel)
Dreamhackers Vol.1 (French edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (German edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (Italian edition) (Comic Book Graphic Novel)
Dreams of Steam II Brass and Bolts
(adult title deleted)
Easy to Use Sales Questions
The Effective Business Email Writing Formula in 7 Easy Steps (EasySteps Business English)
El Marsam Cookbook: An Umbrian Farmhouse and its Kitchen
Emprise (The Stream #3)
Energy for Your Life: Think Positive - Ideas You Can Use Daily - Readings, Affirmations & Journal Ideas - One Idea a Day f...
Enzo Flashfire: The Birth Of Spyridon Five (The Spyridon Five)
Every Woman's Hero
Executive MBA Guide to Global Strategy and Strategic Planning
Exotic Animal Guide - Different Types of Sharks
The Expectant Geek's Guide to Boy Baby Names - 26 Names Your Wife Won't Let You Use for Your Son
Secrets of Extraordinary Salads... Fantastic Salad the Most Diverse Dish in the World (Big, Bold and Delicious Recipe Series)
FREE Business Plan Review - How to obtain a savvy review of your business plan or executive summary free of charge
FURIES : An Ancient Alexandrian Thriller
Fairys Of The Rainforest (The Fairy Clan Chronicles)
Play Fast! Win Big! What You Can Learn from the Fastest Team In College Football, The Oregon Ducks.
Fighting Temptation
The Final Appearance of America's Favorite Girl Next Door
Finding Rebecca: A Novel of Love and the Holocaust
First World Problems: 101 Reasons Why The Terrorists Hate Us
Fishing in Brains for an Eye with Teeth (Thirteen Tales of Terror)
From Belfast to St. Joe: 1838
Fruit Is Not Dessert: Rich Low-Calorie Desserts (Scrumptious Low-Calorie Recipes Cookbook)
Fulfillment of the Cups: Memorize All Cups Cards in Tarot (Article)
GHOST OF A CHANCE (The Ghost Series)
Gamingtology: Freedom is having your own Journey
Genetically Modified Foods vs. Sustainability
Get Inspired. Get Thinking - Intro copy (Get Inspired. Get Thinking.)
Getting Started with the iPhone for
[L=Ghost Stories [Illustrated]]http://www.amazon.com/Ghost-Stories-Illustrated-ebook/dp/B006B0R...[/L]
Gift Horse: When Death Teaches Perspective
Gifts from the Grandmothers (The Wisdomkeeper Collection)
(adult title deleted)
Glaziers: Stories From People Who've Done It (Careers 101 Kindle Book Series)
The Green Gourmet Perfect Cup Of Tea Book : Tea History & Culture, Teas of the World, Growth & Processing, Blending & Grad...
Lie Down in Green Pastures (The Psalm 23 Mysteries #3)
Gumption: The Salvation of Detective Billy Pomerloy
HORN OF PLENTY - The Cornucopia of Your Life
HOW TO QUALIFY FOR A MORTGAGE LOAN
Half of a Life - A Collection of Drawings
How to Have Your Chocolate and Lose Weight Too! (The Diva Body System)
Heku (The Heku Series)
Hero For Christ: 30 Ways You Can Be More Like Mother Teresa, Martin Luther King Jr., and Twenty More World Changing Christ...
Highland Fling
Home Health Aides: Stories From People Who've Done It: A candid look at a growing industry from education and experience r...
Homemade Christmas gift Ideas: Delicious Candy Arrangements
House of Matches
How to Buy a Fish? A Lesson
How to Do an Agenda: The Quickie Guide (The Quickie Guides)
How to Use Facebook Business Pages
How to Be Motivated: A Blueprint for Increasing Your Motivation (The Personal Transformation Project: Part 1 How to Feel A...
How to Overcome Envy and Jealousy
How to do Requirements for your Project
How To Make Fireworks
HowTo Cope...with life
Huachuca Woman
Human Biology - Lives of Cells
My Human Condition: Work's Exertions & Inspirations: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poe...
Implementation of the Wands: Memorize All Wands Cards in Tarot (Article)
Import Anything From China
27 Most Important Health Questions about Prostate Health: Mainstream, Complementary and Nutritional Answers (27 Most Impor...
Internet Marketing Strategy - For Income, Influence and Impact - Turn Your Passions into Income Online! (Web Marketing, Sm...
Introducing Sara Green
It's Party Time
Japanize Your Amazon Business. Utilize the Power of FBA to Sell Your Products in Japan.
Jennifer's Book of Poetry
Jerusalem Artichoke: Production and Marketing
Jesus Has Arrived: Pre-Rapture, 21st Century
Jesus, Mary, Lazarus, and Child : The Great Secret of the Fourth Gospel
Johnny Came Home (A John Lazarus Adventure)
I Know You Will Find Me
LIZARDS RULE OUR PLANET (Wake Up And Smell The Reptiles! Series)
Lancelot's Lady
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1750
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1749
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1751
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1752
The Lion Vrie (The White Lion Chronicles)
Lives Interrupted
Top 10 Tips To Making Money On eBay (Vanessa Deighton - eBay Guides)
How to Save Money and Still Have FUN- The Easy Way to Learn Money Management and Obtain Financial Freedom
A Marriage Story: Some Marriages are Different from Others.
10 Mexican Style Slow Cooker Recipes
7 Minute Slow Cooker Recipes: For People With No Damn Time to Cook!
Mission: Explore Food (Mission Explore)
Montana by the Numbers - Important and Curious numbers about Montana and her cities (States by the Numbers)
Morning Glory - A Novelette
Moscato: Beginners Guide to Wine (101 Publishing: Wine Series)
Motherhood?! How to Survive and Thrive After Your First Pregnancy
Mouthwatering Side Dishes From Il Bel Paese (Italian Cuisine)
Murphy at Law: The Power of Negative Thinking
My Creative Writing
My Human Condition: Life's Trials & Delights: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poetry)
The Newborn Vampire (Vampire Romance Novels #1)
The Night Kit Blew Up the Eggs. And Died.
Noahs Nuclear Niche - Romantic Fantasy Comedy
The Office Idiot Reviews (A laugh out loud comedy book)
One Chance: A Powerful Romantic Suspense Thriller About Family, Friendship, Love, Honor, and Courage.
25 One Pot Meals For Vegetarians - Quick and Easy Dishes You Can Prepare Everyday (Vegetarian Cookbook and Vegetarian Reci...
Paige's Doll-a prequel to Le Twins Wife Series (Prequels to Le Twins Wife Series)
Paul Prescott's Charge
Paul's First Letter to the Corinthians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Paul's Letter to the Philippians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Piercing the Darkness: Undercover with Vampires in America Today
Poison in the Shadows (Crimson Murder Mysteries)
Political Ideals
Pollyanna
How to Pass Professional Designation Exams without Completely Ignoring Your Family
Prosperity Promises: What the Bible says about Wealth, Success, Money And Prosperity
Public School Domestic Science
Pumpkins Aren't Just For Halloween and Other Outlandish Ideas, Recipes and Stories (Easy Cheap Comfort Eats)
What's Your Purple Goldfish? How to Win Customers and Influence Word of Mouth
Put Your Idea on the Shelf
Quick and Easy Breakfast Recipes For One
Quicklet on Eric Weiner's The Geography of Bliss
The Rebel Flag Serial Killer: Book One: Death Row.
The Rebel Who Rose From The Dead. (The Rebel Who...)
Record Collecting in the Digital age
Reign of Silence
Religions of the World: The History of Buddhism
Report on Surgery to the Santa Clara County Medical Society
Rethinking Retirement -How to create the life you want without waiting to retire
Rich Man's Coffin
At Road's End (Pre-Aztec Series, Book 1)
How QR Codes Are Rockin' Businesses Online And Offline
Romy's Garden Adventures (Christmas City)
Lady Rosamond's Secret A Romance of Fredericton
Roses in Winter
Rough Living: Tips and Tales of a Vagabond
Run Away
SEAL Endeavor (SEAL Brotherhood)
STANLEY'S
Sabor Latino: Flavors from Cuba, Mexico & Spain
30 Savory Scrumptious Seafood Dips
Sea to Eternity: Treasury of Inspirational Poetry
Search for the Bark Warwick (Warwick Saga)
What Is The Secret of Gratitude?-How to Attain an Attitude of Gratitude (What Is?)
Seed of Avraham - The 4000 Year History of the Jewish Family
Selma at 4 A.M.
Shades of Gray: A Novel of the Civil War in Virginia
Shear Terror (Wool Fanfiction)
25 Simple Casserole Recipes for Any Occasion
Simple Spiritual Solution: How to Create Happiness and Health
Simply Delicious Vegetable Soups
Slow Cooker Meals (Working Mom Easy Slow Cooker Meals)
(adult title deleted)
(adult title deleted)
Is SMO the New SEO? The Rise of Social Media Optimization (Social Caffeine)
Soup and Stew Recipes
Mama's Southern Cookbook-28 Old Fashioned Cake Recipes From Scratch
Star Force: Inception (SF1)
Still Chattel After All These Years (Still Chattel Collection)
(adult title deleted)
(adult title deleted)
Story Design: Storyteller's Handbook for Writers and Dream Merchants
Stressed Out Moms' Devotions to Go
Struggles
60 Top Tips for Successful Freelancing (Business Matters)
Superfoods And Their Benefits
Healthy Secrets Superfoods Recipes (Incredibly Healthy & Delicious Collection)
Surviving Unemployment Devotions to Go
Swan Place
Sweet Tooth Diva Devotions to Go
Switch!
Tales of Occult Horror: Real-life Encounters with the Supernatural
Taste of Korean Food and Thought
The Abduction of Mary Rose
The Assassins Code (The Assassins Journey)
The Book of Joseph
The Call of Zulina: Book One in Grace in Africa
The Confessions of Queen Cinderella
The Dropshipping Guide: How to Start Your Dropshipping Business Without the Learning Curve
The Ganesha Keystone
The 10 Habits of Successful Writers
The Hedgehog Princess
The History of Napoleon Buonaparte
The Homemade Cook: Homemade French Sauces - Quick & Easy Dinner Sauces and Recipes to make any meal lip-smacking
The Hope of Shridula: Blessings in India Book #2
The Incubus
The KKK Coincidence: A True Story
The Kincaids
The Lady Luna Wicca 4 in 1
The Life of a Colonial Fugitive
The Loch Lass: The Discs of Caledonia Highlander Romance Series Part I
The Lost Ark
The Lost Canvas
The Nigerian Tragedy
The Pastor's Pen: Eating from the Tree of Life
The Pattern & The Glory
The Poetry of Seraena
The Race for Money: Investment Ideas
The Shopping Swap
The Star of Christmas
The T.A.S.S.L.E. Plan
The Texicans
The Ticket
The Tube Riders
The Twilight Years - book 2, the twilight years
The Wooden Box (The Goode Family)
The Woods of Smyrna
30 Things You Should & 30 Things You Should Not Be Doing To Yourself
Thirty Seven Ideas For Tactical Managers*: *Improve Your Project and Process Management Skills!
This Time You Lose
Thoughts of A Common American: I've Had Enough!
Time Management: A Holistic Approach
Top Tips for How to Publish and Market Your Book in the Age of Amazon: 3 Top Tips Books in 1
Pure Matters (a vitamin store) - $20 off a purchase of $50 or more & free shipping
Added on : Thursday December 20th 2012 02:00:06 PM
http://www.purematters.com/Promo Code: novthanksJust tested promo code, still works as of 12/20/12.
I had the old fuse panel in my rental unit (triplex) upgraded and the electrician needed to install a new meter box, which included relocating it. (Note, there were multiple places to relocate it to.)The work was done a few months ago without me being able to see it since I'm not in the area. It was signed off by the city and I thought things were good. Now, I had a tenant want to move out and found that where they placed the new meter box significantly blocks the entrance to the unit.The doorway wasn't terribly wide before, but with the meter box there is only about 14-15 in. to pass through. My tenant found she is trapped as she can't move any furniture or larger items through the 14-15 in. gap.First, I called the electrician and they said to get lost because the city signed off on it. I then called the city and they claim it's fully to code and there is nothing they will do. He said it needs 36" in front and 36" to the left of the box and the fact that it's right there in a doorway doesn't matter.I'd like to get input from some online experts if possible. It doesn't seem reasonable that they could sign off on blocking the only entrance to a building in such a manner. It also defies common sense to d this.I've included some pics of the issue. Sorry for the quality, but I had someone living there with a cell phone send them to me.
Kitchen la carte 10-pc. Hard-Anodized Cookware Set $46.99 shipped AFTER ALL OFFERS with Kohls Charge
Added on : Wednesday December 19th 2012 10:00:04 AM
http://www.kohls.com/product/prd-1072564/kitchen-agrave-la-carte...
$56.99 acless $10 Kohl Cash = $47 a/all offers
carte cookware set. With the basic pots and pans you need to prepare all your favorite home-cooked meals, this set is an absolute must-have for every home chef. No matter what's on the menu, this Kitchen la carte set is sure to come in handy.Hard-anodized construction ensures quick and even heat distribution.
Double layer nonstick interiors provide flawless food release and easy cleaning.
Heat-resistant, tempered glass lids lock in moisture and nutrients and allow for uninterrupted viewing.
Riveted ergonomic handles promise a safe, comfortable grip.
Details:
10-piece set includes: 1-qt. covered saucepan, 2-qt. covered saucepan, 3-qt. covered saucepan, 5.2-qt. covered stock pot, 8-in. fry pan & 10-in. fry pan
Hand wash
Manufacturer's 3-year limited warranty
Model no. KOHL-KH-HA-001
Kohl's Coupons
$56.99 acless $10 Kohl Cash = $47 a/all offers
carte cookware set. With the basic pots and pans you need to prepare all your favorite home-cooked meals, this set is an absolute must-have for every home chef. No matter what's on the menu, this Kitchen la carte set is sure to come in handy.Hard-anodized construction ensures quick and even heat distribution.
Double layer nonstick interiors provide flawless food release and easy cleaning.
Heat-resistant, tempered glass lids lock in moisture and nutrients and allow for uninterrupted viewing.
Riveted ergonomic handles promise a safe, comfortable grip.
Details:
10-piece set includes: 1-qt. covered saucepan, 2-qt. covered saucepan, 3-qt. covered saucepan, 5.2-qt. covered stock pot, 8-in. fry pan & 10-in. fry pan
Hand wash
Manufacturer's 3-year limited warranty
Model no. KOHL-KH-HA-001
Kohl's Coupons
Payroll mistake since 2006, Best course of action for Underpaid
Added on : Tuesday December 18th 2012 12:01:14 AM
My cousin is working for a small office setting, and
she's receiving hourly wage.
Recently, a payroll lady told her she was overpaid by fraction of hours.
However, it turns out to be my cousin's favor.For example, Payroll didn't convert minute into fraction of hours,
instead they just multiply minute by hourly wage.- As Is: Hour:Minute * Hour Wage (ex: 24 Hr 30 minute, 24.30* Hr. Wage)
- Should Be: Hour:Minute * (1/60)Minute * Hour Wage (ex: 24 Hr 30min should be 24.50 * Hr Wage)0.2~0.3 Hr discrepancy turns out to be about 2~300 per year.
Since she used to work since 2006, accumulate amount is close to $1200.
She kept all paystub since 2006, so there is record. After she discussed this matter with her boss, it appears entire staff member were underpaid by this way.
Her boss asked Outside Payroll Company to check on it, and
meanwhile he was questioning my cousin why she was holding onto old payroll stub since 2006.
(Like she was waiting for this moment to screw him up)Anyway, this is what he offered:1. Bring Original Paystub, and he will pay discrepant amount.
or
2. Year End Bonus (Don't know how much)My cousin ended up calculating it since 2006,
because she doesn't think her boss would pay her more that what he actually owe.
It appears boss will collect and keep original paystub, and told her to shut her mouth. What would be the right course of action to deal with?
Just get paid and shut her mouth?
I told her to scan the original pay stub in case.
she's receiving hourly wage.
Recently, a payroll lady told her she was overpaid by fraction of hours.
However, it turns out to be my cousin's favor.For example, Payroll didn't convert minute into fraction of hours,
instead they just multiply minute by hourly wage.- As Is: Hour:Minute * Hour Wage (ex: 24 Hr 30 minute, 24.30* Hr. Wage)
- Should Be: Hour:Minute * (1/60)Minute * Hour Wage (ex: 24 Hr 30min should be 24.50 * Hr Wage)0.2~0.3 Hr discrepancy turns out to be about 2~300 per year.
Since she used to work since 2006, accumulate amount is close to $1200.
She kept all paystub since 2006, so there is record. After she discussed this matter with her boss, it appears entire staff member were underpaid by this way.
Her boss asked Outside Payroll Company to check on it, and
meanwhile he was questioning my cousin why she was holding onto old payroll stub since 2006.
(Like she was waiting for this moment to screw him up)Anyway, this is what he offered:1. Bring Original Paystub, and he will pay discrepant amount.
or
2. Year End Bonus (Don't know how much)My cousin ended up calculating it since 2006,
because she doesn't think her boss would pay her more that what he actually owe.
It appears boss will collect and keep original paystub, and told her to shut her mouth. What would be the right course of action to deal with?
Just get paid and shut her mouth?
I told her to scan the original pay stub in case.
Free 4.8 Star (25 Reviews) Kindle Book FranklinCovey Style Guide: For Business and Technical Communication $49.99
Added on : Monday December 17th 2012 12:00:09 PM
FranklinCovey Style Guide: For Business and Technical Communication can help any writer produce documents that achieve outstanding results. Created by FranklinCovey, the world-renowned leader in helping organizations enhance individual effectiveness, this edition fully reflects todays online media and global business challenges. The only style guide used in FranklinCoveys own renowned Writing AdvantageTM and Technical Writing AdvantageTM programs, it covers everything from document design and graphics to sentence style and word choice. This editions many improvements include extensive new coverage of graphics, writing for online media, and international business English. Through dozens of examples and model documents, writers learn how to overcome writers block and efficiently create documents from start to finish. FranklinCoveys experts show how to get powerful results from every email; add distinctiveness and power to any online presence; write far more effective proposals, letters, memos, reports, and resumes; and improve all forms of documentation, from business procedures to highly technical content. Youll learn how to quickly discover and prioritize the information you need, whether youre planning a presentation, leading a meeting, or managing a project. The authors reveal how to design visuals that communicate messages instantly and intuitively, and use charts, color, illustrations, maps, photos, and tables to supercharge any presentation. Packed with up-to-the-minute examples, this A-Z guidebook can help you write more effectively no matter who you are whether youre a business or sales professional who must motivate and persuade, a technical professional who must explain challenging content more clearly and accurately, or a student who needs stronger writing skills to succeed in school and in your career
Text
Amazon Coupons
Text
Amazon Coupons
Foxconn Barebone Nettop AMD E-350 $ 130.00 FS Newegg
Added on : Saturday December 15th 2012 09:00:06 AM
Foxconn nt-A3500-0h0WWAEQB AMD A45 (Hudson D1) 1 x 204Pin AMD Radeon HD 6310 White Mini / Booksize Barebone System
Link AMD A45 (Hudson D1)
AMD E-350 APU (1.6GHz, dual core)
AMD Radeon HD 6310
1 x 204Pin
Cons: HEAT All they need to do is add another fan at the intake side of the box to help push air through. Or do the mod I did. For the bios headache, they really need to add a bios update configuration in the bios.Put a spacer on the bottom of the outside of the unit, right below the processor, the bottom of the unit gets extremely hot, I had it without air space on the bottom of the case.
Other Thoughts: #UPDATE BIOS. I tried the uneboottin and it would not run on the USB (cd error)By accident I might have used the USB3.0 port. Go through the reviews at Newegg and find a link to where you get the HP USB formatter and Win 98 to create a bootable USB then copy updated bios files to usb. That worked for me updating the bios. HEAT, watching videos (using Cyberlink to upscale from 720 video to 1080 P) the temps hovered around 175 F degrees on HDTV. I cut a hole on the cover above the cooling fan and put a Laptop usb fan on top. That dropped the temps down to 145 degrees F running the processor at 100% for 1 hour idle temp is now 112 D F instead of 130 D F. EXCELLENT IMPROVEMENT. I am also going to use brazostweaker to lower the voltage which will drop temps even more. I have used brazostweaker on my HP DM1Z and it dropped temps another 10 degrees F. Also please note: supposedly the wireless was terrible but a review states that the 2 antenna wires were connected the wrong way and all you have to do is switch the connection to correct the problem. When you put in the ram, here is the wireless connections to double check. The external antenna wiring (black) should be on #2. The internal antenna wiring (white) should be on #1. For silverlight and Netflix, Silverlight has a major bug that prevents it from working properly with AMD E350 cpus. It is not a problem with the CPU itself.You have to press shift-ctrl and right click on the silverlight screen. An options menu will appear. Change the buffer size to the lowest number (I believe it is like 250 or something). The default is something like 2000. If you're slow, and it builds up to that level, it can take up to a minute to work.For an HTPC I am very satisfied, I also got the Logitech K400 wireless keyboard with touchpad (I do not know if Amazon still has it for 29 bucs) Also currently Staples has the Logitech wireless mouse with unifying USB plug that works with the K400 keyboard ( so in essence 1 usb plugin to operate keyboard and mouse at Staples Logitech M325 WIRELESS MS Staples Item # 366207 (Reg $29.99 Save- $7.50 Now: $22.49 Instant Savings - $12.50 total $9.99* free ship plus tax. Some mouse colors are sold out but I was able to get the red. The keyboard and mouse usb plug are both unifying plugs. The keyboard is great for surfing on my TV, I just needed a mouse for when I move files around.
Newegg Coupons
Link AMD A45 (Hudson D1)
AMD E-350 APU (1.6GHz, dual core)
AMD Radeon HD 6310
1 x 204Pin
Cons: HEAT All they need to do is add another fan at the intake side of the box to help push air through. Or do the mod I did. For the bios headache, they really need to add a bios update configuration in the bios.Put a spacer on the bottom of the outside of the unit, right below the processor, the bottom of the unit gets extremely hot, I had it without air space on the bottom of the case.
Other Thoughts: #UPDATE BIOS. I tried the uneboottin and it would not run on the USB (cd error)By accident I might have used the USB3.0 port. Go through the reviews at Newegg and find a link to where you get the HP USB formatter and Win 98 to create a bootable USB then copy updated bios files to usb. That worked for me updating the bios. HEAT, watching videos (using Cyberlink to upscale from 720 video to 1080 P) the temps hovered around 175 F degrees on HDTV. I cut a hole on the cover above the cooling fan and put a Laptop usb fan on top. That dropped the temps down to 145 degrees F running the processor at 100% for 1 hour idle temp is now 112 D F instead of 130 D F. EXCELLENT IMPROVEMENT. I am also going to use brazostweaker to lower the voltage which will drop temps even more. I have used brazostweaker on my HP DM1Z and it dropped temps another 10 degrees F. Also please note: supposedly the wireless was terrible but a review states that the 2 antenna wires were connected the wrong way and all you have to do is switch the connection to correct the problem. When you put in the ram, here is the wireless connections to double check. The external antenna wiring (black) should be on #2. The internal antenna wiring (white) should be on #1. For silverlight and Netflix, Silverlight has a major bug that prevents it from working properly with AMD E350 cpus. It is not a problem with the CPU itself.You have to press shift-ctrl and right click on the silverlight screen. An options menu will appear. Change the buffer size to the lowest number (I believe it is like 250 or something). The default is something like 2000. If you're slow, and it builds up to that level, it can take up to a minute to work.For an HTPC I am very satisfied, I also got the Logitech K400 wireless keyboard with touchpad (I do not know if Amazon still has it for 29 bucs) Also currently Staples has the Logitech wireless mouse with unifying USB plug that works with the K400 keyboard ( so in essence 1 usb plugin to operate keyboard and mouse at Staples Logitech M325 WIRELESS MS Staples Item # 366207 (Reg $29.99 Save- $7.50 Now: $22.49 Instant Savings - $12.50 total $9.99* free ship plus tax. Some mouse colors are sold out but I was able to get the red. The keyboard and mouse usb plug are both unifying plugs. The keyboard is great for surfing on my TV, I just needed a mouse for when I move files around.
Newegg Coupons
Soda Stream Jet at Target for $19.99 after PM, $20 Target Gift Cards and $20 Mail in Rebate!
Added on : Friday December 14th 2012 04:00:09 PM
Soda Stream Jet at Target for $19.99 after PM, $20 Target Gift Cards and $20 Mail in Rebate!Ok newbie here so bear with me!!So Best buy has a special for the Soda Stream Jet usually $79.99 for $59.99
http://www.bestbuy.com/site/SodaStream+-+Jet+Soda+Maker+Starter+...You have to add the item to the cart to see this price (which matters because we are going to price match it at Target) so if you were planning to bring a print out you may have to print the cart page and the item page or try printing the screen shot I have here- https://lh6.googleusercontent.com/-b-5Q_NcO3FI/UMuNKbXa-7I/AAAAA...Target SHOULD price match this for you because Bestbuy.com is listed as one of the official retailers they accept for PM, HOWEVER because currently Target is offering a $10 gift card on this item some stores MAY NOT accept the PM because they do have a disclaimer that a gift card offer can't be combined with a PM. Personally I have bought at least 7 of the DSXLs using a price match and got the gift card only 1 time did I get a supervisor that knew better! Here is the Target product link if you need to locate one in a store near you- http://www.target.com/p/sodastream-fountain-jet-black-silver-sod... streamAnd here is another screen shot with the gift card details from Target- https://lh4.googleusercontent.com/-b17YaIqbmeo/UMuOxdHdMSI/AAAAA...You also need to be sure to print out the $10 gift card coupon with any $50 purchase
You can get 2 coupons here- https://lh4.googleusercontent.com/-zL508QqTBGw/UMuRxOMQtGI/AAAAA... (Credit to FW member ButcherBoy for this coupon)And to make this even better Soda Stream is offering a $20 mail in Rebate for any machine purchased in store! http://www.sodastreamusa.com/assets/SodaStream2012_Holiday_Maile... (Credit to SD member mumblez for this link)So in Summary $79.99 Original Price-
$59.99 Best Buy Price Match taken to Target Store
-$10 Target Gift Card (for purchase of Soda Stream)
-$10 Target Gift Card (for Purchase over $50)
-$20 Mail in Rebate$19.99 after everything is said and done!Sorry if that was too detailed of an explanation!
http://www.bestbuy.com/site/SodaStream+-+Jet+Soda+Maker+Starter+...You have to add the item to the cart to see this price (which matters because we are going to price match it at Target) so if you were planning to bring a print out you may have to print the cart page and the item page or try printing the screen shot I have here- https://lh6.googleusercontent.com/-b-5Q_NcO3FI/UMuNKbXa-7I/AAAAA...Target SHOULD price match this for you because Bestbuy.com is listed as one of the official retailers they accept for PM, HOWEVER because currently Target is offering a $10 gift card on this item some stores MAY NOT accept the PM because they do have a disclaimer that a gift card offer can't be combined with a PM. Personally I have bought at least 7 of the DSXLs using a price match and got the gift card only 1 time did I get a supervisor that knew better! Here is the Target product link if you need to locate one in a store near you- http://www.target.com/p/sodastream-fountain-jet-black-silver-sod... streamAnd here is another screen shot with the gift card details from Target- https://lh4.googleusercontent.com/-b17YaIqbmeo/UMuOxdHdMSI/AAAAA...You also need to be sure to print out the $10 gift card coupon with any $50 purchase
You can get 2 coupons here- https://lh4.googleusercontent.com/-zL508QqTBGw/UMuRxOMQtGI/AAAAA... (Credit to FW member ButcherBoy for this coupon)And to make this even better Soda Stream is offering a $20 mail in Rebate for any machine purchased in store! http://www.sodastreamusa.com/assets/SodaStream2012_Holiday_Maile... (Credit to SD member mumblez for this link)So in Summary $79.99 Original Price-
$59.99 Best Buy Price Match taken to Target Store
-$10 Target Gift Card (for purchase of Soda Stream)
-$10 Target Gift Card (for Purchase over $50)
-$20 Mail in Rebate$19.99 after everything is said and done!Sorry if that was too detailed of an explanation!
Please bear with a newbie self employment question.My employer has several contractors, but their payroll is run by some staffing companies, so my employer pays the staffing companies and they in turn pay the contractors. If I want to convert my position from full time to a contractor, and since I will not be going through the staffing companies, do I have to form a company (LLC or S-Corp)? Does it matter where this company is registered? I mean, if I register the company in State A and move to State B, do I have to re-register the company in the new state?Thanks
PNY Technologies 32GB SDHC Professional Series Memory Card Class 10 transfer speed of 20MB/s $26.99 FS
Added on : Thursday December 13th 2012 02:00:08 PM
The 32GB SDHC Memory Card High Speed Class 10 from PNY Technologies is a Class 10 card that has been designed for anyone who needs a reliable and high-speed card for high-end digital still or fast-action HD camcorder use. This card is excellent for use under a wide variety of shooting conditions, subject matter or lighting scenarios.Note! Actual number of photos may vary by camera settings and camera manufacturer. Assumes 409.6MB/hour video capacity is based on 4 minutes per H.264 750-Kbps video combined with 128-Kbps audioCaptures, stores and shares more content faster with a transfer speed of 20MB/s Top-rating of Class 10 Lifetime warranty LINK or here at Amazon.
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So my wife goes to a new doc two weeks ago for a cold in her eyes from an eye bacterial infection. Doc spends about 8 minutes with her and writes her a prescription for antibiotic eye drops and birth control (which she said not to do as her OB takes care of that). We get the explanation of benefits and see that the office billed out the visit as New Patient, 45+ minutes for $300ish. We have a HDHP and get the negotiated rate of $115ish. However looking online (in the estimate health care costs section) I see there are 5 different categories for office visits:
1) New Patient, minimal (5-10 min) - Simple stitch or sunburn - $36
2) New Patient, low (10-20 min) - Acne or Rash - $65
3) New Patient, moderate (20-30 min) - Chronic Skin Ulcer or New Joint Pain - $95
4) New Patient, moderate-high (30-45 min) - Multiple Lung Infections or other Chronic conditions - $138
5) New Patient, high (45-60 min) - Kidney Failure or other Chronic Conditions - $173She got billed for #4 (the doctor was less than the average listed above) for this visit. I cannot see how a simple eye cold fits in anything other than #1 or #2. In addition to the docs 8 minutes, she talked with a med student for 10-15 minutes (who I would think is unpaid) and the physicians assistant for 3-4 minutes. It seems like the office is trying to bill for more time than the doctor spends because 99% of patients just have a copay and could care less. For us, with the HDHP, it matters. I don't really want to us the word fraud but it almost seems like that to me. That said, is the best place to start with the doctors office to get them to recode the visit or my insurance company. While it doesn't impact my insurance company on my bill (I haven't met my deductible so this is all out of pocket for me), it does for all the PPO/HMO/etc type of plans where the insurance is paying out all the money to this doctor while they are over billing visits.Thanks in advance. We haven't had any problems at either my sons ped office or my wifes OB, but this is a new doctor we are having this experience with. The sad part is, my wife really liked the guy and the office. We were actually planning on going back for a blood workup after the start of the year and I was going to go in to see him then as well. Side note, my wife just came in here and asked what she can do differently in the future. When the doc is asking questions what does she do? Is this a doctor issue or a front office billing issue?
1) New Patient, minimal (5-10 min) - Simple stitch or sunburn - $36
2) New Patient, low (10-20 min) - Acne or Rash - $65
3) New Patient, moderate (20-30 min) - Chronic Skin Ulcer or New Joint Pain - $95
4) New Patient, moderate-high (30-45 min) - Multiple Lung Infections or other Chronic conditions - $138
5) New Patient, high (45-60 min) - Kidney Failure or other Chronic Conditions - $173She got billed for #4 (the doctor was less than the average listed above) for this visit. I cannot see how a simple eye cold fits in anything other than #1 or #2. In addition to the docs 8 minutes, she talked with a med student for 10-15 minutes (who I would think is unpaid) and the physicians assistant for 3-4 minutes. It seems like the office is trying to bill for more time than the doctor spends because 99% of patients just have a copay and could care less. For us, with the HDHP, it matters. I don't really want to us the word fraud but it almost seems like that to me. That said, is the best place to start with the doctors office to get them to recode the visit or my insurance company. While it doesn't impact my insurance company on my bill (I haven't met my deductible so this is all out of pocket for me), it does for all the PPO/HMO/etc type of plans where the insurance is paying out all the money to this doctor while they are over billing visits.Thanks in advance. We haven't had any problems at either my sons ped office or my wifes OB, but this is a new doctor we are having this experience with. The sad part is, my wife really liked the guy and the office. We were actually planning on going back for a blood workup after the start of the year and I was going to go in to see him then as well. Side note, my wife just came in here and asked what she can do differently in the future. When the doc is asking questions what does she do? Is this a doctor issue or a front office billing issue?
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All pamper or Huggies Jumbo 2/$20
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Depend Guards for Men $1 (12/29/12) SS 11/18/12
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Colgate total advanced 5.8 oz or Sensitive pro-relief 4 oz
$1 CVS coupon for Total Advanced in the Diabetic Health magazine mailer or online here: http://www.cvs.com/promo/promoLan...cad-member.Tide or Gain liquid 48-64 loads $11.97 get $3 ECB limit 1Pay $4.99 get $3 ECB limit 6
All Revlon NailPay $6.99 get $4 ECB limit 6
Revlon super lustrous or color burst lipBOGO
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Colgate Total Advanced or Whitening 7.6-7.8oz Limit 4
Gold Emblem mixed nuts 10.3oz, almonds 8-10.5oz or cashew halves 8oz Limit 4
Lay's chips 10-10.5oz (excludes Baked) Limit 2
CVS triple size cotton balls 100ct
IDT long distance prepaid phone cards rechargeable in store or by phone (excludes Penny Talk)
CVS Power Flash all purpose camera 27 exposures
Nature Made CoQ10 40-60ct, CholestOff 60-120ct, fish oil 100-180ct or kril oil 60ct Limit 6BOGO50
Designer fragrances with a regular retail of 12.99 Limit 6
ALL Covergirl face, eye or lip Limit (?)
ALL Caliber tape
ALL Milani cosmetics
ALL Almay cosmetics
Essence of Beauty cosmetic brushes, applicators, accessories or fragrances (excludes 2oz trial size)
ALL eyelashes or artificial nails (excludes glue)
ALL L'eggs sheers, leggings, tights, shapewear or foot covers
ALL CeraVe
ALL L'Oreal hair color Limit (?)
Neutrogena grapefruit or blue line cleansers
CVS facial care
ALL RoC skin care
Fx, Organix hair care, body wash, lotion 13oz, body oil 6.8oz (excludes trial/travel size)
Neutrogena shampoo, conditioner 4.4-16oz or treatment 6oz
Shea Moisture hair care 8-12oz
Select CVS brand cold remedies (excludes ExtraBuck offers)
CVS anti-gas, anti-diarrheal or lactose intolerance medications
CVS liquid nutrition or Nutrition Plus 6pk all flavors
ALL i-Caps
Gummy vitamins (excludes CVS brand)
Met-Rx or Pure Protein bars
CVS acetaminophen (excludes PM)
CVS tampons 36-40ct, maxi pads 28-48ct or pantiliners 68-135ct
Select natural sleep aids
Frames or albums
ALL photo books
Photo calendar
Essential Elements reed diffusers 9oz jar candle, 3 wick jar candle or 2oz variety 3pk
CVS cups 20-60ct, cutlery 24-48ct, mapkins 40ct, bowls or plates 16-48ctB2G1
Nestle, Russell Stover, Mars or Hershey's and more Christmas novelty candy .875-5oz
Cadbury bar 3.5-4oz
Hershey's Extra Large bar 4-4.5ozONE DOLLAR OR LESS
Fancy Feast cat food 3oz 10/$6
Select Blistex $.99
CVS facial tissues upright 75-90ct or family size 184ct $.99
Campbells cream soup 10.75oz $.99
Palmolive 10oz $.99 Limit 3Russell Stover, Whitman's, Lindt Lindor or Ferrero Rocher 1-2oz 3/$3
Dentyne Pure, Trident or Stride singles gum 9-18ct 3/$3
Select grocery or snack items 10/$10 (pictured: cereal cups, Emerald cashew snacks, Duncan Hines chewy fudge mini brownies mix, Chow Mein, JTB party mix, Rice A Roni)
Gatorade 32oz or Sobe Lifewater 20oz 5/$5A SMATTERING OF OTHER SALES
7" Andriod wireless touchscreen tablet (models may vary) $88.88
Coke 12oz 12pks 3/($10? $11?) Limit 6 12pks
Hershey's or Nestle singles .5-2.1oz buy 1 get the second for $.25
Clear shampoo 12.9oz $4.99 + get a free conditioner 12.7oz
Mitchum or Lady Mitchum apdo (excludes twinpacks) $1.99
Select Secret or Old Spice apdo 2/$4
Listerine Cool Lint, Fresh Burst, Zero 500ml or PocketPaks 72ct 50% off
Crest 3D White Vivid whitestrips 10ct
Ricola drops 2/$3
Trigosamine 90ct or Cosamin 60-108ct 50% off
Mega Red or Move Free 50% off
Suavitel fabric softener 33.8oz 2/$3
Reynolds Wrap aluminun foil 30 sq ft 2/$4
Gold Emblem roasted or party peanuts 16oz 2/$6
Pop Chips 3oz 2/$4
Select groceries 2/$4 (pictured: Kellogg's Cars fruit snacks, Pop Tarts, Planters trail mix, Sun Maid raisins, Motts apple sauce 6pk, Quaker oats canister, Aunt Jemima syrup, Nestle Toll House morsels, Keebler Sandies, Biscoff)
Amp Energy 16oz, Starbucks DoubleShot 6.5oz, Frappuccino 9.5oz or Refreshers 12oz 2/$3
Nesquick 16oz 2/$3
Thx laku/sd
Gillette $1/1 disposable ets (12/31/12) RP 11/4/12
Gillette $10 off ProGlide razor when you buy cartridge or disposable (1/31/13) RP 12/2/12
Gillette $5 off Mach3 razor when you buy cartridge (1/31/13) RP 12/2/12
Gillette Buy Mach3 cartridge, get $5 off Mach3 razor excludes disposables and trial (12/31/12) RP 11/4/12
Gillette Female Disposable Razor B1G1F to $11.99 (12/31/12) P&G 11/25/12
Gillette Fusion Proglide Razor AND Cartridge $5 (12/31/12) P&G 11/25/12
Gillette Male Disposable Razor B1G1F to $11.99 (12/31/12) P&G 11/25/12
Gillette Series Shave Prep .75 (12/31/12) P&G 11/25/12
Gillette Venus, Daisy or Daisy3 disposable ets $1 (12/31/12) RP 11/4/12
Gillette disposable razor, $2/1 (12/31/12) Parade Magazine/USAToday 11/18/12Emerson, Vivitar cordless shaver, Neutrogena, Nivea Men's 3PC gift set, Axe 4 pc gift set Pay 9.99 receive $2 ECBPhilips Norelco body groom or triple-head razor Pay 34.99 receive $5 ECBPhilips Norelco powertouch electric razor with aquatec Pay 64.99 receive $5 ECBSpend $30 Get $10 ECB wyb on Loreal items
Triple power RevitaLift 0.5-1.7 oz or Youth code $19.99
Age Perfect Golden Balm 0.5-17 oz or RevitaLift deep Set Wrinkle 1-1.7 oz $14.99
RevitaLift , Age Perfect, Youth code BB cream $11.99Spend $30 Get $10 ECB wyb on Skin care products
St Ives body lotion, wash 21-24, ALL Noxzema, St. Ives, Simple Facial Care or DermasilkBuy any (2) L'oreal Ever or EverStyle Hair Care receive $5 ECBSpend $20 Get $10 ECB wyb EucerinSpend $10 Get $5 ECB wyb Conair or Scunci Hair accessories and HairbrushesPantene Shampoo/Conditioner 12.6 oz or styler 5.7-11.5 oz Pay 3/14 Get 3 ECBSpend $20 Get $10 ECB wyb ANY Nexxus Shampoo, conditioner, stylerReceive $3 ECB wyb (2) limit 5
Colgate single pk manual tooth brushes 2/$5.98
Delsym cough suppressant for adults children 3-4 oz $8.99
Nyquill/Dayquill 48 ct, liquid 24 oz, Nature fusion liquid/caplet combo pk or vaporrub 6 oz $10.99Receive $2 ECB wyb limit 1 Speed stick deodorant twin pk, colagte manual toothbrush 2-4 ct or toothpaste twin pkReceive $2 ECB wyb limit 2 Arm Hammer spin toothbrush 1 ct or brush heads 2 ct (excludes tooth tunes)Prilosec 42 ct $24.99 get $2 ECB limit 3Receive $2 ECB wyb limit 1
Ensure regular nutrition drinks 6 pk, $7.99
Ensure clear or Muscle health 4 pk 6.99 with cardSpend $30 and get $10 ECB wyb Pamper and Huggies products
All pamper or Huggies Jumbo 2/$20
Pampers or Huggies wipes 168-216 ctCVS Sesame Street bandages 20 Ct $2.99 receive $1 ECBCVS Protective Undergarments $8.99 receive $3 ECBDepend Silhouette or Real fit 3 ct $3.99 receive $2 ECB
Depend Guards for Men $1 (12/29/12) SS 11/18/12
Depend Product, any $1 (12/29/12) SS 11/18/12Alaway 10 ml, Bio-true or re-nu 2 pk $13.99 get $4 ECBBuy any ZZZquil get $2 ECBBuy select Diagnostic items get $10 ECB limit 2Buy any Lysol healthy touch hand soap get $3 ECBPlanters Deluxe mixed nuts 8.75 oz, whole cashews 8.5 oz or nut*rition 8.75-10.25 2/$9 get 2 ECBPay $3.99 get $3 ECB limit 2
Colgate total advanced 5.8 oz or Sensitive pro-relief 4 oz
$1 CVS coupon for Total Advanced in the Diabetic Health magazine mailer or online here: http://www.cvs.com/promo/promoLan...cad-member.Tide or Gain liquid 48-64 loads $11.97 get $3 ECB limit 1Pay $4.99 get $3 ECB limit 6
All Revlon NailPay $6.99 get $4 ECB limit 6
Revlon super lustrous or color burst lipBOGO
ALL CVS vitamins Limit 6
ALL CVS batteries Limit 4
Colgate Total Advanced or Whitening 7.6-7.8oz Limit 4
Gold Emblem mixed nuts 10.3oz, almonds 8-10.5oz or cashew halves 8oz Limit 4
Lay's chips 10-10.5oz (excludes Baked) Limit 2
CVS triple size cotton balls 100ct
IDT long distance prepaid phone cards rechargeable in store or by phone (excludes Penny Talk)
CVS Power Flash all purpose camera 27 exposures
Nature Made CoQ10 40-60ct, CholestOff 60-120ct, fish oil 100-180ct or kril oil 60ct Limit 6BOGO50
Designer fragrances with a regular retail of 12.99 Limit 6
ALL Covergirl face, eye or lip Limit (?)
ALL Caliber tape
ALL Milani cosmetics
ALL Almay cosmetics
Essence of Beauty cosmetic brushes, applicators, accessories or fragrances (excludes 2oz trial size)
ALL eyelashes or artificial nails (excludes glue)
ALL L'eggs sheers, leggings, tights, shapewear or foot covers
ALL CeraVe
ALL L'Oreal hair color Limit (?)
Neutrogena grapefruit or blue line cleansers
CVS facial care
ALL RoC skin care
Fx, Organix hair care, body wash, lotion 13oz, body oil 6.8oz (excludes trial/travel size)
Neutrogena shampoo, conditioner 4.4-16oz or treatment 6oz
Shea Moisture hair care 8-12oz
Select CVS brand cold remedies (excludes ExtraBuck offers)
CVS anti-gas, anti-diarrheal or lactose intolerance medications
CVS liquid nutrition or Nutrition Plus 6pk all flavors
ALL i-Caps
Gummy vitamins (excludes CVS brand)
Met-Rx or Pure Protein bars
CVS acetaminophen (excludes PM)
CVS tampons 36-40ct, maxi pads 28-48ct or pantiliners 68-135ct
Select natural sleep aids
Frames or albums
ALL photo books
Photo calendar
Essential Elements reed diffusers 9oz jar candle, 3 wick jar candle or 2oz variety 3pk
CVS cups 20-60ct, cutlery 24-48ct, mapkins 40ct, bowls or plates 16-48ctB2G1
Nestle, Russell Stover, Mars or Hershey's and more Christmas novelty candy .875-5oz
Cadbury bar 3.5-4oz
Hershey's Extra Large bar 4-4.5ozONE DOLLAR OR LESS
Fancy Feast cat food 3oz 10/$6
Select Blistex $.99
CVS facial tissues upright 75-90ct or family size 184ct $.99
Campbells cream soup 10.75oz $.99
Palmolive 10oz $.99 Limit 3Russell Stover, Whitman's, Lindt Lindor or Ferrero Rocher 1-2oz 3/$3
Dentyne Pure, Trident or Stride singles gum 9-18ct 3/$3
Select grocery or snack items 10/$10 (pictured: cereal cups, Emerald cashew snacks, Duncan Hines chewy fudge mini brownies mix, Chow Mein, JTB party mix, Rice A Roni)
Gatorade 32oz or Sobe Lifewater 20oz 5/$5A SMATTERING OF OTHER SALES
7" Andriod wireless touchscreen tablet (models may vary) $88.88
Coke 12oz 12pks 3/($10? $11?) Limit 6 12pks
Hershey's or Nestle singles .5-2.1oz buy 1 get the second for $.25
Clear shampoo 12.9oz $4.99 + get a free conditioner 12.7oz
Mitchum or Lady Mitchum apdo (excludes twinpacks) $1.99
Select Secret or Old Spice apdo 2/$4
Listerine Cool Lint, Fresh Burst, Zero 500ml or PocketPaks 72ct 50% off
Crest 3D White Vivid whitestrips 10ct
Ricola drops 2/$3
Trigosamine 90ct or Cosamin 60-108ct 50% off
Mega Red or Move Free 50% off
Suavitel fabric softener 33.8oz 2/$3
Reynolds Wrap aluminun foil 30 sq ft 2/$4
Gold Emblem roasted or party peanuts 16oz 2/$6
Pop Chips 3oz 2/$4
Select groceries 2/$4 (pictured: Kellogg's Cars fruit snacks, Pop Tarts, Planters trail mix, Sun Maid raisins, Motts apple sauce 6pk, Quaker oats canister, Aunt Jemima syrup, Nestle Toll House morsels, Keebler Sandies, Biscoff)
Amp Energy 16oz, Starbucks DoubleShot 6.5oz, Frappuccino 9.5oz or Refreshers 12oz 2/$3
Nesquick 16oz 2/$3
Thx laku/sd
Abandoned utility trailer on private property in SC
Added on : Tuesday December 11th 2012 01:01:08 AM
Here is my situation:
Hired a roofer. Verified him with a local contractor I've done business with and went and looked at his current job.
He brings some guys out and they do the job and no real complaints.
The roofers brother needed his normal trailer for the day and one of the guys on the crew brought his utility trailer for cleanup.
The utility trailer (not ideal for the job) had a tire failure and was parked in my driveway partially loaded with debris.
A large dump trailer was brought in and the remaining debris was removed.
Roofer was paid at the completion of the job.
The helper said he would return on Friday 11-23 to get the trailer. He also expressed interest in doing some further cleanup work I had to do on the property.Friday came and he did not show up.
Since the trailer was in the way I moved it out of the driveway into the yard.
The following Tuesday (27th) he stopped by my house and apologized for not showing up on Friday.
I explained the trailer was in the way and that I had to move it to the current location. I also no longer had need of help as the work was completed Friday without him.
I asked him when he planned to remove the trailer and he said he would come back by Friday (30th) to remove it. I gave him my phone number and he left.
So Friday came and went and again no contact from him.
I contacted the roofer and he explained they had a falling out and that he could not provide any contact information for the owner.
The roofer told me he wants nothing to do with the owner and refused to provide his full name.
The roofer rather explicitly told me he did not care what I did with the trailer.So now another full week has passed and I have not had any further contact with the owner.
The trailer has been sitting on my property sans tire since 11/19.
The trailer does not appear to have any identifiable markings and does not appear to be registered (no tag).I'll post pictures of the trailer in the morning.
It is about 5x12 with wood stake sides, single axle, and 2" tongue.
It may be homemade as I didn't find any factory markings.At this point I can only assume that the trailer has been abandoned.Note: So after typing this all up I started reading the SC laws on abandoned motor vehicles. Presuming I'm interpreting article 56-5-5630 correct it appears that trailers are considered a vehicle and that my next course of action would be to contact the county sheriff and see if they will have it towed. Apparently it is at the officers discretion as to whether they will have the "vehicle" towed. If they do not wish to have it towed I'm not sure what else to do. I foresee a this is a civil matter or some similar response from the officer.Any suggestions? I do have 10+ acres so I could move it to a spot that is out of sight / out of mind for some time.
Hired a roofer. Verified him with a local contractor I've done business with and went and looked at his current job.
He brings some guys out and they do the job and no real complaints.
The roofers brother needed his normal trailer for the day and one of the guys on the crew brought his utility trailer for cleanup.
The utility trailer (not ideal for the job) had a tire failure and was parked in my driveway partially loaded with debris.
A large dump trailer was brought in and the remaining debris was removed.
Roofer was paid at the completion of the job.
The helper said he would return on Friday 11-23 to get the trailer. He also expressed interest in doing some further cleanup work I had to do on the property.Friday came and he did not show up.
Since the trailer was in the way I moved it out of the driveway into the yard.
The following Tuesday (27th) he stopped by my house and apologized for not showing up on Friday.
I explained the trailer was in the way and that I had to move it to the current location. I also no longer had need of help as the work was completed Friday without him.
I asked him when he planned to remove the trailer and he said he would come back by Friday (30th) to remove it. I gave him my phone number and he left.
So Friday came and went and again no contact from him.
I contacted the roofer and he explained they had a falling out and that he could not provide any contact information for the owner.
The roofer told me he wants nothing to do with the owner and refused to provide his full name.
The roofer rather explicitly told me he did not care what I did with the trailer.So now another full week has passed and I have not had any further contact with the owner.
The trailer has been sitting on my property sans tire since 11/19.
The trailer does not appear to have any identifiable markings and does not appear to be registered (no tag).I'll post pictures of the trailer in the morning.
It is about 5x12 with wood stake sides, single axle, and 2" tongue.
It may be homemade as I didn't find any factory markings.At this point I can only assume that the trailer has been abandoned.Note: So after typing this all up I started reading the SC laws on abandoned motor vehicles. Presuming I'm interpreting article 56-5-5630 correct it appears that trailers are considered a vehicle and that my next course of action would be to contact the county sheriff and see if they will have it towed. Apparently it is at the officers discretion as to whether they will have the "vehicle" towed. If they do not wish to have it towed I'm not sure what else to do. I foresee a this is a civil matter or some similar response from the officer.Any suggestions? I do have 10+ acres so I could move it to a spot that is out of sight / out of mind for some time.
FUJIFILM Finepix JX500 14MP Camera w/5x Optical Zoom Lens, 2.7" LCD, HD Video, 4GB SD Card, Case 100 bonus prints $69 FS
Added on : Saturday December 08th 2012 03:00:08 PM
LINK FUJIFILM Finepix JX500 14MP Camera w/5x Optical Zoom Lens, 2.7" LCD Display, HD Video w/ Bonus 4GB SD Card, Case & 100 Bonus PrintsThis FUJIFILM Finepix JX500 Digital Camera comes with 5x Optical Zoom Lens! A 2.7" LCD display and HD video also featured on this FUJI Finepix 14MP Digital Camera (Black). The LCD screen has been redesigned to be seen easier in sunlight when users are composing pictures or reviewing their shots. The FUJIFILM Finepix JX500 Digital Camera also comes with 5x optical zoom lens (26-130mm equivalent to a 35mm camera) with a powerful 14MP sensor designed to capture scenes packed with detail. Smile and Shoot and Blink Detection ensure that users never miss a memorable moment and as this camera has been re-engineered to lock focus on subjects in a shorter time than previous models, users are virtually guaranteed never to miss a shot that matters. This FUJIFILM Finepix 14MP Digital Camera comes with Bonus 4GB SD Card and Case / 100 Bonus Prints!
Fujifilm Finepix JX500 Digital Camera Bundle:14 megapixel resolution with high-quality still images and video recordings
Featuring 720p HD Movie Recording, Smile and Shoot, Digital Image Stabilization and Blink Detection
Fujinon 23mm zoom lens with 5x optical zoom on FUJIFILM Finepix JX500 Digital Camera!
Equivalent to a 26-130mm lens on an analog camera
2.7" TFT LCD screen with image editing features
Featuring Graphical User Interface, easy-to-read menu system, color TFT LCD screenAdditional Features:1 SD/SDHC/SDXC memory card slot (memory card not included)
Rechargeable Lithium-Ion battery for up to 170 shots
ISO Modes: Auto, 100, 200, 400, 800, 1600, 3200
File Formats Supported: JPEG
3.7" x 0.8" x 2.2"; 3.9 oz
Includes 4GB card, case and 100 bonus printsLINK FUJIFILM Finepix JX500 14MP Camera w/5x Optical Zoom Lens, 2.7" LCD Display, HD Video w/ Bonus 4GB SD Card, Case & 100 Bonus Prints
Walmart Coupons
Fujifilm Finepix JX500 Digital Camera Bundle:14 megapixel resolution with high-quality still images and video recordings
Featuring 720p HD Movie Recording, Smile and Shoot, Digital Image Stabilization and Blink Detection
Fujinon 23mm zoom lens with 5x optical zoom on FUJIFILM Finepix JX500 Digital Camera!
Equivalent to a 26-130mm lens on an analog camera
2.7" TFT LCD screen with image editing features
Featuring Graphical User Interface, easy-to-read menu system, color TFT LCD screenAdditional Features:1 SD/SDHC/SDXC memory card slot (memory card not included)
Rechargeable Lithium-Ion battery for up to 170 shots
ISO Modes: Auto, 100, 200, 400, 800, 1600, 3200
File Formats Supported: JPEG
3.7" x 0.8" x 2.2"; 3.9 oz
Includes 4GB card, case and 100 bonus printsLINK FUJIFILM Finepix JX500 14MP Camera w/5x Optical Zoom Lens, 2.7" LCD Display, HD Video w/ Bonus 4GB SD Card, Case & 100 Bonus Prints
Walmart Coupons
Hello Fatwalleters,First off, if you do not know what a bitcoin it is essentially a digital security (or currency for the most part) that allows anonymity among payments, and eases transaction costs for peer to peer payments. See http://en.wikipedia.org/wiki/Bitcoin.In my opinion, mainly for regulatory reasons, I believe that the USD/Bitcoin rate is going to increase dramatically in the next 18 months. The question for the people of FW is how can you take advantage of this? OOf course I can buy bitcoins at the current market rate, however I would rather not have to own any actual bitcoins due to digital theft among the bitcoin wallet providers. Does anyone know of a broker that accepts forwards or FX trades on bitcoins? Is there some other way to invest in the bitcoin based economy? If it matters I want to invest ~50k USD.TIA,
Bryan
Bryan
Hello folks,Just started a new plan on 1st Nov with High deductible HSA plan. I have $4000 deductible and most likely will be using almost all of it, still plan to contribute $6000 to HSA (to save some tax)I am looking for a bank that has no fees whatsoever or at least no maintenance and transaction fees. It doesn't matter to me if they do not give me any interest as I will be using all of it in long run. If they could offer stock options, it will be great.Any recommendations?Thanks in advance.
Office Depot FAR software for the week of 12/09/2012
Added on : Friday December 07th 2012 12:00:10 AM
Office Depot FAR software for the week of 12/09/2012
One free after rebate, one $3.99 after rebate, one $4.99 after rebate and two $9.99 after rebate titles. Will update to my usual standards by Sunday.
McAfee Total Protection 2013 For 1 User
Item #830-743
FREE After $8 Instant & $52 Mfr. Mail-In Savings
In Store Price $51.99
MyAttorney Home & Business
Item #949-667
$3.99 After $30 Mfr. Mail-In Savings
In Store Price $33.99
Print Artist Platinum Edition
Item #259-665
$4.99 After $45 in (2) Mfr. Mail-In Savings
In Store Price $49.99
Photo Explosion Deluxe 5.0
Item #891-709
$9.99 After $40 in (2) Mfr. Mail-In Savings
In Store Price $49.99
McAfee Internet Security For 3 PCs
Item #830-698
$9.99 After $60 Mfr. Mail-In Savings
In Store Price $69.99
--------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------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.
--------------------The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK--------------------
Office Depot Coupons
One free after rebate, one $3.99 after rebate, one $4.99 after rebate and two $9.99 after rebate titles. Will update to my usual standards by Sunday.
McAfee Total Protection 2013 For 1 User
Item #830-743
FREE After $8 Instant & $52 Mfr. Mail-In Savings
In Store Price $51.99
MyAttorney Home & Business
Item #949-667
$3.99 After $30 Mfr. Mail-In Savings
In Store Price $33.99
Print Artist Platinum Edition
Item #259-665
$4.99 After $45 in (2) Mfr. Mail-In Savings
In Store Price $49.99
Photo Explosion Deluxe 5.0
Item #891-709
$9.99 After $40 in (2) Mfr. Mail-In Savings
In Store Price $49.99
McAfee Internet Security For 3 PCs
Item #830-698
$9.99 After $60 Mfr. Mail-In Savings
In Store Price $69.99
--------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------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.
--------------------The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK--------------------
Office Depot Coupons
Xmas Trees @ Kmart. Kmart carries a breathtaking array of Christmas trees at competitively low prices. A huge range of sizes, heights and colors is available. There are pre-lit trees and unlit trees as well. Take your pick from several traditional designs, or opt for something a little more modern. No matter what you choose, it's sure to be a lovely addition to your home for the holidays.
Kmart.com Coupons
Kmart.com Coupons
Free- The Afterlife Series Box Set (Books 1-3) -Kindle
Added on : Wednesday December 05th 2012 11:00:54 AM
Afterlife Series by International Best-Selling Author Willow Rose
http://www.amazon.com/The-Afterlife-Box-Books-ebook/dp/B00AFHHMR...
Save: $4.99Book 1 - BEYOND
Meghan is 16 when she dies.
She wakes up on a flying steamboat on her way to a school run by Angels in a white marble castle.
On the boat she meets Mick who has been dead for more than a hundred years but still looks like a teenager. He helps her past the difficult beginning at the new school in a new world filled with magic.
One day some of Meghan's roommates find a mirror in the cellar of the school and they persuade her to go through it with them - well knowing it is strictly against the rules of the school. Meghan ends up back on earth where she meets Jason. But Jason is in danger and Meghan knows something important. Something that is a matter of life and death. Soon she is forced to choose between the two worlds. The one she belongs to now and the one she left.
Book 2 - SERENITY
It is Meghan's second year at The Academy.
While trying to help and care for Jason on earth she is struggling to keep up in school, where they this year will learn both to ride Pegasus' and fly through severe storms. Meanwhile Mick is becoming more than a friend to her and soon she finds herself facing the unavoidable choice.
But something evil is threatening the students at the Academy and Meghan is no longer safe within the walls of the castle. Something causes several of the students to be caught in the middle of a nightmare, that they can't wake up from.
Soon they realize that they might have a traitor in their midst.
Book 3 - ENDURANCE
Meghan's training at the Academy is coming to an end. Everything is going great as she comes closer to graduation. She is engaged to be married and the wedding is near when she hears some disturbing news that makes her rethink her future.
In class the students are learning to catch dreams and fly with the speed of light. Meghan soon discovers her special talents and that she is much stronger than she thought. But unfortunately that doesn't help her as she faces the truth about her own death, which will be revealed to her at the end of the year.
http://www.amazon.com/The-Afterlife-Box-Books-ebook/dp/B00AFHHMR...
Save: $4.99Book 1 - BEYOND
Meghan is 16 when she dies.
She wakes up on a flying steamboat on her way to a school run by Angels in a white marble castle.
On the boat she meets Mick who has been dead for more than a hundred years but still looks like a teenager. He helps her past the difficult beginning at the new school in a new world filled with magic.
One day some of Meghan's roommates find a mirror in the cellar of the school and they persuade her to go through it with them - well knowing it is strictly against the rules of the school. Meghan ends up back on earth where she meets Jason. But Jason is in danger and Meghan knows something important. Something that is a matter of life and death. Soon she is forced to choose between the two worlds. The one she belongs to now and the one she left.
Book 2 - SERENITY
It is Meghan's second year at The Academy.
While trying to help and care for Jason on earth she is struggling to keep up in school, where they this year will learn both to ride Pegasus' and fly through severe storms. Meanwhile Mick is becoming more than a friend to her and soon she finds herself facing the unavoidable choice.
But something evil is threatening the students at the Academy and Meghan is no longer safe within the walls of the castle. Something causes several of the students to be caught in the middle of a nightmare, that they can't wake up from.
Soon they realize that they might have a traitor in their midst.
Book 3 - ENDURANCE
Meghan's training at the Academy is coming to an end. Everything is going great as she comes closer to graduation. She is engaged to be married and the wedding is near when she hears some disturbing news that makes her rethink her future.
In class the students are learning to catch dreams and fly with the speed of light. Meghan soon discovers her special talents and that she is much stronger than she thought. But unfortunately that doesn't help her as she faces the truth about her own death, which will be revealed to her at the end of the year.
**FREE UNLOCK** For Samsung Galaxy S3 and Note 2 - ALL GSM
Added on : Tuesday December 04th 2012 11:00:43 PM
***Deal belongs here because Galaxy Note 2 unlock code on eBay is >$10 ($24.99)***AT&T Users you can now update to Jelly Bean!!!=====ALL Credits to Owl74 on XDA-Developers=====
http://forum.xda-developers.com/s...ostcount=1
This is confirmed by myself to work on the AT&T Galaxy S3 and AT&T Galaxy Note 2 ....and it is reported to work on ALL VARIANTS of GSM.I am posting it publicly to give where credit is due, and to KILL the eBay profits, specifically eBay Item: 321033698090Please do not profit off someone elses' idea and eBay this info like the Joker in the auction aboveTo unlock your Galaxy S3 OR NOTE 2:Just dial the following keys *#197328640#Main Menu > [1] UMTS > [1] Debug Screen > [8] Phone Control > [6] Network Lock > Options [3]Perso SHA256 OFF > (after choosing this option, wait about 30 seconds, then go back one step by pressing the Menu button then select Back, now you are in [6] Network Lock then choose [4] NW Lock NV Data INITIALLIZ ..... wait for a minute then reboot your phone... enjoy!!!/standard disclaimer: I am not responsible if you don't follow directions and what you do with your phone... FOR THOSE THAT DON'T HAVE THE LAST OPTION MAKE SURE YOU HAVE THE LATEST UPDATE FOR YOUR PHONE. FROM THE OP:Those who are having trouble. 1) PLUG IN THE FOREIGN SIM CSED FIRST2) BOOT up the phone with the different sim card, then it will ask for unlock code. CLICK DISMISS3) Then perform the 6 step process in post #14) be sure to WAIT EXACTLY where it says wait 30 sec, and wait 1min then reboot
Frequently Asked Questions:
What is unlocking/what is its benefit?
Only thing unlocking your phone will do is allow you to pop in a different sim card and use that provider's service with your phone Will unlocking my phone void my warranty?
It typically won't void your warranty (since some providers WILL unlock your phone for you if you're traveling internationally....)....and it won't help you get updates faster. After unlocking the phone, data isn't working on the foreign network (e.g. if you have a T-Mobile phone, data is not working when you put in your AT&T SIM card), what do I need to do?
To get data to work on your FOREIGN SIM, you must change the APN setting. Google for your carrier's APN setting and change that. This is nothing related to unlocking the phone, rather its because you are literally on a different cell carrier and you need to modify the phone to access the correct data network.Will unlocking my phone affect my internet speeds?
It won't affect your internet speeds. Which service providers does this work for? Does it work for Verizon/Sprint?
This works ONLY for GSM phones, i.e. phones on AT&T, T-Mobile, or most international carrier. This will NOT work on CDMA/TDMA phones, specifically phones from Verizon or Sprint. Some Verizon phones use SIM cards for 4G data, and it may be possible to use those phones with GSM networks, but I am not sure of that. Does this mean I can use it outside the country without paying any extra service fees?
You have to pay for service no matter where you go, but if you go to another country, rather than being forced to use your AT&T SIM card with international roaming, you can buy a prepaid SIM card from the country you are traveling to. You would have to switch the SIM cards and then you can use your unlocked phone on the international service plan.What does "GSM' mean in the original post?
GSM refers to use "Global System for Mobile communications". This is for mobile devices that use SIM cards for voice, specifically AT&T and T-Mobile devices in the US, and almost all devices every else in the world. Does unlocking the phone mean that I am no longer under my contract? Will I still have to pay my service provider the monthly service fee? What about Early Termination Fee (ETF)?
Unlocking the phone deals ONLY with the phone, not with your service. You will still have the service and you will still either have to pay the monthly fees or pay the early termination fee, whether you have the phone or not. Again, unlocking the phone does NOTHING to the contract. The contract is for service, it has nothing to do with the phone. The phone is yours. You could sell the phone and you'd still have to pay your voice and data service.Does this work on the Samsung Galaxy S2? Other GSM phones?
It doesn't work on the S2, but if bought the phone (or any GSM phone) from AT&T or T-Mobile and you've had your phone for something like 90 days or 6 months (not sure which) with service, you can call them up and say you are going overseas and need to unlock your phone for use there. They should give/email you the SIM unlock code for your phone, which you would need to put in when you insert another network's SIM into your phone. If they give you trouble, just keep pressing that you may go to areas that don't have their coverage and need other options. They should/will give it to you. -hallowmann[LIST]Foreign sim Data plan is not working
Add APN settings as per new foreign sim provider. UPDATE:
It doesn't work with custom rom, at least for CM10 rom. you must restore the original rom to use the code.
http://forum.xda-developers.com/s...ostcount=1
This is confirmed by myself to work on the AT&T Galaxy S3 and AT&T Galaxy Note 2 ....and it is reported to work on ALL VARIANTS of GSM.I am posting it publicly to give where credit is due, and to KILL the eBay profits, specifically eBay Item: 321033698090Please do not profit off someone elses' idea and eBay this info like the Joker in the auction aboveTo unlock your Galaxy S3 OR NOTE 2:Just dial the following keys *#197328640#Main Menu > [1] UMTS > [1] Debug Screen > [8] Phone Control > [6] Network Lock > Options [3]Perso SHA256 OFF > (after choosing this option, wait about 30 seconds, then go back one step by pressing the Menu button then select Back, now you are in [6] Network Lock then choose [4] NW Lock NV Data INITIALLIZ ..... wait for a minute then reboot your phone... enjoy!!!/standard disclaimer: I am not responsible if you don't follow directions and what you do with your phone... FOR THOSE THAT DON'T HAVE THE LAST OPTION MAKE SURE YOU HAVE THE LATEST UPDATE FOR YOUR PHONE. FROM THE OP:Those who are having trouble. 1) PLUG IN THE FOREIGN SIM CSED FIRST2) BOOT up the phone with the different sim card, then it will ask for unlock code. CLICK DISMISS3) Then perform the 6 step process in post #14) be sure to WAIT EXACTLY where it says wait 30 sec, and wait 1min then reboot
Frequently Asked Questions:
What is unlocking/what is its benefit?
Only thing unlocking your phone will do is allow you to pop in a different sim card and use that provider's service with your phone Will unlocking my phone void my warranty?
It typically won't void your warranty (since some providers WILL unlock your phone for you if you're traveling internationally....)....and it won't help you get updates faster. After unlocking the phone, data isn't working on the foreign network (e.g. if you have a T-Mobile phone, data is not working when you put in your AT&T SIM card), what do I need to do?
To get data to work on your FOREIGN SIM, you must change the APN setting. Google for your carrier's APN setting and change that. This is nothing related to unlocking the phone, rather its because you are literally on a different cell carrier and you need to modify the phone to access the correct data network.Will unlocking my phone affect my internet speeds?
It won't affect your internet speeds. Which service providers does this work for? Does it work for Verizon/Sprint?
This works ONLY for GSM phones, i.e. phones on AT&T, T-Mobile, or most international carrier. This will NOT work on CDMA/TDMA phones, specifically phones from Verizon or Sprint. Some Verizon phones use SIM cards for 4G data, and it may be possible to use those phones with GSM networks, but I am not sure of that. Does this mean I can use it outside the country without paying any extra service fees?
You have to pay for service no matter where you go, but if you go to another country, rather than being forced to use your AT&T SIM card with international roaming, you can buy a prepaid SIM card from the country you are traveling to. You would have to switch the SIM cards and then you can use your unlocked phone on the international service plan.What does "GSM' mean in the original post?
GSM refers to use "Global System for Mobile communications". This is for mobile devices that use SIM cards for voice, specifically AT&T and T-Mobile devices in the US, and almost all devices every else in the world. Does unlocking the phone mean that I am no longer under my contract? Will I still have to pay my service provider the monthly service fee? What about Early Termination Fee (ETF)?
Unlocking the phone deals ONLY with the phone, not with your service. You will still have the service and you will still either have to pay the monthly fees or pay the early termination fee, whether you have the phone or not. Again, unlocking the phone does NOTHING to the contract. The contract is for service, it has nothing to do with the phone. The phone is yours. You could sell the phone and you'd still have to pay your voice and data service.Does this work on the Samsung Galaxy S2? Other GSM phones?
It doesn't work on the S2, but if bought the phone (or any GSM phone) from AT&T or T-Mobile and you've had your phone for something like 90 days or 6 months (not sure which) with service, you can call them up and say you are going overseas and need to unlock your phone for use there. They should give/email you the SIM unlock code for your phone, which you would need to put in when you insert another network's SIM into your phone. If they give you trouble, just keep pressing that you may go to areas that don't have their coverage and need other options. They should/will give it to you. -hallowmann[LIST]Foreign sim Data plan is not working
Add APN settings as per new foreign sim provider. UPDATE:
It doesn't work with custom rom, at least for CM10 rom. you must restore the original rom to use the code.
I didn't really want to post an OP, but I'm not seeing a topic already.If someone is moving for work, what should someone think about? I've been in talks with a company across the country. Currently own a house and would probably prefer to hang on to it, as it's a pretty decent rental property (not too big, in a great school district). The job across the country is a higher COL area, so I know to think about that, but I'm not sure what else to really consider. Their pay, benefits, and subject matter of the job would be way better than my current position. That said, I don't have a bad job now and actually have a pretty flexible schedule. I've never really discussed such a move with anyone, though, and I'm not really sure what to consider, what to ask for, how to set up accommodations from the new employer. Anyone have any thoughts?
Hamilton Beach 35200 8-Cup Stainless Steel Deep Fryer $20.24 AC @ KMart
Added on : Sunday December 02nd 2012 03:00:14 PM
Hamilton Beach Stainless Steel Deep Fryer 35200Large size cooks meals for families in a matter of minutes
Saves money spent on deep-fired fast food take-out items
Fryer exterior easily wipes clean with a damp cloth
Easy to clean and store
Adjustable timer gives cooks full control
Breakaway cord prevents accidents and spills
Basket insert is dishwasher safe
Handy basket hook enables draining cooked food over the fryer's interior22.49-10% off coupon code: OFFERS10Free store pick-up or Free Shipping orders $59+Link
Kmart.com Coupons
Saves money spent on deep-fired fast food take-out items
Fryer exterior easily wipes clean with a damp cloth
Easy to clean and store
Adjustable timer gives cooks full control
Breakaway cord prevents accidents and spills
Basket insert is dishwasher safe
Handy basket hook enables draining cooked food over the fryer's interior22.49-10% off coupon code: OFFERS10Free store pick-up or Free Shipping orders $59+Link
Kmart.com Coupons
Hamilton Beach 35200 8-Cup Stainless Steel Deep Fryer $20.24 AC Free Shipping @ KMart
Added on : Sunday December 02nd 2012 03:00:03 AM
Hamilton Beach Stainless Steel Deep Fryer 35200Large size cooks meals for families in a matter of minutes
Saves money spent on deep-fired fast food take-out items
Fryer exterior easily wipes clean with a damp cloth
Easy to clean and store
Adjustable timer gives cooks full control
Breakaway cord prevents accidents and spills
Basket insert is dishwasher safe
Handy basket hook enables draining cooked food over the fryer's interior22.49
10% off coupon code: OFFERS10
Free Shipping or pick-upLink
Kmart.com Coupons
Saves money spent on deep-fired fast food take-out items
Fryer exterior easily wipes clean with a damp cloth
Easy to clean and store
Adjustable timer gives cooks full control
Breakaway cord prevents accidents and spills
Basket insert is dishwasher safe
Handy basket hook enables draining cooked food over the fryer's interior22.49
10% off coupon code: OFFERS10
Free Shipping or pick-upLink
Kmart.com Coupons
Samsung SPH-D710 Galaxy S II Sprint 4G Smartphone Pre-owned for $139.99
Added on : Friday November 30th 2012 02:00:04 PM
The Samsung Galaxy S II 4G from Sprint is slim, sleek and super-fast. It features a dual core application processor so it works at lightning fast speeds, and is home to an 8MP camera with HD recording, an ultra-vibrant 4.3" Super AMOLED Plus touchscreen, and smart Samsung features that will keep you entertained no matter where you're at
Add to cart for $159.99 - $20.00 off w/coupon GALAXYS20 = $139.99 + Free Shipping
CowBoom.com Coupons
Add to cart for $159.99 - $20.00 off w/coupon GALAXYS20 = $139.99 + Free Shipping
CowBoom.com Coupons
Samsung EPL-1PREBEGXAR Galaxy Tab SD Card Reader for $2.28
Added on : Friday November 30th 2012 01:00:09 PM
Transfer multimedia files from an SD or micro SD card to your tablet's internal storage in a matter of seconds.LINKY
Life insurance policy rejected- what are implications
Added on : Friday November 30th 2012 06:00:58 AM
I am a bit flummoxed and need help. I went through a broker called beemalife who in turn ran app through Metlife. I am in good health- but have two rear ending incidents on DMV report that occurred last year and both resulted in points (only violations for last three years). While my medical checkup results were perfect, Metlife rejected my app due to driving record. I am somewhat mad at beemalife at not asking me questions on this topic upfront and warning me abt it. Now situation has got a bit complicated. Beemalife says that I should nevertheless take a small life insurance for an astronomical amount from Metlife to avoid filing of some kind of report by Metlife in consolidated records that will stick around for 9 years and will prevent me from getting life insurance ever (or atleast for next nine years). I find it ludicrous that I pay a kind of penalty for 15 years for ever going through the process. I am 41. My question is that if I keep good health and good driving record for next 3-4 years, should this rejection at all matter.Thanks for help.
Keurig Platinum B70 Single Cup Coffee Maker $152.98 @ hayneedle.com w/ free shipping
Added on : Friday November 30th 2012 12:00:12 AM
Been looking for a Keurig for the wife for Christmas. I don't know how great of a deal this is, but it's the best I've found. Hopefully it helps others looking for a similar deal.Keurig B70I don't know if it matters to others, but I've been looking for this model because it's supposed to be able to fit a travel size mug. The other models I've seen seem to have a pretty short "service" area.
Oakley MPH Disclosure Women's Sunglasses - $40.50 - free shipped@ 6PM
Added on : Thursday November 29th 2012 06:00:22 PM
http://www.6pm.com/oakley-mph-disclosure~1
You can reveal everything if you want, but where's the fun in that? The shock and awe of kicking their butts in the Disclosure is just so much more interesting.
Durable and lightweight O-Matter frame.
Plutonite polycarbonate lenses filter out UV rays a, b, c and blue light up to 400nm.
Metal "O" icon hit at the sides.
Built in hinges.
Unobtainium stem and nose pads.
Three-point.
Meets the Z87.1 impact resistance standard.
Soft and hard cases included.
Made in the U.S.A. and Imported materials.Measurements:
Temple Length: 114 mm
Frame Width: 140 mm
Weight: 0.93 oz
Lens Height: 39 mm
Lens Width: 57 mm
Bridge: 14 mm
6PM Coupons
You can reveal everything if you want, but where's the fun in that? The shock and awe of kicking their butts in the Disclosure is just so much more interesting.
Durable and lightweight O-Matter frame.
Plutonite polycarbonate lenses filter out UV rays a, b, c and blue light up to 400nm.
Metal "O" icon hit at the sides.
Built in hinges.
Unobtainium stem and nose pads.
Three-point.
Meets the Z87.1 impact resistance standard.
Soft and hard cases included.
Made in the U.S.A. and Imported materials.Measurements:
Temple Length: 114 mm
Frame Width: 140 mm
Weight: 0.93 oz
Lens Height: 39 mm
Lens Width: 57 mm
Bridge: 14 mm
6PM Coupons
You can reveal everything if you want, but where's the fun in that? The shock and awe of kicking their butts in the Disclosure is just so much more interesting. / Durable and lightweight O-Matter frame. / Plutonite polycarbonate lenses filter out UV rays a, b, c and blue light up to 400nm. / Metal "O" icon hit at the sides. / Built in hinges.LINKY
6PM Coupons
6PM Coupons
Oakley MPH Disclosure Women's Sunglasses - $45 - free shipped@ 6PM
Added on : Thursday November 29th 2012 09:00:03 AM
http://www.6pm.com/oakley-mph-disclosure~1
You can reveal everything if you want, but where's the fun in that? The shock and awe of kicking their butts in the Disclosure is just so much more interesting.
Durable and lightweight O-Matter frame.
Plutonite polycarbonate lenses filter out UV rays a, b, c and blue light up to 400nm.
Metal "O" icon hit at the sides.
Built in hinges.
Unobtainium stem and nose pads.
Three-point.
Meets the Z87.1 impact resistance standard.
Soft and hard cases included.
Made in the U.S.A. and Imported materials.Measurements:
Temple Length: 114 mm
Frame Width: 140 mm
Weight: 0.93 oz
Lens Height: 39 mm
Lens Width: 57 mm
Bridge: 14 mm
6PM Coupons
You can reveal everything if you want, but where's the fun in that? The shock and awe of kicking their butts in the Disclosure is just so much more interesting.
Durable and lightweight O-Matter frame.
Plutonite polycarbonate lenses filter out UV rays a, b, c and blue light up to 400nm.
Metal "O" icon hit at the sides.
Built in hinges.
Unobtainium stem and nose pads.
Three-point.
Meets the Z87.1 impact resistance standard.
Soft and hard cases included.
Made in the U.S.A. and Imported materials.Measurements:
Temple Length: 114 mm
Frame Width: 140 mm
Weight: 0.93 oz
Lens Height: 39 mm
Lens Width: 57 mm
Bridge: 14 mm
6PM Coupons
https://www.recyclebank.com/how-to-earn/Sorry, I can not find the exact link to the promo, but I just got 45 points at recyclebank5 point daily pledge &
40 pts for "easy greens" that I swear I had done already weeks ago.
Starts out with moving the compost items to the dirt (leave the dairy).
Then it was guess how much water is leaked...10,000 gallons.
and saving on packaging at work...take your lunch.
I forget the rest, but 10 pts each.
(the answers don't matter, you still get points for guessing)log-in to your account and jump around.
hopefully, you'll find easy points waiting.(and the greenchoices challenge is coming up Dec 1st)
40 pts for "easy greens" that I swear I had done already weeks ago.
Starts out with moving the compost items to the dirt (leave the dairy).
Then it was guess how much water is leaked...10,000 gallons.
and saving on packaging at work...take your lunch.
I forget the rest, but 10 pts each.
(the answers don't matter, you still get points for guessing)log-in to your account and jump around.
hopefully, you'll find easy points waiting.(and the greenchoices challenge is coming up Dec 1st)
Haircut + Shampoo for $7.99+tax in all SmartStyle salons (inside any Walmart) expires 12/31/2012
Added on : Wednesday November 28th 2012 07:00:10 PM
This deal actually printed on the back of any WalMart receipt although you would need a code that cashier can enter into the computed to give you this deal. I called the SmartStyle customer service and got the code: N777. This code gives you Haircut+Shampoo for $7.99+tax for 1 person: men, woman, kid - doesn't matter. Just ask them to use this code.I used this code today and paid a $15.95 for 2 haircuts: for me and my wife. Usually I pay $15.95 just for my haircut without shampoo.
Walmart Coupons
Walmart Coupons
Eureka Enviro Hard-Surface Floor Steamer $49.98 shipped. Down from $62+ Amazon
Added on : Wednesday November 28th 2012 09:00:13 AM
TextI have this model and love it!Not good for hardwood or any wood for that matter. Excellent for tile and linoleum.
Amazon Coupons
Amazon Coupons
Eureka Enviro Hard-Surface Floor Steamer $49.98 sipped. Down from $62+ Amazon
Added on : Wednesday November 28th 2012 12:00:04 AM
TextI have this model and love it!Not good for hardwood or any wood for that matter. Excellent for tile and linoleum.
Amazon Coupons
Amazon Coupons
GE Power PRO Series Digital Camera 14 MP 15X zoom (148 users rated it 4 1/2 stars on Amazon) $79.99 FS
Added on : Tuesday November 27th 2012 09:00:06 PM
LINK
GE Power 14MP Digital Camera Is Powerful Yet User-Friendly148 Amazon buyers rated this camera 4 1/2 starsTake digital photos like a pro with this GE Power Pro Series Digital Camera 14MP from Sears. This X400 camera is powerful and versatile enough to call it a Pro Series, and yet still surprisingly easy to use. So whether you're serious about photography or you just want a good all-around camera for everyday use, you can expect to score some super high-quality pics.This GE Power 14MP Digital Camera in black is a wide-angle powerhouse camera with plenty of features. A 14-megapixel sensor and 15x optical zoom ensure you always get a clear shot, even down to the smallest detail. Meanwhile, High Dynamic Range and low-light 3200 ISO help you take impeccable photos, even in low light conditions. And a plethora of shooting modes and presets make it easy to explore your artistic passions-Just like a pro. This GE Power Pro Series Digital Camera-14MP from Sears offers the best of both worlds: Enough power to be called a Pro Sears in an easy-to-use design
Powerful technology and 14-megapixel (MP) sensor ensure you always get a good shot
Wide-angle design and 15x optical zoom help you capture any subject, no matter how big or small
High Dynamic Range and low-light 3200 ISO help you take impeccable low light photos
Compact black design goes where you go with style
Many shooting modes and presets help you explore your artistic side
Accessories Included: Lens cap, shoulder strap, USB cable, lens cap strap
Sears.com Coupons
GE Power 14MP Digital Camera Is Powerful Yet User-Friendly148 Amazon buyers rated this camera 4 1/2 starsTake digital photos like a pro with this GE Power Pro Series Digital Camera 14MP from Sears. This X400 camera is powerful and versatile enough to call it a Pro Series, and yet still surprisingly easy to use. So whether you're serious about photography or you just want a good all-around camera for everyday use, you can expect to score some super high-quality pics.This GE Power 14MP Digital Camera in black is a wide-angle powerhouse camera with plenty of features. A 14-megapixel sensor and 15x optical zoom ensure you always get a clear shot, even down to the smallest detail. Meanwhile, High Dynamic Range and low-light 3200 ISO help you take impeccable photos, even in low light conditions. And a plethora of shooting modes and presets make it easy to explore your artistic passions-Just like a pro. This GE Power Pro Series Digital Camera-14MP from Sears offers the best of both worlds: Enough power to be called a Pro Sears in an easy-to-use design
Powerful technology and 14-megapixel (MP) sensor ensure you always get a good shot
Wide-angle design and 15x optical zoom help you capture any subject, no matter how big or small
High Dynamic Range and low-light 3200 ISO help you take impeccable low light photos
Compact black design goes where you go with style
Many shooting modes and presets help you explore your artistic side
Accessories Included: Lens cap, shoulder strap, USB cable, lens cap strap
Sears.com Coupons
GE Power PRO Series Digital Camera 14 MP 15X zoom (this camera is underrated) $79.99 FS
Added on : Tuesday November 27th 2012 08:00:02 PM
LINK
GE Power 14MP Digital Camera Is Powerful Yet User-FriendlyTake digital photos like a pro with this GE Power Pro Series Digital Camera 14MP from Sears. This X400 camera is powerful and versatile enough to call it a Pro Series, and yet still surprisingly easy to use. So whether you're serious about photography or you just want a good all-around camera for everyday use, you can expect to score some super high-quality pics.This GE Power 14MP Digital Camera in black is a wide-angle powerhouse camera with plenty of features. A 14-megapixel sensor and 15x optical zoom ensure you always get a clear shot, even down to the smallest detail. Meanwhile, High Dynamic Range and low-light 3200 ISO help you take impeccable photos, even in low light conditions. And a plethora of shooting modes and presets make it easy to explore your artistic passions-Just like a pro. This GE Power Pro Series Digital Camera-14MP from Sears offers the best of both worlds: Enough power to be called a Pro Sears in an easy-to-use design
Powerful technology and 14-megapixel (MP) sensor ensure you always get a good shot
Wide-angle design and 15x optical zoom help you capture any subject, no matter how big or small
High Dynamic Range and low-light 3200 ISO help you take impeccable low light photos
Compact black design goes where you go with style
Many shooting modes and presets help you explore your artistic side
Accessories Included: Lens cap, shoulder strap, USB cable, lens cap strap
GE Power 14MP Digital Camera Is Powerful Yet User-FriendlyTake digital photos like a pro with this GE Power Pro Series Digital Camera 14MP from Sears. This X400 camera is powerful and versatile enough to call it a Pro Series, and yet still surprisingly easy to use. So whether you're serious about photography or you just want a good all-around camera for everyday use, you can expect to score some super high-quality pics.This GE Power 14MP Digital Camera in black is a wide-angle powerhouse camera with plenty of features. A 14-megapixel sensor and 15x optical zoom ensure you always get a clear shot, even down to the smallest detail. Meanwhile, High Dynamic Range and low-light 3200 ISO help you take impeccable photos, even in low light conditions. And a plethora of shooting modes and presets make it easy to explore your artistic passions-Just like a pro. This GE Power Pro Series Digital Camera-14MP from Sears offers the best of both worlds: Enough power to be called a Pro Sears in an easy-to-use design
Powerful technology and 14-megapixel (MP) sensor ensure you always get a good shot
Wide-angle design and 15x optical zoom help you capture any subject, no matter how big or small
High Dynamic Range and low-light 3200 ISO help you take impeccable low light photos
Compact black design goes where you go with style
Many shooting modes and presets help you explore your artistic side
Accessories Included: Lens cap, shoulder strap, USB cable, lens cap strap
Lowering Tax liability to avoid phase out for student loan interest
Added on : Tuesday November 27th 2012 01:01:26 PM
Hey guys,As you know for 2012, we are able to deduct student loan interest no matter when you graduated. Im actually outside of the five years which is great for me so I can lower my tax liability.However! I might be phasing out here:"if your modified adjusted gross income is between $55,000 and $70,000."Some of you already know my profile from the thread: "Bonus Check made my regular check smaller"Profile:Single, Male, CA, mid 20's. income almost 80k for 2012 and that includes bonus.From my understanding, Modified Adjsut gross income is after deductions? So if my income is $80k
Minus Standard deduction -$5,950
minus stock losses -$3k Well heres the thing:
So far in 2012, I have made only 72k Gross income. I plan on contributing 100% of my income to my 401k to prevent the 72k to increase. I will still be within the 401k contribution limit for this year.So 72k
minus: $5,950
minus: $3,000
72k - 8,950 = $63,050.00What are other tricks to lower this tax liability besdies a traditional IRA (since Roth IRA will be more beneficial in the long run)?
Minus Standard deduction -$5,950
minus stock losses -$3k Well heres the thing:
So far in 2012, I have made only 72k Gross income. I plan on contributing 100% of my income to my 401k to prevent the 72k to increase. I will still be within the 401k contribution limit for this year.So 72k
minus: $5,950
minus: $3,000
72k - 8,950 = $63,050.00What are other tricks to lower this tax liability besdies a traditional IRA (since Roth IRA will be more beneficial in the long run)?
Samsung UN60ES6003FXZA 60-inch 120HZ 1080p LED HDTV for $1297.99
Added on : Tuesday November 27th 2012 01:00:04 PM
The realistic detail of Full HD images invites you to enjoy a viewing experience that redefines reality. Set up your Samsung TV seamlessly with the built-in swivel stand. Samsung Swivel stands allow you to turn your TV up to 10 degrees to the left or right to ensure you have a direct view of the TV no matter where you are sitting in the room.Get superior picture and sound from your HD source. The High-Definition Multimedia Interface (HDMI) is a digital connection that can transmit HD video and audio over a single cable. Use it to optimize the image quality when you connect your TV to high-definition sources such as HD cable TV, satellite receiver or Blu-ray player. It's super slim, yet makes your screen look even bigger. With a bezel that's just 0.2-inch/0.5-inch thin, you watch an almost edgeless picture, creating a more immersive experience. Hang your TV like a work of art on your wall, or use your TV's distinctive designed stands for a stunning, free-standing look.Add to cart for $2,569.99 - $1,272.00 Instant off= $1297.99 + Free Shipping
Dell Consumer Coupons
Dell Consumer Coupons
AMTRAK 3-day sale! DC or Balt to Philly-$25; DC to Richmond-$19 one way; Travel Jan23-Feb14
Added on : Tuesday November 27th 2012 12:00:04 PM
http://www.amtrak.com/3-day-sale-northeast-regional-train?WT.mc_...Our 3-Day Northeast Regional Sale has arrived, which means you can book travel on the Northeast Regional for as low as $19 and time is short. So hurry and book your tickets between now and November 29 for travel January 23 - February 14, 2013. These low fares are valid no matter which direction youre traveling on the Northeast Regional between the following cities:Washington, DC or Baltimore to Philadelphia $25
Washington, DC to Richmond $19
Onboard youll be able to relax with comfortable seating and the convenience of outlets for laptops and other electronics and plenty of storage space for your luggage. So hurry and take advantage of our lowest fares on the Northeast Regional by booking now through November 29 for travel January 23 - February 14, 2013.T&C:xclusively available at Amtrak.com.
Valid for sale November 27 - 29, 2012.
Valid for travel January 23 - February 14, 2013.
Valid for travel on the Northeast Regional Service only.
This special offer includes our lowest one way rail fares between Washington, DC or Baltimore, MD (Penn Station) to Philadelphia, PA.
This offer also includes one way fares between Washington, DC and Richmond, VA.
Seating is limited, seats may not be available on all trains at all times.
Once ticketed fares are non-refundable; exchanges are permitted prior to the original travel date.
The discounted fares are valid for all adult passengers; no additional discounts apply.
Up to 2 children ages 2 - 15 may accompany each adult at half the regular (full) adult rail fare.
Children and infants must travel with an adult who is at least 18 years or older.
Valid for Coach seats only; no Business Class upgrade permitted.
Not combinable with any other discount offer.
In addition to the discount restrictions, this offer is also subject to any restrictions, blackouts and refund rules that apply to the type of fare purchased.
Fares, routes and schedules are subject to change without notice.
Once travel has begun, no changes to the itinerary are permitted.
Other restrictions may apply.
Washington, DC to Richmond $19
Onboard youll be able to relax with comfortable seating and the convenience of outlets for laptops and other electronics and plenty of storage space for your luggage. So hurry and take advantage of our lowest fares on the Northeast Regional by booking now through November 29 for travel January 23 - February 14, 2013.T&C:xclusively available at Amtrak.com.
Valid for sale November 27 - 29, 2012.
Valid for travel January 23 - February 14, 2013.
Valid for travel on the Northeast Regional Service only.
This special offer includes our lowest one way rail fares between Washington, DC or Baltimore, MD (Penn Station) to Philadelphia, PA.
This offer also includes one way fares between Washington, DC and Richmond, VA.
Seating is limited, seats may not be available on all trains at all times.
Once ticketed fares are non-refundable; exchanges are permitted prior to the original travel date.
The discounted fares are valid for all adult passengers; no additional discounts apply.
Up to 2 children ages 2 - 15 may accompany each adult at half the regular (full) adult rail fare.
Children and infants must travel with an adult who is at least 18 years or older.
Valid for Coach seats only; no Business Class upgrade permitted.
Not combinable with any other discount offer.
In addition to the discount restrictions, this offer is also subject to any restrictions, blackouts and refund rules that apply to the type of fare purchased.
Fares, routes and schedules are subject to change without notice.
Once travel has begun, no changes to the itinerary are permitted.
Other restrictions may apply.
Free 4 Book Kindle Making It Work at Work: A Guide to Career Development and Fulfillment ($66) THIS IS FOR 4 BOOKS TOTAL
Added on : Monday November 26th 2012 04:00:13 PM
Master Powerful Ways to Find Purpose, Fulfillment, and Greatness at Work! Four great books show you how to find purpose, fulfillment, and greatness at work--no matter where you work or how fast your workplace is changing! Imagine the leaders of one of New Yorks top real-estate firms coming together every Monday morning to hearthe moral and spiritual thoughts of a Rabbi. Wouldnt you like to hear the paths Alan Lurie traced for his listeners, how he helped them bring together their spiritual and business lives, the sacred and the profane? Five Minutes on Mondays compiles these talks for the first time, sharing Luries deep and profound inspiration on the challenges we all face--at work and in life. Lurie draws on millennia of philosophy, theology, and science to help us answer our deepest questions, comfort our deepest yearnings, and become better people: more connected to each other and to the Greater Purpose. Next, in Touchdown! Achieving Your Greatness on the Playing Field of Business (and Life), Dr. Kevin Elko shows how to build your success one brick at a timeso when it happens, it happens huge. Americas #1 performance consultant, Elko shares all hes learned working with legendary athletes such as Emmitt Smith, championship coaches like Nick Saban, and thousands of the worlds top businesspeople. If youre good, hell make you great. If youre great, hell make you the best! Next, Four Secrets to Liking Your Work offers the first practical, start-to-finish program for transforming your work life: all the tools, tricks, ideas, examples, and proven research you need to make your work life more fulfilling and joyful, wherever you work--starting right now. Finally, in Your Job Survival Guide: A Manual for Thriving in Change, Gregory Shea, Ph.D., and Robert Gunther help you thrive amidst the challenges of your permanent whitewater world of change at work. Drawing on extensive research, they show how to protect your career, improve your resilience, and rediscover play and adventure as you ride the workplace rapids.From inspirational business leaders, trainers, and authors, including Alan Lurie, Kevin Elko, Edward Muzio, Deborah Fisher, Erv Thomas, Gregory Shea, and Robert Guntherhttp://www.amazon.com/Making-Work-Development-Fulfillment-ebook/...
Amazon Coupons
Amazon Coupons
LinkJourney is a short but almost universally praised game (92 on Metacritic)First time this game has been on sale and now it is at half price. Product Description
The Journey Collectors Edition features all three best-selling games from acclaimed indie developer thatgamecompany, Journey, Flower, and flOw, for one low price. The collection also includes a wealth of exclusive bonus content that fans are sure to love, making this the ultimate edition for collectors to cherish for years to come.
Take advantage of the one-month subscription to PlayStation Plus included with this Collector's Edition
For 1 player offline; for 1 to 2 players online
Collector's Edition includes Journey, Flower and flOw, game soundtracks, dynamic themes and avatars
Immerse yourself in the stunning visual landscapes of Journey for a unique and emotional, family-friendly gaming experience
Fly and soar through the picturesque world of Flower by tilting your controller and enjoy the Zen atmosphere
Discover the wonder of the underwater world as one of five unique organisms, no matter what your skill level is thanks to the dynamic difficulty adjustment feature
Enjoy never-before-seen mini games brought to you by the indie game developer, thatgamecompany
Watch a 30-minute documentary on the making of Journey
Learn the ins and outs of each game with the Creator's Commentary play-throughs
The Journey Collectors Edition features all three best-selling games from acclaimed indie developer thatgamecompany, Journey, Flower, and flOw, for one low price. The collection also includes a wealth of exclusive bonus content that fans are sure to love, making this the ultimate edition for collectors to cherish for years to come.
Take advantage of the one-month subscription to PlayStation Plus included with this Collector's Edition
For 1 player offline; for 1 to 2 players online
Collector's Edition includes Journey, Flower and flOw, game soundtracks, dynamic themes and avatars
Immerse yourself in the stunning visual landscapes of Journey for a unique and emotional, family-friendly gaming experience
Fly and soar through the picturesque world of Flower by tilting your controller and enjoy the Zen atmosphere
Discover the wonder of the underwater world as one of five unique organisms, no matter what your skill level is thanks to the dynamic difficulty adjustment feature
Enjoy never-before-seen mini games brought to you by the indie game developer, thatgamecompany
Watch a 30-minute documentary on the making of Journey
Learn the ins and outs of each game with the Creator's Commentary play-throughs
JC Penney Cyber Monday sale starts Now through Monday night
Added on : Sunday November 25th 2012 03:00:07 PM
Their claim to fame is free shipping on any order, no matter the cost, with no code.http://www.jcpenney.com/I searched through and nothing that big IMO. Post if you see something good!
JCPenney Coupons
JCPenney Coupons
So I've heard that having multiple types of loans are very good for your credit report (not necessarily score).So I have a paid off student loan. Revolving debt (credit cards). Paid off car lease.So how about a mortgage?If I were to get a $30,000 mortgage loan, would that have similar value as a $300,000 mortgage on my credit report?
$517: ASUS VG278H 27" 120HZ 3D Monitor w/ glasses shipped from TigerDirect
Added on : Friday November 23rd 2012 06:00:19 PM
I bought this monitor mainly for the non-3D, 120hz feature. As a hardcore FPS gamer, this feature and 2ms refresh rate leave 60hz monitors in the dust. You kind of have to see it to believe the difference. It also includes an NVidia NVision 2 emitter and glasses, which is a nice side benefit for some games and movies. This is by far the lowest price I have ever seen on this particular unit, or any large 120hz offering for that matter.HOW TO GET THE DEAL:
Start at FatWallet Cash Back so that you can get 6% ($33.00) back on this purchase:
http://www.fullofdeals.com/TigerDirect-coupons/At TigerDirect, search for the ASUS VG278H which carts for $549.99
http://www.tigerdirect.com/applications/SearchTools/item-details...$549.99 - $33.00 = $516.99 (free shipping)
TigerDirect.com Coupons
Start at FatWallet Cash Back so that you can get 6% ($33.00) back on this purchase:
http://www.fullofdeals.com/TigerDirect-coupons/At TigerDirect, search for the ASUS VG278H which carts for $549.99
http://www.tigerdirect.com/applications/SearchTools/item-details...$549.99 - $33.00 = $516.99 (free shipping)
TigerDirect.com Coupons
Office Depot FAR software for the week of 11/25/2012
Added on : Friday November 23rd 2012 10:00:11 AM
Office Depot FAR software for the week of 11/25/2012
I forgot completely about the Friday morning release of next week's ad. Will update when I can find the time.
McAfee Internet Security for 3 PCs
Item #830-698
FREE After $10 Instant & $60 Mfr Mail-In Savings
In Store Price $59.99
Valid 11/25/12 through 12/1/12
Business Card Factory Deluxe 4
Item #436-893
$4.99 After $25 in (2) Mfr. Mail-In Savings
In Store Price $29.99
(SAVE $25)
Valid 11/25/12 through 12/1/12
Greeting Card Factory Deluxe 8.0
Item #485-379
$4.99 After $45 in (2) Mfr. Mail-In Savings
In Store Price $49.99
(SAVE $45). Create personalized greeting cards.
Valid 11/25/12 through 12/1/12
--------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK--------------------
Office Depot Coupons
I forgot completely about the Friday morning release of next week's ad. Will update when I can find the time.
McAfee Internet Security for 3 PCs
Item #830-698
FREE After $10 Instant & $60 Mfr Mail-In Savings
In Store Price $59.99
Valid 11/25/12 through 12/1/12
Business Card Factory Deluxe 4
Item #436-893
$4.99 After $25 in (2) Mfr. Mail-In Savings
In Store Price $29.99
(SAVE $25)
Valid 11/25/12 through 12/1/12
Greeting Card Factory Deluxe 8.0
Item #485-379
$4.99 After $45 in (2) Mfr. Mail-In Savings
In Store Price $49.99
(SAVE $45). Create personalized greeting cards.
Valid 11/25/12 through 12/1/12
--------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK--------------------
Office Depot Coupons
Which Chase Biz card to apply - Bold Charge or Ink Plus?
Added on : Monday November 19th 2012 11:01:01 AM
Need to transfer the CL from the existing Southwest Biz card before closing to this new card (either Bold Charge or Ink Plus).They basically have the same terms: 50K points after spending $5k for the first three months.So does it matter which one to choose? Which one might be easier to be approved?P.S. The latest Chase Biz card is the Ink Master card which was closed on mid last month (10/15/2012) so will it have any impact on the new card's approval?Thanks in advance!
Office Depot FAR software for 11/22/2012 thru 11/24/2012
Added on : Friday November 16th 2012 12:00:05 AM
Office Depot FAR software for 11/22/2012 thru 11/24/2012
One title free after rebate and one title $9.99 after rebate. Will update to my usual standards at some point.
PhotoImpact Pro 13
Item #948-245
FREE After $4 Instant & $50 Mail-In Savings & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $79.99
Kaspersky Pure Total Security - 3 user
Item #342-355
$9.99 After $80 Mfr. Mail-In Savings
In Store Price $89.99 --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK--------------------
Office Depot Coupons
One title free after rebate and one title $9.99 after rebate. Will update to my usual standards at some point.
PhotoImpact Pro 13
Item #948-245
FREE After $4 Instant & $50 Mail-In Savings & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $79.99
Kaspersky Pure Total Security - 3 user
Item #342-355
$9.99 After $80 Mfr. Mail-In Savings
In Store Price $89.99 --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK--------------------
Office Depot Coupons
50 Shades of Gray Matter (The Swordsman Series 1-5) - Kindle Edition (Free was $3.99) @ Amazon
Added on : Thursday November 15th 2012 12:00:29 PM
BEARPAW Moc II Slippers - Men's - 2012 $24.93 @ REI
Added on : Thursday November 15th 2012 09:00:05 AM
BEARPAW Moc II Slippers - Men's - 2012 $24.93 @ REI
http://www.rei.com/outlet/deal-of-the-dayFS on $50+
Free Store pick upThe BEARPAW Moc II slippers make your feet happy. Suede leather uppers conform to the shape of your feet and feature moccasin stitching for a classic appearance
Sheepskin fleece linings are naturally thermostatic, meaning they maintain body temperature no matter what the outside temperature
Sheepskin footbeds ensure superior softness and luxurious warmth
Rubber outsoles ensure excellent traction on a variety of terrain
REI.com Coupons
http://www.rei.com/outlet/deal-of-the-dayFS on $50+
Free Store pick upThe BEARPAW Moc II slippers make your feet happy. Suede leather uppers conform to the shape of your feet and feature moccasin stitching for a classic appearance
Sheepskin fleece linings are naturally thermostatic, meaning they maintain body temperature no matter what the outside temperature
Sheepskin footbeds ensure superior softness and luxurious warmth
Rubber outsoles ensure excellent traction on a variety of terrain
REI.com Coupons
Free- 50 Shades of Gray Matter (COMPLETE SERIES) -Kindle Edition
Added on : Thursday November 15th 2012 08:00:36 AM
[L=50 Shades of Gray Matter (The Swordsman Series 1-5) [Kindle Edition]]http://www.amazon.com/Shades-Matter-Swordsman-Series-ebook/dp/B0...[/L]
Customer Reviews: 5 out of 5 stars(2)This is the COMPLETE five-part trilogy-- 50 SHADES OF GRAY MATTER
(or How I Nearly Stopped the Zombie Apocalypse with an Erection)
A semi-erotica, Zombie Apocalypse Story
BOOKS 1 - 5As Hal drives home from his entry level Graphic Designer job, weaving slowly through traffic which the growing zombie commuter population make worse every day, he decides: Why go to work for one more day if, inevitably, waiting in line at the Cinnabon or whatever, I'll suffer the whole "rahrr!" crunch! thing from some wandering gimp?
Coming home to tell his lovely girlfriend about this decision, she greets him with a kiss (well...) and gets him infected, like herself, with the Zombie Bird Flu.
He's seen what becoming a citizen of the Nation of the Undead looks like: Poor hygiene, limited vocabulary, and affinity for 24-7 interstate driving.
Who wants that?
So, Hal stumbles over to a nearby pharmacy, breaks in, finds the locked up stash of prescription pain medication and gobbles down a handful in hopes of slipping off into the sweet slumber of non-zombie death.
But, it hadn't been pain meds he'd downed. It was Erectile Dysfunction medicine.
And, funny that-- it turns out that tiny amount of blood (just being honest) diverted from the brain is just enough to keep the Full Zombie effects at bay. Hal is now a creature inches away from zombie-- Near Zombie.
So, through an odd collections of mistakes, missteps, and total cock ups, Hal (imbued with odd, Near Zombie abilities) sets out to Save Mankind from the Zombie Horde Even Those Who Don't Deserve It.
In truth, it won't likely go very well.50 SHADES OF GRAY MATTER (The Swordsman Series) is parody, using the elemental themes of the popular erotica series and combining them with the impending zombie Apocalypse.
As the narrator has, in point of fact, been infected by the ZBF (zombie bird flu) and is gradually turning to join the undead race, each Book will be novelette length-- around 10000 words.
** This volume contains all five Books. **
Customer Reviews: 5 out of 5 stars(2)This is the COMPLETE five-part trilogy-- 50 SHADES OF GRAY MATTER
(or How I Nearly Stopped the Zombie Apocalypse with an Erection)
A semi-erotica, Zombie Apocalypse Story
BOOKS 1 - 5As Hal drives home from his entry level Graphic Designer job, weaving slowly through traffic which the growing zombie commuter population make worse every day, he decides: Why go to work for one more day if, inevitably, waiting in line at the Cinnabon or whatever, I'll suffer the whole "rahrr!" crunch! thing from some wandering gimp?
Coming home to tell his lovely girlfriend about this decision, she greets him with a kiss (well...) and gets him infected, like herself, with the Zombie Bird Flu.
He's seen what becoming a citizen of the Nation of the Undead looks like: Poor hygiene, limited vocabulary, and affinity for 24-7 interstate driving.
Who wants that?
So, Hal stumbles over to a nearby pharmacy, breaks in, finds the locked up stash of prescription pain medication and gobbles down a handful in hopes of slipping off into the sweet slumber of non-zombie death.
But, it hadn't been pain meds he'd downed. It was Erectile Dysfunction medicine.
And, funny that-- it turns out that tiny amount of blood (just being honest) diverted from the brain is just enough to keep the Full Zombie effects at bay. Hal is now a creature inches away from zombie-- Near Zombie.
So, through an odd collections of mistakes, missteps, and total cock ups, Hal (imbued with odd, Near Zombie abilities) sets out to Save Mankind from the Zombie Horde Even Those Who Don't Deserve It.
In truth, it won't likely go very well.50 SHADES OF GRAY MATTER (The Swordsman Series) is parody, using the elemental themes of the popular erotica series and combining them with the impending zombie Apocalypse.
As the narrator has, in point of fact, been infected by the ZBF (zombie bird flu) and is gradually turning to join the undead race, each Book will be novelette length-- around 10000 words.
** This volume contains all five Books. **
Oakley Jury Sunglasses $95 + Free Shipping @ Altrec
Added on : Wednesday November 14th 2012 03:00:04 AM
Oakley Jury Sunglasses $95 + Free Shipping @ Altrechttp://outlet.altrec.com/Description
Comfortable and lightweight, the Oakley Jury Sunglasses are shaped with confident contours and self-assured style. Oakley has sourced an airspace quality aluminum alloy to save on weight without sacrificing durability and fitted these frames with an O-Matter spring hinge for flexibility. The earstems are wrapped in Unobtanium to help them stay put during times of high activity and the 3 point fit system keeps the lenses in precise optical alignment while eliminating pressure points. The lenses are cut from a single toric shield then placed in the frame to maintain the original contour and ensure your view is razor sharp at every angle. They meet high-mass and high-impact ANSI standards of Z87.1 to keep your eyes protected at work or at play.
Specifications Custom engineered O-Matter spring hinge mechanism
Precision milled with machine tolerances exceeding =/-0.001
3 point fit
Added conform for UNOBTAINIUM earsocks and O-MATTER nosepad
Metal icon accents
Optical precision and performance that meets all ANSI Z87.1 standards
Impact resistance that meets all ANSI Z87.1 standards for high-mass and high-velocity impact
UV protection of PLUTONITE lens material that filters out 100% of UVA / UVB / UVC and harmful blue light up to 400nm
Glare reduction and tuned light transmission of IRIDIUM lens coating (optional)
Dual lens polaric ellipsoid geometry (two lenses cut from a single toric shield)
Comfortable and lightweight, the Oakley Jury Sunglasses are shaped with confident contours and self-assured style. Oakley has sourced an airspace quality aluminum alloy to save on weight without sacrificing durability and fitted these frames with an O-Matter spring hinge for flexibility. The earstems are wrapped in Unobtanium to help them stay put during times of high activity and the 3 point fit system keeps the lenses in precise optical alignment while eliminating pressure points. The lenses are cut from a single toric shield then placed in the frame to maintain the original contour and ensure your view is razor sharp at every angle. They meet high-mass and high-impact ANSI standards of Z87.1 to keep your eyes protected at work or at play.
Specifications Custom engineered O-Matter spring hinge mechanism
Precision milled with machine tolerances exceeding =/-0.001
3 point fit
Added conform for UNOBTAINIUM earsocks and O-MATTER nosepad
Metal icon accents
Optical precision and performance that meets all ANSI Z87.1 standards
Impact resistance that meets all ANSI Z87.1 standards for high-mass and high-velocity impact
UV protection of PLUTONITE lens material that filters out 100% of UVA / UVB / UVC and harmful blue light up to 400nm
Glare reduction and tuned light transmission of IRIDIUM lens coating (optional)
Dual lens polaric ellipsoid geometry (two lenses cut from a single toric shield)
http://www.purematters.com/everyday-health/a/LPB-LEAD_YOUBEAUTY_...
Political debate thread as it relates to finance following the start of Obamas' 2nd term in office
Added on : Monday November 12th 2012 09:00:59 PM
This thread will hopefully encourage insightful and educated responses to be debated in regards to our most recent election and moving forward. I say most recent since the country is clearly divided, per the popular vote. The goal of the thread is to lay out the facts of a lively debate centered around fiscal policy and monetary matters from both sides. Bringing up abortion/gay/etc opinion is not the objective and not within the scope of the vision I see for this thread since humbly feel this country has bigger issues to address.As a start, I'd like to say that for policy, I'm financially leaning-conservative. I feel very disheartened and have a loss of confidence because of how I envision the way things are headed in this country. We have piled on 6 trillion more debt in 4 years, half the country supports the other half with an equivalent of 60k per family of 4 (obamaphone, etc etc) which is obviously unsustainable, 40 months of high unemployment, sending our money overseas to countries that are either apathetic or feel hatred for us, and the spending will continue with more government programs. I also believe we are close to another down-grade of US debt, which will cripple the stock market again.Going forward, I do not see how tax increases and spending increases will lead to a better economy while the economy is currently in a depression. Personally, I would be in favor of 1 dollar of tax increase for every 5 of spending cuts. This is also for you to debate.As a post-script, I do feel that either candidate doesn't really capture what the bulk of America believes in. In one corner, you have a rich evangelical Republican that few can relate to. On the other hand, you have a President whom ultimately doesn't instill a reason to WANT to get a job since you come out ahead by NOT. But hey, that's just how I see things. What say you? Are you better financially than you were 4 years ago? Has the president made business better/easier for you? Did not the FW offices move a couple years back to a low tax state? Are you scared of where this country is headed (i.e. Texas wanting to peacefully secede.)? Do you worry about the impending fiscal cliff? Lets go!
I came across this article today at pc worldIt states; "Like Lynda.com on Facebook for free access to "Windows 8 Essential Training," a five-hour video course.
"The class is divided into 11 sections, each with a smattering of subsections consisting of various videos: "Getting familiar with the new user interface," "Organizing folders and files," "Removing unwanted programs," and so on." "Because the entire outline is presented on the course page, you can easily jump around to whatever topic you want; you don't have to sit through the entire thing in order.""By the way, if you're not a Facebook user, it appears you can take the course without going through the "liking" process. That step merely sends you to the course page, where all the individual videos are already enabled." link"The only catch is that it'll no longer be free after November 23, so start your learning as soon as you can."Hope this helps someone
"The class is divided into 11 sections, each with a smattering of subsections consisting of various videos: "Getting familiar with the new user interface," "Organizing folders and files," "Removing unwanted programs," and so on." "Because the entire outline is presented on the course page, you can easily jump around to whatever topic you want; you don't have to sit through the entire thing in order.""By the way, if you're not a Facebook user, it appears you can take the course without going through the "liking" process. That step merely sends you to the course page, where all the individual videos are already enabled." link"The only catch is that it'll no longer be free after November 23, so start your learning as soon as you can."Hope this helps someone
Red Light tickets, Restrictive Endorsements, and Collections?
Added on : Monday November 12th 2012 02:01:03 PM
So last month I got two red light tickets in a nearby town one week apart. These were for not coming to a complete stop when making a right on red. I don't want to really delve too much into the validity of them. From the video, I clearly did not come to a complete stop. However, the cameras are put up as a money maker as the right-turn at this particular intersection is nigh impossible to have a collision with any oncoming traffic.I hemmed and hawed about paying the first ticket, and when I made up my mind that I would, the second ticket came in the mail a few days later.I happened to be visiting some family members and telling the story to a relative who is also an attorney. He mentioned to me that he has a similar incident and that he sent partial payment on his fine with a restrictive endorsement on the back. For those of you that don't know, a restrictive endorsement is some verbiage on the back of the check above the endorsement line that basically says "If you deposit this check then...." in my case it stated that depositing this check constituted full payment of the violation, etc, etc.Well, they deposited the two checks and then sent me notices of partial payment. The notices threatens "further civil action and the debt may be reported to a credit bureau and collection agency"I called the customer service number and talked to an agent who doesn't seem to be trained much above being able to look things up in their systems. I asked her if she could provide me the number of their counsel, so that I could speak to them regarding these threats of civil action when they had chosen to endorse and deposit a restrictively endorsed check.She told me that all that would happen - when the fine was not paid - is that it would be sent to collections.I have never been sent to collections before, although I have been contacted via wrong number multiple times for other people.I don't know what this means other than pestering phone calls - or how to avert it.Arguably, this is not a lot of money ($100 to pay the remainder off). But it is a principle at this point. I don't want to argue the morality of the red-light camera, nor the morality of sending in a restrictive check. Both my relative and I believe from a legal perspective that by depositing the check they agreed to the terms and technically I am in the right. However I don't know what "collections" will bring and if collections is more willing to walk away once I prove to them the legality of the city agreeing via the restrictive deposit.I'm curious both on what success people have had with dealing with a situation like this on all fronts: restrictive endorsements, dealing with the city on this matter, or collections. I'm also concerned as to what extent this actually has the ability to hurt my credit - since I never technically bought/borrowed any credit - this seems like it shouldn't be a reflection of my ability to pay real debts.I'm speaking with my relative againt - but at this point neither of us seems sure as to how it might go down. Thanks for any advice!
Oakley Catapult Snow Goggles $35.99 @ Altrechttp://outlet.altrec.com/FS on $48+
$6.95 S/HDescription
Let Oakleys Catapult Snow Goggles propel you into a whole new experience this winter. No ordinary goggle, the Catapults lens is super flexible and strong at the same time. A strap clip system allows for a snug fit with any helmet and the polar fleece layer allows sweat wicking action and warmth. Lexan fortified lenses protect you from UVA, UVB, UVC, harmful blue light and just about anything that wily sun tries to throw at you while youre out shredding. 20/20 is all yours with the Catapult Snow Goggles.
Specifications Designed to fit over Prescription eyewear
O-Matter chassis
Articulating/interchangeable O Matter strap attachments
Moisture wicking triple-layer polar fleece foam
Dual vented lenses with F2 anti-fog technology
Lexan lens
100% protection against UVA, UVB, UVC and harmful blue light
Iridium lens coating (optional) Optimized to fit most faces
$6.95 S/HDescription
Let Oakleys Catapult Snow Goggles propel you into a whole new experience this winter. No ordinary goggle, the Catapults lens is super flexible and strong at the same time. A strap clip system allows for a snug fit with any helmet and the polar fleece layer allows sweat wicking action and warmth. Lexan fortified lenses protect you from UVA, UVB, UVC, harmful blue light and just about anything that wily sun tries to throw at you while youre out shredding. 20/20 is all yours with the Catapult Snow Goggles.
Specifications Designed to fit over Prescription eyewear
O-Matter chassis
Articulating/interchangeable O Matter strap attachments
Moisture wicking triple-layer polar fleece foam
Dual vented lenses with F2 anti-fog technology
Lexan lens
100% protection against UVA, UVB, UVC and harmful blue light
Iridium lens coating (optional) Optimized to fit most faces
Pocketsized portable weather radio provides 24hoursaday National Weather Service weather alerts no matter where you arecamping, fishing, hunting, golfing, hiking, home or office.
No matter how badly a Wheel Masters Wheeliner is damaged, no matter how or where, Wheel Masters will replace it within five years of purchase.
A friend of mine (no really, it's not me...) works for a California company that provides vacation time accrual benefits but won't let him actually take a vacation. The company has multiple locations, and he has been denied his vacation requests at his location on multiple times, while employees at other locations (<50 miles away) of similar skill/category are allowed to take their vacations. He's CA exempt (e.g. full-time salaried, not hourly) if that matters.Are there any CA state or federal laws that protect against this sort of thing? All I've been able to find searching thus far is that there are CA laws protecting accrued vacation (e.g. it can't expire if not taken by the end of the year) but nothing that either requires a company to let you take a vacation using time you've accrued or requires similar treatment between two closely spaced work locations.Thanks!
1200 Free Prints - Free Shipping on Orders of $20 or More ArtsCow.com
Added on : Thursday November 08th 2012 09:00:10 AM
I've used them before and they are by far the most bang for your buck when it comes to getting things printed on stuff.
Check out the Left hand menu on the Homepage for Promotion details. ALso as soon as I first signed they give you a ton of
coupon codes for free custom printed items you would just pay shipping. I got a bunch of photos (Large Prints) printed on Canvas
shipped and printed for only $65Free shipping on orders of $20 or more can't be used with another promotion.ArtsCow.comAnd I quote:
"Details of this promotion:
Offer applies to new registrants only
Please use the credits between the start time and expire time
100 free 4x6 and 50 free 5x7 print credits can be used per month.
The decision of ArtsCow.com on all matters or queries concerning the Promotion shall be final.
One use per household. *Only the first new register can entitle to enjoy this promotion offer in the network place.
Promotion details may change at any time without notice
Valid on orders placed and shipped within the globe only
Shipping fees are not included
All credits issued will not be deleted except repeated registrants
ArtsCow.com reserves the right to terminate this offer at any time without notice
How to use the free photo prints and other photo gift credits:
Login your ArtsCow account
Create a new album
Upload your photos to the album
Place the photo prints order
The free photo print credits will be auto applied.
Enter Billing/Shipping Information.
Check out by Paypal or Credit Card."
ArtsCow.com Coupons
Check out the Left hand menu on the Homepage for Promotion details. ALso as soon as I first signed they give you a ton of
coupon codes for free custom printed items you would just pay shipping. I got a bunch of photos (Large Prints) printed on Canvas
shipped and printed for only $65Free shipping on orders of $20 or more can't be used with another promotion.ArtsCow.comAnd I quote:
"Details of this promotion:
Offer applies to new registrants only
Please use the credits between the start time and expire time
100 free 4x6 and 50 free 5x7 print credits can be used per month.
The decision of ArtsCow.com on all matters or queries concerning the Promotion shall be final.
One use per household. *Only the first new register can entitle to enjoy this promotion offer in the network place.
Promotion details may change at any time without notice
Valid on orders placed and shipped within the globe only
Shipping fees are not included
All credits issued will not be deleted except repeated registrants
ArtsCow.com reserves the right to terminate this offer at any time without notice
How to use the free photo prints and other photo gift credits:
Login your ArtsCow account
Create a new album
Upload your photos to the album
Place the photo prints order
The free photo print credits will be auto applied.
Enter Billing/Shipping Information.
Check out by Paypal or Credit Card."
ArtsCow.com Coupons
Free Pure Matters DHA childrens gummies sample - 1sty 1,000
Added on : Wednesday November 07th 2012 08:00:45 PM
http://www.facebook.com/PureMatters/app_290877637691581
Check your Email !Big Lots 11/8-9 (Sandy Affected Areas) 10-20% off ALL ITEMS with Buzz Club Card
Added on : Wednesday November 07th 2012 08:00:11 PM
http://marketing.biglots.com/aprimo/OutboundMessage.aspx?O=11fe2...
This is an exclusive one time use promotional offer for select Buzz Club Rewards members located in Connecticut, Delaware, Maryland, Maine, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Virginia, Vermont and Washington D.C. only and is not transferable. This offer does not apply to previous transactions, previously initiated price hold, non-purchases such as rentals, deposits, and charitable donations, online purchases, purchases of milk, dairy products, eggs or alcohol, purchases of gift cards, and purchases of phone cards or calling cards and cannot be used in combination with any other offer, coupon or discount (including, but not limited to, other Rewards offers, Friends and Family discounts or associate discounts) that will apply (less exclusions) to the entire purchase. Value is forfeited if item is returned. Big Lots is not responsible for expired offers or lost or stolen coupons or Rewards cards. By attempting to redeem this offer, user unconditionally agrees that decisions of Big Lots are final on all matters of interpretation, fact and procedure with respect to this offer. Valid only on in stock goods. Void where prohibited. No cash value or Cash Back. To redeem coupon offers, the coupon must be presented and surrendered at time of purchase. To redeem offers that have been loaded directly on to a Rewards card, user must either (1) present at checkout the Rewards card associated with this email address or (2) if lookup is available, request at checkout that the associate look up the Rewards account associated with this email address, and Big Lots may refuse to honor this offer if user does not do so. Offer good November 8 and November 9, 2012.
Due to the nature of our business, Buyouts, Closeouts and Special Buys, we must limit our sale to stock on hand. Sorry, no rainchecks. Comparative pricing on new items is based on same or similar items sold elsewhere. Comparative pricing on reconditioned items reflects savings when compared to same or similar factory new items sold elsewhere. "Extreme Values well below prices found elsewhere" applies to comparative pricing for products specifically identified in this ad as "Extreme Values." We do not accept manufacturers coupons.
This is an exclusive one time use promotional offer for select Buzz Club Rewards members located in Connecticut, Delaware, Maryland, Maine, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Virginia, Vermont and Washington D.C. only and is not transferable. This offer does not apply to previous transactions, previously initiated price hold, non-purchases such as rentals, deposits, and charitable donations, online purchases, purchases of milk, dairy products, eggs or alcohol, purchases of gift cards, and purchases of phone cards or calling cards and cannot be used in combination with any other offer, coupon or discount (including, but not limited to, other Rewards offers, Friends and Family discounts or associate discounts) that will apply (less exclusions) to the entire purchase. Value is forfeited if item is returned. Big Lots is not responsible for expired offers or lost or stolen coupons or Rewards cards. By attempting to redeem this offer, user unconditionally agrees that decisions of Big Lots are final on all matters of interpretation, fact and procedure with respect to this offer. Valid only on in stock goods. Void where prohibited. No cash value or Cash Back. To redeem coupon offers, the coupon must be presented and surrendered at time of purchase. To redeem offers that have been loaded directly on to a Rewards card, user must either (1) present at checkout the Rewards card associated with this email address or (2) if lookup is available, request at checkout that the associate look up the Rewards account associated with this email address, and Big Lots may refuse to honor this offer if user does not do so. Offer good November 8 and November 9, 2012.
Due to the nature of our business, Buyouts, Closeouts and Special Buys, we must limit our sale to stock on hand. Sorry, no rainchecks. Comparative pricing on new items is based on same or similar items sold elsewhere. Comparative pricing on reconditioned items reflects savings when compared to same or similar factory new items sold elsewhere. "Extreme Values well below prices found elsewhere" applies to comparative pricing for products specifically identified in this ad as "Extreme Values." We do not accept manufacturers coupons.
Amazon to Test $7.99 Monthly Subscriptions for Prime
Added on : Wednesday November 07th 2012 11:00:28 AM
Amazon Offers $7.99 Monthly Subscription To Amazon PrimeAmazon is now offering users a monthly option for its Amazon Prime service, priced at $7.99 per month, as an alternative to the $79/yearly subscription. Its the same service as before, offering free two-day shipping, access to a free book monthly from the Amazon Lending Library for Kindle, instant streaming of movies and TV from Amazons Prime Instant Videos, and more.An Amazon spokesperson only offered this comment on the matter: We are always looking at ways to improve the shopping experience for our customers. We are testing a monthly Prime subscription. Beyond that, we dont have anything further to offer.
Amazon Coupons
Amazon Coupons
GUNS, (EAA) Windicator Pistol, .38spec Revolver, 2"bbl, $220 shipped @ GunBuyer
Added on : Monday November 05th 2012 10:00:05 PM
Description from their website:
One of the most useful and effective self defense pistols made, the European American Armory (EAA) Windicator Pistol is reliable, durable and accurate no matter the shooters skill level. With a rubber target grip, the European American Armory (EAA) Windicator Pistol gives you comfort and control at the time of fire. Great for concealed carry, home defense and as a duty backup weapon the European American Armory (EAA) Windicator Pistol is a great companion for you.Specifications:Size: Small
Action: Double
Barrel Length: 2 Inch
Caliber: 38 Special
Capacity: 6 Round
Frame: Alloy
Grips: Rubber
Sights: Fixed
Weight: 28.8 Ounces
Finish: Blue
UPC: 741566103599Link
POW Gloves Tanto Gloves $29.99 + $6.95 S/H @ Altrechttp://outlet.altrec.com/FS on $48+Description
Blaze through the deep powder in the POW Tanto Gloves for Men. No matter how much snow comes into contact with your hands, youll feel nothing but comfort in these gloves. A material blend of durable waterproof shell, goatskin leather, and cozy micro-fleece lining offers ultimate protection from the inside out. A fitted neoprene cuff and hook and loop closure system form a barrier between your wrist and the outside world. Youll be bragging about fresh tracks and steep descents with the Tanto Gloves for Men on your side.
Specifications Shell: Softshell, Nylon, Leather
Palm: Goatskin Leather
Insert: Waterproof Hipora
Lining: Premium anti-pill polyester micro-fleece
Insulation: 4 oz. Primaloft one
Closure: Hook and Loop
Waterproof
Premium Goatskin Leather
Fitted neoprene cuff
Altrec Outdoors Coupons
Blaze through the deep powder in the POW Tanto Gloves for Men. No matter how much snow comes into contact with your hands, youll feel nothing but comfort in these gloves. A material blend of durable waterproof shell, goatskin leather, and cozy micro-fleece lining offers ultimate protection from the inside out. A fitted neoprene cuff and hook and loop closure system form a barrier between your wrist and the outside world. Youll be bragging about fresh tracks and steep descents with the Tanto Gloves for Men on your side.
Specifications Shell: Softshell, Nylon, Leather
Palm: Goatskin Leather
Insert: Waterproof Hipora
Lining: Premium anti-pill polyester micro-fleece
Insulation: 4 oz. Primaloft one
Closure: Hook and Loop
Waterproof
Premium Goatskin Leather
Fitted neoprene cuff
Altrec Outdoors Coupons
ExOfficio Men's Give-and-Go Boxer: $13.80 (Amazon Gold Box Deal)
Added on : Saturday November 03rd 2012 08:00:04 PM
TextThese are EXCELLENT. Good price, and FSSS/Prime...124 Reviews. 4.5 star average.
94% Nylon / 6% Lycrar Spandex
Odor resistant and moisture wicking fabric; 94 percent nylon, 6 percent Lycra
Extremely breathable and air dries quickly; perfect for travel
Terry elastic back and functional fly
Treated with Aegis Microbe Shield to prevent and control odor-causing bacteria
Inseam of 3 inches; weighs 3 ouncesAmazon.comWell-suited for adventure and travel, the high-performance Give-N-Go Boxers from ExOfficio have built-in features to keep you dry and fresh no matter where you roam. The extremely breathable and moisture-wicking fabric is quick-drying so you can wash-and-dry on the go and pack fewer pairs, and is treated with Aegis Microbe Shield to control odor-causing bacteria, making it ideal for wear in hot, humid climates and on sweaty adventures. A terry elastic back and functional fly add comfort and convenience. Take the Give-N-Go camping, fishing, hiking, paddling, exploring, backpacking or nowhere at al.
Features:
Extremely quick-drying so you can wash on the go and pack fewer pairs
Treated with Aegis Microbe Shield to prevent and control odor-causing bacteria
Moisture-wicking and breathable
Terry elastic back and functional fly for ease Specifications:
Type: Boxer
Inseam: 3 inches
Fabric: Give-N-Go Stretch blend of 94 percent nylon, 6 percent Lycra
Weight: 3 ounces Product Description These boxers are high performance and low maintenance. Treated with Aegis Microbe Shield they're odor resistant and perfect for tricky climates and active adventures. Made from 94% Nylon/6% Spandex and are 4oz/sq yd.
Amazon Coupons
94% Nylon / 6% Lycrar Spandex
Odor resistant and moisture wicking fabric; 94 percent nylon, 6 percent Lycra
Extremely breathable and air dries quickly; perfect for travel
Terry elastic back and functional fly
Treated with Aegis Microbe Shield to prevent and control odor-causing bacteria
Inseam of 3 inches; weighs 3 ouncesAmazon.comWell-suited for adventure and travel, the high-performance Give-N-Go Boxers from ExOfficio have built-in features to keep you dry and fresh no matter where you roam. The extremely breathable and moisture-wicking fabric is quick-drying so you can wash-and-dry on the go and pack fewer pairs, and is treated with Aegis Microbe Shield to control odor-causing bacteria, making it ideal for wear in hot, humid climates and on sweaty adventures. A terry elastic back and functional fly add comfort and convenience. Take the Give-N-Go camping, fishing, hiking, paddling, exploring, backpacking or nowhere at al.
Features:
Extremely quick-drying so you can wash on the go and pack fewer pairs
Treated with Aegis Microbe Shield to prevent and control odor-causing bacteria
Moisture-wicking and breathable
Terry elastic back and functional fly for ease Specifications:
Type: Boxer
Inseam: 3 inches
Fabric: Give-N-Go Stretch blend of 94 percent nylon, 6 percent Lycra
Weight: 3 ounces Product Description These boxers are high performance and low maintenance. Treated with Aegis Microbe Shield they're odor resistant and perfect for tricky climates and active adventures. Made from 94% Nylon/6% Spandex and are 4oz/sq yd.
Amazon Coupons
$2.95 for new dot com domainscan be used to register for more than 1 domain (success with 2 domains in 1 account on 11/2/12)$4.95 mmanuts code does not work anymore today (but may work in the near future???)Use code GOFG006HI and/or GTNGEUR18 (or find/try other codes)use something like asdfklasdfjklkjkjjhghgsldfjsa.com to test the process first if you are paranoid about domain frontingSteps:1. log in to account
2. see the $2.95 promotion banner (or not, does not matter)
3. search & add a domain
4. check out to cart
5. enter a coupon code above
6. if price is $2.95, then it works (unlikely the case if you purchased recently), goto step 2 and repeat using an unused code if you want another domain 7. if price is not $2.95, find "empty cart" button and empty the cart
8. goto front page, the $2.95 banner should appear. Repeat step 3.
GoDaddy Coupons
2. see the $2.95 promotion banner (or not, does not matter)
3. search & add a domain
4. check out to cart
5. enter a coupon code above
6. if price is $2.95, then it works (unlikely the case if you purchased recently), goto step 2 and repeat using an unused code if you want another domain 7. if price is not $2.95, find "empty cart" button and empty the cart
8. goto front page, the $2.95 banner should appear. Repeat step 3.
GoDaddy Coupons
$31k in Student Loans at 3.25%, pay minimum or pay extra?
Added on : Wednesday October 31st 2012 11:00:58 AM
I started with close to $120k in student debt and have been aggressively paying it off over the last ~18 months to get to where I am today. I've focused on all of my government loans that had rates greater than 6%, and am now left with a $31k private loan with a floating rate currently at 3.25%.The minimum monthly payment is $186. I currently have $25k in a savings account for emergency or for when I may need some cash (don't currently own a car or house) that I don't plan on touching. Realistically, I can likely pay about $2k a month towards my loan, or the other option would be to continue to grow my cash base or start to invest elsewhere. I have about $30k in my 401k. If it matters, I am 30, single, no car, no house. Also, this is a slight continution from this thread: LinkWhat would you all do in my sitation? Pay down the $31k at roughly $2k a month? Or use that money elsewhere and continue to just pay the minimum while the floating rate remains fairly low?
Lenovo C325 Desktop, 30958BU for Final Price: $689 - $240 coupon = $449 + Free Shipping + Tax
Added on : Tuesday October 30th 2012 05:00:04 PM
Lenovo C325 Desktop, 30958BU, White, AMD Fusion E350 Processor (1.60 GHz), 8GB DDR3, 1TB HDD, 20" All-in-One Display, ATI Mobility Radeon 6310 Graphics, DVD Recordable, 802.11 b/g/n, Windows 7 Home Premium, Webcam for $449 at LenovoYou figured out where you want to go. You know what you want. Now for the fun partwhat features and options do you need to get there? Attention-getter, multimedia maven or gaming virtuoso - no matter what you call yourself, our IdeaPad laptops power your imagination and your sense of self-expression. They feature clever technology and a spectrum of equally smart designs. Express yourself, IdeaPad's stylish design makes these laptops ones to see and be seen with. No two people are the same. We kept that in mind when we designed the first IdeaPad laptops. Fact is, we wanted to give you options for expressing yourself. You may look at a tribal tattoo pattern and see yourself.How to get this deal:
to go to Lenovo LinkAdd to Shopping cart for $689
During checkout apply $240 Off coupon code: USPC38B1025 [Exp 11/02/2012]
Final Price: $689 - $240 coupon = $449 + Free Shipping + Tax
Lenovo Coupons
to go to Lenovo LinkAdd to Shopping cart for $689
During checkout apply $240 Off coupon code: USPC38B1025 [Exp 11/02/2012]
Final Price: $689 - $240 coupon = $449 + Free Shipping + Tax
Lenovo Coupons
Free Highly Rated 4.2 Star Kindle Book Make More, Worry Less: Secrets from 18 Extraordinary People ($27)
Added on : Monday October 29th 2012 07:00:08 PM
http://www.amazon.com/Make-More-Worry-Less-ebook/dp/B004LB5GLWThese principles will not only help you sleep at night, theyre steroids for your paycheck. This book is a cant miss if you want economic freedom without having to start your own business!Barbara Babbit Kaufman, Founder and Former CEO of Chapter 11 Book Stores As the owner of a rapidly growing global brand, our business success hinges upon employees who are willing to take the ball and run with it! If youre a business owner or executive responsible for team results, these principles will have people knocking over walls for you!Giovanni, The Margarita King Owner and Founder of The Margarita King, www.themargaritaking.com As an entrepreneur and former Wall St. investment manager, this book is easy to relate to for anyone who has ever thought about starting their own company, but just never had the perfect idea. Until that perfect idea arrives, this book provides the secret of blending whats great about corporate America with the highlights of business ownership.Kwame Jackson, Apprentice Season 1 Finalist, Entrepreneur/Speaker/Author, www.kwamejackson.com What a cool concept! Moss shows how you can find a balance between working for someone and working for yourself. Its the best of both worlds! I dont care what level you are at workyou can start today!Allison Saget, Author of The Event Marketing Handbook, www.eventblt.com Finally someone has just come out and said ityou can still get rich working for a big company! Moss shows you the way, no matter what industry youre in!Katherine Vessenes, CFP JD President of Vestment Advisors This is a great concept! As an entrepreneur, I know how hard it is to start a business from the ground up. This book reveals the secrets to business ownership without having to start from scratch. Moss has become quite an inspiration on this topicJen Klair, Founder of www.jenklairkids.com Make More. Worry Less. Everyone wants to do thatbut how? And how can you do it within the organization, where most people will spend their entire working lives? This book has the answers. No academic theory here: Make More, Worry Less brings together 18 riveting stories from people whove achieved both of these goals, gaining surprising wealth and real peace of mind along the way. These arent superheroes. Theyre ordinary people whove done the extraordinary: from fast-food worker Linda Robb, now earning a six-figure income at Aflac, to once lowly telemarketer Steve Hudson, now running business development at one of the most promising start-up companies in the nation. Author and radio host Wes Moss reveals the powerful lessons these individuals have learned. Better yet, he shows how you can use those lessons to take ownership of your life and career, earning more money than you ever thought possible. But thats only half the equation! Moss also shows how to handle your increased success with less stress, fewer worries, and greater happiness.Every single story in this book is accompanied by specific tips, tricks, steps
Oakley Crowbar Goggle (63% OFF) $49.99 + Free Shipping @ Altrec
Added on : Monday October 29th 2012 08:00:06 AM
Oakley Crowbar Goggle (63% OFF) $49.99 + Free Shipping @ Altrechttp://outlet.altrec.com/Description
Whether you're nowboarding Whistler, skiing Mad River Glen or snowmobiling in Montana, the Oakley Crowbar Snow Goggles provide all-day comfort as well as maximum protection and performance. The lenses in these ski goggles are Plutonite to filter out all UV rays and harmful blue light, and they are treated with an anti-fog finish for crystal clear visibility. The frame is the first of its kind, distributing frame pressure with struts and designed to match the contours of the human face. High tech silicone backing on the strap keeps it in place and triple-layer face foam wicks away sweat when all those 360s start to warm you up. With the usual streamlined, all-or-nothing style that Oakley boasts, these Oakley goggles will look awesome as you gaze upon your kingdom of untracked powder before dropping in to lay waste to the bowl.
Specifications Increased lens sizing for greater visual range
Flexible O Matter chassis
Rigid O Matter strap connections provide even distribution of goggle pressure
Triple fleece face foam for maximum moisture wicking and comfort
Re-designed facial fit contour
Metal icon accent
Anti-fog treated ballistic lens
Patented XYZ Optics
Plutonite lens material provides 100% protection against UVA, UVB, UVC and harmful blue light
Designed for medium faces
Altrec Outdoors Coupons
Whether you're nowboarding Whistler, skiing Mad River Glen or snowmobiling in Montana, the Oakley Crowbar Snow Goggles provide all-day comfort as well as maximum protection and performance. The lenses in these ski goggles are Plutonite to filter out all UV rays and harmful blue light, and they are treated with an anti-fog finish for crystal clear visibility. The frame is the first of its kind, distributing frame pressure with struts and designed to match the contours of the human face. High tech silicone backing on the strap keeps it in place and triple-layer face foam wicks away sweat when all those 360s start to warm you up. With the usual streamlined, all-or-nothing style that Oakley boasts, these Oakley goggles will look awesome as you gaze upon your kingdom of untracked powder before dropping in to lay waste to the bowl.
Specifications Increased lens sizing for greater visual range
Flexible O Matter chassis
Rigid O Matter strap connections provide even distribution of goggle pressure
Triple fleece face foam for maximum moisture wicking and comfort
Re-designed facial fit contour
Metal icon accent
Anti-fog treated ballistic lens
Patented XYZ Optics
Plutonite lens material provides 100% protection against UVA, UVB, UVC and harmful blue light
Designed for medium faces
Altrec Outdoors Coupons
Request a Free Braille CalendarTo request a calendar, you may use the comment feature at the end of this blog post, or call Carolyns Braille Services at 425-778-8428.To protect your privacy, please dont post your mailing address in the comment. I will email you to ask for a mailing address soon after I read your request.Calendars will be sent FREE MATTER FOR THE BLIND to those eligible for this mailing privilege.The calendars are provided by the American Action Fund for Blind Children and Adults, Tarzana, California.The comb-bound calendar measures a handy 6 by 6 1/2 inch
Free distribution to braille readershttp://cmbrailleservices.com/
Free distribution to braille readershttp://cmbrailleservices.com/
Office Depot FAR software for the week of 10/28/2012 (McAfee 2013 title $9.99 after $51 rebate)
Added on : Friday October 26th 2012 12:00:06 AM
Office Depot FAR software for the week of 10/28/2012 (McAfee 2013 title $9.99 after $51 rebate)
Another bad week at Office Depot but might be worth it if your local Office Depot accepts competitor coupons. Will update to my usual standards no later than Saturday. McAfee Internet Security 2013 for 3 PCs Item #830-698
$9.99 After $9 Instant & $51 Mfr. Mail-In Savings
In Store Price $60.99 --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK--------------------
Office Depot Coupons
Another bad week at Office Depot but might be worth it if your local Office Depot accepts competitor coupons. Will update to my usual standards no later than Saturday. McAfee Internet Security 2013 for 3 PCs Item #830-698
$9.99 After $9 Instant & $51 Mfr. Mail-In Savings
In Store Price $60.99 --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------The following search should return most earlier "Office Depot FAR software" threads: SEARCH LINK--------------------
Office Depot Coupons
Up to 65% Off Puma Shoes and Clothing @ 6PM - Up to 65% off
Added on : Wednesday October 24th 2012 05:00:10 PM
0 Posted By: FatWalletTopDeals
Views: 352 Replies: 0
Up to 65% Off Puma Shoes and Clothing @ 6PM - Up to 65% off
Free Shipping!
Expires On: Oct 26, 2012 10:59pm
More than 1000 styles of shoes, for men, women and children, as well as clothing and a smattering of accessories.
Some styles are actually discounted 81% off list, but selection picks up around 65% off.
(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
6PM Coupons
Views: 352 Replies: 0
Up to 65% Off Puma Shoes and Clothing @ 6PM - Up to 65% off
Free Shipping!
Expires On: Oct 26, 2012 10:59pm
More than 1000 styles of shoes, for men, women and children, as well as clothing and a smattering of accessories.
Some styles are actually discounted 81% off list, but selection picks up around 65% off.
(FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
6PM Coupons
$27 for 2 Hollywood Movie Money Admissions and $50 of Discount Dining Dollars ($76 Value)
Added on : Monday October 22nd 2012 06:00:06 PM
LinkClick here for a list of participating theaters.Click here and enter your zip code to preview the list of participating restaurants in your area.
$27 for 2 Hollywood Movie Money Admissions and $50 of Discount Dining Dollars ($76 Value)64% off an exclusive movie and dining packageDinner and a movie: It's an oldie but a goodie! Make sure you're getting the most out of your trip to the cinema with today's deal. Use your one-time Hollywood Movie Money certificate to purchase admission for two adults to see any showing of any movie at any participating theater around the country. Your $50 in Discount Dining Dollars, valid for an entire year, will ensure that your trip is complete no matter who you take. With more than 15,000 participating restaurants across the country, you'll be sure to find the perfect meal to accompany your movie. Whether you're in the mood for a cheeseburger and action flick, ice cream and a rom-com, or anything else, you'll satisfy your taste for every genre and cuisine with this deal!
Details PROMOTIONAL VALUE OF OFFER EXPIRES 11/30/2012
PAID VALUE EXPIRES 11/30/2012
VOUCHER CAN BE REDEEMED BEGINNING 10/22/2012
LIMITED QUANTITY AVAILABLE
LIMIT 1 PER CUSTOMER
ADDITIONAL DETAILS: The Hollywood Movie Money certificate is valid for 2 adult admissions (up to $26 total) to see any movie, at any showing, including those designated as "no coupons, no passes" in any participating theater in the U.S. Your reward code must be activated online by 11/30/2012. Printed certificates expire 1 month from online code activation or 12/31/2012, whichever comes first. If lost, cannot be replaced. Void if resold. No reproductions will be accepted. No change will be provided. Not valid with any other offer. Click here for a list of participating theaters. Hollywood Movie Money is marketed by Quantum Rewards issued by MetaBank, Member FDIC. Your Discount Dining Dollars account is good for 1 year from the date of activation and valid at more than 15,000 restaurants. Click here and enter your zip code to preview the list of participating restaurants in your area. Dining Dollars do not have to be used all at once.
REDEMPTION INSTRUCTIONS: After purchasing this deal, please click here to redeem. Enter the reward code from your voucher then follow the below redemption instructions. Once a code has been activated on brandlava.com customers may not return their voucher for a refund. HOLLYWOOD MOVIE MONEY REDEMPTION INSTRUCTIONS: Hollywood Movie Money Redemption instructions will be provided after Brand Lava code activation. DISCOUNT DINING DOLLARS REDEMPTION INSTRUCTIONS: To activate your account, visit DiscountDiningDollars.com and enter your account number and associated passcode. You will be prompted for additional information, which you will only have to enter the first time you log in with that account.
$27 for 2 Hollywood Movie Money Admissions and $50 of Discount Dining Dollars ($76 Value)64% off an exclusive movie and dining packageDinner and a movie: It's an oldie but a goodie! Make sure you're getting the most out of your trip to the cinema with today's deal. Use your one-time Hollywood Movie Money certificate to purchase admission for two adults to see any showing of any movie at any participating theater around the country. Your $50 in Discount Dining Dollars, valid for an entire year, will ensure that your trip is complete no matter who you take. With more than 15,000 participating restaurants across the country, you'll be sure to find the perfect meal to accompany your movie. Whether you're in the mood for a cheeseburger and action flick, ice cream and a rom-com, or anything else, you'll satisfy your taste for every genre and cuisine with this deal!
Details PROMOTIONAL VALUE OF OFFER EXPIRES 11/30/2012
PAID VALUE EXPIRES 11/30/2012
VOUCHER CAN BE REDEEMED BEGINNING 10/22/2012
LIMITED QUANTITY AVAILABLE
LIMIT 1 PER CUSTOMER
ADDITIONAL DETAILS: The Hollywood Movie Money certificate is valid for 2 adult admissions (up to $26 total) to see any movie, at any showing, including those designated as "no coupons, no passes" in any participating theater in the U.S. Your reward code must be activated online by 11/30/2012. Printed certificates expire 1 month from online code activation or 12/31/2012, whichever comes first. If lost, cannot be replaced. Void if resold. No reproductions will be accepted. No change will be provided. Not valid with any other offer. Click here for a list of participating theaters. Hollywood Movie Money is marketed by Quantum Rewards issued by MetaBank, Member FDIC. Your Discount Dining Dollars account is good for 1 year from the date of activation and valid at more than 15,000 restaurants. Click here and enter your zip code to preview the list of participating restaurants in your area. Dining Dollars do not have to be used all at once.
REDEMPTION INSTRUCTIONS: After purchasing this deal, please click here to redeem. Enter the reward code from your voucher then follow the below redemption instructions. Once a code has been activated on brandlava.com customers may not return their voucher for a refund. HOLLYWOOD MOVIE MONEY REDEMPTION INSTRUCTIONS: Hollywood Movie Money Redemption instructions will be provided after Brand Lava code activation. DISCOUNT DINING DOLLARS REDEMPTION INSTRUCTIONS: To activate your account, visit DiscountDiningDollars.com and enter your account number and associated passcode. You will be prompted for additional information, which you will only have to enter the first time you log in with that account.
Oakley A Frame Snow Goggle $49.99 + Free Shipping @ Altrec
Added on : Monday October 22nd 2012 11:00:04 AM
Oakley A Frame Snow Goggle $49.99 + Free Shipping @ Altrechttp://outlet.altrec.com/Description
Developed for small to medium faces, the Oakley A Frame Snow Goggle offers a Polaric Ellipsoid profile that's similar to the Oakley Wisdom Goggle, but without the almost-alien styling elements. The lower vents feature foam plugs that some consider more conducive to airflow than the perforated O Matter lower vents on the Wisdom Goggle. The plush triple-layered foam gasket features varied densities that conform to your facial features with far more comfort than traditional goggle designs, giving you a combination of peripheral clarity and fit that blow away the competition.
Specifications 100% UVA, UVB and UVC protection
Plush, triple-layer foam gasket
Foam vent opening directs air flow away from eyes
Never use paper products, ski gloves or other abrasive materials to wipe goggle lens surfaces
Designed to fit small and medium faces
Oakley does not warranty the goggle lens against scratches
Altrec Outdoors Coupons
Developed for small to medium faces, the Oakley A Frame Snow Goggle offers a Polaric Ellipsoid profile that's similar to the Oakley Wisdom Goggle, but without the almost-alien styling elements. The lower vents feature foam plugs that some consider more conducive to airflow than the perforated O Matter lower vents on the Wisdom Goggle. The plush triple-layered foam gasket features varied densities that conform to your facial features with far more comfort than traditional goggle designs, giving you a combination of peripheral clarity and fit that blow away the competition.
Specifications 100% UVA, UVB and UVC protection
Plush, triple-layer foam gasket
Foam vent opening directs air flow away from eyes
Never use paper products, ski gloves or other abrasive materials to wipe goggle lens surfaces
Designed to fit small and medium faces
Oakley does not warranty the goggle lens against scratches
Altrec Outdoors Coupons
Phonic MK50 Keyboard Amplifier $129.99 + Free Shipping @ musiciansfriend
Added on : Friday October 19th 2012 08:00:06 AM
Phonic MK50 Keyboard Amplifier $129.99 + Free Shipping @ MusiciansFriendhttp://www.musiciansfriend.com/stupid/?icid=200510
Product DescriptionThe Phonic MK50 keyboard amplifier provides you the reliability and stability you need. Whether you need amplification for gigs or simply jamming alone, the MK50 keyboard amp is designed for demanding performance applications. It features a 12" custom woofer and tweeter, 2 - 1/4" inputs with level controls, a CD input through stereo RCA connectors, and a headphone and external speaker jack. The keyboard speaker also includes an insert point for adding external effects, a 4-band equalizer, a built-in reverb engine, and a peak LED light. The adjustable cabinet design allows you to place the amp in traditional, vertical, or studio monitor positioning while the steel grille protects the MK50 amp's components no matter what position it's in.
Features 12" custom woofer and tweeter
2 - 1/4" inputs with level controls
CD input through stereo RCA connectors
Headphone output jack
External speaker jack
Insert point for adding external effects
4-band EQ
Internal limiter
Peak LED
Master volume control
Reverb engine built-in
High-quality woofer and tweeters
Adjustable cabinet design for traditional, vertical, or studio monitor positioning
Steel grille protect components
Musicians Friend Coupons
Product DescriptionThe Phonic MK50 keyboard amplifier provides you the reliability and stability you need. Whether you need amplification for gigs or simply jamming alone, the MK50 keyboard amp is designed for demanding performance applications. It features a 12" custom woofer and tweeter, 2 - 1/4" inputs with level controls, a CD input through stereo RCA connectors, and a headphone and external speaker jack. The keyboard speaker also includes an insert point for adding external effects, a 4-band equalizer, a built-in reverb engine, and a peak LED light. The adjustable cabinet design allows you to place the amp in traditional, vertical, or studio monitor positioning while the steel grille protects the MK50 amp's components no matter what position it's in.
Features 12" custom woofer and tweeter
2 - 1/4" inputs with level controls
CD input through stereo RCA connectors
Headphone output jack
External speaker jack
Insert point for adding external effects
4-band EQ
Internal limiter
Peak LED
Master volume control
Reverb engine built-in
High-quality woofer and tweeters
Adjustable cabinet design for traditional, vertical, or studio monitor positioning
Steel grille protect components
Musicians Friend Coupons
Polk Audio CS2 Cherry Center Channel Loudspeaker $79.99 FS @ newegg
Added on : Tuesday October 16th 2012 01:00:08 PM
Polk Audio CS2 Cherry Center Channel Loudspeaker $79.99 FS @ Newegghttp://www.newegg.com/Product/Product.aspx?Item=N82E16882290023$20 off w/ promo code EMCJNJD229, ends 10/22 Polk's Monitor Series has been the gold standard of speakers since the 1970's. The CS1 center channel is a perfect accompaniment with accurate sound with strong bass and exception aural imaging. Polk made the enclosures out of MDF to be uniform in density and not resonate. They've also included " thick baffles to help produce clear lifelike sound.The two 6.5" cones are made from a bi-laminate composite for an optimal balance of weight and rigidity. The small driver delivers a wide open sound and exceptional responsiveness. The 1" tweeter is a fabric/polymer composite the responds swiftly to the high efficiency Neodymium magnet. The crossovers between the drivers use Mylar bypass capacitors to let all of the details in the higher frequencies shine through.No matter how good they sound, they have to look good too. Their contemporary look compliments today's flat panel televisions and modern decorating styles. They are magnetically shielded so you can place them near your electronics.
Newegg Coupons
Newegg Coupons
Oakley Disclosure Sunglasses Women's $44.99FS on $50+http://oakleyvault.com/product/oakley-disclosure/OO9130-07Lens: Optimized peripheral vision and side protection of 8.75 base lens curvature
Optical precision and impact resistance meet or exceed Z87.1 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
Glare reduction and tuned light transmission of Iridium lens coating (optional)
Available with Oakley prescription lensesFrame: Durability and allday comfort of lightweight, stressresistant O Matter frame material
Comfort and performance of ThreePoint Fit that holds lenses in precise optical alignment
Patented hydrophilic Unobtainium earsocks and nosepads ensure a snug, secure fit
Metal icon accents
Optical precision and impact resistance meet or exceed Z87.1 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
Glare reduction and tuned light transmission of Iridium lens coating (optional)
Available with Oakley prescription lensesFrame: Durability and allday comfort of lightweight, stressresistant O Matter frame material
Comfort and performance of ThreePoint Fit that holds lenses in precise optical alignment
Patented hydrophilic Unobtainium earsocks and nosepads ensure a snug, secure fit
Metal icon accents
I am in the process of refinancing and the broker I am working with pulls my FICO scores from all 3 bureaus and tells me that it is the middle number that matters.I refinanced my auto loans with NFCU last month and as part of the process they sent me my credit score, which turned out to be 778. My credit score if I look on Cedit Karma is 786.My lender tells me before entering the refinance process that in order to get the best pricing I need to be above 760. I feel confident that I am well above that based on the score I got from refinancing my auto and Credit Karma.The borker proceeds and pulls my numbers and here is where they land:Equifax: 732
Experian: 736
Transunion: 748I get an explanation with each score and they all pretty much match:
08 - TOO MANY INQUIRIES LAST 12 MONTHS
05 - TOO MANY ACCOUNTS WITH BALANCES
09 - TOO MANY ACCOUNTS RECENTLY OPENEDI don't carry any balances, all my credit, except auto, student loan and mortgage is paid off monthly; I use several cards to maximize rewards.My questions are could an auto refi drop my score 30-40 points so quickly? How can anyone really know their score before paying in the refi process? The broker I am woring with told me that there are all sorts of scores and an Auto FICO score may not be the same or even close to a score used in a REFI. If this is true how can one know and manage multiple scores? Seems like a crap shoot to me; You think you know your scores, a bank even tells you your score then you need to refi and are told your scores aren't close to what you thought they were.
Experian: 736
Transunion: 748I get an explanation with each score and they all pretty much match:
08 - TOO MANY INQUIRIES LAST 12 MONTHS
05 - TOO MANY ACCOUNTS WITH BALANCES
09 - TOO MANY ACCOUNTS RECENTLY OPENEDI don't carry any balances, all my credit, except auto, student loan and mortgage is paid off monthly; I use several cards to maximize rewards.My questions are could an auto refi drop my score 30-40 points so quickly? How can anyone really know their score before paying in the refi process? The broker I am woring with told me that there are all sorts of scores and an Auto FICO score may not be the same or even close to a score used in a REFI. If this is true how can one know and manage multiple scores? Seems like a crap shoot to me; You think you know your scores, a bank even tells you your score then you need to refi and are told your scores aren't close to what you thought they were.
Help/Advice Needed: Auto Accident - Law Office demands payment
Added on : Thursday October 11th 2012 03:00:50 PM
Short Story:
-rented a car, waived the insurance, paid with AMEX (secondary protection)
-totalled the car in CA, let my insurance and AMEX handle the claim, but the car rental co was not very cooperative
-9 months passed, during which my insurance and AMEX were making partial payments (b/c autorental could not prove or fail to submit detailed documentation)
-apparently autorental hired a law office to "speed up" the process which billed me directly w/o explaining what for (after back and forth with my intermediation all damages were covered)
-law office added $150 fee which they did not give good explanation and therefore unpaid by my insurance and AMEX
-now they threaten me with legal action and debt collection (they say it is past due but i never agreed to the fee or terms)plan of action?
fight: a matter of principle since I did not hire them? potential gain if i go codename47 on them?
or just pay: $150 is not a lot of money for me, but opportunity cost (credit card sigh up bonuses) could be much higher while my credit report is "messed up"Thank you
-rented a car, waived the insurance, paid with AMEX (secondary protection)
-totalled the car in CA, let my insurance and AMEX handle the claim, but the car rental co was not very cooperative
-9 months passed, during which my insurance and AMEX were making partial payments (b/c autorental could not prove or fail to submit detailed documentation)
-apparently autorental hired a law office to "speed up" the process which billed me directly w/o explaining what for (after back and forth with my intermediation all damages were covered)
-law office added $150 fee which they did not give good explanation and therefore unpaid by my insurance and AMEX
-now they threaten me with legal action and debt collection (they say it is past due but i never agreed to the fee or terms)plan of action?
fight: a matter of principle since I did not hire them? potential gain if i go codename47 on them?
or just pay: $150 is not a lot of money for me, but opportunity cost (credit card sigh up bonuses) could be much higher while my credit report is "messed up"Thank you
Oakley Catapult Snow Goggles $29.99 - $44.99 @ Altrec
Added on : Thursday October 11th 2012 07:00:09 AM
Oakley Catapult Snow Goggles $29.99 - $44.99 @ Altrechttp://outlet.altrec.com/FS on $48+
$6.95 S/HDescription
Let Oakleys Catapult Snow Goggles propel you into a whole new experience this winter. No ordinary goggle, the Catapults lens is super flexible and strong at the same time. A strap clip system allows for a snug fit with any helmet and the polar fleece layer allows sweat wicking action and warmth. Lexan fortified lenses protect you from UVA, UVB, UVC, harmful blue light and just about anything that wily sun tries to throw at you while youre out shredding. 20/20 is all yours with the Catapult Snow Goggles.
Specifications Designed to fit over Prescription eyewear
O-Matter chassis
Articulating/interchangeable O Matter strap attachments
Moisture wicking triple-layer polar fleece foam
Dual vented lenses with F2 anti-fog technology
Lexan lens
100% protection against UVA, UVB, UVC and harmful blue light
Iridium lens coating (optional) Optimized to fit most faces
Altrec Outdoors Coupons
$6.95 S/HDescription
Let Oakleys Catapult Snow Goggles propel you into a whole new experience this winter. No ordinary goggle, the Catapults lens is super flexible and strong at the same time. A strap clip system allows for a snug fit with any helmet and the polar fleece layer allows sweat wicking action and warmth. Lexan fortified lenses protect you from UVA, UVB, UVC, harmful blue light and just about anything that wily sun tries to throw at you while youre out shredding. 20/20 is all yours with the Catapult Snow Goggles.
Specifications Designed to fit over Prescription eyewear
O-Matter chassis
Articulating/interchangeable O Matter strap attachments
Moisture wicking triple-layer polar fleece foam
Dual vented lenses with F2 anti-fog technology
Lexan lens
100% protection against UVA, UVB, UVC and harmful blue light
Iridium lens coating (optional) Optimized to fit most faces
Altrec Outdoors Coupons
Hi,I'm going to have to purchase a semi expensive ticket on Cathay Pacific either today or tomorrow. I'm looking to maximize points or miles on the purchase, but aside from joining the AA club, I haven't been able to find much. Are there any bonuses I'm missing out on? I'm most likely going to book it to a 1.5% CB reward card, but I am open to better suggestions. If it matters, I have a good amount of Delta Skymiles already along with AMEX points, TY points and will receive points from USBank.Thank you,
GreyRabbit.
GreyRabbit.
The Beginning Of The End: One and Two(The T.B.O.T.E. Series) Books 1 & 2Blood and Snow (Blood and Snow, Revenant in Training, The Vampire Christopher, Blood Soaked Promises) Books 1-4The Danger of Being Me Spiral(Spiral Series)A Matter of Circumstance and CelludronesFear and AggressionAlone in the woodsReawakening Sara, a Canadian SagaThe Silent Star ~ plus a dozenFurther Than FateAutumn's Flame Earth Cell: The Ux-Blood Trilogy, Book 1
Witchblood: The Ux-Blood Trilogy, Book IITerrorcruiseThe Colors of Elberia; Book 1 of The Black Blade Trilogy
The Legacy of the Tareks; Book 2 of The Black Blade Trilogy
The Power of the Tech; Book 3 of The Black Blade TrilogyRowena Through the Wall: Expanded EditionDeadlocked (Lou Mason Thrillers)Silver Lies: A Silver Rush Mystery (Silver Rush Mysteries)THE SHIFTER DIMENSION (Starbirth)DARK POWERS (Decorah Security)Ascension (House of New Gods Series-Book 2)The Fire OpalNirvana Effect AbaddonDemonworld Book 2: The Pig DevilsElseerian (The Chronicles of Lumineia #1)Floodwater Zombies: A NovelThe BeckoningAfternight The Widow Wildblood The Folks at Fifty-EightVoodoo or Die (Mojo, Louisiana humorous mystery series #2)Optical Delusions in Deadwood (Deadwood Mystery Series #2)
Witchblood: The Ux-Blood Trilogy, Book IITerrorcruiseThe Colors of Elberia; Book 1 of The Black Blade Trilogy
The Legacy of the Tareks; Book 2 of The Black Blade Trilogy
The Power of the Tech; Book 3 of The Black Blade TrilogyRowena Through the Wall: Expanded EditionDeadlocked (Lou Mason Thrillers)Silver Lies: A Silver Rush Mystery (Silver Rush Mysteries)THE SHIFTER DIMENSION (Starbirth)DARK POWERS (Decorah Security)Ascension (House of New Gods Series-Book 2)The Fire OpalNirvana Effect AbaddonDemonworld Book 2: The Pig DevilsElseerian (The Chronicles of Lumineia #1)Floodwater Zombies: A NovelThe BeckoningAfternight The Widow Wildblood The Folks at Fifty-EightVoodoo or Die (Mojo, Louisiana humorous mystery series #2)Optical Delusions in Deadwood (Deadwood Mystery Series #2)
Klean Kanteen 27oz Kanteen Stainless Steel Water Bottle with Sports Cap $9.99 + $6.95 S/H @ Altrec
Added on : Wednesday October 10th 2012 04:00:05 AM
Klean Kanteen 27oz Kanteen Stainless Steel Water Bottle with Sports Cap $9.99 + $6.95 S/H @ Altrechttp://outlet.altrec.com/Description
Klean Kanteen's most popular size, the 27oz Kanteen Stainless Steel Water Bottle with Sports Cap is perfect for your on-the-go life. Whether you're trying to juggle a full day of classes or work, the kids' extracurricular schedules, or a trip to dog park between your workout and happy hour, just one or two fill-ups will help you stay hydrated and happy all day.
Specifications Material: high quality, 18/8, food-grade stainless steel
Totally free of BPA and other toxins
Food-grade stainless steel doesn't retain or impart flavors. No matter how many times you refill it, no matter what you put into it
New and improved Sport Cap 2.0 is six times stronger and more impact resistant
Large-mouth design fits ice cubes and makes cleaning your Klean Kanteen Classic as simple as scrubbing it with soap and water or throwing it in the dishwasher
Slim design fits into just about any cup holder
Small and lightweight
Weight: 40oz w/ SPORT cap
Altrec Outdoors Coupons
Klean Kanteen's most popular size, the 27oz Kanteen Stainless Steel Water Bottle with Sports Cap is perfect for your on-the-go life. Whether you're trying to juggle a full day of classes or work, the kids' extracurricular schedules, or a trip to dog park between your workout and happy hour, just one or two fill-ups will help you stay hydrated and happy all day.
Specifications Material: high quality, 18/8, food-grade stainless steel
Totally free of BPA and other toxins
Food-grade stainless steel doesn't retain or impart flavors. No matter how many times you refill it, no matter what you put into it
New and improved Sport Cap 2.0 is six times stronger and more impact resistant
Large-mouth design fits ice cubes and makes cleaning your Klean Kanteen Classic as simple as scrubbing it with soap and water or throwing it in the dishwasher
Slim design fits into just about any cup holder
Small and lightweight
Weight: 40oz w/ SPORT cap
Altrec Outdoors Coupons
The North Face Denali Thermal Jacket - Womens $114.95 + Free Shipping @ usoutdoor
Added on : Wednesday October 10th 2012 04:00:04 AM
the north face Denali Thermal Jacket - Womens $114.95 + Free Shipping @ usoutdoorhttp://www.usoutdoor.com/deal/When the mercury dances between frosty and damn its cold out frigid, the north face Denali Thermal jacket made with Polartec Thermal Pro fabric will make sure youre not shivering by the fire missing out but rather out walking in the winter wonderland soaking up some winter sun and fun. Classic and timeless, the Denali Thermal Jacket by the north face is made from a high loft fleece that is sensuously soft, breathable, and downright cozy. As a matter of fact the fleece is also four times more wind resistant than many fleece counter parts, so let that Noreaster blow. This North Face jacket is incredibly impressive and stylish with bound cuffs, Napoleon pocket, two hand pockets and finished with a hem cinch cord, to further keep out the drafts. It is also zip in compatible, so you can layer something from North face and waterproof over the top. So let the wind blow youre good to go.
Sears card reported a past due to credit agencies. Pre-Approval issues
Added on : Tuesday October 09th 2012 11:00:50 PM
Hello Seniors,I have a Sears card which is not my primary card and its really old. I forgot to updated my EZPass which had this card for auto billing. Now I missed 2 small payments of 50 dollars and without even giving a courtesy call (not sure if they would want to) that my account is past due they reported this matter to all three agencies. This all came out when I applied for pre-approval for a loan. As suggested by the mortgage agent, I called Sears and requested them to clear it off from my history, the supervisor said they will credit the late payment fee and they will try to get it removed. After 7 days I got a letter today that they could not remove it from the record as the information passed was correct. At this point I am very upset and not sure what to do. Any advise will be helpful.Regards,
HOA Construction Defect Settlement and my Retaining Wall
Added on : Tuesday October 09th 2012 01:00:57 PM
My wife and I bought our first house in Nov 2010. At the time of purchase I was provided with no knowledge of any issues regarding the ten foot wall, on the east side of our property, which retains our yard from a golf course. Last summer (2011) our neighbor informed us of defects with the golf course walls that had been identified as early as 2008 when the association received settlement resulting from a law suit. This was the first we heard about the wall having issues; neither the selling agent nor our inspector revealed this information to us at the time of purchase. Because I did not live in the community at the time of the settlement I am going to provide the email from my neighbor (who is also our sub-association HOA president) on the issue.
It has ALWAYS been my position that ALL "block wall and pillars" contained in the "Golf Course Wall" surrounding the communities of [sub association #1], [sub association #2], [sub association #3], [sub association #4] and [sub association #5] were included in the Construction Defect lawsuit [settled in 2008] and should be fixed using the subsequent settlement monies. I have personally accompanied members of the [Master Association] Board of Directors to inspect the sections of the wall that seem to be the most affected. The eastern wall of trekwars2000's property is certainly the most affected. As his neighbor to the north, I have personally requested/pleaded with the [Master Association] Board to fix his wall as a matter of health and safety utilizing the money set aside in the Construction Defect settlement to no avail. The prior owners of the property also requested the allotted Construction Defect money be used to remedy the situation but then finally gave up as they knew they did not have the financial means to "fight the fight".
That being said, for reasons only they know, the other [Master Association] Board members in office when the Construction Defect money distribution was determined, VOTED OVER MY OBJECTIONS, to define the term Golf Course Wall, to include "ONLY THE CONCRETE CAPS AND ROD IRON FENCING" AND NOT INCLUDE THE ENTIRE CONCRETE BLOCK SECTIONS.
I obviously still, to this day, disagree with their decision and, for the life of me, cannot figure out why the money awarded to [my Sub Association] in the construction Defect settlement and which still remains as a deposit in the [our Sub Association] reserve fund, cannot be used to fix trekwars2000's wall/pillars: a wall and pillars that were constructed at the same time as the caps and fencing were installed.
If I were trekwars2000, I would think it is about time to "fight the fight" and I would certainly support his position.
In discussions with my neighbor there was some "shady stuff" going on within the board at the time and he believes that the reason they will not replace my wall is three fold:1) An owner in another sub association paid for and replaced their retaining wall themselves.2) The board wanted to spend as little money as they could out of the Construction Defect lawsuit on actually replacing things that were wrong to fund a new community entry way. 3) The board's stance is that overwatering caused the retaining wall issues, not construction defect. However, in addition to the builder who constructed the golf course walls, the landscapers (who put in the irrigation on my property) were also in the settlement.
All this said, the money still exists in a reserve fund. It sits in a fund within the master association that is specifically labeled for our sub association. At the recommendation of my neighbor, the first step is to write a letter to my sub association board and ask that money from the Construction Defect settlement be used to repair my retaining wall and they should approve it. They will then take it to the master association where it will likely be denied. I would guess the step after that would be to retain counsel and sue the master association? What can I expect? If we win the suit can we sue them for lawyer costs as well as the cost to repair the wall? On a side note, do I have any recourse with the sellers agent for not disclosing the damage to the retaining wall or my original inspector for missing it?
Could this be an issue for my homeowners insurance or do they only cover inside my house?Thanks all for reading this - the wife and I are very nervous about this, but feel the best thing going forward is to fight for replacement. It leaves a bit of a sour taste in our mouth to think about having to replace it ourselves when the community received money in a settlement to fix the "golf course walls".
It has ALWAYS been my position that ALL "block wall and pillars" contained in the "Golf Course Wall" surrounding the communities of [sub association #1], [sub association #2], [sub association #3], [sub association #4] and [sub association #5] were included in the Construction Defect lawsuit [settled in 2008] and should be fixed using the subsequent settlement monies. I have personally accompanied members of the [Master Association] Board of Directors to inspect the sections of the wall that seem to be the most affected. The eastern wall of trekwars2000's property is certainly the most affected. As his neighbor to the north, I have personally requested/pleaded with the [Master Association] Board to fix his wall as a matter of health and safety utilizing the money set aside in the Construction Defect settlement to no avail. The prior owners of the property also requested the allotted Construction Defect money be used to remedy the situation but then finally gave up as they knew they did not have the financial means to "fight the fight".
That being said, for reasons only they know, the other [Master Association] Board members in office when the Construction Defect money distribution was determined, VOTED OVER MY OBJECTIONS, to define the term Golf Course Wall, to include "ONLY THE CONCRETE CAPS AND ROD IRON FENCING" AND NOT INCLUDE THE ENTIRE CONCRETE BLOCK SECTIONS.
I obviously still, to this day, disagree with their decision and, for the life of me, cannot figure out why the money awarded to [my Sub Association] in the construction Defect settlement and which still remains as a deposit in the [our Sub Association] reserve fund, cannot be used to fix trekwars2000's wall/pillars: a wall and pillars that were constructed at the same time as the caps and fencing were installed.
If I were trekwars2000, I would think it is about time to "fight the fight" and I would certainly support his position.
In discussions with my neighbor there was some "shady stuff" going on within the board at the time and he believes that the reason they will not replace my wall is three fold:1) An owner in another sub association paid for and replaced their retaining wall themselves.2) The board wanted to spend as little money as they could out of the Construction Defect lawsuit on actually replacing things that were wrong to fund a new community entry way. 3) The board's stance is that overwatering caused the retaining wall issues, not construction defect. However, in addition to the builder who constructed the golf course walls, the landscapers (who put in the irrigation on my property) were also in the settlement.
All this said, the money still exists in a reserve fund. It sits in a fund within the master association that is specifically labeled for our sub association. At the recommendation of my neighbor, the first step is to write a letter to my sub association board and ask that money from the Construction Defect settlement be used to repair my retaining wall and they should approve it. They will then take it to the master association where it will likely be denied. I would guess the step after that would be to retain counsel and sue the master association? What can I expect? If we win the suit can we sue them for lawyer costs as well as the cost to repair the wall? On a side note, do I have any recourse with the sellers agent for not disclosing the damage to the retaining wall or my original inspector for missing it?
Could this be an issue for my homeowners insurance or do they only cover inside my house?Thanks all for reading this - the wife and I are very nervous about this, but feel the best thing going forward is to fight for replacement. It leaves a bit of a sour taste in our mouth to think about having to replace it ourselves when the community received money in a settlement to fix the "golf course walls".
Kamik Women's Chicago Snow Boots (Was $89.95) $35.99 @ Altrec
Added on : Tuesday October 09th 2012 05:00:07 AM
Kamik Women's Chicago Snow Boots (Was $89.95) $35.99 @ Altrec http://outlet.altrec.com/Use code THANKS10 for $4 OFF$6.95 shipping
FS on $48+Description
Turn the Windy City's Lakefront Trail in January, into a cozy stroll, in your Women's Kamik Chicago Snow Boot. Completely waterproof, and comfort rated down to -40 degrees F, this 10 in tall boot will wrap your foot in warmth and sleek style. The DriDefense waterproof bootie construction backs up the waterproof Icebug nylon upper giving you multiple lines of defense. Foam and fleece insulation traps body heat while wicking away perspiration, and a rustproof zipper makes it easy to pull the boot on or off. A comfort molded EVA footbed supplies cushioning and sits atop a Kamik lugged CITY rubber outsole. Get traction, comfort, and delicious warmth, no matter how deep the snow, or how cold the wind, in the Chicago Snow Boot for women from Kamik.
Specifications Upper: Waterproof Icebug nylon
Comfort rated to -40 degrees F
DriDefense waterproof bootie construction
Foam & fleece insulation
Rustproof inside zipper
Footbed: Comfort molded EVA
Outsole: CITY rubber outsole
Height: 10 inches
Weight (1/2 pair) 1.3 lbs (size 8)
Altrec Outdoors Coupons
FS on $48+Description
Turn the Windy City's Lakefront Trail in January, into a cozy stroll, in your Women's Kamik Chicago Snow Boot. Completely waterproof, and comfort rated down to -40 degrees F, this 10 in tall boot will wrap your foot in warmth and sleek style. The DriDefense waterproof bootie construction backs up the waterproof Icebug nylon upper giving you multiple lines of defense. Foam and fleece insulation traps body heat while wicking away perspiration, and a rustproof zipper makes it easy to pull the boot on or off. A comfort molded EVA footbed supplies cushioning and sits atop a Kamik lugged CITY rubber outsole. Get traction, comfort, and delicious warmth, no matter how deep the snow, or how cold the wind, in the Chicago Snow Boot for women from Kamik.
Specifications Upper: Waterproof Icebug nylon
Comfort rated to -40 degrees F
DriDefense waterproof bootie construction
Foam & fleece insulation
Rustproof inside zipper
Footbed: Comfort molded EVA
Outsole: CITY rubber outsole
Height: 10 inches
Weight (1/2 pair) 1.3 lbs (size 8)
Altrec Outdoors Coupons
Shape $1, Inc $2, FastCompany $1.5, Automobile $2, Popular Photography $3.5, Popular Science $3.5 and more.. 1-year subs
Added on : Monday October 08th 2012 10:00:04 PM
Shape $1, Inc $2, FastCompany $1.5, Automobile $2, Popular Photography $3.5, Popular Science $3.5 and more.. 1-year subscription at Deekins Deekins.com. 1-Year magazine subscription: http://deekins.com
Shape: $.99 Coupon code: blbshp
Atlantic: $2.99 Coupon code: blbatl
Inc. : $1.99 Coupon code: blbinc
FastCompany: $1.49 Coupon code: blbfac
Popular Photography: $3.49, Coupon code: blbpop
Popular Science: $3.49 Coupon code: blbpos
EBON: $1.99 Coupon code: blbebo
Automobile: $1.99 Coupon code: blbaut
Boy's Life: $3.49 Coupon code: blbbol
To receive the Sale Price, add the magazine title to your cart and apply the corresponding coupon code during checkout. One coupon per order.
From the email:
Deekins Subscriber, Thank you for your previous business. Winter is just around the corner, making it the perfect time for some new reading material. We are offering nine (9) of our top selling titles for under $3.50 per year. It doesn't matter whether you're ordering a new magazine or trying something new - sale prices apply! Enjoy!
142857 op sd
Shape: $.99 Coupon code: blbshp
Atlantic: $2.99 Coupon code: blbatl
Inc. : $1.99 Coupon code: blbinc
FastCompany: $1.49 Coupon code: blbfac
Popular Photography: $3.49, Coupon code: blbpop
Popular Science: $3.49 Coupon code: blbpos
EBON: $1.99 Coupon code: blbebo
Automobile: $1.99 Coupon code: blbaut
Boy's Life: $3.49 Coupon code: blbbol
To receive the Sale Price, add the magazine title to your cart and apply the corresponding coupon code during checkout. One coupon per order.
From the email:
Deekins Subscriber, Thank you for your previous business. Winter is just around the corner, making it the perfect time for some new reading material. We are offering nine (9) of our top selling titles for under $3.50 per year. It doesn't matter whether you're ordering a new magazine or trying something new - sale prices apply! Enjoy!
142857 op sd
Sears.com $199 Craftsman 309 pc. Mechanic's Tool Set
Added on : Saturday October 06th 2012 10:00:03 AM
Text
http://www.sears.comFree Shipping on qualifying orders of $39 or moreCraftsman 309 pc. Mechanic's Tool Set
SearsItem# 00941309000 | Model# 41309 Reg Price: $399.99 Savings: $200.00 $199.99 The Craftsman 309 Piece Mechanics Tool Set DeliversSleek, tough and built to last, no matter how heavy torquing, muscle straining or just plain filthy the job, the Craftsman 309 piece tool set will wipe clean and come back for more. The perfect way to stock a new tool chest for a lifetime of labor, every inch of this 309 piece package is backed by Craftsmans Forever Guarantee, so that no matter how tough the job, you have the tools to get it done right.Featuring metric, inch, standard and deep well sockets that are built to fit three separate quick release ratchets, combo wrenches of all sizes, hex keys and more, every bolt will get its turn, even if the clearance is tight. Whether youre restoring a classic car, tuning-up a big Diesel or just staying prepared, the Craftsman 309 piece mechanics tool set outfits your shop with everything you need to get the job done Product Overview: General Warranty:Lifetime Item Weight (lbs.):32 Tool Set Type:200 pc. and over mechanics tool set Number Included:309 Style:Standard Individual, Kit or Set:Sets Included with Item: Case:No Kit/Set Information: Number of Extensions:6 Number of Quick Release Ratchets:3 Kit or Set Type:Mechanics Manufacturer Warranty: Warranty Detail:craftsman warranty Others: Item Type:Hand tools and tool sets Item Type:Tools Tool Item Type:Mechanic tools
Sold by Sears
Sears.com Coupons
http://www.sears.comFree Shipping on qualifying orders of $39 or moreCraftsman 309 pc. Mechanic's Tool Set
SearsItem# 00941309000 | Model# 41309 Reg Price: $399.99 Savings: $200.00 $199.99 The Craftsman 309 Piece Mechanics Tool Set DeliversSleek, tough and built to last, no matter how heavy torquing, muscle straining or just plain filthy the job, the Craftsman 309 piece tool set will wipe clean and come back for more. The perfect way to stock a new tool chest for a lifetime of labor, every inch of this 309 piece package is backed by Craftsmans Forever Guarantee, so that no matter how tough the job, you have the tools to get it done right.Featuring metric, inch, standard and deep well sockets that are built to fit three separate quick release ratchets, combo wrenches of all sizes, hex keys and more, every bolt will get its turn, even if the clearance is tight. Whether youre restoring a classic car, tuning-up a big Diesel or just staying prepared, the Craftsman 309 piece mechanics tool set outfits your shop with everything you need to get the job done Product Overview: General Warranty:Lifetime Item Weight (lbs.):32 Tool Set Type:200 pc. and over mechanics tool set Number Included:309 Style:Standard Individual, Kit or Set:Sets Included with Item: Case:No Kit/Set Information: Number of Extensions:6 Number of Quick Release Ratchets:3 Kit or Set Type:Mechanics Manufacturer Warranty: Warranty Detail:craftsman warranty Others: Item Type:Hand tools and tool sets Item Type:Tools Tool Item Type:Mechanic tools
Sold by Sears
Sears.com Coupons
Expired: Carnival Elation Cruise 5 Nights from New Orleans Dec. 1, 2012, $43 - $56 pp/pn incl. taxes.
Added on : Friday October 05th 2012 02:01:21 PM
Carnival just released a "pack and go" rate for this 5 night cruise departing (December 1, 2012) New Orleans bound for Progreso and Cozumel Mexico. The TOTAL including taxes and fees are as follows: Interior room Total 2 Travelers: $398.00 Gov't Fees/Taxes: $102.84 Total: $500.84. This equates to $50 person per night. Or if you like ocean-view it adds another $60 bucks to the deal total which equates to $56 per person per night.For a family of four the deal is even better if all 4 share the same cabin. Interior room 4 Travelers Rate: Pack & Go $656.00 Subtotal
Total 4 Travelers: $656.00 Gov't Fees/Taxes: $205.68 Total: $861.68. This equates to $43 per person per night. Or if the family of 4 likes ocean-view it adds another $100 bucks to the deal total which equates to $48 per person per night.Be advised the catch for this great rate states: Payment required in full at time of booking and no refunds. You cannot pick your stateroom. Carnival will assign you one at the level you book OR HIGHER. And lastly you will immediately owe $11.50 per person per day gratuities once on-board no matter which category you choose.This can be found on www.carnival.com
Total 4 Travelers: $656.00 Gov't Fees/Taxes: $205.68 Total: $861.68. This equates to $43 per person per night. Or if the family of 4 likes ocean-view it adds another $100 bucks to the deal total which equates to $48 per person per night.Be advised the catch for this great rate states: Payment required in full at time of booking and no refunds. You cannot pick your stateroom. Carnival will assign you one at the level you book OR HIGHER. And lastly you will immediately owe $11.50 per person per day gratuities once on-board no matter which category you choose.This can be found on www.carnival.com
Carnival Elation Cruise 5 Nights from New Orleans Dec. 1, 2012, $43 - $56 pp/pn incl. taxes.
Added on : Thursday October 04th 2012 11:01:22 AM
Carnival just released a "pack and go" rate for this 5 night cruise departing (December 1, 2012) New Orleans bound for Progreso and Cozumel Mexico. The TOTAL including taxes and fees are as follows: Interior room Total 2 Travelers: $398.00 Gov't Fees/Taxes: $102.84 Total: $500.84. This equates to $50 person per night. Or if you like ocean-view it adds another $60 bucks to the deal total which equates to $56 per person per night.For a family of four the deal is even better if all 4 share the same cabin. Interior room 4 Travelers Rate: Pack & Go $656.00 Subtotal
Total 4 Travelers: $656.00 Gov't Fees/Taxes: $205.68 Total: $861.68. This equates to $43 per person per night. Or if the family of 4 likes ocean-view it adds another $100 bucks to the deal total which equates to $48 per person per night.Be advised the catch for this great rate states: Payment required in full at time of booking and no refunds. You cannot pick your stateroom. Carnival will assign you one at the level you book OR HIGHER. And lastly you will immediately owe $11.50 per person per day gratuities once on-board no matter which category you choose.This can be found on www.carnival.com
Total 4 Travelers: $656.00 Gov't Fees/Taxes: $205.68 Total: $861.68. This equates to $43 per person per night. Or if the family of 4 likes ocean-view it adds another $100 bucks to the deal total which equates to $48 per person per night.Be advised the catch for this great rate states: Payment required in full at time of booking and no refunds. You cannot pick your stateroom. Carnival will assign you one at the level you book OR HIGHER. And lastly you will immediately owe $11.50 per person per day gratuities once on-board no matter which category you choose.This can be found on www.carnival.com
Carnival Elation Cruise 5 Nights from New Orleans Dec. 1, 2012
Added on : Wednesday October 03rd 2012 07:01:18 PM
Carnival just released a "pack and go" rate for this 5 night cruise departing (December 1, 2012) New Orleans bound for Progreso and Cozumel Mexico. The TOTAL including taxes and fees are as follows: Interior room Total 2 Travelers: $398.00 Gov't Fees/Taxes: $102.84 Total: $500.84. This equates to $50 person per night. Or if you like ocean-view it adds another $60 bucks to the deal total which equates to $56 per person per night.For a family of four the deal is even better if all 4 share the same cabin. Interior room 4 Travelers Rate: Pack & Go $656.00 Subtotal
Total 4 Travelers: $656.00 Gov't Fees/Taxes: $205.68 Total: $861.68. This equates to $43 per person per night. Or if the family of 4 likes ocean-view it adds another $100 bucks to the deal total which equates to $48 per person per night.Be advised the catch for this great rate states: Payment required in full at time of booking and no refunds. You cannot pick your stateroom. Carnival will assign you one at the level you book OR HIGHER. And lastly you will immediately owe $11.50 per person per day gratuities once on-board no matter which category you choose.This can be found on www.carnival.com
Total 4 Travelers: $656.00 Gov't Fees/Taxes: $205.68 Total: $861.68. This equates to $43 per person per night. Or if the family of 4 likes ocean-view it adds another $100 bucks to the deal total which equates to $48 per person per night.Be advised the catch for this great rate states: Payment required in full at time of booking and no refunds. You cannot pick your stateroom. Carnival will assign you one at the level you book OR HIGHER. And lastly you will immediately owe $11.50 per person per day gratuities once on-board no matter which category you choose.This can be found on www.carnival.com
Canon full frame 5D Mark II Body Only DSLR $1,763 after amazon rewards (no tax most places, free prime ship )
Added on : Wednesday October 03rd 2012 12:00:03 PM
Canon EOS 5D Mark II 21.1MP Full Frame CMOS Digital SLR Camera Canon 5D Mark II at amazonInstant $400 Rebate ending October 27th while supplies last as they will not be manufacturing any more.Price: $1,799.00 This item qualifies for 2% back in Rewards, and Free Shipping with Amazon Prime.After getting your Amazon 2% rewards back, it's effectively $1763.02. No tax in most states.If you don't have have Amazon prime, signup for free trialYes, may be not the current mark III version, but the mark III is still over +$1660 MORE! 5D II is still a top FULL FRAME performer no matter which way you look at it! It was orginally $3500 when it came out.dpreview.com SHORT and FULL reviews.Still listed as a current product at usa.canon.com
Amazon Coupons
Amazon Coupons
I hope to draw from the wisdom of those fellow FWFers who have undertaken HVAC replacements and renovations.I have a 2 story house (1900 sq ft) with a 95% finished basement (1000 sq ft). I recently had an appraisal, saying I'd need to add central air to the finished basement rooms if I wanted to claim 2900 sq ft instead of 1900 sq feet. The appraiser said this would significantly increase my appraised value.I have a severely undersized 18 year old HVAC unit that lives in the basement. It does a decent job heating and cooling the main floor, but a horrible job on the 2nd floor; usually a 10 degree difference, even with all the main floor vents shut.I know its a matter of time before it bites the dust, so I want to get an estimate for a replacement and figure out if I need to budget 3,000 or 13,000. But, I don't know what is the smartest scenario. I plan to be in this house myself for at least 5 more years, and hope to rent it out after that time.I see my options as:
1) Replace undersized HVAC unit with a newer, larger HVAC unit.
2) Same as 1, but also add ducts in basement (drop ceiling exists), and install a zone system to keep that off, and add a zone to shut off to main floor as well.
3) Replace undersized HVAC with similar sized unit, and add basement ducts. Add a 2nd HVAC unit to attic to cool / heat top floor.I plan to get estimates for each of these, but is there another scenario I should look at? Will it really pay off adding ducts to the basement to get extra sq ft? Any advice on choosing the companies to get estimates from, or what I should ask?Thanks!
1) Replace undersized HVAC unit with a newer, larger HVAC unit.
2) Same as 1, but also add ducts in basement (drop ceiling exists), and install a zone system to keep that off, and add a zone to shut off to main floor as well.
3) Replace undersized HVAC with similar sized unit, and add basement ducts. Add a 2nd HVAC unit to attic to cool / heat top floor.I plan to get estimates for each of these, but is there another scenario I should look at? Will it really pay off adding ducts to the basement to get extra sq ft? Any advice on choosing the companies to get estimates from, or what I should ask?Thanks!
keen Women's Brighton High Boots $69.99 FShttp://outlet.altrec.com/DescriptionWhether the snow is falling in light fluffy flakes that softly dust the streets of Manhattan or is coming down in a great driving force that pelts 5th Avenue in fury, the keen Women's Brighton High Boots can handle anything the earth or sky can conjure up. Insulated and waterproof, these durable high boots keep feet warm and dry no matter what the forecast.Featuring keen.WARM insulation and a faux fur lining, these cozy winter boots keep feet toasty warm when the weather is frightful. The waterproof nubuck leather sheds rain and snow effortlessly while the waterproof, breathable performance of the keen.DRY membrane keeps the elements at bay while still allowing interior moisture to escape, for dry skin from the inside out. The compression molded midsole cradles the foot in all day comfort while the reliable outsole gives you the aggressive traction you need to take on any winter surface. With side panels for easy on/off and no shortage of style, the keen Brighton High Boots for women have everything you need for winter in the city.
Altrec Outdoors Coupons
Altrec Outdoors Coupons
Rockport "Helena" Knee-High Full-Grain Women's Boot, $79.99 only size 5 and 5.5 left
Added on : Monday October 01st 2012 08:00:08 PM
These have a high "wife approval." Regular price is $200, which doesn't really matter much to FW'ers. The key is these are Rockport knee-high full-grain leather boots for under $80. With Fat Cash and whatever CashBack card you use, this winds up being pretty darn hot. These are nice looking, "dressy" boots. I hope you like them!
Nice Looking Boots
Rockport.com Coupons
Nice Looking Boots
Rockport.com Coupons
Safe Deposit Boxes seem pretty rare now-a-days. The FWF crowd tends to bank with credit unions rather than commercial banks for the better rates and service. The problem is Alliant Credit Union (for example) doesn't offer safe deposit boxes and even if they did, they probably wouldn't be local to you.I looked into opening a safe deposit box at Chase because I have several credit cards with them so I figured I wouldn't have to extend myself to a new institution (Chex hit, credit bureau hit, another website to log in to to track, etc). However Chase wanted me to have a savings or checking account in order to open a safe deposit box. Last time I looked that required me to keep $1500 sitting at 0% in perpetuity.To make matters worse, I really don't know what Chase requires anymore because every 6 months I go to their website, lured in by the free $100/$150/$200 promos, and every 6 months they increase the requirements for "free" accounts. Soon it will be 15 debit transactions, $5k daily balance and 2 pints of blood per month. Not that I mind jumping through hoops but if it's just for a safe deposit box I don't want to deal with studying the Torah that is their account requirements.The upside to using Chase would be that they are national so wherever I move (which is about every 1.5 to 2 years for work as I fulfill contracts), I can just get a new local safe deposit box anywhere in the country. Right now I'm still using a credit union safe deposit box back where I grew up, to keep things that I know I won't need on short notice. I fly back to visit my family every year so I check up on it, but it's a hassle.The upside to the credit union safe deposit box is that I only use that credit union for a savings account (with enough to pay the annual box fee) and the box. They probably pulled Chex on me when I opened the account 10 years ago but that's long been wiped off my Chex report. The chances that someone looking through my financial records for a court case will find the box are reduced. Thus, it's a good spot to keep some emergency cash. I don't worry too much about civil lawsuits, but they are always on the back of my mind like an Earthquake or Hurricane so I like to make reasonable preparations. I'd hate to get sued, have all of my assets frozen, and be unable to pay an attorney to represent me or unable to pay my rent and get evicted. Having the safe deposit box off the grid with 3 months living expenses in cash gives me piece of mind and isn't too much of a cost in inflation. Downside will be me having to travel there to get it.Maybe a good compromise is a mix - get the Chase box, fly through whatever silly hoops they demand to get a free savings account, open a new one up locally everytime I move to keep my social security card, birth certificate and a little cash in. But also keep the "semi-hidden" credit union one that the lawyer of someone I get into a car accident with won't think to look for.
Office Depot FAR software for the week of 09/30/2012
Added on : Friday September 28th 2012 12:00:04 AM
Office Depot FAR software for the week of 09/30/2012
Two titles advertised free after rebate. One title advertised as $9.99 after rebate. Will update to my usual standards by Saturday. Trend Micro Titanium Internet Security, For 3 Users
Item #710-437
FREE after $5 Instant, $40 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $69.99
Titles with at least one CONTINUING rebate:System Mechanic 8, Traditional Disc [388915] $49.99 LINK
++ Advertised as "FREE After $4 Instant, $30 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings"
$30 standard rebate #12-16844 LINK
--- rebate valid from 09/16/2012 through 09/29/2012
--- original proof of purchase seal
--- copy of UPC code
--- copy of receipt
$20 CONTINUING [onbox] upgrade rebate #11-57083 LINK
--- rebate valid from 08/01/2011 through 12/31/2012
--- original UPC
--- a copy of dated sales receipt with the purchase price circled
--- proof of previous ownership* of participating product: Previous owners of stand-alone / retail products must enclose a photocopy of the CD, original first page of the manual, or original invoice for electronically delivered products.
--- * - Norton System 360, Norton Utilities, AvanquestSystem Suite, AvanquestFix-It Utilities , CA PC TuneupDefender Pro or any product from iolo.System Mechanic Professional, Traditional Disc [388830] $69.99 LINK
++ Advertised as "$9.99 After $30 Mfr. Mail-In & $30 Mfr.Current User Upgrade Mail-In Savings"
$30 standard rebate #12-16845 LINK
++ Redeemable only on versions released on or after 12/01/2007.
--- rebate valid from 09/16/2012 through 10/13/2012
--- original proof of purchase seal (Proof of purchase seal and UPC code are two different proofs)
--- copy of UPC code
--- copy of receipt
$30 CONTINUING upgrade rebate #11-57241 LINK
++ Redeemable only on versions released on or after 8/01/2011.
--- rebate valid from 08/01/2011 through 12/31/2012
--- original UPC
--- a copy of dated sales receipt with the purchase price circled
--- proof of previous ownership* of participating product: Previous owners of stand-alone / retail products must enclose a photocopy of the CD, original first page of the manual, or original invoice for electronically delivered products.
--- * - Valid for previous owners of Norton System 360, Norton Utilities, AvanquestSystem Suite, AvanquestFix-It Utilities , CA PC TuneupDefender Pro or any product from iolo. --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------
--------------------
Office Depot Coupons
Two titles advertised free after rebate. One title advertised as $9.99 after rebate. Will update to my usual standards by Saturday. Trend Micro Titanium Internet Security, For 3 Users
Item #710-437
FREE after $5 Instant, $40 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $69.99
Titles with at least one CONTINUING rebate:System Mechanic 8, Traditional Disc [388915] $49.99 LINK
++ Advertised as "FREE After $4 Instant, $30 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings"
$30 standard rebate #12-16844 LINK
--- rebate valid from 09/16/2012 through 09/29/2012
--- original proof of purchase seal
--- copy of UPC code
--- copy of receipt
$20 CONTINUING [onbox] upgrade rebate #11-57083 LINK
--- rebate valid from 08/01/2011 through 12/31/2012
--- original UPC
--- a copy of dated sales receipt with the purchase price circled
--- proof of previous ownership* of participating product: Previous owners of stand-alone / retail products must enclose a photocopy of the CD, original first page of the manual, or original invoice for electronically delivered products.
--- * - Norton System 360, Norton Utilities, AvanquestSystem Suite, AvanquestFix-It Utilities , CA PC TuneupDefender Pro or any product from iolo.System Mechanic Professional, Traditional Disc [388830] $69.99 LINK
++ Advertised as "$9.99 After $30 Mfr. Mail-In & $30 Mfr.Current User Upgrade Mail-In Savings"
$30 standard rebate #12-16845 LINK
++ Redeemable only on versions released on or after 12/01/2007.
--- rebate valid from 09/16/2012 through 10/13/2012
--- original proof of purchase seal (Proof of purchase seal and UPC code are two different proofs)
--- copy of UPC code
--- copy of receipt
$30 CONTINUING upgrade rebate #11-57241 LINK
++ Redeemable only on versions released on or after 8/01/2011.
--- rebate valid from 08/01/2011 through 12/31/2012
--- original UPC
--- a copy of dated sales receipt with the purchase price circled
--- proof of previous ownership* of participating product: Previous owners of stand-alone / retail products must enclose a photocopy of the CD, original first page of the manual, or original invoice for electronically delivered products.
--- * - Valid for previous owners of Norton System 360, Norton Utilities, AvanquestSystem Suite, AvanquestFix-It Utilities , CA PC TuneupDefender Pro or any product from iolo. --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------
--------------------
Office Depot Coupons
Current T-Mobile CustomersYMMV (500 minutes talk, Unlimited Text, Unlimited Data [2gb throttle]) $39.99+tax monthly
Added on : Thursday September 27th 2012 06:00:03 PM
Step by step for current customers:1. Call in and say you are considering cancelling, or cancelling your current plan to switch to prepaid.
2. Tell them the plan you are wanting to switch to is the $30 data plan (100 minutes talk time, unlimited data [5g throttle]) ANY OTHER SUPER CHEAP PLAN MAY WORK TOO...
3. CS rep should at this point try to offer you some deals to keep you before moving onward!
4. My CS rep tried to give me a $49 a month plan, I still said no and said the plan I wanted was $20 less than that... no thank you!
5. The CS rep then gave me the deal I accepted... around $38 a month. I accepted this deal because on average I do use more than 100 minutes a month AND I wouldn't have to pay the early cancellation fee I was expecting to have to pay.
6. I was able to get this deal by having a University Alumni discount of %15 (MU Tigers) and the CS rep giving a $10 monthly discount for 24 months.A few days later I went into my account and saw that my monthly charge was set up at $49.99 a month. I was a little steamed so I went ahead and called in to verify my monthly charge. The rep I talked to said 'no, you will be paying $49 a month. I don't see how you could have received a different deal that brought you to $38 or $39'.
Well, he finally read the notes and saw that I would be receiving a $10/month discount for 24 months. Then I finally knew it was all good.I have been with T-Mobile since I got the G1 Google phone, I don't know if this matters. The rep that was verifying my monthly charge said that the 'royalty' reps had a little more leeway to strike deals with customers. So in a nutshell, I guess you need to get one of those reps.I didn't fight to get this deal, so I can't imagine it would be too hard for others to get. I bought a new Galaxy S3 off of Craigslist and am VERY VERY happy with it.
T-Mobile Coupons
2. Tell them the plan you are wanting to switch to is the $30 data plan (100 minutes talk time, unlimited data [5g throttle]) ANY OTHER SUPER CHEAP PLAN MAY WORK TOO...
3. CS rep should at this point try to offer you some deals to keep you before moving onward!
4. My CS rep tried to give me a $49 a month plan, I still said no and said the plan I wanted was $20 less than that... no thank you!
5. The CS rep then gave me the deal I accepted... around $38 a month. I accepted this deal because on average I do use more than 100 minutes a month AND I wouldn't have to pay the early cancellation fee I was expecting to have to pay.
6. I was able to get this deal by having a University Alumni discount of %15 (MU Tigers) and the CS rep giving a $10 monthly discount for 24 months.A few days later I went into my account and saw that my monthly charge was set up at $49.99 a month. I was a little steamed so I went ahead and called in to verify my monthly charge. The rep I talked to said 'no, you will be paying $49 a month. I don't see how you could have received a different deal that brought you to $38 or $39'.
Well, he finally read the notes and saw that I would be receiving a $10/month discount for 24 months. Then I finally knew it was all good.I have been with T-Mobile since I got the G1 Google phone, I don't know if this matters. The rep that was verifying my monthly charge said that the 'royalty' reps had a little more leeway to strike deals with customers. So in a nutshell, I guess you need to get one of those reps.I didn't fight to get this deal, so I can't imagine it would be too hard for others to get. I bought a new Galaxy S3 off of Craigslist and am VERY VERY happy with it.
T-Mobile Coupons
Craftsman All Rubber Garden Hose 5/8 In. x 50 Ft. (Lifetime Warranty) $22.99 w/ free store pickup 4% FW Cash Back
Added on : Wednesday September 26th 2012 11:00:04 AM
For those who missed it when it was $19.99 a couple weeks ago, Kmart has the Craftsman 5/8 In. x 50 Ft All Rubber Garden Hose for $22.99 ($27.99 plus save an additional $5 on Lawn & Garden purchases over $25 until 28-Sep-2012. Additional discount applied in cart)Don't forget 4% FW Cash BackLinkyProduct DescriptionA Garden Hose That's Built To LastDon't drag that busted old garden hose around your yard another summer. Instead, grab the durable Craftsman 50ft garden hose and forget the yards of tape, leaky couplers and pin-hole leaks that rob you of the pressure you need to wash the car, or send water out to a thirsty garden. When the leaves are sagging this summer, make sure you have a hose you can depend on, and stop wasting water with dozens of leaks.The Craftsman 5/8 inch diameter all-rubber garden hose was designed to give you the dependable service and long life that won't have you reaching for a roll of tape every time it brushes a stone or rock. Made with a durable radial rubber matrix, this garden hose withstands abrasion and rough work without a problem, and with a rugged crush resistant coupler at each end, you'll keep this hose in operation season after season.What's better is that the its resilient build allows this garden hose to withstand hot water temperatures up to 160F while remaining flexible and easy to use all the way down to -25F, so you can use this hose in the garden, driveway, to flush the water heater, or drain a pool for winter. No matter how you need to move your water, this tough garden hose will help. And forget about corroded couplers that you need a pair of pliers to get on and off, the nickel plating on each of the hose-ends ensure easy use for years to come.Built with thoughtful design out of materials tough enough to give it a 500pasi bursting strength, this garden hose allows you to do more than just water the garden, but ensures when you do, you won't have to worry about tears and rips. Add the Craftsman 5/8 inch diameter all-rubber garden hose to your yard today and get the quality you can trust to last a lifetime.New concave hexagonal shape
Reinforced radial tire cord provides 500 psi burst strength
Crush-proof brass coupler
Kmart.com Coupons
Reinforced radial tire cord provides 500 psi burst strength
Crush-proof brass coupler
Kmart.com Coupons
Capital one -- does closing one account incrase chances for CLI on another?
Added on : Tuesday September 25th 2012 01:00:55 PM
Hello
I have 3 Capital One accounts: one with 5k limit, one with 15k limit and one with $750 limit. I really want them to increase the limit for the $750 one (i get 5X points on a certain business expense that i spend 20k/month on). As of now I put as much per day on there as I can and pay it off but I'm missing out on a ton of rewards. Anyways, to the point, if i closed my account with the 15k limit would there be a better chance of them increase my CL on my $750 limit card, or does it not matter? I've been asking for a CL increase a few times a year for the last 2 years and they always reject me. My credit score is great. I think one of the problems might be that the $750 card is a student card...
Anyways, anyone shed any light? I asked cap one but they don't seem to know.
I have 3 Capital One accounts: one with 5k limit, one with 15k limit and one with $750 limit. I really want them to increase the limit for the $750 one (i get 5X points on a certain business expense that i spend 20k/month on). As of now I put as much per day on there as I can and pay it off but I'm missing out on a ton of rewards. Anyways, to the point, if i closed my account with the 15k limit would there be a better chance of them increase my CL on my $750 limit card, or does it not matter? I've been asking for a CL increase a few times a year for the last 2 years and they always reject me. My credit score is great. I think one of the problems might be that the $750 card is a student card...
Anyways, anyone shed any light? I asked cap one but they don't seem to know.
LinkyMobile Video 2
Make Your Entire Video Collection Portable
More and more of your time is spent out of your home these days. Whether you're on the train to work, waiting for an airplane, or stuck in traffic, there's a very real chasm between you and your beloved videos that live on your computer and on your DVDs. It's time to bridge that gap and bring all of your entertainment to the palm of your hand, and it's all made possible by today's discount software promotion, Mobile Video 2!Mobile Video 2 converts DVDs and video files to formats that are perfect for playback on mobile devices. It doesn't matter if your platform of choice is an iPod, iPhone, Zune, PSP, or some other multimedia player, Mobile Video 2 will do the job and deliver file output that's ready to go whenever you are.Don't worry about wrestling with a complicated interface. Mobile Video 2 features an immediately accessible screen that makes it easy to create videos that are optimized for your device of choice in just a few clicks. In addition to DVDs, Mobile Video 2 can also convert video files between a cornucopia of file formats. And while the program comes ready to go with profiles that are optimized for each device, you are always free to tweak settings to get exactly the results that you want. The conversion process even automatically detects the proper aspect ratio!
Make Your Entire Video Collection Portable
More and more of your time is spent out of your home these days. Whether you're on the train to work, waiting for an airplane, or stuck in traffic, there's a very real chasm between you and your beloved videos that live on your computer and on your DVDs. It's time to bridge that gap and bring all of your entertainment to the palm of your hand, and it's all made possible by today's discount software promotion, Mobile Video 2!Mobile Video 2 converts DVDs and video files to formats that are perfect for playback on mobile devices. It doesn't matter if your platform of choice is an iPod, iPhone, Zune, PSP, or some other multimedia player, Mobile Video 2 will do the job and deliver file output that's ready to go whenever you are.Don't worry about wrestling with a complicated interface. Mobile Video 2 features an immediately accessible screen that makes it easy to create videos that are optimized for your device of choice in just a few clicks. In addition to DVDs, Mobile Video 2 can also convert video files between a cornucopia of file formats. And while the program comes ready to go with profiles that are optimized for each device, you are always free to tweak settings to get exactly the results that you want. The conversion process even automatically detects the proper aspect ratio!
Oakley Twisted Snow Goggles Text
$44.9990.00save up to 50% Some Discontinued. Limited to stock on hand. Description Get out and shred in clarity in the Oakley Twisted Snow Goggles. Designed for small to medium faces, this goggle wont feel too large and heavy on your face. In fact, this lightweight, flexible goggle you might forget you have them on, if it werent for all of the fog and sun protection they offer up. The interchangeable strap has attachment plates that make your head feel balanced and youll experience zero-extra pressure. All day, all season comfort will be all yours in the Twisted Snow Goggles. .SpecificationsBalanced fit with O-Matter
Interchangeable strap attachment plates
Triple-layer polar fleece foam
Dual vented lenses with F2 anti-fog technology
Lexan lens material provides 100% protection against UVA, UVB, UVC and harmful blue light
Tuned light transmission of Iridium lens coating
Optimized for small to medium faces Free Shipping Offer
FREE Shipping on qualified Orders within the Contiguous U.S.. To receive FREE Shipping simply choose the FREE Shipping option during checkout. Exceptionally large/heavy items, such as a kayak or some Backordered items, may require an additional Handling Charge as noted on each product page.
Call Us:
800-369-3949
Altrec Outdoors Coupons
$44.9990.00save up to 50% Some Discontinued. Limited to stock on hand. Description Get out and shred in clarity in the Oakley Twisted Snow Goggles. Designed for small to medium faces, this goggle wont feel too large and heavy on your face. In fact, this lightweight, flexible goggle you might forget you have them on, if it werent for all of the fog and sun protection they offer up. The interchangeable strap has attachment plates that make your head feel balanced and youll experience zero-extra pressure. All day, all season comfort will be all yours in the Twisted Snow Goggles. .SpecificationsBalanced fit with O-Matter
Interchangeable strap attachment plates
Triple-layer polar fleece foam
Dual vented lenses with F2 anti-fog technology
Lexan lens material provides 100% protection against UVA, UVB, UVC and harmful blue light
Tuned light transmission of Iridium lens coating
Optimized for small to medium faces Free Shipping Offer
FREE Shipping on qualified Orders within the Contiguous U.S.. To receive FREE Shipping simply choose the FREE Shipping option during checkout. Exceptionally large/heavy items, such as a kayak or some Backordered items, may require an additional Handling Charge as noted on each product page.
Call Us:
800-369-3949
Altrec Outdoors Coupons
Free Highly Rated Kindle Book Losing It! Behaviors and Mindsets that Ruin Careers: Lessons on Protecting Yourself ($28)
Added on : Monday September 24th 2012 10:00:05 PM
Why do otherwise brilliant and successful leaders fail and often do so dramatically? How can you prevent your own career train wreck by learning from their experiences? This book distills the core causes of executive failure, demonstrates how to identify them in your own behavior and helps you to eliminate or avoid them. Bill Lane, Jack Welchs long-time colleague draws on his own experience as a GE insider as well as from extensive interviews with former GE executives now running their own companies, including Dave Calhoun (CEO, Nielsen); Jim McNerney (CEO, Boeing); Lloyd Trotter (retired Vice-Chairman of GE), Frank Doyle (ex-Executive VP at GE), Kip Condron (ex-CEO, Americas, AXA Equitable); Andrew McMahon (President, AXA Equitable), and many others. Together with these elite executives, Lane demonstrates how to avoid arrogance, recognize when you must micromanage, learn how to communicate far more effectively, maintain a relentless focus on what matters most, and avoid the temptations to sacrifice your #1 leadership asset: your integrity. Along the way, he offers hard-hitting insights on everything from choosing your battles to cultivating the right forms of paranoia. Losing It will be an indispensable resource for everyone aspiring to become a more effective leader, including managers at all levels, and all MBA candidates and executive education studentshttp://www.amazon.com/Losing-Behaviors-Mindsets-Careers-ebook/dp...
Amazon Coupons
Amazon Coupons
Oakley Jury Distressed Silver w/ Ice Iridium Lens Sunglasses $99.99 FS
Added on : Sunday September 23rd 2012 07:00:06 AM
Oakley Jury Distressed Silver w/ Ice Iridium Lens Sunglasses $99.99 FShttp://outlet.altrec.com/ Custom engineered O-Matter spring hinge mechanism
Precision milled with machine tolerances exceeding =/-0.001
3 point fit
Added conform for UNOBTAINIUM earsocks and O-MATTER nosepad
Metal icon accents
Optical precision and performance that meets all ANSI Z87.1 standards
Impact resistance that meets all ANSI Z87.1 standards for high-mass and high-velocity impact
UV protection of PLUTONITE lens material that filters out 100% of UVA / UVB / UVC and harmful blue light up to 400nm
Glare reduction and tuned light transmission of IRIDIUM lens coating (optional)
Dual lens polaric ellipsoid geometry (two lenses cut from a single toric shield)
Precision milled with machine tolerances exceeding =/-0.001
3 point fit
Added conform for UNOBTAINIUM earsocks and O-MATTER nosepad
Metal icon accents
Optical precision and performance that meets all ANSI Z87.1 standards
Impact resistance that meets all ANSI Z87.1 standards for high-mass and high-velocity impact
UV protection of PLUTONITE lens material that filters out 100% of UVA / UVB / UVC and harmful blue light up to 400nm
Glare reduction and tuned light transmission of IRIDIUM lens coating (optional)
Dual lens polaric ellipsoid geometry (two lenses cut from a single toric shield)
Free Highly Rated 4.7 Stars Kindle Book About Face: The Secrets of Emotionally Effective Advertising (Reg $30)
Added on : Friday September 21st 2012 11:00:04 AM
About Face: The Secrets of Emotionally Effective Advertising http://www.amazon.com/About-Face-Emotionally-Advertising-ebook/d...Once advertising was all about being 'on-message' and getting talking points right. But breakthroughs in brain science have confirmed what we all know but don't often admit to in business: people are primarily emotional decision-makers. From podcasting, blogs and forums to interactive ads in stations, the heart of the matter is now the consumer's experience as opposed to the company's marketing message. About Face shows how 21st century advertising can realize success by being 'on-emotion' first and foremost. Using data from eye tracking and facial coding to analyse consumer responses, About Face demonstrates exactly which advertising strategies are successful and why. Moving beyond the old Ps of product, price, place and promotion, Dan Hill outlines ten rules for emotionally effective advertising including simplicity, familiarity, relevancy and believability. Emotions rule decision making. About Face shows you that by focussing on the three new Ps of passion, purpose and personality, your campaigns can become more effective and emotionally engaging, taking you closer to the consumer
Amazon Coupons
Amazon Coupons
Down Comforters 60% Off Today, $84.60 shipped for a King oversized down comforter 61.40 for Queen!
Added on : Friday September 21st 2012 10:00:02 AM
Down Comforters 60% Off Today, $84.60 shipped for a King oversized down comforter 61.40 for Queen!We got this deal last year and I didn't see the particular down comforter deal posted yet so I'm posting. Every year Pacific Pillows has a twins sale with 7 different days of deals. Today is their PillowTex down comforter & pillows sale for 60% off sale price. We got the oversized King Arctic down comforter last year and couldn't believe the quality of it for the price - so we purchased more this year as Christmas gifts. This comforter is perfect for Wisconsin winters, but we also left it on the bed over the summer and we didn't get too hot with it.http://www.pacificpillows.com/1piarwefeand.html1. Add to cart
2. enter coupon code "twins6"
3. Total price with $5 Shipping comes to $84.60 for King Arctic, $61.40 for Queen StandardTodays Twins Sale offer is 60% off Pillowtex Comforters: Classic Weight, Arctic Weight, and Classic Weight Down Alternative. Winter is right around the corner and Pacific Pillows wants to make sure our customers are warm no matter what climate they live in! Pillowtex comforters range in weight and fill, which provides customers with many options, yet all of the Pillowtex Comforters prices are extremely affordable and high quality! Whether you are looking for a Down and Feather or a Down Alternative comforter, you will be resting well night after night with a comforter made by Pillowtex ! Order today and start getting the rest you need and have been craving! Pillowtex Comforters come in 3 different styles: Classic Weight, Arctic Weight, and Classic Weight Down Alternative and in oversized Queen and King sizes. Order now before we run out!Coupon code: Twins6Expires: 9/21/12Terms and Conditions: Terms and Conditions: Coupon expires 9/21/12 or while supplies last. Use Coupon Code: twins6 to redeem this offer No backorders or rain checks. No refunds. Exchanges ONLY. Place your order today while this great product is still available.What is the Twins Sale? Every year PacificPillows.com celebrates the birth of the twin girls of the PacificPillows.com owners with PacificPillows.com's biggest sale of the year. Don't miss out on the opportunity to save 50-70% on select items all week long. This year PacificPillows.com will have seven days of deals starting September 15th and ending September 21st. Each day there will be a different deal that will only last for one day or until supplies run out. Be sure to check your email account each day to take advantage of the PacificPillows.com Annual Twins Sale!
2. enter coupon code "twins6"
3. Total price with $5 Shipping comes to $84.60 for King Arctic, $61.40 for Queen StandardTodays Twins Sale offer is 60% off Pillowtex Comforters: Classic Weight, Arctic Weight, and Classic Weight Down Alternative. Winter is right around the corner and Pacific Pillows wants to make sure our customers are warm no matter what climate they live in! Pillowtex comforters range in weight and fill, which provides customers with many options, yet all of the Pillowtex Comforters prices are extremely affordable and high quality! Whether you are looking for a Down and Feather or a Down Alternative comforter, you will be resting well night after night with a comforter made by Pillowtex ! Order today and start getting the rest you need and have been craving! Pillowtex Comforters come in 3 different styles: Classic Weight, Arctic Weight, and Classic Weight Down Alternative and in oversized Queen and King sizes. Order now before we run out!Coupon code: Twins6Expires: 9/21/12Terms and Conditions: Terms and Conditions: Coupon expires 9/21/12 or while supplies last. Use Coupon Code: twins6 to redeem this offer No backorders or rain checks. No refunds. Exchanges ONLY. Place your order today while this great product is still available.What is the Twins Sale? Every year PacificPillows.com celebrates the birth of the twin girls of the PacificPillows.com owners with PacificPillows.com's biggest sale of the year. Don't miss out on the opportunity to save 50-70% on select items all week long. This year PacificPillows.com will have seven days of deals starting September 15th and ending September 21st. Each day there will be a different deal that will only last for one day or until supplies run out. Be sure to check your email account each day to take advantage of the PacificPillows.com Annual Twins Sale!
Free Highly Rated 5 Star Kindle Book Nurses, Jobs and Money -- A Guide to Advancing Your Nursing Career and Salary ($25)
Added on : Thursday September 20th 2012 12:00:06 PM
http://www.amazon.com/Nurses-Advancing-Nursing-Career-ebook/dp/B...Nurses, Jobs and Money debunks those myths, offering a sobering portrait of the nursing industry--and what you can do to advance your nursing career and salary in today's environment. Filled with proven techniques and real-life case studies, this book shows you exactly how to plan your career for optimal income and success.Written by a veteran nurse and healthcare professional who has single-handedly helped hundreds of nurses expand their careers, this book offers an honest look at the challenges facing nurses today, as well as refreshing solutions for attaining your next career goal.Whether you are a student nurse or a seasoned healthcare professional, you can use these tips, detailed scenarios and step-by-step guides on how to catapult your career to lucrative opportunities in the nursing profession. This quick read takes you outside the traditional realms of nursing and opens your mind to employment paths not taught in schools.No matter what position you choose to pursue after reading this book, you will be positioned to win!
Amazon Coupons
Amazon Coupons
Warcraft - Mist of Pandaria pre-order $29.99 @ newegg
Added on : Tuesday September 18th 2012 06:00:03 AM
Save $10, but it does ship on the 25th with 3 day shipping so you will be a few days behind others if that matters to you. Don't forget the fw CashBack, which unfortunately I did.http://www.newegg.com/Product/Product.aspx?Item=N82E16832127011Code EMCNAJB243Free 3 day shippingFor newsletter subscribers only I believe.
Newegg Coupons
Newegg Coupons
homedepot.com $89 Lifetime Almond 8 ft. Fold-in-half Table
Added on : Sunday September 16th 2012 10:00:02 AM
Text
http://www.homedepot.comLifetime Almond 8 ft. Fold-in-half Table
Model # 80175
Internet # 202380420
WAS $119.00 $89.00 /EA-Each
Limit 10 per Order Price includes shipping
Online Special Valid : 09/16/2012 - 09/16/2012 Online Exclusive Learn More
This item cannot be shipped to the following state(s): AK,GU,HI,PR,VI
PRODUCT DESCRIPTIONLifetime revolutionized the table industry by introducing folding tables that fold in half for easy storage and transportation. A fold-in-half table provides maximum table surface but takes up minimum storage space. This is a great 8 ft. utility table that you can fold in half, toss in the trunk and take with you to sporting events, job sites or exhibitions. The plastic table top is stain resistant and easy to clean after use. This fold-in-half folding table is lightweight but durable enough to withstand constant wear and tear. No matter how many times you use your Lifetime 8 ft. utility table, you will never have to worry about cracking, chipping or peeling. Lifetime tables are constructed from high density polyethylene (HDPE) plastic with a honeycombed tack off design for extra rigidity and a durable powder coated steel frame. Guaranteed 10 year warranty, the best warranty in the business. Made in the USA. Table folds in half for easy transport and storage
Powder coated steel frame prevents rust and deterioration
Stain resistant table top will not chip, crack or fade
Perfect for indoor or outdoor use
Table folds down to 49 in. x 30 in. x 4.25 in.
10 Year Warranty
MFG Brand Name : Lifetime
MFG Model # : 80175
MFG Part # : 80175
Table folds down to 49 in. x 30 in. x 4.25 in.
10 Year Warranty
MFG Brand Name : Lifetime
MFG Model # : 80175
MFG Part # : 80175 SPECIFICATIONSAssembled Depth (in.) 30 in Assembled Height (in.) 29 in
Assembled Width (in.) 96 in Frame Material Metal
Returnable 90-Day Table Length (in.) 96
Table Width (in.) 30 Weight Capacity (lb.) 350 lb Home Depot
http://www.homedepot.comLifetime Almond 8 ft. Fold-in-half Table
Model # 80175
Internet # 202380420
WAS $119.00 $89.00 /EA-Each
Limit 10 per Order Price includes shipping
Online Special Valid : 09/16/2012 - 09/16/2012 Online Exclusive Learn More
This item cannot be shipped to the following state(s): AK,GU,HI,PR,VI
PRODUCT DESCRIPTIONLifetime revolutionized the table industry by introducing folding tables that fold in half for easy storage and transportation. A fold-in-half table provides maximum table surface but takes up minimum storage space. This is a great 8 ft. utility table that you can fold in half, toss in the trunk and take with you to sporting events, job sites or exhibitions. The plastic table top is stain resistant and easy to clean after use. This fold-in-half folding table is lightweight but durable enough to withstand constant wear and tear. No matter how many times you use your Lifetime 8 ft. utility table, you will never have to worry about cracking, chipping or peeling. Lifetime tables are constructed from high density polyethylene (HDPE) plastic with a honeycombed tack off design for extra rigidity and a durable powder coated steel frame. Guaranteed 10 year warranty, the best warranty in the business. Made in the USA. Table folds in half for easy transport and storage
Powder coated steel frame prevents rust and deterioration
Stain resistant table top will not chip, crack or fade
Perfect for indoor or outdoor use
Table folds down to 49 in. x 30 in. x 4.25 in.
10 Year Warranty
MFG Brand Name : Lifetime
MFG Model # : 80175
MFG Part # : 80175
Table folds down to 49 in. x 30 in. x 4.25 in.
10 Year Warranty
MFG Brand Name : Lifetime
MFG Model # : 80175
MFG Part # : 80175 SPECIFICATIONSAssembled Depth (in.) 30 in Assembled Height (in.) 29 in
Assembled Width (in.) 96 in Frame Material Metal
Returnable 90-Day Table Length (in.) 96
Table Width (in.) 30 Weight Capacity (lb.) 350 lb Home Depot
CollageIt Pro, Free Download Today Only @ Bitsdujour ( $19.90 Value )
Added on : Saturday September 15th 2012 04:00:03 AM
http://www.bitsdujour.com/software/collageit-pro/Beautiful Collages in Just a Few ClicksHave you ever wanted to amass your vast collection of photos into a collage? But, having never created a collage before, you need a little push to get going? Well, today is indeed your lucky day, since today's discount software promotion, CollageIt Pro, will get you fully immersed into the joy of collage creation in no time!CollageIt Pro automatically generates collages from your digital photos in just few clicks, using up to 200 images. With CollageIt Pro, there's no wrestling with how to make it "look right", since the program is designed to give you the power to create beautiful collages in moments. No matter whether you're memorializing a vacation, a wedding, birthday party, or special trip, you'll find that the perfect way to preserve these memories is with a collage made with CollageIt Pro. Real time preview shows you how your collage is coming along, while an array of pre-designed templates means you'll be able to get up and running with CollageIt Pro in a snap.When you use CollageIt Pro, you'll always enjoy full control over multiple settings, ensuring that your collage will come out exactly as you envisioned it. Set the page size, photo count, margins, rotations, and more. Crop photos to highlight the areas you want to use. Throw in backgrounds, photo frames, and shadows for added impact. When you're done, save your collage as a JPEG, PNG, PDF, PSD, or other image formats! You can even send your collages to friends and family via email, or post it to Flickr and Facebook!
Leasing Office Attempting to Screw Me Over RE: Move-out Notice
Added on : Friday September 14th 2012 08:00:49 PM
Hi FWF friends, long time lurker here, first time poster. I wanted some of that FWF patented advice regarding a situation I'm running into with my current leasing office/landlords.My lease stipulates the requirement for 60 days' written notice prior to moving out of my apartment. I called the leasing office in July telling them I was planning on moving out after my lease is up at the end of September. I was told I could simply write them an e-mail telling them of my intentions and that would suffice. At the time I was unsure about the lease terms I was going to be offered, so I wrote them an e-mail on 7/2/12 telling them the terms I wanted, and if they could not be met then to consider the e-mail my notice of move-out (90 days in advance at this point). They did not respond to the e-mail, but they called me on 7/25/12 telling me they couldn't meet all of my requests, only some. I told them I would consider it and let them know if I changed my mind.I received an e-mail from them on August 26th saying that they hadn't received my written notice of move-out. I responded immediately referencing my e-mail from 7/2/12, and then proceeded to give them a signed notice on their paperwork indicating my plans to move out on 9/30/12 (on which I wrote that I had already given them notice on 7/2). I also scanned and e-mailed a copy to them for my records.They came back and said the following:"Looking through your messages, I can honor your official notice as of August 27th, as previous communications were negotiating renewal terms. As such, you will be rent responsible until October 27th"Needless to say, I was very pissed and sent them an e-mail back questioning their reading comprehension and insisting that I owe them nothing. The balance for the extra rent would be $1742. They hold a security deposit from me in the amount of $400.While I don't think they have a case against me to actually come after the money in court, I am worried that they will a) refuse to return my security deposit and, much worse, b) send the balance to collections and screw up my credit. My question is whether there is some type of pre-emptive action I can take to avoid them being able to do that. Do I try to scare them with a letter from my lawyer? Is there some type of injunction I can file to make it impossible for them to send to collections without suing me?This is in Washington, DC if that matters.Your help is very much appreciated. Thank you fellow FWFers.
Office Depot FAR software for the week of 09/16/2012
Added on : Friday September 14th 2012 12:00:05 AM
Office Depot FAR software for the week of 09/16/2012
Two titles advertised as free after rebate and five titles advertised as $9.99 after rebate. Will update to my usual standards by Saturday.
McAfee Total Protection 2012 For 3 Users
Item #677-596
FREE After $14 Instant & $66 Mfr. Mail-In Savings
In Store Price $65.99System Mechanic 8
Item #388-915
FREE After $4 Instant, $30 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $49.99 AVG Internet Security Business Edition 2012 For 3 Users
Item #708-898
$9.99 After $14 Instant, $10 Mfr. Mail-In Savings & $10 Mfr. Current User Upgrade Mail-In Savings
In Store Price $29.99Bookkeeper
Item #865-150
$9.99 After $2 Instant, $20 Mfr. Mail-In & $10 Mail-In Savings Visa Prepaid Card
In Store Price $39.99MyAttorney Home & Business
Item #949-667
$9.99 After $2 Instant & $30 Mail-In Savings Visa Prepaid Card
In Store Price $39.99MyMailList & Postage Saver
Item #119-940
$9.99 After $3 Instant, $30 Mfr. Mail-In & $10 Mail-In Savings Visa Prepaid Card
In Store Price $49.99System Mechanic Professional
Item #388-830
$9.99 After $30 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $69.99 --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------
Office Depot Coupons
Two titles advertised as free after rebate and five titles advertised as $9.99 after rebate. Will update to my usual standards by Saturday.
McAfee Total Protection 2012 For 3 Users
Item #677-596
FREE After $14 Instant & $66 Mfr. Mail-In Savings
In Store Price $65.99System Mechanic 8
Item #388-915
FREE After $4 Instant, $30 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $49.99 AVG Internet Security Business Edition 2012 For 3 Users
Item #708-898
$9.99 After $14 Instant, $10 Mfr. Mail-In Savings & $10 Mfr. Current User Upgrade Mail-In Savings
In Store Price $29.99Bookkeeper
Item #865-150
$9.99 After $2 Instant, $20 Mfr. Mail-In & $10 Mail-In Savings Visa Prepaid Card
In Store Price $39.99MyAttorney Home & Business
Item #949-667
$9.99 After $2 Instant & $30 Mail-In Savings Visa Prepaid Card
In Store Price $39.99MyMailList & Postage Saver
Item #119-940
$9.99 After $3 Instant, $30 Mfr. Mail-In & $10 Mail-In Savings Visa Prepaid Card
In Store Price $49.99System Mechanic Professional
Item #388-830
$9.99 After $30 Mfr. Mail-In & $30 Mfr. Current User Upgrade Mail-In Savings
In Store Price $69.99 --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------
Office Depot Coupons
BatchMarker PC Software - Add Visual and Text Watermarks to Photos - Free Download today only -9/12
Added on : Wednesday September 12th 2012 08:00:06 AM
http://www.bitsdujour.com/software/batchmarker-2BatchMarker lets you add visual logos or text watermarks to all of your photos, protecting them from theft and unauthorized use. With BatchMarker, you can add copyright, trademark, watermark, or any other identifying images to all of your photos in just a few clicks. Best of all, you have full control over the type, size, and transparency of your marks, so you can be as subtle or as IN YOUR FACE with your brand as you want. BatchMarker even offers smart resizing, so after setting the size and position of your watermark on one image, it will appear properly sized across all images, no matter how large or small your other images are. If you opt to add a logo, you'll be happy to know that all shadows and translucent bits are preserved across all images. As a bonus, you can import and save images in a variety of popular file formats.
http://www.bitsdujour.com/software/batchmarker-2BatchMarker lets you add visual logos or text watermarks to all of your photos, protecting them from theft and unauthorized use. With BatchMarker, you can add copyright, trademark, watermark, or any other identifying images to all of your photos in just a few clicks. Best of all, you have full control over the type, size, and transparency of your marks, so you can be as subtle or as IN YOUR FACE with your brand as you want. BatchMarker even offers smart resizing, so after setting the size and position of your watermark on one image, it will appear properly sized across all images, no matter how large or small your other images are. If you opt to add a logo, you'll be happy to know that all shadows and translucent bits are preserved across all images. As a bonus, you can import and save images in a variety of popular file formats.
Complete Collections by Robert Stanek (save $47)(+ $10 Graphic Novel) Free Kindle Edition eBooks
Added on : Tuesday September 11th 2012 01:00:47 PM
Complete First Year Adventures of Lass Ladybug (The Complete First Year Omnibus) http://www.amazon.com/Complete-Adventures-Ladybug-Omnibus-ebook/...
Over 260 pages. 8 complete stories, fully illustrated.
The complete first year adventures of Lass Ladybug, includes 8 full-length illustrated picture books for children of all ages.
Over 240 full-page pictures.
Included in this complete series omnibus are:
1. Have Trouble At School - Lass is having trouble at school. She sometimes feels that she's not as smart as the other bugs until her mom and dad talk to her about how bugs are all different.
2. Break Their Bad Habits - Bad behavior gets the best of the Bugville Critters. They forget their manners, do things they shouldn't, and get into trouble. It is up to a most unlikely bug to show them the right way to behave.
3. Stay After School - Lass has to stay after school but she doesn't want to. She'd rather go outside and play with her friends. She is surprised when she has fun and makes a new best friend.
4. Have A Bad Day - Lass has a bad day. Her friends don't want to play with her, and she feels so sad and lonely. Things get even worse when she encounters a stranger. But her bad day does have a bright spot-you'll see.
5. Visit City Hall - There's a big meeting at City Hall and all the bugs in Bugville are going. While just about all the other bugs are excited, Lass is worried. Her dad is the mayor and she thinks he's going to lose his job.
6. Have A Surprise Party - Lass and her family are having a surprise party and everyone is invited. Well almost everyone, for you see there's a problem with the invitations; and some certain, special bugs may not be coming to the party.
7. Have A Backyard Picnic - Lass and some of her friends are practicing for the B. Havior School Annual Spelling Bee. Cat isn't part of the spelling bee team and isn't invited. Mom Ladybug comes up with a plan to correct Lass's rude behavior and that plan includes a fantastic picnic lunch in the backyard for Lass and all her friends.
8. Compete in the BIG Spelling Bee - Lass and her friends are going to compete in the B. Havior School Annual Spelling Bee. When Lass gets a big case of stage fright, her family and friends work together to help her through it.Complete First Year Adventures of Buster Bee (The Complete First Year Omnibus) http://www.amazon.com/Complete-Adventures-Buster-Omnibus-ebook/d...
Over 225 pages.
7 complete stories, fully illustrated.
Included in this complete series omnibus are:
1. Visit Dad and Mom at Work - Buster just got back from playing bugsball in Bugville Park with his friends. He's practicing to be a hive helper so he can help his mom and dad.
2. Go to School - Buster is headed to school and he's nervous about his first day. At school, he meets his new teacher and feels special when she teaches the class all about being a bee.
3. Have a Sleepover - Sarah comes over for a sleepover. Buster learns the importance of sharing when he and Sarah play bugsball in the backyard. Mom has a special surprise at dinner and it turns into hilarious fun for the two young bugs.
4. Visit Garden Box Farms - Buster prepares for a trip to a nearby farm as part of a school project. Buster and Sarah have great adventures at the farm and also learn the importance of eating the right foods.
5. Go on Vacation - Buster and his family go on vacation to Long Lake. Buster is unsure about going away from home but learns to adjust. He meets a friend named Dag, and the two have fun at the lake.
6. Rush to the Hospital - Buster learns the value of doing what he is told. After all the hard work, Buster's mom has a special surprise for him, but there's an even bigger surprise waiting for Buster at Bugville General Hospital.
7. Play Their First BIG Game - Buster and his friends practice for and then play in the Little Bug League Tournament of Champions. Along the way, Buster learns the importance of family and the importance of being a helpful big little brother. Complete Undersea Counting Adventures of Buster Bee (The Complete Series Omnibus) http://www.amazon.com/Complete-Undersea-Counting-Adventures-eboo...
Join Buster and Lass and their new sea horse friends for special undersea adventures!
Included in this complete series omnibus are:
1. Buster Explores the Sea - Join Buster and Lass on the maiden voyage of the S.S. Bug where youll meet a kaleidoscope of undersea creatures.
2. Busters Undersea Counting Expedition 1 to 10 - A special undersea counting adventure from 1 to 10! It's fun and different. Can your child find and count the new friends as they arrive? You bet!
3. Busters Undersea Counting Expedition 1 to 20 - A special counting adventure from 1 to 20! It's fun and different. Can your child find and count the new friends as they arrive? You bet!
4. Undersea, 2, 3 with Buster and Friends - A fun and different way to learn number skills. Instead of focusing on simple 1-2-3 skills, this book focuses on number sequencing and grouping by 2s and 3s.
5. Undersea, 4, 5 with Buster and Friends - The ability to see groups of items and know their count is an essential skill for your child's development and forms the basis of many more advanced number skills. This book focuses on number sequencing and grouping by 4s and 5s.
6. Undersea, 6, 7 with Buster and Friends - The ability to see groups of items and know their count is an essential skill for your child's development and forms the basis of many more advanced number skills. This book focuses on number sequencing and grouping by 6s and 7s.
These Bugville Learning Adventures, written by best-selling author Robert Stanek, are designed to build number sequencing and grouping skills. Includes parent tips for advancing skills and getting more out of subsequent readings.
The witty narrative, with bountiful critter jargon, boisterous interjections, and plenty of humor, makes for a fun read-aloud, and colorful artwork captures the antics of the critters with playful perspectives and hilarious details.Complete Kingdoms and the Elves of the Reaches (The Complete Series Omnibus) http://www.amazon.com/Complete-Kingdoms-Reaches-Omnibus-ebook/dp...
***Optimized for Kindle and Kindle Fire
4 complete novels, over 1,000 pages.
Enter a world of titans and dragons, men and elves.
Two strangers will become friends. Their world will be transformed. Read their story.
Twelve-year-old Vilmos Tabborrath believes that he is merely the village counselor's son with a dark gift of magic. Soon he discovers that nothing is farther from the truth. His is a power that could change his world and as his destiny is revealed, he flees his village in order to save his family.
Thirteen-year-old Adrina Alder believes that the world is as dead and dark as she feels. She dwells in the past, longing for change and an end to her sadness. Yet when change comes, she never expects what it brings and her life is transformed forever. Now as the two are swept into a dangerous web of magic, treachery, and betrayal, their choices hold the lives of many and their world in the balance.
Fully linked and cross-linked with links to individual books and chapters within books. Extras: Lost chapters and scenes restored; the meeting of Xith and Vilmos as originally written; the story of Ruin Mist completely unaltered to hint at the story's origins in ancient myth and legend.
BOUNUS
A Daughter of Kings: The Graphic Novel (Battle for Ruin Mist, Graphic Novel #1)http://www.amazon.com/Daughter-Kings-Graphic-Battle-ebook/dp/B00...
The complete graphic novel. 403 pages
Enter a world of titans and dragons, men and elves.
Xith, Last of the Watchers, returns after a long search, bringing with him one of the coveted Orbs of Power. When Delinna Alder touches the orb, she will be transformed forever and come to know the lethal price of her prize.
As Delinna and Xith are swept into a dangerous web of magic, treachery, and betrayal, their choices hold the lives of many and their world in the balance.
Fully linked and cross-linked with links to parts within the book. Scene by scene, picture by picture, the story comes together over hundreds of pages.
Rating: Teens, 13 and up only. Some mature subject matter.
Over 260 pages. 8 complete stories, fully illustrated.
The complete first year adventures of Lass Ladybug, includes 8 full-length illustrated picture books for children of all ages.
Over 240 full-page pictures.
Included in this complete series omnibus are:
1. Have Trouble At School - Lass is having trouble at school. She sometimes feels that she's not as smart as the other bugs until her mom and dad talk to her about how bugs are all different.
2. Break Their Bad Habits - Bad behavior gets the best of the Bugville Critters. They forget their manners, do things they shouldn't, and get into trouble. It is up to a most unlikely bug to show them the right way to behave.
3. Stay After School - Lass has to stay after school but she doesn't want to. She'd rather go outside and play with her friends. She is surprised when she has fun and makes a new best friend.
4. Have A Bad Day - Lass has a bad day. Her friends don't want to play with her, and she feels so sad and lonely. Things get even worse when she encounters a stranger. But her bad day does have a bright spot-you'll see.
5. Visit City Hall - There's a big meeting at City Hall and all the bugs in Bugville are going. While just about all the other bugs are excited, Lass is worried. Her dad is the mayor and she thinks he's going to lose his job.
6. Have A Surprise Party - Lass and her family are having a surprise party and everyone is invited. Well almost everyone, for you see there's a problem with the invitations; and some certain, special bugs may not be coming to the party.
7. Have A Backyard Picnic - Lass and some of her friends are practicing for the B. Havior School Annual Spelling Bee. Cat isn't part of the spelling bee team and isn't invited. Mom Ladybug comes up with a plan to correct Lass's rude behavior and that plan includes a fantastic picnic lunch in the backyard for Lass and all her friends.
8. Compete in the BIG Spelling Bee - Lass and her friends are going to compete in the B. Havior School Annual Spelling Bee. When Lass gets a big case of stage fright, her family and friends work together to help her through it.Complete First Year Adventures of Buster Bee (The Complete First Year Omnibus) http://www.amazon.com/Complete-Adventures-Buster-Omnibus-ebook/d...
Over 225 pages.
7 complete stories, fully illustrated.
Included in this complete series omnibus are:
1. Visit Dad and Mom at Work - Buster just got back from playing bugsball in Bugville Park with his friends. He's practicing to be a hive helper so he can help his mom and dad.
2. Go to School - Buster is headed to school and he's nervous about his first day. At school, he meets his new teacher and feels special when she teaches the class all about being a bee.
3. Have a Sleepover - Sarah comes over for a sleepover. Buster learns the importance of sharing when he and Sarah play bugsball in the backyard. Mom has a special surprise at dinner and it turns into hilarious fun for the two young bugs.
4. Visit Garden Box Farms - Buster prepares for a trip to a nearby farm as part of a school project. Buster and Sarah have great adventures at the farm and also learn the importance of eating the right foods.
5. Go on Vacation - Buster and his family go on vacation to Long Lake. Buster is unsure about going away from home but learns to adjust. He meets a friend named Dag, and the two have fun at the lake.
6. Rush to the Hospital - Buster learns the value of doing what he is told. After all the hard work, Buster's mom has a special surprise for him, but there's an even bigger surprise waiting for Buster at Bugville General Hospital.
7. Play Their First BIG Game - Buster and his friends practice for and then play in the Little Bug League Tournament of Champions. Along the way, Buster learns the importance of family and the importance of being a helpful big little brother. Complete Undersea Counting Adventures of Buster Bee (The Complete Series Omnibus) http://www.amazon.com/Complete-Undersea-Counting-Adventures-eboo...
Join Buster and Lass and their new sea horse friends for special undersea adventures!
Included in this complete series omnibus are:
1. Buster Explores the Sea - Join Buster and Lass on the maiden voyage of the S.S. Bug where youll meet a kaleidoscope of undersea creatures.
2. Busters Undersea Counting Expedition 1 to 10 - A special undersea counting adventure from 1 to 10! It's fun and different. Can your child find and count the new friends as they arrive? You bet!
3. Busters Undersea Counting Expedition 1 to 20 - A special counting adventure from 1 to 20! It's fun and different. Can your child find and count the new friends as they arrive? You bet!
4. Undersea, 2, 3 with Buster and Friends - A fun and different way to learn number skills. Instead of focusing on simple 1-2-3 skills, this book focuses on number sequencing and grouping by 2s and 3s.
5. Undersea, 4, 5 with Buster and Friends - The ability to see groups of items and know their count is an essential skill for your child's development and forms the basis of many more advanced number skills. This book focuses on number sequencing and grouping by 4s and 5s.
6. Undersea, 6, 7 with Buster and Friends - The ability to see groups of items and know their count is an essential skill for your child's development and forms the basis of many more advanced number skills. This book focuses on number sequencing and grouping by 6s and 7s.
These Bugville Learning Adventures, written by best-selling author Robert Stanek, are designed to build number sequencing and grouping skills. Includes parent tips for advancing skills and getting more out of subsequent readings.
The witty narrative, with bountiful critter jargon, boisterous interjections, and plenty of humor, makes for a fun read-aloud, and colorful artwork captures the antics of the critters with playful perspectives and hilarious details.Complete Kingdoms and the Elves of the Reaches (The Complete Series Omnibus) http://www.amazon.com/Complete-Kingdoms-Reaches-Omnibus-ebook/dp...
***Optimized for Kindle and Kindle Fire
4 complete novels, over 1,000 pages.
Enter a world of titans and dragons, men and elves.
Two strangers will become friends. Their world will be transformed. Read their story.
Twelve-year-old Vilmos Tabborrath believes that he is merely the village counselor's son with a dark gift of magic. Soon he discovers that nothing is farther from the truth. His is a power that could change his world and as his destiny is revealed, he flees his village in order to save his family.
Thirteen-year-old Adrina Alder believes that the world is as dead and dark as she feels. She dwells in the past, longing for change and an end to her sadness. Yet when change comes, she never expects what it brings and her life is transformed forever. Now as the two are swept into a dangerous web of magic, treachery, and betrayal, their choices hold the lives of many and their world in the balance.
Fully linked and cross-linked with links to individual books and chapters within books. Extras: Lost chapters and scenes restored; the meeting of Xith and Vilmos as originally written; the story of Ruin Mist completely unaltered to hint at the story's origins in ancient myth and legend.
BOUNUS
A Daughter of Kings: The Graphic Novel (Battle for Ruin Mist, Graphic Novel #1)http://www.amazon.com/Daughter-Kings-Graphic-Battle-ebook/dp/B00...
The complete graphic novel. 403 pages
Enter a world of titans and dragons, men and elves.
Xith, Last of the Watchers, returns after a long search, bringing with him one of the coveted Orbs of Power. When Delinna Alder touches the orb, she will be transformed forever and come to know the lethal price of her prize.
As Delinna and Xith are swept into a dangerous web of magic, treachery, and betrayal, their choices hold the lives of many and their world in the balance.
Fully linked and cross-linked with links to parts within the book. Scene by scene, picture by picture, the story comes together over hundreds of pages.
Rating: Teens, 13 and up only. Some mature subject matter.
Credit Repair Mastery - Ninja Tricks to Increase Your FICO Score -Free Kindle Edition eBook
Added on : Tuesday September 11th 2012 12:00:42 PM
Credit Repair Mastery - Ninja Tricks to Increase Your FICO Score -Free ebook
4.6 out of 5 stars Link
Written by a former credit agency CEO, Inside Credit Repair Mastery you will find all the do it yourself steps to repairing and improving your credit and FICO score. Get Leverage and Negotiate your credit like the pros, take steps to boost your credit score in a matter of months and get those nasty blemishes off your public record for good!
4.6 out of 5 stars Link
Written by a former credit agency CEO, Inside Credit Repair Mastery you will find all the do it yourself steps to repairing and improving your credit and FICO score. Get Leverage and Negotiate your credit like the pros, take steps to boost your credit score in a matter of months and get those nasty blemishes off your public record for good!
Just Dance 4 (Kinect) + $10 MS Store Coupon + 1600 Xbox Live Points - $39.99 Shipped @ MS Store
Added on : Tuesday September 11th 2012 11:00:11 AM
Pre-Order Just Dance 4 for Kinect and recieve a $10 Micros0ft Store Coupon and 1600 Xbox live points (for DLC, add-on's, arcade games, movies). Releases 10/9/12. Ships free. LINKDance Tracks!
* Bill Medley & Jennifer Warnes (I've Had) The Time of My Life
* Las Ketchup Asereje (The Ketchup Song)
* Justin Bieber featuring Nicki Minaj Beauty and a Beat
* Panjabi MC Beware Of The Boys (Mundian To Bach Ke)
* Carly Rae Jepsen Call Me Maybe
* Boys Town Gang Can't Take My Eyes Off You
* Emma Cercavo Amore
* Army of Lovers Crucified
* Rihanna Disturbia
* Dancing Bros. Everybody Needs Somebody To Love
* Flo Rida Good Feeling
* Blu Cantrell Hit 'Em Up Style (Oops!)
* A.K.A Hot For Me
* The Blackout Allstars I Like It
* They Might Be Giants Istanbul
* Elvis Presley Jailhouse Rock
* Ricky Martin Livin' la Vida Loca
* Selena Gomez and the Scene Love You Like A Love Song
* Nelly Furtado Maneater
* Sergio Mendes featuring The Black Eyed Peas Mas Que Nada
* Maroon 5 featuring Christina Aguilera Moves Like Jagger
* Alexandra Stan Mr. Saxobeat
* Rick Astley Never Gonna Give You Up
* Marina and The Diamonds Oh No!
* Jennifer Lopez featuring Pitbull On The Floor
* The Girly Team Oops!... I Did It Again
* The B-52's Rock Lobster
* Skrillex Rock NRoll (Will Take You To The Mountain)
* Kat DeLuna featuring Busta Rhymes Run The Show
* Anja Crazy Little Thing
* P!nk So What
* Sammy - Some Catchin' Up To Do
* Nicki Minaj Super Bass
* Stevie Wonder Superstition
* Europe The Final Countdown
* Halloween Thrills Time Warp
* 2 Unlimited Tribal Dance
* Rihanna featuring Jay-Z Umbrella
* Hit The Electro Beat We No Speak Americano
* One Direction What Makes You Beautiful
* Will Smith Wild Wild West
* Barry White You're The First, The Last, My Everything
* Carrie Underwood Good Girl (U.S. exclusive)
* Bunny Beatz Make The Party (Don't Stop) (Wii U, Xbox 360 and PlayStation Move only)Everybody's favorite dance game is back with Just Dance 4! The latest edition takes the party to a whole new level of fun, with over 40 all-new chart-topping hits, the coolest dances, and unique features. Just Dance 4 is your ticket to the best new music with tracks from a variety of top artists, popular genres, and hot billboard songs such as What Makes You Beautiful by One Direction, Call Me Maybe by Carly Rae Jepsen, Good Feeling by Flo Rida, and Moves like Jagger by Maroon 5 featuring Christina Aguilera.The tracklist also features legendary artists such as Barry White and the B-52s to get the whole family up and moving. Just Dance 4 is the perfect catalyst for parties, no matter what the occasion, thanks to innovative new modes like the all-new Battle mode, an upgraded Just Sweat mode, and even more fun, exclusive modes for the Kinect for Xbox 360.
Microsoft Store Coupons
* Bill Medley & Jennifer Warnes (I've Had) The Time of My Life
* Las Ketchup Asereje (The Ketchup Song)
* Justin Bieber featuring Nicki Minaj Beauty and a Beat
* Panjabi MC Beware Of The Boys (Mundian To Bach Ke)
* Carly Rae Jepsen Call Me Maybe
* Boys Town Gang Can't Take My Eyes Off You
* Emma Cercavo Amore
* Army of Lovers Crucified
* Rihanna Disturbia
* Dancing Bros. Everybody Needs Somebody To Love
* Flo Rida Good Feeling
* Blu Cantrell Hit 'Em Up Style (Oops!)
* A.K.A Hot For Me
* The Blackout Allstars I Like It
* They Might Be Giants Istanbul
* Elvis Presley Jailhouse Rock
* Ricky Martin Livin' la Vida Loca
* Selena Gomez and the Scene Love You Like A Love Song
* Nelly Furtado Maneater
* Sergio Mendes featuring The Black Eyed Peas Mas Que Nada
* Maroon 5 featuring Christina Aguilera Moves Like Jagger
* Alexandra Stan Mr. Saxobeat
* Rick Astley Never Gonna Give You Up
* Marina and The Diamonds Oh No!
* Jennifer Lopez featuring Pitbull On The Floor
* The Girly Team Oops!... I Did It Again
* The B-52's Rock Lobster
* Skrillex Rock NRoll (Will Take You To The Mountain)
* Kat DeLuna featuring Busta Rhymes Run The Show
* Anja Crazy Little Thing
* P!nk So What
* Sammy - Some Catchin' Up To Do
* Nicki Minaj Super Bass
* Stevie Wonder Superstition
* Europe The Final Countdown
* Halloween Thrills Time Warp
* 2 Unlimited Tribal Dance
* Rihanna featuring Jay-Z Umbrella
* Hit The Electro Beat We No Speak Americano
* One Direction What Makes You Beautiful
* Will Smith Wild Wild West
* Barry White You're The First, The Last, My Everything
* Carrie Underwood Good Girl (U.S. exclusive)
* Bunny Beatz Make The Party (Don't Stop) (Wii U, Xbox 360 and PlayStation Move only)Everybody's favorite dance game is back with Just Dance 4! The latest edition takes the party to a whole new level of fun, with over 40 all-new chart-topping hits, the coolest dances, and unique features. Just Dance 4 is your ticket to the best new music with tracks from a variety of top artists, popular genres, and hot billboard songs such as What Makes You Beautiful by One Direction, Call Me Maybe by Carly Rae Jepsen, Good Feeling by Flo Rida, and Moves like Jagger by Maroon 5 featuring Christina Aguilera.The tracklist also features legendary artists such as Barry White and the B-52s to get the whole family up and moving. Just Dance 4 is the perfect catalyst for parties, no matter what the occasion, thanks to innovative new modes like the all-new Battle mode, an upgraded Just Sweat mode, and even more fun, exclusive modes for the Kinect for Xbox 360.
Microsoft Store Coupons
Credit Repair Mastery - Ninja Tricks to Increase Your FICO Score -Free ebook
Added on : Tuesday September 11th 2012 09:00:39 AM
Credit Repair Mastery - Ninja Tricks to Increase Your FICO Score -Free ebook
4.6 out of 5 stars Link
Written by a former credit agency CEO, Inside Credit Repair Mastery you will find all the do it yourself steps to repairing and improving your credit and FICO score. Get Leverage and Negotiate your credit like the pros, take steps to boost your credit score in a matter of months and get those nasty blemishes off your public record for good!
4.6 out of 5 stars Link
Written by a former credit agency CEO, Inside Credit Repair Mastery you will find all the do it yourself steps to repairing and improving your credit and FICO score. Get Leverage and Negotiate your credit like the pros, take steps to boost your credit score in a matter of months and get those nasty blemishes off your public record for good!
History :
I purchased a NEW home (we built) that was at the very top of what I could afford in January of 2010. Because my parents and sister were moving in with me, and my sister is a quadriplegic we built the house very specifically to meet her needs and the home was not complete until July. We happily settled, and moved in. I was working 3 jobs at the time.In August we spent a considerable amount of money building in-law's quarters, and September we were re-assessed for $47,100 more than we paid for the house. This managed to win us three interim tax bills totaling about $15,000, but that is for another thread someday The following January, I lost my highest paying job. I had a lot of credit I was able to live off while positioning to make more money at my other jobs. Yes, I know in hindsight this seems crazy, but I had succeeded before and had high hopes.Now :
I managed to keep up on all bills for the next 13 months (Feb of 2012), but then had tapped out all my resources. I knew the fecal matter was about to come into contact with the air projection utility. Before that happened, the first thing I did was call BoA (the servicer of my mortgage) and ask what I could do. I learned about the mortgage modification program so I immediately applied. Since my income and expense ratios met with everything that I could find online I thought it was a sure thing. Unfortunately BoA didn't agree. They said that my financial ratios were not where they needed to be. They could offer three months of forbearance after which if anything changed I could re-apply. I asked what made my ratios not fit since they seemed to fit according to everything on the gov't website and was told they did not know and would get me an answer from underwriting. A week or so later I was told that was confidential information and they could not tell me, so I accepted the forbearance.After the three months had expired I did have a slight increase in pay, and my debt had gone down a notable amount so I re-applied. Rejected! Again, I was told again that they were not permitted to tell me what made my financial ratios not meet the qualifications. I have since re-applied two more times each time with the same result...Since the end of the forbearance, my housing payment has been overdue and I watched my Experian FICO score fall from 780 to the low 600s. Then most of my credit cards cut my limits so that I could not continue to use them (despite that they have continued to be paid on time) and in turn that made my used to available credit ratios spike and now my Experian FICO score has hit 560.Now I'm sitting in a house that is admittedly above my means. Seems like the right answer is just to sell BUT I have myself, my wife, 7 kids and parents and sister, (yeah, that's 12 of us) two having severe disabilities which makes it so we can't just live anywhere, so I need to keep THIS roof over our heads.The only other option I could think of is to refinance, but with my current debt to income and my recent credit suicide no one is willing to take the risk.The Questions :
Is it possible that BoA (or whoever holds the loan) actually does want to foreclose on me since I owe roughly 100K less than the house is "worth"?
Can BoA withhold that information from me? They feel that telling me that my ratios are insufficient fills their obligation.
Even if it means taking a huge ego hit and having to go a "deadbeat" route, is there anything that I can do to keep THIS house?
Should I finally cave in and call one of these lawyers that swear they can save your house and cut all your debts?
==EDITED TO ADD==
I figured some of the first questions would be :
What State do you live in? : PA
Is the house in just your name? : Deed is both wife and mine, mortgage is just mine
Does your wife work? : Yeah, harder than most humans alive.... you try managing a house this size. But is she paid? No... it would cost us way more to have our children taken care of than we would get from her working.
Do your parents and sister pay rent? : No, they do however pay the "housing expenses" (water, sewer, trash, electric, gas, phone, internet)
WTF you have 7 kids?! : yes... I love kids! So I hope the F in your WTF stood for Frick!
I purchased a NEW home (we built) that was at the very top of what I could afford in January of 2010. Because my parents and sister were moving in with me, and my sister is a quadriplegic we built the house very specifically to meet her needs and the home was not complete until July. We happily settled, and moved in. I was working 3 jobs at the time.In August we spent a considerable amount of money building in-law's quarters, and September we were re-assessed for $47,100 more than we paid for the house. This managed to win us three interim tax bills totaling about $15,000, but that is for another thread someday The following January, I lost my highest paying job. I had a lot of credit I was able to live off while positioning to make more money at my other jobs. Yes, I know in hindsight this seems crazy, but I had succeeded before and had high hopes.Now :
I managed to keep up on all bills for the next 13 months (Feb of 2012), but then had tapped out all my resources. I knew the fecal matter was about to come into contact with the air projection utility. Before that happened, the first thing I did was call BoA (the servicer of my mortgage) and ask what I could do. I learned about the mortgage modification program so I immediately applied. Since my income and expense ratios met with everything that I could find online I thought it was a sure thing. Unfortunately BoA didn't agree. They said that my financial ratios were not where they needed to be. They could offer three months of forbearance after which if anything changed I could re-apply. I asked what made my ratios not fit since they seemed to fit according to everything on the gov't website and was told they did not know and would get me an answer from underwriting. A week or so later I was told that was confidential information and they could not tell me, so I accepted the forbearance.After the three months had expired I did have a slight increase in pay, and my debt had gone down a notable amount so I re-applied. Rejected! Again, I was told again that they were not permitted to tell me what made my financial ratios not meet the qualifications. I have since re-applied two more times each time with the same result...Since the end of the forbearance, my housing payment has been overdue and I watched my Experian FICO score fall from 780 to the low 600s. Then most of my credit cards cut my limits so that I could not continue to use them (despite that they have continued to be paid on time) and in turn that made my used to available credit ratios spike and now my Experian FICO score has hit 560.Now I'm sitting in a house that is admittedly above my means. Seems like the right answer is just to sell BUT I have myself, my wife, 7 kids and parents and sister, (yeah, that's 12 of us) two having severe disabilities which makes it so we can't just live anywhere, so I need to keep THIS roof over our heads.The only other option I could think of is to refinance, but with my current debt to income and my recent credit suicide no one is willing to take the risk.The Questions :
Is it possible that BoA (or whoever holds the loan) actually does want to foreclose on me since I owe roughly 100K less than the house is "worth"?
Can BoA withhold that information from me? They feel that telling me that my ratios are insufficient fills their obligation.
Even if it means taking a huge ego hit and having to go a "deadbeat" route, is there anything that I can do to keep THIS house?
Should I finally cave in and call one of these lawyers that swear they can save your house and cut all your debts?
==EDITED TO ADD==
I figured some of the first questions would be :
What State do you live in? : PA
Is the house in just your name? : Deed is both wife and mine, mortgage is just mine
Does your wife work? : Yeah, harder than most humans alive.... you try managing a house this size. But is she paid? No... it would cost us way more to have our children taken care of than we would get from her working.
Do your parents and sister pay rent? : No, they do however pay the "housing expenses" (water, sewer, trash, electric, gas, phone, internet)
WTF you have 7 kids?! : yes... I love kids! So I hope the F in your WTF stood for Frick!
I need some advise how to deal with former employer about my termination data and coverage date of insurance. I found a new job and gave two weeks notice to finish my employment on 06/01/2012. Employer didn't match the offer (they tried, but it was too much) and just before finishing we made a deal that I will be working on a weekends (Fridays PM shift, AM shift on Saturdays and Sunday) until they find replacement and I will keep insurance until I am employed. It was suppose to be for few weeks, at most till August. I was working weekends for my ex employer and on 07/20 before shift started on 6pm I sent email to my supervisor and HR rep that I'm terminating immediately (at will employment). My last day working was 07/15 and I was planning to work following weekend, but then I was too tired to work 7 days a week and I made decision on 7/20 to quit immediately. So everything nice, until I got papers from benefits center that my benefits stopped on 07/15 and I had medical visit on 07/18 and that was not covered and now doctor is going after me to get paid. I never terminated on 07/15 and I am under impression that I should be covered until 07/20 until I terminated myself. I've contacted HR rep about it (any my former boss) to revise the date as the one they have put is fraudulent date. Never heard a response....Should I take this manner to Small Claim court? Intend to sue letter should work? Labor department help? This is in New York City if that matters.
$15 for $30 toward flowers and gifts - Google Offers
Added on : Monday September 10th 2012 11:00:06 AM
$15 for $30 toward flowers and gifts - Google OffersThe deal
September is brimming with birthdays and what better way to celebrate than with a gorgeous bouquet from 1800Flowers.com? Forget the bow-wrapped package and fill that special someones front porch with their favorite bloom instead. Whether they like lilies or roses, orchids or daisies, youre sure to find the perfect arrangement to brighten their special day (or any day, for that matter). The sites ever-blossoming selection includes everything from the Fields of Europe for Fall in shades of orange, yellow, and red to the creative Birthday Flower Cake, made entirely of fresh blooms that look and smell divine. Plus, you can personalize their delivery with a balloon, stuffed animal, candy, and of course, a personal message. Now that, ladies and gents, is how you say Happy Birthday.Where to redeem - 1800Flowers.comwww.1800flowers.comOnline redemption availableLimit 1 offer per person. Limit 1 offer per order at 1800Flowers.com. Valid online or at 1800Flowers stores only. Offer must be redeemed within 54 days. Offer value may be used toward shipping or service charges. Shipping rates and delivery times vary. Shipping for direct-shipped gifts starts at $4.99 and flowers arrive in a box. Service charges for florist gifts starts at $12.99 and flowers arrive in a vase. Sunday delivery available with select local florists only. No Sunday shipping available. Items may vary and are subject to delivery rules and times. This offer is for a unique promo voucher good until 10/31/12 (11:59pm ET) for $30 at 1800Flowers.com. After the redemption period ends on 10/31/12 (11:59pm ET), the promo voucher loses its promotional value and buyers who have not redeemed the promo voucher will automatically receive a refund for the value they paid ($15), credited to the credit or debit card used to purchase the promo voucher, within 2 weeks of the close of the redemption period.See the rules that apply to all offers https://www.google.com/offers/home?
Google Offers Coupons
September is brimming with birthdays and what better way to celebrate than with a gorgeous bouquet from 1800Flowers.com? Forget the bow-wrapped package and fill that special someones front porch with their favorite bloom instead. Whether they like lilies or roses, orchids or daisies, youre sure to find the perfect arrangement to brighten their special day (or any day, for that matter). The sites ever-blossoming selection includes everything from the Fields of Europe for Fall in shades of orange, yellow, and red to the creative Birthday Flower Cake, made entirely of fresh blooms that look and smell divine. Plus, you can personalize their delivery with a balloon, stuffed animal, candy, and of course, a personal message. Now that, ladies and gents, is how you say Happy Birthday.Where to redeem - 1800Flowers.comwww.1800flowers.comOnline redemption availableLimit 1 offer per person. Limit 1 offer per order at 1800Flowers.com. Valid online or at 1800Flowers stores only. Offer must be redeemed within 54 days. Offer value may be used toward shipping or service charges. Shipping rates and delivery times vary. Shipping for direct-shipped gifts starts at $4.99 and flowers arrive in a box. Service charges for florist gifts starts at $12.99 and flowers arrive in a vase. Sunday delivery available with select local florists only. No Sunday shipping available. Items may vary and are subject to delivery rules and times. This offer is for a unique promo voucher good until 10/31/12 (11:59pm ET) for $30 at 1800Flowers.com. After the redemption period ends on 10/31/12 (11:59pm ET), the promo voucher loses its promotional value and buyers who have not redeemed the promo voucher will automatically receive a refund for the value they paid ($15), credited to the credit or debit card used to purchase the promo voucher, within 2 weeks of the close of the redemption period.See the rules that apply to all offers https://www.google.com/offers/home?
Google Offers Coupons
HONDA ACCORD LX 2012 LEASE 36 MONTH 237 0 Down no Tax 0 Down payment
Added on : Saturday September 08th 2012 10:00:02 PM
Just leased a 2012 Honda Accord 0 down That means 0 no tax title nothing.
Not the Loaded on no leather no Sun roof No power seats ,.,.Has Cruise.. LOL.. I live in Vgeas every thing is 10 miles away no matter where you go.
237 a month Great deal,..,,. I've leased cars for 15 years or longer ,,.,., Please
no Hate responses this is a great forum i read some peoples posts and they are negative..
If you don't like the post keep reading other ones.,.,,.,.
Not the Loaded on no leather no Sun roof No power seats ,.,.Has Cruise.. LOL.. I live in Vgeas every thing is 10 miles away no matter where you go.
237 a month Great deal,..,,. I've leased cars for 15 years or longer ,,.,., Please
no Hate responses this is a great forum i read some peoples posts and they are negative..
If you don't like the post keep reading other ones.,.,,.,.
IOGEAR GFR209A 12-in-1 USB 2.0 Pocket Card Reader/Writer (White) - $3.19 Shipped @ Newegg
Added on : Thursday September 06th 2012 09:00:11 AM
New3gg currently has all memory card readers on sale for 20% off. Save $8.80 after instant savings and promo code on this IOGEAR 12-in-1 reader. Ships free. See the link below for more readers. LINK
Promo Code: EMCNAND58 (expires 9/12)Use the same promo code: EMCNAND58 for: Free Shipping Eligible Card ReadersIOGEAR's 12-in-1 Pocket Card Reader / Writer is an ideal solution for hi-speed, bi-directional image and data file transfer between your computer and multimedia devices. Images and data can be downloaded directly to your PC or Mac from your memory cards without using additional adapters. It works with 12 popular memory card formats such as SD, SDHC, microSD, microSDHC, Mini SD, MMC, Memory Stick, and MS Duo. With direct USB 2.0 high-speed file transfers (up to 480Mbps) from memory cards used in your cell phone, MP3 player, or digital camera, you can save time and conserve power on devices. It instantly transfers your slotMusic songs to your PC or Mac. No matter where you go, IOGEAR's 12-in-1 Pocket Card Reader / Writer helps you to easily bring your digital images and data with you.COMPACT AND CONVENIENT
The IOGEAR GFR209A features a sleek, stylish contour and a USB 2.0 interface to provide extreme portability and great convenience. It is also backward compatible with USB 1.1 specification. This device is Plug-n-Play, hot swappable, and hot pluggable.WIDE RANGE OF CARDS SUPPORT
The IOGEAR GFR209A supports a wide range of memory card types including microSD / microSDHC / T-Flash, SD/SDHC, mini SD, MMC, MMC Plus, RS-MMC, MMC Mobile, MS, MS Pro, MS Duo, and MS Pro Duo.
Newegg Coupons
Promo Code: EMCNAND58 (expires 9/12)Use the same promo code: EMCNAND58 for: Free Shipping Eligible Card ReadersIOGEAR's 12-in-1 Pocket Card Reader / Writer is an ideal solution for hi-speed, bi-directional image and data file transfer between your computer and multimedia devices. Images and data can be downloaded directly to your PC or Mac from your memory cards without using additional adapters. It works with 12 popular memory card formats such as SD, SDHC, microSD, microSDHC, Mini SD, MMC, Memory Stick, and MS Duo. With direct USB 2.0 high-speed file transfers (up to 480Mbps) from memory cards used in your cell phone, MP3 player, or digital camera, you can save time and conserve power on devices. It instantly transfers your slotMusic songs to your PC or Mac. No matter where you go, IOGEAR's 12-in-1 Pocket Card Reader / Writer helps you to easily bring your digital images and data with you.COMPACT AND CONVENIENT
The IOGEAR GFR209A features a sleek, stylish contour and a USB 2.0 interface to provide extreme portability and great convenience. It is also backward compatible with USB 1.1 specification. This device is Plug-n-Play, hot swappable, and hot pluggable.WIDE RANGE OF CARDS SUPPORT
The IOGEAR GFR209A supports a wide range of memory card types including microSD / microSDHC / T-Flash, SD/SDHC, mini SD, MMC, MMC Plus, RS-MMC, MMC Mobile, MS, MS Pro, MS Duo, and MS Pro Duo.
Newegg Coupons
Craftsman AssureLink Internet Connected DC Belt Drive Garage Door Opener with DieHard Battery Backup $250 Store Pick
Added on : Thursday September 06th 2012 01:00:04 AM
http://www.sears.com/shc/s/p_10153_12605_00903043000PCraftsman Assurelink Garage Door Opener: Safe, Secure, ConnectedThe Assurelink Garage Door system delivers quality control and peace of mind in an innovative package. If youve ever hustled out of the house not certain whether or not you closed the garage door, wanted the garage door to open as you pull in the drive or needed the assurance, that no matter what, youre garage will be safe, secure and accessible to only you, this is the system you want. Featuring an advanced tri frequency remote control this garage door opener, not only delivers an extended range, but cuts down on interference so even when youre a block away, your garage will be ready to open at the touch of a button.Did you close the garage door? Are you sure? The Craftsman Assurelink Garage Door system includes two powerful tools to help deal with that question. With a built-in wall timer, you can set your door to close automatically after you exit, and if you need proof to put a worried mind to rest, Assurelink allows you to monitor and activate your garage door from the web, so whether youre in Bangkok on business or walled-in by downtown traffic, you can know for certain that your home is safe and secure. A solid system that delivers day after day for decades, install Assurelink in your garage, and get the dependability, reliability and convenience. And backed by the power of DieHard this system will deliver, even when the power company just cant. Opener Includes: Power unit, wall console, battery backup unit, safety sensors, rail, hardware, owners manual, 2 Security + 3-function remotes, a wireless keyless entry pad, AssureLink GatewayThe Assurelink Garage Door system gives you peace of mind in an innovative package
DC motor with Soft Start-Stop Provides smooth, ultra quiet operation of the opener. Ideal for garages with living areas nearby.
Belt drive is reinforced and manufactured like a steel belted tire with braided steel cables to insure years of dependable
Craftsman AssureLink Internet Gateway* allows you to monitor and operate your garage door from anywhere with your internet-enabled smart phone, cell phone, laptop, or tablet via the Craftsman AssureLink mobile app* or web-interface*
DieHard Battery backup system provides up to 20 open/close cycles in the first 24 hours of a power outage
LCD Smart Motion Detecting Wall Console operates the opener from inside the garage and displays time, temperature, and opener diagnostic functions
Auto sensors turn on lights when movement is sensed
MyQ Technology Compatible for convenient connection
HomeLink compatible for in car connectivity
Quick Install Rail System provides faster and easier installation in 60 seconds
Protector System Safety reversing sensors with Rapid-Snap brackets
PosiLock System is a theft protection system securely locks door when it is down preventing intruders from entering garage
Professional installation available.
Extension kits to complete installation for 8 ft. (9-53728) and 10 ft. (9-53729) doors are availableWarranty: 10 year limited on motor; 3 year limited parts
*Annual activation fee may be required
Sears.com Coupons
DC motor with Soft Start-Stop Provides smooth, ultra quiet operation of the opener. Ideal for garages with living areas nearby.
Belt drive is reinforced and manufactured like a steel belted tire with braided steel cables to insure years of dependable
Craftsman AssureLink Internet Gateway* allows you to monitor and operate your garage door from anywhere with your internet-enabled smart phone, cell phone, laptop, or tablet via the Craftsman AssureLink mobile app* or web-interface*
DieHard Battery backup system provides up to 20 open/close cycles in the first 24 hours of a power outage
LCD Smart Motion Detecting Wall Console operates the opener from inside the garage and displays time, temperature, and opener diagnostic functions
Auto sensors turn on lights when movement is sensed
MyQ Technology Compatible for convenient connection
HomeLink compatible for in car connectivity
Quick Install Rail System provides faster and easier installation in 60 seconds
Protector System Safety reversing sensors with Rapid-Snap brackets
PosiLock System is a theft protection system securely locks door when it is down preventing intruders from entering garage
Professional installation available.
Extension kits to complete installation for 8 ft. (9-53728) and 10 ft. (9-53729) doors are availableWarranty: 10 year limited on motor; 3 year limited parts
*Annual activation fee may be required
Sears.com Coupons
LEUKEMIA & LYMPHOMA SOCIETY - Free Co-Pay Assistance Program Brochure
Added on : Tuesday September 04th 2012 05:00:31 AM
Free Materials The Leukemia & Lymphoma Society publishes many educational brochures and pamphlets that are available FREE to the public. They are designed to provide up-to-date information.NEW Co-pay Assistance Program - ENGLISH
Old Man Winter Is Coming Soon- Water Resistant Reversible Jacket $23 Shipped @ Walmart
Added on : Monday September 03rd 2012 01:00:10 PM
El Linko Bundle up during the cold season with this men's water resistant reversible jacket with removable hood. Its polyester shell will act against any weather and keep you dry. Its fleece lined providing extra warmth and the hood is completely removable. No matter what the weather man says, with this jacket you'll be ready. Pick from one of the assorted colors. Men's Water Resistant 2-tone Polyester Jacket With Reversible Fleece Lining and Removable Hood. Zip Front, 2-zip-closure front hand pockets. Elastic cord hem with toggle lock. Machine wash/dry. Imported.
Men's Water Resistant Reversible Jacket with Removable Hood: Poly blend
Front zipper closure
High foldable collar
Side zip-up pockets
Adjustable Velcro strap and elastic shirring on cuffs
Adjustable drawstring tie on hem
Hood on back with adjustable drawstring ties
Zipper on hood for easy removal
Fleece lined
Water resistant
Walmart Coupons
Men's Water Resistant Reversible Jacket with Removable Hood: Poly blend
Front zipper closure
High foldable collar
Side zip-up pockets
Adjustable Velcro strap and elastic shirring on cuffs
Adjustable drawstring tie on hem
Hood on back with adjustable drawstring ties
Zipper on hood for easy removal
Fleece lined
Water resistant
Walmart Coupons
MAXI-MATIC Elite Platinum Whole Fruit Juice Extractor - $34.99 Shipped @ Newegg (was $70)
Added on : Saturday September 01st 2012 12:00:04 PM
Save $35! Make your own refreshing and healthy drinks with this juicing machine. Beats others on average by $19 and up with free shipping & no tax for most! Link
Promo Code: EMCYTZT2139 (expires end of day 9/2)Features:
* 2 speed control switch
* Include a 1Qt. Juice pitcher with foam separator which easily attaches to spout (black finish)
* Powerful extracting motor up to 700 Watts
* Automatic shut-off to prevent overheating
* Safety lock function to prevent operation if item is not properly assembled
* Surgical steel no-rust filter cutter
* Oversize strainer for more juice extracting
* Stainless steel locking handle with safety switch construction
* Large feeding chute able to fit whole apples and many other varieties of large fruits and vegetables
* Extra large pulp container to easily discard unwanted pulp
* Easy flow juice dispenser to fit any size cup
* Detachable parts for easy cleaning
* Dishwasher safe parts and accessoriesDrink to your health. Get into the world of juicing with Maxi-Matic's Elite Platinum EJX-9700 Juice Extractor. The powerful motor with 2 speed settings allows you to juice hard fruits and vegetables as well as softer fruits and leafy green vegetables. The unit comes with an oversized pulp container for more juice extracting, large feeding chute and 1 quart juice pitcher with foam separator which easily attaches to spout (black finish). Easy flow juice dispenser fits any size cup. Removable parts and accessories are dishwasher-safe for easy cleaning.POWERFUL MOTOR AND LARGE FEED CHUTE
The Maxi-Matic EJX-9700 features a powerful 700 watt motor and large feed chute that holds whole apples and many other varieties of large fruits and vegetables so you can have tasteful juice no matter what the fruit or vegetables are.EXTRACTION QUALITY
The Maxi-Matic EJX-9700 comes equipped with a surgical steel no-rust filter cutter, a stainless-steel mesh filter, an oversized strainer together with 2-speed control switch to enhance juice extraction.SAFETY IN MIND
For peace of mind, the juice extractor features a stainless-steel locking handle with safety switch construction, safety-lock function that prevents operation if the unit is not properly assembled, and automatic shut-off to prevent overheating.
Newegg Coupons
Promo Code: EMCYTZT2139 (expires end of day 9/2)Features:
* 2 speed control switch
* Include a 1Qt. Juice pitcher with foam separator which easily attaches to spout (black finish)
* Powerful extracting motor up to 700 Watts
* Automatic shut-off to prevent overheating
* Safety lock function to prevent operation if item is not properly assembled
* Surgical steel no-rust filter cutter
* Oversize strainer for more juice extracting
* Stainless steel locking handle with safety switch construction
* Large feeding chute able to fit whole apples and many other varieties of large fruits and vegetables
* Extra large pulp container to easily discard unwanted pulp
* Easy flow juice dispenser to fit any size cup
* Detachable parts for easy cleaning
* Dishwasher safe parts and accessoriesDrink to your health. Get into the world of juicing with Maxi-Matic's Elite Platinum EJX-9700 Juice Extractor. The powerful motor with 2 speed settings allows you to juice hard fruits and vegetables as well as softer fruits and leafy green vegetables. The unit comes with an oversized pulp container for more juice extracting, large feeding chute and 1 quart juice pitcher with foam separator which easily attaches to spout (black finish). Easy flow juice dispenser fits any size cup. Removable parts and accessories are dishwasher-safe for easy cleaning.POWERFUL MOTOR AND LARGE FEED CHUTE
The Maxi-Matic EJX-9700 features a powerful 700 watt motor and large feed chute that holds whole apples and many other varieties of large fruits and vegetables so you can have tasteful juice no matter what the fruit or vegetables are.EXTRACTION QUALITY
The Maxi-Matic EJX-9700 comes equipped with a surgical steel no-rust filter cutter, a stainless-steel mesh filter, an oversized strainer together with 2-speed control switch to enhance juice extraction.SAFETY IN MIND
For peace of mind, the juice extractor features a stainless-steel locking handle with safety switch construction, safety-lock function that prevents operation if the unit is not properly assembled, and automatic shut-off to prevent overheating.
Newegg Coupons
This is from John Bogle (founder of Vanguard) and thought it was worth a share.1. Remember reversion to the mean. What's hot today isn't likely to be hot tomorrow. The stock market reverts to fundamental returns over the long run. Don't follow the herd.2. Time is your friend, impulse is your enemy. Take advantage of compound interest and don't be captivated by the siren song of the market. That only seduces you into buying after stocks have soared and selling after they plunge.3. Buy right and hold tight. Once you set your asset allocation, stick to it no matter how greedy or scared you become.4. Have realistic expectations. You are unlikely to get rich quickly. Bogle thinks a 7.5 percent annual return for stocks and a 3.5 percent annual return for bonds is reasonable in the long-run.5. Forget the needle, buy the haystack. Buy the whole market and you can eliminate stock risk, style risk, and manager risk. Your odds of finding the next Apple (AAPL) are low.6. Minimize the "croupier's" take. Beating the stock market and the casino are both zero-sum games, before costs. You get what you don't pay for.7. There's no escaping risk. I've long searched for high returns without risk; despite the many claims that such investments exist, however, I haven't found it. And a money market may be the ultimate risk because it will likely lag inflation.8. Beware of fighting the last war. What worked in the recent past is not likely to work going forward. Investments that worked well in the first market plunge of the century failed miserably in the second plunge.9. Hedgehog beats the fox. Foxes represent the financial institutions that charge far too much for their artful, complicated advice. The hedgehog, which when threatened simply curls up into an impregnable spiny ball, represents the index fund with its "price-less" concept.10. Stay the course. The secret to investing is there is no secret. When you own the entire stock market through a broad stock index fund with an appropriate allocation to an all bond-market index fund, you have the optimal investment strategy. Discipline is best summed up by staying the course.
I was inquiring with Pen-fed's customer service about an unrelated matter and found out that Pen-fed has cell phone protection for one's phone as long as one pays the phone bill using the pen-fed card.Basically, if the phone is lost or stolen, Pen-fed will replace it for free. Has anyone used this or have any actual paid claims?
Complete Collections by Robert Stanek (save $47)(+ $10 Graphic Novel Free)
Added on : Friday August 31st 2012 09:00:41 AM
Complete First Year Adventures of Lass Ladybug (The Complete First Year Omnibus) http://www.amazon.com/Complete-Adventures-Ladybug-Omnibus-ebook/...
Over 260 pages. 8 complete stories, fully illustrated.
The complete first year adventures of Lass Ladybug, includes 8 full-length illustrated picture books for children of all ages.
Over 240 full-page pictures.
Included in this complete series omnibus are:
1. Have Trouble At School - Lass is having trouble at school. She sometimes feels that she's not as smart as the other bugs until her mom and dad talk to her about how bugs are all different.
2. Break Their Bad Habits - Bad behavior gets the best of the Bugville Critters. They forget their manners, do things they shouldn't, and get into trouble. It is up to a most unlikely bug to show them the right way to behave.
3. Stay After School - Lass has to stay after school but she doesn't want to. She'd rather go outside and play with her friends. She is surprised when she has fun and makes a new best friend.
4. Have A Bad Day - Lass has a bad day. Her friends don't want to play with her, and she feels so sad and lonely. Things get even worse when she encounters a stranger. But her bad day does have a bright spot-you'll see.
5. Visit City Hall - There's a big meeting at City Hall and all the bugs in Bugville are going. While just about all the other bugs are excited, Lass is worried. Her dad is the mayor and she thinks he's going to lose his job.
6. Have A Surprise Party - Lass and her family are having a surprise party and everyone is invited. Well almost everyone, for you see there's a problem with the invitations; and some certain, special bugs may not be coming to the party.
7. Have A Backyard Picnic - Lass and some of her friends are practicing for the B. Havior School Annual Spelling Bee. Cat isn't part of the spelling bee team and isn't invited. Mom Ladybug comes up with a plan to correct Lass's rude behavior and that plan includes a fantastic picnic lunch in the backyard for Lass and all her friends.
8. Compete in the BIG Spelling Bee - Lass and her friends are going to compete in the B. Havior School Annual Spelling Bee. When Lass gets a big case of stage fright, her family and friends work together to help her through it.Complete First Year Adventures of Buster Bee (The Complete First Year Omnibus) http://www.amazon.com/Complete-Adventures-Buster-Omnibus-ebook/d...
Over 225 pages.
7 complete stories, fully illustrated.
Included in this complete series omnibus are:
1. Visit Dad and Mom at Work - Buster just got back from playing bugsball in Bugville Park with his friends. He's practicing to be a hive helper so he can help his mom and dad.
2. Go to School - Buster is headed to school and he's nervous about his first day. At school, he meets his new teacher and feels special when she teaches the class all about being a bee.
3. Have a Sleepover - Sarah comes over for a sleepover. Buster learns the importance of sharing when he and Sarah play bugsball in the backyard. Mom has a special surprise at dinner and it turns into hilarious fun for the two young bugs.
4. Visit Garden Box Farms - Buster prepares for a trip to a nearby farm as part of a school project. Buster and Sarah have great adventures at the farm and also learn the importance of eating the right foods.
5. Go on Vacation - Buster and his family go on vacation to Long Lake. Buster is unsure about going away from home but learns to adjust. He meets a friend named Dag, and the two have fun at the lake.
6. Rush to the Hospital - Buster learns the value of doing what he is told. After all the hard work, Buster's mom has a special surprise for him, but there's an even bigger surprise waiting for Buster at Bugville General Hospital.
7. Play Their First BIG Game - Buster and his friends practice for and then play in the Little Bug League Tournament of Champions. Along the way, Buster learns the importance of family and the importance of being a helpful big little brother. Complete Undersea Counting Adventures of Buster Bee (The Complete Series Omnibus) http://www.amazon.com/Complete-Undersea-Counting-Adventures-eboo...
Join Buster and Lass and their new sea horse friends for special undersea adventures!
Included in this complete series omnibus are:
1. Buster Explores the Sea - Join Buster and Lass on the maiden voyage of the S.S. Bug where youll meet a kaleidoscope of undersea creatures.
2. Busters Undersea Counting Expedition 1 to 10 - A special undersea counting adventure from 1 to 10! It's fun and different. Can your child find and count the new friends as they arrive? You bet!
3. Busters Undersea Counting Expedition 1 to 20 - A special counting adventure from 1 to 20! It's fun and different. Can your child find and count the new friends as they arrive? You bet!
4. Undersea, 2, 3 with Buster and Friends - A fun and different way to learn number skills. Instead of focusing on simple 1-2-3 skills, this book focuses on number sequencing and grouping by 2s and 3s.
5. Undersea, 4, 5 with Buster and Friends - The ability to see groups of items and know their count is an essential skill for your child's development and forms the basis of many more advanced number skills. This book focuses on number sequencing and grouping by 4s and 5s.
6. Undersea, 6, 7 with Buster and Friends - The ability to see groups of items and know their count is an essential skill for your child's development and forms the basis of many more advanced number skills. This book focuses on number sequencing and grouping by 6s and 7s.
These Bugville Learning Adventures, written by best-selling author Robert Stanek, are designed to build number sequencing and grouping skills. Includes parent tips for advancing skills and getting more out of subsequent readings.
The witty narrative, with bountiful critter jargon, boisterous interjections, and plenty of humor, makes for a fun read-aloud, and colorful artwork captures the antics of the critters with playful perspectives and hilarious details.Complete Kingdoms and the Elves of the Reaches (The Complete Series Omnibus) http://www.amazon.com/Complete-Kingdoms-Reaches-Omnibus-ebook/dp...
***Optimized for Kindle and Kindle Fire
4 complete novels, over 1,000 pages.
Enter a world of titans and dragons, men and elves.
Two strangers will become friends. Their world will be transformed. Read their story.
Twelve-year-old Vilmos Tabborrath believes that he is merely the village counselor's son with a dark gift of magic. Soon he discovers that nothing is farther from the truth. His is a power that could change his world and as his destiny is revealed, he flees his village in order to save his family.
Thirteen-year-old Adrina Alder believes that the world is as dead and dark as she feels. She dwells in the past, longing for change and an end to her sadness. Yet when change comes, she never expects what it brings and her life is transformed forever. Now as the two are swept into a dangerous web of magic, treachery, and betrayal, their choices hold the lives of many and their world in the balance.
Fully linked and cross-linked with links to individual books and chapters within books. Extras: Lost chapters and scenes restored; the meeting of Xith and Vilmos as originally written; the story of Ruin Mist completely unaltered to hint at the story's origins in ancient myth and legend.
BOUNUS
A Daughter of Kings: The Graphic Novel (Battle for Ruin Mist, Graphic Novel #1)http://www.amazon.com/Daughter-Kings-Graphic-Battle-ebook/dp/B00...
The complete graphic novel. 403 pages
Enter a world of titans and dragons, men and elves.
Xith, Last of the Watchers, returns after a long search, bringing with him one of the coveted Orbs of Power. When Delinna Alder touches the orb, she will be transformed forever and come to know the lethal price of her prize.
As Delinna and Xith are swept into a dangerous web of magic, treachery, and betrayal, their choices hold the lives of many and their world in the balance.
Fully linked and cross-linked with links to parts within the book. Scene by scene, picture by picture, the story comes together over hundreds of pages.
Rating: Teens, 13 and up only. Some mature subject matter.
Over 260 pages. 8 complete stories, fully illustrated.
The complete first year adventures of Lass Ladybug, includes 8 full-length illustrated picture books for children of all ages.
Over 240 full-page pictures.
Included in this complete series omnibus are:
1. Have Trouble At School - Lass is having trouble at school. She sometimes feels that she's not as smart as the other bugs until her mom and dad talk to her about how bugs are all different.
2. Break Their Bad Habits - Bad behavior gets the best of the Bugville Critters. They forget their manners, do things they shouldn't, and get into trouble. It is up to a most unlikely bug to show them the right way to behave.
3. Stay After School - Lass has to stay after school but she doesn't want to. She'd rather go outside and play with her friends. She is surprised when she has fun and makes a new best friend.
4. Have A Bad Day - Lass has a bad day. Her friends don't want to play with her, and she feels so sad and lonely. Things get even worse when she encounters a stranger. But her bad day does have a bright spot-you'll see.
5. Visit City Hall - There's a big meeting at City Hall and all the bugs in Bugville are going. While just about all the other bugs are excited, Lass is worried. Her dad is the mayor and she thinks he's going to lose his job.
6. Have A Surprise Party - Lass and her family are having a surprise party and everyone is invited. Well almost everyone, for you see there's a problem with the invitations; and some certain, special bugs may not be coming to the party.
7. Have A Backyard Picnic - Lass and some of her friends are practicing for the B. Havior School Annual Spelling Bee. Cat isn't part of the spelling bee team and isn't invited. Mom Ladybug comes up with a plan to correct Lass's rude behavior and that plan includes a fantastic picnic lunch in the backyard for Lass and all her friends.
8. Compete in the BIG Spelling Bee - Lass and her friends are going to compete in the B. Havior School Annual Spelling Bee. When Lass gets a big case of stage fright, her family and friends work together to help her through it.Complete First Year Adventures of Buster Bee (The Complete First Year Omnibus) http://www.amazon.com/Complete-Adventures-Buster-Omnibus-ebook/d...
Over 225 pages.
7 complete stories, fully illustrated.
Included in this complete series omnibus are:
1. Visit Dad and Mom at Work - Buster just got back from playing bugsball in Bugville Park with his friends. He's practicing to be a hive helper so he can help his mom and dad.
2. Go to School - Buster is headed to school and he's nervous about his first day. At school, he meets his new teacher and feels special when she teaches the class all about being a bee.
3. Have a Sleepover - Sarah comes over for a sleepover. Buster learns the importance of sharing when he and Sarah play bugsball in the backyard. Mom has a special surprise at dinner and it turns into hilarious fun for the two young bugs.
4. Visit Garden Box Farms - Buster prepares for a trip to a nearby farm as part of a school project. Buster and Sarah have great adventures at the farm and also learn the importance of eating the right foods.
5. Go on Vacation - Buster and his family go on vacation to Long Lake. Buster is unsure about going away from home but learns to adjust. He meets a friend named Dag, and the two have fun at the lake.
6. Rush to the Hospital - Buster learns the value of doing what he is told. After all the hard work, Buster's mom has a special surprise for him, but there's an even bigger surprise waiting for Buster at Bugville General Hospital.
7. Play Their First BIG Game - Buster and his friends practice for and then play in the Little Bug League Tournament of Champions. Along the way, Buster learns the importance of family and the importance of being a helpful big little brother. Complete Undersea Counting Adventures of Buster Bee (The Complete Series Omnibus) http://www.amazon.com/Complete-Undersea-Counting-Adventures-eboo...
Join Buster and Lass and their new sea horse friends for special undersea adventures!
Included in this complete series omnibus are:
1. Buster Explores the Sea - Join Buster and Lass on the maiden voyage of the S.S. Bug where youll meet a kaleidoscope of undersea creatures.
2. Busters Undersea Counting Expedition 1 to 10 - A special undersea counting adventure from 1 to 10! It's fun and different. Can your child find and count the new friends as they arrive? You bet!
3. Busters Undersea Counting Expedition 1 to 20 - A special counting adventure from 1 to 20! It's fun and different. Can your child find and count the new friends as they arrive? You bet!
4. Undersea, 2, 3 with Buster and Friends - A fun and different way to learn number skills. Instead of focusing on simple 1-2-3 skills, this book focuses on number sequencing and grouping by 2s and 3s.
5. Undersea, 4, 5 with Buster and Friends - The ability to see groups of items and know their count is an essential skill for your child's development and forms the basis of many more advanced number skills. This book focuses on number sequencing and grouping by 4s and 5s.
6. Undersea, 6, 7 with Buster and Friends - The ability to see groups of items and know their count is an essential skill for your child's development and forms the basis of many more advanced number skills. This book focuses on number sequencing and grouping by 6s and 7s.
These Bugville Learning Adventures, written by best-selling author Robert Stanek, are designed to build number sequencing and grouping skills. Includes parent tips for advancing skills and getting more out of subsequent readings.
The witty narrative, with bountiful critter jargon, boisterous interjections, and plenty of humor, makes for a fun read-aloud, and colorful artwork captures the antics of the critters with playful perspectives and hilarious details.Complete Kingdoms and the Elves of the Reaches (The Complete Series Omnibus) http://www.amazon.com/Complete-Kingdoms-Reaches-Omnibus-ebook/dp...
***Optimized for Kindle and Kindle Fire
4 complete novels, over 1,000 pages.
Enter a world of titans and dragons, men and elves.
Two strangers will become friends. Their world will be transformed. Read their story.
Twelve-year-old Vilmos Tabborrath believes that he is merely the village counselor's son with a dark gift of magic. Soon he discovers that nothing is farther from the truth. His is a power that could change his world and as his destiny is revealed, he flees his village in order to save his family.
Thirteen-year-old Adrina Alder believes that the world is as dead and dark as she feels. She dwells in the past, longing for change and an end to her sadness. Yet when change comes, she never expects what it brings and her life is transformed forever. Now as the two are swept into a dangerous web of magic, treachery, and betrayal, their choices hold the lives of many and their world in the balance.
Fully linked and cross-linked with links to individual books and chapters within books. Extras: Lost chapters and scenes restored; the meeting of Xith and Vilmos as originally written; the story of Ruin Mist completely unaltered to hint at the story's origins in ancient myth and legend.
BOUNUS
A Daughter of Kings: The Graphic Novel (Battle for Ruin Mist, Graphic Novel #1)http://www.amazon.com/Daughter-Kings-Graphic-Battle-ebook/dp/B00...
The complete graphic novel. 403 pages
Enter a world of titans and dragons, men and elves.
Xith, Last of the Watchers, returns after a long search, bringing with him one of the coveted Orbs of Power. When Delinna Alder touches the orb, she will be transformed forever and come to know the lethal price of her prize.
As Delinna and Xith are swept into a dangerous web of magic, treachery, and betrayal, their choices hold the lives of many and their world in the balance.
Fully linked and cross-linked with links to parts within the book. Scene by scene, picture by picture, the story comes together over hundreds of pages.
Rating: Teens, 13 and up only. Some mature subject matter.
Office Depot FAR software for the week of 09/02/2012 including Quickbooks Online Simple Start
Added on : Friday August 31st 2012 12:00:04 AM
Office Depot FAR software for the week of 09/02/2012 including QuickBooks Online Simple Start
Two titles advertsised as free after rebate and two as $9.99 after rebate.Will update to my usual standards by Saturday.
QuickBooks Online Simple Start
Item #518-962
FREE After $10 Instant & $90 Mfr. Mail-In Savings
In Store Price $89.99McAfee Internet Security 2012 3 Users
Item #683-266
FREE After $13 Instant & $60 Mfr. Mail-In Savings
In Store Price $59.99Registry Utilities Professional
Item #227-683
$9.99 After $2 Instant, $10 Mfr. Mail-In & $10 Mfr. Current User Upgrade Mail-In Savings
In Store Price $29.99Disk Utilities Professional
Item #119-860
$9.99 After $5 Instant, $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $49.99
--------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------
Office Depot Coupons
Two titles advertsised as free after rebate and two as $9.99 after rebate.Will update to my usual standards by Saturday.
QuickBooks Online Simple Start
Item #518-962
FREE After $10 Instant & $90 Mfr. Mail-In Savings
In Store Price $89.99McAfee Internet Security 2012 3 Users
Item #683-266
FREE After $13 Instant & $60 Mfr. Mail-In Savings
In Store Price $59.99Registry Utilities Professional
Item #227-683
$9.99 After $2 Instant, $10 Mfr. Mail-In & $10 Mfr. Current User Upgrade Mail-In Savings
In Store Price $29.99Disk Utilities Professional
Item #119-860
$9.99 After $5 Instant, $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $49.99
--------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------
Office Depot Coupons
OCZ Vertex 4 - 128GB SATA III 2.5" SSD - $79.99 Shipped @ Newegg
Added on : Wednesday August 29th 2012 09:00:11 AM
No rebates! Save $70. This is drive was on sale for $99 a few weeks ago, a nice price @ .62/GB. Features up to 560 MB/s read and 430 MB/s write times, 120k Max IOPS, Indilinx Everest 2 Controller, .02 latency and a 5 year limited warranty. 4/5 eggs rated with 133 reviews. Free shipping and no tax for most.LINKAs the fourth generation of the legendary Vertex family, the Vertex 4 Series pushes storage performance to the max and redefines the modern day computing experience. Vertex 4 SSDs are innovatively engineered to deliver industry-leading file transfer rates and superior system responsiveness, all while providing a more durable, reliable, and energy efficient storage solution compared to traditional hard drives. Designed to take full advantage of the SATA III interface, the Vertex 4 unleashes ultimate productivity, gaming, and multimedia applications.Excelling in performance, no matter the file typeMirroring real-world performance scenarios over a broad spectrum of consumer desktop and mobile applications, Vertex 4 SSDs are designed to provide a superior user experience and extreme performance over the other current solutions available on the market. With the cutting-edge Indilinx Everest 2 platform, Vertex 4 is optimized for consistent, high speeds with the complete spectrum of file types and sizes including both compressible and incompressible data for balanced performance like no other drive you've experienced.
INDUSTRY'S HIGHEST IOPS PERFORMANCE UP TO 120,000
Incredible performance in workstation and heavy-duty environments with multiple data threads.NO COMPRESSION-RELATED PERFORMANCE LIMITATIONS
Better performance with "real world" data streams of varying "compressibility" as well as fully incompressible data such as videos and multimedia files, encrypted data, archive files such as .ZIP files and software.INDILINX INFUSED EVEREST 2 PLATFORM
Leading edge dual-ARM controller architecture enables faster performance like nothing else you've experienced.FAST BOOT TIMES AND ULTRA-LOW LATENCY
Boot up in as little as 9 seconds, and industry-low latencies of .04 reads and .02 writes enable superior multitasking and flawless performance.NDURANCE 2.0 TECHNOLOGY
Advanced suite of NAND Flash management to increase durability and reliability to expand the NAND's lifespan.
Newegg Coupons
INDUSTRY'S HIGHEST IOPS PERFORMANCE UP TO 120,000
Incredible performance in workstation and heavy-duty environments with multiple data threads.NO COMPRESSION-RELATED PERFORMANCE LIMITATIONS
Better performance with "real world" data streams of varying "compressibility" as well as fully incompressible data such as videos and multimedia files, encrypted data, archive files such as .ZIP files and software.INDILINX INFUSED EVEREST 2 PLATFORM
Leading edge dual-ARM controller architecture enables faster performance like nothing else you've experienced.FAST BOOT TIMES AND ULTRA-LOW LATENCY
Boot up in as little as 9 seconds, and industry-low latencies of .04 reads and .02 writes enable superior multitasking and flawless performance.NDURANCE 2.0 TECHNOLOGY
Advanced suite of NAND Flash management to increase durability and reliability to expand the NAND's lifespan.
Newegg Coupons
UK museums cover a wide range of subject matter with fields as diverse as dolls houses and warfare. London museums offer the greatest choice, with some of the leading UK attractions among their numbers - The British Museum near Covent Garden is home to an unrivalled collection of art and artefacts from around the globe during the days of the British Empire.
South Kensington is home to the architecturally stunning Natural History, Science, andVictoria and Albert Museums, more or less side by side, grandiose in their high Victorian design, and again unparalleled at home or abroad in their presentation and sheer scope.
South of the River Thames UK museums are represented by the Greenwich Maritime Museum, situated in and around the old Queens House in Greenwich Park, offers a complete history of British seafaring, from ancient times to the present day. TheImperial War Museum in Lambeth documents the history of mans inhumanity to man.
Outside of London and the country is awash with UK museums from small private collections to large urban museums like the Manchester Museum with its collections of Egyptology, animal and plant life, and rocks and minerals.
South Kensington is home to the architecturally stunning Natural History, Science, andVictoria and Albert Museums, more or less side by side, grandiose in their high Victorian design, and again unparalleled at home or abroad in their presentation and sheer scope.
South of the River Thames UK museums are represented by the Greenwich Maritime Museum, situated in and around the old Queens House in Greenwich Park, offers a complete history of British seafaring, from ancient times to the present day. TheImperial War Museum in Lambeth documents the history of mans inhumanity to man.
Outside of London and the country is awash with UK museums from small private collections to large urban museums like the Manchester Museum with its collections of Egyptology, animal and plant life, and rocks and minerals.
Would you "turn in" your tax protestor boss who is trying to "recruit" your coworkers/family
Added on : Tuesday August 28th 2012 01:00:49 PM
This is probably the first time I thought of creating an alternate ID for a topic, but given that everyone seems to hate that I guess I'll just take the red since I know I'll get a few quality responses. I have a situation where a boss of mine (not my direct boss, but someone with enough authority over me that its an issue) is a very vocal tax protestor - as in, he talks about it all the time, and will turn even work related conversations toward it. I work part time at a company where everyone is fairly close knit and we often bring our families to company events, go out on the weekends occasionally, etc. Previously the tax protestor evangelism was kept to work, but this person is now bringing into these other events. My first and preferred stance on this is to not do anything because the IRS will get him eventually, but I obviously don't want coworkers that I like and family falling for it. I could just continue to ignore it, as I have for the past year, and just quietly tell the people I care about who he interacts with that hes nuts. However, some other coworkers have been apparently been contacting the IRS and are pressuring me to do so to "turn him in" to create enough complaints to prompt the IRS to actually look at his returns. For the record, I have tried every polite way of stopping this (asked nicely, told him I didn't want to hear it, conversation changers, etc.). Debunking tax protestor mythology never goes far with true believers(TM) so its not an option, especially when its someone who has authority over you. What would you do in this situation...would you turn him into the IRS? Tell his bosses - but how to do so in a way that doesn't seem like its whining?Not that it matters really, but for those interested the particular quackery hes following is sovereign citizen ideology.
qvc.com Vitamix Creations GC 48oz. 12-in-1 Variable Speed Blender $379.90
Added on : Sunday August 26th 2012 10:00:04 AM
Vitamix Creations GC 48oz. 12-in-1 Variable Speed Blender
Retail Value: $501.00QVC Price: $460.00http://www.qvc.com
item K37654Today's Special Value Price:$379.90Good until August 26, 2012 11:59 p.m. ET Free Standard S&H Put serious blending power onto your countertop--and keep it there--with the Vitamix Creations Blending Machine. With a substantial 48-oz capacity, this food-processing powerhouse will have you juicing, chopping, and blending like a pro in no time. Best of all, it fits right under your cabinets, so it can stay right where you need it!The best of both worlds. Boasting an impressive 2.25 HP Galaxy Class motor, this multifunctional blender features a combination of powerful performance and stainless steel hammermill blades. Blend juice from whole foods, cook soup from scratch without a stove, mix up smoothies, make ice cream, and more--all in a matter of minutes. And, because of its compact size, you get QVC's most powerful Vitamix motor in a unit that fits right underneath your 18"H cabinets. How convenient!A cut above the rest. The powerful motor, contoured blades and a smart container shape work together to create a virtual vortex inside the 48-oz jar, which pulls your ingredients down through the blades continuously and back up the sides with variable speed and precision. Break down whole foods, including skin, seeds, pith, leaves, and fiber to release more of their flavor and retain more nutritional value than juice alone. And, the vented lid is spill-proof, so you can add ingredients as you go.Looking to make the most of your blender? We've got you covered. The Galaxy Class Blender comes with a customized cookbook with over 300 recipes that helps you whip up delicious creations one step at a time. You'll also get a dual-sided silicone spatula for easy mixing.If you've always wanted a Vitamix blender, now is the time put one atop your countertop! With its perfectly-sized 48-oz capacity and high-speed results, it's poised to change the way you prep, serve, and share your meals with family and friends. Don't wait--get yours today!From Vitamix.Includes Vitamix Creations Galaxy Class Base, 48-oz BPA-free container, "Vitamix Creations" cookbook with 300-plus recipes, tamper, and a dual-sided silicone spatula
Performs functions of a juicer, smoothie maker, blender, food processor, hand mixer, ice crusher, ice cream maker, meat grinder, chopper, and soup maker
2.25 horsepower motor
Fits under standard 18" cabinets
48-oz blending container with a stainless steel hammermill and cutting wet blades processes whole foods
Container can be safely filled completely to the 48-oz mark
Spill-proof vented lid with removable plug lets you add food while in use
High-efficiency radial cooling fan and thermal protection system helps prevent overload and burnout
Measures 7-1/2"W x 17-1/2"H x 8-3/4"D
Hand wash only
Blue, Cinnamon, and Espresso colors are exclusive to QVC until 11/30/2012
UL listed; 5-year Limited Manufacturer's Warranty
Made in USA
QVC Coupons
Retail Value: $501.00QVC Price: $460.00http://www.qvc.com
item K37654Today's Special Value Price:$379.90Good until August 26, 2012 11:59 p.m. ET Free Standard S&H Put serious blending power onto your countertop--and keep it there--with the Vitamix Creations Blending Machine. With a substantial 48-oz capacity, this food-processing powerhouse will have you juicing, chopping, and blending like a pro in no time. Best of all, it fits right under your cabinets, so it can stay right where you need it!The best of both worlds. Boasting an impressive 2.25 HP Galaxy Class motor, this multifunctional blender features a combination of powerful performance and stainless steel hammermill blades. Blend juice from whole foods, cook soup from scratch without a stove, mix up smoothies, make ice cream, and more--all in a matter of minutes. And, because of its compact size, you get QVC's most powerful Vitamix motor in a unit that fits right underneath your 18"H cabinets. How convenient!A cut above the rest. The powerful motor, contoured blades and a smart container shape work together to create a virtual vortex inside the 48-oz jar, which pulls your ingredients down through the blades continuously and back up the sides with variable speed and precision. Break down whole foods, including skin, seeds, pith, leaves, and fiber to release more of their flavor and retain more nutritional value than juice alone. And, the vented lid is spill-proof, so you can add ingredients as you go.Looking to make the most of your blender? We've got you covered. The Galaxy Class Blender comes with a customized cookbook with over 300 recipes that helps you whip up delicious creations one step at a time. You'll also get a dual-sided silicone spatula for easy mixing.If you've always wanted a Vitamix blender, now is the time put one atop your countertop! With its perfectly-sized 48-oz capacity and high-speed results, it's poised to change the way you prep, serve, and share your meals with family and friends. Don't wait--get yours today!From Vitamix.Includes Vitamix Creations Galaxy Class Base, 48-oz BPA-free container, "Vitamix Creations" cookbook with 300-plus recipes, tamper, and a dual-sided silicone spatula
Performs functions of a juicer, smoothie maker, blender, food processor, hand mixer, ice crusher, ice cream maker, meat grinder, chopper, and soup maker
2.25 horsepower motor
Fits under standard 18" cabinets
48-oz blending container with a stainless steel hammermill and cutting wet blades processes whole foods
Container can be safely filled completely to the 48-oz mark
Spill-proof vented lid with removable plug lets you add food while in use
High-efficiency radial cooling fan and thermal protection system helps prevent overload and burnout
Measures 7-1/2"W x 17-1/2"H x 8-3/4"D
Hand wash only
Blue, Cinnamon, and Espresso colors are exclusive to QVC until 11/30/2012
UL listed; 5-year Limited Manufacturer's Warranty
Made in USA
QVC Coupons
"SIGN UP NOW: Xbox is giving you the chance to test out the exciting new features coming to Xbox LIVE this holiday, including Internet Explorer for Xbox, through the Xbox LIVE Update Public Beta.Due to the overwhelming demand for the Xbox LIVE Update Public Beta, we will be opening up the beta to additional users. The last beta filled up in a matter of hours so be one of the first to sign up for this public Xbox beta program and see what all the excitement is about!Entertainment is more amazing with Xbox AND you!We have announced exciting new features coming to Xbox LIVE this holiday and we are delighted to share some of these features with you in advance of launch, including Internet Explorer for Xbox, improved category search and personalized recommendations.Give us your feedback!
As an Xbox LIVE member, we welcome you to be a part of this international public beta. Information gathered from you and the community will be used to make the final product even better. Since this is not our final release, keep in mind the Beta is a work in progress and we want to hear about what you love and what you would like to see different.Heres how:
If you would like to participate please register at the 2012 Xbox LIVE Update Beta here. You will be required to agree to a Program Agreement for confidentiality reasons and we ask that in exchange for early access to our service release that you fill out a brief 5 minute survey to let us know what you think. The Xbox LIVE Update Public Beta Program enables some of our most passionate users worldwide to help the Xbox team by providing early feedback to make Xbox even better.Sign up now.Thanks for your participation and enjoy!"https://connect.microsoft.com/XboxLIVEUpdate
As an Xbox LIVE member, we welcome you to be a part of this international public beta. Information gathered from you and the community will be used to make the final product even better. Since this is not our final release, keep in mind the Beta is a work in progress and we want to hear about what you love and what you would like to see different.Heres how:
If you would like to participate please register at the 2012 Xbox LIVE Update Beta here. You will be required to agree to a Program Agreement for confidentiality reasons and we ask that in exchange for early access to our service release that you fill out a brief 5 minute survey to let us know what you think. The Xbox LIVE Update Public Beta Program enables some of our most passionate users worldwide to help the Xbox team by providing early feedback to make Xbox even better.Sign up now.Thanks for your participation and enjoy!"https://connect.microsoft.com/XboxLIVEUpdate
Free Highly Rated 4 Star (56 Reviews) Kindle Book Cold Kiss Reg $18
Added on : Wednesday August 22nd 2012 04:00:42 PM
Review
Fast-paced and achingly real, this fresh tale hints at the danger that lurks beneath Wrens spell without veering into the macabre. Wren is not a traditional heroine, but her character is ultimately redeemed by her decision to make things right no matter the cost. A provocative romance.
About the Author
Amy Garvey is a former editor who now works on the other side of the desk as an author. She grew up reading everything she could get her hands on, watching too much TV, and wishing she was Samantha Stephens from Bewitched. (She still wishes that, actually.) She is also the author of Cold Kiss. Amy lives in West Chester, Pennsylvania, with her family.
http://www.amazon.com/Cold-Kiss-ebook/dp/B004U73BUK
Fast-paced and achingly real, this fresh tale hints at the danger that lurks beneath Wrens spell without veering into the macabre. Wren is not a traditional heroine, but her character is ultimately redeemed by her decision to make things right no matter the cost. A provocative romance.
About the Author
Amy Garvey is a former editor who now works on the other side of the desk as an author. She grew up reading everything she could get her hands on, watching too much TV, and wishing she was Samantha Stephens from Bewitched. (She still wishes that, actually.) She is also the author of Cold Kiss. Amy lives in West Chester, Pennsylvania, with her family.
http://www.amazon.com/Cold-Kiss-ebook/dp/B004U73BUK
It's back up.... Hurry!!!sorry, if it is a repostSIGN UP NOW: Xbox is giving the chance to test out the exciting new features coming to Xbox LIVE this holiday, including Internet Explorer for Xbox, through the Xbox LIVE Update Public Beta. Due to the overwhelming demand for the Xbox LIVE Update Public Beta, it will be opening up the beta to additional users. The last beta filled up in a matter of hours so be one of the first to sign up for this public Xbox beta program and see what all the excitement is about!
Link
Link
Auto Employee Schedule software - Free $99.95 Value Today Only August 22 bitsdujour.com
Added on : Wednesday August 22nd 2012 10:00:04 AM
Auto Employee Schedule software - Free Today Only August 22 bitsdujour.com
$99.95 ValueAuto Employee Schedule
Generate Employee Schedules With One ClickIf you run a small business, you know how much of a hassle it can be trying to set employee schedules. Just when you think you've got it all balanced, someone reminds you that they have jury duty, or that they're going to be on vacation for a week. No matter what the reason, you're always left scrambling trying to find coverage at the last minute. Well, today is the day that you say goodbye to all of these issues, because today's discount software promotion, Auto Employee Schedule, is going to do it all for you!Auto Employee Schedule creates employee schedules automatically, requiring only employee availability info and daily hours requirements. With Auto Employee Schedule, you'll always remember requests for holiday and employee time off, and can enjoy the ability to create schedules covering as many or as few days as you require. Just enter scheduling info for each of your employees, including their availability and requested days off, then sit back as Auto Employee Schedule goes to work, producing a perfectly balanced schedule that takes everything into account. From there, produce one of any number of reports that you can provide to your employees so that everyone's on the same page.Not only does Auto Employee Schedule help you to create perfect employee schedules in just a fraction of the time, you'll also be able to avoid simple computational errors that always seem to crop up whenever you're adding up hours. So start saving time, money, and labor today with your own copy of Auto Employee Schedulehttp://www.bitsdujour.com/software/auto-employee-schedule/src=da...
$99.95 ValueAuto Employee Schedule
Generate Employee Schedules With One ClickIf you run a small business, you know how much of a hassle it can be trying to set employee schedules. Just when you think you've got it all balanced, someone reminds you that they have jury duty, or that they're going to be on vacation for a week. No matter what the reason, you're always left scrambling trying to find coverage at the last minute. Well, today is the day that you say goodbye to all of these issues, because today's discount software promotion, Auto Employee Schedule, is going to do it all for you!Auto Employee Schedule creates employee schedules automatically, requiring only employee availability info and daily hours requirements. With Auto Employee Schedule, you'll always remember requests for holiday and employee time off, and can enjoy the ability to create schedules covering as many or as few days as you require. Just enter scheduling info for each of your employees, including their availability and requested days off, then sit back as Auto Employee Schedule goes to work, producing a perfectly balanced schedule that takes everything into account. From there, produce one of any number of reports that you can provide to your employees so that everyone's on the same page.Not only does Auto Employee Schedule help you to create perfect employee schedules in just a fraction of the time, you'll also be able to avoid simple computational errors that always seem to crop up whenever you're adding up hours. So start saving time, money, and labor today with your own copy of Auto Employee Schedulehttp://www.bitsdujour.com/software/auto-employee-schedule/src=da...
It's back up.... Hurry!!!sorry, if it is a repostSIGN UP NOW: Xbox is giving the chance to test out the exciting new features coming to Xbox LIVE this holiday, including Internet Explorer for Xbox, through the Xbox LIVE Update Public Beta. Due to the overwhelming demand for the Xbox LIVE Update Public Beta, it will be opening up the beta to additional users. The last beta filled up in a matter of hours so be one of the first to sign up for this public Xbox beta program and see what all the excitement is about!
Link
Link
My wife has about $30k in student loans. Thanks to a recent home sale, we're in a position to pay them off. If it matters, the loans are still in deferral as she finishes up the last year of her doctorate.I only recently learned that capitalized interest is deductible. She's had these loans for a few year, so there's a lot of capitalized interest. As I understand the IRS rules, we can allocate however much of our payment we want to capitalized interest. Also, I believe there's a $2,500 limit on deducting student loan interest.For the sake of keeping this easy, let's say she ows $30k plus $2k in interest for this year. The principal includes $3k in capitalized interest from years past. My strategy is to pay the loan down to ~$2,500, thus taking the $2k in current interest and $500 in capitalized interest as a deduction on this years taxes, and then paying off the remainder next year, claiming the left over $2,500 of capitalized interest on next years taxes.Do you see anything wrong with this strategy?
When marked ill will is demonstrated concretely by e.g. false police report, a TRO could protect family & property
Added on : Tuesday August 21st 2012 02:00:52 PM
In a hypothetical case in which someone has given a false report to the police, resulting in expenditure of police resource and time, they are committing the crime of filing a false police report and are subject to prosecution. Whether or not the police or the DA want to pursue this a simple letter to the DA asking for an investigation will document your concern in the event there are future antagonistic events. Also the hypothetical victim of such a false report may not be the only one. If this person has a history of unsubstantiated police reports with others, the police WILL investigate and probably recommend prosecution.This hypothetical person should be most concerned about the safety of his family, not making money off the the person's demonstrated ill will. If you have even an inkling that this person poses a danger, whether it be to your family or by way of vandalism of your home or your cars, obtaining a restraining order limiting that person's proximity to your home, cars or to family members is an appropriate step. In most states this is something this person can obtain without needing to hire a lawyer - it's a matter of filing out a form, filing it and obtaining the order on the spot. This order will be temporary in that there will eventually be a hearing set to determine whether the TRO should be made indefinite. Again, this person can appear on your own without an attorney although having one there would be better.The order will offer you the protection of being able to call the police in the event the person attempts contact or communication. Show the police the order and in theory they can make an arrest. It should at least be sufficient to at least have the person ordered to leave or be arrested. It will also be a part of the paper trail that they began creating when they wrote to the DA about the false police report. Often, CPS will be persuaded by being presented with a stamped copy of the TRO that what is going on is not likely a legitimate complaint. Likewise if the police show up.Again, this person needs to forget about MAKING money, but consider taking steps to prevent his family members from harm and to offer up a likely suspect in the event that your cars are your home are vandalized. The potential for vandalism is higher than potential of being assaulted, thus making this a proper discussion in the area of finances.
How to find "hidden assets" from from a family member who passes away?
Added on : Monday August 20th 2012 07:00:49 PM
This is sort of a bizarre situation. I have a family member who is on her deathbed (is in hospice care right now), and should could live a week to a month. Unfortunately, she is being extraordinarily stubborn about revealing her finances. She had no living will (had to force her to make one a few weeks ago), absolutely refuses to create a will, has a small life insurance policy but has no designated beneficiary, etc. In the process of paying her bills, the family stumbled upon a checking account with a not insignificant amount of cashing in it (tens of thousands of dollars). Shes almost acting like if she revealed her assets someone would try to ensure her untimely demise. If it matters, none of this behavior is really justified...her kids have always been angels to her, have never asked her for a dime, and I don't anticipate a probate fight (although since she refuses to make a will, were going to have a long probate process to begin with from my understanding). So with this in mind, I have two questions:
1) Are there any kind of legal/financial arrangements she can make (to satisfy the paranoia) where the family knows nothing about her assets until some third party verifies her death was due to natural causes? Its about the only condition I can think of that would get her to tell someone where her assets are and what they amount to.
2) If she passes away without doing (1), is there any sort of service you can pay for to help find assets she may have left behind that we have no idea about (bank accounts, stocks, insurance policies, etc.)?We are seeking a lawyers advice but its hard to know how much to get him involved at this point because no one has any idea of what her estate size could be. I'd estimate on the low end were talking ~$400,000 and on the high end nearly ~$1.5 million.
1) Are there any kind of legal/financial arrangements she can make (to satisfy the paranoia) where the family knows nothing about her assets until some third party verifies her death was due to natural causes? Its about the only condition I can think of that would get her to tell someone where her assets are and what they amount to.
2) If she passes away without doing (1), is there any sort of service you can pay for to help find assets she may have left behind that we have no idea about (bank accounts, stocks, insurance policies, etc.)?We are seeking a lawyers advice but its hard to know how much to get him involved at this point because no one has any idea of what her estate size could be. I'd estimate on the low end were talking ~$400,000 and on the high end nearly ~$1.5 million.
Placing life insurance money in trust for surviving spouse
Added on : Sunday August 19th 2012 11:00:48 PM
Situation: My father-in-law passed away suddenly and unexpectedly, leaving his wife and three adult children. He has life insurance policies totaling about 1.1M.As this was completely unexpected, his estate is not exactly in order. Namely, there is a lot of debt outstanding, and his existing will is rather generic, stating only that his debts should be settled and that anything left over goes to his wife.After paying off all debts on the estate, around 800K should remain. As his wife is only 52, this is not a huge sum of money to take care of her for 25+ years (she does work but he was the primary earner). Especially if she requires a care facility later in life, the money will be stretched thin.There are already rumblings that one of the children would like to convince his mother to use 120-150K of the money to pay for grad school. My wife (the oldest child) wants to ensure that the money, while her mother is still alive, can only be used to provide for the welfare of her mother. (Her father handled all bills and money matters and her mother has little financial sense.)I plan on talking to a lawyer, but was hoping that FW could help prep me on what to ask. Should we be looking at setting up a trust? Her mother is competent, but there's a relatively high degree of likelihood that she'll either squander the money or be convinced to spend it on something other than her welfare. We would prefer to not be on the hook when she's penniless in ten years and has to move in with us.
My wife and I are expecting our first in mid-December. I'm starting to research ways to limit the financial impact of having the bundle of joy - here is what I've got so far and I hope you're able to add some more! This old thread helped a bunch, but it's over two years old. I figure now's a good time for a refresher!First, some background on us. We both work, I earn slightly above the Social Security maximum, my wife is a medical fellow and earns about half that. I have the opportunity to work overtime and make extra money which comes into play if I approach the Highly Compensated Employee cap. We max our 401(k)/403(b)s, HSA through her work, and Roth IRAs each year. Dependent Care
After three months, we'll be sending our kiddo to daycare near my wife's work which is about $12,000/year. We plan to max out the Dependent Care FSA for $5000 of tax free care. We'll fund the FSA by deductions from my wife's paycheck to maximize the tax reduction (since I don't have to pay FICA taxes on my marginal dollars). I need to make sure I'm not a Highly Compensated Employee ($115,000 in 2012), otherwise that FSA max lowers to $2500 (Is this true? Does it matter if I'm an HCE if we fund from my wife's paycheck?).I understand we can also get $600 back as a tax credit ($12,000 expense - $5000 FSA > $3000 cap, $3000 * 20% since we make more than $43,000 = $600). Education Savings
Since I ran out of room in tax advantaged accounts, I enjoy saving, and Ohio has offered a couple of bonuses to contribute, I've got a decent chunk of change in Ohio's CollegeAdvantage 529 plans. I'm the owner of both accounts, one lists me as the beneficiary, the other lists my wife since we didn't have a child at the time I opened them. Is this a decent plan? Also, we're planning to send the kiddo to public schools (we turned out OK!).Medical Expenses
We're currently using a HSA with an HDHP and paying for everything out of pocket. The per-person max is $2500 and the per-family max is $5000. We're about $700 through my wife's maximum now and then insurance takes over paying everything for her until July. There are a couple of things insurance will pay for (e.g., breast pump rental) that we plan to take advantage of.Kid Stuff
We live in a 1000 sq ft town house, so we don't have a lot of room for kid stuff. We anticipate that most of the stuff will be received from the baby registries (thanks friends/family!). We've been reading through the Baby Bargains book and focusing on the necessities to avoid goofy stuff.My wife plans to breast feed and pump when she goes back to work, so that should save us a decent amount of money for a while. We're thinking disposable diapers for the first few months, then switching to cloth diapers (I'm trying to convince my wife, anyway) which hopefully will save the expense of disposables. What Else?
So what other Fatwallet tricks can be played? Ways to save on expenses? Other tax benefits? Estate planning?
After three months, we'll be sending our kiddo to daycare near my wife's work which is about $12,000/year. We plan to max out the Dependent Care FSA for $5000 of tax free care. We'll fund the FSA by deductions from my wife's paycheck to maximize the tax reduction (since I don't have to pay FICA taxes on my marginal dollars). I need to make sure I'm not a Highly Compensated Employee ($115,000 in 2012), otherwise that FSA max lowers to $2500 (Is this true? Does it matter if I'm an HCE if we fund from my wife's paycheck?).I understand we can also get $600 back as a tax credit ($12,000 expense - $5000 FSA > $3000 cap, $3000 * 20% since we make more than $43,000 = $600). Education Savings
Since I ran out of room in tax advantaged accounts, I enjoy saving, and Ohio has offered a couple of bonuses to contribute, I've got a decent chunk of change in Ohio's CollegeAdvantage 529 plans. I'm the owner of both accounts, one lists me as the beneficiary, the other lists my wife since we didn't have a child at the time I opened them. Is this a decent plan? Also, we're planning to send the kiddo to public schools (we turned out OK!).Medical Expenses
We're currently using a HSA with an HDHP and paying for everything out of pocket. The per-person max is $2500 and the per-family max is $5000. We're about $700 through my wife's maximum now and then insurance takes over paying everything for her until July. There are a couple of things insurance will pay for (e.g., breast pump rental) that we plan to take advantage of.Kid Stuff
We live in a 1000 sq ft town house, so we don't have a lot of room for kid stuff. We anticipate that most of the stuff will be received from the baby registries (thanks friends/family!). We've been reading through the Baby Bargains book and focusing on the necessities to avoid goofy stuff.My wife plans to breast feed and pump when she goes back to work, so that should save us a decent amount of money for a while. We're thinking disposable diapers for the first few months, then switching to cloth diapers (I'm trying to convince my wife, anyway) which hopefully will save the expense of disposables. What Else?
So what other Fatwallet tricks can be played? Ways to save on expenses? Other tax benefits? Estate planning?
dizbee.com: Remedy Comfort Memory Foam Bed Pillow with Removable Cover $13.39 Free Shipping
Added on : Sunday August 19th 2012 09:00:07 AM
dizbee.com: Remedy Comfort Memory Foam Bed Pillow with Removable Cover $13.39 Free ShippingThis amazing memory foam pillow from Remedy is uniquely designed to cradle and support the natural contours of your neck, head, shoulders and back. Relieves back, neck and shoulder pain no matter what your sleeping position may be. Helps to stop snoring, eliminates painful pressure points and helpful aid for insomnia sufferers. The cushion is composed of dense, high quality memory foam to provide you with luxurious comfort and firm support. Experience the most restful nights sleep of your life. Revolutionary space-aged visco-elastic memory foam responds to body heat and pressure conforming to the bodys contours, and then returns to its original shape. Features Include:
Contours to your neck & head for total support & comfort
Experience the most restful nights sleep of your life
Revolutionary space-aged visco-elastic memory foam
Molds itself to head & neck to provide maximum comfort & support
Memory foam contours to your body's weight and heat for perfect support for your head and neck
Reverts back to its original shape in seconds
Includes free washable zippered soft terry cloth pillow cover
Pillow measures 18.5 x 11.5 x 3.5 inchesCondition: Newhttp://www.dizbee.com/
Contours to your neck & head for total support & comfort
Experience the most restful nights sleep of your life
Revolutionary space-aged visco-elastic memory foam
Molds itself to head & neck to provide maximum comfort & support
Memory foam contours to your body's weight and heat for perfect support for your head and neck
Reverts back to its original shape in seconds
Includes free washable zippered soft terry cloth pillow cover
Pillow measures 18.5 x 11.5 x 3.5 inchesCondition: Newhttp://www.dizbee.com/
I am posting this because my mother in law seems to be in over her head (and I, quite honestly, have no experience in these matters) She's 56 years old, speaks very little English and doesn't understand any legal language, nor does she go over any fine print, etc. My father in law passed away a year ago. My MIL's monthly mortgage bill is $650, and her Social Security check is around the same. She also received a letter from Medicaid that they would claim the house in the event of her death. This is what she's thinking of doing:1. Getting a reverse mortgage - someone told her that she would get paid $200/month and that it makes sense, since the house is going to be taken away by medicaid when she dies anyway.. so nothing for her heirs. 2. Moving in with one of her daughters who will take care of her3. Renting the house for $700 to her son So, by doing this she has everything paid for, and will make money for a little savings. Does this sound good?Wouldn't it be better if she just sold the house? Medicaid can't take over property once it is transferred to someone else.. correct?
Trade In ANY Working Cell Phone And Get An Android Phone And 1 Month Service For $55 On Cricket (B&M Only)
Added on : Friday August 17th 2012 08:00:08 PM
This deal is instore only and not all Cricket dealers can offer the free phone...
First you need a cell phone with a working number to port. Carrier does not matter.Call around to your local Cricket dealers and see what phone they are offering for free. In my area it is the ZTE Score which currently sells for $70.Take your old phone into the shop and they port the number. You pay $55 + tax for the first months service and phone and there is no contract.I think that $55 per month is too much for what they offer but this can be a good deal for someone that wants Cricket.Another way to look at this deal is you get a ZTE Score cheaper than it curently is being sold for and after 1 month you have a free GPS, MP3 player, Android app toy and free wifi phone using Groove IP or Vonage Mobile.
First you need a cell phone with a working number to port. Carrier does not matter.Call around to your local Cricket dealers and see what phone they are offering for free. In my area it is the ZTE Score which currently sells for $70.Take your old phone into the shop and they port the number. You pay $55 + tax for the first months service and phone and there is no contract.I think that $55 per month is too much for what they offer but this can be a good deal for someone that wants Cricket.Another way to look at this deal is you get a ZTE Score cheaper than it curently is being sold for and after 1 month you have a free GPS, MP3 player, Android app toy and free wifi phone using Groove IP or Vonage Mobile.
Office Depot FAR software for the week of 08/19/2012
Three titles advertsised as free after rebate, two as $4.99 after rebate and one as $9.99 after rebate.Will update to my usual standards by Saturday.
System Suite 12 Professional
Item #494-797
FREE After $3 Instant, $30 Mfr. Mail-In Savings & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $49.99
Fix-It Utilities 12 Professional
Item #494-266
FREE After $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $39.99
McAfee Total Protection
Item #683-293
FREE After $12 Instant & $50 Mfr. Mail-In Savings
In Store Price $49.99
Print Artist Platinum 24
Item #259-665
$4.99 each After $45 in (2) Mfr. Mai
WebEasy 8 Professional
Item #485-613
$4.99 each After $45 in (2) Mfr. Mail-In Savings
In Store Price $49.99
Photo Explosion Deluxe 4.0
Item #584-388
$9.99 After $3 Instant & $40 in (2) Mfr. Mail-In Savings
In Store Price $49.99
(SAVE $43) --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------
Office Depot Coupons
Three titles advertsised as free after rebate, two as $4.99 after rebate and one as $9.99 after rebate.Will update to my usual standards by Saturday.
System Suite 12 Professional
Item #494-797
FREE After $3 Instant, $30 Mfr. Mail-In Savings & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $49.99
Fix-It Utilities 12 Professional
Item #494-266
FREE After $20 Mfr. Mail-In & $20 Mfr. Current User Upgrade Mail-In Savings
In Store Price $39.99
McAfee Total Protection
Item #683-293
FREE After $12 Instant & $50 Mfr. Mail-In Savings
In Store Price $49.99
Print Artist Platinum 24
Item #259-665
$4.99 each After $45 in (2) Mfr. Mai
WebEasy 8 Professional
Item #485-613
$4.99 each After $45 in (2) Mfr. Mail-In Savings
In Store Price $49.99
Photo Explosion Deluxe 4.0
Item #584-388
$9.99 After $3 Instant & $40 in (2) Mfr. Mail-In Savings
In Store Price $49.99
(SAVE $43) --------------------****ALERT ON McAfee REBATES****McAfee 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".--------------------NOTES:--- "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.
--------------------
Office Depot Coupons
Garmont Women's Amica Trail GTX Hiking Shoes $67.49 FS
Added on : Wednesday August 15th 2012 11:00:03 AM
Garmont Women's Amica Trail GTX Hiking Shoes $67.49 FShttp://outlet.altrec.com/The Garmont Amica Trail GTX Hiking Shoes for women have Gore-Tex and suede that keeps feet dry and happy, no matter the trail length. These Garmont shoes offer a cushiony interior, padded collar and shock-absorbing midsole to soften each step. They are lightweight to minimize fatigue on an all-day trek while the Vibram outsoles feature deep traction to take on gnarly surface conditions.
Witcher 2: Assassins of Kings Enhanced Edition - XBOX 360/PC - $30/$28 - Shipped Free @ Newegg
Added on : Tuesday August 14th 2012 10:00:03 AM
Pick up the Witcher 2: Assassins of Kings Enhanced Edition and save $20 (360) and $12 (PC). Generally favorable 88/100 Metascore. Ships free.Check out trailer HERE.$29.99 XBOX 360 Link
(Also available at FRYS Link)$27.99 PC LinkDefining new standards for realistic, nonlinear gameplay and engrossing character development, this second chapter of the epic Witcher saga brings role-playing realism to new heights. The unique and expansive world comes to life with the new force of a state-of-the-art engine developed by CD Projekt RED. Summon your might and magic to fight in the intuitive combat system, and enjoy a unique blend of tactical elements and dynamic action. Your decisions have drastic consequences in this war-torn world, so tread carefully as you embark for glory in a realistic and dangerous new journey.EXPANSIVE MATURE IMMERSIVE NON-LINEAR STORY
Complex, expansive adventure in which every decision may have grave consequences. An intense, emotionally charged, nonlinear story for mature players, offering over 40 hours of gameplay, 4 different beginnings and 16 different endings. Make choices that really matter. Your decisions impact relations with other characters and entire communities, and may also influence the political situation in the Northern Kingdoms.DYNAMIC TACTICAL COMBAT SYSTEM
Spectacular, dynamic, brutal combat system featuring numerous tactical options, including advanced monster fighting technique. Combine real-time interactive moves like parry, dodge and riposte with combat based on RPG character traits to succeed in battle. New combat elements include ranged weapons (daggers and bombs), traps and bait, the magic Heliotrope Sign as well as the ability to sneak up on and launch non-lethal attacks on your foes.REALISTIC VAST GAME WORLD
Exceptionally realistic, vast game world, teeming with its own life. Explore numerous, highly varied locations, including the mighty La Valette Castle, the bustling dwarven mining town of Vergen, multiple border garrisons and fortresses, ancient forests, and the vibrant trading post and river port of Flotsam.NEW CUTTING-EDGE TECHNOLOGY
CD Projekt RED in-house technology the REDengine, which adjusts the quality of graphics to the computer's efficiency and allows you to enjoy the gameplay even when using the minimal configuration.
Newegg Coupons
(Also available at FRYS Link)$27.99 PC LinkDefining new standards for realistic, nonlinear gameplay and engrossing character development, this second chapter of the epic Witcher saga brings role-playing realism to new heights. The unique and expansive world comes to life with the new force of a state-of-the-art engine developed by CD Projekt RED. Summon your might and magic to fight in the intuitive combat system, and enjoy a unique blend of tactical elements and dynamic action. Your decisions have drastic consequences in this war-torn world, so tread carefully as you embark for glory in a realistic and dangerous new journey.EXPANSIVE MATURE IMMERSIVE NON-LINEAR STORY
Complex, expansive adventure in which every decision may have grave consequences. An intense, emotionally charged, nonlinear story for mature players, offering over 40 hours of gameplay, 4 different beginnings and 16 different endings. Make choices that really matter. Your decisions impact relations with other characters and entire communities, and may also influence the political situation in the Northern Kingdoms.DYNAMIC TACTICAL COMBAT SYSTEM
Spectacular, dynamic, brutal combat system featuring numerous tactical options, including advanced monster fighting technique. Combine real-time interactive moves like parry, dodge and riposte with combat based on RPG character traits to succeed in battle. New combat elements include ranged weapons (daggers and bombs), traps and bait, the magic Heliotrope Sign as well as the ability to sneak up on and launch non-lethal attacks on your foes.REALISTIC VAST GAME WORLD
Exceptionally realistic, vast game world, teeming with its own life. Explore numerous, highly varied locations, including the mighty La Valette Castle, the bustling dwarven mining town of Vergen, multiple border garrisons and fortresses, ancient forests, and the vibrant trading post and river port of Flotsam.NEW CUTTING-EDGE TECHNOLOGY
CD Projekt RED in-house technology the REDengine, which adjusts the quality of graphics to the computer's efficiency and allows you to enjoy the gameplay even when using the minimal configuration.
Newegg Coupons
I've got a PenFed auto loan that I'm considering refinancing at Navy Federal (they're offering $250 bonus for a refi right now). I've been approved and am about to do the paperwork, but it dawned on me that having a new auto loan 6-9 months before applying for a mortgage might not be the best thing, so my question is whether this matters or not? The loan's not very large (~15K) and I should have the money to pay it off in a few months, but I'm trying to save up a downpayment for a house next spring/summer, so I'm just letting it ride right now and thought I would take NFCU up on their $250 offer. Unnecessary worry?EDIT: I'm saving ~1% by doing the refi, so the interest savings aren't THAT big of a deal in any event, I'm mostly doing it for the bonus.
Walgreens Transfer Prescription - Get $25 GC Transfer to Walgreens Pharmacy for helpful convenience
Prescriptions always ship FREE ($25 offer not valid on shipped prescriptions)
Over 7,800 convenient pharmacy locations
Our pharmacists screen for harmful drug interactions
Order refills with our FREE mobile app
https://www.walgreens.com/topic/s/prescription-transfers.jsp?AID...
Sign in or register above to transfer prescriptions to Walgreens
Create a free account today. An online account makes it easy to transfer your prescriptions to Walgreens Pharmacy and start enjoying features like automatic refills, refill reminders and the convenience of ordering refills on-the-go with your mobile device. Plus, no matter which online refill method you use, you always have the option to pick up your prescription or have it shipped to you for FREE.
*This offer is not valid for and cannot be used by any patient who is currently or has been a beneficiary of a federal healthcare program, such as Medicare Part D, Medicare Advantage, Medicare Part B, Medicaid, TRICARE or the Federal Employees Health Benefits Program any time in the 6 months prior to coupon redemption. Offer not available in Alabama, Arkansas, Mississippi, New York, New Jersey, North Dakota, Oregon and Puerto Rico. Other transfer restrictions may apply.
Purchase of a transferred prescription with valid refills is required and coupon must be presented at prescription payment. Offer is not available on shipped prescriptions, redeemable in store only. Offer does not apply to any prescription transferred from a Walgreens, Duane Reade or other pharmacy owned by the Walgreens Family of Companies. Some card restrictions apply. This offer valid for transfers requested and paid for by date shown on coupon. Limit one card per transaction. Not valid with any other offers.
The Walgreens card is redeemable only for retail merchandise at Walgreens Drugstores in the U.S. or Puerto Rico. It may not be used to purchase mandatory prescription co-pays, prescriptions, membership fees, transportation passes, charitable contributions, stamps, phone or gift cards, or dairy, tobacco or liquor products. Not redeemable for cash; no change will be given, and lost or stolen cards will not be replaced. Cardholder is responsible for sales tax. Certain items may be void or restricted where required by law.
thanks 007james op
Walgreens Coupons
Prescriptions always ship FREE ($25 offer not valid on shipped prescriptions)
Over 7,800 convenient pharmacy locations
Our pharmacists screen for harmful drug interactions
Order refills with our FREE mobile app
https://www.walgreens.com/topic/s/prescription-transfers.jsp?AID...
Sign in or register above to transfer prescriptions to Walgreens
Create a free account today. An online account makes it easy to transfer your prescriptions to Walgreens Pharmacy and start enjoying features like automatic refills, refill reminders and the convenience of ordering refills on-the-go with your mobile device. Plus, no matter which online refill method you use, you always have the option to pick up your prescription or have it shipped to you for FREE.
*This offer is not valid for and cannot be used by any patient who is currently or has been a beneficiary of a federal healthcare program, such as Medicare Part D, Medicare Advantage, Medicare Part B, Medicaid, TRICARE or the Federal Employees Health Benefits Program any time in the 6 months prior to coupon redemption. Offer not available in Alabama, Arkansas, Mississippi, New York, New Jersey, North Dakota, Oregon and Puerto Rico. Other transfer restrictions may apply.
Purchase of a transferred prescription with valid refills is required and coupon must be presented at prescription payment. Offer is not available on shipped prescriptions, redeemable in store only. Offer does not apply to any prescription transferred from a Walgreens, Duane Reade or other pharmacy owned by the Walgreens Family of Companies. Some card restrictions apply. This offer valid for transfers requested and paid for by date shown on coupon. Limit one card per transaction. Not valid with any other offers.
The Walgreens card is redeemable only for retail merchandise at Walgreens Drugstores in the U.S. or Puerto Rico. It may not be used to purchase mandatory prescription co-pays, prescriptions, membership fees, transportation passes, charitable contributions, stamps, phone or gift cards, or dairy, tobacco or liquor products. Not redeemable for cash; no change will be given, and lost or stolen cards will not be replaced. Cardholder is responsible for sales tax. Certain items may be void or restricted where required by law.
thanks 007james op
Walgreens Coupons
Christopher Adams 1600 Series Microfiber Luxury Twin Size Kid's Sheet Set in 12 Playful Prints $13.99 + $4.99 shipping
Added on : Sunday August 12th 2012 09:00:04 PM
Christopher Adams 1600 Series Microfiber Luxury Twin Size Kid's Sheet Set in 12 Playful Prints usually was $59.95, now just $13.99 + $4.99 shipping @Tanga.com.detail:
The crisp, clean feeling of fresh bed linens is the perfect prescription for sweet dreams. Exceptionally breathable, Christopher Adams sheets feature a smooth feel and lustrous finish for a cool, comfortable nights sleep. Theyll provide lasting vibrancy no matter how often theyre washed, and are made of high strength Egyptian comfort microfiber that will stay soft and wrinkle free for years to come.These playfully themed kids sheet sets range from beautiful hearts and butterflies to super cool dinosaurs and rock n roll patterns. So whether your child envisions themselves as a pretty princess, a gritty army general, or anything in between, youre sure to find a set thats perfect just for them.
Tanga Coupons
The crisp, clean feeling of fresh bed linens is the perfect prescription for sweet dreams. Exceptionally breathable, Christopher Adams sheets feature a smooth feel and lustrous finish for a cool, comfortable nights sleep. Theyll provide lasting vibrancy no matter how often theyre washed, and are made of high strength Egyptian comfort microfiber that will stay soft and wrinkle free for years to come.These playfully themed kids sheet sets range from beautiful hearts and butterflies to super cool dinosaurs and rock n roll patterns. So whether your child envisions themselves as a pretty princess, a gritty army general, or anything in between, youre sure to find a set thats perfect just for them.
Tanga Coupons
Umbrella Policy & Auto & Home HELP WITH LIABILITY LIMITS
Added on : Friday August 10th 2012 08:00:53 PM
Thank you in advance for responding with your advice.I am unsure of how much auto, home, and umbrella insurance I should carry. I am a doctor, my wife is an attorney and we have about $6,000,000 in assets. We both carry malpractice insurance and every other policy that is needed to protect ourselves at work. We have two kids in college who are fully dependent on us, one kid is on his own auto policy and has a renters policy for his college apartment (it is a requirement - I know he is technically covers under our homeowner policy). We have four vehicles if that matters. We both carry pretty hefty life insurance policies $1M +. What I am confused about is how much liability coverage is necessary/recommended to protect ourselves as we are getting near the age of retirement. What are your recommendations?
Free Highly Rated 4 Star (148 Reviews) Kindle Book Hammerhead
Added on : Friday August 10th 2012 11:00:33 AM
Jeffrey Holt tears apart decommissioned ships that have been crash-landed in the Nevada desert. Hes a shipbreaker, no one of consequencejust as he wants it. However, decades after his role in the world mattered, someone is trying to kill him. Searching for a reason, he tears into the bridge of a derelict Kappa-Class freighter and finds corpses. As he stands on the bridge considering how to stay alive, a hand grips his leghttp://www.amazon.com/Hammerhead-ebook/dp/B005IR0N70
Sorel Women's Lake Shoes $64.99 FShttp://outlet.altrec.com/Description
Caught somewhere between the classic oxford and the summer sandal are the Women's Sorel Lake Shoes. Perfect for summertime soirees, beachside vacations, visits to the French Riviera or for everyday use, these Sorel originals are built with unlined leather uppers, a leather footbed and sole, and then finished with rubber pod outsoles for sheer comfort and simple styling no matter what you choose to wear or wherever you care to roam. Plus, with an array of color options, sophisticated banding over the top of the foot and lace-less entry, the Sorel Lake Shoes for women are one sweet style you won't want to miss.
Caught somewhere between the classic oxford and the summer sandal are the Women's Sorel Lake Shoes. Perfect for summertime soirees, beachside vacations, visits to the French Riviera or for everyday use, these Sorel originals are built with unlined leather uppers, a leather footbed and sole, and then finished with rubber pod outsoles for sheer comfort and simple styling no matter what you choose to wear or wherever you care to roam. Plus, with an array of color options, sophisticated banding over the top of the foot and lace-less entry, the Sorel Lake Shoes for women are one sweet style you won't want to miss.